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

Access to Capital Jan Pisanczyn Regional Director New York State Small Business Development Center College at Brockport. What is out There ? Debt vs Equity Equity – Cash/Savings Equity – Collateral/Assets. How much do you need ? What will you use it for ?

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

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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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