Navigating Uncertainty in the Banking Industry

Given the two recent bank failures (Silicon Valley Bank and Signature Bank), one of the main questions now is how this will impact the industry as a whole. We’ve already seen some of the impact in the stock volatility of regional banks. And we probably should expect to see some credit tightening as banks view these failures as a warning sign and become more risk averse.

While bank management will be looking at the more global issues (e.g., do we have some of the same issues as SVB and Signature Bank, will the regulators be looking at us differently, do we need to pivot, etc.), if you’re a bank line officer what can you be doing? Probably most importantly, understand:

  1. Your bank’s position to be able to address client questions/concerns.
  2. If you need to tighten up on credit.
  3. If you need to more quickly move out marginal borrowers.

In uncertain times, it’s always important to assess how clients and prospective clients will react to situations like these and how that impacts you. That will enable you to move in a direction that’s better for them and better for you and your organization.

About Celtic Capital
Companies looking for working capital to cover operating expenses, fund growth, increase buying power and take advantage of vendor discounts and rebates turn to Celtic Capital. With an appetite for the more complex transactions, Celtic Capital has a history of success in crafting creative, flexible asset based financing solutions from $500,000 to $5 million with no financial covenants.

As an independent lender, working with companies nationwide, Celtic Capital is willing and able to alter price and deal structure and expand lines of credit to handle its clients’ increased revenues; and when cash flow is an issue, will look toward providing an inventory facility to help offset lost cash flow.

If you know of, or are, a business in need of non-traditional financing, contact Mark Hafner at 800.742.0733 or, or visit us at