Why the Lender Says NO

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Would you like your business lender to say ‘yes’ to your next loan request? Would you like to know the one factor that will kill your loan before you even get started? Would you like to get into the head of your lender so that everything you say, every document you provide, and every discussion with your lender passes successfully through their three-question, six-filter process?

Well now you can! Banking consultant, author and trainer Linda Keith CPA presents the Six Keys to Success in the Pass/Fail test that stands between you and your next loan.

• Understand the only three questions the lender has to answer


• Decipher the clues the banker uses to guess at the answers


• Learn the Six Cs of Credit and how your banker filters all of your information


• Format your loan request to respond favorably to the Three-Question/Six C filter


• Memorize the one phrase you will NEVER say to your banker again


• Apply this information to make sure your next loan application does not go directly to ‘No’

You’ll find out why, according to a recent survey by Pepperdine University, bankers declined 72 percent of cash flow-based loans, 90 percent of real estate-based loans, and 46.7 percent of collateral-based loans. And you’ll find out what the business owners who gained approval did right. Linda Keith CPA trains business lenders throughout the country to say ‘Yes’ to good loans. She knows how the bankers think. Now you will, too.

Linda Keith CPA knows business … and banking! As a CPA in public accounting, she prepared loan proposals and helped businesses get their loans. As the CFO for a residential contractor, she negotiated construction loans and operating lines of credit. Today, Linda is the principal in a niche CPA practice consulting with banks and training lenders on how to spot, and make, a performing business loan. She understands how lenders think, why they decline loans and what they need to say ‘Yes’.

Linda is known as the “Playful Accountant” and is the author of Tax Return Analysis for Lenders, the definitive manuals used by business lenders throughout the United States. She is the founder of Lender’s Online Training, a library of 30 on-demand credit analysis courses. As a Certified Speaking Professional, Linda speaks to business and banking audiences about business success, business borrowing and business lending.