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Lender communication is an important (but often overlooked) aspect to any loan agreement. Long after the ink has dried on the closing documents, successful businesses work diligently to communicate effectively with their lender(s). Today’s newsletter explains how. Read more…
The post Communicating Effectively With Your Lender (June 2022) appeared first on Goodrich Associates.

For today’s businesses, the many challenges of Covid, supply chains, labor shortages, general price inflation, and high energy costs increase risk. That means the risk of future liquidity constraints has increased as well. Today’s newsletter addresses how to size up that change. Read more…
The post Project Financial Ratios to Spot Future Liquidity Problems (May 2022) appeared first on Goodrich

I have written before about the importance of understanding the difference between idiosyncratic risk and systemic risk. In today’s newsletter, I expand these two types of risk to a lens that looks at business problems. Then I discuss how this lens interacts with the concept of price elasticity. Why? I show how this understanding can help your business face the…

Many businesses own the real estate they use. This presents a number of opportunities and considerations, especially those related to whether it is more advantageous for the business to own or sell/lease-back the real estate in question. Today’s newsletter offers tips for making quality decisions in this area. Read more…
The post The Opportunity in Business-Owned Real Estate (February 2022)…

The future is fundamentally uncertain. Unforeseen surprises are all but inevitable. How then can we position our enterprise to quickly respond to these unknowns? In today’s newsletter, I take a look at this fundamental uncertainty and share suggestions for taking it into account in the way you monitor and run your business. Read more…
The post The Future Is Unknowable…

Effective management requires listening, communicating, and observing people firsthand. Virtual interactions, while certainly more convenient, can have a negative impact on results if done to the exclusion of everything else. Today’s newsletter explains, in addition to offering specific suggestions for taking full advantage of your physical presence. Read more…
The post Why Your Physical Presence Matters (December 2021) appeared first…

The material and labor shortage are likely to stay with us for some time. Now, it is more essential than ever to keep close tabs on where your company is financially. With that in mind, today’s newsletter examines several financial best practices that are critical to navigating through these challenges. Read more…
The post Supply Chain Problems and Labor Shortages…

Financial restructuring generally refers to a series of financial transactions that results in existing equity being significantly diluted and/or wiped out. It is rarely a pleasant process and, thankfully, not something most debtors have a great deal of experience with. By understanding what’s involved (the subject of today’s newsletter) and enlisting the help of qualified and experienced financial and legal…

Financial restructuring generally refers to a series of financial transactions that results in existing equity being significantly diluted and/or wiped out. It is rarely a pleasant process and, thankfully, not something most debtors have a great deal of experience with. By understanding what’s involved (the subject of today’s newsletter) and enlisting the help of qualified and experienced financial and legal…