2016 Knowledge Is Power Conference Saturday 16, A wholly owned subsidiary of
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1 2016 Knowledge Is Power Conference Saturday 16, 2016 A wholly owned subsidiary of
2 Southern Dallas Development Corporation 2016 Overview Charles McElrath President & CEO A wholly owned subsidiary of
3 About SDDC The mission of SDDC is to stimulate economic growth and encourage financial literacy in Southern Dallas through strategic business financing.
4 About PeopleFund Certified Texas Non profit 501(c)3 SDDC & PeopleFund were established in 1989 and 1994 respectively. Headquartered in Austin, TX with offices in Dallas, Fort Worth, San Antonio, Houston, El Paso and the Rio Grande Valley US Treasury Certified Community Development Financial Institution (CDFI) Commitment to serve underserved markets, i.e. minority, women, veteran owned businesses, and businesses in low to moderate income (LMI) census tracts Small Business Administration (SBA) Certified Lender SDDC merges with PeopleFund in December 2015
5 What Makes SDDC & PeopleFund Different Non Profit Business Lender CDFI Support Underserved Populations No Application Fee No Established Minimum FICO Score Low Loan Equity Contribution Flexible Loan Terms and No Pre Payment Penalty Post Loan Business Training and Support Variety of Loan Products
6 Why Support Small Businesses? There are over 27 million small businesses in the U.S. 50% of all businesses are small businesses Small businesses employ 52% of all workers in the U.S.
7 SDDC s Loan Programs SDDC Community Development Loan Fund (City of Dallas) Southern Dallas Small Business Loan Program Southern Dallas Development Fund Dallas Business Finance Corporation
8 Community Development (CDBG) Term loans for working capital, equipment, and R/E* Designated low/moderate income areas in the City of Dallas 18 months operating history & minimum 10% equity preferred 1 new FT job/$35,000 CDBG funds Maximum loan amount: $300,000 Subordinate lien position! *R/E must be 51% owner occupied for consideration
9 Southern Dallas Small Business Loan Term loans for working capital, equipment, and R/E* South of the Trinity River and south of I 30 to city limit 18 months operating history & minimum 10% equity preferred 1 new FT job/$50,000 CDBG funds. Maximum loan amount: $75,000 Subordinate lien position *R/E must be 51% owner occupied for consideration
10 Southern Dallas Development Fund Term loans for working capital, equipment, R/E* construction/rehab Within Southern sector City of Dallas limits and southern Dallas county Maximum loan amount: $250,000 Preferences 18 months operating history Bank participation strongly encouraged Minimum 10% equity *R/E must be 51% owner occupied for consideration
11 SBA 504 Loan Dallas Business Finance Corporation Capital expansion for Real Estate and/or equipment Statewide access Typical Structure 50% Senior Lender 40% SBA 504 (up to $5,500,000) 10% Owner s equity injection
12 Five C s of Credit Character Capacity Capital Conditions Collateral
13 Character Banks want to put their money with clients who have the best credentials and references. The way you treat your employees and customers, the way you take responsibility, your timeliness in fulfilling obligations that's character. Your personal credit score matters
14 Capacity Your company's borrowing history and track record of repayment How much debt your company can handle Ability to honor the obligation and repay the debt Consider financial benchmarks such as debt and liquidity ratios that banks use before advancing funds
15 Capital How well capitalized is your company? How much money have you invested in the business? Banks want to see that you have a financial commitment; that you have put yourself at risk in the company. How much skin do you have in the game?
16 Conditions What are the current economic conditions and how does your company fit in? If your business is sensitive to economic downturns, the bank wants to know that you are good at managing productivity and expenses.
17 Collateral While cash flow will nearly always be the primary source of repayment of a loan, bankers look at collateral as a secondary source of repayment. Collateral represents assets that the company pledges as an alternate repayment source for the loan. Most collateral is in the form of real estate and office or manufacturing equipment. Your accounts receivable and inventory can also be pledged as collateral. Unless you're a business with a proven payments track record, you will almost always be required to pledge collateral.
18 Key Components of a Business Plan Executive Summary Get your audience engaged and interested Business Section Who, Where, What Market Analysis The why what s so special about your company? Financial Section How much have you committed to the business? Management Section Are you the right person for this type of business?
19 Contact SDDC Charles McElrath President 400 S. Zang Blvd, Suite 1210 Dallas, TX Telephone:
20 Contact PeopleFund Gary Lindner President & CEO Rocio Vallejo Director of Lending Amber Cooney Director of Development Mari Montoya Senior Loan Officer Dallas Erika Downs Loan Officer Fort Worth Nini Gutierrez Loan Officer Houston Esther Lopez Loan Officer El Paso Beatriz Pappas Senior Loan Officer South Austin/ San Antonio Marco Melendez Loan Officer North Austin/Waco Jesse Sanchez Jr Loan Officer Rio Grande Valley
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