Everyone knows there is money in banks. The question for a business man or a would-be-businessman is how to get it without using a gun. Somers White, a financial consultant, offers some tips on how the customer can help the banker make a decision.

FIVE THINGS TO TELL THE LOAN OFFICER

Whether the loan is for an individual, a business or an underdeveloped country, there are two kinds of loans: productive (for a dam, a bridge, or a factory) and nonproductive (for a country that needs to buy petroleum). In any event, there are five things you should tell your banker within the first 90 seconds of your visit: how much money you want, for how long, for what purpose, how you will repay the loan, and how you plan to repay the loan if your first plan fails.