Credit Score 650 or Greater Debt to Income Ratio 45% or Less Net Worth Is it Liquid Are Assets Inflated.

BANKING FOR BISON

PERSONAL FINANCIAL CONDITION

Credit Score 650 or Greater www.freecreditreport.comDebt to Income Ratio 45% or LessNet Worth Is it Liquid Are Assets Inflated

BUSINESS PLAN

1. Executive Summary2. Market Analysis3. Company Description4. Organization & Management5. Marketing & Sales6. Service or Product Line7. Funding Request8. Financials9. Appendix – As Needed

EXECUTIVE SUMMARY

1. Overview of Entire Plan2. History3. What and Where4. Attention Grabber5. Why is it Successful6. Last Section You Write

MARKET ANALYSIS

1. Knowledge of Industry2. Industry Description3. Target Market4. Highlights and Conclusions of

Marketing5. Competition

COMPANY DESCRIPTION

1. Forming a LLP, LLC, or Corp.2. Who3. Where

ORGANIZATION & MANAGEMENT

1. Structure2. Again With The Who?3. Ownership4. Pofiles - Appendix

MARKETING & SALES MANAGEMENT

1. Strategies2. Customers3. Where And When Are Sales

SERVICE AND PRODUCT LINE

1. What Are We Selling:2. Hunt?3. Meat?4. Breeding Stock?

FUNDING REQUEST

1. Amount2. Terms3. Starting?4. Expanding?5. Different Scenarios - Appendix

FINANCIALS

1. Current2. Historical – Owned or Expansion3. Prospective – 3 years

APPENDIX

1. Catch All2. Resumes3. Pictures4. Projections5. Plans6. Market 7. Articles

CHOOSING A BANK

Relationship Types Market Location

PICK A LENDER

Ag Lender Experience Comfort Level

WHAT IS EXPECTED FROM ME

New & Existing Operations1. Personal Financial Statement2. Entity Financial Statement3. Tax Return4. Income Verification5. Debt Verification6. Business Plan7. Pro Forma Cash Flows and Balance Sheets

WHAT IS THE LENDER LOOKING AT

Five C’s Of Credit1. Character2. Capital3. Capacity4. Collateral5. Conditions

CHARACTER

1. Management Ability2. Longevity3. Expertise – Team of Experts4. Integrity – Solid Business Plan5. Relationships6. Reputation

CAPITAL

1. Assets2. Liabilities3. Financial Structure4. Financial Terms5. Financial Strength6. Stability7. Adequate Liquidity

CAPACITY

1. Repayment Ability2. Historical Earnings3. Projected Earnings4. Coverage Ratios or Repayment Ratios5. Verifiable Market Plan

COLLATERAL

1. Collateral Detail2. Operating – Market Livestock3. Term – Breeding or Equipment4. Long Term – Real Estate5. Values6. Percent of Loan to Value – 65%7. Documented Market Prices

CONDITIONS

How is the Bank going to manage the credit risk?

1. Length of Term2. Inspections3. Covenants4. Payment Schedules5. Equity Requirements

QUESTIONS ? COMMENTS?

How do I get financing for both land and livestock?

Can I run animals as a absentee owner? Can I buy land and at some point in the

future use equity to purchase livestock?