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SBA Loans
The SBA offers numerous loan programs to assist small businesses. SBA is primarily a guarantor of loans made by private and other institutions, they do not directly loan to businesses. Contact the Nebraska SBA office for a list of Nebraska approved SBA lenders.
- 7(a) loans are the most basic and most used type loan of SBA’s business loan programs and are only available on a guaranty basis. The loans are provided by lenders who choose to structure their own loans by SBA’s requirements and who apply and receive a guaranty from SBA on a portion of this loan. The SBA does not fully guaranty 7(a) loans.
November Deadline Quickly Nearing for Value-Added Producer Grants
The U.S. Department of Agriculture recently announced the availability of $18 million for the Value-Added Producer Grant (VAPG) program. The deadline to apply is November 30, 2009. To view more information on this grant click on the pdf file below.
November-Deadline-for-Value-Added-Program
Contact: the article’s author, Traci Bruckner, Assistant Policy Program Director for the Center for Rural Affairs at 402.687.2103 x 1016 or tracib@cfra.org. You can also check out a fact sheet on the program at http://www.cfra.org/resources/vapg/fact_sheet. This article is from the Center for Rural Affairs’ October 2009 monthly newsletter.
Renewable Energy and Economic Potential in Iowa, Kansas, Nebraska and South Dakota
The most important issue awaiting action by this Congress for rural development in Iowa, Kansas, Nebraska and South Dakota is renewable energy legislation. Expanding production of renewable electricity to 20 percent of the nation’s electrical generation has the potential to create a large number of new jobs in the rural Midwest and Great Plains, according to an unpublished analysis from the U.S. Department of Energy, National Renewable Energy Laboratory. The state-by-state projections were prepared in conjunction with the laboratory’s report 20% Wind by 2030, but were never formally published. Here, we will focus on Iowa, Kansas, Nebraska and South Dakota. To view this pdf file simply click on the title below.
Renewable-Energy-and-Economic-Potential
This article is from the Center for Rural Affairs’ October 2009 monthly newsletter. The authors are John Crabtree and Kim Preston.
Health Care: What If Rural Really Mattered?
After August’s rancorous health care debate, it seems time to return to the question, “What would it look like if rural really mattered?” Making health care coverage affordable for the rural self-employed should be a driving force in the reform debate. Over half the jobs in rural America are tied to small businesses or self-employment – on family farms, ranches and Main Street businesses. As a result, rural people who own or work for those businesses are twice as likely to be underinsured as urban Americans.
Blogging: More Than Idle Chatter
By Leigh Buchanan, Max Chafkin, and Ryan McCarthy | Feb 1, 2008 Inc. Magazine
With 100 million blogs now online, you may feel as though the last thing your website or the world needs is another one. But if you don’t have a blog, you might want to reconsider. That’s because Google (NASDAQ:GOOG), the great arbiter of Web success, has a particular love for blogs. When compiling its vaunted rankings, the search engine appears to favor websites that are updated frequently and are linked to by other webpages. Given these criteria, blogs have an outsize influence on the results. And blogs are more than a way to game Google. A surprising 66 percent of North American consumers trust blogs as a source of product information, according to a 2007 survey by Nielsen. The trick, say experts and longtime bloggers, is restraint. “For marketers, it’s about being more authentic, which is so ironic,” says Peter Kim, senior analyst at Forrester Research.
Social Networks: Ready to Join the Party? Selling Yourself On Facebook.
By Leigh Buchanan, Max Chafkin, and Ryan McCarthy | Feb 1, 2008 Inc. Magazine
Though roughly two-thirds of all North American Internet users visit a social network at least once a month–and they spend four hours a month on these sites on average, according to ComScore, a Web-traffic research firm–most marketers have so far steered clear of social networks.
“The perception was that social networks were these crazy free-for-alls, basically an extended bar night,” says Max Levchin, co-founder of PayPal and founder of Slide, a San Francisco–based widget developer. “But the fear of putting brands on social networks is starting to subside.” (In the interest of full disclosure, Inc.’s parent company launched IncBizNet, a social network for the owners of private companies, last fall. Operators are standing by.)
Jim Collins: How to Thrive in 2009
By Bo Burlingham | Apr 1, 2009 Inc. Magazine
As part of our (Inc. Magazine’s) 30th-anniversary issue, Inc. asked Jim Collins, author of Good to Great and Built to Last, what we might expect in the next 30 years. His answer: uncertainty, chaos, turbulence, and risk. In other words, it’s not a bad time to be an entrepreneur.
How to Find Funds in a Credit Crunch
By Joanne Cleaver | Oct 1, 2008 Inc. Magazine
Banks are cutting back, but capital is still available for worthy companies that know where to look.”We have one of those mortgages that’s all over the news right now,” says Dave Tiller.That mortgage is an option adjustable rate mortgage, which allows borrowers to pay less than the interest that’s accumulating on the loan — so the amount of the loan grows over time. Back in 2005, when Tiller refinanced his house, such loans were the latest thing. Tiller figured that paying $1,100 a month on the mortgage and deferring $1,400 a month in interest would maximize the amount of cash he had to invest in Studeo Legal, the Peoria, Arizona, legal-document management and consulting firm he was launching.
Then came the credit crunch. His five-bedroom home, appraised at $390,000 when he refinanced, is now worth just $320,000 — $10,000 less than he owes. Meanwhile, his monthly payment has ballooned to $3,000, which is $1,000 more than it would have been if he had been paying interest all along. That means he has less to invest in his business, and, thanks to the credit crunch, virtually no other options for finding capital.
SBA Basic Loan Information
The U.S. Small Business Administration (SBA) is an independent agency of the federal government. Its purpose is to aid, counsel, assist and protect the interests of small business concerns, to preserve free competitive enterprise and to maintain and strengthen the overall economy of our nation. There are numerous loan programs offered through the SBA that businesses can access through SBA preferred and certified lenders.
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