StretchLearn Course
From SBA 7(a) to equipment financing: the products, the math, and the package that gets you a yes.
Course Overview
Most owners apply for the wrong loan, at the wrong lender, with the wrong package, and get declined. This course walks through every major small business debt product, the underwriting criteria lenders actually use, and the documents and ratios that drive approval. By the end you can pick the right product, size it correctly, and present numbers that a credit analyst will trust.
Learning Outcomes
Match the right loan product (SBA 7(a), term, LOC, equipment) to a specific business need
Calculate the debt service coverage ratio (DSCR) a lender will use to size your loan
Assemble a complete loan application package that survives underwriting
Compare APR, fees, and total cost across bank, SBA, and online lenders
Interpret a personal credit pull and the 5 Cs of credit through a lender's eyes
Negotiate terms, covenants, and personal guarantees before you sign
Curriculum Preview
Preview the course structure, see how the modules build on one another, and understand the path this program is designed to take you through.
Before you pick a product, understand how a credit analyst evaluates risk. This module decodes the 5 Cs and the ratios that drive every approval.
The two workhorses of business borrowing. Learn when a lump-sum term loan beats a revolving line, and how each is priced and structured.
The government-backed programs that make banks say yes, plus asset-based financing that uses the equipment itself as collateral.
Assemble a package underwriters trust, compare offers on true cost, and negotiate terms before you sign.
Built for Application
This program is designed around progression: focused lessons, structured modules, applied resources, assessments, and a course rhythm that turns information into usable capability.