Capital Stack - Cardinal Capital Podcast
All things commercial capital, and business brain snacks, from the Cardinal Capital studio in South Louisiana.
Episodes
29 episodes
Lender Fatigue: When the Money Gets Tired S1 EP24
Here’s the truth: lenders have attention spans too. If a deal drags on for months with constant changes, missing documents, or shifting assumptions, the enthusiasm fades. What started as a “we like this” becomes “maybe next quarter.”I’ve...
Covenants - The Fine Print You Didn't See Coming S1EP16
The fine print isn’t fine when it can cost you leverage. We break down the real power of loan covenants—how a single miss can hand your bank the keys to tighter terms, higher fees, and a tougher road ahead—and show you how to build terms you ca...
Refinancing Roulette: Knowing When to Spin the Wheel. S1 EP15
Rob Powell explains how to time refinancing so it strengthens your capital stack instead of draining it.
Bridge Loans Are Tools, Not Vacation Spots S1E14
Ever wondered if those "expensive" bridge loans are worth the cost? The answer isn't as simple as the critics or cheerleaders would have you believe. Bridge financing operates on a fundamental principle that many borrowers miss: it...
Prom King or Paperweight: Is Your Loan Package Ready? S1E13
The hidden workings of the Lender's Credit Committee determine whether your commercial loan application succeeds or fails, regardless of your business's actual strength. Rob Powell reveals insider knowledge from both sides of the lending table,...
Never Sign a Term Sheet Without Reading Every Line S1E12
Ever signed a term sheet without reading every line? You might be building your business on a dangerously shaky foundation. The financial consequences can be severe and unexpected.Term sheets aren't just preliminary paperwork—they're th...
The Jenga Effect S1E11a
Commercial lending's capital stack is like a high-stakes game of Jenga where millions of dollars and panic replace wooden blocks and laughter. The structure and sequence of your funding sources must be precisely arranged for deal success, with ...
Why Your SBA Form 413 - your PFS - Is Killing Your Loan Approval S1E10
The Personal Financial Statement (PFS) form is a crucial but often mishandled document that can make or break commercial loan applications, with lenders using it to assess not just financial status but also organization and trustworthiness....
Don't Break Up, Bridge Up: Saving Deals When Timing's Off S1 E9
Ever watched a promising deal slip away because the timing wasn't quite right? That frustrating gap between opportunity and permanent financing destroys value for everyone involved. In this episode of Capital Talk, we unpack how bridge loans fu...
Hair-Raising Deals? We've Got the Comb S1 E8
Cardinal Capital specializes in funding challenging commercial deals that traditional lenders reject, focusing on partner buyouts, businesses with performance dips, and commercial real estate with complications. We structure innovative funding ...
The "Not Yet" Approach to Difficult Loans S1 E7
Every banker has faced that moment – you've built a strong relationship with a business client, you understand their needs, but their loan request doesn't fit your credit parameters. Whether it's collateral issues, temporary cash flow problems,...
Stack Smarter, Grow Stronger: The Secret Recipe of Business Financing S1 E6
The Capital Stack is the strategic mix of funding sources that support business growth, yet most founders can't clearly explain how their business is capitalized because no one has had this crucial conversation with them. We challenge the commo...
When Banks Say No: The Cardinal Capital Approach to Getting Deals Funded S1 E5
Cardinal Capital specializes in securing business financing when traditional banks decline deals, focusing on understanding the story behind the numbers and providing creative structuring solutions. We connect businesses with the right lenders ...
Marketing Dollars Drive Bank Performance, New Research Confirms
New research from Capital Performance Group and The Financial Brand confirms banks spending more on marketing experience faster growth in loans, revenue, and deposits. Despite this evidence, banks continue to cut marketing budgets in 2024, whil...
How Smart Bankers Use Brokers (Hint: They Don’t Say “No”) S1 E4
Smart commercial bankers know the value of connecting clients to alternative resources when deals don't fit their credit box rather than just saying no. Cardinal Capital partners with banks to handle these out-of-box deals, respecting the origi...
The 3 Myths of Commercial Lending (and Why They Cost You) S1 E3
Think you know how business loans work? Think again.In this episode of Capital Talk, Rob Powell breaks down three of the most persistent myths in commercial lending—and how believing them can cost business owners time, mo...
