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Expert Analysis and Bold Thinking for Leaders, Entrepreneurs, and Business Owners

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Merchant Cash Advance
H-E-Double-hockey-sticks

An immediate cash solution for small businesses that can lead to deeper distress.

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STAY ALIVE 'TIL '25
 

Looking through the lens of history to determine what could happen next.

SBA Loan Closing
Strategies During
Economic Volatility

A Presentation Given at the SBA Lender's Training Conference for the UGA SBDC

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Small Business
Turnaround Strategies During
Economic Volatility
-  Business Owner Focused -

A Presentation Given at Webinar Wednesday for the CSUB Small Business Development Center

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Small Business 
Turnaround Strategies During
Economic Volatility
- Consultant Focused -

A Presentation Given at the National Conference for Small Business Development Centers

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All You Zombies
Show Your Faces

As the Fed continues to raise rates, more companies will trigger into "zombie" status, unable to pay their debt coverage without having to borrow more money.

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Someone Somewhere is Not Getting Paid

Tactics distress businesses will use to conserve cash and triage disbursements.

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The Battle Rages
 

The Fed raises interest rates by .25%.

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"CHARLIE DON'T SURF!"
 

Riding a wave through distress.​

Effects From an
Applied Stress Test

Stress Testing for
Margin Compression
During Economic Volatility

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"Pop-Up" Liquidation Strategies
Approved in Bankruptcy Court

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"Pop-Up" Liquidations:​
An Evolution in Effective
Inventory Monetization

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Managing a Small-Chain Retail Liquidation with a
'Controlled Burn'

Co-authored with S. Gregory Hays of Hays Financial Consulting and featured in the Journal of Corporate Renewal. When reality is faced in a timely manner, small-chain retailers have options to ensure maximum recovery during liquidation.

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Stay Ahead of
Appraisals and Liquidations
Across Asset Classes

On a recent Secured Finance Network panel discussion with industry colleagues, Ben Nicholson of Fortis Business Advisors offers insights into opportunities and challenges lenders and business owners face with small-scale liquidations and the evolution into eCommerce.

 

 

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The Elements of a Workout Strategy in a Defaulted SBA Loan

Featured in the Coleman Report. When a small business defaults, it is prudent to ensure SBA SOP 50 57 is followed and feasibility of workout plan is filed. When handled effectively, the due diligence may show that the borrower could possibly recover with minimal loss and collateral damage while returning to regular servicing. 

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Unleash Buried Capital and Cease Leaving Money on the Table in Regional Retail Liquidations

To ensure maximum recovery is achieved in regional retail liquidations and ensure no money is left on the table, it is prudent to follow key performance metrics and carefully consider the benefits of hiring professionals.

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ABL Advisor

What About the Inventory?

The current disruptive retail shifts are challenging the pricing strategies and value of inventory causing conventional business models to shift in order to remain competitive.​

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The Secured Lender

Engineering a Business for Profit: An Effective Measure to Ensure Financial Obligations are Met

When a business is Engineered for Profit, through a controlled cost structure profit becomes a measurable outcome from the operation rather than what is left over after all other expenses have been paid.​

Managing Inventory Turnover - A Key Operational Strategy for Retailers

Featured in the ABL Advisor. Inventory Turnover has become a key operational metric to measure in order for small retailers and inventory-driven businesses to remain competitive with their

larger competitors.

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Break-Even: Controlling Profitability During the
Off-Season

Once break-even is reached, every additional dollar of revenue represents pure profit.

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Maximizing Recoveries in a Windup

In order to maximize recovery during a liquidation and achieve sales-to-inventory cost ratios of 90-110 cents on the cost dollar, it is imperative that retailers cycle through a 3-Phase Approach: Profit - Cost Recovery - Liquidation/Forced Reduction.

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SBA Loan Default:
Stop the Hemorrhaging

Under the guidelines of SBA SOP 50 57, lenders and borrowers can agree to a workout strategy that includes corrective measures in a workout plan that will decrease the chance of denial or repair.

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