Small Business Majority's Illinois webinar presentation. This webinar provided tips about accessing traditional bank loans and state and federal programs that may be right for small business. We also talked about some long-term policy solutions that could ensure that small businesses get the credit they deserve. We also discussed what the new healthcare law, the Affordable Care Act, means for Illinois small business.
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.
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Kentucky small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
The Affordable Care Act provides new opportunities and protections for small businesses and individuals. It creates a Small Business Health Options Program (SHOP) insurance marketplace where small businesses can compare plans side by side. It also provides immediate tax credits for many small businesses to offset premium costs. Individuals and families can purchase plans through state insurance marketplaces starting in October 2013. The ACA aims to expand coverage while reining in healthcare costs over the long run.
Supply- Demand of Capital in SE- East Africa (sanitaized) Faheem Noor Ali
This document summarizes findings from interviews with social enterprise investors and entrepreneurs in East Africa regarding the supply and demand of capital. It finds that there is a financing gap, as most funding available is for early-stage enterprises while entrepreneurs need funding to scale. There is also disagreement between investors and entrepreneurs over risk perceptions and definitions of social enterprise. Suggested interventions include providing technical assistance to strengthen entrepreneurs and mitigate investor risk through capital guarantees.
Bangladesh has achieved notable success in promoting inclusive growth through extensive financial inclusion initiatives led by Bangladesh Bank. Key outcomes include sustained GDP growth above 6% accompanied by declining poverty and inequality. Agricultural and SME lending has increased substantially, with women's entrepreneurship and mobile banking also expanding greatly. This has contributed to macroeconomic stability while broadening economic participation. Going forward, Bangladesh Bank is further mainstreaming inclusive finance across its policy, operations, and supervision to fully realize the benefits of an inclusive financial system.
The document discusses establishing a Hawaii Partnership Bank modeled after the successful Bank of North Dakota. It argues that such a bank would keep Hawaii's tax revenue and public deposits in the local economy, supporting community banks and small businesses. This could generate over $1.7 billion in new lending, create thousands of jobs, and return millions in annual profits to the state. By partnering with local banks, a Hawaii Partnership Bank would strengthen the local economy and make it less dependent on large offshore banks.
LGT Venture Philanthropy provides funding and support to social enterprises through a venture philanthropy model. They focus on organizations serving the base of the pyramid and have supported over 40 organizations improving the lives of over 4.5 million people. Their criteria for renewable energy investments includes organizations solving energy access problems through scalable solutions, with a focus on supporting young, growing organizations through long-term engagement including funding, management expertise, and networks. They conduct in-depth due diligence on the ground before investing.
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.
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Kentucky small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
The Affordable Care Act provides new opportunities and protections for small businesses and individuals. It creates a Small Business Health Options Program (SHOP) insurance marketplace where small businesses can compare plans side by side. It also provides immediate tax credits for many small businesses to offset premium costs. Individuals and families can purchase plans through state insurance marketplaces starting in October 2013. The ACA aims to expand coverage while reining in healthcare costs over the long run.
Supply- Demand of Capital in SE- East Africa (sanitaized) Faheem Noor Ali
This document summarizes findings from interviews with social enterprise investors and entrepreneurs in East Africa regarding the supply and demand of capital. It finds that there is a financing gap, as most funding available is for early-stage enterprises while entrepreneurs need funding to scale. There is also disagreement between investors and entrepreneurs over risk perceptions and definitions of social enterprise. Suggested interventions include providing technical assistance to strengthen entrepreneurs and mitigate investor risk through capital guarantees.
Bangladesh has achieved notable success in promoting inclusive growth through extensive financial inclusion initiatives led by Bangladesh Bank. Key outcomes include sustained GDP growth above 6% accompanied by declining poverty and inequality. Agricultural and SME lending has increased substantially, with women's entrepreneurship and mobile banking also expanding greatly. This has contributed to macroeconomic stability while broadening economic participation. Going forward, Bangladesh Bank is further mainstreaming inclusive finance across its policy, operations, and supervision to fully realize the benefits of an inclusive financial system.
The document discusses establishing a Hawaii Partnership Bank modeled after the successful Bank of North Dakota. It argues that such a bank would keep Hawaii's tax revenue and public deposits in the local economy, supporting community banks and small businesses. This could generate over $1.7 billion in new lending, create thousands of jobs, and return millions in annual profits to the state. By partnering with local banks, a Hawaii Partnership Bank would strengthen the local economy and make it less dependent on large offshore banks.
LGT Venture Philanthropy provides funding and support to social enterprises through a venture philanthropy model. They focus on organizations serving the base of the pyramid and have supported over 40 organizations improving the lives of over 4.5 million people. Their criteria for renewable energy investments includes organizations solving energy access problems through scalable solutions, with a focus on supporting young, growing organizations through long-term engagement including funding, management expertise, and networks. They conduct in-depth due diligence on the ground before investing.
The document discusses automated financial advice in South Africa. It finds that South Africans are open to using automated financial advice and many are willing to pay for it. Consumers currently rely heavily on financial advisers for affirmation and guidance when purchasing financial products. Younger consumers particularly seek help making sense of their finances. While automated advice is less developed in South Africa than other markets, there is growing interest, especially in using it to help with budgeting and bill minimization. However, establishing automated advice at scale remains a challenge due to South Africa's smaller financial market.
Problems of microcredit among microenterprises in nigeriaAlexander Decker
1. This study assessed the problems of microcredit among microenterprises in Nigeria and aimed to provide recommendations. It found that problems of microcredit have significant negative effects on the performance of microenterprises.
2. The study was conducted in Aba, Nigeria, which has a high concentration of microenterprises. Data was collected through questionnaires and interviews and analyzed using statistical tests.
3. Key problems identified included lack of access to financing due to lack of banking relationships, financial records, and acceptable collateral. High interest rates, slow bank support, and lack of venture capital funding were also issues.
BRAC pioneered the Graduation approach in Bangladesh in 2002 to help extremely poor people transition out of poverty through the provision of livelihood assets, cash transfers, training and mentoring. Since then, over 100 partners in nearly 50 countries have implemented Graduation, reaching approximately 14 million people. Research shows 93% of participants in Bangladesh experienced sustained benefits 7 years later including increased earnings, consumption, savings and assets. Graduation has been shown to provide a "big push" to help people escape poverty long-term and build sustainable livelihoods and resilience against shocks.
Financial inclusion provides access to formal financial services for disadvantaged groups and small businesses, promoting economic development. Globally, half of all adults lack bank accounts, including 80% of those living on under $2 per day. Without access to financing, small businesses and families must rely on informal mechanisms, hindering investment, employment, and growth. Financial inclusion can be expanded through initiatives like microfinance, mobile banking, and financial education, enabling people to invest, manage cash flow, and build resilience, lifting incomes and reducing poverty. Governments and organizations should promote financial inclusion programs that can generate employment and entrepreneurship.
Financing for Development - Financing MSMEs for Economic Growth and DevelopmentR. M
A digital artifact aimed at proposing a financing solution to the credit issue faced by MSMEs in Nigeria. The target of this presentation is a cross section of public sector agents who can engage the development community to seek solutions to the aforementioned issue. The presentation proposes two major solutions; technical assistance to make Nigeria's business environment conducive to businesses, and a financing solution that allows for flow of much needed credit to the MSME sector through the creation of a national development bank. The importance of funding MSMEs cannot be overstated; they are drivers of not only economic growth but serve service other development agendas such as poverty eradication, reduction in wealth imbalances, employment generation etc. Consequently, it is imperative to provide support to MSMEs, especially in developing countries where they lack access to finance, if we are to achieve a key portion of the SDGs.
Joanna charles access to finance world bank ja 2012cgrowth
This presentation summarizes the Bank of Saint Lucia's experience and initiatives in developing the SME market. Key points include:
- SMEs represent an estimated $700 million market but face challenges accessing financing.
- BOSL has built an $95 million SME portfolio serving over 1,300 customers.
- Initiatives like staff training, streamlined assessments, and a dedicated SME unit have helped improve portfolio quality and outreach.
- Continued efforts involve product development, technical assistance, and partnerships with government and private organizations.
Global Financial Development Report 2014 - Financial InclusionWB_Research
As mobile banking and other technological innovations fuel the expansion of financial services in many developing countries, a new World Bank Group report urges policy makers to focus on products that benefit the poor, women and other vulnerable groups the most.
Power point presentation from the small business administration (pdf)CVSSurveyors701
CVS Surveyors has an excellent track record.In rating we have an average reduction rate of 9.2%,an industry enviable average.In rent we have reduced our Clients rent liabilities by an average of 10.4%.
SMEs play a major role in job creation but face significant financing constraints. They provide over 50% of formal jobs in emerging markets and create the majority of new jobs, especially in low-income countries. However, SMEs experience a large financing gap estimated at $1 trillion. Improving access to finance for SMEs through measures like credit reporting, collateral registries, and innovative financing structures can significantly boost employment and economic growth. The SME Finance Forum was created as a global knowledge sharing platform to disseminate best practices in SME financing.
Other NGOs such as Dustho Shasthya Kendro (DSK), Nijera Kori, ASA etc should give an positive steps to follow BRAC, Grammen Bank and Gono Shasthya Kendro (GSK) to develop social business in order to earn fund in collaboration of overseas investors who consider the impact of their investment and profit. The local NGOs should change their mind and reform themselves to attract overseas investments.
U.S. Small Business Administration Overviewnado-web
Betsy Markey, Regional Administrator of the U.S. Small Business Administration provided a presentation on the work of the center during the conference Create, Challenge, Change: Economic Development Conference for the Denver Region. This presentation occurred during the session "Promoting Innovation, Entrepreneurship, and Ideas that Create Businesses and Jobs."
Sme Financing International Best Practicesguest76ed2bc
The document discusses best practices for SME financing based on international experience. It outlines the importance of SMEs and factors that support entrepreneurship. Key recommendations include simplifying regulations to encourage financing, developing credit guarantee programs and equity investment funds through public-private partnerships, and providing management training. A pilot program is proposed involving government-backed loans to attract private equity investors into new SME investment funds.
Alternative Data Transforming SME FinanceJohn Owens
Presentation on the paper "Alternative Data Transforming SME Finance" presented at the Global Partnership for Financial Inclusion 2017 forum in Berlin, Germany #GPFI
Special thanks to my co-auithor, Lisa Wilhelm who provided substantial inputs for this paper and presentation.
The document outlines 25 ways for businesses to get loans and credit when denied by banks, including SBA loans, asset-based lines of credit, invoice factoring, merchant cash advances, and commercial mortgages. It provides details on eligibility requirements, loan amounts, interest rates, and processes for each alternative financing option.
Funding Sme – The Challenges And Risk Within - Mezzanine Financing - Part - 8Resurgent India
This document discusses mezzanine financing and access to equity capital for small and medium enterprises (SMEs) in India. It explains that mezzanine financing, which sits between traditional debt and equity, can help address financing gaps for SMEs. While mezzanine financing shows potential, it remains largely available only to larger companies in India currently. The document also discusses how SME exchanges launched by Indian stock exchanges aim to help SMEs access institutional and retail equity capital. Over 30 companies have listed on the BSE SME exchange since its launch in 2012. Accessing alternative sources of financing like mezzanine funding and equity markets can help improve SME competitiveness and contribution to the Indian economy.
This document discusses employee ownership and impact investing. It finds that while employee ownership has benefits, it is largely missing from impact investing opportunities. Some emerging options for impact investors include investing in worker cooperatives through community development financial institutions or ESOPs. However, greater awareness and infrastructure is still needed to advance these opportunities and connect employee ownership more fully with impact investing.
Digital Financial Inclusion in Bangladesh: Planning Better, Executing Faster...Anir Chowdhury
Bangladesh is rapidly including people financially: 30 million plus MFS accounts. However, the financial inclusion is limited to P2P only. Comprehensive and aggressive efforts are needed to digitize G2P, P2G, B2P and P2B payments. BTCA's toolkits will be used to plan better, execute faster and move together.
This document discusses succession and retirement planning for small businesses. It covers:
1. Key considerations in planning, such as choosing a successor like employees, family, or a third party, and using buy-sell agreements.
2. The transaction/transition process, including representation needed, tax issues, and post-transition roles for the owner.
3. Post-transition planning like continuing the business relationship, retirement savings, and estate planning.
The presentation provides an overview of the essential steps and issues to address in succession and retirement planning for small business owners.
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Alabama small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
The document discusses automated financial advice in South Africa. It finds that South Africans are open to using automated financial advice and many are willing to pay for it. Consumers currently rely heavily on financial advisers for affirmation and guidance when purchasing financial products. Younger consumers particularly seek help making sense of their finances. While automated advice is less developed in South Africa than other markets, there is growing interest, especially in using it to help with budgeting and bill minimization. However, establishing automated advice at scale remains a challenge due to South Africa's smaller financial market.
Problems of microcredit among microenterprises in nigeriaAlexander Decker
1. This study assessed the problems of microcredit among microenterprises in Nigeria and aimed to provide recommendations. It found that problems of microcredit have significant negative effects on the performance of microenterprises.
2. The study was conducted in Aba, Nigeria, which has a high concentration of microenterprises. Data was collected through questionnaires and interviews and analyzed using statistical tests.
3. Key problems identified included lack of access to financing due to lack of banking relationships, financial records, and acceptable collateral. High interest rates, slow bank support, and lack of venture capital funding were also issues.
BRAC pioneered the Graduation approach in Bangladesh in 2002 to help extremely poor people transition out of poverty through the provision of livelihood assets, cash transfers, training and mentoring. Since then, over 100 partners in nearly 50 countries have implemented Graduation, reaching approximately 14 million people. Research shows 93% of participants in Bangladesh experienced sustained benefits 7 years later including increased earnings, consumption, savings and assets. Graduation has been shown to provide a "big push" to help people escape poverty long-term and build sustainable livelihoods and resilience against shocks.
Financial inclusion provides access to formal financial services for disadvantaged groups and small businesses, promoting economic development. Globally, half of all adults lack bank accounts, including 80% of those living on under $2 per day. Without access to financing, small businesses and families must rely on informal mechanisms, hindering investment, employment, and growth. Financial inclusion can be expanded through initiatives like microfinance, mobile banking, and financial education, enabling people to invest, manage cash flow, and build resilience, lifting incomes and reducing poverty. Governments and organizations should promote financial inclusion programs that can generate employment and entrepreneurship.
Financing for Development - Financing MSMEs for Economic Growth and DevelopmentR. M
A digital artifact aimed at proposing a financing solution to the credit issue faced by MSMEs in Nigeria. The target of this presentation is a cross section of public sector agents who can engage the development community to seek solutions to the aforementioned issue. The presentation proposes two major solutions; technical assistance to make Nigeria's business environment conducive to businesses, and a financing solution that allows for flow of much needed credit to the MSME sector through the creation of a national development bank. The importance of funding MSMEs cannot be overstated; they are drivers of not only economic growth but serve service other development agendas such as poverty eradication, reduction in wealth imbalances, employment generation etc. Consequently, it is imperative to provide support to MSMEs, especially in developing countries where they lack access to finance, if we are to achieve a key portion of the SDGs.
Joanna charles access to finance world bank ja 2012cgrowth
This presentation summarizes the Bank of Saint Lucia's experience and initiatives in developing the SME market. Key points include:
- SMEs represent an estimated $700 million market but face challenges accessing financing.
- BOSL has built an $95 million SME portfolio serving over 1,300 customers.
- Initiatives like staff training, streamlined assessments, and a dedicated SME unit have helped improve portfolio quality and outreach.
- Continued efforts involve product development, technical assistance, and partnerships with government and private organizations.
Global Financial Development Report 2014 - Financial InclusionWB_Research
As mobile banking and other technological innovations fuel the expansion of financial services in many developing countries, a new World Bank Group report urges policy makers to focus on products that benefit the poor, women and other vulnerable groups the most.
Power point presentation from the small business administration (pdf)CVSSurveyors701
CVS Surveyors has an excellent track record.In rating we have an average reduction rate of 9.2%,an industry enviable average.In rent we have reduced our Clients rent liabilities by an average of 10.4%.
SMEs play a major role in job creation but face significant financing constraints. They provide over 50% of formal jobs in emerging markets and create the majority of new jobs, especially in low-income countries. However, SMEs experience a large financing gap estimated at $1 trillion. Improving access to finance for SMEs through measures like credit reporting, collateral registries, and innovative financing structures can significantly boost employment and economic growth. The SME Finance Forum was created as a global knowledge sharing platform to disseminate best practices in SME financing.
Other NGOs such as Dustho Shasthya Kendro (DSK), Nijera Kori, ASA etc should give an positive steps to follow BRAC, Grammen Bank and Gono Shasthya Kendro (GSK) to develop social business in order to earn fund in collaboration of overseas investors who consider the impact of their investment and profit. The local NGOs should change their mind and reform themselves to attract overseas investments.
U.S. Small Business Administration Overviewnado-web
Betsy Markey, Regional Administrator of the U.S. Small Business Administration provided a presentation on the work of the center during the conference Create, Challenge, Change: Economic Development Conference for the Denver Region. This presentation occurred during the session "Promoting Innovation, Entrepreneurship, and Ideas that Create Businesses and Jobs."
Sme Financing International Best Practicesguest76ed2bc
The document discusses best practices for SME financing based on international experience. It outlines the importance of SMEs and factors that support entrepreneurship. Key recommendations include simplifying regulations to encourage financing, developing credit guarantee programs and equity investment funds through public-private partnerships, and providing management training. A pilot program is proposed involving government-backed loans to attract private equity investors into new SME investment funds.
Alternative Data Transforming SME FinanceJohn Owens
Presentation on the paper "Alternative Data Transforming SME Finance" presented at the Global Partnership for Financial Inclusion 2017 forum in Berlin, Germany #GPFI
Special thanks to my co-auithor, Lisa Wilhelm who provided substantial inputs for this paper and presentation.
The document outlines 25 ways for businesses to get loans and credit when denied by banks, including SBA loans, asset-based lines of credit, invoice factoring, merchant cash advances, and commercial mortgages. It provides details on eligibility requirements, loan amounts, interest rates, and processes for each alternative financing option.
Funding Sme – The Challenges And Risk Within - Mezzanine Financing - Part - 8Resurgent India
This document discusses mezzanine financing and access to equity capital for small and medium enterprises (SMEs) in India. It explains that mezzanine financing, which sits between traditional debt and equity, can help address financing gaps for SMEs. While mezzanine financing shows potential, it remains largely available only to larger companies in India currently. The document also discusses how SME exchanges launched by Indian stock exchanges aim to help SMEs access institutional and retail equity capital. Over 30 companies have listed on the BSE SME exchange since its launch in 2012. Accessing alternative sources of financing like mezzanine funding and equity markets can help improve SME competitiveness and contribution to the Indian economy.
This document discusses employee ownership and impact investing. It finds that while employee ownership has benefits, it is largely missing from impact investing opportunities. Some emerging options for impact investors include investing in worker cooperatives through community development financial institutions or ESOPs. However, greater awareness and infrastructure is still needed to advance these opportunities and connect employee ownership more fully with impact investing.
Digital Financial Inclusion in Bangladesh: Planning Better, Executing Faster...Anir Chowdhury
Bangladesh is rapidly including people financially: 30 million plus MFS accounts. However, the financial inclusion is limited to P2P only. Comprehensive and aggressive efforts are needed to digitize G2P, P2G, B2P and P2B payments. BTCA's toolkits will be used to plan better, execute faster and move together.
This document discusses succession and retirement planning for small businesses. It covers:
1. Key considerations in planning, such as choosing a successor like employees, family, or a third party, and using buy-sell agreements.
2. The transaction/transition process, including representation needed, tax issues, and post-transition roles for the owner.
3. Post-transition planning like continuing the business relationship, retirement savings, and estate planning.
The presentation provides an overview of the essential steps and issues to address in succession and retirement planning for small business owners.
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Alabama small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
What the New Healthcare Law Means for Your South Carolina Small BusinessSmall Business Majority
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for South Carolina small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Affordable Care Act 101: What the Healthcare Law Means for Small BusinessSmall Business Majority
The document provides information about how the Affordable Care Act (ACA) aims to increase access to affordable health care for small businesses. It discusses how the ACA reduces premium costs and increases access through provisions such as prohibiting denial of coverage due to pre-existing conditions. It also describes new options for small businesses through the Small Business Health Options Program (SHOP) Marketplace, where businesses can offer employees a choice of plans and qualify for tax credits to help pay premiums. The SHOP will begin enrolling small businesses for 2014 coverage starting in October 2013.
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Tennessee small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Congressman Eric Swalwell, the Hayward Chamber of Commerce and Small Business Majority held a townhall meeting on the healthcare law and what it means for small businesses. We focused on the key federal and state provisions impacting small businesses and what new health insurance options are available.
This webinar focused on what the new healthcare law, the Affordable Care Act, means for small businesses and practices like yours. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Georgia small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Affordable Care Act 101: What the Healthcare Law Means for Small BusinessSmall Business Majority
August 8, 2013. Hosted by the U.S. Small Business Administration and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Affordable Care Act 101: What The Health Care Law Means for Small BusinessesSmall Business Majority
Small businesses have long struggled with access to affordable health care coverage. The Affordable Care Act aims to address this issue by lowering premium costs for small businesses and increasing their access to quality, affordable plans. Beginning in 2014, small businesses will be able to purchase coverage for their employees through the new Small Business Health Options Program Marketplaces. These SHOP Marketplaces will offer small businesses a choice of plans and increase transparency. Employers with 50 or more full-time employees may face penalties if they do not offer affordable coverage to employees beginning in 2015, but over 96% of businesses are exempt from these employer responsibility provisions.
This webinar focused on what the new healthcare law, the Affordable Care Act, means for small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Your Bottom Line: What the Affordable Care Act Means For Your Nebraska Small ...Small Business Majority
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Nebraska small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
1) The document discusses the SEC's proposed rules for equity crowdfunding under the JOBS Act and the potential impact on small businesses.
2) It outlines some of the SBA's recommendations to help small businesses take advantage of crowdfunding, such as providing training through SBA resource partners and convening roundtables between accelerators and crowdfunding platforms.
3) The SBA will also work to identify best practices, assist with intellectual property protection, and increase outreach and education on crowdfunding.
Affordable Care Act 101: What the New Healthcare Law Means for Your Small Bus...Small Business Majority
August 15, 2013. Hosted by the U.S. Small Business Administration and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
The document provides information about how the Affordable Care Act benefits small businesses in Illinois. It discusses how the law provides immediate tax credits for small businesses to help pay for employee health insurance and creates a health insurance exchange by 2014 where small businesses can purchase affordable plans. It also summarizes other provisions that help small businesses and consumers, such as banning pre-existing condition exclusions and allowing adult children to stay on their parents' plans until age 26.
DSLBD and our partners at the Small Business Administration (SBA), KPMG Spark and HSBC hosted a special small business webinar on Thursday, April 30 to discuss the DC Capital Connector - a District Government online tool that provides access to capital for small businesses - and other funding opportunities for District-based small businesses.
Institutional Banking Services, N.A. CORP (IBS, NA) is a privately held corporate banking firm that provides corporate finance, cash management, insurance, and consulting services. It has four ancillary sectors: IBS Insurance Associates, IBS Realty Group, American Resolutions, and IBS Investment Bank. IBS Investment Bank specializes in direct investments in small to middle market businesses and acquisition of commercial and residential real estate. It provides asset-based lending from $500,000 to $30 million secured by accounts receivable, inventory, machinery/equipment, purchase orders, intellectual property, and commercial real estate.
Small business loan options for native american owned businessesMerchant Advisors
Native American business are facing unique financial challenges. We can help minority businesses to grow with a range of small business loan options. https://www.onlinecheck.com/blog/business-loans/small-business-loan-options-for-native-american-businesses/
Small business funding vs. small business grants how to chooseMerchant Advisors
Here is a complete guide to help you decide small business grants vs small business funding and how to choose them for your business. For more information. visit at https://www.onlinecheck.com/blog/business-loans/small-business-loans-vs-business-grants/
On Thursday July 19th, 2012, the Taylor-Wilks Group held a free Health Care Symposium to provide resources and answer questions regarding the Affordable Care Act. This is some content from the event.
Business Group Resources (BGR) has helped businesses across a range of industries realize millions of dollars in savings from available business incentive programs. Cutting costs and increasing profits are critical to every business, especially during difficult economic times. However, even when times are good, your company cannot afford to overlook opportunities to improve the bottom line with incentives, grants, and other economic development programs offered through federal, state, and local programs.
Business Group Resources (BGR) is focused on assisting companies in obtaining maximum value from incentives and profit recovery programs. Our integrated suite of consulting services is designed to facilitate a wide range of lucrative programs for your company.
Please review the following attachments. Complete, sign and return to be to begin the estimated 8-10 week process. When ready, let us carve out time to review the program and set the expectation of the process.
This document summarizes options for small business funding. It discusses community development financial institutions (CDFIs) that provide loans under $250k for underserved entrepreneurs. It also discusses SBA loan programs that guarantee portions of bank loans. Alternative online lenders are described as providing quick approval but at higher interest rates, so caution is advised. The document recommends researching funding options and understanding requirements like the 5 C's of credit before applying for loans. Resources like Venturize.org are provided to help small businesses compare funding options and become loan-ready.
Small Business Administration (SBA) FinancingHeather Johnson
SBA loans are the best alternative for those seeking to build a new business or refinance an existing one. Here is everything about how to get SBA financing.
This newsletter provides updates on small business resources and programs in Michigan. It announces an upcoming procurement event for small businesses to meet with government buyers. It also shares statistics showing an increase in SBA loan activity and numbers in 2010 compared to 2009. Additionally, it includes information on affordable healthcare options and requirements under the new healthcare law.
The document summarizes the Small & Minority-Owned Business Assistance Program (SMOB) in Tennessee. The program provides loans between $10,000-$125,000 and technical assistance services to small, woman-owned, and minority businesses in the state. Businesses must have gross receipts under $4 million and not be in exempt industries like real estate or insurance. Loan proceeds can be used for various business expenses and interest rates are as low as 2% below prime. The application process involves submitting a participation request form and may involve working with a technical assistance provider to develop a business plan.
1. The document discusses various aspects of starting and developing a new business venture including the steps involved, sources of funding and support available to entrepreneurs, and challenges that may be faced.
2. It describes several government institutions that provide funding, guidance and other support to entrepreneurs such as SIDBI, NABARD, and EXIM Bank of India.
3. The document also discusses the types of capital required for a new business including fixed capital for long-term assets and working capital for short-term operational needs, as well as sources of financing for each.
What the New Healthcare Law Means for Your Mississippi Small BusinessSmall Business Majority
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Mississippi small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Scaling Up Business: Finding the Capital You Need to Survive the Crisis with ...Boston New Technology
Anthony Price is CEO and Founder of LootScout:
Our mission is to eliminate small-business failure by creating must-have products, which leads to 100,000 jobs with an economic impact of $1 billion. Our products help people succeed. What's your dream? Our vision is a world where failure has been disrupted and people are free to pursue whatever they want to make the world a better place. Failure is lurking for entrepreneurs, small-business owners, and everyone. But you should never fear trying something new, You must be prepare, train, build, practice, learn. You can do it. Learn more: http://bit.ly/BNTloot
These slides cover:
- The Paycheck Protection Program (PPP)
- SBA Economic Injury Disaster Assistance (EIDA) Loans
- State Programs
- Grant Opportunities
- How to Approach Investors during this uncertain time
- Investment Crowdfunding
- How to position your business beyond survival
- Futuristic tips to grow your business and serve customers
Visit BNT's website for awesome startup videos, upcoming events, opportunities and much more: https://BostonNewTechnology.com
SBA Economic Injury Disaster Loan Slides from a presentation in MinnesotaBucky Beeman
On this call, I record the SBA Economic Injury Disaster Loan training that was being explained by Twila Kennedy the Lead Economic Development Specialist in the Minnesota District Office for the U.S. Small Business Administration.
Below are additional resources for you to check into including a screen recording of the entire call.
YOUTUBE VIDEO:
https://youtu.be/LucPI6bA7uI
AUDIO RECORDING:
https://audioboom.com/posts/7537126-details-on-the-sba-economic-injury-disaster-loan-training-recording-from-minnesota
PRESENTER:
Twila Kennedy
Lead Economic Development Specialist
Minnesota District Office
U.S. Small Business Administration
330 2nd Avenue South #430
Minneapolis, MN 55401
(612)370-2300
Cell (202) 805-9880
Fax (202) 481-5920
twila.kennedy@sba.gov
www.sba.gov/coronavirus
https://www.sba.gov/local-assistance
SBA Minnesota District Office
Minneapolis.mn@sba.gov
Sign up for updates at www.sba.gov/updates
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Denis is a dynamic and results-driven Chief Information Officer (CIO) with a distinguished career spanning information systems analysis and technical project management. With a proven track record of spearheading the design and delivery of cutting-edge Information Management solutions, he has consistently elevated business operations, streamlined reporting functions, and maximized process efficiency.
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Date: May 29, 2024
Tags: Information Security, ISO/IEC 27001, ISO/IEC 42001, Artificial Intelligence, GDPR
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9
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Your Bottom Line: A Small Business Approach to Accessing Credit and Navigating Health Reform in Illinois
1. A Small Business Approach To
Accessing Credit
&
Healthcare Reform in Illinois
January 11, 2012
2. About Small Business Majority
• National public policy advocacy organization –
founded and run by small business owners
• Research and advocacy on issues of top
importance to small businesses (<100
employees) and the self-employed
• Areas of focus: clean energy, healthcare, access
to capital, jobs and the economy
3. 3
Current Challenges Small
Businesses Face in
Accessing Capital and
Health Insurance
Marianne Markowitz
SBA Regional Administrator
IL, IN, MI, MN, OH, WI
4. U.S. Small Business
Administration
Mission: Our mission is to help small
businesses start and succeed
SBA’s 3Cs: Capital, Counseling, Contracting
7. Access to Capital
Loan size raised from $2 million
to $5 million
Microloans from $35,000 to $50,000
Record increase in Illinois lenders using
SBA loan programs
8. Access to Capital
President’s National Export Initiative
Export Express Pilot
STEP grants: $90 million
competitive grants
9. Obama Economic Policy
Affordable Care Act
---
Success of Jobs Act
22 straight months of job growth=2 million jobs
More private sector jobs created in 2011 since 2005
10. Obama Economic Policy (cont’d)
American Jobs Act
Support for returning veterans
Payroll tax cut=tax cut for260,000 Illinois firm
Unemployment insurance reformation
Infrastructure Investment= $1.8 billion for Illinois
11. Healthcare
Healthcare is a MAJOR concern for small business
owners – in fact according to an NFIB study it’s been the
number one concern of small business owners every
year since 1986.
Small businesses currently pay as much as 18 percent
more for the same coverage as big companies under the
current system.
Job Lock
13. Contact Information
SBA Illinois District Office
500 West Madison, Suite 1150
Chicago, IL 60661
(312) 353-4528
www.sba.gov
Follow us on www.twitter.com/SBAgreatlakes
www.facebook.com/SBAGreatLakes
15. The Big Credit Squeeze
• Higher reserve requirements mean less money to
lend for banks.
• Banks would rather lend to larger companies
because the effort is the same, and a perception
that small business lending is more risky.
• Traditional collateral assets have been degraded
(real estate and receivables).
• FDIC used to approve 300 new bank charters
annually replacing the churn of failing banks.
FDIC has approved only three new national bank
charters in the last two years.
16. Who cares and why?
• Business and policy makers
• Banks are doing what’s right for them, but
that’s hurting small business and the
economy
• In many recessions, small businesses
produce all of the jobs that lift the
economy to recovery
17. What should I do?
• Talk to your Bank
o Ask your bank if they have someone who has
worked with clients to get loans from the
Small Business Administration (specifically
the 7(a) or 7(m) loan programs), and ask to
be directed to that person.
o If your bank has refused you credit, tell them
you will leave for a lender that offers credit.
18. Who offers small business credit?
• Smaller banks and community banks with
a more local or regional footprint are the
place most small businesses access
credit.
• Banks with dedicated SBA specialists.
19. SBA Loans
• 7(a) - Lending Program
o Loan guarantee program
o Financing up to $750,00 from qualified
lenders
o Working capital, asset purchases and
leasehold purchases
o Personal guarantees required from owners with
20% stake or more
o 10-year term
o Available only to people with no other
resources
20. SBA Loans (cont’d)
• 7(m) - Microloan Program
o Loans funded entirely by SBA
o The program not fully funded
o Smaller, microloans
o Funds are unrestricted and available to start
-ups
o Typically loans come with required enrollment
in technical assistance classes
21. Small Business Lending Fund
• Treasury Department initiative to deploy
$30 billion in small bank investment to
free capital for lending (part of 2010 Jobs
and Credit Act)
• Limited to small lenders
• http://www.treasury.gov/resource-center
/sb-programs/Pages/sblf-map.aspx
– In Illinois, 22 institutions in 251 locations have
received funds
– 78% of participating community banks have
increased their small business lending
22. Factoring
• What is factoring?
o Using your sales receipts as collateral
for a loan, which the lender collects.
This takes the focus of the loan off
your business and puts it on your
customer.
23. What is Small Business Majority
working on?
• Working with alternative lenders to find
new sources of capital.
• Working with state and federal agencies to
ensure smooth capital deployment.
– SBA
– Treasury Department
24. SBA
Resource
Partners
Women’s
Business
Centers
(WBC)
SCORE
Small
Business
Development
Centers
(SBDC)
Illinois
Small
Business
Development
Center
Services
-‐ one-‐on-‐one
confiden)al
business
advice
and
technical
assistance
-‐
up
to
date,
relevant
business
informa)on
and
management
training
-‐
strategic
business
planning
and
financial
analysis
-‐
access
to
capital
iden)fica)on
and
prepara)on
assistance
-‐
marke)ng
research
and
marke)ng
plan
development
-‐
export
development
and
interna)onal
trade
guidance
-‐
government
contrac)ng
assistance
-‐ technology,
innova)on
and
entrepreneurship
25. Illinois
Small
Business
Development
Center
Business
Informa?on
Center
800-‐252-‐2923
www.ilsbdc.biz
27. The New Health Reform Law
• Provides immediate tax credits for most small
businesses ($40 billion in credits by 2019)
• Provides immediate access to a Preexisting
Condition Insurance Plan for the self-employed
• Establishes a
competitive marketplace
for small businesses and
the self-employed in 2014
28. Small business tax credits
• Available to businesses with employees
• Takes effect immediately (tax year 2010)
• Which businesses are eligible?
Fewer than 25 full-time employees
Average annual wages <$50,000
Employer pays at least 50% of the premium
cost
29. Small business tax credits
Our report: 159,900 Illinois small businesses are
eligible (78.5% of all IL businesses); 48,400
businesses eligible for the maximum credit
30. Small business tax credits
• Tax credits on a sliding scale:
o Up to 35% of premium expenses for 2010–13
o Up to 50% of premium expenses for any two
years beginning 2014
• Tax credits do not cover premium expenses of
owners or their families
• Tax credits can not be claimed by the self-
employed
• Still available for those who filled extensions
or as an amendment to your 2010 taxes
31. How to claim the small business
tax credit
• Small employers (businesses or tax-exempt) will
use new Form 8941, available on www.irs.gov
• Small businesses will include the amount of the
credit as part of the general business credit on
their income tax returns
• The credit can be reflected
in determining estimated
tax payments for a year
• The credit applies towards
income tax, not
employment tax
32. Preexisting Condition Insurance
Plan (formerly high-risk pools)
• Available to individuals -- incl. self-employed
• Takes effect immediately
• Eligibility: People who have been uninsured for six
months and have been denied for a preexisting
condition or have a letter from a physician
• Plans = lower premiums due to federal funding
($5 billion until 2014)
• Available until full implementation in
2014 (no gap in coverage)
• http://insurance.illinois.gov/IPXP/
33. State Health Insurance
Exchanges: Coming in 2014
• Large marketplace to shop for health coverage
o Purchasing pool to increase buying power and reduce
administrative costs
o Small businesses with fewer than 100 workers eligible
• Private insurance plans will compete
o Improved competition will increase employer choice
o Exchange will negotiate with insurers on behalf of small
businesses to ensure higher quality and lower costs
• RAND Study
o Exchanges will expand coverage to 85.9% of small
business employees, up from 60.4% today, an increase of
10.5 million workers
34. State Health Insurance Exchange
• One-stop shop web portal o Compare plans and get
detailed information
about price, quality and
Small Business Exchange service
INSURANCE PLANS o Plans organized by
category: bronze, silver,
EXCHANGE gold, platinum
Choice
Comparison o Calculator to compare
Billing
Tax Credits costs across plan
options
SMALL BUSINESSES
o Streamlined billing
process
35. State Insurance Exchange:
Other Benefits
• Many small business workers and self-employed
entrepreneurs will receive affordability tax credits
towards their premiums
o Up to 400% of federal poverty level (approx.
$90,000 for a family of four)
• Ensure that more $$ go to medical care – reduced
administrative costs
• Other incentives for administrative efficiency and
modernization
• Expanded coverage and individual responsibility
requirement – reduce hidden tax
36. State insurance exchange:
Other Benefits
• States determine whether to keep the individual
and small group markets separate or merge them
• Insurance will still be sold outside exchange
• Members of Congress must use the exchange
37. What does this all mean for your
bottom line?
Changes in average employer contribution per person covered
38. Exchange – key issues
• Active vs. passive (can the exchange negotiate?)
• Regional exchanges
• Role of brokers
• Expanding exchange to large firms in 2017
• Incorporation of wellness and prevention programs
• Administrative issues:
billing, payment, web, etc.
• Effective education and outreach
39. Shared responsibility
• Businesses with fewer than 50 workers – 96% of all
businesses – are exempt from any requirement to
offer insurance
40. Accessible
• Insurance plans must have a range of costs to ensure
affordability.
• Include provisions to help small businesses and their
employees understand how to enroll, compare plans, and
obtain personal assistance, as through a toll free hotline.
• Is easy for small businesses, employees and providers to
use and reduces paperwork
41. Quality
• Must be a choice of several plans with different benefit
levels.
• Small business must be represented on the Illinois
Marketplace Governing Board, along with a diverse mix of
expertise related to health care.
• The Governing Board must be independent
• Ensure ethnic, racial and cultural diversity in the
membership Governing Board.
42. Contains Costs
• Must have the same rules for plans inside and outside of the
competitive marketplace to ensure that risk sharing is fair for
all.
• Governing Board and all procedures must be created to
protect against Conflicts of Interest
• Transparency and consumer interests are fully integrated
into the insurance marketplace, such as with a Small
Business and Consumer Advisory Committee to the
Governing Board.
43. Questions and More Information
Joyce Harant 309-648-3035 JHarant@cbhconline.org
Small Business Web page:
http://www.cbhconline.org/infocenter/small-business/
Your Guide to Health Reform:
http://www.cbhconline.org/infocenter/your-guide-to-health-care-reform/
Illinois Legislation:
Amendment to SB 1313, Illinois Health Benefits Exchange Law:
http://www.cbhconline.org/infocenter/small-business/sb1313/
Competitive Market Place- Senate Bill 1729 :
http://www.cbhconline.org/action/advocacy-day/
Insurance Rate Review- House Bill 1501:
http://www.cbhconline.org/infocenter/rate-review/
44. Resources
• National HHS website: www.healthcare.gov
• Our website: www.smallbusinessmajority.org
o “What’s in Healthcare
Reform for Small
Businesses”
o Detailed FAQ
o Tax credit calculator
45. Join Our Network
Contact
• Erica Dowell, Network Coordinator
• Email: edowell@smallbusinessmajority.org
• Direct: (202) 535-3244
Ways to Get Involved:
Connect with us! • Receive a monthly newsletter
@SmlBizMajority • Share your story for media requests
• Letters to the editor/Op-eds
Small Business Majority • State events/Roundtables
• Fly-ins
• Webinars for business organizations