Table Of ContentsFirst Page

WHEDA Small Business Financing Manual - Index

- | A - | B - | C - | D - | E - | F - | G - | I - | L - | M - | N - | O - | P - | Q - | R - | S - | T - | U - | W -


- -

Guarantee Procedures Chapter 1

- A -

About This Manual 1

Access to Files 1

Agribusiness Guarantee Chapter 1

Agribusiness Guarantee 1

Amending Terms 1

Annual Status Reports 1

Application Fee, Linked Deposit Loan Subsidy 1

Application Process, Linked Deposit Loan Subsidy 1

Approval Process and Timeframe 1

Approval Process, Linked Deposit Loan Subsidy 1

Assumption of Guarantees 1

- B -

Becoming a Participating Lender 1

Blended Rate Note, Linked Deposit Loan Subsidy 1

Borrower Certification, Linked Deposit Loan Subsidy 1

Borrower Information, Linked Deposit Loan Subsidy 1

Business Information, Linked Deposit Loan Subsidy 1

Business Net Worth, Linked Deposit Loan Subsidy 1

Business Tenure, Agribusiness Guarantee or Small Business Guarantee 1

Business Tenure, Business (non-developer) as Borrower Neighborhood Business Revitalization Guarantee 1

- C -

Certificate of Deposit, Linked Deposit Loan Subsidy 1

Closing Documents 1

Closing Fee 1

Closing Package 1

Closing Timeframe 1

Closing Timeframe, Linked Deposit Loan Subsidy 1

Collateral Coverage, Agribusiness Guarantee or Small Business Guarantee 1

Collateral Coverage, Business (non-developer) as Borrower, Neighborhood Business Revitalization Guarantee, 1

Collateral Coverage, Linked Deposit Loan Subsidy 1

Collateral, Agribusiness Guarantee 1

Collateral, Linked Deposit Loan Subsidy 1

Collateral, Neighborhood Business Revitalization Guarantee (applies to all borrowers) 1

Collateral, Small Business Guarantee 1

Complete Application 1

Complete Application, Linked Deposit Loan Subsidy 1

Control, Linked Deposit Loan Subsidy 1

Copy of Lender's Commitment Letter to Borrower, Linked Deposit Loan Subsidy 1

Credit Criteria Chapter 1

Credit Criteria Guidelines, Neighborhood Business Revitalization Guarantee, for Business (non-developer) as Borrower 1

Credit Criteria Guidelines, Neighborhood Business Revitalization Guarantee, for Developer as Borrower 1

Criteria Defined, Agribusiness Guarantee or Small Business Guarantee 1

Criteria Defined, Business (non-developer) as Borrower, Neighborhood Business Revitalization Guarantee 1

Criteria Defined, Neighborhood Business Revitalization Guarantee 1

- D -

Debt Service Coverage, Agribusiness Guarantee or Small Business Guarantee 1

Debt Service Coverage, Business (non-developer) as Borrower, Neighborhood Business Revitalization Guarantee 1

Debt Service Coverage, Developer as Borrower, Neighborhood Business Revitalization Guarantee 1

Debt to Income Ratio (Sole Proprietorships Only), Linked Deposit Loan Subsidy 1

Debt to Worth Ratio, Agribusiness Guarantee or Small Business Guarantee 1

Debt to Worth Ratio, Business (non-developer) as Borrower Neighborhood Business Revitalization Guarantee 1

Debt to Worth Ratio, Linked Deposit Loan Subsidy 1

Delinquent/Defaulted Loans 1

Denial 1

Denial, Linked Deposit Loan Subsidy 1

Development Team, Developer as Borrower, Neighborhood Business Revitalization Guarantee 1

- E -

Eligibility, Agribusiness Guarantee 1

Eligible Businesses, Agribusiness Guarantee 1

Eligible Businesses, Linked Deposit Loan Subsidy 1

Eligible Businesses, Small Business Guarantee 1

Eligible Projects, Business (non-developer) as Borrower, Neighborhood Business Revitalization Guarantee 1

Eligible Projects, Developer as Borrower, Neighborhood Business Revitalization Guarantee, 1

Eligible Uses of Proceeds, Agribusiness Guarantee 1

Eligible Uses of Proceeds, Business (non-developer) as Borrower,Neighborhood Business Revitalization Guarantee 1

Eligible Uses of Proceeds, Developer as Borrower, Neighborhood Business Revitalization Guarantee 1

Eligible Uses of Proceeds, Linked Deposit Loan Subsidy 1

Eligible Uses of Proceeds, Small Business Guarantee 1

Employment Information, Linked Deposit Loan Subsidy 1

Environmental Considerations 1

Equity, Developer as Borrower, Neighborhood Business Revitalization Guarantee 1

Expenses Before Application 1

Extensions 1

Extensions, Linked Deposit Loan Subsidy 1

- F -

Financing Terms and Conditions, Agribusiness Guarantee 1

Financing Terms and Conditions, Linked Deposit Loan Subsidy 1

Financing Terms and Conditions, Neighborhood Business Revitalization Guarantee (applies to all borrowers) 1

Financing Terms and Conditions, Small Business Guarantee 1

Formulas, Linked Deposit Loan Subsidy 1

Funding, Linked Deposit Loan Subsidy 1

- G -

General Responsibilities of the Lender 1

Guarantee Payment and Expense Participation 1

Guarantee, Agribusiness Guarantee 1

Guarantee, Neighborhood Business Revitalization Guarantee (applies to all borrowers) 1

Guarantee, Small Business Guarantee 1

- I -

Incomplete Application 1

Incomplete Application, Linked Deposit Loan Subsidy 1

Ineligible Businesses, Agribusiness Guarantee 1

Ineligible Businesses, Linked Deposit Loan Subsidy 1

Ineligible Businesses, Small Business Guarantee 1

Ineligible Projects, Business (non-developer) as Borrower, Neighborhood Business Revitalization Guarantee 1

Ineligible Projects, Developer as Borrower, Neighborhood Business Revitalization Guarantee, 1

Ineligible Startup Downtown Area Business Communities 1

Ineligible Uses of Proceeds, Agribusiness Guarantee 1

Ineligible Uses of Proceeds, Business (non-developer) as Borrower, Neighborhood Business Revitalization Guarantee 1

Ineligible Uses of Proceeds, Developer as Borrower, Neighborhood Business Revitalization Guarantee 1

Ineligible Uses of Proceeds, Linked Deposit Loan Subsidy 1

Ineligible Uses of Proceeds, Small Business Guarantee 1

Initial Marketing Expenses, Agribusiness Guarantee 1

Interest Payment, Linked Deposit Loan Subsidy 1

Interest Rate on Certificate of Deposit, Linked Deposit Loan Subsidy 1

Interest Rate on Loan, Linked Deposit Loan Subsidy 1

Interest Rate, Agribusiness Guarantee 1

Interest Rate, Neighborhood Business Revitalization Guarantee (applies to all borrowers) 1

Interest Rate, Small Business Guarantee 1

Interim Financing 1

Interim Financing, Linked Deposit Loan Subsidy 1

Introduction Chapter 1

- L -

Land, Building, Equipment and Inventory, Agribusiness Guarantee 1

Lender's File 1

Lender's Underwriting Assurances, Agribusiness Guarantee 1

Lender's Underwriting Assurances, Business (non-developer) as Borrower,Neighborhood Business Revitalization Guarantee 1

Lender's Underwriting Assurances, Developer as Borrower, Neighborhood Business Revitalization Guarantee 1

Lender's Underwriting Assurances, Small Business Guarantee 1

LiDL Addendum 1

LiDL Application and Instructions 1

LiDL Application Checklist 1

Linked Deposit Loan Subsidy Chapter 1

Linked Deposit Loan Subsidy 1

Liquidity Ratio, Agribusiness Guarantee or Small Business Guarantee 1

Liquidity Ratio, Business (non-developer) as Borrower Neighborhood Business Revitalization Guarantee 1

Loan Agreement, Linked Deposit Loan Subsidy 1

Loan Authorization 1

Loan To Value, Developer as Borrower Neighborhood Business Revitalization Guarantee, 1

- M -

Management, Agribusiness Guarantee or Small Business Guarantee 1

Management, Business (non-developer) as Borrower Neighborhood Business Revitalization Guarantee, 1

Management, Linked Deposit Loan Subsidy 1

Market, Agribusiness Guarantee or Small Business Guarantee 1

Market, Business (non-developer) as Borrower Neighborhood Business Revitalization Guarantee 1

Market, Developer as Borrower Neighborhood Business Revitalization Guarantee 1

Maturity, Linked Deposit Loan Subsidy 1

Minimum/Maximum Loan Amount, Linked Deposit Loan Subsidy 1

Mission, Agribusiness Guarantee or Small Business Guarantee 1

Mission, Business (non-developer) as Borrower, Neighborhood Business Revitalization Guarantee 1

Mission, Developer as Borrower, Neighborhood Business Revitalization Guarantee 1

Monetary Delinquency/Default 1

- N -

Neighborhood Business Revitalization Guarantee Chapter 1

Neighborhood Business Revitalization Guarantee, Business (non-developer) as Borrower 1

Neighborhood Business Revitalization Guarantee, Developer as Borrower 1

Neighborhood Business Revitalization Guarantee 1

Non-Monetary Delinquency/Default 1

Notice 1

- O -

Occupancy, Developer as Borrower, Neighborhood Business Revitalization Guarantee 1

Other Funding Source Compliance Considerations 1

Other Terms and Conditions, Agribusiness Guarantee 1

Other Terms and Conditions, Neighborhood Business Revitalization Guarantee (applies to all borrowers) 1

Other Terms and Conditions, Small Business Guarantee 1

Owner's Equity, Agribusiness Guarantee or Small Business Guarantee 1

Owner's Equity, Business (non-developer) as Borrower, Neighborhood Business Revitalization Guarantee 1

Owners, Linked Deposit Loan Subsidy 1

Ownership, Linked Deposit Loan Subsidy 1

- P -

Permanent Working Capital, Agribusiness Guarantee 1

Prepayment, Linked Deposit Loan Subsidy 1

Principal's Net Worth, Linked Deposit Loan Subsidy 1

Product Summary Guide 1

Project Documentation, Linked Deposit Loan Subsidy 1

Prompt Notification 1

Proposed Debt Service Coverage, Linked Deposit Loan Subsidy 1

- Q -

Quick Reference to Credit Guidelines, Agribusiness Guarantee or Small Business Guarantee 1

- R -

Refinancing Existing Debt At Maturity, Agribusiness Guarantee 1

Request for Guarantee Payment 1

Resumes of Owners and Key Management, Linked Deposit Loan Subsidy 1

Review Process, Linked Deposit Loan Subsidy 1

- S -

Servicing Chapter 1

Servicing Definition 1

Servicing Fee 1

Servicing Responsibilities 1

Sources and Uses of All Project Proceeds, Linked Deposit Loan Subsidy 1

- T -

Term of Loan, Linked Deposit Loan Subsidy 1

Term, Agribusiness Guarantee 1

Term, Neighborhood Business Revitalization Guarantee (applies to all borrowers) 1

Term, Small Business Guarantee 1

Termination, Linked Deposit Loan Subsidy 1

Terms and Conditions 1

Total Project Financing, Linked Deposit Loan Subsidy 1

Two Notes, Linked Deposit Loan Subsidy 1

- U -

Underwriting 1

Underwriting Guidelines For Businesses (Non-Developers, Neighborhood Business Revitalization Guarantee) 1

Underwriting Guidelines For Developers, Neighborhood Business Revitalization Guarantee 1

- W -

WHEDA Small Business Guarantee 1

WHEDA's Review of Request for Guarantee Payment 1

When to Request a Guarantee Payment 1

Which Product, Chapters and Forms to Use 1

Who To Contact 1

Wisconsin Business Loan Application, Linked Deposit Loan Subsidy 1

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