05.07.22

Lending with Rising Interest Rates

Some changing times for commercial lending, interest rate increases are here, as we move away from emergency settings for monetary policy.This also comes at a time when Goverment support, in the guise...
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31.05.22

Finance Covenants

What are Covenants in Commercial Lending? Covenants in a banking context are restrictions or requirements that lenders place on the borrower. These restrictions can be many and varied, both quantitati...
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28.04.22

Understanding Financial Statements

Overview Many people without training in accounting or finance can find reviewing, understanding and analysing financial statements a daunting process. Here are a few tips on where to start and how to...
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06.04.22

Choosing Credit Providers

OVERVIEW Structuring Business Finance is more complicated than many, including some accountants, realise. In the most primitive sense, money is a commodity, and in that regard, the product offerings...
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22.03.22

Changing Landscape of SME Lending

Emerging World of SME LendingWestpac has joined others in its market with expansion of commercial lending policy for the SME sector. They are extending out allowable loan terms and allowing more lever...
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12.03.22

Showing Loan Servicing

Showing Loan Servicing ("Capacity") There are a number of different methodologies for demonstrating the ability for a business to service debt. All credit providers apply different logic and scoring m...
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07.02.22

Types of Security for Lending

Security or Collateral are the assets that a borrower provides to a lender, as security for credit. For the credit provider, this serves as a protection against potential loss of capital. Overview The...
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20.01.22

Financial Planning Practices & Credit

Operate a Financial Planning Practice and looking to access debt?  Credit providers have become increasingly focused on customising their lending policies accordingly. The recent Government Guara...
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04.12.21

Accounting Firms & Credit

Professional Services Credit providers have become increasingly focused on understanding what drives behaviour and credit risk in specific industries, and setting lending policies accordingly.There ar...
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17.11.21

Growth - Banking Industry

GROWTH FOR BANKING BUSINESSES How do I keep my book growing? There are many good resources to read on growth, perhaps better than any specific insights listed here. Though in the context of growth, en...
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07.11.21

Sales & Marketing - Banking Industry

Considerations for Positioning & Marketing Banking Services  i) PositioningIndividual Bankers and Brokers alike need to understand their own profile and tendencies, so too does the Business h...
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28.10.21

Trade Finance - Worth the Cost?

Overview Is Trade Finance worth the cost? For those SME's that deal with suppliers with either long lead times, various geographical locations or other complexities, financing the purchase of goods ca...
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