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Business as usual. The road to success is not paved.

Business has been bumpy during the recession. But truthfully, almost every business, in any economy, has undergone many twists and turns.

When bankers analyze  tax returns to make the best loan decision, you are always looking for clues to whether the business is successful, will become successful, or regain success. It helps to remember that even in a great economy, the road to success is not paved. Bumps. Twists. Breakthroughs. Turns. Stumbles. Breakthroughs.

Frank Coker of Corelytics brought this article to my attention and it sure rang true with me. If you have a business borrower in a rough patch, it might be the economy. Or it might just be business as usual!

Enjoy! And then tell me what you think.

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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.