Tag: Government

TransferWise launches international money transfers via Facebook #australia,canada,united #kingdom,united #states,max #r. #levchin,peter #a #thiel,richard

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TransferWise launches international money transfers via Facebook

The Facebook logo is displayed on their website in an illustration photo taken in Bordeaux, France, February 1, 2017. Regis Duvignau

NEW YORK (Reuters) – Money transfer company TransferWise has launched a new service that allows users to send money internationally through Facebook Inc’s chat application, as competition in the digital payments landscape intensifies.

The London-based startup said on Tuesday that it had developed a Facebook Messenger “chatbot”, or an automated program that can help users communicate with businesses and carry out tasks such as online purchases.

TransferWise’s chatbot enables customers to send money to friends and family to and from the United States, Britain, Canada, Australia and Europe from Facebook Messenger. It can also be used to set up exchange rate alerts.

Facebook already allows its users to send money domestically in the United States via its Messenger app, but has not yet launched similar services internationally. TransferWise said its service will be the first to enable international money transfers entirely within Messenger.

Facebook opened up its Messenger app to developers to create chatbots in April in a bid to expand its reach in customer service and enterprise transactions.

Chatbots have become a hot topic in enterprise technology over the past year because recent advances in artificial intelligence have made them better at interacting. Businesses, including banks, are hoping that they can be used to improve and reduce the cost of their customer service operations.

One of Europe’s most well-known fintech companies, TransferWise was launched in 2011 by Estonian friends Taavet Hinrikus and Kristo Käärmann out of frustration with the high fees they were being charged by banks for international money transfers.

The company, which is valued at more than $1 billion, is backed by several high profile investors including Silicon Valley venture fund Andreessen Horowitz, Virgin Group founder Sir Richard Branson, and PayPal co-founders Max Levchin and Peter Thiel, through his fund Valar Ventures.

Customers in more than 50 countries send roughly $1 billion through its website every month.

While the TransferWise chatbot is now only available in Facebook Messenger it can be adapted to work with other popular chat services, Scott Miller, head of global partnerships for TransferWise said. He said the service would eventually be extended to work in other countries and money transfer routes that the company operates in.

The launch comes as competition in the mobile payments and international money transfer sectors intensifies. Earlier this month PayPal Holdings Inc announced its U.S. payments application Venmo would be available within popular chat service Slack.

While in January. Ant Financial Services, an affiliate of Chinese e-commerce company Alibaba Group Holding Ltd, said it would acquire U.S. money-transfer company MoneyGram, in a deal that is expected to shake up the international payments landscape.

Reporting by Anna Irrera; Editing by Sandra Maler





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Parks – Ellison Park #monroe, #monroe #county, #monroe #county #online, #online #services, #monroe #county

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Ellison Park

At 447 acres, Ellison Park has the beauty of natural woodlands combined with steep slopes and the level flood plain of the Irondequoit Creek. Ellison has 5 softball diamonds, 1 multi-use athletic field, and a playground. It has one of our two legal off-leash Dog Parks in the County Park system. Tennis courts are located in the park off Blossom Road, and are lined for Pickleball also. There are two designated sledding hills located in Ellison Park. A non-motorized/car-top boat launch is located by the Circle Shelter allows you to boat in Irondequoit Creek. Fishing is also allowed. Ellison Park has many trails; their locations are shown on the trail map. Fort Schuyler is another attraction that the park offers; this replica of the original Fort is a great attraction for the whole family.

Location and Directions

The park office is located at 395 Rich’s Dugway, Rochester, NY 14625. The main entrance of this park is located east of route 590 on Blossom Road in the Town of Penfield.

Common Recreation Activities at Ellison Park

  • Baseball/Softball
  • Bicycling (no off-road cycling permitted)
  • Disc Golf (seasonal 18-hole course)- baskets are up for the season from mid-April until mid-November
  • Dog Park (legal off-leash; registration required)
  • Fishing
  • Geo-caching (approximately 20 caches)
  • Hiking/Running
  • Horseback Riding
  • Ice Skating (seasonal and weather-dependent)
  • Kayaking/Canoeing (launch available on south side of park)
  • Kickball
  • Lodges and Shelters for Rent
  • Multi-use Athletic Fields
  • Pickleball (seasonal)
  • Playground
  • Sledding (seasonal, and in designated areas only)
  • Snowshoeing (non-groomed, and seasonal)
  • Tennis (seasonal)
  • Ultimate Frisbee
  • Creek access

Rules and Regulations

  • Ellison Park is open daily 7:00 a.m. until 11:00 p.m. and has a Carry-in Carry-out rule. which means you must take all your garbage with you for disposal after leaving the park.
  • All pets must be leashed and you are responsible for cleaning up after them.
  • Amplified music is not allowed at the South Lodge or the Island, Spruce, Circle and Sycamore Shelters.

Winter Park Hours

Summer Park Hours

Lodges and Shelters

This park has four enclosed lodges and six open-air shelters including a premium lodge, the Pavilion Lodge!

For information and reservations please call 585 753-PARK (7275) or go to our Online Lodge Shelter Reservation System .

Rent Ellison Park’s Pavilion Lodge HERE

History

Officially the first Monroe County Park, Ellison Park came into being in December of 1926. The county accepted approximately 200 acres of land from Mr. and Mrs. Frank T. Ellison in memory of Mr. Ellison’s father, Nathaniel. Ellison Park has been the hub of many historical events and locations. Indian Landing which was located on Irondequoit Creek, for many years was used by the indigenous Iroquois as the beginning of the portage route which stretched along Ellison Park.

The Lost City of Tryon, originally founded in hopes of creating a commercial settlement, used the Irondequoit Creek for trade. A store was built that bartered with the Seneca Indians, beginning its trading roots.

Restrooms

There are four restrooms located in the park. There is one located by the Disc Golf Course off Landing Road (open seasonally between May 1st and October 31st). There is another behind the Hazelwood Grove Lodge. Another facility is located by the Creekside Lodge. The last restroom is located by the Sycamore Shelter (open seasonally between May 1st and October 31st). All of the restrooms have flush toilets. See the park map for specific locations.

Trails

Before heading out to Ellison Park print the park map. The color coded hiking trails and additional details will keep you on the right track.

Coyote Den Trail, this 1.1 mile walk (one way) passes by a few ponds and walkers can expect to see many birds and other wildlife.

Overlook Trail, this .6 mile walk overlooks Thomas cove and the stone quarry.

Mill Race Trail, this .4 mile walk, shows the stages between wetlands and a forest.

Indian Landing Trail, this 1.5 mile walk, is full of history, from the location of an old trading post (Fort Schuyler), to the presumed famous Butlers’s Rangers hideout, marked with commemorative plaques.

Butlers Gap Trail, this .7 mile walk (one way) has many interesting historical features as well as an intersection that overlooks the wetlands.

Disc Golf

A new Disc Golf map can be found here. The Greater Rochester Disc Golf Club worked very hard with the Parks Department to re-route the course.

Disc golf is open for play from approximately early/mid April until mid-November, dependent upon ground conditions and weather. If you’ve never played before, there’s never been a better time to get out early and learn. Contact the Greater Rochester Disc Golf Club at www.grdgc.org for more information about the sport.

Playgrounds

There is one playground facility in Ellison Park. It is located on the north side of Blossom Road, near Roadside Shelter. See the park map for the specific location.

Athletic Fields

Ellison Park has five softball fields and one multi-use athletic field that are available for rent. Click here for the Special Use Application or call 585 753-PARK (7275) for more information.

  • We start accepting Special Use Field Applications for the upcoming year on the last Friday in January at 8:30am.

The five softball fields are located throughout the park; #1 and #2 are near Circle and Sycamore Shelters; #3 and #4 are along the road leading to the South Lodge, and #5 is by the Old Meadow Shelter. There are also 3 tennis courts that are lined for Pickleball, and one court lined only for Pickleball. These courts are located off Blossom Road.

Winter Activities

Ellison Park offers two designated sledding hills, and an ice skating rink. The sledding hills are located off Landing Road by the Disc Golf Course.

  • The ice skating rink is located in the large parking lot off Blossom Road. There are no skate rentals; you must bring your own.
  • For rink conditions call 585 753-PARK (7275) during the week between 8:30am and 4:30pm, or 585-753-7270 on weekends between 10am and 4pm.
  • ​Groomed natural-ice surfaces are in Churchville, Ellison, and Highland Parks.
  • Ice skating is not permitted elsewhere in the Monroe County Parks.
  • When ice conditions allow, the skating hours at Ellison are as follows:
    • Monday through Sunday: 10am- 10pm
  • Equipment is not available for rent in any park.

    There is no warming hut available nearby the rink at Ellison Park.

    Ice conditions will vary depending on weather.

    Skating is done at your own risk.

    Water Activities

    Fishing is allowed in Ellison Park as long as those fishing are following NYS Department of Environmental Conservation guidelines and rules and have the required licenses. There is a non-motorized/car-top Boat Launch located on the south side of the park, near Circle Shelter.

    Ellison Park Area Master Plan Update





Government grants and financing – Canada Business Network #designer #business #cards

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Government grants and financing

Government departments and agencies provide financing such as grants, contributions, subsidies, and loan guarantees. Find out what type of government financing may be available for your business. Use the search tool or browse by type of financing.

Browse government financing by type

Explore opportunities to receive public funds to help springboard your business venture.

Examine these loans and other borrowing possibilities for your new or existing business.

Having trouble securing a loan for your business? A government-backed loan guarantee could help you attract creditors.

Looking for more return on your business expenditures? Browse potential tax benefits that could help reduce overhead.

Are high wage expectations making you reluctant to put up that Help Wanted sign? A wage subsidy program can put the perfect employee within your reach.

Searching for a long-term financial solution for your business? An equity investor may be willing to bank on your potential.

Date modified: 2016-05-05

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Canadian Government Funding – Small Business Grants #sba #lenders

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Canadian Government Funding for Small Businesses

Mentor Works has worked with hundreds of SMEs across Canada to solve one wide sweeping issue: cash flow planning. The challenge facing most Canadian businesses is how to find and take advantage of suitable Canadian government grants and loans to assist with their cash flow and accelerate their growth. Browse a list of top small business funding programs to find out what your businesses can leverage:

List of Canadian Government Grants and Loans for Small Businesses

We have created a table of some of the most popular government grants for small business units in Canada, including repayable funding options, splitting them up into:

Each program has specific and unique eligibility criteria that you should review prior to applying to ensure your business and project are eligible. If you would like information on a specific program, please click on the program name to learn more. Have questions about the program? Fill out the form at the bottom of the program page, call our toll free number (1-888-599-3111), or send us a message via our Contact Form .

Government
Funding
Program

Receive up to $100k in grant funding towards an industry post-secondary collaborative research project to create new water technologies that will:

  • Commercialize new water technologies
  • Bring new water technologies to market
  • Tap into the global water demand

Industry-led Research Development Stream: Supports pre-commercialization R D, leading to new agri-based products, processes, and practices.

  • Combines industry, academia, government expertise to promote innovation
  • Scope may be national, regional, or localEnabling Commercialization Adoption Stream: Accelerates the rate of identification, assessment, development and adoption of innovation-based products
  • Commercialization projects of a new product or innovation
  • Technology adoption projects to improve internal operations or end products

Provides non-repayable funding support to Canadian agriculture, agri-food, fish, and seafood industries by allowing them to identify market priorities and carry out marketing activities to develop export opportunities:

  • Development and production of advertising materials
  • Trade shows, conferences, and trade missions
  • Implementing marketing and branding plans

Apprenticeship Job Creation Tax Credit

Supports the training and certification of new trades apprentices through wage subsidies. Credit covers the training of new trades employees.

Apprenticeship Training Tax Credit (Ontario)

Incentive to allow SME s to hire new apprentices in trades.

  • Register new trades apprentices in sectors where there is high demand for skilled workers

Automotive Innovation Fund (AIF)

Supports the development of innovative, fuel-efficient new automotive products and processes to:

  • Create knowledge-based jobs in Canada;
  • Improve automotive sustainability and environmental impacts; and
  • Improve Canada s competitiveness.

Automotive Supplier Innovation Program (ASIP)

Provides research and development grants to assist with innovative automotive product development. Ideal projects activities:

  • Prototyping;
  • Product engineering; and
  • Pre-commercialization testing and validation.

Build in Canada Innovation Program (BCIP)

The Build in Canada Innovation Program is a first purchase program offered by the Canadian government.

  • Pre-commerical, innovative product or service opportunity to bridge the commercialization gap
  • Must be of use to the Canadian government by improving efficiency and effectiveness

Receive up to 66% or $10K in training grants per trainee to enhance your workforce.

  • Most training that improves skillsets and career advancement is eligible.
  • Training can be carried out throughout the calendar year.
  • Program available from 2014-2020 with an annual funding pool of $192M in Ontario.

Grant for developing, producing, and promoting innovative, interactive software development projects including apps and video games.

  • 3 streams: Development, Production or Marketing Promotion
  • Covers up to 75% of eligible costs up to $400k/$1 million
  • Canadian companies can apply if ≥75% of content is developed in Canada

Small businesses with $10M in annual gross revenues can receive loan funding for expansion activities up to $1M.

  • Competitive interest rates
  • Can apply at a financial institution or credit union
  • May require a business plan





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Business Software for Service – Government Organizations #business #school #rankings

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ERP

ERP with post-implementation agility

Field Service – Finance – HR – Planning – Procurement – Projects – Reporting Analytics

What we do: With Unit4 you can manage your entire services operation in a single, integrated, cloud ERP suite. Our solutions are designed around the people who use them, so they’re quick to roll out, a joy to work with, fast to deliver real benefits and easy to change.

Why we’re different: Traditional ERP solutions are too hard to use and need recoding by specialists when changes are needed after implementation. Our ERP solutions are designed from the ground up to help users easily adapt the system themselves, to reflect ongoing business or operational changes. So you’ll always be agile.

  • Office of the CFO

    Office of the CFO

    People-centric solutions to empower the finance team

    Accounting – Auditing – Cash Management – Consolidation – Reporting Analytics

    What we do: Unit4 puts your finance team at the heart of the organization – in control, with full visibility. Our solutions enable you to streamline and automate finance processes, embed best-practice operation and improve business visibility, compliance and corporate governance for even the largest, most complex or fast-changing enterprises.

    Why we’re different: Traditional finance systems are difficult to set up, hard to use and require expert assistance whenever something in the organization changes. Our solutions are light, flexible and agile – easy to mold precisely to your organization and keep in step through ongoing change, to deliver the precise data and insights you need.

    Office of HR

    Agile solutions for total people management

    Absence Management – HR – Payroll – Resource Planning – Time Management – Travel Expenses

    What we do: Unit4’s suite of total people management solutions provide smart facilities for employees and end-to-end support for HR teams. They are designed to help you perform this essential function more efficiently and effectively, with unrivaled agility to handle fast-changing organizational demands, evolving corporate structures or new legislation.

    Why we’re different: Traditional, separate, insular HR systems often require expert assistance and duplicated manual work whenever something in the organization changes. Our integrated suite of solutions are easy to keep in step with your organization and employee updates are made in just one place. This frees up resources to help your team analyze, reflect and deliver ongoing change.

    About Unit4

    Unit4 is a leading provider of enterprise applications empowering people in service organizations. Unit4 delivers ERP, industry-focused and best-in-class applications. Thousands of organizations from sectors including professional services, education, public sector, non-profit, real estate, wholesale, and financial services benefit from Unit4 solutions. Unit4 is in business for people.

    Top Resources

    Compare Oracle, SAP, Microsoft and Unit4 to figure out which ERP architectures best handle business change.

    Discover what the financial Impact of managing business change in an old-style ERP system.

    Searching for the right ERP solution for your Service Organization? Download TEC s ERP for Services Buyer s Guide.





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  • History and Mission #game #theory, #think #tank, #government, #independent, #private, #nonprofit, #organization, #research, #development,

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    History and Mission

    Our Mission and Values

    The RAND Corporation is a nonprofit institution that helps improve policy and decisionmaking through research and analysis.

    For more than six decades, RAND has used rigorous, fact-based research and analysis to help individuals, families, and communities throughout the world be safer and more secure, healthier and more prosperous. Our research spans the issues that matter most, such as energy, education, health, justice, the environment, and international and military affairs.

    As a nonpartisan organization, RAND is widely respected for operating independent of political and commercial pressures. Quality and objectivity are our two core values.

    RAND’s research is commissioned by a global clientele that includes government agencies, foundations, and private-sector firms. Philanthropic contributions, combined with earnings from RAND’s endowment and operations, make possible the RAND-Initiated Research program, which supports innovative research on issues that are crucial to the policy debate but that reach beyond the boundaries of traditional client funding.

    Our Commitment to Dissemination and Education

    RAND disseminates its research findings as widely as possible to benefit the public good. More than 20,000 RAND publications and commentary are available for free at www.rand.org.

    RAND also operates the Pardee RAND Graduate School, the largest public policy analysis Ph.D. program in the United States and the only program based at an independent public policy research organization.

    Our History

    On May 14, 1948, Project RAND an organization formed immediately after World War II to connect military planning with research and development decisions separated from the Douglas Aircraft Company of Santa Monica, California, and became an independent, nonprofit organization. Adopting its name from a contraction of the term research and development. the newly formed entity was dedicated to furthering and promoting scientific, educational, and charitable purposes for the public welfare and security of the United States.

    How RAND Invented the Postwar World

    Almost all of the defining features of the Information Age were shaped in part at the RAND Corporation.

    Researching RAND: Access to the Corporate Archives

    RAND has a proud tradition of making its research and analyses widely available to the public. More than 20,000 RAND publications are already accessible at no cost on our external website. The publications provide a rich resource for scholars and others interested in learning and writing about RAND’s contributions to public policy.

    Many more materials relevant to our mission, research, and history, and the work of current and former members of the RAND staff, are contained in the RAND archives. Research scholars and qualified journalists who are interested in learning more about RAND’s archives can request access.

    The Nobel Prize and RAND

    RAND’s unique intellectual environment and reputation for empirical, nonpartisan, independent analysis have attracted an impressive corps of researchers over the years. Many Nobel Laureates have been affiliated with RAND. Some have been employees, others served as consultants, while others served in an advisory capacity.

    More About RAND





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    Government Grant Scams #home #business #opportunities

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    Government Grant Scams

    “Because you pay your income taxes on time, you have been awarded a free $12,500 government grant! To get your grant, simply give us your checking account information, and we will direct-deposit the grant into your bank account!”

    Sometimes, it’s an ad that claims you will qualify to receive a “free grant” to pay for education costs, home repairs, home business expenses, or unpaid bills. Other times, it’s a phone call supposedly from a “government” agency or some other organization with an official sounding name. In either case, the claim is the same: your application for a grant is guaranteed to be accepted, and you’ll never have to pay the money back.

    But the Federal Trade Commission (FTC), the nation’s consumer protection agency, says that “money for nothing” grant offers usually are scams, whether you see them in your local paper or a national magazine, or hear about them on the phone.

    Some scam artists advertise “free grants” in the classifieds, inviting readers to call a toll-free number for more information. Others are more bold: they call you out of the blue. They lie about where they’re calling from, or they claim legitimacy using an official-sounding name like the “Federal Grants Administration.” They may ask you some basic questions to determine if you “qualify” to receive a grant. FTC attorneys say calls and come-ons for free money invariably are rip offs.

    Grant scammers generally follow a script: they congratulate you on your eligibility, then ask for your checking account information so they can “deposit your grant directly into your account,” or cover a one-time “processing fee.” The caller may even reassure you that you can get a refund if you’re not satisfied. In fact, you’ll never see the grant they promise; they will disappear with your money.

    The FTC says following a few basic rules can keep consumers from losing money to these “government grant” scams:

    • Don’t give out your bank account information to anyone you don’t know. Scammers pressure people to divulge their bank account information so that they can steal the money in the account. Always keep your bank account information confidential. Don’t share it unless you are familiar with the company and know why the information is necessary.
    • Don’t pay any money for a “free” government grant. If you have to pay money to claim a “free” government grant, it isn’t really free. A real government agency won’t ask you to pay a processing fee for a grant that you have already been awarded — or to pay for a list of grant-making institutions. The names of agencies and foundations that award grants are available for free at any public library or on the Internet. The only official access point for all federal grant-making agencies is www.grants.gov .
    • Look-alikes aren’t the real thing. Just because the caller says he’s from the “Federal Grants Administration” doesn’t mean that he is. There is no such government agency. Take a moment to check the blue pages in your telephone directory to bear out your hunch — or not.
    • Phone numbers can deceive. Some con artists use Internet technology to disguise their area code in caller ID systems. Although it may look like they’re calling from Washington, DC, they could be calling from anywhere in the world.
    • Take control of the calls you receive. If you want to reduce the number of telemarketing calls you receive, place your telephone number on the National Do Not Call Registry. To register online, visit donotcall.gov. To register by phone, call 1-888-382-1222 (TTY: 1-866-290-4236) from the phone number you wish to register.
    • File a complaint with the FTC. If you think you may have been a victim of a government grant scam, file a complaint with the FTC online. or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

    This article was previously available as Free Government Grants: Don’t Take Them For Grant-ed.





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    Mississippi Bids # #mississippi #bids, #mississippi #government #bids, #mississippi #federal #bids, #mississippi #state #bids,

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    Win government bids in and around the state of Mississippi. Government Bids and Contracts Services maintains a comprehensive listing of government bids and RFP (request for proposal) and other government bidding opportunities in the state of Mississippi (MS). Solicitations in Mississippi (MS) listed below are published by all levels of governments, including federal government, Mississippi (MS) state government, county government, city government, municipal government, local government, community government, government agency buyers, and various regional government authorities in Mississippi (MS). Government bids published by states around Mississippi (MS) are included as well.

    The Mississippi (MS) government bid site is used by both prime contractors and subcontractors to monitor government bids in Mississippi (MS). The database for government procurement and solicitation opportunities in Mississippi (MS) is fully searchable. Many government bids and RFP solicited by government agencies in Mississippi (MS) are suitable for small businesses, minority owned business (minority business enterprises or MBE) and woman owned business (WOB).

    Sample List of Government Bids and RFP in Mississippi (MS):

    Bids and RFP Title





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

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    Hosting

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

    Cloud

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

    Hybrid

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

    Full Service Hosting

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

    Featured Services





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    Government Small Business Loans #business #cards #cheap

    #government loans

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    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.

    Why Government 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.

    You just learned about: Government Small Business Loans Programs

    For more information, check out this related resource: Funding a Business





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