A Classic Barrier to Growth – Increased Cost of Credit


No duh…right?

I can still recall how it felt when my first business attracted its first line of credit.  During the years of great inflation of the late 1970s/early 1980s, the interest rate was close to 20% on our SBA guaranteed loan. My partner and I celebrated “Yeah…We Got the Loan!” but that was followed quickly by “Oh Dear.  We got the loan payments!”

Today, the interest rates on loans and lines are a whole lot lower, but they just aren’t as accessible.  The cost comes in other forms than just interest. Sometimes, it comes in the form of seeking venture capital earlier than you would have five years ago.  The deceptive increase in the cost of credit comes in the form of the hassle factor and increased administrative time spent on credit card companies.  Identity theft increases the cost of credit. The increased cost of credit comes in the form of distractions and lost opportunity as we all must keep a watchful  eye on what is happening at corporations like CHASE, CITI, and Bank of America…even if we aren’t shareholders or customers.

With our most progressive clients, one of the major segments in strategic planning retreats is focused on finding ways to diminish the impact of financial industry dynamics on the growth of their companies.  Ownership. Pricing. Channels. Strategic alliances.

What do you need to be less reactive to the financial industry?


Aldonna R. Ambler, CMC, CSP has earned the right to be called THE GROWTH STRATEGIST®. She has won over 2 dozen national and statewide “entrepreneur of the year” awards for the resilient growth of her international businesses across 4 recessions.  Her midsized BtoB clients get on…and then stay on…the published lists of the fastest growing privately held companies. She owns and operates a suite of companies that help privately held midsized companies achieving accelerated growth with sustained profitability® through opportunity & resource analysis, 4 approaches to strategic planning, executive advisory services, growth financing, and targeted search.  2012 is Ambler’s 8th year hosting a weekly peer-to-peer-to-peer syndicated on line talk show that features interviews with CEOs/Presidents of midsized companies (typically between $20 and 200 Mil/yr) sharing success tips about the growth strategy-of-the-week. An archive of over 300 interviews is available at www.GrowthStrategistShow.com. She can be reached toll free at 1-888-Aldonna or at Aldonna@AMBLER.com.

About Aldonna Ambler:
Known as The Growth Strategist®, Aldonna Ambler built and grew a suite of companies to help midsized B2B companies achieve accelerated growth with sustained profitability® A Certified Speaking Professional (CSP), Ambler has addressed over 2000 audiences and hosted a syndicated online talk show about growth strategies for 9 years. As a growth financing intermediary, Ambler raised over $1 Bil dollars for midsized companies. The winner of over 2 dozen prestigious national and statewide "entrepreneur of the year" awards, Ambler is available to speak about “profitable growth during any economy” and/or serve on the board of a growth-oriented privately-held company.

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Growth Strategy Tip


[After attending] Aldonna's presentation…no lack of power there. Her knowledge, passion and commitment are astounding…pure genius. There were several very big "ah-ha" moments that left me very charged and emotional. I feel fortunate to have been in the presence of such talented, crafted individuals.

Donna Cardillo
The Inspiration Guru

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