Small business loans

Small biz lending starting to thawRestricted Content

April 5, 2014
Dan Human
More small businesses in Indiana are securing loans as owners learn to present their companies better and banks warm to small-business lending after years of hesitation.
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Angel-investing event may bolster startupsRestricted Content

August 10, 2013
Chris O'Malley
An emerging network of angel investors from around the state will team with Indiana University next month on a workshop that will put them in the same room with entrepreneurs who’d like their backing.
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WOJTOWICZ: Lots to consider when weighing mortgage payoff

June 21, 2013
Jean Wojtowicz
You certainly don’t want to keep paying a mortgage if it restricts your business in other areas. But you don’t want to cough up too much at once and have the same effect.
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WOJTOWICZ: Prepare, then apply for small-business loan

March 4, 2013
Jean Wojtowicz
To write (or refresh) your mission statement, think about what you do, how you do it and why you want to do it.
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Microlenders aim to help businesses grow, survive

January 5, 2013
Andrea Muirragui Davis
Indiana has three certified, not-for-profit SBA microloan intermediaries, which not only make short-term microloans—as any lender can—but also use the SBA grants they receive to offer business coaching along with the financing.
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Indiana SBA lending drops in 2012, but still exceeds 2010Restricted Content

December 8, 2012
Indiana businesses borrowed $424.7 million through U.S. Small Business Administration programs in 2012, an 18-percent decline from 2011, latest SBA statistics show.
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WOJTOWICZ: Lenders need financial statements to protect investment

August 27, 2012
Jean Wojtowicz
The 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.
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Web startup aims to connect private businesses, investors

July 28, 2012
Andrea Muirragui Davis
Private firms that need to raise relatively modest amounts of capital have a hard time finding money. Now three Indianapolis entrepreneurs think they have the answer: crowdfunding. Individuals make small investments that are aggregated to fund a business. Indianapolis-based Localstake wants to be the matchmaker.
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WOJTOWICZ: It pays to know environmental requirements

June 29, 2012
Jean Wojtowicz
Unexpected 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.
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Not-for-profit hoping to grow microloan program

May 26, 2012
Scott Olson
Small amounts of funding often ignored by larger banks.
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SBA lenders optimistic about year's loan outputRestricted Content

March 10, 2012
Scott Olson
Volume nevertheless is expected to fall short of last year's record numbers
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WOJTOWICZ: Temporary program helps refinance commercial mortgages

February 24, 2012
Jean Wojtowicz
A 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.
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WOJTOWICZ: Do homework before meeting business lender

December 19, 2011
Jean Wojtowicz
Prepare 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.
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WOJTOWICZ: Character always counts—even in loan decisions

September 23, 2011
Jean Wojtowicz
During these difficult times, small-business lenders are looking harder at intangibles—including a borrower’s character.
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Global micro lender Grameen ramps up in IndianapolisRestricted Content

August 6, 2011
Low-income women could receive loans in weeks.
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Small Business Administration announces top state lenderRestricted Content

July 16, 2011
 IBJ Staff
The Indiana Statewide Certified Development Corp. has been recognized as the most robust lender through the SBA's 504 loan program.
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WOJTOWICZ: Missed tax payments could affect business loans

July 1, 2011
Jean Wojtowicz
Property 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.
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WOJTOWICZ: Relief available for firms with falling real estate values

June 3, 2011
Jean Wojtowicz
New law allows banks to refinance existing real estate and equipment debt through the U.S. Small Business Administration 504 loan program.
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WOJTOWICZ: How to lay your hands on working capital

December 6, 2010
Jean Wojtowicz
Small-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.
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Small-business lending rises 30 percent in Indiana

November 13, 2010
Francesca Jarosz
The amount of money banks loaned through U.S. Small Business Administration programs shot up close to 30 percent in Indiana this year, a sign that the state’s small businesses—including Pat Wolfred’s CCA Inc.—have started coming back to life.
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WOJTOWICZ: Be careful when locking in low loan rate

August 27, 2010
Jean Wojtowicz
This 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.
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Small-biz lending on the rise

April 1, 2010
Scott Olson
Federal loan programs that help fund company expansions are seeing more activity from program administrators in Indianapolis.
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Obama's stimulus aims to boost access to small-biz loans

February 20, 2010
Peter Schnitzler
No incentive can make a bad deal bankable. But President Obama's stimulus measures are spurring some promising small businesses to begin borrowing again, despite the recession.
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SBA loan approvals - November 2009

December 26, 2009
SBA loan approvals above $100,000 for the Indianapolis area for November 2009
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SBA loan approvals - October 2009Restricted Content

November 28, 2009
 IBJ Staff
SBA loan approvals for the Indianapolis area for October 2009.
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  1. The $104K to CRC would go toward debts service on $486M of existing debt they already have from other things outside this project. Keystone buys the bonds for 3.8M from CRC, and CRC in turn pays for the parking and site work, and some time later CRC buys them back (with interest) from the projected annual property tax revenue from the entire TIF district (est. $415K / yr. from just this property, plus more from all the other property in the TIF district), which in theory would be about a 10-year term, give-or-take. CRC is basically betting on the future, that property values will increase, driving up the tax revenue to the limit of the annual increase cap on commercial property (I think that's 3%). It should be noted that Keystone can't print money (unlike the Federal Treasury) so commercial property tax can only come from consumers, in this case the apartment renters and consumers of the goods and services offered by the ground floor retailers, and employees in the form of lower non-mandatory compensation items, such as bonuses, benefits, 401K match, etc.

  2. $3B would hurt Lilly's bottom line if there were no insurance or Indemnity Agreement, but there is no way that large an award will be upheld on appeal. What's surprising is that the trial judge refused to reduce it. She must have thought there was evidence of a flagrant, unconscionable coverup and wanted to send a message.

  3. As a self-employed individual, I always saw outrageous price increases every year in a health insurance plan with preexisting condition costs -- something most employed groups never had to worry about. With spouse, I saw ALL Indiana "free market answer" plans' premiums raise 25%-45% each year.

  4. It's not who you chose to build it's how they build it. Architects and engineers decide how and what to use to build. builders just do the work. Architects & engineers still think the tarp over the escalators out at airport will hold for third time when it snows, ice storms.

  5. http://www.abcactionnews.com/news/duke-energy-customers-angry-about-money-for-nothing

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