How can you build efficient Urban communities, homes, and businesses?

You need to log in to create posts and topics.

Business Financing


What if a bank/investor could be enticed into working in low-income areas with some sort of standard loan/investment. I'm thinking of a loan/investment that would have no collateral (low-income people don't have much, if anything, to give in collateral anyways), but would increase the potential. Just throwing numbers out as an example so don't get too attached to them, imagine an investment loan to a low-income individual to allow them to start a business where the individual collects the first $30,000 of profit but only collects 10% of any profit over that. So, if the individual can get their business to $1M/year profit, for instance, they would collect $30,000 + $97,000 (10% of $970,000) for a total of $127,000/year. The investor would make $873,000/year (90% of $970,000). Now if the company only made $40,000/year, the individual would collect $30,000 + $1,000 (10% of $10,000) for $31,000/year while the investor would make $9,000/year (90% of $10,000). And if the business only profited $15,000/year, the individual would get all $15,000 and the investor would get $0.

Like I said, don't get too caught up in the numbers, pay more attention to what I'm trying to accomplish with the structure. Low-income people cannot get loans because they have no collateral and little income. This creates extra risk for the investor. To lower that risk would often be expensive, but to raise the potential for the investor costs nothing. Unfortunately, that means the low-income individual's (the one with the great idea) potential earnings goes way down, but many of these people would gladly accept lower potential max earnings for the opportunity.

I am a new user of this site so here i saw multiple articles and posts posted by this site,I curious more interest in some of them hope you will give more information on this topics in your next articles.  erectile dysfunction

Great post i must say and thanks for the information. Education is definitely a sticky subject. However, is still among the leading topics of our time. I appreciate your post and look forward to more. laski surgery

Hi! This is my first visit to your blog! We are a team of volunteers and new initiatives in the same niche. Blog gave us useful information to work. You have done an amazing job! the gossett

Easily, the article is actually the best topic on this registry related issue. I fit in with your conclusions and will eagerly look forward to your next updates.  investing in oil wells

You re in point of fact a just right webmaster. The website loading speed is amazing. It kind of feels that you're doing any distinctive trick. Moreover, The contents are masterpiece. you have done a fantastic activity on this subject! casas a venda em orlando

Any time you're browsing the internet at times I find a web page which is rather thought provoking like this one. Very often when I have been to this web site I've truly loved the nice post on this site. A terrific website and I will be back a lot more for more great content…  Blaze New Media - Seo Agency

I found so many interesting stuff in your blog especially its discussion. It really makes me happy and I am satisfied with the organization of your post. Keep up the good work.  selective coaching bankstown

The article has really crests my advantage. It really makes me happy and I am satisfied with the arrangement of your post. Thank you for sharing this article.

bicycle lock

You have done a great job on this article. I just stumbled upon your blog and wanted to say that I have Man with a van really enjoyed reading your blog posts. Thank you for sharing.