Linda's Blog: Good Business. Good Loans.


Thoughts and resources on understanding business, improving loan quality, credit analysis, relationship banking, tackling financial literacy and navigating the economic/banking crisis.
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Temperature or Tides? Wants or Needs?

Your business borrowers are making big decisions in very 'confused seas'. Is it time to:Rehire workers?Add to production?Beef up inventory?Market more aggressively?Borrow money?Last weekend I planned to take the kayak out for a trial

Posted Mar 10 2010 by Linda Keith

Looking for strong business borrowers? Try pegging.

Aldonna Ambler is a growth strategist and a friend of mine. She has a background in venture capital and in starting and growing multiple businesses. She works with community banks among other client niches. She

Posted Mar 03 2010 by Linda Keith

Lucky 13: Additions to cashflow you may be missing

This would be a bad time to miss an add to taxable income. Your borrower's need all the help they can get to qualify for your loan.Some in this list are personal and some are

Posted Feb 23 2010 by Linda Keith

LLCs Primer: Forms, Risk Exposure and Cashflow

Limited Liability Companies...the darling of small business. Along with S Corporations, probably one of the most used entity-types.What is in a name?Be cautious...a Limited Liability Company (LLC) is not the same as a Limited Partnership.

Posted Feb 16 2010 by Linda Keith

8 Strategies for Business Growth...Info for lenders and borrowers

Here is a business resource for you. Use it:to understand business growth strategies better so you canhave more helpful conversations with business borrowers better assess their growth strategies...will their plan work?strengthen your relationshipas a good

Posted Feb 09 2010 by Linda Keith

The Thud Factor - What will it take to keep the regulators 'happy'

Sam Thacker works with small businesses to secure all types of financing. He is often referred by bankers who either can't do the deal themselves or realize the borrower needs help putting together the loan

Posted Feb 02 2010 by Linda Keith

Tax Update for 2009: The long and short of it...

Now it's personal! This is just for you and really has nothing to do with business and lending. Ready to prepare your 2009 tax returns (or gather your info for your preparer)?Tax Guide from Journal

Posted Jan 29 2010 by Linda Keith

Need facts to make the case for small business lending? Why, Who and When

In case you are talking with an elected official or community leader who needs facts to support the anecdotal evidence, here are some facts gleaned from a recent article, For Want of a Loan, in

Posted Jan 26 2010 by Linda Keith

Business lenders build business knowledge to assess, impress and help borrowers

While business lenders are well advised to be careful giving advice, you also play an important role in the brainstorming process when talking with your borrowers. Developing your business know-how helps when meeting with:a prospective

Posted Jan 20 2010 by Linda Keith

How do you create satisfied small business customers? How does that impact bank profits?

SHORT ANSWER in case you cannot read the entire post: Meet with you small business borrowers for a new needs assessment Visit at least 3.3 times each year Understand their business Demonstrate that you understand

Posted Jan 19 2010 by Linda Keith