Beyond Capital Blog

DECEMBER 10, 2021

We examine interest, finance fees and business attributes that affect the cost of borrowing. The post So, How Much Is a Small Business Loan? Rates, Fees and Other Costs) appeared first on Fast Capital 360. Learn all about the factors impacting financing costs.

Small Businesses 52

Small Businesses 52

Abrigo

FEBRUARY 6, 2024

Develop an MBL program while mitigating risk Credit unions looking for alternate paths to growth in today's rising rate environment may be primed to leverage member business lending. Takeaway 3 The specific policy areas outlined below should be carefully considered by credit unions engaged in member business lending.

Credit Unions 89

Credit Unions Credit Risk Small Businesses 89

Abrigo

DECEMBER 31, 2019

Key Takeaways Risk management practices were on the minds of bankers in 2019 Some of the most popular blog posts of 2019 were about stress testing and CECL. Managing risk is at the very core of the business of banking, so it’s not a huge surprise that readers of Abrigo’s blog spent a lot of time in 2019 reading about the topic.

CECL 60

CECL Credit Unions Credit Risk Default 60

Lendio

MAY 3, 2024

A business credit score works similarly, except instead of evaluating your risk as an individual, financial institutions evaluate your business’s viability. Like personal credit , business credit takes time to build. What is a business credit score? Business credit score benefits.

Credit Scoring 97

Credit Scoring Credit and Collections Bankruptcy Transactions 97

Abrigo

OCTOBER 10, 2023

How industry analysis can improve your credit risk management Understanding your customers' businesses leads to better loan pricing, structure, and risk management. WATCH WEBINARS Takeaway 1 All businesses perform industry analysis, but financial institutions in particular must know their customers' competitive landscape.

CECL 78

CECL Credit Risk Credit Unions Small Businesses 78

Abrigo

FEBRUARY 14, 2024

Find commercial real estate risks in the loan portfolio Sound risk management practices in commercial real estate lending help lenders manage CRE credit losses and protect the portfolio's profitability. LISTEN Takeaway 1 Effective CRE risk management involves adapting to changing market fundamentals to avoid excessive loan losses.

CECL 78

CECL Credit Risk Credit Unions 78

Lendio

DECEMBER 7, 2023

When you’re looking at business loans for the first time, you might be overwhelmed by all of the information you need to understand to feel confident in your decision. One of the most important components of any type of financing is the loan term. This is the length of time and frequency you’re required to repay the loan.

Small Businesses 98

Small Businesses 98

Lendio

NOVEMBER 1, 2023

You might consider an SBA microloan if you’re trying to start a business or expand your current small business. These loans are available for $50,000 or less and come with low interest rates and flexible repayment terms. These loans can be used for working capital needs and to purchase equipment and inventory.

Small Businesses 97

Small Businesses 97

Lendio

DECEMBER 13, 2023

When your business needs a quick cash infusion to deal with unexpected expenses, seize growth opportunities, or meet urgent operational costs, fast business loans come to the rescue. This guide will walk you through the various options for fast business loans, helping you make an informed decision that suits your business needs.

Credit Scoring 98

Credit Scoring Credit and Collections Small Businesses 98

Abrigo

JANUARY 24, 2024

Takeaway 2 Successful acquisition of failed banks requires rapid comprehension of targeted loan portfolio data, core deposit value, potential deposit runoff, and more. Successful acquisition of failed banks requires organization and rapid comprehension of vast amounts of data, particularly concerning the targeted loan portfolio.

CECL 78

CECL Credit Risk 78

Lendio

NOVEMBER 13, 2023

If you’re looking for lower real estate costs and longer loan terms, an SBA 504 loan may be a good option. However, these loans are a bit different from other SBA loans. Before applying, it’s a good idea to learn how 504 loans work and the pros and cons of taking one out. What is a SBA 504 Loan?

Credit Unions 97

Credit Unions Credit Scoring Default Small Businesses 97

Abrigo

SEPTEMBER 7, 2023

WATCH NOW Takeaway 1 Financial institutions create a competitive advantage when they are informed about critical factors affecting loan growth. Takeaway 2 A key component of business intelligence is identifying which data generates the most effective lender dashboards. How efficient are we by loan type and team member?

Dashboards 78

Dashboards Credit Unions Credit Risk CECL 78

Lendio

NOVEMBER 10, 2023

Because small businesses are so critical to the country’s success, the federal government launched the Small Business Administration (SBA) to help foster American small businesses. What is an SBA 7(a) loan? An SBA 7(a) loan is a form of financing that is partially guaranteed by the SBA.

Brokerages 98

Brokerages Small Businesses Credit Scoring Transactions 98

Lendio

MAY 28, 2024

More than 30% of American small businesses are not approved for at least some of the funding they apply for. If you’re concerned that you might fall into that category, read on—these are the documents you’ll need to apply for a small business loan or other financing.

Small Businesses 52

Small Businesses Credit Scoring Transactions 52

Lendio

MAY 30, 2024

Lenders use the debt-service coverage ratio (DSCR) to determine whether your business qualifies for a loan and under what terms. This is just one metric that financial teams consider (along with factors like your credit score and tax returns), but it is vital because it helps you get a fair rate and approval for your request.

Credit and Collections 52

Credit and Collections Credit Scoring Default 52

Abrigo

MAY 2, 2024

Boost your small business lending efforts from the bottom up Small businesses play a crucial role in our economy, and one of the critical factors in their success is access to funding. You might also like this guide for smarter, faster small business lending.

Small Businesses 89

Small Businesses Credit Risk Credit Unions CECL 89

Abrigo

DECEMBER 18, 2023

WATCH Takeaway 1 Banks and credit unions are critical sources of capital for businesses in their communities, so how institutions assess CRE credits matters. Takeaway 3 Loan-level stress testing can help assess repricing risk, while capital stress testing helps clarify the impact of CRE loan losses on capital.

Credit Unions 89

Credit Unions Credit Risk Insurance Companies Small Businesses 89

Abrigo

APRIL 12, 2023

Building a strong credit review process A critical element of monitoring is an organization’s credit risk rating system. This blog will examine credit review in more detail. You might also like this whitepaper: "2022 Loan Review Benchmark Survey Results." Roles and responsibilities Risk rating systems: Who picks the numbers?

Credit Risk 78

Credit Risk Credit and Collections CECL 78

Lendio

NOVEMBER 10, 2023

Have you always dreamed of owning your own business, but don’t want to start from scratch? One option is to buy an existing business. This is where a Small Business Administration (SBA) loan comes in handy. In this blog post, we will discuss how to use an SBA loan to buy an existing business.

Credit Scoring 96

Credit Scoring Credit Unions Small Businesses 96

Lendio

NOVEMBER 14, 2023

If you’re a business owner, you may have considered applying for a revolving line of credit. However, before committing to a revolving line of credit, it’s important to do the math and understand the terms of the loan. Interest rates for revolving lines can range widely. Revolving line of credit calculator.

Credit Scoring 98

Credit Scoring Small Businesses 98

Lendio

OCTOBER 17, 2023

We understand that running a business can be tough and that additional capital can make a huge difference. It’s completely understandable that obtaining a business loan may seem overwhelming, but we’re here to help make the process easier for you. Let’s learn how to get a business loan. Get an Offer 3.

Credit Scoring 98

Credit Scoring Credit Unions Small Businesses Transactions 98

Lendio

MARCH 18, 2024

The number of small businesses has been increasing in the United States over the past several years. Last year, the White House announced that more than 10 million small businesses were created in 2021 and 2022. Along with its growth in the total number of businesses, the U.S. The number of women-owned businesses in the U.S.

Small Businesses 105

Small Businesses 105

Lendio

NOVEMBER 1, 2023

There are many different kinds of small business loans, making it essential to do your research before beginning any application process. Getting a business loan sounds simple — until you realize how many types of loans exist and how many lenders offer those loans,” says business.org.

Small Businesses 98

Small Businesses Credit Scoring Credit and Collections Default 98

Lendio

MARCH 22, 2024

For decades now, it’s been a game of catch-up for women in business—and they’ve gained a lot of ground. From 2019 to 2023, the number of new women-owned businesses grew at nearly double the rate of businesses owned by men. How many women-owned businesses are there in the U.S.? But the struggle is far from over.

Small Businesses 52

Small Businesses 52

Abrigo

OCTOBER 21, 2020

The overall CMBS delinquency rate in September declined from a near peak rate earlier this year. This post by Hayley Collier , Trepp's Marketing Communication Specialist, was originally published on Trepp's blog and can be found here. CMBS delinquency rates declined in September. billion, or about 800 CMBS loans.

Credit Risk 125

Credit Risk CECL Default 125

Abrigo

AUGUST 30, 2022

Expanding the commercial loan portfolio in today's market With the right strategies, banks and credit unions can expand their commercial loan portfolios successfully. Takeaway 1 Commercial loans have remained strong through the pandemic despite high inflation rates and unstable conditions. Market conditions.

Credit Unions 78

Credit Unions Credit Risk Credit and Collections Small Businesses 78

The Red Spectrum

MAY 22, 2023

Keeping up with economic developments is essential for making wise judgments in the dynamic world of business. Interest rates are one such element that has a substantial effect on businesses. The Fundamentals of Interest Rates To grasp the implications of rising interest rates, it’s vital to comprehend their fundamentals.

Small Businesses 91

Small Businesses 91

The Red Spectrum

MAY 17, 2023

Are you a small business owner with big dreams of expanding your operations? In this blog post, we’ll explore how a small business loan can be a powerful tool to fuel your growth and take your business to new heights. This is where a small business loan can be a game-changer. Look no further!

Small Businesses 85

Small Businesses Credit Scoring 85

Lendio

DECEMBER 5, 2023

Navigating the world of commercial real estate rates can often feel like a complex maze. In this evolving landscape of the commercial property market, mortgage rates serve as the compass guiding your investment decisions. Current commercial real estate rates. Key elements of commercial real estate rates.

Credit Scoring 52

Credit Scoring Transactions Small Businesses 52

Lendio

APRIL 24, 2024

One key aspect that small business owners encounter when applying for Small Business Administration (SBA) loans is the SBA guarantee fee. This fee is a critical component of the loan process, yet it can cause confusion and questions among entrepreneurs. SBA 7(a) loan guarantee fees range from 0.00% up to 3.75%.

Small Businesses 52

Small Businesses Credit and Collections Default 52

Lendio

MARCH 21, 2024

For small business owners, the adage “you have to spend money to make money” rings particularly true, especially when it comes to inventory. However, managing a healthy, cash-flow positive business sometimes means turning to additional financial tools – and this is where inventory financing can be a game-changer.

Credit Scoring 52

Credit Scoring Credit and Collections Small Businesses Default 52

Lendio

FEBRUARY 22, 2023

Launching a startup business is exciting, but it can also be stressful if you need external money to keep the momentum going. While the SBA offers several small business loans for established companies, there are also some options available to new ventures. Each one has its own loan terms and eligibility requirements.

Investment Firms 97

Investment Firms Small Businesses 97

Lendio

NOVEMBER 17, 2023

Are you a small business owner looking to buy new equipment? Fortunately, the Small Business Administration (SBA) offers loan programs specifically designed to help small businesses purchase necessary equipment. Reasons to use an SBA loan to buy equipment. Types of SBA loans you can use to buy equipment.

Credit Scoring 52

Credit Scoring Nonprofit Organizations Credit Unions Small Businesses 52

Abrigo

JUNE 27, 2023

Also, real estate values generally appreciate over time, so it is an easy way to protect your fraudulent funds from an unstable market or wild exchange rate changes. If you have address-based risk rating functionality, you can always provide higher risk to those zip codes included within a GTO. trillion.

Brokerages 78

Brokerages Transactions Insurance Companies 78

Abrigo

DECEMBER 14, 2023

Draw from your personal, industry, or business experience. What specific lines of business are we not offering that would make us more competitive with our peers? Here are some sample questions a financial institution looking to grow its CRE loan portfolio might ask: What has been your historical CRE growth? Where are you today?

Credit Risk 89

Credit Risk Dashboards Credit and Collections CECL 89

Lendio

JANUARY 6, 2023

If you’ve ever owned a credit card, vehicle, or house, you probably understand the concept of an interest rate. Interest rates are always expressed in percentages, making it easy to grab a calculator and figure out how much you would owe in any given scenario. These can include business cash advances and short term loans.

Credit Scoring 98

Credit Scoring Small Businesses 98

The Red Spectrum

JUNE 15, 2023

If you are a small business owner, you know how challenging it can be to find the right financing for your business needs. But what if you operate in a high-rate environment, where interest rates are rising and credit tightening? When interest rates are high, borrowing money becomes more expensive.

Nonprofit Organizations 80

Nonprofit Organizations Credit Scoring Credit and Collections Credit Unions 80