Debt Financing

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Anonymous
(CEO)
I have inherited a Quickbooks file in which each year's dividend is paid to the sole director as: Dividends (equity a/c) Dr DCA Cr. My problem is that, while the director can draw...
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Event Questions
(Event Questions at Proformative)
This question was asked by an attendee during the Proformative webinar "Leveraging Analytics to Manage the Cost of Credit and Debit Card Payments" held on February 7, 2013....
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Wayne Spivak
(President & CFO at SBAConsulting.com)
What is the "market rate" for their services (not the factor rate for borrowing)? Also, do you get charged a "credit risk fee" if you do business with another...
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Doug Sleeter
Title: President
Company: The Sleeter Group, Inc.
(President at The Sleeter Group, Inc.)
The alternative lending industry is a hot topic among those involved in finance as well as small business owners seeking working capital. The expensive yet accessible loan products...
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Wayne Spivak
(President & CFO at SBAConsulting.com)
An article in CFO.com, talks about a new scheme, gaining some steam in Europe, although also proposed here, that allows SME's access to capital, underwritten essentially by the...
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Anonymous
(CFO)
Does anyone have a referral for a company that has handled their factored receivables?
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Brad Smith
Title: CEO
Company: Rescue One Financial
(CEO at Rescue One Financial)
A debt settlement represents a process through which a creditor agrees to allow a debtor to pay less than the full amount due and owing on a loan or credit card in exchange for a...
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Anonymous
(Partner)
We're 3 years old professional services llc, profitable on $3 million gross, and no physical assets as collateral. Is it true you can only get it if you don't need it or is...
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Anonymous
(Director)
There are restrictions in ownership of local companies in many countries. To overcome that if I own 70% of a local company, I can only declare 49% and tuck the remainder in a local...
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Anonymous
(President & CEO)
I run a consulting business and my w2 employees are often times on contracts which extend beyond one year. They travel to the client site most weeks and incur anywhere from a few...
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Wayne Spivak
(President & CFO at SBAConsulting.com)
According to the Oct 2014 issue of CFO (pg 9, "Small-Business Credit Picks Up"), SMB are doing better. Bankruptcies are down 12%, DPO are down 4.5%. In addition, the mid-...
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Doug Sleeter
Title: President
Company: The Sleeter Group, Inc.
(President at The Sleeter Group, Inc.)
  The decision to take on a business loan is not one that should be made in a day. With the ample business financing options available to small-business owners in today’s...
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Wayne Spivak
(President & CFO at SBAConsulting.com)
Which methodology do you use and why? Risk Method Historical Method Pareto Method Dart Method
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Anonymous
(Board Advisor and Investor)
I've only dealt w banks, using revolver, asset-backed credit facilities. I'm considering factoring some Accounts Receivable. Can anyone send contacts of some finance firms that...
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Doug Sleeter
Title: President
Company: The Sleeter Group, Inc.
(President at The Sleeter Group, Inc.)
  Working capital is a metric that represents the operating liquidity available to a business on any given day. In addition to a company’s fixed assets, for example...
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Annette Nellen
Title: Professor
Company: San Jose State University
(Professor at San Jose State University)
Today, credit card companies and several banks give you "points" of some type that can be redeemed for airline tickets and perhaps other items. Generally, when someone gives...
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Anonymous
(Test Analyst)
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B Wool
(owner at Self)
I obtained a promissory note in return for a business loan of which the debtor has since defaulted. I obtained a summary judgement which has since been vacated due to inadequate notice...
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Stephen Glenn
(Controller at Pierre Frey, Inc.)
In need of a simple loan agreement to cover excess funds advanced to the parent company. Terms are open ended, no repayment terms defined. I appreciate anything you are able to share.
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Keith Perry
(Consulting CFO and Business Operations A.. at Growth Accelerator)
I'm helping a company expand their operations; they primarily do short film animation (from idea through to post-production) and related graphic / product design for merchandising...