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Bunin Business Planning For Financing For Linkedin 10-12-12 Show 97-2003 No PW
Bunin Business Planning For Financing For Linkedin 10-12-12 Show 97-2003 No PW
8417 Bergenline Ave. North Bergen, NJ 07047 Tel. (201) 295-1400 Fax (201) 295-1444 www.CapitalLending.com Licensed is NJ & FL NMLS# 168832 Solving Tough Funding Problems with Customized Financing Solutions Since 1995
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It is not something that is done to gain funding and then forgotten about.
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It is both the long- term VISION as well as the detailed IMPLEMENTATION Plan.
It is THE COMMUNICATIONS TOOL to lead employees and when summarized in various forms, the communications tool to gain the trust of investors and lenders.
Capital Lending Corp. All Rights Reserved. Important - see slide 37 for product admonishments.
The Solution:
A well thought-out strategic plan comes from a wellstructured strategic planning process. Such a process encourages management to rethink how they define their business. Such a process encourages management to think about how to deal with changes in the key factors that affect the business. Such a process encourages management to rethink how all areas of the company operate. Such a process encourages management to anticipate problems and solutions before they become emergencies.
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Capital Lending Corp. All Rights Reserved. Important - see slide 37 for product admonishments.
The Benefits:
RESULTS are as expected, not as fate allows.
The UNEXPECTED can be MANAGED. INCREASED SPEED of DECISONS The ORGANIZATION UNDERSTANDS and supports management actions because it understands the big picture and that the competitiveness and ultimate survival of the company depends on their support ( and the Plan rewards that support!).
The Plan has CREDIBILITY with INVESTORS & LENDERS. The Plan clearly states what has to be done and why. OUTSTANDING LEADERSHIP REQUIRES EXCEPTIONAL COMMUNICATIONS.
Capital Lending Corp. All Rights Reserved. Important - see slide 37 for product admonishments.
Getting Started..
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METHODOLOGY
Define the VISION.
Do a SWOT ANALYSIS for each Key External & Internal Factor. Define STRATEGIES to get RESULTS that deal with SWOT ISSUES.
Decide on year-by-year detailed IMPLEMENTATION ACTION PLANS. Translate Implementation Plan into FINANCIAL FORECAST. Assess the overall RISKS and SENSITIVITIES. REVIEW and re-do until entire package is acceptable, plausible and doable.
Capital Lending Corp. All Rights Reserved. Important - see slide 37 for product admonishments.
REVIEW
Review plan on a top down and bottom up basis for a reality check. Does it make common sense? Is the VISION definitive and insightful?
Do the STRATEGIES get the RESULTS that deal with the issues? Is the timing correct?
Will the ACTION PLANS successfully implement the strategies? Are all the resources available?
Are the RISKS acceptable? Are any undue risks not being addressed and minimized?
REVIEW and re-do until entire package is acceptable, plausible and do-able
Capital Lending Corp. All Rights Reserved. Important - see slide 37 for product admonishments.
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ITS NOT THE PLAN, BUT THE PLANNING - Gen. Dwight D. Eisenhower
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Some Examples of Innovative Financing that Can Help Implement The Business Plan
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Capital Lending Corp. All Rights Reserved. Important - see slide 37 for product admonishments.
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Cash Flow
EBITDA (without one time charges)
Bank Deposits
Rent Roll Net Operating Income Business Plan Special Programs may allow borrowers to finance projects with No Personal Income Verification (NIV). This depends on the nature of the project and the details.
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Credit / Character
Evidence of credit is your credit report and credit scores. The FICO (Fair Isaacs & Company) credit score system is the most widely used measure of credit worthiness.
Good character is a law abiding person of integrity and candor who lives up to his/her obligations.
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Credit / Character
FICO Distribution Chart - The chart below is based on the percentage of consumers within a FICO score range. As you can see over 1/2 of the U.S. population (58%) has a FICO score of 700 and higher. http://www.myfico.com/CreditEducation/CreditScores.aspx
Capital Lending Corp. All Rights Reserved. Important - see slide 37 for product admonishments.
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Credit / Character
FICO Delinquency Chart - The chart below is based on consumer's FICO scores and what their percentage of delinquency is on a credit card or loan payment. As you can see, FICO scores that are above 700 are considered very low credit risks. This means that for every 100 borrowers only 5 or less will be delinquent. FICO scores below 700 can be considered higher credit risk and the delinquencies become greater as the FICO score gets lower.
https://www.econsumer.equifax.com/consumer/sitepage.ehtml?forward=cps_hlsysample
Capital Lending Corp. All Rights Reserved. Important - see slide 37 for product admonishments.
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Credit / Character
www.myfico.com The higher your FICO scores, you the less you pay to buy on credit no matter whether youre getting a home loan, cell phone, a car loan, or signing up for credit cards. ON AVERAGE, A CHANGE OF 100 FICO POINTS CAN AFFECT INTEREST RATES ABOUT 1%. Good credit helps borrowers secure better interest rates. However, many programs allow borrowers with credit challenges to finance projects as long as there are other compensating factors.
Capital Lending Corp. All Rights Reserved. Important - see slide 37 for product admonishments.
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Capital Lending Corp. All Rights Reserved. Important - see slide 37 for product admonishments.
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Management Experience
Relevant Management & Technical experience in subject business. People finance people, not projects. A Business Plan for a New or Expanding/Changing Organization.
Some Examples of the Many Innovative Commercial Real Estate Programs Available
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Shopping Centers
Retail Stores Hard To Finance Properties
Loans for churches, gas stations, golf courses, hotels, motels, restaurants, retail stores, industrial buildings, marinas, auto repairs, dry cleaners, brownfields, etc
Capital Lending Corp. All Rights Reserved. Important - see slide 37 for product admonishments.
Non-Bankable Loans
Non-Bankable Loans are for transactions that are too risky for traditional banks. Some examples are:
DOES NOT FOCUS on the borrowers personal income, employment, tax returns, personal assets or credit (FICO can be very low with bankruptcies, judgments, etc.)
DOES FOCUS on commercial real estate or other assets as collateral.
Capital Lending Corp. All Rights Reserved. Important - see slide 37 for product admonishments.
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Capital Lending Corp. All Rights Reserved. Important - see slide 37 for product admonishments.
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Capital Lending Corp. All Rights Reserved. Important - see slide 37 for product admonishments.
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Terms based on the Life of the Asset Sale Leaseback Competitive Interest Rates & Terms
Capital Lending Corp. All Rights Reserved. Important - see slide 37 for product admonishments.
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Venture Capital
Match Clients with the most appropriate institutional investors.
Competitive Investment Banking Fees Help structure deal that takes into account the clients entire business/financial picture.
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International Financing
Letters of Credit
Some Examples of the Many Innovative Construction & Bridge Financing Programs Available
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Bridge Financing
Term: 1 to 3 years
Lending Area: United States Loan Size: $500,000 to $50,000,000+
Some Examples of the Many Innovative Residential Real Estate Financing Programs Available
In Some Instances a Small Business Owner May Be Able Use Home Equity to Help Fund their Business
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Residential Mortgages
Residential Real Estate Financing Aggressive FHA Programs
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Product Admonishments
Restrictions may apply. Material limitations on the availability of credit may exist. Documentation requirements may vary.
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We focus on Client relationships not transactions We offer complimentary professional Client consultations
Capital Lending Corp. All Rights Reserved. Important - see slide 37 for product admonishments. 40
CLC has been ranked by National Mortgage News among the top 100 licensed mortgage companies and banks arranging residential and commercial loans.
Capital Lending Corp. All Rights Reserved. Important - see slide 37 for product admonishments.
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Capital Lending Corp. All Rights Reserved. Important - see slide 37 for product admonishments.
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