Block walk training

ACCION USA “Block walking” Forging and fortifying relationships in the communities that we serve.

Why block walking? ,[object Object],[object Object]

Why the lack of Access? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],“ We are attempting to fill in the gap that exists in financial services and helping individuals establish commercial credit.”

LOAN PRODUCTS ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Interest Rates ,[object Object],None Pre-penalty Fee 3-6% of the loan amount Closing costs Fees $30 If Loan is Approved Application Fee In some cases, clients who are able to provide a cosigner will receive a discount of 2% on their APR when is 12-15.99% Rate decreases with each additional loan. Renewal Loans with perfect repayment on previous AUSA loans Fixed APR 8.99% - 15.99 % First-time Business Loans

AUSA Loan Application Process Client learn about ACCIONUSA Client fills out the application and send it to AUSA or provide the information over the phone to the loan consultant AUSA could offer the client range and Interest rate after loan consultant have all Information from the application Prequal Client submits complete documentation and gets Interviewed by Loan Consultant Loan Consultant analyze the loan and submit for Underwriting Underwriter Approves or Declines Loan Consultant inform the client the decision and Schedule the disbursement Once all documents are submitted to Underwriter it takes about 5-10 business days for an answer

Decision Factors: Character, Cash Flow, Collateral ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Decision Factors: Credit ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Decision Factors: Industry and Purposes ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

ACCION USA Portfolio Profile AUSA MICROLOANS Most Common Business Sectors (By $ Value)

Client Impact ,[object Object],[object Object],[object Object]

Soft Ways to approach a Business Owner ,[object Object],[object Object],[object Object],[object Object]

More Sample Questions ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Block walk training

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Block walk training