A comprehensive category of financial products offered by banks and other lenders for individuals or businesses, covering personal loans, mortgages, business and corporate loans, and lines of credit up to a specified limit. Borrowers typically repay these funds over time with interest, subject to varying rates, repayment terms, and eligibility criteria. Specialized options may include corporate lines of credit or term loans for expansions, operational costs, or capital investments.
Main/
Loan and Credit Facilities
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Code
PS0076
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Name
Loan and Credit Facilities
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Version
1.0
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Category
Lending & Credit
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Created
2025-03-14
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Modified
2025-04-02
Related Techniques
- The same invoice or shipping documentation is presented as collateral for loans from multiple lenders.
- By layering these credit applications, criminals obtain several loans for a single set of goods or services, effectively multiplying illicit proceeds.
Revolving corporate loans secured against counterfeit receivables or exaggerated turnover let fronts draw bank funds, repay with illicit cash, and create a false trail of “loan proceeds” and “debt service” that distances dirty money from its source.
- Syndicated loan structures allow criminals to hide behind multiple lenders, exploiting gaps in each lender's due diligence.
- Over-invoicing and phantom shipments are used to inflate loan values, layering illicit proceeds through various lender channels and complicating detection.