Banks offer various types of business loans including term loans and SBA microloans. Borrowers need real estate collateral or personal name for business loans. Approximately 80-90% of startups fail, making banks take higher risk. Banks require proof of identity, income, and social security number
SME finance includes bank loans, leasing, equity, venture capital, and government funding. Traditional banks offer collateral-based lending with reliable debtors. Information-based lending evaluates borrowers' financial position. Viability-based financing assesses business growth potential