Interest rates aren't just high or low anymore—they're unpredictable. And that's changing everything about commercial lending.

In this episode, host Tom Dunlap talks with Clare Schuller, commercial lending attorney at Dunlap Bennett & Ludwig, about how banks and borrowers are navigating unprecedented rate volatility.

What You'll Learn:

• Why interest rate unpredictability is more challenging than simply high or low rates
• How banks are tightening debt service coverage ratio requirements
• Creative covenant structures when your business doesn't fit the conventional lending box
• The real impact of post-Silicon Valley Bank regulations on medium-sized banks
• What KYC (Know Your Customer) requirements mean for your loan applications
• When alternative lending and direct lending make sense—and when they don't
• Why hiring lending counsel can save you money on multi-million dollar loans

Key Insight: Banks aren't worried about losing money on existing loans—they're worried about whether your business can survive if rates spike to 10% in three years. Clare explains how lenders are assessing long-term borrower health in this new environment.

Whether you're seeking business financing, investing in commercial real estate, or managing a bank's lending portfolio, this episode delivers practical guidance on navigating today's lending landscape.

Guest: Clare Schuller, Partner at Dunlap Bennett & Ludwig, specializing in commercial lending for banks and borrowers