Lending. Supporting. Inspiring.
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1 ACCION Texas Lending. Supporting. Inspiring. Michelle Bell Loan Officer Arlington, Texas
2 ACCION Texas Mission The mission of ACCION Texas is to provide credit to small businesses that do not have access to loans from commercial sources. Through its loans and services, ACCION Texas helps microentrepreneurs strengthen their businesses, stabilize and increase their incomes, create additional employment and contribute to the economic revitalization of their communities.
3 ACCION Texas Now ACCION Texas has: 1,632 active clients $60,782,137 disbursed (since 94) 8446 (since 94) $16,620,284 active portfolio $14,559 average loan size 39 full-time employees * As of September 30,2007 Petra Rosales Owner, Porcelain Dolls By Petra and Jorge
4 ACCION Texas Offices San Antonio, March 1994 McAllen, March 1998 Houston, September 1998 Dallas, January 1999 Brownsville, May 1999 Austin, May 1999 El Paso, August 1999 Corpus Christi, August 2004 Laredo, September 2005
5 ACCION in Dallas/Fort Worth/ Arlington Since loans $8,366,054 lent Clients 44% African American 33% Hispanic 23% White/Other Male 54% Female 46%
6 ACCION Texas Products Loans - $500 to $50,000 Pronto ACCION Loan Unsecured loan up to $5000 for those with stronger credit and capacity ACCION Loan Officer OK Loans Loan officer approves loans up to $1000 for businesses that meet ACCION criteria check in hours. Regional Directors approve up to $5000. Tandem Loans ACCION Texas can work with banks to offer additional working capital and assume second lien position to bank Lines of Credit - $5,000 to $25,000 Self Guaranty Loan Program For clients with strong credit and business with little or no collateral. Contribute 5% loans principal to non-refundable loan loss reserve pool. SBA 504 Loans Real estate/commercial development loans up to $2.5 million. Seeks to meet public policy goals. Home Mortgage Purchase or refinance through national non-profit and other mortgage partners.
7 ACCION Texas Partnerships Banks refer clients they cannot help also get community reinvestment credit for working with ACCION. FDIC sponsor events around the state to introduce ACCION Texas to bankers, businesses, prospective clients. SBA provide loan funds to ACCION, and client referrals. SBDC provide assistance to small business and then refer to ACCION Texas for funding. SCORE Business plans, technical assistance Chambers of Commerce business focus. ACCION can help. Loan Partners actively participate in the loan process to include application, document collection, collateral inspection, closing. Current clients - our best referral source for new loans.
8 Loan Partner Program Designed to geographically expand loan services Areas where ACCION does not have offices Team with Partners who want to help locally Training at ACCION Texas or your place Financial Incentive Program Witchita Falls example
9 Who we help We help small businesses that fall just beneath bank guidelines. We formerly had a client profile of customers with very weak credit and low-to-moderate incomes. Now, we can also help those small business owners who have better credit, have a higher income level, but are still unbankable. Startup businesses Working capital loans to existing business
10 ACCION Texas Loan Criteria Character Credit history of applicant Financial ability to repay Commitment and motivation to improve your business Commitment and motivation to improve your credit Payment history with other creditors, landlords, suppliers, etc. Collateral
11 How to apply for a loan Fill out application online or paper application Provide picture ID Texas driver s license We perform automated review of application Give client feedback on maximum loan amount and required documents within 24 hours Process the loan in San Antonio Close the loan along with check Total loan process as little as 48 hours depends on how promptly client provides necessary documents for loan underwriting/processing
12 North Texas Region Contact information Veronica Wallace Dallas Regional Director Mary Ann Ayala Customer Service Rep Adella Cantu Customer Service Rep Bank of America Bldg Basement, 400 So. Zang Blvd., Dallas TX Michelle Bell Arlington Loan Officer Arlington Chamber of Commerce, 202 E. Border St., Arlington, TX
13 ACCION Texas Philosophy Credit, a word which comes from the Latin verb to believe, is what ACCION is all about. Giving people credit for who they are and seeing collateral in a person s character. Believing that people can succeed, and giving them the tools they need to do so. Moises Reyna Owner, Tienda La Reyna
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