All blogs and articles that relate to obtaining and utlizing debt financing in a business

The Next $300 Billion Industry

Crowdfunding. Here's why:

In 2011, about 1.2 million projects were successfully funded through CrowdFunding platforms, totaling about $1.5 billion.

How CrowdFunding became legal in 460 days

A 78+ year-old law needed change. Who better to take it on than 3 entrepreneurs with ZERO political experience! 

Crowdfunding: Breaking it Down

After attending the CrowdFunding Made Simple conference on May 31st and June 1st, I have gained a new knowledge and appreciation for what has been accomplished so far by the leaders in this industry. I am amazed at the potential growth projected for its future. But more on that in another post.

How to Impress Your Banker

Let's pretend you're the banker and you're scheduled to meet with two different companies, back-to-back. You get to decide which one you should loan money to. The CEO of both businesses will be male to ensure your judgment is gender neutral. Here we go:

COMPANY A

Top Eleven 2011 Trends for Entrepreneurs

As we launch into the new year, here are the top 11 trends that entrepreneurs need to be aware of, think about, and for which we should all prepare:

Report Card on 2010 Entrepreneur Trend Predictions

Here is a look at the predictions I made for 2010 at the end of 2009 so you can see how I did. Of the ten identified trends, I gave myself 4 As, 4 Bs, 1Cs, and a D, for an overall GPA of 3.1.

Most Popular Blog Posts of 2010

2010 has been a very good blogging year for CFOwise®. In the spirit of planning for a great 2011, here are the eleven most popular blog posts from the year 2010:

Bootstrap for Slow-Growth or Raise Equity to Accelerate

There is a lot of talk and content on the internet about "bootstrapping." I had an interesting experience with this just last week. A company is looking to roll-out an innovative business model in a very competitive online business space. One partner in the business wants to grow slowly, gaining customers slowly and using the revenue generated to fund future growth.

Ten Accounting & Finance Secrets for Start-Ups

Start-Up companies do not need theoretical or impractical advice. They need tips and suggestions that they can easily and swiftly implement to improve their chances for success. In the spirit of this need, here are ten tips in the areas of accounting and finance that they should consider implementing in a hurry:

Removing the Financial Stress of a Seasonal Business

Most businesses have at least some seasonality to them.  Perhaps the first quarter of every calendar year is always slow, or your business comes to a stand-still every November through December.  Here is an example of a business that slows dramatically ever summer:

5 Key Terms of an Asset-Based Line of Credit

Short term working capital financing is most commonly facilitated with an asset-based line of credit. As its name suggests, the loan is secured by an asset in the business – usually accounts receivable.

Should Partners Who Guarantee Debt Receive Compensation for Exposure to Risk?

Here is a real situation that has a partnership of four up-in-arms:

 

Each partner owns 25% of the business.  Three of the four partners have stellar credit and decent net worth.  The fourth partner had a bankruptcy 4 years ago and does not have much net worth, other than the value of the business, to speak of.

 

The company has a customer present an opportunity to them to double their business in 12 months.  The catch - they will need to buy over $1,000,000 of equipment to capitalize on the lucrative opportunity.  Even though the credit markets are tough, this company is able to s

Seller-Financing Required

If you want to sell your business, seller-financing has become an even more common requirement.

The SBA Has Problems, But Can They Be Fixed?

The SBA exists to get cash, resources and financial help for small business and entrepreneurs (defined as companies with fewer than 500 employees) of America. By every measurable result, they are failing. So, can they be fixed?

 

An article discusses some of the issues and some suggestions to fix the agency.

Cost of Debt Drops, But is it Harder to Get?

The main reason the Fed is cutting rates is to spur borrowing and economic spending. In response, the commercial banks are cutting the prime rate from 5.25% to 5% (USA TODAY, 1 May 2008). This means that the cost of debt for businesses should be on the decline.

 

However, the credit crisis caused by the collapse of the sub-prime lending market has banks tightening their lending policies.