When espousing the many capabilities and applications we see for the WAIN Street Business Credit Health Index there is always a concern about coming off as too ambitious or “pie in the sky” which can hurt credibility, especially in an industry that is practical and risk conscious. However, we keep finding hints, nearly every day, …
We’d like to talk about loan securitization for a moment, but have a small caveat. Despite the 2008 meltdown, if you acknowledge it as a financial tool that can be used (or abused) in a variety of ways, we invite you to continue reading. If you have already doomed securitization as an unallowable practice, we …
Six months ago WAIN Street launched the Business Default Index (BDX), the first component of our Business Credit Health Index (BCH Index). At that time we were very encouraged by the initial analysis and results of numerous correlations studies; we were even so bold to suggest the BCH Index was tapping into something fundamental and …
At WAIN Street we’ve just released the Business Default Index (BDX) which provides a comprehensive, composite gauge of business defaults in the US. Needless-to-say, we’re excited about many things, but most importantly we believe the BDX provides a new perspective on often-ignored mid-market and small businesses. It’s enabling us to “take the pulse” and gain new insight …
“I’ll be there in 15 minutes…” It’s an easy thing to say at the beginning of a trip, before a well-planned route deteriorates into a confusing mess of detours and wrong turns. Unexpectedly veering off course can be a frustrating and time consuming experience; but when you finally get there… well, the feeling is pretty …
Since our last post on the topic, not much has changed in the debate over small business lending: no one is sure whether it’s lack of supply or lack of demand. The topic is important and we’ll talk more about the continued lack of consensus and how WAIN Street could be helpful to the debate …
Granularity. Specificity. High-resolution. Drill down. Different words, all meaning the same thing: give me more detail; show me the texture; tell me the story within. That is what the WAIN Street Business Credit Health Index (BCH Index) does for managers of mid-market and small business credit portfolios. It gives them an aggregate view of national credit health …
As a start-up in the financial services industry looking to make waves with what we see as a game changing innovation, WAIN Street is perpetually trying to explain to anyone who’ll listen the value proposition of our Business Credit Health Index (BCH Index) and its application to understanding business credit portfolios. And nothing could …
From Credit Union Times: Congress will Again Take Up Business Lending, Consumer Bureau and Deficits Credit Unions are lobbying to loosen regulations that cap the amount of SMB lending they are allowed to carry. The fact that some banks are claiming to be turning down worthy businesses because of regulation is a little disturbing, especially given …
From Bloomberg Businessweek: What We Don’t Know About Small Business Lending The 2008 crisis has shed some light on many problems with our financial system that have been either hidden or ignored. One of those problems is that we simply don’t have enough information about mid-market and small businesses.
