Biz Intel Desk is written from inside corporate banking. We have spent years on the side of the desk that reads loan applications, not the side that sends them in, and this site is our attempt to explain what we see there in plain English.
Most advice for small and mid-sized business owners stops at writing a business plan or pitching an investor. Very little of it explains what happens after an application reaches the credit team: which numbers get checked first, which ones are deal-breakers and which ones can be negotiated. That gap is why we started this site.
What you will find here
Clear guides to how business credit really works: how banks assess a loan application, what ratios such as DSCR actually measure, how a line of credit differs from a term loan, and what covenants mean once the documents are signed. We also build free calculators so you can run the same numbers a credit analyst would, before you meet your bank.
We are not selling loans, and we do not take payment from lenders to feature them. The aim is simple: to help owners walk into a bank meeting knowing how the other side of the table thinks.
Why we publish as Biz Intel Desk
Our experience comes from working in corporate banking, but this site is independent. It is not backed or endorsed by any bank or employer. Writing under the site name keeps the focus on how credit decisions work in general, rather than on any one institution and its internal policies.
What this site is not
Nothing here is personal credit, legal or financial advice. Lending rules differ by bank, by type of loan and by country, and they change over time. Always check the current requirements with your own lender or a qualified adviser before you make a financing decision.
Questions or suggestions? Write to us at support@bizinteldesk.com and our team will get back to you.
Editorial policy
Every article on Biz Intel Desk follows the same standards, so you can rely on what you read.
- Written from the lender’s side. Our guides explain how credit teams commonly assess applications. Individual lenders set their own policies, so we describe common practice rather than any one bank’s rules.
- Checked against primary sources. Where an article refers to official programmes, rules or rates, we check them against the issuing body, such as a central bank, regulator, tax authority or the U.S. Small Business Administration, and link to the source where helpful.
- Worked examples use invented figures. Examples and sample businesses are made up to show the method. They are not real customers.
- Reviewed and dated. Each article shows the date it was last reviewed. We revisit guides when rules, rates or common practice change.
- Calculators are tested. Each calculator’s formula is checked against hand-worked examples before it is published.
- Independent. We are not paid by lenders to recommend their products. Where we sell our own templates, such as the SME Loan Package Starter Kit, we say so clearly.
- Not personal advice. Our content is general information. Speak to a qualified adviser or your lender before making financing decisions.
Corrections: spotted an error or an out-of-date figure? Tell us through the contact page and we will review it promptly.