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F. Financing

Instructions

Answer questions as they relate to you. For most answers, check the boxes most applicable to you or fill in the blanks.


Financing


1.

To meet a current or recent financial need, what type of capital are you considering or did you consider?

Equity capital

Debt capital


2.

If you plan to use debt capital, which of the following financial institutions do you plan to use or did you use?

(Select six.)

Commercial bank

Savings and loan

Federal loan program (USDA, SBA)

State Economic Development Loan (DEED, Regional Commission, or Foundation)

County revolving loan fund

Other:


3.

When you sought your most recent loan, what types of activities or facilities did (do) you hope to finance.

(Select all that apply.)

Purchase of land without buildings

Purchase of land with building(s)

New building construction

Building expansion

Building renovation

Operating capital

Inventory

Machinery or equipment

Other:


4.

Was your most recent loan application approved?

Yes

No

Approval is pending


5.

Which type of financial source provides most of your business credit?

Private bank

Public institution (federal, state, regional or local governmental agency or organization)

Non-profit (foundations, etc.)

Individuals

Self

Other:


6.

Have you ever formally negotiated a line of credit with your financial institution?


7.

What is the maximum percent of your line of credit that you have used at any given time?


8.

Have you had a commercial loan application declined by a financial institution in the past three years?

Yes

No

No loans applied for


9.

If yes, what was the primary reason your application was declined?


Please provide information on your firmís credit experience for the past three (3) years in each of the following categories

 

Able to obtain desired credit

Able to obtain some credit

Unable to obtain

Don't know

Not applicable

10.

Short-term loans (< one year) secured

11.

Short-term loans (< one year) unsecured

12.

Long-term loans (1-5 years)

13.

Long-term loans (> 5 years)

14.

Commercial mortgage

15.

Home equity loan for business purposes

16.

Line of credit

17.

Equipment financing or lease


Have you made any of the following changes in the last 3 years?

 

Yes

No

18.

Changed mix of goods/services

19.

Added or subtracted product lines

20.

Entered new markets

21.

Modernized product technology

22.

Adopted labor-saving technologies

23.

Made other capital improvements


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