What small business lenders want . . .

I originally wrote this post back in 2013 and update it periodically. The importance of knowing what your prospective lenders look for in a creditworthy small business never seems to fade. With growing global concerns that a frightening virus in China could cause economic damage affecting small businesses, it is time for a reminder: We've [...]

Do we really need loan machines?

I never quite know whether fascination with algorithm-driven lending is a media thing or a Silicon Valley thing. What or whomever fuels fintechs, it's a global phenomenon, a point underscore by recent coverage of Jack Ma’s online lending to small businesses. As with venture-backed fintechs out of Silicon Valley, Ma’s effort, called MYbank, analyzes thousands [...]

The battle over personal data

Our adversaries are no longer international despots or dictators, they are multi-national companies who exploit every byte of data we produce to achieve unfathomable riches for themselves. Those who possess intelligence on our psyches revealing things we don’t even know about ourselves. --Chris Herd | June 27, 2018 | Medium I live and breathe personal [...]