Category Archives: Video

Business Lines of Credit
Business lines of credit provide small businesses with a convenient means to access funding that can be used for short-term working capital needs. They may also act as an insurance policy against unexpected financial hardships or growth opportunities that require additional capital.

Lines of credit are revolving accounts that enable businesses to borrow from a predetermined amount and use those funds as needed. Unlike traditional small-business loans, which provide one lump sum with fixed monthly repayments, lines of credit typically provide flexibility to use funds as needed and no interest charges.

Qualifications for a business line of credit differ by lender, but many banks and some credit unions will require information such as earnings, balance sheets, financial statements and tax returns to approve your application. According to Amy Detweiler – senior analyst with Bankrate – some online lenders also check both personal and business credit scores.

Some lenders may require physical collateral for a secured business line of credit, such as equipment or real estate. This type of credit line usually has lower limits than its unsecured counterparts.

Like other financing options, lines of credit offer both advantages and drawbacks. They can be beneficial for smoothing cash flow and mitigating liquidity or cash flow volatility issues; however, excessive use can lead to significant costs. That is why it’s essential to pay off your line of credit in full as quickly as possible; this encourages responsible spending, builds your business’ credit profile, and may even improve future lending options.

Thomas Dyja, author of “New York, New York, New York”

Thomas Dyja, author of “New York, New York, New York: Four Decades of Success, Excess, and Transformation” discusses the history of New York City and the people who have helped define it; the city’s path from the fiscal crisis of…

How Are Investors Navigating China’s Regulatory Uncertainty?

“Exchanges at Goldman Sachs” Podcast – Goldman Sachs’ Stephanie Hui, Basak Yavuz and Prakriti Sofat of Asset Management Division describe the impact of China’s heightened regulatory scrutiny on the capital markets and the implications for investors. For more episodes of…

Nicolas Hamilton, Racing Driver

Nicolas Hamilton, English racing driver who competes in the British Touring Car Championship, joins Kene Ejikeme, head of Multi-Asset Platform Sales in EMEA, to discuss his career as a racer, how he’s adapted racing to work with his cerebral palsy,…

M&A Outlook: How Companies Are Positioning For Growth

“Exchanges at Goldman Sachs” Podcast – Can the record pace of M&A continue? Goldman Sachs’ Mark Sorrell and Stephan Feldgoise, co-heads of global M&A for the Investment Banking Division, discuss the outlook, drivers and structures of M&A activity on Exchanges…

Jane Goodall, Ethologist and Conservationist

In this episode of Talks at GS, Jane Goodall, British ethologist and conservationist and famous for studying chimpanzees in Tanzania, discusses her groundbreaking research, her shift to environmental advocacy, as well as founding the Jane Goodall Institute and becoming a…

David Olusoga, British Historian and Professor

In this episode of Talks at GS, David Olusoga, British historian and professor, discusses why he was inspired to pursue a career as a historian, the origins and significance of Windrush Day, and the impact history has on everyone individually…

Bill Bynum, CEO of HOPE

In this episode of Talks at GS, Bill Bynum, chief executive officer of HOPE, joins a conversation with Asahi Pompey, global head of Corporate Engagement at Goldman Sachs, to discuss how he is addressing systemic racial and economic inequality in…

Where Are Family Offices Seeking Higher Returns?

“Exchanges at Goldman Sachs” Podcast – With their unique structures, family offices are increasing their allocation to alternative investments and acting more like institutional investors, according to a new report from Goldman Sachs, “Widening the Aperture: Family Office Investment Insights.”…

The Future of ‘Femtech’

“Exchanges at Goldman Sachs” Podcast – Three leading voices in the “femtech” space—Ann Roberts of Flo Health, Lea von Bidder of Ava and Dr. Peter Kecskemethy of Kheiron Medical—join Goldman Sachs’ Antonia Riera and Allison Nathan to discuss the convergence…