South State Correspondent

MARCH 6, 2023

In an article last week ( HERE ), we discussed why real estate loans underwritten at common debt service coverage ratio (DSCR) and loan-to-value (LTV) levels may quickly become substandard credits if capitalization (cap) rates normalize, as expected because interest rates are rising. debt yield ratio ($135k divided by $1.5mm).

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Community Bank Community Lending Regional 195

South State Correspondent

JUNE 17, 2019

CRE UNDERWRITING Recent data, just released from Real Capital Analytics, shows that since the start of the year (month-end April), commercial real estate (CRE) has appreciated 2.6% This is good news for banks as it shows that every significant loan sector likely has improvements in both debt service coverage and loan-to-value.

Analytics 276

Analytics Capital Marketing Data 276

South State Correspondent

AUGUST 16, 2023

Even if your bank has limited consumer exposure, given that the consumer composes approximately 66% of the US economy, and, according to the yield curve and market pundits, we are all staring into a recession, paying close attention to consumer trends is critical. 1,000+ payments now are 15% of the market which is also a new development.

Trends 195

Trends Cards Capital Data 195

PYMNTS

NOVEMBER 19, 2020

Venture capital cash has been flowing this year to companies that plan to buy up sellers on Amazon and help them grow. million in venture capital this month; FBA Heroes , which netted a $65 million seed round, also this month; and Thrasio , which announced it had raised $260 million in July.

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Capital Marketing Branding Groups 281

South State Correspondent

NOVEMBER 15, 2022

the As interest rates go back up and volatility continues to remain high, banks’ cost of capital has undergone a significant shift up. Your cost of capital is essential to know for several reasons. Produce over your cost, and you will be able to attract more capital. Why Calculate Your Cost of Capital?

Capital 195

Capital How To St. Louis Community Bank 195

Perficient

OCTOBER 27, 2022

The FRB and FDIC are looking to improve financial stability by limiting contagion risk ( the spread of an economic crisis from one market or region to another) by reducing the likelihood of uninsured depositors suffering loss. Current Capital Requirements. The current long-term debt calibration for U.S.

Capital 275

Capital Regulation FDIC Regional 275

PYMNTS

NOVEMBER 24, 2020

The combined company, to be led by Metromile CEO Dan Preston , will have a pro forma market capitalization of approximately $1.3 Investors Social Capital, Hudson Structured Capital Management, Miller Value, Clearbridge and Mark Cuban have committed to investing $160 million through a private placement of INSU II Class A common shares.

Arizona 264

Arizona Pennsylvania Capital Washington 264

Abrigo

FEBRUARY 6, 2024

Address how cash flow will be used to determine business borrowers’ debt service coverage ratio and approve credits. The following specific policy areas are recommended for careful consideration and attention by all credit unions engaged in member business lending. However, with opportunities come inherent risks.

Lending 221

Lending How To Risk Management Policies 221

PYMNTS

JUNE 16, 2020

Zombie companies are those that remain in business but are so deeply in debt that they’ll never catch up. monetary policy seems to ease by the day, enterprises of all sizes are tapping time and again into debt markets — potentially creating a corporate landscape littered with zombie firms. In an age where U.S. economic recovery.

Company 214

Company US Policies Course 214

Perficient

MARCH 3, 2022

The Office of the Comptroller of the Currency (OCC) recently released the economic and financial market scenarios that will be used in the upcoming stress tests for covered institutions. Equity market volatility, as measured by the Chicago Board Options Exchange Volatility Index (VIX), declines in 2022 by about 6.5 to hover around 2.50

Capital 294

Capital Regulation Exercises United States 294

Abrigo

DECEMBER 18, 2023

WATCH Takeaway 1 Banks and credit unions are critical sources of capital for businesses in their communities, so how institutions assess CRE credits matters. Takeaway 2 Advisors recommend that financial institutions look behind some of the headlines and examine their own markets before ruling out CRE altogether.

Risk Management 221

Risk Management Management Lending Capital 221

South State Correspondent

JUNE 13, 2023

When interest rates rise, lenders do better, but borrowers struggle to service the debt. When interest rates rise, lenders struggle to manage revenue and economic capital; when rates fall, borrowers can commonly refinance the debt at lower rates. Instead, we recommend that borrowers try to ladder their debt portfolios.

Marketing 195

Marketing Examples Capital Management 195

PYMNTS

JANUARY 20, 2021

One option for these companies is giving the money back, which is favorable as many companies want to start the year off with less debt, FT reported. There could also be a spike in buyouts spurring from the cash raised through debt markets in 2020. A third option, FT reported, is buying stock, which could please investors.

How To 266

How To US America Report 266

PYMNTS

SEPTEMBER 28, 2020

When an organization is bearing an ever-increasing burden of outstanding accounts receivables, there are multiple sources of capital to which it can turn. Yet they're not all created equal, James explained, and many sources lack a more humane approach to easing the burden of debt. The Predatory Lending Trap.

social media 215

social media Capital Fintech Operations 215

South State Correspondent

SEPTEMBER 25, 2023

On September 20, 2023, the Federal Open Market Committee (FOMC) left its benchmark rate unchanged, but it would be a mistake to conclude that the committee did not send a strong message about the projected path of future interest rates.

Community Bank 195

Community Bank Community Industry Marketing 195

PYMNTS

JANUARY 20, 2021

In today’s top retail news, Birkenstock is said to be in discussions for a sale to CVC Capital Partners, while Cognira has released its AI Promotion Solution. Plus, Jennifer Lopez is depending on Flowcode for marketing of her new JLo Beauty brand. Birkenstock Discusses Potential Sale With CVC Capital Partners.

Retail 239

Retail Google Capital Branding 239

South State Correspondent

JULY 5, 2022

In a stagflation environment, as interest rates rise and cash flow (earnings before interest, taxes, depreciation, and amortization (EBITDA), or net operating income (NOI)) decreases, the borrower’s capacity to service debt as measured by the debt service coverage ratio (DSCR) decreases rapidly. Conclusion.

Management 195

Management Capital US Community Bank 195

PYMNTS

JANUARY 3, 2021

According to the news site, American Airlines' market capitalization fell 45 percent, Delta's fell 31 percent and United Airlines' fell 51 percent. Additionally, according to CNBC, Southwest lost 14 percent of its market capitalization — all while the S&P 500 increased by 16 percent over the course of the calendar year.

US 181

US Alaska Course Capital 181

PYMNTS

MAY 31, 2020

The coronavirus pandemic has many smaller property owners looking to unload their properties to save money, which could lead to big owners seeing a market ripe with purchasing opportunities, according to a CNBC report. Stay Alfred announced that it would be shutting down soon, while the other companies all announced layoffs and new debt.

San Francisco 181

San Francisco Washington Capital Report 181

PYMNTS

JULY 12, 2020

capital’s office market, has bought an office in London, Bloomberg reports. He said he had “great faith” in London’s office market, saying there could be a greater wealth of opportunity once the pandemic is over. That brought the overall amount of debt for the company to around $1.3

Marketing 168

Marketing America Capital Report 168

PYMNTS

NOVEMBER 15, 2018

billion in small business loans from non-bank lenders to increase availability of working capital for the nation’s SMBs. ” Reports noted that bank lending to small firms has constricted in recent years amid market pressures to reduce risk exposures. . Smaller banks, meanwhile, cannot sell debt to other parties.

Lending 146

Lending National Capital Analysis 146

PYMNTS

SEPTEMBER 18, 2019

The New York-based FinTech company Petal has announced a $300 million debt round from global investment bank Jefferies, adding to existing venture capital investments from Peter Thiel’s Valar Ventures, Rosecliff Ventures and others, the company announced in a press release on Wednesday (Sept. ABS capital markets for Jefferies.

Cards 133

Cards Capital New York Millennials 133

PYMNTS

DECEMBER 18, 2020

Canadian FinTech Neo Financial said that it has raised CAD $50 million in a Series A funding round that included $25 million in funding and $25 million in debt facility financing. Other investors included Shopify CEO and founder Tobi Lutke, Golden Ventures, Inovia Capital, Thomvest, Afore Capital, Maple VC, FJ Labs, and District Ventures.

Fintech 163

Fintech Capital Cards Innovation 163

PYMNTS

MARCH 9, 2020

As the coronavirus roils markets, as indexes swing down — and up — by several percentage points daily, and as interest rates get ever smaller, we’re in uncharted territory. The Markets. First thing’s first: Markets look overvalued in his estimation, even against recent pullbacks. The Debt Trap.

Marketing 175

Marketing United States Lending Company 175

South State Correspondent

APRIL 1, 2023

This, combined with a reduction in FHLB net issuance and slower money market fund (MMF) inflows, points to the fact that the rate of deposit outflows is decelerating, and much of the borrowing observed two weeks prior was taken as a precaution. The move will increase the cost of compliance and the cost of capital.

Regulation 221

Regulation Community Bank Community Capital 221

PYMNTS

DECEMBER 12, 2019

San Francisco FinTech Brex announced a $200 million debt capital raise from Credit Suisse that will be used to expand its eCommerce business and credit offerings to new companies, Brex announced in a press release on Thursday (Dec. Its first was a $100 million debt facility in April with Barclays Investment Bank. .

Fintech 131

Fintech San Francisco Capital Software 131

BankUnderground

APRIL 3, 2024

For instance, the accumulation of debt in the pre-global financial crisis (GFC) era by households and corporates was a warning signal that indicated several potential risks and vulnerabilities in the economy, including overleveraging and asset price inflation. a) Final data point is aggregated quarterly data in 2023 up to 2023 Q3.

Lending 63

Lending Analysis Policies Trends 63

South State Correspondent

FEBRUARY 27, 2024

Treating all credit facilities equally by setting minimum credit spreads regardless of size, term, cross-sell opportunities, lifetime value, and credit quality leads to misallocation of capital and substandard return on assets (ROA) and return on equity (ROE). Many banks target profitable commercial clients.

How To 195

How To Community Bank Community Management 195

BankUnderground

OCTOBER 19, 2023

Simon Lloyd, Daniel Ostry and Balduin Bippus How much capital flows move exchange rates is a central question in international macroeconomics. Our Granular Instrumental Variables (GIVs) We exploit the substantial variation in the size of banks’ cross-border USD positions to construct GIVs as exogenous variation in aggregate capital flows.

Capital 102

Capital Lending Policies Data 102

PYMNTS

JUNE 16, 2020

Zombie companies are those that remain in business but are so deeply in debt that they’ll never catch up. monetary policy seems to ease by the day, enterprises of all sizes are tapping time and again into debt markets — potentially creating a corporate landscape littered with zombie firms. In an age where U.S. economic recovery.

Company 130

Company Marketing US Policies 130

PYMNTS

APRIL 30, 2020

Some are more exposed to credit card debt and lending to oil and gas companies. The European Central Bank has cautioned banks to be flexible when applying accounting standards, as the region is one where companies depend more on bank lending than on capital markets for funds. However, U.S.

Lending 188

Lending Comparison Regional Capital 188

PYMNTS

NOVEMBER 16, 2020

million) from debt financing through Claret Capital. Razor is operating in a market full of companies working in fundraising, like Thrasio and Heroes , among others looking for Amazon dealers that want to sell their businesses. However, Ahluwalia said he doesn't think any consolidation will be quick, the report stated.

Groups 235

Groups Report Marketing Capital 235

PYMNTS

NOVEMBER 12, 2020

Government-backed loan schemes like the Paycheck Protection Program (PPP) connected vital capital to small- to medium-sized businesses ( SMBs ) in need of aid to stay afloat. While helpful, the availability of affordable financing for SMBs is not necessarily typical of a market in which smaller firms can struggle to access funding.

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Regulation Capital Marketing Lending 232

Abrigo

NOVEMBER 12, 2023

Takeaway 2 Capital, performance, and administrative covenants are common with business loans. Notably, many banks recently reported having tightened standards and terms on C&I loans to large, middle-market, and small firms due to the less favorable or more uncertain economic outlook. However, a blanket policy isn’t ideal.

Risk Management 221

Risk Management Lending Policies Management 221

PYMNTS

JUNE 5, 2020

Issue debt, raise funds, lay off workers. economy saw historic job gains , Bloomberg reported that several large companies have, in past months, come to market for funding through debt. There’s a total of about $10 trillion of non-financial corporate debt outstanding, as estimated by the Federal Reserve.

Marketing 131

Marketing Report Trends Strategy 131

CFPB Monitor

APRIL 25, 2022

The CFPB has issued its annual Fair Debt Collection Practices Act report covering the CFPB’s debt collection activities in 2021. The CFPB also highlights debt collection involving small businesses in a section of the report titled “Small Business Debt Collection.” FTC annual update.

Report 141

Report Pennsylvania Resources Operations 141

PYMNTS

JANUARY 7, 2021

Silicon Valley startup Social Finance (SoFi) is closing a merger deal with blank-check firm Social Capital Hedosophia Holdings Corp. Social Capital Hedosophia is one of three special-purpose acquisition companies (SPACs) on the lookout for investment opportunities. V to file an initial public offering (IPO). . billion in cash proceeds.

Samsung 183

Samsung Capital Lending Innovation 183