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Creditworthiness

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Money values a person record can contribute to whenever benefits, when it comes to money, that the entrepreneur from others want to borrow for all authorities connected with a business and banking course it may be for the founder of advantage, if he not only all required forms can answer carefully and fill out, but in addition to any time and anywhere by himself may present prepared material to the factors relating to him as a person. The better the entrepreneur for loan talks prepared is all the more confident he can negotiate and even safer occur because he knows well prepared as felt uncomfortable questions about his person for otherwise sometimes. Many entrepreneurs assume that in a discussion of credit always incomparably strong negotiating partner across are: the Kreditsuchende feels light as a supplicant, the Bank will be seen always as the granting and felt stronger. Despite its tiny compared to the Bank small size and its supposedly weak negotiating position of entrepreneur should take possible about him, to be able to negotiate on equal footing. In addition to sound business plans and a transparent knowledge balance sheet of the company the balance of a person does not appear, as the worst means. A comprehensive balance sheet representation of human existence founder factors is being developed with Becker, Jorg: entrepreneur rating, ISBN 978 3 8370 7284 6 and that building also by Becker, Jorg: entrepreneur potential, ISBN 978 3 83707504 5. accounting treatment of personal factors to support Becker, Jorg: checking personal credit crisis-proof credit, ISBN 978 3 8391 6418 1 security and inner strength gives the entrepreneur especially with its power of persuasion for the success of its business model. On the accounting issues it can’t hurt but, if the entrepreneur gets internally in memory and deliberately keeps, that just banks appear as his counterpart in times of crisis in her own House on issues of accounting in any favourable light.

Confidence to be an equivalent (not balanced) negotiating partner could be fed from the knowledge of the own strengths based on a knowledge and balance of the person. What here is disclosed facts and made transparent, comprehensible, exceeds that at the opposite bank would be willing and able with a focus on intangibles. His intangibles are the biggest pound with an entrepreneur can proliferate with his often knowledge-intensive aligned company. They often exceed the material assets several times. As long as information is not transparent about this for banks, the entrepreneur usually also in the weak position often feared by him remains. As a result, what is not known or is made known, banks in lending can not also or only inadequately evaluate and take into account. Dipl.Kfm. Jorg Becker (www.beckinfo.de)

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