Table of contents for How to get the financing for your new small business : innovative solutions from the experts who do this everyday / Sharon Fullen.

Bibliographic record and links to related information available from the Library of Congress catalog.

Note: Contents data are machine generated based on pre-publication provided by the publisher. Contents may have variations from the printed book or be incomplete or contain other coding.


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Introduction	8
Did You Know?	8
Money, Money, Money	8
Chapter 1 - Learning Your Money Formula	9
Be Prepared	9
Develop an Elevator Speech	9
Know Your Investors	9
Focus Your Search	9
Plan Ahead	10
Be Flexible	10
Remember to Mind the Store	10
Build a Strong Team	10
Write a Lean and Mean Business Plan	10
Compare Ownership vs. Control	10
Stay on the Right Side of the Law	11
Hire a Lawyer	11
Create Strong Agreements	11
Keep Good Corporate Records	11
Write Good Employee Policies	11
Define Partnership Agreements	12
Protect Yourself	12
Secure Your Intellectual Property	12
Resolve Conflicts Wisely	12
Capital Budgeting	12
Chapter 2-The Money Is Out There	14
Before You Search	14
Exploring the Options	14
What Will You Do to Finance Your Dream?	15
Available Financing Sources	15
Give It!-Your Personal Investment	15
Home Equity Loans	16
Leveraging Your Credit	16
Borrow It - Loans to Repay	17
Loans from Family and Friends	17
Loans from Commercial Lenders	17
Other Financing Methods	17
Sell It!-Shared Ownership	18
Family and Friends	18
Earn It!-Creative Ways to Raise Cash (and Other Good Stuff)	19
Pledge It!-Good for You and Your Community	20
Share It!-Win-Win Situations	20
Chapter 3-Your Business Plan	21
Sounding Great	21
The Business Plan	21
Who Will Need Your Business Plan?	22
Confidentiality and Nondisclosure Agreements	22
The Structure of the Plan	23
Your Plan Outline	23
Who Should Write My Plan	25
What It Will Cost You	26
Searching for a Business Plan Writer	26
Tell Them What You Need	26
Tell Them What You Want	26
Tell Them When You Need It	27
Tell Them What Resources You Have	27
Write an RFP	27
If I Could Only Write an RFP	27
Contracts & Agreements	27
Help I'm Writing My Own Business Plan	28
Web-based Advice	28
Business Plan Classes	28
Seminar Workshops	29
Software-specific Classes	29
Books	29
Business Plan Software	29
Too Good to Be True	29
Try Before You Buy	29
Accounting Software	29
Word Processing Software	30
Spreadsheet Software	30
Presentation Software	30
More Free Templates	30
Business Plan Specific Software	30
Stand-alone Products	31
Template Products	32
For Mac Users	32
Online Planning	32
Check with a Trade Association	32
Still Don't Know What to Buy?	33
"Blank Screen, Go Away"	33
Coping with Writer's Anxiety	33
Writing Error Free	33
Does Your Plan...	33
Presentation of the Plan	35
Plan Writing Tips	35
Chapter 4-Investing in Your Own Dream	40
Your Personal Financial Health	40
Clean It Up Yourself	41
Improve Your Credit Score	41
Create an Asset List	41
Other Ways to Raise (or Save) Cash	43
Bartering	43
Chapter 5-Neither a Borrower nor a Lender Be	44
Should You Ask?	44
Know How Much You Need	44
Borrowing from Family or Friends	44
Thanks for the Gift	46
Money from Trusts and Inheritances	47
Chapter 6-Your Loan Proposal	48
More Than an Application	48
Essential Components of a Loan Proposal	48
Loan Request Summary	48
Your Financial Statements	49
The Income Statement	50
Statement of Capital	50
The Balance Sheet	50
Cash -flow Statement	50
Financial Statements	51
Chapter 7-Valuation of Your Business	53
An Elusive Figure	53
Comparables	54
The Venture Capital Method	55
The First Chicago Method	55
Ownership Dilution	55
Discounted Cash Flow	55
Asset Appraisal	56
Chapter 8-Debt Financing Versus Equity Financing	57
Financing Types	57
Debt Financing	57
Equity Financing	58
Chapter 9-Uncle Sam Helps Out	60
The 7(a) Loan Guaranty Program	60
The Guarantee	60
The Interest	61
Maturity Schedules	61
7(a) Eligibility	61
The Application Package	62
Prequalification Program	62
Your Personal Guarantee	62
Prohibited Fees	62
Prepayment Fees	62
Special Purpose Programs	63
Disabled Assistance Loan (DAL) Program	63
7(a)11 Program	63
Solar Energy and Conservation Loan Program	63
Export Working Capital Program	63
International Trade Loan Program	64
Employee Trust Loan Program	64
Veterans' Loan Program	64
Pollution Control Loan Program	64
Defense Economic Transition Loan Program	64
LowDoc Program	64
SBA Express Loan Program	64
SBA Export Express Loan Program	64
Community Express Loan Program	64
CAPLines Loan Program	65
Ineligibility for 7(a) Loans	65
Section 504 Program (CDC Loan Program)	65
SBA Loan Drawbacks	66
The Application Process	66
Small Business Investment Corporations (SBICs)	66
Obtaining SBIC Funding	67
Chapter 10-Grants	68
Searching For Grants	68
Grants for Nonprofits	68
Private Grants	69
Grant Writing Assistance	69
Hiring a Grant Writer	69
Caveat Emptor	69
It Takes Time	70
Chapter 11-Venture Capital	71
About Venture Capitalists (VCs)	71
Is Venture Capital The Way to Go?	71
Are They Interested in Your Idea?	71
Reward vs. Risk	72
Stages of Financing	73
Finding a Venture Capitalist	74
Make It Find You	74
Find a Seeker	75
Chapter 12-Investor Angels	79
Who Are Angels?	79
The Equity Choice	79
Angel Support	79
Exploring the Types of Angels	79
Angels, Generally Speaking	80
Other Angel Traits	 81
Recent Angel Trends 	82
The Dot Com Boom	82
Getting Back on Track	82
The Angel's Challenges	82
From the Angel's Perspective	82
Active Capital-the SBA Connection	83
Attracting Angel Investors	84
What Angels Want	84
Making Contact	85
What Angels Look For In Entrepreneurs	87
Chapter 13-Initial Public Offerings (IPOs)	89
The Big Decision	89
Benefits and Drawbacks	89
Paperwork...Paperwork...Paperwork	90
IPO Preparation	91
Your Comment Period	94
Your Quiet Period	95
Post-IPO Activity	96
Up-to-date Information	96
Chapter 14-Direct Public Offerings (DPOs)	97
The Function of the DPO	97
Different Ways to Proceed	97
The Benefits of a DPO	98
The Trouble with DPOs	98
Selling Your DPO	99
The Power of the Web	99
The DPO Project Manager	101
Chapter 15-Strategic Alliances	102
Mergers	102
Taxable and Tax-postponed Mergers	103
Common Merger Procedures	103
Leverage	105
Financial Leverage	105
Operating Leverage	106
Chapter 16-Legal Considerations	107
Accredited Investors	107
Blue-sky Statutes	107
Conflicts of Interest	107
The Equal Credit Opportunity Act (ECOA)	107
Legalities Concerning Family and Friends Investments	107
IPO Regulations	108
Private Placement Memorandum (PPM)	108
Angel Solicitation	108
Securities Regulations	108
Chapter 17-Other Financing Methods	110
Credit Cards	110
Customer Financing	112
Employee Stock Ownership Plans (ESOPs)	112
Equity Loans	112
Purchase Order Financing	113
Leasing Versus Buying	113
Differences in Lease Types	114
Deciding Whether to Lease or Buy	114
Chapter 18-The Pitch	116
First Impressions Are Critical	116
Looking Good - Physical Preparedness	116
Exceptions to the Rules Above	117
High Anxiety	117
Getting Your Brain Ready - Mental Preparedness	118
Don't Worry	118
Your Ideas (and Soul) on Display - Emotional Preparedness	118
Know the Truth	118
Dealing with No	119
Passion Speaks	119
Rehearse, Rehearse, Rehearse	119
Ready for Success	119
Chapter 19-Glossary 	121
Chapter 20-Resources	123
Angel Investor Resources	123
Bartering Resources	123
Business Plan Resources	123
Business Structure	124
Credit Bureau Addresses	124
Credit Reporting/Scores	124
Debt Financing Resources	124
DPO Resources	125
Equity Financing Resources	125
Feasibility Study Resources	126
Financial Statements Resources	126
General Business Financing Information	126
Industry Demographics and Research	126
IPO Resources	126
Leverage Resources	126
Loan Glossary	127
Loan Proposal Resources	127
Research Methods	127
SBA Financing Resources	127
State-by-State Directory of SBA District Offices:	128
Small Business Development and Support	135
Training Classes, Seminars, Workshops, and Web-based Education	135
Valuation Resources	135
Venture Capital Resources	136
State-by-State Directory of Venture Capital Clubs and Networks	136

Library of Congress Subject Headings for this publication:

Small business -- Finance.
New business enterprises -- Finance.