小企業管理知識講義之四(英文版)(ppt 23頁)

小企業管理知識講義之四內容摘要：
SBA Guaranteed Loans
Lender of Last Resort
Independently Owned and Operated
Not Dominant In Field
Max $500K, Average $175K
SBA Guarantees 85-90% of Loan
Require Collateral and Personal Guarantees
Prime Rate +2.75% for 10-25 Years
Risks of Bank Lending
50% of U.S. Start-Ups Gone after 3 years
Banks Use Depositor Funds for Loans
Banks not Venture Capitalists
Lack of Bank Industry and Market Expertise
Bank Transaction Costs

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