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Financing your business made easy

Author: Alterowitz, Ralph Publisher: Entrepreneur, 2006.Language: EnglishDescription: 241 p. ; 23 cm.ISBN: 1599180227Type of document: BookBibliography/Index: Includes index
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Item type Current location Collection Call number Status Date due Barcode Item holds
Book Asia Campus
Main Collection
Print HG4027.6 .E58 2007
(Browse shelf)
900172813
Available 900172813
Total holds: 0

Includes index

Digitized

Financing your business Financing your business Contents Introduction Part One. Getting Started 1. Getting StartecUNeed Money, Part 1 Personal Savings: Invest in Yourself and in Your Business Show Yourself the Money 4 Home Equity: Your Home Can Be Your Most Valuable Asset Refinancing 8 Tap the Equity 9 Funding from Family or Friends Loans 10 Gifts 1 1 2. Getting StartecUNeed Money, Part 2 Banks and Finance Companies: Show the Lender Who You Are and What You Are Made of Microloans 14 The Five C's of Credit 16 Credit Cards: Careful Funds Management Keeps You from "Kiting" Set up a Spreadsheet 19 Acquire Two to Three New Cards Every Month 19 Use Courtesy Checks 19 Use Some Cards for Purchases, Others for Cash Advances Start Moving the Money Around 20 Get Rid of High-lnterest Stale Cards 20 19 Contents 20 The Small Business Administration: Uncle Sam Targets Services for Small Businesses Find Another Source of Funding SBA Loan Programs 2 2 SBICs and SSBICs 2 5 21 27 Equipment Leasing: Free up Cash for Intellectual Capital Leasing Advantages 2 8 The Operating Lease 2 8 The Finance Lease 29 3. Getting StartedlNeed More Money, Part 1 The Equity-Investor Universe: Different Investors Meet Different Needs Equity Investors 31 Family and Friends 32 Angels 32 Professional Venture Capitalists 33 Venture-Oriented Mutual Fund lnvestors 33 Business Analysis: From Subjective to Objective Equity Cost of Capital Preparation Costs Investor Fit The "Fit" Analysis 36 34 34 35 35 37 Even with Family and Friends, Create a Business Relationship What Do Family and Friends Want from You? 39 Differences in Motivation 40 Terms 41 Guidelines 43 4. Getting StartedINeed More Money, Part 2 Angels: Heaven-Sent Cash Can Jump-start a Business Angels as Informal Investors 47 Angels as Risk-Capital lnvestors 49 Dealing with an Angel 50 Where Do Angels Come From? 50 Key Characteristics of Angels 51 Finding Angels 52 Brokers and Finders 57 What Do Angels Want from You? Money on Wings Comes with Strings 60 Qualifying the Prospective Angel 63 What Angels Need 64 Contents 5. Getting Starterneed More Money, Part 3 Professional Service Providers: Use Equity to Get Aligned with Your Service Providers Finders and Brokers 71 Incubators and Accelerators Equity for Service Providers 72 74 70 70 Federal Agencies Can Be Research Partners HUD 75 DOC 75 USDA 76 Small Business Innovation Research Program CRADAs 77 76 State and Local Funding Sources: Where You Locate Your Business Can Pay Off Big State Funding 78 Loans, Loan Guarantees, and Interest Subsidies Local Funding 80 78 Loan Guarantees Make Large Loans Available to Small Companies Expenses of Privately Guaranteed Loans Guarantees as Bridge Financing 81 81 81 6. Getting Starterneed a Lotta Money, Part 1 Professional Venture Capitalists With VC Firms, You're Playing in the Major Leagues 83 84 85 Employers: Don't Take a Buyout, Create a Spin-Out Corporate Venture 88 What's Behind Spin-Outs? 89 Spin Out 91 Making the Business Case for a Spinout 92 Taking the Spinout to the Next Level 93 Spinouts and Other Investors 94 87 7. Getting StartedNeed a Lotta Money, Part 2 Joint Ventures and Strategic Alliances: Make Your Company Valuable as a Partner Creating a Strategic Alliance or a Joint Venture 97 Small Company Value in a Strategic Alliance 97 Why Small Companies Enter Strategic Alliances 98 Understand the Organizational Chart 99 Determine Your Value 100 Understand the Decision-Making Process 100 Contents Initial Conditions 100 The Partnership Deal 102 Using Business Advisors 104 Licensing Your Technology, Product, or Process: Let Another Company Make andlor Sell Your Product What Is Licensing? 109 Using Licensing to Raise Capital 11 1 W h y License? I I1 Financial Issues in Licensing 112 Valuation of Intellectual Property 114 Negotiating the Licensing Agreement 115 Part TWO. Growing Businesses 8. Getting Bigger, Need Money Again Suppliers: Good Cash-Flow Management Is Money in the Bank Buying on Credit 120 Buying on Consignment 122 Supplier-Managed inventory 222 Customers: If Possible, Piggyback on a Big Customer's Technology Adhering to Your Credit Terns Enterprise Portal Access 124 123 9. Gettlng Bigger, Need Even More Money Mezzanine Financing Accounts Receivable Financing and Factoring Using Receivables as Collateral 130 Factoring 130 Using Factoring Wisely 132 Six Questions to Ask a Potential Factor 133 Merchant Cash Advances (Credit-Card-Receivable Financing) Employees: Stock Options and ESOPs Spread the Wealth Stock Options 234 Employee Stock Ownership Plans (ESOPs) 136 Chapter 10. Need a Lotta Money to Go Big Time, Part 1 Finding Venture Capitalists Resources in the Outside Circle 140 The Venture Capital Road Show 141 Venture Forum 141 V C Firm Cattle Call 141 Contents What Do Venture Capitalists Want from You? Be Prepared to Sing for Your Supper The Stage Setters The Deal Makers 143 148 Need a Loth Money to Go Big Time, Part 2 Equity-Investor Arrangements: Nitty-Gritty Legal Language Is Important Private Placement 157 Direct Public Offering 161 Initial Public Offering 16 1 Reverse Merger 162 Investment Agreement: Get It in Writing-and Types of Equity lnvestment Offerings 164 Term Sheets 164 Get I t in Writing 175 Major Sections of the Term Sheet 165 Get It Right Need a Lotta Money to G Big Time, Part 3 o The Investment Agreement, Specific Clauses: Know Your Rights and Responsibilities Investment Agreement Structure Initial Capitalization 1 71 Capital Structure (Rights) 173 Capital Structure (Restrictions) 177 Right of First Refusal 178 Management Control 178 information 179 Representations and Warranties 180 Definitive Agreements 181 Appendix A. Glossary Appendix B. U.S. Small Business Administration Microloan Program Participating Intermediary Lenders Appendix C. Entrepreneur Profile Appendix D. Angel Investment Memorandum Appendix E. Law Firm Criteria and Evaluation Index 235

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