Adam Siegelheim
speaker
526 appearances
1 recordings
1 series
first heard May 2011
last heard May 2011
Adam Siegelheim’s voice in public audio — every appearance, attributed to the second.
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Appearances
relying on them.
you know, we're we're really moving into a um you know, there's been a paradigm shift.
where you didn't need bank credit reports a few years ago because the banks were focusing more on the franchisees
um qualifications and less on the historical success of the franchise company.
And that's completely blown out of the water.
Um, and the bank, you know, is demanding more and more information
from the franchise company.
to um determine whether or not they're going to do this because the banks have become
very conservative.
And to tell the banks, you know, we're not gonna do it is to tell the banks don't make the loan.
Yeah.
And i I mean the other thing too is I mean the uniformity aspect
I mean I I would say that the banking indust industry in general
And this has been even well before, even in the best of times.
Um, there hasn't been much uniformity in terms of underwriting criteria for these loans.
Where some banks um
you know, if you don't fit exactly in the in the box that they want you to fit in, they're not even gonna talk to you.
and other banks if you had a good story, you know, would sit and listen to you and would be more creative than
And I think it's just the personality of the lenders and stuff.
Um, it's become more uniform from the perspective of everybody's gotten more conservative because of what happened, uh, with the bottom falling out and the economy and so forth.
Showing 461–480 of 526 · page 24 of 27
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