[nabentre] Small Business Financing Options

Sat Jul 25 16:03:38 UTC 2015

Yes, every business is different. I have also gone through the SBA, and they
will always ask for a Marketing Plan. They will help you write one. Also see
in CA, if your state commission for the blind will help you with the
business, the NY State Commission for the Blind will help in this area, they
will need receipts etc, they do not give loans of credit, but they do offer
up to $15000.00 once to help with marketing, and other business expense this
a 1 time service which they keep a close track of, whether it takes 1 year
to use or 5 years they might be able to help you. I didn't take advantage of
this. 

Yes, each person, each state, each business is different. I am proud to be a
woman who is an entrepreneur and have been recognized in working in my
community, as well as in other countries with my business and also with
being with the NFB.

But I was only trying to give you advice from one woman owned business to
possibly another woman owned business.

Yes Woman are still considered a minority, even though there are woman who
are CEO, COO, etc of huge corporations, but we are still the minority.

Cheryl Echevarria, President
National Federation of the Blind's Travel and Tourism Division
A proud division of the 
NATIONAL FEDERATION OF THE BLIND - "Live the life you want"
www.nfbtravel.org
To join the talk list
http://www.nfbnet.org/mailman/listinfo/travelandtourism_nfbnet.org
631-236-5138
cherylandmaxx at hotmail.com

The National Federation of the Blind knows that blindness is not the
characteristic that defines you or your future. Every day we raise the
expectations of blind people, because low expectations create obstacles
between blind people and our dreams. You can have the life you want;
blindness is not what holds you back.

Cheryl Echevarria 
Travel is our specialty and offering the best of meaningful travel for all
ages is our passion!
http://www.echevarriatravel.com
reservations at echevarriatravel.com
631-456-5394

Visit my website to get my FREE report, "Top 5 Good Reasons to Use a Travel
Professional"

I build my business on referrals. Please pass my details on to friends and
family members that deserve the best vacation that they can imagine

P.S. - Families of all sizes is my specialty. Whether you are just starting
out and looking for that romantic destination for your destination wedding
or honeymoon. Booking that planned family vacation to Walt Disney World or
that bucket list trip that Grandma  & Grandpa are planning for the family, I
would love to help you. 

We have partnered with Braille Smith. www.braillesmith.com for all her
braille needs.  Gail Smith is the Secretary of the NFB of Alabama

-----Original Message-----
From: nabentre [mailto:nabentre-bounces at nfbnet.org] On Behalf Of
ncbootman--- via nabentre
Sent: Saturday, July 25, 2015 11:55 AM
To: NAB Entrepreneurs Mailing List <nabentre at nfbnet.org>
Cc: ncbootman at gmail.com
Subject: Re: [nabentre] Small Business Financing Options

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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