5 C's of Funding

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1. Character - credit score of 680 and up
2. Capacity to repay
3. Capitalization
4. Collateral
5. Conditions


You also need a:
Business plan or profile
Loan request


Lenders look for:


1. Preparation
2. Completeness of files
3. Honesty, Clarity
4. Qualifying Standards
5. 5 C's
6. Equity


Before you apply for a SBA Loan, be informed and prepared. Sign up for a free consultation with your local SBDC office. I met with Eleanor Beasley, Business Advisor and Jeffrey Francis, SBA Specialist to talk about my business plan. They gave me templates of Personal Financial and Personal Budget Statements to fill out.  I realized that I have be procrastinating on doing the work. I need to focus and finish the paperwork by Feb 29. I am making an appointment with the SBDC Santa Monica office to get help today. 
http://smcsbdc.org

If you have never been to any SBDC Office before about this business venture, please go to:

http://lasbdcnet.ecenterdirect.com/Welcome.action?Home=75

Choose “New Client Sign-up” from the menu on the left and complete the online form.


P.S. Did you know that people judge you based on 3 things? Read more about it in my blog: 

http://fitn-twist.blogspot.com

Free grants info and newsletter. Sign up at: http://kifoundation.org/FREE_Grant_Info.html

Ingrid Cheng

Author of Dream: Creating a Better World

http://healthyinsideout.ning.com

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