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Expert Author Dave Nighswander's Articles in Business Loans

 
  • Working Capital Is Paramount To A Businesses Livelihood
    All of the planning in the world is an exercise in futility without the working capital to successfully carry out the plan. If a business sells to customers on terms, then working capital availability is dependent on cash flow timing. In most instances a business will incur a cash flow gap between the time cash is required for inventory, payroll and operating expenses, and the time cash is received from customers paying on terms.
  • Working Capital & Cash Flow Solutions: Should I Borrow From A Bank?
    Recently, my newspaper reported that a local bank “... earned a four star excellence rating for the sixty-fourth consecutive quarter.” That’s sixteen years of four star excellence! The article went on to say that the “rating is based on a complex formula that includes …capital safety levels, quality of loan portfolio, and the ability to meet obligations…” The press release was designed to showcase the value of this bank and demonstrate its prominent position in the economy.


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