loans

Table of Contents

Traditional Business Loans
- Commercial Bank Loans
- Small Business Administration (SBA) Loans
Alternative Lending Structures
- Revenue-Based Financing
- Asset-Based Lending
Emerging Financial Technologies
- DeFi Lending
- Platform Lending
Specialized Financing Structures
Discussion

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

Platform Lending

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