What is the focus of commercial lending?

The focus of commercial lending is primarily on providing financial services to businesses. This encompasses a range of lending options designed to support business operations, growth, and investment. Commercial lending includes various products such as term loans, lines of credit, and equipment financing tailored specifically for the needs of businesses, rather than individuals, charities, or government entities. Commercial lenders assess the creditworthiness of businesses based on their financial health, operational performance, and potential for revenue generation, making it distinct from the lending practices directed at individuals or non-profit organizations. The aim is to facilitate business development by meeting the specific monetary needs of companies, ensuring they can manage cash flow, invest in opportunities, and sustain their operations effectively.