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Banks are Cash Flow and Collateral Lenders Targeting

Banks are Cash Flow and Collateral Lenders Targeting. Operating Companies MFG Distribution Service Companies. Types of Lending. Working Capital (Revolving Lines of Credit ) Term Loans (Real Estate and Equipment ) Construction Lending. Collateral – Cash Flow – Character.

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Banks are Cash Flow and Collateral Lenders Targeting

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  1. Banks are Cash Flow and Collateral Lenders Targeting Operating Companies MFG Distribution Service Companies

  2. Types of Lending Working Capital (Revolving Lines of Credit) Term Loans (Real Estate and Equipment) Construction Lending

  3. Collateral – Cash Flow – Character Accounts Receivable, Inventory, Equipment Real Estate, Marketable Securities, CVSLI Capacity to service debt (Debt Payments/Cash Flow) Sound Credit History Experienced Management

  4. Typical Bank Requirements Equity (Retention of Earnings) Profitability, Allow the business to earn at least a $1.00 Personal Guaranty Additional Collateral

  5. Government and Partnership Financing Programs National Government Guaranteed Programs Small Business Administration (SBA) 7a ($5,000,000) Export Express (Limited to $500K) Export Working Capital Program (EWCP) International Trade Loan (ITL) CAP Lines (Revolving $5,000,000) Patriot Express ($500K focused on Veterans) Express (Limited to $250K) Small Loan Advantage ($350K) 504 CDC Real Estate Loans

  6. Government and Partnership Financing Programs United States Department of Agriculture (USDA) Business & Industrial (B&I) (Real Estate and Equipment Census based) Community Facilities (for non-profits & towns/cities)-financing for assisted home, hospitals, fire stations, etc… Rural Energy For America (REAP) Guaranteed Loan Program (9007) Export Import Bank of the U.S. Working Capital (2-Year term Revolving in Nature) Export oversea buyer financing programs of U.S. products (100% guaranteed) State & Local (non-guaranteed)  Arizona Commerce Authority (ACA) Industrial Development Authorities (IDA’s-various) EXPAND program (collateral assistance in Phoenix & Chandler) Phoenix Community Development & Investment Corporation (PCDIC)

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