The internal risk ladder: It is Not What You Think
Say, you are talking to a bank for startup financing. Everything works perfectly, i.e., calls were happening, and e-mails were […]
The internal risk ladder: It is Not What You Think Read Post »
Credit readiness vs fundraising readiness
It was Friday Evening. I just checked messages in the Threads app. The weather was rainy, so I am eating
Credit readiness vs fundraising readiness Read Post »
Financial statement stability optics: How Banks Read Your Financials?
If I said this to you, that your loan application rejected instead of having healthy balance sheet. Will you agree
Financial statement stability optics: How Banks Read Your Financials? Read Post »
Industry credit cycles: The Lending Window Most Founders Miss
Today, I will share a different story. Actually, this is my recent experience & I thought that I should write
Industry credit cycles: The Lending Window Most Founders Miss Read Post »
Interest rates vs risk appetite: The Credit Market Secret Most Founders Miss
Imagine this = You run a small manufacturing company in Ohio. You just enter a bar & take your favorite
Interest rates vs risk appetite: The Credit Market Secret Most Founders Miss Read Post »
Bank relationship capital: How Founders Build Banker Trust?
Say, you & other founder apply for a business loan. Both of you have similar profile like: Similar revenue Similar
Bank relationship capital: How Founders Build Banker Trust? Read Post »
Loan approval momentum effect: What Most Founders Miss?
Hey founders! Did you experience this? Your first loan took two months, but the second one took 10 days. I
Loan approval momentum effect: What Most Founders Miss? Read Post »
Founder distribution problem: The Hidden Risk Behind Owner Pay
Say, you are a profitable S-Corp owner who takes a $220,000 year-end distribution. Two months later, you apply for a
Founder distribution problem: The Hidden Risk Behind Owner Pay Read Post »
Capital preservation bias: What Founders Get Wrong?
Imagine this situation= You had 38% year-over-year revenue growth. Then, better customer retention, venture interest & media coverage. But the
Capital preservation bias: What Founders Get Wrong? Read Post »
Bank portfolio math: Why Perfect Borrowers Hear No?
Say, you are a founder who has Credit score 780. Positive cash flow. Solid collateral. But the bank doesn’t approve
Bank portfolio math: Why Perfect Borrowers Hear No? Read Post »
Cash conversion cycle lenders model: Denied Again? Read this
Hello founders! Have you ever asked yourself the following questions: If your business shows a profit on paper If your
Cash conversion cycle lenders model: Denied Again? Read this Read Post »
Risk memo after loan denial: What lenders document about you?
Imagine that you receive a loan denial. Then, what will you do? You close that e-mail & assume that your
Risk memo after loan denial: What lenders document about you? Read Post »