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How the Federal Reserve will Impact Market Liquidity

How the Federal Reserve will Impact Market Liquidity

In January of 2022, the Federal Reserve announced plans to reduce its balance sheet. This process will affect a variety of factors, including market liquidity. 

Let’s discuss how the Fed withdrawing its support from the market will impact market liquidity. 

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Meet Nick Leonard, Commercial Loan Officer

Meet Nick Leonard, Commercial Loan Officer

Our team at Innovative Capital Corporation is excited to welcome our newest member, Nick Leonard. Nick is joining our Innovative Capital team from Hendricks County Bank and Trust (HCBT) as a Commerical Loan Officer. Nick’s experience in business management accounting, real estate and lending makes him an invaluable asset to our team. Get to know Nick below!

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Are We in a Real Estate Bubble?

Are We in a Real Estate Bubble?

Homebuyers may worry the market is entering a real estate bubble due to record high housing prices, low inventory, and the prevalence of bidding wars. However, after surpassing the “mid-2000s housing-bubble high watermark of 11.9%” in April of 2021, economists predict the real estate market is heading toward more balanced conditions.

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Meet Justin Kizy, Commercial Loan Officer

Meet Justin Kizy, Commercial Loan Officer

Our team at Innovative Capital Corporation is excited to welcome our newest member, Justin Kizy. Justin’s experience as a real estate attorney and his familiarity working within the commercial loan industry will make him an invaluable asset to the Innovative Capital...

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Top Five Reasons Banks Turn Down Loan Applications

Top Five Reasons Banks Turn Down Loan Applications

According to research, only 37% of small businesses apply for financing. Of the businesses that do apply, however, banks reject about 80%. Why might this be?

Banks consider several factors in determining whether or not to approve a loan for a small business. These factors can be both quantitative and qualitative, ranging from a low credit score to industry concerns.

If your loan is denied, the good news is that you can take a few simple steps to adjust and reapply. And, if traditional lending isn’t the right fit for you and your business, alternative lending provides attractive options to consider.

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Who Will Give Me a Loan When No One Else Will?

Who Will Give Me a Loan When No One Else Will?

The process of traditional lending typically involves a borrower visiting a financial institution and trusting a single banker to find the best rates and terms for their loan. This process can take months and, due to each lender’s strict guidelines and varying underwriting criteria, often results in a decline. In fact, commercial banks approved only 27.3% of submitted loan applications in 2019.

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