Cash Flow and Capital Finance for Your Growing Business

The SBDC has a good summary of options here. But if you’re beyond self-funding and need help, there are many options:

Get A Grant

If you’ve got technology, there may be a grant for you:

Small Business Innovation Research (SBIR) Program

Under the SBIR programs, 11 Federal agencies (including USDA) award research and development funds to small businesses via a highly competitive, targeted process. The SBIR program is designed to stimulate technological innovation and provide opportunities for small business.  SBIR Grant Information

Get a Loan

Commercial Loans:

The things lenders look for when evaluating a loan application are a conservative business plan, a significant equity contribution, capable management, realistic repayment ability, good credit history, and ample collateral to fall back on, just in case.

Consider a micro-loan

Kick Start it with Crowdfunding:

Crowdfunding, raising money by selling product, services or even equity to friends, family and beyond is growing in popularity.   Here’s a moderated selection of some helpful articles.

Crowdinvesting – using an online source to match QUALIFIED angel investors with start ups. NOTE- if you use crowdinvesting you are considered to be “generally soliciting’ and there are sigificant regulatory rules. Please consult a lawyer. 
for an overview of crowdinvesting

Angel Investing:

– Find an independent investor who can help finance your early growth, with an expectation of a high return on investment, and an “exit” after 3-7 years.  The definitive guide to Angel Investing in Oregon 

  • WAC –  Willamette Angel Conference   is an annual Conference and training program matching start-ups with investors, and providing business plan support, pitch support and mentoring.
  • Oregon Angel Fund
  • OEN –Oregon Entrepreneur Network– including Angel Oregon
  • Portland Venture Group – Seeks to fund startup and early stage business ventures in the greater Portland and Vancouver, WA areas

University Venture Development Funds

  • Portland State University – Click here to learn more
  • Oregon State University – OSU Venture Fund Click here to learn more
  • University of Oregon – Click here to learn more

Commercial Venture Capital:

Usually, the most difficult-to-find source of financing is venture capital

Venture capitalists have exacting standards for choosing an investment and often require some management and ownership control in the business. A good primer can be found on the U.S. Small Business Administration (SBA) Web site.

SBA Venture Capital Web Site

Rural Resources

Agriculture Resources

Rural & Agricultural Loans:

For those outside the Metropolitan Area (Philomath, Alsea, Monroe and Rural Benton County)

Food Processing Loans

Rural Grants

  • USDA Rural  Development Grants  Operated by USDA Rural Development Program assistance is provided in many ways, including direct or guaranteed loans, grants, technical assistance, research and educational materials.