by Al Davis | Apr 13, 2016 | Lending, Banking and Financing
In our last email on banking we discussed the need for a reasonable debt to equity ratio when looking for a loan. While we focused on small to mid-sized companies, companies of all sizes run risks when they become too highly leveraged. A recent Moody’s...
by Al Davis | Mar 30, 2016 | Lending, Banking and Financing
Despite an economic recovery that is well underway, many recovering businesses are still getting turned down for new business loans and loan renewals. Despite the fact that the company shows signs of bouncing back from any recession based problems and...
by Al Davis | Mar 16, 2016 | Lending, Banking and Financing
The effect of what has become a particularly nasty political season is beginning to trickle down to the workplace. Comments of the type that we have seen in our political campaigns are being made to employees in the workplace, and the majority of them have been...
by Al Davis | Mar 2, 2016 | Lending, Banking and Financing
While political candidates bemoan low minimum wages and one candidate for President states: “I love poorly educated people”; there are currently over three million jobs that are going begging in the US. And despite all of the rhetoric about...
by Al Davis | Feb 17, 2016 | Lending, Banking and Financing
There is an interesting and telling TV commercial currently being broadcast. The commercial shows a middle aged man walking off of a sporting field holding the hand of a child. The child is holding a trophy that proudly displays the title “Participant”....
by Al Davis | Feb 3, 2016 | Lending, Banking and Financing
Following the last financial crisis, the focus on the safety and soundness of banks was good for the financial system. New bank liquidity and capital policies, among other things, strengthened a weakened system. The banking system today is stronger, with more...
by Al Davis | Jan 20, 2016 | In Our Experience
A recent article in the New York Times and republished in Seattle outlined the trials and tribulations of Yahoo CEO Marissa Mayer. Hired in 2012, Mayer came from Google where she was known as a brilliant product person and at one point in her career had...
by Al Davis | Jan 6, 2016 | In Our Experience
In the restructuring business, many of our assignments come through referrals. In 2015 we were able to assist a number of companies because a trusted advisor to the CEO or owner suggested that they might need help. However, sometimes that suggestion comes too...
by Al Davis | Dec 16, 2015 | Receiverships and Bankruptcy
In a recent blog, we wrote about the high cost of Chapter 11 bankruptcy for small and mid-sized companies (SME). As we talk with owners and managers of troubled companies, we often hear: “If I can’t work things out, I’ll just declare...
by Al Davis | Dec 2, 2015 | In Our Experience
There have been signs recently that the upcoming holiday season will be difficult for many retail companies. Headlines such as: Nordstrom Inc. Is Down but Not Out Dillard’s Inc. Misses 3Q Earnings: Another Retailer Down the Drain Macy’s, the largest...
