Navigating the Business Loan: Guidelines for Financiers, Small-Business Owners, and Entrepreneurs

The need for "back to basics" information about credit risk has not disappeared; in fact, it has grown among lenders and investors who have no easy ways to learn about their clients. This short and readable book guides readers through core risk/performance issues. Readers learn the ways and means of running more efficient businesses, review bank and investor requirements as they evaluate funding requests, gain knowledge selling themselves, confidence in business plans, and their ability to make good on loans. They can download powerful tools such as banker’s cash flow models and forecast equations programmable into a cell or tablet. Readers can punch keys to ascertain financial needs, calculate sales growth rates calling for external financing, profits required to internally finance their firms, and ways to position revenue growth rates in equilibrium with their firm’s capital structure – a rock-solid selling point among smart lenders and investors.

The book’s "how-to," practical and systematical guide to credit and risk analysis draws upon case studies and online tools, such as videos, spreadsheets, and slides in providing a concise risk/return methodology.

Introduces ways to define and manage riskUses case studies and online tools to extend and apply credit analysis and business management toolsSurveys "hard" and "soft" data and ways they help lenders, other financiers, small-business owners, and entrepreneurs spot potential problems, write optimal business plans, and deliver effective loan or /investor geared presentations

Chapter One Business Structures and Funding Sources

Chapter Two How Banks Evaluate Your Loan Application

Chapter Three Is Your Financial Information Accurate And Reliable?

Chapter Four Ratios Every Business Should Monitor

Chapter Five Financing Your Season

Chapter Six Exploring Your Business’ Nerve Center: Cash Flow

Chapter Seven Interactive Business Forecasts Equations

Chapter Eight Assets You Can Pledge To Support Your Business Loan

Chapter Nine What Is Your Business Worth?