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cash flow

Determining Your Debt Service Coverage Ratio

Determining Your Debt Service Coverage Ratio The business’s cash flow is an indicator of the financial strength of the business.  A bank or lender will look at the cash flow of the business to help determine the borrower’s ability to … read more

Spring Cleaning Your Dental Practice

Spring Cleaning Part 2

Financial Best Practices Your practice’s finances should be consistently top of mind. You should be monitoring and tracking accounts receivable, collections, and credit adjustments on a weekly or monthly basis. From here, pinpoint your current status and chart a goal … read more

self-storage construction

Top 5 Things to Consider in Self-Storage Construction

Investing in constructing Self-storage facilities is an important decision with many considerations. Historically, there were zoning restrictions that prohibited growth in certain prime locations. With changing regulations and unprecedented growth in the industry causing at or near 100% capacity for … read more

veterinary loan terms

Practice Financing: Long-Term Financing

What You Need to Know About Practice Financing The veterinary community is an evolving yet thriving industry with many opportunities as well as some challenges. Among the challenges practice owners often face is financing. Bankers want to lend money to … read more

What is Cash Flow?

Many factors will affect the strength and success of your funeral home, including the financial decisions you make for your business. As a business owner, you want to look for ways to improve the business financially. Are there ways to cut … read more


Need more cash? Don’t keep it stacked on your pharmacy shelves.

If your practice experiences monthly cash flow struggles, it may be because you have too many dollars tied up in inventory.  Small animal practices should strive to keep cost of goods sold (“COGS”) at about 20-22% of gross revenue.  COGS … read more


Spring Cleaning Part 1

It’s that time of year again-spring cleaning. This annual cleaning ritual shouldn’t be limited to your home, though. Reflect on your dental practice, and you might find a number of ways to tweak systems or procedures to improve your bottom … read more

self-storage lending

Terry Campbell to Lead Live Oak Bank’s Self-Storage Lending Division

Live Oak Bank is pleased to announce Terry Campbell as leader of its new division offering financing to the Self-Storage industry. Terry joins the Bank with over 20 years experience in the industry. He is the former VP of Sales … read more

pharmacy times article

How to Finance a Pharmacy Acquisition

Good credit, a minimal amount of cash ($25,000), and the skill set to manage a small business are all it takes to purchase/finance a pharmacy. Seems pretty simple. Well, it can be. Sure, you’ll also need the cooperation of the … read more

jeff clark

Live Oak Bank Radio Interview Jeff Clark

Listen to Jeff Clark’s interview on “The Krush” 92.5, Central Coast Craft Beer Radio!  The segment, hosted by Pepper Daniels and crew, explores the growing world of Craft Beer on the Central Coast and beyond.