Buy Now Pay Later

BPNL took the country – indeed, the world – by a storm.  It is one of the big winners of the COVID era, where so many consumers were forced to buy essentials online vs. in stores.  One can hardly buy anything online without being offered the beautiful option of paying for the purchase in four equal installments.  This occurs regardless to the amount of the purchase, and the interest rate is buried in the payment…

Spotlight On Boards

The ever-evolving challenges facing corporate boards prompt periodic updates to a snapshot of what is expected from the board of directors of a public company—not just the legal rules, or the principles published by institutional investors and various corporate and investor associations, but also the aspirational “best practices” that have come to have equivalent influence on board and company behavior. The ongoing coronavirus pandemic and resulting economic and social turbulence, combined with the wide embrace of ESG, stakeholder governance and sustainable long-term…

Debt Forgiveness and Loan Modifications

We’ve all been eyeball-deep in PPP for eight weeks, and now debt forgiveness is looming ahead, albeit with minimal guidance. As you organize yourself to handle this next deluge, I’m sure you’ll apply many of the lessons learned during the initial PPP process.  In addition, here are some thoughts for you: • Don’t wait.  Start organizing – not just planning – right now.  Put together a committee that meets frequently to pull together the resources,…