Commercial

Every business faces risk. Fortunately, some of these risks can be transferred, primarily through various types of insurance. Many other types of risk cannot, and so the business owner is stuck with them. In today’s newsletter, in which I use business interruption as an example, I explain how to identify non–transferable risk and offer suggestions regarding what to do about

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)