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hey guys welcome back to another video today were going to be talking about debt financing term sheets so these term sheets are discussion papers that a lender would provide to a business owner that is looking to borrow funds to you know buy piece of real estate buy business whatever the case is so this document is very common the structure of the document you know while there may be section differences the overall wording and the concepts behind this video are universal across any term sheets that you would come across when borrowing money from banks so this video is really dedicated for business owners that want to understand term sheets as well as commercial bankers that are new to the sector and want to understand the document a little bit more in depth so i know theres a lot of detail here uh just as a quick background if youve never watched one of the one of my videos before i you know started my career in the commercial banking world and transitioned into the m a mergers and