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Recent News and Articles on the Keywords: business loan + business + loan  Related to the article below (Last Update: 8/5/2008)

How to Apply for an SBA Loan
New York Times, United States -
By law, the SBA may not guarantee a loan if a business can obtain funds on reasonable terms from a bank or other private source. A borrower therefore must ...
Cardinal Bank and the US Small Business Administration Participate ... WELT ONLINE
SBA Launches Electronic Disaster Loan Application MarketWatch
Know Where to Look for Small Biz Funding TheStreet.com
WNWO
all 21 news articles »  CFNL
Shuffle Master, Inc. Announces Increased Commitments under its New ...
MarketWatch -
... 2008 (BUSINESS WIRE) -- Shuffle Master, Inc. (NASDAQ Global Select Market: SHFL) today announced that it has obtained additional term loan commitments ...SHFL - DB - WB

Best Syndication
Loan for business: The life line of growth
Best Syndication, CA -
Summary: Several Indian banks offer loan for business to cater to business requirements. With the growth of business activities Indian banks have laid out a ...
Same Day Cash Advance Loans: Instant Financial Loans for your Benefit Best Syndication
all 2 news articles »
Federal Home Loan Bank of Seattle Declares Second Quarter 2008 ...
MarketWatch -
SEATTLE, Aug 04, 2008 (BUSINESS WIRE) -- The Board of Directors of the Federal Home Loan Bank of Seattle (Seattle Bank) has declared cash dividends on both ...
Plaza Bank Reports Results for the Quarter Ended June 30, 2008 Business Wire (press release)
all 11 news articles »
Spherics goes out of business
Boston Globe, United States -
Spherics Inc., a Mansfield biotech company that received a state-funded loan to move to the Massachusetts three years ago, has shut down. ...
Gain Insight Into How Innovations in the Unsecured Loan Market ...
MarketWatch - 33 minutes ago
DUBLIN, Ireland, Aug 05, 2008 (BUSINESS WIRE) -- Research and Markets ( http://www.researchandmarkets.com/research/ca25ff/personal_lending_i) has announced ...
Advisers see opportunity in private loans, mortgages
InvestmentNews, NY -
"Credit is tight, and it will get tighter ? that's why [helping clients by lending money for mortgages and other business loans] is a huge opportunity for ...
ECDC launches business loan products to support viable projects ...
The Herald Eastern Cape, South Africa -
... is the range of short- term business finance products offering finance from R1000 to R500000 and comprises the Imbewu microloan, Powerplus small loan, ...
CFNB Announces 29% Drop in Fiscal 2008 Earnings to $7.0 Million
FOXBusiness -
... lease financing and commercial loans to businesses and organizations, as well as business loans to fund the purchase of assets leased by third parties. ...
Marlin Business Services Corp. Reports Second Quarter 2008 Net ... MarketWatch
all 17 news articles »  CFNB - MRLN - OTC:CMTX
Fitch Upgrades 2 Goldman Sachs Auto Loan Trusts
MarketWatch -
NEW YORK, Aug 04, 2008 (BUSINESS WIRE) -- Fitch Ratings (Fitch) upgrades five classes and affirms four classes of two Goldman Sachs Auto Loan Trusts. ...
Source: Google News

Bank Risk Rating of Business Loans -
WB English, WR Nelson - Finance and Economics Discussion Series, Board of Governors …, 1998 - ideas.repec.org
Bank risk rating of business loans. Author info | Abstract | Publisher info |
Download info | Related research | Statistics. Author Info. ...
-

Universal Banking and the Future of Small Business Lending -
AN Berger, GF Udell - Financial System Design: The Case for Universal Banking, 1996 - ideas.repec.org
... Hypothesis. Larger banks tend to charge lower loan rates to and less often
require collateral of small business borrowers. The estimated ...

Bank consolidation and small business lending: It?s not just bank size that matters -
J Peek, ES Rosengren - Journal of Banking and Finance, 1998 - papers.ssrn.com
... The empirical results support the hypothesis that acquirers tend to recast the target
in their own image, causing small business loan portfolio shares of the ...

SMALL BUSINESS CREDIT AVAILABILITY AND RELATIONSHIP LENDING: THE IMPORTANCE OF BANK ORGANISATIONAL … -
AN Berger, GF Udell - THE ECONOMIC JOURNAL, 2002 - Blackwell Synergy
... As well, large banks were found to base their small business loan approval decisions
more on financial ratios and less on the existence of a prior relationship ...

[PDF] Small Business Loans, Small Banks and a Big Change in Technology Called Credit Scoring -
R Feldman - Federal Reserve Bank of Minneapolis? The Region, September, 1997 - 212.59.24.64
... Graph 3 provides additional detail on the business loan market share of banks according
to the size of the bank and the size of the loan. Graph 2 Page 3. ...

The Effect of the Bankruptcy Reform Act of 1978 on Small Business Loan Pricing
JA Scott, TC Smith - Journal of Financial Economics, 1986 - ideas.repec.org
The effect of the Bankruptcy Reform Act of 1978 on small business loan pricing.
Author info | Abstract | Publisher info | Download ...

Disequilibrium econometrics for business loans -
JJ Laffont, R Garcia - Econometrica, 1977 - JSTOR
Disequilibrium Econometrics for Business Loans. Jean-Jacques Laffont. ... In Section
2, we describe the market for business loans by chartered banks in Canada. ...

Small Business Lending and Bank Consolidation: Is There Cause for Concern? -
PE STRAHAN, J WESTON - Current Issues in Economics and Finance, 1996 - papers.ssrn.com
... Banks with assets under $300 million hold less than 2 percent of the large C&I loan
market but hold about 35 percent of the small business loan market. ...

Monitoring and Reputation: The Choice between Bank Loans and Directly Placed Debt -
DW Diamond - Journal of Political Economy, 1991 - UChicago Press
... Steven A.Dennis,Ian G.Sharpe. (2005) Firm Size Dependence in the Determinants of
Bank Term Loan Maturity. Journal of Business Finance <html_ent glyph="@amp ...

Using an expert system with inductive learning to evaluate business loans
MJ Shaw, JA Gentry - Financial Management, 1988 - JSTOR
... The system, referred to as MARBLE, (managing and recommending business loan evalua-
tion) is an expert system [8] that uses 80 decision rules to evaluate ...

Source: Google Scholar
 

Five Reasons Not to Take Out a Business Loan
Tuesday March 6, 8:00 am ET
By AllBusiness.com

Every business needs extra cash from time to time, and there are plenty of good reasons to take on debt: to launch new products, expand your business, or purchase needed inventory. But there are also plenty of bad reasons to take out a loan. Here are five.

1. To launch a new business idea before you have thoroughly researched it. Fads come and go; the goal is the find one that sticks. Before you decide to buy into the latest fad concept, spend some time doing market research and deciding whether or not the concept is a good match with your experience and interests. Many people think that owning a restaurant is glamorous but find out later that it is very hard work. Do your homework before you take on a serious financial commitment. Should You Personally Guarantee a Loan to Your Business?

Article continues below and (thank you)

 

2. Your credit cards and lines of credit are maxed out. If you have exhausted all other available credit, maybe taking on more debt is a bad idea. When lenders see that you are overextended, you will likely be required to secure the loan with assets. If you are having difficulty paying your existing financial obligations, you are entering risky territory by gambling with your facilities, inventory, equipment, or even worse, your own house. Read more about Cleaning Up Your Company's Bad Credit Profile.

3. To make an impulse buy you can't afford. Perhaps there is a new technology or machinery you think would benefit your business, or maybe you want to remodel or upgrade your facilities. While all of these things may prove advantageous to your business, you won't be able to reap the rewards if you have leveraged all of your assets and the extra profits you make go toward repaying the loan. If the idea doesn't bring in extra revenue, you are still responsible for paying back the loan. If you used assets to secure the loan, you may end up without a business at all.

4. You saw an advertisement or received an email about unbeatable interest rates. As the old adage goes, if it sounds too good to be true, it probably is. And on the outside chance that it is true, just because you can get a great interest rate doesn't mean you should.

5. You want to consolidate your debts but haven't learned how to budget. Maybe your company is going through a tough time, or maybe you have mismanaged your company's finances and are now looking to consolidate all of your debts. Debt consolidation may ease the pressure temporarily, but you need to address the underlying problem if you want your business to succeed.

Find more advice on Accounting and Funding & Loans at AllBusiness.com. AllBusiness provides practical information and services for business professionals and growing businesses.

 
 
 
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