So far, your financing discussions have been proceeding well, and one or more bankers is showing interest in your business plan. You feel ready to plant your shovel in the ground. But the banker's vault is not yet open. Wrapping up financing can be challenging, if you don't know what deal terms banks usually expect and which items may be negotiable and which may not be.

Let's say you're a fractional real estate developer. You have investors supplying seed capital. You've tied up the property you want to develop. You have your permits and architect's plans. Your development team is assembled and raring to go. Only one more vital piece of the puzzle still needs to fall into place: You need to find equity and debt financing and consumer financing.