Small Business Lending

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Fintech, Small Business & the American Dream

Author : Karen G. Mills
Publisher : Springer
ISBN 13 : 3030036200
Total Pages : 202 pages
Book Rating : 4.0/5 (3 download)

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Book Synopsis Fintech, Small Business & the American Dream by : Karen G. Mills

Download or read book Fintech, Small Business & the American Dream written by Karen G. Mills and published by Springer. This book was released on 2019-03-12 with total page 202 pages. Available in PDF, EPUB and Kindle. Book excerpt: Small businesses are the backbone of the U.S. economy. They are the biggest job creators and offer a path to the American Dream. But for many, it is difficult to get the capital they need to operate and succeed. In the Great Recession, access to capital for small businesses froze, and in the aftermath, many community banks shuttered their doors and other lenders that had weathered the storm turned to more profitable avenues. For years after the financial crisis, the outlook for many small businesses was bleak. But then a new dawn of financial technology, or “fintech,” emerged. Beginning in 2010, new fintech entrepreneurs recognized the gaps in the small business lending market and revolutionized the customer experience for small business owners. Instead of Xeroxing a pile of paperwork and waiting weeks for an answer, small businesses filled out applications online and heard back within hours, sometimes even minutes. Banks scrambled to catch up. Technology companies like Amazon, PayPal, and Square entered the market, and new possibilities for even more transformative products and services began to appear. In Fintech, Small Business & the American Dream, former U.S. Small Business Administrator and Senior Fellow at Harvard Business School, Karen G. Mills, focuses on the needs of small businesses for capital and how technology will transform the small business lending market. This is a market that has been plagued by frictions: it is hard for a lender to figure out which small businesses are creditworthy, and borrowers often don’t know how much money or what kind of loan they need. New streams of data have the power to illuminate the opaque nature of a small business’s finances, making it easier for them to weather bumpy cash flows and providing more transparency to potential lenders. Mills charts how fintech has changed and will continue to change small business lending, and how financial innovation and wise regulation can restore a path to the American Dream. An ambitious book grappling with the broad significance of small business to the economy, the historical role of credit markets, the dynamics of innovation cycles, and the policy implications for regulation, Fintech, Small Business & the American Dream is relevant to bankers, fintech investors, and regulators; in fact, to anyone who is interested in the future of small business in America.

The SBA Loan Book

Author : Charles H Green
Publisher : Simon and Schuster
ISBN 13 : 1440510024
Total Pages : 178 pages
Book Rating : 4.4/5 (45 download)

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Book Synopsis The SBA Loan Book by : Charles H Green

Download or read book The SBA Loan Book written by Charles H Green and published by Simon and Schuster. This book was released on 2010-12-18 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt: Spurred by President Obama, the Small Business Association has stepped up its loan program to companies around the nation. But to receive an SBA-guaranteed loan, firms must navigate a complex course of processes, qualifications, documentation, and approvals. You need this new edition of Charles Green's invaluable book to chart the best way to apply for and get an SBA loan. Green wastes no time in showing: Why an SBA loan guarantee is a good option in tough economic times How to choose the right bank at a time when many banks have failed and credit is tight What the new rules and regulations say about the paperwork and documentation loan applicants must supply In today's turbulent economic climate, solid financial backing is the key to small business survival. And this fully updated guide to SBA loans will help you land it.

The SBA Loan Book

Author : Charles H Green
Publisher : Adams Media
ISBN 13 : 9781593372897
Total Pages : 0 pages
Book Rating : 4.3/5 (728 download)

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Book Synopsis The SBA Loan Book by : Charles H Green

Download or read book The SBA Loan Book written by Charles H Green and published by Adams Media. This book was released on 2005-06-01 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The SBA Loan Book, 2nd Edition provides you with step-by-step instructions on how to maneuver through the complex maze of eligibility, qualification, and approval needed to get SBA financing. This edition includes the most up-to-date information on policy changes including Revision E, the 504 program, and the SBA Express program. The SBA Loan Book, 2nd Edition gives you answers to your most important questions, including how to: Increase your chances of getting a loan Fill out a loan application Present yourself to lenders Consider your options for SBA-guaranteed loans Close your loan fast In addition, you'll learn how to appeal a lender's denial, as well as how to approach a loan request if you've previously filed bankruptcy. The SBA Loan Book, 2nd Edition also includes the latest resources and forms. AUTHOR: Charles H. Green is a vice president with Sunrise Bank, one of the leading SBA lending banks in the nation. He has appeared on CNN, CNBC, and Bloomberg Business News. He lives in Atlanta, GA.

The State Small Business Credit Initiative (SSBCI)

Author : Marcus Powell
Publisher : Nova Science Publishers
ISBN 13 : 9781624174827
Total Pages : 0 pages
Book Rating : 4.1/5 (748 download)

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Book Synopsis The State Small Business Credit Initiative (SSBCI) by : Marcus Powell

Download or read book The State Small Business Credit Initiative (SSBCI) written by Marcus Powell and published by Nova Science Publishers. This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The SSBCI provides funding to states, territories, and eligible municipalities to expand existing or to create new state small business investment programs, including state capital access programs, collateral support programs, loan participation programs, loan guarantee programs, and venture capital programs. This book examines the SSBCI and its implementation, including Treasury's response to initial program audits conducted by the U.S. Government Accountability Office and Treasury's Office of Inspector General. These audits suggested that SSBCI participants were generally complying with the statute's requirements, but that some compliance problems existed, in that, the Treasury's oversight of the program could be improved; and performance measures were needed to assess the program's efficacy.

Where are We Now?

Author : United States. Congress. House. Committee on Small Business. Subcommittee on Economic Growth, Capital Access, and Tax
Publisher :
ISBN 13 :
Total Pages : 82 pages
Book Rating : 4.:/5 (319 download)

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Book Synopsis Where are We Now? by : United States. Congress. House. Committee on Small Business. Subcommittee on Economic Growth, Capital Access, and Tax

Download or read book Where are We Now? written by United States. Congress. House. Committee on Small Business. Subcommittee on Economic Growth, Capital Access, and Tax and published by . This book was released on 2014 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Business Funding For Dummies

Author : Helene Panzarino
Publisher : John Wiley & Sons
ISBN 13 : 1119111595
Total Pages : 432 pages
Book Rating : 4.1/5 (191 download)

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Book Synopsis Business Funding For Dummies by : Helene Panzarino

Download or read book Business Funding For Dummies written by Helene Panzarino and published by John Wiley & Sons. This book was released on 2016-04-11 with total page 432 pages. Available in PDF, EPUB and Kindle. Book excerpt: Get the business funding you need to secure your success The issue of funding is one of the biggest pain points for small- and medium-sized businesses—and one that comes up on a daily basis. Whether you're unsure about how to go about getting a loan, unfamiliar with the different options available to you or confused as to which would be the right solution for your particular business, Business Funding For Dummies provides plain-English, down-to-earth guidance on everything you need to successfully fund your business venture. Friendly, authoritative, and with a dash of humor thrown in for fun, this hands-on guide takes the fear out of funding and walks you step-by-step through the process of ensuring your business is financially viable. From crowd funding and angels to grants and friends, families, and fools, it covers every form of funding available—and helps you hone in on and secure the ones that are right for your unique needs. Includes mini case studies, quotes, and plenty of examples Offers excerpts from interviews with financiers and entrepreneurs Topics covered include all forms of funding Covers angels in the UK and abroad If you're the owner or director of a small-to-medium-sized business looking to start an SME, but have been barking up the wrong tree, Business Funding For Dummies is the fast and easy way to get the funds you need.

Operations of the secondary market for SBA guaranteed loans

Author : United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business Opportunities
Publisher :
ISBN 13 :
Total Pages : 60 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis Operations of the secondary market for SBA guaranteed loans by : United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business Opportunities

Download or read book Operations of the secondary market for SBA guaranteed loans written by United States. Congress. House. Committee on Small Business. Subcommittee on Tax, Access to Equity Capital, and Business Opportunities and published by . This book was released on 1985 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Loans to Small Businesses

Author : American Bankers Association. Small Business Credit Committee
Publisher :
ISBN 13 :
Total Pages : 38 pages
Book Rating : 4.3/5 (512 download)

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Book Synopsis Loans to Small Businesses by : American Bankers Association. Small Business Credit Committee

Download or read book Loans to Small Businesses written by American Bankers Association. Small Business Credit Committee and published by . This book was released on 1969 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Small Business Administration's 7(a) Business Loan Program

Author : United States. Congress. Senate. Committee on Small Business
Publisher :
ISBN 13 :
Total Pages : 198 pages
Book Rating : 4.0/5 (18 download)

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Book Synopsis The Small Business Administration's 7(a) Business Loan Program by : United States. Congress. Senate. Committee on Small Business

Download or read book The Small Business Administration's 7(a) Business Loan Program written by United States. Congress. Senate. Committee on Small Business and published by . This book was released on 1995 with total page 198 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Small Business Lending Fund

Author : Congressional Research Service
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781502915436
Total Pages : 38 pages
Book Rating : 4.9/5 (154 download)

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Book Synopsis The Small Business Lending Fund by : Congressional Research Service

Download or read book The Small Business Lending Fund written by Congressional Research Service and published by Createspace Independent Publishing Platform. This book was released on 2014-10-16 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt: Congressional interest in small business access to capital has increased in recent years because of concerns that small businesses might be prevented from accessing sufficient capital to enable them to assist in the economic recovery. Some, including President Obama, have argued that the federal government should provide additional resources to assist small businesses in acquiring capital necessary to start, continue, or expand operations and create jobs. Others worry about the long-term adverse economic effects of spending programs that increase the federal deficit. They advocate business tax reduction, reform of financial credit market regulation, and federal fiscal restraint as the best means to assist small businesses and create jobs. This report focuses on the SBLF. It opens with a discussion of the supply and demand for small business loans. The SBLF's advocates argued that the SBLF was needed to enhance the supply of small business loans. The report then examines other arguments that were presented both for and against the program. Advocates argued that the SBLF would increase lending to small businesses and, in turn, create jobs. Opponents argued that the SBLF could lose money, lacked sufficient oversight provisions, did not require lenders to increase their lending to small businesses, could serve as a vehicle for TARP recipients to effectively refinance their TARP loans on more favorable terms with little or any resulting benefit for small businesses, and could encourage a failing lender to make even riskier loans to avoid higher dividend payments.

Access to Capital

Author : United States. Congress. House. Committee on Small Business
Publisher :
ISBN 13 :
Total Pages : 80 pages
Book Rating : 4.:/5 (318 download)

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Book Synopsis Access to Capital by : United States. Congress. House. Committee on Small Business

Download or read book Access to Capital written by United States. Congress. House. Committee on Small Business and published by . This book was released on 2011 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Small Business Administration

Author : National Performance Review (U.S.)
Publisher :
ISBN 13 :
Total Pages : 44 pages
Book Rating : 4.:/5 (319 download)

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Book Synopsis Small Business Administration by : National Performance Review (U.S.)

Download or read book Small Business Administration written by National Performance Review (U.S.) and published by . This book was released on 1993 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:

To Create the Small Business Lending Fund Program to Direct the Secretary of the Treasury to Make Capital Investments in Eligible Institutions in Order to Increase the Availability of Credit for Small Businesses, and for Other Purposes

Download To Create the Small Business Lending Fund Program to Direct the Secretary of the Treasury to Make Capital Investments in Eligible Institutions in Order to Increase the Availability of Credit for Small Businesses, and for Other Purposes PDF Online Free

Author : United States. Congress. House. Committee on Financial Services
Publisher :
ISBN 13 :
Total Pages : 40 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis To Create the Small Business Lending Fund Program to Direct the Secretary of the Treasury to Make Capital Investments in Eligible Institutions in Order to Increase the Availability of Credit for Small Businesses, and for Other Purposes by : United States. Congress. House. Committee on Financial Services

Download or read book To Create the Small Business Lending Fund Program to Direct the Secretary of the Treasury to Make Capital Investments in Eligible Institutions in Order to Increase the Availability of Credit for Small Businesses, and for Other Purposes written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2010 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Small Businesses' Access to Capital

Author : United States. Congress. House. Committee on Small Business
Publisher :
ISBN 13 :
Total Pages : 128 pages
Book Rating : 4.0/5 ( download)

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Book Synopsis Small Businesses' Access to Capital by : United States. Congress. House. Committee on Small Business

Download or read book Small Businesses' Access to Capital written by United States. Congress. House. Committee on Small Business and published by . This book was released on 1996 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Getting a Business Loan

Author : Ty Kiisel
Publisher : Apress
ISBN 13 : 1430249994
Total Pages : 194 pages
Book Rating : 4.4/5 (32 download)

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Book Synopsis Getting a Business Loan by : Ty Kiisel

Download or read book Getting a Business Loan written by Ty Kiisel and published by Apress. This book was released on 2013-11-27 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt: Every day, Main Street businesses wrestle with the challenge of finding the cash to finance growth or use as working capital. The local banker often wants a credit score of 720, three or more years in business, and a fat savings account. No wonder local bankers approve only 10% of loan applications. Getting a Business Loan: Financing Your Main Street Business shares something your local banker might not want you to know—small business owners have options. And this book describes those alternative lending sources in detail, as well as traditional sources of funding like banks and credit unions. Half of all business startups don’t make past their fifth birthday—and often because they can’t find the financing required to sustain their operations. Whether you own a small restaurant, a bicycle shop, a hardware store, a small manufacturing company, or a service business, Getting a Business Loan offers easy-to-understand descriptions of loan options that can keep you going, as well as practical advice on where to look for money and how to apply. What would you do with an extra $40,000? Expand your restaurant? Hire a new employee to fulfill a new contract? Buy a needed piece of equipment? Getting a Business Loan will: Detail how bankers look at you and your loan application Explain the menu of non-bank financing options available to business owners, like asset-based lending, factoring, merchant cash advance, local “hard money,” and more Show how to locate potential lenders via the Internet and other means Show how to prepare before you visit the lender or fill out an application Main Street businesses aren’t limited by the local bank’s footprint any more. There are people and institutions all across the country that lend money to small business owners. If you want to find the money you need to strengthen and expand your business, Getting a Business Loan will show you how.

Initiatives to Promote Small Business Lending, Jobs, and Economic Growth

Author : United States. Congress. House. Committee on Financial Services
Publisher :
ISBN 13 :
Total Pages : 152 pages
Book Rating : 4.:/5 (318 download)

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Book Synopsis Initiatives to Promote Small Business Lending, Jobs, and Economic Growth by : United States. Congress. House. Committee on Financial Services

Download or read book Initiatives to Promote Small Business Lending, Jobs, and Economic Growth written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2010 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Small Business Administration: 7(a) Loan Program Needs Additional Performance Measures

Author :
Publisher : DIANE Publishing
ISBN 13 : 9781422399835
Total Pages : 26 pages
Book Rating : 4.3/5 (998 download)

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Book Synopsis Small Business Administration: 7(a) Loan Program Needs Additional Performance Measures by :

Download or read book Small Business Administration: 7(a) Loan Program Needs Additional Performance Measures written by and published by DIANE Publishing. This book was released on 2007 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt: