About the Book

A concise, insightful (but sometimes humorous) guide to understanding the world of banking - and how a small businessman can navigate its tricky waters.

Co authored by Ron Sturgeon, a serial entrepreneur, and Greg Morse, Founder and president of Worthington National Bank with 4 locations in Tarrant County.

The book is packed with tips and advice on how to choose and get along with a banker, what they want to see, a must have guide for both start ups and existing business persons, featuring perspectives from both the banker and entrepreneur’s.

Greg’s description of the book

If you own a business or are thinking of starting one, chances are you will have to deal with a banker. The best way to deal with a banker is to know what they are thinking and what they are wanting. This unique book is written by an entrepreneur whom has borrowed millions of dollars and by a banker of his whom is also an entrepreneur. This book is written for in a tit for tat fashion and is applicable to any size business. This book is a quick read that will get you what you need at favorable terms. It doesn’t matter if you are a fortune 500 company or starting a company in your garage, you can’t afford to not read this book!

Ron's Description

Ron’s description of the book: The book is co-authored by Greg Morse (pres of Worthington Bank) and me. It’s in response to the current help small businesses need in getting a loan, starting a business, etc. It’s a banker’s perspective AND an entrepreneur’s perspective. The goal of the book is to educate entrepreneurs & bankers on how to build and maintain robust relationships.

Definitions of tips, traps and secrets

It occurred to us as we worked on the content, that tips, traps and secrets are really a lot alike. We felt strongly, however, that readers should be able to scan the book quickly for these items. What are tips, traps and secrets, anyway?


Tips are reminders of things you already know, or expansions of your knowledge of a subject or given items. They may be gentle reminders of what should be obvious, or just a little idea to help you make something easier, or to steer clear of trouble.


These are what will for sure get you in trouble if you do (or don’t do) them. These can be “booger bears,” as Ron says. Greg has a fancy banker word for them, but that would be boring, wouldn’t it?


Secrets are things you may not have known. They may delve into how a banker thinks, or things he does or knows that you didn’t know. In most cases, he won’t care that you know them – they make you a better customer – but in some cases they may help you minimize costs, which may or may not reduce the banker’s profits. Ron emphasizes that he doesn’t believe that there are very many real secrets in a bank. Sure, they have backroom discussions just like any company, but in most cases, they are pretty open, and even on items they don’t generally jump to disclose, if asked they will tell you. Or tell you that they can’t tell you.

Want to know why the banker said no? Ask. A good banker will tell you, they aren’t shy. If they won’t, you are at the wrong bank. Or they may be required by law not to tell you, as it involves an investigation or other action within or from outside the bank, but they can’t reveal it. Many of the “secrets” aren’t secrets at all; the authors learned them with years of experience and by reading to learn more about banking. That doesn’t mean you shouldn’t want to learn them – and quickly – rather than learning them through the school of hard knocks.