Powerpoint presented at the Batesville Area chamber of Commerce July 19th for Business Financing Options workshop by the ASU Small Business and Technology Development Center
This document provides an overview of various business financing options, including private investment, grants, conventional financing, and government-backed programs like SBA loans. It discusses factors considered in loan applications like credit history, cash flow projections, management experience, and collateral. Alternative lending sources are also reviewed, such as online lending platforms, microloan programs, and financing for specific industries. Contact information is provided for the Arkansas Small Business and Technology Development Center for additional assistance.
This document summarizes an offering of 10% unsecured bonds from 1885234 Alberta Ltd. The bonds pay monthly interest and principal over 80 months. Funds will be used to purchase and provide cash floats for multi-functional automated commerce machines located throughout the US. The machines provide various financial services and have generated over $8.8 million in distributions since inception. The management team has extensive experience in alternative investments.
The document summarizes the state of the qualified retirement plan space in mid-2010. It discusses that markets have been volatile but not truly down for the year. Legislative changes have increased oversight and fee disclosure requirements. Plan designs are seeing more automatic enrollment and Roth options. The remainder provides case studies on situations involving a participant's market timing, the impact of suspending safe harbor contributions, and implementing a carve-out plan design. It encourages analyzing plans for customization and fiduciary support.
1847 Holdings LLC (1847) seeks to provide non-correlated returns by combining the most attractive attributes of owning private, lower-middle market businesses with the liquidity and transparency of a publicly traded company. 1847’s unique structure permits flow-through tax treatment for shareholders. As a result, 1847 will seek to generate returns for shareholders through consistent, annual distributions of operating subsidiary income and capital appreciation resulting from the timely sale of operating subsidiaries. 1847’s current portfolio includes Neese Inc., an agricultural industry services company with a 27-year operating history and growing market share in waste disposal services, and Goedeker’s, one of the top-30 largest appliance retailers in the country.
This document provides an outline for Chapter 14 of a textbook on managing credit risk under Basel III. It discusses collateralized debt obligations (CDOs), including their characteristics, rating, assessment, design and appendices. The chapter covers topics such as cash flow and synthetic CDOs, tranching, and the functional purposes and rating of CDOs.
This document provides an investment analysis of Waddell & Reed Financial, Inc. (WDR) stock. The analyst initiates coverage with a "Sector Perform" rating and $30 price target. While recent equity fund outflows have declined and fixed income has seen strong inflows, short-term fund performance has been weak, particularly in the two largest equity funds. Macroeconomic challenges and a potential shift in consumer behavior also pose risks. However, initiatives to attract new assets and strong long-term performance provide some positives. Overall, the shares are considered fairly valued at current levels.
Chapter 18 internal ratings based approachQuan Risk
This document summarizes Chapter 18 of the textbook "Managing Credit Risk Under The Basel III Framework, 3rd ed". It discusses the internal ratings-based approach (IRB) for calculating capital requirements under Basel III. The IRB approach allows banks to use their own estimates of probability of default (PD), loss given default (LGD), and exposure at default (EAD) in the capital calculation. The document outlines the IRB formulas for different exposure types including retail, corporate, and institutional exposures. It also discusses credit risk mitigation techniques within the IRB approach.
סלינגר למנכ"לי חברות הביטוח: חזקו את ההון הראשוני
בערב העיון השנתי לענף הביטוח שערך מכון קסירר אמרה המפקחת על הביטוח דורית סלינגר כי רמת ההון הראשוני של חברות הביטוח נמוכה מאוד. "אנו מצפים מהחברות להגדיל את ההון הראשוני שלהן, וכדאי שזה ייעשה באופן עצמאי ושהרגולטור לא ייאלץ להתערב" – אמרה סלינגר לראשי החברות
This document provides an overview of various business financing options, including private investment, grants, conventional financing, and government-backed programs like SBA loans. It discusses factors considered in loan applications like credit history, cash flow projections, management experience, and collateral. Alternative lending sources are also reviewed, such as online lending platforms, microloan programs, and financing for specific industries. Contact information is provided for the Arkansas Small Business and Technology Development Center for additional assistance.
This document summarizes an offering of 10% unsecured bonds from 1885234 Alberta Ltd. The bonds pay monthly interest and principal over 80 months. Funds will be used to purchase and provide cash floats for multi-functional automated commerce machines located throughout the US. The machines provide various financial services and have generated over $8.8 million in distributions since inception. The management team has extensive experience in alternative investments.
The document summarizes the state of the qualified retirement plan space in mid-2010. It discusses that markets have been volatile but not truly down for the year. Legislative changes have increased oversight and fee disclosure requirements. Plan designs are seeing more automatic enrollment and Roth options. The remainder provides case studies on situations involving a participant's market timing, the impact of suspending safe harbor contributions, and implementing a carve-out plan design. It encourages analyzing plans for customization and fiduciary support.
1847 Holdings LLC (1847) seeks to provide non-correlated returns by combining the most attractive attributes of owning private, lower-middle market businesses with the liquidity and transparency of a publicly traded company. 1847’s unique structure permits flow-through tax treatment for shareholders. As a result, 1847 will seek to generate returns for shareholders through consistent, annual distributions of operating subsidiary income and capital appreciation resulting from the timely sale of operating subsidiaries. 1847’s current portfolio includes Neese Inc., an agricultural industry services company with a 27-year operating history and growing market share in waste disposal services, and Goedeker’s, one of the top-30 largest appliance retailers in the country.
This document provides an outline for Chapter 14 of a textbook on managing credit risk under Basel III. It discusses collateralized debt obligations (CDOs), including their characteristics, rating, assessment, design and appendices. The chapter covers topics such as cash flow and synthetic CDOs, tranching, and the functional purposes and rating of CDOs.
This document provides an investment analysis of Waddell & Reed Financial, Inc. (WDR) stock. The analyst initiates coverage with a "Sector Perform" rating and $30 price target. While recent equity fund outflows have declined and fixed income has seen strong inflows, short-term fund performance has been weak, particularly in the two largest equity funds. Macroeconomic challenges and a potential shift in consumer behavior also pose risks. However, initiatives to attract new assets and strong long-term performance provide some positives. Overall, the shares are considered fairly valued at current levels.
Chapter 18 internal ratings based approachQuan Risk
This document summarizes Chapter 18 of the textbook "Managing Credit Risk Under The Basel III Framework, 3rd ed". It discusses the internal ratings-based approach (IRB) for calculating capital requirements under Basel III. The IRB approach allows banks to use their own estimates of probability of default (PD), loss given default (LGD), and exposure at default (EAD) in the capital calculation. The document outlines the IRB formulas for different exposure types including retail, corporate, and institutional exposures. It also discusses credit risk mitigation techniques within the IRB approach.
סלינגר למנכ"לי חברות הביטוח: חזקו את ההון הראשוני
בערב העיון השנתי לענף הביטוח שערך מכון קסירר אמרה המפקחת על הביטוח דורית סלינגר כי רמת ההון הראשוני של חברות הביטוח נמוכה מאוד. "אנו מצפים מהחברות להגדיל את ההון הראשוני שלהן, וכדאי שזה ייעשה באופן עצמאי ושהרגולטור לא ייאלץ להתערב" – אמרה סלינגר לראשי החברות
The Case For Impact Mezzanine Finance in Emerging MarketsPabloVerra
A primer developed for general partners, limited partners, large and small companies and the general public with an interest in optimizing financial structures in Emerging Markets. The presentation makes the case for general partners to deploy further mezzanine-dedicated funds in developing economies.
Impact Investing: Flavor of the Month or Here to Stay?PabloVerra
A presentation delivered at the Impact Investment webinar at Universidad Torcuato Di Tella, introducing the main aspects of impact investment and the latest trends in Latin America.
Power point presentation from the small business administration (pdf)CVSSurveyors701
CVS Surveyors has an excellent track record.In rating we have an average reduction rate of 9.2%,an industry enviable average.In rent we have reduced our Clients rent liabilities by an average of 10.4%.
There are many sources of financing available to a business owner. David Lerner Associates offers this list of loan sources - it should provide some ideas.
Creating A Retirement Paycheck Client Usechadhendrix
The document discusses creating a retirement paycheck and summarizes various retirement income strategies and products. It outlines challenges facing retirees today compared to past generations, such as declining social security benefits and increased healthcare costs. It then summarizes different income sources like annuities, systematic withdrawals, and different annuity types including immediate, deferred, fixed and variable options. It provides a hypothetical case study of a retiree using a mix of products to generate retirement income.
Leveraged Planning Solutions are financial strategies designed for business owners. They allow business owners to use funds from a commercial loan to invest large sums tax-deferred through an insurance or annuity product. This leverages the business owner's funds to grow tax-deferred over time. A case study examines how a $1 million loan at competitive rates could provide a physician business owner over $3 million in tax-free retirement income starting at age 65 through an indexed universal life policy. Leveraged Planning Solutions offer business owners flexible financing options to fund tax-advantaged retirement plans.
This document is a presentation on the internal ratings-based (IRB) approach for calculating capital requirements under Basel III. It includes outlines, definitions, formulas and examples for calculating key risk metrics like exposure at default, loss given default, probability of default, expected loss, unexpected loss and capital requirements under the retail, advanced, and foundation IRB approaches. Formulas vary depending on the type of exposure, such as residential mortgages, corporate exposures, or financial institutions. The document also discusses credit risk mitigation techniques.
Get to know what I do (Group Benefits/Group Investments)Kevin Green
I have uploaded this presentation to give business owners a better understanding of how we work with them on group benefits and group investments. It explains our added-value approach - implementing the plan plus working with employees on their personal financial planning needs. Enjoy!
- Two new reports advise retirees to invest less in stocks and more in annuities, with one report recommending just 5-25% in stocks to minimize risk of running out of money.
- The GAO report also recommends annuities to avoid outliving savings, as well as delaying social security, working longer, investing wisely, and withdrawing no more than 3-6% annually in retirement.
- While annuities protect against outliving savings, experts say more education is needed to help people understand retirement savings needs and goals before focusing on products.
What Not to Do In Equity: The Hexagon of Equity PitfallsPabloVerra
If you are an impact investor, you should beware of the infamous hexagon of equity pitfalls. Clearly, avoiding these 6 rather common traps will not guarantee you record-breaking IRRs but, at least, you would not be making what I consider, in my humble opinion, 6 avoidable mistakes in equity investing.
KAG Group is a prominent corporate advisory group and full-service investment banking company in the region. Within a decade, KAG has grown to engage more than 250 business houses and serve as a thought leader by seeking innovative solutions. KAG was conceptualized by a group of experienced professionals and provides bespoke solutions to client leaders in various industries based on its domain expertise in capital raising, advisory, and other corporate services such as CFO assistance, transaction advisory, audit, tax, and corporate law services.
Joint Presentation On Hud & Sba 2011mlhommedieu
This document summarizes an upcoming session on navigating credit opportunities through HUD and SBA financing programs. It provides contact information for various speakers and an overview of their objectives to explain recent legal changes to HUD's LEAN program and SBA financing through case studies and examples. It also outlines key aspects of various HUD and SBA loan programs including purposes, terms, requirements and eligibility guidelines.
DSLBD and our partners at the Small Business Administration (SBA), KPMG Spark and HSBC hosted a special small business webinar on Thursday, April 30 to discuss the DC Capital Connector - a District Government online tool that provides access to capital for small businesses - and other funding opportunities for District-based small businesses.
The document discusses lessons learned from Rhode Island's HEALTHpact plan, a state-sponsored small group health insurance product, noting that the plan suffered from poor design including a lack of subsidies, poor value, and complexity, as well as a failure to secure buy-in from insurers and brokers and provide adequate resources for outreach and oversight. Key lessons included the importance of subsidies, securing stakeholder buy-in, allocating outreach and oversight resources, and keeping wellness incentives relatively simple.
This document summarizes General Electric Capital Corporation's (GECC) resolution plan as required by regulators. It identifies GECC's material entities, which are grouped as operating entities and corporate treasury service entities. GECC operates five core business lines: Commercial Lending and Leasing, Consumer, Real Estate, Energy Financial Services, and GE Capital Aviation Services. The resolution plan provides details on winding down GECC's operations in a hypothetical scenario without government or GE support.
This document summarizes a client's current financial situation, including:
- Current life insurance policies for the client and spouse.
- Debts, income, mortgage, and education details.
- Assets categorized as taxable, tax-deferred, or tax-advantaged and how the client intends to use each asset.
- Personal details for the client and spouse such as names, dates of birth, employment, and retirement goals.
The document appears to be from a financial advisor seeking to provide an overview of a client's finances and recommendations to improve their financial independence and planning.
Everyone wants to be more financially secure, but don't know the basics of how to get there. This presentation is a roadmap with seven simple rules for financial success. It is part of a series of seminars offered by Saunders Learning Group on personal money management. You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
The document is a 2Q17 institutional presentation that provides an overview of Pine including:
- Pine's history and profile as a specialized bank providing financial solutions for corporate clients with knowledge of Brazil's credit cycles.
- Pine's business strategy, competitive advantages, and focus on client service.
- Details on Pine's corporate credit, FICC, and investment banking divisions.
- Pine's strategic partnerships and commitment to corporate governance and social responsibility.
- An economic overview of Brazil and macroeconomic indicators.
The document discusses the various aspects of the nature and scope of management. It defines management as the art and science of organizing and directing human efforts applied to control forces and utilize materials for the benefit of man. It describes management as having a dynamic, scientific, and artistic nature. Management is also discussed as a profession, universal process, and system. The key functions of management like production, marketing, finance, and personnel management are also summarized.
You might have a billion dollar business idea that will make you nearly as much rich annually as you imagine but what happens if you do not have a billion dollar to get it to reality? For a business to thrive you might need a website, a technical team, a work space. All these cost money and it is not always easy to find sources of funding that might meet the increasing demand of money as your business grows. Therefore, you should be keen from the very beginning to handling the monetary issues and be solid in start- up funding.
The Case For Impact Mezzanine Finance in Emerging MarketsPabloVerra
A primer developed for general partners, limited partners, large and small companies and the general public with an interest in optimizing financial structures in Emerging Markets. The presentation makes the case for general partners to deploy further mezzanine-dedicated funds in developing economies.
Impact Investing: Flavor of the Month or Here to Stay?PabloVerra
A presentation delivered at the Impact Investment webinar at Universidad Torcuato Di Tella, introducing the main aspects of impact investment and the latest trends in Latin America.
Power point presentation from the small business administration (pdf)CVSSurveyors701
CVS Surveyors has an excellent track record.In rating we have an average reduction rate of 9.2%,an industry enviable average.In rent we have reduced our Clients rent liabilities by an average of 10.4%.
There are many sources of financing available to a business owner. David Lerner Associates offers this list of loan sources - it should provide some ideas.
Creating A Retirement Paycheck Client Usechadhendrix
The document discusses creating a retirement paycheck and summarizes various retirement income strategies and products. It outlines challenges facing retirees today compared to past generations, such as declining social security benefits and increased healthcare costs. It then summarizes different income sources like annuities, systematic withdrawals, and different annuity types including immediate, deferred, fixed and variable options. It provides a hypothetical case study of a retiree using a mix of products to generate retirement income.
Leveraged Planning Solutions are financial strategies designed for business owners. They allow business owners to use funds from a commercial loan to invest large sums tax-deferred through an insurance or annuity product. This leverages the business owner's funds to grow tax-deferred over time. A case study examines how a $1 million loan at competitive rates could provide a physician business owner over $3 million in tax-free retirement income starting at age 65 through an indexed universal life policy. Leveraged Planning Solutions offer business owners flexible financing options to fund tax-advantaged retirement plans.
This document is a presentation on the internal ratings-based (IRB) approach for calculating capital requirements under Basel III. It includes outlines, definitions, formulas and examples for calculating key risk metrics like exposure at default, loss given default, probability of default, expected loss, unexpected loss and capital requirements under the retail, advanced, and foundation IRB approaches. Formulas vary depending on the type of exposure, such as residential mortgages, corporate exposures, or financial institutions. The document also discusses credit risk mitigation techniques.
Get to know what I do (Group Benefits/Group Investments)Kevin Green
I have uploaded this presentation to give business owners a better understanding of how we work with them on group benefits and group investments. It explains our added-value approach - implementing the plan plus working with employees on their personal financial planning needs. Enjoy!
- Two new reports advise retirees to invest less in stocks and more in annuities, with one report recommending just 5-25% in stocks to minimize risk of running out of money.
- The GAO report also recommends annuities to avoid outliving savings, as well as delaying social security, working longer, investing wisely, and withdrawing no more than 3-6% annually in retirement.
- While annuities protect against outliving savings, experts say more education is needed to help people understand retirement savings needs and goals before focusing on products.
What Not to Do In Equity: The Hexagon of Equity PitfallsPabloVerra
If you are an impact investor, you should beware of the infamous hexagon of equity pitfalls. Clearly, avoiding these 6 rather common traps will not guarantee you record-breaking IRRs but, at least, you would not be making what I consider, in my humble opinion, 6 avoidable mistakes in equity investing.
KAG Group is a prominent corporate advisory group and full-service investment banking company in the region. Within a decade, KAG has grown to engage more than 250 business houses and serve as a thought leader by seeking innovative solutions. KAG was conceptualized by a group of experienced professionals and provides bespoke solutions to client leaders in various industries based on its domain expertise in capital raising, advisory, and other corporate services such as CFO assistance, transaction advisory, audit, tax, and corporate law services.
Joint Presentation On Hud & Sba 2011mlhommedieu
This document summarizes an upcoming session on navigating credit opportunities through HUD and SBA financing programs. It provides contact information for various speakers and an overview of their objectives to explain recent legal changes to HUD's LEAN program and SBA financing through case studies and examples. It also outlines key aspects of various HUD and SBA loan programs including purposes, terms, requirements and eligibility guidelines.
DSLBD and our partners at the Small Business Administration (SBA), KPMG Spark and HSBC hosted a special small business webinar on Thursday, April 30 to discuss the DC Capital Connector - a District Government online tool that provides access to capital for small businesses - and other funding opportunities for District-based small businesses.
The document discusses lessons learned from Rhode Island's HEALTHpact plan, a state-sponsored small group health insurance product, noting that the plan suffered from poor design including a lack of subsidies, poor value, and complexity, as well as a failure to secure buy-in from insurers and brokers and provide adequate resources for outreach and oversight. Key lessons included the importance of subsidies, securing stakeholder buy-in, allocating outreach and oversight resources, and keeping wellness incentives relatively simple.
This document summarizes General Electric Capital Corporation's (GECC) resolution plan as required by regulators. It identifies GECC's material entities, which are grouped as operating entities and corporate treasury service entities. GECC operates five core business lines: Commercial Lending and Leasing, Consumer, Real Estate, Energy Financial Services, and GE Capital Aviation Services. The resolution plan provides details on winding down GECC's operations in a hypothetical scenario without government or GE support.
This document summarizes a client's current financial situation, including:
- Current life insurance policies for the client and spouse.
- Debts, income, mortgage, and education details.
- Assets categorized as taxable, tax-deferred, or tax-advantaged and how the client intends to use each asset.
- Personal details for the client and spouse such as names, dates of birth, employment, and retirement goals.
The document appears to be from a financial advisor seeking to provide an overview of a client's finances and recommendations to improve their financial independence and planning.
Everyone wants to be more financially secure, but don't know the basics of how to get there. This presentation is a roadmap with seven simple rules for financial success. It is part of a series of seminars offered by Saunders Learning Group on personal money management. You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
The document is a 2Q17 institutional presentation that provides an overview of Pine including:
- Pine's history and profile as a specialized bank providing financial solutions for corporate clients with knowledge of Brazil's credit cycles.
- Pine's business strategy, competitive advantages, and focus on client service.
- Details on Pine's corporate credit, FICC, and investment banking divisions.
- Pine's strategic partnerships and commitment to corporate governance and social responsibility.
- An economic overview of Brazil and macroeconomic indicators.
The document discusses the various aspects of the nature and scope of management. It defines management as the art and science of organizing and directing human efforts applied to control forces and utilize materials for the benefit of man. It describes management as having a dynamic, scientific, and artistic nature. Management is also discussed as a profession, universal process, and system. The key functions of management like production, marketing, finance, and personnel management are also summarized.
You might have a billion dollar business idea that will make you nearly as much rich annually as you imagine but what happens if you do not have a billion dollar to get it to reality? For a business to thrive you might need a website, a technical team, a work space. All these cost money and it is not always easy to find sources of funding that might meet the increasing demand of money as your business grows. Therefore, you should be keen from the very beginning to handling the monetary issues and be solid in start- up funding.
The document discusses career opportunities in finance for MBA graduates, including in commercial banking, private banking/wealth management, accounting, corporate finance, and financial operations. It provides overviews of the different roles within each field, such as credit analysts, relationship managers, and treasury managers in commercial banking, and investment advisors and relationship builders in private banking. It also outlines typical career paths, such as starting as an associate and progressing to senior associate, manager, and partner at accounting firms.
IBM Global Finance - Building strong IT Business Cases in the New Economic WorldVincent Kwon
This document discusses how IT projects can be approved in the new economic world. It outlines the challenges facing CFOs, including constraints on access to credit and the need to prioritize short-term financial matters. It then provides advice on addressing the priorities of finance departments by cutting costs, increasing productivity, and seeking alternative financing such as leasing. The document recommends focusing business cases on metrics like ROI, clarity on benefits, and clear execution plans to gain project approval from CFOs.
BlackLine and The Hackett Group hosted an event in May 2016 to highlight the importance of using modern technology to make workflow for finance and accounting professionals.
The document discusses the modern finance organization in the digital age. It describes how digital technologies like cloud, social, mobile and big data are transforming industries and business models. This is creating new tensions as the C-suite tries to prioritize initiatives for customer focus, social media, and data demands. Forward-looking CFOs are creating modern finance organizations that can support agile digital business models through new best practices for key processes like reporting, planning, procurement and project management. Modern CFOs also act as business catalysts and technology evangelists to identify needs and partner across the organization.
The document summarizes different theories of money including state money, credit money, and functional finance. It argues that modern money is best understood as endogenous money created through credit and debt relations within a system where the state establishes the unit of account used to measure taxes and sets the rules for what qualifies as money through legal tender laws and central bank operations. The value of money is maintained through the tax obligations that citizens need money to fulfill.
This document discusses business finance, including definitions, types, and sources. It defines business finance as planning, raising, managing, and controlling capital funds used in connection with business. Business finance involves arranging cash and credit to allow a business to achieve its objectives. A business requires both fixed and working capital for various purposes like starting operations, meeting expenses, and financing growth. Sources of funds include owner's funds like retained earnings and borrowed funds like bank loans, debentures, public deposits, trade credit, and commercial papers.
Role of Finance and Accounting Outsourcing in achieving the CFO’s Agenda for ...WNS Global Services
The demand for finance and accounting outsourcing (FAO) services is strong and will continue to grow in 2010, according to the findings of The WNS Annual CFO Survey 2010.
The study consisted of an online survey of 100 senior finance executives in organizations with revenues of over $3 billion. The survey was designed to identify and analyze key items on the CFO's agenda and assess how alternative service delivery models such as business process outsourcing are used to address these agendas.
Some of the key findings include:
- Over 75 percent of the finance executives plan to expand their outsourcing programs in 2010
- Driving corporate cost cutting efforts and improving internal controls are the two most crucial issues in 2010
- Forty-four percent of the finance executives believe growing the business will be an organizational imperative in 2010
- Over 85 percent of the finance executives are satisfied with the benefits from FAO
"The survey clearly suggests that FAO has become a mainstream tool as 85 percent of respondents say they are satisfied with the benefits. While FAO has been commonly used to reduce cost of operations, it is increasingly becoming more strategic, focusing on transforming F&A operations," said Sulakshana Patankar, Business Unit Leader, WNS Finance and Accounting Solutions. "It is extremely encouraging to note that respondents who outsource plan to increase the scale of their programs in 2010, expanding both processes in scope and adding business units and geographies."
The survey was commissioned by WNS (Holdings) Limited (NYSE: WNS) and conducted by EquaSiis, an EquaTerra company.
For the findings and additional details about The WNS Annual CFO Survey 2010, please visit www.wns.com/financeandaccounting.
View the presentation that was given at Finance Connect Mumbai on Tuesday June 10th by Jennifer Grazel, LinkedIn's Global Head of Category Development - Financial Services.
Understand the Trends in the financial sector around social. Learn about the results from Mass Affluent study for India and global case studies on finance.
Finance trends Modernizing finance in private companiesDeloitte Canada
Finance trends: Modernizing finance in private companies is based on a survey of Canadian CFOs and finance leaders conducted in the summer of 2016. The report examines the current roles of finance, and the capabilities both CEOs and CFOs expect their finance teams to have within the next few years. The report also offers a framework to help CFOs evaluate their finance teams' current capabilities and identify the core competencies they will need to help their companies successfully manage a disruptive event.
The document discusses a project proposal for establishing an online integrated blood bank database and information system in Quetta, Pakistan. The key points are:
1. The project aims to connect multiple blood banks through an online database and website to better coordinate blood supply and demand.
2. The deliverables will be an integrated database system and website allowing customers to find blood groups and donors to schedule donations.
3. The project will be implemented over 175 days and includes establishing the database, developing the website, setting up the physical infrastructure, and conducting promotions.
The document discusses career opportunities for graduates with an MBA in finance. It outlines several roles such as finance manager, treasury accountant, accounting analyst, financial analyst, private equity analyst, hedge fund analyst, investment banking analyst, stock market research analyst, investment consultant, and chief financial officer. These roles require skills in areas like financial management, accounting, analysis, and modeling. The document encourages readers to pursue an MBA from a reputable institution if they want to make a career working with numbers and finances.
Modern finance theory emphasizes several key concepts:
1. Portfolio theory holds that investors can reduce unsystematic risk through diversification and should be concerned only with systematic market risk.
2. The Capital Asset Pricing Model describes the relationship between risk and expected return, with beta measuring a stock's systematic risk.
3. The efficient market hypothesis suggests various degrees to which markets incorporate information, from weak to semi-strong to strong form efficiency.
4. Option pricing theory, including the Black-Scholes model, provides a framework for valuing options based on assumptions like random stock prices and known interest rates.
The document discusses the importance of understanding financial information and statements for small business owners. It emphasizes that cash flow is more important than profit alone. It also stresses that owners should understand how their credit report and score can impact operations by affecting their ability to get financing or credit. Finally, it provides tips for interacting with lenders and highlights key factors like having a written business plan.
This document provides information on determining financing needs and sources of funding for businesses. It discusses evaluating how much capital is needed and whether existing cash flow can be used more effectively. Various sources of funding are outlined, including microloans, bank loans, SBA loans, equity funding from friends and family, crowdfunding, angel investors, and venture capitalists. It also covers the differences between equity and debt financing and important considerations for lenders such as ability to repay, credit history, and collateral.
Corporate Finance for Early & Growth Stage CompaniesBoast Capital
This document provides an overview and agenda for a presentation on corporate finance for early and growth stage companies. The presentation will cover topics such as shareholder loans, debt versus equity, capital structure considerations, employee incentives, the regulatory framework, non-institutional financings, and institutional private equity. It emphasizes that successful startups utilize multiple types and sources of capital and carefully manage their capital structure. The presentation aims to help companies understand key questions around financing and capitalization.
Organizational structure for your businessMarc Parham
This document discusses structuring a business, including managing internal and external environments. It addresses organizational structure, legal structures like LLCs and corporations. Managing the internal environment includes human resources issues like ensuring communication, balancing schedules to reduce stress, and setting employee duties, tasks and responsibilities. Managing the external environment involves government agencies' impact and how to work with them. Effective management and developing a strong business team are also discussed.
What is EQUITYMULTIPLE? This presentation touches on what we are, why we are, and how we are different from other real estate "crowdfunding" platforms. For more info, please visit www.equitymultiple.com and/or contact info@equitymultiple.com
The document discusses strategies for raising capital and securing financing. It outlines an agenda for a panel discussion on the topic, including presentations on debt financing from Wellington Financial and government programs from Ontario Capital Growth Corporation. It also discusses equity financing from Management Initiatives. The panelists will be Mark Usher, John Marshall, and Andrew Wilkes.
Discover a New Funding Option - Revenue Based Financing Lighter Capital
Get Your Growth Capital Beyond VCs, Angels and Banks.
In this webinar, BJ Lackland, CEO at Lighter Capital explains why revenue-based financing is a better funding option for growing companies. Watch and learn:
-What's Revenue Based Financing
-Who It's Designed For and How to Decide if it's For You
-How Does It Compares to Other Funding Options like Angels, VCs, and Banks
Revenue Based Financing: Why it Works for Growing Technology Companies Lighter Capital
Get Your Growth Capital Beyond VCs, Angels and Banks.
In this webinar, BJ Lackland, CEO at Lighter Capital explains why revenue-based financing is a better funding option for growing technology companies. Watch and learn:
-What's Revenue Based Financing
-Who It's Designed For and How to Decide if it's For You
-How Does It Compares to Other Funding Options like Angels, VCs, and Banks
Marketing to Reach Your Members (Credit Union Conference Session Presentation...NAFCU Services Corporation
A recent survey suggests that mortgage professionals have a low rank in terms of credibility in the market place. When marketing to consumers, credit unions need to focus on the messages they deliver to establish a higher level of trust. Why should they do business with my credit union? Why should they do business with me? In this presentation, we will examine methods on how credit unions can set themselves apart and successfully market mortgage insurance to consumers. For more info, visit: www.nafcu.org/genworth
InKnowVision June 2012 HNW Technical Webinar 1 - Valuation PlanningInKnowVision
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Similar to Business Financing Options Workshop Batesville July (20)
This document provides an overview of social media marketing and how to develop an effective social media plan. It discusses listening to conversations on social media to understand customers and competitors, creating targeted customer profiles, setting specific goals for social media use, joining conversations by creating and sharing valuable content, and measuring return on investment both qualitatively and quantitatively. The document also provides recommendations for tools to support various aspects of social media marketing like monitoring, content creation, content curation, time saving, and analytics.
Sharing the latest U.S. Small Business Administration's Arkansas Resource Guide, 2013-2014 by the Arkansas State University Small Business and Technology Development Center. This is a great resource for any Arkansas small businesses or entrepreneurs to make them more successful and to find resources available to help them grow.
Arkansas State University Small Business and Technology Development Center flyer for Affordable Care Act for Small Business free workshops to be offered in Jonesboro, AR on November 21st.
The Arkansas Small Business and Technology Development Center, partnering with the Arkansas Health Connector is offering free 2 hour training seminars across the state on the Affordable Care Act for Small Businesses.
As a small business owner, learn what you need to know to successfully Navigate the Affordable Care Act at any of these free, 2 hour workshops. The seminars are free but must re-register. Additional information and registration process in the flyer
Notes for the Batesville, AR Next Level Business Boot Camp class to download. On night 2 discussed market research assistance available to small businesses, A local lender discussed cash flow and began discussions on small business marketing tips in this presentation.
The program is conducted by the Arkansas State University Small Business and Technology Development Center to small businesses in the North-central Arkansas area. Sponsored by Batesville Area Chamber of Commerce, Independence County Economic Development, Inc., Citizens Bank, First Community Bank, Liberty Bank of Arkansas & Merchant and Planters Bank
This document advertises and provides information about upcoming seminars hosted by the Arkansas Small Business and Technology Development Center (ASBTDC) on navigating the Affordable Care Act. It lists three seminars to be held in November and December 2013 in Jonesboro and Batesville, Arkansas. The seminars are free but registration is required. It provides contact information for registering by phone or online and notes the locations and times. Policies on registration, fees, refunds, ADA accommodations, and inclement weather are also outlined.
Opportunity for Independence County Arkansas small businesses to take their companies to the next level of growth and profitability. A 6 night business series hosted by the Arkansas State University Small Business and Technology Development Center, co-sponsored by the Batesville Area Chamber of Commerce, Independence County Economic Development office, Citizens Bank, First Community Bank, Liberty Bank of Arkansas and the Merchant & Planters Bank.
Each night the class covers specific topics including market research, marketing (on and off line), cash flow budgeting and planning, financing options for growth, creating a winning management team and more.
Details on the flyer. Starts Tuesday, October 15th for six consecutive Tuesday evenings (6-9 pm) on the University of Arkansas Community College in Batesville campus.
This document provides an overview of a seminar on advanced Facebook marketing techniques presented by Herb Lawrence from the ASU Small Business and Technology Development Center. The seminar covers topics like understanding Facebook users and goals, optimizing Facebook pages, creating engaging posts, running contests and promotions, and using tools like hashtags and insights. It includes slides on setting goals for Facebook, best practices for content and scheduling posts, and resources for further reading. The document aims to help businesses better leverage Facebook for marketing.
Updated flyer of small business workshops to be offered in October 2013 for Northeast and North-Central Arkansas from the Arkansas State University Small Business and Technology Development Center.
Flyer prepared by the Arkansas State University Small Business and Technology Development Center to notify area small businesses and entrepreneurs about an upcoming workshop: Small Business Financing Options to be held Thursday, October 24th 1-4 pm at the ASU Delta Center for Economic Development 319 University Loop West on the ASU campus in Jonesboro, AR 72401
Topics will cover :
• Sources of Capital,
• Developing a Funding Request,
• Government Funding Assistance Programs for small businesses,
• Local funding sources, the truth about GRANTS and
• much more.
Additional information and registration at http://tinyurl.com/SmallbizloansJboro.
Powerpoint used by Herb Lawrence Arkansas State University Small Business and Technology Development Center in presentation to the Arkansas Pest Management Association's annual meeting in Little Rock. Lawrence discussed basics of online marketing tools for small businesses, specifically for use by small Pest Management companies
Flyer for Business Boot Camp to be offered in Batesville, Arkansas beginning Tuesday, October 15th from the Arkansas State University Small Business and Technology Development Center. The "Next Level" course is a 6 night program to help existing businesses grow their companies through expert speakers, small group discussions and training from small business consultants. Topics include Marketing, operations, financing, cash flow & budgeting and more. The program will run 6 Tuesday evenings at the University Of Arkansas Community College in Batesville beginning Tuesday, October 15th. Co-sponsors of the event includes the Batesville Area Chamber of Commerce, Independence County Economic Development, Inc., UACCB, Citizens Bank, First Community Bank, Liberty Bank of Arkansas and Merchant and Planters Bank.
Flyer by the Arkansas State University Small Business and Technology Development Center for an Advanced Facebook Marketing workshop to be held in Mountain Home, AR On Tuesday, September 24th at the Baxter County Library. Registration and additional information on the flyer. The seminar is co-sponsored by the Mountain Home Area Chamber of Commerce, Norfork Lake Chamber of Commerce, Baxter County Regional Library, Arkansas State University-Mountain Home, First Community Bank, First National Banking Company and Liberty Bank of Arkansas
Powerpoint presentation in Mountain Home, Ar for Baxter County area small businesses to learn how to claim and optimize search for their local businesses. Conducted by the Arkansas State University Small Business and Technology Development Center sponsored by the Mountain Home Area Chamber of Commerce and Baxter County Library.
The class discussion included what is local search and why it matters, how to optimize local businesses for local search, discussions on citations and reviews
The document provides guidance on obtaining a business loan. It discusses preparing a complete business plan that addresses the business concept, ownership, management, market, location, suppliers, competition, and financial projections. The presentation to the loan officer should introduce the request, state the purpose and repayment terms, and have the business and financial statements ready to answer questions. The loan officer will consider the Five C's of Credit - character, capacity, collateral, capital, and condition - in their evaluation. Borrowers are advised to communicate regularly with the loan officer after closing and pay on time.
Flyer prepared by Arkansas State University Small Business and Technology Development Center for an Advanced Facebook Marketing workshop to be held Wednesday, September 11th, 1-4 pm at the Batesville Area Chamber of Commerce.
Training workshops for small business owners and entrepreneurs in Northeast & North-Central Arkansas for September-October 2013 by the Arkansas State University Small Business and Technology Development Center. Information about each workshop, registration and location at the ASU SBTDC website http://www.astate.edu/a/sbtdc/ or call (870) 972-3517
Powerpoint of presentation to area small business owners on using Facebook techniques to improve online connections with fans. Created and presented by the Arkansas State University Small Business and Technology Development Center for Advanced Facebook Marketing workshop held at the ASU Delta Center Thursday, August 8th 1-4 pm.
Powerpoint presented by the Arkansas State University Small Business and Technology Development Center for a Fundamentals of LinkedIn seminar presented on the ASU campus Thursday, July 25th. Presentation walked attendees through basics of Why LinkedIn is a valuable network for business professionals, how to set up profiles including discussions on endorsements, company pages, making connections, groups and more.
Fundamentals of LinkedIn for Small Business Workshop flyer created by the Arkansas State University Small Business and Technology Development Center. This 3 hour workshop will be held at the ASU Delta Center for Economic Development, 319 University Loop West in Jonesboro, AR on Thursday, July 25th from 1-4 pm. Attendees will learn the basics of using this 225 MILLION + member professional network to include how to set up a profile, company pages, leveraging LinkedIn Status Updates, Connecting with others, Groups, and more. Details to register on the flyer.
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30. Takes forever to get money
Requires a “ton” of paperwork
Offers low interest rates
Provides grants
31. Real estate investments
Other speculative activities
Lending activities
Not-for-profit ventures
Pyramid sales or distribution businesses
Illegal activities
Religious indoctrination
Activities of a sexual nature
Businesses not open to the general public
32. Businesses must meet SBA size standards to
qualify (maximums):
◦ Manufacturing: 500 to 1,500 employees
◦ Wholesaling: 100 employees
◦ Services: $7 to $35.5 million in average annual
receipts
◦ Retailing: $7 to $35.5 million average annual
receipts
◦ General Construction: $7 to $33.5 million
average annual receipts
http://www.sba.gov/content/summary-size-
standards-industry
33. Borrowers on probation or parole
Borrowers with serious criminal histories
Borrowers that are 90 days or more
delinquent on other federal government
guaranteed loans
(FHA, VA, USDA, HUD, student loans, etc.)
Borrowers of poor character
34. Finance floor plan needs (specific program for that)
Purchase real estate for investment purposes
Disbursements to owners or principals
Pay delinquent trust accounts (withholding or sales
tax)
Refinance delinquent debt within a bank
Acquisition of less than 100% of a business
35. SBA loan proceeds can be used for most
business purposes including real
estate, buildings, equipment, inventory, worki
ng capital, and leasehold improvements
36. 7(a) Loan Guaranty Program
SBA Express
Patriot Express
504 Loan Program
MicroLoans
37. SBA guarantees (insures) the loan, reducing
the risk to the lender.
Borrower must secure a participating lender.
No minimum loan size. Maximum loan size
is $5 million.
38. 25 years Real Estate
10 years Equipment
7 years Inventory, Accounts Receivable,
Working Capital
39. Fixed or variable
Maximum: Prime + 2.75% for terms of 7yrs or
more
40. 2% for loans of $150,000 or less
3% for loans over $150,000 to $700,000
3.5% for loans over $700,000
Guaranteed portion over $1,000,000:
$35,000 + 3.75% on guaranteed portion over
$1 million
41. Lender must be PLP
Maximum loan $350,000
Lender applies for 50% loan guaranty
Lender handles approval and issuance
42. Loans up to $500,000 by lender approved for SBA
Express (PLP)
Lender applies for 85% guaranty for loans of
$150,000 or less
Lender applies for 75% guaranty for loans over
$150,000 up to $500,000
Interest rates same as 7(a) loans
Lender handles approval and issuance
43. Long-term, fixed rate financing for
acquisition and/or renovation of capital
assets including land, buildings and
equipment (no working capital)
Loan backed by a debenture sold to
investors
Maximum debenture:
◦ $1.5 million for business that create certain
number of jobs or improve the economy of the
locality
◦ $2 million for businesses meeting a specific
public policy goal
◦ $4 million for manufacturers
44. Temporary program allowing for refinance of
existing real estate debt
Loan must have maturity or balloon before
Dec. 31, 2012
Borrower must work with SBA approved CDC
and third party lender
45. Draft a business plan
Prepare loan proposal (SBTDC assistance)
Present loan proposal to lender
Lender reviews and forwards applications to
SBA Processing Center (Hazard or Citrus
Heights) for consideration
47. SBA is a Repayment Lender, meaning their
primary concern is the ability to repay the
loan from business operations.
◦ Cash Flow
◦ Working Capital
48. Historical financial statements and/or
projections must demonstrate that cash flow
is sufficient to service proposed level of debt.
Projections will be compared to industry
standards and demographics will be
considered.
50. Application must demonstrate that, through
education or experience, borrower is capable
of successfully operating the business or has
hired competent management.
51. SBA does not approve 100% funding requests.
Net worth of existing businesses and/or
borrower injection must establish a
reasonable equity position, reasonable being
determined by the risk.
52. SBA will not decline a loan ONLY due to a lack
of collateral.
To protect taxpayer dollars, loans must be
secured as fully as possible.
54. No pre-payment penalty on loans with
maturity of less than 15 years
No balloons
Patient partners
Relaxed credit requirements
Flexible loan terms
64. National certification program to certify
socially and economically disadvantaged
businesses to help secure government
contracts for goods and services.
Recognized by state, federal, and local
governments and prime contractors
SBA Contact: Wanda May 501.324.7379
66. Draft business plan
Complete pre-application loan worksheets
Gather requested information
Schedule appointment (870.972.3517)
◦ Robert Bahn, Business Consultant
◦ Laura Miller, Lead Business Consultant
◦ Herb Lawrence, Center Director
Starting or operating a firm is difficult. Among your many tasks, you have to beat the competition and turn a profit or you will soon be among that 80 percent of firms that don’t make it.Making a profitHow many hats can you wear?
Flow chart
I think I’m making a profit so why don’t I have any cash?Sales 10 (Cash collected 0)Exp 9Profit 1
Administered through CADC’s Individual Development Account and Money Management training programCovers 10 classes ranging from banking and credit to saving and investing.IDAs are matched savings accounts. For every dollar the participant saves, CADC matches it through grant funds with $3.Approved uses: open or expand a small business, help pay for college expenses, purchase a home, or make home repairs.Participants can receive up to $2,000 per individual or $4,000 per family.Certain personal income criteria apply.
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SBA goal is to provide a response in 14 working daysPaperwork is streamlined. Same as a bank requires.No low interest loans, but caps interest rates. It is not a government loan, it is a bank loan. Several years ago, minority low-interest loans existed, but no longer. Maximum interest rate is 2.75% over prime (WSJ). Rates are variable, but no balloon features.No free money from the government! Unless SBIR: Small business innovative research grant provides free funding for pre-commercialization market testing.
No Flipping houses, no rentals.No wildcatting for oil and dealing in commodities futures. No coins and stamps. No gambling.Must be for-profit venture (no 501c3 status).No pyramids: Avon, Mary Kay, Amway (where focus is on signing up and recruiting others).No illegal stuff, obviously.Christian bookstore ok if no classes or indoctrination on site.No brothels, adult bookstores, etc.Fitness Centers, such as Curves for Women, must have male restroom and open membership.
Catch up on federal loan before applying. If you defaulted on a federal loan, don’t waste your time. Cannot have tax liens.Bankruptcy with restitution is ok.If child support is delinquent, forget it.
Cannot buy into a business (part ownership)No speculative businesses (i.e. flipping houses, mini storage)Cannot get your money back to put into your pocket.No payments for fiduciary accounts (not your money to begin with).Must be less than 30 days on payment or must go to another bank (no bank bailout).Cannot buy a piece of the business—all partners must sign the loan.
Borrower must secure the lender (not done by SBTDC).Typically commercial loans for less than $25,000 are courtesy loans.Bank can require 3rd party to co-sign loan, but SBA cannot.
SBA encourages longer terms but maturities are based on the ability to repay, purpose of loan proceeds, and useful life of the assets
Interest rates are negotiable between lender and borrower, subject to SBA maximumCan be fixed or variable or combinationBase rate is WSJ primeVariable rate can be adjusted monthly, quarterly, annually, or multiple years (Express can be daily)Balloon payments, demand and renewal features are not permitted
To offset costs to taxpayers, SBA charges a guaranty fee and servicing fee to lender (which is passed to borrower)Guaranty fee is a one-time fee due within 90 days of closing based on gross loan amount
Lender must be preferred lender (application/approval process).It is an instant loan with a 50% guaranty to lender.Application faxed to Sacramento which issues a guaranty #.In ASU territory: Liberty Bank,Simmons First Bank, 1st National Banking Company of Ash Flat, Bank of America, and Regions Bank Corporate.
Eligible: Veterans, service-disabled veterans, active duty service members, Reservists & National Guard Members, current spouses, widowed spouse of service member or veteran who dies during service or of a service-connected disability
Most borrowers only required to inject 10% equity.Loans are provided through CDC.
Identify how much money needed, what it will be used for, how to repay the loan.SBTDC does not make lending decisions.Lender can make loan in-house, forward to SBA, or decline application.
Repayment: Must prove you can repay the loan out of the profits of the business. Usually easier to demonstrate for existing rather than start-up business. Develop projections on month by month basis for 24 month period. Utilize resources: RMA, Consumer expenditure surveys.Management: Lender wants to see some experience in the industry.Equity: No 100% loans. Borrower must invest something. Rule of thumb is 20% of total project costs. But % is set by lender and must be reasonable based on risk of the business. Ex: restaurants & clothing stores = 20%; professional offices = 15%Existing business must have + position on balance sheet. Source of equity must be legal.Collateral: Must pledge all business collateral, if personal collateral available, bank must take it. If you own < 20% of home, SBA won’t mess with it.
Debt must be repaid with cash.Must have cash at the right place a the right time in the right amount.Pitfalls: Potential accounts receivables must be factored in (affects working capital requirements). Depreciation on most assets is a real expense.
Must know start-up expenses (operating capital).When projecting, must do homework in order to make educated guesses.Get actual expense figures.Working capital must be liquid in order to pay liabilities/obligations due within one year.
Lender and SBA will want to see some experience.
Start-up: Reasonable equity injection considered to be: 20% retail and service 15% professional 15% buyout if cash flow is strongExisting: Businesses must have positive equity position on Balance Sheet which can be used to leverage expansion loan.
Longer repayment terms = more cash in business (refer to schedule on the board). Translates into lower debt service and improved cash flow
Lowered debt service improves cash flow (increase years for repayment).Patient partners: banking holiday for unexpected events.
Microloans: First opportunity or last resortSBA has new microlending initiative and works through local lending intermediaries: local partners include alt.consulting, FORGE, and Arkansas Baptist College. Borrego Springs Bank in California is an active lending partner that services our area.Kiva.org works through two U.S. Field partners ACCION USA and Opportunity Fund. Features include somewhat higher interest rates, less stringent lending criteria, relatively short repayment terms.Sam’s Club $5,000-$25,000, 10-year term or revolving line of credit. In addition, Sam’s is an SBA microlending partner.