- Paperback: 256 pages
- Publisher: Ecademy Press (25 May 2010)
- Language: English
- ISBN-10: 1905823770
- ISBN-13: 978-1905823772
- Product Dimensions: 15.5 x 1.5 x 24 cm
- Average Customer Review: 4.9 out of 5 stars See all reviews (18 customer reviews)
- Amazon Bestsellers Rank: 1,575,279 in Books (See Top 100 in Books)
- See Complete Table of Contents
Loan Sharp: Get the business finance you deserve Paperback – 25 May 2010
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"When it comes to dealing with your banker, you can put your head in the sand and pretend they don't exist or you can try and understand what it is that the banker wants and is looking for. This book helps you give the banker what they want so you get what you want." --ROBERT CRAVEN, Author of Bright Marketing and Kick-Start Your Business
"If you are a small business owner then this book is invaluable in helping you deal with the ever-changing world of the banks. This book would have made the whole process of borrowing money easier when I started my business and would have saved many a sleepless night! Highly recommended" --LUCY COHEN, Co-Founder and Commercial Director of Mazuma Young Entrepreneur of the Year - Chamber of Commerce Awards 2009 PQ Magazine's Accountancy Personality of the Year 2009 Shell Livewire Young Entrepreneur of the Year 2007 (Wales)
When it comes to dealing with your banker, you can put your head in the sand and pretend they don't exist or you can try and understand what it is that the banker wants and is looking for. This book helps you give the banker what they want so you get what you want. (Robert Craven, Author of Bright Marketing and Kick-Start Your Business)
If you are a small business owner then this book is invaluable in helping you deal with the ever-changing world of the banks. This book would have made the whole process of borrowing money easier when I started my business and would have saved many a sleepless night! Highly recommended. (Lucy Cohen, Co-Founder and Commercial Director of Mazuma)
Top Customer Reviews
What makes the book so special is that the author takes you into the world of the small business banker so you can see how and why they make the decisions they do.
Loan Sharp has a detailed look at the banker's acronym CAMPARI which explains how your loan will be assessed (Character, Ability, Margin, Purpose, Amount, Repayment, Insurance). It's not the only method used but it does shine the spotlight on the issues relevant to the bank which you need to answer.
Armed with this information, you know what you need to do to get your bank to say Yes to your loan or overdraft application.
This book is highly recommended for any small business owner or want to be small business owner who needs to borrow money.
I aim to be a tough reviewer because the main cost of a book is not the money to buy it but the time needed to read it and absorb the key messages. 5 stars means that I think that overall it has some vital messages in it.
Paul Simister, business coach
Rob Warlow has succeeded in "keeping it simple" which is a monumental task when addressing the subject of finance in business. His book underpins the realisation that relationship building with your banker is a key component of business management.
If you are serious about raising the finance you need for a new business, this book will be of benefit.
Rob Warlow brings many years of small and medium size business banking experience, a great deal of common sense, and a healthy sense of humour to what is a dry subject. Loan Sharp addresses how to go about raising finance for your small business. We particularly like the tag line `Get the business finance you deserve'. Rob is upfront and saying that taking a loan from a bank should be your funding choice of last resort. He takes you through the alternative sources of finance your business from angel investors to family members to your savings, ending up with what you need to do if the bank is your choice.
What is stressed throughout are two critical areas that will require your attention that may not be as obvious in seeking a loan, as you would suppose. These are good preparation, and good communication. Most people would suppose that the filling in of a form to apply for a business loan from a bank is the process. But the preparation in having a business plan, practised pitch, and good presentation are critical, as is establishing a relationship with the bank prior to meeting with the bank manager.
The book has an excellent section on understanding your own financials, which is a good education for anyone without accountancy qualifications, and it has been made easy to understand. The last detailed section of the book deals with the way that your loan application will be assessed, considered, and decided on.Read more ›
Rob Warlow uses all his twenty five years' experience in banking in the UK and Africa to give sound advice on what a bank manager is looking for and how to "get the business finance you deserve".
Rob has an easy to read writing style that takes the reader through the pros and cons of a variety of finance options. He explains the bank credit assessment framework, and the acronyms used in the banking world, so that the reader can talk the same language as bank managers.
Loan Sharp gives advice on the basic information that all small businesses should have; a good business plan and financial statements (Profit and Loss, Balance Sheet and Cashflow), the benefits of having regular management accounts, and where to get help if needed.
Finally for business that are looking for finance it gives practical tips on how to set up and approach the meeting with the bank manager, and even what to wear, what to say and how to say it! Loan Sharp covers everything that a small business manager needs to know about raising finance.
Most Recent Customer Reviews
I found Rob's book very engaging and easy to read. I have run a business for 20 years and thought I knew most of this stuff but persevered, reading the whole thing from cover to... Read morePublished on 2 Oct. 2013 by Kevin
This book does a great job of helping the reader understand why raising finance from the bank has become much more challenging over the recent years. Read morePublished on 12 Sept. 2012 by Thomas
Have you ever had a fantastic new idea for a business venture but don't where to find the start up capital so have had to shelf your enthusiasm? Read morePublished on 24 Mar. 2012 by Living a Laptop Lifestyle
Let's face it, we've all got amazing businesses but it's not your bank manager's job to know that. Loan Sharp gives you pocket size guidance to win your bank over and make your... Read morePublished on 13 Feb. 2012 by Mr. E. R. Barnett
An easy to read guide on the fundamentals required to obtain finance from banks. Rob Warlow has used his 25 years banking experience to provide sound advice and give practical tips... Read morePublished on 14 Nov. 2011 by JodieMayDavies
I'm no stranger to business or finance, but I've been involved in a project that required a complete review of all bank finance options as well as an understanding (in some detail)... Read morePublished on 9 Sept. 2011 by Colin @ Incubation
This book is astonishing! If you are a small business owner with huge ideas, seeing the horizon other don't see and a great future in front of you but feel limited by... Read morePublished on 27 Jun. 2011 by Piotr Mazurkiewicz
As the saying goes, "Fail to prepare - prepare to fail!" I found "Loan Sharp" to be very informative and full of sound ideas on how to prepare for securing finance for a business... Read morePublished on 22 May 2011 by Lyndon Ketchen
In his concluding chapter Rob Warlow says that, "I have shown you the way to get inside the Bank Manager's mind". He's right. That's exactly what he achieves with this book. Read morePublished on 3 Mar. 2011 by Stuart Warner
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