Navigating the Business Loan
Guidelines for Financiers, Small-Business Owners, and Entrepreneurs

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?

Its novel comparable, non-technical style make this book a welcome addition to any business library. Navigating the Business Loan serves undergraduate institutions offering courses in entrepreneurship and credit management, graduate students, professionals working in financial institutions, and venture capitalists and general investors. Finally to my community banker friends and to readers running their own shops: entrepreneurships, small to midsized businesses - , I have only this to add: this book was inspired and written especially for you.

As a JP Morgan Chase (heritage bank) senior banker, Professor Glantz built a progressive career path specializing in credit analysis and credit risk management, risk grading systems, valuation models, and professional training. He was instrumental in the reorganization and development of the credit analysis module of the Bank’s Management Training Program-Finance, which at the time was recognized as one of the foremost training programs in the banking industry.

Professor Glantz is on the (adjunct) finance faculty of the Fordham Graduate School of Business. He has appeared in the Harvard University International Directory of Business and Management Scholars and Research, and has earned Fordham University Deans Award for Faculty Excellence on three occasions. He is a Board Member of the International Standards Board, International Institute of Professional Education and Research (IIPER). The IIPER is a global institute with partners and offices around the world, including the United States, Switzerland, Hong Kong, Mexico, Portugal, Singapore, Nigeria, and Malaysia. Professor Glantz is widely published in financial journals and has authored 8 books.

• Introduces ways to define and manage risk
• Uses case studies and online tools to extend and apply credit analysis and business management tools
• Surveys "hard" and "soft" data and ways they help lenders, other financiers, small-business owners, and entrepreneurs spot potential problems, write optimal business plans, and deliver effective loan or /investor geared presentations