EQUITY LOAN PROGRAM City of Oakland November Program Summary Prerequisite Documents Loan Assessment Tiers Application Process Loan Process
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1 EQUITY LOAN PROGRAM City of Oakland November 2018 Program Summary Prerequisite Documents Loan Assessment Tiers Application Process Loan Process
2 Program Summary Revolving Loan Program Loan Tiers to help build sustainable businesses Maximum loan is $100,000 per individual or business Loans are interest free, to be repaid montly over 4 years Limited pool of funds Program Summary Prerequisite Documents Tiers Loan Process
3 Meet the Consultants Elevate Impact Oakland Paula Groves Monica Edwards Keith Spears Program Summary Prerequisite Documents Tiers Loan Process
4 Getting Started Program Summary Prerequisite Documents Tiers Loan Process
5 Prerequisites Register at ElevateImpactOakland.com City of Oakland cannabis permit inspection card for the site where the Loan Applicant intends to operate their business Certificate for Equity Qualified Individual(s) from the Make Green Go s entrepreneurship training course titled Start, Run and Grow your Cannabis Company Completed a business plan Completed 12-month monthly financial projections Completed Use of proceeds statement Program Summary Prerequisite Documents Tiers Loan Process
6 Funding Tiers Program Summary Prerequisite Documents Tiers Loan Process
7 FUNDING TIERS Tier Tier 1 Tier 2 Tier 3 Tier 4 Tier 5 Purpose Establish the Business Get Compliant Open the business Start Operations Grow the B i Loan Amount (Up to) Monthly Payment Combined Loan Amount Combined Monthly Payment $5,000 $104 $5,000 $104 $10,000 $208 $15,000 $312 $15,000 $313 $30,000 $625 $20,000 $417 $50,000 $1,042 $50,000 $1,042 $100,000 $2,084
8 Must meet the Tier requirements to apply Can apply for more than on Tier at a time Considerations Can apply for the next loan Tier without fully repaying the prior loan if: Receipts show 70% of previous loan spent on eligible expenses Current on loan repayments, Compliant with licenses, permits and taxes Monthly loan repayments begin one month after funding Program Summary Prerequisite Documents Loan Assessment Tiers Application Process Loan Process
9 Maximum Loan Amount $100,000 Maximum loan amount per person or business Program Summary Prerequisite Documents Tiers Loan Process
10 Tier 1 Establish the Business Loan amount Up to $5,000 Potential Use of Funds: Legal fees Branding (name/logo) Consultants Staff and contractors REQUIREMENTS: Completed Prerequisite Documentation Completed Loan Assessment Documentation Lease, sublease or incubator agreement Personal Financial Statement Personal and business tax returns from the most recent 2 years. Program Summary Prerequisite Documents Tiers Loan Process
11 Tier 2 Get Compliant Loan Amount up to additional $10,000 Potential Use of Funds: REQUIREMENTS: Items in Tier 1 Insurance Bookkeeping system Completed requirement for Tier 1 Proof of trademark search and business name usability Accounting fees State license fees Organization documents for the business entity Proof of trademark search and business name usability Operating agreement signed by the business partners Organization documents for the business entity Fictitious business name statement Operating agreement signed by the business partners Fictitious business name statement City of Oakland business Tax Certificate State of California seller s permit City of Oakland business Tax Certificate State of California seller s permit Program Summary Prerequisite Documents Tiers Loan Process
12 Tier 3 Open the Business Loan Amount up to additional $15,000 Potential Use of Funds: Items in Tiers 1 & 2 Bring space into compliance Equipment & furniture Architect Structural engineer REQUIREMENTS: Completed requirements for Tier 1 and 2 Temporary, provisional or annual state cannabis license Business insurance policy Evidence of compliance with Oakland s Minimum Wage Ordinance If Loan Applicant has employees, demonstrates the company is in compliance with Employment Development Department regulations (i.e. payroll tax, unemployment insurance, state disability insurance, etc.), Evidence of a bookkeeping system Program Summary Prerequisite Documents Tiers Loan Process
13 Tier 4 Start Operations Loan Amount up to additional $20,000 Potential Use of Funds: Items in Tiers 1, 2 & 3 Inventory Packaging Marketing and Advertising Event permits IT and Website Acquiring more space Maintenance/upgrades REQUIREMENTS: Completed requirements for Tier 1, 2 and 3 Copy of completed and signed inspection card Program Summary Prerequisite Documents Tiers Loan Process
14 Tier 5 Grow the Business Loan Amount up to additional $50,000 Potential Use of Funds: Growth REQUIREMENTS: Completed requirements for Tier 1, 2, 3 and 4 Proof that the business is EITHER 100% owned by individuals satisfying the City of Oakland equity criteria as evidenced by the operating agreement; OR Will match the City of Oakland loan amount in cash with an equal size loan or investment from a Third Party as evidenced by a completed and signed Tier 5 Equity Loan Match Form. Program Summary Prerequisite Documents Tiers Loan Process
15 Ineligible Use of Loan Funds Unlicensed cannabis business Non-cannabis businesses that serve the cannabis industry Buying unlicensed inventory Personal expenses or the acquisition of personal property such as cars, homes, etc. Relending or investing To engage in prohibited operations as specified in the regulation
16 Loan Approval Process Program Summary Prerequisite Documents Loan Assessment Tiers Application Process Loan Process
17 STEP 1: Online Application Register for an account at Complete the loan application online. Paper applications will not be accepted. Applications can be completed online at local public libraries. Must fulfill all Prerequisites and Tier requirements. Program Summary Prerequisite Documents Tiers Application Process Loan Process
18 STEP 2: Application Review Loan applications are reviewed by Elevate Impact to ensure Tier requirements are met and required documents are submitted. If complete, the Applicant receives saying that the application has been sent for Loan Committee for review. If not complete, the Applicant receives stating what is missing and the Applicant will be able to complete and resubmit their application.
19 Loan Application is submitted to Loan Committee for review and Equity Loan Assessment Scoring. Application must receive 60 out of 100 points for approval. STEP 3: Loan Committee Review If score is 60 points or more, is sent saying application has been approved and will be sent to loan closing. If score is 59 points or less, applicant is contacted to explain how to improve their score. Applicant can then resubmit their Loan Application. Program Summary Prerequisite Documents Tiers Application Process Loan Process
20 Equity Loan Assessment Score Program Summary Prerequisite Documents Loan Assessment Tiers Application Process Loan Process
21 7 Categories are Assessed Program Summary Prerequisite Documents Tiers Application Process Loan Process
22 Assessment Categories 1-4 Program Summary Prerequisite Documents Tiers Application Process Loan Process
23 Assessment Category 5 Program Summary Prerequisite Documents Tiers Application Process Loan Process
24 Assessment Categories 6-7 Program Summary Prerequisite Documents Tiers Application Process Loan Process
25 Loan Assessment: Documents p.1 of 2 Evidence of ownership amount Loan applicant resume or experience questions Partner(s) resume or experience questions Current or future customer reference Current or future supplier reference Work reference Program Summary Prerequisite Documents Tiers Application Process Loan Process
26 Loan Assessment Documents p. 2 of 2 Strategic/joint venture reference Personal reference Reference from one Loan Applicant borrowed and repaid at least $1,000 Equity Loan Project Description Assessment of Business Plan Assessment of 12-Month Monthly Financials Assessment of Use of Proceeds Statement Program Summary Prerequisite Documents Tiers Application Process Loan Process
27 Step 4: Loan Closing sent to Applicant and City stating loan is approved Meet with the Applicant to review, complete and sign the closing documents Send completed loan documents for City s signature and payment processing Program Summary Prerequisite Documents Tiers Application Process Loan Process
28 Step 5: Loan Funding Once funds are available, the City of Oakland contacts Applicant to pick up the loan payment and fully executed Loan Agreement at the Special Activity Permits Office and sign for payment receipt Program Summary Prerequisite Documents Tiers Application Process Loan Process
29 1.Underwriting 2.Funding 3.Post-Close Process Flowcharts Program Summary Prerequisite Documents Loan Assessment Tiers Application Process Loan Process
30 Underwriting Flow Chart Key Take Away Application must get 60 out of 100 on Loan Assessment Program Summary Prerequisite Documents Tiers Application Process Loan Process
31
32 Funding Flowchart Key Take Away City will issue a check Program Summary Prerequisite Documents Tiers Application Process Loan Process
33
34 Post-Close Flowchart Key Take Away If nonpayment, license could be suspended or worse Program Summary Prerequisite Documents Tiers Application Process Loan Process
35
36 Get Registered Program Summary Prerequisite Documents Tiers Loan Process
37 Thank you Questions Contact Us
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