---
title: How to make your business attractive to lenders [cheat sheet]
description: "A bank, financier or equity investor focuses on three S’s when considering their appetite for your business. They are: Servicing, Security and Surety."
image: https://blog.jpabusiness.com.au/hubfs/1.%20Images/1.%20Stock%20Images/Liquidity.jpg
---

 24 July 2018

# How to make your business attractive to lenders [cheat sheet]

WRITTEN BYJames Price | JPAbusiness

![Liquidity](https://blog.jpabusiness.com.au/hs-fs/hubfs/1.%20Images/1.%20Stock%20Images/Liquidity.jpg?width=600&name=Liquidity.jpg)

A bank, financier or equity investor focuses on three S’s when considering their appetite for your business. They are:

- **Servicing**
- **Security**
- **Surety.**

None of these factors are completely controllable, but **they are strongly influenced by your actions as a business owner.**

Our cheat sheet can help you understand and manage these factors, to help create a strong and positive relationship with your bank or financier.

[Click ](https://blog.jpabusiness.com.au/hubfs/3.%20Infographics%20and%20cheat%20sheets/How%20to%20influence%20the%203%20S's%20of%20bank%20lending%20-%20LS.pdf)on the cheat sheet below to open the pdf version.

[![How to influence the 3 S's of bank lending - LS](https://blog.jpabusiness.com.au/hs-fs/hubfs/3.%20Infographics%20and%20cheat%20sheets/How%20to%20influence%20the%203%20S's%20of%20bank%20lending%20-%20LS.png?width=600&name=How%20to%20influence%20the%203%20S's%20of%20bank%20lending%20-%20LS.png)](https://blog.jpabusiness.com.au/hubfs/3.%20Infographics%20and%20cheat%20sheets/How%20to%20influence%20the%203%20S's%20of%20bank%20lending%20-%20LS.pdf)

Are you getting the best out of your dealings with your bank? Do you need assistance to get your relationship with a bank, financier or investor back on track? 

[Contact](https://landing.jpabusiness.com.au/contactus) the team at JPAbusiness on **02 6360 0360** for an obligation-free discussion on how we can help.

 

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![JAMES PRICE | JPAbusiness](https://blog.jpabusiness.com.au/hs-fs/hubfs/JPAbusiness_Files/james_in_a_circle.png?width=90&name=james_in_a_circle.png "JAMES PRICE | JPAbusiness")James Price has over 30 years' experience in providing strategic, commercial and financial advice to Australian and international business clients. James' blogs provide business advice for aspiring and current small to mid-sized business owners, operators and managers.

 

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Topics

- [banks and lending ](https://blog.jpabusiness.com.au/blog/topic/banks-and-lending)
- [running your business ](https://blog.jpabusiness.com.au/blog/topic/running-your-business)
- [cheat sheet ](https://blog.jpabusiness.com.au/blog/topic/cheat-sheet)
- [banking ](https://blog.jpabusiness.com.au/blog/topic/banking)

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