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Category: FINANCIAL INSIGHTS

Interest-Only Payments Until Fall Is Back

Not only will this loan give you the lowest payments possible, but it also gives you the flexibility to extend your interest-only payments even further if conditions aren’t optimal after the initial term ends with our 90-Day, COVID-19 Guarantee! Pay less when it matters with up to 5 months of low, interest-only payments Our lowest…
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Booms Do Not Cause Recessions – Hooray!

Today’s article contains great news for investors and brokers alike. According to an important Bloomberg article published this week, the economic boom currently being enjoyed in America will probably not result in an extra big bust, according to the work done by the Nobel-prize-winning economist, Milton Friedman. You may recall that Milton Friedman was a famous…
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Commercial Loans and the Leased Fee Estate

When underwriting commercial loans, commercial lenders need to be very careful about properties that are leased out for far more than their fair market value.  A story will make this clear. GrandpaJack was a brilliant man.  He was also a darned fool.   Forty-five years ago, he spotted the fact that Silicon Valley on the San…
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Commercial Loans and the Relaxation of the Debt Yield Ratio

First a correction.  A few days ago, I wrote a blog article about how deflation is sweeping the world.  In that article, I mentioned that deposit rates in Germany are slightly positive.  I am pretty sure that this statement was wrong. Listening to Bloomberg today, I just discovered that the yield on ten-yield German bunds…
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Differences Between Venture Capital And Angel Investors

Venture capital firms are different from private investors in that they have raised capital from a number of high net worth individuals with the intent to make investments on their behalf into promising start up companies and expanding businesses so that they can ultimately take the business public via an IPO or sell the business…
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Angel Investing As a Taxi Ride

In the convoluted microcosmos of Silicon Valley, it is more common to find a person who is an ‘angel investor’ than a person who owns a bike. Angel investors by definition allocate a small amount of their own investment funds to support companies that give companies a financial taxi lift. One thing few people realize…
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The Importance Of Stability, Prudence And Growth Prospects In Your Company’s Valuation

There are many aspects that affect your financial performance and, in turn, affect the perceived value of your company. Being able to illustrate the stability of your revenue and earnings along with validating your growth prospects are important factors. Investors want to know that the company isn’t at any great risk of losing key employees…
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9 Things To Consider Before Forming A Business Partnership

Getting into a business partnership has its benefits. It allows all contributors to share the stakes in the business. Depending on the risk appetites of partners, a business can have a general or limited liability partnership. Limited partners are only there to provide funding to the business. They have no say in business operations, neither…
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How To Get Financing For Your Business Venture

The other day, I was talking with an individual, a seasoned entrepreneur looking to raise a little capital for his next business, and he noted that he only needed a little bit of startup money to get the prototypes going, to prove concept, and to start making money. Yes, perhaps so, and perhaps not, but…
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Eleven Steps In Buying A Business

Purchasing an established business can be a daunting and complicated process for many individuals. Understanding the steps involved in the acquisition and doing the necessary planning and preparation will enable the buyer to increase their chances for a successful transaction. Following an established and proven process will not only reduce the stress that often comes…
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