What I write about.
Practical articles on small business lending, commercial real estate, and building in Philadelphia.
CDFI vs. Bank: Which Is Right for You?
A CDFI loan officer gives the honest head to head: CDFI vs bank on speed, rates, credit flexibility, and loan size, plus a simple framework for choosing.
Read article →The 5 C's in Action: How I Use Them to Say Yes or No
Last week I gave you the five questions behind every loan decision. This week I show you how I run a real file through all five in about ten minutes, and where most applications die.
Read article →The 5 C's of Credit: What Lenders Check
An underwriter explains the 5 C's of credit in plain language: what lenders check before saying yes, and how to strengthen each one before you apply.
Read article →Founders Alley Philadelphia Returns October 20 at Pennovation Works
Founder and investor panels, a startup showcase, practical founder resources, and a full day built around useful connections.
Read article →A Practical Guide to Commercial Real Estate Underwriting
How lenders size a commercial real estate loan, from net operating income and debt service coverage to loan to value, loan to cost, and stress testing.
Read article →A Loan Officer's Perspective on Financing Philadelphia's Rowhome Rebuild
Three practical lessons for small developers weighing a sale, rental, or refinance after rebuilding a Philadelphia rowhome.
Read article →Give Philly Kids a Real Lyft
Guest commentary by Amaury Abreu on the proposed Philadelphia rideshare tax for schools, and a fairer approach to funding education.
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