Tag: Capital

Spark capital boston #spark #capital #boston


H.I.G. Capital is a leading global private equity investment firm with $21 billion of equity capital under management. * The H.I.G. family of funds includes private equity, growth equity, real estate, debt/credit, lending and biohealth. We align ourselves with committed management teams and entrepreneurs and help build businesses of significant value. Our team of over 300 investment professionals has substantial operating, consulting, technology and financial management experience, enabling us to contribute meaningfully to our portfolio companies. We invest in companies throughout the U.S. and Europe and have offices in Miami, New York, Boston, Chicago, Dallas, Los Angeles, San Francisco and Atlanta in the U.S. and affiliate offices in London, Hamburg, Luxembourg, Madrid, Milan and Paris in Europe as well as Bogotá, Mexico City and Rio de Janeiro in South America.

H.I.G. Private Equity

H.I.G. Private Equity funds focus on leveraged buyouts, equity, debt and other investments in small and mid-sized companies that can benefit from H.I.G.’s in-house operating professionals and expertise. H.I.G. has invested in and managed more than 200 companies worldwide since its founding in 1993, with combined sales in excess of $30 billion. H.I.G. has offices in the U.S. (Miami, New York, Boston, Chicago, Dallas, Los Angeles, San Francisco and Atlanta), affiliate offices in Europe (London, Hamburg, Luxembourg. Madrid, Milan and Paris) and affiliate offices in South America (Bogotá, Mexico City and Rio de Janeiro). For more information, visit www.higprivateequity.com .

WhiteHorse Capital

WhiteHorse Capital is the credit affiliate of H.I.G. Capital. WhiteHorse provides debt financing to middle market companies in the U.S. and Europe. WhiteHorse has a broad investment mandate and provides senior and subordinated debt for refinancings, growth capital, acquisitions, buyouts, and balance sheet recapitalizations. For more information, visit www.whitehorsecapital.com .

Bayside Capital

Bayside Capital is a credit oriented investment firm. Focused on middle market companies, we invest across several segments of the primary and secondary debt capital markets with an emphasis on long term returns. With eight offices throughout the U.S. and Europe and over 300 investment professionals to draw upon, Bayside Capital has the experience, resources, and flexibility required to provide capital solutions quickly, and the strategic and operational expertise to help support its investments. Bayside Capital invests through two separate groups:

Bayside Capital provides rapid access to debt and equity capital, in partnership with existing stakeholders, generally in time-sensitive or challenging situations requiring a creative solution.

Bayside Fixed Income trades in public and private debt instruments in the secondary market.
For more information, visit www.bayside.com .

H.I.G. Growth Partners

H.I.G. Growth Partners is the dedicated growth capital investment affiliate of H.I.G. Capital, a leading global private equity investment firm with $21 billion of equity capital under management. * We seek to make both majority and minority investments in strong, growth oriented businesses located throughout North America, South America and Europe. We will invest $5 million to $30 million in equity in a given company and target investments in profitable growth oriented businesses with between $10 million and $100 million in revenues. We consider investments across all industries, but focus on certain high-growth sectors where H.I.G. has extensive in-house expertise such as technology, internet and media, healthcare, consumer products and technology-enabled financial and business services.

As the growth equity investment group within the H.I.G. platform, we are uniquely positioned to add significant value to our businesses by leveraging over 300 of H.I.G.’s investment professionals and more than 250 investments across a wide range of industries and transactional dynamics. The H.I.G. family of funds includes private equity, growth equity, debt/credit, real estate and public equities. H.I.G. has U.S. offices in Miami, New York, Boston, Chicago, Dallas, Los Angeles, San Francisco and Atlanta, European offices in London, Hamburg, Luxembourg, Madrid, Milan and Paris as well as Bogotá, Mexico City and Rio de Janeiro in South America. For more information, visit www.higgrowth.com .

H.I.G. BioHealth Partners

H.I.G. BioHealth Partners invests in a broad range of healthcare companies across sectors and stages. We invest in biopharmaceutical and medical technology companies developing novel products for significant unmet medical needs. For more information, visit www.higbio.com .

Brightpoint Capital

Brightpoint Capital, H.I.G. Capital’s public securities investment affiliate, invests primarily in small and mid-capitalization publicly traded companies and, to a lesser extent, in less liquid, non-control investments. For more information, visit www.brightpointcap.com .

H.I.G. Realty Partners

H.I.G. Realty Partners, H.I.G.’s real estate investment affiliate, makes opportunistic investments in small and mid-size real estate properties in the United States. H.I.G. Realty Partners continues its successful turnaround investment strategy: a disciplined, value-oriented approach to investing. Its principals have completed real estate investments on behalf of investors of more than $1.5 billion in value. For more information, visit www.higrealty.com .

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Global Star Capital – (Rich Cocovich) – Business Funding for all Sectors #global #star


We Are the top intermediary agency and consulting firm in private funding.

We Service Commercial and Intellectual Property Projects.

We Handle Start-up Funding, Business Funding for Expansion, Business Acquisitions and Merger/Leverage Buyouts, Stage Two Growth, Bridge Loans, Sale Leaseback, Mezzanine Loans, Construction Loans, Land Loans, International Loans, Hard Money Loans, Alternative Collateral, Credit Lines, Refinancing Loans, Debt Loans Secured By Collateral.

Our Funding Source Facilitators range from our own Internal Company Lending to Private Individuals, Private Trust Funds, Hedge Funds, Private Investment Banking Companies, Direct Hard Money Lenders, Wall Street, Private Wealth Groups, Private Investment Societies, Long Time Funding Underwriters, Merchant Banks, Off-Shore Money Lenders, Private International Bank Lending and societies of specified Angel Investors.

We Work with solvent individuals who have projects ranging from $1,000,000 and up with NO MAXIMUM LIMIT. These projects can include, but are not limited to: Land Development, Commercial Property Development, Medical, Transportation, Technology, Energy, Alternative Energy, Bio Tech, Green Earth Projects, Business Growth Projects and most other sectors not listed.

Please Read the entire website to understand our philosophy, protocol, and process. Our etched in stone system and services are in extremely high demand. We will not rework our system or protocol. Governments, corporations and individuals world wide have all followed our protocol in assisting their goals for decades.

Countries from which we will consider projects from include: United States, United Kingdom, China, Italy, Japan, France, Germany, Spain, The Bahamas, Brazil, Panama, Singapore, India, Canada, Mexico, Costa Rica, Belize, Australia, Chile, Argentina, Greece, Switzerland, Sweden, Denmark, Finland, Norway, Ireland, Scotland, Montenegro, Croatia, Poland, Romania, Indonesia, New Zealand, Russia, United Arab Emirates, Ghana, South Africa, Portugal, Aruba, Puerto Rico, Bermuda, Iceland, Netherlands, Thailand, Mongolia, Cameroon, Philippines, Bolivia, Peru, Guatemala, Haiti, Dominican Republic, Tahiti, Columbia, Malaysia, Qatar, Belgium, Grenada, Suriname plus Trinidad and Tobagoand and others by request, in fact we have done work in over 100 countries.

Global Star Capital welcomes all solvent project principals to begin their relationship with our firm by following the direction in the OUR PROCESS section of this website.

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Drake Real Estate Partners #public #storage #raleigh #nc #capital #blvd






Our Story

Our Story

■ Founded by David Cotterman and Nicolas Ibanez who were introduced and mentored by Arthur Segel, a Harvard Business School professor and founder of TA Realty, a $15 billion US real estate investment firm

■ David Cotterman was previously a principal in the real estate group of MSD Capital (Michael Dell’s investment group), which has invested over $1 billion of equity in U.S. real estate

■ Nicolas Ibanez formerly headed the Real Assets Strategy for Drake Enterprises. Drake Enterprises is devoted to managing the capital that resulted from the sale of its main operating business in Chile to Wal-Mart Stores, Inc. in 2009 and 2014

■ In 2012, with Drake Enterprises as their anchor investor, started building an institutional team and infrastructure that could pursue a U.S. real estate investment strategy that has proven attractive over the long term – a value based approach in which they would buy assets at a fraction of their replacements costs, located in stable markets with limited new supply, while taking advantage of attractive long-term financing to produce strong cash flows for their investment partners

■ Drake Real Estate Partners has invested over $800 million of real estate from various investors across two investment funds, and it is now in the process of launching its third fund. It has invested across a variety of geographies and asset classes, including multifamily, industrial, office / medical office, self storage, retail, and hospitality



Cash flow generation is critical. Our entrepreneurial eye and our connectivity with local operating partners allows us to make something good even better.

Rather than relying on macroeconomic guesswork to drive decision making, we instead rely on resourcefulness, creativity, financial aptitude and local expertise to unlock latent value overlooked by others.

We are also astute enough to understand that sometimes the only thing that stands in between good and great is patience.


It is about generating shared value.
our investment process considers not only financial returns, but also the impact on our partners, our tenants, our communities, and our nation.


It is about generating shared value.
our investment process considers not only financial returns, but also the impact on our partners, our tenants, our communities, and our nation.

We also believe that investors should have unfettered access to the investment committee.

There are no secrets here.

Our investment platform is built on trust, ingenuity, and performance. Investors come to us because of our relationships and our commitment to fundamentally sound investment practices. Experience counts.

Most importantly, we are heavily invested in every one of our properties.








self storage

1% For The Planet

1% For The Planet




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PayPal Working Capital #where #to #find #working #capital


Pay as you grow with PayPal Working Capital

Since we got PayPal Working Capital, every month has been our best month.

Frequently asked questions

How does PayPal Working Capital work?

PayPal Working Capital is a business loan with one affordable, fixed fee. You repay the loan and fee with a percentage of your PayPal sales. There are no periodic interest charges, monthly bills, late fees, pre-payment fees, penalty fees, or any other fees.

The process is easy:

  1. Select your loan amount. The maximum loan amount depends on your PayPal sales history.
  2. Choose the percentage of your PayPal sales that will go toward repaying your loan and fee.
  3. If approved, receive the funds in your PayPal account within minutes.
  4. Repay automatically with a percentage of each sale until your balance is paid in full. You can also make manual payments or even pay the loan in full without penalty.

Am I eligible to apply for PayPal Working Capital?

To be eligible to apply for PayPal Working Capital, you must:

  • Have a PayPal Business or Premier account for 3 months or more
  • Process at least $20,000 in PayPal sales annually if you have a Premier PayPal account or $15,000 in PayPal sales annually if you have a Business PayPal account
  • Pay off any existing PayPal Working Capital loan

What fees do I have to pay with PayPal Working Capital?

Unlike traditional loans, PayPal Working Capital charges a single, fixed fee that you’ll know before you sign up. No periodic interest, no hidden fees, and no late fees.

What is the minimum repayment requirement?

Because your automatic repayments get deducted as a percentage of each PayPal sale, the amount you repay each day changes with your sales volume. The more you sell, the more repayment progress you’ll make that day. On days without sales, you’ll make no payments, but there is a minimum repayment requirement every 90 days.

Regardless of sales volume, you must pay at least 10% of your total loan amount (loan + the fixed fee) every 90 days for the first 540 days of the loan, or until you’ve repaid the full amount, whichever occurs first.

Here’s an example:

If you borrow $10,000 ($9,500 loan + $500 fixed fee), you are required to pay $1,000 every 90 days for the first 540 days of the loan.

For most of our customers, regular automatic repayments easily cover the minimum and this is never an issue. But if you do get behind, you can make additional payments on the PayPal Working Capital website.

If you do not meet the minimum and your loan goes into default, your entire balance could become due and limits could be placed on your PayPal account.

Please see Section 12 of the Terms and Conditions to learn more about default.

Can I get more than one PayPal Working Capital loan at a time?

PayPal Working Capital loans are issued one at a time. You can apply after paying off one loan to get another one – many merchants do. Keep in mind that it can take up to 3 business days for your final payment to process before you’ll be able to apply for a future loan, which will then be subject to approval.

Have questions?

Call us and we’ll be happy to help.

Ready to get started?

Minimum repayment requirement

With PayPal Working Capital, payments are flexible and change with your sales. We know that sales can sometimes vary, so it’s important to us that you understand the loan’s minimum repayment requirement.

Regardless of sales volume, you must pay at least 10% of your total loan amount (loan + the fixed fee) every 90 days for the first 540 days of the loan, or until the loan is paid in full, whichever occurs first.

If you don’t meet this requirement, you’ll fall behind and your loan will go into default.

But don’t worry. For most of our customers, regular automatic repayments easily cover the minimum and this is never an issue.

If you do fall behind, you can make additional payments on the PayPal Working Capital website.

Welcome back!
You have a saved offer.

Your offer to borrow up to is good until at . Customize and accept your offer and receive funding in minutes.

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Smoke alarms fail to wake children – BBC News #capital #alarms


Smoke alarms ‘fail to wake children’

Media caption In a trial, children responded better to an alarm with a woman’s voice

Forensic scientists and fire investigators have warned that smoke alarms may not wake children.

Research by Dundee University and Derbyshire Fire and Rescue found that of 34 children tested, 27 repeatedly slept through smoke detector alarms.

They have developed an alarm with a lower pitch and a woman’s voice, which issues a warning: “Wake up, the house is on fire.”

Prof Niamh Nic Daeid, a forensic scientist at Dundee, said: “Boys are especially hard to wake, and we think they will respond to a human voice.”

Standard smoke alarms have a frequency of around 3,000Hz, but the prototype has a lower pitch of 520Hz, to which young children are more likely to respond.

Image caption In this test blaze, the smoke alarm gave plenty of warning – but would it have woken a child?

Dave Coss, watch manager at Derbyshire Fire and Rescue Service, got involved in the research after the deaths of six children in a house fire in Derby in 2012, which was started deliberately by their parents.

The children, aged five to 13, all slept through the sound of smoke alarms.

Mick Philpott was jailed for life for manslaughter, while his wife, Mairead, and an accomplice were sentenced to 17 years.

Mr Coss told me: “When we investigated this tragic case, we thought the children may have been incapacitated in some way and prevented from getting up, as all were found in their beds.”

He said that toxicology reports proved negative, so the only other option was that “the children didn’t respond to the smoke detector and just carried on sleeping”.

Mr Coss and Prof Nic Daeid conducted tests involving smoke alarms in the homes of 34 children aged between two and 13.

Each child was tested six times in their own home and were not warned that the smoke alarm was to be set off.

Twenty-seven children slept through the alarms on all six tests. Seven children, all girls, woke at least once.

None of the boys woke during the tests.

Image caption Melanie and Stuart have four boys and say only one has ever woken during a test of their standard smoke alarm

Among the children tested were the four boys of Melanie and Stuart Wilkins, who are aged three to 13.

Melanie is the niece of Mr Coss, who contacted her to help in the research.

Melanie told me that Jack, 13, Daniel, 10, Lewis, seven, and Oscar, three, had been repeatedly tested and had never woken up when she had activated the smoke alarm.

Experimental alarm

The BBC filmed at night with the Wilkins family. Daniel was the only child to wake up when Melanie set off the smoke alarm in the hall landing.

Smoke alarms are required to reach 85 decibels at 3m (10ft).

The portable speaker used to play the experimental alarm is not as loud, so in order to make a comparison Melanie needed to open the boys’ bedroom doors.

Image caption Melanie reassures her four sons after the prototype smoke alarm wakes them

When Melanie set off the new sound alert, all four boys woke up immediately.

She told me: “Your children are like gold, they’re the most precious things. I didn’t think in a million years that our smoke alarm would not wake them up.”

Melanie thought the voice recording of a woman’s voice was an excellent idea.

She said: “It’s like the voice of a parent that they are used to listening to day-in and day-out and maybe subconsciously that is what they hear when the alarm goes off.”

Researchers at Dundee say there are several theories they were exploring as to why standard smoke alarms may not wake children.

Rodney Mountain, from the University’s School of Medicine, said: “Children’s hearing ability, brain function, sleep patterns and stage of brain development is very different to adults.

“We are programmed to respond to human voices warning of danger, such as a mother’s voice shouting to warn a child.

“Children are not born pre-programmed for our modern world of danger warning sounds from digital beeps and sirens – they have to learn, recognise and interpret these sounds.”

Families needed

Some 500 families from across the UK with children aged between two and 16 are being sought to take part in a trial comparing standard smoke alarms with the new sound.

Prof Nic Daeid said: “Protecting our children in the event of fire is so fundamentally important that we want to involve parents and their children in expanding this research.”

The researchers said it was important the study did not undermine the need for every home to be fitted with smoke alarms, as these will wake adults and had a proven record in saving lives.

The Fire Industry Association, which represents manufacturers of smoke alarms, said it had done no specific research with a focus on children but there were different types of alarm available, such as vibrating pads that could fit under a pillow, for those with hearing problems.

The Chief Fire Officers Association said it was “crucial” that people tested their smoke alarms regularly, adding: “As this research does indicate that some children may not wake to the sound of a smoke alarm, parents, guardians and responsible adults should ensure that they prepare an escape plan which must account for this.

“Children must woken and evacuated as part of this plan.”

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Why The SBIC Doesn – t Work For Venture Capital Anymore – Feld Thoughts

#small business investment company


Why The SBIC Doesn t Work For Venture Capital Anymore

There are so many things wrong in the article I felt compelled to write about it. This isn t a knock on the writer (Alicia Wallace) I like Alicia and think she does a good job. Rather, it s an example of the difference between signal and noise in any kind of reporting around the VC industry.

I’m an investor in over 40 VC funds around the world (mostly in the US) and three of them are SBIC funds. Each of the SBIC funds were raised in the 2000 2002 time period. On paper, only one is in positive return territory as a fund, but the SBIC leverage is a substantial negative factor for the LP investors in that particular fund. And, in the other two, I don’t expect to ever see any of my capital back because of the SBIC leverage. Furthermore, I don t believe any of the GPs in any SBIC-backed fund would ever take money from the SBIC again.

So I’m speaking from at least a little experience albeit indirectly with the SBIC, as I ve never been a GP in a fund that had SBIC leverage.

The article starts off saying that “Matthew Varilek has traveled across the state, proselytizing the potential benefits of the Small Business Investment Company Program.” As a partner in one of the most visible VC firms in Colorado and an LP in many of the Colorado VC firms, I’ve never heard from Matthew or anyone from the SBIC. Matthew, if you really want to have a deep discussion about why the SBIC program isn’t effective for VC funds anymore, feel free to give me a shout. I’d be happy to meet with you.

Next, there is the wonderful PR quote about the SBIC that says “Since the program s inception, SBIC success stories include the funding of companies such as Apple, Costco and FedEx when they were burgeoning small businesses.” The SBIC was instrumental in the creation of the venture capital business. The Small Business Investment Act of 1958 helped catalyze many of the VC firms created in the early 1960s. When I first heard about VC firms in the late 1980s, and my first company (Feld Technologies) started writing portfolio management software for some Boston-based VC firms, many of them had funds with SBIC leverage, although even by the late 1980s this was changing and many of them had shifted away from the SBIC. If you want to see a fun quote on it, read A History of Silicon Valley which quotes:

“ …many venture capital pioneers think the SBIC program did little to advance the art and practice of venture investing. The booming IPO market proved the model of investing in new companies, as some SBICs cash out at attractive levels. SBICs did give a boost to early venture firms, and some like Franklin “Pitch” Johnson, profiled below, thought the new law made the US “see that there was a problem and that [venture investing] was a way to do something… it formed the seed of the idea and a cadre of people like us.” Bill Draper, the first West Coast venture capitalist, has been more blunt: “[Without it] I never would have gotten into venture capital. it made the difference between not being able to do it, not having the money.” Many believe SBICs filled a void from 1958 to the early 1970s, by which point the partnership-based venture firms took off. The US government, however, lost most of the $2 billion it put into SBIC firms.

So, while Apple, Costco, and FedEx benefited, the PR would be more credible if the SBIC was trumpeting iconic companies created after 1990 or even 2000, especially where the lead investors (rather than follow on investors) had SBIC capital.

Peter Adams, head of Rockies Venture Club, is quoted a few times. I like and respect Peter, so this isn t aimed at him, but rather at the clear lack of understanding of the capital dynamics around VC funds.

It looks really great on the surface, said Peter Adams, executive director of the Rockies Venture Club, a nonprofit aimed at connecting investors and entrepreneurs. Then when you dig into it, there were some problems. Adams, who has been involved in many of the meetings with the SBA and members of the investment community, said the greatest concerns voiced by investors and venture capitalists involved management team qualifications, investment track records and the addition of debt to the equation. No. 1 for us is they want a management team with multiple people that have track records in venture capital and have worked together as a team before, he said. I can see where they re going with it, but the VC industry in Colorado has been fairly decimated through the economic downturn.

Peter is right about the context, but has two fundamental things wrong here. First, the VC industry in Colorado wasn t decimated through the economic downtown. It was decimated because of lack of performance between 2001 and 2009, just like much of the rest of the VC industry around the US. There s nothing special about Colorado in this mix, and it has nothing to do with the economic downtown. This dynamic has been reported thousands of times so I don t need to go through it again, but we don t have to look back very far to hear the drum beat from the media, LPs, and everyone else about how VC is dead. And if you re curious, it wasn t too long ago that Silicon Valley was also dying .

The other problem here is the need of the SBIC to invest in a management team with multiple people that have track records in venture capital and have worked together as a team before. Any VC firm that fits this qualification is unlikely to have difficulty raising money in today s environment, and subsequently has no need for the SBIC leverage. And, more importantly, the only firms that will look for SBIC leverage are one s that don t have this, which is a classic adverse selection problem.

Then there s this:

The recession also then plays into requirements that the management team members have been involved in a meaningful number of successful exits during a four- to six-year period. From 2008 to 2013, that was not a good time for exits, Adams said.

Huh, what? At Foundry Group, our significant exits (at least 10x capital returned) since we raised our first fund in 2007 include AdMeld, Zynga, MakerBot, and Gnip. We ve had plenty of other exits, but these are the big ones. One of those companies, Gnip, is Boulder-based and another from our older funds (Rally Software) also generated a greater than 10x return for us. Techstars (which we helped start) have also had a steady stream of significant exits, including local Boulder companies like Filtrbox, GoodApril, and SocialThing. And then you ve got plenty of Boulder / Denver monsters on paper some in our portfolio (like SendGrid and Sympoz) and others like Zayo, Ping, Logrhythm, and Datalogix. Finally, if you look across the country, the exits have been awesome the past three years.

It keeps going. There s talk about the angel cliff (e.g. we need funds to invest between angels and VCs nope, been there remember gap capital not so effective) and the SBA rules and regulations (which I believe are toxic and inhibiting to a successful VC fund.)

One of the other problem is SBA and SBIC s behavior in governance of the fund. The paperwork is silly and the overhead is non-trivial. The control over distributions and negative incentives to hold or distribute capital often generates bad decisions when companies go public. And at least one close friend who is a partner in an SBIC fund has now found a new LP to buy out the SBIC so they could actually invest capital in their winners, rather than be limited by the SBIC s constraints on the amount of capital you can invest in any particular company.

The SBIC could be a powerful force for good in the venture capital industry. But it has to approach things very different and based on my experience with the SBA over the past decade, I don t see it happening unless there is real leadership somewhere in coordination with leaders in the VC industry. I m certainly willing to help, if only someone bothered to reach out to me.

UPDATE: It turns out my partner Seth Levine had met with Matthew a while ago. Seth said Your blog was right on and much of the type of thing I related to Matt and some senior guys he brought in. The gist of my conversation with them was pushing them to consider a different model that the current one basically led to lowest common denominator GPs and sub-optimal returns. Plus the SBIC leverage could be crushing. I don t think they have a ton of flexibility around this but they at least listened to the feedback. I m going to see a bunch of them in a few weeks I agreed to help judge a business plan competition they were hosting. Like you I m not a huge fan of the program as it has existed but I give the new guys some credit for both reaching out and trying to be proactive about thinking through this.

UPDATE 2: Matthew Varilek reached out to me and we are setting up a time to talk.

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Spark Business #capital #business #loans


Banking and lending products and services are provided by Capital One, N.A. and Capital One Bank (USA), N.A. Members FDIC .

Investment products are offered by Capital One Investing, LLC, a registered broker-dealer and Member FINRA /SIPC . Investment advisory services are provided by Capital One Advisors, LLC, an SEC-registered investment advisor. Insurance products are offered through Capital One Agency, LLC.

All are subsidiaries of Capital One Financial Corporation.

Free Online Bill Payment Service is not intended for use by commercial and institutional clients with annual sales exceeding $10 million.

Web access is needed to use Mobile Banking. Check with your service provider for details on specific fees and charges. Mobile Deposit is available only in the U.S. and U.S. Territories.

Disclaimer: Capital One received the highest numerical score among nine banks in the Northeast region in the J.D. Power 2016 U.S. Small Business Banking Satisfaction Study, based on 8,159 total responses, measuring the opinions of small business customers with annual revenues of $100,000-$10 million, surveyed June-August 2016. Your experiences may vary. Visit jdpower.com

Digital Spark Business Checking accounts can only be opened online and cannot be opened by customers by telephone, facsimile, or by visiting a branch. Digital Spark Business Checking accounts are designed for customers with access to online banking and limited cash deposit needs. The account can be accessed at 38,000 fee-free Allpoint ATMs and 2,000 Capital One ATMs. Third-party ATM charges may apply when using an out of network ATM. Free overdraft protection is provided when you link your digital Spark Business Checking account to your Spark Business Savings account.

Please visit Spark Business Checking Terms Conditions for additional information about deposit limits and fees.

Spark Business Savings accounts can only be opened online and cannot be opened by customers by telephone, facsimile, or by visiting a branch.

Earn 1.00% APY Offer: Offer begins June 8, 2016 and expires December 31, 2017. Offer is strictly non-transferable. Void where prohibited. The promotional Annual Percentage Yield (APY) applies to the first $1,000,000 in account balances and is available to new accounts only. All portions of balances over $1,000,000 will earn the standard rate. To qualify, you must open a new Capital One Spark Business Savings Account between June 8, 2016 and December 31, 2017. Advertised APY is current as of June 8, 2016. Promotional rate will expire 365 days after account opening. Upon expiration, the standard interest rate in effect as of that date will apply to the entire balance. Standard APY is variable and subject to change at any time without notice. Interest on your Spark Business Savings Account is accrued daily and compounded monthly and credited to your available balance. Your account must be open and in good standing to receive the credits. No minimum balance required. This offer cannot be combined with any other Capital One Bank new account opening offer. Limit one promotional Spark Business Savings Account per customer. Promotional interest rates not applicable to converted accounts. Terms and conditions subject to change without notice.

Rate Source: Informa Research Services, 12/05/2016.

Please visit Spark Business Savings Terms Conditions for additional information about deposit limits and fees.

Routine or unscheduled maintenance may impact accessibility.

Spark Business and Capital One Advisors, LLC are affiliated companies of Capital One Financial Corporation. Each are separate legal entities and each is responsible for its own products and services.

401(k) plans offered by Capital One Advisors range from 27% to 58% less than the industry average at various data points from $50K plan with 6 participants to a $100M plan with 2,000 participants based on 401k Averages Book 2013 Data and Custom Benchmarking report prepared for Capital One Advisors (formerly ShareBuilder Advisors). Cost comparisons are based on plan assets and number of participants and reflect core on-going 401(k) plan expenses that a company and/or its employees can expect to incur as a percentage of assets with most any 401(k) plan. This includes administration, recordkeeping, tax filing prep documents, plan testing, fund expense ratios, and other investment costs passed on to every participant to service the plan. It does not include unique employee initiated transactions such as loans, distributions or employer transactions such as plan amendments. ShareBuilder 401K pricing is based off standard pricing rates for a typical ShareBuilder 401K Simplified 401(k) plan.

ShareBuilder 401k is the marketing name for Capital One Advisors, LLC.

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Business – First Capital Bank of Kentucky – Louisville, KY #opening #a #business

#business first louisville


Allow the business expertise of First Capital Bank to be your most important financial resource. We work with our clients to develop a keen understanding of their businesses and personal lives, as they are often closely interwoven. We can then evaluate financial hurdles and opportunities intelligently, recommending solutions that make sense on a personal and professional level. We respond to our business customers by designing an approach that asks the right questions and provides the solutions necessary to meet the unique needs dictated by today s changing business climate. Allow our experienced, knowledgeable and highly qualified team to provide you with the most responsive financial products and services available to you and your business. Check out our options, use our helpful financial tools, and schedule a visit with us today. We re eager to help you get started.

Contact Us

Thank you for your interest in First Capital Bank of Kentucky. We strive to make ourselves available to you, via email, telephone, postal mail and in person at any of our branch locations. or use the secure form found on our Contact Us page.

First Capital Bank of Kentucky
293 N. Hubbards Lane
Louisville, KY 40207

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Comstock s magazine – Business insight for California s Capital Region #business #insurance #companies

#sacramento business journal



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In The Penalty

Dominik Jakubek, one of two goalkeepers for Sacramento Republic FC, makes a diving save on a shot during practice at Bonney Field. Jakubek joined the franchise as an original member in 2014. He was 34 years old when he was signed.

Sep 2, 2016 Sena Christian

From Corporate Jobs to Brewery Owners

Proprietors of Big Stump Brewing Company juggle traditional careers with new venture

The phrase “typical day” is not one Larissa Meltz and Alex Larrabee have uttered recently and, as they get closer to their expected Labor Day weekend opening of Big Stump Brewing Company at 1716 L St. in Midtown Sacramento, their schedules will likely only get busier.

Sep 2, 2016 Jennifer Snyder

SacAnime and the Rise of the Pop-Culture Convention

Biannual Sacramento anime event takes place Sept. 2-4

While pop-culture conventions may be all the rage these days, that hasn’t always been the case.

Sep 1, 2016 Willie Clark

Buzzwords: Hardball

To be uncompromising in your methods or dealings, especially in business of politics

So while the word — and the practice — might make you roll your eyes, playing hardball can be useful and even necessary when the stakes are high. But please, use sparingly both verbally and in action.

Sep 1, 2016 Robin Epley

Trending on Twitter

Sightings Happenings Around Town

Volunteer with Unseen Heroes

Net Numbers

Raised for Glory

Poll: Are Your Bosses Expectations Too High?

Farm to Fan

Youth Sports Should be a Kid’s Game

Dilemma of the Month: Unrealistic Performance Goals

Why Connecting with Strangers on Social Media May Not be Smart

Farm-to-Fork Offers Veggie-Studded Lineup

Knock it Off

Game Face

Healthy Competition Builds A Gold-Medal Team

Artists to Take Center Stage at Sacramento Mural Festival

Sacramento to Host California Craft Beer Summit

Buzzword: Placemaking

How Oak Park Promise Vows to Improve the Neighborhood

Encounters with Keepers at the Sacramento Zoo

Rise Up Belize! Aspires to Help Children

Vacation Like a Freelance Boss

Republic FC Relies on Fan Feedback for Stadium Plans

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Welcome to Emantra – Australian Hosting and Cloud Services #cloud, #secure, #gateway, #government, #hosting,



Emantra hosts applications, platforms and infrastructure using the “as a service” model from premier data centres located in Australia. Your choice of physical or virtual machines, and dedicated or multi-tenanted software instances. Delivered through multiple diverse gigabit gateways certified to PROTECTED level to the internet, private network or VPNs. These high-availability services, from full-touch to low-touch, carry a financially backed SLA tailored to your critical requirements. Emantra’s customers, including many government agencies and large corporate entities, are drawn to its agility, service flexibility and the quality of its local care and attention.


As an Australian Cloud Solution Provider partner of Microsoft, Emantra can curate and support your implementation of Office365, Skype for Business, Enterprise Mobility Suite and Azure. From guidance, discovery, benchmarking and recommendation to migration, testing, implementation and ongoing hand-holding at the level you choose. We manage these services using the same skills learned from ten years of private hosting and case study involvement with Microsoft. Partner with Emantra to benefit from the global scale and sophistication of Microsoft’s cloud combined with Australian compliance, productivity enhancements, integration and dedicated local support.


Emantra provides integration and satellite services to customers with a hybrid of on-premise, private hosting and public cloud computing resources. We design, implement and support such architectures which achieve goals of simplicity, cost saving, and reliability. Our services can largely replace your in-house IT cost centre, or help you rationalise its ongoing role. From a user perspective, the best hybrid solutions are invisible. Careful attention is therefore required to access and identity management, rights management and the integration of diverse resources in a secure manner. This is a new and developing field, one where Emantra is building a leading Australian capability.

Full Service Hosting

Emantra has the skills and perspective gained as an enterprise hosting practitioner for ten years. We now bring that experience to bear in the public cloud arena.
Full service hosting means that we are able to exploit the best of both technologies to deliver your optimal solution. Few others can do this. Emantra’s services are utilised directly by customers or channelled through some of the largest system integrators, developers, and SaaS software vendors in the country. We are privately owned and proudly Australian. We invest in local jobs, facilities and suppliers. Read below about some of our featured services or call us on 1300 728 953 anytime for more information. Initial consultations are always free and without obligation.

Featured Services

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