If you have any doubts about why the economy seems to still be in neutral after a 6 year "recovery" then don't be. The answer is simple - no commercial lending to small business by banks due to insane and excessively conservative credit standards by a host of bank regulators.
I just experienced this with a profitable and cash flow positive client who has amortized out 80% of an old term loan. 3 banks and not one could offer a working capital revolving line of credit to help the Company manage its cash flow. All the products were term loan oriented and virtually useless to a professional services firm.
3 bank offers, 3 variations of the same term loan structure and said NO to all of them. Money is the "grease" that keeps the wheels turning and there is no grease. Therefore, no hiring and a conscious business choice to stand pat rather than grow the business.
Just nuts but this is the post Great Recession reality of banking. The banks are awash in cash and no one is borrowing.
Incentive Stock Option Valuation Project for an Early Stage Food Company
Roth Consulting just completed an Incentive Stock Option Valuation project for a venture capital backed natural products branded food business. The recommended strike price for the Options was completed in less than a week and accepted by the Board without comments or changes.
We specialize in valuation work for all types of Companies at all stages of development.
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