Securing a business loan can be a daunting task. Even with a solid business plan and years of industry experience, many entrepreneurs and investors face rejection. Why? Because banks are looking for security, and in today’s financial climate, even good ideas need extra assurance.

That’s where Courtesy Deposits come into play.

When a lender sees a large, insured deposit already sitting in their institution related to a loan proposal, their perception of the deal changes. It’s not just about your business plan or cash flow projections anymore. Now, they see an institutionally-backed relationship that lowers their perceived risk.

Courtesy Deposits create a psychological and operational shift. From a risk management perspective, they imply stability. From a compliance perspective, the deposit shows that third parties (like Deposit Capital) are involved and are following formal protocols and regulatory guidelines. All of this leads to one thing: confidence. And confidence gets loans approved.

It’s important to clarify that these deposits are not used to guarantee the loan or serve as collateral. Rather, they are a courtesy placement — a neutral but strategic form of influence on the bank’s assessment of your file.

Many clients who were turned down before find themselves reconsidered after using this service. If you’ve been struggling to gain traction with lenders, this strategy could be the tipping point. Just be sure your proposal is ready for review, because with a Courtesy Deposit in place, things can move quickly.