The document discusses managing a client's debt and home equity in an optimal way. It emphasizes creating congruent goals for debt repayment and investments to maximize growth over the long term. A key part of managing debt involves understanding a client's specific needs and life goals, regularly reviewing rates and market trends, and finding opportunities to consolidate debt at lower rates.
The document discusses the credit rating process. It begins by defining what a credit rating is, including that it grades an entity's willingness and ability to repay debts using letters or categories. It then notes that credit ratings are not political statements or directives. The main reasons for getting rated are to increase investor acceptance and lower interest costs. The document goes on to describe the types of ratings, the rating process, terminologies, factors assessed, and sectors where ratings play an important role.
This document discusses collateral requirements for loans, including SBA loans. It notes that collateral is not always required by lenders, and strong business plans and financial projections can reduce collateral needs. The amount of collateral required depends on factors like the risk of the loan and how much risk the lender already has. For SBA loans, personal guarantees are usually required from owners of 20% or more of the business. Which assets can be pledged as collateral varies by lender and loan type. Receivables can be factored for immediate cash flow. The value assigned to collateral depends on factors like the age of receivables. Franchises listed on the Franchise Registry may have more favorable collateral requirements from lenders.
The more information you share with your investment advisor about your personal financial situation, the more equipped your advisor will be to help you meet your financial and investment goals.
This document provides an overview of FHA loan programs and how they can help borrowers in California's declining housing market. It outlines key features of FHA loans including lower down payment requirements, more flexible credit and debt-to-income ratios, ability to use co-signers and gifts for down payments, and financing for renovations. The summary describes how FHA loans provide alternatives for borrowers with imperfect credit, limited savings, or properties needing repairs by allowing lower credit scores, bank-owned properties, and no required reserves. It concludes by noting other FHA programs like streamlined refinances and reverse mortgages as well as cases where FHA may not be suitable like non-owner occupied homes or borrowers
The document discusses how lax lending standards during the 2007-2008 financial crisis contributed to its occurrence, and argues that a return to basic asset-based lending principles is needed. It outlines the basics of commercial lending such as understanding customers, risks, repayment ability, and using the five "C"s of credit analysis - character, capacity, capital, conditions, and collateral. Covenants and scrutinizing add-on acquisitions are also recommended to strengthen underwriting. Overall it advocates going "back to basics" in commercial lending to build a robust credit culture and prevent future crises.
What loan funders look for in considering applications from potential CAT org...walescva
This document discusses securing loans for community asset transfers. It outlines why organizations may want to use loan finance, what loans can be used for, and what lenders look for in loan applications. Lenders want to ensure they can get repaid, so they assess risks using the "CAMPARI" method of evaluating a borrower's character, ability to repay, margins, purpose of the loan, amount of the loan, repayment sources, and any insurance like security. The document also reviews the pros and cons of loans, factors for organizations to consider, and the process that occurs after a loan is approved.
The document discusses managing a client's debt and home equity in an optimal way. It emphasizes creating congruent goals for debt repayment and investments to maximize growth over the long term. A key part of managing debt involves understanding a client's specific needs and life goals, regularly reviewing rates and market trends, and finding opportunities to consolidate debt at lower rates.
The document discusses the credit rating process. It begins by defining what a credit rating is, including that it grades an entity's willingness and ability to repay debts using letters or categories. It then notes that credit ratings are not political statements or directives. The main reasons for getting rated are to increase investor acceptance and lower interest costs. The document goes on to describe the types of ratings, the rating process, terminologies, factors assessed, and sectors where ratings play an important role.
This document discusses collateral requirements for loans, including SBA loans. It notes that collateral is not always required by lenders, and strong business plans and financial projections can reduce collateral needs. The amount of collateral required depends on factors like the risk of the loan and how much risk the lender already has. For SBA loans, personal guarantees are usually required from owners of 20% or more of the business. Which assets can be pledged as collateral varies by lender and loan type. Receivables can be factored for immediate cash flow. The value assigned to collateral depends on factors like the age of receivables. Franchises listed on the Franchise Registry may have more favorable collateral requirements from lenders.
The more information you share with your investment advisor about your personal financial situation, the more equipped your advisor will be to help you meet your financial and investment goals.
This document provides an overview of FHA loan programs and how they can help borrowers in California's declining housing market. It outlines key features of FHA loans including lower down payment requirements, more flexible credit and debt-to-income ratios, ability to use co-signers and gifts for down payments, and financing for renovations. The summary describes how FHA loans provide alternatives for borrowers with imperfect credit, limited savings, or properties needing repairs by allowing lower credit scores, bank-owned properties, and no required reserves. It concludes by noting other FHA programs like streamlined refinances and reverse mortgages as well as cases where FHA may not be suitable like non-owner occupied homes or borrowers
The document discusses how lax lending standards during the 2007-2008 financial crisis contributed to its occurrence, and argues that a return to basic asset-based lending principles is needed. It outlines the basics of commercial lending such as understanding customers, risks, repayment ability, and using the five "C"s of credit analysis - character, capacity, capital, conditions, and collateral. Covenants and scrutinizing add-on acquisitions are also recommended to strengthen underwriting. Overall it advocates going "back to basics" in commercial lending to build a robust credit culture and prevent future crises.
What loan funders look for in considering applications from potential CAT org...walescva
This document discusses securing loans for community asset transfers. It outlines why organizations may want to use loan finance, what loans can be used for, and what lenders look for in loan applications. Lenders want to ensure they can get repaid, so they assess risks using the "CAMPARI" method of evaluating a borrower's character, ability to repay, margins, purpose of the loan, amount of the loan, repayment sources, and any insurance like security. The document also reviews the pros and cons of loans, factors for organizations to consider, and the process that occurs after a loan is approved.
Debt & Equity-Financing The Deal Considerations & TrendsTony Wayne
This document summarizes considerations for debt and equity financing deals. It discusses factors that influence financing options like size of the deal, quality of earnings, and market conditions. It also outlines various financing sources and structures including loans, SBA financing, asset-based lending, mezzanine debt, equity, and special situation deals. Key trends are increasing leverage, covenant-light debt, and more creative financing structures. The presentation provides an overview of the current environment for structuring acquisition and restructuring deals.
Information on the five C's of credit, bankruptcy proceedings, credit policy, credit investigations, credit fraud, credit decisions, customer visits, the sales department, and the vredit department.
Mezzanine finance sits between senior debt and equity in a company's capital structure. It can take the form of subordinated debt or preferred equity. Subordinated debt typically has a yield of 12-17% consisting of a current coupon of 10-12% plus additional paid-in-kind interest or equity warrants. Preferred equity has an even higher risk but yield of 20-24% paid as PIK dividends plus warrants. Mezzanine financing allows companies to take on more leverage than with senior debt alone, with the mezzanine investor positioned ahead of common equity but below senior lenders in the capital structure.
This document discusses the five C's of risk assessment: Character, Capacity, Capital, Conditions, and Collateral. It provides details on how each of the five C's relates to evaluating risks in credit transactions, including willingness and ability to pay, financial status, industry conditions, available collateral, and other factors that influence the risk of non-payment. The document was presented by Fahad Zafar and provides his contact information for any questions.
This document discusses credit analysis and financial distress prediction. It covers key topics including why firms use debt financing, potential downsides of debt financing, and differences in debt financing practices internationally. It also describes the credit analysis process in private debt markets, including conducting financial analysis and assembling loan structures. Methods of predicting financial distress like Altman's Z-score model are also discussed.
The document outlines GWS Personal CFO's client-centric value proposition known as C.A.R.E., which stands for Communication, Accessibility, Review/Re-Balance, and Education. It provides Amrish Patel's contact information and describes GWS Personal CFO's services which include managing both assets and liabilities for individuals and businesses through financial planning, investment strategies, business planning, real estate, insurance, benefits, estate planning, and more.
Convertible debt financing involves providing a company with a loan that can later be converted to equity shares in the company. It is commonly used as a "bridge" between equity funding rounds. Key aspects of convertible debt include interest rates of 6-10%, conversion discounts of 15-25% off the price of future rounds, and automatic or optional conversion upon certain triggers like new funding rounds or maturity of the debt. While simpler than equity deals in some ways, convertible debt agreements can also become complex with additional terms governing stock rights, board seats, and valuation caps. Both entrepreneurs and investors face pros and cons from using convertible debt versus traditional equity.
2009 northwest growth financing conference presentationsFranz von Bradsky
This document summarizes discussions from the 2009 Northwest Growth Financing Conference. It includes summaries of panels on financing rapidly growing companies, trends in the senior debt market and availability of credit, and mezzanine/subordinated debt as an option for company financing. Individual panels discuss CEO experiences financing growth, effects of the frozen credit markets, and details of specific mezzanine funds and their investment strategies.
This document provides an overview of key parties and concepts involved in municipal bond issuance. It discusses potential conflicts of interest, differences between bonds and loans, bond structures and types, peculiarities of the municipal bond market, and effective borrowing strategies for issuers. Key recommendations include hiring independent advisors, maintaining transparency with investors, and taking a long-term strategic approach to debt management.
A credit rating is an evaluation of how likely a business or government is to pay back debt, conducted by a credit rating agency. There are international, national, and other types of ratings that provide benefits to investors, rated companies, and intermediaries, but ratings also have disadvantages like potential bias, not reflecting changing conditions, and differing between agencies.
The document discusses various options for business finance including debt, equity, and government funding schemes. It outlines the main differences between debt and equity, and notes that financing should be driven by business strategy rather than the other way around. Specific financing options covered include bank loans and overdrafts, asset finance, factoring, the Enterprise Finance Guarantee, and regional funding schemes. Requirements for obtaining debt financing like financial viability, security, and track record are also summarized. The document concludes that successful fundraising depends on having a clear business strategy, well-prepared business plan and forecasts, and negotiating terms.
02 Mar 10 - Business finance options seminar - the choices simplified
A seminar looking at the building blocks of business finance and helping to unravel the jargon.
Speaker: Mike Stutter
It is likely many of your financing sources have either tightened their credit standards or put a freeze on new transactions as they assess the impact the pandemic will have on their portfolios.
Meanwhile, your distributor clients need funding NOW to meet the continuing demand for their products.
Versant Funding's non-recourse accounts receivable factoring can provide vital working capital to Distributors which do not meet traditional commercial lending parameters but have good-quality accounts receivable outstanding.
A credit rating is an evaluation of how likely a company or government is to pay back debt, conducted by credit rating agencies. The document discusses the types of credit ratings, advantages like benefits to investors and rated companies, and disadvantages such as potential bias, static nature not reflecting temporary conditions, and different ratings from multiple agencies.
This document discusses various sources of capital and funding options for small businesses. It defines capital and outlines two main ways to acquire it: earning it or borrowing it. The document then summarizes various funding options for starting a business, funding growth and expansion, and borrowing versus self-funding. It also discusses other ways to speed up access to capital and provides an overview of lines of credit, business credit cards, term loans, and real estate-secured loans, including their key characteristics, pros, and cons. The presenter emphasizes that small businesses may use credit to support operations but that self-funding is usually best and stresses the importance of establishing relationships with good resource partners.
This document summarizes an advisory board meeting to create an investor-driven agenda. It thanks the advisory board members for their time and input. It then provides an agenda for the two-day meeting, which includes panels on the global economy, the state of the hedge fund industry, best practices for risk management, and achieving non-correlated returns. The agenda also lists the panelists and moderators for each session.
The document provides an overview of the X 430.611 credit course, which covers commercial, personal, and global credit from macroeconomic and firm-level perspectives. The course examines various credit instruments and markets, credit decisions, bubbles and crises, and more. It presents sample class content on topics like the importance of credit, capital structure, loan types, money markets, bonds, credit ratings, and credit derivatives.
Debt & Equity-Financing The Deal Considerations & TrendsTony Wayne
This document summarizes considerations for debt and equity financing deals. It discusses factors that influence financing options like size of the deal, quality of earnings, and market conditions. It also outlines various financing sources and structures including loans, SBA financing, asset-based lending, mezzanine debt, equity, and special situation deals. Key trends are increasing leverage, covenant-light debt, and more creative financing structures. The presentation provides an overview of the current environment for structuring acquisition and restructuring deals.
Information on the five C's of credit, bankruptcy proceedings, credit policy, credit investigations, credit fraud, credit decisions, customer visits, the sales department, and the vredit department.
Mezzanine finance sits between senior debt and equity in a company's capital structure. It can take the form of subordinated debt or preferred equity. Subordinated debt typically has a yield of 12-17% consisting of a current coupon of 10-12% plus additional paid-in-kind interest or equity warrants. Preferred equity has an even higher risk but yield of 20-24% paid as PIK dividends plus warrants. Mezzanine financing allows companies to take on more leverage than with senior debt alone, with the mezzanine investor positioned ahead of common equity but below senior lenders in the capital structure.
This document discusses the five C's of risk assessment: Character, Capacity, Capital, Conditions, and Collateral. It provides details on how each of the five C's relates to evaluating risks in credit transactions, including willingness and ability to pay, financial status, industry conditions, available collateral, and other factors that influence the risk of non-payment. The document was presented by Fahad Zafar and provides his contact information for any questions.
This document discusses credit analysis and financial distress prediction. It covers key topics including why firms use debt financing, potential downsides of debt financing, and differences in debt financing practices internationally. It also describes the credit analysis process in private debt markets, including conducting financial analysis and assembling loan structures. Methods of predicting financial distress like Altman's Z-score model are also discussed.
The document outlines GWS Personal CFO's client-centric value proposition known as C.A.R.E., which stands for Communication, Accessibility, Review/Re-Balance, and Education. It provides Amrish Patel's contact information and describes GWS Personal CFO's services which include managing both assets and liabilities for individuals and businesses through financial planning, investment strategies, business planning, real estate, insurance, benefits, estate planning, and more.
Convertible debt financing involves providing a company with a loan that can later be converted to equity shares in the company. It is commonly used as a "bridge" between equity funding rounds. Key aspects of convertible debt include interest rates of 6-10%, conversion discounts of 15-25% off the price of future rounds, and automatic or optional conversion upon certain triggers like new funding rounds or maturity of the debt. While simpler than equity deals in some ways, convertible debt agreements can also become complex with additional terms governing stock rights, board seats, and valuation caps. Both entrepreneurs and investors face pros and cons from using convertible debt versus traditional equity.
2009 northwest growth financing conference presentationsFranz von Bradsky
This document summarizes discussions from the 2009 Northwest Growth Financing Conference. It includes summaries of panels on financing rapidly growing companies, trends in the senior debt market and availability of credit, and mezzanine/subordinated debt as an option for company financing. Individual panels discuss CEO experiences financing growth, effects of the frozen credit markets, and details of specific mezzanine funds and their investment strategies.
This document provides an overview of key parties and concepts involved in municipal bond issuance. It discusses potential conflicts of interest, differences between bonds and loans, bond structures and types, peculiarities of the municipal bond market, and effective borrowing strategies for issuers. Key recommendations include hiring independent advisors, maintaining transparency with investors, and taking a long-term strategic approach to debt management.
A credit rating is an evaluation of how likely a business or government is to pay back debt, conducted by a credit rating agency. There are international, national, and other types of ratings that provide benefits to investors, rated companies, and intermediaries, but ratings also have disadvantages like potential bias, not reflecting changing conditions, and differing between agencies.
The document discusses various options for business finance including debt, equity, and government funding schemes. It outlines the main differences between debt and equity, and notes that financing should be driven by business strategy rather than the other way around. Specific financing options covered include bank loans and overdrafts, asset finance, factoring, the Enterprise Finance Guarantee, and regional funding schemes. Requirements for obtaining debt financing like financial viability, security, and track record are also summarized. The document concludes that successful fundraising depends on having a clear business strategy, well-prepared business plan and forecasts, and negotiating terms.
02 Mar 10 - Business finance options seminar - the choices simplified
A seminar looking at the building blocks of business finance and helping to unravel the jargon.
Speaker: Mike Stutter
It is likely many of your financing sources have either tightened their credit standards or put a freeze on new transactions as they assess the impact the pandemic will have on their portfolios.
Meanwhile, your distributor clients need funding NOW to meet the continuing demand for their products.
Versant Funding's non-recourse accounts receivable factoring can provide vital working capital to Distributors which do not meet traditional commercial lending parameters but have good-quality accounts receivable outstanding.
A credit rating is an evaluation of how likely a company or government is to pay back debt, conducted by credit rating agencies. The document discusses the types of credit ratings, advantages like benefits to investors and rated companies, and disadvantages such as potential bias, static nature not reflecting temporary conditions, and different ratings from multiple agencies.
This document discusses various sources of capital and funding options for small businesses. It defines capital and outlines two main ways to acquire it: earning it or borrowing it. The document then summarizes various funding options for starting a business, funding growth and expansion, and borrowing versus self-funding. It also discusses other ways to speed up access to capital and provides an overview of lines of credit, business credit cards, term loans, and real estate-secured loans, including their key characteristics, pros, and cons. The presenter emphasizes that small businesses may use credit to support operations but that self-funding is usually best and stresses the importance of establishing relationships with good resource partners.
This document summarizes an advisory board meeting to create an investor-driven agenda. It thanks the advisory board members for their time and input. It then provides an agenda for the two-day meeting, which includes panels on the global economy, the state of the hedge fund industry, best practices for risk management, and achieving non-correlated returns. The agenda also lists the panelists and moderators for each session.
The document provides an overview of the X 430.611 credit course, which covers commercial, personal, and global credit from macroeconomic and firm-level perspectives. The course examines various credit instruments and markets, credit decisions, bubbles and crises, and more. It presents sample class content on topics like the importance of credit, capital structure, loan types, money markets, bonds, credit ratings, and credit derivatives.
This document provides an overview of the X 430.611 course on credit markets. The course will cover macroeconomic and microeconomic aspects of credit, including various credit instruments, markets, and firm-level and consumer credit decisions. It will examine bubbles, bank runs, liquidity crises and defaults from both market and individual perspectives. The slides that follow provide examples of class content, including the importance of credit, capital structures, how credit is priced based on risk, and mechanisms like securitization that distribute credit risk. The course also examines the dark side of debt through topics like how leverage can inflate bubbles and how excessive leverage can distort the economy.
This investor presentation describes two investment funds, the Small Business Fund of America and the SM Equity Fund, that provide financing to small businesses. The Small Business Fund makes secured loans to established small businesses, while the SM Equity Fund takes equity stakes in early-stage companies. The presentation provides details on the types of businesses each fund invests in, expected returns, risks, and fees. It also introduces the fund managers and describes the company's referral network and process for originating small business investments.
Bonanza Corporate Solutions Pvt. Ltd. is an Indian financial services firm that provides corporate fundraising, mergers and acquisitions advisory, and strategic consulting services. It has offices in major Indian cities including Mumbai, Delhi, Ahmedabad, Bangalore, and Jaipur. The company assists corporate clients in raising debt financing, private equity placements, M&A transactions, and other strategic services. It is managed by a team of experienced professionals with expertise in investment banking, private equity, and capital markets.
Banks want to see 13-week cash flow forecasts, current financial statements including balance sheets, income statements and cash flow statements, and a turnaround plan with defined milestones and metrics. They want clarity on the issues, full disclosure of financials, and solutions or plans from management rather than just problems. Banks are looking for signs the borrower has "skin in the game" through things like owner capital infusions. Providing these tools and transparency can help banks understand the situation and be more supportive for troubled borrowers.
Just Plans Etc is a fee-only wealth management firm founded in 1983 that provides financial planning and investment advisory services to over 100 clients. The firm specializes in tax-efficient investing and helping investors realize value from various equity holdings. Founder Jim Ellman and Barry Mendelson together have over 50 years of experience in growing, managing, and protecting clients' wealth. The firm provides comprehensive wealth management services including investment management, financial planning, retirement planning, and estate planning using primarily low-cost mutual funds and ETFs.
Growth stage technology venture financing venture debt - dec 2010 - david l...Dave Litwiller
This document discusses venture debt, which provides secured debt financing to venture capital-backed companies. The main purposes of venture debt for growth-stage companies are to defer additional equity financing, build cash reserves, and act as a final bridge to self-sustaining cash flow. Venture lenders typically seek mid-to-high teens annual returns plus warrants. They contrast with venture capitalists, who seek higher returns but tolerate more failures. While venture capitalists generally do not provide debt to their portfolio companies directly due to conflicts, they may be okay with venture debt being involved. Key due diligence considerations for lenders include a company's execution track record and the likelihood of future equity financing.
The document is a presentation about FDIC notes from failed or troubled banks. It provides an overview of the US economic environment and reasons for FDIC involvement. It defines failed banks, notes, and performing vs. non-performing notes. It also offers tips for successfully transacting notes, including connecting with advisors, understanding terminology, and protecting capital. The presentation aims to educate viewers on acquiring and selling notes from the FDIC resolution process.
The document discusses the evolution of the role of underwriters from the 1980s to present. It describes how underwriting standards became loosened during periods of bubbles like the commercial real estate and dot-com booms, contributing to financial crises. In response, there has been a push to return to fundamentals of strict underwriting and risk management. The role of underwriters has evolved from general commercial lenders to specialized roles with underwriters leading deal teams to balance business interests and prudent credit standards.
One of the harder decisions to make before entering into an acquisition is assessing the value (vs price) of an acquirer's shares when common shares are the primary consideration paid to sellers. Obviously this is true when the acquirer is public, but also it is an issue that should be vetted when the acquirer is an SEC registrant.
Pyatt Broadmark Real Estate Fund I Presentation Oct 2015Alan Chu
This document provides an overview of the Pyatt Broadmark Real Estate Lending Fund I (PBRELF I). PBRELF I invests in short-term, first lien loans secured by real estate projects in the Pacific Northwest. The goal is to provide high-yield returns while minimizing risk. PBRELF I has $136.4 million in assets under management. It offers diversification, consistent performance, and monthly distributions to investors.
Asset managers face pressure to quickly process borrower requests like secondary financing, ground leases, and SNDAs. A panel discussed these common requests from the perspectives of stakeholders to better understand the motivations, expectations, and pressures of each party. The panel included representatives from Freddie Mac, a real estate capital firm, and a real estate consulting company to provide different stakeholder views.
This document discusses access to finance and investment readiness. It outlines different types of finance including equity, debt, and grants. It notes that only 6% of private equity is invested in startups and success rates for equity funding are low. The document discusses what equity investors look for in potential investments like strong teams, compelling business models, and growth potential. It provides examples of sources of funding including venture capital, banks, crowdfunding, and government programs. Key steps in the funding process like managing costs and due diligence are covered. Common mistakes made by companies seeking funding are also outlined.
Just Plans Etc is a fee-only wealth management firm founded in 1983 that provides financial planning and investment advisory services to over 100 clients. The firm specializes in tax-efficient investing and helping investors realize value from retirement plans and stock positions. Jim Ellman and Barry Mendelson have over 50 years of combined experience in growing, managing, and protecting clients' wealth. The firm utilizes Charles Schwab for custody of assets and provides access to investments 24/7.
Just Plans Etc is a fee-only wealth management firm founded in 1983 that provides financial planning and investment advisory services to over 100 clients. The firm specializes in tax-efficient investing and helping investors realize value from retirement plans and stock positions. Jim Ellman and Barry Mendelson have over 50 years of combined experience in growing, managing, and protecting clients' wealth. The firm utilizes Charles Schwab for custody of assets and provides access to investments 24/7.
Similar to Alternative Sources of Capital - Chris James (20)
This document outlines 5 keys to profitability for flooring dealers: 1) timely billing and monitoring unbilled jobs, 2) reviewing aging reports weekly and ensuring accounts receivable collection is a priority, 3) taking all available cash discounts to gain an effective 36% annual return, 4) implementing variable compensation tied to job performance, and 5) conducting monthly breakeven analysis and job review meetings to monitor business performance. The owner must set the tone for an accurate and timely accounting process, which may require an experienced CFO.
The document provides information for those interested in becoming an entrepreneur, outlining the pros and cons of being an entrepreneur such as the ability to be your own boss but also having no regular paycheck. It discusses options for generating business such as becoming a franchisee, purchasing an existing business, or starting your own business and offers suggestions for financing a new business venture. The document aims to help those considering entrepreneurship by sharing insights and strategies for becoming a successful business owner.
This document discusses various sales compensation strategies, including types of commission plans, factors considered in compensation, and examples of calculating compensation. It describes common salesperson duties and provides examples of commission plans based on sales dollars, gross margin dollars, and monthly payment calculations. The document also discusses budgeting for a gross margin compensation plan.
This document provides an overview of B2B CFO®, a company that offers part-time CFO services to privately-held companies with $1-70M in annual sales. It discusses Doug Smith's background and experience. It also covers key topics like the importance of cash flow, how to interpret financial reports, forecasting cash needs, and strategies for improving a company's cash position such as managing accounts receivable, inventory, and accounts payable. Examples are given to illustrate cash flow timing differences and how to actively work on improving days sales outstanding.
Business Exit, The Owner's Perspective - Doug SmithB2B CFO
This presentation discusses business exits from the owner's perspective. It provides an overview of exit options such as selling to an outsider, management buyouts, and employee stock ownership plans. The document discusses why owners exit their businesses and why buyers acquire companies. It also covers financial and mental readiness for an exit, determining a business's value, transaction advisors, exit planning, increasing business value prior to an exit, and exit paperwork. The overall message is that owners should start exit planning now to have a well-thought out succession plan.
Budgets are a Four Letter Word - Chris JamesB2B CFO
This document discusses the importance of budgeting for businesses. It notes that businesses often go through four stages: infrastructure creation, infrastructure peak, outgrowth, and the "danger zone." During outgrowth, the needs of business owners (called "Finders") change and they need to shift their focus from the past to the future using tools like budgets, cash flow visibility, and strategic planning. Without proper budgeting and financial management during outgrowth, businesses can enter the "danger zone" where cash needs exceed available cash, potentially leading to business failure. The document advocates for Finders to surround themselves with financial experts, implement budgets and forecasts, and focus on their core role of generating new business while leaving financial management to others.
The document discusses the importance of cash flow and infrastructure for businesses. It outlines 4 stages of a company's cash flow from infrastructure creation to potential outgrowth issues. The final sections provide advice on avoiding the "danger zone" of having cash needs exceed available cash through proper planning, reporting, and focusing on sales generation rather than day-to-day operations.
Kenn Saddler, a B2B CFO partner, talks to 'The Alternative Board' about the importance of cash flow in operating a business. As Ken says, "It's all about the cash."
Digital Marketing with a Focus on Sustainabilitysssourabhsharma
Digital Marketing best practices including influencer marketing, content creators, and omnichannel marketing for Sustainable Brands at the Sustainable Cosmetics Summit 2024 in New York
Understanding User Needs and Satisfying ThemAggregage
https://www.productmanagementtoday.com/frs/26903918/understanding-user-needs-and-satisfying-them
We know we want to create products which our customers find to be valuable. Whether we label it as customer-centric or product-led depends on how long we've been doing product management. There are three challenges we face when doing this. The obvious challenge is figuring out what our users need; the non-obvious challenges are in creating a shared understanding of those needs and in sensing if what we're doing is meeting those needs.
In this webinar, we won't focus on the research methods for discovering user-needs. We will focus on synthesis of the needs we discover, communication and alignment tools, and how we operationalize addressing those needs.
Industry expert Scott Sehlhorst will:
• Introduce a taxonomy for user goals with real world examples
• Present the Onion Diagram, a tool for contextualizing task-level goals
• Illustrate how customer journey maps capture activity-level and task-level goals
• Demonstrate the best approach to selection and prioritization of user-goals to address
• Highlight the crucial benchmarks, observable changes, in ensuring fulfillment of customer needs
Taurus Zodiac Sign: Unveiling the Traits, Dates, and Horoscope Insights of th...my Pandit
Dive into the steadfast world of the Taurus Zodiac Sign. Discover the grounded, stable, and logical nature of Taurus individuals, and explore their key personality traits, important dates, and horoscope insights. Learn how the determination and patience of the Taurus sign make them the rock-steady achievers and anchors of the zodiac.
[To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
This presentation is a curated compilation of PowerPoint diagrams and templates designed to illustrate 20 different digital transformation frameworks and models. These frameworks are based on recent industry trends and best practices, ensuring that the content remains relevant and up-to-date.
Key highlights include Microsoft's Digital Transformation Framework, which focuses on driving innovation and efficiency, and McKinsey's Ten Guiding Principles, which provide strategic insights for successful digital transformation. Additionally, Forrester's framework emphasizes enhancing customer experiences and modernizing IT infrastructure, while IDC's MaturityScape helps assess and develop organizational digital maturity. MIT's framework explores cutting-edge strategies for achieving digital success.
These materials are perfect for enhancing your business or classroom presentations, offering visual aids to supplement your insights. Please note that while comprehensive, these slides are intended as supplementary resources and may not be complete for standalone instructional purposes.
Frameworks/Models included:
Microsoft’s Digital Transformation Framework
McKinsey’s Ten Guiding Principles of Digital Transformation
Forrester’s Digital Transformation Framework
IDC’s Digital Transformation MaturityScape
MIT’s Digital Transformation Framework
Gartner’s Digital Transformation Framework
Accenture’s Digital Strategy & Enterprise Frameworks
Deloitte’s Digital Industrial Transformation Framework
Capgemini’s Digital Transformation Framework
PwC’s Digital Transformation Framework
Cisco’s Digital Transformation Framework
Cognizant’s Digital Transformation Framework
DXC Technology’s Digital Transformation Framework
The BCG Strategy Palette
McKinsey’s Digital Transformation Framework
Digital Transformation Compass
Four Levels of Digital Maturity
Design Thinking Framework
Business Model Canvas
Customer Journey Map
Storytelling is an incredibly valuable tool to share data and information. To get the most impact from stories there are a number of key ingredients. These are based on science and human nature. Using these elements in a story you can deliver information impactfully, ensure action and drive change.
Brian Fitzsimmons on the Business Strategy and Content Flywheel of Barstool S...Neil Horowitz
On episode 272 of the Digital and Social Media Sports Podcast, Neil chatted with Brian Fitzsimmons, Director of Licensing and Business Development for Barstool Sports.
What follows is a collection of snippets from the podcast. To hear the full interview and more, check out the podcast on all podcast platforms and at www.dsmsports.net
Anny Serafina Love - Letter of Recommendation by Kellen Harkins, MS.AnnySerafinaLove
This letter, written by Kellen Harkins, Course Director at Full Sail University, commends Anny Love's exemplary performance in the Video Sharing Platforms class. It highlights her dedication, willingness to challenge herself, and exceptional skills in production, editing, and marketing across various video platforms like YouTube, TikTok, and Instagram.
Zodiac Signs and Food Preferences_ What Your Sign Says About Your Tastemy Pandit
Know what your zodiac sign says about your taste in food! Explore how the 12 zodiac signs influence your culinary preferences with insights from MyPandit. Dive into astrology and flavors!
At Techbox Square, in Singapore, we're not just creative web designers and developers, we're the driving force behind your brand identity. Contact us today.
Top mailing list providers in the USA.pptxJeremyPeirce1
Discover the top mailing list providers in the USA, offering targeted lists, segmentation, and analytics to optimize your marketing campaigns and drive engagement.
HOW TO START UP A COMPANY A STEP-BY-STEP GUIDE.pdf46adnanshahzad
How to Start Up a Company: A Step-by-Step Guide Starting a company is an exciting adventure that combines creativity, strategy, and hard work. It can seem overwhelming at first, but with the right guidance, anyone can transform a great idea into a successful business. Let's dive into how to start up a company, from the initial spark of an idea to securing funding and launching your startup.
Introduction
Have you ever dreamed of turning your innovative idea into a thriving business? Starting a company involves numerous steps and decisions, but don't worry—we're here to help. Whether you're exploring how to start a startup company or wondering how to start up a small business, this guide will walk you through the process, step by step.
How to Implement a Strategy: Transform Your Strategy with BSC Designer's Comp...Aleksey Savkin
The Strategy Implementation System offers a structured approach to translating stakeholder needs into actionable strategies using high-level and low-level scorecards. It involves stakeholder analysis, strategy decomposition, adoption of strategic frameworks like Balanced Scorecard or OKR, and alignment of goals, initiatives, and KPIs.
Key Components:
- Stakeholder Analysis
- Strategy Decomposition
- Adoption of Business Frameworks
- Goal Setting
- Initiatives and Action Plans
- KPIs and Performance Metrics
- Learning and Adaptation
- Alignment and Cascading of Scorecards
Benefits:
- Systematic strategy formulation and execution.
- Framework flexibility and automation.
- Enhanced alignment and strategic focus across the organization.
How to Implement a Strategy: Transform Your Strategy with BSC Designer's Comp...
Alternative Sources of Capital - Chris James
1. TAB Luncheon
Alternative Sources of Capital - Outline
What is a CFO?
What is important to Every Source of Capital?
Capital Structure – Different Forms – See Handout
Our Panel
2. TAB Luncheon
What is Important to Every Source?
Does the Owner have independent advisors?
Ability to communicate effectively the Company’s Financial Condition – History
and Forecast.
Quality of Statements are important as well as validation.
Does the owner understand its financial condition
Need to show the investor/lender a return or ability to pay back the loan.
Collateral is key
Risk and Return
3. TAB Luncheon
Examples of Capital Structure
Equity – Part Owner
Angel Funding
Venture Capital
Debt – The more risk, the higher interest
Factoring
Mezzanine
Leasing
Bank Loan
Bank Loan with Government guarantee
4. TAB Luncheon
Our Panel
Moderator - Chris James, B2B CFO ®
General Bank Loan - Mack Davis, Capital One
General SBA Loan - Wayne Huddleston, TSBC
Angel Capital Investment - Mike Bartlett, NTAN
Factoring of AR - Kirby Kercheval, KD Factors
SBA 504 Loan - Bob Whitehead, GTCC