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Navigating the Business Loan
Guidelines for Financiers, Small-Business Owners, and Entrepreneurs
Explores risk-measuring tools for judging a borrower’s credit quality
Morton Glantz (Author)
9780128016985, Elsevier Science
Paperback, published 18 November 2014
172 pages
22.9 x 15.1 x 1.2 cm, 0.28 kg
"...talks about the worth of a business, whether one is seeking finance, acquiring or investing in the business...has an international appeal and will be useful for any financier, small business owner or entrepreneur from a developed, developing or underdeveloped economy." --The IUP Journal of Entrepreneurship Development "Overall, the book has an international appeal and will be useful for any financier, small business owner or entrepreneur from a developed, developing or underdeveloped economy." --The IUP Journal of Entrepreneurship Development
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.
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?
Subject Areas: Budgeting & financial management [KJMV1], Entrepreneurship [KJH], Credit & credit institutions [KFFL], Banking [KFFK], Corporate finance [KFFH]
