Credit Analysis

5 C's of credit

When Does Character Count?

When it comes to the 5 C’s of credit, character always counts. What should a lender do when a borrower exhibits questionable character? Is there wiggle room to ignore certain character flaws and not others? …

Seasonal Business

Lending to a Seasonal Business

What are the challenges in lending to a seasonal business?

Lending to a seasonal business brings with it challenges that a borrower that operates all year long doesn’t face. Whether lending to a hotel in a coastal summer hotspot …


Income Statement Projections

What do you need to consider when relying upon projections for a loan approval?

A lender engaged Abacus Credit Analytics to underwrite a loan for a new children’s therapeutic gymnasium. (We had to educate ourselves as to what exactly …