Differences

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

--- loans [2024/11/01 15:54] – [Edit diagram] admin
+++ loans [2024/11/05 19:10] (current) – [Small Business Administration (SBA) Loans] admin
@@ Line 1: / Line 1: @@
-Links out to [[504 financing]]
+===== Traditional Business Loans =====
+==== Commercial Bank Loans ====
+- Term Loans
+  - Fixed-rate structures
+  - Variable-rate structures
+  - 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
+==== Small Business Administration (SBA) Loans ====
+- SBA 7(a) Loans
+  - Standard 7(a)
+  - 7(a) Small Loan
+  - SBA Express
+  - Process focus: Application requirements, guarantee maintenance
+- [[CDC/504 Loans]]
+  - Real estate acquisition
+  - Equipment financing
+  - Process focus: CDC coordination, project validation
+- Microloans
+  - Working capital
+  - Inventory purchase
+  - Process focus: Technical assistance requirements
+===== Alternative Lending Structures =====
+==== Revenue-Based Financing =====
+- Percentage of Revenue Models
+  - Fixed percentage arrangements
+  - Variable percentage structures
+  - Process focus: Revenue verification, payment automation
+- Merchant Cash Advances
+  - Credit card revenue based
+  - Platform revenue based
+  - Process focus: Payment integration, risk monitoring
+==== Asset-Based Lending ====
+- Inventory Financing
+  - Warehouse lending
+  - Floor plan financing
+  - Process focus: Inventory monitoring, valuation updates
+- Accounts Receivable Financing
+  - Factoring arrangements
+  - Invoice financing
+  - Process focus: Debtor verification, collection procedures
+- Purchase Order Financing
+  - Pre-shipment financing
+  - Post-shipment financing
+  - Process focus: Supply chain verification, milestone tracking
+===== Emerging Financial Technologies =====
+==== DeFi Lending ====
+- Collateralized Debt Positions
+  - Cryptocurrency-backed loans
+  - Smart contract governance
+  - Process focus: Collateral ratio monitoring, liquidation procedures
+- Flash Loans
+  - Atomic transactions
+  - Arbitrage opportunities
+  - Process focus: Smart contract security, risk parameters
+==== Platform Lending ====
+- P2P Business Loans
+  - Direct lending platforms
+  - Marketplace arrangements
+  - Process focus: Platform integration, investor matching
+- Embedded Finance Solutions
+  - E-commerce platform lending
+  - SaaS platform financing
+  - Process focus: API integration, automated underwriting
+===== Specialized Financing Structures =====
+==== Project Finance ====
+- Infrastructure Loans
+  - Construction financing
+  - Operation financing
+  - Process focus: Project milestone monitoring, disbursement controls
+- Energy Project Loans
+  - Renewable energy projects
+  - Traditional energy infrastructure
+  - Process focus: Performance metrics, regulatory compliance
+==== Real Estate Finance ====
+- Commercial Mortgages
+  - Owner-occupied properties
+  - Investment properties
+  - Process focus: Property valuation, tenant analysis
+- Construction Loans
+  - Ground-up construction
+  - Renovation financing
+  - Process focus: Draw schedules, inspection requirements
+==== International Trade Finance ====
+- Export Financing
+  - Pre-export financing
+  - Post-shipment financing
+  - Process focus: Documentation requirements, currency handling
+- Import Financing
+  - Letter of credit financing
+  - Documentary collections
+  - Process focus: Trade document verification, compliance checks
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