Technical Tip: Amortization vs. Maturity

Technical Tip: Amortization vs. Maturity

Amortization and maturity are frequent terms heard in the financial industry. Both have important uses in business lending, but what is the difference? CUBG’s expert staff provided this tip in response to a question we hear frequently from our clients. What is the difference between amortization and maturity, and can these terms be used mutually? Although…

Debt Service Coverage – The Key to Determining Capacity

Debt Service Coverage – The Key to Determining Capacity

From Nick Reynolds, VP/Credit Services Manager The risks associated with business lending differ significantly from those associated with traditional consumer lending.  While consumer information is still an important part of knowing your member, the types of risks associated with commercial loans tend to be more varied, and wider in scope.  This article is one in…