Table of contents for Loan financing guide for small business owners / by Neil Berdiev.

Bibliographic record and links to related information available from the Library of Congress catalog.

Note: Contents data are machine generated based on pre-publication provided by the publisher. Contents may have variations from the printed book or be incomplete or contain other coding.


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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.