Who wants to be a millionaire, erm, entrepreneur? Here's your User's Guide.

Are entrepreneurs born or made? How do you recognise a true entrepreneur? What is the best strategy for those wanting to start their own business? Who should they approach for money? What is a bank looking for before lending to them? Mercantile Bank CEO Karl Kumbier has invested his career pondering these questions - and then betting his bank's capital on the answers. Here are the unique insights from South Africa's only bank that focuses exclusively on doing business with entrepreneurs.