BJ Lackland is the CEO of Lighter Capital, which provides revenue-based financing for technology companies. Lighter Capital has financed over 100 companies, mostly SaaS, with funding amounts between $50k-$1M. Revenue-based financing works like a royalty agreement where companies make monthly payments based on a percentage of their revenue until a fixed amount is paid. This fits well with SaaS companies. Lighter Capital can help companies access the AWS Activate program which provides cloud credits, training and support.
SaaS/subscription businesses are much more complex than traditional businesses, and SaaS performance cannot be measured in the same way as traditional businesses are measured. Based on a talk given at the SaaStr Annual Conference in San Francisco, this slide deck offers a comprehensive and detailed look at the key metrics that are needed to understand and optimize a SaaS business, and how these can be used to drive SaaS success. This presentation includes information on:
- An intro to SaaS metrics
- Unit economics
- LTV and churn: An in-depth look
- Variable pricing axes
- Months to recover CAC
- The primary unit of growth: Sales
- Understanding public SaaS companies
10 Practical Tips for early-stage SaaS Entrepreneurslouiscop
Workshop at HEC Paris, Seed Conference, April 2017
0. Quick intro, SaaS?
I. 3 Tips for SaaS Entrepreneurs during the ideation phase
1. Pick a problem you are REALLY passionate about
2. How will you finance the business? VC or not VC?
3. Don't underestimate TECH
II. 3 Tips for SaaS Entrepreneurs in their first 6 months
4. Don't re-invent the wheel
5. Choose your first customers well
6. Pricing
III. 3 Tips for SaaS Entrepreneurs who start scaling
7. Don't waste your money on paid marketing
8. Don't end up in the SaaS graveyard
9. Focus on the right metrics
Ever wondered how unit economics affect your growth rate? Quantitative analysis is the most essential part of successful growth hacking. Here is a specific example.
SaaS/subscription businesses are much more complex than traditional businesses, and SaaS performance cannot be measured in the same way as traditional businesses are measured. Based on a talk given at the SaaStr Annual Conference in San Francisco, this slide deck offers a comprehensive and detailed look at the key metrics that are needed to understand and optimize a SaaS business, and how these can be used to drive SaaS success. This presentation includes information on:
- An intro to SaaS metrics
- Unit economics
- LTV and churn: An in-depth look
- Variable pricing axes
- Months to recover CAC
- The primary unit of growth: Sales
- Understanding public SaaS companies
10 Practical Tips for early-stage SaaS Entrepreneurslouiscop
Workshop at HEC Paris, Seed Conference, April 2017
0. Quick intro, SaaS?
I. 3 Tips for SaaS Entrepreneurs during the ideation phase
1. Pick a problem you are REALLY passionate about
2. How will you finance the business? VC or not VC?
3. Don't underestimate TECH
II. 3 Tips for SaaS Entrepreneurs in their first 6 months
4. Don't re-invent the wheel
5. Choose your first customers well
6. Pricing
III. 3 Tips for SaaS Entrepreneurs who start scaling
7. Don't waste your money on paid marketing
8. Don't end up in the SaaS graveyard
9. Focus on the right metrics
Ever wondered how unit economics affect your growth rate? Quantitative analysis is the most essential part of successful growth hacking. Here is a specific example.
The key SaaS metrics that matter to smb ownersLighter Capital
In this webinar, Founder of SaaSOptics, David Ryan and Investment Director of Lighter Capital, Branden Harper will walk you through:
- Why you should track subscription metrics
- The 5 principles of SaaS analytics
- Key metrics to focus depending on your business models and stages
MRR is the price the customer pays. Your North Star is the value they get. Mamoon Hamid, GP @ Social Capital, explains why founders need to focus on the value your product delivers, not the price the customer pays.
Building a Repeatable, Scalable & Profitable Growth ProcessDavid Skok
In a talk I gave at SaaS North 2017 conference in Ottawa, I talk about the fundamentals of building a repeatable, scalable, and profitable growth process for a startup.
Why the Most Important Metric in SaaS is Misleading OpenView
What’s the first metric VCs hunt for in your pitch deck? Easy… committed monthly recurring revenue (CMRR). Everyone knows that, right? In their famous report on the laws of cloud computing, Bessemer Venture Partners rightly says, “[CMRR] is the single most important metric for a Cloud business to monitor, as the change in CMRR provides the clearest visibility into the health of any Cloud business.”
Ask any cloud / SaaS investor, and they’ll say the same thing. This is the foundational metric that everyone scours the pitch deck to find.
But is CMRR growth everything? Let’s compare two companies with nearly identical CMRR growth curves. We’ll call them Company ABC and Company XYZ. The chart below shows that indeed, both companies are on the same CMRR trajectory.
Read more at http://blog.openviewpartners.com
3 Revenue and Compliance "Must-haves" to Go from Series A to IPO with TaxJar'...saastr
Don’t get caught off-guard raising your next round or preparing for an IPO. It’s more than just winning customers, it’s about staying ahead of fraud, risk, and compliance. Join us for a conversation about the most overlooked finance and compliance items when scaling your SaaS company.
Before looking into how to SaaS your digital agency, you need some concepts to be clear. What exactly is a SaaS business? What are the SaaS processes and work flows that can be used in the advertising industry? How can agencies make money like SaaS?
You can find that here: http://bit.ly/2g0uN08
This guide will introduce you to the essential metrics and methods of starting a Software-as-a-Service business, including what’s often overlooked.
We’ve broken it up into 3 steps:
- Step 1: Track Key Metrics (Churn Rate, Customer Acquisition Cost, Lifetime Value...)
- Step 2: Metric Decomposition (Not all metrics are created equal)
- Step 3: Marketing Strategies (How to keep customers coming back to your site)
Numbers that Actually Matter. Finding Your North Star Mamoon Hamid
This presentation uncovers a common misconception in fast growing SaaS businesses. Revenue reigns over everything. We talk about what really matters in building a sustainable SaaS company.
WebSummit 2018 - The SaaS Business Model & MetricsDavid Skok
SaaS businesses are extremely sensitive to a small number of important variables. If you are running a SaaS company, understanding how these variables drive your business model is crucial to long-term success. In this talk, David Skok, author of the now famous SaaS Metrics 2.0 blog post will talk through those key metrics and their impact on the overall SaaS business model.
The presentation covers the basic metrics that any SaaS company should have at a minimum. Metrics include:
ARPU
MRR
ARR
Churn
LTV
CPA
Growth
NPS
Viral Coefficient
The No-BS Guide to Understanding (and Calculating) ChurnClose.io
Founders: Are you being honest about your churn rates? Really, really honest?
Probably not. At best, you track your customer churn and neglect the other, more important churn rates.
Do you know your revenue churn? Your monthly subscription churn? What about your net churn? If you don't, you need to. In startups, ignorance isn't bliss; it's death.
Use our No-BS Guide to learn about the four most important churn rates, what they mean, and how to calculate them.
Check out our free, automatic churn calculator at the end!
Building the Billion Dollar SaaS Unicorn: CEO GuideKelly Schwedland
In a Venture Capital world that is obsessed with growth, recurring revenue and software as a service, after you validate that you have a solution that people are willing to pay for, there is an entire new world ahead of you in scaling that venture. For many, this involves an entirely new language and set of metrics to manage the business. For the startup that wants to make the leap to scale up and fast growth this should serve as a starting point for key insights and metrics for that journey.
• 3. The 3 Models of SaaS Pricing1How to Pick the Best Price28 Pricing Hacks3How to Test New Pricing4We’ll cover...
• 4. Model 1: Targeting Small Businesses1
• 5. Self-service, no sales team, limited support
• 6. Pricing in the $10 - $100/month rangeThis mean you need to focus onscale and acquiring customerscheaply.
• 7. Similar companies
• 8. Model 2: Targeting Enterprise2
• 9. Sales team, contracts, full support
• 10. Pricing is $1,000s or $10,000s/monthVery little is automated, your teamwill be working very closely witheach customer.
• 11. Similar companies
• 12. Model 3: The Mid-Size Hybrid3
• 13. Automated marketing with a sales team
• 14. Pricing is $100’s/monthYou’ll need to scale your leads butyou’ll have a full sales team toclose them.
• 15. Similar companies
• 16. Pick the right price range for your vision
• 17. 2 Bad Methods for Pricing
• 18. 1. Product cost + X%You’ll undercharge somecustomers and overcharge others.
• 19. 2. What does the customer want to pay?People have no idea until you askthem for their credit card.
• 20. Pricing by Value
• 21. Value-Based PricingYour customers get value worth $Yand it only costs them $X.
• 22. For B2B, focus on money earned or saved
• 23. How much extra revenue do they earn?1How many hours do they save?2What other costs do they avoid?3Ask your customers:
• 24. Capture more value from each customer.
• 25. There’s no such thing as a perfect price.If you need more guidance, pick aprice that’s 10% of the valuedelivered.
• 26. 8 Pricing Hacks8
• 27. Rule 1: Go AnnualYou’ll improve cash flow, reduceyour churn, and improve yourrevenue.
• 28. Rule 2: Don’t Add Unnecessary Digits$1000 looks cheaper than $1,000or $1000.00
• 29. Rule 3: Avoid Discounts Unless LaunchingDiscounts create destructivecustomer habits. Do not use themregularly.
• 30. Rule 4: Offer Multiple Prices to Anchor
• 31. Rule 5: Use pricing plans to segment customers.Different customer types getdifferent value from your product.Capture that value.
• 32. Rule 6: Double Your PriceWe all tend to UNDERvalue our ownservices.
• 33. Rule 7: Be Careful With Freemium PlansVery difficult to make it work in B2Bmarkets.
• 34. Rule 8: Grandfather Old Customers InAs long as you don’t raise pricesfor old customers, you won’t getany complaints.
• 35. These are rules, not laws.
• 36. How to Test New Pricing - 4 Steps
• 37. Step 1: Track subscription plans for all customersSubscription plans1Each monthly charge2Any cancelations3Access to total revenue, averagerevenue per user, and churn4
• 38. Step 2: Launch Your New Pricing Page
• 39. Step 3: Track your entire funnel
• 40. Step 4: Track ARPU and churn
• 41. KISSmetrics helps you find the right priceConnects all data to individual people1A/B tests for your entire funnel2See which plans are most profitable
"Driving SaaS Success Using Key Metrics" at SaaStr Annual 2016saastr
David Skok, popular blogger and top SaaS investor at Matrix Partners, shares the key metrics that SaaS founders must focus on to remain competitive and build a sustainable business at SaaStr Annual 2016 held in San Francisco Feb 9-11th. www.saastrannual.com
Churn and what it says about product/market fitBrian Kelly
When you're an early stage B2B SaaS startup (with less than $2M ARR) finding your ideal customers and turning them into raving fans of your product is all that matters. This is hard work. It is easy to highlight whatever signals that show you are making progress.
Don't do that.
Keep it simple: Reduce gross churn and keep your cost of customer acquisition low until you've truly found product/market fit. Ignore the allure of "net negative churn" and other vanity metrics.
I gave this presentation on October 14, 2016 at #brightconf in Chicago.
What's important for your next phase of growth? In this webinar, CEO of Lighter Capital BJ Lackland will walk you through:
- Different funding options for today's SaaS (Software-as-a-service) companies
- How to create a funding strategy that's aligned with your growth objectives
- How to get your business fundraising ready
Venture Capital, Angels, or Debt? One of the most important decisions you will make for your business.
This slide deck is meant to guide you through the current funding landscape for tech entrepreneurs.
The key SaaS metrics that matter to smb ownersLighter Capital
In this webinar, Founder of SaaSOptics, David Ryan and Investment Director of Lighter Capital, Branden Harper will walk you through:
- Why you should track subscription metrics
- The 5 principles of SaaS analytics
- Key metrics to focus depending on your business models and stages
MRR is the price the customer pays. Your North Star is the value they get. Mamoon Hamid, GP @ Social Capital, explains why founders need to focus on the value your product delivers, not the price the customer pays.
Building a Repeatable, Scalable & Profitable Growth ProcessDavid Skok
In a talk I gave at SaaS North 2017 conference in Ottawa, I talk about the fundamentals of building a repeatable, scalable, and profitable growth process for a startup.
Why the Most Important Metric in SaaS is Misleading OpenView
What’s the first metric VCs hunt for in your pitch deck? Easy… committed monthly recurring revenue (CMRR). Everyone knows that, right? In their famous report on the laws of cloud computing, Bessemer Venture Partners rightly says, “[CMRR] is the single most important metric for a Cloud business to monitor, as the change in CMRR provides the clearest visibility into the health of any Cloud business.”
Ask any cloud / SaaS investor, and they’ll say the same thing. This is the foundational metric that everyone scours the pitch deck to find.
But is CMRR growth everything? Let’s compare two companies with nearly identical CMRR growth curves. We’ll call them Company ABC and Company XYZ. The chart below shows that indeed, both companies are on the same CMRR trajectory.
Read more at http://blog.openviewpartners.com
3 Revenue and Compliance "Must-haves" to Go from Series A to IPO with TaxJar'...saastr
Don’t get caught off-guard raising your next round or preparing for an IPO. It’s more than just winning customers, it’s about staying ahead of fraud, risk, and compliance. Join us for a conversation about the most overlooked finance and compliance items when scaling your SaaS company.
Before looking into how to SaaS your digital agency, you need some concepts to be clear. What exactly is a SaaS business? What are the SaaS processes and work flows that can be used in the advertising industry? How can agencies make money like SaaS?
You can find that here: http://bit.ly/2g0uN08
This guide will introduce you to the essential metrics and methods of starting a Software-as-a-Service business, including what’s often overlooked.
We’ve broken it up into 3 steps:
- Step 1: Track Key Metrics (Churn Rate, Customer Acquisition Cost, Lifetime Value...)
- Step 2: Metric Decomposition (Not all metrics are created equal)
- Step 3: Marketing Strategies (How to keep customers coming back to your site)
Numbers that Actually Matter. Finding Your North Star Mamoon Hamid
This presentation uncovers a common misconception in fast growing SaaS businesses. Revenue reigns over everything. We talk about what really matters in building a sustainable SaaS company.
WebSummit 2018 - The SaaS Business Model & MetricsDavid Skok
SaaS businesses are extremely sensitive to a small number of important variables. If you are running a SaaS company, understanding how these variables drive your business model is crucial to long-term success. In this talk, David Skok, author of the now famous SaaS Metrics 2.0 blog post will talk through those key metrics and their impact on the overall SaaS business model.
The presentation covers the basic metrics that any SaaS company should have at a minimum. Metrics include:
ARPU
MRR
ARR
Churn
LTV
CPA
Growth
NPS
Viral Coefficient
The No-BS Guide to Understanding (and Calculating) ChurnClose.io
Founders: Are you being honest about your churn rates? Really, really honest?
Probably not. At best, you track your customer churn and neglect the other, more important churn rates.
Do you know your revenue churn? Your monthly subscription churn? What about your net churn? If you don't, you need to. In startups, ignorance isn't bliss; it's death.
Use our No-BS Guide to learn about the four most important churn rates, what they mean, and how to calculate them.
Check out our free, automatic churn calculator at the end!
Building the Billion Dollar SaaS Unicorn: CEO GuideKelly Schwedland
In a Venture Capital world that is obsessed with growth, recurring revenue and software as a service, after you validate that you have a solution that people are willing to pay for, there is an entire new world ahead of you in scaling that venture. For many, this involves an entirely new language and set of metrics to manage the business. For the startup that wants to make the leap to scale up and fast growth this should serve as a starting point for key insights and metrics for that journey.
• 3. The 3 Models of SaaS Pricing1How to Pick the Best Price28 Pricing Hacks3How to Test New Pricing4We’ll cover...
• 4. Model 1: Targeting Small Businesses1
• 5. Self-service, no sales team, limited support
• 6. Pricing in the $10 - $100/month rangeThis mean you need to focus onscale and acquiring customerscheaply.
• 7. Similar companies
• 8. Model 2: Targeting Enterprise2
• 9. Sales team, contracts, full support
• 10. Pricing is $1,000s or $10,000s/monthVery little is automated, your teamwill be working very closely witheach customer.
• 11. Similar companies
• 12. Model 3: The Mid-Size Hybrid3
• 13. Automated marketing with a sales team
• 14. Pricing is $100’s/monthYou’ll need to scale your leads butyou’ll have a full sales team toclose them.
• 15. Similar companies
• 16. Pick the right price range for your vision
• 17. 2 Bad Methods for Pricing
• 18. 1. Product cost + X%You’ll undercharge somecustomers and overcharge others.
• 19. 2. What does the customer want to pay?People have no idea until you askthem for their credit card.
• 20. Pricing by Value
• 21. Value-Based PricingYour customers get value worth $Yand it only costs them $X.
• 22. For B2B, focus on money earned or saved
• 23. How much extra revenue do they earn?1How many hours do they save?2What other costs do they avoid?3Ask your customers:
• 24. Capture more value from each customer.
• 25. There’s no such thing as a perfect price.If you need more guidance, pick aprice that’s 10% of the valuedelivered.
• 26. 8 Pricing Hacks8
• 27. Rule 1: Go AnnualYou’ll improve cash flow, reduceyour churn, and improve yourrevenue.
• 28. Rule 2: Don’t Add Unnecessary Digits$1000 looks cheaper than $1,000or $1000.00
• 29. Rule 3: Avoid Discounts Unless LaunchingDiscounts create destructivecustomer habits. Do not use themregularly.
• 30. Rule 4: Offer Multiple Prices to Anchor
• 31. Rule 5: Use pricing plans to segment customers.Different customer types getdifferent value from your product.Capture that value.
• 32. Rule 6: Double Your PriceWe all tend to UNDERvalue our ownservices.
• 33. Rule 7: Be Careful With Freemium PlansVery difficult to make it work in B2Bmarkets.
• 34. Rule 8: Grandfather Old Customers InAs long as you don’t raise pricesfor old customers, you won’t getany complaints.
• 35. These are rules, not laws.
• 36. How to Test New Pricing - 4 Steps
• 37. Step 1: Track subscription plans for all customersSubscription plans1Each monthly charge2Any cancelations3Access to total revenue, averagerevenue per user, and churn4
• 38. Step 2: Launch Your New Pricing Page
• 39. Step 3: Track your entire funnel
• 40. Step 4: Track ARPU and churn
• 41. KISSmetrics helps you find the right priceConnects all data to individual people1A/B tests for your entire funnel2See which plans are most profitable
"Driving SaaS Success Using Key Metrics" at SaaStr Annual 2016saastr
David Skok, popular blogger and top SaaS investor at Matrix Partners, shares the key metrics that SaaS founders must focus on to remain competitive and build a sustainable business at SaaStr Annual 2016 held in San Francisco Feb 9-11th. www.saastrannual.com
Churn and what it says about product/market fitBrian Kelly
When you're an early stage B2B SaaS startup (with less than $2M ARR) finding your ideal customers and turning them into raving fans of your product is all that matters. This is hard work. It is easy to highlight whatever signals that show you are making progress.
Don't do that.
Keep it simple: Reduce gross churn and keep your cost of customer acquisition low until you've truly found product/market fit. Ignore the allure of "net negative churn" and other vanity metrics.
I gave this presentation on October 14, 2016 at #brightconf in Chicago.
What's important for your next phase of growth? In this webinar, CEO of Lighter Capital BJ Lackland will walk you through:
- Different funding options for today's SaaS (Software-as-a-service) companies
- How to create a funding strategy that's aligned with your growth objectives
- How to get your business fundraising ready
Venture Capital, Angels, or Debt? One of the most important decisions you will make for your business.
This slide deck is meant to guide you through the current funding landscape for tech entrepreneurs.
What's the right funding option for your Salesforce biz? Watch this webinar and hear directly from investors at Emergence Capital & Lighter Capital.
Learn which funding options best suit each stage of the business growth cycle - from startup through the $10M revenue milestone - and what to consider when evaluating those options for your business.
How to fund your growth for 2015 ? Discover revenue-based financing Lighter Capital
What's your big idea for 2015?
For entrepreneurs, the beginning of a new year often involves a lot of planning for the next phase of your company's growth. Whatever your growth plan may be, taking your company to the next level requires investment, and investment generally means outside funding.
Join our upcoming webinar with Lighter Capital CEO BJ Lackland to learn about revenue based financing. Our funding is entrepreneur-friendly and will:
Get you access to capital fast
Not require any personal guarantees
Not dilute your equity
With Lighter Capital, you can get funded for 2015. Spend next year growing your business, not looking for ways to fund it!
Revenue Based Financing Webinar- for Salesforce ISV'sLighter Capital
What's important for your next phase of growth? New key hires? Product development? Or marketing and sales initiative? Learn about the financing structure of Lighter Capital- an active capital provider for Salesforce ISV's.
In this exclusive webinar hosted for Salesforce ISV's, we will walk through:
1. What's revenue-based financing and how it works
2. Three case studies of our Salesforce ISV's clients
3. Q&A
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
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
Subscribed NYC 2017: Driving Cross-Functional Accountability - Growth Metrics...Zuora, Inc.
As the Subscription Economy continues to grow, a new framework is needed to measure and analyze business health, and provide insight into the entire customer subscription journey. This new framework is powered by subscription metrics: forward-looking metrics -- from ARR to churn -- that predict business performance. Attend this session to hear how finance executives from best-in-class SaaS companies use metrics to drive growth.
Strategic Capital Partners offers a multitude of funding options to small business owners across the nation. Speed, simplicity, and security are the driving factors behind everything we provide to our clients. Upon submitting your application, we review it with a dedicated funding advisor. We then search our vast network of lenders to find the best funding options available to perfectly meet the demands of your business. Small business is the backbone of America and Strategic Capital Partners is the backbone of small business.
One of the biggest challenges of starting a company is to maintain a steady cash flow. An entrepreneur's worst nightmare is: "What if I run out of money!"
Jo Van Betsbrugge is an Innovation Advisor at the National Research Council’s Innovation Access circa November 2013. He will be sharing his experiences with you on: starting and running a company in Quebec, and will demisify exactly how he successfully raised over $1M without the help of venture capital.
He helps entrepreneurs and small and medium-sized businesses navigate through the multitude of available innovation support programs offered by provincial and federal governments.
NYU MS in Integrated Marketing Capstone Project, Spring 2017
Business name: Old Rebel Society
The unmet need: The untapped resource and the specific barriers
Mission: Our Mission: Provide equal entrepreneurial opportunities for people ages 55+
Business model: Virtual business incubator + Crowdfunding Platform
GTM strategy
P&L projection
Are you ready to raise capital for your Salesforce business? Do you have a plan? Rob Belcher of Lighter Capital and Sirk Roh of Early Growth Financial Services walk through the fundraising essentials and pitfalls you need to know about.
This webinar focuses on:
- Fundraising and business planning strategy
- What's most important for different funding options - from venture capital through to revenue-based financing
- Preparing the necessary materials and documentation to successfully raise capital
This webinar is designed to give you the best chance of meeting your capital raising goals for your next stage of growth.
Similar to Funding options For Growing Technology Compaines (20)
Digital Technology - Informal Settlements and Community Empowerment in the Ki...Patrick Doherty
Digital technology in the developing world. An in depth look at at how three organizations in the KIbera Slum outside Nairobi, Kenya are using information and communications technology, and in particular, mobile and digital technologies to empower slum residents through:
Urban mapping
Web & digital design skills
Digital and social media platforms
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
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
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
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.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@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.
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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
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Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
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