There comes in the life of your company that orders come in regularly, and you cease worrying (at least not as much as before) about where you’re going to get more sales. You are at that point where you start to attract more customers, and they come knocking at your...

Clients usually say that banks only lend money to companies who don’t really need it. As a former banker, I can relate. It’s true that most bankers would want a company who has strong fundamentals as a client. The more cash they have, the better. But then again, they...

I want to share with you a question a client recently asked me. You see, this client got loans before from various banks. As hers is a small business supplying vegetable products to restaurants in Metro Manila, most of her loans are actually housing loans. She just...

From the last post, I told you about some the debt service coverage ratio. If you haven’t read that yet, here’s the link. Now I want to let you in a little secret.You see, a couple of weeks ago, an associate of mine approached me about a problem they had with a...

A construction company once approached me for advice. They’ve been in business for five years at that point, and they have never borrowed money before that time. They did approach banks, but they weren’t sure how to tell them about what they need. The president was an...