资金适配：2如何可存入银行
When entrepreneurs are looking to fund their startup,generally they first think of raising money from investors.但是，according tothe Kauffman Foundation,“在新成立的企业中，大约40%的初始创业资本是来自银行的债务。“林赛·布拉基，副总裁，Business Development Sales Manager,还有迈克尔·迪西奥，副总裁，Business Banking Sales Manager,两个公民银行，shared their insights with us in How 2 Be Bankable in 2019.
So,银行放贷时要寻找什么？
How will you pay backthe loan?你什么时候还贷款？
In determining how and when you will pay back the loan,Bankswill将研究业务的定性和定量方面。我只是考虑一下，banks will evaluate your financials,现金流和信贷额度。It will also evaluate your management team,financial andoperational management of the business,继任规划，以及行业趋势。
An often overlooked contributing factor is your bankingrelationship.Lindsay and Michael encourage entrepreneurs to build a bankingrelationship early on,在你申请贷款之前。Be sure to keepyour banker apprised of your financials and your progress.
Why do you need themoney?
第一，银行会评估你的借贷原因，并询问你的业务中没有足够的现金来满足你的需求。Acceptablereasons to borrow money include rapid growth,seasonality,A/R循环，采购存货，and expansion.不可接受的原因包括收入下降、分配过多，负留存收益，营业额也不高。其次，他们会考虑是否可以为您的要求贷款。最后，theywill look at your industry.Industries that are low risk with known revenuemodels and strong reputations are preferred.
你是什么称呼？
There are numerous types of assets that can act as collateral.Short term assets can include accounts receivable and inventory and long term assets can include vehicles,machinery and equipment,和建筑物。充足的抵押品被认为是企业资产的1:1比率。Ultimately,banks are looking for strong collateral,低风险。
有关于商业银行业务的问题吗？退房公民银行的商业银行业务，and explore its业务资源.
有兴趣了解更多关于如何2个星期二？Follow #How2Tuesdays on Instagram and Twitter.