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Alternative Financing

How to Raise Capital But Preserve Your Equity: Royalty Based Crowdfunding (Interview With Arthur Lipper)

Victoria Silchenko | Posted 12.02.2014 | Small Business
Victoria Silchenko

With nowadays technology which keeps simplifying revenue management while making crowdfunding platforms as commodities, I believe royalty based crowdfunding is set to be one of the most popular models in the next two-three years.

Have a Hot Food Company? Here Are Few Tips on Finding the Right Financing

Gary Groff | Posted 11.18.2014 | Small Business
Gary Groff

A lot of businesses think they need to bring in equity investors as soon as possible. Every business is different, but building your customer base and revenue stream is going to help you get a better equity deal.

'The Knowledge' - Man vs. Machine

David Sederholt | Posted 11.06.2014 | Small Business
David Sederholt

Fintech or human insight? The simple logic remains that people make the best decisions concerning people and the small businesses they run. We supercharge our data collection and availability, but in the end, it is still a human looking through that telescope of technology.

"Alternative Financing": An Unnecessary Evil or a Key Service for the Underbanked?

Gina Harman | Posted 10.19.2013 | Business
Gina Harman

It's important when participating in this conversation to understand who the underbanked are. And alarmingly, according to the 2011 FDIC National Survey of Unbanked and Underbanked Households, they are 1 in 5 households in the U.S. (20.1 percent).

Equity Crowdfunding Is Set to Begin This Fall for Small Business Owners. Are You Ready to Snag $1 Million?

Jerry Chautin | Posted 10.12.2013 | Small Business
Jerry Chautin

Unlike donation crowdfunding, all promotions and marketing for equity crowdfunding had to be done on the portals.

When VCs Say No

Lili Balfour | Posted 05.06.2013 | Small Business
Lili Balfour

We all know about crowd funding, but there are several sources of capital that are rarely discussed: revenue-based loans and asset-based loans. Both types of loans are similar to venture capital in that they work best with companies that have demonstrated potential for strong future growth.

Financing Experts Posted Advice Online for Buying and Selling a Business or Franchise

Jerry Chautin | Posted 10.31.2012 | Small Business
Jerry Chautin

I attended a webinar a few weeks ago called "Best Practices in Buying and Selling a Business with a Focus on Financing." It explored the availability ...

SBA's New Rules Enable Its Small Loan Advantage Program to Reach Small-Business Owners Nationwide

Jerry Chautin | Posted 08.06.2012 | Small Business
Jerry Chautin

Wisely, SBA modified its rules to permit all SBA lenders to participate in the Small Loan Advantage Program effective June 1. The changes are part of SBA's massive modification to its standard operating procedures.

Crowdfunding, a Burgeoning Phenomenon to Raise Money for Some Enterprises and Nonprofits

Jerry Chautin | Posted 07.17.2012 | Small Business
Jerry Chautin

Kiki Karpus invests in start-ups and emerging businesses -- well, sort of. Instead of choosing the companies based upon the likelihood of their succes...

Don't Abolish SBA; Mills Says Her Agency Is Faster, Quicker, Better

Jerry Chautin | Posted 06.11.2012 | Business
Jerry Chautin

Some legislative ideologues and conservative groups would rather abolish the SBA than spend taxpayers' money to boost its small business loan-guarantee programs.

Small Business Financing May Suffer From Obama's Proposed Budget and Political Wrangling

Jerry Chautin | Posted 04.22.2012 | Small Business
Jerry Chautin

Small-business owners are holding their collective breaths as the Obama Administration's proposed budget wends its way through the politically-charged Congress.

Commercial Mortgage Bankers Are Doing Deals As the Real Estate Market Breathes New Signs of Life

Jerry Chautin | Posted 04.02.2012 | Business
Jerry Chautin

Rental apartments are back in demand, financing for hotels and motels is loosening up a bit and investors are stepping off the sidelines with wads of cash to do deals.

HARP Is Harping on the Wrong Solution and Bilking Taxpayers

Jerry Chautin | Posted 01.29.2012 | Business
Jerry Chautin

The revised HARP program will help a few homeowners and investors at taxpayers' expense. It will release refinancing lenders from liability. And most disappointing, it may have no discernible effect on improving our economy.

Lender "Screws Up," Others Can Learn From Its Mistakes

Jerry Chautin | Posted 10.17.2011 | Business
Jerry Chautin

Every bank has its own sweet spot for small-business loans and will look at your application somewhat differently. Find the right one and form a business relationship before applying.

SBA Puts the Kibosh on an Important Small Business Lending Program

Jerry Chautin | Posted 05.25.2011 | Business
Jerry Chautin

Community express loans have been widely used by small-business owners in need of small amounts of working capital ― currently up to $25,000 in most areas.

New Refinancing Program May Help Stem a Pending Foreclosure Disaster

Jerry Chautin | Posted 05.25.2011 | Business
Jerry Chautin

Pundits say that $350 billion of commercial mortgage loans are coming due for payoff. The balances still owed are so high that many borrowers will be unable to refinance conventionally.

SBA Lending Tanks While Business-Loan Applications Proliferate at Sam's Club

Jerry Chautin | Posted 05.25.2011 | Business
Jerry Chautin

Amidst the foreboding headlines, there is a not-so-noticeable success story for small-business borrowers. SBA's Community Express Program continues to chug along at a brisk pace.

Independent Films' New Path to Financing

Jeff Steele | Posted 05.25.2011 | Technology
Jeff Steele

Indie filmmakers are always looking for money. Now enterprising producers have discovered an unprecedented new resource for funding: they're going online and hitting up their audiences.

A Small-Business Bank with National Impact Has Died

Jerry Chautin | Posted 05.26.2011 | Business
Jerry Chautin

I lost a friend last week. Innovative Bank of Oakland, Calif. is kaput. Just like with other bank failures, the regulators swooped down on the floundering bank after the stock market closed on Friday.

Real Estate Financing for Businesses and the New Secondary Market Will Create Jobs but the Dybbuk is in the Details

Jerry Chautin | Posted 05.25.2011 | Business
Jerry Chautin

A new secondary market for the U.S. Small Business Administration's 504 loan program is up and running.

Credit-Card Borrowing Is Hurting Small Businesses

Jerry Chautin | Posted 05.25.2011 | Business
Jerry Chautin

Once upon a time loans from friends and family ranked as the most prevalent way for entrepreneurs to fund business start-ups. Now, credit cards have jumped to the top of the list.

Business Financing Has Unexpected Alternatives

Jerry Chautin | Posted 05.25.2011 | Business
Jerry Chautin

Borrowers who were seeking creative financing raised my antennae when I was in the lending business.

Angels Hover Over Small Businesses, and Some Are Making Deals

Jerry Chautin | Posted 05.25.2011 | Business
Jerry Chautin

Angel investors are often wealthy individuals that invest under $1 million in promising, new companies. They lend to companies that are too risky for traditional business loans from conservative banking institutions.

Get ready to grow your business this year

Jerry Chautin | Posted 05.25.2011 | Business
Jerry Chautin

Resolve to grow your business in 2010. But if you have not started your company yet, resolve to launch it.

CIT's Bankruptcy Is Not Doomsday for Small Businesses

Jerry Chautin | Posted 05.25.2011 | Business
Jerry Chautin

CIT has been a stalwart lender for small businesses. But there are alternatives if you look for them.