Qualifying the borrower


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

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

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

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

What can I include in cashflow from Schedule B: Interest and Dividends?

Great question, since Schedule B is a mixed bag. As always, check your own guidelines. Here is my short list: Add Interest from banks, credit unions and S&LsWhen interest rates come back out of the

Posted Jan 15 2010 by Linda Keith

Consumer, Mortgage and Business Lenders: Here is your Intro to Tax Return Analysis

I just updated my SlideShare Presentation. If you sign-up for SlideShare, you can even nominate it for the SlideShare Zietgeist 2009 Community Awards. Green Legos, Six Ns and a Map to Tax Return Analysis Take

Posted Jan 12 2010 by Linda Keith

5 Steps to help 'Main Street' businesses get back to work

Two of the five are for community banks...President Obama recently 'invited' the 'Big Bankers' to the White House to admonish them...Start lending to small businesses! Sam Thacker in his blog at Allbusiness.com has a better

Posted Jan 08 2010 by Linda Keith

5 lists your borrower should bring you for new years...

Long before I focused on working with lenders to understand business and make good loan decisions, I focused on working with the businesses themselves. I still do.I am one of the Business Credit bloggers on

Posted Jan 06 2010 by Linda Keith

Five questions to ask in 2010 to make the loan!

I predict the 2009 tax returns will be filed earlier rather than later. Why? The congress has liberalized the rules for carrying back Net Operating Losses. If the business paid taxes in any of the

Posted Jan 05 2010 by Linda Keith

How costs behave: Are you (and your borrowers) smarter than a 1st grader?

In the mood to be inspired? Read on. Not in the mood, scroll to the bottom of the post for some 'cost' definitions and why they are important.If you have not yet presented a Junior

Posted Dec 29 2009 by Linda Keith