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This article covers these key topics: What is a loan review worksheet? 5 Benefits of using worksheets Worksheet examples for loan reviewers Utilizing loan review worksheet for consistent analysis Analytical inconsistency is a persistent challenge in the loan review profession, often leading to wildly different approaches across reviewers. Striking the right balance is essentialand a structured tool like the loan review worksheet can help reviewers achieve clarity, consistency, and more meaningf
The Northern Tool Commercial Account program will offer U.S. business buyers 30-day net terms and automated invoicing for managing omnichannel B2B retail payments OVERLAND PARK, Kan., May 7, 2025 TreviPay , the most-trusted B2B payments and invoicing network, today announced its Pay by Invoice program with Northern Tool + Equipment, a major supplier of tools and equipment.
It is a clich of military history that it is easier to start a war than to end one, and the war one starts may not be the war one gets. If recent selloffs in the US Treasury, stock and dollar markets are any indication, this adage may also hold true for trade wars. In my view, the US is facing fiscal and reputational reckonings and changes in fund flows that could be negative for the dollar and other US assets for a period measured in years, not months.
There is no doubt that retirement is one of lifes most significant milestones. Most people dream about it from the moment they get their first paycheck. However, deciding when to retire is important. After all, some people count down the days until early retirement. However, some stay in the workforce well into their sixties or even seventies. The thing is, theres no universal right time to retire.
Your past-due accounts are growing, cash flow is tightening, and the pressure is on. The big question: Do you handle the collections internally or outsource to experts? Both strategies come with advantages and risks - but which one delivers the best impact for your business? In this session we’ll dive deep into the in-house vs. outsourcing debate, examining cost-effectiveness, efficiency, compliance risks, and overall recovery success rates.
Reading Time: 6 minutes In 2025, the business loan origination process is undergoing significant changes. While traditional business loan underwriting has been human-based and reviewed by banking staff, the industry is evolving toward software-driven, automated lending decisions. Small business lending is influenced by a confluence of factors, including technological advancements, regulatory changes, and borrowers seeking funding.
Imagine a physician asking a patient to decipher a complex medical diagnosis and develop their own treatment plan. It sounds absurd, doesnt it? Yet patients are often expected to decode multi-page, jargon-filled bills and somehow pay upon receipt. But what if unpacking the psychology behind patient payment obstacles could help organizations achieve better outcomes for both satisfaction and collections?
Imagine a physician asking a patient to decipher a complex medical diagnosis and develop their own treatment plan. It sounds absurd, doesnt it? Yet patients are often expected to decode multi-page, jargon-filled bills and somehow pay upon receipt. But what if unpacking the psychology behind patient payment obstacles could help organizations achieve better outcomes for both satisfaction and collections?
Last week, AccountingDepartment.com Business Development Representative, Shawn Marcum hit the road and attended the CEO Coaching Make BIG Happen Summit in Miami, FL.
How to develop credit terms and limits that walk the fine line between stimulating growth in your customers, maximizing cash flow, and minimizing risk.
In the rapidly changing B2B commerce space, payment preferences are shifting as buyers demand more convenience and flexibility, while sellers need efficient ways to manage diverse customer segments. Embedded finance the embedding of financial services into non-financial platformspromises to meet these demands, offering a frictionless experience for both buyers and sellers.
Reading Time: 6 minutes The loan origination system has evolved into a critical strategy tool for banks and credit unions to gain a competitive edge in todays digital-first landscape. Recent Market Data Forecast report indicates that in 2024, the global lending origination market reached a valuation of $4.84 billion and North America held a strong 43.7% market share.
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At the time of writing this blog, Molly's cashflow model has been running for nine months and she's become excellent at forecasting, managing and improving her cashflow and her profitability. The post How to build a simple cashflow model and keep it running appeared first on Blue Dot Consulting.
Think its impossible to find the best small business bank in Wyoming that truly gets the states rugged environment? The terrain alonesprawling prairies, towering mountain passescan test even the most. The post The 9 Best Banks for Small Business in Wyoming in 2025 appeared first on North One Blog.
A loan reviewer's perspective on complex credit deals Abrigo Senior Consultant Kent Kirby says he always gravitated toward the messiest, most chaotic credits on the review list during his loan review career. They were challenging like solving a complex puzzle making the work more engaging. Bankers often avoid these kinds of deals because of their complexity, not because theyre inherently bad.
The Consumer Financial Protection Bureau (CFPB) has reversed its position on a high-profile regulation from the Biden administration, by formally joining the credit reporting industry in a legal request to strike down the Medical Debt Rule a regulation that would have prohibited the inclusion of medical debt on consumer credit reports. On Wednesday, April 30 th the CFPB filed a joint motion with Cornerstone Credit Union League and the Consumer Data Industry Association (CDIA) asking the court t
Recent reports indicate the US economy experienced negative growth in the first quarter, creating a stark contrast with the stock markets performance. This economic contraction comes at a time when the S&P 500 has increased for six consecutive days. The current stock market valuation has reached concerning levels. Stocks are now priced at more than 20 times earnings multiples, a threshold that has only been exceeded twice in the past three decades: During the dot-com bubble of the late 1990s
Delighted to share that Chaser has been shortlisted for the Best Use of AI in Fintech award at the Fintech Awards London 2025. This recognition highlights the transformative role of artificial intelligence in reshaping financial workflows, particularly for small and medium-sized enterprises (SMEs).
Can business checking accounts earn interest? Absolutely. Business owners sometimes forget this critical aspect of banking: Its possible to earn meaningful interest on your companys everyday checking balances. Depending on. The post Can Business Checking Accounts Earn Interest? appeared first on North One Blog.
Changes to CECL rules finalized On April 30, the FASB met to revisit and finalize important decisions regarding its proposed changes under CECL for Purchased Financial Assets (PFAs). If youve been following this project, you know its been a journey, but the end is now in sight, and the board made some important calls that community financial institutions (CFIs) need to be aware of.
May 7, 2025 – Lenexa, KS – Today TrueAccord Corp. (TrueAccord), a digital-first debt collection agency that is reinventing the collections experience with the use of machine learning technology to help customers resolve their debts, announced it has acquired Sentry Credit, Inc. (Sentry). Through this strategic acquisition, TrueAccord continues to accelerate its industry-leading growth with an expanded client portfolio and the addition of Sentrys first-party collection and litigation
Mutual funds that track the Nifty Midcap 50 Index are gaining attention as investment vehicles that give investors exposure to mid-sized companies showing strong growth potential. These funds combine several key advantages for investors looking to expand their portfolios beyond large-cap stocks. The Nifty Midcap 50 Index represents a collection of medium-sized Indian companies that sit between small emerging businesses and established large corporations.
Why do businesses borrow money? Types of business financing you can choose from When to get a small business loan or financing 4 signs you need same-day business loans or financing What to keep in mind when youre considering same-day business financing Differences in financing timelines Get the funding your business needs Securing financing is a big decision, whether youre expanding operations or covering unexpected costs.
Youre at the checkout, ready to pay for that new laptop, and, instinctively, you reach for your personal credit card. Easy, right? Sure. But is it smart? If youre freelancing, The post Can You Use a Personal Credit Card for Business? appeared first on North One Blog.
A practical framework built for speed, efficiency & community impact Supporting small businesses in your community while meeting the bank or credit union's expectations around risk and reward demands a well-structured, deliberate small business lending program. Here's how to build one. Key topics covered in this post: Simply offering loans to small businesses doesn't cut it.
TrueAccord is proud to announce that Katie Neill, its General Counsel & Chief Compliance Officer, has been appointed to the Debt Collection Advisory Committee of the California Department of Financial Protection and Innovation (DFPI) for the 2025-2027 term. This board is comprised of seven members who provide feedback to the DFPI for its debt collection licensing program.
The stock market has been tumbling lately, but that doesnt mean your portfolio has to suffer. Ive been watching Steve Chens approach to generating income during market downturns, and his PAID strategy offers a refreshing perspective on how to survive and potentially thrive when stocks are falling. What impresses me most about Chens method is how it transforms market volatility from a threat into an opportunity.
Discover How to Transform B2B Payments, Accelerate Growth and Delight Buyers Download our eBook to learn how Universal Acceptance is revolutionizing B2B commerce. This innovative solution, powered by TreviPay and Mastercard, enables merchants to extend net terms financing, reduce friction in B2B payments and meet the complex demands of todays B2B buyerswith minimal integration.
Starting your own business is one of lifes great adventures. When youre a sole proprietor, every decision you make is deeply personal. From a legal standpoint, the business is you. The post 4 Best Business Credit Cards for Sole Proprietors in 2025 appeared first on North One Blog.
Navigating the complex world of real estate financing can be a daunting task, with countless loan products vying for your attention. Among these, DSCR loans have emerged as a game-changing solution for real estate investors. If you’re wondering what DSCR loans entail and why they’ve become a go-to choice, this guide is here to decode […] The post Understanding DSCR Loans: A Powerful Tool for Real Estate Investors appeared first on JNI Commercial Lending.
During the first quarter of 2025, U.S. truck freight volumes and spending declined overall. According to the U.S. Bank Freight Payment Index , truck freight volume dropped 5.8% quarter-over-quarter and 13.8% year-over-year. Freight spending fell 2.5% from the previous quarter and 8.6% compared to a year earlier. Both sets of metrics are indicative or an economy that is contracting.
Retirement is the culmination of decades of hard work. However, after the initial excitement of having free time wears off, some people may wonder, Now what? At the same time, when retiring from routines, responsibilities, and structured schedules, starting something new can seem more intimidating than liberating. After all, even the most adventurous spirit can be paralyzed by fear of failure, self-doubt, and uncertainty.
In March, a group of CCG folks attended the Mid-America Trucking Show (MATS) in Louisville, KY. Our goals were to learn about the trends from last year and get a preview of whats to come in 2025, for the transportation industry (legally, logistically, and technologically). The Mid-America Trucking Show (MATS) is an annual trade show for transportation industry professionals, including truck drivers.
As the owner of an LLC, you may be wondering if you can get a business credit card. One of the biggest misconceptions surrounding business credit cards is that you. The post How to Choose the Right LLC Credit Card in 2025 appeared first on North One Blog.
One of the wider implications of the proposed tariffs as well as a possible developing world trade war is the likely effect on credit insurance. As yet I haven’t spoken to my very knowledgable credit insurance broker to gauge his take on the market (always accurate) but there is a simple logic here which is partly explained in this rather dry article Tariffs at any level will naturally dampen world trade but that in turn will of course affect businesses that heavily rely on exports.
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