01
Why Cutting Costs Won’t Save You
If you're watching the U. S. government right now, you’ll notice one thing: they have absolutely no intention of reducing their debt.
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Money & Ownership
Practical thinking about cash flow, profit, debt, wealth, and the responsibilities of ownership.
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02
Take the Punch. Build Anyway.
This week was chaos—but the good kind. We moved bookkeeping back to Canada, wrangled a credit card disaster that a “banking upgrade” caused, reconciled our accounts, and worked on E-2 visa plans for the U.
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What If Your Business Sells and You Have Nothing Left?
It’s the end of another week—and a meaningful one.
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Why We're Choosing to Spend Less Time in Canada
It’s Saturday. Time for my weekly wrap-up on this wild journey: 👉 Trying to start a business in the U. S. 👉 Preparing to spend months in Spain 👉 Untangling what’s left of our Canadian life We leave on September 2.
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My Legs Hurt, Boomers Are Hoarding Wealth, and Canada Is Tipping Into Irrelevance
Today was a walk, not a run. Normally Saturdays are for running, but I cashed that in yesterday when the sun came out and reminded me that life can be pretty good.
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What should business owners invest in?
Running a business and generating cash is tough. I am often asked, "what should business owners invest in" once they have made it out of the Struggling Quadrant .
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dylan's updates May 17 2022
[1:15] Cash Flow Quadrant for Business Owners [3:46] Managing personal burn rate [5:26] Planning cash for our busy season [6:56] On demand labour platform update Market News [13:19] Layoffs and more jobs than ever are available [15:54] US…
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Cash Flow Quadrant For Business Owners - An Introduction
An introduction to the Cash Flow Quadrant For Business Owners What quadrant is your business in?
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dylan's updates May 10 2022
[00:58] Working on measured growth opportunities [4:02] Managing tight cash flow [7:21] Creating versus managing value Market News [9:29] Inflation is real and silent [14:03] Crypto is unraveling [19:24] Labour unionization strategy for…
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dylan's updates April 19 2022
Tune in today as Dylan goes through his recent tweets about: - cash flow management - not getting too far ahead of yourself - telling your competitors everything Twitter: @dylangallagher Connect with dylan on LinkedIn at: https://www.
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Are you stressed or scared about your business finances?
Are you stressed or scared about your business finances? Business finances are a consistent point of stress for entrepreneurs.
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How to guarantee your business is approved for financing
In their own mind, every entrepreneur thinks that their business is a slam-dunk opportunity for a banker or investor to consider.
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You need to copy them before you can beat them.
There are moments when everything is going well. Money is in the bank. Profit is finding its way to the bottom line.
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15
Finding the energy
I wish it was easy. I wish the things in my head could easily be put into place. Marketing strategies would just work.
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Should you take the money?
When faced with difficult situations involving the cash your business needs, it can be easy to think that finding new money to put into your business will solve your problems.
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(1/5) Where do you manage your greatest asset?
The most obvious opportunities can often times be the most overlooked opportunities. Most entrepreneurs know that it costs less money to serve an existing customer than it does to try and find a new customer.
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$3 billion dollar Rockstar
There is opportunity in every market. Even the competitive ones. Even the competitive ones where the competitors have more money, time and resources.
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What is your competitive advantage?
You always need a hook. You always need an angle. If you want to have a profitable and valuable business, you need to do at least one thing better than your competitors.
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What is the easiest goal you can set?
Do you feel the need to set a goal for your business? Are you are struggling to pick a goal that is meaningful enough to pursue that will get you out of bed in the morning?
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What is your business re-investing in?
Investing in your business is a concept many entrepreneurs are familiar with. Take your profit and put it to work in your business.
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Who's better than your business?
You might know who your competitors are and you might not. You probably show up for work every day looking to do the same thing you did yesterday in hopes of servicing some customers and maybe putting some money on your bottom line.
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Why is being profitable so hard?
It's easy to come up with an idea. It's easy to start a business. It's hard to be profitable. Profit is a funny thing because it doesn't really show up anywhere and often times don't know you don't have any until its too late.
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You can't discount your way to profit.
Price. Price. Price. Many entrepreneurs feels they could sell more if they simple lowered their prices.
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You can't discount your way to profit. Not even if you are Under Armour.
Price. Price. Price. Many entrepreneurs feels they could sell more if they simple lowered their prices.
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Every entrepreneur is betting on the future.
A question that many entrepreneurs have a hard time answering is: "What would your business do with a meaningful investment?"
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A bad decision and $200MM of debt.
Making a decision to borrow money or accept investment capital while under pressure or without a credible business plan, can be a decision you regret for a very long time.
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Are your profits a Ferrari or a Mercedes-Benz?
It's hard to believe if you haven't had any first hand experience with the concept of perceived value but it is very real.
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Need an emergency loan? So does Aston Martin.
Business challenges are real. At some point the failures made in your business will surface if you haven’t gotten ahead of them.
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People matter. Taco Bell to pay managers $100K per year.
Business is people. No matter what business you are in - people matter. In order to improve the experience your customers or clients have when they interact with your business, you need good people.
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Think your business needs money? WeWork borrows $1.75B
When your business is in trouble it can be easy to think that borrowing money is the easiest fix you can make, but money comes at a price.
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Robinhood went from 1st place to last place. Where is your business?
What got your business here may not get it there. Whatever advantage your business used to gain customers and market share may not continue to work as your competitors adopt and improve what was once unique to your business.
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$4B in sales to bankruptcy. Forever 21 is a lesson in how not to grow.
When your business is on fire and doing well, you want to capitalize on growth as quickly as you can so you don't miss your window of opportunity.
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When the market changes do what Harley Davidson is doing.
One of the greatest aspects of business is that nothing stays the same. Entrepreneurs need to stay on their toes to win market share and ultimately profits.
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Be the best once and do it again. Like Warby Parker.
There are no shortage of opportunities in the marketplace. There are no shortage of opportunities your business can take advantage of.
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More profit. Less revenue.
Listen to the podcast here: If you are having a hard time increasing your sales but still want to increase your profits, how do you do it?
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How much should you pay yourself?
Listen to the podcast here: Does the money you take out of your business equal the value you are putting in? When should you be on payroll and when should you take some profit?
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I'm finding it difficult to manage my personal finances after starting my own business. My business is growing fast, but I can't afford an accountant. What do I do?
Managing your finances is probably one of the hardest things to do as an entrepreneur running a business.
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What's the business #goal?
Listen to the podcast here: "If you don't know where you are going you'll end up some place else" as said by Yogi Berra and used in different variations in almost every business book or self help book.
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How are you taking #money from your business?
Listen to the podcast here: They say interest is a silent killer in any business.
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Where's my money?
Listen to the podcast here This is a question I encounter many times when reviewing the cash flow and profitability of a business with either the entrepreneur or person running the business.
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What are pro forma financial statements?
Listen to the podcast here What is your balance sheet going to look like next year? The year after? What about three years from now?
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There is #NoFreeMoney for your business (ever)
Listen to the podcast here It's going to cost how much!!! You must be crazy!!! That comment is made by entrepreneurs and business owners after hearing how much it costs to borrow money from either a mid market or private lender.
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#OneQuestion to ask yourself about your business
Listen to the podcast here: Answers are easy. Asking the right question is hard. Over twenty years I have developed a skill for asking questions (to the dismay of my wife and family but that's for another post).
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$60 billion tells us there is a market somewhere
We all know that money doesn't disappear it moves. Right now the price of oil is sinking which means that money is moving from one side of the market to the other.
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If Marc, Fred and Bill can talk about it - so can I
That would be Marc Andreessen, Fred Wilson and Bill Gurley (if you don't know who they are Google them).
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How a bad date and working with a bank are the same
Admit it. Either you or somebody you know has had that experience of getting excited to go on a date only to be more than disappointed.
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When a Canadian success story is $1-billion we should take notice
Let's face it - $1-billion dollars is a lot of money. Reaching a value of $1-billion dollars is a lot of success.
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Christmas shopping isn’t the only thing that happens at the last moment
As a mortgage broker it seems over the past few years that more people come to us at the 11 th hour needing money at the last possible moment.
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Did you read the fine print in your mortgage? This client didn’t
We recently completed a mortgage for client that was refinancing his property to get a larger mortgage and use the additional funds for investment purposes.
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Prepare for the cash you will need
In continuing with the theme from yesterday's blog (click here ) here are some ideas on how to prepare for the cash your business may need.
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Canada doesn't like risk eh?
What do you think? Generally speaking, is Canada risk adverse?
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Who wants to work 24 hours a day 7 days a week...and worry about money?
Who in their right mind would want to work 24 hours a day 7 days a week and worry about money? Entrepreneurs that's who!
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Here is a sure fire way to freeze up the economy
If you own a home or have ever purchased a home but did not have more than 20% to use as a down payment chances are that your mortgage needed to be insured by CMHC or another company.
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1,000 pages later
Talk to any banker, lender, mortgage specialist or broker about paperwork and one of their biggest frustrations would be "when clients send me their information in bits and pieces over dozens of emails and faxes".
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1 thing to know about commercial mortgages
I was sitting with an RBC mortgage specialist today who is also a good friend of mine. We were discussing the woes of life and catching up on industry news and market changes.
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3 reasons business loans are not approved
I was reading the results of a survey conducted by the Business Development Bank of Canada (BDC) that highlighted three main reasons why companies seeking financing were not able to obtain the loan they wanted.
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9 days turns into 90
I was reminded today that in our business days turn into months without even noticing it. I have a client that is seeking a refinance of a private mortgage and had expected to have everything completed at the beginning of September.
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$50,000 could be available for your business
Many small businesses have a hard time with technology.
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The most popular business loan request we get
"I own a business and we need some money, can you help?" "What do you need the money for?" "Oh lots of things..."
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Don't bother me...what are pro forma statements?
As much as I enjoy working with small businesses, one of the points of friction when discussing business loans (or commercial mortgages in some cases) is the matter of pro forma financial statements.
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Do lower interest rates really stimulate anything?
DISCLAIMER: I am not an economist nor to I pretend to be. What I am is an entrepreneur who has owned and operated a business for more than a decade.
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Why do private lenders matter?
The year was 1996 and I was sitting across the desk from the man that would not only teach me about private lending but would become a mentor, investor and friend.
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Imagine if banks really understood their value
I feel stirred having read this article in the National Post yesterday ( Scotiabank’s outgoing CEO Rick Waugh: Customers may not like us but they feel comfortable and safe ) for several reasons.
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What if credit scores did not exist?
As a pick-up from yesterday (click here ) regarding why credit scores are so important I thought I would offer another side of credit scores: What if credit scores did not exist?
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How much does my credit score really matter?
It's amazing to me that many of the clients that come to us seeking a mortgage or loan do not know their credit score.
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Understanding construction mortgages (cost vs value)
Given the numerous construction deals that our office has seen over the past half year, I thought I would provide some details on how construction mortgages work with particular focus on the concept of "cost to complete".
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Should I get a second mortgage?
This is a great question that we often get asked and often consider when someone really needs cash but may not qualify to refinance their existing mortgage OR they do not want to pay the penalties associated with paying out an existing…
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This won't make me popular but it makes sense
CNN Money posted an article today titled " BofA considers account that puts an end to overdrafts " which I think is a brilliant idea.
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Bank is 7 days behind (and its not their problem)
Here is an excerpt from a major bank in Canada that sent a message to brokers today (keep in mind that today is October 18) "we...
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Tomorrow - Google Hangout with Bob Dubask
Tomorrow (Thursday, October 17, 2013) at 10 AM I will be chatting with Bob Dubask in a Google Hangout and among other things we will be discussing reverse mortgages, HomeEquity Bank and some general conversation around seniors and their…
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Would you borrow more if you could?
Seems like a strange question but if you could borrow more - would you? Watching the news regarding the debt ceiling events unfolding in the US has me thinking about this question as it relates to individuals and businesses.
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Starbucks has my money
I was standing in line at one of many local Starbucks I frequent with a good friend of mine who was watching me use my Starbucks app and said "how much money did you give Starbucks?"
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New breakfast spot in Calgary (and a client)
This morning I had breakfast at a new restaurant in Calgary called Red's in Ramsay ( Facebook page ) who also happens to be a client.
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It's going to cost how much? Is that even legal?
It's going to cost a lot. By a lot I mean more than usual. Your expectation will be that it will not cost a lot only to realize that the interest rate is high and the fees are ridiculous.
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What do turkeys and mortgages (loans) have in common?
What do turkeys have in common with mortgages and loans? Nothing. Well not really other than the fact that this week BridgeMyCommunity.
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But what if our business doesn't make enough money?
In working with a client recently, we were discussing their projections for the current year because they are looking to payout some higher interest debt on their balance sheet with less expensive debt that they thought might be available…
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So what if the US shuts down? (again)
So the headlines and some Twitter feeds are making mention of a story that seems to be getting tired (and I am not even an American).
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Ok - so when do I get the money?
I heard this questions twice in one hour today from individuals looking for money and thought I would take a moment to speak about it for everyone who is not in our business as a way of letting you into our world.
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$9,000 almost cost a client their new construction home
It doesn't happen often but sometimes we get to the last days of a deal when all of the pieces can be broken a part by one small unforeseen change.
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2 clients that hated our service
It's not every day that a company will share the complaints it receives from its customers but I thought it would be a great opportunity to address some of the things we deal with that people may not know or care to know.
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The one topic I address most often
If someone were to ask me "what is the one topic you have to answer or address most often" I would without hesitation say interest rates.
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3 lessons from a 30 minute meeting with an investor
I sat with an investor last week that was looking for some input on a deal that was presented to him through a friend who was seeking short term financing for his company.
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For all my talk of innovation, this Calgary company walks the talk
I attended a panel discussion breakfast earlier this week that including a senior banker, an ABL specialist and an individual who is the President and CEO of Calgary based Alaris Royalty Corp.
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What does a soccer game and a request for money have in common?
This weekend both of my boys, who are 8 and 7 years old, had soccer games and are almost finished their season.
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One man's junk is another man's treasure
In pondering some of the challenges that Canadian banks are facing with respect to their margins and product offering, I read an article today in the Financial Post ( Canadian plants putting Detroit’s oil sands waste pile to use ) that…
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You need a personal guarantee? No way!
Imagine for a moment that someone approaches you and asks if you would be willing to lend them money.
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How a small business can profit in slow times
If you believe like I do that the world economy (and to a lesser extent the Canadian economy) will continue to be mediocre at best then small businesses have an additional challenge in front of them in the form of being profitable or…
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US to short Canadian banks
The following article has some interesting points in it about the Canadian real estate market and banks (see http://www.
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The cost of tomorrow - how much is it?
I am once again reminded this week of how procrastination has a real dollar cost to a business.
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CASE STUDY - Land...they are not making more of it
Another big file off our desk this week. We completed our third transaction for a group that purchases land and then works to increase the value for eventual sale or development.
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CASE STUDY - Build a restaurant and they will come
I am just wrapping up a construction mortgage for a group of folks that are opening a second restaurant in Calgary, Alberta.
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How healthy is your business? Part 5 [VIDEO]
We have come to the last posting that has covered the 5 financial ratios contained in our FREE Business Health Check designed to give SME businesses and starting point for understanding how their business can do more.
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How healthy is your business? Part 4 [VIDEO]
In this fourth posting about the financial ratios that help businesses understand how they can do more, we cover a Debt Service Ratio and what it means.
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How healthy is your business? Part 3 [VIDEO]
We are in the middle of reviewing 5 financial measurements covered in our FREE Business Health Check that can provide your business with an understanding of what it can be working on to help it do more.
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How healthy is your business? Part 2 [VIDEO]
In this second of five postings we pick up where we left off and cover what a Current Ratio is.
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How healthy is your business? Part 1 [VIDEO]
Over the next several blog entries we will be reviewing 5 financial ratios that can provide you insight into your business and how healthy it is.
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Earn less than $10,000,000? No CFO? No Controller?
If your business generates less than $10,000,000 in annual revenue and don't have a CFO (Chief Financial Officer) or senior Controller you may want to consider getting a FREE Business Health Check .
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Commercial Mortgages Part 3 - Guarantees [VIDEO]
In conclusion to this three part series of posts on commercial mortgages, this post will provide information on a very sensitive issue - guarantees.
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Commercial Mortgages Part 2 - Debt Service [VIDEO]
As a follow-up to the first part, Commercial Mortgages Part 1 - Equity , this post deals with debt service or the ability of a borrower to make the mortgage payments.
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Commercial Mortgages Part 1 - Equity [VIDEO]
One of the easiest places to start with a commercial mortgage is the equity that will be involved.
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Bank versus lender
Often the question is asked of us from people and businesses looking for a mortgage: "What is the difference between a bank and lender".
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The best type of brokerage service
I once heard it said that any type of brokerage business is a result of an inefficiency in a marketplace. Customers will use brokers to get a job done that they either do not want to do themselves or don't know how to do.
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1 question to ask your accountant
Every year when you and your accountant meet to discuss your financial statements (i. e. Notice to Reader, Review Engagement or Audited) ask your accountant -what do you think?"
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3 commercial mortgage tips
Sometimes it is helpful to know some basic pieces of information before you contact a bank, lender or broker seeking a commercial mortgage.
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107
Don't lower your score - check your credit
If you are looking for a mortgage, shopping your mortgage request to banks and brokers can lower your credit score and may impact your ability to be approved.
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Dig in...
Whoever watches the wind will not plant; whoever looks at the clouds will not reap (Ecclesiastes 11:4).
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Plan first? Money first?
"I need financing because we don't seem to have enough money in our business". If we had a penny for every time we heard this...
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You get what you pay for
"Good work ain't cheap and cheap work ain't good" Isn't the only saying true - you get what you pay for. This is especially true when using a broker.
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Cash is still king
I visited with a client this past week that has managed to keep his business afloat and is now seeing the fruits of hard decisions that he had to make such as refocusing, cutting expenses and micro managing costs.
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Last minute...really?
"I have made an offer on a property and have removed conditions. Can you tell me what my financing options are?"
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It's all about exit
It's an obvious question but most people don't spend a lot of time talking about it - "how will I pay my mortgage or loan back?"
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Land still tough to finance
Land banking, land development, land servicing all continue to be tough deals to get financing for. Banks and lenders are happy to lend you the money if you have enough pre-sales (of completed lots) to cover up to 100% of their loan.
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Good deals get good money
In talking with a potential client yesterday I heard the comment "What comes first - the plan or the money?" The answer is - the plan.
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Hotels, motels and inns
It's always difficult to explain to a first time commercial borrower why banks and lenders don't get excited about hotels, motels and inns.
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But I have a great business plan
I spent some time on the phone yesterday with an individual that has put together a transaction involving a parcel of land that he thinks would be a good spot for a mini storage.
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Check your own credit - why?
Getting a mortgage broker, banker or mortgage specialist to check your credit score can lower it. Get any of them to check it within days of each other and watch your score drop like a rock.
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Private funds to close then off to the bank
I had a chance to visit with a new client today (courtesy of the Royal Bank) who was looking to purchase a mixed use property in rural Alberta.
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Need less than $2M - don't go to a bank (or a broker)
After 1,138 calls this year I can confirm that if you need less than $2,000,000 for a commercial mortgage or a business loan don't call a bank and don't bother calling a broker - unless you know what you are looking for.
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Manufacturing client needs real cash
Client says "I think I need about $750,000 in working capital to keep up with my business growth". Our response "how do you know that's how much you need?"
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123
Personal Guarantees - do I really need to provide one?
If you have never had a commercial mortgage or business loan or have had very few, providing a personal guarantee may be something that you are naturally uncomfortable to do.
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Minimum down payment for commercial mortgages
"How much is the minimum for a downpayment on a commercial purchase? 20% down?" We get this question a lot. There are many different ways to answer this question.
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bridgeFEED beta launched
Being in the mortgage and loan business, we get the opportunity to work with many interesting people, deals and opportunities.
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Frustrating for borrowers
Land transactions - specifically refinances - have been tough to find financing for since at least mid 2008 and continue to be a struggle.
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Working Capital in demand
We see a trend with small business owners and their need for capital. For most small businesses cash flow is critical and most cash flow challenges come from the difference between their accounts receivable and their accounts payable.
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Residential Mortgage Rules Change - finally!
Recently the Government of Canada announced changes to the mortgage lending rules including: - Maximum amortization for a mortgage is 30 years (down from 40 and 35) - Refinancing a mortgage is limited to 85% of the property value (down…
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2011 could be promising
If the past 6 months are any indication of the coming year it could be a good 2011. In our daily work we are busy helping people and businesses get the financing they want so they can do more.
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There are only so many times you can go back
When considering their financing options our client tends to try their bank first only to end up frustrated and no further along.
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Where do I start?
It is not unusual for someone to contact us with the question: "Where do I start?" or "I need to know a few things about commercial mortgages".
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Paying out vendor financing
Often borrowers will purchase a property and not have enough down payment or may not be able to qualify for a mortgage at the time of purchase.
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CASE STUDY: Construction complete on an infill
A small home builder approached us to replace the financing that he used to construct two infill properties that are now listed for sale.
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Land financing back in play
It would appear that with the limited amount of lending opportunities available in the marketplace that private lenders have been prepared to reconsider their policies for providing mortgages on parcels of land and future development sites.
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Loan to value versus loan to cost
Quite often we will have a client ask us to help them finance a property that they have been able to purchase for an amount that is less than what the property is worth based on an appraisal.
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New business needs capital
Need: mortgage to purchase a commercial property Challenge: no financial statements to show business history To obtain financing for the purchase of a real estate property, most banks want to see that the company can make the monthly…
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Construction projects and creative financing
For a second time this month we provided some guidance for construction projects that are multi-phased and require creativity.
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How do residential mortgage brokers get paid?
We get asked this question a lot so I thought it would be a good idea to share the answer with everyone. For residential mortgages typically brokers are paid by banks and lenders.
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CASE STUDY: Business turns a corner and needs more cash
A business approached us that has just come out of two years of very difficult times but seems to have turned a corner for the better.
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5 questions every bank asks
Whether you are looking to borrow money for a residential mortgage, a commercial mortgage or business loan you should be aware of the 5 most important points a bank or lender will look for in determining your approval.
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Why does my credit score matter?
There is a lot of advertising and information available about your personal credit score but most people are not aware of the impact their credit score can have on their borrowing.
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Owner Occupied vs. Investment Properties
Often times our clients will ask about the kinds of transactions that banks are interested in funding.
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Two businesses, same challenge
We were approached recently by two businesses that were looking to restructure their existing financing to save interest and improve cash flow.
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Too much information
It appears that more and more people are looking to have someone work for them to help them understand their options.
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Small business saves $6,000 per year
We had the opportunity to work with a business owner that was looking to make better use of the money they spend on rent by purchasing a small industrial bay.
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Small business saves $6000 per year
We had the opportunity to work with a business owner that was looking to make better use of the money they spend on rent by purchasing a small industrial bay.
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