The New York civil fraud trial against former president Donald Trump, his sons, and the Trump Organization culminated in a $355 million verdict and other penalties. Their New York State firms will suffer, but not immediately.

The verdict bars Trump and his sons from being officers or directors at their New York firms for the foreseeable future. Trump and his sons are banned for three and two years, respectively. For three years, Trump and the Trump Organization cannot borrow from New York State-chartered financial institutions.

Trump and his family own their businesses but cannot run them. This verdict severely limits their power and capital access.

The verdict may have been worse. They risked losing their state company certifications, and Trump could have been banned from the New York real estate industry.

Instead, the final verdict mandates an independent monitor and compliance director for the Trump Organization. For at least three years, the monitor will serve.

Trump will undoubtedly challenge the case, but the injunction's commercial criteria make it more likely to survive.

The $355 million judgment disgorges fraudulent gains. With interest, it may approach $450 million.

Trump must pay $355 million with interest during appeals. It's unknown where the funding will come from, but lending to Trump is risky given his legal issues.