Spinach Artichoke Pizza
Setting New Clients Up for Success
INGREDIENTS • 1 loaf frozen bread dough
How Brokers Can Better Serve First-Time Equipment Buyers
• 7 oz artichoke hearts, chopped • Several handfuls of fresh spinach • Pepper, to taste
• 2 tbsp garlic herb spreadable cheese • 1 cup shredded mozzarella cheese • 1/2 cup shredded Gruyere cheese
DIRECTIONS 1. Thaw dough according to package directions and let it rise for 2 hours. 2. Preheat oven to 450 F. 3. Coat a 10-inch cast-iron skillet with non-stick spray, then gently stretch dough to fit. 4. Spread garlic herb cheese evenly across the entire dough layer. 5. Sprinkle mozzarella and Gruyere cheeses evenly over dough, reserving a small amount of each. 6. As the topping, scatter chopped artichoke hearts, followed by a layer of torn spinach leaves, and then the reserved cheeses. Add black pepper to taste. 7. Bake for 15–18 minutes, until the edges are golden brown and crisp.
When you are working with first-time equipment buyers, you can go beyond just finding financing and closing the deal. As a broker, you can truly be their guide and coach, educating them on all the options, managing their expectations, and structuring deals that support them for the long term, not just a one-off interaction. By being thorough when evaluating their cash flow and credit, as well as seeking flexible financing options, you can help them achieve their goals. Set the stage. Be that coach to your client from the very start. Transparency and honesty are crucial, so be up front about the process and pricing. You can help them understand what fair market value is and use your expertise to ask them the right questions to determine their specific needs and budget. You know best what they can expect for a timeline, potential roadblocks, and their financial outcomes. Monitor and manage their expectations from the outset.
Inspired by BlueBowlRecipes.com
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Review the full picture. Go beyond the surface level and dig deep into your client’s credit and the full picture of the equipment they are financing. Credit is more than just a score. You need to explore how long they have had credit, their payment history, their ability to make monthly payments, and their capital and collateral. You also want to create an equipment profile that looks at more than just the price tag. Identify the age, condition, expected lifetime, and resale value of the equipment to understand its financeability and how to structure the deal. Check real cash flow. For first-time buyers, there may be limited historical financial data to look at. Run a cash flow analysis to determine if the revenue can actually support the loan ask. Look at their operating, investment, and financing activities over the past year or two to see how much money they generate. Once you’ve determined their cash flow, you can start looking at terms that will preserve their working capital and meet their goals. Aim for flexible payment structures that keep monthly payments predictable, or consider deferred payment options as revenue grows.
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