Bank loan request for small business –Mẫu thư vay ngân hàng cho doanh nghiệp nhỏ

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Bank loan request for small business –Mẫu thư vay ngân hàng cho doanh nghiệp nhỏWRITINGGUIDEReaderswhodonotyethavetheadvantageofknowingyouwilljudgeyoubyyourwriting.Paysomeattentiontowhatyousayandhowyousayit.Whatfollowsisasamplecoverletterforabankloanrequest.Notehowmuchinformationispackedintoashortletter,andthatitfocusesonwhatabankerwouldmostwanttoknow.Writeasyouwouldspeak,butjustalittlemoreformally.Avoidslangandcontractions.Donottrytomakeittoofancy.Startwithalistofthemainpointsyouneedtogetacross;thenstartexplainingthem.Useonlythethreebasictenses,past,present,andfuture.Refertoyourbusinessbyitsname,orit.Thus,Contoso,Ltd.wasformedin1996etc.,isnowcalledAdventureWorks.UseIorweonlywhenreferringtotheactionsoftheindividualowners.Writeintheactivevoiceandinshortsentences.ExecutiveSummaryADVENTUREWORKSisahighenddesignandremodelingfirmwithareputationforintegrity,qualitycraftsmanship,andexcellenceinmanagement.Inthreeyearsannualsaleshaveincreasedtobewelloveramilliondollars.ADVENTUREWORKSwasformedbyBrianGrothasaSoleProprietorshipinDecember1997.In1998acombinationofactivitiesinvolvingresidentialdesign,consulting,andgeneralconstructionbroughtGrossSalesof$250,000.TheCompanyexperiencedsteadygrowthsinceitsinception,andincorporatedinMarch1999,(seeAppendix6,ArticlesofIncorporation).In1999GrossSalesof$750,000wereachieved.In2000,signedcontractsshowthatGrossSalesareexpectedtobe$1,300,000(seeAppendix2,currentBacklog).TheCompanyhasitsaddressinleasedpremisesat1234AStreet,Springfield,MD40523.ItsactivitiesfallundertheStandardIndustrialClassificationSIC1521and1522.TheownersareBrianGrothandJulieBankert.ADVENTUREWORKSisinvolvedinfourdistinctactivities: 1. ArchitecturalDesign 2. Residential&LightCommercialConstruction 3. PropertyServices 4. RetailFloorCoverings(seeAppendix4).EightytoninetypercentoftheGrossSalesareindesignandconstruction.Atthemoment(May2000),thereare25permanentemployeesonthepayrolland10subcontractedworkersexcludingsubcontractingcompanies(seeAppendix1forresumes).ThecompanysShortTermObjectives(withinthenextthreeyears)aretoincreaseactivityinallDivisions,andtoachieveannualprofit,netaftertaxes,of$200,000by2005.ItsLongtermobjectivesare:tomaintainthelevelofcurrentbusinessachievedupto2005,andthentomoveintohistoricalrestorations,morelightcommercialwork,andincreasednewcustomhomeconstruction.Toimplementtheseobjectivesthecompanyneeds: 1. Aloanof$100,000atPrimeplus2%.Thisloantobeusedforcurrentneartermexpensesincluding __________________,______________and____________Itwillberepaidinfiveyears. 2. Alineofcreditof$50,000totakeadvantageofdiscountsavailable,avoidassociatedpenalties,and expandintohighprofitareasrequiringpositivecashflow.TheprospectsforADVENTUREWORKS’continuedgrowthareexcellent,with2000constructionanddesigncontractsunderwayalreadyexceeding$550,000(seeAppendix2,Backlog2000).Forequitythecompanyhasassetsof$227,000(seeAppendix9,BalanceSheetasofmm/dd/2003).Additionally,thecompanysownersarewillingtoofferascollateralasecondmortgageonaresidencewithanestimatedequityof$150,000.Theaddressofthisresidenceis456OakDr.,Mt.Vernon,CA31304.Thecompanysoverallobjectiveistosatisfythatmarketsegmentthatdemandsintegrityandqualityconstruction,andtomaintainasteadygrowthinsalesvolumethatwillsustainthecompanyfortwentyyears.BrianGrothhasenhancedhisreputationtothepointwherethecompanyisregardedbymanyarchitectsastherecommendedchoicewiththeirclientsduetotheexcellenceofitscraftsmenandmanagement.MarketresearchshowsthatthepopulationinSpringfieldhasincreasedby200,000between1985and2003.Thisincreaseinpopulationbroughtaboutanincreaseof19,850newsinglefamilyhomesvaluedatoverthreebilliondollars.Thisincreasegivestheareaover128,000existinghomesasapotentialremodelingmarket.DemographicestimatespublishedbytheStateOfficeofFinancialManagement,2002,indicatethatanadditional20,000personswillneedtobehousedbetween2002and2020.ADVENTUREWORKSintendstopursuethismarketvigorously.(SeeAppendix7fordataonanticipatedchangesinthepopulationoftheCounty).FinancialObjectivesThefinancialobjectivesofADVENTUREWORKSoverthenextfewyearsareasfollows: 2005 20052010 Sales $7,000,000 $10,000,000 NetIncomeafterTax $500,000 $1,000,000Pleasereviewtheenclosedbusinessplanandloanproposal,andofcoursefeelfreetoaskforanyadditionalinformationorexplanationsyoumaywant.Iwillcallyouinaboutoneweekstimetoarrangeanappointmentsothatwecandiscusstheloaninperson.IlookforwardtoamutuallyprofitablerelationshipwiththeWoodgroveBank.Sincerely,BrianGroth ...