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We Are Responsible
We make the choice for fairness - or not.
Effective Managers Understand Psychology
Novice managers often struggle to get the best out of their people because they labor under a one-dimensional view of what motivates their employees. In this article, Leslie Allan illustrates how a little psychology can return huge dividends.
Borrowers struggle to resuscitate their overburdened properties
More than $400M in mezzanine and other alternative debt have been issued in the U.S. so far this year, a dramatic increase over the approximately $210M that was issued in 2009.

Joint Venture Equity
Since institutional equity providers prefer larger deals, developers looking for $3 million in equity, for example, have a hard time getting their attention. But if an organization has the capacity to do seven deals a year, for instance, then the amount of equity inches up in the aggregate of $20 million to $30 million over 12 months, and it hits the threshold where it makes sense.
Loan Guarantees Main Source of Fannie Mae and Freddie Mac Losses
Single-family homes accounted for 73% of Fannie Mae and Freddie Mac's capital losses from the end of 2007 through the second quarter of this year, their regulator reported this week. The guarantees resulted in losses of about $166 billion during that period.
Economic growth has slowed considerably since earlier in the year
Brian A. Bethune, IHS’ chief U.S. economist called the Fed's assessment “surprisingly frank description of current economic conditions.”

HUD adds another $1B to Stabilize Hard-Hit Neighborhoods...Total $7B
In addition to a third round of NSP funding, the Dodd-Frank Reform Act creates a $1 billion Emergency Homeowners Loan Program to be administered by HUD. This program will provide up to 24 months in mortgage assistance to homeowners who are at risk of foreclosure and have experienced a substantial reduction in income due to involuntary unemployment, underemployment, or a medical condition.

Loan Guarantees Main Source Of GSE Losses
The government-sponsored enterprises' (GSEs) guarantees of single-family homes accounted for 73% of Fannie Mae and Freddie Mac's capital losses from the end of 2007 through the second quarter of this year, their regulator reported this week. The guarantees resulted in losses of about $166 billion during that period.

SMEs - SME finance and capital formation
Where should developing countries focus their attentions in respect of SME finance?
Business Loan: The Debt to Equity Ratio
So, your business and personal credit is OK and your have solid cash flow, yet your bank keeps refusing your business loan application. Find out why.
How big is the 2011 oil price shock?
Each of the last five major downturns in global economic activity has been immediately preceded by a major spike in oil prices. Sometimes (e.g. in the 1970s and in 1990), the surge in oil prices has been due to supply restrictions, triggered by Opec or by war in the Middle East. Other times (e.g. in 2008), it has been due to rapid growth in the demand for oil.
Ten States Losing White and Blue-Collar Jobs
The unemployment rate for workers with a college degree is 4.4 percent, as compared to 10 percent for those with only a high-school education. Nonetheless, an analysis found that some seven states have decreased the percentage of their workforce in white-collar jobs over the past decade.
Out-of-Work Architects Turn to Stalled Projects
There is a mismatch between stalled projects that make some economic sense and the billions of real estate investment dollars on the sidelines. There just seemed to be a lot of stories about how projects that seemed like they made a lot of economic sense just couldn’t get financing.
SME - EQUITY FINANCING INSTEAD OF BANK LOANS
The perennial issue of small firm financing is once again to the fore as small and medium sized firms (SMEs) are experiencing a challenging financing environment in the aftermath of the global economic and financial crisis. A combination of factors has contributed to a credit crunch for small firms. Businesses struggling with negative effects of the recession are experiencing liquidity problems because of increased bad debts and slower payments by debtors.

Reasons To Try Federally Backed Instruments:
To meet their credit needs, a number of commercial borrowers are turning to the U.S. Department of Housing and Urban Development (HUD) and its mortgage insurance arm, the Federal Housing Administration (FHA). In the process, they are discovering the qualities that make HUD/FHA loans attractive in any economic cycle.
Big Consolidation in Solar-equipment
Tumbling solar-cell prices are provoking forcing M&A deals. Tougher Chinese competition and declining solar-energy incentives in Europe, are causing manufacturer to disappear and there is significantly more supply of solar modules than demand.
Don’t Make Mistakes In Sources Of Capital And Financing For A Canadian Business Loan. Debt Or Equity? What’s Best?
Information on sources of capital for Canadian business financing . Whether is a loan, equity, or monetization of assets key analysis is required for any finance strategy .

Other equity Related Articles

Venture Capital Financing
Venture Capital is a source for raising equity for your business. You must have a good proportion of your funding in the form of equity before lenders would feel comfortable about lending money for your small business. Venture capital funds also does not involve inflexible terms for payment of interest and repayment of the principal. What are the factors that affect your ability to raise venture capital?
Understanding Equity Capital
Equity capital or financing is money raised by a business in exchange for a share of ownership in the company. Ownership is represented by owning shares of stock outright or having the right to convert other financial instruments into stock of that private company. Two key sources of equity capital for new and emerging businesses are angel investors and venture capital firms.
Equity Financing
Most small or growth-stage businesses use equity financing in a limited way. As with debt financing, most of the time additional equity comes from non-professional investors such as friends, relatives, employees, customers or industry colleagues.
Private Equity Lessons for the Startup or Entrepreneurial Company
The November issue of the Harvard Business Review poses a tough question to the management of public companies: “What If Private Equity Sized Up Your Business?” The question comes on the heals of recent revelations that public companies are facing increased scrutiny by Private Equity funds both favorably as, for example, an acquisition target or adversely, as a mismanaged and underperforming asset in need of reform. The article goes on to identify five trends that develop when Private equity gets involved. The purpose of this article is to highlight the premises upon which these five trends are based. Understanding this premise will lend valuable insight and strategic fodder for Start-up or Entrepreneurial companies as well as seasoned businesses.

Start-up Financing & Equity: What is Dilution?
Equity dilution reapportions a stockholder’s percentage of equity (stock) in a company. Here’s a scenario to demonstrate how equity dilution works.
How to think out of the box regarding Equity
Equity is expensive and investors want to buy assets for 10 to 30 cents on the dollar. There are a number of different sources for equity that can be accessed.

China is No Longer an Emerging Economy!
As I woke Monday morning I saw that the Asian markets, particularly the Shanghai Composite, were selling off sharply. And I thought to myself, “oh no, here we go”. My general feeling is that the US equity market is overbought as the valuations haven’t quite caught up to price. Yet the US equity markets finished the day positive. What gives?
How to Determine Your Business Success with Financial Ratio
If you’ve ever wondered how well your business is doing - truly doing - one way to clear up the mystery is to use financial ratios. Financial ratios are used by accountants and bankers to evaluate everything from your current income ratio, to debts, to inventory, and even your return on sales or capital investments. A lower ratio means a more severe problem. Another important assessment step in financial ratios is estimating your debt equity ratio. The debt equity ratio compares debt and equity and the two types of capitalization.
Joint Venture Equity
Since institutional equity providers prefer larger deals, developers looking for $3 million in equity, for example, have a hard time getting their attention. But if an organization has the capacity to do seven deals a year, for instance, then the amount of equity inches up in the aggregate of $20 million to $30 million over 12 months, and it hits the threshold where it makes sense.
Money Speaks - Bankers Jargon! Doesn't anyone speak English?
In simple terms, debt to equity explains the financial health of the company. For example; suppose your company has a debt to equity ratio of 4 to 1. To a banker, that means there is $4.00 in debt compared to $1.00 invested in the company. In other words, your lenders own more of your company than you do. So, if you were asked to lend money to your company at this type of ratio, would you?
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