Secrets To Building Business Credit

Six Figure Business Credit

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Six Figure Business Credit Summary


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Business Growth and Expansion

Business Growth Businesses can grow by reinvesting their profits in themselves, or they can combine with another business. Read to find out what influences growth. Business Growth Through Reinvestment 6. Business Growth In a newspaper or magazine, find an article about a merger. What companies merged What reasons, if any, were given for the merger What statistics were provided Write a one-page paper in which you answer these questions.

Inside The Brokerage Business

Finally, prime brokers often provide marketing services for their hedge fund customers. They try to raise capital for their hedge fund customers by introducing them to important clients of the brokerage firm very high net worth individuals, large institutions, and so forth. This function is sometimes called capital introduction since the prime broker is introducing the hedge fund client to potential sources of investment capital. The capital introduction function has become especially important since the late 1990s as the general level of interest in hedge funds has increased, and the prime brokerage business has become increasingly competitive. If a bright young money manager with a good reputation is starting a hedge fund, he will talk to several brokerage firms about their prime brokerage services. There will be lots of conversation about reporting capabilities, lending facilities, and the like. But at some point the hedge fund manager is sure to ask, Can you help me find investors...

The Importance of Financial Intermediaries to Securities Markets An International Comparison

Although the dominance of financial intermediaries over securities markets is clear in all countries, the relative importance of bond versus stock markets differs widely across countries. In the United States, the bond market is far more important as a source of corporate finance On average, the amount of new financing raised using bonds is ten times the amount using stocks. By contrast, countries such as France and Italy make use of equities markets more than the bond market to raise capital.

The Monetary Policy Decision Process

Recent trends in credit growth indicate that households and businesses have continued to find it attractive to borrow at prevailing interest rates. After touching a low point in the September quarter, the growth of household credit has picked up over the two most recent quarters. Business credit growth has continued to trend upwards. A factor that is likely to have contributed to the overall strength of credit growth has been the continuing compression of lending margins by financial intermediaries over recent years, reflecting competition among lenders. As a consequence, although the cash rate has been close to its historical average, interest rates paid by borrowers have remained below average.

Contemporary Economics And Envy

Where do the high aspiration social goals come from There are longstanding problems in conceptualizing the goals of a system as distinct from the goals of those who make it up. Walter Weiskopff wrote, in 1965, that 'A Gross National Product growing, if possible, at an increasing rate, has become a dogma of economic reasoning and an object of economic worship. There is an obsessive preoccupation with the growth and rate of growth of the GNP which one could call GNP fetishism' Daly (1973, p. 241) . Is GNP fetishism a collectively expressed outgrowth of individual cravings or is it a 'top-down' phenomenon In the latter case individual impulses responses are a product of the economic system rather than the architects of its design. One way of deriving systemic goals is to locate an organized group which stands to gain from growth. Political parties are the obvious candidates. In an economically static society, policies to improve the lot of any group in society require redistribution. In...

Multinational corporations

If the MNC has decided that production abroad is more efficient than exporting, we still must consider the final criterion mentioned above, internalization, to assess why the MNC chooses to operate its own plant rather than license someone else to produce the good. An advantage of licensing is that the firm need not raise capital itself or tie up its own management resources in learning how to produce in a foreign setting. Yet, by licensing technology to others, the innovator takes the risk that this information may leak out to others or be used to compete directly with it. Production abroad also raises the possibility that employees will defect and start their own competing firm, but at least the MNC can control that process better through the incentives and wages it pays its employees. When the pace of technological change is rapid in an industry, the firm may find licensing is the best way to earn an additional return on its innovation before that product is superseded by another....

Box 91 Mergers acquisitions and takeovers hold the phone

When MNCs raise capital locally rather than bring additional funds into countries with limited savings and few links to world capital markets, host countries voice the concern that this competition for funds with local producers simply displaces local producers and reduces the base of local entrepreneurs. This argument is not particularly convincing, if inefficient producers are being replaced by more efficient producers who can produce more output with the same inputs. The argument is more relevant if the domestic industry initially earns monopoly profits in a protected market, and the entry of an MNC transfers those profits from domestic producers to foreign owners.15

Why would a company give you more stock than the amount of the dividend

Of program, and we participated heavily. That experience led us to going to a major U.S. electronics company in 1992 in what proved to be our first private equity funding deal. At the time, this company couldn't raise capital through a stock offering because they'd had a bad quarter and the prevailing attitude was I don't want to buy newly issued stock from that company. That's probably the best time to buy newly issued stock. When do you want to buy it after they've reported record earnings he laughs 1 But that's the way it works, and it was a perfect opportunity for us to step in and say here's the check. We told the company that we would buy 15 million worth of stock from them over a period of time. We stressed that we wanted it to be a very friendly and supportive deal. Therefore, instead of buying stock at a discount, we proposed being compensated by an option to buy more stock in the future. In this way, our incentives were perfectly aligned with the interests of management and...

The Money Market And The Trade Cycle

Our analysis of the nature of working capital, and of the demand for short-term funds, brought us to a number of conclusions. The original purpose of our investigation was to make it easier for us to make up our minds about the controversy business credit versus stock exchange credit. We shall defer the application of our conclusions to this problem until the next chapter. For the present we shall deal with certain by-products of our analysis. These by-products are, in my opinion, relevant to several problems, but especially to the theory of the money market and of the trade cycle.

The Temporary Comparative Advantage Of Estates

Cocoa planters may generally have been high-cost producers, but they had the advantage of speedy reaction to favourable market situations. This derived from the organisation of estates, and their ability to gain the backing of the state. Planters had excellent access to market information, were able to obtain planting material with great speed, and could raise capital relatively easily. They were thus well placed to react quickly to any surge in demand and prices, as long as the state facilitated their access to land and labour. In such conditions, planters could clear massive swathes of forest and plant millions of cocoa trees in a very short period, albeit at a relatively high cost (Companhia da Ilha do Principe 1895ff, for one notable example in the 1890s).

Internet Initial Public Offerings

Companies offer IPOs to raise capital for their business projects. Traditionally, an underwriter, such as an investment bank, determines share prices, handles the printing and distribution of prospectuses, and arranges the sale of stocks to large institutional investors and brokerage firms. They, in turn, sell the stocks

The data and variables

Age captures the general experience of the business owner. It might however be expected - again following Jovanovic's (1982) analysis of entrepreneurial learning - that the length of experience in the business (TIMTR) would have an impact on business growth. A key argument here is that actual participation in business discloses to its owner - in a way which is not possible by other means - whether or not he she has the necessary skills to engage in such activity. The more efficient operators remain in business the less efficient exit. Thus the individual who has already been in business, and who has therefore tested his skills, is more likely to make a success of the current venture than someone who is in business for the first time. However, Storey et al. (1989, p. 29) were unable to detect any impact of previous 'own account' experience on growth.

Tools to Help Production of Information Monitoring You have seen that the principalagent problem

As with adverse selection, the free-rider problem decreases the amount of information production that would reduce the moral hazard (principal-agent) problem. In this example, the free-rider problem decreases monitoring. If you know that other stockholders are paying to monitor the activities of the company you hold shares in, you can take a free ride on their activities. Then you can use the money you save by not engaging in monitoring to vacation on a Caribbean island. If you can do this, though, so can other stockholders. Perhaps all the stockholders will go to the islands, and no one will spend any resources on monitoring the firm. The moral hazard problem for shares of common stock will then be severe, making it hard for firms to issue them to raise capital (providing an additional explanation for puzzle 1). The advantage of a less frequent need to monitor the firm, and thus a lower cost of state verification, helps explain why debt contracts are used more frequently than equity...

State enterprise i3 P3

There are various ways of organizing state enterprises, e.g. the UK method of creating separate public corporations and the italian method of creating holding companies (IRI and ENI). In Germany, the government has major or majority stakes in 900 businesses, including Lufthansa and Volkswagen. As many state enterprises make trading losses, it is unlikely that they would be able to raise capital without government help. since 1978, china has allowed a variety of enterprises, e.g. collective, individual (two helpers can be employed plus five apprentices) and joint ventures between state-owned and individual enterprises with profits distributed as dividends.

Characteristics of Share Issue Privatization Offerings

In all likelihood, you do not now consider common stock offerings to be important instruments of public policy. This section will try to convince you otherwise. In fact, we will see that governments around the world have learned to use share issue privatizations both as a mechanism for raising money and as a tool of political expression. To understand this point, ask yourself what choices the private owner of a company seeking to raise capital by selling stock to public investors for the first time would make regarding the size, structure, and pricing of this IPO of shares. The typical entrepreneur's principal objective in an IPO is to raise as much new capital as possible, at the maximum attainable price per share, while selling a small enough fraction of the company that personal voting control of the firm is not immediately threatened. Expressed in practical terms, this implies that most private-sector share offerings will be primary, capital-raising issues and that entrepreneurs...

Regulating Privatized Telecoms

Naturally, the capital investment policies of state-owned telecoms were also set by the government, and the aggregate amounts available for maintenance of existing assets and purchase of new equipment were almost always inadequate, for four reasons. First, as wholly state-owned enterprises the telecoms were by definition excluded from raising capital in public equity markets. Second, the amount the firms were allowed to raise in debt markets was usually constrained by the overall public-sector borrowing requirement (PSBR), and the government's own funding needs were always met first. Third, governments had every incentive to mandate low prices for telecom services, which meant that these services were often provided (to favored groups) below cost, thus reducing the telecom companies' profitability and minimizing the amount of cash flow available for reinvestment in the firm. Finally, state-owned telecoms were almost always starved of cash by their nature as de facto government...

Limitations of the EMH

If accounting standards are to improve, it is probably the International Accounting Standards Board (IASB), originally established in 1973, which will lead the way. America does not yet recognise its rules companies that wish to raise capital in American markets must still reconcile their accounts with GAAP. But the IASB gained a lot of influence in 2000 when the European Commission decided that all companies in the European Union must report according to its standards by 2005.


Likewise when the government borrows money, it competes with companies looking to raise capital. In some areas like health care and education, public and private services are competing with each other. But at the same time, the government also serves as useful complement to every business activity by providing basic infrastructure and civil order. Every business depends on the government for things like protection of life and property, a transportation network, civil courts, a stable currency, and so on. Without these things, people couldn't do business. Finally whether an activity is carried out in the public sector or the private sector is itself endogenous.

Private Property

Poor peasants, meanwhile, who may have farmed communal lands for ages may have no recognised assets, no means to raise capital, no pathway to increasing incomes. Quite the opposite, they risk eviction if they have no formal title to the lands they work on and they may lose any crops or livestock they may possess if they cannot physically defend them.

The rich

As an example, the corporate income tax probably does not actually bring in a significant amount of money which we could not get by ordinary income tax if the former were repealed. Indeed, it probably reduces total tax collections. Economists in general object to the corporate income tax for several technical reasons. The tax motivates the corporation to put as much as possible of its effort to raise capital into selling bonds rather than common stock because the tax falls on the dividends but not on the interest paid on the bonds. Increasing the percentage of capital represented by bonds makes the corporation more risky because a fall in earnings may force the company into bankruptcy. Thus the economy as a whole is less stable with a corporate income tax.

Commercial Banking

In low-income countries in particular, only a small fraction of the population holds bank accounts. If people in such countries want to raise capital they typically go to informal moneylenders or pawnbrokers. The rates of interest on loans that such agents charge can be punitive - 50 per cent or more. In this way, creditors can sometimes claim what few resources poor peasants possess a large share of the output of whatever is produced, for example. Excluded from the formal banking sector, the poorest stay poor. How can these problems be avoided Financing development is so essential, yet how can poor communities ever raise capital and fund economic growth if banks will not serve their needs

The model

The supply of capital curve in Figure 15.2(b) shows the relationship between the profit rate and growth in supply capacity. It is a function of the ability of the firm to raise capital to finance growth and varies with the level of profits earned. Thus, the higher the rate of profit the more easily will it be for the firm to raise capital, whereas the lower the rate of profit the more difficult will it be. If the firm is dependent on retained earnings, then the supply of capital curve is a function of the retention ratio shown in Figure 15.2(a). The supply of capital curve is represented as a linear function of growth and shows the maximum growth rate achievable by the firm to be Gn (given the supply constraints) that is, where the demand and supply growth curves intersect at D.

Tracking stock G1

A stock issued by a public company which tracks the value of one part of the company. This permits different valuations of divisions of a firm. The stock can be issued to the market or to existing shareholders. if the new stock has a high price-earnings ratio, the cost of raising capital is reduced.


In the previous chapter we encountered the conundrums surrounding the relationship between Islam, which maintains a nominal prohibition of usury, and the state of economic development. One direction of explanation is that, at low levels of development, such curbs may be efficient. In a society with low levels of economic development, greed threatens the community. Stocks of food, etc. may be a buffer against risk of natural disasters, attack by enemies, seasonal failures and so on. The greedy person may exhaust their buffer stocks and thus be pushed towards expending resources contesting transfers from the stocks of other individuals. The deadweight loss of these efforts further reduces output. Where there is an expansion of the frontier of technological knowledge and the opening up of new trade opportunities, greed may be a useful feature if it drives entrepreneurs into taking the necessary risks in these inherently uncertain ventures. Some kind of balancing act is required as the...

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