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      "text": "WORKING CAPITAL FINANCE: Provides working capital for new or growing companies to meet short-term operational requirements; Primarily variable rate loans with majority of floors at or above 6%; Bank typically has dominion of funds; Heavily collateral-managed; Historically excels during economic downturns",
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      "text": "EQUIPMENT FINANCE: Loan and lease financing to provide access to needed equipment; Typically secured with mission-critical equipment; Borrowers range from start-up companies to investment grade companies; Primarily fixed rate loans and leases; Flexibility to sell direct originations to secondary market",
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      "text": "STRUCTURED FINANCE: Funding to small and midsized businesses and rural borrowers to fund growth, expansion, and restructuring; SBA, USDA, and conventional loans with fixed or variable interest rates; Debt refinance, leveraged acquisitions, and alternative energy project finance; SBA and USDA guarantees can be sold on the secondary market",
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      "text": "INSURANCE PREMIUM FINANCE: Short-term financing to facilitate the purchase of property, casualty, and liability insurance premiums; Average term of 10 months; Fixed rate loans; Collateralized by insurance premiums; Very low historical loss rate",
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