Commercial Lending Review articles from September 2000

Commercial Lending Review archives from September 2000

Financing the American Dream.(Brief Article)
September 22, 2000... It feels good to finance the American Dream: A restaurant. A landscaping service. A management consultancy. An Internet start-up. Small businesses are not only a moneymaker for financial institutions but also an engine of future prosperity for...

Banks Must Manage Small-Business Deposits to Foster Long-Term Growth.
September 22, 2000... Small businesses have been clearly identified as one of the most profitable and growing customer segments for retail banks. As a result, many banks have been putting a much greater emphasis on managing this often-misunderstood customer group,...

Organizing for Small-Business Success.
September 22, 2000... Take a look at the growth numbers, and the opportunity for banks in the small-business marketplace is clear. Less clear--particularly for small and midsized banks--is how to capture that opportunity. Banks that find a winning formula will find...

Small-Business Lending and Fair Lending Scrutiny.
September 22, 2000... The scope of fair lending scrutiny has been broadening. Increasingly, regulators are expanding the application of fair lending laws to all forms of credit, including small-business credit. Lenders are now expected to monitor not only their Home...

Banks and E-Commerce: Transforming Old Economy Practices into New Economy Businesses.
September 22, 2000... In almost any discussion of the putative old economy vs. new economy, banks are almost always consigned to the old economy. After all, what industry is more steeped in tradition, more anchored in bricks and mortar, less known for speed and...

To Commit or Not to Commit: That Is the Answer.(asset-based lending)
September 22, 2000... Asset-based lending, which is basically formula lending against the accounts receivable and inventory of undercapitalized companies whose assets and cash flow become the subject of strict scrutiny by the lender, is characterized by a kind of...

Proper Loan Structure: The Key to Creating Bank Value.
September 22, 2000... Bankers today are under significant pressure to create institutional value and maximize shareholder wealth in their institutions. When coupled with the dramatic technological change, deregulation, increased competition, and industry...

Should You Rescue a Borrower Who Is Swimming in a Sea of Debt?
September 22, 2000... Taking risk to achieve rewards is an underlying principle of our capital markets. Nearly everyone in business has seen or heard of a real-life Horatio Alger story: rags to riches achieved by perseverance. The notion of transforming a dream into...

The Changing Face of Asset-based Lending.
September 22, 2000... The term asset-based lender conjures up an image of a banker in short sleeves with a too-short tie over a too-big belly. So offering a financially sophisticated client an asset-based loan would be the end of any new business opportunity. Or so...

Using Purchase Order Financing to Complement Senior Lending.
September 22, 2000... A valued customer has an outstanding sales opportunity of unprecedented size, represented by a purchase order from a known or reputable buyer. To purchase the substantial amount of finished product inventory needed to complete the sale, your...

Revenue Recognition in the Dot-Com Era.
September 22, 2000... The Securities and Exchange Commission's (SEC) Staff Accounting Bulletin (SAB) No. 101 addresses Revenue Recognition in Financial Statements. It provides the staff's view in applying generally accepted accounting principles (GAAP) to selected...

FASB Studies the Electronic Reporting of Business Information.(Financial Accounting Standards Board)
September 22, 2000... On January 31, 2000, the Financial Accounting Standards Board (FASB) published the first part of a three-part business reporting research project to assess the kinds of business information beyond financial statements that companies are...