Page 0073

Page 72 MAY 2017 | RETAILERS FORUM MAGAZINE

forumworkshop

FORUM WORKSHOP

continued...

This may be what amounts to a start-up grant

either through an outright donation to the

cause or a low-cost, long-term loan. If the business prospers,

the angel may expect a return. If

not, the angel can walk away from the endeavor

knowing he tried to help someone

where it counts. Finding your angel - that's a

challenge! It's more likely they'll find you, so

don't count on their help.

INSTITUTIONAL LENDERS

Good advice to the contrary, you may decide

it's worth investigating your chances for a business loan

from a local lending institution. This

may prove an exercise in futility, especially if

the store is your first stab at self-employment.

You may have good personal credit, and a good

relationship with your local loan officer, but it may not be enough to get the loan you need.

Make your case, in person and on paper. If all

else fails and you need the funding, consider

asking for a personally guaranteed loan. It's not

the best situation, but if the store really matters,

you'll have little trouble living with the commitment.

Also check in with

the area office of the

Small Business Administration

and see if you qualify for one of its

guaranteed loans. The application process is

thorough, and funds are limited. But you won't

know if you qualify until you apply. The SBA

exists to help people like yourself start businesses, and

part of that support includes helping

those who meet its criteria secure the

necessary funding.

SBA

www.watchdealers.net

DESIGNER • FASHION • LUXURY • SPORTS • UNISEX • SINCE 1977

BRAND NAME WATCHES

SEIKO AUTOMOATIC

MEN'S WATCH

$130.00

BOLOVA CLASS TWO

TONE MEN'S WATCH

$150.00

MOVADO BLACK DIAL

MEN'S WATCH

$78.99

KENNETH COLE NEW

YORK MEN'S WATCH

$95.39

EMPORIO ARMANI

2-TONE MEN'S WATCH

$188.00

BULOVA MOTHER OF

PEARL WOMEN'S WATCH

$102.00

KENNETH COLE

BRACELET WOMEN'S WATCH

$84.00

SEIKO

LEATHER WOMEN'S WATCH

$109.25

MOVADO

WOMEN'S WATCH

$44.99

FREDERIQUE CONSTANT

DECO WOMEN'S WATCH

$650.00

CLOCKS

WATCH BANDS

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