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The “Five Cs” of accessing capital

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Capital is key to any business’ survival. Remember the “Five Cs” when financing a commercial loan


  1. Capacity: The ability to repay the loan based on the business’s cash flow.
  2. Collateral: Property pledged by the borrower to protect the interest of the lender.
  3. Credit: The ability to use credit effectively.
  4. Character: The business owner’s background and experience, financial wellness and involvement.
  5. Conditions: The terms of the loan, including loan amount, interest rate and credit policies.

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