®
brand basics
what’s your story?
what is a brand?
EVErythinG
whErE wE startEd
RAVALLI
LAKESANDERS
MISSOULA
HILL
VALLEYPHILLIPS
BLAINE
FERGUS
FLATHEAD
GARFIELD
CUSTER
PARK BIG HORN
ROSEBUD
LINCOLN
CARTER
GLACIER
BEAVERHEAD
CHOUTEAUTETON
MADISON
TOOLE
POWELL
MCCONE
GALLATIN
CASCADE DAWSON
PRAIRIEMEAGHER
CARBON
FALLON
LEWIS & CLARK
ROOSEVELT
RICHLAND
POWDER RIVER
GRANITE
LIBERTY
YELLOWSTONE
DANIELS
PONDERA
SHERIDAN
STILLWATER
JEFFERSON
MINERAL PETROLEUM
MUSSELSHELL
JUDITH BASIN
SWEET GRASS
WHEATLAND
WIBAUX
TREASUREBROADWATER
GOLDEN VALLEY
SILV ER BOW
DEER LODGE
how wE lookEd thEn
whErE wE arE today
BOZEMAN
MISSOULA
KALISPELL
HILL
VALLEYPHILLIPS
BLAINE
FERGUS
FLATHEAD
GARFIELD
CUSTER
PARKBIG HORN
ROSEBUD
LINCOLN
CARTER
GLACIER
BEAVERHEAD
CHOUTEAUTETON
MADISON
TOOLE
POWELL
MCCONE
RAVALLI
LAKESANDERS
GALLATIN
CASCADE DAWSONMISSOULA
PRAIRIEMEAGHER
CARBON
FALLON
LEWIS & CLARK
ROOSEVELT
RICHLAND
POWDER RIVER
GRANITE
LIBERTY
YELLOWSTONE
DANIELS
PONDERA
SHERIDAN
STILLWATER
JEFFERSON
MINERAL PETROLEUM
MUSSELSHELL
JUDITH BASIN
SWEET GRASS
WHEATLAND
WIBAUX
TREASUREBROADWATER
GOLDEN VALLEY
SILV ER BOW
DEER LODGE
IDAHO
OWYHEE
LEMHI
CUSTER
VALLEY
ELMORE
BUTTE
BLAINE
CASSIA
CLARK
BOISE
BONNER
SHOSHONE
ADA
CLEARWATER
BINGHAM
FREMONT
CARIBOUPOWER
LATAH
ADAMS
TWINFALLS
BONNEVILLE
LINCOLN
KOOTENAI
ONEIDA
BOUNDARY
CAMAS
BANNOCK
WASHINGTON
JEFFERSONGEM
BEAR LAKE
BENEWAH
LEWISNEZ PERCE
GOODING
MINIDOKA
FRANKLIN
TETON
JEROME
CANYONMADISON
PAYETTE
how wE look now: in print
LOANS AT A GLANCE
AMOUNT
TERMS
RATES
COLLATERAL
FEES
CREDIT SCORES
UNDERWRITING
TYPES OF LOANS
• $1,000 – $1,000,000
• Flexible 5 –10 years (Generally)
• Bank plus 1– 2% • Incentive rates for some rural, childcare, Native American, and other targeted business types
• Flexible (Particularly for microloans)• Real estate, personal property, equipment, etc.• Collateral coverage ratio > .75x (Generally)• 1st position not required
• 2% origination fee• $100 annual administration fee• Closing costs
• 600+ (with flexibility)
• Solid business plan required
• Montana CDC stand-alone• Bank partnership loans • Bank participations
LOAN PROGRAM CONTACT:
406.728.9234 [email protected]
MtCDC_LoanPrgBankCard_FINAL.indd 1 7/5/12 3:06 PM
APPLICATION
Applications from all partners with at least 20% company ownership Applications from all co-signers and guarantors
Business plan or business plan summary from Montana CDC’s website 24 months of cash flow projections
Historical business taxes for three years
Historical personal taxes for three years
Internally prepared income statement and balance sheet for the last fiscal year Internally prepared income statement and balance sheet through the previous month with year-to-date Most recent appraisal if collateral is real estate
229 E. Main St. Missoula, MT 59802
222 E. Main, Ste. 202 Bozeman, MT 59715
15 Depot Park Kalispell, MT 59901
Montana CDC is an equal opportunity provider and employer
MtCDC_LoanPrgBankCard_FINAL.indd 2 7/5/12 3:06 PM
MISSOULA229 E. Main St.Missoula, MT 59802
BOZEMAN222 E. Main, Ste. 202Bozeman, MT 59715
KALISPELL15 Depot ParkKalispell, MT 59901
T 406.728.9234
F 406.542.6671
mtcdc.org
[email protected] 406.728.9234F 406.542.6671
229 E. Main St.Missoula, MT 59802
mtcdc.org
Dave GlaserPresident
229 E. Main St.Missoula, MT 59802
Dave Glaser
how wE look now: in wEb
what’s in a namE?
mcdc
montana cdc
thE rEal rEsultsnumbEr oF loans to low-incomE placEs*
*A business may have multiple loans
‘08 ‘09 ‘10 ‘11 ‘12
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