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Execution Risk

March 25, 2024/

Execution Risk is one of the lending decision topics that is deeply gray. Bankers have black and white scoring models for leverage ratios, cash flow and other measurable decision components. Properly evaluating the grey area of execution risk is more…

Growth constraints and interest rates

December 10, 2023/

Most people believe that one should never accept high interest rates on money borrowed. If you think this is always the answer, then you might want to read on and think again. Yes, it is prudent to get the lowest rate possible…

Taking the mystery out of commercial lending

October 30, 2023/

Have you ever wondered why one company gets an unsecured line of credit, another company’s credit facility is secured by all assets, and still others are declined entirely for commercial credit? The equation is both complicated and simple at the…

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California ​Department of Financial Protection and Innovation
Finance Lender/Broker License #607-1896
National Real Estate
NMLS #2252595

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