IE Business Daily Business news for the Inland Empire.
By Eugene E. Valdez AKA The Loan Doctor™ At least 90% of the CEO’s who hire me as their banking & financing consultant do so because they want to grow and they need bank capital to pull it off. Obtaining financing to achieve growth is one thing, executing and being …
Read More »Bank Regulators/Banks: Factors Considered in the Approval of Business Loans
By Eugene E. Valdez AKA The Loan Doctor™ Many business experts believe that loosening credit to small businesses should be a top priority for banks and policymakers. In my opinion making credit accessible to sound businesses is crucial to our economy and so should be front and center among our …
Read More »Peter Drucker and Willie McCovey
By Tim Kolacz Are you relevant? Of course you are. Maybe; could be; hey Tim, how about some context here? Am I relevant to someone in Moscow? Nope. Am I relevant to my client that I saw this morning? Geez, I sure hope so. How you answer this question may …
Read More »Business Expansion Financing Strategy, Use Your Own Money!
By Eugene E. Valdez AKA The Loan Doctor If you are the CEO of a small privately owned company the affordable sources of finance available to you are limited as compared to a medium to large publicly owned company. General financing options include: (all range of interest rates) Commercial banking …
Read More »The Loan Doctor’s Top Eleven Tips For Business Health
By Eugene E. Valdez AKA The Loan Doctor In my business career as a commercial banker and business finance consultant, I have interacted , interviewed and consulted with over a 1,000 entrepreneurs. Some business owners have been spectacularly successful, others were middle of the road and many ultimately closed their …
Read More »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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