Copyright Notice to Readers Letter to Subscribers
Introduction
The Authors
Editorial: Advisory Board Contributing Authors Acknowledgements Users' Guide
Part A Breaking Through the Financing Barriers
Part B Exploring Your Financing Options
Part C Preparing a Winning Financing Proposal
Part D Successfully Dealing With Issues
Chapter 20 If at First you Don't Succeed 20.1 The Financing Roadblock 20.2 Dealing with Challenging Circumstances 20.2.1 Litigation 20.2.2 Bankruptcy or Other Formal Insolvency Proceedings 20.2.3 Divorce 20.2.4 Medical Conditions 20.2.5 Negative Credit Record 20.2.6 Bad Decisions 20.2.7 Big Expensive Office, Big Expensive Car 20.3 A Successful Conclusion to the Above Issues 20.4 Rejection: When the Lender Says "No" 20.4.1 Understanding the Important Elements of Rejection 20.4.2 How Did the Loan Officer Say "No"? 20.4.3 What Next? 20.5 Responding to the Lender's Objections 20.5.1 Keep Improving the Proposal 20.6 There Are Other Lenders 20.7 Sometimes the Borrower Will Not Qualify Chapter 21 The Lender is on my Back 21.1 Managing Financial Difficulty 21.1.1 The Onset of Financial Difficulty 21.1.2 Remedial Actions 21.1.2.1 Asset Related 21.1.2.2 Liability Related 21.1.2.3 Capital / Equity Related 21.2 Signals from the Banker / Financier 21.2.1 Subtle Signals 21.2.2 Modest Signals 21.2.3 Strong Signals 21.2.4 Banker's Early Warning Questionnaire 21.3 Developing an Action Plan 21.3.1 The Banker's Psyche 21.3.2 Fundamental Principles 21.3.3 Specific Steps in Dealing with a Concerned Banker 21.4 Financial Restructuring as Part of Action Plan 21.5 Technical Issues for Consideration 21.6 Case Study: Restructuring Success 21.6.1 Problem 21.6.2 Commentary Chapter 22 Environmental Issues in Finance 22.1 Introduction to the Issue 22.2 The Legal Scenario 22.2.1 General 22.2.2 Brownfield Sites 22.3 Implications of Environmental Protection Laws 22.4 Dealing with the Environmental Risk: A Lender's Perspective 22.4.1 Concerns of Lenders 22.4.2 Risk Analysis 22.4.3 Environmental Investigation 22.4.3.1 First Level 22.4.3.2 Second Level 22.4.3.3 Third Level 22.5 Highlighting Areas of Risk 22.5.1 Common Hazardous Materials 22.5.2 Industries with Greater Risks 22.6 Lending Criteria 22.6.1 Legal Documentation 22.6.2 Ongoing Administration 22.7 Environmental Insurance 22.8 Research Assistance 22.9 Environmental Questionnaire Part E Restructuring and Insolvency
Part F Special Circumstances
Part G Unique Industries
Part H Overview of International Financing
Part I Legal Matters
Part J Tools for Dealing with Finance
Appendix I Historical Evolution of Finance
Appendix II Economic Forecast: North American Outlook Appendix III Glossary Appendix IV Acronyms Appendix V Case Studies
Appendix VI Credit Rating Systems and Agencies
Appendix VII Standard Industrial Classification (NAICS)
Appendix VIII Consumer Price Index
Appendix IX ISO 9000
Appendix X Leading Legal Cases
Appendix XI Sharwood Report Bibliography
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