There are different sources for financing representing various opportunities. This seminar will tell you about some of these opportunities and the best method for increasing your chance of securing a loan. The program will also bring clarity to what financing opportunities the Federal Government offers through the Small Business Administration. Co-Sponsored with the High Point and Greensboro Public Libraries. Facilitated by Chisa D. Pennix-Brown, MBA of Lady Bizness, Inc.
Building assets is one of the most effective pathways out of generational poverty and into financial stability. To build assets, families need financial education, asset building opportunities, and the ability to protect assets. Building and maintaining credit is a key part of this process. This session will provide an introduction to the strategies and policies that are helping families build credit and get on the path to financial stability.
Presenters
Sarah Chenven, Credit Builders Alliance
Abby Wood, Metropolitan Family Services
Louisiana Small Business Loans – Get Approved For Small Business Financing dhamza
Are you looking for a loan for your commercial vehicle? If yes, then you should consider applying for commercial vehicle financing. The process of obtaining business loans for vehicles is quite simple. However, there are certain factors that you need to keep in mind while applying for a commercial vehicle loan.
If you are planning to buy a new commercial vehicle, then you should apply for commercial vehicle financing before buying the vehicle. It is because the finance company will give you a better rate of interest if you apply for a commercial vehicle loan before purchasing the vehicle.
Building assets is one of the most effective pathways out of generational poverty and into financial stability. To build assets, families need financial education, asset building opportunities, and the ability to protect assets. Building and maintaining credit is a key part of this process. This session will provide an introduction to the strategies and policies that are helping families build credit and get on the path to financial stability.
Presenters
Sarah Chenven, Credit Builders Alliance
Abby Wood, Metropolitan Family Services
Louisiana Small Business Loans – Get Approved For Small Business Financing dhamza
Are you looking for a loan for your commercial vehicle? If yes, then you should consider applying for commercial vehicle financing. The process of obtaining business loans for vehicles is quite simple. However, there are certain factors that you need to keep in mind while applying for a commercial vehicle loan.
If you are planning to buy a new commercial vehicle, then you should apply for commercial vehicle financing before buying the vehicle. It is because the finance company will give you a better rate of interest if you apply for a commercial vehicle loan before purchasing the vehicle.
Rainstar Capital Group’s lender is one of the nation’s leading online, technology-powered lenders to small business.
We are a direct lender, funding business loans with our own capital. We are backed by Garrison Investment Group, a leading NYC-based private equity firm.
Credit/Loan Policy of a co-operative society guidelines. The purpose of a loan policy, procedures of approving loans, guarantor-ship/loan security, etc.
A slide deck from GBRW covering the key principles of problem loan management, based on GBRW's extensive experience with Non-Performing Loan (NPL) management, restructuring and work-out assignments.
A Small Business Approach To Accessing Credit & Healthcare Reform in Califor...Small Business Majority
This webinar provided tips about accessing traditional bank loans and directed small business owners to state and federal programs that may be right for their business. We also talked about some long-term policy solutions that could ensure that small businesses get the credit they deserve.
In this presentation we are going to discuss franchise financing. At the end of this presentatino you should understand why it is often easier to get financing to buy a franchise than for other types of new businesses, what your chances of getting a loan to buy a franchise are, why SBA loans are often used to finance franchises, and how to apply for a loan to buy a franchise.In this article we are going to discuss franchise financing. After reading this article you should understand why it is often easier to get financing to buy a franchise than for other types of new businesses, what your chances of getting a loan to buy a franchise are, why SBA loans are often used to finance franchises, and how to apply for a loan to buy a franchise. -
See more at: http://fitsmallbusiness.com/franchise-financing/
Information on the five C's of credit, bankruptcy proceedings, credit policy, credit investigations, credit fraud, credit decisions, customer visits, the sales department, and the vredit department.
Here are the top small business loan options for your law firm with tips to make your law firm financing application a success. For more information, visit at https://www.onlinecheck.com/blog/business-loans/small-business-loans-for-law-firm-in-2019/
Watch full video on YouTube -
https://youtu.be/f3VgVOgAUoE
Credit management is the process of granting credit , setting the term its granted on, recovering this credit when its due and ensuring compliance with company credit policy.
The difference in the rate of interest that a bank charges on the amount lent and the rate it pays to the depositors is technically called spread or interest rate spread.
This spread bank has to use to meet all its overheads and interest on deposit but also provide for NPA.
Thank You For Watching
Subscribe to DevTech Finance
Personal Loan or Business Loan - Which is Betterbottomlinefund
Small business owners require taking business loan during their initial years. With the loans obtained, small businesses can fulfill their funding needs while conduct business seamlessly. So pick the best one from business loan or personal loan.
Credit Rating Process with Respect to Corporate DebtSumit Kumar Singh
Volatility in the financial market is becoming common day by day as we are becoming more and more intensive towards global market. The importance of Credit Rating Agencies has gone up because an investor can't always keep track on key 'Financial Metrics' of companies. So investors try to fix this with the help of ratings assigned by Recognized Rating Agencies
Rainstar Capital Group’s lender is one of the nation’s leading online, technology-powered lenders to small business.
We are a direct lender, funding business loans with our own capital. We are backed by Garrison Investment Group, a leading NYC-based private equity firm.
Credit/Loan Policy of a co-operative society guidelines. The purpose of a loan policy, procedures of approving loans, guarantor-ship/loan security, etc.
A slide deck from GBRW covering the key principles of problem loan management, based on GBRW's extensive experience with Non-Performing Loan (NPL) management, restructuring and work-out assignments.
A Small Business Approach To Accessing Credit & Healthcare Reform in Califor...Small Business Majority
This webinar provided tips about accessing traditional bank loans and directed small business owners to state and federal programs that may be right for their business. We also talked about some long-term policy solutions that could ensure that small businesses get the credit they deserve.
In this presentation we are going to discuss franchise financing. At the end of this presentatino you should understand why it is often easier to get financing to buy a franchise than for other types of new businesses, what your chances of getting a loan to buy a franchise are, why SBA loans are often used to finance franchises, and how to apply for a loan to buy a franchise.In this article we are going to discuss franchise financing. After reading this article you should understand why it is often easier to get financing to buy a franchise than for other types of new businesses, what your chances of getting a loan to buy a franchise are, why SBA loans are often used to finance franchises, and how to apply for a loan to buy a franchise. -
See more at: http://fitsmallbusiness.com/franchise-financing/
Information on the five C's of credit, bankruptcy proceedings, credit policy, credit investigations, credit fraud, credit decisions, customer visits, the sales department, and the vredit department.
Here are the top small business loan options for your law firm with tips to make your law firm financing application a success. For more information, visit at https://www.onlinecheck.com/blog/business-loans/small-business-loans-for-law-firm-in-2019/
Watch full video on YouTube -
https://youtu.be/f3VgVOgAUoE
Credit management is the process of granting credit , setting the term its granted on, recovering this credit when its due and ensuring compliance with company credit policy.
The difference in the rate of interest that a bank charges on the amount lent and the rate it pays to the depositors is technically called spread or interest rate spread.
This spread bank has to use to meet all its overheads and interest on deposit but also provide for NPA.
Thank You For Watching
Subscribe to DevTech Finance
Personal Loan or Business Loan - Which is Betterbottomlinefund
Small business owners require taking business loan during their initial years. With the loans obtained, small businesses can fulfill their funding needs while conduct business seamlessly. So pick the best one from business loan or personal loan.
Credit Rating Process with Respect to Corporate DebtSumit Kumar Singh
Volatility in the financial market is becoming common day by day as we are becoming more and more intensive towards global market. The importance of Credit Rating Agencies has gone up because an investor can't always keep track on key 'Financial Metrics' of companies. So investors try to fix this with the help of ratings assigned by Recognized Rating Agencies
Small Business Administration (SBA) Financing OptionsGuy-Daniel Boni
SBA financing is designed to provide small businesses with access to credit structures and terms that may be more flexible than conventional lending options. Blitt Capital is here to help Entrepreneurs match their financing needs with the appropriate SBA lending program.
Take It To The Bank: Sam's Club Whitepaper Helps Small Business Navigate Loan...Sam's Club News
In the "setting yourself up for success" section: Sam's Club small business whitepaper titled "The Big Picture: Small-Business Loans in Today's Economy", aims to clarify and aid the often-times challenging process of obtaining a small-business loan.
Small Business Finance- Monica Kenney- IGNITE Conference Frost BankRandall Chase
Monica Kenney has over seventeen years of experience in the financial services industry. Currently, she
serves a Vice President and Commercial Banker at Frost Bank for the southern sector of Dallas. Her
responsibilities include investment activities, regional market growth support, community engagement
and portfolio management. She has held insurance and securities licenses.
Monica Kenney is an active member of her community and participates in the local Chambers of
Commerce, the Rotary, and the Lions Club. She also serves on the committees for several civic
organizations. Monica is a graduate of Leadership Southwest.
Monica Kenney is pursuing a Bachelor of Business Administration in Management degree.
Small Business Finance- What is needed from loan preparation, small business challenges, types of business loans, short term and long term financing and more.
7 small business lenders report to credit bureaus in 2019Merchant Advisors
Wondering where your credit score comes from? Here is a list of seven business lenders that report your borrowing habits to business credit bureaus in 2019. For more information, visit at https://www.onlinecheck.com/blog/business-loans/report-to-credit-bureaus/
Small business loans you can qualify for with bad credit scoreMerchant Advisors
Business loans can be challenging to secure if you have bad credit. Here are a few financing options to get small business loans with bad credit. For more information, visit at https://www.onlinecheck.com/blog/business-loans/business-loans-for-bad-credit/
Ratio Analysis and Business Performance – Why Should I Care – Part 2?McKonly & Asbury, LLP
The webinar is hosted by David Blain, Partner and Director of McKonly & Asbury’s Entrepreneurial Services Group, and Eric Fischer, Benefits Advisor at American Family Life Assurance Company of Columbus (Aflac).
This webinar is a continuation of the first webinar hosted on May 30, 2019. This webinar focuses on debt covenant and leverage ratios most used and reviewed by banks and other lending institutions. The webinar also focuses on how banks and lending institutions view these ratios and how to best prepare and present your business for compliance with these ratios.
Macroeconomics- Movie Location
This will be used as part of your Personal Professional Portfolio once graded.
Objective:
Prepare a presentation or a paper using research, basic comparative analysis, data organization and application of economic information. You will make an informed assessment of an economic climate outside of the United States to accomplish an entertainment industry objective.
Read| The latest issue of The Challenger is here! We are thrilled to announce that our school paper has qualified for the NATIONAL SCHOOLS PRESS CONFERENCE (NSPC) 2024. Thank you for your unwavering support and trust. Dive into the stories that made us stand out!
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdfTechSoup
In this webinar you will learn how your organization can access TechSoup's wide variety of product discount and donation programs. From hardware to software, we'll give you a tour of the tools available to help your nonprofit with productivity, collaboration, financial management, donor tracking, security, and more.
Unit 8 - Information and Communication Technology (Paper I).pdfThiyagu K
This slides describes the basic concepts of ICT, basics of Email, Emerging Technology and Digital Initiatives in Education. This presentations aligns with the UGC Paper I syllabus.
2024.06.01 Introducing a competency framework for languag learning materials ...Sandy Millin
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
A Strategic Approach: GenAI in EducationPeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
Embracing GenAI - A Strategic ImperativePeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
June 3, 2024 Anti-Semitism Letter Sent to MIT President Kornbluth and MIT Cor...Levi Shapiro
Letter from the Congress of the United States regarding Anti-Semitism sent June 3rd to MIT President Sally Kornbluth, MIT Corp Chair, Mark Gorenberg
Dear Dr. Kornbluth and Mr. Gorenberg,
The US House of Representatives is deeply concerned by ongoing and pervasive acts of antisemitic
harassment and intimidation at the Massachusetts Institute of Technology (MIT). Failing to act decisively to ensure a safe learning environment for all students would be a grave dereliction of your responsibilities as President of MIT and Chair of the MIT Corporation.
This Congress will not stand idly by and allow an environment hostile to Jewish students to persist. The House believes that your institution is in violation of Title VI of the Civil Rights Act, and the inability or
unwillingness to rectify this violation through action requires accountability.
Postsecondary education is a unique opportunity for students to learn and have their ideas and beliefs challenged. However, universities receiving hundreds of millions of federal funds annually have denied
students that opportunity and have been hijacked to become venues for the promotion of terrorism, antisemitic harassment and intimidation, unlawful encampments, and in some cases, assaults and riots.
The House of Representatives will not countenance the use of federal funds to indoctrinate students into hateful, antisemitic, anti-American supporters of terrorism. Investigations into campus antisemitism by the Committee on Education and the Workforce and the Committee on Ways and Means have been expanded into a Congress-wide probe across all relevant jurisdictions to address this national crisis. The undersigned Committees will conduct oversight into the use of federal funds at MIT and its learning environment under authorities granted to each Committee.
• The Committee on Education and the Workforce has been investigating your institution since December 7, 2023. The Committee has broad jurisdiction over postsecondary education, including its compliance with Title VI of the Civil Rights Act, campus safety concerns over disruptions to the learning environment, and the awarding of federal student aid under the Higher Education Act.
• The Committee on Oversight and Accountability is investigating the sources of funding and other support flowing to groups espousing pro-Hamas propaganda and engaged in antisemitic harassment and intimidation of students. The Committee on Oversight and Accountability is the principal oversight committee of the US House of Representatives and has broad authority to investigate “any matter” at “any time” under House Rule X.
• The Committee on Ways and Means has been investigating several universities since November 15, 2023, when the Committee held a hearing entitled From Ivory Towers to Dark Corners: Investigating the Nexus Between Antisemitism, Tax-Exempt Universities, and Terror Financing. The Committee followed the hearing with letters to those institutions on January 10, 202
2. Welcome to
Financing Your Small Business
• Please Silence or Mute
Cell Phones
• Please Ask Questions
• Please complete
registration forms
• Introduce Yourself
Bizness Branding Academy Powered by Lady Bizness
3. Financing Your Small Business
• Types of Funding
• General Requirements
• Sources of Funding
Bizness Branding Academy Powered by Lady Bizness
4. Types of Funding
• Loans
– Funds loaned to the business
typically repaid in equal monthly payments
• Personal Loans
• Operations-related Financing
• Business Loans
Bizness Branding Academy Powered by Lady Bizness
5. Personal Loans
• Loan obtained by an individual from
a bank and paid back in equal,
monthly installments
– Secured (collateral guarantees repayment)
– Unsecured (signature loan)
• Loans from life insurance (up to 95% of cash value
of policy)
• Credit Cards
• Second Mortgages (Home Equity Credit - up to 80%
of equity built up in property)
• Friends and Relatives
Bizness Branding Academy Powered by Lady Bizness
6. Operations-Related Financing
• Supplier Credit
• Customer Credit (customer deposits)
• Leasing
• Accounts Receivables Financing
• Factoring
• Asset-Based Financing
Bizness Branding Academy Powered by Lady Bizness
7. Business Loans
• Term Loans
– Installment loans with equal,
monthly payments
• Lines of Credit
– Short-term funds; seasonal businesses
• Government Assisted Loans
– Small Business Administration (SBA)
– State and Local Agencies
Bizness Branding Academy Powered by Lady Bizness
8. Choosing a Banker
• Size of the bank
• Familiarity and desire to work with small
businesses
• How the bank will react to your
problems?
• Is the bank helpful?
• Has the bank some special experience
in your industry?
• Is there good personal chemistry?
Bizness Branding Academy Powered by Lady Bizness
9. NC BANKS KEY
Allegacy Federal Credit Union Coastal FCU * 7 (a) Lenders
Alliance Bank & Trust Fidelity Bank (GA) # * SBA Ezpress
BB & T * # Mechanics & Farmers Bank #Preferred Lenders
Bank of America * # RBC Bank * #
Bank of North Carolina* # Self Help Credit Union *
Bank of the Carolinas *
Suntrust *
Bank of Oakridge * Vantage South *
Carolina Premier * Wells Fargo * #
NC Banks
Bizness Branding Academy Powered by Lady Bizness
10. What does the Lender Look For?
Capital
• How much of your own money
do you have invested in the
business (30% of total project cost
is a good rule of thumb for most
banks)
Collateral
• What is the fair market value of
the security that you are offering
to guarantee repayment of the
loan?
Bizness Branding Academy Powered by Lady Bizness
11. Capital
• Capacity to Repay
– How much profit will your company generate?
– Will your cash flow provide you with
enough money on a regular basis to
cover the loan repayment?
• Conditions
– What are the economic, demographic, and
regulatory trends which impact your business?
– What terms can be negotiated to allow the bank
to evaluate the risk/reward consideration?
Bizness Branding Academy Powered by Lady Bizness
12. Collateral
General valuation estimates for assets:
– Certificates of Deposit 100%
– Real Estate 75-80%
– Stock (publicly traded) 75%
– Vehicles 75-85%
– Equipment 50-75%
– Accounts Receivable 50-75%
– Inventory 0-50%
Bizness Branding Academy Powered by Lady Bizness
14. Personal Character
• What is your track record - personal
and professional - in managing
finances and paying credit
obligations?
• Who are the key managers in your
business; do they have the experience
and the ability to run this business
successfully?
Bizness Branding Academy Powered by Lady Bizness
15. What to put in a Loan Proposal?
• What Bankers Look at in a Loan Proposal:
– Equity
• Lenders expect borrowers to have already invested
from 10 to 30% of the loan amount; if your business has
existed for less than 3 years, plan for 30%.
– Debt-to-Worth Ratio
• Most critical on the day after loan approval and at the
end of the first year of operations; the lower the better
(i.e. - more worth/equity than debt)
Bizness Branding Academy Powered by Lady Bizness
16. General Requirements
• Ability to Carry Debt Service
– Your cash flow projections typically reflect
this
• Secondary Sources of Repayment
– Important especially in a start-up business
(e.g. spouse has full-time position outside of
the business)
• Personal Guarantees
– All parties to the loan request must be willing
to pledge guarantees; personal guarantees
state that the borrowers truly believe in their
venture
Bizness Branding Academy Powered by Lady Bizness
17. Sources of Funding
• SBA Loan Programs (www.sba.gov)
• 7(a) Programs
• Patriot Express
• SBA Express
• Community Express
• You will need to work with a
commercial bank and the SBA for
these programs - no direct SBA loans
as a general rule
Bizness Branding Academy Powered by Lady Bizness
18. Patriot Express Loans
Issue: Patriot Express
Maximum Loan Amount: $500,000
Maximum SBA Guaranty
%:
75/85%
Interest Rate:
Rate may be fixed or variable and lenders and borrowers can negotiate interest
rate, but lenders may not charge more than 2.25 percent over Prime for loans of
less than 7 years and 2.75 percent over Prime for loans greater than 7 years;
lenders may charge 1 percent more for loans of $50,000 or less and 2 percent
more for loans of $25,000 or less.
Eligibility Decision:
Must meet standard SBA eligibility and must be 51 percent or more
owned/controlled by:
· Veteran (other than dishonorably discharged)
· Active Duty Military potential retiree within 24 months of separation and
discharging Active Duty member within 12 months of discharge (TAP eligible)
· Reservist and National Guard
· Current spouse of above or spouse of service member or veteran who died
of a service-connected disability.
Revolving Lines of Credit:
Revolving loans allowed up to 7 years with maturity extensions permitted at the
outset.
SBA Turnaround Time Within 36 Hours
Forms: Streamlined: Lender Uses Mostly Own Forms and Procedures.
Collateral:
Lenders are not required to take collateral for loans up to $25,000; may use their
existing collateral policy for loans over $25,000 up to $350,000, but must take
available collateral for loans greater than $350,000.
Credit Decision By Lender
Bizness Branding Academy Powered by Lady Bizness
19. SBA Express Loans
Issue: SBAExpress
Maximum Loan Amount: $350,000
Maximum SBA Guaranty %: 50%
Interest Rate:
Lenders and borrowers can negotiate the interest rate. Rates are tied
to the prime rate (as published in the Wall Street Journal) and may be
fixed or variable, but they may not exceed SBA maximums:
Lenders may charge up to 6.5 percent over prime rate for loans of
$50,000 or less and up to 4.5 percent over the prime rate for loans over
$50,000
Eligibility Decision:
By SBA, Qualified Lenders May be granted Authorization to make
eligibility determinations
Revolving Lines of Credit:
SBAExpress allows revolving loans up to 7 years with maturity extensions
permitted at the outset
Turnaround Time: Within 36 Hours
Forms: Lender Uses Mostly Own Forms and Procedures
Collateral:
Lenders are not required to take collateral for loans up to $25,000.
Lenders may use their existing collateral policy for loans over $25,000
up to $150,000. For Loans greater than $150,000, follows SBA's general
collateral policy
Credit Decision: By Lender
Bizness Branding Academy Powered by Lady Bizness
20. Community Express Loans
Issue: SBA Community Express
Maximum Loan
Amount:
$250,000
Maximum SBA
Guaranty %:
Follows Standard SBA Guaranty Percent
Interest Rate:
Community Express loans are subject to the same
maximum interest rate as all SBA loans
Eligibility Decision: By SBA
Revolving Lines of
Credit:
Allows revolving loans up to 7 years
Turnaround Time: Mostly Within 36 Hours
Forms: Lender Uses Mostly Own Forms and Procedures
Collateral:
Lenders are not required to take collateral for loans up to
$25,000. Lenders may use their existing collateral policy for
loans over $25,000 up to $150,000.
For Loans greater than $150,000, follows SBA's general
collateral policy
Credit Decision: By Lender
Technical Assistance: Arranged or Provided by Lender
Bizness Branding Academy Powered by Lady Bizness
21. Self Help Credit Union
• Self Help Credit Union
www.selfhelp.org
(336) 378-1840
– CDC for Guilford county (and many others)
– Can provide SBA LowDoc and 7(a) loans
– Small Business Loans
– Loans for Environmental Businesses
• Self Help Credit Union
– Qualifying for Self Help Loans:
• Management
• Cash Flow
• Collateral
• Equity
• Credit History
• Expertise in child care centers and charter
schools
Bizness Branding Academy Powered by Lady Bizness
22. Tips & Suggestions
• Be straightforward and honest in
dealing with lenders
• Be prepared to ask & answer questions
• Be prepared with a business plan
• Understand what you are getting into
• Be patient
• Understand the risk associated with
borrowing
Bizness Branding Academy Powered by Lady Bizness
23. What is your
Show Up & Show Out!
Moment of the Night?
Chisa D. Pennix-Brown, MBA
Info@LadyBizness.com www.LadyBizness.com
24. GTCC Small Business Center
336.334.4822 – Greensboro
336.454.1126 – High Point
Mark Hagenbuch ext: 62003
markh@gttc.edu
DarLinda Finch ext: 62001
dkfinch@gtcc.edu
Bizness Branding Academy Powered by Lady Bizness
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