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Hear about the real life stories that put successful entrepreneurs on the track to ruin by confusing the key measures of a successful business. Learn about the worst and best things to do to build your business capital structure. A healthy perspective on life and business will create a solid financial framework to build a sustainable, and bankable, business enterprise.
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October 9, 2013
Scott Ochsner
Patrick Pariseau
Healthy Lifestyle,
Healthy Business
Concept: Financial positioning for
the purpose of starting or growing a
business takes time and is a
behavior.
Positioning Issues:
1. Capital – loan down payment
2. Ability to service new debt
3. Collateral to back a loan
4. Ability to respond to an opportunity
1. Capital: The wealth gap.
2. Ability to Service Debt
Top 1% Bottom 50%
Assets 35% 6%
Debt 7% 24%
3. Collateral to back a loan
Early Cell Phone
100 Year Stock Chart 100 Year Housing Price
Early Automobile
4. Ability to respond to opportunity
Crisis lender to:
• General Electric
• Goldman Sachs
• Dow Chemical
• Bank of America
The value of keeping some “dry powder”.
Depreciationist (80%) Capitalist (80%)
No down payment Cash to expand
Too much (junk) debt Little debt and it is good debt
Invests in depreciable assets Invests in appreciating assets
Exploitable – esp. in down mkts. Positioned to exploit
