Tag : Grow

Formal Corporate Event Invitations – Plantable Gala Invitations on Seeded Paper from

#business invitations

#

Unique Business Event Invitations & Seeded Paper Gala Invitations

Formal Gala Invitations | Unique Business Invitations

Planning formal events for your business or charity requires a lot of effort and hard work. If you put in the energy and make sure that the invitations you use are going to reflect the event that you’re hosting as well as the image you want for your company, it will surely pay off! Our huge selection of invitations have enough choices and variation that you will be able to express your creativity and the importance of your purpose. With everything from snowflakes to scroll work you will find an invitation that will be absolutely perfect for you and what you need.

Unique gala invitations from Green Business Print are elegant and sophisticated because that’s exactly what you need. There is a large array of options including different colors, styles and writing. You will be able to customize absolutely everything from the font to the colors so they match exactly what you’re looking for. You’ll also be able to ensure that the wording is perfect for your plans and for the guests that you are inviting. But these great exemplary matches between your event and your invitations are not the only benefits that you’ll receive from Green Business Print unique gala invitations.

Invitations from Green Business Print are 100% recycled and 100% recyclable as well. That means every invitation you purchase for your gala will be made of entirely recycled materials and will not cause any new trees to be cut down. You’ll also have the opportunity to recycle these invitations so they can be used in new products. Even better, you’ll also have the opportunity to plant these invitations so that they grow into beautiful flowers and plants. All of your guests who receive an invitation will have the chance to plant them so they grow into something beautiful that will last forever.

Green Business Print has plenty of unique gala invitations that will impress all of your guests and show them exactly what they can expect from your formal event. Whether you’re hosting a charity event or a social one for your business the invitations you choose will be superb and 100% unique. This means that no two invitations will be exactly alike because every single one is hand painted and made from recycled material. Each of your guests will have a unique piece of art that they will be able to turn into something beautiful that gives back to the environment. Perfect for your green initiative within your company, these invitations are a great way to start making a difference.

We were truly impressed by Green Business Print’s team. Our organization ordered a large quantity of invitations, insert and rsvp cards for our annual events and the company delivered within 2 weeks as promised. The invites are beautiful and have received quite a reply rate. Can’t recommend these invites enough.
-Cintia, Los Angeles, CA

How can we help?



21 Best Blogs That Will Help Grow Your Business #business #startup #loan


#business blogs

#

Every January I go through my inbox and take a good hard look at the amount of email I get. Then I let the purging begin! As the CMO of our business dashboards startup Dasheroo I’m laser-focused on what’s new, what’s hot and what’s not, so I’m diving in on the bits and bytes for information on growing our business.

This month I started to take a look at the really great content I get on all things marketing and thought I’d share the ones that won’t be getting hit with an unsubscribe.

Most of the bloggers I mention have written numerous books, way too many to list so I just focused on the blogs. Even though I’ve sort of categorized them, almost all of them really cross over all marketing channels.

Marketing. In General

Duct Tape Marketing – John Jantsch is the king at all things digital marketing. He focuses on great tools that small businesses need to know about, customer service, marketing messaging, referral marketing and the list goes on! We love his weekend favs.

– Mark Schaefer is an author, speaker and educator who has one of the top five marketing blogs in the WORLD. His blog focuses on all things marketing and is a must-read.

Relevance –
Chad Pollitt was named a top five content marketing thought leader and top 20 CMO influencer, and he continues to innovate by leading the emerging industry of online content promotion and distribution. He’s amassed a host of great writers that deliver everything you need from digital marketing to diving into social media.

Chris Brogan – Chris is the CEO of Owner Media Group, his posts are all things marketing, sales and business in a fun, interesting, captivating way. In general they just are super fun to read. I always get something from his posts!

Likeable Local – We love Dave Kerpen’s marketing blog. He publishes interesting articles on brand management, podcasts, videos, social media especially for growing local businesses.

All Things Social

Social Media Examiner – Michael Stelzner and team have by far one of the best places to go for which tools to use for specific social networks, in-depth how-to guides for just about everything social media and it is all written by the experts. They also publish an awesome and extremely useful annual report on businesses using social media.

Social Media Today – The world lost Robin Carey, the fearless leader and founder of Social Media Today in late 2015. She started SMT in 2007 when no one was looking at using social media, let alone for business. That publication is awesome, they get great contributors that are thought leaders in all things social media.

Social Media Delivered – Eve Mayer is known as the “LinkedIn Queen” and she is the CEO of Social Media Delivered. Her awesome blog offers you a bit of everything social media marketing related.

Razor Social – Ian Cleary is THE expert on all tools related to marketing. His blog is a must read to find out the real deal on the thousands of tools available today and he breaks down what you need and why.

Content Marketing

Convince and Convert – Jay Baer’s blog covering all things content marketing is just awesome. From SEO, email marketing, social media to tactics for converting traffic, Jay covers it all.

Boom! Social – Kim Garst is a leading authority on digital marketing and specifically, social selling over the past five years. She focuses her posts on all things Twitter, Facebook and now Periscope.

Feldman Creative – Barry Feldman is just awesome at content marketing and SEO and he’s a true genius when it comes to creative headlines and messaging the grabs attention. He also has a must-see podcast called Content Matters .

SEO

Orbit Media Studios – Andy Crestodina is a true expert on web design, content marketing and SEO. At Dasheroo we love when he writes about using analytics to improve your rankings !

Neil Patel – Follow this guy on his journey to 100,000 monthly visitors using SEO. His blog is a clever timeline of all of the actions he’s taking on his site to rank, get visitors and convert them. You’ll learn a lot.

Google Adwords

Wordstream – If you’re doing anything Adwords related, this is the place to go. Larry Kim is a genius at making the most of a PPC campaign. Most articles are about digital marketing with a slant on SEO and PPC.

Instagram

Sue B. Zimmerman – She’s passionate about teaching entrepreneurs and marketing professionals how to easily leverage the power of Instagram to get tangible business results. Plus she’s a bunch of fun to listen to!

Jenn’s Trends – Jenn Herman’s blog is just awesome for finding out what’s new on Instagram, offering amazing case studies for businesses using Instagram and the to-do’s and the don’t do’s when using this social network.

LinkedIn

Linked Into Business – Whether is what’s new with LinkedIn or how to use it for your business Viveka Von Rosen knows her stuff. She is known as the “LinkedIn Expert ” and speaks to executives, business owners, and entrepreneurs about the benefits of marketing with social media, and in particular LinkedIn.

Facebook

Jon Loomer – This blog can’t be beat for learning advanced Facebook Ads techniques. Jon has done social internally for the NBA and the American Cancer Society. He writes killer in-depth how-to’s for creating, managing and measuring Facebook Ads.

Andrea Vahl Blog – Having worked at Social Media Examiner Andrea is an amazing social media strategist. Her blog digs deep into how businesses can make the most of Facebook.

Mari Smith – Often referred to as “the Queen of Facebook”, Mari Smith is hailed as the premier Facebook marketing expert and one of the most influential and knowledgeable new media thought leaders in the world. Check out her blog.

Ok, there’s your blog reading list for marketing in 2016. Go get ’em!



Money To Start Or Grow A Business #free #business #plan


#small business grants

#

Money To Start Or Grow A Business

Topics

Money To Start Or Grow A Business

Q1. Where Are The General Places To Acquire Money For A Small Businesses?

Although the reason many people start a business is to gain economic independence, most new business owners put little effort into financial planning. They have the mistaken belief that it will not be difficult to raise additional money if their business is doing well and making a profit, or if their idea is a sound one. Whatever reason you have for getting into business, you will not stay in business long unless you make a profit or have an independent source of financing. Keep in mind, almost any new business will likely require more available money than was originally thought necessary. Most businesses soak up money in ways that were never dreamed of, and if you know and expect this from the beginning, you will be better off in the long run.

There are several ways to finance a business. Nearly 75% of small business owners obtain funds through FFA – Friends, Family and Assets. The remaining percentage utilize local lending options, which involve applying for loans. Whatever your financial situation, it is important to do your research thoroughly in order to take full advantage of the choices available. All businesses have risks and opportunities blended together, so wherever you go to find financing, present a good plan that demonstrates your, and the company’s, ability to reduce risk and profit from the opportunities.

Our discussion of money as it relates to the small business person focuses on the basics of borrowing, including the importance of the credit report and other items that must be considered when applying for a loan. We also address different financing sources including both loans and grants. This area wraps up with a brief look at the importance of a thorough business plan when applying for a loan. The business plan itself is looked at in its entirety in a separate section.

Q2. What Are The Options For Borrowing Money?

It is often said that small business owners have a difficult time borrowing money. This is not necessarily true. Banks make money by lending money. However, the inexperience of many small business owners in financial matters often prompts banks to deny loan requests. Requesting a loan when you are not properly prepared sends a signal to your lender. That message is: High Risk! To be successful in obtaining a loan, you must be prepared and organized. You must know exactly how much money you need, why you need it, and how you will pay it back. You must be able to convince your lender that you are a good credit risk.

The financial 4 CsC redit rating, C apacity to repay, C apital and C ollateral – listed below, include the criteria lenders will weigh heavily when considering you for a loan. Paying attention to these areas and ensuring they are in good shape will save you many headaches throughout the financing process.

LINK Indiana

Workshops and Events

Business FAQs

Interested in Partnering with the ISBDC? Find out more



Money To Start Or Grow A Business #car #wash #business


#small business grants

#

Money To Start Or Grow A Business

Topics

Money To Start Or Grow A Business

Q1. Where Are The General Places To Acquire Money For A Small Businesses?

Although the reason many people start a business is to gain economic independence, most new business owners put little effort into financial planning. They have the mistaken belief that it will not be difficult to raise additional money if their business is doing well and making a profit, or if their idea is a sound one. Whatever reason you have for getting into business, you will not stay in business long unless you make a profit or have an independent source of financing. Keep in mind, almost any new business will likely require more available money than was originally thought necessary. Most businesses soak up money in ways that were never dreamed of, and if you know and expect this from the beginning, you will be better off in the long run.

There are several ways to finance a business. Nearly 75% of small business owners obtain funds through FFA – Friends, Family and Assets. The remaining percentage utilize local lending options, which involve applying for loans. Whatever your financial situation, it is important to do your research thoroughly in order to take full advantage of the choices available. All businesses have risks and opportunities blended together, so wherever you go to find financing, present a good plan that demonstrates your, and the company’s, ability to reduce risk and profit from the opportunities.

Our discussion of money as it relates to the small business person focuses on the basics of borrowing, including the importance of the credit report and other items that must be considered when applying for a loan. We also address different financing sources including both loans and grants. This area wraps up with a brief look at the importance of a thorough business plan when applying for a loan. The business plan itself is looked at in its entirety in a separate section.

Q2. What Are The Options For Borrowing Money?

It is often said that small business owners have a difficult time borrowing money. This is not necessarily true. Banks make money by lending money. However, the inexperience of many small business owners in financial matters often prompts banks to deny loan requests. Requesting a loan when you are not properly prepared sends a signal to your lender. That message is: High Risk! To be successful in obtaining a loan, you must be prepared and organized. You must know exactly how much money you need, why you need it, and how you will pay it back. You must be able to convince your lender that you are a good credit risk.

The financial 4 CsC redit rating, C apacity to repay, C apital and C ollateral – listed below, include the criteria lenders will weigh heavily when considering you for a loan. Paying attention to these areas and ensuring they are in good shape will save you many headaches throughout the financing process.

LINK Indiana

Workshops and Events

Business FAQs

Interested in Partnering with the ISBDC? Find out more



The top lenders to grow your business #business #mailing #lists


#best business loans

#

Need cash. Try these top Main Street lenders

Despite heightened enthusiasm for small-business lending in the banking sector, it’s not easy for mom-and-pop firms to get a U.S. Small Business Administration–backed loan. And it’s not just because small-business loans require a lot of paperwork. Banks tend to favor larger deals, which are more profitable for them. So if you’re a small-business owner hunting for a lender, it helps to know which banks aren’t just talking the talk but are walking the walk when it comes to making small-business loans.

There are some surprises. While big banks still top the list when it comes to issuing greatest dollar volume of loans backed by the SBA and in the sheer number of loans made, some smaller banks are aggressively going after Main Street entrepreneurs.

Courtney Keating | E+ | Getty Images

Of the top lenders signing SBA-backed loans of $150,000 and under are Wall Street banks JPMorgan Chase (No. 1 on the list) and Wells Fargo. as well as some smaller players, including Celtic Bank and Zions First National Bank, according to SBA data for the 12-month period ended Jan. 31, 2014.

Larger banks still dominate when it comes to making loans of $1 million and under (which also include those loans under $150,000), but some smaller banks are gaining ground in that category, too. Take, for instance, this list’s No. 14: Ridgestone Bank, a subsidiary of Ridgestone Financial Services, which received money through the recession-era TARP program.

Big banks can be particularly stringent in lending to small business. Biz2Credit, a matchmaker between borrowers and lenders based in New York City, found in its January 2014 index that big banks using its platform approved 17.8 percent of small-business loans compared to small banks, which approved 50.9 percent.

SBA 7(a) Loan Program Top Lenders 2013 ($150K and under)

Source: Small Business Administration

In fact, the data shows that it’s only the larger-dollar-value small-business loans that grew in the recent 12-month period. In the SBA 7(a) loan program, used for working capital, the number of deals for $150,000 or less declined from 25,485 in fiscal 2012 to 24,923 in fiscal 2013, and loan volume stayed relatively flat at $1.4 billion.

The number of SBA 7(a) loans of $1 million or less rose in that same time period, from 40,496 to 41,694, with volume increasing from $7.6 billion to $8.5 billion.

This trend has created an opening for scrappy smaller players, including Salt Lake City, Utah–based Celtic Bank, which is lending across the country.

“We definitely have stepped up our lending,” said Craig Calafati, executive vice president of business development at Celtic Bank. “We made a very strong commitment to the underserved small-business community, particularly in making loans under $150,000.”

To keep the loans flowing, Celtic Bank has built an online application into its website.

SBA loan approval overview

Source: Small Business Administration (The 7(a) program is general small business loans; 504 loans are for fixed asset purchases, including real estate and equipment)

Small banks have a big financial incentive to go after SBA loans.

They profit from selling the loans they originate on the secondary market, where the deals are bundled and snapped up by institutional investors, such as pension funds, hedge funds, and private investors looking for safe deals.

“Banks make a very good premium of 12 percent to 16 percent,” said Rohit Arora, CEO of Biz2Credit. “That’s a big motivation for small banks to do these loans.”

His prediction: “In the next six months, you will see more small banks coming into this space.”

A pool party
The SBA’s guarantee for the loans—which currently can be as high as 85 percent, depending on loan size—makes the deals attractive to institutional investors seeking low-risk opportunities. That, in turn, keeps money flowing into the banks.

“It gives them the ability to make loans, retain liquidity and limit some of their risk exposure to the loans,” said Craig Cline, managing director and head trader on the government-guaranteed loan desk at Coastal Securities, a financial services firm in Houston that is active in the trading, securitization and analysis of SBA loans and pools.

SBA 7(a) Loan Program Top Lenders 2013 ($1M and under)

Source: Small Business Administration

Some small banks are also selling their loans to big banks, said Brendan Ross, president and portfolio manager at Direct Lending Investments, a private investment firm in Los Angeles that owns notes on loans made by alternative lenders.

“The [small] banks can’t afford to warehouse them,” said Ross. “They are like glorified brokers.”

“It does allow us to recycle those dollars back out,” said Eric Petersen, executive vice president of corporate development at Celtic Bank. “It allows an institution like ours to make a lot more loans than we would be able to.”

Celtic Bank sells most of the loans it originates on the secondary market but remains the primary contact for servicing them, Calafati said.

Party like it’s 2009?
How long small banks will have an appetite for SBA lending likely depends on the health of the secondary market, which stalled in 2009. “There were problems during the recession in the secondary market, but it has come back,” said Bob Coleman, editor of the “Coleman Report,” a trade newsletter for small-business bankers. “It is a very profitable lending product for some of these smaller lenders. If they do it right, they can make some money in it.”

Banks aren’t the only place to get SBA loans. They are also available through nonbank lenders and credit unions.

Nicole Zinn, owner of Rocket Electrics, an electric-bike shop in Austin, Texas, won an SBA-backed loan for $180,000 from Austin-based Amplify Federal Credit Union after working with an advisor at the Texas State Small Business Development Center to revise the shop’s business plan and put the loan application package together.

Zinn founded the business in 2011 after losing her job in high-tech marketing during a corporate restructuring; it became profitable four months after it opened. “I didn’t want to go back to a cubicle,” she said.

Zinn applied for a loan to expand her inventory in July 2013, then saw her application stall during the federal government shutdown in October 2013. Finally, in November 2013, after the government reopened, Zinn won the loan, which she was more than ready to put to use in expanding the business.

“When the loan process takes so long, your need grows,” she said.

By Elaine Pofeldt, Special to CNBC.com

(For more on the banks leading in lending under the SBA’s 504 program—loans for fixed assets, including real estate and equipment—consult the charts on the following page.)

SBA 504 program top lenders 2013 ($150K and under)



21 Best Blogs That Will Help Grow Your Business #business #plan #outline


#business blogs

#

Every January I go through my inbox and take a good hard look at the amount of email I get. Then I let the purging begin! As the CMO of our business dashboards startup Dasheroo I’m laser-focused on what’s new, what’s hot and what’s not, so I’m diving in on the bits and bytes for information on growing our business.

This month I started to take a look at the really great content I get on all things marketing and thought I’d share the ones that won’t be getting hit with an unsubscribe.

Most of the bloggers I mention have written numerous books, way too many to list so I just focused on the blogs. Even though I’ve sort of categorized them, almost all of them really cross over all marketing channels.

Marketing. In General

Duct Tape Marketing – John Jantsch is the king at all things digital marketing. He focuses on great tools that small businesses need to know about, customer service, marketing messaging, referral marketing and the list goes on! We love his weekend favs.

– Mark Schaefer is an author, speaker and educator who has one of the top five marketing blogs in the WORLD. His blog focuses on all things marketing and is a must-read.

Relevance –
Chad Pollitt was named a top five content marketing thought leader and top 20 CMO influencer, and he continues to innovate by leading the emerging industry of online content promotion and distribution. He’s amassed a host of great writers that deliver everything you need from digital marketing to diving into social media.

Chris Brogan – Chris is the CEO of Owner Media Group, his posts are all things marketing, sales and business in a fun, interesting, captivating way. In general they just are super fun to read. I always get something from his posts!

Likeable Local – We love Dave Kerpen’s marketing blog. He publishes interesting articles on brand management, podcasts, videos, social media especially for growing local businesses.

All Things Social

Social Media Examiner – Michael Stelzner and team have by far one of the best places to go for which tools to use for specific social networks, in-depth how-to guides for just about everything social media and it is all written by the experts. They also publish an awesome and extremely useful annual report on businesses using social media.

Social Media Today – The world lost Robin Carey, the fearless leader and founder of Social Media Today in late 2015. She started SMT in 2007 when no one was looking at using social media, let alone for business. That publication is awesome, they get great contributors that are thought leaders in all things social media.

Social Media Delivered – Eve Mayer is known as the “LinkedIn Queen” and she is the CEO of Social Media Delivered. Her awesome blog offers you a bit of everything social media marketing related.

Razor Social – Ian Cleary is THE expert on all tools related to marketing. His blog is a must read to find out the real deal on the thousands of tools available today and he breaks down what you need and why.

Content Marketing

Convince and Convert – Jay Baer’s blog covering all things content marketing is just awesome. From SEO, email marketing, social media to tactics for converting traffic, Jay covers it all.

Boom! Social – Kim Garst is a leading authority on digital marketing and specifically, social selling over the past five years. She focuses her posts on all things Twitter, Facebook and now Periscope.

Feldman Creative – Barry Feldman is just awesome at content marketing and SEO and he’s a true genius when it comes to creative headlines and messaging the grabs attention. He also has a must-see podcast called Content Matters .

SEO

Orbit Media Studios – Andy Crestodina is a true expert on web design, content marketing and SEO. At Dasheroo we love when he writes about using analytics to improve your rankings !

Neil Patel – Follow this guy on his journey to 100,000 monthly visitors using SEO. His blog is a clever timeline of all of the actions he’s taking on his site to rank, get visitors and convert them. You’ll learn a lot.

Google Adwords

Wordstream – If you’re doing anything Adwords related, this is the place to go. Larry Kim is a genius at making the most of a PPC campaign. Most articles are about digital marketing with a slant on SEO and PPC.

Instagram

Sue B. Zimmerman – She’s passionate about teaching entrepreneurs and marketing professionals how to easily leverage the power of Instagram to get tangible business results. Plus she’s a bunch of fun to listen to!

Jenn’s Trends – Jenn Herman’s blog is just awesome for finding out what’s new on Instagram, offering amazing case studies for businesses using Instagram and the to-do’s and the don’t do’s when using this social network.

LinkedIn

Linked Into Business – Whether is what’s new with LinkedIn or how to use it for your business Viveka Von Rosen knows her stuff. She is known as the “LinkedIn Expert ” and speaks to executives, business owners, and entrepreneurs about the benefits of marketing with social media, and in particular LinkedIn.

Facebook

Jon Loomer – This blog can’t be beat for learning advanced Facebook Ads techniques. Jon has done social internally for the NBA and the American Cancer Society. He writes killer in-depth how-to’s for creating, managing and measuring Facebook Ads.

Andrea Vahl Blog – Having worked at Social Media Examiner Andrea is an amazing social media strategist. Her blog digs deep into how businesses can make the most of Facebook.

Mari Smith – Often referred to as “the Queen of Facebook”, Mari Smith is hailed as the premier Facebook marketing expert and one of the most influential and knowledgeable new media thought leaders in the world. Check out her blog.

Ok, there’s your blog reading list for marketing in 2016. Go get ’em!



Formal Corporate Event Invitations – Plantable Gala Invitations on Seeded Paper from

#business invitations

#

Unique Business Event Invitations & Seeded Paper Gala Invitations

Formal Gala Invitations | Unique Business Invitations

Planning formal events for your business or charity requires a lot of effort and hard work. If you put in the energy and make sure that the invitations you use are going to reflect the event that you’re hosting as well as the image you want for your company, it will surely pay off! Our huge selection of invitations have enough choices and variation that you will be able to express your creativity and the importance of your purpose. With everything from snowflakes to scroll work you will find an invitation that will be absolutely perfect for you and what you need.

Unique gala invitations from Green Business Print are elegant and sophisticated because that’s exactly what you need. There is a large array of options including different colors, styles and writing. You will be able to customize absolutely everything from the font to the colors so they match exactly what you’re looking for. You’ll also be able to ensure that the wording is perfect for your plans and for the guests that you are inviting. But these great exemplary matches between your event and your invitations are not the only benefits that you’ll receive from Green Business Print unique gala invitations.

Invitations from Green Business Print are 100% recycled and 100% recyclable as well. That means every invitation you purchase for your gala will be made of entirely recycled materials and will not cause any new trees to be cut down. You’ll also have the opportunity to recycle these invitations so they can be used in new products. Even better, you’ll also have the opportunity to plant these invitations so that they grow into beautiful flowers and plants. All of your guests who receive an invitation will have the chance to plant them so they grow into something beautiful that will last forever.

Green Business Print has plenty of unique gala invitations that will impress all of your guests and show them exactly what they can expect from your formal event. Whether you’re hosting a charity event or a social one for your business the invitations you choose will be superb and 100% unique. This means that no two invitations will be exactly alike because every single one is hand painted and made from recycled material. Each of your guests will have a unique piece of art that they will be able to turn into something beautiful that gives back to the environment. Perfect for your green initiative within your company, these invitations are a great way to start making a difference.

We were truly impressed by Green Business Print’s team. Our organization ordered a large quantity of invitations, insert and rsvp cards for our annual events and the company delivered within 2 weeks as promised. The invites are beautiful and have received quite a reply rate. Can’t recommend these invites enough.
-Cintia, Los Angeles, CA

How can we help?



Money To Start Or Grow A Business #business #licence


#small business grants

#

Money To Start Or Grow A Business

Topics

Money To Start Or Grow A Business

Q1. Where Are The General Places To Acquire Money For A Small Businesses?

Although the reason many people start a business is to gain economic independence, most new business owners put little effort into financial planning. They have the mistaken belief that it will not be difficult to raise additional money if their business is doing well and making a profit, or if their idea is a sound one. Whatever reason you have for getting into business, you will not stay in business long unless you make a profit or have an independent source of financing. Keep in mind, almost any new business will likely require more available money than was originally thought necessary. Most businesses soak up money in ways that were never dreamed of, and if you know and expect this from the beginning, you will be better off in the long run.

There are several ways to finance a business. Nearly 75% of small business owners obtain funds through FFA – Friends, Family and Assets. The remaining percentage utilize local lending options, which involve applying for loans. Whatever your financial situation, it is important to do your research thoroughly in order to take full advantage of the choices available. All businesses have risks and opportunities blended together, so wherever you go to find financing, present a good plan that demonstrates your, and the company’s, ability to reduce risk and profit from the opportunities.

Our discussion of money as it relates to the small business person focuses on the basics of borrowing, including the importance of the credit report and other items that must be considered when applying for a loan. We also address different financing sources including both loans and grants. This area wraps up with a brief look at the importance of a thorough business plan when applying for a loan. The business plan itself is looked at in its entirety in a separate section.

Q2. What Are The Options For Borrowing Money?

It is often said that small business owners have a difficult time borrowing money. This is not necessarily true. Banks make money by lending money. However, the inexperience of many small business owners in financial matters often prompts banks to deny loan requests. Requesting a loan when you are not properly prepared sends a signal to your lender. That message is: High Risk! To be successful in obtaining a loan, you must be prepared and organized. You must know exactly how much money you need, why you need it, and how you will pay it back. You must be able to convince your lender that you are a good credit risk.

The financial 4 CsC redit rating, C apacity to repay, C apital and C ollateral – listed below, include the criteria lenders will weigh heavily when considering you for a loan. Paying attention to these areas and ensuring they are in good shape will save you many headaches throughout the financing process.

LINK Indiana

Workshops and Events

Business FAQs

Interested in Partnering with the ISBDC? Find out more



Arizona Drugged Driving – Working to Reform Marijuana Laws #marijuana, #cannabis, #pot,

#

In Arizona, it is unlawful for a person to drive a vehicle (1) while under the influence of any drug, or any combination of liquor and/or drugs if the person is impaired to the slightest degree, OR (2) while there is any drug or its metabolite in the person’s body. Ariz. Rev. Stat. Ann. §§ 28-1381(A)(1), (3) (West 2010). However, a registered qualifying medical use patient shall not be considered to be under the influence solely for having marijuana metabolites in his or her system.

(1) Driving under the influence of any drug

Affirmative Defense

The fact that the person is or has been entitled to use a drug in this state is not a defense to this first type of DUI. Id. § 28-1381(B).

(2) Driving while there is any drug or metabolite in the person’s body (per se law)

NOTE: Actual impairment is not an element of this offense. Cannabis metabolites can be detected in a person’s body up to one month after use, thus it is possible to be convicted of this type of DUI weeks after a person last ingested cannabis.

Affirmative Defense

A person using a drug, as prescribed by a medical practitioner is not guilty of this second type of DUI. Id. § 28-1381(D).

NOTE: A recommendation to use marijuana from a medical practitioner is not a prescription.

Implied Consent

  • By operating a vehicle in Arizona a person gives consent to a test of the persons blood, breath, urine, or other bodily substance for the purpose of determining alcohol or drug content. Id. § 28-1321(A).
  • If a person under arrest refuses to submit to the test the test shall not be given. Id. § 28-1321 (D)(1).
  • If the person refuses, their driver’s license may be suspended or denied for 12 months. Id. § 28-1321(B).
  • A person has a right to consult with an attorney before submitting to a chemical test, or as soon as possible after being taken into custody. State v. Holland. 711 P.2d 602, 603(1985).
  • The state is not required to provide free blood test to accused, but state may not unreasonably interfere with reasonable attempts to for defendant to obtain blood or other scientific test for purpose of attempting to establish evidence of his sobriety w/i the crucial window for testing. Ariz. Rev. Stat. Ann. § 22-424 (West 2010).
  • Evidence of refusal is admissible in any legal action or proceeding. Id. § 28-1387(D).

Penalties

  • First offense – jail for 10 to 180 days; alcohol and/or drug treatment; fine of approximately $1,800 (plus jail costs); license suspension for 90 days; probation for up to five years; community service; offender may be ordered to attend one or more sessions of the Mothers Against Drunk Driving Victims Impact Panel; ignition interlock device required for 12 months. Id. §§ 28-1381 (I)-(J).
  • Second offense – jail for of 90 to 180 days; approximately $3,500 in fines and costs; license revoked for one year; substance abuse evaluation; probation for up to five years; minimum of 30 hours of community service; offender may be ordered to attend one or more sessions of the Mothers Against Drunk Driving Victims Impact Panel. Id. §§ 28-1381(K)-(N).
  • Third offense (w/i 7 years, or with suspended license) Class Four Aggravated Felony – minimum of 4 months in prison; the State may seize vehicle; up to $150,000 in fines (+80% surcharge); license revocation for three years; probation for up to five years. Id. §§ 28-1383 (J)-(K).

Other Penalties Penalty Enhancers

  • DUI w/ a child under 15 years old in vehicle Class 6 Felony/Aggravated DUI — up to $150,000 in fines (plus surcharge); license revocation for three years; probation for up to five years. Id. § 28-1381(A)(3); Id. §§ 28-1383 (J)-(K).
  • DUI violation while driving privileges suspended Class 6 Felony/Aggravated DUI — up to $150,000 in fines (plus surcharge); license revocation for three years; probation for up to five years. Id. § 28-1381(A)(1); Id. §§ 28-1383 (J)-(K).

Sobriety Checkpoints

Arizona’s interpretation of the federal Constitution allows law enforcement officials to conduct sobriety checkpoints.

  • Roadblocks screening for drunk drivers are condoned in light of immense public concern regarding drunk driving, so long as there is minimal intrusion into drivers’ liberty. State v. Superior Court. 143 Ariz. 45, 691 P.2d 1073)(1984).

Case Law

Wozniak v. Galati. 30 P.3d 131 (2001) – Found that a metabolite present in defendants system could reasonably allow a jury to conclude that defendant was driving while under the influence of drug or its metabolite.

State v. Gaffney. 8 P.3d 376 (2000) – Implied consent statutory warnings were unnecessary when defendant gave express consent to a test of blood, breath, or urine.

State v. Hammonds. 192 Ariz. 528 (App. Div.1 1998) — Statute proscribing driving with a drug metabolite in one’s body is rationally related to legitimate state purpose and does not violate equal protection clause. Even though scientific evidence showed conclusively that the mere presence of a metabolite does not necessarily represent impairment, contrary expert testimony successfully showed that the presence of inert metabolites does not rule out impairment.

State v. Love. 897 P.2d 626, 629 (1995) — Factors to be considered when determining whether defendant “operated” motor vehicle: whether the vehicle was running or the ignition was on; where the key was located; where and in what position the driver was found in the vehicle; whether the person was awake or asleep; if the vehicle’s headlights were on; where the vehicle was stopped (in the road or legally parked); whether the driver had voluntarily pulled off the road; time of day and weather conditions; if the heater or air conditioner was on; whether the windows were up or down; and any explanation of the circumstances advanced by the defense.

Per Se Drugged Driving Laws

Arizona has a zero tolerance per se drugged driving law enacted for cannabis, cannabis metabolites, and other controlled substances. (Arizona Revised Statutes, Section 28-1381)

Arizona’s law calls for mandatory imprisonment of 24 hours and not more than six months upon conviction for a first offense.



What SBA Offers to Help Small Businesses Grow #women #business #grants


#small business help

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What does SBA offer to small business owners? The programs are many and varied, and the qualifications for each are specific. SBA can help facilitate a loan for you with a third party lender, guarantee a bond, or help you find venture capital. Understanding how SBA works is the first step towards receiving assistance.

SBA’s Role

SBA provides a number of financial assistance programs for small businesses that have been specifically designed to meet key financing needs, including debt financing, surety bonds, and equity financing.

Guaranteed Loan Programs (Debt Financing)

SBA does not make direct loans to small businesses. Rather, SBA sets the guidelines for loans, which are then made by its partners (lenders, community development organizations, and microlending institutions). The SBA guarantees that these loans will be repaid, thus eliminating some of the risk to the lending partners. So when a business applies for an SBA loan, it is actually applying for a commercial loan, structured according to SBA requirements with an SBA guaranty. SBA-guaranteed loans may not be made to a small business if the borrower has access to other financing on reasonable terms.

SBA loan guaranty requirements and practices can change as the Government alters its fiscal policy and priorities to meet current economic conditions. Therefore, you can’t rely on past policy when seeking assistance in today’s market.

Bonding Program (Surety Bonds)

SBA’s Surety Bond Guarantee (SBG) Program helps small business contractors who cannot obtain surety bonds through regular commercial channels.

A surety bond is a three-party instrument between a surety (someone who agrees to be responsible for the debt or obligation of another), a contractor and a project owner. The agreement binds the contractor to comply with the terms and conditions of a contract. If the contractor is unable to successfully perform the contract, the surety assumes the contractor’s responsibilities and ensures that the project is completed.

Through the SBG Program, the SBA makes an agreement with a surety guaranteeing that SBA will assume a percentage of loss in the event the contractor should breach the terms of the contract. The SBA’s guarantee gives sureties an incentive to provide bonding for eligible contractors, thereby strengthening a contractor’s ability to obtain bonding and greater access to contracting opportunities for small businesses.

SBA can guarantee bonds for contracts up to $5 million, covering bid, performance and payment bonds, and in some cases up to $10 million for certain contracts.

Venture Capital Program

SBA’s Small Business Investment Company (SBIC) Program is a public-private investment partnership created to help fill the gap between the availability of growth capital and the needs of small businesses. The SBA does not invest directly in small businesses, relying instead on the expertise of qualified private investment funds. The SBA licenses these funds as SBICs and supplements the capital they raise from private investors with access to low-cost, government-guaranteed debt.

With these two sources of capital backing them, SBICs search across the United States for promising businesses in need of debt or equity financing. SBICs are similar to other investment funds in terms of how they operate and their pursuit of high returns. However, unlike other funds, SBICs limit their investments to qualified small business concerns as defined by SBA regulations.