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At least at the beginning of your relationship, your bank needs a well-thought-out business plan that includes a pro-forma balance sheet (or an actual balance sheet) and existing and projected P&L statements, ideally for the previous two years, as well as the current projected year In anything but the smallest of consulting firms, your accountant, or accounting staff, will help you prepare these financial statements Your firm s fiscal year need not coincide with the actual calendar year, and that is a decision your firm s founders will normally make early in the firm s history The reasons vary with the rules in the country in which you reside Your bank is often the appropriate source of funding for safe, secure, and routine investments in your business, where both you and the bank manager (or loan staff) understand the situation from quarter to quarter An operating loan, or line of credit, secured by liquid assets, such as securities or other deposits Mortgages to acquire such assets as land or buildings that normally have a predictable lifecycle and resale value, and where the asset itself serves as security against the loan A general, or term, loan that is secured by the residual value of assets and equipment that you buy A mortgage, or chattel, loan secured against such movable assets as a fleet of trucks, or office furniture Lenders other than your day-to-day bank are usually more appropriate (depending on the acts that govern banking in your country) for such purposes as inventory financing, leasing, other types of debt, and equity issues

scenarios you can choose from, as outlined in Table 7-2 Figure 7-13 shows your choices when you have bids

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Historical financial statements (ie, three to five years): Cash flow statement Income statement Balance sheet Pro formas (ie, three to five years) Financial projections (as described previously) should be provided under three scenarios best, worst, and most-likely cases where each scenario is based upon a different set of assumptions For example, the worst-case scenario may assume no growth from Year 1 to Year 2, the best-case scenario may assume 5 percent growth, and the most-likely-case scenario may assume a 2 percent growth rate A summary of the assumptions should also be provided Detailed description of banking relationships for business accounts and payroll The terms and rates of loans and their amortization period The proposed financing plan, including: The amount being requested Sources and uses of funds [Note: This information is important for several reasons First, financiers need to know how their funds are going to be used Second, identifying other investors who are willing to provide you with resources (sources) will encourage potential investors to make a similar commitment people find it easier to invest once they know that others have already done so Third, value-added investors may be able to help you find alternative ways of getting resources] Payback and collateral Proposed strategy for the liquidation of investors positions Financing plan for the immediate term, short term, and long term

9 10

An old friend s father, who was an insurance agent, once remarked to me, The essence of insurance is that you ve bet that something bad will happen to you, and the insurance company has bet that it won t Thus, if you lose, you win, but if you win, you lose

Working capital needs Line of credit Cash flow from operations outside investors, sell debt, or IPO

Figure 7-13: To cancel an auction once a bid is made, you must cancel any outstanding bids or sell to the next-highest bidder

Manage Completed Sales Combining Purchases on an Invoice Invoice the Buyer Receiving Selling Funds from Your PayPal Account Leave Buyers and Bidders Feedback Package the Item Getting Free Packaging Access Shipper Services Simplifying Shipping Costs Create Shipping Labels Online Relist an Item Changing a Listing for Success Get a Second Chance Offer

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