How Banks Approve Business Loans

person icon Ana Isabel Lucas

How Banks Approve Business Loans

How to Request and get your Business Loan Approved by Banks

updated on icon Updated on Oct, 2023

language icon Language - English

person icon Ana Isabel Lucas

architecture icon Business,Finance & Accounting,Finance,Corporate

Lectures -23

Resources -10

Duration -1.5 hours


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Course Description

This course explains how Banks look at requests for business loans, and what Business owners or Finance Managers in charge of Financing should know to improve the Chance-to-Yes, meaning, the chance of loan approval.

Preparing a good financing proposal and being able to discuss it with the Bank is essential to increase the probability of having the loan approved.

During the course, you will understand how banks interpret the requests for financing from their risk point of view, what information they require and why, and why TRUST is important. Many times entrepreneurs not only do not know which information to provide to banks but also do not understand which information is crucial for them to make a decision. This course will explain it all.

Banks look at all sorts of risks in order to make a credit decision, and in this course, I will go through all of them with you. We will also look at what type of loan requests Banks do not usually support and the reasons for that.

By getting the communication with the Bank right, convincing Banks to grant the business loan becomes far easier.

(The course deals with business loans only, and not personal loans like mortgages, cars or another consumer financing)

Who this course is for:

  • Beginner credit analysts at Banks are responsible for analyzing loan requests from businesses
  • Finance Managers (or anyone else) responsible for preparing loan requests for Banks
  • Small&Medium Entrepreneurs and Business Owners in need of financing for their businesses
  • Students of Finance, Banking or Risk Management topics interested in knowing how Banks look at business credit requests
  • Anyone responsible to present and discuss business loan requests directly with Banks


What will you learn in this course:

  • Learn How the way Credit Requests are prepared can determine if they get approved by Banks

  • Understand why Banks need information from borrowers, ask so may questions, and how that influences their approval decision

  • Learn where do Banks base their credit decision making and what really matters to get a Loan approved

  • Learns the basis of Credit Risk; how Banks interprete credit scoring and what affects it

  • Learn how to prepare for a discussion with a Bank when requesting a business loan

  • Learn all types of Risks Banks take into account when analysing credit proposals

  • Know what types of Business Loan requests Banks will likely decline and why


What are the prerequisites for this course?

  • Basic knowledge of a Bank's activities.
How Banks Approve Business Loans


Check out the detailed breakdown of what’s inside the course

3 Lectures
  • play icon Introduction 02:52 02:52
  • play icon Why Banks need Loan Applications (in writing) 01:59 01:59
  • play icon The ultimate crucial purpose of loan applications for Banks: quantify risk 05:07 05:07
How To Properly Structure a Loan Application
13 Lectures
Prepare for the Discussion with the Banks
2 Lectures
Requesting Financing for Startups
2 Lectures
Business Loan Requests that will likely NOT be approved
2 Lectures
Final Considerations
1 Lectures

Instructor Details

Ana Isabel Lucas

Ana Isabel Lucas

Over 25 years of experience in International Corporate Banking in Lisbon, Bratislava, Moscow, and Vienna. Started as a credit analyst, later a Relationship Manager, then managed the Clients and Lending Products Department, and served as member of the Management Board. In the job, I was daily involved with all departments of the Bank, and with top Corporate Clients from many different industries. Later I joined Operational Risk Management which allowed me to have a deeper view into Risk, Compliance and Control functions within the Bank from a back-office angle.

Recently,  I moved on to establish my own company, an online business origination platform that helps entrepreneurs find financing, which is a startup still in development. 

I managed, trained and mentored many banking colleagues in several locations, and was also a guest speaker for the MBA students at Vienna University. I have now four online published courses and actively partiipate i training for the FinancialInsdutry i the topics of Credit Ris, ESG and Sustainable Finance. My goal is to pass on the knowledge, experience, and also the passion for Corporate Banking acquired through the years to a wider audience.

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