Bank lending standards continue to tighten according the the October 2023 Federal Reserve Bank Survey of Bank Loan Officers. Some of the highlights. Commercial and industrial loan standards have tightened for 5 consecutive quarters as has commercial and industrial loan pricing. 35% of credit officers said that they have tightened […]
You may pay more and see tougher covenants the next time you renew your out of home bank loan. The April 2023 Federal Reserve Bank Senior Loan Officer Opinion Survey found that 50% of banks are tightening their commercial and industrial loan standards and that 60% of banks are raising […]
By Ken Altena, Partner, Billboard Loans LLC. I track the Federal Reserve Senior Loan Officer Survey on Bank Lending Practices to determine if credit is tight or loose. Banks have been tightening their lending standards for small firms (revenue less than $50 million) for four consecutive quarters due to recession […]
Insider has had a number of readers who have asked about the trend in interest rates and whether they should be concerned. The short answer is, not yet. The best way to demonstrate this is through two graphs showing the historical changes in both the Federal Funds Rate and the […]
If I told you that the economy grew at a 6.9% annual rate in 4th quarter, that we just ended the strongest year of growth in nearly four decades and that the national unemployment rate was at 3.9%, you might be feeling that our future is very bright. You would […]
Insider hears from readers that banks are tightening lending standards. This is important because many out of home companies use debt for acquisitions and to finance new sign construction and digital sign conversions. Data from the Federal Reserve July 2020 Senior Loan Officer Survey on Bank Lending shows that 70% […]
