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Finance

The Death of Small Business

By |2018-09-10T11:48:00+00:00September 10th, 2018|Finance, News|

The Death of Small Business Something I think about quite a bit that gives me frequent indigestion: ‘What is happening to small business across the United States?” The U.S. small business startup rate has been declining for decades. The Kauffman Foundation, referring to its own research and drawing on U.S. Registration (State) information, concluded that

To Extend Credit or Not?

By |2018-09-04T08:54:04+00:00August 20th, 2018|Finance, News|

To Extend Credit or Not? Financial industries such as Factoring, Asset Based Lending, and Purchase Order Financing make up a riskier segment of the Commercial Finance business. Companies in this business are always faced with difficult credit decisions. However, lenders are in the business of making these kinds of decisions. What about your average business

Entrepreneurship?

By |2018-09-04T08:53:24+00:00August 7th, 2018|Finance, News|

Entrepreneurship? Essentially characterized, a business visionary is a man who recognizes a need and begins a business to fill that void. Yet, this generalized definition gives little understanding into the particular character qualities and traits that influence a man to flourish as a business person. Before extinguishing your everyday employment to pursue the thought that

Small Business Lending Code of Ethics

By |2018-09-04T08:55:26+00:00July 23rd, 2018|Finance, News|

Small Business Lending Code of Ethics Sometimes lessons learned are lessons forgotten.  While the subprime crisis seems long ago, even today it still illuminates just how dangerous it can be when loan brokers run wild. If we're not careful, we may have to learn that lesson all over again. Interestingly enough, the often-controversial Dodd-Frank rules

Does FinTech fit into Banking?

By |2018-06-19T12:43:57+00:00May 21st, 2018|Finance, News|

Many FinTech companies have the goal of selling their product directly to consumers. Most of them are financed by Wall Street related backers (hedge funds, private equity firms, venture capital firms, etc…). In fact, it is common knowledge that these types of investors will never invest heavily in anything that “does not have a direct

Guide to Small Business Loans

By |2018-09-04T08:59:19+00:00April 5th, 2018|Finance, News|

Guide to Small Business Loans Debt can often be a necessary evil. Before taking on any debt, business owners should ask themselves some important questions that include such things as: How much money can you borrow? What’s the effective interest rate I am going to pay? What are my payments going to be and how

True Cost of Capital: Factoring vs Venture Capital

By |2018-02-14T09:45:32+00:00November 30th, 2017|Finance, News|

True Cost of Capital: Factoring vs Venture Capital Businesses often have a misguided view on the pros and cons between factoring receivables and venture capital (or private equity). Many entrepreneurs today truly misunderstand how to compare the cost of equity vs debt.  Indeed, this can be a daunting task, and often argued over,

5 Innovative Ways to Finance Your Business

By |2018-02-14T11:53:32+00:00October 30th, 2017|Finance|

In the first quarter of 2017, five of the US’s largest banks actually deposited more money in the Fed ($12.9 billion) than they lent ($9.1 billion). Here is a link to the statistic: https://www.forbes.com/sites/greatspeculations/2017/06/13/loan-to-deposit-ratios-for-largest-u-s-banks-show-signs-of-recovery-in-q1/#18d8772412f4 Phil Gramm, former Chairman of the Senate Banking Committee, wrote an article on this back in 2015. The article still holds

The Golden Rule of Business: Don’t Run Out of Cash

By |2018-09-04T08:57:58+00:00October 16th, 2017|Finance|

“Cash” is the energy that flows through a business giving it life. It’s like the electrical current that flows through a laptop or smart phone. Without the flow of electrical energy, the unit is non-functional. In a business, if cash does not flow in and flow out, the business is non-functional. When your customers pay