Saturday, May 18, 2019 from 11:00 AM to 2:00 PM PDT
Add to Calendar 


HAPO Community Credit Union 
13909 SE Mill Plain Blvd
Vancouver, WA 98684

Driving Directions 


SCORE Vancouver 
SCORE Chapter 0566 
360 545-3210 

Course Leader: Bill Ruttledge

Your Discussion Leader will be Arthur Wm. "Bill" Ruttledge, a 40+ year veteran of the financial services industry during which he consulted entrepreneurial small businesses and major non-profit institutions & publicly held corporations.  Bill has been active with SCORE for the past nine years currently serving as Assistant District Director for SCORE's Oregon & SW Washington chapters. 

SCORE Vancouver Thanks

HAPO Community Credit Union

Our thanks to HAPO Community Credit Union for making this seminar available to our chapter and the Vancouver Business Community through a genrous grant and free use of facilities.

This SCORE seminar will walk you through the steps of how to prepare a commercial bank loan application.

Your SCORE Course Leader is retired with forty years of commercial insurance & finance experience in addition to nearly 20 years as an adjunct instructor of finance and accounting programs with the St. Louis Community College.  You’ll learn about resources and tools, often freely available, that will help you with the process and improve your chances to get both the loan and the terms you want.

Some takeaways from this seminar include:

  • Understand how past credit history will impact a lending decision.
  • How to calculate and articulate your specific lending need.
  • Understand what bankers like to know about your business and learn beforehand if your company’s numbers will be “in the running” or not.
  • A discussion of expected collateral requirements to support your loan request.
  • Learn what alternatives to borrowing might exist and why borrowing might be the lowest cost form of additional capital for your business.
  • Understand the role of the US Small Business Administration and how may they help you get the loan your business needs.
  • You’ll learn about the variety of available “loan packages” that banks may choose from.
  • Hear about the free, personalized mentoring services you can expect from local SCORE volunteers as you prepare a loan application.

This seminar is normally $35 per person but is being offered to our Business Community through the generosity of HAPO Community Credit Union.  The $10 Registration Fee covers both the seminar and a light lunch provided by the sponsor. 

Additionally, each attendee may later personally meet with a SCORE mentor, without cost, to review your loan preparation or address other business questions you may have.  To assure a superior educational experience, registration is limited to 40 attendees so please register early.


SCORE "Counselors to America's Small Business" is a nonprofit association dedicated to educating entrepreneurs and helping small business start, grow and succeed nationwide.  SCORE is a resource partner of the U.S. Small Business Administration (SBA).

SCORE is headquartered in Herndon, VA and Washington, DC and has over 300 chapters throughout the United States and its territories with 11,000 + volunteers nationwide.  Both working and retired executives and business owners donate time and expertise as business counselors. Now celebrating its 55th year, SCORE was founded in 1964.