Tried for a loan of business of the bank, lately?

If you have tried to lately secure a loan of the bank for his business, you know that is not ninguÌ slam-dunk. The promos for the loans of VAS and the loans for the minority or the women owned the sounds of the great businesses, but when you obtain the nose-to-nose with a banker he is another history.

Some of the reasons that do that it seems so difficult they are that many officials of loans feel that you are loans your money instead of banco' S. Take the almost personal responsibility to maximize the reimbursement.

Another one is that he particularly is suspected new companies. Since 4 outside fall of 5 or 80% within the first three years, many moneylenders require a history of three years to make business.

Past, with all the combination and acquisitions of the bank that have happened the procedure of decision making has been far off-site moved of the local branch. To add all these reasons for above, and you must be preparation razzle-for dazzling to the banker.

Here they are some extremities to make him loans more attractive to the bank. First, beginning with a bipartite presentation. To initially put under a brief description of its request of the loan. In this description to include:

• Extracts of its enterprise plan on its concept of the business, directive equipment, and financial projections.
• Descriptions of the history of credit of the main ones of its business.
• The answers of the writing to sharpen the questions of the moneylender of how much you will need, how you will use it to you, and how will restitute you it?

This one must be a document of page two to three and a qualifier can be considered mutual. It determines if the bank has alguÌ  n interest in the loans you them bottoms before you rotate his wheels per hours in front of the loan official. You can want to finish the document with his telephone number so that the banker can behind request an appointment or a discussion to him.

If you have dazzled to loan official sufficiently and has obtained an appointment to find it with, later it is hour to prepare the “great arms”. The ammunition that you will come preparation with will be three years of declarations of taxes personal for all the main ones of its company and the existing business. To include the credit information on all the main ones, a complete and impressive enterprise plan, and information of the collateral and the capitalization.

This it sounds as much information and it will require immense effort, but that one is because the property of the business is not for each.

Besides the preparation with all which the red tape is prepared for any question without sense the moneylender could send in you. To take the time to think around and to originate a second advertizing announcement 30 on which you glide in doing and how he will benefit them and to the business.

To prepare itself to far explain any defect of the credit that appears in the credit information before the banker has an opportunity to worry about them. To be certainly you can demonstrate “to movements of cash” the understanding and the knowledge, without which ninguÌ condemns  n business. To draw up to its considered balance more realist of the flow of liquidity and banking account. To make sure that the banking balance never goes negative, and for a good demonstration of the tact the reimbursement of loan like separated line article. This demonstrates to banker who you understand priorities.

The collateral can be necessary to satisfy the anguish with the moneylender on the reimbursement of the loan, and unfortunately the majority of the small companies has too many few assets to satisfy this necessity. They force many industralists to promise to personal assets such as its home to alleviate the bank. This can seem easily frightened, and is, unless you are really safe of your success.

It sounds like a task of enormous proportions, but with certain preparation and determination it can be done. It is not as easy as all the announcements that you have heard, and the fact that you are beginning an owned business “woman” will not hardly cut ice with a banker, but all the life is a game is not he?

After all, that one is because you are industralist instead of a corporative footman is not he? TO GO FOR GOLD!