Resources

In commercial lending, what you do not define and what you do not calculate can cost you. Term sheets, covenants, and lender communications use terminology that can determine whether a deal protects you or traps you. Financing decisions depend on numbers most borrowers never run before a conversation with a lender.

This hub exists for the lookups. Define the term. Run the number. Come back to the negotiation with precision.

Why precision beats approximation

A borrower who walks into a negotiation knowing the difference between a blanket lien and a specific-asset security agreement holds a different position than one who does not. A borrower who has calculated DSCR against their actual cash flow before the lender quotes a stress scenario answers questions differently. Precision of language changes how lender communications read. Precision of calculation changes what you can counter-propose. Both are lookup tasks, which is why they live here.

The glossary covers more than 120 commercial lending terms defined at the level operators need, not the marketing gloss. The calculators run the math lenders will run anyway, so the outputs are in hand before the conversation.

How to use this hub

If you are reading a term sheet, use the glossary to decode unfamiliar language before you ask a lender to explain a term you can decode yourself. If you are evaluating a specific offer, run the DSCR Calculator, Loan Comparison Calculator, or Affordability Calculator. If the offer is an MCA or factoring product, run the Factor Rate to APR Calculator to see the real cost. If you are modeling a financing decision, use the product-specific calculators: SBA 7(a), SBA 504, equipment financing, line of credit, or working capital.