Tag: Financing

SBA Financing, Access National Bank, sba financing.#Sba #financing


SBA Financing

We value entrepreneurship because we too were founded by a group of entrepreneurs. That’s why we’re passionate about helping start and grow small businesses in our local community. As a preferred Small Business Administration (SBA) lender, our bankers understand your unique needs and are committed to tailoring loan terms to meet your business goals, no matter how ambitious they are.

Our SBA loans include:

  • SBA 7(a) Term Loans
  • 504 Term Loans
  • Express Lines of Credit
  • SBA Veterans Advantage Loans
  • CAPLines
  • International Trade
  • Export Working Capital Loans

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NO BANK GUARANTEE | NOT A DEPOSIT | NOT FDIC INSURED | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY | MAY LOSE VALUE

Capital Fiduciary Advisors, LLC is a Registered Investment Advisor affiliate of Access National Bank. The advisory services offered by Capital Fiduciary Advisors are not offered by Access National Bank, nor is Access National Bank a Registered Investment Advisor. The investments offered by Capital Fiduciary Advisors are not insured by the FDIC or any other agency of the government, are not deposits or other obligations of the bank and involve investment risks, including possible loss of principal.

All Securities and Investment Advisory Services offered through Investment Professionals, Inc. (IPI), a Broker/Dealer, member FINRA/SIPC a Registered Investment Advisor. The investment services offered by IPI under the name Access Investment Services are not offered by Access National Bank nor is Access National Bank a registered broker/dealer. Access National Bank is not affiliated with IPI.

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Government Small Business Loans, sba financing.#Sba #financing


Government Small Business Loans

Government small business loans help put your own business within reach. First there’s the quest for a decent location, then comes building a customer base, followed by all the initial hiccups of generating a cash flow before your business grows roots and gains momentum. The beginning of a business is crucial because it’s when you gain or lose market credibility. If you disappoint your customers, they may not give you a second chance. If your business gets off to a rocky start (most do), and you believe you can recover but need further financing to make this happen, you can apply for government small business loans.

For-profit lenders are reluctant to issue loans to anyone who does not have a strong credit report and financial history. That is not the case with government small business loans. Obviously, a decent credit report is important, and you will have to follow the guidelines regarding the repayment period and the interest rate set by the government, but usually the interest rates charged by government loans are lower than those you could expect in the private sector.

More about Government Small Business Loans

Government loans are typically offered through banks and credit unions that partner with the Small Business Administration (SBA). The SBA is a U.S. government body, with the motive of providing support for small businesses and entrepreneurs. For each loan authorized, a government-backed guarantee offers serious credibility, since the lender knows that even if you default, the government will pay off the balance. These loans can be applied to a number of uses, such as:

  • Purchase of new equipment, machinery, parts, supplies, etc.
  • Financing leasehold improvements
  • Commercial mortgage on buildings
  • Refinance existing debt
  • Establishing a line of credit

Government small business loans benefit both small businesses and the lending agency. For small businesses, it is beneficial because this is money capital they may not have access too. For banks, the loan’s risk is decreased due to the loan being backed by the SBA.

Different SBA Government Loans

The SBA extends financial help through various lending programs it has to offer. Some of the more popular loans are:

  • 7(a) Loan Guarantee Program: aimed primarily in helping a small business start or expand its services. The maximum size of such a loan is $5 million.
  • MicroLoan Program: mostly used for short-term purposes, such as purchase of goods, office furniture, transportation, computers, etc. The maximum amount is fixed at $50,000.
  • 504 Fixed Asset Program: featuring fixed-rate and long-term financing, these loans are aimed at applicants whose business model will benefit their community directly, either by providing jobs or bringing needed services to an underserved area. Again, the maximum amount is $5 million.
  • Disaster Assistance: under this program, loans are sanctioned to renters or homeowners with a low-interest, long-term plan for the restoration of property to its pre-disaster condition.

In most cases, maintaining a good business credit report is enough to qualify. In addition, it instills confidence not only in the lender, but also in you. There is at least one SBA office in every state in America. If you contact them regarding the startup status of your business model and plan, you can get started on a government small business loan that will give you the financing to make your dreams a reality.


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Small Business: Financing, financing a business.#Financing #a #business


Small Business Financing

Financing a business

State subsidies ignore the real job creators 12:24 AM ET Tue, 20 Oct 2015

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Startup Financing – Small Business Funding, financing a business.#Financing #a #business


Startup Business Financing

Financing a business

Financing a business

Wouldn t you love to have a few million dollars to start your business? Me too! With a great idea and a great business plan, you probably feel almost entitled to get the funding you re seeking.

The reality, though, is that for most entrepreneurs, you must prove your concept first before anyone will put up that kind of money. But most businesses require some sort of initial capital for things like inventory, marketing, physical facilities, incorporation expenses, etc.

According to the U.S. Small Business Administration (SBA), While poor management is cited most frequently as the reason businesses fail, inadequate or ill-timed financing is a close second. Sometimes it comes down to simple cash flow–many companies have closed their doors because they just couldn t make it another few months until the money came in.

When exploring your funding options, there are several factors to consider:

  • Are your needs short-term or long-term? How quickly will you be able to pay back the loan or provide a return on their investment?
  • Is the money for operating expenses or for capital expenditures that will become assets, such as equipment or real estate?
  • Do you need all the money now or in smaller pieces over several months?
  • Are you willing to assume all the risk if your company doesn t succeed, or do you want someone to share the risk?

The answers to these questions will help you prioritize the many funding options available.

  • Debt financing – You borrow the money and agree to pay it back in a particular time frame at a set interest rate. You owe the money whether your venture succeeds or not. Bank loans are what most people typically think of as debt financing, but we will explore many other options below.

  • Equity financing – You sell partial ownership of your company in exchange for cash. The investors assume all (or most) of the risk–if the company fails, they lose their money. But if it succeeds, they typically make a much greater return on their investment than interest rates. In other words, equity financing is far more expensive if your company is successful, but far less expensive if it isn t.

Because investors take on a much higher risk than lenders, they are typically far more involved in your company. This can be a mixed blessing. They will likely offer advice and connections to help grow your business. But if their plan is to exit your company in 2-3 years with a substantial return on their investment, and your motivation is the long-term sustainable growth of the company, you may find yourself at odds with them as the company grows. Be careful not to give up too much control of your company.

Let s take a closer look at the many options available for startups.

Friends and family are still your best source for both loans and equity deals. They are typically less stringent regarding your credit and their expected return on investment. One caveat: structure the deal with the same legal rigor you would with anyone else or it may create problems down the road when you look for additional financing.

Prepare a business plan and formal documents–you ll both feel better, and it s good practice for later.

Credit cards are a great tool for cash flow management, assuming you use them just for that and not for long-term financing. Keep one or two cards with no balance on it and pay it off every month to give yourself a 30 to 60-day float with no interest. And the low introductory rates on some cards make them some of the cheapest money around. Managed well, they re extremely effective; managed poorly, they re extremely expensive.

Bank loans come in all shapes and sizes, from microloans of a few hundred dollars, typically offered by local community banks, to six-figure loans by major national banks. These are much easier to obtain when backed by assets (home equity or an IRA) or third-party guarantors (e.g., government-sponsored SBA loans or a cosigner).

If you obtain a line of credit rather than a fixed-amount loan, you don t start paying interest until you actually spend the money.

Leasing is the way to go if you need big-ticket items such as equipment, vehicles, or even computers. Your supplier will help you explore this.

Angel investors fill the gap between friends and family and venture capitalists, who now rarely even look at investments below $1 million. Enlist a savvy financial adviser to structure the deal.

Private lending represents a viable alternative when the bank says no . Private lenders are looking for the same information and will conduct similar due diligence as the banks, but they typically specialize in an industry and are more willing to take on higher-risk loans if they see the potential.

There are many channels available to you to raise capital. All of the above approaches have numerous variations. Put together a solid business plan, talk to a financial adviser, and just start asking. Someone will eventually say Yes .


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Financing a business#Financing #a #business


Financing a Business

There are various forms of funding for you to consider when starting or growing a business. From outside investment to using your own funds, this section outlines some of the benefits and pitfalls of each option, and walks you through the steps to get funded.

Financing a business

How much do you need to sell to cover your costs and start making money? Find out with this popular financial tool.

Financing a business

Learn how to deliver a winning business plan pitch to help you secure funding for your idea!

Financing a business

Learn what numbers you need to know and investors want to see when presenting your business plan.

Financing a business

Review the pros and cons of venture capital, angel investors, commercial loans, and other financing options.

Financing your Start up Business

Decisions regarding how you finance your business should be taken very seriously as it is one of the most critical decisions you will make at the start-up phase and forms a key part of any business plan. When considering the different financing options, you need to spend some time learning about the conditions that come [. ]

Elevator Pitch Part 1: Personalize

(Reposted with permission from Planning Startups Stories) If you can t say it in 60 seconds, you have a problem. Your strategy isn t clear enough. Nowadays we call it the elevator pitch, meaning a quick description of the business that you could do in the time you share with a stranger in an elevator. It s becoming [. ]

Sales Forecasting

The Sales Forecast Sales forecasting is an integral part of business planning. I have written on the subject of sales forecasting a number of times in the past. However, for many of us, we are now dealing with a level of uncertainty we have not encountered previously in our lifetimes. As a result, some managers [. ]

The Business Pitch

The pitch The use of phrases such as ‘business pitch’, ‘elevator pitch’ and ‘video pitch’ have grown in popularity in recent months. But what are these terms and what do they mean for entrepreneurs? This short article describes the concept of pitching in detail, as well as recommending some tips for those needing to pitch [. ]

An Inconvenient Truth – Lessons for Entrepreneurs

I recently watched Al Gore’s documentary, An Inconvenient Truth, and found it compelling viewing. It is an excellent production and helped shine a powerful spotlight on climate change, the challenges we face and some steps we can take to reduce the effects we are causing[1]. It painted a very bleak picture for the future of [. ]

Top 10 Business Plan Mistakes to Avoid

Business Plan Mistakes The importance of business planning is widely documented; however, guidance as to what constitutes good business planning is less clearly defined. This article aims to redress that imbalance by describing 10 of the most common mistakes that occur in business plans. While the business-planning process is in itself a very worthwhile pursuit, [. ]

Delivering a winning business plan pitch

After a business plan has been written, the next stage often involves pitching the plan to prospective investors. This very fact means that the plan authors and management team should be one and the same and that ‘outsourcing’ the business plan writing process should not be considered. It is not just the content of the [. ]

Dragons Master Class the numbers you need to know!

Those familiar with the BBC2 show Dragons’ Den will be all too aware of the following scene. The entrepreneur is tasked with presenting his business plan to a panel of investors (i.e., the Dragons). The business plan pitch is going well, and then one of the dragons asks the simplest of questions, ”What was your [. ]

Do You Need Funding

Most businesses need financing. Cash flow is different than profits, so profits don’t guarantee money in the bank. There’s financing needed to manage starting costs, stock waiting to get paid, and other factors. Much of that is what we lump together as “working capital.” Most people think of financing as debt, borrowed money. In this [. ]

Securing Venture Capital Funding for Your Business

We do have some tips and suggestions. You probably know all of this already, but here are some refresher tips: Polish your business plan. Reread the executive summary, management team, competitive edge, and financials. If you re operating in Internet space, in the present market, make sure you are generating traffic and focusing on the ability [. ]


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New Business Leasing, New Business Financing, Start Up, Allstate Capital, new business financing.#New #business

New Business Leasing, New Business Financing, Start Up Leasing.

We offer several start up new business leasing, and start up new business financing, programs that are available to customers with excellent personal credit to difficult credit profiles in most industries. For our premium new business leasing programs, new business financing programs. All owners listed should have excellent credit, as listed on our credit page, and must sign personal guarantees. The equipment type and industry cannot be on the prohibited list and will usually need to meet the following criteria as well:

  1. Start Up New Business may be home based for small orders
  2. Site Inspections will be required
  3. Start Up New Business must be properly formed with the Secretary of State
  4. Start Up New Business must have a bank account that is under the business name and meets the minimum bankingrequirements. Other bankingrequirements may apply.
  5. New Business plan with resumes and sources and uses of funds may be required.
  6. Equipment must be relevant to the type of business applying for the lease
  7. Financial package may be required
  8. Other information may be required
  9. Cross-collateralized programs are available

Apply Now! Our national account and franchisor / franchisee start up new business leasing programs can exceed $150,000! We can go higher with excellent financial information that supports the dollar amount of the transaction requested. All of the above criteria is subject to equipment, credit, and industry review on a case-by-case basis.


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Beyond the Bank Loan: 6 Alternative Financing Methods for Startups, financing a small business.#Financing

Beyond the Bank Loan: 6 Alternative Financing Methods for Startups

Many aspiring entrepreneurs have an idea for their business but lack the capital to actually start it. Brand-new businesses are often turned down for bank loans, and even if your business is established, funds can still be tough to secure. Loans funded by the Small Business Administration are usually more accessible, but they are becoming increasingly competitive.

So what options are left for someone aspiring to be a small business owner? Here are six options beyond bank loans for financing your startup.

Online lending

Online lenders have become a popular alternative to traditional business loans. These platforms have the advantage of speed, as an application takes only about an hour to complete, and the decision and accompanying funds can be issued within days. Because of the ease and quickness of online lending, economist and former U.S. Treasury Secretary Larry Summers said at the 2015 Lend It conference that he expects online lenders to eventually reach more than 70 percent of small businesses.

Editor s note: Are you considering a small business loan for your business? If you re looking for information to help you choose the one that s right for you, use the questionnaire below to have our sister site BuyerZone provide you with information from a variety of vendors for free:

Angel investors

Angel investors invest in early-stage or startup companies in exchange for a 20 to 25 percent return on their investment. They have helped to start up many prominent companies, including Google and Costco. Mark DiSalvo, CEO of private equity fund provider Semaphore said, You are likely to get an investor who has strategic experience, so they can provide tactical benefit to the company they are investing in.

Find out what makes angel investors fund a business here.

Venture capitalists

Venture capital is money that is given to help build new startups that are considered to have both high-growth and high-risk potential. Fast-growth companies with an exit strategy already in place can gain up to tens of millions of dollars that can be used to invest, network and grow their company frequently.

Brian Haughey, assistant professor of finance and director of the investment center at Marist College, said that because venture capitalists focus on specific industries, they can generally offer advice to entrepreneurs on whether the product will be successful or what they need to do to bring it to market. However, venture capitalists have a short leash when it comes to company loyalty and often look to recover their investment within a three- to five-year time window, he said.

Learn more about venture capital here.

Factoring/invoice advances

Through this process, a service provider will front you the money on invoices that have been billed out, which you then pay back once the customer has settled the bill. This way, the business can grow by providing the funds necessary to keep it going while waiting for customers to pay for outstanding invoices.

Eyal Shinar, CEO of small business cash flow management company Fundbox, says these advances allow companies to close the pay gap between billed work and payments to suppliers and contractors.

By closing the pay gap, companies can accept new projects more quickly, Shinar told Business News Daily. Our goal is to help business owners grow their businesses and hire new workers by ensuring steady cash flow.

Visit BND s guide to choosing a factoring service here.

Crowdfunding

Crowdfunding on sites such as Kickstarter and Indiegogo can give a boost to financing a small business. These sites allow businesses to pool small investments from a number of investors instead of having to look for a single investment.

Make sure to read the fine print of different crowdfunding sites before making your choice, as some sites have payment-processing fees, or require businesses to raise their full stated goal in order to keep any of the money raised.

Check out some emerging trends in crowdfunding here.

Grants

Businesses focused on science or research may be able to get grants from the government. The SBA offers grants through the Small Business Innovation Research (SBIR) and Small Business Technology Transfer (STTR) programs. Recipients of these grants are required to meet federal research-and-development goals, and have a high potential for commercialization.

Learn more about applying for a small business grant here.

Additional reporting by Katherine Arline and Nicole Taylor. Some source interviews were conducted for a previous version of this article.

Jennifer Post graduated from Rowan University in 2012 with a Bachelor s Degree in Journalism. Having worked in the food industry, print and online journalism, and marketing, she is now a freelance contributor for Business News Daily. When she s not working, you will find her exploring her current town of Cape May, NJ or binge watching Pretty Little Liars for the 700th time.


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Business Financing With Bad Credit – Payday Loans Online, business financing.#Business #financing


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Beyond the Bank Loan: 6 Alternative Financing Methods for Startups, business financing.#Business #financing


Beyond the Bank Loan: 6 Alternative Financing Methods for Startups

Many aspiring entrepreneurs have an idea for their business but lack the capital to actually start it. Brand-new businesses are often turned down for bank loans, and even if your business is established, funds can still be tough to secure. Loans funded by the Small Business Administration are usually more accessible, but they are becoming increasingly competitive.

So what options are left for someone aspiring to be a small business owner? Here are six options beyond bank loans for financing your startup.

Online lending

Online lenders have become a popular alternative to traditional business loans. These platforms have the advantage of speed, as an application takes only about an hour to complete, and the decision and accompanying funds can be issued within days. Because of the ease and quickness of online lending, economist and former U.S. Treasury Secretary Larry Summers said at the 2015 Lend It conference that he expects online lenders to eventually reach more than 70 percent of small businesses.

Editor s note: Are you considering a small business loan for your business? If you re looking for information to help you choose the one that s right for you, use the questionnaire below to have our sister site BuyerZone provide you with information from a variety of vendors for free:

Angel investors

Angel investors invest in early-stage or startup companies in exchange for a 20 to 25 percent return on their investment. They have helped to start up many prominent companies, including Google and Costco. Mark DiSalvo, CEO of private equity fund provider Semaphore said, You are likely to get an investor who has strategic experience, so they can provide tactical benefit to the company they are investing in.

Find out what makes angel investors fund a business here.

Venture capitalists

Venture capital is money that is given to help build new startups that are considered to have both high-growth and high-risk potential. Fast-growth companies with an exit strategy already in place can gain up to tens of millions of dollars that can be used to invest, network and grow their company frequently.

Brian Haughey, assistant professor of finance and director of the investment center at Marist College, said that because venture capitalists focus on specific industries, they can generally offer advice to entrepreneurs on whether the product will be successful or what they need to do to bring it to market. However, venture capitalists have a short leash when it comes to company loyalty and often look to recover their investment within a three- to five-year time window, he said.

Learn more about venture capital here.

Factoring/invoice advances

Through this process, a service provider will front you the money on invoices that have been billed out, which you then pay back once the customer has settled the bill. This way, the business can grow by providing the funds necessary to keep it going while waiting for customers to pay for outstanding invoices.

Eyal Shinar, CEO of small business cash flow management company Fundbox, says these advances allow companies to close the pay gap between billed work and payments to suppliers and contractors.

By closing the pay gap, companies can accept new projects more quickly, Shinar told Business News Daily. Our goal is to help business owners grow their businesses and hire new workers by ensuring steady cash flow.

Visit BND s guide to choosing a factoring service here.

Crowdfunding

Crowdfunding on sites such as Kickstarter and Indiegogo can give a boost to financing a small business. These sites allow businesses to pool small investments from a number of investors instead of having to look for a single investment.

Make sure to read the fine print of different crowdfunding sites before making your choice, as some sites have payment-processing fees, or require businesses to raise their full stated goal in order to keep any of the money raised.

Check out some emerging trends in crowdfunding here.

Grants

Businesses focused on science or research may be able to get grants from the government. The SBA offers grants through the Small Business Innovation Research (SBIR) and Small Business Technology Transfer (STTR) programs. Recipients of these grants are required to meet federal research-and-development goals, and have a high potential for commercialization.

Learn more about applying for a small business grant here.

Additional reporting by Katherine Arline and Nicole Taylor. Some source interviews were conducted for a previous version of this article.

Jennifer Post graduated from Rowan University in 2012 with a Bachelor s Degree in Journalism. Having worked in the food industry, print and online journalism, and marketing, she is now a freelance contributor for Business News Daily. When she s not working, you will find her exploring her current town of Cape May, NJ or binge watching Pretty Little Liars for the 700th time.


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Small business loans, small business financing.#Small #business #financing


Small business loans

A unique way of helping people who might not qualify for or need a conventional loan

Instead of looking at your credit history and net worth, we look at ambition, character and determination.

We look at what you can achieve through financial literacy.

Microborrowers are

  • Entrepreneurs with great ideas and limited resources
  • People looking to enter a trade or profession
  • Newcomers to Canada who need to build credit history
  • People who need to repair credit history

Microfinance can help

  • Start a business
  • Upgrade education
  • Renew certifications
  • Buy tools equipment to start working

Vancity offers two types of microfinance

Peerloans

If you are a group coming together to support each other through the early stages of a micro-business then have a look at our Circle Lending loan. Also known as Peer Lending, this loan is best suited for people in a shared community.

Circle Lending loans often support kitchen-table businesses, and are great for building local enterprise and credit histories.

If you have recently graduated from trade school or have a job offer in a new field but don’t have the cash to set yourself up with the tools or equipment required then our With These Hands loan will provide some upfront cash to launch you on your way.

If you are a newcomer to Canada and need some help getting back into your previous line of work our Back to Work loan can help.

The loan can support you with the costs of a challenge exam, or cover professional fees.

Microloans

Offered by The Island Chefs Collaborative and FarmFolk CityFolk, in partnership with Vancity, this loan of between $1,000 and $10,000 provides

funds for growers, harvesters and processors to invest in equipment and materials to increase the supply of food in the region.

If you have a great start-up business idea, an entrepreneurial spirit and a business plan then the Be My Own Boss loan may be right for you. You don’t yet need a track record, just the drive to succeed.

If you’re growing food on under 50 acres and need up to $75,000 to develop your operation, we’d like to help.

With your business plan, good character and training or experience, you’re ready to explore the Small Growers loan.

If you’re starting up or expanding your creative enterprise and need up to $75,000 to develop your venture, we’d like to help.

With your business plan, good character and training or experience, you’re ready to explore the By Design loan.

Is your business is in its second or third year of operation? Do you need capital to grow, or a line of credit to ease the cash flow challenges that often come when a business succeeds and expands?

The Next Step loan is for young, healthy businesses that don’t yet qualify for traditional financing.

Have you finished the Aboriginal Business and Entrepreneurial Skills Training (BEST) program and have a great start-up business idea or want to buy or expand an existing business?

The Aboriginal BEST loan can help get your business idea up and running.

We can provide a business loan based on your entrepreneurial drive, the strength of your idea and the potential of your business plan, instead of just your credit history and collateral.

If you are a small-business owner or start-up social enterprise, then the Microloans for Green Businesses will work for you.

If you have an offer of membership from a worker’s co-op, and you want to contribute your full membership share right away, we’d like to help.

The Work-to-Own co-op loan can help you put your equity to work right away.

Contact Vancity’s Microfinance Program Manager

Call us. Small loans can make a big difference.


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