Getting financing to start or to maintain daily operations is one of the challenges of getting started in any type of business structure be it corporation, partnership, or sole proprietorship. Typically you will have determined what you need for starting up and maintaining operations in your business plan and will go seek a loan from commercial lenders. And the lenders are all different too. They all have different requirements and some have perks to offer for your business. But before you shop for a lender you should know what is available in the way of corporate business financing. When shopping around for commercial loans and trying to figure out this corporate financing game, the topic of cash flow will no doubt be referred to. Cash flow is the one aspect of a business that can make it work and lack of it can destroy it. If you have any experience with business at all, you know that there will be a delay from the time a business first starts to when the invoices start getting paid. Yet during this time, the corporation still has bills and salaries to pay. Expenses also include paying suppliers just so that they can fill their own purchase orders. Try explaining cash flow to your employees when they have not been paid-not a good scenario. Or, try explaining to your supplier why you have not paid its invoices. This is why you need corporate financing. One corporate financing option you might be offered has to do with loaning you money based upon the number of outstanding purchase orders you have. They way it works is the suppliers you use to fill your purchase orders are paid directly by the lender. This type of commercial lending program gives you cash flow because your suppliers are taken care of and you can use money for other things. Plus, you can take advantage of any supplier early payment discounts. Another popular form of corporate financing is known as receivables factoring. How this works is a receivables factoring company will loan your corporation money based upon the value of receivables still open. Your invoices are an asset and are basically collateral for the loan. Factoring is great if a corporation does not want to incur further debt but needs a portion of the money it is owed in order to conduct day-to-day business operations. The factoring company will verify the invoices you want to factor and then loan you a significant portion of the money and hold back a small percentage. The end customer you have invoiced will actually pay the factoring company (even though the check is still made out to your company). When the invoice is paid, the amount held back is returned to your company and the factoring company takes its fees from it. And of course there are commercial loans for your corporation that is based upon your fixed assets. These loans are secured by equipment or commercial real estate your corporation holds so you will probably get longer payment terms and lower interest. And commercial lenders may have other programs to help you keep your cash flow at a state that is good for the health of your business without incurring a lot of burdensome debt. Shop around and get all the details before making your decision and prepare a good business plan. CL King and Associates provides investment banking, equity research, sales and trading, and investor services to corporations and institutions. CL King’s Corporate Services unit offers specialized services and objective advice to help corporate clients achieve flawless execution directly in the capital markets.
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What is an Equity Research Report? Equity research reports also called as Securities research reports is a report written by a brokerage or research firms for its clients in order to help their investors to make investment decisions in a shares. An equity research report includes an analysis of the company, industry and provides sufficient information based on which an investor can take a decision. Content of the report The report usually has the following information -
Normally most of the equity research reports have this information; however there is no hard and fast rule in which an equity research report should be written. The content varies from companies to companies. Finally the report provides a target price based on complete analysis. Disclaimer
Reliability of reports An analyst writes reports based on the information available. Available information means all the information available to public or through databases. You cannot rely completely on a report for an investment decision, however these reports offers good piece of advice and analysis which is definitely helpful. If you are a seasoned professional Equity Research Sales Executive with existing relationships and would like to hear our story at CL King & Associates, contact Mitch Meisler, Senior Managing Director and Head of Equities at (518) 431-3555, or email in confidence to [email protected]. Recent MBA graduates or MBA candidates too looking for internship opportunities in financial services can submit their resume. Also read: Finding Perfect Equity Research Analyst Career Managing money is not always about cost cutting. It requires analytical approaches that will indicate which part of the expenses should be minimized or totally eradicated. As such, there has to be measurements in managing money; and in terms of report, this is translated into what is called finance metrics. One cannot just simply decide that a certain process or machine be removed as it is expensive. Decisions based on assumptions are more likely to cause financial damage than assistance or resolution.
There are many aspects in managing finance. There are several Key Performance Indicators or KPIs that need to be incorporated in the report when finances are measured. One of these is job costing. Whenever there are projects that has cost, especially for manufacturing, a job costing analysis should be made. It is in this principle or light that a job costing report should be prepared so the managers will get a picture of what is transpiring. This way, they can also see if the investment is earning or if there is much potential for expansion. Job costing shows people the total accumulated costs of a certain project, and this should include overhead expenses, too. Full costs are calculated against the revenue, and this is more often than not measured by department or division. The first part of the job costing report is the job ledger. This should contain accounting transactions in a specific order. Normally, this contains job orders and job numbers categorized in a specific way for easy tracking. This contains revenues, costs, indirect costs, and receipts for all the jobs done for a specific project. The job ledger may be sub-categorized in different buckets to easily identify the pain areas in expenses and lost revenues. This may include current cost, purged job cost, billing cost, and invoice ledgers. Another metric that can be used in analyzing financial status and movement is discounted cash flow. This is a method in appraising a company and its financial assets. Perhaps the downside of this approach is that it is based on the estimation of future cash out flow instead of current expenditures. However, this estimation is backed up by historical data, which is the foundation of any statistical study. Normally, discounted cash flow is only applied in investments and real estate development industries. However, its effectiveness in gauging financial performance has led it to become one of the most used tools in financial studies. Discounted cash flow may be confusing to some. The problem is that this is not based on simple addition and subtraction. There are a lot of financial formulas that need to be used because one has to factor in the value of treasury notes and the span of time that has elapsed since the assets were purchased. In general, people who want to manage their finances should consult an expert in finance management, whether this is personal or corporate finance. It is always best to consult experts like those at CL King and Associates when developing finance metrics, to be sure that the things being measured are ultimately aligned with the goals of the company. To learn more, consult with the experts at CL King and Associates. CL King’s Corporate Services unit offers specialized services and objective advice to help corporate clients achieve flawless execution directly in the capital markets. You can call at 518.447.8050 Or visit here: http://www.clking.com/ Project Portfolio Management is not just about managing several projects. PPM is management of the project portfolio so as to maximize the contribution of projects to the overall welfare and success of the enterprise. For PPM to be effective, projects must:
Let's talk about some ideas to help align projects with a firm's strategy and goals. Align Projects with a Firm's Strategy and Goals So how do you align projects with corporate strategies and goals? Michael Stanleigh suggests three things to help:
Develop a systematic approach to prioritizing all projects
Align projects to corporate and departmental strategic plans
For more details you can consult with our experts at CL King and Associates. CL King is Uncovering Hidden Investment Opportunities Since 1972. We provide investment banking, equity research, sales and trading, and investor services to corporations and institutions. Call us 518-447-8050 today and let us explore some best investment deals for you! Or visit us here: http://www.clking.com/ People might wonder why there is a huge requirement for corporate finance graduates and there are numerous reasons for it. Any corporation will have a lot of financial issues and it has to be managed by an expert in corporate finance as the firm will have to manage the capital, improve on their assets and work on what to invest and what to eliminate.
The role of corporate finance graduates will be to assist the corporation in making the right decisions so that the organization ends up with a maximized profit for the investments being made. Having said this universities and colleges in the United States and Canada are aimed at providing real life situations for students and the cases are thoroughly studied for the students to develop knowledge in this subject. Analyzing a practical situation of a company and trying to provide a solution for it during a course in this subject enables the student to make appropriate decisions when they work for a corporation. There will be constant assignments for students to get the maximum exposure related to the real life situations and these assignments will also test their understanding of the concepts being taught in college. The decision made by subject analysts will have a great role in the performance of the company and it also affects the profit of a firm. Hence, every decision made by the finance analysts will require a thorough study of the situation and lot of analysis goes into the process of decision making. The finances of the company and its operations are pretty much related to one another and hence any decision made as far as the capital, investments, finance will directly affect the company's growth. Hence this is one of the major reasons why companies are very strict in hiring a specialist in corporate finance to make all the decisions on behalf of the company. It has got a lot of scope in the company sector and students studying the course must focus upon solving the assignments carefully as it involves practical exposure to the problems in a company. CL King & Associates is a full-service investment bank and self-clearing broker-dealer founded in 1972. At C.L. King & Associates, we enjoy a strong sense of pride and teamwork. Committed to professional development, C.L. King nourishes the strength of its dedicated team members. Recent MBA graduates or MBA candidates looking for internship opportunities in financial services can submit their resume to [email protected]. Community bank merger & acquisition is an exclusive financial activity which makes the bank authorities to face challenges in a variety kind of issues. That's why, community bank officials including officers and directors should consult with expert M&A advisers to recognize different liability issues that might crop up during a community bank merger & acquisition.
Here are discussed different type of issues discussed by our experts at CL King that community bank officials may come across while dealing with a community bank merger & acquisition. Squeeze outs - Major shareholders in community banks squeeze out minor shareholders by giving them compensation. The minor shareholders may feel upset because of the forced transfer of shares to major shareholders or they might oppose against the offered compensation package. Leveraged buyouts (LBO) - In leveraged buyouts, the turnaround firms focus on to use the assets of the acquired community bank company as leverage for avoiding a large cash issue required to cover the entire cost of the acquisition process. Theoretically, it is a commendable procedure to merge the loss making community banks with top-trading organizations to boost its financial condition. In actual practice, buyouts in community bank merger & acquisition was performed to make the investment bankers, executives, board members, and lawyers wealthy while giving a negligible profit to investors. The court may just declare the buyout formula to be completely unfair or top level management is found to have gained huge profits through the merger and acquisition. Technical Issues - Unforeseen technical problems may arise when merged community banks attempt to integrate their information systems. It can lead to potential computer system integration issues like account statement errors or non functional ATM networks. As a result, customers may complain or shareholders might claim. Varied Culture Issues - Sometimes, varied culture issues develop during community bank merger & acquisition. The merged bank's culture may not match with the acquiring institution's work culture and force the dissatisfied employees, investors, customers, or business partners to take legal action against the bank authorities if the banking service standard gets affected. Operational Or Financial Issues - If the merged or acquired institution has a unique operational feature like financial brokerage or insurance services, operational problems may arise. Operational and financial issues resulted from the management's decision to merge with an irrelevant and new service may cause employees and customers to file legal suits against the involved bank authorities. Inadequate Support And Flexibility - Inadequate support or flexibility is the most common complain made against bank officials if issues appear after the completion of community bank merger & acquisition. Wrong financial analysis, deception of the financial data by the acquired entity and incompetent review of the investment portfolios and loans are some of the common allegations that bank officials might have to face during bank merger and acquisition. Recruitment Issues - Sometimes, job restructuring or employee cutoffs is a condition for the community bank merger & acquisition process. On few occasions, restructured or laid off employees will pursue legal proceeding to resolve the matter. Additionally, the shareholders may raise voice against the succession planning by the management. However, the bank authorities can manage to overcome these issues successfully with the guidance and advice of an M & A adviser. For more information consult with the experts at C.L. King and Associates C.L. King assists sellers and buyers to negotiate complex transaction terms for mergers, acquisitions and divestitures and also advise owners, boards and management teams on strategic alternatives and valuation. If you have a public company or are in the process of taking your company public on the OTCBB or any other reputable exchange, the reader must realize that going public is the easy part, having a successful public offering and preserving the longevity of your public entity is another topic all together. As a corporate strategies and public offering facilitator our firm is often called in after a company has a disastrous public offering or they've teamed up with the wrong service solutions that pump and dump their equity positions. Here is the problem that most companies make when they are going public: companies don't budget properly for general corporate publicity or solid investor relations strategies for the first year that their company is public. Investor relations and publicity stock promotion activity should be at the forefront of every public CEO's mind. If you are signing a large contract, publicize it with press releases, viral promotion and TV and radio expert panel discussions. When we take on a company for serious investor relations our campaigns are obviously completely customized but here is the skeletal structure of a prototypical campaign: strong viral publicity strategy consisting of video, article and press release submission, social and news book marking, logo and image posts and after this information has assimilated we get the client on prominent TV expert panel discussions with their name, company name and stock symbol on the screen. Lastly, we then run two simultaneous 30 day stock promotion intensives with a massive injection of investor promotional concepts on both sides each day which consist of newsletters and stock alerts to ultra-active investors and other strategies daily. The important thing to remember is that the above must happen monthly for the first six months to a year in order for your company to successfully trade. There is no other way around it, you must budget for your investor relations campaigns or your venture simply will not work. Do you need an ironclad Investor Relations Strategy that will work? Do you want a legitimate, quick and easy way of taking your start-up or small business public? Do you want to talk to a consultant that will help you decide which path is best for your company? Call CL King & Associates today at 212.364.1830 or visit at http://www.clking.com to learn the ways to take your company public in an affordable manner that will achieve your goals and begin raising capital quickly. Investing wisely is extremely important. The best corporate bonds can be a great long-term investment that will provide you with the yield you are looking for, but only if you know how to identify what makes one bond better than another. By having a better understanding of what a bond is and how it is rated, you can make wiser investment choices within your portfolio.
Corporate bonds have traditionally been intended for large-scale investors because of the amount of money required. You will need upwards of £10,000 to invest, however it can be worth your while depending on the coupon rate as well as the maturity date. Corporate bonds are similar to making an investment into the company, which is not to be confused with being a shareholder. If you wish to be a shareholder, then you want to purchase stocks. All companies that offer bonds are rated. Moody is one of the top financial firms that are responsible for rating firms. What they look for is the financial stability of a company and then provide a rating, ranging from AAA to C. AAA is the safest and strongest bond that you can purchase while C is considered a very high risk bond. When you are looking for the best corporate bonds, you must be aware of the ratings. You should be working with a financial adviser when it comes to corporate bonds because you are investing such a significant amount of money. A financial consultant can provide you with a prospectus that gives you all of the information you need to know about the various bonds that you are considering. This includes such things as the coupon rate, the financial rating as well as the cost of the bond. When you are working with a financial adviser, you need to have access to a bond calculator. This will help you establish what the yield is going to be based upon the cost of the bond, the coupon rate as well as the maturity date. Before you make any kind of investment, you want to see what your return is going to be to see if it's worth tying up that kind of money. Another thing to look for with the best corporate bonds is the ability to convert the investment into stocks. You want to make sure that you are making the best investment choices possible. When you find corporate bonds that can ultimately be converted into company stocks, you have the ability to make more money. There's no reason to go into any kind of investment blind. You have the ability to make a lot of money with corporate bonds but because it requires such a large initial investment, you need to know how to identify the good opportunities from the bad ones. By understanding the risk, the yield and your potential for conversion later on, you can make better decisions and thus more money. Risk is always there, but you can eliminate a lot of it when you take the time to learn about your investment options and seek out an adviser that can assist you. To learn more, consult with the experts at CL King and Associates. We co-manage bond offerings, IPOs, follow-ons, secondaries, convertibles, and preferred. CL King has acted as Co-Dealer Manager on Verizon’s $1.9 billion cash tender offers for 8 series of debt securities of Verizon and many such big companies. Identified as assistance sold by investment bank to hedge funds, prime brokerage has core services that normally appear in a package. They have the likes of global custody, securities lending, financing, customized technology and operational support. Global custody involves defrayal and supervision as well as asset examination. Securities lending is the sale of guardianship affiliated to the ensuing buy- back of equivalent safety by means of an accord. This is done to ensure that the one who borrowed is capable to meeting the liabilities upon deadlines. It is prepared by putting it up in collaterals that can come in cash as well as in other items. Financing studies and addresses the means by which entities, single or multiple, raise and allocate the pecuniary resources over a certain period. It is also there that the risks involved will be taken into significant consideration. Customized technology offers circumvent subsidy executives with updated reporting in a portfolio style. This is important in order to effectively handle accounts. Also, this is another way of handling it in full responsibility especially when the amounts are substantial. There is that tendency to be confused on what should be the correct action to take. Operational support crafted for chief agents that functions as a hedge fiscal primary procedures communicate with the rest of the other dealers. Prime brokerage is also to give supplemental service that will include capital introduction, space leasing, risk management and consultancy check. Capital introduction is a process in prime brokerage wherein the agent tries to launch its prevaricate supply customers to those that are qualified as well as those who are interested in venturing into fresh opportunities for investments. Space leasing is where particular agents rent a commercial real estate then will also have some blocks chartered in order to support its tenants. This typically grants a group of on- site services for customers who use their area. Risk management is a provision of risk analytical method. This is usually added by discussing it with senior professionals. There is no more better way than to obtain sound advice than to those that are experts on the said aspect. Consulting services is where in prime brokerage, it is backed- up in fiscal matters as it concentrates in issues that have something to do with regulatory establishment requirements in the boundary where the manger will reside as well as in the jurisdiction where the accounts are domiciled. History would render that the term was generally attributed to an American citizen named Furman Selz. It was in the late 1970's that it had a niche in the market, portfolio management was an important test. It was also where fiscal managers had to religiously look into their own trades as well as collaborate their positions and compute their performance. If you want to learn more, consult with the experts at CL King and Associates. The firm offers investment research, equity and fixed income sales and trading, prime brokerage, investment advisory, and clearing services. Call at 518.447.8050 to find more! Also read: The Upside to Trade Finance Advisory If you want to earn some extra money on the side then the stock market is always a popular choice. A relatively new technology which has long been used by the pros but has only recently become available to ordinary traders is that of the stock picker. Here are 3 reasons to use a stock picker to trade more effectively in the day trade/stock market.
For more information on a stock picker and for reviews on the best tested pickers on the market today, consult with the experts at CL King and begin your path to financial independence once and for all today. We’re pleased to announce that CL King Analysts Mike Gallo and David Westenberg have been recognized as Top Stock Pickers in the 2018 Thomson Reuters United States Analyst Awards, which were previously known as StarMine awards. To align with CL King experts' capabilities call at 518.447.8050 |
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