1. The document summarizes a presentation given by Steve Goble and Bill Warrell on leadership, running a business, and a lender's point of view. 2. It provides an overview of Steve and Bill's backgrounds and families. The agenda includes discussions on leadership and personal growth, planning for success, and hearing a lender's perspective. 3. The presentation emphasizes the importance of intentional personal growth through dedicating time, such as 15 minutes per day, to improve leadership skills. It also stresses having a comprehensive business plan that covers legal, financial, marketing, management, and strategic considerations in order to improve the chances of business success and to satisfy lenders.

1. 1
Leadership
and
Running a Business
Steve Goble
the Goble Group
Bill Warrell
Everence FCU

2. 2
A Little About Steve…
• Import to Lancaster
• Married to Diane, 2yr. old daughter
Dani…attends Good Shepherd
• Launched the Goble Group after
losing job when Dani was 12 days old

3. 3
A Little About Bill…
• In banking over 15 years (3 years with
Everence)
• My wife and our 3 kids live in Leola and
attend the Conestoga Valley Church of
Christ
• Nothing else I’d rather be doing!

4. 4
Today’s Agenda
Part I – Leadership and Personal Growth
Part II – Planning for Success
Part III – A Lender’s Point of View

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So give your servant a discerning
heart to govern your people and to
distinguish between right & wrong
1 Kings 3:9
Leadership & Personal Growth

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Leadership & Personal Growth
A Few Things to Recognize…
…the only person you can change is yourself
…leadership is a skill that can be learned
…must be intentional about personal growth

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Leadership & Personal Growth
Could you grow your
leadership ability by just
1% per week?

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Leadership & Personal Growth
Personal Growth…invest the TIME!
…we all have the same amount of time
…1% a week is 1 hr. 45min a week…15 min a day!
…you’ll find what’s important to someone by
looking at their calendar and their checkbook

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Leadership & Personal Growth
What’s on your calendar?
…focus on continuity, system
…have self discipline
…leave room for study hall & recess

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Leadership & Personal Growth
What does your future
look like with proper
investment & leadership?

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For which of you, desiring to build a
tower, does not first sit down and
count the cost, whether he has
enough to complete it?
Luke 14:28
Planning for Success

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Planning for Success
Businesses with fewer than 20
employees have a 37% chance of
surviving 5 years and only a 9% chance
of surviving 10 years.
Dunn & Bradstreet Report

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Planning for Success
Out of these failed businesses,
10% close due to bankruptcy while
the other 90% close because:
The business was not successful
It did not produce the income desired
Too much work for the effort

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Planning for Success

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Your Business Plan
 Don’t just think it – write it down!
 Keep it available
 Review it periodically

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1. Pre-planning
 Build your support system
 Define your reason

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2. Legal
 Choosing a structure
 Protecting your idea
 Insurance
 Oversight agencies

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3. Financial
 Describe your source of start-up capital
 Describe your source of working capital
 Financial projections
 Book-keeping

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4. Business Philosophy
 Company name
 Summarize your business idea
 Develop a USP
 Develop a mission statement
 Develop a vision statement

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5. Goals & Objectives
 Develop 5 SMART goals
 Describe your two most important personal
goals that this business will help you achieve
in the next 5 years
 Describe the 3 most significant barriers to
these goals
 Detail how you plan to overcome these
barriers

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6. Competitive Analysis
 Describe your competitors
 Profile your competitors
What are their product lines?
What are their prices?
What are their strengths?
What are their weaknesses?

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7. Marketing & Advertising
 Describe your target audience
Demographics
Psychographics
 Where is your target audience?
 How will you reach them?

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8. Management & Personnel
 Employees
 Salaries
 Benefits

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9. Strategy
 Pricing
 SWOT analysis
 Succession planning
 Collection strategy

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Plans fail for lack of counsel,
but with many advisers they
succeed.
Proverbs 15:22
A Lender’s Point of View

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A Lender’s Point of View
 Are banks and credit unions lending?
 If so, what do they want from me?

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A Lender’s Point of View
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Bank Failures 2000 - 2013

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A Lender’s Point of View
 Are banks and credit unions lending?
GOOD BAD
Income Regulatory Issues
Growth

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A Lender’s Point of View
 If so, what do they want from me?
Firstborn Arm and/or leg
Full physical exam Blood sample
5 C’s!

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A Lender’s Point of View
 Credit
 Character
 Capacity
 Collateral
 Comprehensive Plan

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Success in business requires training,
discipline and hard work.
But if you’re not frightened
by these things,
the opportunities are just as great
today as they ever were.
David Rockefeller
A Lender’s Point of View

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Thank you!