A Guide to SME Financing by David Munro (auth.)

By David Munro (auth.)

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1057/9781137373786  A Guide to SME Financing can be appended to the Call Report written at completion of the site visit. 3 Investment by Proprietors Banks are in the business to make loans, not take equity positions in firms. It is absolutely essential that the applicant have adequate capital and that the business retain earnings to increase its capital base. The leverage requirement is vital in this regard. Leverage describes the relationship between a firm’s own funds—its capital—and debt or borrowed funds.

Luckily, most firms do not operate in such a challenging, or should we say lethal, business environment. In addition to demonstrating its survival potential, the one-year track record, in general, gives an enterprise a chance to weather both seasonal highs and lows, a not-inconsiderable feat of inventory and production management (in the case of manufacturing enterprises). In the event that the bank feels that in a given case one year is not sufficient, a further period can always be decreed—six or twelve additional months of operations and a promise to review the enterprise’s status at that juncture.

1057/9781137373786   , , = Liabilities + Owner’s Equity | | | | | | | | | Bank Loan Accounts Payable Other Current Liab. Current Liabilities Other Liabilities Total Liabilities , Owner’s Equity Total Liab. + O/E ,   ,  , ,  A Guide to SME Financing Remember that our initial simple balance sheet had no Accounts Receivable or Accounts Payable. In the event you are projecting A/R and A/P, the same calculations as those used for Inventory are employed. See Key Ratios above.

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