BATTLE BORN GROWTH MICROLOAN PROGRAM
Nevada Battle Born Growth Microloan Program (BBGMP)为有能力产生强劲现金流并致力于不断发展，但缺乏资金支持的小企业提供富有吸引力的固定利率运营资金贷款。在内华达州经济发展州长办公室的支持下，BBGMP允许符合条件的企业获得最高$250,000的资金，用于购买设备、扩大运营、聘用新员工或以其他方式推进其业务计划。
我们的服务
BBGMP帮助企业获得固定利率、灵活使用的贷款，最高$250,000。这些贷款来自具有与内华达州小企业多年合作的丰富经验的非营利贷款机构，帮助您以自己的方式推动您的企业更快、更长远地发展。
贷款可灵活用于支付：设备、工资、公用事业和租金、库存和用品、营销和广告、建筑翻新和租户改善以及其他费用。无贷款发放费，无预先担保——将对企业资产执行总括留置权以确保最高$250,000的贷款的安全。在某些情况下，项目贷款人可能需要额外的抵押品。
根据固定利率，享受36、48、60和72个月的分期还款。根据贷款期限，本计划的利率目前在8.75%-11.75%之间。所有贷款将以固定利率结算，不会意外调整利率。
*截至2024年11月7日，贷款利率在8.75%-11.75%之间。计划贷款利率将随着整体利率环境而波动。新利率将在华尔街日报优惠利率调整后的下一个工作日生效。您的贷款利率将以(a)您提交申请时适用的利率和(b)您的贷款结算时的实时利率中的较低者为准。一旦结算完成，每个企业主的个人贷款将在整个贷款期限内固定。
本计划服务人群
下列标准是企业或非营利组织获得本计划贷款的最低要求：符合资格的申请人必须：
- 截止申请之日，在内华达州经营一年或一年以上
- 年收入不超过500万美元
- 全职员工不超过100人
过去的经营记录不会成为您申请资金的障碍。首次创业者经营的公司、新老板接手的旧有小企业，以及曾经创业失败的创业者都是潜在的合格贷款申请人。如果您的企业正在盈利，且您有扩张的计划，则您很适合申请BBGMP。
运作方式
无论您的企业目前进展到哪一步，内华达州及其计划合作伙伴都将为您提供支持。我们将为准备贷款的企业匹配相应的非营利性贷款机构，这些机构具有与您这样的内华达州小企业合作的丰富经验。机构将帮助您准备必要文件，并将贷款分配给各合格申请人。
内华达州小企业发展中心将对需要贷款前准备额外支持的企业进行一对一指导，帮助他们提高信用评分、建立财务记录流程、制定增长计划并寻找指导机会，不让任何上进的企业掉队。欢迎非营利机构申请加入。
Borrower stories
Zain Burke, Validity Construction Services
In Las Vegas, a small business owner in the construction industry is using a loan from the Battle Born Growth Microloan Program (BBGMP) to grow his business. Zain Burke, CEO and owner of Validity Construction Services, was in search of a loan to help the business expand into the government sector. After meeting with traditional lenders who “overpromised and underdelivered,” Zain was relieved to be referred by a friend to Community Reinvestment Fund, a Community Development Financial Institution (CDFI) who told him about the BBGMP.
“They walked us through every step of the process,” Zain said. “They were honest with my team about our chances of getting a loan.” Zain and his team were happy with the personal and supportive experience of applying for a BBGMP loan. He is using some of his loan to hire a new estimator who will focus on growing the business. He encourages others who want to apply to get familiar with their business finances and take advantage of the free business support if they don’t immediately qualify.
“Know your numbers. If you know you want to grow, just try, and someone will be there to support you every step of the way.”
合作伙伴组织
