Some advisors talk about a "cash infusion" like it is a blood donor thing. Well, it is, kind of. A cash infusion is the cash the owner of a business puts in from his/her personal funds to get the business started. If you have enough cash to "infuse," you wouldn't need a loan. In most situations, though, the startup requires more money than the owner has.
What if you have funds but you don't want to spend them? Sometimes a bank will allow you to "pledge" or "assign" the funds (like a CD or stock, for example), and only sell them to pay the bank if something happens. In other cases, the bank wants pure green cash. You never know....
Same with a co-signer. I have heard of co-signers pledging property, usually with a second mortgage, or farms, or mutual funds. Sometimes the bank wants the co-signer to come up with cash. Again, you never know....
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