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Rules of banking

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  1. Don’t deposit operating funds into a savings account
  2. Consider Certificates of Deposit (CDs) as a place to stash cash
  3. Never allow maturing CDs to roll over automatically
  4. Shop around before you sign
  5. Ditch the ATM card

Prepare for meeting with a bank loan officer with:

  • Financial statements for your existing business
  • Accountant-prepared financial projections and cash flow analysis
  • Owner’s personal financial statements and tax return
  • Background information and experience of owner(s)
  • Marketing feasibility study for the project

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