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Web Sites
Note: Some listings are filed by surname
4 Proven Ways to Use Credit to Jump-start Your Startup!
http://www.office.com/templates/page1.asp?docid=88
So you’re ready to take the plunge and go out on you own but you’re low on funds. Not to worry. Many successful businesses have started under similar circumstances -- jump started by credit! Here are four proven ways to jump-start your business. Advice from Tom Graham.
(Last checked 04/28/08)
5 Ways to Get Angel Money
http://www.office.com/templates/page1.asp?docid=83
Thinking of Angel Funding? Check out these 5 tips! Advice from Tom Graham.
(Last checked 04/28/08)
9 Federal Programs To Help Resolve Disputes
http://www.educationmoney.com/mediation_services.html
Mediation services are provided by a number of Federal agencies (such as, the Federal Mediation and Conciliation Service), to resolve disputes between labor and management, and prevent unfair monopolistic practices and unfair methods of competition. EducationMoney.com repackages information from the Catalog of Federal Domestic Assistance in an interesting manner.
(Last checked 04/28/08)
34 Federal Programs to Assist Businesses
http://www.educationmoney.com/business.html
The Small Business Administration (SBA), the Department of Transportation (DOT), and the General Services Administration (GSA) provide the following assistance programs to large and small businesses in the form of training, counseling, and insured loans. EducationMoney.com repackages information from the Catalog of Federal Domestic Assistance in an interesting manner.
(Last checked 04/28/08)
About.com's Guide to Funding for Inventors
http://inventors.about.com/msub4.htm?once=true&
An introduction to invention funding with several different sources of invention funding that you can approach to borrow or raise the funds needed to bring your idea through the several stages of process and to the marketplace.
(Last checked 04/28/08)
Active Capital
http://activecapital.org/
Acting on calls for better access to equity capital at the 1995 White House Conference on Small Business, the SBA created the Angel Capital Electronic Network (ACE-Net). ACE-Net has become Active Capital to express more accurately its proactive role in helping small businesses connect with private capital. Empowered by protective rulings from the SEC and State regulators and a network of not-for-profit support organizations, Active Capital is the only low-cost Internet-based option to register securities for sale, up to $5 million/year.
(Last checked 04/28/08)
Amber Foundation
Amber Grants for Women in Business
http://www.womensnet.net/ambergrants/
Deadline : December 31
Our primary focus is assisting women who are trying to start small businesses, home-based or online. The grants are small, usually $500 to $1000, and are intended to be used to upgrade equipment, pay for a web site etc - the small but essential expenses that can often make the difference between getting started or being forever stalled. No repayment is required or expected, although it is hoped that you will pass on the kindness by mentoring and helping others along the way.
(Last checked 04/28/08)
Ann Arbor Angels of Ann Arbor
http://www.annarborangels.org/
The Ann Arbor Angels (A2A) is a collaborative non-profit organization dedicated to bridging the gap between angel investors and early stage technology-based companies in Southern Michigan. The focus of the organization is to facilitate private equity and debt financing.
(Last checked 04/28/08)
Are You Searching for Money to Start a Business?
Available on microfilm.
Are you searching for money to start a new business? The first place entrepreneurs commonly look is their own savings or credit cards. The second place is family and friends. Such private loans and investments from relatives and acquaintances are often an integral part of raising start-up capital, when a business is too small or unproven to qualify for commercial lending. Entrepreneurs generally provide two-thirds of their own start-up capital. Private loans and investments make up the bulk of the rest, according to the Global Entrepreneurship Monitor, a consortium of universities. The advantages are lower interest rates than at a bank (or none at all), flexible repayment and a certain amount of forgiveness if your start-up sinks. But borrowing from relatives, or allowing them to invest in your new business, can put your personal relationships at risk, and the cozy nature of such loans can lead business owners to be lackadaisical about repaying the money. The default rate for such friends-and-family loans is 14%, says Asheesh Advani, owner of CircleLending, which manages private loans; he is also author of "Investors in Your Backyard" from the Nolo do-it-yourself book series. If there's one piece of advice to heed above all others, it's to put your financial arrangement in writing. Write a formal business plan, make out a promissory note and draw up a formal repayment schedule and stick to it. Such documentation cuts the default rate on private loans in half and makes it easier for both parties to claim their tax benefits, Advani advises. Tips from the Detroit Free Press, April 3, 2006.
(Last checked 04/28/08)
Bagging a Bank Loan
http://www.office.com/templates/page1.asp?docid=27
For many small-business owners, the prospect of sitting down with a prospective lender ranks right up there with a root canal in terms of sheer entertainment value. Even the uninitiated know it involves some seriously invasive digging. But shopping for a loan is less likely to be painful (or worse, fruitless) if you show up prepared. Here are a few pointers from the pros.
Article by Anne Ashby Gilbert for Office.com
(Last checked 04/28/08)
Best Banks for Entrepreneurs
http://www.entrepreneur.com/bestbanks
Are you on the hunt for capital to start or grow your business? Search our listing of the best small-business-friendly banks most likely to lend you the funds you need.
(Last checked 04/28/08)
Business and Commerce Grants Available from the U.S. Government
Posted in the Catalog of Federal Domestic Assistance (CFDA)
http://12.46.245.173/pls/portal30/SYSTEM.FUNCTIONAL_AREA_RPT1.show
Click on Business.
Subcategories include: Maritime, Statistics, Special Technical Assistance, Minority Business Enterprises,
Small Business, Economic Development, Economic Injury and Natural Disaster, Commercial Fisheries, and International.
(Last checked 04/28/08)
Business and Commerce Grants Available from the U.S. Government
Posted on Grants.gov
http://grants.gov/search/search.do?mode=CATSEARCH&fundActivity=BC
Some of the most current grant opportunities posted by the federal government. Select business and commerce as funding activity category.
(Last checked 04/28/08)
Business Grants for Women
http://www.digital-women.com/women-grants.html
Where is all the free grant money for women? Find out the truth about free business grants and loans for women and the difference between a grant and a loan. Are there really any free money grants for women? That depends. Follow this link to get the real scoop on free money and free grants for women. Source: Digital Women.
(Last checked 04/28/08)
Business Grants from the State of Michigan, try the
Michigan Electronic Gants Administration and Management System Portal (EGrAMS).
BusinessFinance.com
http://www.businessfinance.com/
A commerical web site that provides categorized funding criteria for over 4,000 sources of business capital.
(Last checked 04/28/08)
Cheap Therapy Pay it Forward Grant
http://www.cheaptherapy.net/id62.html
She's not Oprah, but small business owner Lisa Richey wants to help someone else get over a financial hurdle, just like a grant helped her do three years ago. Grant Dollars: $500.00 You simply have to mail your story (via snail mail, not e-mail), then after the grant works for you, pay it forward to someone else. Guidelines, application instructions and program-specific contact information are available on the web page.
(Last checked 04/28/08)
Count Me in For Women's Economic Independence
http://www.count-me-in.org/
An internet-based organization that raises money to make small-business loans to women.
(Last checked 04/28/08)
Deborah Kluge's Resources for Small, Minority, and Women-Owned Businesses
http://www.proposalwriter.com/small.html
A private consultant provides an extensive set of web links for those interested in starting a small business. Includes sections on: "How Can I Get a Government Grant to Start or Expand My Business?"; Small Business Innovation Research and Technology Transfer Programs; Links to Government Agency Offices of Small and Disadvantaged Business Utilization; and Information on Business Plans and Proposals.
(Last checked 04/28/08)
Doing Business With U.S. Government Agencies
http://www.proposalwriter.com/doingbiz.html
Advice and web links provided by Deborah Kluge, a private consultant and professional grant writer.
(Last checked 04/28/08)
Economic Development Grants Form the State of Michigan
try the
Electronic Grants Administration and Management System Portal
Edward Lowe Foundation, see Lowe Foundation
Employment, Labor, and Training Grants Available from the U.S. Government
Posted in the Catalog of Federal Domestic Assistance (CFDA)
http://12.46.245.173/pls/portal30/SYSTEM.FUNCTIONAL_AREA_RPT1.show
Click on employment, labor, and training.
(Last checked 04/28/08)
Employment, Labor, and Training Grants Available from the U.S. Government
Posted on Grants.gov
http://grants.gov/search/search.do?mode=CATSEARCH&fundActivity=ELT
Selecte employment, labor, and training as funding category.
(Last checked 04/28/08)
Entrepreneur's Top 100 Venture Capital Firms (2007)
http://www.entrepreneur.com/vc100
Are you on the hunt for venture capital to start or grow your business? If so, you've come to the right place. Here are the information and resources you need to initiate, negotiate and close the deal. We've got a listing of the top 100 venture capital firms in the United States and plenty of articles that will help you learn how to get to the deal-closing handshake. So read on to find out how to find a VC firm that's a perfect fit for your business.
(Last checked 04/28/08)
Farm Service Agency
Farm Loan Programs
http://www.fsa.usda.gov/dafl/default.htm
FSA makes direct and guaranteed farm ownership (FO) and operating loans (OL) to family-size farmers and ranchers who cannot obtain commercial credit from a bank, Farm Credit System institution, or other lender. FSA loans can be used to purchase land, livestock, equipment, feed, seed, and supplies. Our loans can also be used to construct buildings or make farm improvements. See our loan information chart which describes maximum loan amounts, rates, term, and use of proceeds.
Also listed under Grants for Individuals - Agriculture
(Last checked 04/28/08)
Fedbizzopps.gov
Federal Business Opportunities
http://www.fbo.gov/
Review federal business opportunities posted over the last 30 days.
(Last checked 04/28/08)
Federal Funding Sources for Rural Areas
http://grande.nal.usda.gov/ric/funding.php
A database of resources from the Catalog of Federal Domestic Assistance compiled by the Rural Information Center Program of the National Agricultural Library. Be sure to contact the agencies involved to see if the programs are still being offered.
Listed under Community Development; Government Funding.
(Last checked 04/28/08)
Federal Programs to Create Jobs
http://www.educationmoney.com/employment_labor.html
The Department of Labor and other Federal agencies provide the following programs to stimulate industry and generate employment opportunities; facilitate the integration of employers and labor organizations; improve the quality of the workforce and reduce welfare dependency; and enhance the productivity and competitiveness of the nation's economy.
EducationMoney.com repackages information from the Catalog of Federal Domestic Assistance in an interesting manner.
(Last checked 04/28/08)
Financing Options for Start-Up Manufacturers
http://www.office.com/templates/page1.asp?docid=22
Raising capital can be a hair-raising experience for any business. And while entrepreneurs
can approach a variety of sources for funds, they should choose the source that best matches
their business objectives. The most prevalent sources for most small businesspeople
include family and friends, banks and venture capitalists. Understanding the various forms of financing can help you achieve your goals. Article by Frank Fischer for Office.com
(Last checked 04/28/08)
Financing Small Business Enterprises: Sources of Information
http://www.loc.gov/rr/business/guide/guide3/
A Business Brief Compiled by: Angela Wilson, Carolyn Larson, Shari Jacobson, Business Reference Services, Humanities and Social Sciences Division, Library of Congress, Washington 1994.
(Last checked 04/28/08)
Financing Transitional Jobs Programs : A Strategic Guide to Federal Funding Programs
http://www.financeproject.org/publications/transitionaljobs.pdf
A compilation by the Finance Project, June 2004.
(Last checked 04/28/08)
Financing Your Business
http://www.sba.gov/financing/
Describes the various loan programs of the U.S. Small Business Administration.
(Last checked 04/28/08)
Finding Funding : A Guide to Federal Sources for Workforce Development Issues
http://www.financeproject.org/publications/workforcefunding.pdf
A compilation by the Finance Project, June 2005.
(Last checked 04/28/08)
GovLoans.gov
http://govloans.gov/govloans/
"Five federal agencies -- U.S. Department of Agriculture, U.S. Department of Education, U.S. Department of Housing and Urban Development, U.S. Small Business Administration, and the U.S. Department of Veterans Affairs -- have come together to create this single point of access for federal loan information on the Web." Browse or search for loans for farming, businesses, students, disaster relief, and more. Includes a glossary of loan terms and links to additional resources.
(Last checked 04/28/08)
Grand Angels of Grand Rapids
http://www.grandangels.org/
Grand Angels is committed to utilizing its financial, intellectual and networking capital to foster the success of growing companies and to enhance the economic development of West Michigan. Grand Angels will make investments that will have a positive effect on our region through business growth, job creation, and the attraction and retention of local talent. Investments with impact will be the result of engaged, experienced businesss leaders providing both capital and wisdom to entrepreneurs.
(Last checked 04/28/08)
Grand Valley State University
Michigan Small Business and Technology Development Center
http://www.misbtdc.org/
The Seidman School of Business at Grand Valley State University is the home of the State Headquarters for the Michigan Small Business & Technology Development Center network. This state center supports 12 regional offices and over 60 satellite offices, each providing counsel and training to small business owners and entrepreneurs throughout the 83 counties in Michigan.
The second web link provides information on small business financing options.
(Last checked 04/28/08)
Grants.gov : Current Federal Funding Opportunities for Business and Commerce
http://grants.gov/search/search.do?mode=CATSEARCH&fundActivity=BC
(Last checked 04/28/08)
Grants.gov : Current Federal Funding Opportunities for Employment and Labor
http://grants.gov/search/search.do?mode=CATSEARCH&fundActivity=ELT
(Last checked 04/28/08)
Great Lakes Angels of Bloomfield Hills
http://www.glangels.org/
The Mission of the Great Lakes angels organization is to organize and mentor angels and provide a forum for them to grow in knowledge and wealth and foster more of the same - to help invest in entrepreneurial companies in the region.
(Last checked 04/28/08)
Idea Cafe's BizGrants
http://www.businessownersideacafe.com/small_business_grants/index.php
(Last checked 04/28/08)
Idea Cafe's BizGrants
Idea Cafe's Conduit to Corporate $ Help
http://www.businessownersideacafe.com/business_grants/business_grants.html
Most grants corporations give are to non-profit community groups, rather than for-profit businesses. But check out the options and other ways big companies will help small your company.
(Last checked 04/28/08)
Idea Cafe's BizGrants
Idea Cafe's Guide to Government Grants
http://www.businessownersideacafe.com/business_grants/government_grants.html
You've got a great biz idea and all the waitresses at your favorite cafe say you can probably get a government grant to launch the biz. Logical thought, but the unfortunate reality is that the government doesn't easily give grants.
But, you say, on TV ads I hear about government grants all the time! Yes, the federal government gives grants, but they don't give money to folks just to follow a dream, start a new biz or buy out the boss. Instead, they give money to state and local agencies and nonprofit organizations and those groups use the money to accomplish the government's goals.
Get past the jargon and go direct to sources of government help -- we help you dig into the SBA, CFDA, SBIR STTR Grant Program, & many more!
(Last checked 04/28/08)
Idea Cafe's BizGrants
The Ray Ward Creative Spirit Grant
http://www.businessownersideacafe.com/small_business_grants/grant_information.php?grant_id=6
Deadline: December 15
Idea Cafe's latest $1,000 grant will go to a deserving entrepreneur. Maybe you? Anyone who currently owns a business or is planning to start one may apply. If you have an especially creative approach in your biz, this grant might go to you!
(Last checked 04/28/08)
Idea Cafe's Small Grants Centers
http://www.businessownersideacafe.com/business_grants/index.php
Provides information on obtaining grants from various funders, including the federal government. Idea Central also provides a few small grants.
(Last checked 04/28/08)
Job Training Grants Available through the State of Michigan
see
http://www.lib.msu.edu/harris23/grants/statejob.htm
Lansing, Michigan Metropolitan Area Directory of Organizations Providing Assistance to Small Businesses and People Interested in Starting Small Businesses
http://www.lib.msu.edu/harris23/grants/smallbus.htm
Need help in starting a small business?
(Last checked 04/28/08)
Lesko's Business Help
http://www.lesko.com/help/BusinessHelp.htm
Money, information and services to start or expand a business .
(Last checked 04/28/08)
Loans for Women
http://loans.digital-women.com/
I have reviewed some of the best sites for you that provide all different kinds of loans from payday loans to debt consolidation loans according to your needs. Finding a loan is not as hard as you think and just because you may have poor credit, all is not lost! There are programs out there for you, too! Courtesy of Digital Women.
(Last checked 04/28/08)
Locating and Getting the Money You Need to Start a Business
http://www.womanowned.com/Growing/Funding.aspx
Practical advice on start-up funding from Womanowned.com
(Last checked 04/28/08)
Lowe (Edward) Foundation's PeerSpectives
http://peerspectives.org/
The Edward Lowe Foundation sponsors this web page which provides advice to business entrepreurs about a wide range of issues, including obtaining financing.
(Last checked 04/28/08)
Manufacturing Extension Partnership (MEP) for Manufacturers
http://www.mep.nist.gov/
If your company is interested in implementing new production techniques or business practices, financing for capital improvements, or is looking for regulations compliance help, you need high-quality, unbiased advice and assistance. MEP Centers and their field engineers provide this assistance. They'll come directly to your plant to learn more about your company and help you address your specific needs and challenges. Explore this web site to find more information about the critical services MEP Centers provide to small and mid-sized American manufacturers. You may also use a toll-free telephone number to reach your nearest MEP affiliate or MEP headquarters: 1-800 MEP-4MFG.
(Last checked 04/28/08)
Matthew Lesko, see Lesko
Michigan Economic Development Corporation
Starting a Business : Financing Your Business
http://www.michigan.org/medc/services/startups/
There are several options available for obtaining money to start a new business or expand an existing one. Most businesses begin with the owner's own capital or loans from friends and family. Some are successful in obtaining bank financing or using a government sponsored loan program.
(Last checked 04/28/08)
Michigan Individual Development Accounts
http://www.cmif.org/IDA/IDAHome.htm
Individual Development Accounts are matched savings accounts designed to help low-income and low-asset families accumulate a few thousand dollars for high-return investments such as homeownership, education and business ownership.
(Last checked 04/28/08)
Michigan Score District Offices
http://www.scoremichigan.com/contact.htm
SCORE® is a nationwide organization of active and retired business men and women who volunteer their services to assist small businesses and entrepreneurs. SCORE® provides free business counseling and offers low-cost workshops on a variety of business topics.
(Last checked 04/28/08)
Michigan Small Business Financing Options
http://www.gvsu.edu/misbtdc/index.cfm?id=7C199242-C66D-096A-EECA474498B3424B
This web page, sponsored by the Grand Valley State University, Michigan Small Business and Technology Development Center, outlines various financing options for small business and compares the advantages and risks of each.
(Last checked 04/28/08)
Michigan Technology Tri-Corridor
Small Business Innovation Research (SBIR) Emerging Business Fund
http://www.medc.michigan.org/ttc
Governor Jennifer M. Granholm announced today (Feb. 19, 2004) that the state is paving the way to grow Michigan’s economy and create jobs by providing matching grants for Michigan businesses applying for federal Small Business Innovation Research (SBIR) grants in sectors supportive of the Michigan Technology Tri-Corridor initiative.
(Last checked 04/28/08)
Minorityfinance.com
http://www.minorityfinance.com/
Provides investment information for minorities and women. Also provides information for minority and women-owned businesses seeking capital. The site is sponsored by Creative Investment Research, Inc., an investment research and management company.
(Last checked 04/28/08)
Money for a Small Business
http://usgovinfo.about.com/library/weekly/blsba.htm
Think SBA loans, not grants. The About.Com web page also provides additional advice.
(Last checked 04/28/08)
Money Tree Report
http://www.pwcmoneytree.com/moneytree/index.jsp
The MoneyTree Report is a quarterly study of venture capital investment activity in the United States. As a collaboration between PricewaterhouseCoopers and the National Venture Capital Association based upon data from Thomson Financial, it is the only industry-endorsed research of its kind. The MoneyTree Report is the definitive source of information on emerging companies that receive financing and the venture capital firms that provide it. The study is a staple of the financial community, entrepreneurs, government policymakers and the business press worldwide.
(Last checked 04/28/08)
The Myth of Free Government Money: A Perennial and Pernicious Scam
http://www.businessweek.com/smallbiz/0001/sa000111.htm
Why do so many entrepreneurs believe in the Tooth Fairy? Advice from Business Week online.
(Last checked 04/28/08)
National Association of Seed and Venture Capital Funds
http://www.nasvf.org/
The National Association of Seed and Venture Funds is an organization of private, public and nonprofit organizations committed to building their local economies by investing and facilitating investment in local entrepreneurs. NASVF began in 1993 as an ad-hoc group of practitioners seeking the best models to encourage capital formation in their states, particularly for new technology ventures. These founders continued to meet each year and in 1997 formally incorporated the group as a not-for-profit named the National Association of State Venture Funds. The name was changed in 2000 to reflect the Association's expanding service to local networks of private investors.
(Last checked 04/28/08)
National Venture Capital Association
http://www.nvca.org/
The National Venture Capital Association (NVCA) is the trade association that represents the venture capital industry. It is a member-based organization. Its membership consists of venture capital firms and organizations who manage pools of risk equity capital designated to be invested in young, emerging companies. Currently, the NVCA represents 400+ member firms, representing the majority of venture capital invested in U.S. based companies.
(Last checked 04/28/08)
Office.com
http://www.office.com/
Offers advice on starting and running a small business.
(Last checked 04/28/08)
“Other People’s Money”
http://www.nuwireinvestor.com/articles/other-peoples-money-51113.aspx
A guide to the concept of leveraging OPM (or, “other people’s money”). Advice from NuWire Investor, July 1, 2007.
(Last checked 04/28/08)
Rural Information Center
Small Farm Funding Resources
http://www.nal.usda.gov/ric/ricpubs/small_farm_funding.htm
(Last checked 04/28/08)
Rural Information Center
Starting a Small Business
http://www.nal.usda.gov/ric/ricpubs/small_business.htm
(Last checked 04/28/08)
SBA Loans: Easier Said Than Done; Preparation can ease the SBA small business loan process
http://www.nuwireinvestor.com/articles/sba-loans-easier-said-than-done-51457.aspx
U.S. Small Business Association (SBA) loans can be a great opportunity for entrepreneurs to finance small businesses. However, these loans may prove more difficult to get than many applicants think. Borrowers planning to apply for SBA loans should plan in advance for the potential hurdles that lie in store. Advice from NuWire Investor, March 3, 2008.
(Last checked 04/28/08)
Small Business Administration
Financial Assistance Programs
http://www.sba.gov/services/index.html
The U.S. government does not currently provide grants for starting or expanding a small business. However, the government does offer plenty of free help in planning how to start or improve your business and in securing low-interest SBA-backed small business loans.
(Last checked 04/28/08)
Small Business Administration
Office of Women's Business Entrepreneurship
http://www.sba.gov/aboutsba/sbaprograms/onlinewbc/index.html
The journey into the world of finance can be interesting and exciting with the right knowledge and experience. Whether you are a new business setting up your records and bank accounts or an established business preparing a loan request or financing plan, the Finance Center has training and information to assist you. Written for businesses like you by SBA's Women's Business Centers across the country, the Finance Center helps you travel the road to success. Ready to accelerate your learning? Then read on for easy-to-use, practical advice prepared by experienced business counselors and instructors.
(Last checked 04/28/08)
Small Business Administration
Patriot Express Pilot Loan
http://www.sba.gov/patriotexpress
Patriot Express Pilot Loans are available to active-duty service members as well as veterans and their spouses.
The Patriot Express loans, which are available in amounts up to $500,000, can be used for most business purposes, including start-up, expansion, equipment purchases, working capital, inventory or business-occupied real estate purchases. And for those who expect to be called up as reservists, the SBA offers Military Reserve Economic Injury Disaster Loans of up to $1.5 million that can be used to help reservists prepare their businesses before they leave. They can also be used to help manage their businesses while they are gone. For more information about Patriot Express loans, call 313-226-6075. Source: Article by Carol Cain, "Patriot loans help vets start businesses; Start-ups can aid state's economy", Detroit Free Press, June 19, 2007.
(Last checked 04/28/08)
Small Business Administration
Sign Up for Free Newsletters
http://web.sba.gov/list/
The SBA is now offering e-mail newsletters to keep you up-to-date on financial opportunities and related information.
(Last checked 04/28/08)
Small Business Administration
Small Business Investment Companies (SBIC) Program
http://www.sba.gov/aboutsba/sbaprograms/inv/index.html
SBICs are public-private partnerships contributing to an environment where America’s entrepreneurs can flourish – generating millions of jobs, billions of dollars in economic prosperity, and countless improvements to our health, safety, and way of life.
(Last checked 04/28/08)
Small Business Guide for Government Grants and Loans
http://www.business.gov/topic/finance/loans.html
(Last checked 04/28/08)
Southwest Michigan Angel Fund in Kalamazoo
Special American Business Internship Training Program (SABIT)
http://www.mac.doc.gov/sabit
A technical assistance initiative of the International Trade Administration of the U.S. Department of Commerce, SABIT offers organizations competitive grants and an opportunity to host industry-specific delegations. SABIT serves as an initial entry point for U.S. businesses seeking funding to establish long-term relationships with potential customers, distributors, or partners in the former Soviet Union. The program trains Eurasian managers and scientists in commonly accepted business practices as a means of facilitating cross border relationships. In turn, these personal relationships serve as a basis for business development and reduce market access barriers for U.S. businesses.
(Last checked 04/28/08)
State Small Business Grants
http://usgovinfo.about.com/library/weekly/blstategrants.htm
About.com provides a list of contact agencies in each state.
(Last checked 04/28/08)
Tech Foundation Tech Grants
http://www.techfoundation.org/
Got a great skill or idea and just need some funding to launch your project? Visit this corporate technology funding site that helps the little guy make it big.
(Last checked 04/28/08)
Traverse Angels
http://www.traverseangels.com/
Traverse Angels is founded by Robert Ochtel, a native of Flint, who has lived for the past 15 years in San Diego, CA., where he worked at a company that worked with high net worth individuals in that Pacific Ocean coastal city. He brings that expertise to Traverse City where he expects to spend at least a week each month commuting from his Southern California home.
Ochtel came home to Michigan to seek fundable deals. Unlike some other angel groups in Michigan, Traverse Angels isn’t looking primarily for technology, life sciences or homeland security investments. Traverse Angels also would like to syndicate deals with other angel groups in the state, which include Great Lakes Angels in Bloomfield Hills, Grand Angels in Grand Rapids, Ann Arbor Angels in Ann Arbor, the Southwest Michigan Angel Fund in Kalamazoo and Capital Angels in Lansing.
(Last checked 04/28/08)
United States Hispanic Chamber of Commerce (USHCC)
http://www.ushcc.com/
Providing financial awards and assistance is one of the ways in which the US Hispanic Chamber of Commerce supports Latino businesses. The Anna Maria Arias Memorial Business Fund provides financial awards (ranging from $1000 to $5,000) to outstanding Latina business owners throughout the United States. Application forms are linked from the USHCC site.
(Last checked 04/28/08)
Venture Capital Firms
http://www.digital-women.com/resources/venture-capital.html
A directory of web links compiled by Digital Women.
(Last checked 04/28/08)
Venture Capital For Women and Minorities
http://www.minorityfinance.com/vc.html
Ahhh, Venture Capital, the quaint and entirely American notion that if you send some stranger a business plan, they will send you a million dollars. We wouldn't bet on it if you are a minority-owned company.
And don't laugh too hard, sisters. According to one source, "women-owned businesses receive less than 4% of venture capital money."
Advice from MinorityFinace.com
(Last checked 04/28/08)
VentureWorthy.com
Grant Information for Small Businesses
http://www.ventureworthy.com/small-business-grant.asp
(Last checked 04/28/08)
VetBizCentral.Com
http://www.vetbizcentral.com/
Michigan veterans who want to start their own small business or enhance an existing business can get assistance from the Michigan Veterans Resources Center. The Center serves veterans, Guard and Reserve Members, active duty military and veterans widows and widowers throughout Michigan and the Midwest. The Center is one of four such centers in the country. Its services include workshops on financing and forming a business, classes on writing an effective business plan, marketing and accounting; mentoring, counseling, partnering with Procurement Technical Assistance Centers across Michigan to assist Veterans, including Disabled Veteran Owned businesses, to access both federal and state contracts; advocacy on veterans issues and networking.
(Last checked 04/28/08)
WebMomz New Business Grant
http://www.webmomz.com/resources-free-business-grants.shtml
Deadline: March 31
For a woman-founded start-up business. WebMomz invites you to "tell us about your dream of starting your own business and why you feel you deserve the money." Grant Dollars: $500 Qualifications:
(1) A WebMomz Member (Not a member? Join for free.)
(2) 18 years of age or older
(3) A woman or group of women
(4) Starting a new business
(5) Have a business plan
(6) Live in the United States
Next, fill out application form describing your business idea and plans, etc. and pay a $10 application fee to cover administrative costs.
(Last checked 04/28/08)
Wells Fargo Bank
http://www.wellsfargo.com/
Wells Fargo Bank has loaned $2.25 billion to women small business owners since the inception of its $10 billion Women's Loan Program two years ago. It's provided over a billion in loans to women in just the last year alone. In 1995, Wells Fargo Bank partnered with the NAWBO, (The National Association of Women Business Owners to earmark 1 billion for laons for women to women business owners over a three year period. The loans for women range from $5,000 up to $100,000. They have a variable interest rate and say no collateral is required under the program. The women must have a good credit rating for both personal and business. They must also have a profitable business.
(Last checked 04/28/08)
Where Can I Find Information on Funding to Start a Business?
http://foundationcenter.org/getstarted/faqs/html/business.html
A frequently asked question answered by the Foundation Center.
(Last checked 04/28/08)
A Woman's Guide to Starting a Business In Michigan
http://michigan.gov/documents/071604StartingaBusinessFactSheet_101302_7.pdf
Starting a business is a huge endeavor that can bring both rewards and struggles. For women looking for freedom from the typical job or hoping to find a work schedule that will accommodate their family life, starting a business can be very beneficial. It can bring a sense of independence, and at times, it can be a way to achieve greater financial success.
(Last checked 04/28/08)
Books
The books mentioned on this page are available for public use in the Michigan State University Libraries. If you are unable to visit our library, consider visiting a Foundation Center Cooperating Collection in your home state or a local public library in your home town. If the books are not available there, ask about interlibrary loan or visit a local bookstore to find out whether they can be purchased.
ACTION GUIDE TO GOVERNMENT GRANTS, LOANS, AND GIVEAWAYS. George Chelekis. New York, N.Y. : Perigee Book, 1993. 510pp. Funding Center (1 East) HG177.5 .U6 C438 1993
A comprehensive guide to getting millions of dollars in grants, loan guarantees, loans, and other financial help from federal and state government sources.
Also listed under Government Funding.
ANGEL CAPITAL : HOW TO RAISE EARLY-STAGE PRIVATE EQUITY FINANCING. Gerald Benjamin, Joel Margulis. Hoboken, N.J. : Wiley, c2005. 373pp. Gast Business Library HG4751 .B458 2005
If you're an entrepreneur or own a small, fast-growing businesses, Angel Capital provides a complete toolkit for raising capital in today's challenging economic landscape. The authors, who manage the largest angel network in the U.S., offer real-world advice on how to find investors and take control of the private placement process. Using revolutionary typology and unmatched proprietary research, they explain all stages of raising capital, from valuation to negotiation to due diligence. In addition, you'll find a comprehensive directory of alternative capital resources, based on research of over 2,000 organizations, and a legal appendix that serves as a short course in exempt offerings and provides the skills needed to have success with any early-stage business venture or investment.
ANGEL INVESTING: MATCHING STARTUP FUNDS WITH STARTUP COMPANIES : THE GUIDE FOR ENTREPRENEURES, INDIVIDUAL INVESTORS, AND VENTURE CAPITALISTS. Mark Van Osnabrugge and Robert J. Robinson.
San Francisco : Jossey-Bass, c2000. 422pp. Gast Business Library HG4027.6 .V36 2000
According to Robert J. Robinson and Mark van Osnabrugge, so-called business angels--those generally unheralded private investors who usually specialize in high-growth fields and often involve themselves directly in the endeavors they fund--now provide 30 to 40 times more financing each year than their more famous counterparts, venture capitalists. In Angel Investing, Robinson and Van Osnabrugge use personal interviews, anecdotal evidence, and more than 300 research studies to show exactly who these financiers are, how they operate, and where they can be found. Robinson, an international management consultant, and Van Osnabrugge, an associate professor at Harvard Business School, also compare various financing options, explain precisely how angels and venture capitalists function differently, describe proven ways to attract them, and provide relevant resources. "The vast size and power of the business angel market in the United States is not well understood but is of incredible importance to our entrepreneurial sector and, indirectly, to maintaining our economic growth and standard of living," the authors write. They pack their book accordingly with valuable information for serious fund-seekers who have exhausted the traditional three F's (founder, family, and friends), as well as those who are considering entrepreneurial investments of their own.
ATTRACTING INVESTORS : A MARKETING APPROACH TO FINDING FUNDS FOR YOUR BUSINESS. Philip Kotler, Hermawan Kartajaya, S. David Young. Hoboken, N.J. : John Wiley & Sons, c2004. 246pp. Gast Business Library HG4751 .K68 2004
How can businesses do a better job of attracting capital? The answer: "Marketing!" Marketing expert Philip Kotler teams up with a renowned marketing consultant and an INSEAD professor for this practical, marketing-based approach to raising capital from investors. Based on the premise that entrepreneurs and business owners often don't understand what investors want and how they make their decisions, Attracting Investors offers a larger view of the factors involved, and guides both startup and veteran firms in effectively raising capital.
THE BOOTSTRAPPER'S BIBLE: HOW TO START AND BUILD A BUSINESS WITH A GREAT IDEA AND (ALMOST) NO MONEY. Seth Godin. Chicago, IL : Upstart Publishing, c1998. 280pp. Gast Business Library HD62.5 .G632 1998
Author Seth Godin, a successful bootstrapper in his own right, tells in fascinating detail his own story of how he built a multi-million-dollar business with almost nothing. Godin also shares the inspirational stories of dozens of others companies (from Dell Computer to Eddie Bauer) to encourage budding bootstrappers to parlay a great idea into a profitable business.
BOOTSTRAPPER'S SUCCESS SECRETS: 151 TACTICS FOR BUILDING YOUR BUSINESS ON A SHOESTRING BUDGET. Kimberly Stansell. Franklin Lakes, NJ : Career Press, 1997. 255pp.
E-book
Book on small business finance recommended by the Lowe Foundation.
Author's Review
Note: you can browse through the book free of charge.
DIRECTORY OF U.S. MICROENTERPRISE PROGRAMS. Margaret Clark, Tracy Huston, and Barbara Meister, eds. Washington, D.C. : Self-Employment Learning Project : Aspen Institute, 1994. 324pp. Funding Center (1 East) HD8037 .U5 D57
Defines microenterprise as sole proprietorship, partnership or family business that has fewer than five employees, does not generally have access to the commercial banking sector, and can initially utilize a loan of under $15,000. This publication profiles agencies that give loans, training or technical assistance directly to entrepreneurs or to intermediary agencies.
FINANCING YOUR BUSINESS : GET A GRIP ON FINDING THE MONEY
Bellingham, WA ; North Vancouver, B.C. : International Self-Counsel Press, 2005. 142pp. Funding Center (1 East) HG4027.7 .M633 2005
Financing Your Business shows you, in an easy to understand manner, how to raise money for your small business. This book is designed for people who are just starting a business and for people who want to expand an existing business and need more money to make it happen. There are thousands of great business ideas out there, but if you don’t have the resources on hand, it can be tough to get a business running successfully and financially survive the first few years. It’s even harder to expand an existing business if all your money is tied up in it.
FINANCING YOUR BUSINESS WITH VENTURE CAPITAL : STRATEGIES TO GROW YOUR ENTERPRISE WITH OUTSIDE INVESTORS. Frederick D. Lipman. Rocklin, CA : Prima, 1998. 368pp. Gast Business Library HG4751 .L56 1998
One of the most pressing needs of growing businesses is capital. Bank loans are hard to come by and are also risky. That's why many entrepreneurs look for equity infusion, or venture capital, to help them grow their business. Written by Frederick D. Lipman, one of the most respected attorneys specializing in growing businesses, Financing Your Business with Venture Capital is an indispensable guide for entrepreneurs.
FINANCING YOUR SMALL BUSINESS. Robert W. Walter. Hauppauge, NY : Barron's, c2004. 236pp. Gast Business Library HG4027.7 .W357 2004
This new addition to the Business Library series describes advantageous methods for attracting venture capital, dealing with bank loan investment officers, initiating public offerings of stock shares, and much more. Titles in the Business Library series speak to men and women who are starting a company or managing an ongoing small-to-medium-size business. Emphasis is on carrying out daily operations and solving problems.
FINDING MONEY FOR YOUR SMALL BUSINESS : THE ONE-STOP GUIDE TO RAISING ALL THE MONEY YOU WILL NEED. Chicago, IL : Dearborn Publishing Group, 1994. 202pp. Funding Center (1 East) HG4027.7 .F34 1994
Basic guide includes information on planning, financing, Small Business Administration (SBA) programs, and writing a loan proposal. Appendices include SBA forms and field office locations.
FINDING MONEY : THE SMALL BUSINESS GUIDE TO FINANCING. Kate Lister and Thom Harnish. New York, N.Y. : John Wiley & Sons, Inc., 1995. 246pp. Business Library HG4027.7 .L58 1995
Provides tips from insiders on finding sources of financing, locating investors, evaluating your loan request, and more! Funding sources covered include private investors and venture capital funds, banks and finance companies, leasing companies, SBA loans and other government programs, and many more.
FINDING YOUR WINGS : HOW TO LOCATE PRIVATE INVESTORS TO FUND YOUR VENTURE. Gerald A. Benjamin and Joel Margulis. New York : John Wiley, c1996. 266pp. Gast Business Library HG4521 .B434 1996
Capital. It is the single most important ingredient to getting your venture of the ground. But finding it can be a challenge—particularly if you're running out of funding options. Suppose your venture is too small for institutional players. What do you do once you've exhausted your personal financial resources? Where do you go after the banks, the leasing companies, the venture capital firms? What you need is an "angel"—a private investor with high net worth. In Finding Your Wings—the only book of its kind—Gerald A. Benjamin and Joel Margulis provide you with a roadmap to guide you to your private angel.
FREE MONEY AND HELP FOR WOMEN ENTREPRENEURS. Matthew Lesko. Kensington, Md. : Information USA, 2000. 987pp. Funding Center (1 East) HG4027.7 .L47 2000
Every year over 500,000 women start their own business. Two out of every three new businesses are started by women, and women are more successful than men. Women have a 75% chance of success in business ownership. That's why the federal, state and local governments offer thousands of programs that give out more than $300 Billion to women to start or expand their own home and small business.
FREE MONEY TO CHANGE YOUR LIFE: 15,000 GOVERNMENT PROGRAMS TO GET A BETTER JOB, START A NEW CAREER, GET AN EDUCATION, OR FOLLOW YOUR DREAM. Matthew Lesko. Kensington, Md. : Information USA, 1999. 1136pp. Funding Center (1 East) HC110 .P63 L365 1999
Chapter titles include:
Lesko's Lessons on Life;
I Wanna Go to School;
I Wanna Write a Book;
I Wanna Travel;
I Wanna Be an Artist, Singer, Dancer, Writer, Photographer;
I Wanna Be a Freelancer;
I Wanna Start My Own Business;
I Wanna Start My Own Business and Have No Money;
I Wanna Be a Real Estate Entrepreneur;
I Wanna Be an Inventor;
I Wanna Start my Own Nonprofit;
I Wanna Be a Volunteer;
I Wanna Be Trained;
I Wanna Get Experience to Get a Better Job;
I Wanna Government Job;
I Wanna Get my GED or More Adult Education;
I Wanna Fix Up My Neighborhood;
I Wanna New Career and I'm A Woman;
I Wanna New Career and I'm Over 50;
I Wanna New Career and I'm Disabled;
I Wanna New Career and I'm A Veteran;
I Wanna New Career and I'm An Ex-Offender;
Free Help to Write a Resume;
Job Hunt on the Internet;
Help with Choosing a Career;
How Do I Check out a Move;
How Do I Take Care of the Kids;
How Do I Get Free Research Help;
I Wanna Change My Name.
Also listed under Government Funding.
FROM CONCEPT TO WALL STREET : A COMPLETE GUIDE TO ENTREPRENEURSHIP AND VENTURE CAPITAL. Oren Fuerst, Uri Geiger. Upper Saddle River, NJ : Financial Times Prentice Hall, c2003. 328pp. Gast Business Library HG4751 .F847 2003
From Concept to Wall Street is the definitive guide to the new realities of venture capital. Two leading experts in venture-backed entrepreneurship offer start-to-finish coverage of the entire process: planning, teambuilding, protecting intellectual property, identifying and negotiating funding, and managing to - and through - IPOs or M+As. Drawing on immense personal experience - and the lessons of recent years - Dr. Oren Fuerst and Dr. Uri Geiger offer a complete roadmap for entrepreneurs, investors, and advisors in every VC-funded industry.
GETTING THE MONEY YOU NEED: PRACTICAL SOLUTIONS FOR FINANCING YOUR SMALL BUSINESS. Gibson Heath. Chicago : Irwin Professional Pub., c1995. 227PP. Gast Business Library HG4027.7 .H422 1995
Ideal for large companies, veteran small business owners, and individuals working out of their homes, Getting the Money You Need has the answer to all the readers' funding questions. While no one can guarantee that a firm will get a small business loan, the odds are greatly improved by knowing the correct steps and establishing timely, realistic goals. Getting the Money You Need provides practical solutions and sound advice for finding the money necessary to turn a small business from an idea into reality. Clear, concise, and easy-to-read, this book details a wide variety of programs to suit any specific funding and ongoing financial needs. From government to grassroots programs, Heath offers a solid review of traditional resources as well as an update on the newest funding alternative. Specific topics include: Both state and federally sponsored lending programs; Microenterprise lending programs; Developing community loan funds; Financing through banks; Venture capital, initial public offerings, and other options.
GOVERNMENT GIVEAWAYS FOR ENTREPRENEURS (computer file). Orem, Ut. : Infobusiness, 1995. 1 laser optical disc with instructions manual. Software CD-ROM Collection, 4th floor, West, HC79 .P63 G6 1995
GOVERNMENT GIVEAWAYS FOR ENTREPRENEURS II. Matthew Lesko. Kensington, Md. :Information USA, 1994. 4th edition, 642pp. Funding Center (1 East) HC79 .P63 L47 1994
GOVERNMENT GIVEAWAYS FOR ENTREPRENEURS III. Matthew Lesko. Kensington, Md. : Information USA, 1996. 5th edition, 785pp. Funding Center (1 East) HC110 .P63 L373 1996
Identifies 9,000 sources of free help.
Also listed under Government Funding.
GOVERNMENT GIVEAWAYS FOR ENTREPRENEURS IV. Matthew Lesko. Kensington, Md. : Information USA, 2000. Newly updated and expanded edition, 586pp. Funding Center (1 East) HC110 .P63 L373 2000
Over 9000 Sources of Money, Help, and Information to start and expand your business.
GUIDE TO FEDERAL FUNDING FOR GOVERNMENTS AND NONPROFITS. Arlington, Va. :
Government Information Services, annual. 2 volumes, looseleaf. Funding Center (1 East) HJ275 .G75, continually updated
The 1998 edition describes federal funding opportunities for state and local governments, public agencies, nonprofit entities and community organizations, covering in detail more than 750 federal programs. Each program description provides detailed information on who is eligible, uses of the funds, how to apply, program restrictions, funding and program contacts. Chapter titles include: new programs; community development; economic development; energy; environment; transportation; public justice and victims' services; fire/disaster/emergency; social services; health; child care and early childhood development; senior citizens; job training and employment; housing; and aid for the homeless. Also receive updates. Includes a primer on the federal grants process. Available from Government Information Service, 4301 N. Fairfax Drive, Suite 875, Arlington, VA 22203-1627; phone: (703) 528-1000; fax: (703) 528-6060. [Library keeps latest edition only]
Also listed under Government Funding.
GUIDE TO STATE AND FEDERAL RESOURCES FOR ECONOMIC DEVELOPMENT. Charles Bartsch,
ed. Washington, D.C. : Northeast-Midwest Institute, 1988. 4th edition, 396pp. Funding Center (1 East) HC110 .P63 G8
A handbook of basic information to help promote economic development at the state and local level. In all, approximately 460 state development programs are described.
HOW TO GET A SMALL BUSINESS LOAN : A BANKER SHOWS YOU EXACTLY WHAT TO DO TO GET A LOAN. Bryan E. Milling. Naperville, Ill. : Sourcebooks, c1998. 2nd edition, 161pp.
E-book
"This book gives easy to understand explanations and rationales behind some of the confusing things banks ask their borrowers to do. It gives simple examples and descriptions that help me interpret the process to my customers. Even after many years of lending money to companies, I find myself reaching for it to remind me of little details I have forgotten. It is well-written and very useful."
Note: you can browse through the book free of charge.
HOW TO RAISE CAPITAL : TECHNIQUES AND STRATEGIES FOR FINANCING AND VALUING YOUR SMALL BUSINESS. Jeffry A. Timmons, Stephen Spinelli, and Andrew Zacharakis. New York : McGraw-Hill, c2005. 245pp. Gast Business Library HG4027.7 .T55 2005
Fewer than 40 percent of entrepreneurs seeking new business funding each year actually get that funding. How to Raise Capital improves those odds, providing prospective as well as current business owners with the knowledge they need to prepare an effective loan proposal, locate a suitable investor, negotiate and close the deal, and more. The all-star team of entrepreneurial experts behind How to Raise Capital gives readers top-level educational theory with hands-on, real-world knowledge. This thorough examination of the inner workings of the venture capital industry explores: (1) Resources available to entrepreneurs, from SBA loans to angel investors; (2) Proven strategies for identifying and approaching equity sources;, and (3) Characteristics of a "superdeal"--from the investor's perspective
NATIONAL GUIDE TO FUNDING FOR THE ECONOMICALLY DISADVANTAGED. Stan Olson and Ruth Kovacs, ed. New York, N.Y. : Foundation Center, May 1993. 506pp. Funding Center (1 East) HC110 .P63 N37
Provides information on over 1,200 foundations and 200 direct corporate giving programs that have shown a substantial interest in the disadvantaged. Over 4000 grants from over 300 foundations are listed; these grants represent over $300 million in support for a wide variety of programs, including those concerned with poverty, homelessness, hunger, welfare, and employment. Introductory material includes advice on researching foundations and corporations, a glossary of important terms, and a selected bibliography.
THE PRI INDEX: 500 RECENT FOUNDATION CHARITABLE LOANS AND INVESTMENTS. Crystal Mandler, Loren Renz, and Rikard R. Treiber, eds. New York, N.Y.: Foundation Center, 1997. 1997 edition, 70pp. Funding Center (1 East) HV89 .P75 1997
Lists 509 recent program-related investments of at least $10,000 made by 126 foundations between 1993 and 1995. Each listing includes funder name and state; recipient name; city, and state (or country); PRI amount; and year of authorization or payment. The introduction provides information about researching PRIs, an explanation of terms, and suggestions about how to successfully navigate the PRI process from start to finish. Indexes cover foundation location, subject and types of support, recipient name and recipient location.
PUBLIC VENTURE CAPITAL: SOURCES OF GOVERNMENT FUNDING FOR TECHNOLOGY ENTREPRENEURS. Henry Etzkowitz. New York: Panel Publishers, 2001. 2nd ed., 420pp. Funding Center (1 East) HG4027.6 .E88 2001; cd-rom available in Digital & Multimedia Center.
Public Venture Capital is an invaluable resource you will use again and again when seeking an inside track to government dollars. Relatively few entrepreneurs are aware that government funds from programs with acronyms like SBIR, ATP, Dual Use, ManTech, DARPA, and Act II can provide both initial and later-stage venture capital for their companies. Moreover, public venture capital programs do not require equity in exchange. Funding is available to technology start-ups and innovative firms through a variety of government programs.
The purpose of this book is to familiarize you with the concept of public venture capital and to illustrate how to use the above-mentioned programs to fund technology endeavors. Public Venture Capital brings together information and resources on programs that make funds available to technology entrepreneurs and innovative firms on a competitve basis. Whether your interest is in a specific project or technology idea or you are looking for more general information regarding public venture capital, this book will be specifically helpful to you.
RAISING MONEY IN LESS THAN THIRTY DAYS: A GUIDE FOR INDIVIDUALS AND ORGANIZATIONS. Susan Wright. New York, N.Y. : Carol Publishing Group, 1993. 106pp. Funding Center (1 East) HG 177 .W75 1993
Describes the process of raising money for individuals and small businesses. Includes sections on loans, Small Business Administration financing, venture capital, creating a business plan, grant proposals, program-related investments, working with nonprofits, and federal agency funding.
RAISING VENTURE CAPITAL. Rupert Pearce and Simon Barnes. Chichester, West Sussex, England ; Hoboken, NJ : John Wiley, c2006. 242pp. Gast Business Library HG4751 .P43 2006
Offering a deep insight into the venture capital deal-making process, Raising Venture Capital also provides valuable introduction to the subject. The book is practical in focus but based on sound academic theory, research and teaching materials gathered over the last 4 years at Tanaka Business School. Part one covers the history of the venture capital industry, shows why entrepreneurs need venture capital finance, and looks at how venture capitals raise and structure their funds. It also covers valuation methods for venture capital investments, and portfolio management. Part two illustrates how successful entrepreneurs raise finance from venture capitals, and gives details on how to approach venture capitals, how to choose the right venture capital firm, and how venture capitals and entrepreneurs work together after the deal is done. Part three gives a blow-by-blow account of the structure of a venture capital deal.
THE SBA LOAN BOOK: HOW TO GET A SMALL BUSINESS LOAN, EVEN WITH POOR CREDIT, WEAK COLLATERAL, AND NO EXPERIENCE. Charles H. Green. Holbrook, Massachusetts: Adams Media Corporation, 1999. 218pp. Funding Center (1 East) HG4027.7 .G74 1999
Answers questions such as how to increase your odds of getting a loan, how to land a loan even with no experience, weak collateral, and poor credit, what your options are for sba-guaranteed loans, how to fill out a loan application, how to present yourself to lenders, how you can close your loan fast, how to appeal a lender's denial, and how to approach a loan request if you have been in bankruptcy.
SBA LOANS : A STEP-BY-STEP GUIDE. Patrick O'Hara. New York, N.Y. : Wiley, 1989. 230pp. Business Library Oversize Collection HG4027.7 .O43 1989
Discusses the various ways the SBA can assist you in starting a small business or even if you already own one. Describes how to prepare a SBA loan request for a new or established business. Includes numerous easy to follow sample forms and examples.
SMALL BUSINESS AND MICRO BUSINESS LENDING IN THE UNITED STATES [electronic resource]. [Washington, DC] : SBA, Office of Advocacy, 2003- Government Documents Library SBA1.52: online resource
SMALL BUSINESS FINANCIAL RESOURCE GUIDE. Herndon, Va. : Braddock Communications, Inc., 2000. 6th edition, 185pp. Funding Center (1 East) HG4027.7 .S633 ed. 6 2000
A comprehensive listing of available funding sources from both the government and private sector. Note: Library keeps latest edition only.
START-UP MONEY: HOW TO FINANCE YOUR NEW SMALL BUSINESS. Mike P. McKeever. Berkeley, CA : Nolo Press, c1984. 201pp. Gast Business Library Oversize Collection HG4027.7 .M4 1984
VENTURE CAPITAL AND THE FINANCE OF INNOVATION. Andrew Metrick. Hoboken, NJ : Wiley, c2007. 568pp. Gast Business Library HG4751 .M48 2007
Future and current venture capitalists will find a useful guide to the principles of finance and the financial models that underlie venture capital decisions. Assuming no knowledge beyond concepts covered in first-year MBA course, the book will familiarize you with:
(1) The relationship between risk and return in venture capital
(2) Historical statistics on the performance of venture capital investments
(3) Total Valuation - the data and methods used to value a high-growth company
(4) Partial Valuation – how to analyze the special features of VC transactions such as convertible preferred stock,participating preferred stock, payment-in-kind dividends, and liquidation preferences
(5>A framework for modeling investment in "research and development"
(6) The relationship between strategy and finance
(7) Cutting-edge techniques such as Monte-Carlo analysis, real options, binomial trees, and game theory
WHERE TO GO WHEN THE BANK SAYS NO : ALTERNATIVES FOR FINANCING YOUR BUSINESS. David R. Evanson. Princeton, NJ : Bloomberg Press, 1998. 280pp. Gast Business Library HG4027.6 .E89 1998
With corporate mergers continuing unabated and with more and more downsizing, the opportunities clearly lie in launching a new concept, product, or company. But where do we get the start-up monies? Not from banks or other debt-financing schemes, asserts writer-consultant Evanson. The right approaches are angels, IPOs, alternatives to IPOs, and venture capital. And not only does he outline the viewpoints of these lenders, but he also prepares borrowers well for the reality: contacting and selling, valuing a business, and writing a plan. Even numbers-proficient pros will find the explanations easy reading, with charts, lists, and a writing style that ranges from perky to humorous. Lots of true "how we did it" pepper the narrative; lots of lists help analyze pros and cons of different avenues and different presentations. A private equity capital directory, a listing of universities with leading entrepreneurship programs, and an overview of securities laws influencing private and exempt transactions are appended.
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Jon Harrison