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How to Obtain the Right Financing for Your Business

How to Obtain the Right Financing for Your Business. How Much Money Will You Need?. Estimating Financial Needs Principles Fixed assets Working capital Cash budgets. Equity Financing. Definition Stock Common Preferred Why use it?. Types of Equity Securities. Common stock

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How to Obtain the Right Financing for Your Business

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  1. How to Obtain the Right Financing for Your Business

  2. How Much Money Will You Need? • Estimating Financial Needs • Principles • Fixed assets • Working capital • Cash budgets

  3. Equity Financing • Definition • Stock • Common • Preferred • Why use it?

  4. Types of Equity Securities • Common stock • Preferred stock • Small Company Offering Registration

  5. Sources of Equity Financing • Self • Small Business Investment Companies • Venture Capitalists • Angel Capitalists

  6. Sources of Equity Financing • Other Sources • Business incubators • Employee Stock Ownership Plans • Customers • Bartering • Tax Rules

  7. Debt Financing • Definition • Loans • Leases • Why use it?

  8. Types of Debt Securities • Length • Short-term • Intermediate term • Long-term • Bonds • Mortgage loan • Chattel mortgage loan • Asset-based financing

  9. Sources of Debt Financing • Trade Credit • Consignment selling • Commercial Banks • Line of credit • Higher interest rates? • Credit cards • Insurance Companies

  10. Sources of Debt Financing • Small Business Administration • SSBICS • Guarantee Loans • Qualifications • Requirements • Specialized programs • Government contracts • SBA Low Documentation Loan Program • CAPLine Revolving Line of Credit • Women’s Prequalification Loan Program

  11. Sources of Debt Financing • Small Business Investment Companies • U.S. Department of Agriculture

  12. What are Lenders Looking for? • Can business operate? • Track record of business • Perception • Income • Stability • Credit report

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