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Don’t add back depreciation?

In my tax return analysis workshops I ask the lenders for common adjustments to get them from taxable income to recurring cashflow to pay debts. The first one mentioned - and the loudest -...

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S Corporations: K-1s are(n’t) all alike!

So once again you are looking all over the K-1 for the owner's capital contributions, or whether the distributions are cash or property, or the borrower's share of liabilities. Where the heck...

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How Real Estate Developers (should) choose their lender

In the June 15-21, 2007 issue of the Puget Sound Business Journal (PSBJ), Reid Adamson of Baldwin Resource Group advises real estate developers: "Don't just...

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The ’shooting-the-breeze’ method of learning business banking

"How do we teach the next generation of bankers?" queries Ben Shandrow, SVP at Columbia Bank in Washington State. Here is the short version...read...

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FAQs for your business borrowers…

Especially with a start-up business, sometimes the business borrower does not know all the questions to ask. Pair that with a newer lender and some critical piece of the communication may be...

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Tough loan climate makes good decisions more critical…

It is no surprise that the current rate environment is pinching the profits of lenders. If you missed it, there is a good article in the

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Lender’s responsibility in the subprime meltdown

In my loan officer training sessions on tax return analysis, this subject comes up: 'What if I don't think the borrower can pay, even though the analysis shows they...

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Create value by understanding business

Many lenders in my Tax Return Analysis training workshops are new to business lending. I always know if my advice to them is resonating by watching the more senior lenders in the...

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Business owners often take the ‘profit’ home…all of it

A factoid in the September 2006 Journal of Accountancy caught my eye.

In the 2005 "ACNielsen Online...

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