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We recently attended the 2018 CBM Annual Convention & Trade Show, Michigan's premier banking event, and enjoyed getting to know community bankers from across the state. At SBA Complete, we understand that it can be tough to balance internal resources, keep up with changing regulations, and maintain a high-performing loan portfolio. It's why we built our business—to help community banks like yours build strong, profitable, and compliant SBA loan portfolios that facilitate small business growth.
10 best business loans options for people with disabilitiesMerchant Advisors
Finding business loan options can be challenging especially if you have a disability. Here is a list of 10 best business loans for people with disabilities. For more information, visit at https://www.onlinecheck.com/blog/business-loans/business-loans-for-people-with-disabilities/
Zac King 2013 CUES Next Top Credit Union Exec PresentationCUES Emerge
Zac King is a 34-year-old AVP, Card Payment Systems at Redstone Federal Credit Union ($3.4B) in Huntsville, Alabama, USA.
This is his Finalist presentation that he gave in San Diego, California as part of the 2013 CUES Next Top Credit Union Exec competition.
Do you know anyone with less than perfect credit or excessive debt? Look at this short 4 minute video www.protectionthatpays.com and give me your opinion about it.
10 best business loans options for people with disabilitiesMerchant Advisors
Finding business loan options can be challenging especially if you have a disability. Here is a list of 10 best business loans for people with disabilities. For more information, visit at https://www.onlinecheck.com/blog/business-loans/business-loans-for-people-with-disabilities/
Zac King 2013 CUES Next Top Credit Union Exec PresentationCUES Emerge
Zac King is a 34-year-old AVP, Card Payment Systems at Redstone Federal Credit Union ($3.4B) in Huntsville, Alabama, USA.
This is his Finalist presentation that he gave in San Diego, California as part of the 2013 CUES Next Top Credit Union Exec competition.
Do you know anyone with less than perfect credit or excessive debt? Look at this short 4 minute video www.protectionthatpays.com and give me your opinion about it.
10 benefits of applying for personal loans onlinePrateek Agarwal
A purchaser advance may help you might be strapped for money. Many banks and loaning organizations are putting forth fund to potential advance searchers with alluring rates of premium, adaptable reimbursement choices, and the accommodation of online administrations so it’s now easy to apply for personal loan online. These points of interest are making shopper credits an exceptionally mainstream choice among borrowers.
Why is it_so_hard_to_get_a_business_loan_by_plousioAlex Chang
The major U.S. banks are not interested in lending to small business due to the raising cost in compliance and underwriting, and the small businesses are the ones suffering the consequences.
Let's look at the reasons and impacts behind the small business loan challenges.
Why Guaranteed Rate? We offer some of the best support, tools, and resources to grow your business....as well as an efficient operations staff to maintain and streamline your pipeline. There is a reason why the nation's top producing loan officers CHOOSE Guaranteed Rate.
The financial facilities group at HBE migrated to Clayco pretty much, HBE emphasis is now primarily on Hospitals.
The FinFac spirit lives on however. (Financial Facilities)
Credit card consolidation helps you escape from debt shackles through an easy monthly payment plan. Find out the 3 ways to consolidate credit card debts.
Contact me today I have a solution for YOU!
Coneise Clark
Financial Education Services
Coko Credit
PO BOX 2635
Denver, CO 80202
Office: (720) 936-6760
Email: coneiseclark@gmail.com
Website: www.united-credit.org / www.cokoscredit.com
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.
10 benefits of applying for personal loans onlinePrateek Agarwal
A purchaser advance may help you might be strapped for money. Many banks and loaning organizations are putting forth fund to potential advance searchers with alluring rates of premium, adaptable reimbursement choices, and the accommodation of online administrations so it’s now easy to apply for personal loan online. These points of interest are making shopper credits an exceptionally mainstream choice among borrowers.
Why is it_so_hard_to_get_a_business_loan_by_plousioAlex Chang
The major U.S. banks are not interested in lending to small business due to the raising cost in compliance and underwriting, and the small businesses are the ones suffering the consequences.
Let's look at the reasons and impacts behind the small business loan challenges.
Why Guaranteed Rate? We offer some of the best support, tools, and resources to grow your business....as well as an efficient operations staff to maintain and streamline your pipeline. There is a reason why the nation's top producing loan officers CHOOSE Guaranteed Rate.
The financial facilities group at HBE migrated to Clayco pretty much, HBE emphasis is now primarily on Hospitals.
The FinFac spirit lives on however. (Financial Facilities)
Credit card consolidation helps you escape from debt shackles through an easy monthly payment plan. Find out the 3 ways to consolidate credit card debts.
Contact me today I have a solution for YOU!
Coneise Clark
Financial Education Services
Coko Credit
PO BOX 2635
Denver, CO 80202
Office: (720) 936-6760
Email: coneiseclark@gmail.com
Website: www.united-credit.org / www.cokoscredit.com
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.
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
Entrepreneurial Opportunities for Military Familiesmilfamln
This 90-minute webinar will examine the resources and programs offered by the Small Business Administration that can benefit military service members and spouses transitioning from the military into business-owning ventures. Jaime Wood from the Small Business Administration will give an overview of the programs offered nationally by the SBA to support entrepreneurial efforts of veterans and military spouses, including the Boots to Business initiative, programs offered by the Office of Veteran's Business Development, the Veteran Women Igniting the Spirit of Entrepreneurship (V-Wise), and Entrepreneurial Development programs for service disabled veterans.
Watch recording and learn more: https://learn.extension.org/events/3265
This is the most recent complete marketing plan I've completed. This one actually took first place in a marketing competition hosted by Wells Fargo. I credit my team's victory to creativity and, above all, listening carefully and responding to our client's instructions, needs, and wants. This one also has plenty of copyrighted images, but ask if you aren't sure about one.
Communicating Loan Process To Customers Powerpoint Presentation SlidesSlideTeam
Loan Process Product Description This deck covers the loan approval process to understand how the credit score facilitates the loan application process. The objective of this deck is to provide the details to the customers about the loan offerings, communicate the lending process to the clients, and evaluate the borrowers ability and willingness to repay the loan. We have focused on the banks overview wherein we have covered about the bank, mission, vision, and values, milestones, team members, products and services offered, why choose our bank and client testimonials. The need for business loans in the organization, types of business loans offered, features, and benefits of the loan and competitive landscape of business loans are shared in this template. All the steps required in the loan process are shared in this deck covering pre qualification, mortgage programs, and rates, the application, processing, required documents, credit report, appraisal basics, underwriting, and closing. We have also shared the checklist required for a business financing application. Borrower s ability and willingness to repay the loan are focused on this deck which covers basic factors of credit risk assessment, five Cs of credit, credit evaluation process, and credit approval process. This PowerPoint presentation can be used by various banks, and its agents to give an elaborative description to the customers about the loans offered by them. https://bit.ly/3a34Yaj
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Memorandum Of Association Constitution of Company.pptseri bangash
www.seribangash.com
A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
www.seribangash.com
Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
What is the TDS Return Filing Due Date for FY 2024-25.pdfseoforlegalpillers
It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
Tata Group Dials Taiwan for Its Chipmaking Ambition in Gujarat’s DholeraAvirahi City Dholera
The Tata Group, a titan of Indian industry, is making waves with its advanced talks with Taiwanese chipmakers Powerchip Semiconductor Manufacturing Corporation (PSMC) and UMC Group. The goal? Establishing a cutting-edge semiconductor fabrication unit (fab) in Dholera, Gujarat. This isn’t just any project; it’s a potential game changer for India’s chipmaking aspirations and a boon for investors seeking promising residential projects in dholera sir.
Visit : https://www.avirahi.com/blog/tata-group-dials-taiwan-for-its-chipmaking-ambition-in-gujarats-dholera/
Attending a job Interview for B1 and B2 Englsih learnersErika906060
It is a sample of an interview for a business english class for pre-intermediate and intermediate english students with emphasis on the speking ability.
Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
Business Valuation Principles for EntrepreneursBen Wann
This insightful presentation is designed to equip entrepreneurs with the essential knowledge and tools needed to accurately value their businesses. Understanding business valuation is crucial for making informed decisions, whether you're seeking investment, planning to sell, or simply want to gauge your company's worth.
2. Informal Poll
❏How many banks with assets less than $500 million?
❏Who currently does SBA lending?
❏Who has delegated authority (PLP)?
❏Who has a Chief Information Officer or
Technology Department?
3. “Small banks with less than
$500 million in assets that
wish to remain independent
face challenges.”
– Julie Stackhouse, Exec VP, Federal Reserve Bank of St. Louis
4. Lender Service Provider
If that’s the boat you’re in...
✓ Growth challenges
✓ Profitability challenges
✓ Brand challenges
5. Challenges of the Rural Arkansas Bank
❖ Planning for the Future
❖ Cyber Threats
❖ Bank Consolidation
❖ Ability to Hire
❖ Loss of Population
❖ Financial Technology Demands
21. Lender Service Provider
1. Economics — Immediate profitability at a variable cost
2. Scalability — Experienced staff at any volume
3. Continuity — Proven processes and continuity at both
the position level and overall department level
Outsourcing Advantages
26. Lender Service Provider
All SBA loans
are alike
The truth is, there are SBA loans for very
diverse and specific purposes.
▪ That’s great for tailoring to customers,
but it presents a complex landscape to
navigate without expertise.
Bank Solutions simplifies the process
toward becoming a Preferred Lender.
28. Lender Service Provider
All SBA
lenders are
the same
There are various categories of lender
programs
▪ SBA 7(a)
▪ CDC / SBA 504
▪ SBA CAPLine Lines of Credit
▪ SBA Export Loans
▪ SBA Microloan Program
▪ SBA Disaster Loans
30. Lender Service Provider
SBA
sometimes
fails to honor
its guarantee
SBA has a legal responsibility to honor
the guarantee. Banks without experience
fail to meet necessary conditions:
▪ Failure to comply with SOPs
▪ Failure to make, close, service or liquidate a
loan in a prudent manner
▪ Lender has failed to disclose or
misrepresented a material fact to SBA
▪ Lender has failed to pay the guarantee fee
32. Lender Service Provider
It takes
additional
bank staff to
administer
SBA loans
Not any more than any other loan you
make. It is true submission and servicing
takes specialized diligence.
▪ The Bank Solutions process saves your loan
officer processing time when he/she could
be developing personal banking
relationships.
▪ The Bank Solutions process provides the
diligence necessary for servicing, reporting
and compliance.
34. Lender Service Provider
It takes
forever to get
SBA loans
approved
This misconception relates directly to
inexperience:
▪ Diligence
▪ Underwriting
▪ Submission
Our experience means the process
takes no longer than traditional loans.
36. How SBA helps build your SMB brand
● Guarantee especially helpful with under-secured good loans
● More fee income (secondary market)
● Expanded lending limits, increased liquidity
● Ability to refinance EXISTING loans
● Variable rates generate higher yields
● Lower capital and loan loss requirements
● CRA implications and applications
● Rapid portfolio growth
40. Lender Service Provider
Most Every Community Has These Businesses
Top Loan Categories Since 2004:
❖ Liquor Stores
❖ Physicians
❖ Child Day Care Services
❖ Veterinary Services
❖ Offices of Dentists
SBA Opportunities in Rural Arkansas
❖ Restaurants (Limited Service)
❖ Gasoline Stations
❖ Hotels and motels
❖ Restaurants (Full-Service)
41. Lender Service Provider
Since 2014:
❖ $446 Million in Arkansas SBA Ag Loans
❖ 80%+ were poultry-related
❖ Average cost of 8-house poultry farm: $3.5 million
Arkansas’s Unique Ag Opportunities
42. Lender Service Provider
2019 - 2024:
Just Think Chicken
❖ Potential $6-700 Million in Arkansas SBA Ag Loans
❖ Potential Refinances/Sales from Distressed Properties
❖ Existing Retrofits and Major Upgrades
Arkansas’s Unique Ag Opportunities
43. Lender Service Provider
Addressing
the Ag
Opportunity
❖ Excess Land
❖ Environmental Issues
❖ Equity Injection
❖ Affiliate / Franchise
The Bad News – an OIG
Report pointed out bad
practices resulting in
more stringent
requirements
The Good News –
there‘s ways to mitigate
the issues
44. Lender Service Provider
SBA Ag
Loans In
Arkansas ❖ Beef Cattle and Farming
❖ Hog and Pig Farming
❖ Soil Preparation, Planting
and Cultivating
❖ Logging
❖ Nursery and Tree
Production
❖ Others
NAICS Classifications
Besides Poultry
FY 2014 thru July 2018
45. Lender Service Provider
SBA Ag
Loans In
Arkansas ❖ Beef Cattle and Farming - $2,344,600
❖ Hog and Pig Farming - $6,116,600
❖ Soil Preparation, Planting / Cultivating
- $575,000
❖ Logging - $6,220,000
❖ Nursery and Tree Production
$350,000
❖ Others
NAICS Classifications
Besides Poultry in
Dollars
FY 2014 thru July 2018
