UBS and its partners have developed lending solutions to serve the unique capital needs of small businesses. Funds available for loans include the Tri-State Business Opportunity Fund ($15 million for NY metro), Los Angeles Business Opportunity Fund ($10 million for Southern California), Chicagoland Business Opportunity Fund ($5 million for Chicago metro), and Greater Miami Business Loan Fund ($5 million for Florida loans). VEDC has assisted over 104,000 businesses, created and retained over 29,000 jobs, and loaned over $400 million throughout its 40 year history. It provides small business loans from $25,000 to $500,000 with average 12% rates and 3-7 year terms and no prepayment penalties.
Fear of foreclosure is at the forefront of the mind of many families. Changes in the economy have led to skyrocketing interest rates and ever increasing mortgage payments. Rather than walking away from your home, consider a foreclosure loan.
Fear of foreclosure is at the forefront of the mind of many families. Changes in the economy have led to skyrocketing interest rates and ever increasing mortgage payments. Rather than walking away from your home, consider a foreclosure loan.
Debt Collection is a hotly debated industry in 2014. With more enforcement action and more consumers getting into debt, many hold to firm opinions about the pros and cons of the trade. To help the discussion with some facts, we’re proud to present TrueAccord’s 2014 State of Debt Collection infographic.
The State of Debt Collection 2014 - Industry InfographicTrueAccord
Debt Collection is a hotly debated industry in 2014. With more enforcement action and more consumers getting into debt, many hold to firm opinions about the pros and cons of the trade. To help the discussion with some facts, we’re proud to present TrueAccord’s 2014 State of Debt Collection infographic.
Greater Central Texas Federal Credit Union provides affordable home and auto loans to the clients in Killeen, TX. The credit union offers various services such as payroll deduction, direct deposit, wire transfer, online access, ATM etc. For more information about the credit union in Killeen, visit www.gctfcu.net
Letzbank created a platform, where banks and non-banks display their products for our customers to investigate, check eligibility and apply online for loans. We dont fighting our customers for our online progress facilities.
Citi bank funds in the works to 70 % of magnify to value of your property. The quantum of finance ranges from 5 lacs to 5 crores adjoining residential properties. For public publication properties impinge on on amount occurring to 3 crores is offered by Citibank. Fewer documentation and fast admin of influence earliest makes it easy for customers to avail evolve from Citi bank.
The DC Doing Business Guide is an updated and improved version of the previous
edition released in 2012. The new guide covers information essential to relocating,
starting and expanding your business in the District of Columbia. Topics covered include Business Registration & Licensing, Business Financing & Taxes, Financial Incentives, Starting a Franchise, Technology Company Resource Guide and Doing Business with Local & Federal Government, among others. The 2014/2015 edition was released in August 2014.
About DSLBD
Mission
The Department of Small and Local Business Development (DSLBD) supports the development, economic growth, and retention of District-based businesses, and promotes economic development throughout the District's commercial corridors.
Vision
DSLBD envisions a business environment in which: DC businesses are connected in real-time with local, federal, and global business opportunities; businesses navigate government quickly, confidently, and effectively; and, every entrepreneur and business with a great idea and a great plan has the capital to make it happen.
in today’s business environment entrepreneurs need comprehensive and up-to-date information about finance and funding. Whether financing an innovative start-up or growing a mature business, sources of funding are not always easy to find. While the most common source of funding is a loan from a bank, many start-up’s cannot provide the security needed to borrow in today’s tight credit environment and need to find alternative sources such as special loan programs, crowdfunding, grants and business investors.
Any business needing additional funding will usually find that they need to assemble any number of financing pieces almost as if they are assembling a puzzle. that is why we are launching this revised edition of sources of funding to assist business leaders and entrepreneurs in finding the funding sources available to both start-ups and mature businesses.
We’ve included private equity, state and local grants, incentives as well as conventional debt financing.
We hope this publication will help business owners and entrepreneurs like you continue to create jobs and drive our economy forward.
The DC Department of Small & Local Business Development's presentation at the WDCEP's Entrepreneur Road Map Financial Incentives seminar held at Venable (8/13/14).
While many businesses may welcome fewer government regulations, what’s often most important to them is simply to spend less time on reporting and compliance. A focus on improving the customer experience may offer a key to reducing friction costs in government-business interactions. https://dupress.deloitte.com/dup-us-en/industry/public-sector/relationship-between-government-and-business-customer-experience.html
Debt Collection is a hotly debated industry in 2014. With more enforcement action and more consumers getting into debt, many hold to firm opinions about the pros and cons of the trade. To help the discussion with some facts, we’re proud to present TrueAccord’s 2014 State of Debt Collection infographic.
The State of Debt Collection 2014 - Industry InfographicTrueAccord
Debt Collection is a hotly debated industry in 2014. With more enforcement action and more consumers getting into debt, many hold to firm opinions about the pros and cons of the trade. To help the discussion with some facts, we’re proud to present TrueAccord’s 2014 State of Debt Collection infographic.
Greater Central Texas Federal Credit Union provides affordable home and auto loans to the clients in Killeen, TX. The credit union offers various services such as payroll deduction, direct deposit, wire transfer, online access, ATM etc. For more information about the credit union in Killeen, visit www.gctfcu.net
Letzbank created a platform, where banks and non-banks display their products for our customers to investigate, check eligibility and apply online for loans. We dont fighting our customers for our online progress facilities.
Citi bank funds in the works to 70 % of magnify to value of your property. The quantum of finance ranges from 5 lacs to 5 crores adjoining residential properties. For public publication properties impinge on on amount occurring to 3 crores is offered by Citibank. Fewer documentation and fast admin of influence earliest makes it easy for customers to avail evolve from Citi bank.
The DC Doing Business Guide is an updated and improved version of the previous
edition released in 2012. The new guide covers information essential to relocating,
starting and expanding your business in the District of Columbia. Topics covered include Business Registration & Licensing, Business Financing & Taxes, Financial Incentives, Starting a Franchise, Technology Company Resource Guide and Doing Business with Local & Federal Government, among others. The 2014/2015 edition was released in August 2014.
About DSLBD
Mission
The Department of Small and Local Business Development (DSLBD) supports the development, economic growth, and retention of District-based businesses, and promotes economic development throughout the District's commercial corridors.
Vision
DSLBD envisions a business environment in which: DC businesses are connected in real-time with local, federal, and global business opportunities; businesses navigate government quickly, confidently, and effectively; and, every entrepreneur and business with a great idea and a great plan has the capital to make it happen.
in today’s business environment entrepreneurs need comprehensive and up-to-date information about finance and funding. Whether financing an innovative start-up or growing a mature business, sources of funding are not always easy to find. While the most common source of funding is a loan from a bank, many start-up’s cannot provide the security needed to borrow in today’s tight credit environment and need to find alternative sources such as special loan programs, crowdfunding, grants and business investors.
Any business needing additional funding will usually find that they need to assemble any number of financing pieces almost as if they are assembling a puzzle. that is why we are launching this revised edition of sources of funding to assist business leaders and entrepreneurs in finding the funding sources available to both start-ups and mature businesses.
We’ve included private equity, state and local grants, incentives as well as conventional debt financing.
We hope this publication will help business owners and entrepreneurs like you continue to create jobs and drive our economy forward.
The DC Department of Small & Local Business Development's presentation at the WDCEP's Entrepreneur Road Map Financial Incentives seminar held at Venable (8/13/14).
While many businesses may welcome fewer government regulations, what’s often most important to them is simply to spend less time on reporting and compliance. A focus on improving the customer experience may offer a key to reducing friction costs in government-business interactions. https://dupress.deloitte.com/dup-us-en/industry/public-sector/relationship-between-government-and-business-customer-experience.html
Scott Entrepreneur Express, October 14, 2010 PresentationSandy Ratliff
FREE workshop geared towards small business owners as well as those who are thinking about becoming entrepreneurs. Accessing resources is crucial for a small business to start or grow. But in these challenging economic times finding financing, new customers/markets and accessing help within state and federal government can be difficult.
The Virginia Department of Business Assistance has partnered with Scott County Economic Development, Scott County Chamber of Commerce, and Wachovia Bank to offer a workshop designed to provide insight into areas of business ownership that often go overlooked and help connect you to FREE resources available to small business.
If you have questions or require additional information, contact the Scott County Chamber of Commerce at 54276-386-2525.
Scott County is partnered with Sandy Ratliff with the Virginia Department of Business Assistance to conduct this workshop.
This study was created to help understand how the novel Coronavirus (COVID-19) is impacting businesses within the St. Lawrence Corridor Region.
A business survey was sent using various digital media channels to businesses owners and executives, across the St. Lawrence Corridor, asking for their perspectives on how businesses will be impacted in the coming months
This study was created to help understand how the novel Coronavirus (COVID-19) is impacting businesses within the St. Lawrence Corridor Region.
A business survey was sent using various digital media channels to business owners and executives, across the St. Lawrence Corridor, asking for their perspectives on how businesses will be impacted in the coming months
The ABCs of Business Formation: Setting Up Your Company for Successlerchearly
You’ve got a great new business idea. Your family and friends are full of encouragement and hope – and some of them have already pulled out their wallets wanting to get in as initial investors.
Before taking the money, you should stop, take a step back, and develop a plan for how you’re going to form, fund and operate your new business venture.
This Debt Settlement opportunity is a "Plug and Play" solution. Back end customer service, negotiating all provided. Excellent training, ethics, compliance are all provided. This is a great fit to add an income stream to a mortgage company, loan modification company or financial service company. Excellent software as well as your personal account rep who is responsible for your success. This is also great for a sales manager. Very low entry $500. 7 figure income for the right person. Proforma available. 45 affiliates to date
Kseniya Leshchenko: Shared development support service model as the way to ma...Lviv Startup Club
Kseniya Leshchenko: Shared development support service model as the way to make small projects with small budgets profitable for the company (UA)
Kyiv PMDay 2024 Summer
Website – www.pmday.org
Youtube – https://www.youtube.com/startuplviv
FB – https://www.facebook.com/pmdayconference
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
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.
Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
Stay ahead of the curve with our premium MEAN Stack Development Solutions. Our expert developers utilize MongoDB, Express.js, AngularJS, and Node.js to create modern and responsive web applications. Trust us for cutting-edge solutions that drive your business growth and success.
Know more: https://www.synapseindia.com/technology/mean-stack-development-company.html
VAT Registration Outlined In UAE: Benefits and Requirementsuae taxgpt
Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
https://viralsocialtrends.com/vat-registration-outlined-in-uae/
RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
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/
Improving profitability for small businessBen Wann
In this comprehensive presentation, we will explore strategies and practical tips for enhancing profitability in small businesses. Tailored to meet the unique challenges faced by small enterprises, this session covers various aspects that directly impact the bottom line. Attendees will learn how to optimize operational efficiency, manage expenses, and increase revenue through innovative marketing and customer engagement techniques.
2. Access to Capital
Access to capital is among the most significant challenges facing small business owners today, and UBS and its partners have
developed lending solutions to serve the unique needs of this group.
UBS Community Affairs & Corporate Responsibility worked with VEDC and UBS Bank USA on this effort. Lending funds
available include: Tri-State Business Opportunity Fund ($15 million for loans in the New York metro area), Los Angeles
Business Opportunity Fund ($10 million for loans in Southern California), Chicagoland Business Opportunity Fund ($5 million
for loans in the Chicago metro area) and Greater Miami Business Loan Fund ($5 million for loans in Florida).
Our Expansion provides Access to Capital under Elevating Entrepreneurs
Los
Angeles
Chicag
o
NY Tri-
State
Nevada Miami
3. VEDC’s mission is to create and sustain jobs and
businesses in our communities by providing high-quality
small business development services.
Throughout its 40 year history, VEDC has:
• Assisted more than 104,000 businesses
• Created and retained over 29,000 jobs
• Opened over 2,100 new businesses
• Graduated 3,500 entrepreneurs from our
Entrepreneurial Training Program
• Loaned over $400 Million
75% of VEDC’s clientele is low to moderate income,
as well as over 45% minority and 55% women owned entrepreneurs.
VEDC’s Mission & History
VEDC-TBOF
29-28 41 Ave,
LIC, NY 11101
P: 212-231-4310
www.vedc.org/tri-state
4. LENDING PROGRAM
• Small Business Loans in amounts ranging
from $25,000 to $500,000
• Rates: average 12%
• Terms: 3 to 7 years
• No Prepayment Penalties
VEDC-TBOF
29-28 41 Ave,
LIC, NY 11101
P: 212-231-4310
www.vedc.org/tri-state
5. 1. How much money are you requesting?
2. What is the purpose of loan?
3. What will you be providing as collateral?
4. What is your experience in the industry or how long have you been in business?
5. What is the competition for your business?
6. How is your personal credit? Anything you would like to discuss with us?
7. Do you use the services of a CPA?
8. Do you have a business plan along with projections?
9. Do you lease or own the building you are operating out of?
If you lease, what are the terms of lease?
10. How much equity injection are you providing?
Questions for Borrower
VEDC-TBOF
29-28 41 Ave,
LIC, NY 11101
P: 212-231-4310
www.vedc.org/tri-state
7. Credit History:
Record of your
credit-based
transactions
Credit Score:
A number grade that
summarizes your overall
likelihood of repayment
Creditors:
Credit cards, auto loan,
home mortgage,
student loans, etc.
3 Credit Bureaus:
Trans Union, Equifax, &
Experian
VEDC-TBOF
29-28 41 Ave,
LIC, NY 11101
P: 212-231-4310
www.vedc.org/tri-state
9. Cash Flow:
Cash flow is crucial to a business' survival. Having ample cash on hand
will ensure that creditors, employees and others can be paid on time.
Debt Service Coverage Ratio (DSCR):
The amount of cash flow available to meet annual interest and
principal payments on debt. A DSCR of less than 1 would mean a
negative cash flow. A DSCR of less than 1, say 0.95, would mean that
there is only enough cash flow to cover 95% of annual debt payments.
Generally, lenders like to see a DSCR of 1.15 – 1.25.
VEDC-TBOF
29-28 41 Ave,
LIC, NY 11101
P: 212-231-4310
www.vedc.org/tri-state
10. Cash Inflow Cash Inflow
Wages 3,000$ Sales 10,000$
Total Cash Inflow 3,000$ Total Cash Inflow 10,000$
Cash Outflow Cash Outflow
Mortgage Payment 2,000$ Employee Salaries 4,500$
Car Payment 300$ Office Rent 2,000$
Credit Cards 200$ Advertising Expense 500$
Living Expenses 1,500$ Other Business Expense 1,000$
Total Cash Outflow 4,000$ Total Cash Outflow 8,000$
Net Income (1,000)$ Net Income 2,000$
Personal Business
Combined Cash Flow
Debt Coverage Ratio 1 : 1
Repayment Ability
Funding: 1,000$
VEDC Loan
VEDC-TBOF
29-28 41 Ave,
LIC, NY 11101
P: 212-231-4310
www.vedc.org/tri-state
