Commercial Lending
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| Asset-Based Lending | A type of financing in which the banks analyze profit and loss statements, tax returns, and business plans to make lending decisions based on business income
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| Bridge Loans | A particular form of short-term loan used to cover expenses until long-term financing is in place
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| Commercial Lending | Lending to business enterprises
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| Debt Ratio | The total obligations compared to total income
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| Debt Service Coverage Ratio | This ratio provides a look at a company's overall position. It compares net operating income to the total cost of debt
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| Factoring | A form of asset-based lending in which cash is advanced to a business in exchange for its receivables
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| Loan-to-Value Ratio | A critical ratio in which the principal amount of the loan is divided by the value of the securing property
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| Manufacturers | They build items to sell
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| Merchandisers | They sell goods or services
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| Short-term Loans | A loan that is for a year or less, mostly used for seasonal or cyclical business costs, such as increasing inventory or maintaining the business until predictable receivables arrive
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| Small Business Administration | An organization that offers a number of financial, technical, and management programs to help businesses
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| Term Loans | A loan that finances permanent working capital, equipment, real estate business expansion or acquisition of another business
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Created by:
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