Are Lending Practices Too Strict Now?

On to Part XII of our Complaints Series! Have you tried getting a mortgage lately? It’s harder to obtain now than it was 5 years ago.  Goodbye no-downpayment days, hello put-your-cash-where-your-future-house-is days. You need to show you have good credit, you’re not up to your knees in debt, that you have a steady job, that … More Are Lending Practices Too Strict Now?

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What’s wrong with 100% funding?

There’s all kinds of money to be had out there these days: mortgages, loans, crowd funding, angel investing, growth funding, acquisition funding, merging, debt financing, equity financing… but what about 100% financing?  What about getting something for nothing? We’re going strong with our Complaints Series in this newest article. We get a lot of inquiries … More What’s wrong with 100% funding?

To Fully Disclose or Not to Fully Disclose. How Much Should You Share With Your Investor(s)?

We will be revisiting our Complaints Series for the next articles.  As always, we want to help our readers understand funding better and what goes into financing a project.  So today we talk about, well, what is said and what is not said. People come to us and other investors every day to talk about … More To Fully Disclose or Not to Fully Disclose. How Much Should You Share With Your Investor(s)?

Trust in Business: The (Old) New Frontier?

In the business world today, the trust factor has been replaced by signed agreements and lawyers. We have e-signatures, contracts that are pages and pages long, then other contracts to confirm the first agreement, non-disclosures and non-circumventions, the list goes on.  Point is, trust in business is frighteningly absent.  Not so long ago, deals were … More Trust in Business: The (Old) New Frontier?

Dutifully Doing Your Due Diligence – Part VIII of our Complaints Series

Ah, the Due Diligence.  So needed and yet at times so misunderstood. And what can be misunderstood can be demeaned and griped about.  So here we shall simply explain what the Due Diligence process is when a merchant banker is going through the financing process with their client. Simply put, the Due Diligence process (or … More Dutifully Doing Your Due Diligence – Part VIII of our Complaints Series

Courtesy in Business: Near Extinction? Part VII of our Complaints Series

There is one important common courtesy that can sometimes be forgotten in business: keeping people informed.  We often hear from our clients that they have a bad history of having been kept in the dark about things by their business partners, or maybe investors, or even their own brokers.  So that’s why we’ve made it … More Courtesy in Business: Near Extinction? Part VII of our Complaints Series

The Language (Non-)Barrier – Part VI of Our Complaints Series

When we conduct a due diligence for a project where the native language of the associated company(-ies) or country(-ies) is not English, it is required that any and all documentation be professionally translated by a certified translator, duly stamped and signed. Now some people may not like this. Why? Because generally if they have written … More The Language (Non-)Barrier – Part VI of Our Complaints Series

Timing is Everything – Part IV of Our Complaints Series

We’ve all heard the sayings “time is of the essence,” “running out of time,” “time’s a-wasting,” “no time like the present”… they’re mainly pushy sayings that want us to go faster in general. We need to get to the office more quickly, get our work done faster, get far ahead of a deadline – or … More Timing is Everything – Part IV of Our Complaints Series