Remove Capital Remove Community Remove Presentation Remove Taxes
article thumbnail

The ICBA 22/23 executive committee is all in

Independent Banker

Executive committee members tell us what advocacy issues they’ll be focused on during their terms, while board members share their words of wisdom for up-and-coming community bankers: themselves. To sum it up, these leaders are all in and all heart for community banking. We are not Wall Street banks—we are community banks.

article thumbnail

How To Talk To Commercial Borrowers After The Future Path of Interest Rates

South State Correspondent

As community bankers, we are foremost trusted advisors to our customers. First, Neil presents the interest rate futures curve to his borrowers. Fourth, Neil does not try to sell his view of where the capital markets will be in the future because he knows he cannot predict that. Bankers As Trusted Professionals. Conclusion.

How To 195
Insiders

Sign Up for our Newsletter

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

article thumbnail

Revenue-Based Financing Challenges The Bank Loan Status Quo

PYMNTS

by regulatory initiatives (designed to spur competition in small business banking, open up the market to new challenger banks and support marketplace lending platforms), the bank loan is often the first place small business owners look when in search of capital. venture capital investments in U.K. venture capital investments in U.K.

Capital 132
article thumbnail

Reading The Tea Leaves Of Post-Pandemic SMB Lending

PYMNTS

They're also tasked with choosing the best route to obtaining working capital as the number of options grows. From traditional bank loans to alternative financing to other sources of capital like PPP loans , there are many options today, said Puskar. Right now, we've been taking a look at 2018 and 2019 tax returns.

Lending 233
article thumbnail

How To Sell Prepayment Provisions In Commercial Loans

South State Correspondent

Many community banks will market their fixed rate loans based on the simplicity of the prepayment provision, and this starts by understanding the value that each provision creates. We want to share his strategy so that community banks can manage their marketing more effectively. Step 1: There is No Prepayment Penalty on the Loan.

How To 195
article thumbnail

Cash Flow A Tough Lesson To Learn For SMBs

PYMNTS

Intuit found 42 percent of SMBs have experienced cash flow issues in the last year alone, despite tax cuts and other regulatory policies designed to support the small business community. Fifty-two percent of U.S. Nearly one-third of businesses surveyed said it takes more than 30 days to see customers pay invoices.

Survey 158
article thumbnail

Widening Borrower Protection’s Scope To SMBs

PYMNTS

As online lending platforms proliferate among the SMB borrowing community, however, experts warn that a lack of regulation means these companies rarely publicly reveal interest rates and fees. One might think that once a borrower is presented with a 358 percent rate, they’d run – fast. ” Knowing Their Options. ”

Lending 136