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Business Banking

Overview

A summary of how small-to-medium-size businesses fulfill their banking needs. Topics include understanding business loans and their details, account analysis, evaluating a bank's services and how they fit specific business needs, a list of internet resources, and much more. Titles in Barron's Business Library series are currently being revised and updated, and re-set in an attractive new paperback format. They are written especially for men and women starting a company or managing a small-to-medium-size business....

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Overview

A summary of how small-to-medium-size businesses fulfill their banking needs. Topics include understanding business loans and their details, account analysis, evaluating a bank's services and how they fit specific business needs, a list of internet resources, and much more. Titles in Barron's Business Library series are currently being revised and updated, and re-set in an attractive new paperback format. They are written especially for men and women starting a company or managing a small-to-medium-size business. Emphasis is on practical problem solving, and examples cited in these books are based on realistic business situations.

Here is an inside look at the mechanics of banking for the business person who deals with banks on a regular basis. The many-faceted role of banks is explained, primarily as it relates to small and medium-sized misunesses. Attention is given to matters such as business loans, international banking, account analysis, evaluating a bank's health, how banks analyze financial statements, and much more.

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Editorial Reviews

Booknews
This is a clearly written and well-organized little book on everything the entrepreneur and small business owner need to know about banking. The authors provide information on how to select a bank and evaluate its financial health; they review bank services such as deposit accounts, cash management and trust services; they review the steps in presenting a loan request; and present the common types of loans, recent enhancements to the Small Business Administration's guaranteed loan program, and options when it's time to change banks. An Internet resource directory and list of reference works are included. Annotation c. Book News, Inc., Portland, OR (booknews.com)
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Product Details

  • ISBN-13: 9780764113987
  • Publisher: Barron's Educational Series, Incorporated
  • Publication date: 1/1/1901
  • Series: Business Library Series
  • Edition description: 2ND
  • Edition number: 2
  • Pages: 217
  • Product dimensions: 5.03 (w) x 7.37 (h) x 0.56 (d)

Table of Contents

Preface to the Second Edition iv
1 About This Book 1
2 How Banks Work 7
3 Choosing the Right Bank 17
4 Evaluating Your Bank's Health 25
5 Deposit Accounts, Balances, and Account Analysis 35
6 Cash Management 49
7 Trust Services 63
8 International Banking 71
9 Presenting Your Loan Request 85
10 How Do You Look to Your Banker? 89
11 Picking the Right Loan Officer 97
12 The Philosophy of Lending 103
13 The Loan Side of the Bank 113
14 Loans and Lines of Credit 119
15 Collateral, Guarantees, and Personal Statements 135
16 Financial Statements: The Balance Sheet 149
17 Financial Statements: The P&L and the Ratios 159
18 When Your Loan Request Is Turned Down 173
19 When to Change Banks 179
Appendix 183
Sample Loan Forms 183
Glossary 203
Internet Resources 207
Selected Further Reading 209
Index 211
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Preface

This book is written for entrepreneurs and small business owners who maintain checking or investment accounts with a commercial bank or thrift institution or who look to their bank as a source of financing. Small businesses represent about 95 percent of the businesses operating in the United States, which have many varied banking needs. Business owners have often turned to community-based financial institutions for the convenience, personal service, and access to financing they offer business customers. Throughout this book we use the term "bank" in discussing services available. What is said about banks can also apply to thrift institutions (savings and loans and savings banks). Thrifts in many states also service business checking accounts and underwrite commercial loans.

The business of banking has gone through many changes, mostly for the better, over the last ten years. The banking industry as a whole is healthier and in better financial condition than during the "credit crunch" of 1990-91, when banks across the United States sharply curtailed their lending activities in the face of an economic recession and a pile of deteriorating loans secured by real estate. Banks learned their lessons from that period, and today they are more inclined to look to a borrower's cash flow from business operations than collateral as the source of loan repayment. The deposit insurance system has been strengthened and the cost of insurance is tied to financial risk; better capitalized banks pay a lower cost of deposit insurance than weak banks. Bank customers now have access to more information about their bank's financial condition, which is accessible on the Internet from banking regulators and other sources, so they can more easily pick the bank best matching their needs.

The first several chapters in this updated edition discuss how to select a bank and evaluate your bank's financial health. Also reviewed are important bank services, such as deposit accounts, cash management, and trust services. The next several chapters (chapters 9 through 18) review the steps in presenting a loan request, from initial contact with your loan account officer to common types of loans, including recent enhancements to the Small Business Administration guaranteed loan program. The final chapter discusses options when it's time to change banks. Included in the appendix of this book are two new directories, an Internet Resource directory and a listing of related books and sources of information for further reading.

Thomas P. Fitch

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