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What were really doing is trying to find the people who are being missed by traditional banks and even nontraditional online lenders, Davis says. Able conducted a beta test prior to its official launch in 2014, tweaking the terms and procedures with each loan. That year, the online lender made 50 loans ranging from $5,000 to $150,000, mostly in the Austin area, but received nearly $40 million in loan requests from entrepreneurs nationwide. To qualify for an Able loan, businesses must be at least six months old. Davis wouldnt stipulate revenue requirements but says Ables borrowers to date make $1 million or less annually. After a business owner fills out an online application, Able uses its proprietary technology to assess the companys bank accounts, cash flowand credit history -- pretty standard stuff. Whats new is that Ables algorithm also looks at a companys social media following and reviews via Yelp, Facebook, Twitterand LinkedIn. Davis wouldnt reveal how a businesss online footprint is weighted or what metrics help or hinder an applicant, but he claims Able gains a more complete picture of a companys creditworthiness than any bank can acquire. This is really innovative, says Charles Green, managing director of the Small Business Finance Institute, a resource site for commercial lenders. You talk to a commercial banker about Facebook, and they dont even know what it is, except that their daughter has an account. Once Able gives the green light, borrowers need to line up at least three backers (friends, relatives, mentors, colleaguesor customers) to collectively kick in 25 percent of the approved loan. Backers must contribute at least $1,000 each, and family cannot contribute more than half of the 25 percent.
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Those attending may order from the menu. Call Dana Cutlip, (352) 293-4317. BNI Winning Edge: 7:15 a.m. Jan. 24, Northcliffe Baptist Church, 10515 Northcliffe Blvd., Spring Hill. The cost is $10 and includes breakfast. Call Dan Brown, (262) 676-2776. Keep It Local-Spring Hill/Brooksville Chapter: 7:45 a.m. Jan.
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That PEOTUS Trump would attack Congressman Lewis on MLK Day weekend for all talk no action when he bled to actually Make America Great is why far less than half the country supports him at the dawn of his presidency. . @RepJohnLewis is an American hero & a national treasure. Period. Full stop. (1/3) pic.twitter.com/SN9W4uY31c Kasim Reed (@KasimReed) January 14, 2017 That PEOTUS Trump would attack Congressman Lewis on MLK Day weekend for "all talkno action" when he bled to actually "Make America Great" Kasim Reed (@KasimReed) January 14, 2017 is why far less than half the country supports him at the dawn of his presidency. #HeStoodUpForUs #LetsStandForHim In an interview with NBCs Meet the Press last week , Lewis said that the Russian governments apparent interference with the U.S. election delegitimizes Trumps victory. Its going to be very difficult, Lewis, who is boycotting Trumps inauguration, told moderator Chuck Todd. I dont see this president-elect as a legitimate president. Reince Priebus, Trumps incoming chief of staff, called Lewis comments insane and wrong. We need folks like John Lewis, and others, who I think have been champions of voter rights, to actually recognize the fact that Donald Trump was duly elected, Priebus said on ABCs This Week With George Stephanopoulos on Sunday. Hes going to put his hand on the Bible in five days.