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Alternative Venture Finance: Federal Grants and Loans
While most companies seeking venture capital initially think about angel investors and venture capitalists, a large alternative source of financing is federal grants and loans. The two largest federal grant programs are run by the Small Business Administration (SBA), and by Small Business Investment Companies (SBICs). An SBA loan, regardless of whether it is a direct loan from the SBA, or, as is more common, a bank loan guaranteed by the SBA, is essentially a bank loan. The benefit of it versus a traditional bank loan is the rate. SBA rates are typically much less than traditional business loan rates. In most cases, in a guaranteed SBA bank loan, the SBA guarantees 90 percent of the loan will be repaid to the bank. As such, banks are at much less risk than in most other loans, and are a bit more flexible with regards to who they offer these loans. However, the SBA usually requires the founders of the company to personally guarantee the loans, which makes them risky should the venture collapse. Alternatively, Small Business Investment Companies (SBICs) are privately organized corporations that are licensed and regulated by the SBA. Small or emerging businesses which qualify for assistance from the SBIC program can receive equity capital and/or long-term loans from these companies. Essentially, these companies provide their own capital, which is supplemented by federal funds, to the companies they fund. Interestingly, U.S. taxpayers benefit from the SBIC program as tax revenues generated from successful SBIC investments have more than covered the cost of the program. Likewise the program has created hundreds of thousands of jobs. In summary, SBA and SBIC financing are viable alternatives to financing from angel investors and venture capitalists and should be considered in the capital raising process. Similarly to angel and VC financing, companies seeking SBA and SBIC financing need a strong management team and value proposition, and a highly professional and compelling business plan in order to raise the capital they need. Growthink Business Plans have collectively raised over $750 million in financing, launched numerous new product and service lines and gained competitive advantage and market share. Growthink has become the firm of choice for venture capital firms, angel investors, corporations and entrepreneurs in the know. To download the Free 2005 Business Plan Guide, please visit www.growthink.com/businessplan">http://www.growthink.com/businessplan
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Guide to Personal Secured Loans Here is a useful guide to personal secured loans. A personal secured loan is the generic term for a loan. Why Choose a Personal Secured Loan? Listed below are some of the many reasons why choosing a personal secured loan makes good sense. Personal secured loans are also commonly known as a homeowner loan. Fast Payday Cash Loans Do you need fast cash to get your car fixed so you can drive it to work tomorrow? Is that computer you want on sale till Friday, but you're $100 short - and payday is Tuesday? If you need cash for something NOW and know that you'll be able to repay it in full on your next payday, then a payday cash loan may be just what you need to get you through.What are payday cash loans?Payday cash loans are one of the fastest growing segments of the financial industry. How to Finance a Small Business Confused by how to finance a small business? 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Car Loans for People With Bad Credit Car loans for people with bad credit are readily available online. After completing an online car loan application, you can expect an approval within a few minutes. No Fax Payday Loans Online for a Fast Cash Advance Loan For a fast cash advance loan, no fax payday loans are now available online. By completing your application online, you don't have to fax paycheck stubs or forms. Quickest Payday Loans - Things To Look For in a Cash Advance Company For The Fastest Loan Processing To find the quickest payday loans, you need to look for fast loan processing. Time delays occur in the type of processes cash advance companies use, such as faxing paperwork. A Guide to the Bad Credit Personal Loan Here is a useful guide to the bad credit personal loan. If you find yourself in need of extra money but without the good credit needed for an unsecured loan, you may want to consider getting a bad credit secured loan. 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Short Term Payday Loans - Use One Online To Get Cash Quick Short term payday loans are now available online. After filling out your application online, you can have an emergency loan deposited into your checking account the next day. No Money Down Real Estate - Fund All Your Deals With Private Lending!! If you invest in real estate, you need cash to buy houses. Even if you have a full bank account and great credit, you'll eventually run short on funds - or short on time to obtain a loan - for the next deal. Payday Loans or Cash Advance Loans - Useful After a Bankruptcy Payday loans, also known as cash advance, are a useful tool after bankruptcy. By keeping current on your bills through a payday loan, you can rebuild your credit history. Many People Have Realized the Convenience and Benefits of Online Personal Loans The Internet has provided a whole new dimension to obtaining a personal loan. Before lending companies were available on the World Wide Web, people were limited with their loan options and from where they could get a loan. A Guide to Finding Fast Homeowner Loans Sometimes finding fast homeowner loans can seem impossible? no matter what you do, it seems like traditional lenders such as banks and finance companies take way too long to process loan applications.Fast homeowner loans can be had, however? the hardest part is finding out where to look.
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