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How to Find the Right SBA Loan for Your Small Business #business #startup #loans

#small business administration loans


How to Find the Right SBA Loan for Your Small Business

Small businesses are the backbone of the U.S. economy: According to data from the 2010 U.S. Census, there are 27.9 million small businesses registered in the United States, employing 120 million people almost half of the nation s workforce.

Part of what the Small Business Administration (SBA) does is help America s small businesses secure the funding they need to operate and grow. As a federal government agency, the SBA does not lend small businesses money directly. Instead, it sets guidelines for loans that are made by its partners, which include banks, credit unions, community development organizations and microlending institutions. The SBA guarantees a portion of these loans granted by these institutions will be repaid, eliminating some of the risk for lenders.

Kale Gaston, head of the SBA Lending Group for TD Bank in Greenville, S.C. said SBA loans do a great job of helping lenders say yes to borrowers. He also noted that SBA programs provide better access to capital and credit enhancement for small business owners. For example, since the SBA guaranty lowers the risk in case of a loan default, lenders are able to provide funding when the down payment available is too low or the business s cash flow is not high enough for traditional options.

SBA lenders can provide longer terms as well. Instead of five or 10 years for a real estate purchase with a balloon payment at the end, the lender can give terms for 25 years, eliminating the balloon (i.e. final payment) or need to refinance every few years, Gaston said. For shorter-term assets, like equipment, terms could go to 10 years instead of the usual three to five years.

SBA loan programs

The SBA s loan programs are designed specifically for small business owners who don t have access to other reasonably termed financing. There are four main types of loan programs:

7(a) loan program: This is the SBA s primary program to help startups and existing small businesses obtain financing. 7(a) loans are the most basic and most commonly used type of loan, as well as the most flexible. The money can be used for a variety of general business purposes, including working capital, machinery and equipment, furniture and fixtures, purchasing or renovating land and buildings, leasehold improvements and debt refinancing. Loan maturity is up to 10 years for working capital and generally up to 25 years for fixed assets. Borrowers can apply through a participating lender institution.

CDC/504 loan program: This program provides businesses with long-term, fixed-rate financing for major assets, such as land and buildings. The loans are typically structured with the SBA providing 40 percent of the total project costs, a participating lender covering up to 50 percent and the borrower putting up the remaining 10 percent. Funds from a 504 loan can be used to purchase existing buildings, land or machinery, and to construct or renovate facilities. These loans cannot be used for working capital or inventory. Under the 504 program, a business qualifies if it has a tangible net worth of less than $15 million and an average net income of $5 million or less after federal income taxes for the two years before application. The maximum amount of a 504 loan is $5 million.

Microloan program: This program offers very small loans to startups, or newly established or growing small businesses. The loans can be used for working capital or the purchase of inventory, supplies, furniture, fixtures, machinery or equipment. The SBA makes funds available to specially designated intermediary lenders, which are nonprofit organizations with experience in lending and technical assistance. Those intermediaries then make loans of up to $50,000, with the average loan being about $13,000. The loan cannot be used to pay existing debts or to purchase real estate.

Disaster loans: The SBA offers this option to businesses that have been affected by a declared disaster. These low-interest loans can be used to repair or replace damaged real estate, personal property, machinery, equipment, inventory and business assets.

Further details on each type of loan program can be found on the SBA s website .

What you ll need to apply

When applying for an SBA loan, you ll need to fill out forms and documents for the specific loan you re trying to get. The SBA also encourages borrowers to gather some basic information that all lenders will ask for, regardless of the loan type. The following items are usually required:

  • Personal background and financial statements
  • Business financial statements
  • Profit-and-loss statement (three years)
  • Current within the last six months
  • List of debts
  • Projected financial statements
  • Business certificate/license
  • Income tax returns
  • R sum s for key team members
  • Business overview and history
  • Business lease

The SBA also advises small businesses applying for a loan to be prepared to answer several questions:

  • Why are you applying for this loan?
  • How will the loan proceeds be used?
  • What assets need to be purchased, and who are your suppliers?
  • What other business debt do you have, and who are your creditors?
  • Who are the members of your management team?

Why your business plan matters

Whether you re a new startup or an established company, the key to a successful application is a well-written business plan .

The business plan not only is the road map that will guide the business from planning to startup to (hopefully) success, but also will show any potential lender that the potential business owner does have a clear view and understanding of the business, how to run it and, most importantly, how the loan will be repaid, David Hall, a public affairs specialist with the SBA in Washington, D.C. said in an email interview with Business News Daily.

Gaston agreed, noting that lenders want to know how knowledgeable you are about your business and the competitive market.

The concept may be great, but what the lender is looking for is that the individual is driven, capable and determined, Gaston said. You really need to understand what you are doing every step of the way and be able to convey that to the lender during the application process.

Hall also recommended that business owners take full advantage of the business planning resources offered by the SBA and its partners, such as SCORE. SBDCs (Small Business Development Centers) and WBCs (Women Business Centers).

Finding a lender

While Gaston acknowledged that applying for an SBA loan is a process, she said working with a lender that has experience can make that process a lot easier. To find experienced SBA lenders in your area, he suggested talking to folks locally in the market and looking for a lender that is part of the SBA s Preferred Lender program. This program gives thousands of lenders per year delegated authority to approve loans based on certain criteria, shortening the time period between application and approval.

You can find SBA lenders by going online at sba.gov. contacting local accountants and attorneys, and looking for lenders with a large local presence. SBDCs also provide document support and lender referrals.

The SBA program drives a tremendous amount of value in the economy, lending approximately $30 billion to small businesses annually, Gaston said. It takes businesses to the next level, is appropriately structured and enables them to be successful.

Additional reporting by Business News Daily contributor Elizabeth Palermo.

With an Associate s Degree in Business Management and nearly twenty years in senior management positions, Marci brings a real life perspective to her articles about business and leadership. She began freelancing in 2012 and became a contributing writer for Business News Daily in 2015.

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What is the SBA Microloan Program?

  • Writing a Business Plan: Tips from the SBA

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  • Company Partners – find business angels, business angel investment, business partner, business funding and

    #business partners


    Business Partners, Business Angels and great business opportunities

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    3 Steps to Find a Business Mentor for Free #business #analyst

    #find a business


    As a newly single person, I get excited when someone asks me out to dinner. Then I hear, “I’m treating!”

    “Wow, that’s promising. Someone really likes me!”

    But, my enthusiasm is dampened when I hear this…

    “I’m treating because I want to pick your brain .”

    Now, at my age, I’m thrilled that anyone wants to pick a piece of my body, but my least favorite part to give away for free is my brain. Isn’t that called intellectual prostitution? I’m whoring my brain away for a filet of salmon.

    Therapists get this all the time. Someone, under the guise of friendship wants you to solve their problems over a cobb salad. Isn’t that why you have an office?

    I understand why I get approached this way. After all, I’m a former standup comic turned speaker and one of the few people who actually gets paid to do what I love — to stand in front of others to entertain and inspire. Most people who consult with me on improving their presentation skills want to learn the necessary steps so they can quit their day job and get paid to speak.

    I know that the comic or speaker who asks me out for a date has good intent, but there’s a better approach to get information than to offer a meal. It’s not like I have a sign on my door that says, “Will consult for food.”

    After all I’m sure you, just like I, have spent a lot of money filling your brain with marketable skills and professional know-how. We’ve gone to college, attended meetings, got CPU credits, not to mention years of therapy to correct a dysfunctional childhood so we can go days without Xanax.

    And you want me to tell you how to get paid to speak for a slice of pizza?

    Now, I do give stuff away. But, it’s usually when someone approaches me with a message that I believe in. Then I don’t even care about the meal. I WANT to help because the person has ENROLLED me in their message. They get a “piece of my mind” and a boatload of my talent when they offer me to be a part of something I believe in.

    I have donated speeches to cancer, children, veterans as well as assisting with writing TED talks for discounted fees because I believe in the message. That’s what happened when Muslim scholar, Dalia Mogahed asked me to write her TED talk, which resulted in over 1.5 million views. I’m proud to be a part of that.

    So, when you need help that you can’t afford, think about how you approach someone. Rather that paying them with a Falafel, know how to enroll someone in your message.

    Here are three steps to enroll a business mentor:

    1. Forget “I” “My” “Me”

    Describe your business without using “I” “My” or “Me.” Rather, describe what you do in terms of the RESULTS you create for OTHERS.

    2. Identify the problems your business solves.

    When Dalia Mogahed came to me, rather than telling me all about herself and the TED talk she wanted to do, she told me of her concerns about the stereotyping and discrimination of Muslims. Although I’m not a Muslim myself, I got fully onboard as I wanted to join her in making a difference.

    3. Clearly state what you want fixed.

    Create a simple statement that contains the problem you want fixed, the audience your business addresses, your credentials to fix the problem and the results you can create.

    Master these simple 3 steps and you will not only enroll a business mentor, but interns, followers and especially customers. The secret to being a successful entrepreneur is that your message is NOT about you and how great it would be to promote your services, while you get paid to speak!

    For tips on how to make a living from speaking go to https://TheMessageOfYou.com

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    Find Local Business Law Attorneys or Law Firms #mobile #business #ideas

    #business lawyer


    Find a Business Law Lawyer or Law Firm by State

    Beginning on the day a new business is launched, it will encounter a host of legal issues. From selecting the optimal business structure to negotiating contracts, from ensuring that the company’s name doesn’t infringe on another business’s intellectual property to hiring new employers–almost everything that small business owners do touches on some aspect of business law. As a company owner or manager, your focus should be on successfully running and building a business. A law firm that focuses on business law will have attorneys who have a broad cross-section of experience on the myriad legal issues that affect all businesses, large and small.

    Find a local Business Law lawyer or law firm using directory below.

    BUSINESS LAW Lawyer and Law Firm Search
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    Looking for Canadian lawyers or law firms? Visit our Canada site!

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    How to Find a Qualified Small Business Advisor #small #business #tools

    #business advisor


    How to Find a Qualified Small Business Advisor

    Business planning, financial projections, employee management, and customer acquisitions are just a few of the issues that small business owners wrestle with. Startups and fast-growing companies have even more challenges — and that’s where a business advisor is most valuable. Whether they’re helping with starting a new business or managing an existing enterprise, small business advisors are seasoned professionals that help with strategic business planning and crucial operational decisions.

    Alas, great small business advisors, like great football coaches, are rare. Here are some tips to finding the perfect small business coach, so you can score a few more touchdowns and experience a lot fewer fumbles:

    1) Look for an advisor who’s managed a small business – Small businesses are a different animal than large corporations. Find a business coach that understands the special challenges of small business, including recruiting and retaining employees, capital funding, product marketing, and keeping up with technology. Additionally, target an advisor who had success with your biggest business challenge. For instance, if your main roadblock is distribution, target an advisor who is a distribution channels expert.

    2) Look for an advisor with credentials – A business advisor doesn’t necessarily need credentials, a special license, or a degree to give his opinion on how you should run your business, but it doesn’t hurt. Because anyone can set up shop as an advisor, look for someone with a business degree, MBA, or other coaching credentials such as CPCP (Certified Professional Coach Program), ACC (Associate Certified Coach), PCC (Professional Certified Coach), or MCC (Master Certified Coach) for added peace of mind that you’re getting good advice.

    3) Choose an advisor who focuses on your niche – An advisor that specializes in your industry will speak your language, understand your business concerns, and know the competitive umbrella your business operates under. If you’re lucky, he’ll have some great industry contacts too.

    4) Find an advisor through SCORE – SCORE Counselors to America’s Small Business is a nonprofit organization whose mission is to educate entrepreneurially-minded individuals nationwide in the creation, growth, and success of small businesses. With over 11,200 volunteers nationwide, SCORE offers free help with small business planning and other advice. Find a SCORE advisor through the website’s handy search function or visit your local SCORE office.

    5) Check out the Worldwide Association of Business Coaches (WABC) – Founded in 1997, the WABC is an international association aimed at the leadership and development of worldwide business coaching. The WABC requires rigorous membership requirements based upon coaching experience, references, and business expertise. With over 1,000 business coaches spanning 30 countries, the WABC is a great advisory resource.

    6) Search BusinessAdviser – BusinessAdviser.com is an independent consultancy international businesses directory. Search by location, firm or specialty.

    7) Ask for referrals – Last but not least, ask your mentors, work associates, and members of social networks who they have used and would recommend in a business advisor capacity.

    Liked this article? We think you will enjoy these recommendations.

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    Find the best Business lawyer near you #free #business #forms

    #business lawyers


    Business lawyers

    What a Business lawyer can do for you

    A business lawyer will advise you on many different aspects relating to business, such as regulation compliance, business incorporation, and legal liability. The sooner you retain a business attorney, the better. Your lawyer will make sure that you set up your business properly, create contracts for you, make sure you re hiring legal workers, file patents, buy and sell businesses, and more.

    Practice areas related to Business

    Why hire a Business attorney

    If you want to start, manage, transfer, or exit a business, you may benefit from a business attorney’s services. Business attorneys have experience with many different industries and professional fields. If you are considering bankruptcy relief for your business, a business lawyer will also have the knowledge necessary to help you navigate your options for your business debt. Depending on your business and activities, you may need one or more type of business attorney.

    The Avvo advantage

    Avvo gives you all the information you need to find the right lawyer.

    • 50 states
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    • 50 states
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    Quick Tip: Where to Find a Photography Model #how #to #find #models #for #photography


    Quick Tip: Where to Find a Photography Model

    So you’re all pumped up and ready to start making awesome portraits. You’ve got your camera, a great portrait lens, you’ve even scouted a location. Now all you need is someone to photograph.

    In today’s quick tip, we look at four different ways to find yourself a photography model. From encouraging friends and family to take part, through to advertising and using the Internet to find a model. I’d also love to hear your tips on the subject!

    1. Friends and Family

    The most obvious place to start is with close family and friends. They’ll likely be more forgiving and patient with you, and you won’t need to work on building up a rapport with the model. It’s also the least expensive route—both in terms of time and money.

    The downside is that you’ve probably already photographed these people several times before. The experience won’t push you out of your comfort zone—if the resulting photos aren’t all that good, you haven’t lost anything.

    You can make the process easier by picking friends with certain characteristics. Find someone who loves to be the centre of attention, and is confident with their appearance. They need to be comfortable with you and, ideall, also have a motive for wanting to have their photo taken (e.g. head shots, or portraits for their CV).

    Working with friends and family makes an excellent starting point, but it’s important to move on from this stage as soon as you start to feel confident.

    2. The Internet

    The Internet has a surprising abundance of people looking to have their photo taken. Websites such as Craigslist have a few potential models in sections such as “creative” and “talent”. There are also lots of people advertising their photography services here—usually for a price. If you’re happy to take portraits for free at first, you may well gather some interest.

    A number of other websites such as ModelMayhem and OneModelPlace might be worth a shot, though it could take a while to find someone local and appropriate.

    As ever, it’s advisable to be careful when using the Internet to find people to meet up with and photograph. Both parties are likely to be wary, and it might be a good idea to first meet someone casually before arranging a formal photo shoot.

    3. Advertise (With Freebies)

    Rather than go looking for models, why not let them come to you? Granted, this might not work wonderfully at first, but as you start to become more proficient, word spreads. Add a notice to your website letting readers know that you’re looking for models, and offer them an incentive. This could be a free CD of the shoot, prints, or even a photo book: something to make it worth their while.

    Many photographers do this to enhance their stock portfolio. Check out Elena Elisseeva’s page for an example.

    4. Agencies

    Once money exchanges hands and you hire a professional, expectations of your skill and professionalism are bound to rise. You’ll also feel slightly more pressure to perform well, as you’ve spent hard-earned money on your model’s time. It’s also important to weigh up whether it’s worthwhile financially. If you’re planning to sell the images, use them in your portfolio, or generally need the experience, it may well be easy to justify the price.

    Share Your Experience

    I’m sure some of our readers have encountered this situation before. Which route have you found to work well, and at what stage should photographers be looking to progress to the next stage of portrait photography?

    Once you’ve made some successful portraits, why not try selling them on PhotoDune. The world of stock photography always needs a more diverse representation of faces.

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    Where to Find Small-Business Funding #best #business #schools

    #small business funding


    Credit Cards






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    Where to Find Small-Business Funding

    You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

    So you’ve had an entrepreneurial breakthrough. Your research shows your idea is sound, and you’ve detailed all its nuances in a comprehensive business plan. You know how to spread the word about your new venture and how you’ll plan for future growth.

    Now, how are you going to fund it?

    Traditional small-business funding took a hit during the financial crisis, with banks opting for bigger, more secure investments over small-business ventures. Data from the Federal Deposit Insurance Corp. show small-business lending hasn t returned to pre-recession levels; loans of $100,000 to $250,000 have fallen 22% since 2007.

    But it s still possible to get the capital you need to launch, maintain or grow your business. And once you identify small-business funding that s right for you, there are steps you can take to increase your chances of getting a business loan .

    5 ways to fund your small business

    1. If you have an established business, collateral, strong credit and finances:

    Banks. Traditional banks are still a great starting point and can help you figure out where you stand in terms of funding. Even if your business doesn t have a strong enough track record and enough assets as collateral to qualify for a loan, talking to someone at a traditional bank can help you figure out what documents you need and what your best options may be.

    2. If your business falls just outside of a traditional bank’s strict lending criteria:

    SBA. The U.S. Small Business Administration offers lenders, almost exclusively banks, a federal guarantee on your loan, making it less risky for them to lend you the funds you need to be successful. In doing so, the SBA also connects you with favorable rates offered by traditional lenders. And unlike most bank loans, you can use an SBA loan to start a business. However, the application process isn t easy, and you can find yourself trapped under a heap of documents while you work through the appropriate forms. Online lender SmartBiz provides a more streamlined application process, originating SBA loans faster than traditional banks.

    3. If you have bad personal credit, need cash fast or don’t want to wait for a bank loan:

    Online alternative lenders. With traditional banks limiting access to capital, alternative lenders have seen an increase in popularity. A report by Morgan Stanley predicts they’ll provide 16% of small-business loans by 2020. They are particularly useful for owners struggling with bad credit or those in need of fast cash. with several online lenders able to turn around funding within 24 hours. Peer-to-peer lenders are among the alternatives; these lenders cut out the traditional middleman — such as a bank — to connect borrowers with individual and institutional investors. The cost of borrowing, however, is much higher; some charge annual percentage rates over 100%. Still, alternative lenders are a good option when the bank says no.

    4. If you think your product can capture the interest of the public:

    Crowdfunding. Crowdfunding sites such as Kickstarter rely on investors to help get an idea or business off the ground, often rewarding them with perks or equity in exchange for cash. Although the popularity of these services has increased in recent years (the SBA even offers an online course in crowdfunding), there are caveats. For one, your product or company has to be intriguing enough catch the eye of multiple investors. With equity crowdfunding, there are strict securities laws and rules to follow for investors and entrepreneurs alike.

    5. If you have an existing membership and like a personal touch:

    Credit unions. Like banks, credit unions offer favorable rates and loans backed by the SBA. But unlike banks, credit unions have increased their small-business lending 60% since 2008, according to the National Association of Federal Credit Unions. Though you’ll likely have to be a member, the co-op nature of credit unions often ties them to the community, so you may also reap the benefits of more personal relationships and name recognition.

    Find and compare small-business loans

    NerdWallet has come up with a comparison tool for the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and filtered them by categories that include your revenue and how long you’ve been in business.

    To get more information about funding options and compare them for your small business, visit NerdWallet ssmall-business loanspage. For free, personalized answers to questions about financing your business, visit theSmall Businesssection of NerdWallet’s Ask an Advisor page.

    This post has been updated. It was originally published Oct. 29, 2014.

    Image via iStock.

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    Jobs That Pay $50K Without A Degree #salary, #high-paying #job, #good #job, #no-degree #job,


    Jobs that pay $50k without a degree

    College isn t for everyone, and if it s not part of your plan, that doesn t mean you ll end up working a low-paying job.

    In an analysis of more than 2,000 U.S. employers, Monster PayRight data recently identified the top high-paying jobs you can get without a college degree all of which pay more than $55k a year.

    Topping the list are janitorial managers and service shop managers. with workers in both occupations taking home close to six figures a year. Not too shabby, right?

    Just don t expect to make quite this much right off the bat. In order to reach these high salary numbers, many of these positions require four to six years of experience. But if you stay the course, it will (literally) pay off in the long run.

    Check out the list below to see if one of these jobs could be the right career path for you.

    Janitorial manager

    What you d do: Janitorial managers oversee tasks associated with the maintenance of buildings and grounds, such as cleaning floors and fixtures, removing trash or debris, maintaining lawn care, pruning shrubs and flowers, and clearing and maintaining sidewalks and parking lots.

    What you d need: This position typically requires a high school diploma and six or more years of experience; although, some post-secondary education may give you a leg up.

    What you d make: $93,500 per year

    Find all janitorial manager jobs on Monster.

    Shop service manager

    What you d do: Overseeing a team of automobile, truck, or heavy equipment technicians and mechanics, shop service managers assign work orders and act as a points of contact between technicians and customers.

    What you d need: You d typically need a high school diploma and at least 6 years of experience; a bachelor s degree may be preferred.

    What you d make: $93,400 per year

    Find all shop service manager jobs on Monster.

    Aircraft Mechanic III

    What you d do: Job duties in this position involve maintaining and repairing the avionic and mechanical components of aircrafts, inspecting the structural, mechanical, and electronic elements, cleaning, refueling, and changing oil, painting the aircraft, and maintaining all other aircraft standards as required by the Federal Aviation Administration.

    What you d need: The typical route to be an aircraft mechanic requires a high school diploma, training and an internship, as well as four to six years of experience.

    What you d make: $85,200 per year

    Find all aircraft mechanic jobs on Monster.

    Grinder III

    What you d do: This job involves operating grinding machines during the assembly and manufacturing process to perform precision smoothing, polishing, or grinding. Grinders select, calibrate, and use a variety of grinding machine equipment, and deburr, buff, or polish materials to specifications.

    What you d need: A high school diploma along with four to six years of experience is standard.

    What you d make: $69,500 per year

    Find all grinder jobs on Monster.

    Instrument technician III

    What you d do: Instrument technicians test, calibrate, install, repair, and inspect monitoring devices for plant production and process equipment, using scientific and analytical computer software, voltage meters, and electronic probes to diagnose faults in circuitry.

    What you d need: An associate degree plus four to six years of experience under your belt is typically required.

    What you d make: $69,200 per year

    Find all instrument technician jobs on Monster.

    Land surveyor III

    What you d do: This job involves assisting surveyors and other mapmakers in obtaining and computing data relevant to measuring land surfaces, such as angles, elevations, points, and contours, using electronic distance measuring equipment.

    What you d need: You ll need an associate degree and four to six years of experience to land this role.

    What you d make: $66,600 per year

    Find all land surveyor jobs on Monster.

    Tool and die maker III

    What you d do: Tool and die makers build and modify tools, dies, jigs, molds, and fixtures using precision bench and machining operations. Duties include conducting tests for completed tools or dies to ensure all specifications are met, which may involve cutting, shaping, and trimmings blocks, or grinding parts.

    What you d need: Your high school diploma plus four to six years of experience is generally required.

    What you d make: $65,800 per year

    Find all tool and die maker jobs on Monster.

    Sanitation supervisor

    What you d do: Sanitation supervisors oversee and maintain documentation of the cleaning of production areas and machinery. Responsibilities also include supervising the breakdown of equipment, cleaning system, or chemical usage, and facility inspection.

    What you d need: In addition to your high school diploma and at least four years of experience, you ll need to have a solid understanding of Sanitation Standard Operating Procedures (SSOPs) and Good Manufacturing Practices (GMPs).

    What you d make: $62,700 per year

    Find all sanitation supervisor jobs on Monster.

    Title examiner III

    What you d do: Title examiners review documents and public records to determine property title status, examines chain of title to verify current ownership, identifies assessments against the property, and ensures total accuracy of all property details.

    What you d need: This position typically requires a high school diploma and four to six years of experience.

    What you d make: $60,400 per year

    Find all title examiner jobs on Monster.

    Hotel manager

    What you d do: Hotels offer many jobs. A managers oversees the day-to-day operations for a hotel and ensures profitability, cleanliness, and customer satisfaction. Tasks include promoting a positive environment for guests, monitoring cash flow, maintaining financial records, executing corporate events, and supervising the work of front desk, valet, concierge, or housekeeping staff.

    What you d need: Your high school diploma and at least four years of experience is typically required for this role.

    What you d make: $57,900 per year

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