Financing / Loans

These tools can be your first step towards small business success. Then, get advice to help you on your way.

Business Planning Templates

Use the templates below, then meet with a SCORE mentor for expert business planning advice.

About the Author

Special thanks to the Seattle SCORE Chapter for developing these user-friendly planning templates.


Why Small Business Finds It Hard to Borrow from Banks

Wed, 2014-04-09 10:42

YOUNGSTOWN, Ohio -- A small-business owner faces two daunting challenges: The first is securing the financing needed to open his enterprise. The second is ensuring he maintains the financing needed to stay open.

“Startups are the hardest to finance,” says Steve A. Spencer, president of the Youngstown chapter of Score, formerly the Service Corps of Retired Executives. Spencer should know. He’s the former president of three commercial banks.

What is angel investing?

An angel investor is a private investor who provides capital for early stage companies at their seed or subsequent funding rounds. An angel investor acts alone or as part of a group, buying equity of the company (stock or convertible debt), after conducting due diligence, with an expected holding period of less than ten years. Typical investment minimums are $25,000 for individuals and $200,000 for groups.

About the Author

Hal Shelton, SCORE Mentor and Board Member

Hal Shelton had a successful career in the energy industry. First at Sunoco, Inc including a four-year assignment in London. Then with USEC Inc. (NYSE listed), a global alternative energy company, where he was Senior VP & Chief Financial Officer and quarterbacked its privatization, the largest for a US Government entity, via an IPO. Hal also was a board member and audit committee chair for a NASDAQ listed technology company and was a Board member and CFO/Treasurer of Mercy Health Clinic, a volunteer non-profit safety net providing free medical care and medicines to low-income, uninsured adults in Montgomery County, MD. Hal currently serves as a board member (vice chair and formerlyTreasurer) for the SCORE Association and SCORE Foundation, nonprofits providing education and training to entrepreneurs and small business owners so they can be successful. In addition, Hal is currently an investor in early-stage companies. Read more about this mentor.


Fred Glave has over 40 years experience in the telecommunications industry. Beginning in the research and development area, he successively moved through positions in engineering, marketing, general management and senior officer positions with Nortel Networks. He founded a new venture-financed company in Silicon Valley and went on from there as a senior executive and CEO in several telecommunications enterprises. He has had extensive experience in international marketing and been the lead initiator in several technology and corporate acquisitions or partnerships. Mr. Glave’s strengths lie in all phases of technology management, and he is knowledgeable at the working level with all aspects of telecommunication management. He is a graduate of the University of Toronto in Electrical Engineering and holds a Masters degree from MIT and a PhD from Univ. of Calif., Berkeley, all in electrical engineering. Since retiring from his last position in 2002 he has been active as a counselor with SCORE (Service Corps of Retired Executives), where he served as District Director for the Metropolitan DC District, 2008-2010. Read more about this mentor.

Broward SCORE supports South Florida Minorities

Fri, 2014-03-21 01:02

Broward SCORE Participated in South Florida Minority Supplier Development Council’s 29th Annual Business Exposition on March 21st, 2014.

SCORE Volunteers Angelica Love Valentine and George Gremse informed attendees about SCORE services and discussed business counseling and workshop programs.


            I’m a retired sales and marketing guy who’s recently purchased a local convenience store. What are some of the key numbers I should be monitoring to successfully manage the business’ finances?

About the Author

            This column is brought to you by the Merrimack Valley Chapter of SCORE, with nearly 70 current and former business executives available to provide free, confidential, one-on-one business mentoring and training workshops for area businesses. Call 603-666-7561 or visit for information on mentoring, upcoming workshops and volunteer opportunities. SCORE is a national, non-profit organization and a resource partner of the U. S. Small Business Administration.

Cash Flow Template in Excel 

SPANISH: Como Analizar Sus Indices Finacieros


Este taller de negocios online gratis será: ayudarle a entender cómo las proporciones determinan la salud financiera de su negocio, explican los 4 tipos de ratios utilizados en análisis financiero y proveen las hojas de trabajo interactivos para ayudar a poner todo junto.

Creating a Profit and Loss Statement


Creating A Profit and Loss Statement


This free online business workshop will help you with: develop a profit and loss statement for you company by implementing a single-step or multi-step formatted statement.

Growing with Partners and Investors


Growing with Partners and Investors


This free online business workshop will help you: identify ways your company can grow and attract new partners and investors.

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