| Business Loans Buyer's Guide Introduction to | | | | Capitalfund a startup business finance a business |
| commercial lending Reasons to take out a business | | | | acquisition provide working capital for a business that |
| loan Types of business loans What are your chances. | | | | can be used to purchase necessary machinery,. Your |
| Business loans are commonly used by business | | | | options for planning and presentation are many and |
| owners to access cash needed for business start up, | | | | various, ranging from seeking investment from |
| growth or improvement. Standard business loans can | | | | venture capitalists (involving a high degree of planning |
| take on several different forms in specific situations: | | | | and presentation) to self-certification (requiring very |
| Introduction to commercial lending Reasons to take | | | | little financial information). Community Venture Capital |
| out a business loan Types of business loans What | | | | Program Stimulate investment to promote regional |
| are your chances. Lines of credit are more general | | | | economic diversification New Media Venture Capital |
| business loans that are often set up to insure against | | | | ProgramStimulate investment in "new media" |
| cash flow problems. | | | | businesses Venture Capital Corporation |
| Business | | | | Portfolioinvesting Administration and forms Eligible |
| Your business might be a good candidate for | | | | Business Corporation Direct |
| factoring if you have: Fewer than three years in | | | | investmentapproachAdministration and forms |
| business Good growth prospects but less than stellar | | | | Q&AFrequentlyasked questions and answers |
| cash flow Active accounts but slow paying | | | | StreamliningInformationabout exciting changes to the |
| customers Find a factoring company in your area | | | | program processes Tax Credit Budget UpdatesCheck |
| now. The business products and services we offer | | | | the status of each tax credit budget March 23, 2007. |
| make it simple for you to handle vendor costs, pay | | | | Each Venture Capital Corporations assessment of the |
| bills, meet payroll and earn competitive rates on your | | | | market for their shares as indicated in their Request |
| cash. Banks are a common source of business loans, | | | | for Additional Equity Capital will serve as the basis for |
| but they are often more conservative in their lending | | | | issuing equity allocations this year. Venture Capital |
| decisions. Regular Loans Between $20, 000 to $5 | | | | Corporations rely on professional advice as part of |
| million is made available to small business operators | | | | their due diligence process to determine if they can |
| many of whom would not normally be able to access | | | | invest in a small business. Venture Capital |
| loans from the regular financial institutions. | | | | Corporations are able to invest in any small business |
| Bank | | | | that meets the requirements of the Small Business |
| Banks are a common source of business loans, but | | | | Venture Capital Act eligible Small Business Rulings are |
| they are often more conservative in their lending | | | | not required for a VCC to consider a business for |
| decisions. We need a banker that understands the | | | | investment. |
| world market, can review our summary, and agree in | | | | Standard business loans can take on several different |
| principle to fund the project with collateral that is | | | | forms in specific situations: Introduction to commercial |
| acceptable to the bank. That will review the loan | | | | lending Reasons to take out a business loan Types |
| request, after determining that it is a viable / sound | | | | of business loans What are your chances. While there |
| business situation, state in a "Comfort / Commitment | | | | are stringent federal guidelines about how banks and |
| Letter", that they will fund my acquisition, because I | | | | other lenders conduct business, there are no |
| do in fact have "access to", a performing collateral | | | | definitive standards as to how the various types of |
| provider, who can, upon receipt of this "Comfort / | | | | business loans are structured: terms and conditions |
| Commitment Letter", structure a funding transaction, | | | | may vary from one lender to the next, and minimum |
| whereby the lending / funding source: 'Will' (first) | | | | and maximum amounts can differ. As always, you |
| receive a top 25 rated world bank's *Bank | | | | are required to keep records related to your |
| Guarantee* (BG) for 100% principal and 8% interest, | | | | investments and compliance with the Small Business |
| this to be authenicated, validated, certified, before | | | | Venture Capital Act. Private investors or angels are a |
| lender / funder releases / transfers the 100% of the | | | | great source of startup business capital to help your |
| loan requested to the borrower's (my) bank | | | | new business reach success. Instead of moving in |
| coordinates. So with the use of the Structured Note, | | | | and taking over, Business Capital works with you to |
| the lending bank is fully secured as to the repayment | | | | leverage what you have, assess what you need, and |
| of its principal and the receipt of its interest, without | | | | leave your business stronger -- not weaker -- when |
| any lien on the project. | | | | we're finished. |