Be more prepared and confident to apply for the loan you need at the lowest rate you can get
Updated on Sep, 2026
Finance and Accounting, Finance,
Duration - 1.5 hours
Training 5 or more people ?
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Business loans are a vital source of funding for small businesses. The process can seem complicated and difficult. Let me give you the basics to be more prepared and confident to get the loans you need.
Some of the major topics include:
Determine whether loan funding is right for you with easy ratio analysis and cash flow projections to help
How leverage (the use of borrowed funds) magnifies returns but increases risk. Many business owners chase profits and end up bankrupting their companies. I’ll show you how to avoid this.
Where to get business loans. There are many options you may not know about. I give an overview of the Small Business Administration (SBA) loan programs.
Key loan components like how interest is calculated, types of fees, and the multiple terms that can be structured into a loan.
How to prepare for the application process.
Ways to reduce the interest rate on your loan. I’ll give an overview of the application process and the documents lenders frequently request.
How lenders decide whether to approve a loan. Knowing this increases your chances of being approved.
Key documents that are signed at loan closing are described, and the importance of each. I’ll point out important clauses to pay attention to in these documents.
You also get access to worksheets, templates, and guides to improve your chances of getting the right loan at the right price. You get the following:
7 Ways to Get the Best Loan Pricing You Can. This has tips on how to lower your interest rate.
Key Metrics Worksheet: Enter five numbers in a worksheet to calculate a couple of key metrics that estimate if you’ll have enough cash over the next year.
Cash Trends Worksheet: Identify trends in your cash flows and how loans can help smooth out your cash flows.
Lending Term Glossary: Translate “banker-speak” into words normal people use.
Checklist of Documents to Prepare: What to have ready for a faster loan application process.
I’ve seen the good, the bad, and the ugly of business lending. Let me show you the good and how to avoid the bad and ugly. I have served as the Chief Financial Officer (CFO), Director of Operations, and Senior Vice President of Finance at lending institutions over the past 20 years. I've been on loan approval committees, approved pricing on large loans, and had a collections department report to me. This course is filled with tips learned over those years.
Check out the detailed breakdown of what’s inside the course
Rob Stephens is the Founder of CFO Perspective, which provides continuing education courses for CPAs and financial management courses for business advisors and staff. He has been quoted in Forbes, U.S. News and World Report, Bloomberg Businessweek, and many other news sources. He is also the author of Key Performance Indicators and KPI Dashboards.
Rob has a 25-year career that includes serving as CFO, Director of Operations, and SVP of Finance. Rob is an adjunct instructor for the MBA program at Gonzaga University.
Rob holds a Masters of Science in Personal Financial Planning and a Graduate Certificate in Financial Therapy from Kansas State University. He received a B.A. in Business Administration from the University of Washington and is a CPA.
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