Are you an entrepreneur trying to take your business to the next level? Have you always wanted to launch your own business, but have never quite made it happen? For the active and aspiring entrepreneur, tune in to hear nuggets relating to all aspects of running your business.
Bringing you these nuggets are Vernon Williams, of Brighton Financial, and Anna Swartz-Lopez, of Maestro Capital Solutions. Vernon helps business owners and real estate investors mitigate risk, and Anna connects entrepreneurs to capital sources.
Is your small business struggling because of the lock downs? Have you already used the Paycheck Protection Program money, and still need help to keep your employees on Payroll? What options do you have? Thankfully, there are a few still available.
3 Dec 2020
How do I leverage my company's Accounts Receivable?
Are you a startup company, performing well, but having trouble getting financing? Are you a high growth company and your bank won't support your funding request? Is your credit poor and nobody wants to lend to your company? Accounts Receivable financing can provide an alternative financing route to support your company.
19 Nov 2020
What's a Professional Employer Organization, or PEO?
Do you need help with the HR and administrative aspects of your business? Are you paying unnecessarily high premiums for unemployment insurance and workman's comp? A professional employer organization (PEO) provides comprehensive HR solutions for small and mid-size businesses. Payroll, benefits, HR, tax administration, and regulatory compliance assistance are some of the many services PEOs provide to growing businesses across the country.
12 Nov 2020
Financing Equipment
Does your business need equipment? What are the benefits of leasing instead of buying? Should I bring in a business partner, or an alternative lender, to fund my business? What is an MCA and how do I use it? This episode continues the overview of types of business finance, to give small business owners an understanding of what is and is not available to them when their business needs funds.
5 Nov 2020
Workman's Comp: A How To Guide
Following up on the last episode which gave a bird's eye view to workman's comp insurance, this episode gives specific steps of action that a small business owner can take to make sure all the state mandated bases are covered. Where do you go for help to sort through all the necessary compliance procedures?
29 Oct 2020
Workman's Comp: The Devil Is In The Details
If you ask an employee to pick up coffee on the way into work, do you really need a workman's comp policy? If an employee trips and falls at your office, do you need to file a worker's comp claim? When do you need a workman's comp policy in place, and when do you not? How do you keep your policy premiums low and make sure your coverage is complete?
22 Oct 2020
Money, Wealth, Life Insurance
How do the wealthy use life insurance as a financial tool? How can life insurance be a tool in your financial toolkit for your business? Or for your retirement? Or for your child's education? What is your strategy for life insurance, and how can it assist your other financial goals?
15 Oct 2020
Types of Business Debt: lines of credit and retirement
We continue our overview of types of business funding available with a discussion of secured and unsecured lines of credit. Also, in a down economy, what actions may a bank possibly take that can severely impact your credit, even if you don't change your behavior? In addition, what is a common method of funding franchises, and what dangers does it pose?
8 Oct 2020
Debt for Business Financing: Trade lines and credit cards
In this first part of an series on types of business debt, we discuss vendor credit, as well as the most commonly used small business startup financing tool: credit cards. We also go over six mistakes people make when using credit cards to finance their business. Are you doing everything you can to build your credit wisely?
1 Oct 2020
Do I want Equity Investors in my Business?
There are two main types of financing for businesses, Equity and Debt. There are four main types of Equity Investors, each with their own benefits as well as limitations. 1) Friends and Family, 2) Angel Investors, 3) Venture Capital, and 4) Private Equity. Are you looking for an equity partner for your business? Do you understand which kind of investor best suits your needs?
24 Sept 2020
Wildfires, Earthquakes, and Hurricanes, Oh My!
Is your business prepared for natural disasters? Here in California, we are seeing the damage wildfires can cause. Are you covered in case of a disaster? What are the changes in the insurance industry you should be aware of?
17 Sept 2020
Should You Invest In Real Estate During A Pandemic?
For the newbie real estate investor who has taken the time to get educated and felt ready to buy that first property, the immediate question is: should I invest during a pandemic? The pandemic has heightened the importance of having a solid action plan, but it has not changed the fundamental risks and opportunities of real estate investment. Some things to consider before moving forward: What's your exit plan? To flip or not to flip? Do you know your local market? Are you screening tenants properly?
Chaos breeds opportunity. Are you positioning yourself well for the future?
10 Sept 2020
Your Business and Your Liability
Are you getting bogged down in intricacies of business insurance? Do you know you need insurance, but are not quite sure which kind? What are the different kinds of insurance you should be thinking about for your business? This episode provides an overview of basic insurance types and when they may or may not apply to you. BONUS: how has COVID-19 impacted all of this?
3 Sept 2020
How to Get Rid of the Rent Payment
Are you ready to own the building where your business operates? Do you want to make that move, but don't know what steps to take? Have you heard of SBA financing, but are not quite sure where to start? Or perhaps the bureaucracy was too much to wade through? In today's podcast, Vernon and Anna discuss the outlines of SBA funding programs, and how to simplify the process for yourself.
27 Aug 2020
Protect Your Home With Business Credit
If your business partner's son is a bad driver, can that cost you your home? Without the correct legal, insurance, and credit structure in place, absolutely! How does business credit help you protect your personal finances? The "corporate veil" separates business liability from personal liability, and small business owners can unknowingly leave themselves exposed if they fail to keep their personal and business finances completely distinct.
20 Aug 2020
Health Insurance During COVID
What are your options for health insurance during a pandemic? What should you be doing? What can you do? Listen to an overview of the world of health insurance from an insurance expert, Vernon Williams of Brighton Financial.
13 Aug 2020
Offense is Great, but How's Your Defense?
When you are running a business, making money is only part of being successful. Your business needs to generate income, yes, that's the offense part - and protecting your assets is the defensive part. How do you protect your business from losing the money you have earned? A successful business owner needs a comprehensive plan that incorporates offensive AND defensive aspects. How is your overall business plan? Are you protected?
6 Aug 2020
How Do I Build My Credit?
What are the five main components of your credit profile? Is paying on time every month enough to have great credit? What is the difference between my credit report and my credit score? What is likelihood of approval, and why should I care about it?
30 Jul 2020
Credit is a Tool, not a Trophy
Is "PERFECT CREDIT" really something I want? What credit score will get me loan approval? (Warning, trick question!) What is the difference between my credit score, my credit report, and my likelihood of approval? What are the five elements of credit? Is a lender ever "doing me a favor" by offering me a loan?
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