How To Get Bank Loan for Business
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Everyone will have dream to become Entrepreneur. Why? The kind of wealth it would bring would be phenomenal. But the path for becoming Successful Entrepreneur is not that simple. Even if you have Dream, Courage, Conviction, Clarity, Etc, On your business plans the dream may not become reality if funds are not available. Hence funds plays a very crucial role is converting the Entrepreneurship dream into reality.
Again the questions is who is going to give funds?
Is it friends, relatives, Money lenders, Bankers, Venture Capitalists, PE?
Given all the options, the best one would be to go for Bank Loan because of its inherent benefits and safety aspects.
But how to get Bank Loan?
That too, if you are first generation Entrepreneur.
This Course will take you through in stages on Expectations of bankers when Entrepreneurs approaches them for Bank Loans.
This Course will Explain the Basic Documents which every Entrepreneurs should have before approaching the bank for Business Loan.
This Course will explain how project funding should be structured to make it Bankable.
This course will explain What is Project Viability and how entrepreneurs should visualize Viability as well Sensitivity Risks in the Business.
This Course will explain the Jargous adopted by the Bankers and rationale behind various inquiries made by the bankers.
In Summary, this course will enable the Entrepreneurs to put themselves into the shoes of Bankers, so that when they approach the bank for Business Loan, they will have utmost clarity in interactions and high level of assurance for Sanctions.
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|Section 1: Introduction to Business Loans|
Introduction How to get Bank Loan for BusinessPreview
When do they Expect Information
Why Past Loans Matter
|Section 2: Types of Bank Loans for Business|
Types of Bank Loans for BusinessPreview
Bank Loans for New Projects
|Section 3: Project Viability|
What is Project ViabilityPreview
Project Viability - Case Study
|Section 4: Break Even Analysis|
Break Even AnalysisPreview
Break Even Point Example
Break Even Point Graph
|Section 5: Term Loan Appraisal by Banks|
Term Loan Appraisal By BanksPreview
Term Loan - Nature of Project
Cost of Project and Means of Finance
|Section 6: Business Financing Decisions|
Business Financing DecisionsPreview
Debt Vs Equity Financing
Good Time and Bad Time for Debt Equity Financing
Understanding Equity Funding in Projects
|Section 7: Loans under Banking Channel|
Loans available in banking channelPreview
Working Capital Loans
Working Capital Cycle
Understanding Cash Credit
Cash Credit Example
Letter of Credit
Types of Bank Guarantees
|Section 8: Project Report|
Basics of Project ReportPreview
Project Report - Structure
Promoters & Management
|Section 9: Cost of Project|
Cost of ProjectPreview
Plant and Machinery Cost
Preliminary and Preoperative Expenses
Other Cost and Interest duirng Implementation
Provision for Contingency
|Section 10: Bankers Area Analysis|
Why Credit Analysis RequiredPreview
Know Your Customers
Know Customer Integrity
Know Performance Efficiency
Know Financial Position and Ability to Pay Back -1
Know about Industry
Legal and Valuation of Securities
Break Even Test by Bankers
Cash Break Even Analysis
Credit Rating Scale
Importance of Credit Rating
Bonus Lecture - Discount Coupon Links for other Courses
I am a practicing Chartered Accountant with tonnes of passion for teaching.
I teach Financial Management & Strategic Financial Management for Chartered Accountancy, Cost and Management Accountancy and Company Secretary students in Ernakulam, India. I also hold Post Graduate Diploma in Business Administration in Finance from Symbiosis, Pune and Bachelors in Commerce, from Loyola College, Chennai.
I worked in State Bank of India as Assistant Vice President - Credit for a period of four years after which i started my Chartered Accountancy Practice. During the stint in State Bank of India, I worked on credit proposals of Mid Corporate Units and gained good experience in Financial Analysis, Risk Assessment, Viability Study, Evaluating business models, Project Finance, Working Capital Management, etc.
I conduct work shops for Entrepreneurs, Chartered Accountancy / Cost and Management Accountancy Students on the topics like Project Finance, Credit Risk Assessment, Entrepreneurship Development, Finance for Non Finance Executives, etc.
I love teaching and i want fundamentals of accounting and finance to reach students and so i am here.