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Relationships, not rates…

Businesses and business owners borrow based on relationships, not rates.

In trying to decide between a couple of taglines for my business I polled my business owner friends first. Here were their choices:

Linda Gabbert Keith CPA

  • Make goodloans. Make more loans.
  • Make more good loans…faster.
  • Show me the Money!
  • Better Decisions…by the numbers.

They all keyed in on the last one thinking that what I help lenders do is all about the numbers. Gosh, what I really want to say is that it is ‘more than just numbers’.

As you go about learning all the tools you need to use as a lender (tax return analysis, reading credit reports, appraisals, business plans), you may put as much emphasis on how to build relationships with your borrowers and prospective borrowers. Both are important…both.

About the Author
Linda Keith CPA is an expert in credit risk readiness and credit analysis. She trains banks and credit unions throughout the United States, both in-house and in open-enrollment sessions, on Tax Return and Financial Statement Analysis. She is in the trenches with lenders, analysts and underwriters helping them say "yes" to good loans. Creator of the Tax Return Analysis Virtual Classroom at, she speaks at banking associations on risk management, lending and director finance topics.