Balance-to-Repayment Ratios: What Brokers Should Review
For business loan brokers: This guide explains Balance-to-Repayment Ratios: What Brokers Should Review through the lens of evaluating a clientβs situation, preparing the file, and
For business loan brokers: This guide explains Balance-to-Repayment Ratios: What Brokers Should Review through the lens of evaluating a clientβs situation, preparing the file, and
For business loan brokers: This guide explains Asset Value Assessments: A Guide for Business Loan Brokers through the lens of evaluating a clientβs situation, preparing
For business loan brokers: This guide explains Balance Sheets: What Business Loan Brokers Need to Know through the lens of evaluating a clientβs situation, preparing
For business loan brokers: This guide explains Accounts Receivable Reports: What Brokers Should Review through the lens of evaluating a clientβs situation, preparing the file,
For business loan brokers: This guide explains Application Forms: What Business Loan Brokers Need to Know through the lens of evaluating a clientβs situation, preparing

Discussing bank loans backed by personal guarantees is a conversation Iβve had many times with founders and financial partners since personal guarantees are a very common form of security used in non-dilutive debt financing for early-stage companies by banks in Canada.

In this post, Iβll go over some of the basic terms in a debt term sheet that the client likely wonβt see on an equity term sheet.

Knowing that definitions change and words evolve helps to understand some of the confusion that exists today around the definition of βVenture Debtβ.

When the client look at a company from a traditional financing lens the client end up with the following thought process: Revenues are growing: Check. Profitable: Check! Collateral: Consumer inventory⦠Oh.

Why does timing matter? The answer is actually quite simple. There is a type of risk that should be financed with Venture Capital funds and less risky spending that can be financed with debt.
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