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Opinions and views from expert CFOZone members.

Tag >> financing
Aug 16
2010

A welcome end to operating leases

Posted by Ron F in leasingIFRSIASBGAAPfinancingFASBcost of capitalcomplianceCapitalbalance sheetAccounting

Ron F

I see that FASB is sticking to its schedule for ending most off-balance-sheet treatment for leases, and so is the IASB. It's about time, frankly, if only to spare us poor, I mean, intrepid financial journalists from having to sort through the particulars of the current accounting treatment a moment longer than necessary.

I speak from personal experience here, having wrestled with the false distinction between capital and operating leases for a sidebar to a piece I wrote for CFO Magazine way back when. The article delved into the details of a particularly complex variation that companies were using to finance real estate, called synthetic leases.

May 13
2010

Why banks are still wary of financing trade

Posted by the Benche in treasurytrade financetraderecoveryrecessionfinancingeconomyCashBanksBanking

the Benche

Republished from the Benche, a financial community for corporate treasurers.

The International Chamber of Commerce has released the findings of their survey titled "Rethinking Trade Finance 2010" that sheds some light on this issue.

Mar 30
2010

Mistaking a recovery for a default?

Posted by Ron F in RiskrecoveryrecessionGreenspanfinancingfinancial crisisFederal Reserveeconomydefaultcareer/managementbudget

Ron F

What does the recent "spike" in bond yields really mean? To listen to folks like Greenspan or Robert Samuelson, it means investors are worried about US creditworthiness.

And while I've gone on about this twice the past few days, here's a more useful reality check, courtesy of James Hamilton, a professor of finance at the University of California at San Diego who the Fed actually pays some attention to.

Mar 05
2010

How Uncle Sam is more like a bank than a household

Posted by Ron F in RiskObamagovernment financefinancingdefaultCongresscapital expendituresbudgetBernankeBanking

Ron F

James Galbraith provides much-needed clarification of a point that has been obscured in the debate, if that's the right term, over the federal budget deficit at a time of recession.

And that is that when it comes to the economy, the government is more like a bank than a family household, in contrast to those who argue that the budget should be balanced at all times, and especially when times get tough. Even President Obama echoed that view in his State of the Union address when he said the government should "live within its means."

Feb 08
2010

Declining angel investment in startups bodes badly for economic growth

Posted by annearf in small businessloansfinancingBanksangel investment

annearf

Bank financing for small business, of course,  still is way down. And it's unclear what impact President Obama's recent proposals for boosting lending will have.   So, it's not happy news to learn about reports of declines in another source of small-business funding, angel investments.

These investments, from wealthy individuals or groups of such people, have been an important source of money for a small but important group of startups--businesses with a high growth potential.  But research shows that the approximately 300 angel groups in this country are considering a smaller number of startups for investment at every stage of the process. That's according to  data from Scott Shane, a professor at Case Western Reserve University and noted entrepreneurial specialist writing in BusinessWeek. 

Feb 04
2010

Trouble in the IPO world.

Posted by Stephen Taub in IPOfinancingDealsChina

Stephen Taub

When the going gets rough, the IPO market dries up.

The new issue market looked like it was going to revive this year 10 months into the stock market rally. However, the recent volatility and market selloff has spooked issuers of new shares.

Jan 06
2010

Businesses increasingly turn to bonds over loans

Posted by MQuinn in loanslendingfinancingFederal ReservedebtDealsBanks

MQuinn

Despite their many protestations that their balance sheets are strong and that they are open for business, bankers just aren't lending like they used to, even to companies with strong credit. Instead, businesses are increasingly finding their financing in the debt markets.

For the first time on record, global corporate investment-grade bond issuance surpassed investment-grade corporate lending in 2009, the Wall Street Journal reported on Wednesday using data from Dealogic.

Excluding financials, lending to investment-grade companies was $1.2 trillion in 2009, compared to corporate investment-grade bond issuance of $1.4 trillion.

Nov 30
2009

Small business seen as big opportunity for credit card growth

Posted by mcole in small businessfinancingcredit cards

mcole

Small-business credit cards may be a prime opportunity for financial institutions looking to increase return on investment.

“Small businesses have long fallen into a middle ground between retail and commercial banking,” said Judson Murchie, an analyst with Aite Group, which released a report on small business credit cards today. “While small businesses often mimic the personal banking habits of their owners, much of their payment behavior reflects their nature as a business, resulting in high check volume.”

Nov 19
2009

Here's a novel way for small businesses to raise money

Posted by annearf in small businessinvestmentfinancing

annearf

For small businesses, finding funding in this environment is no day at the beach. Big banks and many small ones don't want to make what they see as too-risky loans. Angel financing is tough to get. And even in good times, venture capitalists only invest in 1 percent to 2 percent of the business plans they receive.

But, amid the recent hoopla about helping small business--Lloyd Blankfein's $500 million fund/publicity stunt, Obama pledging to convene a small- business summit and so on--small -business expert Seth Godin just came up with an intriguing suggestion for a new approach to financing.

Nov 12
2009

Execs say more M&A on the way, economic woes to linger

Posted by MQuinn in M&AfinancingDeals

MQuinn

Is the relatively steady stream of acquisitions we're seeing here to stay? Well, according to a new survey, the will is there, but the way is still hard to come by.

Ernst & Young found that 33 percent of the nearly 500 businesses it polled said they're likely or highly likely to acquire other companies in the next 12 months. In fact, a quarter of those surveyed expect to do so in the next six months.

Even so, 62 percent said they feel their ability to partake in the buying bonanza is restricted by various factors, including the lack of available financing.

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