08 août 2014 ~ 0 Commentaire

5 Steps To Successful Small Business Loan Approval – Yahoo Finance

Business Highlights – Yahoo News

5 Steps To Successful Small Business Loan Approval - Yahoo Finance student-loans

A link has been sent. Done Compare Brokers 5 Steps to Successful Small Business Loan Approval As the economic outlook improves for small business professionals, Advantage Capital Business Loans simplifies the financing process with 5 simple steps to loan approval Advantage Capital Business Loans 18 minutes ago 0 shares Content preferences Done LOS ANGELES, Aug. 7, 2014 /PRNewswire/ –The New York Times reports that small businesses are finding it easier to get the funding they need to grow their businesses and lender Advantage Capital Business Loans has noticed the trend as well. « It’s actually a really great time to access small-business capital, » says Keri Gohman, executive vice president and Capital One’s head of small-business banking. « Rates are low and banks are also feeling the economic recovery ». However, many analysts suggest it’s a bit too early for optimism. After all, even though small business loan approval at large banks reached 20%, up 9% from a year ago this past June, data from Biz2Credit shows that lending is still significantly down from pre-recession levels. This suggests that the climate at these large, traditional institutions still favors lending to large, multi-national corporations with little perceived risk over loans to smaller firms. It’s a precarious time for small business professionals looking to reach new financial goals for their companies, so it’s understandable if they feel a certain level of anxiety upon applying for lending. That’s why professionals who apply for lending at Advantage Capital Business Loans are always grateful for the clear, efficient lending services provided at the renowned firm. In most cases, the entire funding experience at ACBL from application submission to funding is only 2 to 5 business days.
Puedes ver la version sin traducir en http://finance.yahoo.com/news/5-steps-successful-small-business-003000371.html


Now it appears that banks are moving one step further, effectively cutting off many private firms from financing. Regulators may welcome signs that banks have become more diligent in assessing risk, but it is bad news for policymakers and China’s near-term economic prospects. Beijing has been counting on consumption and a services sector dominated by private firms to take up the slack as it aims to cut industrial overcapacity and China’s over-reliance on large state-financed investment projects. While manufacturing and exports have been improving in recent months, a surprisingly weak service sector survey this week cast doubt on market assumptions that the world’s second-largest economy would stabilize this year around Beijing’s 7.5 percent growth target. WRONG RATIOS The average bad-loan ratio for Chinese commercial banks reached a three-year high of 1.08 percent at the end of June, above the regulator’s 1 percent red line, but still below most analysts’ estimates which range as high as 5 percent. Bankers and analysts expect bad debts to rise further as the slowing economy makes it harder to repay loans taken out during the Beijing-orchestrated lending binge to soften the impact of the global financial crisis and there are signs this rise could be faster than banks may have anticipated only a few months ago. Chinese firms remain under intense credit pressure, with strong demand for short-term debt, including high-yielding shadow banking instruments like bankers acceptance notes. ASSESSING THE DAMAGE Sources told Reuters BoCom’s management had grown increasingly concerned about a potential surge in bad loans in some regions in mid-July. In response, it set up teams to assess the situation in Zhejiang, Shandong, Fujian, Hubei and Guangdong provinces, according to two people with direct knowledge of the matter and an internal document reviewed by Reuters.
Puedes ver la version sin traducir en http://news.yahoo.com/chinese-banks-serious-risk-bad-debts-swell-210957802–sector.html

Landon Donovan says he’ll retire after season – Yahoo Sports


It has not been paying down at the rate we would expect, he said. Theres potential refinancing risk with respect to the underlying loans. Bond Guarantor Radian has been focusing on its mortgage insurance business. The firm hired Goldman Sachs Group Inc. to weigh options for its Radian Asset bond guarantor, including a sale. Radian rallied 5.3 percent to $13.42 at 4:15 p.m. in New York after reporting a profit as the housing market improved. MBIA, based in Armonk, New York, rose 1.3 percent to $9.47 after reporting second-quarter results that beat analysts estimates. The stock traded as high as $10.17 earlier today. Kevin Brown , a spokesman for MBIA, referred to a statement the insurer made when it reported results yesterday.
Puedes ver la version sin traducir en http://www.bloomberg.com/news/2014-08-07/radian-adds-default-protection-on-mbia-to-hedge-loan-risk.html

Radian Adds Default Protection on MBIA to Hedge Loan Risk – Bloomberg


Donovan, a five-time MLS champion with the Galaxy and the San Jose Earthquakes, made his retirement announcement on the same stage where he agreed to a multiyear contract extension with the Galaxy just a year ago, pronouncing himself revitalized after an extended sabbatical. View gallery FILE – In this Nov. 20, 2011 file photo, Los Angeles Galaxy forward Landon Donovan holds up the MLS He took several months off following the Galaxy’s second straight MLS Cup title alongside now-retired David Beckham in December 2012. Donovan traveled extensively during his time off, and he plans to see even more of the world after his career ends this fall.  »It gets me excited thinking about it, » Donovan said.  »For 16 years, almost every decision I’ve made, every hour of every day, has revolved around, ‘How is this going to prepare me for tomorrow’s training session or tomorrow’s game?’ Just having the freedom to do whatever you want is exciting, and I’m looking forward to that. » Donovan has been a key component of MLS’ impressive growth during his 14 years in the top North American league. After he struggled for playing time at Bayer Leverkusen as a teenager, he chose to pursue a pro career in his native California instead of Europe, adding a marquee attraction to the then-struggling league.  »There is no doubt that Major League Soccer would not be what it is today without Landon Donovan, » MLS Commissioner Don Garber said.  »His decision to join MLS in 2001 was a statement to the entire soccer community, at the most crucial time in our history, that MLS could be a league of choice for the best American players.
Puedes ver la version sin traducir en http://sports.yahoo.com/news/landon-donovan-says-hell-retire-175633339–mls.html

Chinese banks get serious about risk of bad debts swell – Yahoo News


Done Student Loan Debt Is a Drag on Your Health By Marine Cole 13 minutes ago 0 shares View photo Student Loan Debt Is a Drag on Your Health Its no secret that graduating from college with high student debt will be a financial burden for years to come but student debt could also affects your well-being and health. Graduates with the greatest amounts of student debt $50,000 or more are less likely than debt-free grads to be thriving in terms of well-being, according to a new Gallup-Purdue Index released Thursday. The index is a joint effort between Purdue University and the Lumina Foundation to study the relationship between the college experience and graduates lives. It looked at Americans who graduated from college between 1990 and 2014. Related: ID Thieves Could Ruin a College Students Financial Future Gallup defines well-being as consisting of five elements: finding fulfillment in daily work and interactions; having strong social relationships and access to vital resources; feeling financially secure; being physically healthy; and taking part in a true community. Not surprisingly, the pollster found the starkest difference between graduates who sunk deepest into debt and those who didnt take on any debt at all in the areas of financial and physical well-being. More specifically, high financial debt of all kinds, including student debt, has been associated with higher blood pressure and poorer self-reported general and mental health in young adults, according to a Northwestern University study published a year ago. That study also found that people with high debt reported higher levels of perceived stress and higher depressive symptoms. Related: Why High Debt Could Mean Financial Stability However, Gallup noted that high student loan debt might not be the only reason for lower well-being. Other factors that often determine whether students take out loans for college and how much they borrow may be the same factors that influence graduates future well-being, it noted. These other factors include the familys household income, its socio-economic status, the type of school the student attended, the chosen field of study, and the students ability to get scholarships and financial aid.
Puedes ver la version sin traducir en http://news.yahoo.com/student-loan-debt-drag-health-174300588.html

Student Loan Debt Is a Drag on Your Health – Yahoo News


___ Delta Air Lines cutting back flights to Venezuela CARACAS, Venezuela (AP) — Delta Air Lines drastically reduced service to Venezuela on Monday in a dispute with the government over revenue trapped in the South American country. The move left disgruntled fliers scrambling to rebook seats on one of the dwindling number of carriers with full service to the socialist country. Delta is slashing service by 85 percent starting Aug. 1, replacing its daily roundtrip flight between Atlanta and Caracas with one roundtrip weekend flight, according to spokeswoman Sarah Lora. Lora declined to say how much money Delta has stuck in Venezuela. Airlines have been unable to convert their Venezuelan earnings into dollars because of the government’s hold on repatriation of airline revenue. ___ Report: Homeowners paid $3.1B cash in settlement WASHINGTON (AP) — A new report says homeowners have received about $3.1 billion in cash under a federal settlement with 13 big banks over alleged misconduct in processing mortgages that may have resulted in wrongful foreclosures. The report by the Federal Reserve released Monday says 83 percent of the 4.2 million borrowers covered by the January 2013 settlement, or about 3.4 million, had cashed checks as of April 25. The amounts paid range from several hundred dollars to $125,000. The 13 banks include Bank of America, Citigroup, JPMorgan Chase, Wells Fargo and Goldman Sachs.
Puedes ver la version sin traducir en http://news.yahoo.com/business-highlights-220254366.html

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