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Temperature or Tides? Wants or Needs?

Your business borrowers are making big decisions in very ‘confused seas’. Is it time to:

  • Rehire workers?
  • Add to production?
  • Beef up inventory?
  • Market more aggressively?
  • Borrow money?

Last weekend I planned to take the kayak out for a trial run. I moved the seat forward and wanted to see if it improved my stroke.

Thumbnail image for BankerKayakWhiteBackgroundSmall.PNGEmail me and I’ll tell you!

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.