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Capital Acquisition: Small Business Considerations for How to Get Financing

Book by Hendrith Vanlon Smith Jr · 4 quotes · Lending, Business Loans, Hendrith Smith

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Capital Acquisition: Small Business Considerations for How to Get Financing Quotes

“A persons trustworthiness in one area of life may not necessarily transfer over to their trustworthiness as a borrower. And a business that can be trusted to do the right thing for its customers may not necessarily be a business that can be trusted to do the right thing for its creditors.”

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Book:Capital Acquisition: Small Business Considerations for How to Get Financing
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“The infamous Debt-To-Income ratio is the standard formula most lenders use to determine a potential borrowers capacity. Lenders calculate this by adding up a borrower’s total monthly debt payments and dividing that by the borrowers gross monthly income.”

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“It’s ironic perhaps – but no one wants to lend money to someone or something that has no money or no monetary worth. You wouldn’t plant a seed on barren ground – you plant a seed where there’s already a wealth of resources sufficient to cultivate the seed. It could be a tiny bit of soil in a pot, or the expanse of your front yard. But you’re going to make sure the seed has enough soil to put down roots and a quality of soil that facilitates growth.”

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Book:Capital Acquisition: Small Business Considerations for How to Get Financing
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