commercial lending Posts

Lessons on Commercial Lending from "Home Alone 2: Lost In New York"

Posted on December 20, 2024 by Mitch Woods

The McCallister family heads out of town for the second year in a row in "Home Alone 2: Lost In New York," and are headed to Miami to celebrate Christmas. The night before the trip, Kevin causes a commotion at...

Carving Out a Niche: Strategies for Success in Business Lending

Posted on December 9, 2024 by Baker Hill

One of the biggest challenges in successful small business lending is identifying and reaching the right customers. A smart way to achieve this is by carving out a niche. Every market is unique, so community banks must evaluate demographics...

Business Lending is Ripe for Disruption. Is Your Bank Ready?

Posted on October 21, 2024 by Baker Hill

Traditional lending involves plenty of paperwork and long approval times, delaying loan approval anywhere from several days to several weeks. These delays push borrowers to lenders – not all of them financial institutions – that can approve and fund credit...

Lessons from America’s Top Commercial Lenders

Posted on September 9, 2024 by Baker Hill

The current environment is very challenging for commercial lenders. Even with higher interest rates, a weak office market and inflation, there are still good business opportunities for forward-thinking commercial bankers that follow these proven strategies, which we’ll cover in today’s...

The Call for Effective Covenant Monitoring Has Never Been Louder

Posted on July 22, 2024 by Baker Hill

In the world of commercial lending, banks and borrowers are paying close attention to their financial covenants. And for good reason: covenants enforce minimum financial performance conditions on the borrower. These loan covenants are not a pre-decided set of principles...

Mitigating CRE Concentration Risk in 2024

Posted on July 15, 2024 by Baker Hill

According to a Federal Reserve Bank of St. Louis report , market sentiment about the CRE office sector declined sharply over the last two years, with the Bloomberg REIT office property index falling 52% from early 2022 through the third...