Charles H. Green

Banker's Guide to New Small Business Finance (eBook, PDF)

Venture Deals, Crowdfunding, Private Equity, and Technology

• Format: PDF

Produktbeschreibung

Detailed, actionable guidance for expanding your revenue in the face of a new virtual market Written by industry authority Charles H. Green, Banker's Guide to New Small Business Finance explains how a financial bust from one perfect storm--the real estate bubble and the liquidity collapse in capital markets--is leading to a boom in the market for innovative lenders that advance funds to small business owners for growth. In the book, Green skillfully reveals how the early lending pioneers capitalized on this emerging market, along with advancements in technology, to reshape small company funding. Through a discussion of the developing field of crowdfunding and the cottage industry that is quickly rising around the ability to sell business equity via the Internet, Banker's Guide to New Small Business Finance covers how small businesses are funded; capital market disruptions; the paradigm shift created by Google, Amazon, and Facebook; private equity in search of ROI; lenders, funders, and places to find money; digital lenders; non-traditional funding; digital capital brokers; and much more. * Covers distinctive ideas that are challenging bank domination of the small lending marketplace * Provides insight into how each lender works, as well as their application grid, pricing model, and management outlook * Offers suggestions on how to engage or compete with each entity, as well as contact information to call them directly * Includes a companion website with online tools and supplemental materials to enhance key concepts discussed in the book If you're a small business financing professional, Banker's Guide to New Small Business Finance gives you authoritative advice on everything you need to adapt and thrive in this rapidly growing business environment.

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Produktdetails

• Verlag: John Wiley & Sons
• Seitenzahl: 224
• Erscheinungstermin: 31. Juli 2014
• Englisch
• ISBN-13: 9781118940860
• Artikelnr.: 41351814

Autorenporträt

CHARLES H. GREEN is a seasoned finance professional with over 30 years of experience advising, financing, and investing in the small business sector. His experience includes tenure as a commercial banker and venture capitalist.He also founded and served as President and CEO of Sunrise Bank of Atlanta. He regularly consults with business owners and bankers, writes about financial topics, and teaches finance through seminars and conferences produced by the enterprise he founded, the Small Business Finance Institute (www.SBFI.org).

Inhaltsangabe

Figures and Tables xi Preface xiii Acknowledgments xix About the Author xxi
Part One: Survey of Funding Small Business 1 Chapter 1: How Small
Businesses Are Funded 3 Defining Small Business 3 ABCs of Small Business
Funding 8 Usual Suspects Providing Business Capital 10 The Rise of
Alternative Financing 12 Chapter 2: Elusive Nature of Bank Funding 15 Risk
Appetite Is an Oxymoron 16 Source of Bank Funding Limits Its Use 17 Small
Business Credit Is Difficult to Scale 19 Loan and Bank Size Are Inversely
Related 20 Chapter 3: Capital Market Disruptions, Post-2008 23 Didn't
Anyone See Bubble Coming? 23 This Time Was Different 25 Where Did Main
Street Funding Go? 29 SBA--Main Street's Federal Bailout? 30 Supply versus
Demand--Did Anyone Ask for a Loan (and What Was the Answer)? 33 Post-Crisis
Reflections on Financial Regulation 37 Part Two: A Perfect Storm Rising 43
Chapter 4: A Paradigm Shift Created by Amazon, Google, and Facebook 45
Amazon Creates Digital Trust 46 Who Answered All Those Questions Before? 49
Your Opinion Is (In)valuable 51 How Do These Changes Affect Small Business
Lending? 54 Chapter 5: Private Equity In Search of ROI 59 The Fed's Low
Interest Policy and the Effects on the Private Investor 60 Wall Street
Isn't Main Street 60 First Buy In, Then Invest Up 62 A Cautionary Note
about a 72 Percent APR 67 Chapter 6: First Change the Marketplace, Then
Change the Market 71 Old Thinking/Technology Can Stifle Credit 72 Morality
and Money 78 The Unintended Consequences of Old Law 79 Capital Markets Go
Digital 81 Pattern Recognition--Data Is the Game Changer 82 Different
Processes and Different Views 84 Crowdfunding versus the Crowd That Got
Funding 86 The Rise in Alternative Paths to Source Funding 88 Billions Went
Missing and No One Noticed? 89 Part Three: Digital Dynamics in Small
Business Funding 93 Chapter 7: Funders and Lenders--Online Capital
Providers 95 Innovative Funding Marketplace 95 Online Funders: Purchasing
Future Receipts 97 Online Lenders: Money from the Cloud 106 Chapter 8:
Crowdfunding with Donors, Innovators, Loaners, and Shareholders 125
Donors--Funding Arts, Solving Problems, and Floating Local Businesses with
No Strings Attached 125 Innovators--Buy It, I'll Build It 133
Loaners--Brother Can You Refinance My Visa? 135 Shareholders--Online Market
for Equity 140 Crowded Elevator? 147 Chapter 9: Other Innovative Funding
Sources on the Rise 151 Factoring in the Digital Age 151 Working Capital
Management as a Financing Strategy 156 Investing Retirement Funds in Self,
Inc. 157 No Store, No Hours, No Bank, No Problem--Virtual Lenders for
Virtual Merchants 160 Taking as Much Time as Needed to Repay 164 Chapter
10: Capital Guides--Online Resources to Find, Coach, and Assist Borrowers
and Lenders 167 Loan Brokers 168 Other Online Resources 174 Chapter 11:
What Innovation Means for Bank Lending 177 Competition Erodes Banks' Share
of Small Business Loans (Again) 178 What Banks Can Fund (but Won't) versus
What Banks Cannot Fund (but Will) 180 The Best Defense Is Still a Good
Offense 182 Banks Still Have the Most Customers and Cheapest Bucks in Town
184 What's Next? Character Redux, Rise of Alternative Payments, and? 186
About the Companion Website 191 Index 193