Financing
*Each
resource within the
See
also:
*Arizona Department of Commerce: Small Business
Services
Small
Business Services provides
information and resources for every stage of your business development.
Small Business Services collaborates with state agencies and numerous business
organizations to promote entrepreneurship among small, minority-,
women-owned, and disadvantaged business enterprises.
http://www.azcommerce.com/BusAsst/SmallBiz/
*
*Assessing Risks and Financing Requirements
This
section gives some tips and tools that can help assess understanding your
market and the associated risks and finances required. The section of Business
Planning has related discussion on risk and finance requirements.
http://cals.arizona.edu/arec/pubs/dmkt/AssessingRisks.pdf
*Business Plans are More Important Now than Ever
This article from the
http://cals.arizona.edu/arec/pubs/dmkt/BusinessPlans.pdf
*A Business Plan is Important When Working with a
Lender
You
don’t have to borrow money to expand a business and make your dreams come true,
but borrowing money can make those dreams come true sooner than if you wait to
save all the necessary cash. This resource explains the process of working with
a bank lender to help with small business development.
http://cals.arizona.edu/arec/pubs/dmkt/ABusinessPlan.pdf
*Sources of Small Business Assistance
This is a resource list for the state of
http://cals.arizona.edu/arec/pubs/dmkt/SourcesSBus.pdf
*Step by Step Checklist to Start, Operate and Grow
a Business in
http://www.azcommerce.com/webapps/smallbusvr/intro.asp
*Beginner Farmer Program
The
Colorado Agricultural Development Authority (CADA) is an independent public
body established by statute in 1981. Its mission is to encourage the investment
of private capital in the agricultural sector through the use of public
financing for the purpose of making low-interest loans available to
agricultural producers for specified uses.
*
This is
a guide produced by the Colorado Department of Agriculture’s Division of
Markets. Financing for your business may be obtained from private investors,
lenders, and other financial institutions. This guide helps you evaluate which
option is best for you.
http://www.state.co.us/oed/guide/pdf/Guide13_Financing.pdf
*Colorado Department of Agriculture: Business
Development Tools
There are numerous publications on this page to
help with small business development. Resources include information on getting
started, developing marketing plans, and financing information.
*Colorado Rural Development Agricultural
Cooperative
Assists small agricultural producers in forming business cooperatives, in order
to stabilize and increase incomes. Offers Value-Added Agricultural Product
Market Development Grants (http://www.rurdev.usda.gov/rbs/coops/vadg.htm)
http://www.rurdev.usda.gov/co/
*
This is a list of financing options for
http://www.coopext.colostate.edu/boulder/AG/smallfarms.shtml
*
The Colorado Small Business Development Center
(SBDC) Network is dedicated to helping small businesses throughout
http://www.state.co.us/oed/small-business/index.cfm
*Colorado State Farm Service Agency
Works to stabilize farm income, help farmers conserve land and water resources,
provide credit to new or disadvantaged farmers and ranchers, and help farm
operations recover from the effects of disaster.
http://www.fsa.usda.gov/FSA/stateoffapp?mystate=co&area=home&subject=landing&topic=landing
*Micro Business Development
Micro Business Development (MBD), a
http://www.microbusiness.org/gui/content.asp?lang=en
*
http://arrowheadcenter.nmsu.edu/index.php
*New Mexico Department of Agriculture: Marketing
and Economic Development
This department of the NMDA helps with marketing
resources as well as licenses necessary for small food business in Mew
http://nmdaweb.nmsu.edu/marketing-and-economic-development
*
The NMSBDC is a partnership of the US Small
Business Administration, the state of
Agriculture Loan Programs
The Agriculture Loans Section of the Utah Department
of Agriculture and Food offers the following agriculture and rural loan
programs. For more information, call the Program Office at 801-538-7179.
http://ag.utah.gov/services.html#assist
Agriculture
Resource Development Loans (ARDL)—Low-interest
ARDL loans made for a maximum of 12 years at 3 percent interest with a one-time
administration fee of 4 percent. The objectives of the program are to: conserve
soil and water resources; increase agricultural yields for croplands, orchards,
pasture, range, and livestock; maintain and improve water quality; conserve
and/or develop on-farm energy; and reduce damages to agriculture as a result of
flooding, drought, or other natural disasters; and
Rural Rehabilitation Loans—Low-interest
loans for farms and ranches. Specifically, this program provides assistance to
those who want to buy, begin, or improve an agricultural operation but cannot
qualify for conventional financing. The current interest rates for these loans
are from 5 to 6 percent.
*State of
The mission of the Division of Marketing and
Development is to raise the awareness of
http://ag.utah.gov/marketing/promotion.html
*
The USBDC helps current and prospective business
owners, entrepreneurs, and others identify opportunities, develop business
plans, refine strategies, overcome challenges, and connect with resources as
they advance their business ventures.
*
This page has information about the small business
planning resources available through the
http://extension.usu.edu/agribusiness/htm/smallbusiness/centers
The Credit Process: A Guide for Small Business
Owners
The purpose of this booklet is to assist small
business owners or entrepreneurs who are seeking outside financing for the
first time. The goal is to highlight information that prospective borrowers
need to know about the credit process before they apply for a loan.
http://www.newyorkfed.org/education/addpub/credit.html
Evaluating a Rural
This is an exercise that will help evaluate the
financial component of a new business before spending time or money developing
the logistics of production or a full enterprise budget.
http://www.attra.ncat.org/attra-pub/evalrural.html#finass
Starting a Small Business: Funding and Program
Assistance
This resource guide contains links to full-text
resources and guides about issues to consider before starting a business, how
to start a business and develop business and marketing plans.
http://www.nal.usda.gov/ric/ricpubs/small_business.htm#funding
The Small Business Financial
Resource Guide
The sections of this guide
provide an introduction to business planning and financial success, available
public and private sources of lending and financial assistance, how to obtain
financing, resources for women business owners, and how to implement an
e-commerce strategy.
http://agebb.missouri.edu/mac/links/macresource.asp?record=530&category=92
Small Business Start Up Guide
Careful planning is fundamental
to success. The Small Business Planner includes information and resources
that will help you at any stage of the business lifecycle.
http://www.sba.gov/smallbusinessplanner/index.html
Starting an Ag-Business? A Pre-Planning Guide
This
book is intended to help agricultural business operators (and future business
operators) decide which enterprise is best for them to pursue with a full
fledged business plan.
http://agviability.cornell.edu/pdf/Pre-businessPlanWorkbook.pdf
Building Better Rural Places
This ATTRA publication is a very helpful resource
guide to figuring out which federal grant and loan programs can help finance
various innovative agricultural enterprises.
Small Business Administration: Grant Resources
The SBA is the largest source of long-term small
business financing in the nation. They help provide technical services for
small businesses as well as leads for grant opportunities. These grants
generally support non-profit organizations, intermediary lending institutions,
and state and local governments
http://www.sba.gov/services/financialassistance/grants/index.html
Small Farm Funding Resources
Find tools to
develop a business plan, write a grant proposal, and locate funding.
http://www.nal.usda.gov/ric/ricpubs/small_farm_funding.htm
Transition to Organic Fund
Value-Added Agricultural Product Market Development Grants
(VADG)
Established by the Agriculture Risk Protection Act of
2000, the VADG producer grant program provides funding for value-added
activities to independent producers including cooperatives, as well as
agricultural producer groups such as commodity groups and majority-controlled
producer-based groups. Contact your State Rural Development Office to obtain
additional information and assistance:
http://www.rurdev.usda.gov/rbs/coops/vadg.htm
Gary Mack
USDA Rural Development
Tel: 602-280-8717
E-mail: gary.mack@az.usda.gov
Colorado
Leroy W. Cruz
USDA Rural Development
655 Parfet Street
Lakewood, CO 80215
Tel: 720-544-2926
E-mail: leroy.cruz@co.usda.gov
Eric
Vigil
USDA Rural Development
Tel: 505-761-4952
E-mail: eric.vigil@nm.usda.gov
125 South State Street, Room 4311
Tel: 801-524-4328
E-mail: richard.carrig@ut.usda.gov
SARE grants are used to increase knowledge about
sustainable agricultural practices and to help farmers and ranchers adopt those
practices. The
Building Better Rural Places
This ATTRA publication is a very helpful resource
guide to figuring out which federal grant and loan programs can help finance
various innovative agricultural enterprises.
*A Business Plan is Important When Working with a
Lender
You
don’t have to borrow money to expand a business and make your dreams come true,
but borrowing money can make those dreams come true sooner than if you wait to
save all the necessary cash. This resource explains the process of working with
a bank lender to help with small business development.
http://cals.arizona.edu/arec/pubs/dmkt/ABusinessPlan.pdf
Cooperative State Research, Education, and
Extension Service (CSREES)
CREES has many funding opportunities, including the Assistive
Technology Program for Farmers with Disabilities - National AgrAbility
Project, which provides funds to increase the likelihood that farmers,
ranchers, farm workers or farm family members with disabilities and their farms
experience success.
The Farmers Guide to Agricultural Credit
http://www.coopext.colostate.edu/boulder/AG/Farmer%27s%20Guide.pdf
Farm Service Agency Farm Loan Program
Are you a farmer who is temporarily unable to obtain
private, commercial credit? This USDA/FSA program can help! Available loan
programs include:
http://www.fsa.usda.gov/FSA/webapp?area=home&subject=fmlp&topic=landing
Loans for Socially Disadvantaged People
The Farm Service Agency (FSA) can make and guarantee
loans to socially disadvantaged applicants to buy and operate family-size farms
and ranches. A socially disadvantaged farmer or rancher is one of a group whose
members have been subjected to racial, ethnic, or gender prejudice because of
their identity as members of the group without regard to their individual
qualities. For purposes of this program, socially disadvantaged groups are
women, African Americans, American Indians, Alaskan Natives, Hispanics, and
Asian Americans and Pacific Islanders.
http://attra.ncat.org/guide/a_m/socially_disadvantaged.html
*Micro Business Development
Micro Business Development (MBD), a
http://www.microbusiness.org/gui/content.asp?lang=en
Small Farm Funding Resources
Find tools to
develop a business plan, write a grant proposal, and locate funding.
http://www.nal.usda.gov/ric/ricpubs/small_farm_funding.htm
What do Lender Really Need to Grant Small Business
Loans?
This is an article from the
http://asbdc.ualr.edu/bizfacts/509.asp
Community Development Venture Capital
The CDVCA is the network for the rapidly
growing field of community development venture capital (CDVC) investing. CDVC
funds provide equity capital to businesses in underinvested markets, seeking
market-rate financial returns, as well as the creation of good jobs, wealth,
and entrepreneurial capacity.
National Association of Seed and Venture Funds
The NASVF is an organization of innovation
capital leaders: private, public and non-profit organizations committed to
building their local economies by investing in local entrepreneurs.
Alternative Marketing and Business Practices
This is a resources guide that has been compiled by
the National Agricultural Library’s