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For most small business loans, the primary source of repayment is the cash flow of the business. A bank's cash flow analysis should cover current and expected cash flows, and reflect expectations for the borrower's performance over a reasonable range of future conditions.
Small Business Lending: Meeting the Credit Needs of Creditworthy Small Business Borrowers (OCC 2010-6, February 2010), Interagency Statement
Financing Minority Businesses (AL 2003-8, October 2003) Covers how banks can satisfy the financing needs of minority business entrepreneurs while maintaining safe and sound banking practices
Questions and Answers Regarding Documentation Policy (BB 1993-54, November 1993), Questions and Answers Covers questions and answers related to documentation for loans to small and medium-sized businesses and farms
Interagency Policy on Small Business Loan Documentation (BB 1993-46, August 1993) Covers bank and federal agency participation in the small business loan program
Questions and Answers Regarding Documentation Policy (BB 1993-23, April 1993), Questions and Answers Covers the Interagency Policy on Small Business Loan Documentation issued April 2, 1993, under Banking Bulletin 93-18
Interagency Policy on Small Business Loan Documentation (BB 1993-18, April 1993) Covers the interagency policy statement on documentation for loans to small and medium-sized businesses and farms
Data Collection for Small Business Loan Documentation (EC 264, April 1993) Covers a program to collect data on loans that banks identify for exemption from unnecessary documentation
Interagency Policy Statement on Credit Availability (BB 1993-12, March 1993), Interagency Statement Addresses availability of credit, especially for small and medium-sized businesses
Shared National Credit (SNC) Report
Quarterly Report on Bank Trading and Derivatives Activities
Mortgage Metrics Report
