Monthly Archives: August 2012

The “5 C's of Credit” What Do They Mean to Your Small Business Loan?

One of the most common questions among small business owners seeking financing is: “What will the bank look for from me and my business?” While every bank has its own unique criteria, many use some variation of “the five C’s of credit” when making credit decisions. Broadly speaking, they are:
• Character
• Cash Flow
• Collateral
• Capitalization, and
• Conditions
Let’s take a look at each of these ingredients and review how they may impact your funding request.…

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