Small Business Financing York PA

Looking for Small Business Financing in York? We have compiled a list of businesses and services around York that should help you with your search. We hope this page helps you find Small Business Financing in York.

William Heidig
FiscalWise, Inc.
(610) 891-7760
1756 Columbia Avenue
Lancaster, PA
Expertises
Retirement Planning & Distribution Rules, Advising Entrepreneurs, Women's Financial Planning Issues, Advising Medical Professionals, Planning Issues for Business Owners, Ongoing Investment Management
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, MBA

Mr. James D. Adelsperger, CFP®
(717) 741-0004
235 Saint Charles Way Ste 250
York, PA
Firm
SFC Asset Management, Inc.
Areas of Specialization
Accounting, General Financial Planning, Investment Management, Investment Planning, Tax Planning, Tax Preparation
Key Considerations
Average Net Worth: $500,001 - $1,000,000

Average Income: $100,001 - $250,000

Profession: Not Applicable

Data Provided By:
Mr. Leon I. Butler, CFP®
(717) 848-1933
PO Box 135
York, PA
Firm
Butler Gingerich & Co

Data Provided By:
Mr. Jere C. Wise Jr., CFP®
(717) 747-8880
2220 S Queen St
York, PA
Firm
Northwest Financial Services
Areas of Specialization
Asset Allocation, Banking, Business Succession Planning, Employee and Employer Plan Benefits, Estate Planning, General Financial Planning, Insurance Planning
Key Considerations
Average Net Worth: $500,001 - $1,000,000

Average Income: Not Applicable

Profession: Not Applicable

Data Provided By:
Mr. Thomas A. Stickney, CFP®
(717) 751-2671
2550 Kingston Rd Ste 301
York, PA
Firm
Ameriprise Financial Services,
Areas of Specialization
Comprehensive Financial Planning
Key Considerations
Average Net Worth: $100,001 - $250,000

Average Income: $50,001 - $100,000

Profession: Not Applicable

Data Provided By:
Mr. R. Glenn Rowland, CFP®
(717) 751-2325
3214 East Market Street
York, PA
Firm
R. Glenn Rowland, CPA

Data Provided By:
Mr. James P. O'Mara, CFP®
(717) 840-0031
3214 E Market St
York, PA
Firm
O'MARA & COMPANY FINANCIAL ADV
Areas of Specialization
Asset Allocation, Business Succession Planning, General Financial Planning, Insurance Planning, Intergenerational Planning, Investment Management, Retirement Income Management
Key Considerations
Average Net Worth: $250,001 - $500,000

Average Income: $100,001 - $250,000

Profession: Not Applicable

Data Provided By:
Mr. Christopher L. Johnson, CFP®
(717) 751-1281
3411 Concord Rd
York, PA
Firm
Wells Fargo Advisors
Areas of Specialization
Asset Allocation, Charitable Giving, Comprehensive Financial Planning, Education Planning, Estate Planning, Investment Management, Retirement Planning
Key Considerations
Average Net Worth: $500,001 - $1,000,000

Average Income: $100,001 - $250,000

Profession: Self-Employed Business Owners

Data Provided By:
Ms. Christie L. Smith, CFP®
(717) 741-8900
235 St. Charles Way
York, PA
Firm
Stifel Nicolaus
Areas of Specialization
Asset Allocation, Estate Planning, General Financial Planning, Long-Term Care, Retirement Planning, Wealth Management, Women's Finances
Key Considerations
Average Net Worth: $100,001 - $250,000

Average Income: $100,001 - $250,000

Profession: Not Applicable

Data Provided By:
Mr. David L. Dolan, CFP®
(717) 718-1600
224 Saint Charles Way
York, PA
Firm
ECA Investment Group Inc.

Data Provided By:
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Business Financing From The SBA / Small Business Administration

The Small Business Administration is the most useful resource available to startups and established small businesses. An Independent agency of the Executive branch of the Federal Government, the SBA has the responsibility of providing assistance to American small businesses in the areas of advocacy, management, procurement, and financial assistance. The SBA financing comes in the forms of investment programs, business loan programs, disaster loan programs, and bonding for contractors. In most cases, the SBA should be the first business financing resource a small business owner looks to for their financing needs.

The SBA has three different loan programs for small business financing . It is important to know that while the SBA has these programs, they do not actually provide the business financing . The SBA sets the guidelines for these loans, then their partners, which include lenders, community development organizations, and microlending institutions, actually make the loan to small businesses . The SBA guarantees the loans, to reduce the risk to the lenders.

The first type of business loan that the SBA offers is the Basic 7(a) Loan Guaranty. When a small business is unable to obtain financing from other sources, this is the primary business loan program offered. This is the SBA's most flexible business financing program, and it is ideal for start up business financing as well as established business financing . This type of new business financing can be used for most business purposes, such as working capital, equipment, office furnishings, land and building, leases, and even debt refinancing. The maturity date of the loan varies, depending on what the loan is used for. For working capital, the loan maturity is up to 10 years, while it is generally up to 25 years for fixed assets.

There are several different variations of the Basic 7(a) loan program, designed to fill specific needs. This type of loan is the closest a small business owner can get to free business financing, because any fees that the SBA has for administration are charged to the lender. However, the lender does have the right to make those fees a part of your loan, which means that you may ultimately pay those fees.

The second type of loan that the SBA offers is the Microloan. This is known as the 7(m) loan program. These are short-term loans of up to $35,000, and are primarily for small businesses and non-profit child care centers. They are meant to provide working capital, inventory purchases, supplies, furnishings, and equipment. They may not be used to pay existing debts or to purchase real estate. This type of business financing is great for business owners who wish to expand.

The third type of small business financing available through the SBA is a Certified Development Company (CDC) loan. Known as the 504 loan program, these loans should only be sought by businesses that require brick and mortar financing . These are long-term...

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