The Fed

Why Granularity Matters

1 Comment / Portfolio Analytics / By

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 …

Why Granularity Matters Read More »

Money When You Don’t Need It

SMB Credit / By

The irony of small business credit these days comes down to a single frustrating truth: Banks will lend you money if you don’t really need it. Since the 2008 crisis, despite well-meaning efforts from many areas of government, small business lending remains depressed. And the kicker is we still really don’t know why.