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 [...]

When the lines between consumer and business blur

I have (mostly) stayed away from all things Silicon Valley for some time now. After all, I moved across the country two years ago. This relates to a recent post by the New York City-based venture capitalist, Fred Wilson. Fred was writing about a panel he moderated on how globalization and outsourcing are changing the [...]