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Financing Your Business. three Essential Secrets to Funding Your Business. It’s a business! Create a business plan that shows how you will pay back the money Leverage with collateral. Know what type of funding you need. Cash Flow Financing Debt Financing Equity Funding

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Presentation Transcript
three essential secrets to funding your business
three Essential Secrets to Funding Your Business

It’s a business!

Create a business plan that shows how you will pay back the money

Leverage with collateral

know what type of funding you need
Know what type of funding you need

Cash Flow Financing

Debt Financing

Equity Funding

Import/Export Loans

Inventory Loans

Mezzanine Financing

Private Placement

Sale/Lease Back Funding

Turn Around Capital

Acquisitions Funding

Bridge Loans

Buy Out Financing

Construction Loans.

Equipment Leasing

First Stage Funding

Initial Public Offerings

Long Term Loans

Permanent Loan

Real Estate Loans

Seed Capital

Start Up Capital

slide4

Commercial Banks

    • Don’t require you turn over equity or company control
    • Need history and collateral
    • Smaller loans available using personal credit history
  • Small Business Administration
    • No direct loans – guarantees 75% of loans
    • Business must show that it cannot obtain conventional financing
  • Nonproft Microlender
    • Easier underwriting criteria
    • High interest rates
    • May be required to do training
slide5

Friends and family

  • Business investors
  • Credit cards
  • Home equity loan/line of credit
  • Factoring
  • Customer or Suppliers
local resources
Local resources

SafeBid Co,Santa Rosa

Opportunity Fund, San Jose.. SF

OBDC, Oakland

SBDC, Concord

Count Me In

Keiretsu – Angel investors

Pacific Community Ventures

client profile
Client PROFILE

100% low-income

83% women of color

25% have limited or no English language proficiency

20% single parents

46% high school equivalency or less

41% of businesses are unbanked

Average business liabilities is $14,706

results
Results

5 years after training, 70% of clients are running their own business

Clients’ personal incomes rise dramatically—from a monthly income of $1,185 prior to $2,079 one year after completion of Women’s Initiative program

Clients increase their average household net worth more than 300% within two years, from $12,968 before training to $53,572 after training.

graduate spotlight
Graduate spotlight

Corinthia Peoples

Corinthia Peoples Designs

Leveraging:

Loan

IDA Matched Savings Program

financing your small business julie abrams ceo women s initiative jabrams@womensinitiative org
Financing Your Small Business

Julie Abrams

CEO

Women’s Initiative

jabrams@womensinitiative.org