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Loan Sharp: Get the business finance you deserve Paperback – 25 May 2010

4.9 out of 5 stars 18 customer reviews

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Product details

  • 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)
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Product description

Review

"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)

Review

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)

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Top Customer Reviews

Format: Paperback
Loan Sharp is an excellent book from Rob Warlow packed with practical tips on how you can get the business finance you need.

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
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Format: Paperback
Rob Warlow changed from Banker to Business adviser and has come up with a real winner. Other books will tell you about the finacial aspects and often in a dry tone. This book is different. Written in easy to read and understand language every page is packed with tips and tricks. So dip in but to really achieve the best outcome for your business if you need a bank loan then you need to make this bedtime reading. The book prepares you both mentally and physically talking about both balance sheets and body language so you are in the best position. Some bank managers will hate this book because it will take the mystery that many of us still perceive in a visit to the bank, others will realise it makes their job easier. Its like Marmite! I urge you to order today and plan expansion tomorrow. This will be a top investment that and bring you a high dividend.
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Format: Paperback
Loan Sharp - a book that should be added to every UK small business owners operating tool kit. Not only full of practical yet comprehensive tips on how to prepare and succeed in getting the business finance you deserve but written by an expert who has been willing to share from his experiential learning.

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.
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Format: Paperback
This book tackles the tricky issue of getting finance in these difficult times. It is not so much that the cash is not available it is more the case that you need to prove that you deserve to be helped. This is where this book is so useful, it guides you through the expectations in a clear way in an easy to read style. I particularly like the "Oh no, he wants a business plan" which made me smile at the sheer panic this envokes in borrowers, but the book guides you through this very tricky topic and more.

If you are serious about raising the finance you need for a new business, this book will be of benefit.
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Format: Paperback
The first thing we should say is that if you are a UK small business owner, you should recognise the need to collect a number of key publications that can act as manuals and guides your business; Loan Sharp is one of those books.

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.
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Format: Paperback
Loan Sharp is a must read for all small business owners irrespective of whether additional finance is being sought in the short term.

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.
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