Friday, December 31, 2004

Happy Birthday to Me!

30



Also, thanks to coffeegirl for her pre-birthday wishes... Yay! A new year, a new decade, and a new job. What could be better?

54 Comments:

At 4:13 AM, Blogger Buster Van Buren said...

Happy Birthday baby....Hope it was a fun one!

 
At 1:42 PM, Blogger Manolo said...

Manolo says, the Manolo he wishes you the most super fantastic of the days of the birth!

Muchos Besos!

Manolo

 
At 2:38 PM, Blogger Dave said...

Happiest of birthday wishes.

Oh, and welcome to the club!

 
At 7:41 PM, Blogger Jen(nifer) said...

WOOO HOOOOO!!!!!!!!!!!!!!!!!!

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At 12:28 AM, Blogger tony said...

happy birthday!

 
At 1:02 PM, Blogger Eden said...

Happy belated birthday, fellow Decemberian ;)

 
At 10:51 PM, Blogger jenny said...

Happy birthday - 30 was a kick a** year, as I recall. Enjoy it!

 
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The U.S. Government is the nation's largest provider of financial assistance to women & minority owned small businesses. The U.S. Small Business Administration (SBA) is Congressionally mandated to assist the nation’s small businesses in meeting their financing needs. The SBA has small business loan programs and services to meet most small business needs. More information on U.S. Government Small Business Loans can be found at **www.SBASmallBusinessLoans.com**

How do Government SBA Small Business Loans work?

When a small business owner applies to a lending institution for a business loan, the lender reviews the application and decides if it merits a busiuness loan or if it requires an SBA guaranty. SBA backing on the business loan is then requested by the lender. In guaranteeing the business loan, the SBA assures the lender that, in the event the borrower does not repay the loan, the government will reimburse the lender for its loss. By providing this guaranty, the Small Business Administration helps tens of thousands of small business owners get financing they would not otherwise obtain.

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7(a) Loan Guaranty Program

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Low Documentation Loan (SBALowDoc)

SBALowDoc is the SBA’s quick and easy program that provides a guaranty on small business loans of $150,000 or less. Once you have met your lender’s requirements for credit, the lender may request an SBALowDoc guaranty for up to 85 percent of the loan amount. You complete the front of a one-page SBA application, and the lender completes the back. At SBALowDoc centers, the agency processes completed applications within 36 hours.

SBAExpress

This method makes it easier and faster for lenders to provide small business loans of $250,000 or less. The SBA provides a rapid response through its PLP processing center in Sacramento, Calif.— within 36 hours of receiving the complete application package. Lenders use their own procedures to approve and service the loans.

CommunityExpress

The CommunityExpress pilot program is designed to spur economic development and job creation in untapped rural and inner city communities by providing loans and technical assistance. Loan proceeds may be used for most business purposes, including start-up, expansion, equipment purchases, working capital, inventory or real-estate acquisitions.
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While CommunityExpress is similar to SBAExpress, here are some differences:

• CommunityExpress focuses on predesignated geographic areas that primarily low- and moderate-income urban and rural areas.

• The maximum loan amount under CommunityExpress is $250,000.

• CommunityExpress lenders, together with the National Community Reinvestment Coalition, provide hands-on technical training and support, both before and after loan closings, through community-based, nonprofit NCRC member organizations.

7(m) Microloan Program

The SBA’s Microloan Program provides very small loans up to $35,000 to small businesses and not-for-profit child-care centers through a network of locally based intermediary lenders. In addition to making the loans, the intermediaries provide management and technical assistance to microborrowers and potential microborrowers.

What can I use the loan proceeds for?

You can use an SBA small business loan to:

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How do I get started?

You submit a business loan application to a lender for initial review. If the lender approves the business loan subject to an SBA guaranty, a copy of the loan application and a credit analysis are forwarded by the lender to the nearest SBA office. After SBA approval, the lending institution closes the business loan and disburses the funds; you make monthly loan payments directly to the lender. As with any loan, you are responsible for repaying the full amount of the loan. Visit **www.SBASmallBusinessLoans.com** for more info.

 
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