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As the latest Federal Reserve Survey reveals, most Banks have yet to unwind their restrictions on business lending. Recommend Factoring to your clients with commercial accounts receivable on their books. Factoring can help them remain liquid until credit becomes more readily available. ______________________________

Empresariales Economía y finanzas

$The latest survey indicated that commercial banks generally have yet to unwind the considerable tightening that has occurred over the past two years. For many major loan categories covered by the survey, the net percentages of respondents that tightened standards in the fourth quarter of 2009 were close to zero. However, banks continued to tighten a number of terms on loans to businesses. Large net fractions of respondents further tightened their CRE lending credit standards during the final quarter of last year. In addition, banks reported that they had tightened terms on CRE loans substantially over the past year. For More Information on Factoring Chris Lehnes 203-493-1663 clehnes@VersantFunding.com$

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Peer-to-peer lending companies provide online platforms that can quickly pair borrowers seeking a loan with investors willing to fund the loan at an attractive rate. Since these loans are unsecured and companies creating the market generally do not invest their own capital, neither borrowers nor companies assume any risk. Entire credit risk is born by investors. Literature shows that credit risk depends upon borrower characteristics, loan terms and regional macroeconomic factors. To help investors identify unsecured loans likely to be fully paid, a machine learning algorithm was developed to forecast probability of full payment and probability of default. Training and input data consisted of historic loans’ data from Lending Club and state level macroeconomic data from government and organizational sources. A logistic regression was shown to provide optimal results, effectively sequestering high risk loans. Team Members: Archange Giscard Destine ad1373@georgetown.edu linkedin.com/in/agdestine Steven L. Lerner sll93@georgetown.edu linkedin.com/in/sllerner Erblin Mehmetaj em1109@georgetown.edu www.linkedin.com/in/erblinmehmetaj Hetal Shah hrs41@georgetown.edu linkedin.com/in/hetalshah

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US Retail Banks have enjoyed several years of strong profitability and positive revenue growth. However, we see numerous headwinds to growth due to demographic, competitive, and consumer trends. While many of these trends will persist well into the future, 2019 will be a pivotal year. The attached white paper provides insights into the growth challenge and creative solutions for banks can act to accelerate their growth.

Retail Banking Growth Challenges and Creative Solutions

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With credit availability remaining tight following the financial crisis, banks and corporations alike are more attuned to the financing opportunities available linked to supply chain transactions. With the transparency of trade transactions and the link between funding and trade activities, Supply Chain Finance (SCF) lessens the risk associated with traditional lending. Electronic invoicing, presentment and payment (EIPP) systems can amplify the many benefits of Supply Chain Finance by automating a process that traditionally has been hampered by slow, paper-based manual methods. The Supply Chain Finance market in the UK alone grew from about £100 million 2008 to £1Bn in 2010, with the growth expected to continue through 2011. This paper looks at how the continuing growth of E-Invoicing can enable and facilitate the Supply Chain Finance market - and how financing can be a key driver for adopting E-Invoicing

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The success of nearly every business is dependent on its supply chain. Whether a neighborhood restaurant securing fresh produce from a local farmers market in time for tonight’s menu or a high-tech manufacturer which procures microchips from Asia ordered months in advance, a business will quickly fail if it is unable to reliably obtain the components of their product in time to meet their customers’ expectations. There are myriad conditions which can disrupt that supply chain. Some of which can be as isolated as local traffic delaying a delivery truck on the last mile of its journey or as far-reaching as a natural disaster which can close ports or destroy the facility of key supplier causing a disruption which may require a business owner to rethink how it acquires its inventory going forward. Over time, to reduce costs and increase efficiency, the links in many supply chains have become increasingly specialized. This customization has resulted in their rigidity. A supplier of one specific component can often not readily adapt to supply others. During the (hopefully) once-in-a-generation supply chain disruptions brought on the COVID-19 pandemic, many were surprised to learn that the factory which produces toilet paper for sale to commercial property managers cannot easily adapt and package their product for consumers, or the meatpacking plant which can cut and package chicken for bulk sale to restaurants has no simple way to prepare that same poultry for sale to supermarket shoppers. This inflexibility can at times result in a business having fewer options to fill an unexpected gap in their supply chain, putting suppliers in a powerful position to place, at times, onerous demands on their customers. Those demands can severely disrupt a business. Knowing substitutions for their product are limited, suppliers may prioritize their top customers, making it harder for smaller customers to procure necessary components. In other cases, suppliers may require large deposits with orders or refuse to offer payment terms at all to customers, insisting upon payment up-front with a purchase order. These payment conditions will create a demand for cash earlier in a company’s production cycle. This demand can be met in a few ways. If the business is highly profitable, it may generate sufficient cash from operations to satisfy this cash needs. In other cases, a business will have access to a line of credit from their bank or an asset-based credit facility from a non-bank lender to meet these cash needs as they arise. However, most readers of this publication tend to have clients who are not flush with cash or those which may have a lender in place today who is no longer comfortable with the performance of the business and is reducing the size of their credit facility or pressuring them to find a funding alternative. For those clients, factoring may be their best option to meet the cash flow challenges presented by their supply chain.

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Chris Lehnes

Factoring can often meet the working capital needs of businesses which have been declined by a bank. Our underwriting approach ignores the financial condition of our client and focuses on the strength of the customer base. Proposals can be issued in 24 hours. Funding as quickly as a week from acceptance of our proposal. Keep in mind as an option for manufacturers, distributors or most service businesses with strong customers. Contact me today to learn if your client is a fit. clehnes@VersantFunding.com 203-664-1535 #workingcapital #smallbusinesslending #factoring

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Businesses in broad array of industries with good quality receivables including Manufacturers Distributors Service Businesses Project Financing Business Growth Financing, Business Acquisition Financing Bridge Financing Financing Working Capital Needs Realization of Supplier Discounts Crisis Management Debtor-In-Possession (DIP) Financing Usually between 1.5%-2.5% for each month that account receivable is outstanding. No other fees charged either on the dollars outstanding or for the facility

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In an era where change is the only constant, the internal audit landscape continues to evolve at a rapid pace. As professionals committed to upholding the highest standards of ethics, governance, and risk management, it's crucial to stay abreast of these changes. This year marks a pivotal moment in this journey with the release of the 2024 Global Internal Audit Standards by The Institute of Internal Auditors (IIA). These newly updated standards are not just a set of guidelines; they are a beacon that guides internal auditors through the complexities of modern business environments. They reflect a deep understanding of the challenges and opportunities faced by auditors in a world that is increasingly digital, interconnected, and regulated. Stay tuned as I delve deeper into each aspect of these groundbreaking standards. In my upcoming posts, I will be dissecting, summarizing, and offering insights into how these standards can be effectively implemented in various audit scenarios. As we embark on this journey together, I invite you to engage, question, and discuss these standards. Let's explore how they can shape the future of internal auditing.

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Raising capital is a pivotal process for any startup. This document outlines the vital phases every entrepreneur must navigate to transform an idea into a flourishing business. This resource provides a clear, detailed map of the funding landscape, from early angel rounds to the final stages before an IPO. Key Highlights from the Document: 1) Pre-Seed and Seed Funding: These initial stages are crucial for getting your startup off the ground, focusing on proving your concept and building a minimum viable product (MVP). 2) Series A to C Funding: As startups progress, funding rounds grow larger and focus shifts from proving viability to scaling the business, enhancing market share, and possibly even preparing for global expansion. 3) Bridge and Mezzanine Financing: These less common but crucial stages provide the necessary capital to bridge gaps between major funding rounds or prepare for a public offering. 4) IPO: The ultimate goal for many startups, going public opens new avenues for capital and provides liquidity for early investors.

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Yet To Unwind

1. As the latest Federal Reserve Survey reveals, most Banks have yet to unwind their restrictions on business lending. Recommend Factoring to your clients with commercial accounts receivable on their books. Factoring can help them remain liquid until credit becomes more readily available. ______________________________

2. The latest survey indicated that commercial banks generally have yet to unwind the considerable tightening that has occurred over the past two years. For many major loan categories covered by the survey, the net percentages of respondents that tightened standards in the fourth quarter of 2009 were close to zero. However, banks continued to tighten a number of terms on loans to businesses. Large net fractions of respondents further tightened their CRE lending credit standards during the final quarter of last year. In addition, banks reported that they had tightened terms on CRE loans substantially over the past year. For More Information on Factoring Chris Lehnes 203-493-1663 clehnes@VersantFunding.com

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