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Small Business BC

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How We Help

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Business Education

Business theory is one thing. Applying it is another. We teach practical skills and knowledge you can use in the real world.

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Expert Advice Help

Bouncing ideas off of friends and family can be helpful, but it’s no substitute for talking to a qualified expert.

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Registration Services

We can help you register your business and its name, as well as register for GST/PST and prepare it importing and exporting.

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Resources Tools

Small Business BC offers dozens of free checklists, resources and tools designed to help save you time and money.

Here to Help at Every Step

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Just Starting Out?

You have an idea that could change your industry. Or, at least, your life. At Small Business BC, we can help you make that happen.

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Already Growing?

Have a established, growing business? Our team is here to support you at any stage with affordable education and advice.

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Planning to Exit?

If you’re getting ready to exit your business, we’ll help you access the tools to develop a succession plan or sell your business.

Success Story

Meet James Flawith, Lil Worker Safety Gear

Pitching your business in front of a national audience sounds daunting, but for James Flawith, Founder of Lil Worker Safety Gear, it’s just the latest step in a journey that’s taken him from Comox to living rooms across Canada.

Latest Articles

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How to Keep your Business Safe Online

It’s never been more important to get your small business online. Canadians love shopping on the internet, racking up an impressive $19.2 billion dollar spend in 2016 alone. This burgeoning frontier presents almost limitless potential for growing your bottom line, but it’s not without its drawbacks. Cyber Attacks Thousands [ ]

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Business Resources for Canadian Service Veterans

Each year, on Remembrance Day, we pause to reflect on the men and women who served Canada and put their lives on the line for our freedom. Canada’s military makes up a significant segment of our society. Combined, the Department of National Defence and Canadian Forces are the single largest [ ]



Home, Business Victoria, small business help.#Small #business #help


Site Navigation Menu

Small business help

Small business help

Advancing Victorian Manufacturing is the Victorian Government’s blueprint for growth of manufacturing in Victoria.

Small business help

You can do good and make money at the same time. That’s the message from Bessi Graham of The Difference Incubator.

Small business help

Victorian Government support is available to businesses experiencing significant rises to gas and electricity costs.

Small business help

Small Business Victoria Workshops are low cost, practical and run by experts in their fields year round across metro and regional Victoria.

Small business help

To help get your business moving, the Small Business Bus is now touring Victoria bringing expert advice and assistance to you.

Small business help

Find everything you need to know about grants and assistance programs to start, run and grow your business.

Small business help

ABLIS is a free online tool which helps you find government licences, permits and registrations applicable to your business.

Small Business Victoria Update

Tips, tools, news and events to help you run and grow your business – delivered fortnightly.



Plans, Store, small business plans.#Small #business #plans


WordPress.com

Discover what your website or blog can do with a powerful plan

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Just start creating: get a free site and be on your way to publishing your content in less than five minutes.

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Hundreds of Free Themes

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Best for Personal Use: Boost your website with a custom domain name, and remove all WordPress.com advertising. Get access to high quality email and live chat support.

Custom Domain Name

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Premium

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per month, billed yearly

Best for Entrepreneurs Freelancers: Build a unique website with advanced design tools, CSS editing, lots of space for audio and video, and the ability to monetize your site with ads.

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Best for Small Business: Power your business website with unlimited premium and business theme templates, Google Analytics support, unlimited storage, and the ability to remove WordPress.com branding.

Custom Domain Name

Jetpack Essential Features

Email & Live Chat Support

Advanced Design Customization



Top 15 Ad Campaigns of the 21st Century – Advertising Age, small

AdAge Top 15 Campaigns of the 21st Century

Small business saturday

In 1999, as the 20th century came to a close, the Ad Age staff set out to examine all the ways in which advertising has entertained, moved and motivated us over the years. We decided to rank the 100 best campaigns of the century, in a special issue, to celebrate their creativity and impact.

Small business saturday See the Best of the 20th Century:

Now, Advertising Age is updating this list with 15 of the best ad campaigns of the 21st Century. In the last 15 years, advertising and marketing, and the media it used to get out its messages, has experienced an incredible upheaval as digital media and interactivity changed the dynamics of how consumers see and pay attention brand messages.

Control shifted from marketers and traditional media timing their messages and forcing consumers to see ads as a trade-off for the content they wanted to see to the consumer wielding remote control and computer mouse. Traditional media found itself scrambling to stay relevant as digital media wreaked havoc with the guarantee that consumers were likely to see ad messages. Expensive journalism distributed free online amassed audience but not ad dollars and wiped out a whole generation of magazines and newspapers, while DVRs, podcasts, streaming video services like Netflix and Hulu challenged TV and radio models. Out of this massive shift, marketers and agencies got very innovative in turning these new tools to their advantage.

Several of these winning campaigns are on this list because they led the way in thinking about how to use these new tools effectively and entertainingly. Some of these ad campaigns are here because they changed the way consumers thought about the world around them and some are examples of great solid marketing built on spot-on insights and beautifully, perfectly executed.

Advertising Age tapped the expertise of leading creators and marketers to derive this list of 15. We asked our judges to consider three criteria, the same three questions that were used for the original Top 100 Ad Campaigns of the 20th Century:

  1. Was it a watershed ad or campaign, discernibly changing the culture of advertising or the popular culture as a whole?
  2. If it itself was credited with creating a category, or if by its efforts a brand became entrenched in its category as No. 1.
  3. Was it simply unforgettable?

We gave the judges a list of 50 nominees from which to vote on their top 15 and then rank them. These winning campaigns are those that got the most judges votes to be on the list, and ranked the highest. Ad Age Members were also asked to weigh in on their picks, and you can see the results of that poll here.

One of the judges, Greg Hahn, CCO, BBDO New York, noted of the finalists, Looking at this list you can see what these executions have in common. They all have a strong voice, a POV, and a client that was willing to go outside of the tried and true. These all broke through because they broke out of the norm. They remain as standouts because they were inherently right for the brand. There are a million logical reasons why each of these shouldn t have worked. Thank God the right people ignored all of them.

WINNERS

JUDGES

BUY THE eBOOK

Small business saturday

The Top 15 Ad Campaigns of the 21st Century will be part of the ebook, “Advertising Age: Top Ad Campaigns.” The ebook also includes the Top 100 Ad Campaigns of the 20th Century. The ebook is available from these retailers: Amazon, Google Play, iBooks, Barnes & Noble and Kobo.



Chase Offers $150, 000 In Small Business Grants, small business grants for

Chase Offers $150,000 In Small Business Grants

Grow your small business with a grant and marketing guidance from Chase and Google

Small business grants for women

Chase continues its ongoing commitment to to provide $3 million to local small businesses through its Mission Main Street Grants, a program that will award 20 grants of $150,000 to small businesses nationwide this year. Qualifying businesses will gain access to a marketing Toolkit from Google, a program sponsor.

The chosen 20 grant winners will receive a trip to Google for an exclusive small business marketing workshop, a Google Chromebook Laptop computer and a $2,000 coupon toward one market research study with Google Consumer Surveys (Opens Overlay).

Last year Samuel Gilmore was the recipient of a $200,000 Mission Main Street grant. It was 25 years ago that the former Air Force pilot founded Overnight Success Inc., a construction and supply company, in response to the high unemployment rate among African Americans in his hometown of Miami..Launched in 2012, the program has received $3 million from Chase and Google to help 20 small businesses in 2015.

The former flier of B-52 bombers took $17,000 from his savings to jump-start the business. His first projects consisted of simple jobs such as drywall painting and putting up concrete blocks. But his company went on to win contract bids on major construction projects such as the Miami International Airport, American Airlines Arena, and other commercial developments in the Miami area, and in 2013 Overnight Success grossed $1.4 million in revenues last year. “My contracting firm has hired more than 500 people, paying these workers $15 million in payroll,” says Gilmore, the company’s president and CE

Entrepreneurs from across the country applied in 2014 for the chance to win a Mission Main Street grant and a trip to Google headquarters. After completing the five-question application, entrants had to use social media to get at least 250 votes for their business in order to move up to the next round—in which they could be selected as a grant recipient by a panel of judges.

“The Internet has proven to be a vital pipeline for small businesses, and it continues to connect more businesses to their customers every day,” Jon Kaplan, Google s vice president of U.S. sales and operations, said in a statement

Out of nearly 35,000 applicants, Overnight Success made the cut and was selected as one of 12 small businesses to receive a $250,000 grant. Gilmore used the grant money to buy equipment to compete for contracts such as the Miami-Dade Water and Sewer Department’s $4.5 billion expansion project. With additional funds to help provide more employment opportunities in his community, Gilmore says winning the grant has allowed him to reassess the direction of his company and to evaluate the jobs that have benefited it the most.

In the beginning stages of a small business, Gilmore says, it’s easy for companies to get stuck on a treadmill, taking on jobs that may not always be the most beneficial, because of the need for steady cash flow. But with the help of the Mission Main Street Grants program, Overnight Success can now be more selective about the jobs it takes on.

In this year s contest, the grants are smaller but going to more businesses, 20 versus 12. The winners will be announced early in the year.

The Mission Main Street Grant is among the various corporate-sponsored entrepreneurship programs and non-traditional sources of capital that will be discussed at the 2015 Black Enterprise Entrepreneurs Summit (May 13–16 at the Hyatt Regency in Atlanta), which marks its 20th year assisting startup and established entrepreneurs. The summit is a pivotal venue for small business owners to broker deals with key stakeholders, and to participate in sessions that cover topics such as accessing capital, accelerating tech startups, winning corporate and government contracts, and making value-added industry peer connections.



Startup Financing – Small Business Funding, small business financing.#Small #business #financing


Startup Business Financing

Small business financing

Small business financing

Wouldn t you love to have a few million dollars to start your business? Me too! With a great idea and a great business plan, you probably feel almost entitled to get the funding you re seeking.

The reality, though, is that for most entrepreneurs, you must prove your concept first before anyone will put up that kind of money. But most businesses require some sort of initial capital for things like inventory, marketing, physical facilities, incorporation expenses, etc.

According to the U.S. Small Business Administration (SBA), While poor management is cited most frequently as the reason businesses fail, inadequate or ill-timed financing is a close second. Sometimes it comes down to simple cash flow–many companies have closed their doors because they just couldn t make it another few months until the money came in.

When exploring your funding options, there are several factors to consider:

  • Are your needs short-term or long-term? How quickly will you be able to pay back the loan or provide a return on their investment?
  • Is the money for operating expenses or for capital expenditures that will become assets, such as equipment or real estate?
  • Do you need all the money now or in smaller pieces over several months?
  • Are you willing to assume all the risk if your company doesn t succeed, or do you want someone to share the risk?

The answers to these questions will help you prioritize the many funding options available.

  • Debt financing – You borrow the money and agree to pay it back in a particular time frame at a set interest rate. You owe the money whether your venture succeeds or not. Bank loans are what most people typically think of as debt financing, but we will explore many other options below.

  • Equity financing – You sell partial ownership of your company in exchange for cash. The investors assume all (or most) of the risk–if the company fails, they lose their money. But if it succeeds, they typically make a much greater return on their investment than interest rates. In other words, equity financing is far more expensive if your company is successful, but far less expensive if it isn t.

Because investors take on a much higher risk than lenders, they are typically far more involved in your company. This can be a mixed blessing. They will likely offer advice and connections to help grow your business. But if their plan is to exit your company in 2-3 years with a substantial return on their investment, and your motivation is the long-term sustainable growth of the company, you may find yourself at odds with them as the company grows. Be careful not to give up too much control of your company.

Let s take a closer look at the many options available for startups.

Friends and family are still your best source for both loans and equity deals. They are typically less stringent regarding your credit and their expected return on investment. One caveat: structure the deal with the same legal rigor you would with anyone else or it may create problems down the road when you look for additional financing.

Prepare a business plan and formal documents–you ll both feel better, and it s good practice for later.

Credit cards are a great tool for cash flow management, assuming you use them just for that and not for long-term financing. Keep one or two cards with no balance on it and pay it off every month to give yourself a 30 to 60-day float with no interest. And the low introductory rates on some cards make them some of the cheapest money around. Managed well, they re extremely effective; managed poorly, they re extremely expensive.

Bank loans come in all shapes and sizes, from microloans of a few hundred dollars, typically offered by local community banks, to six-figure loans by major national banks. These are much easier to obtain when backed by assets (home equity or an IRA) or third-party guarantors (e.g., government-sponsored SBA loans or a cosigner).

If you obtain a line of credit rather than a fixed-amount loan, you don t start paying interest until you actually spend the money.

Leasing is the way to go if you need big-ticket items such as equipment, vehicles, or even computers. Your supplier will help you explore this.

Angel investors fill the gap between friends and family and venture capitalists, who now rarely even look at investments below $1 million. Enlist a savvy financial adviser to structure the deal.

Private lending represents a viable alternative when the bank says no . Private lenders are looking for the same information and will conduct similar due diligence as the banks, but they typically specialize in an industry and are more willing to take on higher-risk loans if they see the potential.

There are many channels available to you to raise capital. All of the above approaches have numerous variations. Put together a solid business plan, talk to a financial adviser, and just start asking. Someone will eventually say Yes .



Small Business Financing, TD Canada Trust, small business financing.#Small #business #financing


Small Business Financing

7:00 a.m. – 12:00 a.m. EST

Small business financing

Helping you start, purchase or grow your business

How to apply

Visit your local

TD Canada Trust branch

Government Grants for Small Business

With a Canada Small Business Financing Act Loan (CSBFL), TD Canada Trust and the Government of Canada work together to help you with the financing of your existing business or start-up. A CSBFL can help you get the loan you need to expand, purchase, or improve the fixed assets within your business.

Features of the CSBFL include:

  • Loan amounts available up to $1,000,000 1
  • Financing available for up to 90% of the “Eligible Costs” 2 of assets financed
  • Monthly repayment frequency with a choice of terms, up to a maximum of 10 years. A repayment schedule reflecting an amortization of up to 20 years may be available 3
  • Competitive fixed and floating interest rates are available
  • Personal guarantee required, starting at 25% of the loan amount 4
  • Loan may only be used for certain purposes
  • One-time Federal Government registration fee of 2% of the loan amount (which may be included in the amount borrowed)
  • A 1.25% Administration Fee is included as part of your interest rate
  • Standard TD Canada Trust Set-up fees apply

Do you qualify?

Here are some of the government’s requirements 5 for a CSBFL:

  • Your business operates or is about to operate in Canada
  • Your business’s annual gross revenue is less than $10 million in the year you apply
  • Your business is for profit, and is not a farm, charity, or religious enterprise
  • The assets purchased or improved must be used in your business


Home, Business Victoria, small business opportunities.#Small #business #opportunities


Site Navigation Menu

Small business opportunities

Small business opportunities

Advancing Victorian Manufacturing is the Victorian Government’s blueprint for growth of manufacturing in Victoria.

Small business opportunities

You can do good and make money at the same time. That’s the message from Bessi Graham of The Difference Incubator.

Small business opportunities

Victorian Government support is available to businesses experiencing significant rises to gas and electricity costs.

Small business opportunities

Small Business Victoria Workshops are low cost, practical and run by experts in their fields year round across metro and regional Victoria.

Small business opportunities

To help get your business moving, the Small Business Bus is now touring Victoria bringing expert advice and assistance to you.

Small business opportunities

Find everything you need to know about grants and assistance programs to start, run and grow your business.

Small business opportunities

ABLIS is a free online tool which helps you find government licences, permits and registrations applicable to your business.

Small Business Victoria Update

Tips, tools, news and events to help you run and grow your business – delivered fortnightly.



401(k) and 403(b) Information, small business development center.#Small #business #development #center


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Small business development center Small business development center Small business development center Small business development center

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Marketplace News

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Collected Wisdom

Our researchers look for what they think are some of the better resources available to assist you in administering your plan or helping your clients. We group these resources in our COLLECTED WISDOM topics to make it easy for you to locate the information you need. Each item in a category contains a summary and date of when it was placed in the group.

We also maintain some older material in these collections for perspective and context.

Small business development center

Daily Article Digest

The Daily News Digest is where we aggregate, from over 500 sources, the latest published material on 401k trends, fiduciary issues, legislative action, court cases, opinion, rule changes, insights, white papers, surveys, studies, commentary and more.

Small business development center

Insight: Research and White Papers

There is a great deal of research published around defined contribution plans and related issues. We index much of it here.

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Fiduciary Related News and Intelligence

These are general news and articles around fiduciary issues.

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Tools and Resources

Calculators, charts, samples, directories and other resources to help you run and manage your plan or practice.