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INTRODUCTION 4 BEFORE PREPARING A LOAN REQUEST 8 CHAPTER 1 - SIMPLY DEBT: CONS AND PROS 8 CHAPTER 2 - TRANSLATING YOUR BUSINESS GOALS INTO DEBT FINANCING TERMS 11 CHAPTER 3 - THE IMPORTANCE OF KNOWING HOW MUCH, WHY, AND HOW 14 CHAPTER 4 - HOW MUCH IS TOO MUCH? 17 CHAPTER 5 - DO YOU NEED A LOAN PROPOSAL? 21 CHAPTER 6 - A QUICK OVERVIEW OF FINANCIAL CONCEPTS THAT ARE USEFUL IN APPLYING FOR LOANS 23 CHAPTER 7 - LENDING TERMINOLOGY AND CONCEPTS FOR SMALL BUSINESS OWNERS 27 PREPARING A LOAN REQUEST (CASH FLOW FACTORS) 33 CHAPTER 8 - ANALYZING YOUR HISTORICAL FINANCIAL PERFORMANCE AND STAYING ONE STEP AHEAD OF LENDERS 33 CHAPTER 9 - EVALUATING YOUR CASH FLOW BASED ON HISTORICAL VERSUS PROJECTED FINANCIAL STATEMENTS 36 CHAPTER 10 - DETERMINING YOUR FINANCING NEEDS: HOW MUCH YOU NEED VERSUS HOW MUCH YOU CAN AFFORD 39 CHAPTER 11 - DOES YOUR FINANCING REQUEST MAKE SENSE? 43 PREPARING A LOAN REQUEST (NON-CASH FLOW FACTORS) 45 CHAPTER 12 - COLLATERAL 45 CHAPTER 13 - PERSONAL GUARANTEE 48 CHAPTER 14 - PERSONAL CREDIT HISTORY 50 CHAPTER 15 - QUALITY OF YOUR MANAGEMENT TEAM 52 CHAPTER 16 - BUSINESS CREDIT HISTORY 53 CHAPTER 17 - THE FIVE CS OF CREDIT AND WHY YOU NEED TO KNOW THEM 54 PUTTING ALL THE INFORMATION TOGETHER 56 CHAPTER 18 - ORGANIZING YOUR INFORMATION 56 CHAPTER 19 - MOCK INTERVIEWS AND PREPARATION FOR MEETINGS WITH LENDERS 59 KNOW YOUR LENDER! 61 CHAPTER 20 - THE BANKING ENVIRONMENT AND HOW IT BENEFITS YOU 61 CHAPTER 21 - WHAT LENDERS EXPECT 62 CHAPTER 22 - LENDER'S PET PEEVES: SITUATIONS TO AVOID 64 CHAPTER 23 - HELP LENDERS UNDERSTAND YOUR INDUSTRY AND MAKE THEM MORE COMFORTABLE WITH YOUR LOAN REQUEST 67 CHAPTER 24 - LENDERS' PERSONALITIES 69 CHAPTER 25 - HOW LENDERS REVIEW YOUR LOAN REQUEST AND WHAT IT MEANS TO YOU 71 FINDING A LENDER 74 CHAPTER 26 - ASSESSING YOUR CHANCES OF GETTING A LOAN 74 CHAPTER 27 - CHOICE OF LENDERS AND CREDIT PRODUCTS 78 CHAPTER 28 - LOANS FROM RELATIVES, FRIENDS, AND OTHER PRIVATE INDIVIDUALS 81 CHAPTER 29 - PRE-INTERVIEWS OF LENDERS 86 CHAPTER 30 - CHOOSING AND APPLYING 88 MORE USEFUL INFORMATION 90 CHAPTER 31 - BEING HONEST WITH LENDERS IN GOOD TIMES AND IN BAD TIMES; PROS AND CONS 90 CHAPTER 32 - MANAGING YOUR SATISFACTION WITH LENDERS 93 CHAPTER 33 - NEGOTIATING PRICING 95 CHAPTER 34 - OTHER VALUABLE POINTS 97 APPENDICES 100 APPENDIX 1 100 CONVERTING YOUR BUSINESS AND PERSONAL GOALS INTO THE LANGUAGE LENDERS WILL UNDERSTAND AND APPRECIATE 100 APPENDIX 2 102 A POSSIBLE INCOME STATEMENT FORMAT 102 APPENDIX 3 103 STATEMENT OF CASH FLOWS 103 CASH FLOW FROM OPERATING ACTIVITIES: 103 APPENDIX 4 104 (SPREADS OR SUMMARY OF THE APPLICANT'S INCOME STATEMENT AND BALANCE SHEET) 104 HISTORICAL INCOME STATEMENT OF RESTAURANT X 104 HISTORICAL BALANCE SHEET OF RESTAURANT X 105 APPENDIX 5 106 AN APPROACH TO ESTIMATING YOUR BUSINESS' ABILITY TO MAKE LOAN PAYMENTS 106
Library of Congress Subject Headings for this publication:
Small business -- Finance -- Handbooks, manuals, etc.
Small business -- United States -- Finance.