Why do banks have loan covenants?  Listen as guest Ryan Fraunfelder explains loan covenants and their use.  KeyBank executive shares what lenders are seeking in client financials.  Hear why cash is king.  Fraunfelder explains how lenders look at S-Corp distributions.  Key financial ratios are discussed.  Listen for why a strong balance sheet is important.  Guest shares why he enjoys banking and working with people.  Covenants-are they binders or benchmarks? How should a company use a line of credit.   Fiscal cycle financing.  Learn why your doctor and your lender may be similar in their thinking.