In a time in which everyone is taking a couple moments to think of the consequences of their actions, standards have changed, giving way to a very careful and cautious train of thought. Lenders are no outlier in this statistic. Tauro Capital Advisors’ Senior Director Anthony Johnston discusses how lenders are acting with their new cautious mindsets and what he expects to see in the upcoming year. Johnston goes on to discuss the availability of capital, where he sees the future of the underwriting process going, lending trends, market trends, and other topics that have remained mysterious and unanswered since the start of the pandemic.