Funding & Capital
Small Business Lending & Loans
Stop Getting Declined. Learn How Lenders Actually Decide.
12 lessons4 modules9h 0m durationbeginner level
About this course
Most owners apply for the wrong loan, at the wrong lender, with the wrong package, and get declined. This course walks through every major small business debt product, the underwriting criteria lenders actually use, and the documents and ratios that drive approval. By the end you can pick the right product, size it correctly, and present numbers that a credit analyst will trust.
Curriculum
Module 1: How Lenders Think: The Credit Decision
- The 5 Cs of Credit and What Each One MeansPreview
- Debt Service Coverage Ratio: The Number That Decides Everything🔒
- Reading Your Credit Like an Underwriter Does🔒
Module 2: The Loan Product Menu: Term Loans and Lines of Credit
- Term Loans: Lump-Sum Capital for Big Moves🔒
- Lines of Credit: Flexible Capital for Cash Flow Gaps🔒
- Choosing Your Lender: Banks, Credit Unions, and Online🔒
Module 3: SBA Loans and Equipment Financing
- SBA 7(a): The Flagship Government-Backed Loan🔒
- SBA 504 and Microloans: The Right Tool for the Job🔒
- Equipment Financing and Leasing🔒
Module 4: Getting Approved: The Application, the Offer, the Signature
- Building the Loan Application Package🔒
- Comparing Offers: APR, Fees, and True Cost🔒
- Negotiating Terms and Avoiding the Traps🔒
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