Tag Archives: business loans

Community Banks and Commercial Loan Syndications

Introduction to Commercial Loan Syndication – Tips for bankers The purpose of this article is to give a small introduction to the syndicated loan market. The target for the article is the underwriter or lender in a community bank that … Continue reading

Posted in Business Loans | Tagged , | Leave a comment

Commercial Loan Participations for Small Banks

A loan participation is the sale of a fractional ownership in a loan asset by the bank that has the primary relationship with a borrower “the lead bank” to another financial institution “the participant bank”.  The participation is documented with … Continue reading

Posted in Business Loans | Tagged , , | Leave a comment

Speculative commercial loans – Sloppy commercial loan underwriting

Commercial loan underwriting is a profession where objectivity and subjectivity work hand in hand. While commercial credit analysis relies substantially on ratios and their comparison with industry standards, there is a lot of customization due to the wide range of … Continue reading

Posted in Business Loans | Tagged , , | Leave a comment

Working capital lines of credit for exporters

Small business exporters experience difficulty obtaining financing from bank lenders due to the control and collectability problems that might arise from financing foreign accounts receivable. Lenders are hesitant to lend on foreign trade assets, and most lenders would either consider … Continue reading

Posted in Business Loans | Tagged , , , | Leave a comment

Exporting 101 for Small Business – Loans with Export Insurance

When a small business owner tries to get into exports, it encounters two serious obstacles. a) Dealing with the difficulty of a foreign customer base, and what that entails. (difficulty assessing their creditworthiness, longer terms required to make the sale, … Continue reading

Posted in Business Loans | Tagged , , | Leave a comment