Effective Loan Negotiation Tips

Prepare a detailed financial report showing improved revenues, reduced expenses, and strong repayment capacity before meeting lenders.

Clearly define the loan amount, purpose, and repayment plan—you’ll gain credibility by demonstrating planning.

Shop around: leverage competing offers (e.g., KCB vs. Equity) to negotiate better rates or reduced fees.

Request waivers on processing or early‑repayment penalties to save costs over time.