Podcasts about small business administration sba

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Best podcasts about small business administration sba

Latest podcast episodes about small business administration sba

The Thoughtful Entrepreneur
2198 - Why Your Next Business Move Should Be Buying, Not Starting: A Conversation with Baton's Chat Joglekar

The Thoughtful Entrepreneur

Play Episode Listen Later Jun 2, 2025 23:21


Confidently Navigate Small Business Buying and Selling with Baton's Chat JoglekarIn a recent episode of The Thoughtful Entrepreneur, host Josh Elledge spoke with Chat Joglekar, Co-Founder and CEO of Baton, a modern marketplace built to simplify the buying and selling of small businesses. Chat shared powerful insights into why acquiring an existing small business can be more strategic—and less risky—than starting one from scratch. He also outlined the tools Baton provides to make small business transactions more accessible, transparent, and successful.The Baton Approach to Small Business OwnershipBaton was born from a vision to demystify the complex process of small business transactions. Chat Joglekar and his team recognized that many entrepreneurs overlook the option of buying a business with built-in cash flow and customers, opting instead to launch from zero. Baton aims to shift that mindset.Chat explained that Baton functions as both a listing marketplace and an educational platform. Sellers can receive a complimentary valuation, and buyers can browse listings for free. Unlike traditional business brokers who charge up to 12%, Baton keeps its success fee at just 6%, lowering the barrier to entry for buyers.One of the most underutilized tools in small business acquisition, Chat emphasized, is the Small Business Administration (SBA) loan. For businesses valued under $5 million, SBA loans offer low-interest rates and long repayment terms. Baton helps guide buyers through the financing process and offers content and guidance to make these loans easier to understand and obtain.Whether you're selling your first business or stepping into entrepreneurship by acquisition, Baton supports your journey with webinars, guides, and one-on-one support. Chat's mission is clear: empower business owners with data, education, and an easy-to-navigate process.About Chat JoglekarChat Joglekar is the Co-Founder and CEO of Baton. With a background in product leadership at Google and venture-backed startups, Chat is passionate about simplifying entrepreneurship through small business acquisition. His career spans growth strategy, business development, and marketplace design.About BatonBaton is a digital marketplace designed to make buying and selling small businesses more efficient and affordable. With free business valuations, educational resources, and lower-than-average success fees, Baton is transforming how entrepreneurs approach small business transactions.Links Mentioned in this EpisodeBaton WebsiteChat Joglekar on LinkedInBaton's Free Business Valuation ToolEpisode HighlightsWhy buying an existing business offers built-in advantages like cash flow and customersHow SBA loans can finance acquisitions under $5 millionBaton's 6% success fee compared to traditional brokerage ratesFree business valuations and educational support offered by BatonThe growing trend of entrepreneurship through acquisitionConclusionThis conversation with Chat Joglekar offers a compelling look at the untapped opportunity in small business acquisition. Baton is making it easier, more affordable, and more informed for everyday entrepreneurs to buy and sell companies. Whether you're looking to exit your...

The Valley Today
Small Business Administration: Customer Service Matters

The Valley Today

Play Episode Listen Later May 21, 2025 26:12


In today's business landscape, customer service is pivotal for small businesses striving for success. In a recent conversation on the Valley Business Today, Janet Michael, the host, alongside Carl Knoblock, the Virginia District Director for the Small Business Administration (SBA), delved into the nuances of outstanding customer service and its impacts. Janet opened the discussion by sharing a pertinent anecdote about the vital role customer service played during a challenging week for her. A local company failed to meet expectations, whereas Green's Septic Services went above and beyond, earning her loyalty. This story highlighted the stark differences in customer service quality and its direct effect on consumer perceptions and business success. Carl underscored the lasting loyalty good customer service can engender, recounting his own experiences with veteran hospitals. He illustrated how exemplary service can outweigh other factors like price and convenience, embedding a sense of loyalty in customers. Janet reflected on the generational shifts in customer service expectations. While previous generations valued customer interactions significantly, today's digital age has altered these dynamics. Social media and digital communication have complicated the customer service landscape, requiring businesses to adapt continually. Throughout the conversation, both Janet and Carl shared practical examples demonstrating the essence of good customer service. Carl stressed consistency and reliability, while Janet highlighted the importance of going the extra mile, as exemplified by Green's Septic Services cleaning up after their visit. A significant portion of the discussion revolved around training staff for excellent customer service. Carl pointed out the disconnect between older and younger generations' understanding of customer service, with many younger employees lacking the ingrained practices of their older counterparts. He suggested that businesses might benefit from blending experienced hires with younger staff to bridge this gap. Janet recommended directly engaging customers to understand their likes and preferences, which can provide valuable insights for improving service. This practice not only informs better business strategies but also strengthens customer relationships by making them feel valued. The conversation concluded with a mutual understanding of the crucial role that customer service plays in a business's success. Both Janet and Carl emphasized that exceptional service creates loyal customers, potentially leading to word-of-mouth referrals and community support, thereby fostering a sustainable business environment.

The Corelink Solution with James Rosseau, Sr.
170. Navigating The Startup World of Your Entrepreneurial Journey

The Corelink Solution with James Rosseau, Sr.

Play Episode Listen Later May 13, 2025 15:01


In this episode, James addresses the common barriers to starting a business, particularly focusing on the lack of capital. Referencing a Gallup study, he notes that while lack of ambition is not the main barrier, financial constraints are significant. James emphasizes that many successful entrepreneurs started without seeking capital, using creativity to overcome financial limitations. He highlights the importance of building good credit, especially for minority entrepreneurs who face systemic challenges. James shares his personal experiences and advocates for leveraging resources like the Small Business Administration (SBA) and seeking mentorship to transform business ideas into reality. His actionable advice is to prepare thoroughly, seek wisdom over capital, and find opportunities proactively.

The Innovation Economy
#45: Bringing your "A" game to an event with Tiffany Hamilton, Victor Wear

The Innovation Economy

Play Episode Listen Later May 6, 2025 26:30


It takes a lot of public/private partnerships to bring economic stability and growth to a community. Arlington strives to share these partnerships with small businesses that may not otherwise get access to big opportunities. For the second year, Arlington's BizLaunch team is working with Hyatt Crystal City on a Minority Vendor Showcase that takes a partnership to a new level. I'm Susan Soroko, Director of Creative Economy at Arlington Economic Development in Arlington, Virginia. The role of Economic Development is to retain and attract businesses where workers can live and thrive in a great community even when the work world is changing. We support (small) business through programs like BizLaunch and value the importance of placemaking and a sector devoted to creative economy and the arts. Today we're going to talk about a special partnership with Hyatt Crystal City and what it's like to bring your A game to an event.   To help me discuss this, I'd like to welcome Tiffany Hamilton, Co- Founder of Victor Wear. Did you know 85% of people with autism are unemployed or underemployed? People like our Co-Founder, Isaiah—a straight-A student, video game developer, swimmer, and competitive bowler—face challenges in the job market, despite their many abilities. That's why we launched Victor Wear, an award-winning activewear brand dedicated to inspiring resilience and empowering and employing the autism community. We aim to have our company primarily run by neurodivergent individuals to create jobs while changing the disability narrative and creating a more inclusive world. At the Hyatt Regency Crystal City, our commitment to the community, connection, and care is at the heart of everything we do. We strive to create meaningful opportunities and foster an environment where all individuals feel valued and supported. Building strong relationships and opening doors for our diverse neighbors is our passion, especially within our National Landing community. That is the spark and core to the Minority Vendor Showcase that we aim to host each year. Resources Victor Wear: https://victorwear.com/ Arlington Economic Development BizLaunch Division: https://www.arlingtoneconomicdevelopment.com/Small-Business General information about the Small Business Administration (SBA): https://www.sba.gov/ SBA resources locally: https://www.sba.gov/local-assistance SCORE Counseling and other resources: https://www.arlingtoneconomicdevelopment.com/Small-Business/Small-Business-Programs/One-on-One-Counseling Small Business Saturday, November 30, 2024 The Innovation Economy Website: https://www.innovationeconomy.show Sign up for The Agile Brand newsletter here: https://agilebrandguide.com/ Get the latest news and updates on LinkedIn here: https://www.linkedin.com/showcase/innovationeconomy/ Listen to our other podcast, The Agile Brand with Greg Kihlström: https://www.theagilebrand.show The Innovation Economy podcast is brought to you by Arlington Economic Development: https://www.arlingtoneconomicdevelopment.com The Innovation Economy is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company

Small Biz FL
Ep. 318 | From Kitchen to Cold Treats: How Guanabana is Redefining Popsicles in Florida

Small Biz FL

Play Episode Listen Later Apr 23, 2025 14:30


In this flavorful episode of Small Biz Florida, host Tom Kindred sits down with Oliver Mosqueda, founder and owner of Guanabana, a Jacksonville-based popsicle business turning heads and cooling down customers with bold, unique flavors. Recorded live from the Florida State Capitol in Tallahassee during Small Business Days at the Capitol hosted by the Florida Small Business Development Center Network, Oliver shares his inspiring transition from working in restaurants to launching a family-run frozen treat brand. He opens up about the entrepreneurial challenges he faced, the keys to standing out in a crowded market, and how the Small Business Administration (SBA) helped him bring his vision to life. This episode offers practical insights for food-focused founders and anyone dreaming of starting their own venture. This podcast episode was recorded live at the Florida State Capitol hosted at the Capitol Courtyard in Tallahassee. This podcast is made possible by the Florida SBDC Network and sponsored by Florida First Capital. Connect with Our Guest: https://guanabanajax.com

Govcon Giants Podcast
15 Years Later: How My Business Plan Predicted Everything in Government Contracting!

Govcon Giants Podcast

Play Episode Listen Later Apr 21, 2025 7:14


In this episode of The Daily Windup, wee dive deep into the significance of business planning and the value of leveraging free resources for small businesses. Emphasizing the importance of writing a business plan as a starting point to organize thoughts, articulate ideas, and seek validation for a concept. Highlighting the benefits of proof-testing the plan, identifying potential gaps, and gaining external feedback to refine the business strategy. Our guest also shares their personal experience with utilizing resources like SCORE (Service Corps of Retired Executives) and taking advantage of free courses, classes, and mentorship programs offered by organizations like SCORE and the Small Business Administration (SBA). Emphasizing the value of seeking guidance from experienced mentors and participating in programs that align with their industry or market. Furthermore, we talk about the need for small businesses to explore various free resources available to them and take full advantage of the support and knowledge-sharing opportunities they provide. Tune in now to learn more!

Main Street Matters
Trump's Economic Policies: A Boon for Small Business with Alex Acosta

Main Street Matters

Play Episode Listen Later Apr 16, 2025 35:55


In this episode of Main Street Matters, Alfredo Ortiz speaks with former Secretary of Labor Alex Acosta about the importance of deregulation, the role of the Small Business Administration (SBA) in supporting small businesses, and the impact of Trump administration policies on the economy. They discuss the labor shortage, the need for workforce training, and the significance of association health plans in reducing healthcare costs for small businesses. The conversation also touches on reciprocal licensing for military spouses and the overall need to unleash the economy by reducing bureaucratic regulations. Main Street Matters is part of the Salem Podcast Network. For more visit JobCreatorsNetwork.com Get YOUR Tickets for the Second FREEDOM FIGHTERS SUMMIT & GALA at the Westin Savannah Harbor Golf Resort & Spa May 1 - 2, 2025See omnystudio.com/listener for privacy information.

ClimateBreak
Rerun: Including Marginalized Communities in Policy Decisions, with Dr. Andrew Rumbach

ClimateBreak

Play Episode Listen Later Apr 2, 2025 1:45


Climate change and household financial well-being The increase in climate-related disasters, such as floods, wildfires, and heat waves, has created serious financial burdens on households across the country. Since 1980, the world has seen a fivefold increase in the number of billion-dollar natural disasters. 2018 to 2022 alone saw an estimated $617 billion in damages from climate and weather related events. Beyond the public health and safety concerns, these disasters have hit Americans in the pocketbook. An estimated 13% have reported facing severe economic hardship following such disasters, with this number projected to rise as climate extremes become more frequent. For particularly vulnerable households, high financial costs from disasters can further exacerbate existing inequities. In order to adapt to a changing world of more frequent climate catastrophes, policy makers will need to develop solutions to assist populations in disaster recovery. Solutions to climate-related financial disasterThe impacts of climate-related disasters are numerous. In addition to harming businesses and infrastructure, extreme weather events can lead to worker displacement, job loss, and migration. Catastrophic climate events, known as climate hazards, create financial strain on households from damage done to one's property. Many households may not have the immediate resources or savings needed to repair the damage, leading to long-term displacement and financial instability. Healthcare costs, transportation expenditures, and inability to access proper insurance coverage are other burdens many individuals face following a natural disaster.Low-income communities will face the brunt of climate change impacts. By understanding the historical inequities that have pushed marginalized communities into regions particularly vulnerable to climate change, policy makers can create more equitable outcomes. Many officials are now encouraging increased access to education, “democratized” climate decision making, and new ways to engage and empower people to take a stance in decisions about the climate. The US Department of the Treasury further suggests that households consider utilizing government incentives to adopt climate-resilient property modifications, such as tax credits and rebates for energy-efficient home improvements. Policymakers further plan to support financial well-being by assisting households in financial resiliency efforts with programs through the Federal Emergency Management Agency (FEMA) and U.S. Small Business Administration (SBA).Advantages of improving financial stability following a climate disasterInitiatives designed to address vulnerable communities affected by climate disasters can assist in adaptation towards climate extremes. Having access to resources, whether political or social, is key to providing impacted communities with the support they need to adapt to a changing environment. With increased educational awareness and government assistance, households facing financial distress and instability following a climate-related event will have the support they need to recover.Setbacks to achieving financial stability In order for these goals to be realized, policy makers will need to overcome significant challenges. For example, many households across the country face underinsurance, as climate extremes become more common and push insurers to raise rates or pull out of the insurance market altogether. As a result, vulnerable regions may be left without the proper resources to recover. A recent report found that policies for 39 million properties (about a quarter of all homes in the US) are under-priced for the climate risk needed to insure those properties. Without insurance coverage, homeowners are unable to fix damaged property.Furthermore, the most severe effects of climate change disproportionately affect socially vulnerable populations. Less than 60% of single-family homeowners living in areas where mandatory flood insurance is required actually have the necessary insurance. As such, policy makers need to pay more attention to those communities most vulnerable to climate change in order to ensure they have access to the insurance needed to recover from a disaster and achieve financial stability following a climate-related event.Dr. Andrew Rumbach, Senior Fellow in the Metropolitan Housing and Communities Policy Center at the Urban Institute, studies household and community risk to natural hazards and climate change. Dr. Rumbach is involved in the policy implementation and research of numerous federal and state-declared disaster events and is on the forefront of addressing disaster vulnerability and environmental risk.ResourcesNBC: Climate change could impose ‘substantial financial costs' on U.S. household finances, Treasury warnsWorld Bank: Social Dimensions of Climate ChangeUS Treasury: The Impact of Climate Change on American Household FinancesUS Treasury: Fact Sheet: The Impact of Climate Change on American Household FinancesFurther ReadingBBC: Climate change is fuelling the US insurance problemFor a transcript of this episode, please visit https://climatebreak.org/including-marginalized-communities-in-policy-decisions/.

Watchdog on Wall Street
SBA Loses Billions

Watchdog on Wall Street

Play Episode Listen Later Mar 29, 2025 4:32


Chris exposes the shocking failure of the Small Business Administration (SBA) to implement fraud detection measures before distributing nearly $1 trillion in COVID relief. Highlighting gaps in the Paycheck Protection Plan (PPP) and EIDL programs, Markowski reveals how fraudulent claims were approved without proper checks, resulting in massive taxpayer losses. The lack of oversight has fueled inflation and left taxpayers footing the bill. www.watchdogonwallstreet.com

The Innovation Economy
#44: Women's History Month celebration with Mary Wong: ‘Moving Forward Together'

The Innovation Economy

Play Episode Listen Later Mar 26, 2025 21:13


March is the month to celebrate Women's History. In business, 40% of new companies are started by women, employing 10 million workers and generating $1.8 trillion in revenue. That's a lot of economic impact to celebrate. I'm Susan Soroko, Director of Creative Economy at Arlington Economic Development in Arlington Virginia. The role of Economic Development is to retain and attract businesses where workers can live and thrive in a great community even when the work world is changing. We support (small) business through programs like BizLaunch and value the importance of placemaking and a sector devoted to creative economy and the arts. Today we're going to talk about the value and impact of women owned businesses on our economy. To help me discuss this I'd like to welcome Mary Wong, Founder and Principal Consultant of EvaluCcraft Global. Ms. Wong is the Founder and Principal Consultant of EvaluCraft Global, LLC, a data-driven and evidence-informed consulting firm that provides public and foreign policy analysis and evaluation services. Established in Arlington in January 2020 to meet an emerging need, EvaluCraft Global, LLC helps public and private sector organizations at all levels around the world engaged in public and international affairs to analyze, assess and evaluate associated policies and programs for effectiveness, impact, output and outcomes. Our core values are competence, transparency and accountability. Prior to launching EvaluCraft Global, Ms. Wong served 11 ½ years with the U.S. Department of State, most recently as Deputy Director in the Office of Management Policy and Resources in the Bureau of International Organization Affairs and prior to that as Deputy Director in the Office of the Fulbright Scholarship Board in the Bureau of Educational and Cultural Affairs. Before joining U.S. federal public service, Ms. Wong worked 8 ½ years on design and administration of international exchanges and training for the Institute of International Education in Washington, DC and in Hanoi, Vietnam. Ms. Wong has a Master of Public Policy degree in Program Evaluation from the George Washington University's Trachtenberg School of Public Policy & Administration, a Master of Arts degree in International Development with a focus on Social and Economic Development from the University of Kentucky's Patterson School of Diplomacy & International Commerce and a Bachelor of Arts degree in International Relations with a concentration in Political Economy from Drake University in Iowa. Ms. Wong is passionate about foreign policy relevance to the publics. When not working, Ms. Wong enjoys traveling and learning about the world with her husband and two children; cheering on her daughters in all their curricular and extracurricular pursuits, and contributing to community-building through the Bahá'í Faith and service projects. Resources: EvaluCraft Global  Arlington Economic Development BizLaunch Division: BizLaunch  Minority Vendor Fair Upcoming Minority Vendor Showcase at Hyatt Crystal City   General information about the Small Business Administration (SBA): https://www.sba.gov/ SBA resources locally: https://www.sba.gov/local-assistance SCORE Counseling and other resources: https://www.arlingtoneconomicdevelopment.com/Small-Business/Small-Business-Programs/One-on-One-Counseling Sign up for The Agile Brand newsletter here: https://agilebrandguide.com/ Get the latest news and updates on LinkedIn here: https://www.linkedin.com/showcase/innovationeconomy/ Listen to our other podcast, The Agile Brand with Greg Kihlström: https://www.theagilebrand.show The Innovation Economy podcast is brought to you by Arlington Economic Development: https://www.arlingtoneconomicdevelopment.com The Innovation Economy is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company

The Todd Huff Radio Show
DOGE Fraud Discovery | March 25, 2025 | Hour 1

The Todd Huff Radio Show

Play Episode Listen Later Mar 25, 2025 40:50


The Department of Government Oversight and Ethics (DOGE) has recently uncovered significant instances of waste, fraud, and abuse within various government programs. Among the most concerning findings is the revelation that Social Security payments have been mistakenly issued to deceased individuals, resulting in a substantial loss of taxpayer funds. Additionally, the Small Business Administration (SBA) identified millions of dollars in financial disbursements being allocated to individuals under the age of 11 — a clear indication of fraudulent activity exploiting government resources. These discoveries underscore the urgent need for stronger oversight, improved verification processes, and stricter accountability measures to ensure public funds are distributed responsibly and effectively.With Dan Bongino now joining the Trump administration, we have a unique opportunity to expand this program and potentially step into some of the radio slots he's leaving behind. We'd love to have your support in making this happen! If you're interested in helping, check out the link for more details.  https://www.toddhuffshow.com/joinFreedom Marketplace: https://freedommarketplace.net The Stack: https://www.toddhuffshow.com/stack-of-stuff Email: todd@toddhuffshow.comPhone: 317.210.2830Follow us on…Instagram: @toddhuffshowFacebook: The Todd Huff ShowTwitter: @toddhuffshowLinkedIn: The Todd Huff ShowTikTok: @toddhuffshowSupport Our Partners:https://www.toddhuffshow.com/partners Links:https://www.mypillow.com/todd Promo Code: TODDhttps://mystore.com/toddhttps://soltea.com - Promo Code TODD for $29.95 off your first orderEaston University - https://www.eastonuniversity.comkenaifish.com - Promo Code TODD to save 15%

Todd Huff Show
DOGE Fraud Discovery | March 25, 2025 | Hour 1

Todd Huff Show

Play Episode Listen Later Mar 25, 2025 40:50


The Department of Government Oversight and Ethics (DOGE) has recently uncovered significant instances of waste, fraud, and abuse within various government programs. Among the most concerning findings is the revelation that Social Security payments have been mistakenly issued to deceased individuals, resulting in a substantial loss of taxpayer funds. Additionally, the Small Business Administration (SBA) identified millions of dollars in financial disbursements being allocated to individuals under the age of 11 — a clear indication of fraudulent activity exploiting government resources. These discoveries underscore the urgent need for stronger oversight, improved verification processes, and stricter accountability measures to ensure public funds are distributed responsibly and effectively.With Dan Bongino now joining the Trump administration, we have a unique opportunity to expand this program and potentially step into some of the radio slots he's leaving behind. We'd love to have your support in making this happen! If you're interested in helping, check out the link for more details.  https://www.toddhuffshow.com/joinFreedom Marketplace: https://freedommarketplace.net The Stack: https://www.toddhuffshow.com/stack-of-stuff Email: todd@toddhuffshow.comPhone: 317.210.2830Follow us on…Instagram: @toddhuffshowFacebook: The Todd Huff ShowTwitter: @toddhuffshowLinkedIn: The Todd Huff ShowTikTok: @toddhuffshowSupport Our Partners:https://www.toddhuffshow.com/partners Links:https://www.mypillow.com/todd Promo Code: TODDhttps://mystore.com/toddhttps://soltea.com - Promo Code TODD for $29.95 off your first orderEaston University - https://www.eastonuniversity.comkenaifish.com - Promo Code TODD to save 15%

South Asian Trailblazers
Dilawar Syed, U.S. Small Business Administration's (SBA) Deputy Administrator

South Asian Trailblazers

Play Episode Listen Later Mar 21, 2025 52:00


Send us a textOn the nostalgic grounds of their shared alma mater, Wharton, Simi speaks with Dilawar Syed, the Deputy Administrator of the U.S. Small Business Administration (SBA). A role he was nominated into by President Biden, Administrator Syed was the highest-ranking Muslim official in the U.S. Government at the time of this recording. WATCH IT ON YOUTUBE.Syed came to the SBA from the State Department where he served as Special Representative for Commercial & Business Affairs. As the State Department's top commercial diplomat, Deputy Administrator Syed advocated for U.S. companies to compete and win abroad and helped ensure U.S. competitiveness in markets across the globe. Before joining the Biden Administration, Syed held the roles of CEO at Lumiata, an AI healthcare company, and President at software company, Freshworks.  Earlier in his career, Syed oversaw business operations for Yahoo!'s platforms and infrastructure and was a product manager at Siebel Systems and SAP. His transition to public service is marked by civic efforts at the federal, state, and local levels. He was the founding Chair of the California Entrepreneurship Task Force with the Governor's Office, served on President Obama's White House Commission on Asian Americans and Pacific Islanders (AAPIs), and chaired the White House Initiative on AAPIs' Economic Growth Committee. In that role, Syed led the administration's engagement with small businesses across the U.S. after the passage of the American Recovery and Reinvestment Act of 2009. In 2020, Syed was tapped by San Jose Mayor Sam Liccardo to help lead Silicon Valley's pandemic recovery as a member of the Silicon Valley Recovery Roundtable. Syed holds an M.B.A. from Wharton and earned a B.A. in Economics and Computer Science from The University of Texas at Austin.South Asian Trailblazers is an award-winning media platform, community, and agency dedicated to elevating leading South Asians. Join our community at SouthAsianTrailblazers.com. Subscribe to our newsletter to get new episodes and updates on our latest events in your inbox. Follow us @southasiantrailblazers on Instagram, LinkedIn, Facebook, Youtube, and all major podcast platforms, including Apple and Spotify.

Financial Survival Network
Big Banks, Government Fraud & SBA Scandal - Lloyd Chapman #6258

Financial Survival Network

Play Episode Listen Later Mar 19, 2025 27:03


The discussion focused on the challenges facing small businesses in the U.S. and the role of the Small Business Administration (SBA) in supporting them. Kerry Lutz and Lloyd Chapman highlighted the SBA's historically low budget of approximately $800 million, which they argue is insufficient given that small businesses account for 99.9% of all firms and create 98% of net new jobs. They expressed skepticism about the government's allocation of funds, particularly regarding the Paycheck Protection Program, which they believe favored larger businesses. The conversation also addressed broader issues of government fraud and the need for increased scrutiny of financial discrepancies, particularly within the Pentagon. Lloyd Chapman emphasized the importance of the Small Business Act of 1953 as a crucial economic stimulus for the middle class, while also noting the disparity in federal contracts awarded to men versus women-owned businesses. He presented data on the SBA 7A loan program, indicating a low default rate, and underscored the significant benefits derived from the SBA's budget. Both speakers expressed concerns about potential moves to close the SBA and warned of an impending economic crisis linked to the national debt. They discussed the need for a fairer tax system and proposed innovative strategies, such as utilizing Bitcoin, to address these economic challenges. Find Lloyd here:  https://asbl.com/ Find Kerry here: http://financialsurvivalnetwork.com/ and here: https://inflation.cafe

The Tudor Dixon Podcast
The Tudor Dixon Podcast: Reviving Small Businesses: The Trump Effect with Alfredo Ortiz

The Tudor Dixon Podcast

Play Episode Listen Later Mar 19, 2025 33:22 Transcription Available


In this episode, Tudor speaks with Alfredo Ortiz, CEO of Job Creators Network, about the challenges facing small businesses in America, particularly under the Trump administration. They discuss the impact of regulations, the importance of business plans, and the role of the Small Business Administration (SBA) in supporting entrepreneurs. Alfredo emphasizes the need for a balanced budget amendment and the importance of investing in oneself and one's ideas. The Tudor Dixon Podcast is part of the Clay Travis & Buck Sexton Podcast Network. For more visit TudorDixonPodcast.com To learn more about Job Creators Network CLICK HERE #smallbusiness #regulations #entrepreneurship #SBA #economicrecovery #entrepreneurs #governmentspending #businessplans #investment #Trump See omnystudio.com/listener for privacy information.

Verdict with Ted Cruz
The Self Deportation Proclamation, Justice comes to Antisemitic Campuses & COVID-era Loans to Children Week In Review

Verdict with Ted Cruz

Play Episode Listen Later Mar 15, 2025 25:56 Transcription Available


Immigration Policy and Self-Deportation App: The Trump administration has repurposed the controversial CBP One app, initially used by the Biden administration to facilitate migrant entry, into a self-deportation app called CBP Home. This app allows illegal immigrants to register for self-deportation, with the promise of potential legal re-entry in the future if they comply. Anti-Semitism and College Campuses: We highlight the rise of anti-Semitism on college campuses, particularly following the events of October 7th. It discusses the lack of action from the previous administration and the current efforts by the Trump administration to address these issues, including holding hearings and taking action against universities that tolerate anti-Semitic behavior. Fraudulent Loans During the COVID-19 Pandemic: We reveal significant fraud in the distribution of loans during the COVID-19 pandemic. It mentions that the Small Business Administration (SBA) granted loans worth millions to children and extremely elderly individuals, highlighting the lack of oversight and the potential misuse of funds. Political Commentary and Criticism: Throughout the document, there is a strong political commentary criticizing the Biden administration's policies and actions, contrasting them with the Trump administration's efforts to prioritize American citizens and restore integrity to various systems. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and the Ben Ferguson Show Podcast Wherever You get You're Podcasts. Thanks for ListeningYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

The Innovation Economy
#43: Celebrating Black Excellence with Chef Rock Harper of Queen Mother's Kitchen

The Innovation Economy

Play Episode Listen Later Feb 26, 2025 31:33


It's February! It's all about love and the Annual Celebration of Black History Month. I love how the two go hand in hand. This is an extra special podcast because Tara Palacios is filling in this month to host and in addition we are collaborating this month with our partners with the National Landing BID. Black History Month is a vital time to honor the achievements, resilience, and contributions of Black entrepreneurs who have shaped industries and paved the way for future generations. From trailblazers like Madam C.J. Walker to today's innovators in tech, finance, and beyond, their stories serve as powerful lessons in perseverance, creativity, and economic empowerment. As we celebrate Black excellence in entrepreneurship, we also recognize the ongoing challenges and the need for equitable opportunities. Join us as we highlight inspiring Black business leaders, share their journeys, and explore how we can foster a more inclusive and thriving entrepreneurial landscape. Hosting today is Tara Palacios, Director of BizLaunch at Arlington Economic Development in Arlington Virginia. Economic Development agencies throughout the US aim to build sustainable businesses and the role businesses play are vital to the health of our communities. We wholeheartedly support small business through BizLaunch and value the importance of placemaking as a sector devoted to creative economy and the arts. On today's show we are going to discuss black entrepreneurship and what it takes to innovate and create using food as a canvas…. To discuss this topic is the renowned Chef Rock Harper of Queen Mother's Kitchen located in National Landing in Arlington. Resources Queen Mother's Kitchen website: https://www.queenmothercooks.com/ National Landing BID: https://nationallanding.org/ Arlington Economic Development BizLaunch Division: https://www.arlingtoneconomicdevelopment.com/Small-Business General information about the Small Business Administration (SBA): https://www.sba.gov/ SBA resources locally: https://www.sba.gov/local-assistance SCORE Counseling and other resources: https://www.arlingtoneconomicdevelopment.com/Small-Business/Small-Business-Programs/One-on-One-Counseling Small Business Saturday, November 30, 2024 The Innovation Economy Website: https://www.innovationeconomy.show Sign up for The Agile Brand newsletter here: https://agilebrandguide.com/ Get the latest news and updates on LinkedIn here: https://www.linkedin.com/showcase/innovationeconomy/ Listen to our other podcast, The Agile Brand with Greg Kihlström: https://www.theagilebrand.show The Innovation Economy podcast is brought to you by Arlington Economic Development: https://www.arlingtoneconomicdevelopment.com The Innovation Economy is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company

The Valley Today
Small Business Administration: The Ripple Effect

The Valley Today

Play Episode Listen Later Feb 19, 2025 33:34


In this episode of The Valley Today, host Janet Michael welcomes back cohost Carl Knoblock, the Virginia District Director for the Small Business Administration (SBA), for a conversation about the importance of preparedness and adaptability in business. Between humorous and honest exchanges, Janet and Carl delve into how businesses manage amidst uncertainties and disruptions, with a specific look at the lessons learned from recent events like the COVID-19 pandemic. Reflecting on the pandemic's unforeseen arrival and the dramatic pivots it necessitated, Carl emphasizes the need for businesses to 'expect the unexpected.' He stresses the importance of not becoming complacent once a business model appears to be running smoothly. 'We're creatures of habit,' Carl notes, alluding to the challenge businesses face in disrupting their own routines to accommodate potential disruptions. Janet builds on this by noting that many businesses adapted during the pandemic only to revert to pre-pandemic operations once the immediate crisis passed. She argues that businesses need to retain a forward-thinking mindset rather than assuming the worst has already happened and won't reoccur. Carl shares insightful anecdotes from his extensive professional background, including his experiences in China during the SARS outbreak and his observations about the global economy's interconnected nature. He discusses the ripple effects of economic disruptions, both in large metropolitan areas and isolated regions, emphasizing the far-reaching impacts of federal decisions on local communities. Janet and Carl discuss the significance of being agile and the pivotal role of government grants and contracts for small businesses and nonprofits. They touch on the growing importance of social media and AI in business strategy and preparedness, offering practical advice for leveraging these tools. Carl advises businesses to look beyond their immediate networks and seek diverse mentorships to tackle staffing issues and other challenges. The conversation wraps up with a reiteration of the need for businesses and nonprofits to constantly re-evaluate and update their plans. Janet underscores the value of expanding one's network, while Carl highlights the necessity of paying attention to federal budgets and policy directions. Their dialogue serves as a robust guide for small businesses on surviving and thriving amidst uncertainty, promoting a mix of resilience, constant learning, and community engagement.

The Future Of Work
Rebuilding After The LA Fires: A Comprehensive Guide to the SBA's Disaster Support with Julie Clowes, Director, Los Angeles District Office, U.S. Small Business Administration Episode 138

The Future Of Work

Play Episode Listen Later Feb 18, 2025 28:24


How can small businesses rebuild after a crisis like the recent LA fires? The Small Business Administration (SBA) plays a crucial role in recovery; offering financial assistance, business counseling, and disaster relief. Many independent contractors and home-based businesses don't realize they qualify for SBA loans, but resources are available for a wide range of business types. Julie Clowes, Director of SBA's Los Angeles District Office, joins us to discuss how the SBA provides critical support, especially in times of rebuilding after disaster. From financial assistance to business counseling, the SBA helps entrepreneurs access vital aid. Their local assistance tool on SBA.gov connects businesses with nearby advisors and recovery services. In response to the fires, the SBA is actively providing financial relief and guidance to help businesses, homeowners, and communities rebuild—while also emphasizing policy changes and mitigation efforts to strengthen future resilience.   You'll learn:  How small businesses can access resources like district offices and business centers. What kind of assistance the SBA has to offer in response to the recent LA fires. Who is encouraged to apply for SBA loans and aid. Learn critical strategies for small businesses to prepare for and recover from future disasters. Where individuals can locate resources based on their zip code for small business assistance.   About the Guest: Julie Clowes is the Director of SBA's Los Angeles District Office where she oversees delivery of SBA's programs and services within Los Angeles, Ventura and Santa Barbara counties.  Prior to joining the LADO Julie held numerous positions within SBA including Acting Deputy Associate Administrator -Office of Entrepreneurial Development, Director of the San Francisco District Office, Deputy District Director of the Washington Metropolitan Area District Office, Chief Marketing & Outreach attorney in the Office of General Counsel and Public Affairs Specialist with the Michigan District Office. Julie also volunteers her time for colorectal cancer advocacy efforts and was a Board member of the Colorectal Cancer Alliance.   Engage with us: LinkedIn, Instagram & Facebook: @PasadenaCityCollegeEWD Join our newsletter for more on this topic: ewdpulse.com Visit: PCC EWD website   More from Julie Clowes & U.S. Small Business Administration   Website: https://www.sba.gov/ LinkedIn: @julie-clowes & @us-small-business-administration Facebook & X (Twitter): @sba.gov   Partner with us! Contact our host Salvatrice Cummo directly: scummo@pasadena.edu Want to be a guest on the show? Click HERE to inquire about booking    Find the transcript of this episode here   Please rate us and leave us your thoughts and comments on Apple Podcasts; we'd love to hear from you!  

The Hire Yourself Podcast
How to Fund Your Business Without Breaking the Bank

The Hire Yourself Podcast

Play Episode Listen Later Feb 18, 2025 7:11


Hire Yourself Podcast with Pete GilfillanPete Gilfillan tackles one of the most common concerns among aspiring franchise owners: How do I fund my business? In this episode, Pete breaks down various funding options, from SBA loans to leveraging retirement funds, offering practical strategies to help you secure the capital you need to launch and scale your franchise successfully.In this episode, Pete discusses:SBA Loans and Traditional LoansPete explains how Small Business Administration (SBA) loans work, including their guarantees, rates, and timelines. He also highlights how traditional loans can be an option for experienced business owners or existing franchises.Using Home EquityPete emphasizes the value of tapping into home equity as a funding source, enabling you to leverage one of your largest assets to invest in your business.Leveraging Retirement AccountsDiscover how you can use your 401(k) or IRA to fund your franchise in a tax-compliant way, turning your retirement savings into an investment in your future.Combining Capital SourcesPete shares examples of how entrepreneurs can mix and match funding options—such as cash, loans, and retirement funds—to open multiple franchise locations over time.Key Takeaways:Know Your OptionsFrom SBA loans to ROBS (Rollover for Business Startups), understanding the various funding methods available can help you craft the best approach for your business goals.Leverage Your AssetsUsing home equity or investment portfolios strategically can unlock the capital needed to kickstart or scale your franchise.Plan for GrowthCombining funding sources allows you to expand your business systematically, reducing risk while maximizing opportunities."Investing in a franchise isn't just about having the money—it's about knowing how to leverage the right resources to build your dream business." — Pete GilfillanCONNECT WITH PETE GILFILLAN:LinkedIn: https://www.linkedin.com/in/petegilfillan/Website: https://www.hireyourself.com/CONNECT WITH HIRE YOURSELF PODCAST:Website: https://www.hireyourself.com/podcastApple: https://podcasts.apple.com/us/podcast/the-hire-yourself-podcast/id1472038217Spotify: https://open.spotify.com/show/7eTKOLjuUWbf7BRtGtp6dP?si=eb2f7b38bd884804YouTube: http://www.youtube.com/@hireyourself7642Email: info@hireyourself.com

The Business of Meetings
255: 2025 Business Deals: What Buyers and Sellers Need to Know with Ami Kassar

The Business of Meetings

Play Episode Listen Later Jan 28, 2025 26:03


The Business of Meetings – Episode 255 - 2025 Business Deals: What Buyers and Sellers Need to Know with Ami Kassar We are delighted to welcome Ami Kassar, the founder and CEO of MultiFunding, as our guest today. Ami is a member of the EO and the president of the EO Philadelphia chapter, and he brings a wealth of expertise and experience.  With the shift in administration, most business owners are curious about the future of mergers and acquisitions for small businesses. Some owners are considering selling, while others are looking to buy. Ami is here to shed light on this important topic and share his insights. Join us for his expert perspective on what lies ahead for small businesses. Founding MultiFunding In 2010, after losing his corporate position as Chief Innovation Officer at the largest credit card issuer for small businesses, Ami started MultiFunding. During the Great Recession, he got laid off by the company he was working for after helping them terminate 960 employees. It was a sobering experience he vowed never to repeat. On his first day unemployed, Ami withdrew his home equity credit line and founded MultiFunding to help entrepreneurs access optimal debt solutions while maintaining control of their businesses. Core Values The core value at MultiFunding is to deal with entrepreneurs in the same way their team members would prefer themselves. That principle underpins every decision, from hiring to firing. The company fosters a transparent culture where employees either thrive within three months or move on. MultiFunding always upholds the standard of only offering advice that the team would follow themselves. The SBA Loan Advantage Today, 95% of their work at MultiFunding involves Small Business Administration (SBA) loans, which are often the best option for entrepreneurs seeking to grow responsibly. SBA loans allow lenders to offer riskier loans with government guarantees, typically up to 75% of the loan value in case of default. Ami clarifies that being declined by one lender does not mean disqualification from SBA programs, as many institutions with varying criteria participate in that market. Challenging Top-Line Growth Celebrations Ami challenges the focus on top-line growth, as celebrated by rankings like the Inc. 5000. He argues that many fast-growing businesses are unsustainable, leading to burnout or collapse. Instead, he proposes a Sleep 5000 award to reward entrepreneurs who achieve sustainable revenue targets while maintaining a healthy work-life balance. Selling and Buying Small Businesses Ami advises business owners to identify their target buyers clearly, whether they are private equity, strategic investors, or individuals, and set realistic expectations for valuation. He emphasizes the importance of knowing the minimum cash required to close a sale.  Economic Outlook for 2025 Predicting economic trends for 2025 is challenging, especially with uncertainties in interest rates, tariffs, and federal policies. Ami warns against relying on forecasts, given the unpredictable domino effects of COVID-era policies and upcoming political changes. He advises entrepreneurs to focus on financial discipline and adaptability rather than chasing speculative predictions. Bio: Ami Kassar, founder and CEO of MultiFunding and author of The Growth Dilemma, has earned a national reputation as a thought leader in business finance. An in-demand speaker and trusted advisor to growth-focused business leaders, he has helped thousands of business owners achieve ambitious growth goals through creative and personalized funding solutions. Connect with Eric Rozenberg On LinkedIn Facebook Instagram Website Connect with Ami Kassar On his website LinkedIn Daily Blog          

Buying Online Businesses Podcast
Acquiring & Exiting 8 Figure Digital Businesses & What It Takes with Mark Woodbury

Buying Online Businesses Podcast

Play Episode Listen Later Jan 15, 2025 33:52


The Buying Online Businesses podcast is here with another exciting episode! Hosted by Jaryd Krause, this episode explores what it really takes to buy or sell an eight-figure digital business. Joining the discussion is Mark Woodbury, Managing Director of Raincatcher Digital Division. Mark brings years of experience helping entrepreneurs evaluate and sell e-commerce stores, SaaS companies, media businesses, marketing agencies, and more. Mark’s journey includes co-founding and leading a boutique brokerage that focused on digital businesses. He’s also been a featured guest on podcasts and conferences, sharing advice on how to reduce risks, prepare businesses for sale, and achieve top-dollar exits. In this episode, Mark talks about: How to finance a seven- or eight-figure business purchase, from SBA loans to private equity. The types of buyers—like private equity firms and larger companies—who are acquiring these businesses. Steps business owners can take to make their digital businesses more valuable, whether in e-commerce, SaaS, or media. The importance of due diligence and why selling or buying a business often takes at least a year to do right. This episode is perfect for anyone growing their portfolio, thinking about selling, or curious about scaling to the next level. It’s packed with tips and real-world examples. Don’t miss it! Episode Highlights 03:00 How Mark started with the Raincatcher Digital Division? 09:30 How to prepare for a business exit? 17:00 A sneak peek to selling AI companies 28:00 Due diligence in mid-market businesses 33:30 Where to find Mark? Key Takeaways ➥ Small businesses face more challenges finding buyers due to limited scalability and localized markets. Larger deals with diversified revenue streams and strong financial performance attract multiple bids. ➥ Entrepreneurs in AI or software development should recognize the value of their innovations in the eyes of larger SaaS companies. ➥ Acquisitions of companies in the $4M–$50M range are common, and financing often involves private equity (PE) funds. Small Business Administration (SBA) loans can go up to $8M but are capped, requiring alternative or creative financing options. About The Guest Mark Woodbury serves as Managing Director of the Raincatcher Digital Division which is dedicated to assisting successful entrepreneurs through the nuanced process of evaluating and selling their eCommerce, SaaS, media website, marketing agency or other digital service business. Mark jumped on the opportunity to join the Raincatcher team and assist in building out the digital division after co-founding and acting as the CEO of a boutique brokerage firm that worked exclusively with digitally native companies. Mark has been a guest on a handful of podcasts and conferences to discuss everything from the nuances of selling an Amazon business to how business owners can mitigate risk with content websites and prepare them for an optimal exit. Connect with Mark Woodbury ➥ https://raincatcher.com/teammate/mark-woodbury-2/ ➥ https://www.linkedin.com/in/mark-woodbury/ Resource Links ➥ Sell your business to us here - https://buyingonlinebusinesses.com/sell-your-business/ ➥ Buying Online Businesses Website - https://buyingonlinebusinesses.com ➥ Download the Due Diligence Framework - https://buyingonlinebusinesses.com/freeresources/ ➥ GoDaddy (Website Hosting & Buying Domains) - https://bit.ly/3YiRkWV ➥ Mangools (SEO tool) - https://bit.ly/3wV4hLc ➥ Ezoic (Ad Network) - https://bit.ly/3NuVR5P

Principled Minds
EP 23: Establishing a vision for your team or organization_Erica Gaddy

Principled Minds

Play Episode Listen Later Jan 1, 2025 55:27


This episode recorded in 2024 was with an esteemed guest, Erica Gaddy, MBA, Deputy Chief Financial Officer (DCFO) and Chief Risk Officer (CRO), U.S. Bureau of Fiscal Service and Former DCFO of U.S. Small Business Administration (SBA). On this first episode of the Leading Effective Team (LET) series, Erica shared her deeply insightful perspective on building and aligning a team to a vision as a leader. This series is designed to share the experiences of current leaders to assist new and aspiring leaders learn the core principles of leading teams successfully. Our host (Charles Moka Jr. ) and guest discussed the following: 08:48 - How to remain aware of the impact the people around you have within your team. 11:15 - How to develop a vision for your team or organization. 14:56 - How to manage challenges getting people aligned to an already established vision. 17:35 - Steps to creating a vision/mission for a project. 27:20 - How to communicate difficult messages to people and keep a team inspired to move project forward during challenging times. 33:35 - How to manage team members who refuse to accept a leader's decision on a team's direction or vision. 39:57 - How to emotionally and logically manage resistance from your team as a leader 47:44 - Erica's intriguing childhood experiences that has contributed to her mindset and career success as a leader. And so much more! Consider these actions: Follow our guest on LinkedIn (https://www.linkedin.com/in/erica-g-36305b8/) Share with us what you think about the episode on the comments section. Subscribe to be notified on the next episode. *Email ⁠principledmind@gmail.com⁠  for any inquiries or would like join as a guest/speaker or podcast sponsor*

Govcon Giants Podcast
How $116 Million in Small Biz Contracts Just Became Available (Act Fast!)

Govcon Giants Podcast

Play Episode Listen Later Dec 20, 2024 8:16


The Department of Veterans Affairs has stopped accepting applications for the certification or re-verification of veteran-owned small businesses, effective October 24, 2022. Starting on January 1, 2023, the Small Business Administration (SBA) will take over all verification processes. Firms that are already verified do not need to take any action except for Service-Disabled Veteran-Owned Small Businesses (SDVOSBs) and VOSBs, whose verification expires before the transfer date. They must have applied for re-verification later than October 24, 2022. Self-certified firms must apply through the SBA to maintain their status as veteran-owned small businesses or service-disabled veteran-owned small businesses. Tracking solicitations on SAM shows that most pre-solicitations that meet a socioeconomic designation are falling under the category of veteran-owned small businesses. Tune in to this episode to learn more!

The Innovation Economy
#41: The Art of Business with Cade Martin

The Innovation Economy

Play Episode Listen Later Dec 10, 2024 31:05


A quick online search of Cade Martin Photography will get you to a showcase of exceptional commercial work, video reels, sought after portraits and much more. But if you're trying to find out his secrets to business success – or even what he looks like! – you'll have to keep looking. I'm Susan Soroko, Director of Creative Economy at Arlington Economic Development in Arlington Virginia. The role of Economic Development is to retain and attract businesses where workers can live and thrive in a great community even when the work world is changing. We support (small) business through programs like BizLaunch and value the importance of placemaking and a sector devoted to creative economy and the arts. Today we're going to talk about art and business and the huge shifts in professional photography. Cade Martin's work is rooted in collaboration, flexibility, and sparks of creativity. Every image tells a story, whether in the spotlight of campaigns or in the moments in between. Cade lives in the Washington, DC area. He has worked with brands from Starbucks to Target, FDA to NPR, National Geographic to Sesame Street, bringing campaigns to life on budgets large or small. Resources View Cade Martin's work: https://www.cademartinphoto.com https://www.cademartin.com Arlington Economic Development BizLaunch Division: https://www.arlingtoneconomicdevelopment.com/Small-Business General information about the Small Business Administration (SBA): https://www.sba.gov/ SBA resources locally: https://www.sba.gov/local-assistance SCORE Counseling and other resources: https://www.arlingtoneconomicdevelopment.com/Small-Business/Small-Business-Programs/One-on-One-Counseling Small Business Saturday, November 30, 2024 The Innovation Economy Website: https://www.innovationeconomy.show Sign up for The Agile Brand newsletter here: https://agilebrandguide.com/ Get the latest news and updates on LinkedIn here: https://www.linkedin.com/showcase/innovationeconomy/ Listen to our other podcast, The Agile Brand with Greg Kihlström: https://www.theagilebrand.show The Innovation Economy podcast is brought to you by Arlington Economic Development: https://www.arlingtoneconomicdevelopment.com The Innovation Economy is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company

The Innovation Economy
#41: The Art of Business with Cade Martin

The Innovation Economy

Play Episode Listen Later Dec 10, 2024 27:36


A quick online search of Cade Martin Photography will get you to a showcase of exceptional commercial work, video reels, sought after portraits and much more. But if you're trying to find out his secrets to business success – or even what he looks like! – you'll have to keep looking. I'm Susan Soroko, Director of Creative Economy at Arlington Economic Development in Arlington Virginia. The role of Economic Development is to retain and attract businesses where workers can live and thrive in a great community even when the work world is changing. We support (small) business through programs like BizLaunch and value the importance of placemaking and a sector devoted to creative economy and the arts. Today we're going to talk about art and business and the huge shifts in professional photography. Cade Martin's work is rooted in collaboration, flexibility, and sparks of creativity. Every image tells a story, whether in the spotlight of campaigns or in the moments in between. Cade lives in the Washington, DC area. He has worked with brands from Starbucks to Target, FDA to NPR, National Geographic to Sesame Street, bringing campaigns to life on budgets large or small. Resources View Cade Martin's work: https://www.cademartinphoto.com https://www.cademartin.com Arlington Economic Development BizLaunch Division: https://www.arlingtoneconomicdevelopment.com/Small-Business General information about the Small Business Administration (SBA): https://www.sba.gov/ SBA resources locally: https://www.sba.gov/local-assistance SCORE Counseling and other resources: https://www.arlingtoneconomicdevelopment.com/Small-Business/Small-Business-Programs/One-on-One-Counseling Small Business Saturday, November 30, 2024 The Innovation Economy Website: https://www.innovationeconomy.show Sign up for The Agile Brand newsletter here: https://agilebrandguide.com/ Get the latest news and updates on LinkedIn here: https://www.linkedin.com/showcase/innovationeconomy/ Listen to our other podcast, The Agile Brand with Greg Kihlström: https://www.theagilebrand.show The Innovation Economy podcast is brought to you by Arlington Economic Development: https://www.arlingtoneconomicdevelopment.com The Innovation Economy is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company

The Georgia Politics Podcast
Youth is wasted on the young

The Georgia Politics Podcast

Play Episode Listen Later Dec 6, 2024 47:43


Welcome to The Georgia Politics Podcast! On today's show, Chris Carr announces first for governor, Kelly Loeffler gets a nomination, and Mack Jackson's challenger not going away yet. First up, Georgia Attorney General Chris Carr has announced his candidacy for the 2026 gubernatorial race, aiming to succeed term-limited Governor Brian Kemp. Carr, a Republican, emphasized job creation, public safety, and defending constitutional freedoms as central themes of his campaign. President-elect Donald Trump has nominated former Georgia Senator Kelly Loeffler to lead the Small Business Administration (SBA) in his upcoming administration. Loeffler, known for her business acumen and close ties to Trump, previously served in the Senate and was a significant donor to Trump's 2024 campaign. Republican Tracy Wheeler is challenging her 48-vote loss to Democrat Mack Jackson in Georgia's House District 128, citing alleged voting irregularities. Her lawsuit claims ineligible voters participated, eligible voters were excluded, and ballots were wrongly rejected. If proven, a new election could be ordered. The Georgia GOP supports the challenge, citing redistricting errors. Jackson won by 0.2%, with results certified last week. Georgia lawmakers may revisit revising the 1985 Quality Basic Education Act, spurred by a new audit revealing inefficiencies in school funding. The report highlights a 30% rise in administrative expenses from 2019-2023, outpacing inflation, and inconsistent links between spending and student outcomes. Previous reform attempts stalled, but this data could reignite debate on addressing districts' diverse needs. Underhyped/Overhyped, Play-Along-at-Home and much more on today's jam packed episode! Connect with The Georgia Politics Podcast on Twitter @gapoliticspod Preston Thompson on Twitter @pston3 Hans Appen on Twitter @hansappen Craig Kidd on Twitter @CraigKidd1 Proud member of the Appen Podcast Network.

The Innovation Economy
#40: The impact of small businesses on the economy and surrounding communities with Larry G. Webb, Small Business Administration

The Innovation Economy

Play Episode Listen Later Nov 12, 2024 24:47


99.9% of businesses in the US are considered small businesses, employing over 61 million Americans, or nearly half of private sector employees. This makes small businesses a critical part of the business world and the communities they serve. I'm Susan Soroko, Director of Creative Economy at Arlington Economic Development in Arlington Virginia. The role of Economic Development is to retain and attract businesses where workers can live and thrive in a great community even when the work world is changing. We support (small) business through programs like BizLaunch and value the importance of placemaking and a sector devoted to creative economy and the arts. Today we're going to talk about small business/big economic impact. To help me discuss the role of small businesses, I'd like to welcome Larry G. Webb, District Director, Small Business Administration (SBA) Resources Arlington Economic Development BizLaunch Division: https://www.arlingtoneconomicdevelopment.com/Small-Business General information about the Small Business Administration (SBA): https://www.sba.gov/ SBA resources locally: https://www.sba.gov/local-assistance SCORE Counseling and other resources: https://www.arlingtoneconomicdevelopment.com/Small-Business/Small-Business-Programs/One-on-One-Counseling Small Business Saturday, November 30, 2024 The Innovation Economy Website: https://www.innovationeconomy.show Sign up for The Agile Brand newsletter here: https://agilebrandguide.com/ Get the latest news and updates on LinkedIn here: https://www.linkedin.com/showcase/innovationeconomy/ Listen to our other podcast, The Agile Brand with Greg Kihlström: https://www.theagilebrand.show The Innovation Economy podcast is brought to you by Arlington Economic Development: https://www.arlingtoneconomicdevelopment.com The Innovation Economy is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company

The Innovation Economy
#40: he impact of small businesses on the economy and surrounding communities with Larry G. Webb, Small Business Administration

The Innovation Economy

Play Episode Listen Later Nov 12, 2024 28:16


99.9% of businesses in the US are considered small businesses, employing over 61 million Americans, or nearly half of private sector employees. This makes small businesses a critical part of the business world and the communities they serve. I'm Susan Soroko, Director of Creative Economy at Arlington Economic Development in Arlington Virginia. The role of Economic Development is to retain and attract businesses where workers can live and thrive in a great community even when the work world is changing. We support (small) business through programs like BizLaunch and value the importance of placemaking and a sector devoted to creative economy and the arts. Today we're going to talk about small business/big economic impact. To help me discuss the role of small businesses, I'd like to welcome Larry G. Webb, District Director, Small Business Administration (SBA) Resources Arlington Economic Development BizLaunch Division: https://www.arlingtoneconomicdevelopment.com/Small-Business General information about the Small Business Administration (SBA): https://www.sba.gov/ SBA resources locally: https://www.sba.gov/local-assistance SCORE Counseling and other resources: https://www.arlingtoneconomicdevelopment.com/Small-Business/Small-Business-Programs/One-on-One-Counseling Small Business Saturday, November 30, 2024 The Innovation Economy Website: https://www.innovationeconomy.show Sign up for The Agile Brand newsletter here: https://agilebrandguide.com/ Get the latest news and updates on LinkedIn here: https://www.linkedin.com/showcase/innovationeconomy/ Listen to our other podcast, The Agile Brand with Greg Kihlström: https://www.theagilebrand.show The Innovation Economy podcast is brought to you by Arlington Economic Development: https://www.arlingtoneconomicdevelopment.com The Innovation Economy is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company

Federal Drive with Tom Temin
SBA initiates ‘seismic shift' in small business contracting

Federal Drive with Tom Temin

Play Episode Listen Later Nov 7, 2024 8:44


The Small Business Administration (SBA) is proposing what some experts say would be a seismic change in federal contracting. In a new proposed rule, SBA wants agencies to apply the so called Rule of Two to most task order contracts, and not just open market competitions. Federal News Network's executive editor Jason Miller joins me with how this proposal is sparking a lot of debate in industry.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Federal Drive with Tom Temin
SBA initiates ‘seismic shift' in small business contracting

Federal Drive with Tom Temin

Play Episode Listen Later Nov 7, 2024 7:59


The Small Business Administration (SBA) is proposing what some experts say would be a seismic change in federal contracting. In a new proposed rule, SBA wants agencies to apply the so called Rule of Two to most task order contracts, and not just open market competitions. Federal News Network's executive editor Jason Miller joins me with how this proposal is sparking a lot of debate in industry.  Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Wizards Of Ecom (En Español)
#290 - Financiamiento inteligente para emprendedores digitales, con Leonel García

Wizards Of Ecom (En Español)

Play Episode Listen Later Nov 5, 2024 22:39


En este episodio, nos adentramos en el tema del financiamiento inteligente para emprendedores digitales, descubriendo las claves para acceder a capital y escalar proyectos de manera estratégica. Nuestro invitado, Leonel García, presidente de LG Business Capital LLC, cuenta con más de 15 años de experiencia en gestión empresarial y ha ayudado a innumerables emprendedores a obtener los recursos necesarios para hacer crecer sus negocios. Con su conocimiento profundo sobre créditos, préstamos comerciales y gestión financiera, Leonel nos ofrece herramientas prácticas y consejos esenciales para que cualquier emprendedor pueda acceder al financiamiento adecuado y potenciar su desarrollo. Para Leonel, el primer paso para cualquier persona que está comenzando en el mundo digital es construir una base sólida en su crédito personal, resaltando que tener un historial crediticio positivo abre puertas en las instituciones financieras. Nos recomienda que, al abrir una cuenta bancaria en Estados Unidos, los emprendedores hablen personalmente con un business management: “Cuando aplicas para una tarjeta de crédito por internet, la credibilidad es muy baja, y por lo general se niegan esas tarjetas a los usuarios por no haber ese contacto humano”, destaca. La interacción directa con el banco, además, puede facilitar el acceso a líneas de crédito de 20.000 a 40.000 dólares, muchas veces con intereses al 0% por hasta 18 meses, ideal para quienes buscan construir su negocio de e-Commerce sin incurrir en intereses elevados de inmediato. Leonel también subraya las ventajas que hoy ofrece Small Business Administration (SBA), que brinda programas de financiamiento a largo plazo, ideales para emprendedores en crecimiento. “El SBA tiene un programa excelente. Ellos te pueden prestar 50.000 dólares a 10 años y la devolución son con pagos súper bajos”, comenta, detallando que uno de los requisitos es contar con depósitos recientes en la cuenta bancaria que demuestren flujo de ingresos. Para quienes ya han acumulado experiencia en el negocio, SBA puede ofrecer préstamos de hasta 500.000 dólares o más, siempre que el negocio esté consolidado y tenga buenos registros financieros. “Cuando le dices a SBA que quieres consolidar tu negocio, a ellos les encanta y tienes más probabilidad de que te aprueben para que tengas un buen cashflow”, agrega. Para lograr obtener el financiamiento de SBA o cualquier otro banco o financiera, Leonel sugiere llevar una contabilidad clara, por ejemplo, con herramientas como QuickBooks, ya que esto puede facilitar el acceso a financiamiento a través de servicios como Fundbox, que permiten obtener créditos anticipados. “Si gastaste 50.000 dólares en inventario y tienes que esperar dos semanas para que te paguen, es preferible que tengas el capital para reinvertir y al mes duplicar lo que puedes ganar”, señala, remarcando que este tipo de financiamiento asegura un flujo de capital constante sin tener que esperar a los pagos de Amazon, una estrategia que puede ser clave para los emprendedores en crecimiento. Sin embargo, no todas las opciones de financiamiento están disponibles para todos. Leonel enfatiza que el SBA y otras instituciones tienen requisitos específicos, como ser ciudadano o residente permanente de los Estados Unidos, o contar con un porcentaje de socios que cumplan con este criterio si se trata de una empresa con varios dueños. “Es importante que el 51% sean residentes o ciudadanos para que les aprueben el préstamo”, afirma nuestro invitado. Además, recalca que contar con una contabilidad organizada y una estructura financiera clara puede hacer la diferencia al momento de calificar para un préstamo, evitando pagar más de lo necesario por una falta de planificación fiscal adecuada. En conclusión, Leonel nos deja una lección valiosa sobre la importancia de ser estratégico con el financiamiento. Ya sea que estés comenzando tu negocio digital o quieras escalarlo, contar con una estructura sólida en tus finanzas y entender cómo funcionan los diferentes programas de financiamiento te permitirá acceder al capital necesario sin asumir riesgos innecesarios. Con sus consejos, queda claro que obtener capital puede ser el impulso que necesitas, siempre y cuando lo gestiones con inteligencia y visión. Página web: tuayudacomercial.com Youtube: @Tuayudacomercial1 Contacto: +1 407 602 7055

Make It Plain with Mark Thompson
Is The Biden Harris Delivering for African Americans?

Make It Plain with Mark Thompson

Play Episode Listen Later Nov 1, 2024 37:09


Deputy Treasury Secretary Wally Adeyemo, and Robert James, II, President of Carver Financial Corporation join.JobsThe Black unemployment rate was 5.7% in September, near historic lows. The Black unemployment rate was 9.3% when President Biden took office.2023 was the lowest year for Black unemployment on record.16 million jobs have been created since President Biden took office, including nearly 2.4 million jobs for Black workers—achieving one of the lowest gaps between Black and White unemployment on record.Prime-age Black women have seen their labor force participation rates climb by about 3% compared to pre-pandemic levels.Wages/WealthReal wages for Black Americans grew over 5% between 2019 and the four-quarters ending in Q3 2024.Black net worth is up 60% between 2019 and 2022 and the Black-white wealth gap is at its narrowest level in nearly 20 years.HousingBlack homeownership rates increased by 3.5 percentage points from 2019 through the four-quarters ending in Q2 2024. In the years of the Financial Crisis, Black homeownership had dropped 1.75 percentage points.As of Q2 2024, 37% of Homeowner Assistance Fund (HAF) homeowners self-identified as Black.In 2021, eviction filing rates in Black neighborhoods were less than half their historic average.41% of ERA payments have gone to Black families as of Q1 2024.Child PovertyOver 800,000 Black children were lifted out of poverty in 2021 through the expansion of the Child Tax Credit under the American Rescue Plan, helping drive the child poverty rate for Black children to its lowest level on record.Small BusinessThe number of Black households owning a business has more than doubled since 2019.Black business ownership is up 6.2 percentage points from 2019 to 2022 to 11%, the highest rate in history.In 2021, Black-owned companies employed 1.4 million people and paid over $50 billion in annual payroll.·       The number of Black workers that were self-employed—a measure of entrepreneurship—increased by over 30% from 2019 through 2024. ·       The number and dollar value of SBA-backed loans to Black-owned businesses have more than doubled since 2020. The Small Business Administration (SBA) has now surpassed the $1 billion mark in lending to Black-owned small businesses for the third year, almost double 2019 lending amounts.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Business Elevated
193. Adam Torkildson — Mentoring Utah's Entrepreneurs Through SCORE

Business Elevated

Play Episode Listen Later Oct 31, 2024 36:24


Season 6 Episode 36: In this episode, Pete Codella, managing director of business services at the Governor's Office of Economic Opportunity, talks with Adam Torkildson, entrepreneur and SCORE Mentors volunteer.  Torkildson shares his life and career journey in Utah, emphasizing his roots in agriculture, entrepreneurial spirit, and commitment to mentoring. He reflects on his early years working on farms, his Scandinavian heritage, and the discipline he developed through a rural upbringing and homeschool experience. He volunteers with SCORE Mentors, a nationwide nonprofit that provides free mentoring for small businesses in partnership with the U.S. Small Business Administration (SBA), offering his SEO and startup management expertise to Utah's entrepreneurs.  Torkildson highlights SCORE's mission to support entrepreneurs through resources and guidance. The discussion delves into SCORE's blend of virtual and in-person coaching, with a recent push to increase physical events in Utah, including partnerships with organizations like the SBA to reach a broader audience. They discuss SCORE's popular "Startup Roadmap," a 12-step guide simplifying the business launch process. Torkildson emphasizes the importance of accurate online content, especially with the rise of AI, and how SCORE's mentoring services empower business owners to manage their own SEO and digital presence.

Govcon Giants Podcast
236: One Legal Misstep Could Cost You Everything – Shane McCall's Expert Tips on Staying Compliant in GovCon

Govcon Giants Podcast

Play Episode Listen Later Oct 16, 2024 60:47


Today we have an exceptional guest joining us, Shane McCall. Shane is an equity partner at Koprince McCall Pottroff LLC and the mastermind behind the renowned blog smallgovcon.com. With extensive experience in federal contracting, Shane's expertise is invaluable for businesses looking to navigate the complexities of government procurement. In this episode, Shane delves into the strategic and legal intricacies that can make or break a small business in the federal contracting arena. His firm has been instrumental in guiding countless businesses through the labyrinth of federal regulations, ensuring they avoid costly pitfalls and secure lucrative contracts. But that's not all. Shane's impact extends beyond his legal prowess. He's an advocate for small businesses, providing them with the tools and knowledge they need to compete on a level playing field. His insights offer a blend of legal acumen and practical advice, making this episode a must-listen for anyone involved in government contracting. Throughout this episode, Shane opens up about key strategies that can help small businesses succeed. From the importance of understanding the Small Business Administration (SBA) rules to forming effective joint ventures and teaming agreements, Shane's advice is both practical and actionable. One of the key takeaways from this conversation is Shane's deep dive into the SBA rule governing the relationship between a new small business and its former company. He offers a clear and concise breakdown of this often-misunderstood regulation, providing listeners with a clearer understanding of how to stay compliant. Stay tuned for an episode packed with golden insights and actionable takeaways that will help you steer clear of legal pitfalls and thrive in the competitive world of federal contracting. Contact: smccall@koprince.com  Twitter: https://x.com/SmallGovCon  LinkedIn: linkedin.com/company/Koprince-Law-LLC  Website: https://www.koprince.com/  Blog Site: https://smallgovcon.com/  Facebook: http://www.facebook.com/KoprinceLaw  General Email: info@koprince.com  Phone: 785-200-8919

Team Lally Hawaii Real Estate Podcast
How to Grow Your Business and Succeed with Alan Pollock

Team Lally Hawaii Real Estate Podcast

Play Episode Listen Later Oct 16, 2024


This week on the Team Lally Real Estate Radio Show, we interview Alan Pollock of SCORE. We talk about how SCORE functions as a group and what its role is in the business industry.We also have your favorite experts providing this week's tips on property management, mortgage loans, home inspection and home insurance!Who is Alan Pollock ?Alan came to Hawaii right after college, as an advertising manager for Hawaiian Tropic Suntan company. Two years later, he started an advertising agency which became one of the largest at that time, but sold it in 1998 with big box stores coming to Hawaii. He was a VP of marketing for 10 years for Time Warner Cable (which is now Spectrum), and is currently doing volunteer work for SCORE.SCORE is a 501(c)(3) nonprofit organization and a resource partner of the U.S. Small Business Administration (SBA). Its mission is to foster vibrant small business communities through mentoring and education. Since 1964, SCORE has helped more than 11 million entrepreneurs start, grow or successfully exit a business. Their volunteers are experienced entrepreneurs, corporate managers, and executives who provide free, expert mentoring, resources and education in all 50 U.S. states and territories.To reach Alan Pollock, just visit:Website: score.org/hawaiiFacebook page: www.facebook.com/SCOREMentorsHawaii

Real Estate Careers and Training Podcast with the Lally Team
How to Grow Your Business and Succeed with Alan Pollock

Real Estate Careers and Training Podcast with the Lally Team

Play Episode Listen Later Oct 16, 2024


This week on the Team Lally Real Estate Radio Show, we interview Alan Pollock of SCORE. We talk about how SCORE functions as a group and what its role is in the business industry.We also have your favorite experts providing this week's tips on property management, mortgage loans, home inspection and home insurance!Who is Alan Pollock ?Alan came to Hawaii right after college, as an advertising manager for Hawaiian Tropic Suntan company. Two years later, he started an advertising agency which became one of the largest at that time, but sold it in 1998 with big box stores coming to Hawaii. He was a VP of marketing for 10 years for Time Warner Cable (which is now Spectrum), and is currently doing volunteer work for SCORE.SCORE is a 501(c)(3) nonprofit organization and a resource partner of the U.S. Small Business Administration (SBA). Its mission is to foster vibrant small business communities through mentoring and education. Since 1964, SCORE has helped more than 11 million entrepreneurs start, grow or successfully exit a business. Their volunteers are experienced entrepreneurs, corporate managers, and executives who provide free, expert mentoring, resources and education in all 50 U.S. states and territories.To reach Alan Pollock, just visit:Website: score.org/hawaiiFacebook page: www.facebook.com/SCOREMentorsHawaii

Beyond the Wrench
Future of Independent Collision Shops

Beyond the Wrench

Play Episode Listen Later Oct 9, 2024 55:39


Cole Strandberg, Managing Director at Focus Investment Banking and Host of the Collision Vision Podcast, discusses three future growth options for single-location shops. He highlights helpful Small Business Administration (SBA) resources and examines opportunities arising from retiring boomer shop owners.View the video podcast on YouTubeAbout Our Guest:Cole StrandbergManaging Director, Focus Investment BankingHost, Collision Vision Podcastcole.strandberg@focusbankers.comAbout Our Host:Jay GoninenCo-Founder & President, WrenchWayjayg@wrenchway.com | 608.716.2122WrenchWay Resources:Salary Comparison Tool - See pay information for automotive, diesel, and collision technicians near you at wrenchway.com/pay.Technicians & Students - Looking for the best shops or dealerships to work at? Check out wrenchway.com/shops.Shops & Dealerships - Want to find quality technicians, connect with schools, and support the auto and diesel industry? Learn about WrenchWay Top Shop Memberships.Auto, Diesel, or Tech Ed Instructors - Need help getting resources for your program and connecting with industry? We have free solutions for you on WrenchWay.Connect with us on social: Facebook Instagram Twitter LinkedIn YouTube TikTok

ClimateBreak
Including Marginalized Communities in Policy Decisions

ClimateBreak

Play Episode Listen Later Sep 17, 2024 1:45


Climate change and household financial well-being The increase in climate-related disasters, such as floods, wildfires, and heat waves, has created serious financial burdens on households across the country. Since 1980, the world has seen a fivefold increase in the number of billion-dollar natural disasters. 2018 to 2022 alone saw an estimated $617 billion in damages from climate and weather related events. Beyond the public health and safety concerns, these disasters have hit Americans in the pocketbook. An estimated 13% have reported facing severe economic hardship following such disasters, with this number projected to rise as climate extremes become more frequent. For particularly vulnerable households, high financial costs from disasters can further exacerbate existing inequities. In order to adapt to a changing world of more frequent climate catastrophes, policy makers will need to develop solutions to assist populations in disaster recovery. Solutions to climate-related financial disasterThe impacts of climate-related disasters are numerous. In addition to harming businesses and infrastructure, extreme weather events can lead to worker displacement, job loss, and migration. Catastrophic climate events, known as climate hazards, create financial strain on households from damage done to one's property. Many households may not have the immediate resources or savings needed to repair the damage, leading to long-term displacement and financial instability. Healthcare costs, transportation expenditures, and inability to access proper insurance coverage are other burdens many individuals face following a natural disaster.Low-income communities will face the brunt of climate change impacts. By understanding the historical inequities that have pushed marginalized communities into regions particularly vulnerable to climate change, policy makers can create more equitable outcomes. Many officials are now encouraging increased access to education, “democratized” climate decision making, and new ways to engage and empower people to take a stance in decisions about the climate. The US Department of the Treasury further suggests that households consider utilizing government incentives to adopt climate-resilient property modifications, such as tax credits and rebates for energy-efficient home improvements. Policymakers further plan to support financial well-being by assisting households in financial resiliency efforts with programs through the Federal Emergency Management Agency (FEMA) and U.S. Small Business Administration (SBA).Advantages of improving financial stability following a climate disasterInitiatives designed to address vulnerable communities affected by climate disasters can assist in adaptation towards climate extremes. Having access to resources, whether political or social, is key to providing impacted communities with the support they need to adapt to a changing environment. With increased educational awareness and government assistance, households facing financial distress and instability following a climate-related event will have the support they need to recover.Setbacks to achieving financial stability In order for these goals to be realized, policy makers will need to overcome significant challenges. For example, many households across the country face underinsurance, as climate extremes become more common and push insurers to raise rates or pull out of the insurance market altogether. As a result, vulnerable regions may be left without the proper resources to recover. A recent report found that policies for 39 million properties (about a quarter of all homes in the US) are under-priced for the climate risk needed to insure those properties. Without insurance coverage, homeowners are unable to fix damaged property.Furthermore, the most severe effects of climate change disproportionately affect socially vulnerable populations. Less than 60% of single-family homeowners living in areas where mandatory flood insurance is required actually have the necessary insurance. As such, policy makers need to pay more attention to those communities most vulnerable to climate change in order to ensure they have access to the insurance needed to recover from a disaster and achieve financial stability following a climate-related event.Dr. Andrew Rumbach, Senior Fellow in the Metropolitan Housing and Communities Policy Center at the Urban Institute, studies household and community risk to natural hazards and climate change. Dr. Rumbach is involved in the policy implementation and research of numerous federal and state-declared disaster events and is on the forefront of addressing disaster vulnerability and environmental risk.ResourcesNBC: Climate change could impose ‘substantial financial costs' on U.S. household finances, Treasury warnsWorld Bank: Social Dimensions of Climate ChangeUS Treasury: The Impact of Climate Change on American Household FinancesUS Treasury: Fact Sheet: The Impact of Climate Change on American Household FinancesFurther ReadingBBC: Climate change is fuelling the US insurance problemFor a transcript of this episode, please visit https://climatebreak.org/including-marginalized-communities-in-policy-decisions/.

Small Biz FL
Ep. 271 | Deep Dive into Leveraging the SBA the Right Way: Tools & Programs Every Small Business Should Know

Small Biz FL

Play Episode Listen Later Aug 28, 2024 24:51


In this episode of Small Biz Florida, host Tom Kindred sits down with Jonel Hein, District Director for North Florida SBA, and Deputy District Director Jeffery "Jeff" Salzer to uncover the vital resources the Small Business Administration (SBA) offers to entrepreneurs. From navigating government contracting to accessing capital, they delve into how small businesses can leverage SBA networks and partnerships for success. Listen in as they discuss avoiding common pitfalls in loan applications, understanding different types of SBA loans, and the importance of online training tools. Whether you're just starting or looking to expand, this episode provides essential insights to help you thrive in the competitive business landscape.   This podcast is made possible by the Florida SBDC Network and sponsored by Florida First Capital. This episode was recorded at the National Entrepreneur Center in Orlando, Florida    Episode Links:  Connect with the North Florida SBA District Office Connect with the National Entrepreneur Center in Orlando, FL  Connect with the Florida SBDC Network Connect with Florida First Capital

Boardroom Governance with Evan Epstein
Javier Saade: From Capital Formation to Governance, plus his Top of the Game

Boardroom Governance with Evan Epstein

Play Episode Listen Later Aug 26, 2024 60:17


(0:00) Intro.(1:15) About the podcast sponsor: The American College of Governance Counsel.(2:02) Start of interview. (2:49) Javier's origin story.(4:31) The blurring lines between VC and PE. Cross-over investors, growth equity investors, and other "alternative" financing.(9:01) On the capital formation cycle. Impact of interest-rates in capital allocation. The VC power law. New VC vehicles.(16:00) On the rise of cross-over investors ("starting somewhere between 2013 and 2016: rise of strategic capital")(19:34) On the rise of AI (boom and bubble): 1) algorithmic capability, 2) computing power, and 3) availability of data.(23:06) The cases of Nvidia and Google. The analogy to the 1990s (investing in infrastructure) and increasing antitrust scrutiny.(28:43) Explaining role and function of the Small Business Administration (SBA). SBIC, and SBIR & STTR. Industrial Policy and impact of geopolitics (ie. China).(40:47) On his board journey and role of corporate directors.(43:36) On "shareholder push and pull": role of institutional investors and "passive" investors. *Reference to E118 with Professor John Coates on The Problem of Twelve.(50:18) His take on boardroom diversity. *Reference to the Latino Corporate Director Association (LCDA).(55:06) On his podcast Top of the Game.(56:30) Books that have greatly influenced his life: The Road Less Traveled, by M. Scott Peck (1978)Guns, Germs, and Steel by Jared Diamond (1997)The Wealth of Nations, by Adam Smith (1776)The Founding Fathers, by K.M. Kostyal (2012)(56:49) His mentors. (57:42) Quotes that he thinks of often or lives her life by: "Deal with it"(57:53) An unusual habit or absurd thing that he loves.(58:11) The living person he most admires.Javier Saade is Managing Partner of Impact Master Holdings, Venture Partner at Fenway Summer, Operating Partner at Presidio Investors, Chairman of the Board at GP Funding, Inc., Board Member of VCheck and Global Tech Acquisition Corp. (NASDAQ: GTAC), CNBC Contributor, Executive Fellow at Harvard Business School, and host of the podcast Top of the Game. You can follow Evan on social media at:Twitter: @evanepsteinLinkedIn: https://www.linkedin.com/in/epsteinevan/ Substack: https://evanepstein.substack.com/__You can join as a Patron of the Boardroom Governance Podcast at:Patreon: patreon.com/BoardroomGovernancePod__Music/Soundtrack (found via Free Music Archive): Seeing The Future by Dexter Britain is licensed under a Attribution-Noncommercial-Share Alike 3.0 United States License

The Ignorance Project
Empowering Entrepreneurs

The Ignorance Project

Play Episode Listen Later Aug 23, 2024 25:06


In this interview, we sit down with Diedra Henry-Spires, the Senior Advisor to Administrator Guzman at the Small Business Administration (SBA). Diedra provides valuable insights into her role within the SBA and the various ways the administration supports small businesses across the country. We dive into the different types of government funding available through the SBA, including loans and grants, and what small business owners should know before applying. Diedra also shares advice on improving the chances of securing funding, highlights key programs for startups and minority-owned businesses, and discusses the future direction of the SBA in supporting small businesses. Whether you're a small business owner or interested in government support for entrepreneurs, this interview is packed with useful information.

MinistryWatch Podcast
Ep. 384: Dave Ramsey, Andrew Wommack, Gordon College

MinistryWatch Podcast

Play Episode Listen Later Aug 16, 2024 26:26


On today's program, new life breathed into a lawsuit against Dave Ramsey's company. A former employee claims he was fired for not sharing Ramsey's religious beliefs on how to handle the COVID-19 pandemic. We'll take a look at the court's latest ruling in the case. And, a Southern Baptist pastor in Florida faces a minimum sentence of life in prison without parole over harrowing child abuse allegations—but new state laws also mean the death penalty is on the table. Also, Andrew Wommack announces plans to pass the baton to new leadership at Charis Bible College in Colorado. But first, Gordon College was denied forgiveness on $7 million in COVID-era Paycheck Protection Program loans. It submitted an appeal, but in July a judge dismissed most of the college's claims. The producer for today's program is Jeff McIntosh.  We get database and other technical support from Stephen DuBarry, Rod Pitzer, and Casey Sudduth. Writers who contributed to today's program include Kim Roberts, Bob Smietana, Yonat Shimron, Kathryn Post, Tony Mator, Jessica Eturralde, Shannon Cuthrell, and Brittany Smith. Until next time, may God bless you.   FIRST SEGMENT Warren: Hello everybody. I'm Warren Smith, coming to you from Charlotte, North Carolina. Natasha: And I'm Natasha Cowden, coming to you from Denver, Colorado. And we'd like to welcome you to the MinistryWatch podcast. Warren: On today's program, new life breathed into a lawsuit against Dave Ramsey's company. A former employee claims he was fired for not sharing Ramsey's religious beliefs on how to handle the COVID-19 pandemic. We'll take a look at the court's latest ruling in the case. And, a Southern Baptist pastor in Florida faces a minimum sentence of life in prison without parole over harrowing child abuse allegations—but new state laws also mean the death penalty is on the table. Also, Andrew Wommack announces plans to pass the baton to new leadership at Charis Bible College in Colorado. Natasha: But first, Gordon College was denied forgiveness on $7 million in COVID-era Paycheck Protection Program loans. It submitted an appeal, but in July a judge dismissed most of the college's claims. Warren: Like many colleges and organizations in 2020, Gordon College received COVID relief funds as part of the Paycheck Protection Program (PPP). But when the Massachusetts-based college applied for forgiveness, the Small Business Administration (SBA) denied its request on the $7 million loan. Gordon then sued the SBA for violating its free exercise of religion, equal protection, and due process rights, along with violations of the Administrative Procedure Act. U.S. District Judge Beryl Howell in the District of Columbia dismissed most of the claims brought by Gordon College in a memorandum opinion issued in late July. In her opinion, Howell said the SBA had sought follow-up documentation from Gordon College because the “employee count” was “indicative of concern.” Natasha: How so? Warren: In April 2020, Gordon submitted its PPP application with 495.67 employees listed. It reached this number using the full-time equivalent method, which counts part-time employees as a fraction of an employee. A spokesperson for the college told MinistryWatch. “Gordon College followed the procedures given at the time of the loan application and most importantly, used these funds completely in the manner in which they were presented by the SBA: to avoid layoffs of employees and continue to provide them with a paycheck even though the College was forced to shut down operations for months in 2020,” Natasha: So what's the issue? Warren: The court recited that in later documents, the school “self-reported” 639 employees at the Massachusetts campus, which exceeded the maximum count of 500 employees allowed under the program. Gordon College told MinistryWatch that when it applied for loan forgiveness in July 2021,

Think Big, Buy Small
The Fantastic Economics of SBA Loans

Think Big, Buy Small

Play Episode Listen Later Jul 29, 2024 47:46


The Small Business Administration (SBA) loan program offers acquisition entrepreneurs an incredible opportunity to buy a company with little equity, and on very advantageous terms. Heather Endresen has decades of experience in SBA lending and is now Owner of Viso Business Capital, where she helps searchers in a variety of ways, including finding banks that are most appropriate for their SBA loans. In this episode, Heather explores the ins and outs of these "magical" loans, which differ in important ways from conventional bank loans. She discusses the beauty of SBA loans for first-time buyers, their lack of covenants, the ten-year term, how borrowers might think about the personal guarantee, and more. This is a must-listen episode for anyone considering or in the midst of an entrepreneurship through acquisition journey!  

The Financial Momentum Podcast
92. Buying A Business? Learn What To Do From An SBA Expert!

The Financial Momentum Podcast

Play Episode Listen Later Jul 9, 2024 56:35


Send us a Text Message.In this episode of the Financial Momentum Podcast, we welcome Deb Curtis, an expert in SBA lending and consultant to small business buyers, to discuss the complexities of working with the Small Business Administration (SBA) when purchasing a business. Deb shares her extensive experience from retail banking, business banking, and SBA lending, to provide insights into SBA financing for small business acquisitions. You're invited to send me a text message by clicking the link above this description. You can ask a question, leave a comment or just say hello. I look forward to hearing from you!Subscribe to the Financial Momentum Newsletter where we discuss ideas and tools to build momentum in your business and life! The newsletter is FREE and delivered to your inbox once a week. Click here to subscribe! DISCLAIMER: This video/audio content is intended only for informational, educational, and entertainment purposes. Neither Real Estate Revenue, Financial Momentum or Paul Ary are registered financial advisors, financial planners, attorneys, tax professionals or economists and the contents of this video and/or audio podcast should not be considered investment, financial, legal or tax advice. Your use of Financial Momentum or Real Estate Revenue's channel either on YouTube or on any audio podcast, and your reliance on any information from these sources is solely at your own risk. Moreover, the use of the Internet (including, but not limited to, YouTube, E-Mail, Instagram, Twitter, LinkedIn) for communications with The Financial Momentum Podcast, Real Estate Revenue or Paul Ary does not establish a formal business relationship. This is not financial advice. These are my personal opinions on real estate and the world in general.

Masters In Real Estate
From Petroleum to Property Ft Andrew Schaper

Masters In Real Estate

Play Episode Listen Later Jul 3, 2024 56:50


SummaryAndrew Schaper started his career in the oil and gas industry as a petroleum engineer before transitioning into investment banking. In 2018, he started his own oil and gas consulting business. However, he became interested in commercial real estate, specifically boat and RV storage, and started a development project in 2020. The first phase of the project involved acquiring land, obtaining permits, and constructing the storage facility. Financing was a challenge, but they were able to secure construction loans from a bank. The project is being phased, with each phase being financed separately. Andrew spends more time on the real estate business now and sees it as a long-term investment strategy. In this conversation, Andrew Schaper and Tanner discuss financing options for real estate development projects. They explore the importance of having a sufficient spread between long-term financing costs and the desired yield on cost. They also discuss the challenges of using the Small Business Administration (SBA) for financing and the benefits of working with community banks. Andrew shares his approach to finding deals, conducting due diligence, and managing environmental risks. He emphasizes the need for an outside source of income to support the development business and discusses his plans for the future.Chapters00:00From Oil and Gas to Real Estate06:10Understanding the Oil and Gas Industry09:59Potential for Direct Oil and Gas Investments12:31Venturing into Boat and RV Storage22:03Phasing the Development and Financing25:28Stacking Construction Loans and Long-Term Strategy27:17Balancing Real Estate Development and Other Ventures28:12Financing Options and Building Relationships with Community Banks32:04Land Due Diligence and Dealing with Environmental Issues34:00The Importance of an Outside Source of Income for Development Projects36:11Supporting Investments Through the Full Cycle50:50Balancing Multiple Businesses: Oil and Gas Consulting and Commercial Real Estate

The Marketing Madmen
144. GRIND, GRIT, AND DIVERSE PERSPECTIVES: AN ENTREPRENEURIAL JOURNEY

The Marketing Madmen

Play Episode Listen Later Jun 13, 2024 50:29


In this episode, Nick Constantino interviews Cassius Butts, an entrepreneur, business leader, and educator. Cassius shares insights from his diverse upbringing and experiences, emphasizing the importance of embracing different perspectives and the "grind and grit" required for entrepreneurship. The conversation explores how their backgrounds influenced their career paths, with one speaker initially wanting to be an industrial-organizational psychologist but realizing the value of understanding human motivation for effective leadership They discuss the significance of building rapport, finding common ground, and diversifying one's experiences for success. The speakers reflect on how their grandfather's involvement in local politics inspired them to pursue a career in government, aiming to positively influence people while avoiding partisan politics. They share their experiences navigating urban development and housing policies at HUD during the Bush administration, highlighting the importance of financial literacy and addressing the challenges faced by marginalized communities The conversation also touches on the resilience and opportunities for growth that can arise from navigating adversities, using examples like New Orleans' recovery from natural disasters. Thasunda Brown Duckett, the first African-American Administrator of the Small Business Administration (SBA), discusses the critical role small businesses play in the US economy and how the SBA supports access to capital for these businesses. Overall, the episode emphasizes the power of perseverance, bipartisanship, community engagement, and leveraging existing resources to empower small businesses and minority-owned enterprises Chapters 00:02:56 - Trailblazing the SBA as the First African-American Administrator 00:19:06 - Navigating the Political Landscape: A Bipartisan Approach 00:21:03 - Scaling a Business: Strategies for Growth and Community Engagement 00:27:19 - Thriving Through Challenges: Helping Businesses Scale 00:32:20 - From Podcast to Published: My Book Tour Journey 00:39:44 - Teaching at Morehouse: Lessons Learned 00:45:06 - Fixing the Education System: Bridging the Skills Gap 00:46:26 - Nurturing Competitive Spirit in Education Key Lessons  The importance of embracing different perspectives and diverse backgrounds in shaping one's entrepreneurial journey and leadership approach. The "grind and grit" of entrepreneurship, which Cassius Butts now imparts to his students as an educator, highlighting the value of resilience in navigating challenges. The speakers' involvement in politics and government, and how their experiences in the public service have influenced their career paths and leadership style. Support the show: https://www.nick-constantino.com/See omnystudio.com/listener for privacy information.

ICTPODCAST
Wayne Bell District Director, Small Business Administration sba.gov

ICTPODCAST

Play Episode Listen Later Jun 7, 2024 55:40


"In this community... you really are one phone call away from an opportunity." -Wayne Bell, District Director SBA Entrepreneurs need to know and understand the resources they have available to them so they can continue to deliver greater value for their customers.  The SBA has an enormous amount of resources.  When an Institution has so much to offer constituents, it can be overwheling.  This is why Wayne Bell and his team at the SBA are so important to know.   Build your team and create a relationship with people.  The tools the SBA has need navigating and Wayne has spent the last 16 years helping businesses-- giving them a greater chance to succeed.   I am grateful to know Wayne Bell.  His honest and humble Leadership continues to inform business and entrepreneurship in our community. 

Buying Online Businesses Podcast
Financing An Online Business Acquisition with Stephen Speer

Buying Online Businesses Podcast

Play Episode Listen Later Apr 10, 2024 29:59


Acquiring your dream online business is now possible through financing options. Joining the BOB podcast today is Stephen Speer, who is the Founder and CEO of Ecommerce Lending, where they help people get SBA loans to acquire online businesses.  They both discuss the size of businesses you can buy with finance. What are the 4 stage processes to get the deal across the line? What is the timeline to get a fiance? What do you need to have or get done before applying for a fiance?  They also talked about the importance of assembling a team of professionals when buying a business. And who do you really need? What successful business buyers have in common? Why do they buy businesses and achieve great results compared to those who don't? If you want to own your dream online business, watch this episode today!   Episode Highlights 02:30: What is the minimum amount in financing an online business? 12:30: The type of business structures suited for financing 16:30: What's the next step after the Letter of Intent? 21:45: The types of businesses suitable for you 23:40: Doer, get it done! 25:40: Owning an online business requires commitment    Key Takeaways ➥ Stephen Speer discusses changes in the lending landscape for online business acquisitions, particularly focusing on the minimum loan amounts and financing options available. The minimum loan amount for acquiring an online business is $500,000, with an average loan size now at $2 million, significantly higher than previous years. While the Small Business Administration (SBA) remains a common choice for financing, Speer's firm has expanded its services to cater to larger deals through their Capital Access program, targeting enterprises valued between $10 million to $250 million. ➥ Stephen Speer discusses the typical deposit requirements for acquiring businesses valued between one to three million dollars. Generally, a 10% deposit is required, but in some cases, it can be reduced to 5% with seller contributions. This flexibility has opened doors for many acquisition entrepreneurs. ➥ Jaryd Krause and Stephen Speer discuss the impact of market trends on business acquisitions, noting that multiples have decreased, particularly in product-based businesses, while SaaS businesses still maintain higher multiples, especially in the lower middle markets. Speer highlights their firm's financing capabilities across various business models, including SaaS, e-commerce, and traditional brick-and-mortar businesses. The process for obtaining financing typically takes 60 days, with clients encouraged to get pre-qualified before starting their search and assembling an acquisition team to vet opportunities.   About The Guest Stephen Speer is the founder and CEO of Ecommerce Lending, where they help people get SBA loans to acquire online businesses.   Connect with Stephen Speer  ➥ www.ecommercelending.com ➥ www.linkedin.com/in/stephenspeer ➥ https://www.instagram.com/stephenecommercelending/   Resource Links ➥ Sell your business to us here - https://buyingonlinebusinesses.com/sell-your-business/ ➥ Buying Online Businesses Website - https://buyingonlinebusinesses.com ➥ Download the Due Diligence Framework - https://buyingonlinebusinesses.com/freeresources/ ➥ Cloud Ways (Website Hosting) - https://bit.ly/40tjyjG ➥ Optimize Press (WP Funnel for building landing pages & funnels) - https://bit.ly/3py1ln2 ➥ Ezoic (Ad Network) - https://bit.ly/3NuVR5P  

All Things Small Business
All Things Small Business Podcast Episode 7: Small Business Training Week

All Things Small Business

Play Episode Listen Later Apr 2, 2024 24:18


Ken Carkhuff discusses the upcoming 2024 Small Business Training Week with Dr. Jacqueline Charles, Associate Director of the DoD Office of Small Business Programs (OSBP). During this week, the Federal acquisition workforce will engage in a week of training sponsored by the DoD OSBP in collaboration with the Small Business Administration (SBA). The event will be held April 29 - May 3, 2024, in Chicago, Illinois. Follow the links below to find more information about the DoD OSBP and to register for the event. DoD OSBP Website -  https://business.defense.gov2024 Small Business Training Week Registration - https://web.cvent.com/event/d41a921a-da9b-4aac-862d-a67485339004/regProcessStep1