Tag: Kentucky

Business Partner – World Trade Center Kentucky #business #icons

#business partner

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A Partnership with the WTC-KY at the Business Partner Level provides the following benefits and services:
International Trade Assessment All WTC-KY Partners can receive a free annual International Trade Assessment that will provide you with a roadmap to successful importing and exporting, and suggest improvements to procedures and operations.

Trade Advisory Services (TAS) Team Our TAS Team can also create customized consulting, training and research solutions at special preferred partner rates. Let us help with your next international trade project.

WTC-KY Seminars Events WTC-KY Partners have the opportunity to participate in high-quality trade education seminars, workshops, trade missions and business events; conducted by leading topic experts with real-world experience in their respective fields.

Preferred Partner Rates – World Trade Center Kentucky Partners receive preferred rates for all WTC-KY events and educational programs. Also, through our WTC-KY Affinity Program, enjoy savings of up to 50% on business and international trade services through referrals to our trusted service providers.

International Trade Certification Program – Access to Kentucky s only International Trade Certification Program. After successful completion of this intensive 3-day training course, participants will receive a WTC-KY certification as an International Commerce Specialist. (Preferred rates only for WTC-KY Partners)

World Trade Center Kentucky Newsletter – Stay current and capitalize on international trade business developments in Kentucky, our region and the world with our electronic newsletter, News to Know .

To become a member and receive these benefits, click here.
To return to partnership levels information, click here.

Visionary Partners





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Rehabs in kentucky #rehabs #in #kentucky

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Finding an Ideal Drug Rehab in Kentucky

Finding the right addiction treatment center is one of the most important decisions a person can make. It could be the difference between long-term success and continuing to battle addiction.

What is Drug Rehab?

Drug Rehabilitation (Rehab) is a process where an individual living with an addiction, enters into a treatment program or facility. The goal is to treat the individual and, in some cases, the family who will support and help them through their recovery. Rehab is made up of counseling, group support, identifying causes and triggers of drug use and focusing on health and recovery. How an individual receives this help should be in their control.

Why Do I Need a Rehab Facility?

Dealing with addiction as an individual or even as a family can be isolating. Individuals and families often feel alone in making important treatment decisions. This does not have to be the case. When the decision is made to enter a treatment program you should have the guidance you need but also the power to make decisions for yourself or someone you love.

Do not make the mistake of settling for the first treatment facility that comes along. People will often settle on the first rehab facility they learn about and realize later that the facility was not what they or their loved one needed. This could lead to your loved one being hesitant about entering another facility in the future. The best way to find the right facility is to seek out all the necessary information, ask questions and get the answers you need to make an informed decision. This is a decision that should not be made quickly, lightly or without the right guidance.

Finding a Drug Rehab Facility

When it comes to finding a treatment center the potential options are endless. As each individual and addiction varies greatly, so to must the types of therapies that are offered. By giving an individual control over how and where they receive treatment the chances of success rise. Making decisions for yourself will give you the control you need to increase your chances of long-term sobriety.
Many treatment centers claim to give you treatment options and variety. Unfortunately, in most cases they are facilities that can only offer a limited number of options. We can offer access to an extensive database with a variety of different recovery options. There are counselors ready to guide you through the process of finding the substance abuse treatment center that is right for you or someone you love. Each person and each addiction is different. Because of these differences, we understand that there is an ideal treatment plan for you. Counselors who understand the specifics of each type of treatment program and what they offer can work closely with you or your family to find the perfect fit.

Finding the Ideal Rehab Setting

Whether you feel that your best options is a twelve-step program, a residential treatment facility, a detoxification center, an inpatient rehab facility or one of the many other forms of treatment we can help find that facility for you. There is a facility and a treatment plan that is the answer your family is looking for.

Regardless of whether you will be paying for your treatment program independently or using health insurance we can guide you through that part of the process as well. If you have to pay on your own, we can help find lower cost options that offer excellent care. Financial constraints should not mean that you or your loved one receives improper or partial treatment. When you compare a 90-day treatment plan with a 28-day treatment protocol, the longer treatment is significantly more successful. With that information in mind, it is critical that you receive not only the right treatment but the right length of treatment as well.

The service that we provide is completely confidential. You can rest assured that our counselors can find the ideal addiction recovery facility for you or your loved one. Addiction is a disease and should be treated that way. You deserve the respect and care that you need to begin your journey to sobriety and health. We look forward to providing you with the kindness and care that you deserve.





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Business Partner – World Trade Center Kentucky #start #up #business #loans

#business partner

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A Partnership with the WTC-KY at the Business Partner Level provides the following benefits and services:
International Trade Assessment All WTC-KY Partners can receive a free annual International Trade Assessment that will provide you with a roadmap to successful importing and exporting, and suggest improvements to procedures and operations.

Trade Advisory Services (TAS) Team Our TAS Team can also create customized consulting, training and research solutions at special preferred partner rates. Let us help with your next international trade project.

WTC-KY Seminars Events WTC-KY Partners have the opportunity to participate in high-quality trade education seminars, workshops, trade missions and business events; conducted by leading topic experts with real-world experience in their respective fields.

Preferred Partner Rates – World Trade Center Kentucky Partners receive preferred rates for all WTC-KY events and educational programs. Also, through our WTC-KY Affinity Program, enjoy savings of up to 50% on business and international trade services through referrals to our trusted service providers.

International Trade Certification Program – Access to Kentucky s only International Trade Certification Program. After successful completion of this intensive 3-day training course, participants will receive a WTC-KY certification as an International Commerce Specialist. (Preferred rates only for WTC-KY Partners)

World Trade Center Kentucky Newsletter – Stay current and capitalize on international trade business developments in Kentucky, our region and the world with our electronic newsletter, News to Know .

To become a member and receive these benefits, click here.
To return to partnership levels information, click here.

Visionary Partners





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Business – First Capital Bank of Kentucky – Louisville, KY #franchise #businesses

#business first louisville

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

Contact Us

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

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





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Consult the Expert – Business First Louisville – CUB: A Kentucky Community Bank #start

#business first louisville

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Consult the Expert Business First Louisville

Topic:
The Era of Smart Technology

Nearly all of us today have a Smart Phone, but what is a Smart Safe?
A Smart Safe is key to managing the challenges of cash in a retail environment. A Smart Safe automatically accepts, validates and stores notes while recording each transaction.

Smart Safe features include:
• Note Validation – tracks and records each note while checking for counterfeits
• Cash Tracking – deposits tracked by each user of the safe by Login ID
• Reporting – various reports can be generated to streamline reconcilement
• Connectivity – stores can provide online access to an armored car carrier and the bank

Benefits of this technology:
• Eliminates the employee risk of taking cash to a bank branch.
• Can lower expenses associated with armored car services as frequency of pickups may be reduced.
• If your bank has online access to the cash deposits they may be willing to provide you advanced availability even though the cash may still be sitting in the safe. If your business consists of managing large amounts of cash, get safe smart.

Online Banking

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Business – First Capital Bank of Kentucky – Louisville, KY #unsecured #business #loan

#business first louisville

#

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

Contact Us

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

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





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Consult the Expert – Business First Louisville – CUB: A Kentucky Community Bank #business

#business first louisville

#

Consult the Expert Business First Louisville

Topic:
The Era of Smart Technology

Nearly all of us today have a Smart Phone, but what is a Smart Safe?
A Smart Safe is key to managing the challenges of cash in a retail environment. A Smart Safe automatically accepts, validates and stores notes while recording each transaction.

Smart Safe features include:
• Note Validation – tracks and records each note while checking for counterfeits
• Cash Tracking – deposits tracked by each user of the safe by Login ID
• Reporting – various reports can be generated to streamline reconcilement
• Connectivity – stores can provide online access to an armored car carrier and the bank

Benefits of this technology:
• Eliminates the employee risk of taking cash to a bank branch.
• Can lower expenses associated with armored car services as frequency of pickups may be reduced.
• If your bank has online access to the cash deposits they may be willing to provide you advanced availability even though the cash may still be sitting in the safe. If your business consists of managing large amounts of cash, get safe smart.

Online Banking

Convenient Capture Login

Update Your Contact Info
and Earn $1

Personalize Your Debit Card

Sign Up for eStatements

Use Our Switch Kit to Join Today





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Kentucky Small Business Development Center #dallas #business #journal

#business development plan

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Why do I need a business plan?

Entrepreneurs generally are described as risk takers who take chances based on a gut feeling. However, when you are investing money or asking another to invest money it requires careful planning and preparation. A business plan organizes all the necessary elements required to start a business and continue a successful business in a simplistic format. It is also the tool you will present to lenders to convince them to take a risk on your business and provide you with financing. Therefore, it must be extremely thorough and thought provoking.

Remember, aside from the general business plan objectives, every business plan is unique. Your plan should include all the relevant information, but be customized for your business. Finally, focus on the content and not the number of pages.

Once complete, the business plan should identify the expectations you have for your new or existing business. If you plan to utilize the plan to obtain financing, the completed plan should tell the story of your business to a potential lender. The plan should serve as a stand-alone document in that all business issues are addressed without requiring additional verbal explanation. Review your plan regularly and make appropriate changes when your plans and strategies change.

Below is an outline of the sections and pertinent information that should be included in a business plan. Remember to contact your local Small Business Development Center for assistance in developing and completing a business plan.

Writing a Business Plan

The following is a suggested business plan outline.

The business plan describes an entrepreneur s idea or a company s past and current operations and then demonstrates how the request for an investment or loan will enhance the company goals and reward the investor. However, the most important function of the business plan is to communicate your goals and guide your company.

1. Table of Contents with Page Numbers

2. Executive Summary (1 2 pages)

  • Highlights major points of a business plan, including management team, market size, marketing strategy, strategic alliances, potential profits, dollar amount requested and proposed terms for repayment
  • This section should be the LAST section written

3. Summary of the Business or General Company Description

  • Explain the business
  • Mission statement, company goals objectives, business philosophy
  • Describe industry, overview of product(s) or service(s) offered, market and competition and management experience
  • Company strengths and core competencies
  • Legal form of ownership

4. Products or Services Offered

  • Explain products and/or services in depth, pricing, fee structure, if applicable

5. Marketing Plan

(A) Market Analysis

  • Target Market: Identify customer s, provide demographic information explaining their characteristics
  • Industry Overview: Detailed analysis of market size, growth, major trends, etc.
  • Competition: Detailed analysis of top 3 5 competitors (review of competitor s strengths and weaknesses)

(B) Marketing Strategy

  • Explain in detail how your company will capture market share and your marketing/advertising public relations plan

6. Operational Plan

  • Explain the daily operations of the business: location, equipment, legal environment, personnel, processes, etc.

7. Management and Organizational Plan

  • Describe in detail your team s experience, strengths, job functions, and plans to fill gaps in management team

8. Financial Data 3 Year Financial Projections

  • Cash flow, assumptions, income statement, balance sheet spreadsheets, break even analysis, sources and applications of funds.

9. Appendix, with supporting documents, contracts, letters of intent, research, etc.

Management Organization

Who has management responsibilities? Include the resumes of key managers as supporting documents. Include position descriptions for all key employees. List important advisors, such as attorney, accountant, banker, insurance agent, and advisory board or board of directors. Include estimated financial costs and necessary services provided.

Operational Plan

Discuss methods of production or service delivery, product or service development, quality control, inventory control.

What is your credit policy? Do/will you sell on credit? What are the terms? Explain how you perform a credit check. What are your collection policies?

How many employees are required? What skills are necessary? Define the pay and personnel policies. Are there any position descriptions and/or training programs?

Equipment, Technology, Inventory

How much inventory is needed? What is its value? Why is that amount of inventory appropriate for your business and location? List your major suppliers and discuss any terms they extend to your business. What equipment and technology is necessary to operate the business?

Research and understand all legal issues. (Licensing, bonding, permits, insurance, zoning, government regulations, patents, trademarks, copyrights, etc.)

Describe exit strategies should the firm perform lower than expectations (personal or business). Will inventory be liquidated? Will you close the business or sell?

Financial Plan Projections

The financial plan provides the numbers that correspond to your written plan. Historical and/or projected figures should be included. In addition, you should always include a narrative explaining the assumptions you used to arrive at the dollar value of sales, expenses, etc. You must demonstrate that your numbers are reasonable. Detailed financial information is critical to the business planning process.

Start-up Expenses and Capital

Carefully calculate and categorize all start-up expenses including inventory, rent, etc. For example, what amount will be needed for renovations and equipment? Remember to include any cash you may need to operate and pay bills until the business begins generating cash. Provide a detailed list of equipment, furniture, and/or fixtures to be purchased. Include actual price quotes for larger items.

If yours is an existing firm, include the income statements, balance sheets and/or tax returns for the past three years.

Profit and Loss Projection (Income Statement)

Include a monthly profit and loss projection for at least 12 months of business operation. Be sure to provide a written explanation of assumptions used to develop your projections.

Cash Flow Projection

Include a monthly cash flow projection for at least 12 months of business operation. The cash flow projection differs from the profit and loss statement. Cash flow statements illustrate how much and when cash flows in and out of your business. Be sure to provide a written explanation of assumptions used to develop your projections.

Projected Balance Sheet

Your plan should include a projected balance sheet showing assets (things owned), liabilities (debts) and owner s equity. If yours is a start-up business, the balance sheet should show your financial position on opening day.

  • Personal r sum s for owners and management
  • Letters of reference
  • Personal financial statements from all principals
  • Contracts and/or letters of intent from suppliers and customers
  • Copies of leases, licenses, permits, or any other legal documents
  • Any document referred to within the plan but not included in body

Contact your local Kentucky Small Business Development Center for additional tips and templates for preparing an effective business plan. Your SBDC Consultant will provide assistance preparing and reviewing the business plan prior to meeting with lending institutions.





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Consult the Expert – Business First Louisville – CUB: A Kentucky Community Bank #small

#business first louisville

#

Consult the Expert Business First Louisville

Topic:
The Era of Smart Technology

Nearly all of us today have a Smart Phone, but what is a Smart Safe?
A Smart Safe is key to managing the challenges of cash in a retail environment. A Smart Safe automatically accepts, validates and stores notes while recording each transaction.

Smart Safe features include:
• Note Validation – tracks and records each note while checking for counterfeits
• Cash Tracking – deposits tracked by each user of the safe by Login ID
• Reporting – various reports can be generated to streamline reconcilement
• Connectivity – stores can provide online access to an armored car carrier and the bank

Benefits of this technology:
• Eliminates the employee risk of taking cash to a bank branch.
• Can lower expenses associated with armored car services as frequency of pickups may be reduced.
• If your bank has online access to the cash deposits they may be willing to provide you advanced availability even though the cash may still be sitting in the safe. If your business consists of managing large amounts of cash, get safe smart.

Online Banking

Convenient Capture Login

Update Your Contact Info
and Earn $1

Personalize Your Debit Card

Sign Up for eStatements

Use Our Switch Kit to Join Today





Tags : , , , , , , , , , , ,

Business – First Capital Bank of Kentucky – Louisville, KY #starting #own #business

#business first louisville

#

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

Contact Us

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

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





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