Access to Capital Jan Pisanczyn Regional Director New York State Small Business Development Center College at Brockport.

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Presentation transcript:

Access to Capital Jan Pisanczyn Regional Director New York State Small Business Development Center College at Brockport

What is out There? Debt vs Equity Equity – Cash/Savings Equity – Collateral/Assets

How much do you need? What will you use it for? How will “they” get it back? Business Plan?

Business Funding Options Traditional Lending Commercial Loans - Commercial Lenders Small Business Admininstration SBA 7a Guarantee SBA Patriot Express SBA 504 SBA Disaster Loan

NYBDC Savings Banks/Credit Unions Personal Lines of Credit Home Equity (HELOC)

Non-Profit/Micro-Lenders Alternative Lending Non-Profit/Micro-Lenders ACCESS-VR (formerly VESID) Excelsior Growth Fund Kiva Pathstone

Government Programs/Tax Incentives D.O.T. Transportation Bond Program D.O.T. Transportation Loan Program ESD/NYBDC Disaster Loan Farmer’s Home Administration

Government Programs/Tax Incentives Federal Surety Bonding HUD Community Block Grant Industrial Development Agency (IDA) Industrial Revenue Bonds

Government Programs/Tax Incentives JDA – Direct Loan JDA - Rural Development Loan Local Development Corp. (LDC) NYS Ag & Markets

Government Programs/Tax Incentives NYSERDA SBIR/STTR Science & Technology Foundation State Surety Bonding

Government Programs/Tax Incentives Urban Development Corporation (UDC) UDC Minority Revolving Loan Fund (MLRF) US Dept of Agriculture

OTHER OPTIONS Advances Credit Cards Crowd Funding/Crowd Investing https://www.crowdfunding.com/

Factoring Leasing Life Insurance Online/Peer to Peer

Private Investors/Angel Networks Retirement Funds Small Business Investment Corp (SBIC) Vendor Financing Venture Capital

Small Business Development Center The College at Brockport 350 New Campus Drive – Hartwell 101 Brockport NY 14420 585.395.8410 E-Mail: SBDC@Brockport.edu Visit our Web Page: http://www.Brockport.NYSSBDC.org As well as LinkedIn and Twitter pages: http://www.linkedin.com/in/SBDCRochester-82979771 http://twitter.com/BrockportSBDC