Differences

This shows you the differences between two versions of the page.

--- loans [2024/11/01 15:40] – created admin
+++ loans [2024/11/05 19:10] (current) – [Small Business Administration (SBA) Loans] admin
@@ Line 1: / Line 1: @@
-<bpmnio type="bpmn">
+===== Traditional Business Loans =====
-<?xml version="1.0" encoding="UTF-8"?>
-<bpmn:definitions xmlns:bpmn="http://www.omg.org/spec/BPMN/20100524/MODEL" xmlns:bpmndi="http://www.omg.org/spec/BPMN/20100524/DI" xmlns:dc="http://www.omg.org/spec/DD/20100524/DC" xmlns:camunda="http://camunda.org/schema/1.0/bpmn" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" id="Definitions_1" targetNamespace="http://bpmn.io/schema/bpmn">
-  <bpmn:process id="sba_loan_process" name="SBA Loan Application Process" isExecutable="true">
-    <!-- Start Event -->
-    <bpmn:startEvent id="start_event" name="Start Application">
-      <bpmn:outgoing>flow_to_research</bpmn:outgoing>
-    </bpmn:startEvent>
-    <!-- Initial Research Task -->
+==== Commercial Bank Loans ====
-    <bpmn:task id="research_task" name="Research SBA Loan Types">
+- Term Loans
-      <bpmn:incoming>flow_to_research</bpmn:incoming>
+  - Fixed-rate structures
-      <bpmn:outgoing>flow_to_loan_choice</bpmn:outgoing>
+  - Variable-rate structures
-    </bpmn:task>
+  - Balloon payment options
+  - Process focus: Underwriting requirements, covenant monitoring
+- Commercial Lines of Credit
+  - Secured vs. unsecured
+  - Borrowing base calculations
+  - Process focus: Periodic review, collateral monitoring
+- Equipment Financing
+  - Direct purchase loans
+  - Sale-leaseback arrangements
+  - Process focus: Asset valuation, depreciation handling
-    <!-- Loan Type Gateway -->
+==== Small Business Administration (SBA) Loans ====
-    <bpmn:exclusiveGateway id="loan_type_gateway" name="Choose Loan Type">
+- SBA 7(a) Loans
-      <bpmn:incoming>flow_to_loan_choice</bpmn:incoming>
+  - Standard 7(a)
-      <bpmn:outgoing>flow_to_7a</bpmn:outgoing>
+  - 7(a) Small Loan
-      <bpmn:outgoing>flow_to_504</bpmn:outgoing>
+  - SBA Express
-      <bpmn:outgoing>flow_to_microloan</bpmn:outgoing>
+  - Process focus: Application requirements, guarantee maintenance
-    </bpmn:exclusiveGateway>
+- [[CDC/504 Loans]]
+  - Real estate acquisition
+  - Equipment financing
+  - Process focus: CDC coordination, project validation
+- Microloans
+  - Working capital
+  - Inventory purchase
+  - Process focus: Technical assistance requirements
-    <!-- Parallel Document Preparation for 7a -->
+===== Alternative Lending Structures =====
-    <bpmn:parallelGateway id="parallel_doc_start">
-      <bpmn:incoming>flow_to_7a</bpmn:incoming>
-      <bpmn:outgoing>flow_to_business_docs</bpmn:outgoing>
-      <bpmn:outgoing>flow_to_financial_docs</bpmn:outgoing>
-      <bpmn:outgoing>flow_to_business_plan</bpmn:outgoing>
-      <bpmn:outgoing>flow_to_personal_docs</bpmn:outgoing>
-    </bpmn:parallelGateway>
-    <!-- Business Documents Sub-Process -->
+==== Revenue-Based Financing =====
-    <bpmn:subProcess id="business_docs_subprocess" name="Gather Business Documents">
+- Percentage of Revenue Models
-      <bpmn:incoming>flow_to_business_docs</bpmn:incoming>
+  - Fixed percentage arrangements
-      <bpmn:outgoing>flow_to_doc_complete</bpmn:outgoing>
+  - Variable percentage structures
+  - Process focus: Revenue verification, payment automation
-      <bpmn:startEvent id="start_business_docs"/>
+- Merchant Cash Advances
-      <bpmn:parallelGateway id="parallel_business_docs"/>
+  - Credit card revenue based
+  - Platform revenue based
-      <bpmn:task id="tax_returns" name="Prepare Tax Returns - 3 Years"/>
+  - Process focus: Payment integration, risk monitoring
-      <bpmn:task id="business_licenses" name="Gather Business Licenses"/>
-      <bpmn:task id="legal_documents" name="Collect Legal Documents"/>
-      <bpmn:endEvent id="end_business_docs"/>
-    </bpmn:subProcess>
-    <!-- Financial Documents Sub-Process -->
+==== Asset-Based Lending ====
-    <bpmn:subProcess id="financial_docs_subprocess" name="Prepare Financial Statements">
+- Inventory Financing
-      <bpmn:incoming>flow_to_financial_docs</bpmn:incoming>
+  - Warehouse lending
-      <bpmn:outgoing>flow_to_doc_complete</bpmn:outgoing>
+  - Floor plan financing
+  - Process focus: Inventory monitoring, valuation updates
-      <bpmn:startEvent id="start_financial_docs"/>
+- Accounts Receivable Financing
-      <bpmn:parallelGateway id="parallel_financial_docs"/>
+  - Factoring arrangements
+  - Invoice financing
-      <bpmn:task id="balance_sheet" name="Create Balance Sheet"/>
+  - Process focus: Debtor verification, collection procedures
-      <bpmn:task id="pl_statement" name="Prepare P&amp;L Statement"/>
+- Purchase Order Financing
-      <bpmn:task id="cash_flow" name="Project Cash Flow"/>
+  - Pre-shipment financing
+  - Post-shipment financing
-      <bpmn:endEvent id="end_financial_docs"/>
+  - Process focus: Supply chain verification, milestone tracking
-    </bpmn:subProcess>
-    <!-- Document Package Completion Gateway -->
+===== Emerging Financial Technologies =====
-    <bpmn:parallelGateway id="parallel_doc_complete">
-      <bpmn:incoming>flow_to_doc_complete</bpmn:incoming>
-      <bpmn:outgoing>flow_to_credit_check</bpmn:outgoing>
-    </bpmn:parallelGateway>
-    <!-- Credit Check Gateway -->
+==== DeFi Lending ====
-    <bpmn:exclusiveGateway id="credit_check_gateway" name="Credit Score Check">
+- Collateralized Debt Positions
-      <bpmn:incoming>flow_to_credit_check</bpmn:incoming>
+  - Cryptocurrency-backed loans
-      <bpmn:outgoing>flow_to_lender_selection</bpmn:outgoing>
+  - Smart contract governance
-      <bpmn:outgoing>flow_to_credit_repair</bpmn:outgoing>
+  - Process focus: Collateral ratio monitoring, liquidation procedures
-    </bpmn:exclusiveGateway>
+- Flash Loans
+  - Atomic transactions
+  - Arbitrage opportunities
+  - Process focus: Smart contract security, risk parameters
-    <!-- Credit Repair Task -->
+==== Platform Lending ====
-    <bpmn:task id="credit_repair" name="Credit Repair Actions">
+- P2P Business Loans
-      <bpmn:incoming>flow_to_credit_repair</bpmn:incoming>
+  - Direct lending platforms
-      <bpmn:outgoing>flow_to_credit_recheck</bpmn:outgoing>
+  - Marketplace arrangements
-    </bpmn:task>
+  - Process focus: Platform integration, investor matching
+- Embedded Finance Solutions
+  - E-commerce platform lending
+  - SaaS platform financing
+  - Process focus: API integration, automated underwriting
-    <!-- Lender Selection and Submission -->
+===== Specialized Financing Structures =====
-    <bpmn:task id="lender_selection" name="Select and Submit to Lenders">
-      <bpmn:incoming>flow_to_lender_selection</bpmn:incoming>
-      <bpmn:outgoing>flow_to_lender_review</bpmn:outgoing>
-    </bpmn:task>
-    <!-- Lender Review Gateway -->
+==== Project Finance ====
-    <bpmn:exclusiveGateway id="lender_review_gateway" name="Initial Approval">
+- Infrastructure Loans
-      <bpmn:incoming>flow_to_lender_review</bpmn:incoming>
+  - Construction financing
-      <bpmn:outgoing>flow_to_sba_application</bpmn:outgoing>
+  - Operation financing
-      <bpmn:outgoing>flow_to_address_concerns</bpmn:outgoing>
+  - Process focus: Project milestone monitoring, disbursement controls
-    </bpmn:exclusiveGateway>
+- Energy Project Loans
+  - Renewable energy projects
+  - Traditional energy infrastructure
+  - Process focus: Performance metrics, regulatory compliance
-    <!-- SBA Application and Review -->
+==== Real Estate Finance ====
-    <bpmn:task id="sba_application" name="Complete SBA Application">
+- Commercial Mortgages
-      <bpmn:incoming>flow_to_sba_application</bpmn:incoming>
+  - Owner-occupied properties
-      <bpmn:outgoing>flow_to_sba_review</bpmn:outgoing>
+  - Investment properties
-    </bpmn:task>
+  - Process focus: Property valuation, tenant analysis
+- Construction Loans
+  - Ground-up construction
+  - Renovation financing
+  - Process focus: Draw schedules, inspection requirements
-    <!-- SBA Review Gateway -->
+==== International Trade Finance ====
-    <bpmn:exclusiveGateway id="sba_review_gateway" name="SBA Review">
+- Export Financing
-      <bpmn:incoming>flow_to_sba_review</bpmn:incoming>
+  - Pre-export financing
-      <bpmn:outgoing>flow_to_underwriting</bpmn:outgoing>
+  - Post-shipment financing
-      <bpmn:outgoing>flow_to_additional_docs</bpmn:outgoing>
+  - Process focus: Documentation requirements, currency handling
-      <bpmn:outgoing>flow_to_denial</bpmn:outgoing>
+- Import Financing
-    </bpmn:exclusiveGateway>
+  - Letter of credit financing
+  - Documentary collections
+  - Process focus: Trade document verification, compliance checks
-    <!-- Closing Process -->
-    <bpmn:subProcess id="closing_subprocess" name="Closing Process">
-      <bpmn:incoming>flow_to_closing</bpmn:incoming>
-      <bpmn:outgoing>flow_to_funding</bpmn:outgoing>
-      <bpmn:parallelGateway id="parallel_closing"/>
-      <bpmn:task id="insurance_verification" name="Verify Insurance"/>
-      <bpmn:task id="asset_verification" name="Verify Assets"/>
-      <bpmn:task id="legal_review" name="Legal Review"/>
-      <bpmn:task id="sign_documents" name="Sign Final Documents"/>
-    </bpmn:subProcess>
-    <!-- Funding Gateway -->
-    <bpmn:exclusiveGateway id="funding_gateway" name="Disbursement Type">
-      <bpmn:incoming>flow_to_funding</bpmn:incoming>
-      <bpmn:outgoing>flow_to_single_payment</bpmn:outgoing>
-      <bpmn:outgoing>flow_to_scheduled_payment</bpmn:outgoing>
-    </bpmn:exclusiveGateway>
-    <!-- End Events -->
-    <bpmn:endEvent id="end_event_funded" name="Loan Funded">
-      <bpmn:incoming>flow_to_end_funded</bpmn:incoming>
-    </bpmn:endEvent>
-    <bpmn:endEvent id="end_event_denied" name="Application Denied">
-      <bpmn:incoming>flow_to_end_denied</bpmn:incoming>
-    </bpmn:endEvent>
-    <!-- Additional Gateway Conditions -->
-    <bpmn:sequenceFlow id="flow_to_credit_repair" sourceRef="credit_check_gateway" targetRef="credit_repair">
-      <bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">${creditScore < 680}</bpmn:conditionExpression>
-    </bpmn:sequenceFlow>
-    <bpmn:sequenceFlow id="flow_to_lender_selection" sourceRef="credit_check_gateway" targetRef="lender_selection">
-      <bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">${creditScore >= 680}</bpmn:conditionExpression>
-    </bpmn:sequenceFlow>
-  </bpmn:process>
-</bpmn:definitions>
-</bpmnio>