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Access to Capital: Exploring Funding Options for Small Businesses

Discover various funding options for your small business, from traditional lending to alternative sources like crowd funding and venture capital. Learn about debt vs. equity, government programs, and more.

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Access to Capital: Exploring Funding Options for Small Businesses

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  1. Access to CapitalJan PisanczynRegional DirectorNew York State Small Business Development CenterCollege at Brockport

  2. What is out There? Debt vs Equity Equity – Cash/Savings Equity – Collateral/Assets

  3. How much do you need? What will you use it for? How will “they” get it back? Business Plan?

  4. Business Funding Options Traditional Lending Commercial Loans - Commercial Lenders Small Business Admininstration SBA 7a Guarantee SBA Patriot Express SBA 504 SBA Disaster Loan

  5. NYBDC Savings Banks/Credit Unions Personal Lines of Credit Home Equity (HELOC)

  6. Alternative Lending Non-Profit/Micro-Lenders ACCESS-VR (formerly VESID) Excelsior Growth Fund Kiva Pathstone

  7. Government Programs/TaxIncentives D.O.T. Transportation Bond Program D.O.T. Transportation Loan Program ESD/NYBDC Disaster Loan Farmer’s Home Administration

  8. Government Programs/Tax Incentives Federal Surety Bonding HUD Community Block Grant Industrial Development Agency (IDA) Industrial Revenue Bonds

  9. Government Programs/Tax Incentives JDA – Direct Loan JDA - Rural Development Loan Local Development Corp. (LDC) NYS Ag & Markets

  10. Government Programs/Tax Incentives NYSERDA SBIR/STTR Science & Technology Foundation State Surety Bonding

  11. Government Programs/Tax Incentives Urban Development Corporation (UDC) UDC Minority Revolving Loan Fund (MLRF) US Dept of Agriculture

  12. OTHER OPTIONS Advances Credit Cards  Crowd Funding/Crowd Investing https://www.crowdfunding.com/

  13. Factoring Leasing Life Insurance Online/Peer to Peer

  14. Private Investors/Angel Networks Retirement Funds Small Business Investment Corp (SBIC) Vendor Financing Venture Capital

  15. Small Business Development Center • The College at Brockport • 350 New Campus Drive – Hartwell 101 • Brockport NY 14420 • 585.395.8410 • E-Mail: SBDC@Brockport.edu • Visit our Web Page: http://www.Brockport.NYSSBDC.orgAs well as LinkedIn and Twitter pages:http://www.linkedin.com/in/SBDCRochester-82979771http://twitter.com/BrockportSBDC

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