Minority Small Business Loans
Minority Small Business Loans

Obtaining a business loan with credit problems?

Anyone knows how I can obtain a business loan with a credit score >600? I'd like to open a small bakery/cafe. Also I need help writing a business plan. I heard of a program for Women and Minorities, does this really work? Anyone knows exactly what's needed to obtain a loan?

The first thing I would look at is investment and capital requirements for the business.

Your plan would be a start up plan as you are not an existing business, determine what is most important in your plan.
Form follows function, make the contents of your plan match your purpose and adjust the outline to match your plan.

You will need to have an investors summaries and loan application, when a plan is used to back up a loan application or explain an opportunity to potential investors, it may require a special summary document as well as the complete plan.
Many investors like to see a brief summary, and loan applications do not always require a complete plan.

Time frames, is three years enough? Your plan should project sales by month for the next 12 months, and annual sales for the following two years.

Here is an outline in sequence in a standared business plan

Executive summary

1. Objectives

2. Mission

3. Keys to success

Company summary

1. Company ownership

2. Company history

3. Company facilities and location

Products and services

1. Product and/or services both with discription

2. Competitive comparison

3. Sales literature

4. Sourcing

5. Technology

6. Future products

Market analysis summary

1. Market segmentation

2. Target market segment strategy

3. Market needs

4. Market trends

5. Market growth

Industry analysis

1. Industry participants

2. Distribution patterns

3. Factors of competition

4. Main competitors

Strategy and implemantation summary.

1. Strategy pyramids

2. Value proposition

3. Competitive edge

4. Marketing strategy

5. Positioning statement

6. Pricing strategy

7. Promotion strategy

8. Marketing programs

9. Sales strategy

10. Sales forecasts

11. Sales programs

12. Milestones

Management summary

1. Organization structure

2. Management team

3. Management team gaps

4. Personnel plan

Financial plan

1. Important assumptions

2. Key financial indicators

3. Break - even analysis

4. Projected profit and loss

5. Projected cash flow

6. Projected balance sheet

7. Business ratios

8. Long term plan.

I hope this help you a little.

Merchant Cash Minority Business Loan - MerchantCashAdvance.Com

 
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