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loans [2024/11/01 15:43] – adminloans [2024/11/05 19:10] (current) – [Small Business Administration (SBA) Loans] admin
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-<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"></bpmn:conditionExpression> 
-    </bpmn:sequenceFlow> 
- 
-    <bpmn:sequenceFlow id="flow_to_lender_selection" sourceRef="credit_check_gateway" targetRef="lender_selection"> 
-      <bpmn:conditionExpression xsi:type="bpmn:tFormalExpression"></bpmn:conditionExpression> 
-    </bpmn:sequenceFlow> 
- 
-  </bpmn:process> 
-</bpmn:definitions> 
-</bpmnio> 
  
loans.1730475815.txt.gz · Last modified: 2024/11/01 15:43 by admin