Access to Capital. Programs and Resources that Assist Small Businesses
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- Sheryl Johnson
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1 Access to Capital Programs and Resources that Assist Small Businesses
2 Learning Objectives Review Small Business Financing Options Learn How to Connect with Financing Options Learn About Resources to Improve Business Financial Status 2
3 SFO Passengers and Programs 2016 Passengers Total Airport Passengers 53,000,000 Passengers Per Day 145,205 Concessions Program Food & Beverage Sales $241.4 Million Retail Sales $126.9 Million Duty Free Sales $110.8 Million Average spending per enplaned passenger $13.71 Construction Program 5 Year Capital Plan ( ) 2018 Construction Projects Below $10 Mil. $7.2 Billion $82 Million 3
4 Types of Opportunities at SFO CONCESSIONS Food & Beverage Operators Retail Shops CONSTRUCTION Planning, Design and Construction PROFESSIONAL SERVICES Construction Management Financial Forecasting, Analysis & Planning, IT Work Environmental Planning Services Operational Management of Airport Services
5 Green Beans Coffee Pilot Construction Management Three Twins Ice Cream 5
6 Baseline Questions 1. Is the US Small Business Administration (SBA) a direct lender to small businesses? 2. Is the SBA the only government agency that provides funds for small businesses? 3. Would a concessions lease award assist a small business in gaining an equity loan? 6
7 Small Business Capital Needs Business Equipment, Inventory, Working Capital Operational Costs Business Acquisition or Expansion Renovating Lease Space (pre-operational upgrades) Debt Refinancing 7
8 Small Business Funding Panel Small Business Administration Tong Qin Nor-Cal Financial Development Corporation Byron Phillips U.S. Bank Brian Lam Pacific Community Ventures Adria Moss Small Business Development Ctrs Robert Shoffner, Angel Cardoz 8
9 Small Business Administration Programs Panelist: Tong Qin, Deputy Director, SBA, San Francisco Office 7(a) Loans Up to $3.75 Million Microloan Program Up to $50,000 CAPLines of Credit Up to $5,000,000 Contract Loan Program Lines of Credit (Seasonal, Builders, Working Capital Line) Other Support - SBDCs, SCORE Contact: SBA, San Francisco District Office (415)
10 Nor-Cal Financial Development Corporation (FDC) Panelist: Byron Phillips, Exec. VP/Loan Director, Nor-Cal FDC California Small Business Loan Guarantee Program Up to $2.5 Mil. JumpStart Microloan Program Up to $10,000 Disaster Relief Program Guarantees up to $2.5 Million Other Technical Assistance, Financial Literacy Applicant Qualifications Required Documentation and Timeline Costs/Fees Contact: (510)
11 U.S. Bank (Commercial Bank) Panelist: Brian Lam, Sales Manager, U.S. Bank SBA Loans Business Lines of Credit Other Services Applicant Qualifications Required Documentation and Timeline Costs/Fees Contact: (650)
12 Pacific Community Ventures (Micro Lender) Panelist: Adria Moss, Manager, PVC Loan Fund SBA Loans - $10,000 to $200,000 Other Loans Business Advising, Other Services Applicant Qualifications Required Documentation and Timeline Costs/Fees Contact: Adria Moss (415) amoss@pcvmail.org 12
13 Small Business Development Center Panelist: Robert Shoffner, Director, San Mateo County SBDC Business Advising and One-on-One Counseling Assistance with SBA Loan Applications Introduction to an Appropriate Lender Classes, Workshops, Assistance Contacts: San Francisco County: Angel Cardoz, (415) San Mateo County: Robert Shoffner, (650)
14 Tips to Prepare for Borrowing Establish Relationships Before You Need to Borrow Ability to win a contract may depend on financial stability and access to a line of credit have relationship in place before you need it. Prepare Business Plan Develop a business plan, which will support future funding requests. Maintain Documentation Borrowing may require 3 years of tax return history, P&L statements, copies of leases & contracts, evidence of ability to repay, and more. Other If you do not get a positive response, improve ability to borrow through classes and advice, such as SBDC resources. 14
15 Review of Baseline Questions 1. Is the US Small Business Administration (SBA) a direct lender to small businesses? 2. Is the SBA is the only government agency that provides funds for small businesses? 3. Would a concessions lease award assist a small business in gaining an equity loan? 15
16 Questions and Comments Thank You! 16
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