Bob Coleman
speaker
955 appearances
2 recordings
1 series
first heard Jan 2012
last heard Mar 2012
Bob Coleman’s voice in public audio — every appearance, attributed to the second.
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Appearances
I was talking to myself.
Maybe I was the one who was lost.
towards how transparent.
I've been known to talk to myself.
You say it's when
the
Well, and I'm going to go ahead.
You're probably going to ask the question, but I'll just go ahead and jump ahead.
And the question is, so what is different and different?
The banks I talk to, they're going old school.
Bankers found out that, well, let me give you a little professorial thing.
For banking, every beginning banker, junior lender, day one they teach you the five C's of credit, and that's pound into the banker's head.
The five C's are cash flow, collateral, capacity, conditions, and character.
And they drum that in your head.
Well,
Back 10 years ago when you had that executive retiring out of Seattle from Boeing, they had a couple hundred thousand in the 401K, and he or she wanted to open up a franchise, pick the subway down in Yuma, Arizona.
They went and said, hey, we have a couple hundred thousand dollars in equity.
That was a no-brainer.
You could get financing all day long.
Well, today what the banks have found out, all that collateral that they had, the real estate collateral,
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