In a loan, the transferor – transferring money to you – becomes a creditor to you. The transferee – that is you – becomes the debtor. I do not like to have that statues attach to my name, so I strive to change it very quickly. I’m certain you feel likewise too.

If you will lend something to someone – cash, most likely – you must see that you get the most out of it. We give this advice freely because I believe everyone should know it. In consequence to myself, We never grudge when I get offered some outrageous interest rates when I need to take a loan too; We just grin and then proceed to negotiate.

Sometimes as a merchant in business, you could lend currency to another merchant like yourself. The terms and conditions of such a transaction would them be strictly between the two of you and may not keep to industry standards. You could use it to foster a good relationship.

When I take a loan, I take it such that whatever interest I will be paying will be paid for by the loan itself. If I cannot balance the equation as such, and still have some profit accrue to me through it all, I might as well be wasting my time. I won’t do it.

If you have to decide whether to get a loan or not, what you need is a table. On one side list the reasons you have to borrow, and on the other side list the reason you have not to. Whichever list is longer should win the decision – er, don’t do it at home.

When you are in need of a loan, you cannot be too bossy or demanding. The lender does reserve a right to not do business with you so you might want to be just a bit nice. We would suggest that you speak in calmer tones and focus instead on how you can make them richer. If you do your homework well, you can get the loan you need, even quicker than you expected.

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