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Get the information you need to make smart business decisions
With SCORE, you have lots of support. Browse these tools and find resources to help you make decisions on starting or growing your enterprise. Your SCORE mentor can assist in putting your ideas into action.
Download this financial projections template to calculate your small business expenses, sales forecast, cash flow, income statement, break-even analysis & more.
Download our easy-to-use business planning, finance, sales, marketing, and management templates to help you plan for a new business or grow your existing business.
The SCORE Startup Roadmap is the perfect tool to start the journey to your new business.
SCORE's free guide to taking your business to the next level!
Since every business has its own set of unique challenges, it can be difficult to pinpoint which legal matters you can handle yourself and which require an expert. Here are a few guidelines.
Some new businesses soar. Others languish, crawling slowly forward until their founders’ money and patience are both exhausted, their deaths sadly marked by empty storefronts. Failure is not inevitable. If your product or service is marketable, you can avoid a going-out-of-business sale by honing four critical skills.
Marketing Checklist- Understanding your Target Customer and Developing Your
So here are the top 10 ways to improve your blood/cash flow.
• SBA guaranteed loans: www.sba.gov
• California Small Business Development Center: www.centralcoastsbdc.org
• Federal Government Grants: www.grants.gov
These are the sources listed throughout the workshops plus a few useful links:.
Resources are available thru SCORE Online. Go to www.SCORE.org and click on webinars, or Tools and templates.
The Loan Application Package varies from the lending institution to institution. A pre-qualification conversation with a Loan Officer from your potential lending institution is recommended. Inquire as to the specific documentation required for your first face-to-face meeting.
Passion isn't enough. You'll need a sound concept and management experience, and you should know that some of the most popular assumptions about restaurant failure are wrong by Kerry Miller
10 Ways to Reduce Your Next Legal Bill
Strength in Numbers: Why Making the Most of Your WCA Membership Makes Good Cents!
Books to help people owning or starting a small business
Getting your foot in the door
Frustration is not a big enough word to describe what you may have to go through getting a loan from a bank. Different banks have different policies regarding what they will lend money for, what their pre-qualifications are, and what they require to complete a loan package.
If you are applying for a Bank or Small Business Administration (SBA) Loan, you will be required to complete a detailed Business Plan as part of the loan package. A SCORE mentor, Small Business Development Council (SBDC) member, or others can assist in preparing the necessary documents. Your knowledge and understanding of all aspects of your business will help those assisting you to understand and work to develop a professional Business Plan for submittal.
The break-even point is very important to know if you're starting a business. Basically, it's the point where the income equals the outgo. But, you still haven't made any money.
In today's complex business climate, a good accountant can make a big difference to your bottom line. While it might be tempting to cut costs and handle things yourself, accounting done well can nearly pay for itself.
1. CASH RECEIPTS/REVENUES
a. DATE the money was received and/or the sale was made
b. AMOUNT received and/or the amount of the charge sale
c. PAYER; who the sale was made to or the cash was received from
d. REASON that the cash was received (sale (may want to categorize sale type), account receivable, capital,
loan proceeds, etc.)
e. SUBSTANTIATION; duplicate deposit slip, paperwork involved with loan, paid invoice, cash register
printout, etc.
