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Business loan

Transcript: Tack Shack Owned by: Thomas Bliefenich For shipping I have decided on small trucks that will need maintenance monthly. For one quarter I will need $7,000 and per month I will need For shipping I have decided to go with small but reliable trucks that will need maintenance monthly. for each quarter I will need $8,500 dollars and for each month I will need $2,833.33. In this business I will be selling tack and I am asking for $323,000 for our loan. I decided to start off in idstrial Norfolk because my bussiness will mainly be shipping tack state-wide instead of receiving tack that i would sell in a store. I will be paying $5,000 per quarter. For each month I will need $1,666.66. I have decided to buy second-hand machinery because I do not need new machinery but I will need good machinery. In each quarter we will need $21,500 dollars for machinery, and we will need $7,166.66 per month. I have decided to get office supplies such as computers, fax machines, and paper. I have decided to go without the internet as I saw that it was unecessary. Over all im asking for a total of $5,000 per quarter and $1,666.66 for one month. I have decided to go with imported goods of basic quality. I have made this choice because all other choices were slightly too expensive for the budget I had. For one quarter I will need $25,000 and for one month I will need $8,333.33. For furnitutre and fixtures I have decided to go with recycled furniture, because as all other cuts I have made, I could not afford it for my budget. For one quarter I will need $2,000 and for one month I will need $666.66. For wages I have decided to go with $15,000 per a quarter and will I will hire people who have had some college experience. But for one month I will need $5,000. Thank you for your time and I hope you will consider giving my business a loan. If you have any queations please call me at (757)-867-5309.

BUSINESS PLAN PRESENTATION TEMPLATE

Transcript: NET PROFITS to make the children have fun while learning LET'S TALK ABOUT I make at least X10 on each of our investments. A summer school MOTHER-TONGUE TEACHERS Business @ GOBETTI-VOLTA PLAN NAME and address: Batnae municipium in Anthemusia conditum Macedonum manu priscorum ab Euphrate flumine brevi spatio disparatur, refertum mercatoribus opulentis, ubi annua sollemnitate prope An investor will have to check your competitive environment before investing. Do not hide it from competitors. SWOT WHO WE NAME: HAPPY KIDS Strapline: Happy Kids learn English in the summer Elevator Pitch: An innovative summer school for young children using the facilities of Gobetti-Volta, especially the new pool. Send letters,emails, texts to parents I MARKET I HAPPY Strengths: Need for an English summer school in the area Weaknesses: Recruiting expert mother-tongue teachers with innovative, dynamic, energetic teaching skills Opportunities: Possibility of using existing facilities Threats: Some outdoor activities could not be safe for young children ELIZABETH PAULS COMPETITION FINANCIAL Fees I SUMMARY I to set up a summer school of English for young children to use the facilities of Gobetti-Volta A summer school of English for young children ANALYSIS U.S.P summary ARE " I IRENE SIMPS PRODUCT MANAGER to adopt the "splash and speak" approach Batnae municipium in Anthemusia conditum Macedonum manu priscorum ab Euphrate flumine brevi spatio disparatur, refertum mercatoribus opulentis, ubi annua sollemnitate prope I for young children Arrange free open week at Gobetti-Volta, with prizes aims MARKETING HAPPY EVERY WEEK DAY I radio advertisements, local TV commercials 15% outdoor activities in English ELEVATOR Sponsors of children's items DEVELOPER STRATEGY Business I Competitor analysis: Humpty Dumpty school (Fiesole) Jack and Jill Summer school (Settignano) The Witch and the Wizard (Sorgane) happy kids I Enter here the history of your fundraising, what you plan to lift today, and under what conditions. I I KIDS 15% I EXPLAIN YOUR STRATEGY KIDS Batnae municipium in Anthemusia conditum Macedonum manu priscorum ab Euphrate flumine brevi spatio disparatur, refertum mercatoribus opulentis, ubi annua sollemnitate prope WELCOME OUR BUSINESS 70% Happy Kids @ Gobetti-Volta, Bagno a Ripoli during the summer Business RESEARCH MARKETING MANAGER NEEDS PITCH Leo SMITH Personal Savings H APPY KIDS LEARN ENGLISH YOUR FINANCIAL have fun and learn English I Great demand for English Residential area with lots of young children Few opportunities for parents to find interesting activities for children in summer Possibility of using Gobetti-Volta grounds and pool A minimum of 25 children paying fees for the various clubs, including : traditional tuition, fun&games, speak&splash, lunch & laughter. Other special treats in the pool: snakes &ladders , hide 'n seek, treasure hunt " TEMPLATE BY CONTENT BY JEREMIE BERREBI http://www.berrebi.org/2012/01/17/guide-how-to-present-your-startups-pitch-deck/ http://www.prezmaker.com

Business Presentation Template

Transcript: Key Takeaways and Future Actions Key Elements of Risk Management The presentation highlighted essential business concepts, market analysis, strategic planning, and the importance of risk management. Moving forward, we will implement the strategies discussed, monitor progress, and adjust our plans based on performance metrics and market feedback. Risk Assessment Risk Mitigation Strategies Ongoing Risk Monitoring Risk Identification Regular monitoring of risks and adjustments to strategies are essential to adapt to changing circumstances and ensure ongoing protection. Implementing strategies such as avoidance, mitigation, transfer, or acceptance helps to effectively manage identified risks. Identifying risks allows businesses to anticipate challenges and prepare accordingly, reducing potential impact. Evaluating the likelihood and potential impact of each risk enables prioritization, ensuring that the most critical risks are addressed first. membuat strategi yang tepat mengidentifikasi kekuatan dan kelemahan menentukan peluang dan ancaman Key Processes in Operations Performance Metrics Resource Allocation An operational plan outlines the specific processes necessary to achieve the company's goals. It details the daily operations that are crucial for the functioning of the business and ensures alignment with the overall strategy. Performance metrics are crucial for assessing the efficiency and effectiveness of operational processes. These metrics provide insights into areas for improvement and help in decision-making. Effective resource allocation involves distributing resources such as time, personnel, and finances efficiently to support operational activities. This ensures that all departments have what they need to succeed without waste. menganalisis peluang dan ancaman eksternal untuk mengantisipasi perubahan pasar dan membuat keputusan strategis memahami kekuatan dan kelemahan internal perusahaan untuk meningkatkan keunggulan kompetitif menggunakan hasil analisis untuk membuat strategi yang efektif dan meningkatkan kinerja perusahaan Operational Plan Insights pengaruh analisis lingkungan bisnis Digital Marketing Strategies Traditional Marketing Methods pengaruh analisis lingkungan bisnis analisis lingkungan bisnis sangat penting bagi kesuksesan perusahaan karena membantu mengidentifikasi kekuatan dan kelemahan internal,serta peluang dan ancaman eksternal. dengan demikian,perusahaan dapat membuat strategi yang tepat untuk meningkatkan kinerja dan mencapai tujuan. Digital marketing encompasses online strategies including social media, email campaigns, and content marketing. It allows for targeted campaigns, real-time analytics, and lower costs, making it easier to adjust strategies based on performance. However, it requires tech-savvy skills and can be highly competitive. Traditional marketing involves conventional methods such as print ads, television commercials, and direct mail. These strategies can reach a broad audience and often establish strong brand recognition over time. However, they may lack precise targeting and measurable results. Five-Year Financial Projections A roadmap of anticipated financial performance for strategic planning and investment decisions. pengtingnya analisis lingkungan bisnis Year 3 Year 4 Year 1 Profitability milestones achieved with stable revenue streams and controlled operational expenses. Expansion into new markets leading to significant revenue increases and higher investment opportunities. Initial revenue generation with modest growth, focusing on market entry and brand awareness. Year 2 Year 5 Increased revenue growth driven by enhanced marketing efforts and customer acquisition strategies. Establishment as a market leader with robust profit margins and sustainable growth strategies. meningkatkan kesadaran akan perubahan meningkatkan keunggulan kompetitif mengembangkan strategi yang efektif memantau perubahan lingkungan bisnis untuk mengantisipasi risiko dan peluang menggunakan hasil analisis untuk meningkatkan keunggulan kompetitif dan memenangkan persaingan membuat strategi yang tepat untuk meningkatkan kinerja dan mencapai tujuan perusahaan kelompok 1: XI BD1 pengaruh dan pentingnya analisis lingkungan bisnis

Business Loan

Transcript: Definition The semi-annual interest payment A business loan is borrowed capital that companies apply toward expenses that they are unable to pay for themselves. Journal entries The Business Development Bank of Canada Made by Jacky https://www.bdc.ca/en/pages/home.aspx If my company borrows $100,000 at a 5% interest rate from BDC Businesses require enough capital to fund start-up expenses or pay for expansions. As such, companies take out business loans to gain the financial assistance they need. Disadvantages of the business loan Flexible repayment terms to protect your cash flow 1. Longer amortization periods 2. The option to postpone capital payments at the start of the loan 3. Match payments to the seasonal or progressive cash flow pattern of your business 4. Make a 15% annual prepayment at any time without penalty Peace of mind 1. Stable terms and conditions that don't change without due cause You may not be granted all of the money you requested Time to maturity Repayment Schedule Interest Security 100,000*0.05*6/12 What is Business Loan??? Not all businesses will qualify for a loan 2500/20 Characteristics and Mechanics of Business Loan Advantages of the business loan “LOANS.” Reference for Business, www.referenceforbusiness.com/small/Inc-Mail/Loans.html. “Small Business Loans - Apply Online for up to $100,000.” BDC, www.bdc.ca/en/financing/business-loans/pages/small-business-loan.aspx?ref=50k-eligibility. “What Are the Advantages And Disadvantages of Business Loans?” Business Articles, 17 Feb. 2019, www.businessarticleshub.com/what-are-the-advantages-and-disadvantages-of-business-loans/. Reference Discount Where the funding can be obtained

Loan Presentation

Transcript: WHEn HOW Understanding YOur LOans Congresswoman Jayapal's Office WHY What is a loan? Federal Direct loan program (unsubsidized/subsidized stafford) Federal Perkins Loan GRant Vs. Loan GRant Vs. Loan Grants Loans Must pay back Free money! Subsidized: loans you don't pay interest until after 6 months of graduating Unsubsidized: must pay interest; responsible for interest even while in school Federal Family Education Loan (FFEL): were loans offered by private lenders but is now under the umbrella of Direct Loan program provided by the Dept of Ed. Parent PLUS Loan: Parents of dependent child can take this loan out. Direct Loan Program Direct Loan Program Federal student loan, made by the recipient's school, for undergraduate and graduate students who demonstrate financial need. Federal Perkins Loans Federal Perkins Loans Loan Companies who are in charge of collecting your loan payments Loan Servicers CornerStone FedLoan Servicing (PHEAA) Granite State-GSMR Great Lakes Educational Loan Services, Inc HESC/Edfinancial MOHELA Navient Nelnet OSLA Servicing List of Loan Servicers List of Loan Servicers If you don't know who your Loan Servicer is visit: https://studentaid.ed.gov/sa/?log-in Interest Rates Interest RAtes Rates vary depending on the date of your first disbursement Once you've taken out a loan, rates are fixed for the lifetime of the loan RAtes for Direct Loan Program RAtes for Direct Loan Program *Perkins Loans (regardless of the first disbursement date) have a fixed interest rate of 5%. Loan FEes Loan FEes This is deducted proportionately from each loan disbursement you receive; money you receive will be less than the amount you actually borrow. You're responsible for repaying the entire amount you borrowed and not just the amount you received. IDEAS Steps to take While in COllege Step 1: Borrow only what you need Your school might approve more loan funds than you actually need, so only borrow what is necessary. If you take out more than what you need, return the extra money. If you return the money within 120 days of disbursement, It will process as a Borrower Cancellation Payment. Keep in mind that you must complete an Entrance Counseling before receiving your loan. Step 1: Borrow only what you need STep 2: Create an account with your loan servicer Loan servicer handles billing Its important to get familar with their payment process STep 2: Create an account with your loan servicer Step 3: Exit Counseling Must complete Provides information you need to help you prepare for repayment Check with your school to find out how they want you to complete exit counseling; requirements vary. Step 3: Exit Counseling Steps to take After College Step 1: Know when to start Payments Loans have an approximately 6 month grace period after graduation. PLUS loans don't have grace periods. Once the loans are fully disbursed, payments must start. For Perkins loans grace periods vary; check with your school Step 1: Know when to start Payments step 2: CHoose a repayment plan Different repayment plans are available if you feel you may not be able to afford your monthly payment. Use a repayment estimator to determine which plan best suits you step 2: CHoose a repayment plan STep 3: COnsider loan consolidation This allows you to combine multiple federal loans into one loan Only one single monthly payment instead of multiple Can also give you access to additional loan repayment plans and forgiveness programs STep 3: COnsider loan consolidation REpayment Plans REpayment Plans Pay As You Earn (PAYE) Right for you if you have a sizeable amount of student loan debt, are unsure if you can afford your monthly payments, or have little to no income Payment amounts based on your income and family size; usually 10% Payments made for up to 20 years; can ask for loan forgiveness after Pay As You Earn (PAYE) Income Based Repayment Right for you if you have little to no income, mounds of student loan debt, or you're stressed about the affordability of your monthly payments Monthly payments as low as $0 per month Payments are generally 15% of your discretionary income (10% for new borrowers*) Payments are made for up to 25 years Income Based Repayment Income-Contingent Repayment Right for you if you are worried about your monthly payments and need some flexibility based on your financial situation. Payment amounts based on your income, family size, and loan debt Payments are generally adjusted based on your income using the lesser of: 20% of your discretionary income The amount you would pay under a fixed repayment plan over 12 years. Payments are made for up to 25 years Income-Contingent Repayment GRaduate Repayment Plans Right for you if you may be able to afford higher payments in the future, but a smaller monthly payment would be helpful now Quickest payoff Maximum repayment term of 10 years for unconsolidated loans, and up to 30 years for consolidated loans Lower monthly payments that increase over time; increase every 2 years throughout the

Business Loan

Transcript: BUSINESS LOANS Introduction Introduction Businesses often require additional funds to meet their financial requirements, whether it is to start a new business, expand an existing one, or cover operational expenses. A business loan is a type of financing option that can help businesses meet their funding needs. Business loans can provide access to working capital, equipment financing, or funds for expansion plans. There are several types of business loans available in the market, each designed to meet different financing needs, including working capital loans, term loans, equipment financing, line of credit, and invoice financing. The eligibility criteria for business loans may include business vintage, annual turnover, and credit score, among others. The required documents for business loans typically include business financial statements, tax returns, bank statements, and business plans, among others. Obtaining a business loan can offer several benefits, such as improved cash flow, increased revenue, and the ability to take advantage of business opportunities. Types Working Capital Loans Term Loans Equipment Financing Line of Credit Invoice Financing Types Working Capital Loans Working Capital Loans This type of loan provides businesses with the funds needed to cover their short-term operational expenses, such as paying salaries, purchasing inventory, and managing cash flow. Term Loans These are long-term loans that can be used for capital investments, such as purchasing equipment or expanding a business. They typically have a fixed interest rate and repayment term. Term Loans Equiptment Financing Equiptment Financing This type of loan is specifically designed to help businesses purchase equipment or machinery necessary for their operations. The loan amount and repayment terms depend on the type and value of equipment being financed. Line of Credit This is a flexible financing option that provides businesses with access to a predetermined amount of funds that can be used as needed. Businesses only pay interest on the amount they use, making it an ideal option for businesses with unpredictable cash flow. Line of Credit Invoice Financing This type of loan allows businesses to borrow against their unpaid invoices, providing them with immediate access to cash flow. The loan amount and repayment terms depend on the value of the unpaid invoices. Invoice Financing Eligibilty Criteria & Documents Eligibilty Criteria, Documents & Benifits Eligibilty Business Vintage: Lenders may require that the business has been in operation for a certain number of years before it can apply for a loan. This can vary depending on the lender and type of loan. Annual Turnover: Lenders may require that the business has a minimum annual turnover to qualify for a loan. This ensures that the business has a stable revenue stream to repay the loan. Credit Score: Lenders typically look at the business owner's credit score, as well as the business's credit score, to determine if they qualify for a loan. A higher credit score demonstrates that the business is reliable and can repay the loan on time. Collateral: Some lenders may require collateral to secure the loan, such as property or assets. This provides the lender with security in case the business is unable to repay the loan. Business Plan: Lenders may require a comprehensive business plan outlining the business's goals, operations, and financial projections. This helps lenders evaluate the business's ability to repay the loan. Eligibility Documents Documents Business Financial Statements: This includes balance sheets, profit and loss statements, and cash flow statements, which provide a clear picture of the business's financial health. Tax Returns: Lenders may require business tax returns for the past two to three years to evaluate the business's tax compliance and revenue stability. Bank Statements: Lenders may request the business's bank statements for the past six to twelve months to assess the business's cash flow and account activity. Business Plan: A comprehensive business plan outlining the business's goals, operations, and financial projections may be required to evaluate the business's ability to repay the loan. Legal Documents: Lenders may require legal documents such as business licenses, contracts, and permits to verify the business's legal compliance. Collateral Documents: If the lender requires collateral to secure the loan, the documents related to the collateral, such as property deeds or vehicle titles, may be required. Benefits Benefits Improved Cash Flow: Business loans can provide access to the necessary funds to cover operational expenses, pay suppliers, or invest in inventory. This can improve the business's cash flow and reduce the stress of managing day-to-day expenses. Expansion Opportunities: With access to additional funds, businesses can take advantage of opportunities to expand, such as opening new locations, launching new products or services, or hiring How

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