2008 Credit Risk Small Businesses 
Your Virtual Credit Manager
FEBRUARY 13, 2024
Historically, business failures increase after a recession. After, the Great Recession of 2008, commercial bankruptcies peaked in 2009 and did not drop below pre-recession levels until 2012. Please feel free to share this newsletter with your small business customers. Here’s more on setting credit limits.
Your Virtual Credit Manager
MARCH 21, 2023
The point is: receivables are an investment that needs to be managed with regard to the inherent risks associated with AR. Failure to deal with those risks is not investing, or managing, but rather simply gambling. Please feel free to share this newsletter with your small business customers.
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Fundera
SEPTEMBER 18, 2018
There are five notable components of a personal credit score. But you might be surprised at some of the lesser-known factors that could affect your score and how they might affect you as a small business owner. How Credit Bureaus Calculate Your Credit Score. Why This Matters for Small Business Owners.
Abrigo
JULY 20, 2024
2004-2008: 82.6% Credit risk : In C&I lending, at least part of the collateral is intangible. The emphasis for commercial credit risk management and evaluation is cash flow, fixed charges coverage, and working capital cycles. What will need to change for solid commercial credit analysis ? 2010-2023: 137.3%
Abrigo
AUGUST 30, 2022
During Abrigo’s Strategies to Growing Your Commercial Loan Portfolio webinar, Newberry posited the following chart to help visualize the calculation: According to Newberry, the first question an institution should ask itself when pricing commercial deals is whether it is a better choice than an investment once credit risk is factored in.
Your Virtual Credit Manager
AUGUST 27, 2024
Whether it’s fair to blame climate change or not, heightened awareness of natural disasters has amplified fears about supply chain disruptions—fears also exacerbated by the Covid-19 pandemic and the near collapse of the financial system in 2008. Do you need help assessing customer credit risks?
Abrigo
JULY 20, 2021
In a recent survey of more than 250 bankers representing banks and credit unions, 61% of respondents said their financial institution plans to maintain or increase SBA loan origination this year and beyond. Offering SBA lending at the institution is a good way to “get in the door” with good credits. Why SBA Lending? 1 and Sept.
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