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Capital Acquisition: Small Business Considerations for How to Get Financing

Book by Hendrith Vanlon Smith Jr · 16 quotes · Lending, Business Loans, Hendrith Smith

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Capital Acquisition: Small Business Considerations for How to Get Financing Quotes

“A persons trustworthiness in one area of life may not necessarily transfer over to their trustworthiness as a borrower. And a business that can be trusted to do the right thing for its customers may not necessarily be a business that can be trusted to do the right thing for its creditors.”

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“Companies should embrace data-driven decision-making because it enables them to make informed decisions based on concrete evidence rather than speculation, leading to more efficient operations, better strategies, and improved competitiveness in today's data-rich business environment.”

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“The infamous Debt-To-Income ratio is the standard formula most lenders use to determine a potential borrowers capacity. Lenders calculate this by adding up a borrower’s total monthly debt payments and dividing that by the borrowers gross monthly income.”

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“It’s ironic perhaps – but no one wants to lend money to someone or something that has no money or no monetary worth. You wouldn’t plant a seed on barren ground – you plant a seed where there’s already a wealth of resources sufficient to cultivate the seed. It could be a tiny bit of soil in a pot, or the expanse of your front yard. But you’re going to make sure the seed has enough soil to put down roots and a quality of soil that facilitates growth.”

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“Currency risk is a consideration in international corporate lending, given fluctuating exchange rates. It represents another set of costs and risks that lenders have to consider when lending internationally.”

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“Corporate lenders play a vital role in supporting economic growth by providing capital to businesses. Without corporate lenders, the ability and rate at which businesses are able to grow would likely be considerably less.”

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“Every business needs capital. Whether we’re talking about a barbershop or a bank, a boutique e-commerce store or a hotdog stand. Whether we’re talking about a restaurant or a clothing store, a giant like Walmart, or the local bodega that’s owned by a local family. They all need capital.”

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“The more trustworthy a borrower is, the greater the likelihood that they will return the money lent to them back to the lender with interest. This is why lenders of every kind and size, place a high priority on the character of potential borrowers – it is one of the five key determining factors as to the likelihood of the lender receiving their money back with interest.”

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