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How to Become a Specialized Small Business Investment Company, small business investment company.#Small #business

How to Become a Specialized Small Business Investment Company

Small business investment company

Diversified and non-diversified investment companies offer different investment strategies.

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A small business investment company invests in businesses that have exhibited a certain level of competence and stability, but that lack the funds necessary to grow to the next level. Making such investments is intrinsically risky, as the businesses in which investment companies put their money always face the possibility of failure. For this reason, a small business investment company must perform extensive research and take only calculated risks. It must also specialize in specific industries to ensure that it has the expertise to effectively carry out such research. Forming a small business investment company involves several necessary steps.

1. Write a business plan for your specialized small business investment company. Describe the industry and types of companies you plan on investing in, and explain why doing so is potentially lucrative. Include market statistics and describe why this sector offers significant growth potential. Specialize in an industry or business type in which you have some experience and understanding. Some examples could be personal service franchises, food service franchises, construction contractor businesses or freight companies.

2. Raise the capital necessary for your business. While many entrepreneurs may fund their businesses by borrowing cash from business lenders, this is not usually an option for investment firms. If you already have substantial assets, this may simply mean that you must dip into your savings or sell off various non-liquid assets that you own. However, if such personal assets are not sufficient, consider forming a partnership or corporation, which involves convincing other investors to put money toward your venture.

3. Establish a business presence. The two most important aspects are setting up an office and creating a company website. Since you serve a very targeted market, the immediate visibility that expensive storefront-style locations provide is not very important. Place your headquarters in an office building instead. Purchase the necessary office equipment, such as desks, computers and a conference table. Purchase a projector or large monitor for the conference room for presentations. On the website, detail the size, location and industry requirements for small businesses that may seek capital from your firm.

4. Hire professionals who have skills in the necessary areas. Business and financial analysts are key to the operations of a small business investment firm. You may also need someone to serve as a receptionist and secretary.

5. Become a licensed Small Business Investment Company (SBIC) with the Small Business Administration (SBA). Doing so increases your exposure to investment opportunities by allowing you to work through the SBA. The necessary application forms are on the SBA website. Read all of the requirements that the Administration maintains for SBICs before you submit your application.

6. Become a member of the National Association of Small Business Investment Companies (see the Reference section). This membership allows you to benefit from industry representation in political arenas, networking and educational opportunities, industry publications and discounted products and services.

7. Market your investment services. While you may see some success through general advertising, a more effective method of marketing may be to network through your local chamber of commerce and community organizations.


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What is a Small Business Investment Company, small business investment company.#Small #business #investment #company


What is a Small Business Investment Company (SBIC)?

Small business investment company

Small Business Investment Company (SBIC)

A small business investment company is a private lending company which is licensed and regulated by the Small Business Administration (SBA). SBIC s offer venture capital financing to higher-risk small businesses, and SBIC loans are guaranteed by the SBA.An added advantage of SBIC s for small businesses is that, in addition to funding small business growth and more jobs, SBIC s offer management expertise and assistance to companies.

SBICs use a combination of funds raised from private sources and money raised through the use of SBA guarantees to make equity and capital investments in small businesses.

At the end of FY 2011, SBA had over $8.2 billion invested in 299 funds. Together with private capital of approximately $8.8 billion, the program totals over $17 billion in capital resources dedicated to America’s entrepreneurs.

The mission of the SBIC program is:

stimulating and supplementing the flow of private equity capital and long term loan funds for the sound financing, growth, expansion and modernization of small business operations while insuring the maximum participation of private financing sources

Qualifying for SBIC financing

To qualify for financing from an SBIC your business must meet the following criteria:

  • You must be a small business as defined by the SBA: businesses with tangible net worth of less than $18 million AND an average of $6 million in net income or less over the previous two years at the time of investment.
  • Your business cannot engage in foreign activities, and
  • Your business cannot be a prohibited business (re-lenders or re-investors; passive businesses; most real estate businesses; farmland; project financings, or businesses contrary to the public interest.)

Types of Financing

SBIC s may provide loans, equity, or a combination, depending on the circumstances.

SBIC s typically look for profitable businesses with sufficient cash flow to pay asPresensociated interest. If your business is not profitable, you would probably need sufficient revenue to qualify for SBIC financing.

Working with an SBIC

The SBA describes the steps in finding an SBIC:

1. Research SBIC s to find one whose investment goals fit with your small business plans.

2. Create a business plan for your meeting with an SBIC.

3. Present your business plan and proposal for SBIC financing. Before you present a plan, get information on the specific SBIC you want to approach, and try to establish a connection with that company.

For More Information about SBIC Lending

The SBIC section of the SBA website has information on SBIC lending, including a list of SBIC s on the SBA website.

What if My Business Doesn t Qualify for SBIC investment?

You may still be eligible for one of a number of SBA loan programs, including their signature 7(a) loan.


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Two Types of Investments in a Small Business, small business investment company.#Small #business #investment

Two Types of Investments You Can Make In a Small Business

Small business investment company

Investing in a small business has, is, and most likely will always be one of the most popular ways individuals and families begin their journey to financial independence; a way to create, nurture, and grow an asset that, when intelligently run under the right conditions, throws off surplus cash to provide not only a good standard of living, but to fund other investments. Still, it isn t uncommon, at least in nations with an entrepreneurial history such as the United States, for a small business owner to have never owned a publicly traded share of stock or a mutual fund, opting, instead, to put everything into their own restaurant, dry cleaning business, lawn care business, or sporting goods store.

Frequently, this small business grows to represent the most important financial resource the family owns, other than their primary residence.

Today, small business investments are often structured as either a limited liability company or a limited partnership, with the former being the most popular structure due to the fact it combines many of the best attributes of corporations and partnerships. In years past, sole proprietorships or general partnerships were more popular, even though they provide no protection for the owners personal assets outside of the company.

Whether you are considering investing in a small business by founding one from scratch or buying into an existing company, there are typically only two types of positions you can take: Equity or Debt. Though there may be countless variations, all investments come back to those two foundations.

Equity Investments in Small Businesses

When you make an equity investment in a small business, you are buying an ownership stake – a piece of the pie .

Equity investors provide capital, almost always in the form of cash, in exchange for a percentage of the profits and losses. The business can use this cash for a variety of things, including funding capital expenditures to expand, running daily operations, reducing debt, buying out other owners, building liquidity, or hiring new employees.

In some cases, the percentage of the business the investor receives is proportional to the total capital he or she provides. For example, if you kick in $100,000 in cash and other investors kick in $900,000, totaling $1,000,000, you might expect 10% of any profits or losses because you provided 1/10th of the total money. In other cases, especially when dealing with an established business or one put together by a key manager, this would not be the case. Consider the investment partnerships Warren Buffett ran in his 20 s and 30 s. He had limited partners contribute nearly all of the capital, but profits were split 75% to limited partners, in proportion to their overall share of the capital, and 25% to him as the general partner, despite having put up very little of his own money. The limited partners were fine with this arrangement because Buffett was providing expertise.

An equity investment in a small business can result in the biggest gains, but it comes hand-in-hand with the most risk. If expenses run higher than sales, the losses get assigned to you. A bad quarter, or year, and you might see the company fail or even go bankrupt. However, if things go well, your returns can be enormous.

Virtually all of the research on millionaires in the United States shows that the single biggest classification of millionaires are self-made business owners. Statistically, if you want to rank among the top 1% of wealth, owning a profitable business in a niche market that churns out dividends each year is your best chance.

Debt Investments in Small Businesses

When you make a debt investment in a small business, you loan it money in exchange for the promise of interest income and eventual repayment of the principal. Debt capital is most often provided either in the form of direct loans with regular amortization or the purchase of bonds issued by the business, which provide semi-annual interest payments mailed to the bondholder.

The biggest advantage of debt is that it has a privileged place in the capitalization structure.

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That means if the company goes bust, the debt has priority over the stockholders (the equity investors). Generally speaking, the highest level of debt is a first mortgage secured bond that has a lien on a specific piece of valuable property or an asset, such as a brand name. For example, if you loan money to an ice cream shop and are given a lien on the real estate and building, you can foreclose upon it in the event the company implodes. It may take time, effort, and money, but you should be able to recover whatever net proceeds you can get from the sale of the underlying property that you confiscate. The lowest level of debt is known as a debenture, which is a debt not secured by any specific asset but, rather, but the company s good name and credit.

Which Is Better: An Equity Investment or a Debt Investment?

As with many things in life and business, there is no simple answer to this question. If you had been an early investor in McDonald s and bought equity, you d be rich. If you had bought bonds, making a debt investment, you would have earned a decent, but by no means spectacular, return on your money. On the other hand, if you buy into a business that fails, your best chance to escape unscathed is to own the debt, not the equity.

All of this is further complicated by an observation that famed value investor Benjamin Graham made in his seminal work, Security Analysis. Namely, that equity in a business that is debt-free cannot pose any greater risk than a debt investment in the same firm because, in both cases, the person would be first in line in the capitalization structure.

The Preferred Equity Debt Hybrid

Sometimes, small business investments straddle the ground between equity investments and debt investments, modeling preferred stock. Far from offering the best of both worlds, preferred stock seems to combine the worst features of both equity and debt; namely, the limited upside potential of debt, with the lower capitalization rank of equity. There are always exceptions to the rule. To learn more about preferred stock, read The Many Flavors of Preferred Stock.


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What is a Small Business Investment Company, small business investment company.#Small #business #investment #company


What is a Small Business Investment Company (SBIC)?

Small business investment company

Small Business Investment Company (SBIC)

A small business investment company is a private lending company which is licensed and regulated by the Small Business Administration (SBA). SBIC s offer venture capital financing to higher-risk small businesses, and SBIC loans are guaranteed by the SBA.An added advantage of SBIC s for small businesses is that, in addition to funding small business growth and more jobs, SBIC s offer management expertise and assistance to companies.

SBICs use a combination of funds raised from private sources and money raised through the use of SBA guarantees to make equity and capital investments in small businesses.

At the end of FY 2011, SBA had over $8.2 billion invested in 299 funds. Together with private capital of approximately $8.8 billion, the program totals over $17 billion in capital resources dedicated to America’s entrepreneurs.

The mission of the SBIC program is:

stimulating and supplementing the flow of private equity capital and long term loan funds for the sound financing, growth, expansion and modernization of small business operations while insuring the maximum participation of private financing sources

Qualifying for SBIC financing

To qualify for financing from an SBIC your business must meet the following criteria:

  • You must be a small business as defined by the SBA: businesses with tangible net worth of less than $18 million AND an average of $6 million in net income or less over the previous two years at the time of investment.
  • Your business cannot engage in foreign activities, and
  • Your business cannot be a prohibited business (re-lenders or re-investors; passive businesses; most real estate businesses; farmland; project financings, or businesses contrary to the public interest.)

Types of Financing

SBIC s may provide loans, equity, or a combination, depending on the circumstances.

SBIC s typically look for profitable businesses with sufficient cash flow to pay asPresensociated interest. If your business is not profitable, you would probably need sufficient revenue to qualify for SBIC financing.

Working with an SBIC

The SBA describes the steps in finding an SBIC:

1. Research SBIC s to find one whose investment goals fit with your small business plans.

2. Create a business plan for your meeting with an SBIC.

3. Present your business plan and proposal for SBIC financing. Before you present a plan, get information on the specific SBIC you want to approach, and try to establish a connection with that company.

For More Information about SBIC Lending

The SBIC section of the SBA website has information on SBIC lending, including a list of SBIC s on the SBA website.

What if My Business Doesn t Qualify for SBIC investment?

You may still be eligible for one of a number of SBA loan programs, including their signature 7(a) loan.


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Business News – China Economy – Company – China Daily #business #loans #bad #credit


#china business

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Over 700 Chinese companies take part in 2016 IFA consumer electronics fair20:59 B20 summit starts in China’s Hangzhou20:33
UK expert: China will share its prosperity with the world19:53 China’s opening drive benefits all countries: Xi18:31
Stronger China-ASEAN cooperation benefits regional growth, peace, prosperity: Indonesian official17:26 China’s reform and opening-up a great process: Xi16:04
Xi’an launches China-Europe freight train service to Hamburg15:09 G20 Hangzhou summit reflects global recognition of China’s economic success: Russian economist15:08

Over 700 Chinese companies take part in 2016 IFA consumer electronics fair

Indonesian president calls on Jack Ma as economic advisor

VR brings thrills, pressure to entertainment industry

Commemorative G20 stamps a hit at media center

Top 10 trends in China’s internet development

Children explore science and technology at museum in Guangdong

Media center of G20 summit in Hangzhou

The mega merger between the top two ride-hailing service providers in China may hit a roadblock as the country’s antitrust watchdog says it is investigating the case.

European businessmen are considering buying stakes in more Chinese private companies and are calling for the necessary market-oriented reforms.

Home buyers will be required to submit fewer documents when withdrawing housing provident funds to buy apartments in Beijing, according to a circular.

The world was surprised by China’s double digit GDP growth since the opening-up in 1970s, but that economic path no longer fits the current situation in China, Wang Yiming, deputy director of the development research center of the State Council, said in an article published in the People’s Daily on Monday.

China’s Belt and Road Initiative offers promising opportunities for Sany Group to expand its global market, said president of Sany, the largest machinery manufacturer by revenue in China.

China’s major manufacturers of self-balancing scooters, also called hoverboards, formed a sector branch on Tuesday under the China Chamber of Commerce for Import and Export of Machinery and Electronic Products, aiming to build group and international standards to reenter the US market.

BYD Co Ltd, a major Chinese new energy vehicle manufacturer, posted a first-half profit increase of 384 percent to 2.26 billion yuan ($342 million) compared to the same period last year, mainly due to the increase in its new energy vehicle business.

Baidu unveiled its latest plans in the burgeoning field of artificial intelligence, including “Baidu Brain”, which simulates the human brain with computer technology, and a partnership with Nvidia Corp to develop driver-less vehicles.


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BusinessCar – Fleet and Company Car Hire News & Reviews #business #to #business


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Incorporating a Company #business #card #template


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Incorporating a Company

Articles of Incorporation

The Name

The articles of incorporation must set out the name of the corporation. Unless one wishes a numbered corporate name, a name should be approved prior to incorporation. All names must end with “Limited,” “Corporation,” “Inc.”, etc. See Corporate Name Approval .

The Registered Office

The location of the registered office must be stated in the articles. The street address need only to be stated in the Notice of Registered Office Form 3. (40 KB)

Class and Maximum Number of Shares

The principal function of authorized capital is to restrict the directors’ discretion to issue shares. While it is not necessary to place an upward limit on the number of shares that the directors of a corporation can issue, it is still possible to place a maximum number on them. The shares are to be without nominal or par value.

  • Common shares: this class of shares is usually free from conditions.
  • Preferred shares: this class bears special rights or restrictions with respect to voting, dividends and distributions on liquidation. This may include issuing dividends to preferred shareholders before issuing them to common shareholders.

Directors

There is no limit on the maximum number of directors permitted. Not-for-profit entities must have a minimum of three directors. Directors must be the age of majority which is 19. Form 6. (232 KB)

Restrictions if Any on Transfer Shares

Substantial advantages may be available to private companies by indicating in the articles that the corporation shall not have more than 50 shareholders subscribe for shares. This provision is a Securities Act requirement. Other provisions may include pre-emptive rights, restrictions on transfer of shares, etc.

Restrictions if Any on Business the Corporation May Carry On

This provision in the articles is optional, with the exception of corporations without share capital, which must file a Schedule A (8 KB) and a Schedule B. (4 KB)

Other Provisions, if Any

This section in the articles is optional with the exception of corporations without share capital who must file Schedule “B” which is referenced in this section.

Incorporators

The articles of incorporation can be submitted by a person known as the incorporator. If a body corporate is acting as an incorporator that company must be in good standing before the new entity can be incorporated.

By-laws

By-laws are not required to be submitted with the articles of incorporation.

Business Taxation

Newfoundland and Labrador has one of the most favourable business tax climates in Canada. Our Corporate Income Tax rates are amongst the lowest in the country. Refer to the Department of Finance for more information.

Fees

Schedule of fees (70 KB) Prescribed by the Minister of Service NL for the Registry of Companies.

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Own Your Own Direct Selling Company With K – B Small Business Opportunities and

#small business ideas for women

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Explore one of the best business ideas for women

In Kaeser & Blair, I not only found a lifelong business partner, but I discovered one of the best small business ideas around!

I looked at a lot of business ideas for women, but none of them were appealing to me. Kaeser & Blair offers you the ability to make a substantial income while owning your own business and selling awesome products. What could be better than that?

The best small business ideas can be found with Kaeser & Blair

Many companies – direct sale companies in particular – promote themselves as being good business ideas for women. They may offer the ability to sell products that women typically enjoy selling, or offer flexibility and freedom that allow women to work around a hectic schedule or diverse set of priorities. Many of these small business ideas sound great, but just don’t deliver on their promises.

Kaeser & Blair business owners
discuss how to make extra money.

Kaeser & Blair is different. K
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How to Form a Corporation or LLC – Start Incorporating a Company #business #stationery


#incorporating a business

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How to Incorporate or Form an LLC

incorporate.com makes it easy for you to form a corporation or Limited Liability Company (LLC ) in any state. Most small business owners decide to incorporate to protect personal assets, gain credibility, and save on taxes.

How Do I Incorporate?

To get started incorporating a company, follow these simple steps below:

  1. Decide to incorporate. Before you set up a corporation, it’s important to understand the benefits of incorporating or forming an LLC. Knowing just what incorporating entails for you as a business owner – including financial and administrative expectations which may need to be reported periodically – can help you decide if incorporating is the right move for your company right now.
  • Select incorporate.com. It’s simple to form a corporation online. Rather than sift through endless piles of complicated paperwork and confusing terminology, we have helped countless businesses through the process of incorporation. Our thorough understanding of incorporation practices nationwide can assist you with making the process of forming a corporation as painless as possible.Learn why we think you will benefit from our services.
  • Choose a business structure. If you’re wondering, “Just how do I incorporate my business,” we will help guide you through the process and let you know what sort of business structure may best suit your needs of your corporation start up. C Corps, S Corps, and LLCs all provide different benefits. We can describe the differences which may help you choose the best structure for your company’s current needs and anything that arises in the future. Need more information about the differences between business structures? Check out our Business Comparison Chart .
  • Choose a state. Once you’ve decided that it’s time to start your own corporation, depending upon your company’s needs, you may want to incorporate in a state other than the one where your business currently resides. Additionally, some states have strict guidelines around unique names for corporations. When registering your corporation, we can help with naming that follows state guidelines. Get more information about choosing a state in which to start a corporation.
  • Choose a package. With a firm grasp of the options various company structures and states provide when forming or setting up a corporation, you’re well on your way to carving out a well-planned future for your new business. View our package options and begin incorporating a business online today.
  • Place your order. You can incorporate or form an LLC online or by phone with a Business Specialist at 800-818-6082 (toll-free) or 302-636-5440.
  • What Happens After You Place an Incorporation Order?

    Once you submit an order to start a corporation, we take care of the paperwork for you:

    • We assign your order to a Business Specialist, who will contact you if there are any problems with the preliminary name search.
    • We complete Articles of Incorporation (for a corporation) or Articles of Organization (for an LLC) on your behalf. A few states require us to get your signature on the completed documents before submission. Normally, we submit documents directly to the state.
    • We file your documents with the state in which you wish to start a corporation or an LLC.
    • We forward the state approval notice to you (generally within 5-10 business days, although turnaround times vary by state).

    Ready to Incorporate or Form an LLC? Check Pricing


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    Business Travel Company, Corporate Travel Management Services – CT Business Travel #small #business #lending


    #business travel

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    Welcome to CT Business Travel

    CT Business Travel has become one of the UK’s leading corporate travel management companies. providing outstanding service is at the company’s core and this is reflected in our impressive portfolio of clients who continue to use and value our services year in, year out.

    At CT Business Travel we continuously invest in our teams and technology to allow us to provide an unparalleled Corporate Travel Service. Your account is closely monitored by a dedicated account manager and travel consultant team leader to ensure that your travel policy and expectations are met down to the last detail. Regular review meetings are held between you and our team to ensure you are getting the service and savings you require.

    Our ethos for a
    Modern Traveller

    We don’t ask you for contracts

    We source the best fares and give you the choice

    We focus on personal service and account management

    What We Offer

    Specialists in global business travel management

    Account based bookings – with no tie in

    Negotiated rates with airlines and hotels on your behalf

    Management reporting included as standard

    Enforcement of your travel policies

    Free online booking portal with customised staff controls, reporting and built approval process


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