ASU-SBDC eNewsletter
Money Matters: Focus on Better Banking

 March 2012
In This Issue
Success Story: Go Green & Recycle
Articles of Interest: Better Banking
Business Tips Articles: First impressions, avoiding embezzlement, and more.


Dave Erickson

The theme for this month is better banking. One aspect of better banking is securing financing to start or expand your business. Most bankers will tell you it is still a challenging environment for commercial loans, especially for start-up businesses. Important to successfully receiving a commercial loan is understanding basic underwriting principles, such as the 5 C's of credit analysis. 


The topic of this month's Business Brown Bag Lunch Series is "Banking 101," to be held on Thursday, March 22nd at the Visitor Center's Riverview room. The speaker for this interesting and important topic will be Ms. Sheila Alley, small business owner and a commercial lender with Wells Fargo Bank. Please RSVP for the free event to the Chamber of Commerce at (325) 655-4136 


The SBDC has assisted hundreds of small businesses over the past 22 years attain commercials loans. Attend the free Banking 101 Lunch Series with Ms. Alley, and consider making a free and confidential appointment today with one of our SBDC business advisors for assistance in this area. All of our advisors, including myself, have business ownership or business management experience. 


Thank you and hopefully see you on March 22nd!



Dave Erickson

ASU-SBDC Director

Small businesses + ASU-SBDC = SUCCESS!
Go Green & Recycle
Sam Tambunga

Sam has owned and operated Go Green & Recycle for almost two years. More and more San Angeloans are recycling and this has caused the business to grow. When it was initially purchased, there was a small base of clients who used the service. Now with Sam's ingenuity and passion for his small business it has grown to over 300 residential and commercial customers. 
Read More

Better banking, Capital Structure, Bank Accounts... 
  • Business Bank Account for StartUp: If you're running a business, you will need a business bank account. You simply can't survive without one. It's the focal point of your finances, the point through which money flows in and out of your business.
  • Small Business Banking: Finding a Business Bank Account: Whether it's a sole trader, partnership or incorporated business, there are a variety of business bank account options provided by banks that are tailor-made for small business owners.
  • Financial Management System for a Small Business: Financial Management is the process of managing the financial resources, including accounting and financial reporting, budgeting, collecting accounts receivable, risk management, and insurance for a business. 
  • Determining the Proper Capital Structure for a Business: Capital structure in business is defined as a firm's ratio of debt to equity in its financing activities. This ratio defines the relationship between borrowed dollars versus dollars invested in the business. The more money that business owners have invested in the firm, the easier it will be to attract financing.
  • Capital Structure: Capital structure is a business finance term that describes the proportion of a company's capital, or operating money, that is obtained through debt and equity. Debt includes loans and other types of credit that must be repaid in the future, usually with interest.


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Quick Links

March 6th, 2012

Advanced QuickBooks 
4:00pm - 6:30pm

Essentials of Starting a Business

6:00pm - 8:30 pm

March 8th, 2012

QuickBooks Financial Reporting 

4:00pm - 6:30 pm

March 14th, 2012

Business Plan I: Writing the Narrative 

2:00pm - 4:30pm

March 15th, 2012

Business Plan II: Financials  

2:00pm - 4:30pm

March 20th, 2012

Local Online Marketing  

6:00pm - 8:30pm

March 21st, 2012

Financing Options for Your Small Business  

6:00pm - 8:30 pm

March 22nd, 2012

Business Brown Bag  

12:00pm - 1:00 pm

March 27th, 2012

Choosing Your Legal Structure  

6:00pm - 8:30pm

March 28th, 2012

New ADA Requirements Update  

6:00pm - 8:30 pm





February 27, 2012Image preview

Do you know what first impression your business makes? Meeting a business could include visiting the place of business, visiting a website, viewing a brochure, or meeting the owner face to face. Are you making a positive and lasting impression?


February 20, 2012Image preview

 It had been some time since I had been stumped in learning something seemingly so simple as rules in a card game. But it immediately caused me to think about new employees and how they learn and how we teach them.


February 13, 2012Image preview

There are many ways for you to avoid the threat of embezzlement for your company. Don't ignore the signs that could show your business is being taken advantage of...


February 06, 2012Image preview

Have you considered using the internet to boost sales? The world wide web presents a world wide opportunity to sell to new markets


"Money is one of the most important subjects of your entire life. Some of life's greatest enjoyments and most of life's greatest disappointments stem from your decisions about money. Whether you experience great peace of mind or constant anxiety will depend on getting your finances under control." --Robert G. Allen
About Us | "Helping grow the Concho Valley economy, one business at a time!" 
sbdc staff 2011The ASU Small Business Development Center provides free and confidential one-on-one business advising as well as low-cost, affordable business development training. We want to help your business grow and succeed. With many resources and a staff of experienced 
advisers, we have the tools to help you.

Contact us today!

ASU SBDC (Angelo State University SBDC)
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Training: (325) 942-2019 | Advising: (325) 942-2098

Mailing Address: ASU Station #10910, San Angelo, TX 76909
Office Location: Rassman Room 201, 2222 Dena Dr., San Angelo, TX 76909