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Welcome to. “ The Future of America”. Financing. “the act of obtaining or furnishing money or capital for a purchase or enterprise” -dictionary.com. Equity vs. Debt Financing.

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welcome to


“The Future of America”



“the act of obtaining or furnishing money or capital for a purchase or enterprise” -dictionary.com

equity vs debt financing

Equity vs. Debt Financing

Equity: Money raised in exchange for a share of ownership in the business. Equity financing allows a business to obtain funds without incurring debt, or without having to repay a specific amount of money at a particular time”

Debt: borrowing money that must be repaid over a period of time, usually with interest. The lender does not gain an ownership interest in the business, and debt obligations are typically limited to repaying the loan with interest.


loans grants

Loans & Grants

Loans – (typically a debt type of financing)


Tax- Exempt Bonds

Venture Capital – (Equity)


small business loans
Small Business Loans

Sources:-Local commercial bank of lending institutions

-Government-backed Loan

Loan Programs: SBA Loans (small business admin ), Energy efficiency loans, Export assistance loans, Rural business loans, and etc…

small business loans1
Small Business Loans

Typical items for any small business loan application:

  • Loan application form
  • Personal Background
  • Resumes
  • Business plan
  • Personal credit report
  • Business credit report
  • Income tax returns
  • Financial Statements
  • Bank Statements
  • Accounts receivable and accounts payable
  • Collateral
  • Legal Documents
government grants
Government Grants
  • Federal government does not provide grants for starting and expanding a business
  • Grants from the federal government are only available to non-commercial organizations, such as non-profits and educational in areas such as medicine, education, scientific research and technology development.

Legit and best place to

start finding Government Grants


tax exempt bonds
Tax- Exempt Bonds
  • Tax-exempt bonds are debt securities issued by a state or local government development agency on behalf of a private business. Once issued, tax-exempt bonds are soled in the open market or purchased by investors or financial institutions. Interest income earned by the bond purchaser is exempt from state and local taxes, which allows the lender to pass savings to the borrower in the form of lower interest rates.
  • Tax-exempt bonds are similar to conventional loans. Bonds are not grants. Borrowers have to pay back the bond’s principal plus interest to the bond.

I get the bond -> sell in the market to finance my business -> then I pay back the bond’s principal + interest on the bond. Advantage: NO TAX!

seed and venture capital

Seed and Venture Capital

Seed stages: very early, early, growth

Venture Capital: cash investments in exchange for shares in the company

Congress created the Small Business Investment Companies (SBIC)

-Program to help small U.S. companies raise capital.


sba financing

SBA Financing

What is Small Business Administration loan?

Government-guaranteed loans designed to help give small businesses that may not otherwise qualify for credit get the funds they need.

Provide more flexible terms than conventional loan options (allows for longer finance term with different payment options)

Qualifying for an SBA loan is easier

You may be able to borrow up to 100% of your financing needs


sba financing1

SBA Financing

Who it's for

SBA loans are for businesses that are:


For profit

Organized as a sole proprietorship, corporation, or professional partnership

Within the size guidelines designated by the SBA

Unable to secure other credit under reasonable terms


today s activity

Today’s Activity

Weekly Dose:http://www.youtube.com/user/khanacademy#p/c/9ECA8AEB409B3E4F/16/8OCjwBkMJ_E

Business Ideas Discussion

Shark Tank?

some useful sources

Some Useful Sources






next meeting

Next Meeting


We’ll be talking about Marketing