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Your Bank > Education and Advice > CNB University

Nieman, JoAnn

Jul 08, 2011
How Banks Limit Risk in Commercial Lending

How Banks Limit Risk in Commercial Lending: Five C's of Credit - Character, Capacity, Capital, Collateral and Conditions.  Structural tools for commercial lending: Loan-to-Value, Debt Service Coverage Ratio, Financial Covenants, Subordination of Officer Debt, Borrowing Base.

Jul 08, 2011
Jul 08, 2011
Sources of Funding: Loans & Grants

Sources of Funding: Loans & Grants- Working Capital Lines of Credit, Equipment Lines of Credit and Loans, Term Loans, Commercial Mortgages, Bridge Financing, Construction Loans and Lines of Credit, land Development Loans, Letters of Credit and Demand Loans. Sources of Loans, Grants and the types of facilities provided. Commercial Bans, United States Small Business Administration (SBA), New York State Excelsior Linked Deposit Program (LDP), Local Economic Development Agencies, New York Business Development Corporation (NYBDC), United States Department of Agriculture (USDA) Rural Development Agency, New York’s Upstate Regional Blueprint Fund Program, New York State Energy Research and Development Authority (NYSERDA), Venture Capital, Private Financing and Specialty Lending Sources, i.e. Factoring Agents, Asset Based Lenders, Warehousing Lines, etc.

Jul 08, 2011
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