A business owner is often faced with the decision to inject his/her own savings into a business or seek outside capital to meet daily cash flow needs or expand the business. That decision is often quickly determined by the availability of cash or lack thereof. For many small business owners, the decision to apply for loan can be a difficult and confusing process. Unlike applying for a consumer loan or home mortgage, placing debt on you the balance sheet of your business takes planning, preparation, and a commitment to financial management from the day you apply to bank until your final payment. Business owners that often stumble through the process and eventually become frustrated or disheartened, is for lack of understanding the process and options available to them to make and educated decision. What does it take to successfully apply and be approved for working capital? The Lifecycle of a Commercial Loan will provide you tools and hands-on advice on how to successfully navigate the financial process.

Jerry Bazata, Senior Vice President Commercial Lending, and business owner will provide attendees with a step-by-step process to evaluate the options available for credit, how to prepare and accurately apply for loans. With over 30 years of lending experience, Jerry will pull back the curtain on cash flow analysis, guide attendees in preparing financial documents and accurately completing loan applications. A clearly understanding of the terminology used by bankers in lending and the truths and myths about loan structure including why SBA loans are so vital and necessary for growing your business.