Podcasts about Prepayment

On today's Consumer Finance Monitor podcast, we are releasing an episode about a timely and wide-ranging discussion on one of the most significant and fastest-evolving developments in commercial finance: the rapid "consumerization" of small business lending law. In this episode, host Alan Kaplinsky welcomes Louis Caditz-Peck, Executive Director of the Responsible Business Lending Coalition (RBLC), for an in-depth conversation about the proliferation of state small business lending protection statutes, the policy debates driving them, and what they mean for lenders, fintechs, banks, and small business borrowers. From Self-Regulation to State Law: How We Got Here For decades, commercial lending operated under a fundamentally different regulatory framework than consumer credit. The prevailing assumption was that business borrowers were sophisticated, negotiated their transactions, and did not need standardized disclosures or suitability-type protections. That assumption has eroded. As Louis explains, since the financial crisis, and particularly with the growth of online and fintech lending, small business financing has changed dramatically. Community banks have pulled back. Non-bank online platforms have expanded. New products, including merchant cash advances and other revenue-based financing arrangements, have proliferated. At the same time, concerns have grown about: Opaque pricing structures Misleading "interest rate" representations Broker incentives that steer borrowers into higher-cost products Repeated refinancing of unaffordable obligations These concerns led to the development of the Small Business Borrower's Bill of Rights, a set of industry standards first launched in 2015 at the Aspen Institute by a coalition of lenders, small business groups, and nonprofit advocates. What began as a voluntary, self-regulatory effort quickly became a blueprint for legislation. California's SB 1235 in 2018 marked the first major small business truth-in-lending law. Since then, according to Louis, 19 small business financial protection laws have been enacted across multiple states, with California and New York leading the way. The "Consumerization" of Small Business Lending A central theme of the episode is whether we are witnessing the "consumerization" of small business lending. Many of the new state laws borrow heavily from consumer credit concepts, including: APR-style cost disclosures Total cost of financing disclosures Payment schedule requirements Prepayment and fee transparency Restrictions on certain contractual provisions Some states have layered on licensing or registration requirements for small business finance providers. Others incorporate or supplement state UDAP (unfair and deceptive acts and practices) standards, which may apply to certain business-to-business transactions as well as consumer transactions. The policy rationale is straightforward: many "Main Street" businesses are effectively sole proprietorships or closely-held operations without in-house finance or legal teams. Legislators increasingly view these borrowers as closer to consumers than to large corporations with treasury departments and inside or outside counsel. As Alan and Louis discuss, the regulatory shift raises serious operational and compliance challenges, particularly given the state-by-state patchwork of requirements. The Compliance Conundrum: Patchwork and Harmonization A recurring concern is whether the proliferation of state laws imposes disproportionate burdens on smaller lenders and startups, especially compared to large institutions with robust legal and compliance infrastructures. Louis emphasizes that RBLC has actively worked to promote interstate harmonization, particularly between California and New York. For example: Advocating for standardized disclosure forms that can be used in multiple states Aligning definitions and disclosure triggers Encouraging estimated APR calculations for revenue-based financing However, not all states have followed a harmonized approach. Some laws, particularly those focused narrowly on merchant cash advances, have created divergent requirements, complicating multi-state compliance. As Alan notes, the trend presents both risk and opportunity for lenders and their counsel. The regulatory environment is no longer static. Companies offering small business financing must assume that: Cost disclosures will likely be required in more states Registration or licensing may apply Enforcement risk—particularly under state UDAP statutes—will increase Section 1071 and Federal Uncertainty The episode also explores the role of the CFPB under Section 1071 of the Dodd-Frank Act, which requires data collection on small business lending to: 1.     Identify potential discrimination, and 2.     Assess whether certain markets are underserved. The CFPB finalized its 1071 rule in 2023 under then Director Rohit Chopra. Multiple legal challenges followed. Under the current administration, a notice of proposed rulemaking has sought to scale back and slow implementation. At the same time, the Federal Trade Commission has signaled an interest in using its enforcement authority to address unfair or deceptive acts or practices affecting small businesses—underscoring an intriguing tension within federal regulatory policy. As Louis observes, the debate is not simply about reducing or expanding government. It is about how government authority will be used and whether transparency and enforcement will be advanced through rulemaking, litigation, or state initiatives. Merchant Cash Advances and Revenue-Based Financing A particularly nuanced part of the discussion focuses on merchant cash advances (MCAs) and other sales-based financing products. These arrangements typically involve: An advance of funds in exchange for a fixed repayment amount Payments tied to a percentage of daily or periodic sales Variable duration depending on business performance RBLC's position, as Louis explains, is product neutral. The coalition does not advocate banning product categories or imposing rate caps. Instead, it focuses on responsible practices, including transparent pricing and assessment of ability to repay. Importantly, none of the major state lending protection laws impose interest rate caps. The emphasis is on disclosure and market transparency rather than price regulation. Who Is Covered—and Who Is Not? Most state small business truth-in-lending statutes apply to financing of $500,000 or less (with some variation, such as New York's $2.5 million threshold following gubernatorial revision). Coverage often includes: Closed-end loans Open-end lines of credit Sales-based financing/MCAs Factoring (in some states) Banks are generally exempt from these statutes, though non-bank "providers" presenting the offer of credit may still have disclosure obligations even in bank partnership models. As Alan highlights, this raises interesting competitive and policy questions about level playing fields across banks and non-banks. Looking Ahead to 2026 Both speakers agree: this trend is not going away. With significant percentages of small business owners reporting difficulty accessing affordable capital—and a substantial minority reporting harm from predatory practices—state legislators remain motivated to act. The key policy question is not whether regulation will expand, but how. Well-designed transparency frameworks can: Promote price competition Reward responsible innovation Improve borrower decision-making Poorly harmonized or overly rigid frameworks, however, risk increasing compliance costs and reducing credit availability. As Alan notes in his closing remarks, small business finance regulation is becoming a core area of growth for law firms and compliance professionals historically focused on consumer financial services. The line between consumer and commercial finance continues to blur.  Alan noted that the Consumer Financial Services Group which he founded and chaired for 25 years has counseled and represented small business lenders for decades. For lenders, fintechs, banks, and their advisors, understanding these developments is no longer optional—it is essential. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

I-80 Gold announced a secured financing package of up to $500 million. Radisson Mining shared an update on its geological model for the O'Brien Gold Project in the Abitibi. Robex announced commercial production in Guinea. New drill results from ATEX. This episode of Mining Stock Daily is brought to you by... Revival Gold is one of the largest pure gold mine developer operating in the United States. The Company is advancing the Mercur Gold Project in Utah and mine permitting preparations and ongoing exploration at the Beartrack-Arnett Gold Project located in Idaho. Revival Gold is listed on the TSX Venture Exchange under the ticker symbol “RVG” and trades on the OTCQX Market under the ticker symbol “RVLGF”. Learn more about the company at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠revival-dash-gold.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vizsla Silver is focused on becoming one of the world's largest single-asset silver producers through the exploration and development of the 100% owned Panuco-Copala silver-gold district in Sinaloa, Mexico. The company consolidated this historic district in 2019 and has now completed over 325,000 meters of drilling. The company has the world's largest, undeveloped high-grade silver resource. Learn more at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠https://vizslasilvercorp.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Equinox has recently completed the business combination with Calibre Mining to create an Americas-focused diversified gold producer with a portfolio of mines in five countries, anchored by two high-profile, long-life Canadian gold mines, Greenstone and Valentine. Learn more about the business and its operations at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equinoxgold.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Integra Resources is a growing precious metals producer in the Great Basin of the Western United States. Integra is focused on demonstrating profitability and operational excellence at its principal operating asset, the Florida Canyon Mine, located in Nevada. In addition, Integra is committed to advancing its flagship development-stage heap leach projects: the past producing DeLamar Project located in southwestern Idaho, and the Nevada North Project located in western Nevada. Learn more about the business and their high industry standards over at integraresources.com

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we go through the latest prepayment data and what it says about borrower sentiment. Plus, Robbie sits down with Milliman's Jonathan Glowacki for a discussion on why “lender choice” that allows mortgage originators to select among approved credit scoring models may understate risk by producing meaningfully higher default rates within the same score bands, shifting more credit risk onto the mortgage system while reducing risk-based fees and potentially weakening the economics of the GSE guarantee. And we close by looking at a very robust delayed January payrolls report.This week's podcasts are Sponsored by Cenlar. Cenlar supports lenders and investors with scalable, best-in-class loan servicing built for today's complex market. From compliance to customer experience, Cenlar helps portfolios perform better, borrowers stay supported, and servicers focus on growth. We're proud to partner with a true industry leader.

Tip Tuesday, 4-7 Min Real Estate TipsThere's been recent discussion from investor Bill Ackman about the possibility of adding prepayment penalties to some mortgage products as a way to potentially lower interest rates. In this Real Estate Tip Tuesday, we explain what prepayment penalties are, why this idea is being talked about, and how this type of proposal fits into the broader conversation about mortgage rates. This episode is focused on understanding the concept itself and the discussion around it, not predictions or guarantees.​​#MortgageRates #HomeBuyingTips #ArizonaRealEstate​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we talk about the takeaways from President Trump's speech in Davos Yesterday. Plus, Robbie sits down with LendingTree's Matt Schulz for a discussion on whether the long-term wealth benefits of owning outweigh short-term cash flow challenges, especially as affordability gaps, regional policies, and rising costs risk reshaping migration, exacerbating inequality, and straining the traditional path to a “starter home.” And we close by reviewing the latest prepayment speed data.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3422: JD Roth explores the practical and psychological benefits of prepaying a mortgage, even when the math favors investing. Drawing on Charles Givens' strategy, he outlines a flexible approach that slashes loan terms while offering financial peace of mind and long-term freedom. Read along with the original article(s) here: https://www.getrichslowly.org/mortgage-prepayment-made-easy-own-your-home-in-half-the-time/ Quotes to ponder: "You can pay off your 30-year mortgage in half the time without refinancing by making extra principal payments." "Many people find peace of mind in paying off their mortgages and owning their homes outright, especially as they approach retirement." "Every time we make a payment, we're essentially making two payments, cutting the term of our mortgage in half." Episode references: Wealth Without Risk: https://www.amazon.com/Wealth-Without-Risk-Charles-Givens/dp/0671675567 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3422: JD Roth explores the practical and psychological benefits of prepaying a mortgage, even when the math favors investing. Drawing on Charles Givens' strategy, he outlines a flexible approach that slashes loan terms while offering financial peace of mind and long-term freedom. Read along with the original article(s) here: https://www.getrichslowly.org/mortgage-prepayment-made-easy-own-your-home-in-half-the-time/ Quotes to ponder: "You can pay off your 30-year mortgage in half the time without refinancing by making extra principal payments." "Many people find peace of mind in paying off their mortgages and owning their homes outright, especially as they approach retirement." "Every time we make a payment, we're essentially making two payments, cutting the term of our mortgage in half." Episode references: Wealth Without Risk: https://www.amazon.com/Wealth-Without-Risk-Charles-Givens/dp/0671675567 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3422: JD Roth explores the practical and psychological benefits of prepaying a mortgage, even when the math favors investing. Drawing on Charles Givens' strategy, he outlines a flexible approach that slashes loan terms while offering financial peace of mind and long-term freedom. Read along with the original article(s) here: https://www.getrichslowly.org/mortgage-prepayment-made-easy-own-your-home-in-half-the-time/ Quotes to ponder: "You can pay off your 30-year mortgage in half the time without refinancing by making extra principal payments." "Many people find peace of mind in paying off their mortgages and owning their homes outright, especially as they approach retirement." "Every time we make a payment, we're essentially making two payments, cutting the term of our mortgage in half." Episode references: Wealth Without Risk: https://www.amazon.com/Wealth-Without-Risk-Charles-Givens/dp/0671675567 Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at President Trump saying he will ban institutional investors from buying up homes. Plus, Robbie sits down with the Texas Stock Exchange's Jeff Karcher for a discussion on the origins of the TXSE, why its founders believe U.S. markets need more competition, and how its 2026 launch aims to reshape capital markets through technology-driven trading and long-term vision. And we close by reviewing what December prepayment speeds reveal about borrower behavior.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at takeaways from yesterday's Fed decision, Chair Powell's press conference, and what some are mistakenly referring to as the return of quantitative easing. Plus, Robbie sits down with L1's Justin Demola for a discussion on the evolving credit cost landscape in the mortgage industry. And we close by examining what we are seeing across the coupon stack when it comes to prepayment speeds.With rising credit costs, every dollar matters. L1 Credit is a full-service credit reporting agency designed to help you reduce expenses and safeguard margins. Lenders switching to L1 Credit are consistently seeing 15-20% savings on credit costs.  L1 Credit delivers the flexibility and value you need on credit, flood, fraud, and verification products—all backed by the high standard of service you expect from Lenders One. Don't wait—request your FREE cost-savings review today at lendersone.com.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at the latest news and corporate developments from around the mortgage industry. Plus, Robbie sits down with HomeLight's Nick Friedman for a discussion on lender sentiment heading into 2026, with optimism rising and new buyer behaviors taking shape that could reshape the housing market. And we close by examining what sort of prepayments we are seeing in the mortgage-backed security (MBS) market.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. Lenders, give your borrowers an experience they will rave about. Learn more at figure.com.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at funded volume trends. Plus, Robbie sits down with with TRUE's Steve Butler for a discussion on the challenges of income analysis inlending, particularly the delays caused by manual data entry and underwriting processes, and how technological advancements are solving this. And we close by looking at what the prepayment report says about borrower incentive to refinance.This week's podcasts are sponsored by TransUnion. Mortgage lenders choose TransUnion for their identity-focused, data-driven mortgage insights and solutions, enabling them to achieve more desirable lending outcomes in a volatile housing market.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at the latest government shutdown impacts on mortgage. Plus, Robbie sits down with Truework's Randy Lightbody for a discussion on the Fed's recent rate cut and its impact on borrower behavior, what lenders should watch for, how homebuyers might respond to lower rates, and the critical role of integration and automation in building a more efficient, sustainable path to homeownership. And we close by examining what to look forward to on this week's economic calendar if the government stays shutdown.Thank you to Truework, the only all-in-one, automated VOIEA platform that helps mortgage providers achieve up to 50% cost savings with an industry leading 75% completion rate.

The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.In today's episode, we go through chatter from the Pacific Northwest Mortgage Lenders Conference in Boise. Plus, Robbie sits down with Call Equity's Mel Lund for a discussion on how operations and sales can assist one another to drive origination volume. And we close by looking at the recently released MBS prepayment report.Sponsored by Indecomm. Streamlining operations with the genius blend of automation, AI, and services. Achieve practical digital transformation and real operational impact with Indecomm's purpose-built mortgage solutions.

Can an AI reconcile your books while you sleep? Blake and David run a live experiment with ChatGPT-5's Agent Mode in Xero—watching it match transactions, stumble on prepayments, and reveal what's realistically automatable today. They also break down a flood of app news: Dext's bill pay, Ramp's mega raise, Thomson Reuters and Deloitte's agentic AI, plus Ignition–Financial Cents and Canopy portal moves. They dig into survey findings showing that 58% of employees are secretly using AI at work despite company bans, and take a look at how AI is disrupting the job market for college graduates. SponsorsTeamUp - http://accountingpodcast.promo/teamupRelay - http://accountingpodcast.promo/relayHuman at Scale - http://accountingpodcast.promo/humanMissive - http://accountingpodcast.promo/missiveChapters(01:32) - Exploring AI in Accounting (02:20) - Testing ChatGPT for Accounting Tasks (05:26) - Reconciling Transactions with AI (10:27) - App News (18:34) - AI and Automation in Accounting (23:29) - Recent Raises and Acquisitions (31:10) - Government and Regulatory Updates (35:14) - AI Agent Struggles with Prepayment (35:39) - VC Investments in Accounting Firms (37:43) - Ignition and Financial Sense Integration (40:13) - Canopy's Smart Intake and AI Innovations (42:58) - AI in the Workplace: Surveys and Insights (44:39) - AI Agent Finally Figures Out Prepayment (52:36) - AI's Limitations and Future Potential (01:01:55) - Fundraising and AI in Accounting Apps (01:12:28) - Impact of AI on the market (01:13:42) - Conclusion and CPE Information  Show NotesProduct Specialist-Accounting,AI - Xerohttps://builtinlondon.uk/job/product-specialist-accounting-ai/6683466Rillet raises $70M to replace 20th-century accounting software with AI-native ERP built by accountantshttps://www.globenewswire.com/news-release/2025/08/06/3128328/0/en/Rillet-raises-70M-to-replace-20th-century-accounting-software-with-AI-native-ERP-built-by-accountants.htmlAI accounting startup Rillet raises $70 million in Andreessen Horowitz, ICONIQ-led roundhttps://www.investing.com/news/economy-news/ai-accounting-startup-rillet-raises-70-million-in-andreessen-horowitz-iconiqled-round-4172975Ramp Raises $500 Million at $22.5 Billion Valuation to Accelerate AI and Build the Future of Financehttps://www.prnewswire.com/news-releases/ramp-raises-500-million-at-22-5-billion-valuation-to-accelerate-ai-and-build-the-future-of-finance-302516953.htmlRamp hits $22.5B valuation just 45 days after reaching $16Bhttps://techcrunch.com/2025/07/30/ramp-hits-22-5b-valuation-just-45-days-after-reaching-16b/IRS, White House clashed over immigrants' data before Billy Long was oustedhttps://www.washingtonpost.com/business/2025/08/09/trump-administration-irs-data-dispute/Trump replaces IRS Commissioner Billy Long with Scott Bessenthttps://www.washingtonpost.com/business/2025/08/08/billy-long-irs-commissioner-bessent/Trump ousts Billy Long as IRS commissioner, names Bessent acting headhttps://www.cnn.com/2025/08/08/politics/billy-long-ousted-irs-commissionerIRS Chief Forced Out After Immigrant Tax Data Pushback—Reporthttps://www.newsweek.com/irs-chief-forced-immigrant-tax-data-pushback-report-2111292Billy Long's IRS ouster follows clashes with Treasury, sparks concernhttps://thehill.com/homenews/administration/5449180-treasury-clashes-irs-commissioner/Need CPE?Get CPE for listening to podcasts with Earmark: https://earmarkcpe.comSubscribe to the Earmark Podcast: https://podcast.earmarkcpe.comGet in TouchThanks for listening and the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and Instagram. If you like what you hear, please do us a favor and write a review on Apple Podcasts or Podchaser. Call us and leave a voicemail; maybe we'll play it on the show. DIAL (202) 695-1040.SponsorshipsAre you interested in sponsoring The Accounting Podcast? For details, read the prospectus.Need Accounting Conference Info? Check out our new website - accountingconferences.comLimited edition shirts, stickers, and other necessitiesTeePublic Store: http://cloudacctpod.link/merchSubscribeApple Podcasts: http://cloudacctpod.link/ApplePodcastsYouTube: https://www.youtube.com/@TheAccountingPodcastSpotify: http://cloudacctpod.link/SpotifyPodchaser: http://cloudacctpod.link/podchaserStitcher: http://cloudacctpod.link/StitcherOvercast: http://cloudacctpod.link/OvercastWant to get the word out about your newsletter, webinar, party, Facebook group, podcast, e-book, job posting, or that fancy Excel macro you just created? Let the listeners of The Accounting Podcast know by running a classified ad. Go here to c...

Understanding the fine print that could make or break your deal is just as important when purchasing a business with SBA financing as it is when obtaining a loan. All too frequently, buyers lose out on opportunities or become mired in transactions that don't fit the program because they are unaware of the nuances of SBA regulations. The CEO of SBA Loan Group, Yankie Markowitz, sits down with Jaryd Krause in this episode to discuss his extensive knowledge of SBA loans and how he has facilitated more than $1 billion in SBA and real estate transactions. Yankie explains which business categories are eligible for SBA financing, what has changed recently, and how to handle the complex world of debt ratios, deal structures, and cash requirements. You’ll learn: ✔️ Which businesses can—and can’t—be acquired with SBA loans ✔️ How much cash do you need to qualify ✔️ Why e-commerce fits well with SBA financing, and where it falls short ✔️ The ins and outs of seller notes, holdbacks, and loan terms ✔️ Real-world lessons from deals that worked—and ones that didn’t This episode provides useful, straightforward advice from one of the most seasoned SBA specialists in the industry, regardless of whether you're prepared to purchase your first company or want to improve your acquisition approach.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at how investor demand is impacting mortgage characteristics. Plus, Robbie sits down with Ocrolus' Rebecca Seward on how Ocrolus is redefining mortgage underwriting with its Inspect platform, enabling real-time condition creation and automated loan reviews to improve quality, reduce costs, and streamline operations for lenders of all sizes. And we close by hypothesizing how the June CPI report will impact Fed timing of rate cuts.Thank you to Ocrolus. Ocrolus is transforming the mortgage industry with AI-powered data and analytics, featuring cutting-edge tools for automated indexing, income analysis, and discrepancy insights. Ocrolus is empowering underwriters to make timely, confident lending decisions. Whether you need to verify income across complex pay scenarios or review borrower documents with confidence, Ocrolus helps mortgage teams move at the speed of automation with the precision of human oversight. Learn more at ocrolus.com/mortgage.

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrHEMLANE:Find better, more transparent property management with Hemlane at https://www.hemlane.com/lp/rent-to-retirement/ In today's market, defaulting to a conventional loan might be costing you more than you think.Adam Schroeder breaks down the pros, cons, and overlooked opportunities in investor financing. From DSCR loans that boost flexibility and asset protection to interest-only products that improve cash flow and lower entry costs — this episode walks you through how to match the right loan with your real estate strategy.You'll also hear why prepayment penalties aren't always a bad thing — and how you can use lender incentives to your advantage when buying turnkey rental properties.If you're building a portfolio in 2025, don't skip this one.⏱ Timestamps:00:00 – Intro: What most investors get wrong about loans00:45 – Why conventional loans aren't always the best fit01:22 – What is a DSCR loan & how it helps real estate investors02:30 – Entity ownership, DTI benefits & DSCR flexibility03:35 – DSCR vs. Conventional: Rates and cash flow04:24 – Interest-only loans: how they work and who they benefit05:40 – 2008 vs. now: why interest-only isn't a red flag today07:00 – Prepayment penalties explained: risk or reward?13:35 – Hidden incentives for turnkey property buyers

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrHEMLANE:Find better, more transparent property management with Hemlane at https://www.hemlane.com/lp/rent-to-retirement/ In today's market, defaulting to a conventional loan might be costing you more than you think.Adam Schroeder breaks down the pros, cons, and overlooked opportunities in investor financing. From DSCR loans that boost flexibility and asset protection to interest-only products that improve cash flow and lower entry costs — this episode walks you through how to match the right loan with your real estate strategy.You'll also hear why prepayment penalties aren't always a bad thing — and how you can use lender incentives to your advantage when buying turnkey rental properties.If you're building a portfolio in 2025, don't skip this one.⏱ Timestamps:00:00 – Intro: What most investors get wrong about loans00:45 – Why conventional loans aren't always the best fit01:22 – What is a DSCR loan & how it helps real estate investors02:30 – Entity ownership, DTI benefits & DSCR flexibility03:35 – DSCR vs. Conventional: Rates and cash flow04:24 – Interest-only loans: how they work and who they benefit05:40 – 2008 vs. now: why interest-only isn't a red flag today07:00 – Prepayment penalties explained: risk or reward?13:35 – Hidden incentives for turnkey property buyers

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we have a live dispatch from California MBA's Mortgage Innovators Conference in Huntington Beach. Plus, Robbie sits down with Aidium's Spencer Dusebout for a discussion on how AI is transforming the mortgage industry, from redefining lead scoring and boosting CRM adoption to supporting, not replacing, loan officers, with a spotlight on the launch of innovative “Agents.” And we close with a look at April prepayment speeds and home refinance incentives.Thank you to HomeEQ, the fully digital HELOC from Arc Home, which empowers brokers to quickly provide borrowers with easy access to their home equity. With fast, hassle-free funding in just days, HomeEQ offers a user-friendly platform that simplifies the entire process. Brokers can benefit from competitive compensation, along with comprehensive training and a complete marketing plan designed to help them re-engage former clients and grow their business. Discover how HomeEQ can enhance your offerings by visiting homeeq.archome.com/chrismanpod.

This week we're covering some considerations for making the passthrough entity tax prepayment, due on June 16.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we explain some of the Fed's ongoing calculus between activity and inactivity as it pertains to monetary policy. Plus, Robbie sits down with economist Elliot Eisenberg to discuss the true impact of tariffs on industrialization and how people can cut through the noise in the news cycle to understand what is actually happening with both the economy and mortgage market. And we conclude with a look at the prepayment speed landscape.Thank you to BeSmartee, which is transforming mortgage lending with Bright Connect, its native mobile app designed to boost loan officer productivity, speed up referrals, and simplify the borrower experience.

Welcome to Bond Investment Mentor! In this episode, Chris discusses prepayment risk, why it may be making a comeback, and how to manage this risk in investment portfolios.In this episode:Celebrating five years of BIM1 (1:06)Bond market update (2:40)Bond rally and interest ratesFed Chair Powell commentsThe importance of "strategic patience"What's happening with the GDPNow model? (7:30) - Check out Atlanta Fed GDPNowThe return of prepayment risk management (12:32)How to work with Chris (36:00) (LEARN MORE)If you have questions about anything covered in this episode, please email me at Chris @ BondInvestmentMentor.com.Do you know someone who could benefit from this information? Please share this episode and podcast with them!You will find more articles, tips, and resources about fixed-income investing and portfolio management at BondInvestmentMentor.com. Check it out!Let's Connect via Social Media!LinkedIn: Christopher Nelson, CFA

This episode is sponsored by...BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ 

This episode is sponsored by...BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ 

Client retention has always been an issue in our industry – less than 20% of all consumers use the same broker or loan officer on a second home purchase, HELOC or refinance. But CoreLogic is giving mortgage professionals the tools they need to establish long-term relationships with their clients, helping them keep future business in-house. That's why users of their Marketing and Retention Solutions, delivered on the revolutionary Araya platform, say it's transformed the way they do business. Check it out for yourself, visit corelogic.com/chrisman today to learn more or schedule a free demo.

To stay competitive in this market, lenders need to find efficiencies and understand their operations in a much deeper way. Richey May's consulting, cybersecurity, business intelligence, and automation services are designed by mortgage experts to help you continue to drive growth and increase profitability. Visit https://richeymay.com to learn more.

Thanks to today's podcast sponsor, PHH Mortgage. For over 35 years, PHH Mortgage has provided industry-leading mortgage services. They are one of the largest servicers of residential mortgages in the United States and offer a variety of solutions for the entire mortgage lifecycle. If you are looking for a Correspondent Lending partner or an experienced, award-winning Subservicer who can manage your forward and reverse, residential and commercial, and performing and non-performing loans look no further than PHH. Learn more at business.phhmortgage.com.

Today's podcast is brought to you by Floify, a leading point-of-sale platform for mortgage professionals. Known for its user-friendly and customizable interface, Floify empowers small and midsize lenders and mortgage brokers with efficiency gains and cost savings. Features like native eSigning and electronic verification of employment expedite turn times and put money back in lenders' pockets. See the beauty of its simplicity at www.floify.com.

Tip Tuesday, 2-4 Min Real Estate Tips In this *Tip Tuesday* video, Dana and Ryan break down the concept of **prepayment penalties on mortgages**. They explain what prepayment penalties are, why lenders charge them, and the different scenarios where they might apply. Tune in to learn how these penalties can impact your financial decisions if you're considering paying off your mortgage early, refinancing, or making larger payments than scheduled. Don't miss this quick guide to understanding prepayment penalties and protecting your financial health! Connect with Dana: https://danawilson.exprealty.com/holp/app Connect with Ryan: https://www.facebook.com/thegilliamteam Tip This is a pre-recorded video. The information given in this video and/or any of our videos is not intended to promote the buying and/or selling or abstaining from buying and/or selling of any real estate. The primary purpose of this podcast is to educate and inform on a very specific market. This information should not be construed as advice. Please consult your attorney, CPA, real estate agent, or wealth manager directly in regard to any specific sale, purchase, or financial decisions you make based on the information provided in our videos.

Today's podcast is brought to you by nCino, makers of the nCino Mortgage Suite for the modern mortgage lender. nCino Mortgage Suite's three core products -- nCino Mortgage, nCino Incentive Compensation, and nCino Mortgage Analytics -- unite the people, systems, and stages of the mortgage process. See how nCino can support a homeownership journey that your borrowers and your team will love at nCino.com.

In this episode of the Lone Star Capital podcast, Craig McGrouther and I discuss a range of topics including personal updates, current deal flow, upcoming events, market insights, and the complexities of prepayment penalties in real estate financing. We delve into the differences between fixed, floating, and bridge loans, and how market conditions affect investment strategies. Our conversation emphasizes the importance of understanding debt structures and the implications of rising interest rates on real estate investments.Learn more about Lone Star Capital at www.lscre.com To apply to attend LSC Summit 2024: www.lscsummit.comGet a FREE copy of the Passive Investor Guide:https://www.lscre.com/content/passive-investor-guide Subscribe to our newsletter and receive our FREE underwriting model package:https://www.lscre.com/resource/underwriting-modelFollow Rob Beardsley:https://www.linkedin.com/in/rob-beardsley/https://www.facebook.com/RobBeardsleyLSC/Read Rob's articles:https://www.lscre.com/blog

This week we're covering some things to keep in mind about making the June 17 passthrough entity elective tax prepayment.

This week we're covering a bill that has been introduced which would allow entities to make a passthrough entity tax election even if they didn't make a June 15 prepayment.

WTMJ Reporter Julien Johnson joins Wisconsin's Midday News to tell us what we all need to know about the Milwaukee County Transit System's new prepayment system

Payer executives are increasingly focusing on claims management to cut costs. Prepayment review offers a proactive approach compared to traditional post-payment methods, allowing payers to identify and address potential issues before claims are processed.This episode is sponsored by CERIS.

Step into the exciting and highly profitable world of pet waste removal. This episode reveals the hidden challenges and potential (big) profits of a business many overlook, highlighting the strategic approaches to getting clients, service frequency, pricing models, hiring and the critical role of efficient scheduling. Join host Adam Sylvester and Eric Krupin, owner of Kroopin's Poopin Scoopin.   Introduction to the episode and guests [0:30] A typical day in the pet waste removal business [0:55] How Erica got into the business [1:58] Getting first clients through social media [2:39] Frequency of service, and the impact of springtime on business growth [3:40] Prepayment for services and the introduction of additional services [4:51] The importance of route density and average ticket price for profitability [7:13] Tiered pricing model based on yard size and dog count [7:48] The potential and challenges of commercial accounts [8:20] Partnering with lawn care/landscaping companies and scheduling challenges [9:48] Equipment and supplies needed for starting a poop scooping business [11:30] Disposal methods for collected waste and handling client expectation [12:02] The importance of customer service and managing callback issues [13:12] What Erica and Adam love about Jobber [14:00] Using CompanyCam for taking photos of jobs [15:04] Hiring challenges and the ideal qualities in an employee [15:50] Marketing messages and addressing potential client hesitations [17:00] Working on weekends and managing safety [19:14] Exploring the idea of adding poop scooping as an add-on service for existing businesses [20:48] Initial steps and costs for starting a poop scooping business [21:40] Reflections on business naming and the potential for rebranding [22:25] Lessons learned from emotional challenges and the importance of a supportive community [24:30] Future plans for expanding the business and improving hiring processes [25:27] Pricing strategy for first-time cleanups and setting customer expectations [26:20] Dealing with inaccurate client assessments [29:00] Adam's takeaway tips [30:35]  

Discover the BEST Construction Business Model and the game-changing benefits of Prepayment in your Construction Business.

J.D. Roth of Get Rich Slowly helps you pay your mortgage off in half the time Episode 2350: Mortgage Prepayment Made Easy: Own Your Home in Half the Time by JD Roth of Get Rich Slowly J.D. Roth has been reading and writing about personal finance for a decade. Today he's financially independent, but ten years ago, his money life was a disaster, with over $35,000 in consumer debt. He started turning everything around in 2004. By being the boss of your own life, you, too, can be the master of your own financial fate. The original post is located here: https://www.getrichslowly.org/mortgage-prepayment-made-easy-own-your-home-in-half-the-time/  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

J.D. Roth of Get Rich Slowly helps you pay your mortgage off in half the time Episode 2350: Mortgage Prepayment Made Easy: Own Your Home in Half the Time by JD Roth of Get Rich Slowly J.D. Roth has been reading and writing about personal finance for a decade. Today he's financially independent, but ten years ago, his money life was a disaster, with over $35,000 in consumer debt. He started turning everything around in 2004. By being the boss of your own life, you, too, can be the master of your own financial fate. The original post is located here: https://www.getrichslowly.org/mortgage-prepayment-made-easy-own-your-home-in-half-the-time/  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

*NEW ITEM!* Purchase my newest book! "15 Conversations with Real Estate Millionaires" https://amzn.to/3CGOWOU

Did you know you may be charged a prepayment penalty for attempting to pay off your loans early?  Prepayment penalties are fees that some lenders charge if you refinance or pay your mortgage off early. Not only are they fairly common—they're also often misunderstood by borrowers. In this article, we'll discuss how a mortgage prepayment penalty works, the types of prepayment penalties you may encounter, and how to avoid paying them.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Strategy Saturday; I'm Charles Carillo and today we're going to be discussing Prepayment Penalties on Commercial Loans. When searching out a mortgage for a commercial property; most new investors will focus on obtaining the lowest fixed-rate debt they are able to find. However, there are other parts of a commercial loan that need to be taken into consideration; like the the prepayment penalty. In this episode, Charles discusses prepayment penalties and why they are one of the most important parts of a commercial loan. Connect with the Global Investors Show, Charles Carillo and Harborside Partners: ◾ Setup a FREE 30 Minute Strategy Call with Charles: http://ScheduleCharles.com ◾ FREE Passive Investing Guide: http://www.HSPguide.com ◾ Join Our Weekly Email Newsletter: http://www.HSPsignup.com ◾ Passively Invest in Real Estate: http://www.InvestHSP.com ◾ Global Investors Web Page: http://GlobalInvestorsPodcast.com/

If companies know they inappropriately installed a prepayment meter, then they should fix it now' was the message today from the CEO of the energy regulator OFGEM. The forced installation of prepayment meters was suspended after an investigation by The Times into British Gas contractors breaking into the homes of vulnerable customers to force-fit meters. OFGEM will investigate British Gas and will also review regulations on the installation of prepayment meters, which have increased sharply over the last year. Credit: Reuters Location: Cardiff, United Kingdom Copyright: Reuters/Natasha Hirst

The latest national and international news from BBC Radio 4

In today's episode, MUFG Head of Prepayment Modeling and Strategy, Glenn Schultz reviews December's remittance data and addresses the question: are we in the winter of prepayment or are the slow speeds just turnover? He also discusses relative value across the specified pool and derivative markets. Disclaimer: www.mufgresearch.com (PDF)

Today, my guest is Kevin swilled. Kevin is the CEO of Thirty Capital Financial, a commercial real estate debt advisory firm and pioneer in the defeasance space. Kevin is an accomplished executive with experience in acquisitions does dispositions, financing, capital raising asset and property management.

This week we're covering the passthrough entity tax June 15 prepayment requirement as it relates to new entities and fiscal-year taxpayers.