Credit Products for Small Businesses teaches students how to recognize the factors that drive the need for small business credit products, the primary credit products used by small businesses, and how to match credit products to client needs. Students will learn techniques for communicating the credit decision effectively, and the Federal laws relating to small business credit products.

Audience

Bank personnel responsible for selling credit products to the small business customer and/or responsible for identifying sales opportunities and referring small business lending prospects to the appropriate bank contacts.

Learning Objectives

After completing this course, students will be able to:

• Describe small business market characteristics
• Explain how business cycles drive the need for credit
• Identify borrowing causes, loan purposes, and repayment sources
• Describe features and benefits of small business credit products
• Match small business credit products to client needs
• Communicate approvals, counter-offers, and declines effectively
• Describe the purpose of federal laws relating to business credit products, and actions to take to help ensure compliance

Enrollment Form

(Download and print from SER-CFT website, complete and fax to 904-354-1834)