By John McCullough, Director of Business & Corporate Development at OpenView. As either a key source of minimally dilutive growth funding and / or runway between equity financings, debt is an important component of the capital structure for many VC-backed startups.
Whether you’re raising your first credit line or have been working with the same lender for years, it’s important to understand how to compare venture debt offers (in very general terms, we’ll define venture debt as term financing with durations of between 3 and 5 years), either from less risk-averse venture debt funds or more conservative banks.
While not exhaustive, here are 10 items to compare across competing term sheets that should, to some extent, be up for negotiation.
There’s an adage that says your first job as a startup CEO is to make sure your company never runs out of cash. When financing a growing company, venture debt can be a great supplement to venture capital. Much has been written to help founders think through venture capital, but venture debt remains a bit of a black box.
That’s why we partnered with our friends at Columbia Lake Partners, a leading European venture debt fund, to put together a white paper that helps startups approach venture debt in a thoughtful way.
There’s an adage that says your first job as a startup CEO is to make sure your company never runs out of cash. When financing a growing company, venture debt can be a great supplement to venture capital. Much has been written to help founders think through venture capital, but venture debt remains a bit of a black box.
That’s why we partnered with our friends at Columbia Lake Partners, a leading European venture debt fund, to put together a white paper that helps startups approach venture debt in a thoughtful way.
Credit/Loan Policy of a co-operative society guidelines. The purpose of a loan policy, procedures of approving loans, guarantor-ship/loan security, etc.
The Toroso Target Income Series uses exchange-traded products (ETPs) to create three distinct fixed
income portfolios intended to behave more like traditional bonds. The goal is to target a specific yield
while returning principal at a target date. While it is impossible to guarantee the receipt of income or
the return of principal, the proliferation of ETPs has created the opportunity to build synthetic bond
portfolios that simulate traditional bond characteristics, but reduce risk through greater diversification.
MyassignmentHelp.net has a specific unit dedicated to serving the finance projects needs of the students. These finance projects are finance solutions required by students as part of their final finance dissertation or finance thesis submission or may be required as part of course ware
Rather than shy away from some of the more efficient non-core funding techniques, we believe it wise to make certain your Board and your Examiners understand what is being accomplished through the use of wholesale funding tactics and our third webinar on the ALCO Process is designed to describe an approach to this issue. We will provide guidance on:
1. Where to describe your strategy.
2. Limits to place on non-core funding.
3. Reporting the use of non-core funding.
4. Non-core funding products and services that are in use today.
5. Pros and Cons of these funding sources.
This revision presentation highlights the key sources of finance potentially available to a new business and outlines the key issues when choosing the source and mix of finance.
The iBeacon Guide To Success - A comprehensive overview on the technology wit...candylabs
This presentation provides answer to the following questions: What are iBeacons? What is new about it? iBeacon vs. Beacons? What are the uses cases for iBeacons? How does the technology work? What is the future of iBeacons? What to focus on when implementing Beacons? Plus, a very good example of what you should not do with Beacons.
Credit/Loan Policy of a co-operative society guidelines. The purpose of a loan policy, procedures of approving loans, guarantor-ship/loan security, etc.
The Toroso Target Income Series uses exchange-traded products (ETPs) to create three distinct fixed
income portfolios intended to behave more like traditional bonds. The goal is to target a specific yield
while returning principal at a target date. While it is impossible to guarantee the receipt of income or
the return of principal, the proliferation of ETPs has created the opportunity to build synthetic bond
portfolios that simulate traditional bond characteristics, but reduce risk through greater diversification.
MyassignmentHelp.net has a specific unit dedicated to serving the finance projects needs of the students. These finance projects are finance solutions required by students as part of their final finance dissertation or finance thesis submission or may be required as part of course ware
Rather than shy away from some of the more efficient non-core funding techniques, we believe it wise to make certain your Board and your Examiners understand what is being accomplished through the use of wholesale funding tactics and our third webinar on the ALCO Process is designed to describe an approach to this issue. We will provide guidance on:
1. Where to describe your strategy.
2. Limits to place on non-core funding.
3. Reporting the use of non-core funding.
4. Non-core funding products and services that are in use today.
5. Pros and Cons of these funding sources.
This revision presentation highlights the key sources of finance potentially available to a new business and outlines the key issues when choosing the source and mix of finance.
The iBeacon Guide To Success - A comprehensive overview on the technology wit...candylabs
This presentation provides answer to the following questions: What are iBeacons? What is new about it? iBeacon vs. Beacons? What are the uses cases for iBeacons? How does the technology work? What is the future of iBeacons? What to focus on when implementing Beacons? Plus, a very good example of what you should not do with Beacons.
I see a strong correlation between the insular exclusivity of monastic scholarship in the Dark Ages and traditional business practices in "2nd Platform" IT. I also see a connection between the rise of secular humanism and the promise of cloud service providers. In this deck I've tried to show how cloud services can pave the way for a new IT Renaissance. Hope you enjoy!
Search Marketing Summit Australia presentation in Sydney by Sha Menz. Penguin algorithm, how to avoid or recover from a google penalty, link cleanup process, disavow files, how do Author links affect your penalty situation? Free tools, link analysis tools.
I gave a new talk on the Digital Marketing stage at Dublin Web Summit this week. It was called Enabling and Celebrating The Doers.
It was only a 15 minute slot, but the theme was to take a quick peak at the developer community; its size, make up, and what it produces. Then dip into the playbook of some of the companies doing a good job of engaging with it. Finally wrapping up with some ideas on how to celebrate the individuals that create awesome things with your tools.
Hope you enjoy it, let me know what you think, and thanks for all the kind comments received on Twitter afterwards.
Esse é um documento com todos os acordes maiores, menores, aumentados e diminutos esquematizado no teclado musical com suas 3 posição diferentes, que são as posições de fundametal, de terça e de quinta. Esse documento foi desenvolvido por Luciano Di Lima (eu), e para o seu melhor uso ele está no formado ".doc", sendo assim o documento pode ser edição conforme você desejar, em pról do seu melhor desenvolvimento e apendizado sobre o teclado musical.
A common problem facing startup founders is how to adequately fund their businesses from inception through profitability.
Many rely on equity raises to climb up the J-curve, but the dilution that results is often a hefty price to pay. Fortunately, that isn’t the only option.
Venture debt is a potentially attractive alternative that founders tend to under-utilize. Whether you’re looking for a source of growth capital with minimal dilution, a way to extend your runway between equity financings, or both, venture debt is an important component of the capital structure for many venture-backed startups.
What’s best is that you don’t need to be an expert in debt financing to make venture debt work for your business. What you do need to understand, however, is how and when to access the venture debt markets.
Read more here: https://openviewpartners.com/blog
Need capital to start, grow and manage your business, we provide loans in the form of short term loans and long term loans, check your ability to get a loan by bank loan rating and credit score check. Get complete information about the Syndication & Funding right from Term Loans to Unsecured Loans and the Process.
Approaching Your BankerTips1. Keep in mind tha.docxrossskuddershamus
Approaching Your Banker
Tips
1. Keep in mind that to stay in business banks need to make loans.
Do not be afraid to ask for one. That is what the Commercial Account Manager wants you to do. To increase your chances of getting a loan, look for a bank that is familiar with your industry and who has done business with companies like yours. Seek out banks that are active in small business financing. Some banks lend on a conventional basis (lending money without government support), while some banks participate in government programs (in the form of government participations involving direct government funds or loan guarantees). However, be aware that banks often demand stiff collateral requirements for start-ups.
2. As an entrepreneur, make sure that you are thoroughly prepared when you go to your banker's office to request a loan.
You need to show your bankers that a loan to you is a low-risk proposition. Have on hand a completed Business PlanManagementMarketsMaterialsMoney Copies of cash flow (12Mth) Financial statement projections (3-4yrs)
3. Learn to anticipate every question that he or she has. Remember, the combination of information and preparation is the most powerful negotiating tool in the world. A confident and thoroughly prepared borrower is four times more likely to have his or her loan approved than a borrower who does not know the answer to some of the basic questions a banker asks. To show the extent of your preparedness, your business plan should also include answers to your banker's questions.
These questions normally are:
How much money do you need? Be as exact as possible; although adding a little extra for contingencies will not hurt. How long do you need it for? Be prepared to go into detail about what the money will do for you and why your business is a good risk. What are you going to use it for? Businesses use loans for three things: to buy new assets, pay off old debts, or pay for operating expenses. When and how you will repay for it? Your cash flow projections should provide a repayment time frame. Convince the banker of the long-term profitability of your business and your ability to repay the loan by using your financial projections and business plan. What will you do if you do not get the loan? Is your request Safe and Sound.
4. Do not take an apologetic and negative attitude. Keep your negativity in check. Present yourself as an entrepreneur who can and will repay the loan. Boost your image by providing your Commercial Account Manager with any promotional materials about your business, such as brochures, ads, articles, press releases, etc.
5. Dress in a professional manner for the interview. This is a business transaction, so treat it as such.
6. Do not stretch the truth in your loan application. Broad, unsubstantiated statements should be avoided. The lender can easily check many of the facts on your application. If you cannot support statements with solid data, then don't make them.
3 Structure of Interest RatesCHAPTER OBJECTIVESThe specific ob.docxlorainedeserre
3 Structure of Interest Rates
CHAPTER OBJECTIVES
The specific objectives of this chapter are to:
· ▪ describe how characteristics of debt securities cause their yields to vary,
· ▪ demonstrate how to estimate the appropriate yield for any particular debt security, and
· ▪ explain the theories behind the term structure of interest rates (relationship between the term to maturity and the yield of securities).
The annual interest rate offered by debt securities at any given time varies among debt securities. Individual and institutional investors must understand why quoted yields vary so that they can determine whether the extra yield on a given security outweighs any unfavorable characteristics. Financial managers of corporations or government agencies in need of funds must understand why quoted yields of debt securities vary so that they can estimate the yield they would have to offer in order to sell new debt securities.
3-1 WHY DEBT SECURITY YIELDS VARY
Debt securities offer different yields because they exhibit different characteristics that influence the yield to be offered. In general, securities with unfavorable characteristics will offer higher yields to entice investors. Some debt securities have favorable features; therefore, they can offer relatively low yields and still attract investors. The yields on debt securities are affected by the following characteristics:
· ▪ Credit (default) risk
· ▪ Liquidity
· ▪ Tax status
· ▪ Term to maturity
The yields on bonds may also be affected by special provisions, as described in Chapter 7.
3-1a Credit (Default) Risk
Because most securities are subject to the risk of default, investors must consider the creditworthiness of the security issuer. Although investors always have the option of purchasing risk-free Treasury securities, they may prefer other securities if the yield compensates them for the risk. Thus, if all other characteristics besides credit (default) risk are equal, securities with a higher degree of default risk must offer higher yields before investors will purchase them.
EXAMPLE
Investors can purchase a Treasury bond with a 10-year maturity that presently offers an annualized yield of 7 percent if they hold the bond until maturity. Alternatively, investors can purchase bonds that are being issued by Zanstell Co. Although Zanstell is in good financial condition, there is a small possibility that it could file for bankruptcy during the next 10 years, in which case it would discontinue making payments to investors who purchased the bonds. Thus there is a small possibility that investors could lose most of their investment in these bonds. The only way in which investors would even consider purchasing bonds issued by Zanstell Co. is if the annualized yield offered on these bonds is higher than the Treasury bond yield. Zanstell's bonds presently offer a yield of 8 percent, which is 1 percent higher than the yield offered on Treasury bonds. At this yield, some investors are willing to p ...
Infographic insights from LinkedIn's Workplace Learning Report from Lessonly, the leader in team learning software. We agree that "the single biggest driver of business impact is the strength of an organization's learning culture." Learn more at Lessonly.com.
How Consumer Technology Companies Are Changing the WorldKyle Lacy
Presentation given at SMPS Build Business Conference on July 17, 2017. We talk about the importance of Amazon, Google, Alibaba and the other consumer tech giants changing the world.
How to Build the Business of the Future v2Kyle Lacy
This is the second presentation of Closing the Knowledge Divide. This version was used for the Quality Associates user conference on June 15th in Washington DC.
Closing the Knowledge Divide: How to Build the Business of the FutureKyle Lacy
Presentation given on April 25th to TrueU in Indianapolis, IN. This is a new presentation focused on how to close the knowledge divide through speed, access and analytics and what it takes to build the business of the future.
Change Agents: How Consumer Centric Technology Companies Change the WorldKyle Lacy
My presentation for the APICS Conference in Scottsdale, AZ on 2/23/2017. The talk is focused on the investments huge consumer centric technology companies are making to change the world. We talk about two current trends: Mobile and Instant Gratification and two future trends: Artificial Intelligence and Blockchain. Enjoy
What I Learned About Software Marketing and Growth After 2 Years in Venture C...Kyle Lacy
This deck is being used for a presentation at High Alpha's Marketing Forum in Indianapolis on 1/2/17. I've spent the past two years working at OpenView, a venture capital firm based in Boston.
The lessons I learned watching the partners, my colleagues, portfolio CEOs, countless pitch meetings and hundreds of conversations between leadership teams was invaluable.
Here are a few.
Keynote presentation for the Peak Campus Conference in Atlanta, GA on 1/12/17. We talk about two current technology disruption business and what we must do to evolve. At the core, this presentation is filled with tips to building sustainable growth by focusing on the foundation of digital change and not the hype.
A look at the 4 Ps (People, Process, Programs and Performance) that every org should be developing as they grow. Your PEOPLE should develop & re-develop your PROCESSES & PROGRAMS to improve PERFORMANCE.
Marketing is Dead. Build a Foundation. Ignore the Hype.Kyle Lacy
My presentation for the State of Search conference in Dallas, TX on 11/12/2016. We talked about how the customer experience is the only things that matter. It is the only thing that makes you relevant. There are 4 Ps to the survival of marketing as a profession - people, process, programs and performance.
YOUR PEOPLE SHOULD DEVELOP & RE-DEVELOP YOU PROCESSES & PROGRAMS TO IMPROVE PERFORMANCE.
You Can't Growth Hack Your Way to SuccessKyle Lacy
It's important to build a marketing strategy around a foundation instead of stringing together small "growth hacking" experiments. It's about PEOPLE, PERSONAS, PROCESSES, and PERFORMANCE.
Your PEOPLE should develop and re-develop your PERSONAS and PROCESSES to improve PERFORMANCE.
Marketing is Dead. Only Moments Matter - UserTesting Roadshow - 10/5/2016Kyle Lacy
Another adjustment to my Marketing is Dead deck which covers how to evolve in the digital environment. The only thing that matters or should matter to digital marketing is the experience the consumer is having with your brand.
Presentation given at the Zillow Group's Multifamily conference in Austin, Texas on 9/27/2016. We dive into the changes happening in digital marketing and what YOU (the marketer) must do to survive. It's a scary world out there.
Marketing is Dead - Uberflip User Conference PresentationKyle Lacy
Presentation given at Uberflip's User Conference on 8/25/2016. The deck focuses on the 3 disruptions of the marketing profession by technology and the 5 ways to survive. Enjoy!
Marketing is Dead - Understanding the Shifts Changing Marketing TodayKyle Lacy
Presentation given in New York City on 5/19 for Idio.
Trends like scalability, artificial intelligence, distribution and mobility are changing the way we buy, sell and communicate. We must be poised to take advantage of these changes and equipped to handle a customer’s journey that is changing constantly. In a world of instant communication, the most successful be those that embrace experiences over marketing.
Join us as we talk about why we are not the CEO or VP of sales, the head of marketing or the customer support manager, we are experience makers and managers. The only thing that makes us relevant are the experiences we provide. Everything else is just noise.
Moments Matter : Why Technology Tips the Scale for Massive Change in Transpor...Kyle Lacy
Presentation from Pegasus Trucking Live in Clearwater, FL 4/28/2016 - where I discussed the changes in technology, consumerism, mobility, artificial intelligence / machine learning, and how they affect/change the transportation industry.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
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Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
Greek trade a pillar of dynamic economic growth - European Business Review
10 Criteria to Help You Compare Venture Debt Term Sheets
1. // financial series
10 Ways to
Borrow Wisely
Criteria to Help You Compare
Venture Debt Term Sheets
2. John McCullough
Director of Business
& Corporate Development
As either a key source of minimally dilutive growth funding and/ or
runway between equity financings, debt is an important
component of the capital structure for many VC-backed startups.
Whether you’re raising your first credit line or have been working
with the same lender for years, it’s important to understand how
to compare venture debt offers (in very general terms, we’ll define
venture debt as term financing with durations of between 3 and 5
years), either from less risk-averse venture debt funds or more
conservative banks.
While not exhaustive, here are 10 items to compare across
competing term sheets that should, to some extent, be up for
negotiation….
4. Loan Size
What sort of turn on revenue or earnings is
the lender willing to give you? It may be
more than you need, or less. Sizing often
ranges from ~20% to 100% of the most
recent venture round.
6. Interest Rate
Not only the initial rate itself, but whether floating or
fixed. A lot of term sheets these days propose a spread
to prime rate, which is obviously variable; if floating,
understand both the reference rate and the spread. Also
be sure to know if there is a minimum (aka “floor”) rate
as part of the variable construct. Currently, banks tend to
hover around 5-8% total rate, while more risk tolerant
venture debt firms are more often in the 10-14% range.
8. Interest-Only Period
Given the cash-burn profile of many startups,
lenders are willing to forgo principal repayments for a
period (broadly speaking, in exchange for upside via
warrants, higher collateral, or in other ways); this can
range from roughly 0 to 18 months depending on the
lender and profile of the business.
12. Warrant Coverage
Usually expressed as a percentage of the loan size,
warrants represent the right of the bank to purchase
preferred equity shares in the business — usually at
a share price equal to the lower of the most recent
equity round or the next equity round. If included,
coverage can run from a few percentage points with
banks to as high as 10 to 15% with venture debt
funds.
14. Unused Facility Fee
Often banks will charge a fee on the unused portion of a
credit facility (if you’ve chosen to use a revolver in
addition to the term loan) as compensation for keeping
the line open and assuring the borrower the funds will be
there in the future at the stated contractual rate
regardless of market conditions. It’s generally expressed
as a small percent of the facility size and paid monthly or
quarterly. These fees range from zero to a few
percentage points.
16. Pre-Payment Penalty
Term sheets may request none, or may lay out a
detailed waterfall whereby the penalty, as a percent
of the loan, steps down incrementally as the pre-
payment date moves closer to the maturity date (i.e.
from 3% for first 12 months, to 2% in the second 12
months, and so on); typically you should expect to
see 1-3% of principal. In some cases all future
interest payments may be accelerated.
18. Material Adverse Change
A material adverse change clause allows the lender to
call a loan if they deem a material change (i.e. something
unpredictable) in the business to have taken place that
renders the company unable to repay, or more generally,
significantly increases the risk assumed by the lender.
Simply put, you’d rather not be subject to a MAC clause
— but if you are, the goal is to narrow the scope of the
clause to the extent practical.
20. Material Adverse Change
While venture debt providers don’t usually require
covenants, the more conservative bank lenders will
often propose a minimum liquidity covenant (the
dollar amount of working capital) and / or trailing
EBITDA profit / loss thresholds that are tested
quarterly; while not ideal, if the covenants are easily
met than this may be a more acceptable ‘give’ than
higher debt costs and other unfavorable features.
22. Other
Board observer seats, rights to invest in
subsequent equity rounds, requirements to
keep primary depository and operating
accounts with the institution (in the case of
banks only) may also appear on term sheets.