Guia por pequeños negocios
Updated 6/28/2007 1:11:24 PM

Plan de Negocios
Updated 6/28/2007 1:11:24 PM

Disaster Assistance

Our team of counselors is ready to help when disaster strikes. Our services include assessing economic injury, reviewing options for financial help, and helping you create ways to keep cash flowing in your business.

Emergency Preparation

Business continunity planning is extremely important no matter the size of your business. The best way to reduce the impact of any disaster is to have your plan in place now and ready to put it into action when the unthinkable hits your business.

How will you protect your records? Who do you call when your location is damaged? What are the first steps to take to reduce your risk?

All of these questions can be answered by our team of counselors working with you to look at your current operations and helping you to put into place a continuity preparedness plan for your business.

PREPARE & PLAN
INSURANCE CLAIMS
RECOVERING

Success Story…BETT Enterprises

For the last five years, Gayla Williams has been proving that she knows what she’s talking about when it comes to commercial painting.

Because of her reputation for quality work, Williams’ company, BETT Enterprises Inc., has grown from three to 21 employees, and gross revenue is expected to top more than $1 million this year. BETT provides a complete line of professional paint finishes for all types of commercial construction.

After working 10 years for a national paint company, Williams was offered the opportunity to serve as a project manager for a large paint contractor in Arkansas. Through this experience she learned all aspects of paint applications, building procedures and the bidding processes. When the owner of the company retired and closed up shop, Williams returned to Oklahoma and began researching her opportunities to start her own company in the Tulsa area.

Williams had developed many contacts among painting contractors, and she began to pick up small contracts from their overflow. Although work was slow, she began to build a strong foundation for a reputation of quality work. As work picked up, she began receiving requests from general contractors to bid their jobs.

However, growth proved to be an unexpected obstacle. As she began to grow, she realized she needed more capital to finance projects until payment for the work came in. That’s when she contacted the U.S. Small Business Administration for help.

“And, as they say, the rest is history,” Williams said. “Beginning my third year in business, it became evident that I needed some financial help and guidance,” Williams said. She met with John Blue, Director of the Oklahoma Small Business Development Center in Broken Arrow. “Through John’s tutelage and assistance with the loan application, I was able to take advantage of a growing market and a growing business. Since that initial contact with him and with SBA’s loan assistance, my business has grown 10 times over!” Williams said.

“John has since directed me and even walked me through specific certifications I need for my type of business. He continues to inform me of seminars and new programs as they become available. John encourages me to continue the ‘good work’ and he is always there to answer any of my questions. I don’t know what I would have done had I not met John,” she said. “He’s been a blessing and he’s fun to talk to.”

Blue said it was a pleasure to help Williams develop and expand her business. “It has been a pleasure to work with Gayla for the past two years. Her work ethics are second to none. I believe her woman-owned, commercial painting business could be a model for other small construction companies,” he said. “We are now working to position her company for the future, by obtaining various state and federal certifications, such as a woman-owned, SBA HUBZone, and bonding capacity. This will prepare her to compete in the government contracting arena, which will open up more opportunities for growth.”

Some people are still not used to seeing a woman in a hard hat at a construction site, Williams said. But her reputation for quality work has made it easier to get the respect of others in the field. “I’ve been blessed,” she said. “I’ve also been grateful for the family and friends around me who keep pushing me and telling me ‘You can do it!’”

A Midwest City native, Williams said she loves the freedom of being an entrepreneur. “One of my greatest benefits is the satisfaction I get from setting and achieving my own goals and watching this achievement turn into financial independence.”

Williams has this advice to others who are thinking about going into business: “Before any decision is made to start a new business, you should educate yourself in all aspects of operating the business you intend to become involved in. If at all possible, you should take a small business course which is offered by most local junior colleges. Past that, you should make a considered commitment to involve yourself 24/7 in the growth and management of your enterprise. More importantly,” Williams said, “believe in yourself and surround yourself with those who believe in you also.”

Williams keeps up with the changing construction market and is constantly looking for ways to expand her business. Right now her work has grown beyond the Tulsa area. She works jobs in Muskogee, McAlester, Tahlequah, Vinita, and Stillwater. She also has completed jobs in Arkansas and Missouri.

Success Story…Hastings Steakhouse

 

In the spring of 2007, Scott and Stephanie Hastings took their first step toward the fulfillment of their vision and prayers. Scott had enjoyed a successful career as a Process Engineer for an automotive remanufacturing plant in Oklahoma City. And, Stephanie enjoyed being a stay-at-home mom, wife, and home schooling their four children. Life was very good, but soon to get much better.

After attending the Oklahoma Small Business financial seminar ‘How to Get Money for Your New Business’ in March, the couple began to work diligently on their business plan. Through several sessions with Larry Siebert, Business Advisor, the couple finalized their plan and took the first step in their journey.

The location was, as Stephanie described “Perfect!” But, their path was not an easy one…lots of opportunities to give-in and walk away. Even though their marketing plan, in depth menu research, and financial planning were extensive, it did not make up for what the bank wanted to see in equity. During this difficult period, the couple continued with their vision through their faith and began building relationships with the Oklahoma State University Extension, USDA and the Rural Development Office exploring every possible niche for their solutions.

In June of 2007 a major piece of the puzzle was finally put in place. An existing restaurant in Guthrie became available. Several revisions to their financial plan and a loan approval were the final ingredients that opened the doors to Hastings Steakhouse and a lasting relationship with the previous owner, the Executive Chef of Oklahoma State University.

The success of Scott and Stephanie’s vision has now gone beyond the steps of the beautiful Old English ambiance at Hastings Steakhouse. They are co-owners of a second established restaurant in Guthrie, Granny Had One.

Success Story…2010 Oklahoma Veteran Small Business Champion of the Year

 

Upon his retirement from the Armed Forces in 2002, Joseph Diaz decided to open his own business using the skills he developed during his military career. He founded AA Computer Services and the business grew quickly. In 2008 he sought the assistance of the Small Business Development Center in Lawton who helped him develop a business plan and qualify for an SBA Patriot Express Loan. However, because of the strength of his application, he was approved for a commercial loan.

Born in New York City, Joe attributes his success to the counseling and training he received from service organizations including the Lawton Chamber of Commerce and Industry. He has taken his small business through several expansions and takes pride in hiring the men and women who fight for our country and freedom – veterans, military family members and National Guard soldiers. As a member of the Lawton Chamber of Commerce & Industry Military Affairs Committee, Joe is involved in promoting business opportunities for veterans at the Ft. Sill Military Post and around the community. He is also an advocate for veteran issues as a member of the Comanche County Veterans Council, US Army Warrant Officers Association, Oklahoma National Guard Association, Military Sojourners and the Fort Sill Retiree Council.

Success Story…2010 Oklahoma Women in Business Champion of the Year

 

In 1989 Darcie Harris founded EWF International to help women grow their business by providing peer advisory groups, coaching and consulting in Oklahoma City. In 2005, Darcie was able to expand the concept to Tulsa and Denver with a new group beginning in Norman in 2010. As a business consultant, mentor, coach, and advocate for female business owners and executives, Darcie has helped countless women realize their professional dreams. She finds fulfillment of her own dreams by encouraging women to think big, pursue their passions and achieve their personal best.

Darcie has trained and worked with women business owners who continue to excel. The average increase in revenue for women entrepreneurs who participate in the advisory group forums is almost $278,500 and 93 percent of members report they have a better understanding of their company’s strategic indicators.

Recently Darcie shared her passion for female entrepreneurship by volunteering with the Institute for Economic Empowerment of Women (IEEW). In 2009 Darcie traveled to Rwanda as part of the IEEW team and presented a leadership training program to Rwandan female entrepreneurs, then visited each of the student’s businesses. In 2009 Darcie mentored a woman from Afghanistan who desired to become a business consultant to other women and she is currently mentoring another Afghani woman.

Women-Owned Business

If you are a woman-owned business in Oklahoma and are searching for support for different aspects of your business, the Oklahoma Small Business Development Center (OKSBDC) is the perfect place for receiving the help you need. Whether you are starting a new company, expanding the company you now own or need some guidance and direction for running your woman-owned business, OKSBDC can support you in reaching your goals. It may be that you need help with business licensing or financing, or perhaps you need guidance with tax related issues or legal structures. Regardless of the area of need or interest, OKSBDC will help aspiring women entrepreneurs to fulfill their potential.

Sole Proprietor, Partnership or Corporation

Perhaps you are the sole proprietor of your business or possibly you are in partnership with others. You might even be forming a corporation. With so many variations to consider, it’s best to know your options as well as the different legalities that pertain to your business. Since there are so many different types of legal structures that must be considered, it’s important for you to understand the specifics of your particular business. In addition, many women-owned businesses are home based businesses and require a different set of structures. Be assured that everything you need to know including human resources as well as any tax implications are offered.

Support for all Business Matters

With OKSBDC offices set up all over the state, you won’t have to go far to receive the help you need. In addition, our website provides answers to many questions that you may ask yourself as you begin your new venture. More importantly, if an in-person visit is critical to your needs, the advisors at OKSBDC are eager to support you in running a successful business. With that in mind, you can readily receive valuable support and assistance with all your business matters from business plan development to copyrights, financing and loan packaging, legal issues, management, marketing strategies, website development and so much more. We at OKSBDC are here to help you reach your goals.

General Guidelines for SBA Loans

An Original Article from SBA.gov

Basics

  • Loans of $5,000 – $5,000,000
  • Most businesses eligible except real estate investment properties (rent homes, apartments) but they can buy real estate for their business to operate
  • Provides guaranty to lenders of 50-85% (90% export)
  • Maximum guaranty – $3.75 million
  • Guaranty fee varies from 2-3.5% but can be taken as an Oklahoma tax credit
  • Interest rates vary and are set by lender with caps mandated by SBA

Eligible Use of Proceeds

  • Real Estate
  • Machinery & Equipment
  • Furniture & Fixtures
  • Inventory (except perishable products)
  • Accounts Receivable
  • Leasehold Improvements
  • Franchise Fees (not all eligible)

Take to the Lender (Start Up)

  • Business Plan
  • 3 years financial projections
  • 3 years tax returns for each owner of 20% or more

Key Factors to Evaluate for Approval

  • Cash Flow – Must support debt repayment
  • Management Ability – Education and experience in the industry
  • Credit – No score set by SBA, but everything needs to be current (bankruptcy may be okay if remote in time and reason beyond control of borrower)
  • Collateral – business assets first then personal real property
  • Equity Injection – Not required for existing business in most cases; new businesses SBA requires 10%, but lenders usually like 20% – possibly more or less depending on risk

Advantages of SBA vs. Commercial Loan

  • Can be under collateralized as long as all available collateral is pledged
  • Smaller equity injection
  • Longer loan Term
  • Technical Assistance (SCORE/SBDC/WBC)

Average turnaround time 3-5 days after lender submits to SBA

¿Deberíamos buscar un empleo o crearlo?

An Original Article from blog.univision.com

¿Deberíamos buscar un empleo o crearlo? ¿Tener un salario fijo o ponernos metas de cuánto aspiramos ganar? ¿Ser empleados o empleadores?

La portada del lunes 14 de Mayo de 2012 del periódico AM New York tiene la palabra en Inglés JOBS que significa trabajos en Español. Enmedio de la letra O está la imágen de un birrete de graduación.

Al darle vuelta a las páginas, el periódico explica la relación entre la cantidad de trabajos disponibles en los Estados Unidos y el número de graduados de diferentes carreras universitarias.

La esperanza de todo estudiante que termina la Universidad es encontrar un trabajo inmediatamente después de su graduación.

Las principales carreras universitarias que prometen un buen empleo en Estados Unidos y también en otros países son: Administración de Empresas, Finanzas, Ingeniería, Leyes y Medicina.

El tema de la disponibilidad de trabajos en Estados Unidos es noticia diaria y tema de discusión en diferentes ámbitos. El problema de la recuperación económica se refleja en los índices de empleo de las industrias que anteriormente eran prometedoras de trabajos para los egresados universitarios y ahora no ofrecen las mismas oportunidades.

Ante una crisis de empleo que no tiene apariencia por mejorar, surge la pregunta: ¿Deberíamos pensar ahora en crear nuestro empleo en vez de salir a buscarlo?

El desarrollo de algunas de las grandes industrias generadoras de empleo se llevó a cabo gracias a una persona o grupo de personas que en vez de buscar un trabajo, pensaron cómo crearlo. Posteriormente, algunas carreras universitarias se han establecido en base a la creación de nuevos puestos de trabajo diseñados por emprendedores creativos.

La tecnología es un gran ejemplo de innovación que ahora está creando empleos.

Aquellas personas que han inventado programas de internet, como Mark Elliot Zuckerberg creador de Facebook, llevaron a cabo sus inventos sin tener necesariamente una Maestria o Doctorado en su rama de trabajo ya que aún no existía estudio disponible para lo que ellos querian hacer y ellos lo crearon. Hoy día, emprendedores como Mark Zuckerber son dueños y administradores de empresas con ingresos millonarios.

Existen personas que dejaron la Universidad por dedicarse completamente a su negocio tal es el caso de Bill Gates, creador de Microsoft.

Ellos son ahora CEO o Jefes de grandes empresas con miles de trabajadores que buscan más empleados para expandir sus operaciones por la demanda que ahora tienen en su negocio.

Reflexionando sobre el tema, el objetivo de este artículo no es decir que la educación superior ya no es necesaria, el verdadero objetivo es pensar sobre la importancia del emprendedurismo y el apoyo a los negocios y al sector privado ya que forman parte de las herramientas básicas para mejorar economía, empleo y calidad de vida.

Sería bueno que ahora al pensar en la carrera universitaria que usted o sus hijos quieren estudiar, no sólo piense en la empresa, industria o lugar donde le gustaría trabajar sino también en las ideas propias que tiene al escoger ese campo de estudio para que también pueda soñar y explorar la posibilidad de crear no sólo su empleo sino tambien más empleos para más personas en el futuro.

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7 básicos para emprender tu negocio

An Original Article from cnnexpansion.com

Tener tu propia empresa requiere que tengas un plan trazado, aprende cómo hacerlo con los expertos.

¿Estás listo para abrir un negocio?

Es común escuchar que todos quieren emprender, pero en realidad pocos se convierten en empresarios. Esta decisión va a determinar tu estilo de vida en el futuro, expresa Esperanza Ricalde, directora institucional de la Red Incubadoras de la Universidad del Valle de México (UVM).

Algunas veces la gente asocia la palabra ’emprender’ con imágenes que no coinciden con la realidad. Para empezar, no hace falta ser ni joven ni necesariamente haber pasado por un gran entrenamiento académico. Lo necesario, “y eso sí es irremplazable, es tener una convicción” en lo que se quiere iniciar, dice Andy Freire, autor del libro Pasión por Emprender.

Una vez que se tiene el ‘coraje’ para asumir esa decisión, el siguiente paso es ubicar ¿por dónde empezar? Lo indispensable es tomar en cuenta tus intereses, lo que te gusta, detalla Ricalde.

Con información de Viridiana Mendoza Escamilla

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