The 4Cs Of Business Lending

In lending, when we look to see if a client is fundable, we look for one of the four Cs. But if you want money for your business, you only need one C to qualify.

Cash Flow

When you have an existing business with good cash flow you can qualify for business funding. Verifiable cash flow substantially increases your chances of funding approval. There are many funding programs you might qualify for, including Business Revenue Lending.

If you don’t have cash flow, your business still might have Collateral, the second C.

Collateral

Collateral for your business is really your business assets. You can use many things as collateral. These include equipment, purchase orders, and even account receivables.

Having collateral greatly increases your chances of approval. If you don’t have cash flow or collateral, don’t worry. You still can qualify for business funding.

Business Credit

Lenders also look at your business credit to qualify you. Business Credit is our third C.

Lenders may lend money based on your business credit profile and score. If you have a good business credit profile, you can use that as security to get funding.

If you don’t have business credit built now, we can help build an excellent business credit score and profile with you.

Maybe you are starting a new business, and you have no business credit, cash flow, or collateral. In this case, you can still qualify for funding. But lenders will use your personal Credit to qualify you.

Personal Credit

Personal Credit is the fourth and final C that lenders will look at to approve you for funding. These types of unsecured credit lines do not look at revenue or financials. Your credit is all they use to qualify you for funding.

All you need is one of the four C’s to qualify for much of the business financing available to you today.

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