Six complete modules, moving in the same order a real commercial financing request actually moves — from understanding how lenders think to closing the deal.
Module 1
The Commercial Financing Mindset
How commercial lending differs from consumer lending, how lenders think, the Five Cs of commercial credit, capacity and DSCR, the underwriter’s perspective, and Capital Readiness concepts.
Module 2
Defining the Opportunity
Pinning down your financing objective, defining the transaction precisely, building an opportunity narrative, sources and uses, and a one-page Opportunity Summary Framework.
Module 3
Building the Financial Package
Borrower, business, property, and transaction financials — document currency, consistency and reconciliation, historicals vs. projections, and secure document organization.
Module 4
Understanding Lender Types & Financing Fit
Capital source categories, direct lenders vs. brokers vs. marketplaces, cost, structure, execution, recourse, exit, and the questions to ask before you authorize a submission.
Module 5
Completing the Commercial Financing Application
Inquiry vs. application, entity information, application consistency, disclosures, authorizations, fees, credit authorization, and submitting accurately and honestly.
Module 6
Negotiating Terms & Closing
Evaluating preliminary terms, comparing proposals on rate, fees, amortization, balloon, recourse and covenants, closing conditions, and post-closing obligations.