Saturday , June 25 2022

Business Advice

Financial Ratios- The Tools of Bank Loan Underwriting

By Eugene E. Valdez AKA The Loan Doctor When commercial banks underwrite commercial loans they look at a myriad of factors including but not limited to: a CEO’s management ability, past and future industry trends, a CEO’s business model, the value proposition, sales and earnings trends, EBITDAS, strength of the …

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Connection between business models and obtaining commercial loans

By Eugene E. Valdez AKA The Loan Doctor I have written about business models in previous articles submitted to IE Business Daily. The reason is that well-crafted business models are so important in influencing bankers and lenders to loan money to small, privately owned businesses.  A well thought business model …

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Parish Morris, Profile in Success: From Vet to “Vetrepreneur”

By Eugene E. Valdez AKA The Loan Doctor Parish Morris is the owner and founder of a successful multi-million dollar business called Document Security Solutions (DSS) based in Perris, CA. Morris’ rise to prominence as an entrepreneur is an inspiring story and one that should be shared with our local …

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Applying for a business loan? What does bankable mean?

By Eugene E. Valdez, AKA The Loan Doctor All of my current banking & finance consultant clients were initially consulting prospects. They were brave souls who attempted to navigate the murky waters of the commercial banking industry on their own and out of frustration and bewilderment hired me. They failed …

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