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Small business borrowers are often surprised by the number and kind of documents associated with finalizing a commercial loan from a bank or other lender Lending is the principal business activity for most commercial banks. The loan portfolio is typically the largest asset and the predominate source of.LOANS. Section 3.2. RMS Manual of Examination Policies. 3.2-1. Loans (11-20). Federal Deposit Insurance Corporation. INTRODUCTION. Abstract: Using credit-registry data for Spain and Peru, we document that four main types of commercial credit—asset-based loans, cash-flow loans,