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773-719-3718 MANAGEMENT
Banking Relationships and
Turnover continued from page 110
are becoming somewhat more willing to lend to small busi- nesses due to a gain in economic momentum, a retailer should expect more reluctance than in previous years. There are sev- eral reasons for this reluctance, but it mainly comes from in- creased requirements of bank examiners, declines in fi nancial strength in some institutions, A rise in past due and troubled assets, erosion of consumer confi dence, and an uncertain outlook for the future.
What Retailers Can Do Now
If you have intentions of end-
ing up with more than a cup of complimentary coffee and a free pen from the next visit to your local banker, consider the following suggestions: 1) Communicate effec-
tively and often. Bankers don’t like surprises. 2) Provide the banker with
the information requested in a timely fashion. There are reasons behind every request.
continued on page 114
112 September 2011
INDEPENDENTRETAILER
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