Lending Quotes

“Never lend books, for no one ever returns them; the only books I have in my library are books that other folks have lent me.”
― Anatole France

“When I get hold of a book I particularly admire, I am so enthusiastic that I loan it to someone who never brings it back.”
― Edgar Watson Howe

“all loans, in the eyes of honest borrowers, must eventually he repaid. All credit is debt. Proposals for an increased volume of credit, therefore, are merely another name for proposals for an increased burden of debt. They would seem considerably less inviting if they were habitually referred to by the second name instead of by the first.”
― Henry Hazlitt, Economics in One Lesson

“Lenders often consider a company's industry, market conditions, and competitive landscape in their risk assessment. Everything matters.”
― Hendrith Vanlon Smith Jr.

“Interest coverage ratio measures a company's ability to pay interest on its outstanding debt. If a company can’t effectively pay interest on its outstanding debt, the likelihood that it can afford new debt is extremely low.”
― Hendrith Vanlon Smith Jr.

“Mezzanine financing combines debt and equity, providing lenders with additional security. If your lender is interested in doing this, just know that’s it’s a way for them to mitigate risk. On the flip side, it may sometimes be smart to come out the gate with this as your offering.”
― Hendrith Vanlon Smith Jr.

“Loan amortization schedules outline how loan payments are allocated between principal and interest. These can make the difference between pays as agreed or default at some future point in time.”
― Hendrith Vanlon Smith Jr.

“Working capital loans help businesses manage day-to-day operational expenses. But it’s really important that cash flow optimization is prioritized in this.”
― Hendrith Vanlon Smith Jr.

“Regulatory compliance is crucial in corporate lending, with financial institutions having to adhere to various laws and guidelines. It represents another set of costs and risks that lenders have to consider.”
― Hendrith Vanlon Smith Jr.

“Commercial lending is a vital component of the financial industry, supporting businesses in achieving their growth and operational goals. Without corporate lenders, the ability and rate at which businesses are able to grow would likely be considerably less.”
― Hendrith Vanlon Smith Jr.

“Interest rate risk management tools, like derivatives, may be utilized to mitigate the impact of fluctuating interest rates on commercial loans.”
― Hendrith Vanlon Smith Jr.

“Loan restructuring may be explored as a collaborative solution between commercial bankers and businesses facing financial challenges. In the event of crises, it may be the best option for everyone.”
― Hendrith Vanlon Smith Jr.

“Refinancing options are considered to optimize a business's financial structure, potentially lowering interest costs and improving overall financial health. But it has to be to the advantage of both the borrower and the lender.”
― Hendrith Vanlon Smith Jr.

“There will always be opportunities at the intersection of risk and predictability.”
― Hendrith Vanlon Smith Jr.

“Municipal bonds finance local government projects, such as schools, roads, and utilities. So there’s a public good aspect to investing in municipalities that isn’t antithetical to equity investing but it’s different.”
― Hendrith Vanlon Smith Jr.

“Bond proceeds contribute to community improvements, enhancing residents' quality of life. Theres a public good aspect there.”
― Hendrith Vanlon Smith Jr.

“Ideas without capital are like seeds without soil. It's capital that turns business potential into business productivity.”
― Hendrith Vanlon Smith Jr.

“Credit risk is a major concern in business lending, and lenders use credit scoring models specific to businesses. As an entrepreneur, you need to have a clear credit and distinct strategy for your business’s credit.”
― Hendrith Vanlon Smith Jr.

“Revolving credit lines allow businesses to borrow, repay, and re-borrow within a specified limit. In terms of managing a business’s cash flow, utilizing revolving credit lines may be a great way to go.”
― Hendrith Vanlon Smith Jr.

“Cash flow analysis helps lenders assess a business's ability to generate sufficient cash to meet debt obligations. In terms of managing your business’s money, free cash flow is a good metric to keep front and center.”
― Hendrith Vanlon Smith Jr.

“Secured loans have collateral, while unsecured loans rely solely on a borrower's creditworthiness. As an entrepreneur, you’re in a stronger position if you have both the creditworthiness piece and the collateral piece.”
― Hendrith Vanlon Smith Jr.

“Bridge loans provide short-term financing until long-term financing is secured. If you’re having trouble getting full financing, try seeking a bridge loan for the time being.”
― Hendrith Vanlon Smith Jr.

“Defaulting on a corporate loan can result in financial penalties and damage the business’s credit. You wanna avoid default by any moral means necessary.”
― Hendrith Vanlon Smith Jr.

“Refinancing involves replacing an existing loan with a new one, often to secure better terms. But it’s a bit of a paradox because to benefit from what may be much needed refinancing, you need to qualify for refinancing.”
― Hendrith Vanlon Smith Jr.

“Interest rate risk arises when there's potential for interest rates to change, impacting loan costs. It’s a serious consideration for lenders.”
― Hendrith Vanlon Smith Jr., Capital Acquisition: Small Business Considerations for How to Get Financing

“Restructuring may occur if a business faces financial challenges, involving changes to loan terms. It can be a tedious process, but often times, better than the alternatives.”
― Hendrith Vanlon Smith Jr.

“Currency risk is a consideration in international corporate lending, given fluctuating exchange rates. It represents another set of costs and risks that lenders have to consider when lending internationally.”
― Hendrith Vanlon Smith Jr., Capital Acquisition: Small Business Considerations for How to Get Financing

“Corporate lenders play a vital role in supporting economic growth by providing capital to businesses. Without corporate lenders, the ability and rate at which businesses are able to grow would likely be considerably less.”
― Hendrith Vanlon Smith Jr., Capital Acquisition: Small Business Considerations for How to Get Financing

“Commercial loans serve various purposes, from financing expansion and working capital to equipment acquisition and real estate investment – They’re a very important part of the capital ecosystem of the world, and of its individual nations.”
― Hendrith Vanlon Smith Jr.

“Na nieśmiałą uwagę pani Stawskiej: dlaczego nie żyje z familią? — baronowa odpowiedziała:
— Z jaką, kochana pani? Ja już nie mam nikogo, a choćbym nawet miała, nie
mogłabym przyjmować u siebie ludzi tak chciwych i ordynarnych. Familia zaś mego
męża wypiera się mnie, gdyż nie pochodzę ze szlachty; co im zresztą nie przeszkadzało
wytumanić ode mnie ze dwieście tysięcy rubli. Dopóki pożyczałam im na wieczne
nieoddanie, politykowali ze mną; ale gdy się opatrzyłam, zerwali stosunki i nawet
oni to namawiali mego nieszczęśliwego męża, ażeby położył mi areszt na majątku. O,
co ja przeżyłam z tymi ludźmi!… — dodała płacząc.”
― Bolesław Prus, Lalka