1 Introduction
2 Personal customers
3 Working capital proposals
4 Capital expenditure proposals
5 Speculative builders
6 Property lending
7 Professionals
8 Retailers 1
9 Restaurants
10 Farmers
11 Trade finance
12 Acquisition finance
13 Clubs and associations

This is a unique evaluation of lending theory that stands back from accepted day-to-day practice and draws on the extensive experience of the author. It adopts a practical ‘lessons learned’ approach and has been written by a senior practitioner who held an executive position within Barclays Bank for 20 years managing UK and international corporate lending. He is now Managing Director of Frontier Markets Fund Managers, a division of Standard Bank.