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Tag Archives: Business Advice

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 …

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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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New Laws for 1099 Independent Contractors

By Tim Kolacz In the great land of opportunity, we always want more. We want to be better than yesterday. We want to go further, faster, higher (and an Olympian, I guess). Are we the best athlete, professor, insurance broker, coach of your kid’s AYSO soccer team? As business owners, …

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Entrepreneurs: A Fascinating Group of People!

By Eugene E. Valdez, AKA The Loan Doctor For more than 40 years I have been fascinated with the subject of entrepreneurship and entrepreneurs. I have lent money to them, interviewed them, written about them, consulted and coached them, and I have been one for over 15 years, (Still am!). …

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