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Wysłany: Czw 7:27, 20 Sie 2015
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In "Confessions of an Auto Finance Manager," auto finance manager Nick James says that spot deliveries led to some of his worst experiences in a dealership. When he told one young buyer that the financing had fallen through and that he had to return a pickup truck he had just purchased, the man lunged across the desk and tried to strangle the sales manager.
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Part of this preparation is understanding what bankers will need to approve you. Banks make a major portion of their profits from loans. They're not in the business of saying no; they just say it when your application doesn't meet lending requirements, which are much stricter now than before the financial crisis. But be aware that start-ups are almost always considered risky bets, and many lenders are reluctant to finance them. Also know that many larger banks won't even consider small loans, which are less profitable than larger loans but require the same amount of time to analyze and administer.
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