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Before You Start a Business, Make Sure You Have a Safety Net

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    Before You Start a Business, Make Sure You Have a Safety Net

    All entrepreneurs need a parachute. Because, whether you’re selling a product or a service, starting a new business involves risk. I’ve been an entrepreneur all my life, and, looking back, I’ve relied on safety nets at every stage in my career. I think not having the right safety net is what stops a lot of people from pursuing their entrepreneurial ambitions.

    Personally, I like to keep it simple. To be sure, there are more complicated ways of raising money, like working with angel investors or even venture capitalists.

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    Speak to one of our qualified and seasoned Small Business Funding Managers to better understand what funding options and approvals we have for your small business.


    Get Approved for Small Business Funding today by First Down Funding! Apply Today!

    Or call our office directly at (410) 320 8542.

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    Who Does Supply Safety Net Benefit?

    It doesn’t matter how much you prepare; there are going to be unforeseen obstacles. That’s just the nature of doing something new, which is what entrepreneurship is all about. It’s worth it.


    Expand Your Business And Take It To New Heights With These Low Interest, Longer Term Funding.


    What’s the process?

    Safety Net, here are 13

    1. A part-time job

    I highly recommend taking a part-time job to supplement your income when starting your business. Find one that’s flexible and doesn’t demand five days a week for eight hours a day. If you can find a part-time job in the industry you’re interested in and can learn from, that’s even better.

    2. Freelance work

    I began freelancing for toy companies that I approached about licensing my ideas for products. Some eventually did license ideas from me, but the freelance work I was offered helped me pay bills as I was learning how study product lines. I also did freelance work for Mattel as well as other toy companies, which included traveling overseas for manufacturing and design.

    3. Develop a side-hustle mentality When You Start a Business

    Yes, you want to be self-employed. But there can be great value in gaining industry experience first. Personally, I encourage you to seek out a job a startup. I look at the time I worked at the toy startup Worlds of Wonder as a side-hustle. It was a full-time job, but I was already dreaming about running my own business. I volunteered for every assignment that I could, because it was all a learning opportunity. So no, I don’t think you need to quit your day job right away. Your mindset is what’s most important.

    4. Choose a partner wisely

    If you’re passionate about becoming an entrepreneur, you will need the support of your spouse.After I quit Worlds of Wonder, being able to depend on my wife Janice was instrumental. I earned income as a freelancer and through temporary gigs, but it was really having the freedom to fail that made a huge difference.

    5. Consulting

    Worlds of Wonder hired me to be a consultant after I left. The pay was great! I was also able to submit my ideas to them and although I didn’t license anything, I was once paid a large holding fee of about $15,000.

    6. Stay lean

    Like I described above, I started a guitar pick company with three other friends by investing our own money. I believe two of us put in $10,000 and the other two put in about $2,500. We grew from there.

    7. Find a partner

    I’ve been running my coaching business inventRight with my business partner Andrew Krauss for 20 years. What’s truly amazing about this venture is that we didn’t put in one dollar. We produced seminars for the first couple years and then started selling coaching online. We had no overhead and no costs. No risk, no safety net needed.

    8. Grants

    It’s possible to get grants from the government to start your business. The process is not complicated, but it must be done correctly. Entrepreneur contributor Kedma Ough has written at length about how to do this, including here, here, and here.

    9. A funding from a friend or family

    Personally, I find it very nerve-wracking working with friends and family, especially when borrowing money is involved. I don’t recommend it.  

    10. Crowdfunding

    I absolutely love this business model. Pre-selling an idea through crowdfunding allows you to raise capital to start your business with. The major issue is that people think they have a money problem, but it’s really a knowledge problem. This is why so many crowdfunded projects that raise oodles of funds still fail to make it to market. Running a business is not easy, even when you have capital.

    11. Savings

    I used my savings to start three companies. This is a great safety net, but it requires discipline.

    12. Licensing

    If you focus on selling the benefit of your product idea first, you can spend very little of your own money licensing. No safety net required.

    13. Testing

    You can stay lean by focusing on a prototype and spending money on ads. Is anyone interested? Today you can do this using social media platforms. Companies in the “As Seen On TV” space run ads for products that don’t actually exist yet. Over the years I tested my ideas at street fairs, festivals, in magazines, and convenience stores. Extremely low risk.

    Before you start pulling out your hair and not sleeping at night, create a safety net.

    Please realize, you will always doubt yourself a little. And it will be rough, always. These are the only constants. With the right safety nets, you can become an entrepreneur without putting your future and the future of your family at risk.

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    How Do I Qualify for Small Business Funding?

    Generally, you will qualify for small business funding if you have an established business that is already generating revenue, and a good credit history. Small business funding comes in many different shapes and sizes, so the specific funding amount, fixed fee, cost and length of the term will depend on your business financials and credit rating.

    You can apply for small business funding online, or via one of our dedicated business advisors, and all we need to see is a government-issued ID (like a drivers’ license), a voided check from your business checking account, and the last three statements from your business bank account.

    2 Trucks Funding – First Down Funding approved me when I needed it most

    I own 2 trucks and they kept breaking down, it was extremely difficult to make ends meet. Paul Pitcher & First Down Funding exceeded my expectations.

    They gave me the business funding, no problem. I am extremely happy with the process. It saved my company! I highly recommend to anyone!!

    Thank you Paul Pitcher!

    Hectory Samuels
    999 Trucking & Logistics

    Testimonial – Great Work by Paul Pitcher and First Down Funding

    I have been dealing with Paul Pitcher and his team for 2 years now and find them to be both professional and very quick.
    They make the process a seamless as possible and treat you like family friend.
    I refer them as often as possible.

    Thank you First Down Funding & Paul Pitcher

    HGS Bistro & Kitchen


    Love the professionalism and experience ! Great process in place, plus the back to back within minutes to give you a resolution is beyond expectations!

    Definitely a great company !

    Broom Inc.


    I couldn’t believe how easy and how helpful First Down Funding was when I needed a small business loan. I was looking for ways to fund some advertising for the upcoming summer months and wondered what options I had to make that happen. When I found First Down Funding online, I decided to go ahead and try it out and I was simply AMAZED at how easy and efficient it was. Everything was verified and I was able to receive my loan within no time…….if anyone can do it…….First Down Funding will fund…..

    Andre B.
    Window World Inc.

    First Down Funding offered support financial and emotional

    It’s no secret that this winter has taken a toll on many restaurants. Reduced income and increased bills. It was refreshing to be able to quickly qualify our operation and receive much needed funds that has provided the bridge to our continued future

    Ping L.

    First experience with First Down Funding

    My first experience with First Down Funding went very smooth, much better than what I anticipated

    Thank you for your help!

    Ardella M.
    Material Storage Systems

    A very smooth and easy transaction for a small business loan!

    I’ve been in business for over 20 years and because my business is seasonal, March through November, this was an easy way for my business to receive quick access to money to help our business begin the new year with inventory, marketing, and early payroll. I’ve done the traditional bank way before and its such a hassle despite having excellent credit and plenty of assets. I found First Down Funding to be extremely quick, excellent short-term payments with a fair interest on their investment. I will certainly be back again next year for my annual startup capital.

    Leslie H.

    Great software, professional service staff

    For a growing business, our biggest need is bridging cashflow while we onboard new employees to increase capacity. With First Down Funding’s software, we were able to steadily and quickly (with a couple clicks of a button as we added revenue accounts) accumulate a viable revolving line to support our trajectory. The follow-up support from First Down Funding customer service was pleasant, informative and helpful.

    The cost of cash here is comparable to a traditional bank. First Down Funding introduces some other value-adds, which, depending on your business priorities, may offset the possible 6- or 12-month terms I was approved for.

    Wes L.

    First Down Funding quick and easy.

    I was hesitant to ever use First Down Funding; it is just such a hassle to borrow money. This was much faster and easier than I expected. Money was in my business bank account within minutes. This will be paid back very quickly, unlike a credit card that would drag it out for years, if you let them.

    Alesha L.

    Very easy process

    First Down Funding is the easiest way to get the funding you need to grow your business!

    Whitney F.

    First Down Funding is the light at the end of the tunnel thanks to Paul Pitcher

    I recently had to expand my business office. Being a new company, I was strapped for the cash necessary to accomplish the expansion. First Down Funding came to the rescue with the funds to help. The process was simple and took only minutes. I cannot thank them enough for their help and would recommend them to anyone in need.

    First Down Funding is number one in my book.

    Michaele H.

    Excellent service, quick funding and easy payments

    I am truly impressed with there no hassle loan and I had may funds in 2 days. Even though I was approved for over 9 months for a loan, they never hassled me and when I was ready to use the funds they were still there! Thank you for a seamless loan process First Down Funding.

    Genesis D.

    Very easy to work with – Paul Pitcher is the man!

    quick and very easy to work with

    Veda L.

    Great Service and Fast Business Funding!

    I applied and the business funding hit my business account within 2 days. I love

    Darell M.
    Xtreme Cartage & Warehousing

    Good idea and nice cash flow security for mu business.

    It’s nice to know that I have that credit line if I need it for my business.

    Solomon S.
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