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Web Service Assessment That Helps

Choose Right Team Members Gets SBA Loan

Dr. Janice Presser, CEO
The Gabriel Institute
Philadelphia, PA
Lynn Ozer, Executive Vice President
Government Guaranteed Lending
Susquehanna Bank
Pottstown, PA,

  Interview Highlights

  • Liz Ozer worked for SBA for 5 years right out of college and is now with Susquehanna Bank.
  • She has been handling SBA and Dept of Agriculture loans for the last 30 years.
  • Dr. Janice Presser has created a online behavioral assessment tool for teaming relationships.
  • She started 35 years ago with the idea of How People Work Together.
  • She helps people decide who would be a good fit on a team.
  • Its taken 25 years of research and 9½ years of development.
  • People visit their web site and it helps them understand the relationships of people in the team and how to use them better, or how to build a team.
  • How you understand people should drive how you respect them.
  • If you don't have respect for them they won't perform well.
  • Each person is able to understand how valuable they are to the team.
  • Liz also took the test and when she saw the results she said, "How In The World Did They Know That? - Only people who really, really know her would know those things.
  • It shows how you work with different people.
  • From a human resource perspective this is "Genius".
  • The report is only $80.
  • One hour with a therapist is more than $80.
  • It's great for job seekers and for employers.
  • The manager gets an interpretation of the report and the person taking the test also gets a report.
  • THE BIGGEST MISCONCEPTION ABOUT SBA loans is that it takes a million years and lots of paperwork.
  • You should make sure that you are working with a bank that has an SBA specialist.
  • You can go to a local SBA office a get a list of the top 10 lending institutions in your area.
  • Certain banks prefer to lend to certain industries, like certain banks don't do start ups, some don't do smaller than $100,000, some will do real estate and some will not, etc.
  • Janice went through 3 banks before she found a good one.
  • IF ONE BANK TURNS YOU DOWN, it does not mean you cannot get an SBA loan.
  • The National Association of Government Guaranteed Lenders can also get information on banks that can help.
  • Find someone who has an SBA loan and ask their experience.
  • Information on people who get SBA loans is public information.
  • There is more SBA lending when the economy is bad.
  • The payments are lower than regular loans.
  • If the loan is bad the bank covers 25% and the government covers 75%.
  • Look for lenders that are "PREFERRED", they are able to get the "guarantee" directly which makes the process shorter.
  • The information you need depends on if you are a start up or on-going business.
  • They help complete the government paperwork for you.
  • SBA is also good for buying a business.