This guide shows readers how to go about the process of borrowing money, from planning what they need, through to negotiating the loan with the bank manager, and how to monitor the borrowing once it is in place. The author gives advice on how to use the many professional services available to borrowers, and how to proceed without them if appropriate. He gives advice on the preparation of a business plan or a personal budget, and explains what bank managers will be looking for in making their decision. The book includes a section on presentation, and gives tips on how to swing the decision. Finally, the book includes a section on what to do when the bank wants its money back, how to negotiate a survival plan and, most importantly, how to avoid personal bankruptcy if it all goes wrong.