The 5 Cs of Credit: Being Bank Ready for Financing

This webinar will be an interactive dialogue around the 5 Cs of credit. These are the fundamental elements of a business loan request evaluated by the lender during credit analysis. Regardless of the type of financing needed, a bank or lending institution will be interested in both your business and personal financials. Understanding the “5 Cs" that include character, capacity, condition, capital and collateral, and the way lenders use these to underwrite and structure loans will help you prepare your requests for the greatest chance of success. The webinar will cover the following: o How small businesses can effectively communicate with the bank o Key financials and factors underwriters analyze when reviewing a loan request o The importance of a “relationship” with your banking team when planning for access to capital

Speaker(s): Nicholas Gentile Senior Vice President | M&T Bank Regional Manager - Credit Shared Services Scott M. Brown Senior Vice President | M&T Bank Credit Shared Services| Regional Credit Officer

Co-Sponsor(s): M&T Bank

Registrants will be provided access to the webinar login information the morning of the webinar by email. Special Accommodations: You may request accommodations due to a disability by contacting the DCSBDC. Advance notice of at least two weeks may be necessary for some accommodations including ASL interpreters.

Fee: No Cost