[nabentre] Small Business Financing Options

[ncbootman at gmail.com]

Sarah,

Never accept the comments of one person as fact. This is the experience 
Cheryl has had. Your network and contacts will be totally different. Your 
drive and zeal will be different. Your product/service will be different. 
Each and every business is different. What works for one won't work for all. 
Always keep your mind focused on that idea that it only takes one yes to 
push you on your way. It may feel like you're searching for a needle in a 
haystack. But, you only have to find one. If no one has the power to stop 
you without good reason, you can succeed. Good luck and keep us posted.

NCBootMan

-----Original Message----- 
From: Cheryl Echevarria via nabentre
Sent: Saturday, July 25, 2015 11:04 AM
To: 'NAB Entrepreneurs Mailing List'
Cc: Cheryl Echevarria
Subject: Re: [nabentre] Small Business Financing Options

Sarah:

Try Credit Unions, etc. They will not give anyone lines of credit unless you
have been in business for at least 2 years. Starts up are risky and 9 out of
10 times they will not give you anything.

You also need to have collateral - House or something that is worth the
amount of a small business loan.

I have been through this before as a woman, who is disabled that owns her
own business.

I started little by little, got the training on my business, I do have a
business background from college.

I also do not have much overhead  since my business is from home. I am able
to do   talk to clients on the phone, through skype, and visit my clients
locally in my community, but we have clients all across the country  as
well.

Grants are out there but they are hard to come by.

Small Business Administration is always looking to help especially woman and
those with disabilities, because there is x amount of money to be found  for
our demographics. But you will need help finding it. SBA will also help with
a marketing plan, which you need way before you even think of opening any
kind of business.

You should have a 5 year plan as a start.

If you need any help, I might be able to help you, but NY is definitely
different than CA.

Good luck.


Cheryl & Nelson Echevarria
We make getting there as easy as being there!
http://www.echevarriatravel.com
reservations at echevarriatravel.com
631-456-5394

We specialize in Romance and Family Travel for clients throughout the US,
Canada and Puerto Rico. Destination Travel Experts in the U.S. Virgin
Islands, Caribbean, Mexico, and parts of Europe

Echevarria Travel has been nominated since 2012 as Best of Long Island
Travel Agent through the Long Island Press. Cheryl Echevarria has also been
awarded by Fortune 52 in March 2012 as a woman owned business , who makes a
difference in the Long Island Community, and 2012 NY State Disabled
Entrepreneur of the Year by Governor Andrew Cuomo.

Please call or email to set up a 20 minute consultation.

Remember, we build our business on referrals. Please pass our details on to
friends and family members that deserve the best vacation that they can
imagine.

We also offer dedicated services for the legally blind traveler. Cheryl
Echevarria has been legally blind since 2001 from complications from
diabetes, we are able to assist those who are low vision to totally blind.



-----Original Message-----
From: nabentre [mailto:nabentre-bounces at nfbnet.org] On Behalf Of Sarah Clark
via nabentre
Sent: Saturday, July 25, 2015 10:17 AM
To: nabentre at nfbnet.org
Cc: Sarah Clark <sarah at sarahaclark.com>
Subject: [nabentre] Small Business Financing Options

Hello,
I'm looking for financing resources for small businesses. Does anyone know
of any sources for low-interest loans for women and/or people with
disabilities (blindness) who are starting a business? (We have excellent
credit.) Also, in case it makes a difference, I am in Southern California.
Thanks,
Sarah


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