Every two weeks, we’re sharing and promoting free and affordable events that help small business owners run their businesses better. This is your bi-weekly calendar for in-person and virtual events in Northern and Southern California. Here are the best upcoming events from May 16 through May 31.

Every two weeks, we’re sharing and promoting free and affordable events that help small business owners run their businesses better. This is your bi-weekly calendar for in-person and virtual events in Northern and Southern California. Here are the best upcoming events from May 16 through May 31.

Northern California/Sacramento

Empowering Women Business Owners: Inspiration – How To Get It And Keep It
Date: May 19, 2017 | 12:30 pm PST – 2:00 pm PST
Location: San Francisco SBA Entrepreneur Center
455 Market St. Suite 600 San Francisco, CA 94105 (map it)
Contact: SFOmail@sba.gov | (415) 744-6820
Organization: U.S. Small Business Administration
Fee: Free

With all the advancements for women in business over the last several decades we have much to celebrate, but we also have a long road ahead. Inspiration is the key ingredient.

The empowerment of women in business is critical to the success of the overall economic fabric of our communities. This workshop will provide you with critical information you can put to use in your business endeavors immediately following the session.

Two of San Francisco’s most admired business women, Gwen Kaplan and Emily Wirowek, will share ‘real-world’ challenges and inspirations and ‘real-life’ solutions to propel your business forward as the leaders of this seminar. Now is the time to be inspired!

Click here to register for this event.

Small Business IT Best Practices
Date: May 24, 2017 | 9:00 am PST – 12:00 pm PST
Location: East Bay SCORE @ Cal State Center East Bay
1000 Broadway Suite 109 Oakland, CA 94607 (map it)
Contact: info@eastbayscore.org | (510) 273-6611
Organization: SCORE East Bay
Fee: $35

Organizations that embrace and leverage technology have a significant competitive advantage.  A modern business integrates technology with business processes to deliver security, control data, improve productivity, and quickly resolve issues.

In this seminar, you’ll learn best practices for future-proofing your organization’s IT including:

  • Risk Mitigation
  • Data Governance
  • Productivity
  • Maintenance & Support

Click here to register for this event.

SCORE Content Marketing Workshop
Date: May 25, 2017 | 10:00 am PST – 12:00 pm PST
Location: 801 R St. Suite 201 Fresno, CA 93721 (map it)
Contact: Chunny Boosa | chunny.boosa@scorevolunteer.org | (559) 492-9709
Organization: Central Valley SCORE
Fee: Free

You’ve heard of “Location, Location, Location” for real estate. For online marketing, it’s “Content, Content, Content!”

In this seminar, you’ll learn the building blocks of great content that engages customers:

  • The words: what to say and the way you say it (tone, date & time, frequency)
  • Audience engagement: attract, engage, and encourage sharing
  • Structure and tools: how to make content creation fast, easy, and effective
  • Content management made easy: time-saving tips, techniques, and apps to boost your content
  • Writing for different platforms: better email subject lines and repurposing content the right way
  • Visual aids: images, graphics, videos, and much more

Click here to register for this event.

Southern California/San Diego

Transform Your Business
Date: May 16, 2017 | 6:00 pm PST – 8:30 pm PST
Location: 77806 Flora Rd. Suite A Palm Desert, CA 92211 (map it)
Contact: Kim Scanlan | kscanlan@cvwbc.org | (760) 345-9200
Organization: Coachella Valley Women’s Business Center
Fee: $20

During this highly interactive and insightful workshop, you’ll discover how consistently attracting high-quality clients and relentless money management is the real keys to profitability. You’ll also learn that proper planning and energy utilization is the foundation of a balanced work and personal life. And, perhaps most important of you’ll find out and appreciate just what it is that you truly love about your transformed business.

Click here to register for this event.

Murrieta-Area Business Roundtable
Date: May 17, 2017 | 8:00 am PST – 9:00 am PST
Location: Murrieta Innovation Center
26442 Beckman Ct. Murrieta, CA 92562 (map it)
Contact: Diana Cescolini | diana.cescolini@scorevolunteer.org | (951) 652-4390
Organization: Inland Empire SCORE
Fee: Free

Come join business leaders and guest speakers in a great networking opportunities at a business roundtable meeting. This is a wonderful way to meet other business owners and discuss important topics crucial to the success of your business. Don’t miss out on this great networking opportunity.

Click here to register for this event.

Snapchat for Business
Date: May 17, 2017 | 6:00 pm PST – 8:00 pm PST
Location: Inglewood Public Library—Gladys Waddingham Lecture Hall
101 W. Manchester Blvd. Inglewood, CA 90301 (map it)
Contact: Martha Cinseros | mcisneros@elcamino.edu | (310) 973-3177
Organization:  SBDC hosted by El Camino College
Fee: Free

Snapchat is one of the fastest growing social networks of the decade. Since its inception in 2011, it has grown to 8 billion daily video views (head to head with Facebook) and 100+ million daily active users.

This platform is a content and storytelling haven. With an engaged user base, Snapchat delivers a marketing channel for the fast pace world we live in. As its user base continues to skyrocket, there is ample opportunity for businesses to take advantage of the attention on Snapchat. Brands like Taco Bell, Burberry, Sephora, Amazon and even Presidential candidates like Bernie Sanders are using it and seeing impactful results.

This interactive Snapchat for business class will provide step by step guidance:

  • How to navigate Snapchat: basic functionality
  • How to create content and build your tribe
  • How to develop a content strategy
  • How to repurpose your Snapchat content for other platforms
  • How to build a cross promotion strategy and plan of action for your business

Click here to register for this event.

Virtual

Time Management: Maximize Profitability, Achieve More by Doing Less
Date: May 16, 2017 | 8:00 am PST – 9:00 am PST
Location: Online—Webinar
Contact: Ian Rogers | rogersia@gvsu.edu | (616) 331-7262
Organization: Michigan Small Business Development Center
Fee: Free

The demands that take you away from focusing on your most important work cost you time, money and stress. Some research has found that with the many interruptions in our schedule on a daily basis, we lose 28% productivity! That equates to almost one full day a week!

The models discussed in this webinar are designed to assist busy professionals with organization, prioritization, and narrowing their focus to achieve more and take back their time allowing more time with themselves, family and friends.

Click here to register for this event.

How and Why You Should Track Your Cash Flow Weekly
Date: May 18, 2017| 10:00 am PST – 11:00 am PST
Location: Online—Webinar
Contact: webinars@score.org
Organization: SCORE
Fee: Free

Managing your cash flow can be a stressful endeavor for small business owners. But you don’t need an accounting degree to track this key metric.

In this webinar, you will learn the fundamentals of cash flow management, including how to:

  • Develop a cash flow budget on your own
  • Use the budget to make critical business decisions
  • Forecast the future of your business with more certainty

Click here to register for this event.

Can Your Business Keep Up with Today’s Customer?
Date: May 30, 2017 | 10:00 am PST – 11:00 am PST
Location: Online—Webinar
Contact: webinars@score.org
Organization: SCORE
Fee: Free

As social and mobile technologies change, businesses and customers interact differently. Customers are more sophisticated and knowledgeable than ever, but many small businesses don’t know how to adapt and keep up.

Join Laurie McCabe, six-time Small Business Influencer Award winner and Cofounder at SMB Group for this seminar where you will to learn:

  • Customer expectations: how and why they’re changing
  • Implications and challenges for small businesses
  • Tactics for sales, marketing, and service: keep pace with your customers

And more!

Click here to register for this event.

We’re looking for upcoming events to promote to small business owners like you. If you have an event you’d like to share with fellow business owners, contact us at sblending@opportunityfund.org.

For information about Opportunity Fund’s small business loans, please contact us at 866-299-8173 or loans@opportunityfund.org.  For questions about your existing loan or other customer service questions, please contact us at 866-299-8173 or sbhelp@opportunityfund.org.


Opportunity Fund is California’s largest and fastest-growing nonprofit lender to small businesses. Last year, we made $60M in loans to help more than 2,200 small business owners invest in their businesses.  Opportunity Fund invests in small business owners who do not have access to traditional financing. As a founding member and signatory to the Borrower’s Bill of Rights, we believe in the important role small businesses play in our community and the economy, and we aim to help owners financially succeed.

Visit us online at opportunityfundloan.org and follow us on Facebook and Twitter

This is your bi-weekly calendar for in-person and virtual events in Northern and Southern California. Here are the best upcoming events from April 3 through April 17.

Every two weeks, we’re sharing and promoting free and affordable events that help small business owners run their businesses better. This is your bi-weekly calendar for in-person and virtual events in Northern and Southern California. Here are the best upcoming events from April 3 through April 17.

Northern California/Sacramento

Food Business Entrepreneur Training Academy
Date: April 3, 2017 | 6:30 pm PST – 8:30 pm PST
Location: Dublin Library—Community Room
200 Civic Plaza Dublin, CA 94568 (map it)
Contact: (510) 208-0410
Organization: Alameda County SBDC
Fee: Free

The Alameda County SBDC and the Alameda County Community Development Agency offer a free ten-part seminar on “Running Your Own Food Business” for participants interested in launching and growing food businesses in Alameda County.

In this series, you will learn the basics to start and grow your own food business. Do you have a great idea and a burning desire to start a food product or restaurant/cafe business, but don’t know how? This series will help turn your idea into reality.

Starting with Session 1 – Defining Your Concept on April 3, we will discuss how to begin to take an idea for a new food company, and begin to explore how you can expand an idea into a business plan. We will also discuss other important factors in your business like:

  • Product – What (distribution channel options)
  • Target market – Who
  • Unique Selling Proposition (USP) – Why
  • Defining Success – Bottom line, triple bottom line, environmental and community impact
  • People
  • Shareholders/Stakeholders

Click here to register for this event.

SimpleSTEPS for Starting Your Business
Date: April 13, 2017 | 6:30 pm PST – 9:0 pm PST
Location: Simpkins Family Swim Center
979 17th Ave Santa Cruz, CA 95062 (map it)
Contact: Edward Fordyce | (831) 621-3735 | efordyce@santacruzscore.org
Organization: Santa Cruz County SCORE
Fee: $35

This SCORE workshop will give attendees an appreciation of what it takes to successfully start and grow a small business.  Drawn from the actual experiences of seasoned entrepreneurs and business leaders, this workshop is designed to help new and early-stage businesses by presenting a broad overview of the issues that may impact their success or failure, such as:

  • Start-up Myths
  • Critical Factors to Success
  • Business Opportunities
  • Marketing
  • Structure, DBA, Licenses, Insurance
  • Record Keeping & Taxes
  • The Goal
  • Cash Needs & Sources
  • Business Plans
  • Next Steps

To register for this event, click here.

The Veterans Business Outreach Center Presents: Business Basics Seminar
Date: April 13, 2017 | 2:00 pm PST – 5:00 pm PST
Location: Veterans Business Outreach Center
4608 Duckhorn Dr Sacramento, CA, 95834 (map it)
Contact: Catrina Avila | admin@vbocix.org | (916) 527-8400
Organization: Veteran Business Outreach Program
Fee: Free for veterans and military | $49 for non-VBOC clients

This training is designed for individuals interested in starting a business or currently in business for two or less years. Course includes business evaluation, market research, licensing and permit requirements, start-up cost, financing sources, insurance, cash flow analysis, legal structure, self-employment analysis, cash management, customer profile, protecting your business idea, and the reality of operating a business.

Click here to register for this event (non-VBOC members).

Southern California/San Diego

Keeping the Books: Business Accounting Basics
Date: April 4, 2017 | 12:00 pm PST – 2:00 pm PST
Location: LA Law Library
301 W. 1st St Los Angeles, CA 90012 (map it)
Contact: 213-785-2516
Organization: LA Law Library
Fee: Free

Every business decision must be made with an eye toward the bottom line. Learn to accurately assess your business’ financial outlook and plan for the future by understanding the basics of business accounting and finance.

This class covers:

  • How to apply the fundamentals of financial modeling to set realistic, achievable goals
  • How to apply basic accounting concepts to ensure an accurate financial snapshot of your business
  • How to use key financial statements like income, balance sheet, and cash flow

Click here to register for this event.

QuickBooks Boot Camp
Date: April 7, 2017 | 9:30 am PST – 4:00 pm PST
Location: 26455 Rockwell Canyon Rd Santa Clarita, CA 91355 (map it)
Contact: Lora Nelson | lora.nelson@canyons.edu | (661) 362-5900
Organization: SBDC hosted by College of the Canyons
Fee: $139

In this day long, fast-paced, and all inclusive workshop, participants will get a running start with QuickBooks 2016. You’ll learn many valuable skills, such as:

  • How to set up their company file from scratch
  • How to create a quality chart of accounts
  • How to create new vendors, customer, items, and accounts
  • How to pay bills, invoice customers, receive payments, make deposits and reconcile bank accounts

An introduction to the report center will be covered, including how to create a Profit & Loss Statement and a Balance Sheet.

This course is Ideal for business owners, office managers, and bookkeepers who are brand new to QuickBooks, as well as, existing users who would like some formal education in one of these QuickBooks features. Training held in a computer lab with limited seating. Please note that there will be a half an hour break lunch break. Lunch is not provided.

Click here to register for this event.

Retirement Planning For Small Business Owners
Date: April 12, 2017 | 5:30 pm PST – 8:30 pm PST
Location: La Habra Community Center—El Camino Room
101 W La Habra Blvd La Habra, CA 90631 (map it)
Contact: (714) 550-7369
Organization: Orange County SCORE
Fee: Free

Small businesses have generally not been very successful in terms of providing opportunities for their employees to save for retirement. Only 44% of small businesses offer retirement plans. Lots of business owners are so busy working in their businesses they haven’t even taken time to plan for their own retirement, let alone keep up with the constant tax law changes which affect retirement planning in general.

This workshop will help you understand which retirement plans you should use for the best results.

Click here to register for this event.

Virtual

Profitable Growth Through Smarter Business Choices
Date: April 5, 2017 | 11:00 am PST – 12:00 pm PST
Location: Online—Webinar
Contact: njsbdcnb@business.rutgers.edu | (848) 445-8790 or (848) 445-8796
Organization: NJSBDC at Rutgers-New Brunswick
Fee: Free

This free webinar from SBDC-Rutgers New Brunswick will teach you best practices for expense reduction and optimum cash flow management through better business decision making. You’ll learn how to lead your staff to key success outcomes like:

  • Make your business leaner and hyper efficient while improving quality of service
  • Negotiate bigger discounts and better terms with suppliers
  • Improve your cash flow
  • Help your business support staff focus on other more critical revenue generating business functions.

Click here to register for this event.

Your Plan for Your Business Plan
Date: April 5, 2017| 4:00 pm PST -5:00 pm PST
Location: Online—Webinar
Contact: Barry Black | midflorida@scorevolunteer.org | (352) 399-0050
Organization: Mid-Florida SCORE
Fee: Free

Nothing is more crucial to business success than planning. Learn how you can best develop your plan for your business.  A small business is like a gemstone – all the facets have to work together to make it brilliant.

Click here to register for this event.

Three Easy Steps to Being A Better Boss
Date: April 6, 2017 | 10:30 am PST – 11:30 am PST
Location: Online—Webinar
Contact: Larry Batten | larry.batten@sba.gov | (304) 623-7447
Organization: SCORE
Fee: Free

Times are changing. Retaining employees has become more difficult, customers have become more selective, and change seems to have become the only constant in business. Developing our leadership skills can dramatically improve our odds at not just managing business and its uncertainties, but feeling empowered around it all. Come learn three effective, yet easy to learn strategies to becoming a better boss.

Click here to register for this event.

We’re looking for upcoming events to promote to small business owners like you. If you have an event you’d like to share with fellow business owners, contact us at sblending@opportunityfund.org.

For information about Opportunity Fund’s small business loans, please contact us at 866-299-8173 or loans@opportunityfund.org.  For questions about your existing loan or other customer service questions, please contact us at 866-299-8173 or sbhelp@opportunityfund.org.


Opportunity Fund is California’s largest and fastest-growing nonprofit lender to small businesses. Last year, we made $60M in loans to help more than 2,200 small business owners invest in their businesses.  Opportunity Fund invests in small business owners who do not have access to traditional financing. As a founding member and signatory to the Borrower’s Bill of Rights, we believe in the important role small businesses play in our community and the economy, and we aim to help owners financially succeed.

Visit us online at opportunityfundloan.org and follow us on Facebook  and Twitter

Each month, we’re sharing and promoting free and/or affordable events that help small business owners run their businesses better. This is your monthly calendar for in-person and virtual events in Northern and Southern California. Here are the best upcoming events in March.

Each month, we’re sharing and promoting the free and/or affordable events that help small business owners run their businesses better. This is your monthly calendar for in-person and virtual events in Northern and Southern California. Here are the best upcoming events in March.

Northern California/Sacramento

Protect Your Business – Understand Employment Law
Date: March 9, 2017 | 6:00 pm PST – 9:00 pm PST
Location: Simpkins Family Swim Center
979 17th Avenue Santa Cruz, CA 95062  (map it)
Contact: John Yost | score0688@santacruzscore.org | (831) 621-3735
Organization: Santa Cruz SCORE
Fee: $35

Are you considering hiring employees? Don’t let yourself get caught on the wrong side of legal issues regarding employment. Join SCORE and employment Law Attorney Carmela Woll to learn about the following important legal issues in employment:

  • Hiring
  • Terminating
  • Top 10 Mistakes to Avoid
  • And more!

Click here to register for this event.

Money Matters: Cash Flow
Date: March 16, 2017 | 1:30 pm PST – 3:30 pm PST
Location: 455 Market Street 6th Floor San Francisco, CA 94105 (map it)
Contact: Angelique Gosse | angelique.gosse@sfgov.org | (415) 937-7232
Organization: San Francisco SBDC
Fee: Free

The second class of this three part training provides an in-depth coverage of business finances. Using adult learning techniques with the most modern tools the course will explain the four parts of a Cash Flow Statement and how to use it to run your business. The outcome of this training will allow the participants to make better informed business decision based on clear understanding of money matters and be able to increase profitability.

To register for this event, click here.

Small Business Tax and Record Keeping Workshop
Date: March 30, 2017 | 9:00 am PST – 12:00 pm PST
Location: 4990 Stockton Blvd Sacramento, CA 95820 (map it)
Contact: DHA-Stockton-Blvd-BIC@saccounty.net |(916) 875-3280

Organization: Sacramento County DHA Business Information Center
Fee: Free

Join Brenda Duran EA, BS Principal Tax Advisor BD Tax & Finance Group, Inc. for this free workshop on how to improve your tax and record keeping strategies.

Topics covered will include:

  • Setting up and running your business the right way
  • Federal taxes and your new business
  • Deductions and business related expenses
  • Filing and paying your taxes on time to avoid penalties
  • Essentials of running your home based business
  • Federal Unemployment Taxes

Click here to register for this event.

Southern California/San Diego

Free Small Business Seminar
Date: March 9, 2017 | 8:00 am PST – 1:00 pm PST
Location: Centro Maravilla Service Center
4716 East Cesar E Chavez Avenue Los Angeles, CA 90022 (map it)
Contact: Xiomara Peña | (818) 470-0377
Organization: Small Business Majority
Fee: Free

The Small Business Development Center in East LA, Small Business Majority, and the Small Business Finance CDC invite you to participate in this one-of-a-kind event. Join several business experts and speakers on topics that can help you grow and expand your business, including Opportunity Fund loan consultant Osbaldo Velazquez.

This FREE resource fair and event will include information about procurement opportunities, access to capital, social media and marketing, human resources and much more!

Multiple workshops will be offered during various time frames so that you can join the topics most important to your small business! Complimentary breakfast & lunch will be provided.

Click here to register for this event.

Guided Business Plan
Date: March 13, 2017 | 10:00 am PST – 2:00 pm PST
Location: 3255 Wilshire Blvd., Ste. 1501, Los Angeles, CA 90010 (map it)
Contact: (213) 674-2696
Organization: SBDC Pacific Coast Regional
Fee: $75

Is your banker, investor, or partner requesting your business plan? Attend the GUIDED Business Plan™ workshop to write a plan that engages your reader.

During the 4-hour session, you will write the first draft of the Executive Summary of your business plan. We prompt you to write the first words that come to mind. We remove the focus of trying to craft the perfect sentence for your business plan via brainstorming.

Our facilitators are able to quickly analyze a range of business models to provide constructive advice. Create your business plan the easy, simple and GUIDED way.

Click here to register for this event.

Credit Recovery
Date: March 21, 2017 | 1:00 pm PST – 3:00 pm PST
Location: 2075 Las Palmas Drive, Carlsbad CA 92011 (map it)
Contact: centerinfo@miracosta.edu | (760) 795-8740
Organization: North San Diego SBDC
Fee: Free

Join North San Diego SBDC for this workshop especially intended for anyone who has questions about their credit and credit reports.

Here’s how this seminar can help you:

  • Reading and interpreting your credit report
  • Defining and improving your credit scores
  • Identifying and correcting errors in your credit information.
  • Repairing your credit
  • Understanding the use of credit in the loan process
  • Taking next steps after being denied credit

Click here to register for this event.

Virtual

Two-Page Business Plan
Date: March 8, 2017 | 8:00 am PST – 9:00 am PST
Location: Online—Webinar
Contact: Stephen Konkle | stephen.konkle@sba.gov | (312) 886-4208
Organization: SBA Illinois District Office
Fee: Free

Writing a business plan might seem intimidating, but it’s an essential tool for any entrepreneur. Attend this webinar to learn how to craft and hone your two-page business plan. We’ll share best practices and answer your questions. Join SBA Economic Development Specialist Stephen Konkle for this webinar.

Click here to register for this event.

How Business Owners Can Get and Keep Strong Personal Credit Scores
Date: March 8, 2017| 8:00 am PST – 9:00 am PST
Location: Online—Webinar
Contact: Ian Rogers | rogersia@gvsu.edu | (616) 331-7262
Organization: Michigan SBDC
Fee: Free

When you’re a business owner, strong personal credit scores can be an asset by helping you qualify for a business credit card, an SBA loan, or other types of funding that take the owner’s personal credit into account. But if you’re not careful, your business can hurt your credit scores.

Join Nav Head of Market Education Gerri Detweiler for this webinar, where you’ll learn:

  • The big credit score mistake many small business owners make
  • The ways to protect your credit from your business
  • The fastest ways to boost your personal credit scores
  • And much more!

Click here to register for this event.

Basically Business: Social Media Know-How
Date: March 9, 2017 | 12:00 pm PST – 12:30 pm PST
Location: Online—Webinar
Contact: Kimberly Donahue | kimberly.donahue@sba.gov | 304-347-5220
Organization: SBA
Fee: Free

This basic webinar helps you choose social media platforms, and get the most out of them while securing your privacy, connecting with peers, and showcasing your expertise. You do it anyway, so let us help you do it right!

Click here to register for this event.

 

We’re looking for upcoming events to promote to small business owners like you. If you have an event you’d like to share with fellow business owners, contact us at sblending@opportunityfund.org.

For information about Opportunity Fund’s small business loans, please contact us at 866-299-8173 or loans@opportunityfund.org.  For questions about your existing loan or other customer service questions, please contact us at 866-299-8173 or sbhelp@opportunityfund.org.


Opportunity Fund is California’s largest and fastest-growing nonprofit lender to small businesses. In FY16, we made $60M in loans to help more than 2,200 small business owners invest in their businesses.  Opportunity Fund invests in small business owners who do not have access to traditional financing. As a founding member and signatory to the Borrower’s Bill of Rights, we believe in the important role small businesses play in our community and the economy, and we aim to help owners financially succeed.

Visit us online at opportunityfundloan.org and follow us on Facebook  and Twitter

Why You Should Do a Cash Flow Analysis

Knowing your business’ cash flow is the most important thing about running a small business. We asked one of our Business Development Officers, Shanna McClearn, why exactly it is important, common mistakes small business owners make, how you can better manage your cash flow, and how Opportunity Fund can help you.

Here at Opportunity Fund, our goal is to help small business owners like you make better financial decisions and get the right loans to help your business thrive. One of the most important things you can do for your business is to do a cash flow analysis on your finances.

To help you understand why cash flow analysis is important and how you can better keep track of your money, we asked one of our Business Development Officers, Shanna McClearn, what advice she has for you.

Why Is Cash Flow Analysis So Important?

Cash flow analysis simply means looking at your business’ influx and outflux of money. By having a detailed analysis of all your financial transactions, you will know exactly how much money should be in the bank.

If you don’t keep track of your cash flow, you run the risk of being taken advantage of. Employees could steal supplies and you would not know. Prices of merchandise could rise without your knowledge and this would really strain your budget. For example, one client we helped by creating her first ever cash flow analysis was paying her employees about 20% more than industry average. While this is a generous action it wasn’t sustainable. She did not realize this wage discrepancy was hurting her cash flow and ability to successfully finance her small business.

Common Mistakes Small Business Owners Make

When small business owners don’t feel like they have the expertise to manage their finances they let their accountant do everything. This blind trust could lead to problems of fraud or theft. If your small business financials are handled by an accountant, double-check everything they do. You don’t have to be a tax guru to see if something doesn’t look right.

When small business owners don’t keep physical copies and records. You should keep copies of everything in a safe place for future reference and insurance. If you don’t keep copies of your tax returns, you could be unaware of money you owe. This is why the IRS may place a lien on your business that would severely damage your chances of getting a loan.

When small business owners try to tackle payroll by themselves. Payroll is going to be any business’ biggest expense. Payroll also carries a high potential for tax errors. Investing in someone to manage payroll will be a worthwhile cost.

When small business owners extend credit to customers. If you extend credit to your customers, you run the risk of them not paying what they owe. Additionally, providing a service or a product before payment hurts your cash flow because you are relying on that payment to run your business. The exception is reliable, expected industry delays. For example, Walgreens may take up to 90 days to pay.

When small business owners assume automatic transformation of inventory to cash. When you buy a new machine or order new merchandise, it does not instantly turn into profit. A lot of small business owners mistakenly overestimate how soon products will sell or how soon they will see an increase in sales.

When small business owners, especially new immigrants, misreport on their taxes. Because you don’t want to pay a lot in taxes, you may be tempted to underreport profits or overreport losses. This is a bad idea because it will hurt your chances of getting outside financing and could get you in trouble with the IRS. It is better to work with a tax specialist to minimize your tax liability.

5 Tips To Manage Your Business’ Cash Flow Better

    1. Start with creating a profit and loss statement. Just check your business’ bank statement. In a spreadsheet or with your accountant, document every financial transaction including rent, utilities, payroll, supplies, loan/credit interest, insurance, and sales. Keep copies of all these bills.
    2. Keep all your paperwork organized, such as any invoices, tax returns, receipts, etc. The first thing lenders ask for is documentation. Opportunity Fund often finds that many small business owners don’t know their monthly sales average and would have to go look it up.
    3. Always save some of your profits. Don’t reinvest it all, because you need emergency funds. We recommend reserves that can support all your expenses for at least six months. You might need more cushion if your business industry is seasonally dependent such as taxes, ice cream, tourism, gyms, jewelry, etc.
    4. On an annual or semi-annual basis, review who you’re paying and what, like vendors and employees. Shop around for the best deal – just like you would for any personal purchase.
    5. Once you’ve started looking at your cash flow, keep track of it on a monthly basis for any changes.

Opportunity Fund’s Mission Driven Lending Helps You

Traditional banks may provide the lowest interest rates, but banks are also the hardest to qualify for. Unlike banks, Opportunity Fund looks at the person behind the numbers. Our goal is your success, so we want to make sure you have the best chance to get an easy-to-get, affordable loan.

Banks only look at official income reported to the government, such as on your W-2. Opportunity Fund includes any additional income you have in our analysis. We makes sure your sales cover all business and personal expenses with a cushion to weather slow times.

If you have an outstanding loan and are looking to refinance it, we use your current minimum payment. Traditional banks will calculate a new minimum payment based on the maximum you can pull out. If your credit card has a limit of $10,000, the bank will assume you maxed it out. This can really limit your cash flow.

Banks will want annual tax statements after they grant you a loan to review if you are at risk of defaulting on the loan. If your business shows a decline, they may “invite” you to pay it all off immediately and find financing elsewhere. Opportunity Fund doesn’t do this. Once we approve your business for a loan, we trust you.

Opportunity Fund has proven that with less documentation and more real conversations, we can still give loans and have good repayment from our clients. We are helping the whole alternative lending industry understand that helping small business owners like you by offering responsible loan options works even if you are classified as high-risk by traditional banks.

For information about Opportunity Fund’s small business loans, please contact us at 866-299-8173 or loans@opportunityfund.org.  For questions about your existing loan or other customer service questions, please contact us at 866-299-8173 or sbhelp@opportunityfund.org.


Opportunity Fund is California’s largest and fastest-growing nonprofit lender to small businesses. In FY16, we made $60M in loans to help more than 2,200 small business owners invest in their businesses.  Opportunity Fund invests in small business owners who do not have access to traditional financing. As a founding member and signatory to the Borrower’s Bill of Rights, we believe in the important role small businesses play in our community and the economy, and we aim to help owners financially succeed.

Visit us online at opportunityfundloan.org and follow us on Facebook and Twitter

Each month, we’re sharing and promoting free or affordable events that help small business owners run their businesses better. This is your monthly calendar for in-person and virtual events in Northern and Southern California. Here are the best upcoming events in August.

Each month, we’re sharing and promoting the free or affordable events that help small business owners run their businesses better. This is your monthly calendar for in-person events in Northern and Southern California and virtual events. Here are the best upcoming events in August.

Northern California/Bay Area

Financing your Small Business Workshop

Date: August 3, 2016 | 9:00 am PDT – 11:00 am PDT

Location: Veterans Business Outreach Center
4608 Duckhorn Drive Sacramento, CA 95834 (map it)

Contact: (916) 527-8400

Organization: Veterans Business Outreach Center

Fee: Free

This class reviews potential sources of capital to start, operate, and expand a small business. You will learn how to prepare for applying for a small business loan plus sources with expert help to guide you through the process. The class will also include insight into the most important conditions to a lender’s decision to approve or decline a loan request. The seminar will also cover how banks and other lenders operate with the impact of the current recession on their lending programs and how it all affects your ability to obtaining financing.

Click here for more information about this event.

Legal Issues for Small Businesses

Date: August 11, 2016 | 6:00 pm PDT – 9:00 pm PDT

Location: 234 E. Gish Road, Suite 100 San Jose, CA 95112  (map it)

Contact: (408) 453-6237 | info@svscore.org

Organization: Silicon Valley SCORE

Fee: $45 – Veterans can access a FREE promo code for the class here

This small business legal seminar is designed for startups as well as those already in business. When your business changes and grows, you must be prepared to respond to those changes. This is a unique seminar for business owner concerned about tricky legal issues when starting and managing a business. Key topics include how to choose of the type of legal business entity, protecting your identity, business contracts and leases, and many more legal issues that small businesses encounter every day.

Click here to register for this event.

Financial Analysis for Small Businesses

Date: August 18, 2016 | 1:30 pm PDT – 3:30 pm PDT

Location: 455 Market St 6th Floor San Francisco, CA 94105  (map it)

Contact: Angel Cardoz (415) 937-7232 or angel.cardoz@sfgov.org

Organization: San Francisco SBDC

Fee: Free

This workshop will cover different financial analysis methods. You will learn how to analyze your profit and loss report and how budgeting and cash flow forecasting can be used to track and project future monthly cash needs. Small business owners will learn how to use these reports to identify areas where they can increase their profits and business performance plus improve their cash flow management skills.

Click here to register for this event.

Southern California

Develop a Winning Business Plan

Date: August 9, 2016 | 6:00 pm PDT – 8:45 pm PDT

Location: Newport Beach Public Library Friends Room
1000 Avocado Avenue Newport Beach, CA 92660 (map it)

Contact: workshops@score114.org

Organization: Orange County SCORE

Fee: Free

A Business Plan is an important document for raising capital, helping you to monitor progress, and achieving your goals. When done correctly, it is a “living” document and tool that will help you manage the business beyond the start-up phase. We will help you prepare a realistic plan that will document your vision, goals, and strategy. No business should be started or maintained without a business plan.  You will learn the three financial statements and how they relate to risk and performance, taking the mystery out of forecasting. Pre-registration is recommended.

Click here to register for this event.

Why Do Small Businesses Need an Accountant?

Date: August 17, 2016 | 6:00 pm – 8:30 pm PDT

Location: Rancho Santiago Community College District
2323 N. Broadway, Room 107 Santa Ana, CA 92706 (map it)

Contact: David Calderon (714) 564-5200 | calderon_david@rsccd.edu

Organization: Orange County SBDC

Fee: Free

This interactive workshop led by CPA professionals from Mendoza & McDuffie, LLP will cover the basics of what small business owners need to know about accounting for their business. Get answers on why you need an accountant/CPA for the different phases of your business, which areas of expertise you need at each phase of your business, how to select an accountant/CPA, and more.

Click here to register for this event.

Loans for Your Small Business

Date: August 23, 2016 | 9:00 am – 12:00 pm PDT

Location: Menifee Chamber of Commerce – Upstairs Conference Room
29737 New Hub Drive Menifee, CA 92586 (map it)

Contact: Mary Takavorian (909) 983-0751 | Mtakavorian@iesmallbusiness.com

Organization: Santa Ana District SBDC

Fee: Free

Business owners have many options for securing capital for the business needs. Opportunity Fund Director of Microlending Daniel Fernandez and Carla Ulloa, CDC Small Business Finance, shed light on how business lending is changing and how not all lenders are playing by the rules. The seminar will provide information on Micro Loans under $50,000, how to identify the right type of loan for your type of business, and lending practices to be aware of so that you can be sure to avoid them. ADDED BONUS: If you are interested in getting pre-screened for a micro-loan, please bring supporting documentation to the event. You can access a list of the documents here.

To get more information about this event or to register, click here.

Virtual

5 Strategies to Boost Your Business Networking Skills

Date: August 10, 2016 | 10:30 am PDT – 11:15 am PDT

Location: Online – Webinar

Contact: Larry Batten (304) 623-7447 | larry.batten@sba.gov

Organization: U.S. Small Business Administration and SCORE Association

Fee: Free

Business networking is more than bumping into a potential customer.  This webinar will introduce you to 5 fundamental strategies that will kick start your ability to target and grow your client base.  Learn tips on building business relations, maximizing networking events, effective communications skills, and using social media.

Click here to register for this event.

Getting a Bank Loan: Fact v. Fiction

Date: August 19, 2016 | 8:30 am PDT – 9:00 am PDT

Location: Online – Webinar

Contact: Kimberly Donahue (304) 347-5220 | kimberly.donahue@sba.gov

Organization: U.S. Small Business Administration and SCORE Association

Fee: Free

What are the keys to walking into a bank and walking out with a business loan? SBA’s Leo Lopez, a former loan officer, breaks through the myths and tells you how to make the lender say “Yes” in this online seminar.

Click here to register for this event.

The Business Plan and Strategic Planning Webinar

Date: August 25, 2016 | 9:00 am PDT – 1:30 pm PDT

Location: Online – Webinar

Contact: (916) 527-8400 | admin@vbocix.org

Organization:  Veterans Business Outreach Center

Fee: Free

This online seminar can help small business owners understand how to write a viable business plan. The workshop discusses key components of developing and usage of a business plan. Topic matter includes executive summary, marketing strategy, financial strategy, competitive comparison, financial management, legal structure, tools to forecast business needs, cash management, and much more.

Click here to register for this event.

[CTA]

We’re looking for upcoming events to promote to small business owners like you. If you have an event you’d like to share with fellow business owners, contact us at sblending@opportunityfund.org.

For information about Opportunity Fund’s small business loans, please contact us at 866-299-8173 or loans@opportunityfund.org.  For questions about your existing loan or other customer service questions, please contact us at 866-299-8173 or sbhelp@opportunityfund.org.


Opportunity Fund is California’s largest and fastest-growing nonprofit lender to small businesses. Last year, we made $37M in loans to help more than 1,800 small business owners invest in their businesses.  Opportunity Fund invests in small business owners who do not have access to traditional financing. As a founding member and signatory to the Borrower’s Bill of Rights, we believe in the important role small businesses play in our community and the economy, and we aim to help owners financially succeed.

Visit us online at opportunityfundloan.org and follow us on Facebook  and Twitter

Don’t let these common mistakes trip up your small business. Our partner Nav shares a guest post from business accounting expert Chris Baskerville on how to avoid common pitfalls in small business management.

Sometimes the best lessons are learned by making mistakes, but you can skip the growing pains and avoid mistakes by reading this article about the common pitfalls in small business management. Our content partner Nav.com features a guest post by Chris Baskerville from his response to a question on Quora – What are the most common mistakes made by small to medium business owners?

Follow Chris on twitter @ChrisBaskervil

Speaking from my experience as a Chartered Accountant with over 10+ years experience in business reconstruction, insolvency, bankruptcy and liquidation, I can say that there are some common recurring mistakes made by Small to Medium Enterprises (SME).

The most common mistakes I see are:

1. Undercapitalization – this is like building a Boeing 747 airplane and leaving the tail off. You may not leave the ground on take off, or you may crash and burn shortly after achieving flight. I see too many businesses begin with very little capital and fall heavily reliant on debt with no alternate sources of equity. Without sufficient capital behind your business, you will fail.

2. Not reinvesting early year profits to achieve stabilization –another observation I have seen over many years is that all too soon, after a business starts to gain momentum, business owners want to upgrade their personal lifestyles (bigger cars, bigger houses, bigger holidays etc.) and not take those profits and reinvest them in the business to secure its long-term performance. In effect, business owners strip away the businesses’ precious resources that could be used for vital operations, or expansion.

3. Expanding too soon – this concept took me a while to understand as to why expanding a business could be a bad idea. I mean, is this not what the nature of business ought to be? What I have found is that expanding your business before it has the key resources (cash, access to equity, access to credit) or key structure in place (I.e., key staff or management, well entrenched business systems, secured supply lines in place) can lead to disaster. Don’t underestimate organic growth. It may appear slow at first, but it is solid growth.

4. Chasing turnover at the expense of profits – I have seen this many times in industries that are highly competitive (i.e., construction). Businesses that chase turnover “just to keep the boys employed” can lead to business failure, unless you are properly capitalized to weather the shortfall in work until more profitable contacts emerge. Take for instance employee costs; what some SMEs fail to realize is that employing staff incurs many costs that are not obvious (accrued annual leave, accrued long services leave, leave loading (extra money when you take holidays), work place injury insurance, payroll tax, to name a few). Such costs can be overlooked when pricing a job.

5. Failure to seek (and listen to) proper advice – many SMEs subscribe to the lyrics in Frank Sinatra’s song (My Way) of “…I did it my way”. This concept has merit and is an obvious driver of commerce in an economy, but not seeking advice from someone with a different perspective, or someone that is very knowledgeable in business transactions (accountants, lawyers, financial planners, strategy experts) can be deadly. Good business owners that I see, always seek counsel from someone with a bigger perspective and surround themselves with the right people and advisers.

6. Failure to deal with people – if people don’t like you, they won’t do business with you. Regardless of your personality type, it is a must to learn basic people skills. Without it, you can be “Hung by the Tongue”. This goes the same for dealing with your staff (who are your biggest asset) as they perform the tasks that business owners don’t want to do, or shouldn’t do on the quest to grow your business.

7. Not setting up the structure of the business correctly from inception – this is an extension of not “beginning with the end in mind” [Stephen Covey author of “The Seven Habits of Highly Effective People”] and of failing to seek proper advice. A good accountant or lawyer will be able to advise you of the best way to structure your business to achieve your business goals. It may initially cost a few thousand to get this right, but it is one of the best insurance policies you will take. Understanding the pros and cons of being a sole trader, company, trading trust, limited liability partnership is vital to know at the beginning of a business’ life. Good accountants and lawyers know this and will guide you here.

8. Failing to adapt to change – I have seen many multi-generational companies (i.e., companies that were handed down from father to son, or grandfather to son to grandson), with the newer generation failing to adapt to the changes in their industry. Instead, they adopted the thinking of the previous generation which is: “that is how we always did things”. Now with the rise of the digital age, businesses that fail to embrace technology or to see how to exploit it in their business are falling behind.

9. Taking on to too much – some major corporate failures have occurred as a result of taking on too much work. This is liken to promising too much and delivering too little. It may seem weird that taking on more work than you can handle can be a bad thing, but this can get you into trouble. You may have a short term win when you eventually complete the work, but at the expense of long term repeat, referral work. Not to mention the impact on staff working under high stress demand to complete work. I have seen some restructuring occur where we had to strip the business back to its core offering in order to survive, which did mean reducing the amount of work taken on.

10. Reliance on one key customer – this can be deadly, especially if that one key client is the government. This is because a change of government or government policy can mean the end of your business. Outside of government, if your one key customer fails in their business dealings, it is almost inevitably mean that you too will fail. Not to mention that business analysts see reliance on one key customer as ‘high risk’.

11. Greed – you could just about paint a brush across many business failures as being attributable to greed. Greed could be encompassed in a number of forms; treating the business as a personal piggy bank; fraud by officers; avoiding a low-flying life; or simply, shooting for a project, job or file that is well outside the capability and available resources of the business. Over extension due to greed places undue stress on the business assets which may lead to ultimate failure.

12. Loggerheads at management – a lot of business failure can be put down to a break down of relationships between the key managers of an organisation. This can include disputes between family members, disputes between partners, disputes between the relevant spouses of the directors of a business, the list goes on. Good businesses have agreements between the directors and shareholders (particularly in the SME space) as to how the relationship should work. I have always advised that agreements are not there for the good times, they are there for the bad times.

13. Failure to prepare a business plan – again this comes back to the teachings of Stephen Covey in not “beginning with the end in mind”. A business plan prepared prior to starting up a business makes you think about all the areas of the business and plan for those outcomes. Planning and mapping out the process will provide clarity and a sense of urgency to achieve your business goals. We don’t plan to fail, but we do fail to plan. There is a direct nexus and correlation between businesses that fail and the lack of business planning.

14. Failure to manage cash flow – cash flow is vital for all business operations. I liken cash to blood within our bodies. When you run out of blood, you die. It is all very good to appear profitable in your accounts, but it is not good if those profits don’t convert to cash in your bank account.

15. Inexperienced business people operating a business – I have often thought that putting potential directors of a company through a training and assessment system before entering into business would be a good idea. There is a ‘Grand Canyon sized gap’ between being an employee, mastering your trade craft and becoming a business owner. Those skills are mutually exclusive. You could almost be better off putting an experienced business person in charge of a plumbing business, rather than having an experienced plumber in charge of that same business.

Small Business Survival Rates

The odds are often against small business owners, especially at the beginning – but with these tips, you can avoid becoming a statistic (Photo courtesy of Small Business Planned)

Small Business Failure Rate: 9 out of 10?

Poor management is the number one reason for most SME failure. The economy has certainly added its contribution to failed businesses. Sadly, with most SMEs, the fate of the business is directly tied to the fate of the business owners’ family’s wealth, meaning that a collapse of the business almost inevitably leads to a loss of a family’s hard earned wealth. This also has knock on effects on domestic relationships.

Another sad observation is the SMEs can be reluctant to seek proper advice early when the signs of failure rear their ugly head, meaning that by the time advice is sought, it is almost inevitably too late. I call this “ostrich syndrome” (bury the head in the sand, hoping the problem will go away).

This article originally appeared on Nav.com and was re-purposed with their permission.

For information about Opportunity Fund’s small business loans, please contact us at 866-299-8173 or loans@opportunityfund.org.  For questions about your existing loan or other customer service questions, please contact us at 866-299-8173 or sbhelp@opportunityfund.org.


Opportunity Fund is California’s largest and fastest-growing nonprofit lender to small businesses. Last year, we made $37M in loans to help more than 1,800 small business owners invest in their businesses.  Opportunity Fund invests in small business owners who do not have access to traditional financing. As a founding member and signatory to the Borrower’s Bill of Rights, we believe in the important role small businesses play in our community and the economy, and we aim to help owners financially succeed.

Visit us online and follow us on Facebook and Twitter

Felipe Pacheco turned his lifelong passion for computing into a successful business by serving Latino business owners in need of point of sale systems and software. Tekxcel has grown to serve 130 customers in the Latino community thanks to a micro business loan from Opportunity Fund.

Our customers inspire us every day and we want to regularly share those stories to inspire you, too. This week, read about Felipe Pacheco of Tekxcel in San Jose.  The former network administrator at Oracle turned his lifelong passion for computing into a successful business by serving Latino business owners in need of point of sale systems and software.  

Connecting Latino Business Owners to Technology Solutions

When Felipe Pacheco started Tekxcel in 2008, he saw a need within the Latino business community for improved point of sale systems, including restaurants, retail, and professional offices.

“We saw there was room for a company that could get computer systems to those customers,” Felipe said. “We noticed that most of them didn’t have those systems.”

Felipe got his start in the technology sector by working as a network administrator, most notably at Oracle.  He felt a strong pull toward entrepreneurship, which led him to the previously untapped Latino business owner market.  He also helps these underserved entrepreneurs by cutting through the Spanish language barrier.

He put his two strongest interests together to create a unique Silicon Valley small business, but financing challenges made it difficult for his business to thrive.

Opportunity Fund Helps Tekxcel Stay Online

Initially Felipe wanted funding to secure Tekxcel’s cash flow and improve his equipment inventory.

“When we first started, we had to wait to get payments from some of our clients,” he said.  “I needed equipment ready for installation.  Now we have everything we need.  Before, we were always running to the store to buy tools or cables when installing a system.  We don’t have to do that anymore.”

Felipe’s search for funding included unsuccessful attempts with his bank and other alternative lenders.  Tekxcel’s cash flow issues made it difficult for Felipe to get the financing he needed.

Opportunity Fund loan consultant Miguel Angel Barreras helped Tekxcel with a $10,000 loan in 2013. The partnership continued through two additional loans for $15,000 and $20,000 respectively.

“We got advertising for other lenders, but I said no to them,” Felipe said. “If I need something, I go to Opportunity Fund.   They said yes to me.”

Felipe Pacheco - Tekxcel

Felipe Pacheco, owner of Tekxcel Point of Sale Solutions, smiles while at work (Photo courtesy of Christian Peacock)

Since partnering with Opportunity Fund, Tekxcel has been able to keep a complete inventory.  He also credits Opportunity Fund for helping him improve his credit score thanks to on-time payments and affordable rates.  “My score has improved a lot, maybe by a couple of hundred points,” he said.

Felipe pointed out that while it was hard for him to break into the market due to difficulties with convincing business owners to start using updated computer systems, Tekxcel has expanded over the last three years to serve more than 130 customers in retail, restaurants, and other industries.

We’ll be there to support the next wave of Tekxcel’s growth.

We hope this story has inspired you, too.  At Opportunity Fund, we offer easy-to-get, fast, and affordable small business loans to help small business owners succeed.  Visit our home page to find out more.


Opportunity Fund is California’s largest and fastest-growing nonprofit lender to small businesses. Last year, we made $37M in loans to help more than 1,800 small business owners invest in their businesses.  Opportunity Fund invests in small business owners who do not have access to traditional financing. As a founding member and signatory to the Borrower’s Bill of Rights, we believe in the important role small businesses play in our community and the economy, and we aim to help owners financially succeed.

Follow us on Facebook and Twitter

When small business owners need cash fast, Merchant Cash Advances (MCAs) seem like a good solution. Read about how MCAs will actually drag your small business under and how our EasyPay loans can pull your business out of debt.

What is a Merchant Cash Advance?

Merchant Cash Advance (MCA) is one type of alternative lending available to small business owners. These advances are not classified as loans because the MCA company offers a cash amount upright that is repaid through a percentage of future debit/credit card transactions. Think of an MCA as a payday loan for businesses.

MCA appeals to many small business owners because they can get an advance approved quickly, without collateral backing, and even with bad credit. This type of lending is also appealing because the payment process seems flexible — daily deductions from sales rather than fixed monthly payments.

Why Merchant Cash Advances Are Bad For Small Businesses

Although MCAs may seem like a good solution for immediate financial need, the cost of hidden fees and tricky wording simply isn’t worth it. Take a look at this colorful infographic that illustrates how MCAs are bad for your small business in the long run.

Merchant Cash Advance Infographic

See visually how MCAs drags your business under and how Opportunity Fund can help. (Image courtesy of Ashlyn Smith)

How Opportunity Fund’s EasyPay Program Helps

Opportunity Fund’s EasyPay loan program provides an easy-to-get, affordable alternative to expensive Merchant Cash Advances. With an EasyPay loan, small business owners like you can get a loan from $5,000 up to $100,000 for working capital and refinancing your current MCA.

  • Unlike MCAs, EasyPay takes a more affordable percentage of your monthly credit/debit card receipts.
  • Reduce your APR from over 80% down to 15% on average.
  • No hidden fees or pre-pay penalties, with only a 5% loan funding fee.
  • Reduce your monthly payments by up to 75%.

If you currently have an existing MCA, Opportunity Fund can help refinance your balance with much lower payments and lower interest rates. As a responsible lender dedicated to helping small business borrowers succeed, we make sure you can comfortably repay the loan, maintain positive cash flow, and maintain good credit.

For information about Opportunity Fund’s small business loans, please contact us at 866-299-8173 or loans@opportunityfund.org.  For questions about your existing loan or other customer service questions, please contact us at 866-299-8173 or sbhelp@opportunityfund.org.


Opportunity Fund is California’s largest and fastest-growing nonprofit lender to small businesses. Last year, we made $37M in loans to help more than 1,800 small business owners invest in their businesses.  Opportunity Fund invests in small business owners who do not have access to traditional financing. As a founding member and signatory to the Borrower’s Bill of Rights, we believe in the important role small businesses play in our community and the economy, and we aim to help owners financially succeed.

Follow us on Facebook and Twitter

Opportunity Fund. Working Capital for Working People. opportunityfund.org