Lexipedia - Process for the people

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# Traditional Business Loans

## Commercial Bank Loans - Term Loans

1. Fixed-rate structures
2. Variable-rate structures
3. Balloon payment options
4. Process focus: Underwriting requirements, covenant monitoring

- Commercial Lines of Credit

1. Secured vs. unsecured
2. Borrowing base calculations
3. Process focus: Periodic review, collateral monitoring

- Equipment Financing

1. Direct purchase loans
2. Sale-leaseback arrangements
3. Process focus: Asset valuation, depreciation handling

## Small Business Administration (SBA) Loans - SBA 7(a) Loans

1. Standard 7(a)
2. 7(a) Small Loan
3. SBA Express
4. Process focus: Application requirements, guarantee maintenance

- CDC/504 Loans

1. Real estate acquisition
2. Equipment financing
3. Process focus: CDC coordination, project validation

- Microloans

1. Working capital
2. Inventory purchase
3. Process focus: Technical assistance requirements

# Alternative Lending Structures

## Revenue-Based Financing - Percentage of Revenue Models

1. Fixed percentage arrangements
2. Variable percentage structures
3. Process focus: Revenue verification, payment automation

- Merchant Cash Advances

1. Credit card revenue based
2. Platform revenue based
3. Process focus: Payment integration, risk monitoring

## Asset-Based Lending - Inventory Financing

1. Warehouse lending
2. Floor plan financing
3. Process focus: Inventory monitoring, valuation updates

- Accounts Receivable Financing

1. Factoring arrangements
2. Invoice financing
3. Process focus: Debtor verification, collection procedures

- Purchase Order Financing

1. Pre-shipment financing
2. Post-shipment financing
3. Process focus: Supply chain verification, milestone tracking

## Emerging Financial Technologies

### DeFi Lending - Collateralized Debt Positions

1. Cryptocurrency-backed loans
2. Smart contract governance
3. Process focus: Collateral ratio monitoring, liquidation procedures

- Flash Loans

1. Atomic transactions
2. Arbitrage opportunities
3. Process focus: Smart contract security, risk parameters

### Platform Lending - P2P Business Loans

1. Direct lending platforms
2. Marketplace arrangements
3. Process focus: Platform integration, investor matching

- Embedded Finance Solutions

1. E-commerce platform lending
2. SaaS platform financing
3. Process focus: API integration, automated underwriting

# Specialized Financing Structures

## Project Finance - Infrastructure Loans

1. Construction financing
2. Operation financing
3. Process focus: Project milestone monitoring, disbursement controls

- Energy Project Loans

1. Renewable energy projects
2. Traditional energy infrastructure
3. Process focus: Performance metrics, regulatory compliance

## Real Estate Finance - Commercial Mortgages

1. Owner-occupied properties
2. Investment properties
3. Process focus: Property valuation, tenant analysis

- Construction Loans

1. Ground-up construction
2. Renovation financing
3. Process focus: Draw schedules, inspection requirements

## International Trade Finance - Export Financing

1. Pre-export financing
2. Post-shipment financing
3. Process focus: Documentation requirements, currency handling

- Import Financing

1. Letter of credit financing
2. Documentary collections
3. Process focus: Trade document verification, compliance checks

# Process Components for Each Loan Type

## Documentation Requirements - Application processes - Due diligence checklists - Closing requirements - Monitoring procedures

## Risk Assessment Frameworks - Credit analysis requirements - Collateral evaluation - Industry risk factors - Market condition impacts

## Regulatory Compliance - Jurisdiction-specific requirements - Industry regulations - Reporting obligations - Disclosure requirements

## Operational Workflows - Origination processes - Servicing requirements - Default management - Workout procedures

# Implementation Considerations

## Technology Integration - Core banking systems - Payment platforms - Monitoring tools - Reporting systems

## Stakeholder Management - Borrower requirements - Lender obligations - Third-party roles - Regulatory oversight

## Risk Mitigation Strategies - Insurance requirements - Covenant structures - Security arrangements - Monitoring frameworks