SBDC: Capital Readiness in Today’s Economy: What Lenders Really Look For #2

Access to capital is not about luck. It is about preparation. In this session, Mr. Todd will walk business owners through what lenders are evaluating in today’s economic environment. With interest rate uncertainty, tighter underwriting standards, and shifting market conditions, preparation is more important than ever. We will cover: -The two lenses every underwriter uses when reviewing a request: the business story and financial performance -When to seek financing and why timing matters -Matching the right credit product to the right purpose -Key financial metrics lenders review, including cash flow, debt service coverage, and liquidity -How cash management impacts capital access -Building a strong advisory ecosystem to strengthen approval outcomes Attendees will leave with practical insight on how to position their business for stronger approvals, better terms, and long-term sustainability. Presenter, Rashard Todd, Vice President | Business Community Manager; City National Bank