Does anyone have recommendations for financing a small business that doesn't involve life insurance? I'm otherwise eligible for an SBA but have chronic health conditions and have been denied but all of the sba lenders are not open to a waiver.

I know an unsecured broker but they charge an arm and a leg and I'd end up with god knows how many hard credit pulls and banks to deal with if I go that route.

I know the alternative is raising equity but thats also not preferred.Any help appreciated.

likeuplifting
Posting as :
works at
You are currently posting as works at

perhaps your business plan isn't viable? i can't imagine the SBA denying a loan based on heath issues? that topic never came up when i applied. (health issues) but the topic of a business plan came up and viability of the business? i don't think they are lending money anymre for learing centers

Life insurance is required for many SBA loans. If you have a lender that doesn't require it, would you be open to share their info?

Related Posts

Just took FAR for the fourth time today 😂 LOTS of not for profit questions and even sims were not for profit!!!!! Definitely more than 5-15% Becker said!!! I got like 60% was based on NFP!

helpfullike

To NYC members: Anyone here planning on sitting for FAR in December or January and would like to join a weekly (or biweekly) study group on the UES?

like

Do you think that I will get job offers after I pass the CPA exam? Not one compony will even give me a chance because I don’t have experience, even though I have passed some of the exams already.

like

How TF does someone become a product manager at a MAANG company at 23 when every PM job posting out there requires 5+ years of experience???? Genuine question

like

What does a year one international tax senior make in HCOL West?

like

I just started a new job 2 months ago, benefits and PTO don’t start until 90 days in so I still have a month before I can take off any time, and today found out my company doesn’t offer paid maternity leave.
I’m really struggling handling the symptoms and maintaining my full time job. Thinking about looking for a part time job to have more time to myself through the pregnancy since I won’t be getting a paid leave anyways, but lost on where to start looking. Any recommendations?

Any dads out here? Wife is 20 weeks pregnant with our first and want to connect and know from fellow dads on how are they coping. How are you helping your partner? Feel I am not doing enough. Except for getting ready with the finances.

Pregnant moms, feel free to provide suggestions on what your partner is doing which you really appreciate. I got the foot massage part covered. 😉

likeupliftinghelpful

I’m needing recommendations for a quality/reliable pet health insurance company. On Dec. 12, I will be bringing home a French bulldog puppy and I want to insure her. (Below is a photo of her at 3 weeks)

Post Photo
like

Few months ago XLM was the star ....it’s worthless now

like

I’m interested in investing in a pair of cycling shoes that clip in for studio classes - any reviews of Tiem brand?

likehelpful

I've been asked to provide a start-up life sciences co. with reccos for D&O insurance. Does anyone have any reccos to share?

like

Taylor swift new album

like

Anyone find themselves apologizing for everything, even stuff other people messed up? If I’m just relaying info and that turns out to be wrong, I still am the one to apologize. Especially if it’s to attorneys or partners. Why do I do this?

like

Whenever I got promoted to digital ACD a few years ago, I noticed my pay was much lower than I expected for the market I’m in, hard to find skillsets, performance, and visibility I’ve brought to the agency. I’ve brought this up a few times and was told HR would do research into salary equity, but the convo always fades. I put my foot down with my GCD, and she supports me, but I would like to come to the table with my own research. Where should I be looking for accuracy?

like

FAR, what a pain..that’s all

likefunny

Anyone else in review season? Tips for making your review awesome?

like

Help guys. Could you tell how much in hand will I receive for below break up -Cognizant Tata Consultancy Infosys Accenture Deloitte KPMG Amazon Synechron Inc.

Post Photo
like

Only because someone requested this kind of meme war...

Post Photo
like

Engineers with anxiety, are there any changes you’ve made at work that have helped you cope with job stress?

like

Buying a house with monthly expense of $4900, although my current rent is only $2350. My total HHI with my husband is about $310K. I’m feeling weary of spending this much but we live in a HCOL area near a major city and we have high taxes. It’s hard to find anything decent under $800K. Should I just suck it up in order to be a homeowner?

like

Additional Posts in Startups and Entrepreneurship

I've been asked to provide a start-up life sciences co. with reccos for D&O insurance. Does anyone have any reccos to share?

like

Friends, need some feedback on an idea:

I’m thinking of starting a podcast interviewing leaders at startups about their experience with specific challenges - I know, cliche, get a more original hobby, etc.

Not looking for the narrative arc of How I Built This or Masters of Scale. Instead, looking to uncover specific problems faced by companies that tried something new for the first time. What did they not see coming, how did they adapt and measure, etc.

What are your thoughts on this format?

like

This could be an interesting opportunity. I’m a youth soccer coach and have become very popular in our area. So much so that a local magazine is going to publish an article on me next month. With a marketable look, is there any pathway for me to utilize this opportunity for lucrative marketing deals? Open to thoughts and ideas.

like

Any craft beer brewers here?

In the last two year I’ve gotten more and more into alcohol free beer. The selection in my country (Europe) is still small and mainly driven by the big brands (e.g. Heineken). My idea is to start my own small brewery which only produces alcohol free beer as a bit of a pendant to the booming local craft beer industry. Any thoughts on that idea or someone who has experience in the market?

like

Hi everyone, I work at an early stage start up that just closed our round A. I just hired a director below me, however when it was time to come up with an offer I was removed from the conversation. The CO-founders said they’d handle the actual offer amount/equity. I joined early so salary is low but I have decent equity. Not sure if they didn’t want me seeing the offer or if this is normal for early start ups.

like

Been wanting to start a Consultancy that offers employment help to individuals. Any ideas on the success rate or how to start networking to have actual clients coming to me? What are the pros and cons?

like

Hey 🐠 We’re looking for a technical co-founder for a music/metaverse project (pre launch). Game development / Unity, plus Web3 experience a plus. Our team team has 20+ combined years of music/live-events experience and backgrounds in Product Management, Growth Marketing and Consulting. You would be our first Engineering person. Send me a PM if you’re interested in this space would love to chat!

like

I am currently negotiating a compensation package and part of it includes stock options. What other information do I need to evaluate if the equity component is a good offer ? It’s a ~40 person company and I’ve received the the number of options, most recent valuation, and current strike price. I was also given a dollar range that I can “imagine” the share price would be (I think they were trying to help me do the math without it giving away too much)?

like

Hey, I am looking for an Angel investor to invest in our idea. Can someone help me to connect with the person.

like

Need all opinions I can get. Interviewing at a place, and there are a few flags. (Details in 1st comment)

like

Any entrepreneurs here had angel investors actually invest in your company? If so, how did you find them and how did it go?

like

In case anyone is looking to get into product management, I came across this image which shows some books you could read to get into the role.

P.S: I saw this on Linkedin posted by Dr Milan Milanovic. So all credits to him!

Post Photo
likehelpfulsmart

Global International IP cost effective quality solution

like

New to startup ecosystem. What are some resources, books, podcasts that help you along the way? Are there any communities you interact with regularly on Reddit/discord/meetup?

like

Hi everyone, how much % do you allocate shares for early employees

like

How can I understand the equity in an offer for a Series A? What would be a good offer? For context , base will be 120-130k in London, not sure about bonus yet

like

Hi everyone, my sister was fired from her job because her exemption from the vaccine got rejected. She has Director of Nursing experience as well as experience with case management and utilization review. Anyone know of any startups or tech companies that are remote and wouldn’t require a vaccination that are hiring for experienced nurses? Really appreciate the help! Any leads are welcome!

like

Looking to start an app project and need a full stack developer who wants to also mentor a junior developer along the way. Any advice on where to look besides LinkedIn? Also, not looking for freelance, want the developer to be apart of the team as a business partner and leader.

like

How do vesting schedules typically work for LLCs giving interest to an advisor?

like

Hi folks, I am working with a few friends on a fintech idea. I opted to build the marketing roadmapping strategy for the soft launch/prototype phase as I want to learn about the field. Any guidance where should I start? Any guidance, books, topics will be helpful 😊

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal