For some industries, SBA lender may look at your company's average revenue. For example, if you run a wholesale or retail business, your average annual sales for past three years cannot exceed $6 million to $29 million, depending on type of business you own. Construction companies need to fall into $12 million to $28.5 million range. Basically, if you make too much, you're considered too 'big' to need an SBA loan. It's also very important that you're running an independently owned for-profit organization if you are considering SBA loans.

If you still qualify keep reading.

When beginning SBA loan application process, your lender will require you to have some specific information ready. The first document you'll need is your business profile; this simply describes type of business you run, your annual sales revenue, number of people you currently employ, and how long you've been in business. You will also need to provide a loan request. This is a description of how money you need and how you plan to spend it. As with any loan, you will need to provide collateral. Be prepared to explain how you plan to secure loan.

The most important information you will need to provide is business's financial statements for past three years. These include: balance statement, income statement, and statement of cash flows. As owner of business, you will need to provide not only your personal financial statements, but also financial statements of any other individuals that hold 20% or more equity in company. Most lenders will also ask for personal tax returns for last three years.

In next portion of this article, 'SBA Loans: Options, Benefits, and Lenders', we will further examine what kinds of loan options are available, and for what kinds of businesses they are most advantageous. Lastly, we will discuss different types of SBA lenders.

Sometimes I pay too much for one of my companies; sometimes I receive a great bargain. But no matter which, bargain or expensive, my income from those companies always continues to grow and grow and grow and grow and grow.

Sometimes, dividend yield of one stock may be 5.15%, and following year or two (even with two dividend increases during those two years) dividend yield would drop to less than 3%. This, for example, may mean stock price would have risen from 30 dollar range to 60 dollar range. I have found that when that 5.15% dividend yield drops to around 1%, company’s stock in question becomes so high that company usually has a stock split, as well as a dividend increase.

Right now, DOW seems to be having trouble breaking that 11,000 barrier. And, right now, I can’t help thinking back, way, way, back.

For those of you who don’t remember late 1960’s, early 70’s, DOW barrier was 1,000.

Oh, what a tough time that DOW 1,000 barrier was! I remember thinking – it’s going to break it this time. Back in 1966 was first attempt (rose to 985) and it kept on trying to break 1,000 for next 6 years. When it finally broke 1,000 (it reached 1,050 or so in 1972), it immediately fell back. It took another 10 years before DOW broke 1,100 barrier. Six years for DOW at 985 to break 1,000. Another 10 years to break 1,100. A total of 16 years to add a mere 115 points on DOW.

So, is 11,000 barrier in DOW today similar to 1100 barrier of times-gone-by? Will 11,000 on DOW become a 16 year barrier? Could be! Then again, maybe not! I don’t know! “He, who could foresee events etc.”

In meantime, I will continue watching my dividend income continue to grow and grow and grow and grow and grow!

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