LEADER 05262nam 2200625 450 001 9910818866403321 005 20200520144314.0 010 $a0-12-801806-2 035 $a(CKB)2670000000576259 035 $a(EBL)1840495 035 $a(SSID)ssj0001413211 035 $a(PQKBManifestationID)11915003 035 $a(PQKBTitleCode)TC0001413211 035 $a(PQKBWorkID)11416178 035 $a(PQKB)10657959 035 $a(Au-PeEL)EBL1840495 035 $a(CaPaEBR)ebr10986761 035 $a(CaONFJC)MIL661818 035 $a(OCoLC)897881102 035 $a(CaSebORM)9780128016985 035 $a(MiAaPQ)EBC1840495 035 $a(EXLCZ)992670000000576259 100 $a20141128h20152015 uy 0 101 0 $aeng 135 $aur|n|---||||| 181 $ctxt 182 $cc 183 $acr 200 10$aNavigating the business loan $eguidelines for financiers, small-business owners, and entrepreneurs /$fMorton Glantz 205 $a1st edition 210 1$aLondon :$cAcademic Press,$d2015. 210 4$dİ2015 215 $a1 online resource (213 p.) 300 $aDescription based upon print version of record. 311 $a0-12-801698-1 311 $a1-322-30536-6 320 $aIncludes bibliographical references and index. 327 $aCover; Title Page; Copyright Page; Dedication; Table of contents; Foreword; Chapter 1 - Business Structures and Funding Sources; Short review of business structures; Selecting a financing source; What to consider before you apply; Review Credit Reports; Prepare a SWOT Matrix; Check for Red Flags; Documentation generally required for a small business loan application; Chapter 2 - How Banks Evaluate Your Loan Application; Primary evaluation; Business Operations; Company Attributes; Industry Attributes; Management; Bank Relationship; Financial Reporting; Analytic Evaluation; Intention (Purpose) 327 $aRepaymentSafeguards; Collateral; Guarantees; Loan Covenants; Perspective: how lenders put it all together; First Stage: Risk Versus Rewards Analysis; Second Stage: Acknowledging the Customer's Strategic Agenda; Third Stage: Satisfy the Lender's Agenda; Chapter 3 - Is Your Financial Information Accurate and Reliable?; The auditor's role; How accountants record transaction data; Historical Cost; Accounting Standards as Applied to Revenue Realization; The Matching Principle; Consistency; Disclosure; Objectivity; The significance of footnotes; Accounting for contingencies 327 $aClassification of ContingenciesProduct Warranties or Defects; Litigation Contingencies; Environmental Contingencies; Risk of Catastrophic Losses; Direct and Indirect Guarantees; Financial instruments with off balance sheet risk; Asset Securitization; Futures Contracts; Pensions; Discretionary Items; Research and Development; Two significant auditing storm signals; Changing Auditors; Creative Accounting; Chapter 4 - Ratios Every Business Should Monitor; What are ratios?; Peer Group or Industry Comparisons; Ratio Trends; Ratio Workshop; Jones Designs, Inc.; Liquidity Ratios; Current Ratio 327 $aQuick Ratio (Also Known As Acid Test)Net Working Capital; Activity or Turnover Ratios; Average Collection Period; Bad Debt Expense/Sales; Inventory Turnover; The Fixed Asset Turnover; Working Capital Turnover; Total Asset Turnover; Average Settlement Period or Accounts Payable Turnover; Profitability Ratios; The Gross Profit Margin; Selling General and Administration Expenses/Sales; Effective Tax Rate; The Net Margin; Return on Net Worth; Return on Total Assets; Dividend Payout Ratio; Financial Leverage Ratios; Debt-to-Equity and Debt-to-Total Assets Ratios; Times Interest Earned 327 $aThe Fixed Payment Coverage RatioDebt Affordability Ratio; Cash Flow Coverage2; Growth Ratios; Sales Growth Rate; Profit Growth Rate; Sources of comparative ratios; Chapter 5 - Financing Your Season; Examples of seasonal businesses; How a successful seasonal cycle works; Unsuccessful seasonal cycles; Examples of successful seasonal cycles; Seasonal lending analysis; Preparing a cash budget (refer to Acme's cash budget)1; Exercise: preparing a cash budget; Interim seasonal ratio analysis; (Cash + Accounts Receivable)/(Short-Term Bank Debt + Trade Payables) 327 $aReturns Allowances and Discounts/Gross Sales 330 $a 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 eq 606 $aCommercial loans 615 0$aCommercial loans. 676 $a332.12068 700 $aGlantz$b Morton$0151559 801 0$bMiAaPQ 801 1$bMiAaPQ 801 2$bMiAaPQ 906 $aBOOK 912 $a9910818866403321 996 $aNavigating the business loan$94001657 997 $aUNINA