# loanee.io

> Business debt and loan research site with lender directory, AI chatbot, and guides on SBA lending, collateral, covenants, and repayment.

## Pages
* [Home | loanee.io](https://loanee.io/): Free anonymous chatbot for researching 1,000+ lenders and checking refinancing options.
* [Helpful Resources and Guides | loanee.io](https://loanee.io/resources/): Practical lender and debt guidance articles for business borrowers.
* [Lender Directory | loanee.io](https://loanee.io/lenders/): Directory of lenders with concise profiles for business financing research.
* [Join the Lender Directory & Marketplace for free | loanee.io](https://loanee.io/join-the-lender-directory-marketplace/): Signup page for lenders to list criteria, target scores, and contact details.
* [Loanee.io Privacy Policy for AI Chatbot and Lender Directory | loanee.io](https://loanee.io/privacy-policy/): Privacy policy covering data collection, processing, and protection on the site.
* [Website Terms of Use & Disclaimers | loanee.io](https://loanee.io/terms-of-use/): Terms and disclaimers for the informational loan insights and directory services.

## Articles
* [Asset-Liability Matching for Corporate Debt and SBA Financing](https://loanee.io/asset-liability-matching-for-corporate-debt-and-sba-financing/): Explains matching debt terms to asset life for corporate and SBA financing.
* [Audit Tax Returns and Profit and Loss Statements](https://loanee.io/audit-tax-returns-and-profit-and-loss-statements/): Covers how underwriters review tax returns and P&Ls to size loans and assess risk.
* [Blanket Liens and UCC-1 Filings: How Corporate Asset Backing Works](https://loanee.io/blanket-liens-and-ucc-1-filings-how-corporate-asset-backing-works/): Explains blanket liens, UCC-1 filings, and asset-backed loan collateral.
* [Collateral & SBA Loans: What Assets Do You Actually Need?](https://loanee.io/collateral-sba-loans-what-assets-do-you-actually-need/): Describes which assets SBA lenders can lien and how collateral requirements work.
* [Commercial Loan Agreement: Spotting Hidden Prepayment Penalties](https://loanee.io/commercial-loan-agreement-spotting-hidden-prepayment-penalties/): Shows how to identify prepayment penalties in commercial loan agreements.
* [How Business Operations Impact Your FICO SBSS Score](https://loanee.io/how-business-operations-impact-your-fico-sbss-score/): Links daily operations and cash flow habits to FICO SBSS performance.
* [Mid-Year Financial Statements for Commercial Credit Reviews](https://loanee.io/mid-year-financial-statements-for-commercial-credit-reviews/): Explains using mid-year statements for lender reviews, covenants, and faster approvals.
* [SBA Working Capital Microloans: Fast Cash Under $50k](https://loanee.io/sba-working-capital-microloans-fast-cash-under-50k/): Introduces SBA microloans for businesses seeking working capital under $50k.
* [The Ultimate Guide to SBA 7(a) Eligibility Requirements](https://loanee.io/the-ultimate-guide-to-sba-7a-eligibility-requirements/): Covers SBA 7(a) size standards, creditworthiness, and borrower eligibility.
* [Understanding Financial Covenants: Maintain Health and Avoid Loan Defaults](https://loanee.io/understanding-financial-covenants-maintain-health-and-avoid-loan-defaults/): Explains financial covenants and how to avoid default by staying compliant.
* [Business Amortization Table Guide for CFOs | loanee.io](https://loanee.io/cfo-amortization-table-kpis/): CFO guide to amortization tables for tracking debt, cash flow, and covenant risk.
* [Bank Statement Analysis for Business Loans | loanee.io](https://loanee.io/demystifying-bank-statements-how-alternative-funders-analyze-daily-balances/): Shows how lenders use bank statements to judge cash flow and funding risk.

## Optional
* [Market Trends: How Prime Rate Shifts Impact SBA Borrowers | loanee.io](https://loanee.io/market-trends-how-prime-rate-shifts-impact-sba-borrowers/): Explains how prime rate changes affect SBA borrower costs and payments.
* [The Role of CDC Partners in SBA 504 Equipment Loans | loanee.io](https://loanee.io/the-role-of-cdc-partners-in-sba-504-equipment-loans/): Describes CDC partners in SBA 504 equipment loan deals.
* [Navigating Daily Cash Flow: Managing Strict ACH Deductions | loanee.io](https://loanee.io/navigating-daily-cash-flow-managing-strict-ach-deductions/): Advises on handling daily ACH deductions without damaging business liquidity.
* [Fixed vs Variable Commercial Loan Rates | loanee.io](https://loanee.io/fixed-vs-variable-commercial-interest-rates/): Compares fixed and variable commercial rates for cash flow and payment risk.
* [Commercial Loan Repayment Schedules: Principal vs Interest | loanee.io](https://loanee.io/commercial-loan-repayment-schedules/): Compares principal and interest repayment schedules and their cash flow effects.
* [Understanding Interest Rate Reset Periods and Amortization Shifts | loanee.io](https://loanee.io/loan-rate-reset-amortization/): Explains rate resets and amortization shifts and their impact on DSCR.
* [Business Real Estate Collateral Guide | loanee.io](https://loanee.io/real-estate-collateral-in-business-lending-appraisals-ltv-and-first-liens/): Covers real estate collateral, LTV, appraisals, and first-lien terms.
* [Leveraging Non-Real Estate Collateral | loanee.io](https://loanee.io/accounts-receivable-and-equipment-financing-leveraging/): Explains how receivables and equipment can be used to secure working capital.