Tag: Programs

SBA Disaster Loan Application Deadlines Nears, sba loan programs.#Sba #loan #programs


SBA Disaster Loan Application Deadlines Nears

AUSTIN, Texas – Two important deadlines are ahead for Texans who are considering a loan through the U.S. Small Business Administration for recovery from the April storms and flooding.

Most survivors who registered with FEMA for disaster assistance were contacted by the SBA with information on the agency’s loan-interest disaster loans, as well as instructions on how to complete the loan application.

The deadline to submit the application for physical damage is June 24, 2016. The deadline for businesses to submit a loan application for economic injury is Jan. 25, 2017.

The SBA is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property, offering low-interest disaster assistance loans to businesses of all sizes, private nonprofit organizations, homeowners and renters.

Survivors may apply online using the electronic loan application via SBA’s secure website at disasterloan.sba.gov/ela.

Disaster loan information and application forms are also available from SBA’s customer service center by calling 800-659-2955 or emailing [email protected] Individuals who are deaf or hard‑of‑hearing may call 800-877-8339. For more disaster assistance information or to download applications, visit sba.gov/disaster.

Completed applications should be mailed to:

U.S. Small Business Administration

Processing and Disbursement Center

14925 Kingsport Rd.

Fort Worth, TX 76155

SBA loan applications should be submitted even as disaster survivors await an insurance settlement. The loan balance is reduced by the settlement. SBA loans may also be available for losses not covered by insurance.

Both FEMA and the SBA encourage Texans who suffered damage or loss from the April storms and were provided a loan application to complete the application. There is no obligation to take a loan if offered. If approved, and a survivor does not accept the loan, it may make them ineligible for additional federal assistance.

Homeowners may borrow up to $200,000 from SBA to repair or replace their primary residence.

Homeowners and renters may borrow up to $40,000 to repair or replace personal property.

Businesses may borrow up to $2 million for any combination of property damage or economic injury. SBA offers low-interest working capital loans—called Economic Injury Disaster Loans—to small businesses and most private nonprofit organizations of all sizes.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.


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SBA Loan Programs and Information, HCDC Lending, sba loan programs.#Sba #loan #programs


sba loan programs

Sba loan programs

Pogo Play

$1,230,000 Project Cost

$447,000 HCDC Debenture

Third-Party Lending Partner: Fifth Third Bank

Sba loan programs

The Roehr Agency

$1,787,018 Project Cost

$737,000 HCDC Debenture

Third-Party Lending Partner: CBank

Sba loan programs

Sunrise Treatment Center

$790,000 Project Cost

$328,000 HCDC Debenture

Third-Party Lending Partner: Huntington National Bank

SBA 504 Loans

Sba loan programs

Skyline Fairfield

$1,450,250 Project Cost

$602,000 HCDC Debenture

Third-Party Lending Partner: MainSource (Now First Financial) Bank

Sba loan programs

Dubwerx

$1,245,897 Project Cost

$518,000 HCDC Debenture

Third-Party Lending Partner: Republic Bank

Sba loan programs

Houdini’s Room Escape

$811,000 Project Cost

$297,000 HCDC Debenture

Third-Party Lending Partner: Spring Valley Bank

A Powerful Financing Tool

The U.S. Small Business Administration (SBA) 504 loan program provides small and medium-size businesses with long-term, low, fixed-rate financing for owner-occupied commercial real estate and heavy machinery projects. The inspiration behind the SBA 504 loan is to promote business investment and job creation by providing access to low down payment financing, so that small businesses can preserve cash to operate their business.

How does the SBA 504 Loan work?

The SBA 504 loan packages two loans together, one from HCDC and one from a private lending partner, such as a commercial bank or credit union. The structure of the loan is typically 50/40/10.

The lending partner makes a commercial loan typically 50% of the total project costs and holds a first mortgage.

HCDC provides a subordinated, fixed-interest rate, long-term loan for up to 40% of project cost up to $5 million ($5.5 million in special cases).

The borrower typically provides an equity injection of as little as 10% of the project cost.

Immediate and Long-Term Benefits for Small Businesses:

  • Borrower often needs only 10% down leaving more cash to run your business.
  • Low fixed-rate financing for the 504 portion of the loan- you don t have to worry about the prime lending rate going up for the 504 portion of the loan.
  • Long-term financing for 10 and 20 years- longer loan terms makes the monthly payments lower.
  • Minimize collateral risk with a first lien position and typically a 50% loan-to-value ratio.
  • Smaller banks can work on larger projects while bigger banks can limit exposure to certain industries.
  • Assist more customers by leveraging lending capacity across more borrowers.
  • Leverage the guarantee by the SBA to help customer who otherwise would not meet lending standards.
  • HCDC’s SBA Loan Experts will handle all the application paperwork, processing and review required by the SBA.
  • Provides Community Reinvestment Act credit.

Who Is Eligible for the 504 Loan Program?

  • For-profit corporations, partnerships and proprietorships.
  • Businesses whose net worth does not exceed $15,000,000.
  • Net profits must average less than $5,000,000 during the previous two years.

What Is Eligible for the 504 Loan Program?

  • Financing for land acquisition.
  • Financing for building acquisition or construction.
  • Financing for renovation or expansion.
  • Financing for machinery and equipment with a useful life of 10 years or more.
  • “Soft” costs for appraisals, general surveying, architectural work and installation.

Applicants Involved in the Following are Ineligible:

  • Speculative lending or investments.
  • Non-profit institutions.
  • Rental property held primarily for sale or investment.
  • Businesses appealing to sexual nature or prurient interests.

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SBA Disaster Loan Application Deadlines Nears, sba loan programs.#Sba #loan #programs


SBA Disaster Loan Application Deadlines Nears

AUSTIN, Texas – Two important deadlines are ahead for Texans who are considering a loan through the U.S. Small Business Administration for recovery from the April storms and flooding.

Most survivors who registered with FEMA for disaster assistance were contacted by the SBA with information on the agency’s loan-interest disaster loans, as well as instructions on how to complete the loan application.

The deadline to submit the application for physical damage is June 24, 2016. The deadline for businesses to submit a loan application for economic injury is Jan. 25, 2017.

The SBA is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property, offering low-interest disaster assistance loans to businesses of all sizes, private nonprofit organizations, homeowners and renters.

Survivors may apply online using the electronic loan application via SBA’s secure website at disasterloan.sba.gov/ela.

Disaster loan information and application forms are also available from SBA’s customer service center by calling 800-659-2955 or emailing [email protected] Individuals who are deaf or hard‑of‑hearing may call 800-877-8339. For more disaster assistance information or to download applications, visit sba.gov/disaster.

Completed applications should be mailed to:

U.S. Small Business Administration

Processing and Disbursement Center

14925 Kingsport Rd.

Fort Worth, TX 76155

SBA loan applications should be submitted even as disaster survivors await an insurance settlement. The loan balance is reduced by the settlement. SBA loans may also be available for losses not covered by insurance.

Both FEMA and the SBA encourage Texans who suffered damage or loss from the April storms and were provided a loan application to complete the application. There is no obligation to take a loan if offered. If approved, and a survivor does not accept the loan, it may make them ineligible for additional federal assistance.

Homeowners may borrow up to $200,000 from SBA to repair or replace their primary residence.

Homeowners and renters may borrow up to $40,000 to repair or replace personal property.

Businesses may borrow up to $2 million for any combination of property damage or economic injury. SBA offers low-interest working capital loans—called Economic Injury Disaster Loans—to small businesses and most private nonprofit organizations of all sizes.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.


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Loan Programs, South Eastern Economic Development (SEED) Corporation, sba loan programs.#Sba #loan #programs


Loan Programs

Sba loan programs

SEED Financing Programs

SEED operates four different loan programs, which provide funds in amounts ranging from $1,000 to $5.5 million. The programs are defined by both the dollar amount and use of the proceeds sought by the borrower except for the Micro Loan Program which often provides loans to start up businesses and those not yet bankable .

SEED s financing programs listed below are designed to work in conjunction with the lending including commercial institutions in the region:

SBA 504

Description: Fixed asset lending up to $5.5 million at competitive fixed rates.

Application Requirements: No application needed.

Revolving Loan Fund

Sba loan programsDescription: Gap financing up to $250,000 for working capital or fixed assets at below market interest rates.

Application Requirements: SEED application (.pdf)

Micro Loan

Description: Working capital and machinery and equipment loans up to $50,000 at competitive fixed interest rates.

Application Requirements: SEED application (.pdf)

For more information, please contact SEED Corp.

SEED is an equal opportunity lender and business assistance provider.

SEED Corporation, 80 Dean Street, Taunton, MA 02780

Quick Links

Sba loan programs Sba loan programs Sba loan programs Sba loan programs

Latest News

  • SEED Receives $25,000 from Rockland Trust for Small Business Technical Assistance November 6, 2017
  • SEED Makes Loan to Le Central Restaurant in Bristol, RI November 6, 2017
  • SEED Seeks a Commercial Loan Administrator and Part-Time Commercial Loan Assistant November 1, 2017

Copyright South Eastern Economic Development (SEED) Corporation | All rights reserved


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Carolina Business Capital, sba loan programs.#Sba #loan #programs


October 2017 20-Year Loan Fixed Rate: 4.635%

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    Do You Qualify?

    Take Our 9-Question Quiz and Find Out

    Sba loan programs

    Get Started on Your Carolina Business Capital Loan Today

    Everything you need to know and the steps to apply are just a click away

    Sba loan programs

    Sba loan programs

    If you are a small or medium-sized business owner in the North Carolina region and have faced the prospect of high down payments and restrictive loan criteria, take heart. Carolina Business Capital can offer you an attractive real estate and equipment loan program.

    Sba loan programs

    In a 504 loan, all project costs can be financed, including acquisition (land and building, land and construction of building, renovations, machinery and equipment) and soft costs such as title insurance, legal appraisal, environmental and bridge loan fees. Closing costs may be financed.

    Sba loan programs

    The 504 Loan Program allows business owners to leverage their investments, with financing up to 90% of the project cost. An additional 5% of equity may be required from the borrower if the building is considered for special use, or if the business is a new business. The borrower is required to occupy 51% of the building (60% in case of construction of a new building).

    Contact Us Today!

    Phone: (704) 373-1233 Fax: (704) 372-1280

    Carolina Business Capital

    1307 W. Morehead St. Ste 201 Charlotte, NC 28208

    Sba loan programs Sba loan programs Sba loan programs


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  • Thank You for Your Service – 4 Business Funding Programs for Veterans #ideas #to

    #business loans for veterans

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    Thank You for Your Service – 4 Business Funding Programs for Veterans

    September 24, 2014

    There are more than 2.4 million businesses operated by veterans nationwide, according to the SBA 2012 Veterans Report. Despite this growing trend towards entrepreneurship, funding options that specifically benefit veterans are difficult to find. Here are four unique funding programs if you are a veteran starting or expanding your business.

    1. Self-employment grants for service-disabled veterans. Service-disabled veterans can connect with a self-employment program offered through the Veterans Administration.

    Participants are required to submit a feasible and complete business plan for any funding considerations. As part of the process, veterans are assigned to either Category I or Category II. Those categories determine the level of self-employment funding may be available.

    Veterans designated Category I have the most serve service-connected disabilities and self-employment is considered a viable option. Category II is designated for veterans with serious employment challenges but not considered severe.

    Depending on the category, veterans can obtain a grant to fund purchase of equipment, inventory, supplies, training, licensing fees and marketing. Veterans interested in the program can contact their local VA office where a counselor will help them qualify for the self-employment program. Funds allocated for start-up enterprises are grants that do not have to repaid.

    2. Angel investment group supporting veterans. Hivers and Strivers is an angel investment group funding early-stage investments in start-up companies founded and run by graduates of the U.S. military academies. The company generally invests $250,000 to $1 million in a single round.

    A company seeking larger rounds can actively look to other investor groups in the Hivers and Strivers network for additional funds. Their goal is to support veteran entrepreneurs through a successful exit with a return 10 times the initial investment. Veterans can learn more about Hivers and Strivers and complete an application available on the front page of the company website.

    3.Venture capital fund serving veterans. The Veterans Opportunity Fund (VOF) is the first venture capital fund formed to invest in businesses that are started, owned and/or managed by veterans of the United States armed forces. The investments range up to $3 million.

    The fund focuses on companies based on the East Coast. The industries of interest include technology, healthcare, business services,and specialty manufacturing. The stage of interest is at early revenue or after a product or service can be evaluated.

    Veterans interested in pursuing an opportunity with VOF can submit a business plan directly through the company website.

    4. Online lending platform for veterans. Street Shares is an online lending platform designed to connect investors and small business owners to support veterans starting or expanding their business. Veteran-owned businesses can apply online in about 10 minutes.

    The online auction periods have ranged from five to 30 days. Business owners pitch directly to lenders for loans of $5,000 to $50,000 with one, three, of five-year terms. Accredited investors can fund any portion of up to 90 percent of the requested loan amount with bids as low as $25 per business. StreetShares takes the first 10 percent. Co-founder Mark Rockefeller describes the platform as Shark Tank meets eBay.

    While each of these programs follows standard due diligence in their funding, their social-driven goals include increasing the number of veteran-owned businesses nationwide.


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    Thank You for Your Service – 4 Business Funding Programs for Veterans #green #business


    #business loans for veterans

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    Thank You for Your Service – 4 Business Funding Programs for Veterans

    September 24, 2014

    There are more than 2.4 million businesses operated by veterans nationwide, according to the SBA 2012 Veterans Report. Despite this growing trend towards entrepreneurship, funding options that specifically benefit veterans are difficult to find. Here are four unique funding programs if you are a veteran starting or expanding your business.

    1. Self-employment grants for service-disabled veterans. Service-disabled veterans can connect with a self-employment program offered through the Veterans Administration.

    Participants are required to submit a feasible and complete business plan for any funding considerations. As part of the process, veterans are assigned to either Category I or Category II. Those categories determine the level of self-employment funding may be available.

    Veterans designated Category I have the most serve service-connected disabilities and self-employment is considered a viable option. Category II is designated for veterans with serious employment challenges but not considered severe.

    Depending on the category, veterans can obtain a grant to fund purchase of equipment, inventory, supplies, training, licensing fees and marketing. Veterans interested in the program can contact their local VA office where a counselor will help them qualify for the self-employment program. Funds allocated for start-up enterprises are grants that do not have to repaid.

    2. Angel investment group supporting veterans. Hivers and Strivers is an angel investment group funding early-stage investments in start-up companies founded and run by graduates of the U.S. military academies. The company generally invests $250,000 to $1 million in a single round.

    A company seeking larger rounds can actively look to other investor groups in the Hivers and Strivers network for additional funds. Their goal is to support veteran entrepreneurs through a successful exit with a return 10 times the initial investment. Veterans can learn more about Hivers and Strivers and complete an application available on the front page of the company website.

    3.Venture capital fund serving veterans. The Veterans Opportunity Fund (VOF) is the first venture capital fund formed to invest in businesses that are started, owned and/or managed by veterans of the United States armed forces. The investments range up to $3 million.

    The fund focuses on companies based on the East Coast. The industries of interest include technology, healthcare, business services,and specialty manufacturing. The stage of interest is at early revenue or after a product or service can be evaluated.

    Veterans interested in pursuing an opportunity with VOF can submit a business plan directly through the company website.

    4. Online lending platform for veterans. Street Shares is an online lending platform designed to connect investors and small business owners to support veterans starting or expanding their business. Veteran-owned businesses can apply online in about 10 minutes.

    The online auction periods have ranged from five to 30 days. Business owners pitch directly to lenders for loans of $5,000 to $50,000 with one, three, of five-year terms. Accredited investors can fund any portion of up to 90 percent of the requested loan amount with bids as low as $25 per business. StreetShares takes the first 10 percent. Co-founder Mark Rockefeller describes the platform as Shark Tank meets eBay.

    While each of these programs follows standard due diligence in their funding, their social-driven goals include increasing the number of veteran-owned businesses nationwide.


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    Find Online Business Systems Programs #business #name #generator


    #online business systems

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    Online Business Systems Programs

    For some, a traditional education may not be an option, due either to high tuition rates or schedule conflicts. Onl

    With today’s varied and growing economy, it’s easy to understand why business is such a popular major. Students can choose to specialize

    After the economic shock of the last few years, things are looking up for business school graduates, according to some recent employer surveys. More than 40% of traditional

    To pursue higher education in business beyond the undergraduate level means you have plenty of choices to make. Rankings for universities and colleges of business and business-related pr

    The Graduate Management Admission Test (GMAT) is required for admission to over 4,800 graduate business programs. The GMAT measures verbal, analytical writing, and mathematical skills, and taking


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    International Public Health – Sydney School of Public Health – The University of Sydney

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    The University of Sydney – Sydney School of Public Health

    International Public Health

    The Master of International Public Health focuses on improving health outcomes in developing countries. This course will teach you how to apply public health principles in some of the most challenging and demanding conditions in the world.

    Why study international public health with us?

    • You will have the opportunity to undertake national and international placements and apply knowledge learnt in class to real world projects with location based organisations
    • Students learn how to apply public health principles to disadvantaged countries and communities
    • This course is taught by highly experienced academic staff who have worked internationally in countries such as Bangladesh, China, Indonesia, Myanmar, Vietnam, Kenya, Tanzania and Uganda
    • You will be part of teams and involved in projects that are making a real difference in disadvantaged international communities
    • You can tailor your study schedule around your lifestyle and other commitments with our flexible study options, ideal for full-time workers.

    Who should study this course?

    Medical and non-medical graduates that are passionate about improving the health outcomes of the lives of people living in developing countries.

    Graduate opportunities

    The course provides advanced postgraduate training for students who intend to pursue a career in the field of public health, including research, in-field and policy positions at government ministries, non-government organisations, academic institutions or research centres, both nationally and internationally.

    Course options

    Additional information

    • Face-to-face, online or blended learning opportunities
    • One year full-time and part-time options available
    • Short course/personal development options – enrol in a normal unit of study without a Masters or Graduate Diploma to improve your skills in public health.

    Meet our alumni

    Dr Margaret Harris
    Senior Scientific Writer, World Health Organization (WHO)

    I returned to the university to further my expertise in the disciplines of health risk communications, advocacy and health promotion. The diversity of studying the Masters of International Public Health made it a highly stimulating and fulfilling year for me. I learned so much from my fellow students, and lessons I continue to find useful in my current work.”

    Amy Simpson
    Public Health Coordinator, International SOS

    I enjoyed studying with fellow international students, the brightest among their professional fields from all over the world. The teaching staff all has very prolific careers and brought a vast array of experience and real-life examples to learn from. The alumni network also helped me find out about global career opportunities.

    Dr Greg Fox
    Senior Lecturer in Respiratory Medicine, Sydney Medical School
    Tuberculosis Researcher, Woolcock Institute

    “When I finished the Master of International Public Health, I moved to Vietnam and worked on a collaborative project between the University of Sydney and the National Tuberculosis Program to enhance detection of tuberculosis.

    One of the strengths of the course is the diversity of the students. There are people from health and non-health backgrounds, and they brought who whole range of different perspectives to our discussions.

    I hope to continue to work alongside our colleagues in Vietnam and other countries to try and transfer skills and research and to build the capacity of doctors to answer their own questions.”


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    Washington State Teacher Certification Requirements, Washington Teacher Certification, louisiana teacher certification programs.#Louisiana #teacher #certification

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    Washington State Teacher Certification Requirements

    Teaching certification is a required credential for teachers and other education professionals. Get some quick facts about the education, training and testing requirements necessary to qualify for jobs across the state of Washington.

    Washington state teacher certification involves completing a bachelor’s degree, teacher preparation and an internship before pursuing certification. Basic certification involves passing state exams. After two years of teaching experience it’s possible to pursue professional certification, which also includes character and fitness testing and a background check.

    Essential Information

    There are two levels for teacher certification within the state of Washington. The basic level is for those educators without much experience. It requires a minimum of a bachelor’s degree along with completion of a teacher’s preparation program and endorsement skills examinations. The professional level is for those educators with a basic certification who also have a minimum of two years teaching in a state school. This level of certification also requires a background check and character and fitness evaluation.

    WEST-E (content specific)*

    Character and fitness supplement*

    Source: *Office of Superintendent of Public Instruction in Washington

    Washington State Residency Teacher Certification

    The first level of certification available to teachers in Washington is the Residency Teaching Certificate. A Residency Teaching Certificate is obtained after passing the basic and endorsement skills examinations. Additionally, teachers must have earned a bachelor’s degree or higher from an accredited university, as well as completed a teacher preparation program and an internship.

    This level also allows one to become a substitute teacher for life in Washington. Substitutes can teach for up to 30 school days in a row.

    Washington State Basic Skills Test Requirements

    The first requirement needed to gain teaching certification in Washington state is to pass the Washington Educator Skills Test-Basic (WEST-B) examinations, which cover math, reading and writing. Teaching candidates that come from outside of the state of Washington can apply previously passed tests in lieu of taking the WEST-B. In California and Oregon, the CBEST is used. In other states, the Praxis or PPST is used.

    Washington State Content Area Test Requirements

    The second requirement necessary for achieving certification to teach in Washington is passing the Washington Educator Skill Test-Endorsement (WEST-E) exam. The WEST-E test focuses on a number of content areas required for teaching specific subjects. The entire list is much to long to list; however, most areas can be combined into groups. Those areas include:

    • Artistic (dance, music, theater and visual arts)
    • Science (biology, chemistry and other sciences)
    • Education (languages, traffic safety, technology and special education)

    Find schools that offer these popular programs

    • Teacher Education, Multiple Levels
    • Teaching, Adults
    • Teaching, Elementary
    • Teaching, High School
    • Teaching, Junior High
    • Teaching, Kindergarten and Preschool
    • Teaching, Waldorf and Steiner Education
    • Teaching, Young Children

    Professional Certification

    An advanced level certification known as the professional certification can be achieved for Residency Teaching Certificate holders who also have two years of teaching experience with an approved state school. The professional certificate testing was created by the Professional Educator Standards Board. They use three standards and 12 criteria as part of their test measurements.

    Once completed, candidates must also complete a character and fitness supplement, as well as clear their fingerprints with the Washington State Patrol and FBI.

    Teaching Certificate Exemptions

    The National Board for Professional Teaching Standards (NBPTS) offers teaching certificate exemptions for those who have valid NBPTS certificates in a subject area or grade level similar to Washington state’s endorsement requirement in that area. In order to obtain NBPTS certification, applicants must meet certain requirements. The NBPTS requires that individuals have a bachelor’s degree, a minimal of three years of teaching or counseling experience and a valid teaching license during those three or more years. For states where a teaching license is not required, then the individual must have taught in schools that were approved to operate within that state.

    Achieving NBPTS certification allows an individual to maintain state teaching certification for ten years. The NBPTS certificate satisfies the professional certificate requirements.

    Career Information

    Salary information provided by the U.S. Bureau of Labor Statistics (BLS) shows that in Washington state, as of May 2015, high school teachers earned a mean annual wage of $61,920 while middle school teachers earned a mean annual wage of $61,260. The mean annual wage for elementary teachers was $60,140.

    While the BLS does not supply regional employment growth information for teachers, it does indicate that the 2014-2024 growth for elementary, middle and high school teachers in the nation is expected to be 6%.

    Basic Washington teacher certification can be pursued after an individual has completed a bachelor’s degree, teacher training and an internship. Professional certification is an option after two years of teaching experience, and teachers can also opt to take the Residency Teaching Certificate, which enables them to be a substitute teacher in the state of Washington for life.


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