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
- 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