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To the Reader | |
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Be Prepared to Be Prepared: Before Seeking Financing | |
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Organize Your Information Needs | |
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Get a Certified Public Accountant to Set Up Your Books | |
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Key Steps to Obtain Financing | |
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What Do Bankers Want? | |
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What Do Potential Investors Want? | |
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The Financial Statements: Income Statement, Balance Sheet, Statement of Cash Flows | |
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The Three Basic Financial Statements | |
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Where Do the Numbers Come From? | |
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Accrual Accounting vs. Cash Accounting | |
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The Balance Sheet or Statement of Position | |
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The Income Statement or Profit & Loss | |
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Statement of Cash Flows | |
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How the Financial Statements Interact | |
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Reading and Analyzing Financial Statements: Ratios, Comparisons, Common-Sizing, and More | |
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What is Financial Analysis? | |
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The Importance of Context | |
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Basic Financial Analysis Tools | |
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Trend Analysis | |
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Ratio Analysis | |
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Reading and Writing Footnotes | |
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Using the Financials to Manage Your Business: Forecasts, Budgets, Pro Formas, and More | |
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Setting the Context: Part One of the Business Plan | |
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Forecasting: Current and Anticipated Conditions | |
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Sales and Expense Forecasting | |
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The Pro Forma P&L | |
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The Pro Forma Cash Flow | |
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The Budget and Beyond: Part Two of the Business Plan | |
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Managing by and to the Budget: Deviation Analysis | |
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Controlling Inventory and Receivables | |
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Digression on Credit and Collections | |
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Using the Financials to Finance Your Business: How To Secure the Right Bank Financing at the Right Time for Your Business | |
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Startup Financing: A Special Case | |
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Determine How Much You Need | |
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Credit, Capital, or a Mix? | |
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Where to Find Capital | |
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Debt Management and Financing | |
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Types of Bank Loans | |
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What Do Bankers Look For? | |
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Resources: What Other Investors Look for in a Financing Proposal | |
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What Do Investors Look For? | |
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Lists of Investors and Their Requirements-and Costs | |
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Institutional Venture Investors | |
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IPOs, Reverse Mergers, and Other Exotica | |
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Conclusion | |
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Glossary | |
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Index | |