White Paper on Job Creation and Access to Credit in the United States For Small and Medium-Sized Businesses That Are Rich in Intangible Assets Andrew J. Sherman According a survey by BoeFly.com — a lending marketplace that connects small business and commercial borrowers with more than 2,000 banks and lenders nationwide — most small businesses (which are 95 percent of … Read More
My niece, Kiki Karpus, donates small amounts of money to start-up and emerging businesses that she admires. You may recall that I blogged about the art director and graphic designer last month. Furthermore, her investments are not for financial compensation. Rather, she and other well-educated, young professionals are part of a burgeoning phenomenon called “crowdfunding.” According to the U.S. Small … Read More
Small business lending is an exceptionally intricate facet of the U.S. economy, as many factors go into the decisions of lenders, federal agencies and more.
In recent years, optimism is one sentiment – whether among small businesses or consumers – that has been hard to come by.
Several recent reports have shown a marked decrease in the availability of small business loans over the last two quarters, which could be viewed as bad news for existing companies and new entrepreneurs.
When looking at the national economy, it is difficult to accurately determine the overall health of the nation’s businesses.
The unemployment problem in the United States has been the subject of many new reports, some of which have shown a trend of improvement.
The performance of the retail sector is often a solid indicator of the overall economic health in the United States, mostly as a result of the two biggest facets that fuel results – consumer spending and business success. In several recent reports, the retail sector had shown signs of life, outpacing other industries in several categories. Though the Federal Reserve … Read More
The U.S. Small Business Administration bridges the gap between qualified loan applicants and those that fall marginally below the benchmarks set by its approved lenders — each lender having their own underwriting criteria. Some use average financial ratios published by Risk Management Association. Others accept comparative data from industry trade associations. And still others base their underwriting on the experience … Read More
Entrepreneurship in the United States has seen tumultuous times in recent years, though many new reports seem to imply that business owners are experiencing much success, regardless of tough economic conditions.