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CFO October 1, 2006 Randy Myers	A Change of Season Don't let a turn in the credit cycle catch you napping. What should corporate borrowers be doing? The most obvious course of action is to get while the getting is good.
CFO March 1, 2008 Karen M. Kroll	Pedaling As Fast As They Can Companies will now need to work harder for credit, as banks' markedly different posture on lending money is affecting businesses of all stripes -- not just those in default.
CFO October 1, 2008 Vincent Ryan	Now What? As banks tend to their balance sheets and seek higher returns on capital, corporate lines of credit are becoming more expensive and tougher to keep.
Inc. January 1, 2003 Martin Mayer	A Borrower Be Tough economies and easy credit usually don't mix. So why are banks falling all over themselves to lend small businesses money?
CFO November 1, 2003 Tim Reason	Borrowing Big Time Tighter credit and bigger deals are making asset-based loans more respectable.
BusinessWeek October 31, 2005 Mara Der Hovanesian	Hedges: The New Corporate ATMs Hedge funds and other institutional investors are lending money to corporations as banks get pickier.
CFO October 1, 2007 Avital Louria Hahn	Only the Strong Shall Thrive Financially sound companies find gold in credit mayhem even as weaker players fear the game is up.
CFO September 1, 2003 Hilary Rosenberg	Compromising Positions Will credit derivatives encourage more lending, or will they harm the interests of borrowers?
National Real Estate Investor February 1, 2007 Ben Johnson	Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns.
National Real Estate Investor February 1, 2005	Insatiable Appetite For Debt Financing The prospect of higher interest rates shows no sign of dampening borrower demand for commercial real estate debt, according to an exclusive survey of more than 400 developers and owners conducted by National Real Estate Investor.
BusinessWeek August 27, 2009 James C. Cooper	Business Outlook: Why Credit Growth Remains Slow Banks are still skittish about offering credit, and households and companies remain reluctant to borrow, creating drags on the recovery.
U.S. Banker November 2006 John Engen	Reality Check The banking industry has never been more profitable, but with the yield curve inverted and consumer lending stalled, and an economic slowdown in the works, the winning streak looks to be in jeopardy. Are banks ready - and will more CEOs opt to sell out?
CFO March 1, 2009 Russ Banham	The Standoff Continues As banks and companies hoard their cash, credit remains extremely tight. That's forcing CFOs to explore new (and old) options.
National Real Estate Investor January 1, 2005 Matt Hudgins	Leaping Through The Lending Trough According to the normal rhythms of the real estate industry, the first years of this decade should have been a slow period for lenders. To the delight of the mortgage industry, it hasn't worked out that way.
The Motley Fool October 9, 2006 Dan Caplinger	Know Your Numbers: Consumer Credit Use economic data to gain the upper hand in your investing. The Federal Reserve's consumer credit report provides some useful information about the borrowing practices of typical consumers.
FDIC FYI September 17, 2003 Susan Burhouse	Evaluating the Consumer Lending Revolution Consumer balance sheets have become stretched by large amounts of new consumer and mortgage debt. This rapid increase in consumer spending and borrowing raises important questions about the sustainability of current debt loads and the vulnerability of the consumer sector to economic shocks.
CFO October 1, 2009 Vincent Ryan	Back on Track It's been a frightening year for credit-starved companies. Can they relax a little now?
National Real Estate Investor February 1, 2006	The Lure of Low Rates Despite more than a dozen hikes in the federal funds rate in the past 18 months and consensus among industry experts that the 10-year Treasury yield is poised to climb, borrower attitudes reveal an unflappable demand for commercial real estate debt.
BusinessWeek October 23, 2006	Danger--Explosive Loans Collateralized loan obligations offer loads of cheap money. But payback time may be coming.
Bank Technology News December 2007 Michael Sisk	The Rise of Community P2P is no threat to banks -- yet -- but the rise of these exchanges, which cut out banks and allow people to lend directly to each other is a phenomenon worth studying. Are P2P exchanges the credit unions of the Internet age?
BusinessWeek November 19, 2009 James C. Cooper	Business Outlook: A Lifeline of Credit for the Recovery Lending remains tight, but overall bank standards are relaxing, and that will make it possible for businesses to expand as demand picks up
Finance & Development December 1, 2000 Dadush, Dasgupta, & Ratha	The Role of Short-Term Debt in Recent Crises The 1990s witnessed a boom in short-term lending by international banks to developing countries that lasted until Asia's financial crisis erupted in 1997. By 1997, nearly 60 percent of all outstanding international bank claims on developing countries had a remaining maturity of less than one year.
U.S. Banker January 2008 Michael Sisk	The Rise of Lending Communities Peer-to-peer lending holds valuable clues to the nature of lending and borrowing.
The Motley Fool May 9, 2011 Cindy Johnson	Are Banks Starting Another Race to the Bottom? Easier credit standards are being driven by competition to lend.
CFO May 1, 2011 Vincent Ryan	Revolvers Return, with Some Twists Good news for credit-seekers as banks relax, a little.
CFO December 1, 2003 Randy Myers	Basel's New Balance A new accord may soon help banks lend more for less.
The Motley Fool August 10, 2006 Dan Caplinger	How the Fed Affects You Federal Reserve decisions about interest rates trickle down to everyone.
Financial Planning December 1, 2007 Jerry Webman	The Credit Crunch A Wall Streeter explains what happened and how the financial markets got into their current state.
CFO October 1, 2007 Rob Garver	One Nation, Left Behind The race to cut compliance-based capital has begun, and U.S. banks are trailing the pack -- badly.
FDIC FYI November 4, 2003 Puwalski & Williams	Economic Conditions and Emerging Risks in Banking The two main economic concerns of the past two years, a lack of new jobs and lackluster business investment, finally appear poised to subside.
Entrepreneur November 2004 C.J. Prince	A Loan Time With small-business lending up across the board, now's a great time to get the capital you need.
FDIC FYI February 21, 2002	Business Credit Flowing Despite Recession Business credit is more plentiful in this recession than in any other recessionary episode since the early 1970s, according to an FDIC report released today...
U.S. Banker February 2004 Karen Krebsbach	In Land of Rising Sun, Rays of Hope for Struggling Bank Sector Though Japan's banks have been ailing for more than a decade, the sector's pulse is strengthening. Signs of change are everywhere, as the four megabanks reported second-half 2003 profits for the first time in 20 years. Can the recovery last?
FDIC FYI April 21, 2003	Risk-Based Capital Requirements for Commercial Lending: The Impact of Basel II The purpose of this article is to demonstrate the mechanics of the Basel II risk-based capital calculation for commercial credit exposures, and to present evidence on the impact of the new calculations on capital requirements for syndicated loans.
CFO March 1, 2007 Randy Myers	Dividing the Spoils Most CFOs and treasurers recognize that when the credit cycle finally does turn, they may need the goodwill of a longtime banking partner to ensure access to capital under less-than-ideal conditions.
BusinessWeek March 19, 2007 Peter Coy	Under The Fed's Hammer How Fed rate hikes have turned into a regressive tax on weak borrowers.
CFO February 1, 2010 Vincent Ryan	A Debt Deferred Revitalized capital markets and forgiving lenders helped over leveraged companies fend off bankruptcy in 2009. Is this the year the bill comes due?
Financial Advisor January 2004 Marla Brill	Bank Loan Funds Regain The Spotlight Funds that invest in variable rate loans to below-investment-grade companies may sound like a gamble, but it's one that an increasing number of financial advisors worried about the impact of rising interest rates are willing to take.
AskMen.com March 4, 2001 Luis Rodrigues	The Truth About Bank Loans When the time comes to borrow money from the bank to buy a house, a car or start a business, people still get extremely stressed about meeting with the banking loans officer...
BusinessWeek March 15, 2004 David Fairlamb	Banks Put The Squeeze On Euro-Zone Growth Cautious lenders are keeping interest rates up -- and making loans harder to get. That could stall an already slow recovery
U.S. Banker May 2007 Lee Conrad	Subprime Mortgages: As the Knot Unravels, A Question Lingers: Why? Consumers and companies following their self-interest are supposed to be guiding forces that drive a capitalist economy. The recent meltdown of the subprime-mortgage market, however, raises the question of whether all participants were headed in that direction.
Commercial Investment Real Estate Nov/Dec 2002 Stephen V. Jacquemin	Understand Lender Criteria to Finance Manufactured-Housing Communities Manufactured-home community buyers have two main financing choices: long-term loans from institutional or conduit lenders or short-term bank loans. To obtain the appropriate financing for these investments, commercial real estate professionals should understand lender criteria for each type.
National Real Estate Investor June 1, 2005 Kingsley Greenland	Why Liquidity Should Help You Sleep Better There is no crystal ball that can predict the next lending squeeze, or if one will even occur. What is certain however, is that greater liquidity in the secondary market for commercial real estate loans is an important safety valve for the entire industry.
FDIC FYI February 27, 2002	Loan Weakness Spreads; Banks' Defenses Hold Large banks' business loans have been hit hardest by the recession, but some weakening is now appearing for smaller banks and for other kinds of loans...
CFO October 1, 2004 Ronald Fink	Default Swap Faults A dispute in the Enron bankruptcy case highlights troubling questions about credit default insurance.
Commercial Investment Real Estate Nov/Dec 2014 Pruitt & DeRensis	CMBS Maturity Wave Commercial mortgage-backed securities lending has shown signs of health to the tune of $84 billion issued in 2013, and issuance anticipated to approach $100 billion in 2014
Commercial Investment Real Estate Jul/Aug 2010 David C. Hannah	Community Banks Step Into a New Role Banks can band together with other similarly situated community banks to share the credit risk through a loan participation or syndication arrangement.
Reason March 2009 Veronique de Rugy	Dissatisfaction Guaranteed The government has decided to encourage more lenders to take more chances by guaranteeing yet more loans to high-risk borrowers. The only guarantee for these loans is that our children will be paying billions to cover the losses.
Bank Technology News December 2002 Melissa Solomon	Making the Most of Refis Mortgage lenders and analysts support the idea of an effective prepayment tool that would assign numbers to individual borrowers based on their propensity to refinance, but they're cautious in their optimism.
National Real Estate Investor February 1, 2005 Joe Gose	Lenders Draw Up Plays to Land Big Deals Aggressive. Innovative. Creative. Those are all fitting words to describe today's lenders as they stretch underwriting terms in ways that were unheard of just two years ago.