Changing the Mindset- Financial Institutions and. Wendy K. Baumann, President/ CVO
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1 Changing the Mindset- Financial Institutions and Effective Partnerships Wendy K. Baumann, President/ CVO
2 Wisconsin Women s Business Initiative Corporation (WWBIC) Statewide economic development organization 501(c) 3; founded 1987 Offices in Milwaukee, Madison and Racine/Kenosha Local, Regional, National and International Partnerships Emphasis: women, low-wealth individuals, people of color
3 Mission Quality Business Education Access to Capital Economic Self-Sufficiency We assist men and women!
4 WWBIC S Primary Services Business Education & Classes Creative Financing Solutions One-on-One Business Assistance Networking Opportunities Business Incubation Business Laboratory via CWC Make Your Money Talk Financial Awareness & Individual Development Accounts (IDA s) Business Consulting Services
5 WWBIC S Business Education 425+ Workshops and 3,000 unduplicated clients annually Milwaukee, Madison, Green Bay, Fox Valley, Beloit, Janesville, Racine, Kenosha areas & other Entrepreneurship, business planning, marketing, financing, bookkeeping Experiential, hands-on, guest experts Social Business Venture-Coffee With A Conscience
6 WWBIC S Creative Financing Solutions Certified CDFI US Dept. of Treasury (Community Development Financial Institution) Direct Lending Programs: Microloans Participation Loans with Bankers Loan Packaging Services: SBA Programs Business Financing Seminars Can we Talk? Sessions
7 Access to Capital We focus our assistance on: Business owners that can t borrow from a traditional financial institution Start-up businesses; and those set for growth Gap financing for bankable customers
8 Benefits to the Bank Retention of the customer Ability to cross-sell sell bank services Referral of bankable customers from WWBIC Giving your customer an alternative Banker credibility CRA
9 Real Life Examples Gap Financing Bank does building and/or equipment financing; WWBIC provides working capital Participations with Banks Share the risk Allow customer to access classes and Business Education and Assistance Turn Downs Don t say NO; say, WWBIC!
10 Diversifying your loan capital sources A lot of eggs in one basket? Maybe better to have a lot of baskets with a lot of eggs!!!
11 Diversifying your loan capital sources Changing world and having all sectors at the table - Government and Public Investors - Banks and Corporate Investors
12 Diversifying your loan capital sources - Government and Public Investors - Banks and Corporate Investors - Individual Investors - Faith-based Investors
13 Diversifying your loan capital sources Leveraged support and donated support - Funds tied to program assistance - Funds tied to grant support - Started as an investor and also become a contributor
14 Diversifying your loan capital sources
15 Diversifying your loan capital sources A plan - Reason why you WANT to diversify your loan capital sources - Tell the story (past, present, FUTURE!!!) - Share the numbers (financials, ratios, investment case) - A prospectus of sorts!
16 Diversifying your loan capital sources The DELIVERY - In person via a VIP Tour or meeting - Inquiry and phone conversations - Mailed proposal - or online proposal - FOLLOW UP contact!
17 Diversifying your loan capital sources FOLLOW UP - Compliance and Reporting - Annual (Financial Audit) - Quarterly - Consistent and constant communication - Constant Contact - Media - Industry news -??
18 Diversifying your loan capital sources ASK again and ASK for referrals of/to other investors - ASK again for another investment or more - ASK for contribution support - ASK for suggestions on who else may have similar interests - Really banks will suggest other banks and contacts - Faith based investors the same - And individuals and good people know other good people
19 Diversifying your loan capital sources THANKS AND THANKS AND THANKS! - appreciation - gratitude - acknowledgement - solid investment - you will not embarrass the administration AEO 2009
20 Wendy K. Baumann President/ CVO The Wisconsin Women s Business Initiative Corporation National Member Association of Enterprise Opportunity Opportunity Finance Network The Association of Women s Business Centers SBA National Advisory Board Office Depot Women s Advisory Board National Business Incubation Association Consumer Federation of America America Saves wendy.baumann@wwbic.com
21 How to Contact WWBIC Milwaukee: N. Dr. Martin Luther King Jr. Drive Milwaukee, Wisconsin Madison: Racine/Kenosha: Ext. 114 Website: WWBIC Affiliations: Certified Development Financial Institution (CDFI) U.S. Small Business Administration Microlender U.S. Small Business Administration Women s Business Center
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