What To Consider Before Approaching Lenders Dealing with a bank doesn't have to be like walking through a maze in the dark. Keeping the following points in mind when you approach a bank should help you through the process.
Lenders are looking to satisfy themselves of the following:
1. That the business can make the regular interest and principal payments
2. That the lender can get its money back if something goes wrong
When approaching a financial institution, you are effectively selling the merits of your business and your proposal. Consider the needs of the lender, if you were lending money to someone what would you ask for?
Be prepared to answer questions about your industry, your company, your management, the principals of the company and the financial statements.
If you are looking to finance property or used equipment, you will most likely need an appraisal.
In today's environment, an environmental study may be required on commercial real estate.
Lenders will look at the ability to service debt. You will need to show an ability to service the debt plus a sufficient surplus to cover any contingencies, such as unexpected costs or a drop in sales. Use 1.4 times coverage as a guide; both historical financial statements and a cash flow forecast and projected income statement will show this.
The bank will want to make sure that existing debt, or the addition of new debt, will not bring the Debt/Tangible Net Worth ratio of the company too high. What figure is used depends on the industry you Details...
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