1. Washington State Department of Commerce FINANCING YOUR BUSINESS VENTURE Layoff Aversion & Response Conference August 3, 2011

2. How to get Started Who has money to lend? Where to go for help? Knowing how to approach lenders BE READY!

3. Who has money to lend? Patient Money Traditional Financing Non-traditional Lenders

4. Patient Money Your money Family Friends Other business owners

5. Traditional Money Credit cards Bank financing Credit union financing Other businesses

6. Non-Traditional Lending Programs Local Revolving Loan Funds Washington Development Network State Revolving Loan Funds Grants Dedicated Revolving Loan Funds-Specific Goals

7. State Business Lending Programs Rural Washington Loan Fund Float Loan Program HUD Section-108 Loan Guarantee Program Forest Products Revolving Loan Fund Childcare Facilities Fund

8. State Business Lending Programs (Continued) Community Economic Revitalization Board EPA Brownfields Revolving Loan Fund WA Economic Development Finance Authority WA Public Ports Association

9. Where to Get Help Economic Development Councils Associate Development Networks Small Business Development Councils Chambers of Commerce U.S. Dept of Commerce, Economic Development Admin. Colleges and Universities Export Finance Assistance Center

10. Contact Information Kenneth R. “Kenny” Spain PO Box 42525 Olympia, WA 98504-2525 (360) 725-4050 kenny.spain@commerce.wa.gov