Spurred by President Obama, the Small Business Association has stepped up its loan program to companies around the nation. But to receive an SBA-guaranteed loan, firms must navigate a complex course of processes, qualifications, documentation, and approvals. You need this new edition of Charles Green's invaluable book to chart the best way to apply for and get an SBA loan. Green wastes no time in showing: Why an SBA loan guarantee is a good option in tough economic times How to choose the right bank at a time when many banks have failed and credit is tight What the new rules and regulations say about the paperwork and documentation loan applicants must supply In today's turbulent economic climate, solid financial backing is the key to small business survival. And this fully updated guide to SBA loans will help you land it.
Endorsed by the Chartered Banker Institute as core reading for one of the modules leading to the Institute's professional qualifications and chartered status, Commercial Lending supports readers that wish to develop their ability to analyze the creditworthiness of a customer and their business in the context of the current economic climate, future market and sector expectations. Commercial Lending uses a series of practical exercises and case studies, and provides the tools needed for the reader to understand and appraise a customer's business strategy. This will then enable the reader to provide appropriate funding solutions to meet the commercial needs of customers while reflecting the bank's risk appetite. These tools include: how to assess the performance and creditworthiness of a business; how to critically evaluate the robustness of cash flow; and how to undertake sensitivity analysis to quantify sustainable debt repayment capacity. This practical text will present a critical analysis of financial and non-financial information to help readers identify key risks inherent in the customer's lending proposition. Readers will go on to propose suitable funding solutions that mitigate risk and meet the needs of customer and bank. Online supporting resources include a glossary and updates to regulation in the UK. All law and legislation used throughout the book (Chapters 1, 6 and 9) is either UK or English law. Readers outside the UK are recommended to check the appropriate legislation in their country. The currency used throughout the book is UK Sterling (denominated by £ symbol) and where working examples are used (particularly in Chapters 2 and 3) readers can substitute their own currency by using the appropriate exchange rate for their own country.
"Every entrepreneur should read this book, ideally before they start their next business. The insights into finance and financial planning should help the entrepreneur not make many of the mistakes I did!" Jim Beach, Director of Education at The Entrepreneur School and author of School for Start-Ups "An exhaustive and invaluable resource for companies seeking funding at any stage of their life cycle." Donald J. Mullineaux, DuPont Chair in Banking and Financial Services, Gatton College of Business and Economics, University of Kentucky “Get Financing Now is a must for every entrepreneur starting a business or growing a business. . . . Although an easy and enjoyable read, the information and insight Charles Green provides isn’t sugar coated. It is relevant and timely in today’s economic challenging times. It seemed that every page had at least one ‘golden nugget’ that an entrepreneur could literally ‘take to the bank.’” Karen Rands, strategic advisor to entrepreneurs regarding access to capital and coordinator of an Atlanta based angel investor group ”Charles Green’s new book Get Financing Now is a real-world description of what small-business owners must know to fund startup or growth, and improves the probability for small-business owners to get the funding they need.” Jerry Chautin, national business columnist, former entrepreneur, SCORE business mentor and SBA’s 2006 national Journalist of the Year “Charles Green is a change agent for entrepreneurs in the field of acquiring financing and capital. He has written the premier guide to help entrepreneurs through the changes needed to acquire capital in the new marketplace thrust upon us by the great recession. I highly recommend Get Financing Now.” Larry Tyler, author of Romancing the Loan "A fantastic read! To the point and explains business terms for laymen—helps grasping the concept easily. Love it!” Colethea Jenkins, Build Grow and Enjoy
Susan Mallery, #1 New York Times bestselling author of the Fool’s Gold romances, proves there’s nowhere better than Happily Inc to rekindle first love. Silver Tesdal has a head for business and a mouth made for kissing, and banker Drew Lovato has his eye on both. But ever since he was dumb enough to let her go, she’s kept him at a distance. When the bank turns her down for a loan, Drew sees a double opportunity—he can finance her brilliant, unique idea to rock Happily Inc’s wedding industry and win back her trust. Despite her reputation, Silver’s not as tough as she seems. Losing Drew nearly destroyed her. Still, his kisses are as tempting as his offer to invest in her business. If she can’t quite get over him, maybe she should get under him and knock him out of her system once and for all. But her best laid plans begin to unravel as Silver finds herself falling even harder than when they were high school sweethearts. Which means that she’ll have to come clean about the secret she’s been hiding from him for years—and risk losing him forever. Read more in the reader-favorite Happily Inc series: Book 1: You Say It First Book 2: Second Chance Girl Book 3: Why Not Tonight Book 4: Not Quite Over You Book 5: Meant to Be Yours Book 6: Happily This Christmas
The SSBCI provides funding to states, territories, and eligible municipalities to expand existing or to create new state small business investment programs, including state capital access programs, collateral support programs, loan participation programs, loan guarantee programs, and venture capital programs. This book examines the SSBCI and its implementation, including Treasury's response to initial program audits conducted by the U.S. Government Accountability Office and Treasury's Office of Inspector General. These audits suggested that SSBCI participants were generally complying with the statute's requirements, but that some compliance problems existed, in that, the Treasury's oversight of the program could be improved; and performance measures were needed to assess the program's efficacy.
Romance—the Western way! Harlequin Western Romance brings you a collection of four new heartwarming contemporary romances of everyday women finding love. Available now! This box set includes: A TEXAS SOLDIER’S CHRISTMAS Texas Legacies: The Lockharts by Cathy Gillen Thacker Soldier Zane Lockhart rushes home to Texas to claim his son, then discovers Nora Caldwell’s adopted baby isn’t his. He still wants to make the army nurse and her boy family—in time for baby Liam’s first Christmas! THE COWBOY SEAL’S CHRISTMAS BABY Cowboy SEALs by Laura Marie Altom When former navy SEAL Gideon Snow finds a baby and a woman with amnesia on a remote Arizona trail, he’s forced to take them home. Christmas at his ranch just got more interesting! A SNOWBOUND COWBOY CHRISTMAS Saddle Ridge, Montana by Amanda Renee Single mom-to-be Emma Sheridan has one job: convince Dylan Slade to sell his Montana guest ranch. But when Emma is stuck in Saddle Ridge, she realizes she likes being snowbound with the handsome rancher. THE BULL RIDER’S PLAN Montana Bull Riders by Jeannie Watt Jess Hayward is off on a rodeo road trip, where he plans to fulfill his bull-riding dream. But he doesn’t expect Emma Sullivan, his best friend’s sister, to tag along. She’s a distraction he doesn’t need!
A swoon-worthy, small town romance from USA Today Bestselling Author J.H. Croix! I’m not planning to fall for the hot, broody military hero, thank you very much. Skylar’s all but wearing a Stay Away sign. She might be tempting, but I can take a hint. Until a single moment leads to one kiss and then another. Before I know it, I’m in deep. After tragically losing my first love, I never planned to fall in love again. But Skylar gets to me. She doesn’t even believe in love. I want her to believe. I want to slay her dragons. All of them. I can handle it. My heart won’t get involved. Until Skylar walks away. Tucker & Skylar’s story is perfect for readers who love: broody military heroes, friends to lovers, slow burn, small town gossip, emotional romance with a dash of angst, tons of swoon, and one smokin’ hot protective hero. *A full-length, standalone romance.
A lost love comes back… Clara Harrington is secretly arranging the wedding of the year for Hollywood’s latest sweetheart—an event that will make her the West Coast’s most sought-after wedding planner. However, when she discovers the best man is her ex-fiancé, Andrew Cross, Clara is blindsided. Andrew is a changed man, intent on making amends. But will Clara risk her heart again when at long last her career is about to take off? Seabreeze Wedding Chapel series: Prequel - The Bride's Dream Wedding Book 1 - The Bride's Pink Shoes Book 2 - The Bride's Christmas Dress
The challenges of building a writing career don't end with the craft of writing. Writers also have to find ways to tell the world of their work. Tooting your own horn can be a vastly uncomfortable practice and can be downright excruciating, especially in the midst of ongoing rejection. On the Struggle to Self Promote examines ways to reframe the act of self-promotion so that you don't feel like you're hawking your ways, but rather honoring your creativity and being a passionate advocate for your work out in the world.