Category Archives: Business

Debt Isn’t a Four-Letter Word; It’s Part of a Healthy Balance Sheet

As advisors to small businesses, bankers will regularly evaluate balance sheets as an important indicator of the health and vitality of a business. A good banker will be well versed in standard benchmark balance sheet ratios for specific industries as a guideline for assessing stability of an individual business. Experienced bankers will also  monitor trends […]

Are banks lending? Understanding the current financial environment

After the economic downfall five years ago, lending regulations have become markedly tighter, allowing only the most highly qualified business applicants to get access to money. This has been toughest, perhaps, on small businesses struggling to fund much-needed growth. Where does that leave all the small businesses that, without funding, can’t keep up with the […]