FINANCING YOUR BUSINESS

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=110 BGCOLOR="#000099" TEXT="#F7F7FF"> <div> <B> <TABLE BORDER="0" CELLPADDING="2" CELLSPACING="1" WIDTH="797" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=CENTER HEIGHT= 51 WIDTH="667"><div> <B>The IOWA SMALL BUSINESS Web Site</B></div> <div> FINANCING YOUR BUSINESS</div> </tD> <tD VALIGN=TOP><NOBR><div> <A HREF="index.htm" TARGET="_top" TITLE="The IOWA SMALL BUSINESS Web Site"><U><B><IMG SRC="4df72140.png" border=0 width="114" height="20" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> <div> <A HREF="id106.htm" TARGET="_top" TITLE="The Iowa SMALL BUSINESS Newsletter"><U><B><IMG SRC="4e072150.png" border=0 width="114" height="21" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> </NOBR></tD> </tR> <tR> <tD VALIGN=CENTER COLSPAN=2 HEIGHT= 29 ><NOBR><div> <FONT SIZE="1" COLOR="#FFFF99" FACE="Arial" ><B>Presented by</B></FONT><FONT SIZE="4" COLOR="#FFFF99" FACE="Arial" ><B> </B></FONT><B>W</B><FONT SIZE="4" COLOR="#FFFF99" FACE="Times New Roman" ><B>IEDER </B></FONT><B>A</B><FONT SIZE="4" COLOR="#FFFF99" FACE="Times New Roman" ><B>SSOCIATES </B></FONT><FONT SIZE="1" COLOR="#FFFF99" FACE="Times New Roman" ><B>pc</B></FONT><FONT SIZE="4" COLOR="#FFFF99" FACE="Arial" ><B> </B></FONT><FONT SIZE="1" COLOR="#FFFF99" FACE="Arial" ><B>           Certified Public Accountants & Business Advisors</B></FONT></div> </NOBR></tD> </tR> </TABLE></B></div> <bR> <bR> <DIV ALIGN="LEFT"></DIV> <div> <B>         </B><FONT SIZE="4" COLOR="#FFFF99" FACE="Bahamas" ><B>           </B></FONT><FONT SIZE="2" COLOR="#FFFF00" FACE="Bahamas" ><B>   </B></FONT></div> <div> </div> </td> </tr><tr> <td valign="top" width=140 BGCOLOR="#000099" TEXT="#F7F7FF" background="5278c8c2erkqpg.jpg"> <div> <A HREF="id72.htm" TARGET="_top" TITLE=" MoneyMaking TIPS for Small Business Own"><U><B><IMG SRC="0560e0e0.png" border=0 width="14" height="14" ALT="up" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A><B>  </B><IMG BORDER="0" SRC="1x1.gif" HEIGHT="14" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" WIDTH="14"><B>     </B><A HREF="id35.htm" TARGET="_top" TITLE="FINDING AND KEEPING EMPLOYEES"><U><B><IMG SRC="0580e0e0.png" border=0 width="14" height="14" ALT="previous" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A><B>  </B><A HREF="id38.htm" TARGET="_top" TITLE="FAMILYOWNED BUSINESS ISSUES"><U><B><IMG SRC="0590e0e0.png" border=0 width="14" height="14" ALT="next" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> <div> <A HREF="id31.htm" TARGET="_top" TITLE="SAVING YOUR TAX DOLLARS"><U>SAVING YOUR TAX DOLLARS</U></A></div> <div> <A HREF="id61.htm" TARGET="_top" TITLE="MARKETING YOUR PRODUCTS SERVICES"><U>MARKETING YOUR PRODUCTS & SERVICES</U></A></div> <div> <A HREF="id35.htm" TARGET="_top" TITLE="FINDING AND KEEPING EMPLOYEES"><U>FINDING AND KEEPING EMPLOYEES</U></A></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700a099000000.png" HEIGHT="11" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">FINANCING YOUR BUSINESS</B></div> <div> <A HREF="id38.htm" TARGET="_top" TITLE="FAMILYOWNED BUSINESS ISSUES"><U>"FAMILY-OWNED" BUSINESS ISSUES</U></A></div> <div> <A HREF="id36.htm" TARGET="_top" TITLE="CONTROLLING YOUR OVERHEAD"><U>CONTROLLING YOUR OVERHEAD</U></A></div> <bR> </td> <td valign="top" height=370 BGCOLOR="#FFFFFF" TEXT="#080000" bgproperties="fixed" background="518515e3.jpg"> <div> <IMG SRC="18236400.png" border=0 width="54" height="64" ALIGN="BOTTOM" HSPACE="0" VSPACE="0">  <FONT SIZE="5" COLOR="#CC0000" FACE="DawnCastle" ><B>Here's some WIEDER ASSOCIATES tips about</B></FONT></div> <DIV ALIGN="LEFT"></DIV> <div> <B>FINANCING YOUR BUSINESS</B></div> <div> <B><IMG SRC="30e58020.png" border=0 width="600" height="2" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <div> <B>Convince Lenders That You Are A Good Risk:</B></div> <div> <B>#117.  When you visit with a banker, you've got to have an attitude!  That attitude is that you don't need the money.  But if you had the money, the business would  grow at its planned rate on an even stronger and more secure operational base. Be prepared to back up your attitude with well thought-out forecasts and a set of assumptions based upon solid and independently supported research.</B></div> <DIV ALIGN="LEFT"></DIV> <div> <B><IMG SRC="30e58020.png" border=0 width="600" height="2" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <bR> <div> <B>Where NOT to Look for Money:</B></div> <div> <B>#33.  Public offerings of stock are rarely appropriate for small businesses.  Costs are prohibitive (often well over $100,000) and annual expenses for S.E.C. filings, audits, shareholder relations, annual reports and public relations frequently amount to more than $50,000.</B></div> <DIV ALIGN="LEFT"></DIV> <div> <B><IMG SRC="30e58020.png" border=0 width="600" height="2" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <bR> <div> <B>Where Do Startups Find the Dollars:</B></div> <div> <B>#55.  On the average, personal funds usually represent nearly 60% of the start-up dollars needed.  Lending institutions provide about 23%, friends and relatives just under 10% and the rest (about 7%) comes from investors, venture capital firms, government loans/grants and a broad variety of other sources.</B></div> <DIV ALIGN="LEFT"></DIV> <div> <B><IMG SRC="30e58020.png" border=0 width="600" height="2" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <div> <B>Don't Forget Your Customers When You Look for Money:</B></div> <div> <B>#83.  If you have a loyal following of customers/clients, you can often tap them for needed funds.  Among the many things you might consider: bill annually for year-long service contracts; collect advance payments before shipping products; offer layaways; sell gift certificates; issue memberships; offer discounts . </B></div> <DIV ALIGN="LEFT"></DIV> <div> <B><IMG SRC="30e58020.png" border=0 width="600" height="2" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <bR> <div> <B>MUCH MUCH MORE IS</B></div> <div> <IMG SRC="06ceb370.png" border=0 width="491" height="55" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <div> <B>(We're Still Under Construction)</B></div> <bR> <bR> <div> GO<FONT SIZE="3" COLOR="#000000" FACE="Arial" > </FONT><A HREF="id35.htm" TARGET="_top" TITLE="FINDING AND KEEPING EMPLOYEES"><U> <img src="HTMLobj-748/aniGif.gif" border="0" align="bottom" width="30" height="29">  </U></A> BACK           <FONT SIZE="1" COLOR="#0000FF" FACE="DawnCastle" ><B>  </B></FONT>CLICK HERE <FONT SIZE="3" COLOR="#000000" FACE="Arial" ><A HREF="id38.htm" TARGET="_top" TITLE="FAMILYOWNED BUSINESS ISSUES"><U> <img src="HTMLobj-749/aniGif.gif" border="0" align="bottom" width="30" height="29">  </U></A> </FONT>FOR MORE</div> <bR> </td> </tr></table></body>