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In this episode, Peter Boolkah speaks with Jonathan Fodera, president of Integrated Business Financing, about cash flow, credit, working capital and the responsible use of business finance.

You’ll discover:

• What lenders examine when assessing a business
• Why personal and business credit should be monitored
• How trading history can affect financing options
• Why cash flow and customer concentration matter
• The value of arranging appropriate credit before an emergency
• Why an unused credit facility can provide valuable flexibility
• How to audit recurring expenses and remove waste
• Why supplier and referral relationships become critical during difficult periods
• How to match the financing term to the useful life of an asset
• Why buying equipment with operating cash can create a liquidity problem
• How to evaluate whether borrowed capital can generate an adequate return
• The risks of borrowing from friends and family
• Why additional debt cannot repair a business without a viable turnaround plan
• How customer experience and additional value can strengthen profitability

The central principle is simple: finance should support a commercially sound plan. It should not be used merely to delay confronting a structural problem.

ABOUT JONATHAN FODERA

Jonathan Fodera is president of Integrated Business Financing, a US-based business-finance company that works with small businesses across lending, equipment finance, working capital and related services.

CONNECT WITH JONATHAN FODERA

Website: https://www.integratedbusinessfinancing.com
LinkedIn: https://www.linkedin.com/in/jonathan-fodera-391a98a1/
Company LinkedIn: https://www.linkedin.com/company/integrated-business-financing

IMPORTANT CONTEXT

This episode was recorded in early 2023 and primarily discusses US business lending. The programmes, rates, credit criteria, tax treatment and economic conditions mentioned may have changed and should not be assumed to apply in the UK or another jurisdiction.

This is a general business discussion, not financial, investment, tax or legal advice. Check current terms with an appropriately qualified adviser and official sources before making financing decisions.

The recording also contains personal opinions about the pandemic, inflation and food-production fires. These should not be treated as verified factual claims.

CONNECT WITH PETER BOOLKAH

Website: https://www.boolkah.com
LinkedIn: https://www.linkedin.com/in/boolkah
Instagram: https://www.instagram.com/pboolkah/
Facebook: https://www.facebook.com/Boolkah
X: https://twitter.com/boolkah

ABOUT PETER BOOLKAH

Peter Boolkah is a business coach, author and speaker who has spent more than 20 years helping business owners build stronger, more valuable businesses that do not depend on them for everything.

He is the creator of The Hamster Wheel Trap® and author of Your Business Sucks: Build a Business That Works Without Destroying Your Life.

Peter works with founders and leadership teams on the issues that ultimately determine whether a business creates freedom or becomes another job: leadership, founder dependency, people, profit, execution, scaling, exit readiness and enterprise value.

His approach is direct, practical and built around one simple question:

Do you own the business, or does the business own you?

Learn more at https://www.boolkah.com