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Author: Karen G. Mills
Publisher: Springer
ISBN: 3030036200
Category : Business & Economics
Languages : en
Pages : 202
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Book Description
Small businesses are the backbone of the U.S. economy. They are the biggest job creators and offer a path to the American Dream. But for many, it is difficult to get the capital they need to operate and succeed. In the Great Recession, access to capital for small businesses froze, and in the aftermath, many community banks shuttered their doors and other lenders that had weathered the storm turned to more profitable avenues. For years after the financial crisis, the outlook for many small businesses was bleak. But then a new dawn of financial technology, or “fintech,” emerged. Beginning in 2010, new fintech entrepreneurs recognized the gaps in the small business lending market and revolutionized the customer experience for small business owners. Instead of Xeroxing a pile of paperwork and waiting weeks for an answer, small businesses filled out applications online and heard back within hours, sometimes even minutes. Banks scrambled to catch up. Technology companies like Amazon, PayPal, and Square entered the market, and new possibilities for even more transformative products and services began to appear. In Fintech, Small Business & the American Dream, former U.S. Small Business Administrator and Senior Fellow at Harvard Business School, Karen G. Mills, focuses on the needs of small businesses for capital and how technology will transform the small business lending market. This is a market that has been plagued by frictions: it is hard for a lender to figure out which small businesses are creditworthy, and borrowers often don’t know how much money or what kind of loan they need. New streams of data have the power to illuminate the opaque nature of a small business’s finances, making it easier for them to weather bumpy cash flows and providing more transparency to potential lenders. Mills charts how fintech has changed and will continue to change small business lending, and how financial innovation and wise regulation can restore a path to the American Dream. An ambitious book grappling with the broad significance of small business to the economy, the historical role of credit markets, the dynamics of innovation cycles, and the policy implications for regulation, Fintech, Small Business & the American Dream is relevant to bankers, fintech investors, and regulators; in fact, to anyone who is interested in the future of small business in America.
Author: Karen G. Mills
Publisher: Springer
ISBN: 3030036200
Category : Business & Economics
Languages : en
Pages : 202
Get Book
Book Description
Small businesses are the backbone of the U.S. economy. They are the biggest job creators and offer a path to the American Dream. But for many, it is difficult to get the capital they need to operate and succeed. In the Great Recession, access to capital for small businesses froze, and in the aftermath, many community banks shuttered their doors and other lenders that had weathered the storm turned to more profitable avenues. For years after the financial crisis, the outlook for many small businesses was bleak. But then a new dawn of financial technology, or “fintech,” emerged. Beginning in 2010, new fintech entrepreneurs recognized the gaps in the small business lending market and revolutionized the customer experience for small business owners. Instead of Xeroxing a pile of paperwork and waiting weeks for an answer, small businesses filled out applications online and heard back within hours, sometimes even minutes. Banks scrambled to catch up. Technology companies like Amazon, PayPal, and Square entered the market, and new possibilities for even more transformative products and services began to appear. In Fintech, Small Business & the American Dream, former U.S. Small Business Administrator and Senior Fellow at Harvard Business School, Karen G. Mills, focuses on the needs of small businesses for capital and how technology will transform the small business lending market. This is a market that has been plagued by frictions: it is hard for a lender to figure out which small businesses are creditworthy, and borrowers often don’t know how much money or what kind of loan they need. New streams of data have the power to illuminate the opaque nature of a small business’s finances, making it easier for them to weather bumpy cash flows and providing more transparency to potential lenders. Mills charts how fintech has changed and will continue to change small business lending, and how financial innovation and wise regulation can restore a path to the American Dream. An ambitious book grappling with the broad significance of small business to the economy, the historical role of credit markets, the dynamics of innovation cycles, and the policy implications for regulation, Fintech, Small Business & the American Dream is relevant to bankers, fintech investors, and regulators; in fact, to anyone who is interested in the future of small business in America.
Author: United States. Congress. House. Committee on Small Business
Publisher:
ISBN:
Category : Small business
Languages : en
Pages : 72
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Book Description
Author: Verne Wheelwright
Publisher:
ISBN: 9780989263542
Category :
Languages : en
Pages : 260
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Book Description
Since the mid-1900s, large corporations have been using scenarios, strategic planning, and long term action plans to anticipate and prepare for their futures. Large businesses pioneered the methods of foresight for their own use, and those methods have worked very well for them. But... small business is different. The traditional methods for planning for the future didn't fit small business. Small Business Foresight is designed for small businesses. Written by a professional futurist with over 50 years' experience in small business, the tools and methods described and detailed in this book work. They are designed specifically for small business. Whether your business consists of just you, or includes dozens or even hundreds employees, these methods work! In this book, you will learn about the stages of business growth, the forces of change that impact your business, trends that guide the forces, the importance of scenarios (stories about the future and how to build them), the value of strategic thinking and planning, how to create a long term plan for your business based on the strategies you develop, and more. Much more. Small Business Foresight will help you build a plan for the future of your business.
Author: Seth Levine
Publisher: John Wiley & Sons
ISBN: 1119797365
Category : Business & Economics
Languages : en
Pages : 330
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Book Description
Despite popular belief to the contrary, entrepreneurship in the United States is dying. It has been since before the Great Recession of 2008, and the negative trend in American entrepreneurship has been accelerated by the Covid pandemic. New firms are being started at a slower rate, are employing fewer workers, and are being formed disproportionately in just a few major cities in the U.S. At the same time, large chains are opening more locations. Companies such as Amazon with their "deliver everything and anything" are rapidly displacing Main Street businesses. In The New Builders, we tell the stories of the next generation of entrepreneurs -- and argue for the future of American entrepreneurship. That future lies in surprising places -- and will in particular rely on the success of women, black and brown entrepreneurs. Our country hasn't yet even recognized the identities of the New Builders, let alone developed strategies to support them. Our misunderstanding is driven by a core misperception. Consider a "typical" American entrepreneur. Think about the entrepreneur who appears on TV, the business leader making headlines during the pandemic. Think of the type of businesses she or he is building, the college or business school they attended, the place they grew up. The image you probably conjured is that of a young, white male starting a technology business. He's likely in Silicon Valley. Possibly New York or Boston. He's self-confident, versed in the ins and outs of business funding and has an extensive (Ivy League?) network of peers and mentors eager to help his business thrive, grow and make millions, if not billions. You’d think entrepreneurship is thriving, and helping the United States maintain its economic power. You'd be almost completely wrong. The dominant image of an entrepreneur as a young white man starting a tech business on the coasts isn't correct at all. Today's American entrepreneurs, the people who drive critical parts of our economy, are more likely to be female and non-white. In fact, the number of women-owned businesses has increased 31 times between 1972 and 2018 according to the Kauffman Foundation (in 1972, women-owned businesses accounted for just 4.6% of all firms; in 2018 that figure was 40%). The fastest-growing group of female entrepreneurs are women of color, who are responsible for 64% of new women-owned businesses being created. In a few years, we believe women will make up more than half of the entrepreneurs in America. The age of the average American entrepreneur also belies conventional wisdom: It's 42. The average age of the most successful entrepreneurs -- those in the top .01% in terms of their company's growth in the first five years -- is 45. These are the New Builders. Women, people of color, immigrants and people over 40. We're failing them. And by doing so, we are failing ourselves. In this book, you'll learn: How the definition of business success in America today has grown corporate and around the concepts of growth, size, and consumption. Why and how our collective understanding of "entrepreneurship" has dangerously narrowed. Once a broad term including people starting businesses of all types, entrepreneurship has come to describe only the brash technology founders on the way to becoming big. Who are the fastest growing groups of entrepreneurs? What are they working on? What drives them? The real engine that drove Silicon Valley’s entrepreneurs. The government had a much bigger role than is widely known The extent to which entrepreneurs and small businesses are woven through our history, and the ways we have forgotten women and people of color who owned small businesses in the past. How we're increasingly afraid to fail The role small businesses are playing saving the wilderness, small towns and redlined communities What we can do to turn the decline in entrepreneurship around, especially be supporting the people who are courageously starting small companies today.
Author: United States. Congress. House. Committee on Small Business. Subcommittee on Government Programs and Oversight
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 108
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Book Description
Author: United States. Congress. Senate. Committee on Small Business
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 184
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Book Description
Author: David S. Bright
Publisher:
ISBN: 9781998109166
Category :
Languages : en
Pages : 0
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Book Description
Black & white print. Principles of Management is designed to meet the scope and sequence requirements of the introductory course on management. This is a traditional approach to management using the leading, planning, organizing, and controlling approach. Management is a broad business discipline, and the Principles of Management course covers many management areas such as human resource management and strategic management, as well as behavioral areas such as motivation. No one individual can be an expert in all areas of management, so an additional benefit of this text is that specialists in a variety of areas have authored individual chapters.
Author: United States. Congress. House. Committee on Small Business. Subcommittee on Antitrust, Consumers, and Employment
Publisher:
ISBN:
Category : Government publications
Languages : en
Pages : 396
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Book Description
Author: Michael E. Gerber
Publisher: John Wiley & Sons
ISBN: 0470503629
Category : Business & Economics
Languages : en
Pages : 192
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Book Description
A unique guide for the crucial start-up phase of a business So much attention goes to business practice and operation, yet the majority of ventures still fail. One area often overlooked is preparation. Too few entrepreneurs ask themselves, what are you supposed to do before you start your start-up? The Most Successful Small Business in The World gives you Michael E. Gerber's unique approach to thinking about the meaning of your company by applying his ten critical steps; a process you must go through long before you ever open your door. With these simple principles, based on expert Michael Gerber's years spent helping countless entrepreneurs, you'll take the essential first steps to lay the groundwork for building what Michael E. Gerber calls The Most Successful Small Business In the World! Author Michael Gerber has coached, taught, or trained more than 60,000 small businesses in 145 countries Free Webinar with Gerber for book purchasers Gerber's Ten Principles cover everything from defining the meaning of your company, teaching you how to think about systems, the importance of differentiation, perfecting the people within your business, acquiring clients, and more If you're ready to make your business dream more than just a reality, and resolve to do something bigger than you ever imagined, The Most Successful Small Business In The World will provide you with a stunningly original process for thinking yourself through it. Yes, you too can create The Most Successful Small Business In The World...Michael E. Gerber will show you exactly how to do it.
Author: United States. Congress. Senate. Committee on Small Business
Publisher:
ISBN:
Category : Small business
Languages : en
Pages : 898
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Book Description
