Obtaining credit in a tight market

The economy has turned a corner and, while there are many encouraging signs, volatility is likely to remain for some time. Some midmarket companies have put in ‘patient capital,’ cutting costs and instituting other measures that helped them emerge from this downturn with little damage. Some are even stronger than they were before thanks to conservative financial moves that allowed them to avoid taking on excessive debt. Many midmarket companies, however, have high debt levels. At the same time, many...

How to Choose the Right Bank for Your Company

The downturn resulted in a record number of bank closures, often disrupting existing relationships. For many midmarket companies, that means moving on from bankers and relationships that worked well for years and starting a new search for a bank that will not only provide credit but will also become a business partner. It is very important to cultivate a good relationship with bankers, making sure they understand how the business works and what the cash and ...

Health Care Reform Explained

The recently enacted federal health reform legislation brings watershed changes to the way health insurance is structured, offered and purchased in this country. In three main phases beginning in 2011, the legislation is expected to decrease the ranks of the uninsured by millions and, over time, decrease the dollars Americans spend on health care by trillions. Employers and the group insurance plans they offer are squarely in the middle of the health insurance overhaul. For a more detailed explanation of all the challenges new health care legislation brings for employers, insurers...

In uncertain times, taking a counterintuitive leap of faith

We are clearly living in a period of extraordinary uncertainty. The events that are unfolding and will continue to unfold in front of our eyes will undoubtedly alter forever the economic models of the U.S. and most likely the rest of the world. Yet today’s economic turmoil may very well offer opportunities for healthy family businesses with strong core competencies, ....

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