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Business Loan Glossary North Carolina

The following contains a glossary with terms and information you should know about a business loan . Read on if you are interested in obtaining a business loan in North Carolina and want to get started.

Local Companies

CommunityOne Bank, N.A
(704) 658-9261
8231 Magnolia Estates Drive
Charlotte, NC

Carolina Commerce Bank
(704) 375-3294
223 East Boulevard, Suite 5
Charlotte, NC

Bank of America
(704) 387-1964
101 South Tryon Street
Charlotte, NC

Southern Financial Associates, LLC
(704) 943-0366
13777 Ballantyne Corporate Place
Charlotte, NC

Business Development by Giles
704-713-6209
8230 Golf Ridge Drive
Charlotte, NC

Suntrust
(919) 683-7783
5790 Fayetteville Rd
Durham, NC

Capital Bank
(919) 545-5533
37 Hillsboro St
Pittsboro, NC

Southeastern Mortgage Solutions
(336) 315-0330
3 Centerview Dr
Greensboro, NC

Citifinancial
(704) 525-0217
4200 South Blvd Ste L
Charlotte, NC

Bb&t
(252) 321-3300
200 W Arlington Blvd
Greenville, NC

The following information was sourced from businesstown.com.

Accounts Receivable Financing - A loan gained by borrowing against receivables. Loans are paid down as receivables are collected.

Annual Fee - The amount charged by the lender each year to cover the administrative costs of the loan.

Business Credit Card - An amount of money, which a business can borrow against at times it needs capital. Using a card accesses the money.

Commercial Real Estate Loans - Similar to residential mortgages, but collateral is business property. Interest rates are usually fixed, the length of the loan can range from 5 - 20 years and payments due monthly.

Commercial Term Loans - Loans made to businesses that can be either secured and unsecured. Usually made to mid-size and large businesses.

Credit Rating - A predictor of the ability to pay back a loan. The credit rating is a result of credit scoring.

Credit Report - Financial history supplied by a credit information company like Dun and Bradstreet, Equifax, Experian or TransUnion. Contains credit information on a business or an individual, including payment history of bank cards, store cards, mortgages, student loans, and trade payments.

Credit Scoring - The evaluation system used by lending institutions to determine relative credit riskiness of a business or consumer. When evaluating businesses, it generally considers factors such as credit payment history, new credit sought by owner of business, and financial strength and longevity of business.

CreditFYI - A web site for checking business credit reports.

Debt Financing - A loan with pre-agreed terms, including payback schedule and interest.

Dun & Bradstreet - Leading provider of business credit information.

Equifax - One of three leading providers of personal credit information.

Equipment Leases - Leases allowing companies to purchase new equipment.

Experian - One of three leading providers of personal and business credit information.

Fixed Interest Rate - An interest rate that is the same throughout the life of a loan.

Interest Rate - The amount charged by a lender for the money borrowed. It can be fixed or variable.

Inventory Financing - Money borrowed on the basis of finished inventory. The loan is paid as inventory is sold.

Line of Credit - An amount of money, which a business can borrow against at times it needs capital. Often accessed by check, ATM, or business card.

LiveCapital.com - A web site for small business loan offers from a variety of lenders instantly.

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Featured Local Company

CommunityOne Bank, N.A

(704) 658-9261
8231 Magnolia Estates Drive
Charlotte, NC

Read more about Business Loan Glossary

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