何妙行外汇交易培训

尊敬的读者：

我在中国的家境是很好的。我在自我介绍里说父亲是工程师母亲是教师，那是他们早期的职业生涯，后来他们很辉煌。一般人烦恼的在上海买房子啊找工作啊烦恼不到我的头上。反而是我父母烦恼我不要房子不要工作，他们不知道拿什么把我引诱回家才好。我真不知道上辈子犯了什么业了，好好的日子不去过，好好的丈夫不要了，去受颠沛流离的苦。

我的留学生涯很辛苦，一直被钱赶着跑，于是学会了动足脑筋去挣聪明钱。在日本留学的时候每年都申请奖学金，幸运的是每年也都申请上了。后来去加拿大读书自然而然地也去找补助。我申请了一种东西叫grant，是不要还的。第一次申请没申请到，不给就不给，没人告诉你为什么不给你。我想啊想啊，哪里出错了，第二次再试，就给我了。加拿大的好学校都是公立的，学费本身就便宜，我的硕士课程不过两千多加元一年，grant居然给我了一万加元。于是我花两年时间生了两个孩子读了个学位。

做企业也一样，融资不可少，哪里去找钱呢？

In 1953, Congress chartered the Small Business Administration (SBA) to help small business obtain the financing needed to launch or grow their businesses. The SBA plays a crucial role in helping thousands of small business secure the funding they need through underwriting loan subsidies along with business development resources and entrepreneurship training.

In 2004, the SBA backed more than $12.3 billion in small business loans. Additionally, more than $1 billion was spent on small business disaster loans. The SBA also assisted small business in securing over some $40 billion in federal contracts.

The SBA is not a direct lender. SBA loans actually come from SBA-approved commercial lenders. The SBA acts as a co-signer, pledging to repay up to 85% of the loan should you default. This reduces the lender’s risk, making it easier to grant funding for riskier business ventures.

The primary small business loan guaranty programs currently being funded by Congress are the 7(a) Loan Guaranty Program, the Certified Development Company (CDC), a 504 program, and Microloan, and a 7(m) program. Each SBA program is governed by different regulations.

The 7(a) Loan Guaranty Program

As the main loan guaranty program of SBA, the 7(a) can be used by businesses for startup financing, to restructure debt, to acquire or improve assets, or as a form of working capital. The repayment period depends on how the loan proceeds are used.

1, Purchasing real estate. Loans used for real estate can be repaid over a maximum period of 25 years.

2, Equipment purchases. Loans used to buy new equipment can be repaid over a period of 15 years, or for the life span of the equipment purchased, whichever is shorter.

3, Working capital. If the business is using the loan as working capital, they have a maximum period of seven years to repay it.

The interest

For current 7(a) program terms, visit SBA web site at www.sba.gov/financing/sbaloan/7a.html

7(a) Eligibility

The first step in applying for an SBA loan is finding out if you are eligible. You must be considered a small business according to the specific size standard the SBA has set for your particular industry. In some industries this is determined by annual revenues; in others, by the number of employees.

To find out if you are eligible, you need to know you SIC (Standard Industrial Code) classification, which may be obtained by visiting the U.S. Department of Labor Occupational Safety & Health Administration at www.osha.gov/pls/imis/sicsearch.html. This code is how the SBA determine the maximum number of employees or total revenue a business in a certain industry can have in order to qualify for a 7(a) loan.

Below are the general size guideline for eligibility:

1, Wholesale companies with fewer than 100 employees.

2, Agriculture companies with sales of less than $750,000.

3.Retail or service companies with not more than $29 million annual sales (three-year average). Sales limits are baed on your business type.

4, Manufactures with fewer than 500 employees (as many as 1,500 in some cases).

5, Construction companies with no more than $28.5 million annual sales (three-year average). Sales limits are based on your business type.

Once determined to be a small business, you must demonstrate that you have exhausted alternative forms of funding, including personal assets. Your business must operate in the United States and be a for-profit entity. Finally, the owner’s equity must be enough so that investment can occur in the further.

Special-Purpose Programs

The 7(a) program also acts as an umbrella program for several initiatives put into place in order to help business with specific circumstances obtain higher guarantees.These initiatives act as incentives for the business world to conform to certain public policy standards or to accomplish certain policy objectives.

These special-purpose loans are geared either toward specific segments of the population or business with specific needs. The following programs fall under the 7(a) umbrella and are all subject to annual funding appropriations; as a result, availability may be limited.

1, Disabled Assistance Loan (DAL) Program

2, 7(a)11 Program

3, Solar Energy and Conservation Loan Program

4, Export Working Capital Program

5, International Trade Loan Program

6, Employee Trust Loan Program

7, Veteran’s Loan Program

8, Pollution-Control Loan Program

9, Defense Economic Transition Loan Program

10, LowDoc Program

11, SBA Express Loan Program

12, SBAExport Express Loan Program

13, Community Express Loan Program

14, CAPLines Loan Program

Ineligibility For 7(a) Loans

1, Those that deal in lewd or pornographic good or services.

2, Those that deal with gambling or other illegal activities

3, Lenders and investors

4, Schools or academies

5, Nonprofit corporation and charities

6, Those that deal in speculative activities

7, Pyramid sales companies

The Application Process

You can approach either an approved lender or the SBA directly to apply for an SBA loan. Either way, you will need to fill out their application forms and provide them with any information they require. Keep your business plan handy and update it if need be.

In order to have even a remote shot at getting your loan approved, you’ll have to meet some requirements set down by the lender and the SBA. These include:

1, Adequate collateral

2, Decent credit record

3, Solid management team

4, Owner equity (at least 10% of the loan’s value, invested from your own funds)

5, Consistent and adequate cash flow to support loan payment.

If you think you have met these requirements, submit your application. Plan on several interviews with the lender, who will contact you and ask you to send your financial information before granting preliminary approval. Make sure you have all of this information together in one place so that you can respond quickly. After your information has been verified by the lender, a loan package will be created and sent to the SBA, which will either approve or reject it. Upon approval, the funding is yours.

Small Business Investment Corporations

SBICs are not part of the SBA, but rather privately owned by a community of bankers investors, and other professionals that acts similarly to venture capitalists.

If your business is quite mature or relatively close to going public, SBIC financing might be the way to go. SBICs are generally broken down into three categories:

1, Traditional SBICs – Providing loans and debt financing to a wide variety of small business.

2, Specialized SBICs – Focusing on providing capital for business that are owned by the economically or socially disadvantaged.

3, Venture SBICs – The most recent incarnation of the SBIC, providing capital to venture capital-eligible firms in order to aid with research and development. This type of SBIC is the one most carefully watched by the SBA.

So if you have a traditional business, such as a retail store or chain of restaurants, the traditional SBIC is the way to go for a loan or for debt financing. If your business is controlled by women or minorities, you may get better terms dealing with a specialized SBIC. If you company is developing a new piece of technology or a drug that is in the public’s interest, then a venture SBIC would be your choice.

Obtaining SBIC Funding

The first step in getting SBIC capital is to research the SBICs in your community or in areas crucial to your business. Once you know what is out there, you need to investigate each SBIC thoroughly to see if it would be a good match for your company.

Things to consider when choosing an SBIC:

1, Your company’s needs

2, What types of investment the SBIC makes

3, What kind of management services the SBIC offers

4, How much money is available

5, How much money will be available in the future

6, If the time frame is adequate

Planning is crucial. Approach an SBIC as soon as you can project when you will need an infusion of capital. The next step, once you have identified which SBICs are potentially right for your business’s needs, is to prepare a presentation and start knocking on doors. Once again, your business plan the the best tool for presenting your business and making a good impression. Make sure it is thorough, complete, and fully updated before approaching an SBIC.