Category: Blog

Diversifying Your Debt

Posted 10.16.2017

Diversification is a risk management technique to reduce volatility, produce stable returns and deliver a higher net benefit. A diversified capital pool will have a cost that lies between single source debt capital and opportunity cost. The opportunity cost is the lost revenue from being unable to operate due to a lack of capital. Most […]
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It’s not you, it’s your business. Don’t Take it personally.

Posted 06.22.2017

How do you not take it personally?  It’s your business and you have put all that you have into it.  With each milestone, success and at times failure, your business and you have been indistinguishable.  But, when it comes time to make decisions, decisions that will determine the future of the business, it might be […]
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I Love When a Plan Comes Together

Posted 06.07.2017

Being more successful than you anticipated is a great feeling. Coming up short when you didn’t expect to isn’t as enjoyable.  Both are warning signs to potential financing and investment partners.  You shouldn’t be expected to predict the future but you should have a strong plan and be ready to back it up. At the […]
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5 Essential Documents for Getting the Capital Your Business Needs

Posted 05.16.2017

Do you find the financing process frustrating? It takes too long, you’re asked for things repeatedly and there is a non-stop stream of questions. It’s a process that can create stress and anxiety. What you need is the capital when you need it. You know what to do to win a customer’s business. Build relationships, […]
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The High Risk of Low Cost Bank Asset Financing

Posted 07.06.2016

Having over 20 years’ experience arranging financing for industrial based SME’s (i.e. small & medium sized businesses), I am reminded yet again of how diversification is so important in all things business including debt. Downside to Asset Based Financing from the Banks Getting asset based financing from the bank at low interest rates may seem […]
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Your Kid Wants to Start a Business One Day – Excited or Time to Call the School Psychologist

Posted 04.26.2016

The fact some people dedicate their life to working on a new product or idea or strive to improve existing ones is crucial to our quality of life, prosperity and even peace as a nation. These people are the inventors, entrepreneurs and business leaders all around us. Sound like a stretch? Consider the following simple examples before discouraging your kids or […]
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Working with Creditors: How your mouth might just save your *ss.

Posted 02.02.2016

Strong communication skills are needed to manage in any economic cycle but when the situation gets tough it can be far tougher to communicate with stakeholders. For many business people, that call to a lender letting them know a payment will be late or go NSF is one that goes way back on the to-do […]
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Access to Capital: 2009 vs 2016 – some good news for a change

Posted 12.04.2015

I want to write about my direct experience arranging financing for small business for over two decades and how access to capital differed from one bear market to the next – with a focus on comparing ‘The Great Recession’ of 2009 with the low shaky Oil market today. Let’s start with a few common elements: Oil went from over $100 […]
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Double Down or Double Over – 6 tips to help small business owners make tough decisions.

Posted 10.21.2015

Content mainly intended for those in the Oil & Gas and related sectors. Your work has been decreased, rates are down but the business cost structure (even after some adjustments) is still heavy. You have been holding your payables as much as possible to keep payroll and equipment payments up to date (can’t have a business […]
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