Access to Capital

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In this course, you will learn about the 5 C’s of Credit. These are Conditions, Capacity, Capital, Collateral, and Character. Conditions refer to factors like interest rates and the amount of principal. Capacity assesses the borrower’s debt-to-income ratio. Capital indicates the borrower’s level of seriousness. Collateral offers assurance that if the borrower defaults on the loan, the lender can repossess the collateral. Lastly, Character refers to Credit History. You will also learn about the key questions to ask when seeking funding. This includes understanding the different types of lenders out there, as well as discovering useful resources and tools that can help you in your search for funding.

Course Content

Section 1

Meet Your Instructor.

Picture of Ron Fisher

Ron Fisher

Ron Fisher serves as a Business Solutions Officer with a geographic focus on the greater Charlotte region. Prior to his current role, he operated his own consulting firm for 12 years and provided services to financial institutions and non-profit economic development organizations throughout the region. Has also previously worked for First Union National Bank (now Wells Fargo) in the areas of community development lending, affordable housing program management, and small business lending. He holds a Bachelor of Business Administration in Finance from North Carolina Central University and a Master of Business Administration from the University of Wisconsin at Madison.