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Small Biz Finance
WOJTOWICZ: Is small-business ownership for you?
November 30, 2012
Jean WojtowiczThe horror stories are sobering: Dun & Bradstreet reported earlier this year that businesses with fewer than 20 employees
have only a 37 percent chance of surviving four years and just 9 percent will be around 10 years.
MoreWOJTOWICZ: Lenders need financial statements to protect investment
August 27, 2012
Jean WojtowiczThe bank needs to know how your business is doing right now (usually the most recent 30 or 60 days), rather than rely on your
current year’s tax return that may have aged several months.
MoreWOJTOWICZ: It pays to know environmental requirements
June 29, 2012
Jean WojtowiczUnexpected problems add to the headaches of opening or relocating a business, and we hear a lot about the hang-ups of required,
but annoying, environmental investigations.
MoreWOJTOWICZ: Temporary program helps refinance commercial mortgages
February 24, 2012
Jean WojtowiczA recent study from Credit Suisse found that over $15 billion of small commercial mortgages (under $5 million) are coming
due in the next few years.
MoreWOJTOWICZ: Do homework before meeting business lender
December 19, 2011
Jean WojtowiczPrepare to talk in detail about your business, the plans you are making and the reasons for expanding before you show the
banker the facts and figures.
MoreWOJTOWICZ: Character always counts—even in loan decisions
September 23, 2011
Jean WojtowiczDuring these difficult times, small-business lenders are looking harder at intangibles—including a borrower’s
character.
MoreWOJTOWICZ: Missed tax payments could affect business loans
July 1, 2011
Jean WojtowiczProperty tax billing and collection were at their most confusing during the recession, when businesses were experiencing lost
revenue, poor projections and, in general, toughing it out as best they could.
MoreWOJTOWICZ: Relief available for firms with falling real estate values
June 3, 2011
Jean WojtowiczNew law allows banks to refinance existing real estate and equipment debt through the U.S. Small Business Administration 504
loan program.
MoreWOJTOWICZ: How to lay your hands on working capital
December 6, 2010
Jean WojtowiczSmall-business owners looking for working capital would be well-served to do their research in advance and can ask their bankers
about several approaches, including financing based on assets.
MoreWOJTOWICZ: Be careful when locking in low loan rate
August 27, 2010
Jean WojtowiczThis may be a golden opportunity for small-business owners to lock in a low rate to finance expansion. But make sure you understand
the loan agreement.
MoreWOJTOWICZ: Is it time to buy rather than lease space?
November 28, 2009
Jean WojtowiczBuying a building for your business is still possible in a tight lending market, but bankers will review real estate purchases
carefully.
MoreWOJTOWICZ: Stimulus is expanding small-biz lending
July 27, 2009
Jean WojtowiczThe economic stimulus package allocated $375 million to the U.S. Small
Business Administration so it could offer more generous terms to small-business borrowers.
MoreSmall Business Administration grants loans to Indy businesses
February 23, 2009
These businesses have received loans from financial institutions with a guarantee from the SBA.
MoreTo survive lean times ahead, small businesses must plan now
November 24, 2008
David CleggSmall businesses should plan for the worst while being attuned to what is happening in their industries, and to their customers.
MoreLean companies have best chance to survive
November 24, 2008
Jean WojtowiczMake your business look as attractive as possible to your banker because you are competing for financing with other small
businesses.
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Can IBJ please stop referring to this property as "Kessler Mansion"? What a ridiculous title for the biggest, bloated, blight in our city. It's not a mansion. At best, it's an ideal site to shoot low-budget porn. Ahhh! Another business use!
Its stories like these that prove that a Ball State diploma is worth less than the paper that its printed on. A real institution of higher learning would have taken care of this long ago. No way should this crap be taught in a SCIENCE class.
It is such a shame that King Ballard has made Indianapolis into Chicago south with all of the rampant corruption.
How many of these 1,259 bills were actually heard and voted on on the floor vs how many were shot down in committee?
When a an arrogant young guy with essentially no experience and no qualifications for the job, was dropped into an Administrator position out of nowhere by his "mentor" in the Mayor's office things seemed fishy. Sometimes things are what they seem.