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highplains123 · 1 year

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Farmer's Enterprise Network's Primary Logo

That’s why we make our agricultural loan choices locally so we are able to get you get the answers you need precisely whenever you need them. Seasonality can create a short-term want for extra working capital. Secure a revolving line of credit in your farm so your operations never breakdown. City Bank has a long and proud history of providing area farmers with competitive finance options1 and handy compensation phrases customized to individual wants. Let our specialists present options to fund working bills and enhance liquidity with secured and unsecured lines of credit score. In addition to our agricultural loan products, we additionally work with businesses to permit for specialty loan products to assist you with your small business.

Article Managing your organization's cash circulate A easy flow of funds is necessary for thriving enterprise. Use this tool to help determine how much you have to save to meet your retirement savings goal. Construction loans are available with quite lots of price options and compensation schedules and are tailor-made to meet your expansion needs. Operating loans could be capital for the acquisition of such things as fertilizer, chemical compounds, seed, equipment, livestock and for personal living expenses.

Loan phrases and reimbursement schedules are matched to the loan purpose and the earnings cycle of the borrower. Investopedia requires writers to make use of primary sources to support their work. These include white papers, government information, unique reporting, and interviews with industry specialists agricultural loans. We also reference authentic research from different respected publishers where applicable. You can be taught more concerning the standards we follow in producing accurate, unbiased content material in oureditorial policy.

Also, what is occurring contained in the household is simply as essential as your business needs. Expenses similar to meals, clothing, mortgage or rent, insurance, taxes, medical prices, credit card funds, education bills ag loans, and different consumer debt are part of the farm plan calculations. We are dedicated to delivering USDA services to America’s farmers and ranchers whereas taking safety measures in response to the pandemic. Many USDA Service Centers are open for visitors, however some may remain open by appointment solely.

Farm equipment is pricey, but it’s essential to run the farm. Business Financing options together with business loans, lines of credit, and SBA loans that will help you achieve your short-term and long-term objectives. Land Loans Oklahoma’s farmers, ranchers and rural owners deserve aggressive interest rates and flexible terms. You can submit a request to the lender that's servicing the loan together with a accomplished Loan Forgiveness Application. The request will embody paperwork that confirm the number of full-time equivalent staff and pay charges, in addition to the funds on eligible mortgage, lease, and utility obligations. You must certify that the paperwork are true and that you just used the forgiveness amount to maintain employees and make eligible mortgage interest, rent, and utility payments.

We provide a comprehensive offering of agricultural insurance products with specialized brokers offering extremely personalized service. Yes, Magnifi Financial offers further protection for members to add on to their loans in the agricultural land loans occasion that one thing unexpected occurs. When making use of for an ag loan, you may must fill out a personal monetary statement form.

Currently, 85% of the demand for financing from smallholder famers is unmet—financial establishments and worth chain actors are lending solely $30 billion to a sector in need of greater than $200 billion. Few smallholder farmers and rural entrepreneurs have entry to loans, often because native monetary institutions have no idea tips on how to serve these specialized needs. We started in rural farming and ranching communities, rising our Bank proper alongside our clients. Being one of the largest agricultural lenders in Texas is an efficient indication of our expertise in the subject. First United Bank’s staff of dedicated, community-oriented professionals bring a broad vary of backgrounds in agricultural loans, farm loans, ranch loans and livestock loans.

The National Council of State Agricultural Finance Programs lists the agricultural loan applications for each state. Bravera Bank strives to offer a no-nonsense approach with tailor-made options for farmers and ranchers that make financing straight ahead and convenient. We provide agricultural lending companies with competitive charges, long-term mounted real property options and loans for beginning farmers to be able to assist an operation transition from one generation to the following. As one of the top agricultural lenders in the area, City Bank understands and supports your unique agricultural needs over the long run. We offer a staff of lending officers with personal information of the local farming neighborhood and intensive experience in structuring loansfor a variety of agricultural pursuits. Our agricultural loans give you the means to finance land, gear or basic operating expenses related to ranching and farming.

#loans & leasing

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iplook-networks · 2 years

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Interview with the 1st AWS Certified Solutions Architect — Associate in IPLOOK

Congratulations to the first AWS Certified Solutions Architect - Associate in IPLOOK! Max Guo, Technical Support Engineer, is qualified for designing resilient, high-performing and cost-optimized cloud network architectures. In this interview, Max shares what he prepared for receiving the certification of AWS SAA and how he believes AWS cloud’s strengths lie in the telecom market for telcos.

Q: Could you please introduce your job in IPLOOK?

Max: My role in IPLOOK is a technical engineer of the Global Technical Service Department. We provide professional service and managed service to customers, including technical solutions, implementation, maintenance, and technical training.

Q: Do you have any projects or experiences with AWS cloud platform?

Max: IPLOOK’s core network can be deployed on AWS perfectly. Therefore, even though I have more project experience on X86 server than AWS Cloud, I have opportunities to study a lot of core network practices on cloud platforms and do experiments.

Q: What’s your purpose or motivation for AWS Certified Solutions Architect? What enhancement do you think this recognition will have on your capability and work?

Max: As a technical engineer, it is necessary to understand the latest technologies. Furthermore, cloud computing technology can fit well with our core network products. Personally, I am also interested in learning cloud computing. These factors motivate me to take the AWS SAA certification. This recognition proves that I can undertake related cloud network deployment. During the preparation, I learnt the principles, applications, and extensions of cloud computing, which enable me to provide better technical services for customers with cloud platforms in the future.

Q: How can you receive the certification? Is that difficult for a core network engineer?

Max: That’s easy for me! The exam mainly covers high-performance computing, networking, storage, security, and best practices on the cloud platform. To receive the certification, I list following steps for your reference: Step 1: Create your own AWS account, so you can enjoy its free package of 700 hours per month. It contains more than enough services for the usual experiments. Step 2: Explore resources on the internet, and follow the guide for practical exercises, which will make you more impressed. Step 3: Do simulated exams to test your learning results and get ready for the exam! The knowledge you gained from this process is the most dazzling badge.

Q: As we know there are some companies are providing 4G or 5G core networks on cloud. What's your opinion on that?

Max: Actually, 5G carries the gene of cloud computing from its inception. The SBA architecture allows the 5G core network (5GC) to focus more on the services. Speaking of services, we must figure out one of the most important concepts of cloud computing - software as a service (SAAS). The core network is essentially a software service, and cloud computing or traditional servers are just a way to implement the service. From market perspective, we will tend to choose the option that creates more values. Compared to traditional servers, cloud core network has following advantages: 1. Lower CAPEX and reduce time-to-market: · Deploy cost-effective core networks with the pay-as-you-go model · Achieve on-demand replication · Enhance the resource utilization · Reduce the cost of O&M with the cloud hosting model 2. High reliability: Multiple backups provide up to 99.99999999999% reliability 3. High performance: Large bandwidth, low packet loss, low latency (end-to-end latency <20ms in most regions). 4. High security: Cloud platform has richer security measures and stronger encryption capabilities.

Q: How to combine IPLOOK’s core network with AWS cloud platform? What will the combination bring to customers?

Max: There are excellent cases in the industry where the combination of core network and cloud platform has been used. IPLOOK’s core network elements have been tested and validated on all major cloud platforms. We can provide carrier-grade core networks on cloud. Depending on the customer's requirements we can deploy the core network control plane on the cloud, and sink the data plane to the customer's local area. This architecture ensures a cost-saving solution for low latency user experience.

Q: As for deploying core network based on AWS cloud services. What aspects do you think can be improved for cloud-network convergence, to better meet both the commercial and technical demand from telcos?

Max: Deploying IPLOOK 5G core on AWS offers a simplified and faster 5G network deployment at a lower cost. To better satisfy customers' needs, two main aspects should be noticed in the future: · Enhance the network capabilities, especially the capability of network elements in the data plane to forward data in core network. · Enhance the unified operations and maintenance between cloud platform and local network. Regarding the cost caused by massive data transfer out for cloud network deployment, we hope that AWS will optimize the pricing policy in the future.

Q: If AWS is not a good choice for small FWA providers, why do big operators choose AWS?

Max: Well. The big MNOs can choose different solutions on AWS. For example, DISH in the US is using Outpost for 5G core network. The AWS Outpost integrated virtualized computing, networking, security and orchestration. That’s excellent! Between different sites we can use AWS Wavelength as DCI. The data throughput between core network and eNodeB/gNodeB could be carried by local optical or microwave transportation networks. I hope we can deploy IPLOOK’s core network with AWS Outpost for customers soon.

#IPLOOK #AWS #corenetwork #mobile core network #core network #recognition #certification #solution architect #telecom #telecommunications

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cocolevioaustin · 2 years

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What is the minority-owned business certification cost in Texas USA

A minority business enterprise: what is it? Any company that is at least 51% owned and operated by a person who is also at least 25% of African American, Asian American, Pacific Islander, Latino, Hispanic, or Native American ancestry is considered a minority business enterprise.

Additionally, it must be a for-profit business with a physical presence in the United States or one of its territories. The organization's day-to-day management and operations must also involve the minority owners.

What Motivates Minority Business Enterprise Certification? There are many reasons why you would wish to think about getting an MBE certification. You can benefit from them if you get one, also the minority-owned business certification cost is very low you can get it easily whosoever is eligible for it.

Build a Larger Network You can collaborate with other minority-owned companies and take advantage of partnership and joint-venture opportunities. You may take your company to the next level by doing this.

Enhance Your Skills and Knowledge You understand the value of information as a small business owner. You are eligible to take part in technical training and mentorship programs as an MBE in professional development initiatives.

Federal Land Contracts A certification can enable you to compete for contracts because government organizations are required to award MBEs a specified number of contracts. This may result in fresh, rewarding opportunities.

Safe Financing There are numerous initiatives aimed at providing funding support for MBEs. Grants and company loans may be available to you, giving you the funding you need to be successful.

How to Obtain a Minority Business Enterprise Certification There are numerous ways to get an MBE certified. You might want to think about the most popular programs, which include:

The Council for the Development of National Minority Suppliers (NMSDC) State and local initiatives run by the Small Business Administration (SBA)

You must submit a number of documents to be considered for certification, including:

Constitutional documents ownership contracts Bylaws evidence of each owner's U.S. citizenship evidence of broad liability coverage Security deeds or lease agreements copies of each owner's principals' driving records, resumes, and licenses void commercial checks

Become a certified minority-owned business, in summary.

There is no reason not to apply for certification as a recognized minority-owned business if you match the requirements. You have nothing to lose because the application process is simple and the cost is reasonable. You can benefit from a variety of benefits and position your company for unrivaled levels of success by becoming certified. Cocolevio is one of the best companies which helps to get minority-owned business certification in the USA at a low cost.

#minority-owned business certification cost #minority owned business certification texas

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ameliajuliet147 · 2 years

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Veteran Owned Business Certification

A Veteran owned business certification gives you extra marketing tools and may give you an advantage in some contract bidding if you are selling to the government or to large corporations who do business with the government. The federal government is compelled to acquire a specific amount of goods and services from small businesses and companies with a majority of people of colour or other disadvantaged groups each year.

Sometimes the government uses bid preferences to accomplish its objectives. In a bid preference, if a certified company and a non-certified firm each made an offer of $100,000, the certified preferred company's bid might be seen as being worth $95,000, making it the successful bid.

In other situations, the procuring agent can decide that only a specific group of companies might submit a bid for a specific contract. A "put aside" solicitation is what we are talking about here. In the set apart scenario, a procurement officer may choose to only invite a minority or preferred class of businesses to participate in the bidding process. Any company wishing to submit a bid on the project must possess the necessary certification. This setting has a constraint in that the bid may need to be reissued and opened to a larger group if there aren't at least two enterprises of this classification bidding. A procurement officer may be able to defend a sole-source contract in some circumstances, but that is the exception, not the rule.What are the types of Veterans owned business certifications available?

Currently, the federal Veteran owned business certifications and the agencies that confirm them are:

Service-disabled veteran-owned small business, according to the Small Business Administration. A certification verification process is necessary for SBA 8a SDVOSBs. Only Veterans who are service-connected handicapped Veterans may submit an application for the certified SBA's 8a SDVOSB.

Small Business Run by Veterans. The company owner certifies this status on the System for Award Management (SAM) website by self-certifying.

Small Business Run by Service-Disabled Veterans. The company owner certifies this status on the SAM website by themselves.

Veteran Owned Small Business, Certified Veteran Enterprise (CVE) of the Veteran Administration (VA). The Vets First programme of the VA makes extensive use of the VA CVE. It does not replace the SBA 8a certification..

#veteran #business #veteranbusiness #certification #veterancertification

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crazyconnoisseurlight · 3 years

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STRONG BRAND WILL HELP YOUR BUSINESS STAND OUT FROM COMPETITORS

You have found the perfect business idea, and now you are ready to take the next step. There is more to starting a business than just registering it with the state. We have put together this simple guide to starting your financial consulting firm. These steps will ensure that your new business is well planned out, registered properly, and legally compliant.

STEP 1: Plan your business

A clear plan is essential for success as an entrepreneur. It will help you map out the specifics of your business and discover some unknowns. A few important topics to consider are:

What are the startup and ongoing costs?

Who is your target market?

How much can you charge customers?

What will you name your business?

What are the costs involved in opening a financial consulting firm?

The costs of opening this business are somewhat deceptive. Once you have the appropriate license, there is virtually no cost to opening this business: many financial planners start out working from home and meet clients at their place of work, their homes, or other venues. On the other hand, a four-year degree is mandatory for most certifications, and that has an average cost of $40,000 for the degree alone (for in-state, public colleges). If your college coursework was not already Board-certified, then you may spend between $1,000 and $4,000 to take additional classes for a certification like the CFP, and an additional $595 to take the exam. Because of its importance, many people opt to take review classes or buy review materials, and this cost can range from $400 to $1400. After passing, you need to work full-time in a relevant field before you can meet the experience requirement of the CFP. Thus, while the costs of opening the actual consulting business is almost nothing, the education and certification required can easily be $90,000 or more, and there is the significant time investment working for someone else before you can work for yourself.

What are the ongoing expenses for a financial consulting firm?

If you work from home, then your ongoing expenses for this position are virtually non-existent. Most of your actual financial planning is conducted via the computer that you already have, and you do not need to pay for expensive overhead or utilities. Your most regular fees will be the gasoline cost of meeting with clients and the cost of meetings such as business lunches, both of which are potential tax write-offs for you.

Who is the target market?

Younger clients, such as those who are completing college degrees and/or coming into their inheritances, may be curious about financial planning for the first time. They are more likely to be open-minded about the advice you give and, if they like the results you deliver, may actually become lifelong clients.

How does a financial consulting firm make money?

Two ways that financial consultants make money are to take a percentage of the sales charge (basically, a commission) made by the client when they invest and to receive a “trail” from some of the operating expenses of an investment such as a mutual fund. Other consultants are paid by certain fees they charge clients, and some consultants become fee-only advisors.

How much can you charge customers?

How much you charge clients depends on your payment model. If you are being paid via fees, then it is reasonable to charge them between .75% to 2% of the collective assets that you manage. Commission costs have a greater range, ranging from 1% to 8.5%. With both fees and commissions, you typically charge lower percentages for higher amounts on transactions. It should be noted that many clients, firms, and consultants have become wary of commission-based models, as there is always the possibility of an advisor encouraging and investment that is good in the short term for the advisor but not in the long term for the client.

How much profit can a financial consulting firm make?

The Bureau of Labor Statistics estimates that the median pay of this job is over $90,000 a year. Your actual profit may be higher or lower based on your payment model and number of clients.

How can you make your business more profitable?

Make sure that you are reading relevant trade publications and other sources that let you keep your finger on the pulse of industry changes. Make sure that you show genuine interest in the lives of your clients whenever you speak—this makes their time with you feel more like a valued relationship. Finally, always volunteer with professional organizations when you have the time—it's great networking, great PR, and a great learning opportunity.

What will you name your business?

Choosing the right name is important and challenging. If you don’t already have a name in mind, visit our How to Name a Business guide or get help brainstorming a name with our Financial Consulting Firm Name Generator If you operate a sole proprietorship, you might want to operate under a business name other than your own name. Visit our DBA guide to learn more. When registering a business name, we recommend researching your business name by checking:

Your state's business records

Federal and state trademark records

Social media platforms

Web domain availability.

It's very important to secure your domain name before someone else does.

STEP 3: Register for taxes

You will need to register for a variety of state and federal taxes before you can open for business. In order to register for taxes you will need to apply for an EIN. It's really easy and free!

The Truic Flame Logo

You can acquire your EIN for free through the IRS website, via fax, or by mail. If you would like to learn more about EINs and how they can benefit your LLC, read our article, What is an EIN?. Learn how to get an EIN in our What is an EIN guide or find your existing EIN using our EIN lookup guide.

Small Business Taxes

Depending on which business structure you choose, you might have different options for how your business will be taxed. For example, some LLCs could benefit from being taxed as an S corporation (S corp).

You can learn more about small business taxes in these guides:

LLC Taxes

Sole Proprietorship vs LLC

LLC vs Corporation

LLC vs S Corp

How to Start an S Corp

There are specific state taxes that might apply to your business. Learn more about state sales tax and franchise taxes in our state sales tax guides.

STEP 4: Open a business bank account & credit card

Using dedicated business banking and credit accounts is essential for personal asset protection. When your personal and business accounts are mixed, your personal assets (your home, car, and other valuables) are at risk in the event your business is sued. In business law, this is referred to as piercing your corporate veil. Additionally, learning how to build business credit can help you get credit cards and other financing in your business's name (instead of yours), better interest rates, higher lines of credit, and more.

Open a business bank account

This separates your personal assets from your company's assets, which is necessary for personal asset protection.

It also makes accounting and tax filing easier.

The Truic Flame Logo

Recommended: Read our Best Banks for Small Business review to find the best national bank, credit union, business-loan friendly banks, one with many brick-and-mortar locations, and more.

STEP 5: Set up business accounting

Recording your various expenses and sources of income is critical to understanding the financial performance of your business. Keeping accurate and detailed accounts also greatly simplifies your annual tax filing.

STEP 6: Obtain necessary permits and licenses

Failure to acquire necessary permits and licenses can result in hefty fines, or even cause your business to be shut down. State & Local Business Licensing Requirements

Certain state permits and licenses may be needed to operate a financial consulting firm. Learn more about licensing requirements in your state by visiting SBA’s reference to state licenses and permits. Most businesses are required to collect sales tax on the goods or services they provide. To learn more about how sales tax will affect your business, read our article, Sales Tax for Small Businesses.

Services Contract

Financial consulting firms should require clients to sign a services agreement before starting a new project. This agreement should clarify client expectations and minimize risk of legal disputes by setting out payment terms and conditions, service level expectations, and intellectual property ownership. Here is an example of one such services agreement: (try to make this industry/business specific)

Certificate of Occupancy

A financial consulting firm can be run out of an office. Businesses operating out of a physical location typically require a Certificate of Occupancy (CO). A CO confirms that all building codes, zoning laws and government regulations have been met.

If you plan to lease a location:

It is generally the landlord’s responsibility to obtain a CO.

Before leasing, confirm that your landlord has or can obtain a valid CO that is applicable to a financial consulting firm.

After a major renovation, a new CO often needs to be issued. If your place of business will be renovated before opening, it is recommended to include language in your lease agreement stating that lease payments will not commence until a valid CO is issued. If you plan to purchase or build a location:

You will be responsible for obtaining a valid CO from a local government authority.

Review all building codes and zoning requirements for your business’ location to ensure your financial consulting firm will be in compliance and able to obtain a CO.

STEP 7: Get business insurance

Just as with licenses and permits, your business needs insurance in order to operate safely and lawfully. Business Insurance protects your company’s financial wellbeing in the event of a covered loss. There are several types of insurance policies created for different types of businesses with different risks. If you’re unsure of the types of risks that your business may face, begin with General Liability Insurance. This is the most common coverage that small businesses need, so it’s a great place to start for your business. Another notable insurance policy that many businesses need is Workers’ Compensation Insurance. If your business will have employees, it’s a good chance that your state will require you to carry Workers' Compensation Coverage.

STEP 8: Define your brand

Your brand is what your company stands for, as well as how your business is perceived by the public. A strong brand will help your business stand out from competitors. If you aren't feeling confident about designing your small business logo, then check out our Design Guides for Beginners, we'll give you helpful tips and advice for creating the best unique logo for your business.

How to promote & market a financial consulting firm and how to keep customers coming back

Now that you know how to meet clients, how do you get their business and keep them? One way is to speak their language. Most clients don't want you to throw tons of jargon and special terms at them. They want to know key terms and facts, and they want them explained in an accessible way. Don't forget to leverage networking—communities are built on connections, and the simple fact that so-and-so is your colleague or close friend may make a client feel instantly more connected with you.

This is a job where you are mostly rooted in your own local community, so it is wise to advertise via certain traditional means such as newspapers and radio, especially when you are first getting started. Increasingly, though, clients are finding their advisors online, which makes it important that you have clean and professional-looking accounts on things like Facebook, Twitter, and LinkedIn. You should also have a professional-looking website.

Courtesy: business consultancy services in Australia

#seo #sem #socialmedia #digitalmedia #marketing

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ryanshtech · 15 days

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At Ryansh Tech, we take pride in our ISO certified Program and Project Management services. Our team of experts ensures that every project is meticulously planned and executed, delivering top-notch results every time. Trust us to streamline your processes and boost productivity!

Visit here: https://ryanshtech.com/program-and-project-management

#project management consulting companies #digitalization and digital transformation #sba-certified application management #(sba) 8(a) business development program #architecture #it application management #sba certified companies #8(a) streamlined technology application #iso certified program and project management

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cloudstewardss · 4 years

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Salesforce Consulting Partner and Cloud Services for AWS Managed - Cloud Stewards

Cloud Stewards, an AWS Select, Google Cloud, and a Salesforce Consulting Partner, helps companies move to the cloud, as well as optimize their cloud environment. We have a proven track record of providing customers with successful digital transformation solutions. Our offerings include cloud application development, migrations and automation. We focus on Data Attribution, AI/ML and security.

SOLUTION AREAS

Archiving

Big Data, Analytics, Batch Processing &

Business Applications - Microsoft

Dev & Test

Digital Marketing

High Availability

Internet of Things (IoT)

Mobile

Security & Compliance

Storage (Backup, Recovery & Asset Storage

Value (Cost Savings/TCO)

Web & Web Apps

Big Data, Analytics, Batch Processing & Business Intelligence (BI)

INDUSTRY AREA

Business & Consumer Services

TARGET CLIENT BASE

Education

Enterprise

Mid-size Business

TECHNOLOGIES

Linux

Microsoft SQL

MySql

Ruby

System Management

PROFESSIONAL SERVICES

Cloud Migration Services

Custom Application Development

Digital Marketing

Managed Service Provider

Strategic / IT Consulting

Assessments

US FEDERAL SOCIO-ECONOMIC STATUS

Minority Owned

SBA Certified Small Business(SB)

Women-Owned Small Business(WOSB)

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serpsupseoccontent · 4 years

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Help for small businesses during the COVID-19 pandemic

Disclaimer about PPP loans

Authorization for new loans under the Paycheck Protection Program expired on July 1, 2020, and therefore no new applications may be submitted.

For COVID-19 business relief and other loan resources, including applying for the Economic Injury Loan and Advance, visit the U.S. Small Business Administration .

Congress passed the Coronavirus Aid, Relief, and Economic Security (CARES) Act to minimize the impact of the COVID-19 pandemic. Included in the Act is the Paycheck Protection Program (PPP) designed to provide small businesses with support to continue to keep their workers on the payroll.

The Small Business Administration (SBA) implements the PPP which is designed to support small businesses . If the small business meets program size standards they should be eligible. That includes:

Small businesses and eligible nonprofit organizations

Veterans organizations

Tribal businesses described in the Small Business Act

Individuals who are self-employed or are independent contractors

Paycheck Protection Program and lenders

The Small Business Administration will delegate authority to SBA-certified lenders to process applications from small businesses under the Paycheck Protection Program. In addition to SBA-certified lenders, federally insured depository institutions and credit unions as well as Farm Credit System institutions will be available to apply to be approved as lenders for the program.

Background information for lenders

Lender application form

Lender agreement

Interim final rule on the program

Additional resources for small businesses and their employees

The CFPB is providing consumers with up-to-date information and resources to protect and manage their finances during this difficult time. Additionally, the CFPB offers financial education tools and information for consumers.

Editorial note: This blog was originally posted on April 6, 2020, and has been updated on April 20, 2020.

The post Help for small businesses during the COVID-19 pandemic appeared first on SERPs Up SEO Content.

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#IFTTT #WordPress

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alookatbusinessin2019-blog · 4 years

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Ideas Around Andrew Binetter Raising Capital

Table of ContentsThe 5 - Second Quirk For Andrew J. Binetter Business Funding With Bad CreditThe Basic Ideas Of Andrew J. Binetter Sources Of FundingCompletely about Best Small Business FundsNot popular Certain Records About Andrew Binetter Startup FundingUnderground Unrecognized Ideas About Angelist Andrew Binetter This Can Be Interesting For EveryoneAll About Online Funding Andrew Binetter

At NerdWallet, we make every effort to help you make economic choices with confidence. To do this, many or all of the products included below are from our partners. Nevertheless, this does not influence our examinations. Our viewpoints are our own. So, you have actually thought of business concept. It fills a need, it has an audience, and you have a detailed organisation plan to confirm it.

To help you find a great fit, we've highlighted 6 of one of the most common options for local business. As soon as you figure out the finest fit, there are steps you can take to increase your opportunities of obtaining an organisation funding. Here are the top sources of organisation financing: Developed businesses with security and also solid credit report.

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Even if your business doesn't have a strong adequate track document or sufficient possessions as security to receive a bank car loan, speaking with somebody at a conventional bank can help you identify what files you require as well as what your finest alternatives might be. Locally had banks, specifically, are a wonderful resource for local business due to the fact that they often have a solid passion in financial development in the community.

The 8 -Minute Standard during Best Small Business Funds Andrew Binetter

discovered that 43% of little finances to organisations originated from area financial institutions. Open more doors for funding your organisation. Set your objectives and also track your progress. Subscribing won't influence your rating. Services who don't fulfill standard banks' stringent financing standards. The U.S. Small company Management uses lending institutions, mostly conventional financial institutions, a government warranty on your car loan.

In assuring the car loans, the SBA likewise links you with beneficial prices supplied by standard loan providers. Andrew Binetter California Cities. And unlike most small business loan, you can use an SBA loan to start an organisation. Nonetheless, the application process isn't easy, as well as you can find yourself caught under a heap of documents while you overcome the proper types.

People with shaky personal credit scores, that want rapid funding or ease of using. With traditional financial institutions limiting accessibility to capital, on-line lending institutions have actually seen a boost in popularity. A record by Morgan Stanley predicts they'll give 16% of small-business financings by 2020. On the internet lenders are especially valuable for proprietors battling with negative credit report or those seeking quick money.

Not Known Components About Small Business Fundraising Andrew J. Binetter

Peer-to-peer company lenders are among the options. These lending institutions reduced out the conventional middleman, such as financial institutions, to link customers with specific and also institutional capitalists. The cost of borrowing, nevertheless, is much higher; some cost interest rate near to 100%. Still, alternate loan providers are an alternative when a financial institution says no.

Not Known Fine points About Online Funding Andrew J. Binetter

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Usage NerdWallet's company lending calculator to determine your regular monthly settlement on a lending. Organisations with items that can record the general public's passion. Crowdfunding websites such as Kickstarter depend on financiers to assist get an idea or business off the ground, often gratifying them with rewards or equity in exchange for money.

For one, your item or firm has to be fascinating sufficient to capture the eye of numerous financiers. In the situation of equity crowdfunding, where capitalists get a risk in the firm, there are rigorous securities laws and also rules to follow for investors and entrepreneurs alike. Members that such as a personal touch.

Euphoria of Andrew J. Binetter, New York

Andrew J. Binetter

Address: New York Andrew Binetter Website

Where is Small Business Administration Andrew Binetterlocated?

New York.

Who Is Andrew Binetter, CEO?

a co-founder from Australia.

However unlike financial institutions, debt unions have actually raised their small-business loaning 60% because 2008, according to the National Association of Federal Cooperative Credit Union. You'll likely have to be a member. Yet the co-op nature of lending institution often ties them to the area, so you might additionally reap the advantages of even more individual connections and also name acknowledgment.

Local business gives offer a means for local business owner to obtain developed or grow, without having to fret about repaying the funds. Typically offered via nonprofits, federal government companies as well as corporations, some gives concentrate on certain kinds of entrepreneur, such as minorities, veterans and women. The downside to complimentary funding is that everybody wants it.

If you would certainly like to contrast finance options, NerdWallet has a list of small-business loans that are best for local business owner (Andrew J. Binetter Techcrunch). Every one of our referrals are based on the loan provider's market extent and record and also on the demands of local business owner, as well as rates as well as other variables, so you can make the right financing decision.

Exhilaration Around Best Business Funding Andrew J. Binetter

Andrew J. Binetter Business Funding For Startups - Disputes

At NerdWallet, we make every effort to help you make monetary decisions with self-confidence. To do this, lots of or all of the products featured below are from our companions. Nonetheless, this doesn't affect our examinations. Our viewpoints are our very own. Money is a huge worry when you're starting a local business. The development of different loaning provides well established business a large array of small organisation lending options.

The clever Art of Crunchbase Andrew J. Binetter That Noone is Exploring

Besides, who wishes to lend thousands of dollars to a small company that doesn't even have profits yet? "No one does a good job of supplying funding to start-up services because it's the greatest risk out there," claims Charles Green, creator of the Small Organisation Money Institute. "You might have concepts as well as plans in area, yet you have not released yet." Does your little service need COVID-19 alleviation? Find out about the PPP and also use on BlueVine.

via Gfycat

Therefore, you're extra likely to qualify for start-up funding with a solid personal credit history score (720 or greater) (Food Expert Andrew Binetter). To raise your credit report fast, examine your debt records for mistakes that can be weighing down your rating and conflict them with the credit bureaus, preserve a reduced balance on your charge card and also stay on top of all of your expenses.

The Finest Technique To Utilize For Andrew Binetter Small Business Administration

Small Organisation Administration has a microloan program that supplies up to $50,000 for local business and some not-for-profit day care facilities (Andrew J. Binetter Business Funding). The average SBA microloan is about $13,000. Below's a checklist of carriers. The drawback of the microloan is the "micro" part: Funding might not suffice for all debtors.

However 7( a) SBA car loans are difficult to get. They normally most likely to recognized companies that can provide security a physical possession, such as realty or equipment, that the lending institution can market if you default. The credentials are rigorous, and also also if you certify, the procedure can take a number of months.

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paulbenedictblog · 4 years

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%news%

New Post has been published on %http://paulbenedictsgeneralstore.com%

Cnn news Billions for small business not available immediately, could run out quickly: Lender

Cnn news

Cnn news One lender tells ABC the phobia is funding will bustle out in the first day or two.

April 23, 2020, 3: 38 PM

6 min read

As Congress rushes to pump any other $310 billion into the neatly-liked Paycheck Protection Program, designed to support small companies purchase their workers for 2 months, experts divulge to request a extend in the money being on hand and that it be more seemingly to swiftly bustle out of money as soon as extra.

The expect - before PPP ran out of funds final Thursday - become extraordinarily high -- with 1.6 million loans licensed as small alternate house owners struggled to purchase on to companies and restaurants as a crushing economic wave triggered by the pandemic swept the nation and unemployment claims pushed past an ancient 26 million folks.

And any other a million mortgage purposes were pending, in step with a key Senate committee chairman.

The Home is anticipated to approve the unusual infusion of PPP funds Thursday, and almost right now after the President Donald Trump is anticipated to label the legislation, known as the Paycheck Protection Program and Health Care Enhancement Act.

Tune into ABC at 1 p.m. ET and ABC Files Live at 4 p.m. ET each and every weekday for special protection of the unconventional coronavirus with the corpulent ABC Files team, alongside with basically the most up-to-date knowledge, context and prognosis.

Nonetheless experts warn to now not request a “light change” 2d the build the his signature triggers a reopening of the program. One banking alternate provide with knowledge of small alternate lending urged ABC Files that the job would perchance well well dangle per week or extra.

A spokesman for the Location of job of Management and Budget (OMB) urged ABC Files that there would be no extend in funds being released to the Slight Enterprise Administration (SBA), as soon as the President signed the invoice. OMB has "been working with them to kind definite the apportionment is staunch, as soon as it’s live we can label it in minutes. There'll seemingly be no extend."

Nonetheless the SBA, which administers the authorities-backed loans, must retool its online mortgage application system, which skilled repeated problems and outages over the 2 weeks the map operated, to accommodate PPP changes that the administration and Congress licensed.

The unusual legislation sets aside $60 billion for smaller lending institutions whose potentialities consist of minority-owned and lady-owned small companies.

The SBA and Treasury Department announced Friday that the program would reopen at 10: 30am eastern on Monday.

Once it reopens, the special pandemic mortgage program -- which has already skilled controversy as bigger companies fancy Ruth’s Chris Steakhouse and the umbrella firm that owns luxurious resort chain Ritz Carlton secured multi-millions in PPP loans the declare of a assorted carveout in the legislation -- is anticipated to bustle out of money in a handy e book a rough time.

One SBA lender, who products and services minority and lady-owned companies under PPP, urged ABC Files, "We're very concerned that the funding will bustle out swiftly. Most lenders get persevered processing purposes at some level of the hole in funding, so that they'll be ready to ship in a batch of purposes when the program re-opens. Our fear is that the funding will bustle out in the first day or two."

Cleave Simpson, a spokesman for User Bankers Affiliation echoed those concerns in an interview with ABC Files, pronouncing, "We possess banks get as many purposes pending as get already been licensed" before the genuine $349 billion program ran dry. "We possess this program will poke in a handy e book a rough time."

Senate Slight Enterprise Committee Chairman Marco Rubio, R-Fla., notorious that the sheer volume of lenders now licensed to kind PPP loans, coupled with purposes already pending, would mean a swift depletion of funds.

“Now get nearly 5000 lenders with expertise with #PPPloans & with 1 million purposes ready to file. That’s accurate knowledge, nonetheless it undoubtedly also procedure $310B in unusual funds will seemingly be tapped at a MUCH faster price than 1st time,” Sen. Rubio tweeted Thursday morning.

Below a most attention-grabbing case scenario, sources acknowledged the program would perchance well well reopen Friday, though the weekend become doubtlessly a extra life like likelihood, with PPP out of money interior per week.

On Tuesday, Treasury Secretary Steven Mnuchin warned huge companies towards profiting from PPP, pronouncing that they would well be investigated for falsely certifying that they skilled damage from the unconventional coronavirus and wanted federal support.

The administration become expected to region unusual guidance soon to PPP-licensed lenders in disclose to optimistically clear the procedure for extra desperate mother and pop companies to salvage loans, as become the intent of the legislation.

With the expected approval of the $484 billion rescue equipment by Congress, the majority of which is ready to poke to PPP, the small alternate mortgage program total will stand at $660 billion.

It is miles unclear if Congress will approve extra funding for the ancient small alternate relief program. Congress would perchance well well return as early as Would possibly presumably well 4, and negotiations are already underway for a fifth stimulus equipment.

*ABC Files' Sarah Kolinovsky contributed to this document.

What to be taught about coronavirus:

How it started and how to provide protection to your self: coronavirus explained

What to create whenever you occur to would perchance well well get symptoms: coronavirus symptoms

Tracking the unfold in the US and Worldwide: coronavirus plan

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lamazeclasssitn646-blog · 4 years

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Get This Report about Optical Shop

If you did not get both of these things, you ought to review this with your Eyecare Specialist. What are the visual advantages of Crizal No-Glare lenses? Crizal is the only No-Glare array on the market providing one of the most full protection versus the invisible as well as usually irreparable dangers of UV reflection, and also the finest long-lasting clarity of vision by battling the 5 opponents of clear visionglare, scrapes, smudges, dirt and also water.

As a matter of fact, Crizal No-Glare lenses assist get rid of the symptoms connected with extended computer system or TELEVISION display seeing such as weary eyes, watery eyes, obscured vision, and headaches. Does Crizal have UV defense? Yes! Over 2012, a brand-new generation of Crizal No-Glare lenses will release made to shield your eyes from destructive UV light coming from the backside of the lens, guaranteeing your long-term visual health and wellness.

Little Known Questions About Optical Shop.

Available for sunwear with Crizal SunShield). Can I obtain Crizal on sunglasses? Yes, Crizal has a special modern technology especially designed for sunglasses called Crizal SunShield. Crizal SunShield is specifically created for sunwear. It is the most scratch-resistant, smudge-resistant, easiest-to-clean No-Glare lens made particularly for sunwear. It gets rid of 99% of behind visible light reflections and offers Maximum UV protection for sunwear with an Eye-Sun Security Variable (E-SPF) of 50+.

Are Crizal No-Glare lenses much heavier or thicker than regular lenses? No, the Crizal No-Glare therapy is extremely thin thinner than a strand of hair! The actual thickness and weight of your glasses is a feature of the lens product chosen, your structures, and also your prescription. Can I get Shifts with Crizal? Changes lenses are readily available with Crizal modern technology.

The 10-Minute Rule for Eye Care

Indicators on Eye Care You Should Know

Can I put Crizal on Varilux lenses? Yes, Crizal No-Glare technology works with many lenses as well as constantly suitable on Varilux lenses. To learn even more regarding Varilux and no-line bifocals, visit www.variluxUSA.com. To see the complete Crizal lens availability, go to the Crizal Literary works area. How often should I have my eyes checked and also when should I replace my lenses? Your eyesight and vision are vital to your overall health and wellness and well-being.

When your prescription ends, consult your Eyecare Professional on the ideal option for you. To discover prolonging the life of your lenses, reviewed our Maintenance Guidance tips. To learn more concerning the services that we provide, or to arrange a consultation, please contact one of our six locations.

The Buzz on Optometrist

You have located the perfect company concept, and currently you prepare to take the following action. There is more to beginning a service than just registering it with the state. We have assembled this basic guide to starting your glasses shop. These steps will certainly make certain that your new service is well planned, registered effectively and also legally certified.

It will certainly assist you map out the specifics of your organisation and uncover some unknowns. A few vital topics to consider are: Fortunately we have done a whole lot of this research for you. Just like a lot of services, place is vital. Put in the time to locate a space that sees a bargain of pedestrian website traffic daily.

Some Known Details About Vision Exam

Because of this, purchasing areas are a suitable area, as a lot of the pedestrians are taking pleasure in a leisurely walk. The ordinary cost of a 400 square foot optical shop is $30-$ 50 per square foot. As soon as you have your location, there are a variety of other items you'll need to allocate, such as: Displays Equipment and also tools - to assist in minimizing expenditures, many entrepreneur acquisition products made use of or rent a number of these items can be acquired used or rented, whichever fits ideal into your budget Stock Organisation administration software Charge card equipment and money register Computer Correct illumination is crucial in this industry Industry leaders approximate start-up prices at between $20,000 as well as $85,000, depending upon the details solutions you desire to offer at your store.

To qualify, Pearle Vision requires entrepreneurs to have $100,000 in fluid resources, with a web worth of at the very least $300,000. Bottom line financial investment reaches between $410,000 and $622,000. While the preliminary financial investment is rather steep, straightening on your own with a well-established enterprise frequently quickens organisation growth. Ongoing expenditures are fairly reduced, with payroll taking in the bulk of your budget.

Optics Fundamentals Explained

A study conducted by the Vision Council of America exposed that almost 75% of grownups require vision correction of some kind. 64% of those questioned favor glasses over contacts. These individuals will comprise a large section of your client base. Kids as well as teenagers looking for restorative lenses will certainly additionally come to you for assistance.

A glasses save creates revenue through the sale of each set of glasses. Some charge a fee for services such as eyewear adjustments, while others offer these services cost free. If your business also uses a professional eye doctor, you can additionally earn money by offering eye examinations as well as fundamental eye treatment at an affordable rate.

The Ultimate Guide To Eye Exam Cost

A generic pair get more info of glasses will opt for $69, while a developer pair can set you back upwards of $900. Inventory ought to match the needs as well as desires of your customers. Developed optical stores report average month-to-month sales of $125,000 to $205,000 each month. Your organization's earnings is dependent upon the number of people you use, the quantity of supply ordered each month, and functional costs.

To maximize revenues, think about applying one or even more of the adhering to approaches: Offer frameworks online to reach a broader audience. Create your very own line of eyewear. Numerous eyeglass manufacturers offer contract production. You give them with your layouts as well as they manufacture them in their center. Partner with suppliers that offer versatility as well as a vast array of design and also rate factors.

Rumored Buzz on Optical Shop

You ought to additionally make certain that you align your company with a vendor that provides a reasonable exchange policy. Numerous shop proprietors have actually discovered success collaborating with an optical dispensary management firm (ODM). These speaking with companies provide monitoring solutions particularly designed to fit your needs. Picking the appropriate name is extremely crucial.

We recommend checking if business name you select is offered as an internet domain name and also protecting it early so no one else can take it. After registering a domain, think about setting up a specialist email account (@yourcompany. com). Google's G Collection offers a service email solution that includes various other valuable tools, including word processing, spreadsheets, and much more.

8 Easy Facts About Eye Exam Cost Described

There are several company structures to select from consisting of: Companies, LLC's, and DBA's. Read our Overview to Kind Your Own LLC Have a Professional Solution Type your LLC for You 2 such trusted services: Look into the Top Business Development Solutions from our pals at StartupSavant. You must additionally think about making use of a signed up agent service to aid secure your personal privacy and also stay compliant.

In order to register for tax obligations you will certainly need to make an application for an EIN. It's really easy as well as cost-free! You can get your EIN absolutely free through the IRS website, through fax, or by mail. If you wish to find out more concerning EINs and just how they can benefit your LLC, read our write-up, What is an EIN?. Using devoted organisation financial as well as credit history accounts is crucial for individual property protection.

The Best Guide To Contact Lenses

In organisation legislation, this is described as piercing your company veil. This divides your personal assets from your business's properties, which is necessary for individual asset protection. It likewise makes accounting and tax obligation declaring less complicated. You can obtain $200 when you open a Chase business checking account with qualifying activities.

It likewise constructs your business's credit report, which can be valuable to elevate cash and investment later. Recording your different expenses as well as income sources is important to comprehending the economic efficiency of your service. Keeping exact as well as detailed accounts likewise significantly simplifies your yearly tax filing. Failing to obtain necessary licenses as well as licenses can lead to hefty fines, and even cause your organisation to be closed down.

Eye Exam Cost Fundamentals Explained

Find out more about licensing demands in your state by going to SBA's reference to state licenses as well as allows. To read more about how sales tax will certainly impact your business, review our post, Sales Tax for Local Business. Glasses shops might additionally desire to look right into applying for a resale certificate, as a resale certificate permits sellers to acquire items meant for resale without paying sales tax obligation.

For additional information: A glasses store can be run out of a storefront. Businesses operating out of a physical place typically call for a Certification of Occupancy (Carbon Monoxide). A Carbon Monoxide validates that all building ordinance, zoning laws and also government policies have actually been fulfilled. If you prepare to rent workplace: It is normally the proprietor's obligation to acquire a CO.

See This Report on Eye Clinic

After a major restoration, a brand-new CO often needs to be provided. If your business will be remodelled prior to opening up, it is advised to include language in your lease agreement stating that lease payments will certainly not begin up until a legitimate Carbon Monoxide is released. If you plan to purchase or build workplace room: You will be accountable for obtaining a legitimate Carbon Monoxide from a neighborhood federal government authority.

Insurance is highly recommended for all organisation owners. If you employ workers, employees compensation http://query.nytimes.com/search/sitesearch/?action=click&contentCollection&region=TopBar&WT.nav=searchWidget&module=SearchSubmit&pgtype=Homepage#/optical & glasses shop insurance policy might be a legal need in your state. Your brand name is what your firm means, as well as how your organisation is viewed by the public. A strong brand will assist your business stick out from rivals.

The Buzz on Contact Eye Exam

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Create relationships with physicians as well as glasses repairmen in your bordering area and work out a referral system. Get to recognize the needs of your client base. Supply the racks with those items and also market directly to them. Social media is a great source for advertising your business, sharing the current trends, as well as informing your customers of upcoming news as well as specials.

To construct a solid foundation, develop a loyal client base. Supplying high quality items as well as services is the most effective method to maintain current clients and attract brand-new ones. Word takes a trip quick and also is commonly an organisation' most effective advertising and marketing tool. An organisation internet site permits customers to read more about your business and also the services or products you provide.

Sunglasses for Dummies

Fantastic customer care. Excellent quality, name brand structures. They took my insurance coverage which aided with cost. Will absolutely be back on customer solution alone !!!.

At Associated Eye Care Optical we believe your vision is worthy of the most effective. We provide you the current modern technology in progressive lenses, including Varilux, Shamir, Zeiss as well as Kodak. Durable reflection-free lenses that minimize glow as well as improve clarity under all lights conditions. We only utilize the ideal offerings from top brand names like Crizal as well as Unity.

What Does Contact Eye Exam Mean?

Unique work-related lenses created workplace as well as computer system use. Unpredictable lenses that react to UV rays from preferred brand names like Transitions as well as SunSync. Lenses that are extremely slim as well as that offer UV and scratch resistance. We ensure just the finest structures at Associated Eye Treatment Optical. Our structures originate from several of one of the most well well-known makers around the globe, including designers in Germany, Italy as well as Austria.

We can buy any framework from the brand names we lug. For the most current supply, please visit the firm sites. Among the newest frameworks included in any way of our areas is the Silhouette Titanium drill install. It is just one of the most light-weight structures on the market, evaluating only 2.8 grams.

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With over 700 America's Finest Contacts & Glasses stores throughout the country, we neighbor! Make use of the store finder above to discover the America's Finest Contacts & Glasses conveniently located near you. Use your ZIP code or city and state to locate an optometrist near you. Locate a store near you to see their address, phone number and also store hrs.

At any America's Ideal Contacts & Eyeglasses, you'll find among the very best bargains around. Our everyday 2 set offer consists of frameworks valued at $59.95 with uncoated, single-vision uncoated plastic lenses for just $69.95!.?.!! When you acquire any 2 sets of glasses, your eye exam * is cost-free! (A $50 value!) * We additionally have good deals on get in touch with lenses? Shop our directory, with brands like Acuvue, Air Optix, Biofinity, as well as Freshlook Color.

EYE OPTIC

Ahuza St 97, Ra'anana

09-743-1020

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tsgnorthwestarkansas · 4 years

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Small Business Resource Guide From Montanez Financial

To Our Northwest Arkansas Community,

With the effects that Covid-19 is having on all of us, we wanted to send out an updated Small Business Resource Guide with newly added resources and updated information. If you would like specific advise for your particular business (or personal finances), please reach out to Joshua Montanez at [email protected] – we will be happy to jump on a phone call to answer any questions you have!

Please refer to the website links for the most up-to-date as they are refreshing with any new details.

Pandemic Preparedness Links – Important Information for Business Owners within the state of Arkansas

Governor Hutchinson- Covid-19 Assistance Update in the State of Arkansas : Check out this site to stay up to date with all the programs and assistance being released specifically in the state of Arkansas.

Coronavirus: What Employers Need to Know : This site helps with guidance around how to handle your employees in the event of Covid-19 case within your business.

Small Business Financial Assistance

Small Business Administration (SBA) Disaster Loans: The SBA is offering disaster assistance loans for up to $2M for small businesses (500 or less employees) affected by the coronavirus. These are available to businesses that have sustained “substantial economic injury” due to the spread of the coronavirus. Small businesses that have access to credit though are not eligible. If there is no available credit, the business could qualify for an interest rate of 3.75%, and nonprofits will have an interest rate of 2.75%.

Eligible businesses include: retailers, restaurants, recreational facilities, tourism-based businesses, manufacturers, owners of rental properties, hotels, wholesalers and private nonprofits.

Refinance Debt: If you have a mortgage, student loan or other debt, chances are that rates today are better than what you’re currently paying (in fact, rates are historically low right now). Refinancing typically can take weeks or even months to complete. But if you can lower your monthly payment in the long term, it may be worth it for you.

Check your current line of credits/margin loans for any potential relief opportunities as well.

Federal Assistance

Tax Filing Deadline Extension: The IRS has deferred the tax filing date of April 15th to July 15th to allow people more time to stabilize their business.

The Trillion Dollar Proposal: The Federal Government is working to release a stimulus package to help support the American people. This bill went to the Senate Sunday night (3/22) where it was voted down so they are going back to the drawing boards. Amongst other reasons, one reason for this was because they wanted more focus on protecting the workers getting laid off than the corporations. A few highlights that they are looking to implement include:

Cash payments to all citizens to help supplement potential lost wages.

Relief for small businesses & major industries that are being severely effected by the global pandemic. Part of this may include a potential for loan forgiveness if the small business avoids layoffs.

Suspending student loan payments for a period of time.

Other Things to Consider

Group Short-Term Disability (STD): Look into your business(es) STD to see what the coverage options are for an employee who gets COVID-19 OR if a medical professional recommends them to be quarantined as a precaution. This would most likely be a phone call to your advisor or your coverage provider. Please expect longer wait times as many people will probably be looking into the same information.

If you do not have a short-term disability plan for your business and would be interested in learning more about it, please reach out to us and we would be more than happy to help!

Other Business Insurances: Please check with your insurance agent to see if you have business interruption liability coverage or general liability coverage. This could help offset revenue lost and expenses due to a temporary business closure.

Facebook’s $100M Small Business Program: Facebook announced on 3/17 they will be putting $100M towards 30,000 eligible small businesses for cash grants and ad credits. Applications will be available in the next couple weeks. Click Here to sign up for updates as more information comes forward. This is a great opportunity for business owners who are already using Facebook to create brand awareness.

Northwestern Mutual Wealth Management Weekly Market Commentary: The Covid-19 has created a major shakeup in the investment markets over the past few weeks and as a resource to understand in more detail what is going on you can check out Northwestern Mutual’s Weekly Market Commentary released every Monday by our Chief Investment Strategist, Brent Schutte.

We are #479together – please let us know if there is anything we can help you with during this time!

Thank you,

Joshua Montanez, CFP®, ChFC®| Financial Advisor

234 E Millsap Suite #100, Fayetteville, AR 72703

(479) 715 - 8821 [office] 501-366-7256[Cell]

(479) 443 – 5224 [fax]

joshuamontanez.nm.com

[email protected]

AR LIC: 16670541

Caroline Montanez Client Relations Manager l Team Member of Montanez Financial Office (479)715-8819 | Fax (479)443-5224

[email protected]

McKenzie Ritter Administrative Assistant l Team Member of Montanez Financial Office (479) 443-1339| Fax (479)443-5224

[email protected]

Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM) (life and disability insurance, annuities and life insurance with long-term care benefits) and its subsidiaries. Joshua Montanez is an Insurance Agent of NM. Registered Representative of Northwestern Mutual Investment Services, LLC (securities), a subsidiary of NM, broker-dealer, registered investment adviser, and member FINRA and SIPC. Representative of Northwestern Mutual Wealth Management Company®, Milwaukee, WI (fiduciary and fee-based financial planning services), a subsidiary of NM and federal savings bank. There may be instances when this agent represents companies in addition to NM or its subsidiaries.

While links to other websites are provided for convenience and information, please be advised that except for information related to Northwestern Mutual (NM), the inclusion of, or linking to, other websites does not imply NM endorsement of, nor responsibility for, those websites.

Certified Financial Planner Board of Standards Inc. owns the certification marks (CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP® (with flame design) in the U.S. which it awards to individuals who successfully complete CFP® Board’s initial and ongoing certification requirements.

The ChFC® is the property of The American College of Financial Services, which reserves sole rights to its use, and is used by permission.

#479together stayconnected livelovelocal

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digitalmark18-blog · 6 years

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How to avoid scams while helping victims of Hurricane Florence

New Post has been published on https://britishdigitalmarketingnews.com/how-to-avoid-scams-while-helping-victims-of-hurricane-florence/

How to avoid scams while helping victims of Hurricane Florence

NORTH CAROLINA —

Hurricane Florence brought devastating floods and to the Carolinas and killed at least 37, leaving people needing to rebuild.

Related: Relief money available for 18 NC counties, applications now open

If you would like to help those affected by the storm, here’s what you should keep in mind.

Check the charity

Before you donate to a charity, make sure you know where your aid is going.

The Center for International Disaster Information has compiled a list of charities that are sending help, and it recommends checking with a charity monitoring organization like GiveWell, Charity Navigator, Charity Watch, or the Better Business Bureau before donating.

Make sure your donation is secure by going through an organization’s official website or sending a check in the mail. Charity Navigator said you should never donate over the phone, email or unknown social media pages, as these are easier for scammers to target.

Flash flooding has become an issue since Florence passed

North Carolina officials are making e it easy for storm victims to check out contractors before they hire them to clean up or repair damage.

Give cash, not supplies

Most charities prefer monetary donations, especially if you plan to donate internationally. These are more flexible and cause less of a strain on the charity, allowing them to help more, the CIDI explained.

“Unlike material donations, cash involves no transportation costs, shipping delays, or customs fees. It also enables relief organizations to spend more time providing aid by spending less time managing goods,” the organization explained on its website.

Consider volunteering

The Red Cross has put out a call for volunteers to help the affected areas in the Carolinas.

“Candidates with the greatest likelihood of being chosen have fluency in the language of the disaster-affected area, prior relief experience, and expertise in technical fields such as medicine, communications, logistics, water/sanitation, and engineering,” the CIDI explained.

Know that blood is needed

If you can’t donate money or travel to affected areas, consider donating blood. The Red Cross told ABC11 they had to cancel blood drives because of the storm, adding to an already urgent need for blood and platelets.

The organization encourages everyone in parts of the country that aren’t affected, especially people who have type O blood, to make an appointment.

Housing inspectors claiming to represent FEMA

Be cautious if somebody asks for your nine-digit registration number. FEMA inspectors will never ask for this information. They already have it in their records. FEMA inspectors never require banking or other personal information such as a Social Security number. Ask the inspectors to show you their identification badge. Federal employees and contractors always wear an official government or government contractor badge to identify themselves. Call FEMA at 800-621-3362 (TTY 800-462-7585) if you are suspicious of someone who says they’re a housing inspector sent by FEMA.

Fake offers of local or federal aid Don’t trust someone who asks for money. Federal and local disaster workers do not solicit or accept money. FEMA and U.S. Small Business Administration (SBA) staff never charge applicants for disaster assistance, inspections or help in filling out applications. Don’t believe anyone who promises a disaster grant and asks for large cash deposits or advance payments in full. Report suspected fraud to the NC Consumer Protection Division at 877-5-NO SCAM (919-716-0058 for Spanish speakers).

Avoiding fraudulent building contractors Use licensed or verified local contractors backed by reliable references. To find licensed certified contractors check the North Carolina Department of Consumer Affairs. The department offers tips on disaster repair here. Don’t pay more than half the costs of repairs in advance. Demand that contractors detail the job to be done with guarantees in writing. If you suspect fraud, call the FEMA Disaster Fraud Hotline at 866-720-5721.

Trusted Information Sources A rumor control page has been set up to dispel false information about Hurricane Florence: fema.gov/florence-rumors. Call 2-1-1 or text “FLORENCE” to 898211 for questions about Hurricane Florence. Unfortunately, criminals can exploit disasters by sending fraudulent communications through email or social media and by creating phony websites designed to solicit contributions. Tips may be reported 24/7 to the National Center for Disaster Fraud at 866-720-5721. Or, email [email protected].

Source: https://abc11.com/how-to-avoid-scams-while-helping-victims-of-hurricane-florence/4293135/

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unixcommerce · 4 years

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30 PPP Fraud Prosecutions So Far, and Counting

Paycheck Protection Program (PPP) loans have aided more than 5 million small business owners, providing a much needed lifeline during the Coronavirus outbreak crisis. The overwhelming majority of business owners are legitimate and will use the money as intended to retain employees and stay operational.

But the PPP program has attracted a few rotten apples. And you won’t believe how rotten they are.

To date, the Justice Department has filed 30 PPP fraud cases. Defendants are charged with bilking taxpayers out of tens of millions of dollars. Luckily, the Feds have recovered a large part of the loan proceeds already.

And what’s been recovered tells a wild tale.

Feds have seized a 2020 Lamborghini Huracan sports car, a Rolex Presidential watch, a 5.73-carat diamond ring, and a diamond bracelet — all purchased with PPP loan money. Other loot includes a Tesla, a 26-foot Pavati Wake Boat, two Rolls-Royces, a Lamborghini Urus, and a Ford F-350 pickup truck.

Authorities also seized cash hoards, froze bank accounts, and recovered other assets.

Some defendants blew taxpayer money on wild spending sprees, including Las Vegas gambling, visits to strip clubs, and day-trading. In one case, a married couple was apprehended at JFK Airport purportedly attempting to flee the country after submitting 18 fraudulent applications.

Every government program attracts a small number of grifters and criminals. And the DOJ has made it a priority to root them out. On March 16, 2020, Attorney General William Barr directed all 94 U.S. Attorneys’ Offices to prioritize investigating and prosecuting PPP loan fraud cases.

PPP Loan Program Results

On March 27, 2020 Congress passed and President Trump signed into law the Coronavirus Aid, Relief, and Economic Security Act — or CARES Act. It authorized the Paycheck Protection Program. PPP is a low-interest, forgivable loan program designed to help small businesses and self-employed individuals.

In an unusual example of government speed, the Small Business Administration started accepting loan applications just a week later on April 3, 2020. Through July 24, the SBA has approved 5,005,261 loans, constituting $519,505,881,228, demonstrating its success.

The majority of the funds are going to help the nation’s 31 million small businesses, there’s no doubt about it. The number of fraud prosecutions is very small by comparison.

30 PPP Fraud Cases – So Far

Could these prosecutions involve nothing more than paperwork mistakes? They do not appear to be honest mistakes. All appear to involve egregious circumstances — assuming the government ultimately proves the facts. Some defendants actually were under indictment for other charges at the time of applying for loans. Others hid their criminal past.

Here’s a rundown of the 30 PPP loan fraud cases to date with some of the lurid details alleged:

Two Men, Identity Theft and a Conspiracy (Rhode Island – May 5)

David A. Staveley, aka Kurt D. Sanborn, and David Butziger were charged with conspiring to seek over $530,000 in PPP money. It’s alleged they falsely claimed to have dozens of employees at 4 different businesses, including a restaurant neither owned. They allegedly discussed their fraud in email and one assumed the identity of his own brother. Special Agent in Charge Joseph R. Bonavolonta of the FBI’s Boston Field Office said in a statement, “Thankfully we were able to stop them before taxpayers were defrauded.”

Texas Engineer (Texas – May 13)

Shashank Rai, an engineer from Beaumont, is charged with multiple counts of fraud and false statements to the SBA for seeking more than $10 million in PPP funds. He allegedly claimed to have 250 employees when there is no record of any in his business, Rai Family LLC. Court documents allege that handwritten notes recovered from his trash describe how he planned to use $3 million of the money for personal investments.

Reality TV Personality (Georgia – May 13)

“Love & Hip Hop: Atlanta” star Maurice Fayne was indicted on fraud charges over a $3,725,500 PPP loan application for his company, Flame Trucking. Fayne allegedly claimed he had 107 employees and submitted forged bank statements. It’s alleged he then blew the money on a Rolex Presidential watch, a 5.73 carat diamond ring and other jewelry. He also allegedly used the money to pay $50,000 for restitution in a previous fraud case, $40,000 in back child support, $139,000 to lease a Rolls Royce Wraith — and $230,000 to associates who helped him run a Ponzi scheme. When arrested, he had almost $80,000 in cash at his home and $9,400 in his pocket, authorities claim.

East Texas Man and the Online Name Generator (Texas – May 19)

Samuel Yates of Maud, Texas is charged with fraudulently applying for $5 million with two different lenders. He claimed to have 400 employees, but actually had zero. The complaint claims Yates used a name generator on the Internet to create names of fake employees. He also allegedly submitted forged tax documents.

Manhattan Businessman (New York – May 21)

Muge Ma, a/k/a “Hummer Mars,” a Chinese national residing in Manhattan, was arrested on charges of trying to obtain over $20 million in PPP and EIDL money. Ma is alleged to have falsely represented to the SBA and five financial institutions that his companies had hundreds of employees when he was the only employee. He also allegedly was involved in a scheme claiming to represent the New York State Government in procuring COVID-19 test kits.

Hollywood Film Producer (California – May 22)

William Sadleir, the ousted head of Aviron Pictures, was charged with wire and bank fraud in connection with a $1.7 million PPP loan. He allegedly used some of the money to pay off $80,000 in personal credit cards and a $40,000 car loan. Sadleir was Executive Producer on films like Serenity, starring Matthew McConaughey. In an unrelated matter the SEC charged Sadleir with allegedly defrauding investors of $13.8 million through Aviron.

Lyft Software Engineer (Washington – May 22)

Baoke Zhang, a software engineer at ride share company Lyft, is charged with wire and bank fraud. He allegedly created fake technology companies to obtain $1.5 million in funds. U.S. Attorney Brian T. Moran said in a statement, “I am pleased that the systems designed to detect and deny fraudulent payments caught his scheme before federal funds went out the door.”

Man on Parole (Virginia – May 29)

Joseph Cherry II of Virginia was indicted on 10 counts of COVID fraud and faces 10 to 30 years of prison time on each count. Cherry was on supervised release in an unrelated federal case when he applied to the SBA program. It is alleged he got over $190,000 in proceeds and managed to withdraw cash or cashier’s checks for $140,000. “Providing false statements to gain access to SBA’s programs will be aggressively investigated by our office,” said Hannibal Ware, Inspector General of the U.S. Small Business Administration, in a statement.

Walmart Project Manager (Oklahoma – June 4)

Benjamin Hayford is charged with fraud for seeking about $4.4 million in PPP financing. He allegedly certified that his business was operating as of February 15, 2020 (a requirement of the law) and had 247 employees. Prosecutors say a search of his email account showed he didn’t even set up a company until a few days before applying in April. At the time of his arrest Hayford was a Project Manager for Walmart. The retail giant suspended him and stated the charges were unrelated to Walmart.

Auto Repair Shop Owner (California – June 5)

Geoffrey M. Palermo of Novato faces charges of wire fraud and making false statements. The former manager of the San Francisco Hilton allegedly embezzled from the hotel in a kickback scheme going back to 2013. After leaving the hotel he opened GMP Cars, an auto repair shop. In April he allegedly obtained a PPP loan of $1.7 million by falsely certifying that GMP Cars had employees for whom it paid salaries and payroll taxes. In fact, according to the criminal complaint, Palermo used company funds for lavish personal expenses including a Ferrari racing car, leaving the business in financial distress.

IT Company Business Owner (Illinois – June 16)

Rahul Shah of Evanston is charged with bank fraud and making false statements to a financial institution. He allegedly applied for $441,000 under the Federal Paycheck Protection program for several companies. The allegations say he submitted fake IRS documentation. Several individuals he allegedly submitted payroll documentation for said they never worked for his company, per investigators.

Austin High Roller (Texas – June 18)

Michael George McQuarn, 51, of Austin, is charged with with fraudulently receiving over $2 million in SBA loans for two fictitious companies, Vantastic Voyages, LLC and Happy Days Movers, LLC. McQuarn allegedly used the money for personal purposes including buying a 26-foot Pavati Wake Boat and a Rolls Royce.

IT Services Company Owner (Massachusetts – June 22)

Elijah Majak Buoi, president of Sosuda Tech LLC, is charged with fraudulently applying for over $13 million in PPP aid. Buoi allegedly misrepresented how many employees he had and that the United States was their primary residence (required). He ultimately received over $2 million but the government seized $1.98 million from business bank accounts.

Wedding Planner (Texas – June 23)

This owner of a wedding planning company is charged with submitting two PPP applications, and claiming to have 120 employees when he actually had none. Fahad Shah got $1.5 million in funds. He allegedly used the money to buy a Tesla car, make personal investments and make his home mortgage payments.

Married Couple Attempting to Flee (Virginia – June 24)

The FBI apprehended Monica Jaworska and her husband Tarik Jaafar at JFK Airport allegedly attempting to flee to Poland. The paid are charged with submitting 18 fraudulent Paycheck Protection applications with false payroll tax returns, and receiving $1.4 million in funds. The Feds managed to freeze most of the funds but not before the couple allegedly withdrew $30,000 in cash.

Funeral Director (Texas – June 24)

Jase DePaul Gautreaux aka Jase Dixon, a funeral director in Houston, is charged with seeking $13 million in funds and ultimately receiving over $1.6 million. The criminal complaint charges him with false statements to a financial institution, bank fraud and engaging in unlawful monetary transactions. He allegedly submitted applications on behalf of a business that did not exist and for businesses he did not own.

Owner of Private Investigation Firm (Ohio – June 24)

Nadine Consuelo Jackson is charged with bank fraud and other charges for seeking forgivable loans in the amount of $1.3 million, $1.2 million and another $46,000 in Economic Injury Disaster funding. She allegedly claimed to have 73 employees at her Dayton private investigation business. Three people she allegedly claimed as employees told investigators they never heard of her company. The bank recalled one loan and the Government seized funds for the other two.

Ophthalmologist Already Under Indictment (New York – June 24)

Apparently one fraud isn’t enough for some people. Meet Goyal, MD, an ophthalmologist in Rye, New York, was under indictment for healthcare fraud. That didn’t stop him from allegedly applying for two PPP loans using different business names. He also allegedly lied certifying he had no pending indictments. Acting U.S. Attorney Audrey Strauss said, “Goyal allegedly looted over $630,000 in federal funds earmarked for legitimate small businesses in dire financial straits.”

Seattle Doctor (Washington – June 30)

Dr. Eric R. Shibley is charged with one count of wire fraud and one count of bank fraud. The complaint alleges he applied several times to get aid totaling $3 million, in the names of businesses with no actual operations. He allegedly lied about his criminal past, and submitted fake tax documents including names of people who did not work for the businesses.

Man Under Indictment (Wisconsin – July 8)

Ahmad Kanan, formerly of Madison, is charged with wire fraud and money laundering. He allegedly applied for two loans totaling $119,560 acting as owner of Altin Labs, Inc. The indictment alleges Kanan was under federal indictment on an unrelated matter at the time. He then allegedly transferred $47,000 to his personal checking account.

Trucking Company Owner (Utah – July 8)

Hubert Ivan Ugarte of Draper, with the assistance of Lisa Bradshaw Rowberry of Provo are charged with fraudulently obtaining a PPP loan of $210,000. He allegedly lied about not being under criminal charges — he in fact was under indictment for a bribery scheme. After two banks declined, Rowberry allegedly said she would help him re-apply through a friend. Ultimately Ugarte received funds from Transportation Alliance Bank. Ugarte allegedly used funds for past due truck payments to Kenworth instead of required payroll.

Medical Company Owner (Florida – July 10)

Carlos Belone is charged with wire fraud and other charges in connection with several fraudulent PPP applications. He allegedly got $22,000 which he then deposited partially into a personal account and partially gave to another company in furtherance of a $5.6 million Medicare kickback scheme.

Construction Company Owner (Washington D.C. – July 13)

Oludamilare Olugbuyi is charged with fraudulently obtaining two PPP loans totaling more than $400,000. Allegedly he submitted fake IRS 1099 Forms containing worker social security numbers that were invalid. The complaint claims he submitted a tax return reporting $175,565 income for tax year 2019. However, on April 14, 2020, Olugbuyi allegedly filed a 1040 “non-filer return” reporting $1 in income for 2019 which qualified him to receive a $1,200 economic impact payment.

The Cryptocurrency Investor (Texas – July 14)

Joshua Thomas Argires of Houston was arrested on various fraud charges. Argires allegedly filed two fraudulent applications seeking $1.1 million in forgivable funding. One was on behalf of a company called Texas Barbecue and the other called Houston Landscaping. Argires allegedly invested some of the proceeds in a cryptocurrency account and withdrew other funds via ATM transactions.

The Vegas High Roller (California – July 16)

It’s easy to take risks on day trading and gambling when you’re using taxpayer money. Andrew Marnell of Los Angeles is charged with bank fraud. He allegedly used aliases to obtain $8.5 million in aid using fake tax filings and falsified records of payroll costs. He allegedly blew through about $200,000 in Las Vegas casinos, where he was caught on surveillance cameras at a Bellagio blackjack table. Authorities also claim he lost $500,000 on risky stock market trades. Wells Fargo previously fired him for embezzlement, according to news reports.

Handmade Entrepreneur (Arkansas – July 16)

Ganell Tubbs, the entrepreneur owner of Little Piglet Soap Company and Suga Girl Customs, an Etsy shop, is charged with fraudulently obtaining nearly $2 million in PPP loans. Days later she paid $8,000 on her student loan and then went on a spending spree at Sephora and other retailers, it is alleged.

Ex-Microsoft Executive (Washington – July 23)

Mohan Mukand, who used to work for Microsoft and Amazon according to his LinkedIn profile, is charged with submitting 8 PPP applications on behalf of six companies. According to the U.S. Attorneys office, the companies didn’t exist or didn’t have the employees he claimed. Authorities allege he bought a company on the Internet in May with no employees, and then forged documents to claim he had paid millions in payroll taxes in 2019. He allegedly transferred a quarter million dollars of proceeds to his personal brokerage account.

High-Living Florida Man (Florida – July 27)

David T. Hines of Miami is charged with fraudulently seeking $13.5 million in PPP money using false statements about various companies’ payroll expenses. He was approved for $3.9 million. Days later he allegedly bought a 2020 Lamborghini Huracan sports car for $318,000. He also allegedly squandered money at luxury retailers and Miami resorts.

Miami Chiropractor (Florida – July 29)

Dennis Nobbe, a chiropractor in Miami, is charged with wire fraud, health care fraud, money laundering and conspiracy. He allegedly obtained $200,000 in Paycheck Protection Program and Economic Injury Disaster funds and used the money for personal expenses. Allegations also claim he perpetrated a credit card scam on low-income patients. He allegedly got patients to open credit cards to pay for out-of-pocket medical expenses for services he did not fully render.

Houston Partier (Texas – August 4)

Lee Price III is charged with making false statements to a financial institution, wire fraud, bank fraud and engaging in unlawful monetary transactions. He allegedly received over $1.6 million. He then went on a luxury buying blitz acquiring a Lamborghini Urus, a Rolex watch, a 2020 Ford F-350 pickup truck, and real estate — according to allegations. He allegedly squandered thousands at strip clubs and nightclubs.

The DOJ and U.S. Attorneys are using a variety of charges for enforcement, including wire fraud (18 U.S.C. § 1343) and making false statements to the SBA and FDIC-insured banks (18 U.S.C. § 1014). Depending on the charges, penalties could include up to $1 million in fines and up to 30 years in prison, legal experts say.

But of course, the government has to prove the allegations. Justice Department lawyers remind everyone that, “A criminal complaint is merely an allegation and a defendant is presumed innocent until proven guilty beyond a reasonable doubt in a court of law. ”

More Prosecutions on the Horizon

PPP money is still available and the current deadline for applying is August 8, 2020 (unless extended). A total of roughly $649 billion has been authorized by Congress, leaving $130 billion still available for small businesses as of July 24th.

Have we seen the last of PPP fraud prosecutions? No. New ones are being announced weekly. But it’s important to remember that 30 frauds out of 5 million loans is a minuscule number. The overwhelming majority of loans have no allegations of fraud surrounding them.

Still, a June report by the Government Accountability Office found, “there is a significant risk that some fraudulent or inflated applications were approved.” Treasury Secretary Steven Mnuchin announced that the Treasury Department would review every PPP loan over $2 million. However, the GAO recommended oversight of the more than 4 million smaller loans, also.

The government watchdog also pressed for safeguards and oversight plans to avoid double dipping. There’s a recommendation to audit COVID-19 unemployment benefits paid to workers rehired by employers using PPP loan funds.

Yet to Come: The PPP Forgiveness Process

Another wrinkle is the loan forgiveness process. Millions of small businesses eventually will apply for forgiveness. That’s bound to trigger another round of scrutiny.

In order to get Paycheck Protection loans forgiven and not have to repay the money, small business owners have to show proof that at least 60% of the money was used for payroll and the rest for other permitted expenses. A requirement of forgiveness is that borrowers must rehire or retain workers — and maintain salary levels.

The DOJ has signaled it may also pursue civil penalties not just criminal prosecutions, particularly around loan forgiveness. Principal Deputy Assistant Attorney General Ethan P. Davis noted in a June 26th speech: “When the borrower is ready to seek forgiveness of the loan, it has to certify that the funds were in fact used to pay costs that are eligible for forgiveness. If an applicant knowingly answers any of these questions falsely, it may face False Claims Act liability.”

This means you have to be just as scrupulous when applying for forgiveness as when you applied for the money initially. The False Claims Act can impose steep financial penalties, including treble damages.

If the PPP debt is not forgiven, the interest rate is very low — 1%. Businesses that have to repay the money get 2 years to repay if funding was issued before June 5. If you got funding after June 5, you have five years to repay. The PPP promissory note you signed will have the terms applicable to you. See the SBA website for updated forgiveness information.

Should Business Owners Be Worried?

It’s a scary thing for legitimate business owners to sign borrower certifications under potential penalties of fines and prison time. The SBA programs have complex rules. It could be easy to trip up innocently.

This has caused some entrepreneurs and business owners to think twice about applying. No one under pressure of this pandemic wants to fumble on a technicality while legitimately trying to pay employees and keep their life’s work afloat. One local businesswoman told me she prayed for two weeks before applying because of her fears over confusing requirements.

Representatives of the Department of Justice say honest owners acting in good faith shouldn’t worry. Stephen J. Cox, the U.S. Attorney for the Eastern District of Texas, wrote in an op-ed in Texas Lawyer:

“Rest assured that we will be careful not to discourage legitimate businesses from accessing the important financial resources that Congress made available through the CARES Act. We will not punish companies that accessed stimulus funds in good faith compliance with the rules. Nor, will we seek out applicants who made technical mistakes in processing paperwork or honestly misunderstood regulatory or certification requirements. Our focus is on fraud.”

Let’s hope the entire government is on the same page as Mr. Cox.

This article is not intended as legal advice. It’s intended to offer news and peer perspective on an important issue that affects us as business owners. Stay informed and check with your attorney and/or accountant with questions.

Case data source and image source: Justice.gov

This article, “30 PPP Fraud Prosecutions So Far, and Counting” was first published on Small Business Trends

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