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My goal is twofold:
- Coach small business owners and provide tools that will help
them succeed in securing loans and managing loan relationships. - Communicate with the lending community about the needs of
small business owners and encourage the development of
products and services that are beneficial to small businesses.
| A Thought for Small Business Entrepreneurs |
| My Referral List |
| Selection Rules |
| Copyright © 2005-2008. D. Neil Berdiev. All rights reserved. |
From the Author
I started my career in brokerage trading with Fidelity Investments over
10 years ago. I subsequently moved into the field of commercial
banking where I worked in various roles for FleetBoston Financial,
Cambridge Trust Company, Citizens Financial, and Boston Private
Bank. During my career, I participated in structuring, underwriting,
and approval of over $500 million in new loan obligations as well
as loan renewals. My customers include companies of less than $1
million in revenue and some borrowers that are publicly traded
companies and well-recognized names. I also evaluated quality of
over 1 billion in commercial loans to companies throughout the U.S.
While still a commercial banker, I found my passion in coaching
small business owners on how to secure loans financing and
manage financially successful companies. I have written articles for
Inc.com and the RMA Journal. My work has been cited and
published in many professional publications as well as such
well-recognized media as LA Times, the Metro, Banker &
Tradesman, to name a few. Last but not least, I teach seminars to
small business owners on various financial and management issues.
I have enjoyed a rewarding career as a banker. What made it
particularly memorable is an opportunity to work with
privately-owned businesses and serve their financing needs. I
worked for very large as well as small community banks,
experiencing first hand how they fulfill the financing needs of those
borrowers. Unfortunately, I saw again and again smaller loan
requests denied because the owners of those companies did not
know how to present their requests in the best possible light.
I love what I do, I do it well, and I created this book to help you
get the loans your business needs.
D. Neil Berdiev
I started my career in brokerage trading with Fidelity Investments over
10 years ago. I subsequently moved into the field of commercial
banking where I worked in various roles for FleetBoston Financial,
Cambridge Trust Company, Citizens Financial, and Boston Private
Bank. During my career, I participated in structuring, underwriting,
and approval of over $500 million in new loan obligations as well
as loan renewals. My customers include companies of less than $1
million in revenue and some borrowers that are publicly traded
companies and well-recognized names. I also evaluated quality of
over 1 billion in commercial loans to companies throughout the U.S.
While still a commercial banker, I found my passion in coaching
small business owners on how to secure loans financing and
manage financially successful companies. I have written articles for
Inc.com and the RMA Journal. My work has been cited and
published in many professional publications as well as such
well-recognized media as LA Times, the Metro, Banker &
Tradesman, to name a few. Last but not least, I teach seminars to
small business owners on various financial and management issues.
I have enjoyed a rewarding career as a banker. What made it
particularly memorable is an opportunity to work with
privately-owned businesses and serve their financing needs. I
worked for very large as well as small community banks,
experiencing first hand how they fulfill the financing needs of those
borrowers. Unfortunately, I saw again and again smaller loan
requests denied because the owners of those companies did not
know how to present their requests in the best possible light.
I love what I do, I do it well, and I created this book to help you
get the loans your business needs.
D. Neil Berdiev
One referral at a time
You probably know as well as I do that a large source of sales
for small businesses comes from word-of-mouth referrals.
Individuals refer their friends and even strangers to companies
they have had outstanding experiences with. Isn't it time for small
businessmen and women to do the same?
Next time another small company provides you with a great
service or sells you a high quality product, make a commitment to
refer at least one customer to that company. Rest assured that
many other business owners will learn to do the same as long as
your own services and products are worth the mention. You will
support and grow your small business by supporting others. I call
it "one referral at a time".
You probably know as well as I do that a large source of sales
for small businesses comes from word-of-mouth referrals.
Individuals refer their friends and even strangers to companies
they have had outstanding experiences with. Isn't it time for small
businessmen and women to do the same?
Next time another small company provides you with a great
service or sells you a high quality product, make a commitment to
refer at least one customer to that company. Rest assured that
many other business owners will learn to do the same as long as
your own services and products are worth the mention. You will
support and grow your small business by supporting others. I call
it "one referral at a time".
| Author |
- Company: Sherrie Wilkolaski and SPMG, Inc. of Raleigh, NC
Cover design exceeded my expectations. Sherrie's team used my idea
and took it a level up. Timely work. Kept me updated on work progress.
I enjoyed working with her.
- Company: Khoury's Karate Academy of Tewksbury, MA
Head instructor Gary Khoury has a wealth of experience in the field. He
lived and trained extensively in Japan, the birthplace of his style of
karate. This school is a genuine example of a martial arts establishment
where students are cared for. Gary makes a lot of efforts to understand
his students and channel their energy into positive behavior and actions.
- Company: Anna's Tacqueria of Cambridge, MA
Simple, quality food for a bargain price. I go there all the time and the
consistency with which quesadillas or burritos are prepared never
disappointed me.
- Company: Paul Cornell & Associates of Tewksbury, MA
Paul was recommended to me by a professional acquaintance of mine
as a very experienced inspector. I was not disappointed in his work.
Paul was prompt and took his time to educate me on the matters that
were totally new to me. His fees were also very competitive.
- Company: J.H. Kim Tae Kwon Do Institute of Boston, MA
An established martial arts school that offers high-quality instruction to
people of various ages. All instructors have extensive experience in the
field. A good example of what a martial arts school should be.
- Refer only the companies whose products and services you have
actually purchased and used; - Refer companies that offer truly outstanding products and
services; - Always refer companies voluntarily and never when you are
being compensated for the referral or hope to derive some benefit - Always be honest in providing referrals;
- Provide specific details why particular company deserves your
referral.
| Loan Financing Guide for Small Business Owners |
| "Empowering Small Businesses" |
