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Comprehensive Guide to Securing Capital for Your Business Needs

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Discover the various avenues for obtaining capital essential for your business growth. This guide outlines how much funding you may need based on factors such as business type, competition, and location. Learn about potential sources of funds, including personal savings, banks, venture capitalists, and government programs. It delves into different types of loans, the importance of collateral, and the 5 C's of credit. Additionally, get tips on preparing your loan package effectively and building a strong relationship with your banker for long-term success.

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Comprehensive Guide to Securing Capital for Your Business Needs

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  1. Searching for Capital

  2. Searching for Capital How much will you need? Depends on: • Type of business • Kinds of products / services provided • Who suppliers will be • Where you are located • Amount of competition • Customer Purchasing Power • Costs SLIDE 1

  3. Searching for Capital Where will the money come from? • Personal Savings • Family and Friends • Banks, Savings and Loans, Credit Unions • Commercial Finance Companies • Venture Capitalists • Government Programs SLIDE 2

  4. Searching for Capital SBA Loans • 7(a) Regular Business Loans • 504 Loans (certified development company) • Low Doc Loans • SBIC • Capital Access Loans (CAP) • Others SLIDE 3

  5. Searching for Capital Short-Term Business Loans • Line of Credit • Inventory • Commercial • Accounts Receivable SLIDE 4

  6. Searching for Capital Other Types of Business Loans • Medium-term Loans • Long-term Loans • Mortgages • Real Estate Loans • Equity Financing SLIDE 5

  7. Searching for Capital What kind of collateral will you need? • Personal Assets • Savings Accounts • Life Insurance Policies • Stocks and Bonds • Co-Signers • Lease Assignments / Warehouse Receipts • Mortgages SLIDE 6

  8. Searching for Capital The 5 C’s of Credit • Character • Capacity • Collateral • Conditions • Capital SLIDE 7

  9. Searching for Capital Preparing Your Loan Package • Business Description • Management Profiles • Market Projections • Purpose SLIDE 8

  10. Searching for Capital Preparing Your Loan Package • Amount • Repayment Plans • Financials SLIDE 9

  11. Searching for Capital Establishing and Maintaining Rapport With Your Banker • Establish a good credit history • Determine if your business is too big or too small • Invite your banker to your business SLIDE 10

  12. Searching for Capital Establishing and Maintaining Rapport With Your Banker • Keep your banker in the information loop • Work in advance • Never surprise your banker • Be honest with your banker SLIDE 11

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