Articles for Business and Banking...

These articles are available to read here, print out or to share with others through your own newsletter or in-house ezine.

How Businesses can Round Up their Cash

Business owners and managers: Read this before you take on new equity partners, request a restructure or new financing from your lender, or pass up opportunities because of cash worries.

Lenders: Pass this on to your business borrowers as a resource for them.

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Seven Steps to Improve Loan Quality Now

Check (or double-check) that you are working on each of these seven steps as you keep your bank or credit union strong, or recover your position as the economy recovers.

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The Top Ten Warning Signs in a Business Tax Return

Lenders need to spot them. Business owners or managers need to know what will look bad to the lender and be ready with an explanation.

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The 12 Cs of Credit: Lending in (and out of) a Recession

You may have heard of the 6 Cs of Credit. I have added 6 more. Learn where to find clues in the tax return, financial statements and elsewhere as to the original six. Then find out how the remaining six impact your lending decisions.

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Why Banks (Still) Aren't Lending (More)?

It is July 1, 2009 and today another friend ranted: "Apparently, if you have good credit, pay your bills on time, have a business in the black, haven't declared bankruptcy, and haven't been foreclosed on... you aren't a good credit risk. What happened to the stimulus money Obama is giving out like candy? WHERE DID IT GO? It's definitely not going to small business owners who want to hire and help stimulate the economy! "

Here are some answers...and the remaining questions.

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Tax Return Analysis...the basics

Whether you are new to tax return analysis, or are finding the stronger emphasis on cashflow a reason to revisit it, this article will walk you through the basics.

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Digging for Dollars: Qualifying your Self-Employed Mortgage Borrower

Just like you, secondary market mortgage underwriters learned on the job. Some of them may not be totally familiar with all of their own guidelines.

Even if you are not using the FannieMae rules, it is likely the lender you are selling your loan to is using a variation.

Understand how to dig for dollars using the FannieMae guidelines.

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Tax, Financial and Accounting Glossary for Lenders

Let's face it, finance is a foreign language. This is a practical, minimum jargon resource for understanding the lingo.

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Permission to reprint: You are welcome to reprint these articles under these conditions:

  1. Contact us to let us know where you will reprint and send us a copy if print or link if electronic.
  2. Include the final bio paragraph as it is written and, if published in an electronic format, with the live link to our website.
  3. If you must edit for space, send us the edited version for approval or give us a word count and we'll revise it for you. With technical information such as this, removing a sentence can change the meaning. We'll make sure it is still correct for you.

Thanks! PS: If you'd like Linda to write an article for your publication just drop us a line.

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