Business Funding & Sales

Before you begin, this unit teaches Open with identity, relevance and permission, Discover the business purpose before the product, Distinguish revenue, profit and spendable cash, Create a decision map without bypassing people, Separate urgency from pressure. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches Qualify out without humiliating the owner, Turn product features into conditional relevance, Handle “send me information” with consent, Respect “not interested” and stop cleanly, Close discovery with a teach-back summary. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches MCA: receivables purchase is not a magic label, Business LOC: availability is not a lump-sum advance, Traditional term loans: repayment and asset life, SBA financing: lender guarantee is not owner approval, Equipment financing, leases and ownership. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches Invoice financing versus factoring, HELOC: a personal home is not business collateral by default, Credit repair: legitimate disputes, not invented identities, Consolidation: payoff, payment and total cost, Reverse consolidation: interrogate the marketing term. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches Gross advance, net proceeds and purchased amount, Factor rate is not APR, Daily remittances and the calendar, Revenue share and reconciliation are different mechanisms, Cash-flow headroom under a sales shock. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches Consolidation arithmetic: relief can cost more, Layered funding: count deposits and every debit, Invoice reserves: reconcile the second cash receipt, LOC availability and interest: state the convention, Balloon and equipment total-outlay audit. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches Build an underwriting file without rewriting reality, Consent, secure channels and minimum necessary data, Personal guarantees and UCC security interests, Existing advances, stacking and payoff verification, Build a comparable offer sheet. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches Handle “the rate is too high” without deflection, Welcome the accountant review, Ask for an informed next step, not a pressured signature, Funding-day verification and post-funding support, Renewals are new decisions, not automatic wins. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches Coverage ratios: numerator discipline and downside, A weekly forecast can hide a midweek failure, Renewal incremental economics without double counting, Early payoff and prepayment: audit the exact wording, Multi-product recommendation memo with a no-deal option. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches State-specific disclosures and role boundaries, Distress triage: do not finance an unexplained rescue, Reverse-consolidation diligence: prove the exit, Advanced roleplay: price, accountant and existing advances, Capstone: defend a recommendation and the decision to decline. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches Separate project contribution from the cash needed to survive it, Borrowing-base contraction: when a line shrinks as you need it, Forecast variance: explain what changed before recommending more money, Offer normalization without inventing an APR or a winner, Reconciliation lag: a contractual adjustment is not today's liquidity. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches Reverse-consolidation lifecycle: separate relief, cost and the payment tail, Negotiate the constraint, not the merchant's resistance, Run a multi-party decision meeting with visible incentives and bounded consent, Funding discrepancy response: preserve evidence and close the loop, Decision defense: recommend conditionally and name what would reverse you. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches The capital stack: what each layer claims, costs and controls, Match the instrument to the use: duration, conversion and ownership, Advance and remittance mechanics: gross, net and the debit calendar, Reconciliation in practice: definitions, evidence and status, Guarantees, liens and jurisdiction: who can reach which assets. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches Funding cost inside unit margin: what the remittance does to contribution, Renewal and refinancing risk: what a new round costs after the first one, Seasonal receipts and cadence fit: fixed schedules versus share-of-receipts structures, Honest objection handling: price, speed, approval and consolidation, Capstone: a defensible recommendation, its disclosures and its decline conditions. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches Reading a full merchant file: the claim ledger and what silence hides, Deposits as evidence: what bank and processor data actually show an underwriter, Seasonality: normalizing the year and matching the payment cadence, Concentration: when one customer, processor or account carries the file, Needs analysis before product: amount, duration, source and timing. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches Covenants and personal guarantees in practice: what actually binds, Renewal, refinance and consolidation: the honest test for each, Collections, workouts and restructuring conversations under stress, Commission conflicts, disclosure and documenting a recommendation, Capstone: a defensible recommendation, a clear decline and the conditions that would change it. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches Pre-application qualification as a two-sided screen, Disqualifying conditions versus fixable conditions: the “not yet” answer, Explaining a decline honestly and usefully: notification, reasons and what a broker may not say, Re-application timing: what actually changes an outcome, and what merely repeats one, Stacking and its real costs: describing a second position honestly. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches Alternative products and when a smaller amount is the better answer, Co-borrowers and guarantors: fairness in practice, not in principle, The ethics of urgency: real deadlines and manufactured ones, Records, retention and answering a complaint or a disputed debit, Capstone: a file review that ends in a defendable yes, no or not-yet. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches A screening framework a colleague can apply without you, Writing a file summary a credit committee can act on, A product problem or a pricing problem: diagnosing before you restructure, Stress-testing your own recommendation before a reviewer does, Documenting what you told a merchant, and when. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches A merchant who pressures you: what to refuse, and how to end a conversation, Multi-product merchants and the risk of over-lending, Portfolio thinking: noticing your own concentration as an advisor, When to walk away, and how to say so in a way that is useful, Capstone: defending a recommendation, then answering a hostile reviewer's strongest objection. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches Counting the items in a state disclosure: what an offer must say, and where the lists differ by jurisdiction, Reading the clauses that change the number: prepayment, true-up, forum, arbitration and the guarantee, Reading the public record: what a UCC-1 filing, a continuation and a bankruptcy stay do and do not prove, Reading tax-basis statements: cash versus accrual, constructive receipt and the reconciling footnote, Reading a conditional offer: counteroffers, conditions and the gap between a signed term sheet and money. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches Producing a one-page cost comparison the merchant can check with a calculator, Producing an evidence calendar and a document-collection log, Producing truthful outreach: claims, email, fax and text under the advertising and contact rules, Producing a counterparty vetting file before you send a merchant anywhere, Capstone: assembling a deal packet an independent reviewer can audit in twenty minutes. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches The settlement sheet: the six classes of deduction between an approved amount and a bank balance, The debit calendar and the return code: what may be re-presented, what may not, and when a return becomes a default, Payoff, per diem and the termination statement: what paid in full actually requires, Assignment and servicing transfer: who owns the receivable, who is entitled to be paid, and the cost of paying the wrong party, Renewal arithmetic: what the new money costs when an old balance is rolled into the same obligation. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.

Before you begin, this unit teaches Coverage arithmetic from bank statements: deposits, turnover, settlement lag and the remittance the file can carry, The clauses that fail: acceleration at will, confessed judgment, forced arbitration and the economics of a claim too small to bring, Fraud indicators in a merchant file: what to measure, what to write, and what a broker may not say, Complaint routing and the response record: who receives a complaint, what the clock is, and what the log tells you, Capstone: the ninety-day post-closing audit, ten checks and thirty cells. The lessons introduce ideas in order, then the unit quiz asks you to retrieve and apply them. You may revisit completed lessons whenever you wish.