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Commercial loans are a fundamental aspect of business finance, providing companies with the capital necessary for growth, expansion, and day-to-day operations. In this article, we’ll delve into what commercial loans entail, how they function, and explore the various types available to businesses. 

What is a Commercial Loan?

A commercial loan is a financial arrangement between a lending institution, such as a bank or credit union, and a business entity. Unlike consumer loans, which are typically used for personal expenses like buying a home or a car, commercial loans are tailored to meet the specific needs of businesses. These loans serve various purposes, including financing expansions, purchasing equipment, working capital and managing cash flow. 

How Do Commercial Loans Work?

Commercial loans operate through a structured process that involves assessment, negotiation, approval, and repayment.  

Here’s a breakdown of how they work: 

  1. Assessment: Businesses seeking a commercial loan undergo a thorough evaluation by the lending institution. This assessment involves scrutinizing the company’s financial health, creditworthiness, business plan, and the purpose of the loan. 
  2. Negotiation: Once the assessment is complete, the borrower and lender engage in negotiations regarding loan terms, including the loan amount, interest rate, repayment schedule, collateral requirements, and any associated fees. 
  3. Approval: Upon reaching an agreement, the lender conducts a detailed review of the borrower’s financial documents and business history to finalize the approval process. This may include verifying income statements, balance sheets, tax returns, and credit reports. 
  4. Disbursement: After approval, the lender disburses the loan funds to the borrower, who can then utilize the capital for the intended purpose, whether it’s purchasing inventory, renovating facilities, or investing in new projects. 
  5. Repayment: Commercial loans are repaid over a predetermined period, typically through regular installments comprising both principal and interest. The repayment schedule may vary based on factors such as the loan term, interest rate type (fixed or variable), and amortization method. 

 Different Types of Commercial Loans: 

Commercial loans come in various forms, each designed to address specific business needs. Here are some common types: 

  1. Term Loans: Term loans provide businesses with a lump sum of capital that is repaid over a fixed term, usually ranging from one to ten years. These loans are suitable for financing long-term investments such as equipment purchases, real estate acquisitions, or business expansions. 
  2. Lines of Credit: A line of credit offers businesses access to a predetermined amount of funds that they can draw upon as needed. Unlike term loans, where the entire amount is disbursed upfront, lines of credit provide flexibility, allowing borrowers to borrow and repay funds multiple times within the credit limit. 
  3. Commercial Real Estate Loans: These loans are specifically tailored for purchasing, refinancing, or developing commercial properties, such as office buildings, retail spaces, or industrial facilities. Commercial real estate loans may have longer terms and require the property itself as collateral. 
  4. Small Business Administration (SBA) Loans: SBA loans are government-backed loans administered by authorized lenders, providing businesses with favorable terms and lower down payment requirements. These loans are ideal for small businesses that may not qualify for traditional bank financing. 

Commercial loans play a vital role in supporting business growth and expansion by providing access to essential capital. Understanding the intricacies of commercial lending, including the different types of loans available, empowers businesses to make informed financial decisions and navigate the borrowing process effectively. Whether it’s funding a new project, purchasing equipment, or managing cash flow, commercial loans offer businesses the financial flexibility needed to thrive in today’s competitive landscape. 


Credit Analysis Ratios: eensight’s E-Learning Solutions

When studying credit analysis ratios, you may believe the only way to become proficient in this specific area of credit analysis training is to enroll in a traditional, I’m-person style class where one must commit to a series of inconveniently times sessions which are often overpriced for the value they provide. With eensight, all of the new fits of a traditional, in-person classroom environment are there, yet without all of the negatives commonly associated with the traditional learning model. Here at eensight, we turn the traditional model upside down and allow you, the user, the choice and luxury of dictating when you’d like to learn, how you’d like to learn, and where you’d like to learn. Read on to learn more about our credits analysis ratios training program and how it can help you reach your goals through heavily researched and developed online learning tools.

Credit Analysis Ratios & E-learning

There are typically four credit analysis ratios covered in the majority of e-learning solutions provided within our series of courses. These ratios consist of: liquidity ratios, coverage ratios, leverage ratios, and operating ratios.

Liquidity ratios: these ratios are typically centered around the companies ability to pay off short-term expenses and liabilities if the company was to be liquidated of its assets. When the company is able to successfully pay off said expenses and liabilities on a consistent basis, the lender often examines this ratio lesser than a company which tends to experience a more “up-and-down” sequence of revenue.

Coverage ratio: This ratio tends to deal with more of the day-to-day operations of the company itself and its ability to pay and take on additional debt successfully without defaulting on the payments. A high ratio indicates the company is able to easily meet all of its interest-related obligations.

Leverage Ratios: A company which is significantly dependent upon debt in order to survive is said to have a highly leveraged ratio. This poses a greater risk for lenders and can subsequently place the company into a greater risk zone.

Operating Ratios: These ratios primarily focus on the management operations and how that impedes or promotes success from within the company itself. This ratio is the most vital as it affects the above ratios the most, without question.

How eensight Helps Expand Your Knowledge of Credit Analysis Ratios

Credit analysis ratios can at first seem to be a daunting undertaking, yet with eensight’s excellent online, e-learning solutions; you’re able to better your overall understanding of the processes involved and have you and your fellow colleagues on the path to greatness with flexible, functional, and fantastic online courses geared towards your learning style.

Choose eensight for Credit Analysis Ratio Training, Today!

Now that you’ve learned what eensight can offer, contact us to enroll in our online, e-learning courses today! We’ll be more than happy to further explain the benefits of doing so and how choosing eensight is one of the best choices you can make when it comes to bettering your career as a credit analyst. We look forward to hearing from you soon!

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Local and Catered to Your Customers

As a credit union, your customers trust you with their hard-earned money and expect a certain level of expertise and customer service which represents not only your financial institution, but your involvement within the community as well. At eensight, we’ve developed extensive courses to better you and your fellow employees’ credit union operations, techniques, and methods. Through our online, e-learning platform, we’re able to have you well on your way to becoming the best credit union in your area and have your customers/clients recommend your services to their friends and family. Read on to learn why eensight is the best choice if you’re seeking to educate, enhance, and exponentially improve your credit union’s stance amongst the competition.

eensight’s Approach

At eensight, we’re huge proponents of the e-learning environment. We’ve found our courses to be just the right balance of challenging, yet easy to use. We’ve also found over time our users prefer the flexible, “work from anywhere” environment as it allows them to have an overall better learning atmosphere in the co,fort of their own home, office, favorite coffee shop, etc… We’re always focusing on making the best possible platform in the financial industry for e-learning and we’ve found our user feedback to be crucial to our past, present, and future success.

Our Course Structure

You’ll typically find our courses to be structured in assessments, videos, and final tests to certify your knowledge of the topic you’re studying. These courses will most often take around 20-30 hours to complete with about 10 assessments in total for each course. Our users have found this structure to be extremely user-friendly to their busy schedule and have also found it to work with their desire to learn. Many of our users are “night-owls” and have found that their brains are most active well past a traditional classroom’s hours. This type of scenario presents a unique learning experience which only eensight can offer.

Why Choose eensight?

When you choose eensight for your credit union training courses, you’re taking the next step in the right direction. Our courses provide value, knowledge, techniques, and methods which are not found elsewhere and will further enhance your ability to excel within your credit union and in turn help your credit union grow. If you’ve enjoyed reading this insight into why eensight is the best choice for your credit union training, contact us, and we’ll be happy to respond to your inquiry within 24 hours time. We look forward to hearing from you soon!

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An Important Role in the Financial Industry

As a mortgage loan officer, your role helps determine the outcome of many loan applications and your choices will lead to the determination of people’s success in home ownership. Due to possessing this great responsibility, it would be wise to always be as highly-educated on the best industry techniques, methods, and practices; right? With eensight’s e-learning platform for mortgage loan officers, you’ll find everything you need to be successful and have a greater understanding of the mortgage loan process. Read on to learn why eensight is the solution for you!

Mortgages & Families

It’s always best to have your clients in mind when working for a financial institution, but even more so when their family is counting on you to provide them the best loan options for their future mortgage. With eensight’s in-depth, online platform, we’re able to help you analyze specific, and broad scenarios where issues may arise. With this practical scenario training, our courses will enhance your decision-making skills, overall aptitude for the mortgage loan process, and have you well on your way to becoming an even further expert in your field.

eensight’s Flexibility

Are you always busy during the day and seem to have the most free time during the evening? Don’t worry, eensight has you covered. With our flexible, e-learning solutions, you’ll find the courses you need at the times you need them. It doesn’t matter if you’re at your home office at 1am on a Thursday. As long as you have a computer device and an Internet connection, you’ll be able to successfully co,plate our courses!

Choose eensight, Today!

At eensight, we’re always looking to help our fellow financial institution employees with the best our service has to offer. We’ve helped many grow and enhance their lives with our e-learning platform. Why wait any longer? You’re searching for “mortgage loan officer training”, treat yourself to the online training platform you’ve been searching for. Contact us to enroll in eensight’s courses today and begin to see how we can better your life. We look forward to hearing from you soon!


A Vital Part of the Economy

Granting small business loans to small businesses allows potential business owners to become actual business owners and realize their dreams as a reality. This process can help build wealth for families otherwise destined to remain at their current economic level. Additionally, it helps stimulate the economy with job creation and providing a valuable service and/or product. Lending to small businesses is something which is just as much an art form as it is a calculated task. At eensight, we’re here to help you determine the best outcomes from a wide variety of scenarios where the lender and the deport of said loan both come out on top and have a positive experience. Our lending to small business courses are online, flexible to your schedule, and have been researched and developed by our tam here at eensight which consists of many financial industry veterans and experts. Read on to learn why eensight’s small business lending courses are just what you and your financial institution need to better their services and offerings.

Advantages of eensight Over Other Learning Methods

eensight is a company which truly cares and devotes our time and energy on perfecting the ultimate e-learning experience. Prior to establishing eensight, we had heard from many individuals that they were frustrated with the traditional classroom-style model and would want something catered to their schedule, and not the other way around. We have listened carefully to customer feedback ever since day one and have strived to be the best version of ourselves we can be at all times. Let us show you why having excellently researched courses, on your schedule, can tremendously assist your skills in lending to small businesses. With our courses, you’ll typically find yourself committed to 20-30 hours at the most t complete around 10 assessments where you’ll find real-life, practical educational methods integrated throughout our course models. The advantages to choosing eensight are great, so why prolong the inevitable? You want to better your career, skills, and life; right? Enroll in our e-learning platform today and experience what it means to have a 24/7, 365 course ready to be completed on your schedule!

Why Choosing eensight is the Best Option for You

eensight has gone to great lengths to ensure our customers remain satisfied throughout the e-learning process. We want your experience to be exponentially better than a traditional classroom setting for small business lending courses. Contact us to begin the enrollment process and we’ll have you up and running in less than 24 hours time. We look forward to hearing from you soon!

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Big Business vs. Small Business

When you compare commercial lending to consume lending, the differences are obvious. At eensight, we help showcase these major, and subtle differences through our brilliantly developed courses for you and your colleagues. We have dedicated years of research, development, and expertise to these courses and the subsequent results have the intended effect. Read on to discover why if you’re a commercial loan officer, or anyone in the commercial finance side of things, you should enroll in our e-learning platform to better your career, daily operations, and your overall success.

Benefits of Our Courses

eensight is one of the only course platforms to take commercial lending training to an online platform and embed it within our e-learning platform. Now, you’ll be able to complete any portion of the course you’d like, at any time, anywhere. All you’ll need is an Internet connection and a computer device. Our courses are also practical and easy to use. You’ll find the newly obtained knowledge from our courses to be both useful and technically savvy for situations which are far less common in the commercial lending process. Most of our courses can be completed in as little as 20-30 hours with a total of 10 assessments. There are so many benefits to this course which used to be exclusively accessible in a strict, classroom setting. Enjoy the flexibility eensight offers and start bettering your life, today!

Choose eensight for Success

eensight has been associated with success for years now and our clients have always had positive feedback. This shows that when you dedicate many hours of your life to building a learning tool intended to not only educate commercial lenders, but the financial institutions as a whole on industry best practices; you’re benefitting the whole industry. Are you ready to start benefitting the whole financial industry by enrolling in our online, commercial lending training program? We thought so! Contact us to inquire about how to began your e-learning experience from eensight, today!

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Consumers are Everywhere

Consumers truly are everywhere and they have a strong desire and need to be lender to. Are you going to be prepared to do exactly that when they come knocking on your financial institution’s door? With eensight, you’ll find yourself prepared and ready to help your past, present, and future clients have the best possible experience with their consumer lending process. Read on to learn why eensight is here to help you, your clients, and the financial industry as a whole with our fantastic e-learning platform!

Covering Your Bank’s Assets

As a lender, you’ll want to ensure you’re looking out for the consumer, but also for the banking institution you work for as well. With our consumer lending training programs, you’ll find the best solutions for the most difficult scenarios and what to do and how to resolve potentially damaging scenarios. Our assessments embedded within the courses provide step-by-step, resolution-based education to better your overall performance within your position. You’ll be enhancing and expanding your overall expertise with our valuable course regimen. Your financial institute will appreciate the fact you’re looking out for everyone’s interest as well and will most likely reward such initiatives.

Our Courses

Our courses are geared towards promoting a greater understanding of the ins and outs of the consumer lending process and we’re always focusing on what’s best for both the financial institution and the customer involved. Consumer lending can be a tedious task, yet with eensight’s flexible courses catered to your busy schedule, you’ll find what was previously tedious and challenging is now a much more simplified process. Our e-learning platform promotes education for all levels as well. Whether you’re brand new to the industry or are hoping to brush up on older skills; we have you covered every step of the way.

Choose eensight

Enrolling in a consumer lending training program is already a big step in the right direction towards a better career, a further insight into your daily operations, and a leap into excellence. We value all of our customers here at eensight and that is why we’ve dedicated many, many hours of research and development into all of our courses through our e-learning platform. Feel free to contact us to learn more and enroll in our online, consumer lending training program and prepared to be amazed by what you’ll be able to accomplish with eensight.

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Credit Decision Training: Weighing the Options

When you’re deciding on providing someone a line of credit, it’s best to be well-informed on every possible aspect of the complete process, right? This allows the financial institution and the credit user to be sure the relationship’s terms and conditions are right for each respective party. To avoid costly mistakes, risky errors, and life-altering situations; it’s best to be as well-prepared for any scenario which may arrive. This is why we recommend our credit decision training courses here at eensight. We have helped many individuals in financial institutions of varying sizes become better at what they do, each and every day. Read on to learn why if you’re searching for credit decision training, you’ll want to discover why eensight is the best solution for you and your colleagues!

The Pros & Cons

Every credit decision as a financial institution representative is presented with a sometimes physical, sometimes mental, list of pros and cons when evaluating the requester of the line of credit. “Do they have a high-risk history?”, “Are they more responsible with their debt-to-income ratio?”, “How many valuable assets do this possess under their ownership?” are all the types of questions you may ask when evaluating the requesters application. At eensight, we cover any and all possible scenarios which may arise in your day-to-day operations as a financial institution employee.

Enhanced Online Learning Experience

eensight is different from other courses typically found in the financial industry due to our e-learning platform. We have taken the courses you’d most commonly find in a traditional classroom setting and transformed them into easy-to-comprehend, digital courses you can complete anytime, anywhere. We’ve had many positive reviews of our courses and we’re more than happy to provide further insight into why or courses are the best for your needs. Feel free to contact us to inquire about enrolling in our online, credit decision training courses and start seeing the difference an eensight educational experience can provide you, today!

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Credit Analysis Training Courses, Online

With eensight, you’ll be able to properly train for your credit analyst position and be well on your way to having a stronger understanding in no time with our online, e-learning solutions. Our programs are easy to use, flexible, and are accessible anywhere there’s an Internet connection and computer. You’ll find our credit analysis training courses to be informative, well-researched, and perfect for your busy lifestyle which still wants to maintain an excellent level of education. We place a strong emphasis on being the best in the credit analysis trading program sphere and our reviews and exiting customers prove it. We’re here to help you grow and excel further with your career. Read on to learn why eensight is the solution for you!

The Importance of Maintaining Your Education

In the world of credit analysis, there are many moving parts and ever-evolving aspects which you’ll want to stay on top of to ensure you are up-to-date and well-prepared for whatever may come your way. eensight’s research and development team has spent many years of effort perfecting our courses to the highest standards. We take our platform’s offerings very seriously and only want to provide the best solutions for our customers. When you invest your time and money into an eensight course, you’re not only receiving the best in the credit analysis training course industry; you’re receiving a truly unique experience where you’ll be able to learn, grow, and achieve your career goals with the help of our e-learning system.

What Makes eensight Different?

At eensight, we value all of our past, present, and future customers. We’re always seeking feedback of our platform to ensure you have the absolute best possible experience whenever you decide to enroll in our assessments and courses. Our flexibility in our course scheduling and ability to complete makes our platform the premiere choice of many users. You’ll find our courses always here for you to pick up right where you left off. This level of convenience cannot be had in a traditional classroom setting.

Enroll Today!

What are you waiting for? Our credit analysis training courses can be completed in as little as 20-30 hours with just 10 assessments along the way. Start bettering your career and livelihood with eensight’s amazing courses and you’ll begin to see why so many have made the choice to enroll in our plethora of courses for the financial sector. Feel free to contact us and we’ll be happy to enroll you as soon as possible. We look forward to hearing from you soon!

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E-Learning & Credit Training

E-learning is becoming more and more popular as time goes on, and for good reason. There’s numerous amounts of data which account for the increase in demand, popularity, and efficiency for traditional classroom style environments to be disrupted and taken into a more modern domain; your computer. With eensight’s e-learning platforms focusing on credit training for financial institution employees, you’ll begin to find why so many are choosing to make the shift from a traditional classroom setting to our platform. Read on to discover some of the many benefits you can expect when you enroll in an e-learning course from eensight.


With eensight, you’re able to complete the assessments and courses at your own pace, on your own time, and at your own choice of setting. Whether it be in your office, your favorite coffee shop, or even while you’re on an airplane; as long as you have internet connectivity, you’ll be able to successfully complete the courses as you see fit. We’re all about our customers and we want you to be able to complete our courses with flexibility to your schedule.


With the aforementioned flexibleness, you’ll be able to save money every step of the way. You’ll no longer have to sit in traffic on the way to an in-person, classroom setting. You’ll no longer have to spend your hard-earned money on a baby-sitter to watch the kids while you sit in a classroom. You’ll no longer have to spend many hours away from your money-making passions. With eensight, you’ll be able to adjust the courses to YOU. This in itself is one of the most valuable features of our courses.


eensight allows you to streamline your learning process and have you well on your way to bettering your career and overall success in as little as 20-30 hours of online classroom time. Be the most efficient person you know and enroll in our courses today! You’ll find them to be time-saving and well worth the investment into your future.

Choose eensight Today

What are you waiting for? Don’t place your career on hold any longer. Choose eensight and you’ll be choosing success. Contact us to enroll in our e-learning platform and we’ll be sure to have you started on one of our valuable assessments as soon as possible. We look forward to hearing from you soon!

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