Cardinal Capital

12/01/2025

Contact us for all things and .

Chris Reid, [email protected] 225-505-7820
Gary Anderson, [email protected] 225-266-2824
Rob Powell, [email protected]

Partners, Cardinal Capital

10/07/2025

Personal Guarantees - the Promise Behind the Paper.

All things commercial capital, and business brain snacks, from the Cardinal Capital studio in South Louisiana.

10/05/2025

09/17/2025

FED CUTS RATES by 0.25%
The Federal Reserve just lowered the federal funds rate target to 4.00–4.25%, citing slower economic growth, a cooling job market, and persistent inflation.

What this means:
-Borrowing costs are coming down (good news for businesses).
-Banks will be recalibrating portfolios and client conversations.
-Uncertainty remains high—flexibility is key.

👉 Bankers: Now’s the moment to guide clients with clarity.
👉 Business owners: This shift can unlock growth—but only if you’re positioned to move.

At Cardinal Capital, we stay rate agnostic—our role is to help businesses and lenders find the best structures, regardless of where rates land. The opportunity is here for those ready to act.

08/29/2025

The Capital Stack. Available here and wherever you download your podcasts.

Commercial lending's capital stack is like a high-stakes game of Jenga where millions of dollars and panic replace wooden blocks and laughter. The structure and sequence of your funding sources must be precisely arranged for deal success, with eve...

08/17/2025

[email protected].

08/17/2025

https://www.linkedin.com/posts/cardinalcapital_commerciallending-fintech-speedtoclose-activity-7362856986763214848-1RgW?utm_source=share&utm_medium=member_desktop&rcm=ACoAAAAd-SUBB3OsWULNobsQOotpTVga_eyzFgA

In commercial lending, “slow and steady” doesn’t win the race—it doesn’t even make it to the starting line. The market moves fast. Borrowers expect bespoke. AI makes both possible. So why are some lenders still treating every deal like it’s 1995? Here’s why speed + personalization is t...

07/02/2025

3 Myths That Could Be Costing You a Great Business Loan
There’s a lot of misinformation out there about how commercial lending really works—and it’s hurting smart business owners and good deals.

In this episode of my Capital Talk podcast, I break down:
✔️ Why chasing the lowest rate can backfire
✔️ How SBA loans can actually speed things up
✔️ And why working with a broker can be your best move

🎧 Give it a listen here:
👉 https://www.buzzsprout.com/2064177/episodes/17406062

If you're stuck, frustrated, or just ready for answers—this is for you.

Think you know how business loans work? Think again.In this episode of Capital Talk, Rob Powell breaks down three of the most persistent myths in commercial lending—and how believing them can cost business owners time, money, and opportunity.You’l...

06/30/2025

With stress tests passed and dividends rising, US banks appear bulletproof… but what’s next for commercial lending?

The Fed’s 2025 stress test showed 22 major US banks can withstand a severe recession—leading to approval for dividend hikes and buybacks

Strong capital cushions support lending capacity and investor confidence—even as loan growth slows.

Twenty-two of the largest banks in the U.S. are well-positioned to weather a hypothetical severe economic downturn and continue lending, with firms maintaining robust capital levels even after suffering hundreds of billions of dollars in losses, the Federal Reserve reported on Friday.