Is your office staff overrun? Your help desk in the weeds? Concerned about the new desktop installation that you have planned? Is your administrative staff bogged down with the little things?

The Jefferson County Public Schools Internship program is the answer to your problems. The Internship program was established to help connect talented students with businesses and employers throughout the greater Louisville area. Hiring skilled students as interns allows you to “GROW YOUR OWN” future employees. Additionally, an intern provides your company with skilled talent that possesses a strong desire to work and learn about the world of business. Students within the schools have developed the following skill set (Office Clerical/Assistants, Data entry, Desktop Support/Helpdesk technicians, Web site maintenance, & Graphic Design) and are looking to connect with employers with a need for these skills. Your involvement not only supports local workforce development initiatives, but also provides you with a cost effective labor alternative that is often time needing only part-time employment with out benefits. In the simplest terms possible, you can save money by utilizing the help of student interns.

I encourage you to join the ranks of many other participating companies and become involved with this successful workforce development initiative.

What banks or other lending institutions will typically require from you depends on your business needs. Use this chart to know what to expect:

To Start up a New Business:

1. Complete and thorough Business Plan.
2. Financial projections of profit and loss statements, balance sheets, and cash flows for 3-5 years.
3. Complete personal tax returns and personal financial statements from each principle owner.
4. Break down of sources and uses of funds.
5. Written statement of source of down payment or collateral requirements.

To Buy an Existing Business:

1. Letter describing the details of the business, noting agreement between seller and closing dates.
2. Complete business tax returns or Schedule C’s from seller for past 3 fiscal years.
3. Complete personal tax returns and personal financial statements from each principle owner.
4. Breakdown of all business assets and approximate value.
5. List of any business debt being transferred with the business acquisition.
6. Written statement of source of down payment or collateral requirements.
7. YTD financial statements, tax returns, and debts of any other businesses you own.

1. YTD Financial Statements (P&L statement, balance sheet, and cash flow).
2. Complete business tax returns or Schedule C’s from seller for past 3 fiscal years.
3. Complete personal tax returns and personal financial statements from each principle owner.
4. Personal financial statement from each principle owner.
5. List of any business debt.
6. Written statement of source of down payment or collateral requirements.
7. Copy of purchase agreement or letter of intent from seller.
8. Contractor bid of construction costs and project cost breakdown.
9. Status of all legal permits, including date when they will be issued.

Before going to lenders for financing, check the points below to see what you will need to prepare. Remember, each institution is different, so the requirements vary from lender to lender depending on how they assess your specific case.

• In any case lenders always want to see significant collateral or personal investment, usually 20%-30% of total financial need.
• Always be aware of your own personal credit history. Many times that is the first piece of information a lender will collect when you apply for a loan.
• For most loans, you (and your spouse) will have to pledge personal assets to collateralize the loan. Just because they do not require you to sign a second mortgage on your home does not mean that that property is immune if the loan is jeopardized.
• You should shop for financing like you would anything else, as institutions will vary on collateral requirements, terms and rates. So it is in your best interest to gather information from several different lenders.
• Venture Capital firms are VERY difficult to access and their interests are LIMITED. Very few start-up small businesses meet their stringent requirements.

The key to success in business is not so comfortable you do not see the opportunities when they come knocking. On the other hand, is a good idea to plan financially for improvements or expansions, and research the type of payday loans available to you if you have to jump quickly to a new opportunity. And remain alert to opportunities that come, you must be actively seeking new ways to evolve their business and the work of its strengths, and in this article are some ideas to get you thinking along those lines.

Multiply

If you have a very successful model in one place, might be an idea to try to open a replica elsewhere. The great thing about starting somewhere new is that we have the brand, reputation and business plan in place. Most importantly, however, is likely to have made all the rookie mistakes and think to yourself “if I had my back …” and, in essence, this is your chance to get a re-do and make all the changes you’ve learned the hard way the first time.

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