Join Rich Russakoff and Bob Hernandez, co-founders of The Capital Masters, for a personal conversation. What motivates a bank to lend you money today? will cover the below points. - Proving you have sufficient cash flow to support the loan - The strength of your management team - The importance of a strongly written business plan with verifiable projections and assumptions - Presenting sufficient liquidity and reserves - Articulating a Covid-19 end of year action plan

1. RICH RUSSAKOFF & BOB HERNANDEZ
What Motivates a Bank to
Lend You Money Today?
presented by

2. The SBA loans are the most
flexible
The banks are looking to
make profitable transactions
The loan must meet all
regulatory requirements

3. For an SBA loan, the borrower
needs to give the bank
everything they need
The bank needs to give SBA
all they need
To ensure they get repaid
through the SBA guarantee

4. The business has positive
historical trends (min. 3 years)
ie. Sales, COGS, SG&A, cash flow

5. The business has sufficient
historical cash flow coverage

6. The business has a strong
management team with 3 to
5 years industry experience

7. Ideally the guarantor and business have
sufficient liquidity and reserves to overcome
a downturn

8. The business possesses
adequate collateral if available,
substantial mitigants if not
A mitigant means off setting a
weakness

9. A strong written business plan with
verifiable projections and assumptions

10. In September, ask for our DIY
template via:
social@thecapitalmasters.com

11. A Covid-19 end of year action plan to
demonstrate how you were affected by it
from March 2020 to date

12. Q&A
social@thecapitalmasters.com

13. THANK YOU!
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For more information about our programs contact us via:
social@thecapitalmasters.com