Financing Your Veteran-Owned Business. Mark L. Rockefeller CEO, StreetShares Inc.
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1 Financing Your Veteran-Owned Business Mark L. Rockefeller CEO, StreetShares Inc. 1
2 Mark L. Rockefeller - 9 years Air Force - B.S. (finance), MBA, JD - Nation-building in Iraq - Microfinance advisor in Africa - (recovering) lawyer at Wall Street firm - Co-founded StreetShares.com in 2013 mrockefeller@streetshares.com 2
3 Overview 1) The Threat to Veterans Entrepreneurship 2) Funding Options 3) Q & A/Discussion 3
4 Post-WWII: Veterans return to start businesses fueled by access to capital Number of Commercial Banks Proprietary and Confidential 4
5 Now: Veterans return to start businesses limited by access to capital Number of Commercial Banks Proprietary and Confidential
6 Why did they succeed?
7 Why are we at risk?
8 What s the solution? Use technology and look beyond the big banks
9 Then: Technology and big banks Libr. of Congress; public domain, no known restrictions
10 Now: Technology and big banks Brooklyn Trust Company, (cc) CC-BY-2.5
11 Technology has changed how we live
12 But technology has not changed banking Take deposits Then Cover Costs: Overhead Buildings Staff Red tape Now Brooklyn Trust Company, (cc) CC-BY-2.5 Make Profitable Loans
13 Why are we still dependent on big banks?
14 We re not And many, many more
15 Non-Profit/Micro-Lenders What do they do? Lend small amounts to businesses that have a socially impactful mission. 15
16 Short duration/very high rate lenders What do they do? Give very fast, very high interest loans. 16
17 Loan Matching Sites What do they do? Online services that take your information and try to match you with multiple potential lenders 17
18 Factoring/Merchant Cash Advance Factoring: A business sells its accounts receivable to the lender Merchant Cash Advance: A business agrees to give lender a percentage of future credit card sales for lump sum a payment. 18
19 Crowdfunding 1) Donation-/Rewards-based Crowdfunding 2) Investment Crowdfunding And many, many more Type 1 and Type 2 are subject to very different laws 19
20 Peer to Peer/Marketplace Lending Online-based financing where groups of individuals can finance your loan request 20
21 21 Debt or equity funding?
22 Early Stage Funding: 3 Basic Options DEBT Think credit cards - you ask for a loan & pay it back over time. EQUITY In exchange for funds, lenders get a small piece of your business. As you succeed & prosper, so do they. ALTERNATIVE These funding sources can be rewards based, requiring neither interest nor shares of your business. + Control/Ownership + Tax deductible + Fixed payments + Flexible - Must be paid back - May require collateral and/or guaranty + Less risk + Equity investors may help you + More cash to grow - More expensive in the long run - Lose control - Limited availability - Difficult to obtain + No repayments + Control/Ownership - Time consuming - Tough competition - Strings attached Credit Cards Loan Sharks Banks Angel Investors Venture Capitalists Grants Friends, Family & Fools Friends, Family & Fools Friends, Family & Fools Crowdfunding 22 Peer lending Equity Crowdfunding
23 Early Stage Funding: Your Options STAGE OF BUSINESS CONCEPT LAUNCH EARLY GROWTH GROWTH Idea & planning $0 in revenue In business <1 year <$25,000 in revenue In business >1 year >$25,000 in revenue In business >2 years >$100,000 in revenue DEBT EQUITY Angel Investors Angel Investors Venture Capitalists Angel Investors Venture Capitalists Venture Capitalists ALTERNATIVE Grants Grants Grants 23
24 What are the options for taking out a loan? 24
25 How do I choose a lender? Bank loans MCA, Factoring, Short term loans Micro/Non-profit Lenders Social-lending Interest Rate 5%-20% 20%-300% Loan Size $100K-$5M Up to $250K Based on what? Kiva: 0% Accion: 9%-16% Kiva: Up to $5K Accion: Up to $50K 5%-28% Up to $100K Numbers only Numbers only Whole picture Whole picture Easy/Fast No Depends No Yes 25
26 Peer to Peer/Marketplace lending is booming Lending Club has originated over $5B in consumer loans By $1T in loans will be originated in this manner globally Source: Lending Club, Inc. 26
27 Why not try social-lending Tell investors the whole picture Investors compete to lend to you Free to apply to post Free to build pitch (takes about 15 minutes) Loan offer after auction is complete Don t like loan offer, don t accept it. No obligation. No prepayment penalty Spread the word about your business 27
28 About StreetShares Loans Loan Amounts: $5,000 - $50,000 1, 3, or 5 year un-secured term loan Must have at least $25,000 in annual revenue Must be at least 1 year in business Reasonable personal credit Veterans get special treatment 28
29 29 A few examples
30 Which loan is best? A business owner needs $1.3m to purchase a new building for his business doing light assembly of camera equipment for military vehicles. 30
31 Which loan is best? A business owner needs $1.3m to purchase a new building for his business doing light assembly of camera equipment for military vehicles. Potential Options: SBA loan, community banks 31
32 Which loan is best? A defense manufacturer wants to borrow $45,000 to hire additional staff and increase marketing to pursue more contracts. He prefers to have the money within a week. 32
33 Which loan is best? A defense manufacturer wants to borrow $45,000 to hire additional staff and increase marketing to pursue more contracts. He prefers to have the money within a week. 33 Best Option: Online Social Lending (StreetShares, LendingClub, Prosper)
34 Which financing is best? A veteran has an idea for an innovative new product with commercial retail applications. It will cost $22,00 to develop and produce the first units. 34
35 Which loan is best? A veteran has an idea for an innovative new product with commercial retail applications. It will cost $22,00 to develop and produce the first units. Possible Options: Crowdfunding 35
36 36 Veteran Business is Back
37 Visit us at Booth 724 to learn more and get a free Veterans Business is Back t-shirt mrockefeller@streetshares.com LinkedIn: /markstreetshares streetshares.com Facebook: /StreetShares LinkedIn: /StreetShares 37
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Access To Capital: The New Landscape of Business Lending 1 David Bann Vice President, Sales & Business Development StreetShares, Inc. www.streetshares.com Mark L. Rockefeller - 9 years Air Force - B.S.
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