‸ And you guys can get out of here on time as well.
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Thank
you. So the reason we're using the microphone is because we're going to record this session and we're recording it so we can put it online for anybody who wasn't able to attend today. Welcome. You guys can come on in. No, no worries. If you can just sign in for me, that would be great.
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So again, we're here today to talk about the City of Cocoa's Upstart Cocoa Small Business Development Program. And we're recording the session just so we can put it online for anybody that wasn't able to attend our sessions today. So if you ask a question, I am going to ask you, just ask it in the microphone for me. That way we can get it on the recording as well because we didn't do that earlier today.
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We do have someone else who will be helping us present as well.
Catherine
Rudolph from WeVenture. She's running just a few minutes late, so we'll introduce her when she gets here. My name is Samantha Sanger, and I am the Director of Communications and Economic
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And I'm going to let Connor introduce himself.
I'm Connor Williams. I am ‸ the Grants Writer and Economic Development Specialist for the City.
Okay, so we are here today to talk about the Upstart Program, what it entails, and answer any questions that you guys might have about the program. So feel free to ask any questions during the session, but again, I am going to ask that you ask it on the microphone so we can get it on recording, just in case anybody else has any,
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So,
we are going
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keep cutting out, but that's okay, I'll keep trying. Small business forgivable loan program, which promotes growth of women and minority-owned small
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So, this is for businesses that are starting in the City of Cocoa, and when I say starting, it's two years or less, or any businesses that are looking to relocate into the City of Cocoa from somewhere else.
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$10,000 to a new startup business or
start our
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business looking to expand into the city. The program includes a collaboration with WeVenture, which is what we discussed. Welcome back.
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So the program is also has a collaboration with WeVenture, and that's what I'm going to have Catherine talk a little bit more about as well. This is really the key component of this program. It's not just the
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It is the
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mentorship and education program. This gives our small businesses the opportunity to start off on the right foot with the proper business knowledge and mentorship that you would need to get started. And we're
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all of this information is online as well, so I know you can take pictures of the slides if you want, but all of that is available online as well on our website. So um the three-year forgivable loan is up to
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And what that entails is 2500 of that is going towards the we venture program that I just discussed. The remaining 7500 will be uh reimbursable expenses. So it's expenses that you have as a business, and we'll go into a little bit more depth into what those expenses include. So uh the remaining amount gets reimbursed after successful completion of the we venture program and then um and approval of a revised business plan
with reimbursable expenses. ‸ Hello,
hello. If you haven't signed in, if you can sign in for me, please, right up here. You
can sign in and
okay. So um and the applicant must stay in business for three years, um and then the loan will be forgiven after that. And we'll go into detail what all that what all that means. So who's eligible for
this program?
um Any minority owned business means a small business which is org which is organized to engage in commercial transactions, and it has to be 51 owned by a ‸ minority person. So um persons of minority, I don't need to go into all ‸ that, but that's what it is. it had All of that information is listed on our website as well. um It can be a new business, two years or less, um but that's what we consider new business, or a business that is
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So this is truly a program designed for ‸ small businesses. All applicants must be willing to participate and complete the 24-week business education and mentorship program, the we venture program, which I told talk to you guys about as the key component to this program. um And i'll again, we'll go into more details about why that's the key component to the program. um So what types of businesses are eligible? So eating and drinking establishments, where 51 of the business is derived from food and non-alcoholic beverages. So that can also include restaurants, mobile vending, refreshment stands, anything like that. But if it is a
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some other
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entrepreneur is required to invest at least 10 of the startup costs um to be re to to
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Who's not eligible? There's a number of businesses that are not eligible for this program. Social service providers, non-profit agencies, gun shops, liquor stores, uh
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as well. um If you have received funding in the past for this program, you would not be eligible again until after the
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years um from the date of the submittal and um pretty much any type of funding. If you've received any funding assistance from the city, except
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um then you are not eligible to participate in the program. So what are the steps in the process? Go ahead.
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you can go ahead and ask questions. um have you asked thank you for does
that include um small
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that yes i believe so okay i need to verify but i believe so it's
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only one that's except
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but we can verify that and make sure. Okay, so here is your steps in your process. um So you're going to start off with applying applications open tomorrow. um You can go on to our website right now. You can see the the application is on there. You can click on it. You can see all that's involved in the application. You just can't hit submit until tomorrow. um
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And once you apply, we'll go through and review all of the applications to make sure everybody qualifies for the program. Once we have those, they will we'll set up question and answer sessions with our review committee. And then we will select participants to participate in the program. Then those participants that are selected, we have five loans available, three of which are dedicated solely to the Diamond Square community. And I'm going to, after the presentation,
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community? Okay. um Just in case anybody has any questions, and then two of them are for the entire city of
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So two for
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three for the Diamond Square community. um So you'll go through
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venture program, and I'll have Catherine when she gets here, we'll talk a little bit more about that program.
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a group. It is a specific program designed, especially for you and your business.
‸ I
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um And this is a question from earlier, but since it's being recorded, if you're in a partnership, like a 50 50 partnership with someone, then would both of you need to be go through that program? Yes. And since it's
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If you guys are
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and that would be you'd go through the program together. um And so then you go through the 24 week we venture program. Afterwards,
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up a plan with the we venture folks, and they will you guys decide what you want to get funded through this loan. um Whether that's what and we'll talk about eligible expenses on here as well. That could be rent. It could be marketing expenses. It could be um a bookkeeper. It could be there's a number of different things that it could cover right and you're going to work with. We venture to decide what are those expenses that you would like to have this cover,
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Then you will sign a loan agreement once that is determined. You sign a loan agreement with the city of
cocoa
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That will say, okay, we want to and you submit your requests Here's the the funds that I want to be reimbursed for. Then once you um submit those, we will reimburse you, and
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um And then at the end of the
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years, your the loan is forgiven and you aren't required to pay back the loan, which would be the remaining. 7500. Okay. Did you have a question? I
did.
Hi, everybody. My name is Char. By the way, I'm a local business owner and um I also live in
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Village. So I came to earlier and I had a lot of questions and I thought
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like a somewhat new crowd. um Two things with the expenses, it gives a pretty good um detailed of what expenses would possibly be covered. So it seems to me with the application that
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the application. like One of my
questions, well,
I have two. Number one, is there a time frame of when you occur those re um expenses that you would like to reimburse? Such as like if I created my LLC sometime last year, does it, would those count and I could turn those
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as I start this program if I'm eligible? Okay,
so we'll start with that one. So, um this will go over what is considered eligible expenses. um but it's within, a year from when you sign that loan agreement. so it can be you could already have had the expenses occur so if you already paid for your llc with the state you
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incurred a fee to establish it that would be an eligible expense ‸ for reimbursement so you're going to work with the we venture people to decide what is what you feel is the expenses you want to submit for reimbursement. Eligible expenses include um rent not to exceed, rent or mortgage not to exceed three months, um city fees such as utility deposits, permitting fees, business tax receipt fees, inventory expenses, uh marketing expenses, moving expenses, uh membership in the Chamber of Commerce. Hey, Catherine. Welcome. No, come on in.
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um A year membership in the Chamber of Commerce, it specifically spelled out, we talked about this earlier, it did spell out because this program was created prior to the development of our Space Coast Black Chamber of
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but we will also accept the Space Coast Black Chamber of Commerce as well. um Other expenses as recommended by we venture So, again, that's something that you will work out with your person at we venture to determine what are the expenses you want to submit for reimbursement. Perfect timing. So Catherine, if you can, I'm going to have you talk into the microphone if you can and introduce yourself and then talk a little bit about the we venture program and and how that works. Sure. So my name is Catherine
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and I'm the executive director of we venture Women's Business Center in the Florida Tech
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College of Business. We are an SBA program. So the u.s small business
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okay
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administration to provide business coaching education mentorship and what we call technical assistance to small businesses
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All of you as business owners or aspiring entrepreneurs can already take advantage of the free services that
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where we offer businesses a little bit more in-depth support.
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navigate change or prepare for growth, where more than just the occasional conversation with a business coach or more than just a webinar, you know, on how to do QuickBooks might be needed. So with the Ignite program, it is a fee for service program. So we have clients that come compared to other consulting firms or business coaches, you know, we're still very
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3500 depending on the length of service. The partnership that we have with the City of
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in this program is that those um businesses selected for the Upstart
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program will participate in that Ignite 360 program ‸ and receive six months of business mentorship and coaching.
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of mentors that will work with you. And the goal of this is to ensure that you as a business owner, um not only do we provide you with, you know, whatever support and and training that you might need to get your business either going or to see where you're at to where you ‸ grow, but it's a real investment from the perspective of the city because
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all are still in business. Most go on to
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So this really is a program that we're quite proud of. It is our cornerstone program. And our goal is to help businesses stay in business and find sustainable growth. So when they the city is talking about giving a grant or some investment to local business, they want to make sure your business is here for a few years, right?
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to do, is help you find
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meeting
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so they can really get to understand you, your business, what your challenges are, what your opportunities are. And then she would work to put together a team of mentors. um You would get to know them. We make sure there's no conflicts of interest, you know, or anything involved. They might be bankers. They might be accountants. They might be lawyers.
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We really, once we get an idea of what you need, what kind of support you need, we put together a custom team just for you. And then you would have set meetings once a month that last about two hours, and they're pretty detailed. You will be assigned things like homework, um you know, that we would expect to get done. um It's full transparency. You know, they're going to ask to look at your financials. We're going to talk about your um expenses. We're going to do deep dives into really the meat of ‸ the business. And so we ask
that
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business owners, you know, that's part of the vetting process to make sure you're open to what we might call coachable, you know, that you're ready to receive some in-depth support looking at all aspects of your business. um
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what were the things that we needed to work on from last time that were assigned. And then we spend the second half of the meeting talking about, okay, and what do we need to do next and what's going to happen? And in between those meetings, your mentors, you will find they will become your advisors. And so it's not just during that the Ignite meeting once a month that you'll meet with them, but if you needed help from the accountant, I'm sure that, you know, they say, yeah, give me a call next Tuesday. We'll go over it.
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so they are there supporting you, not just in those meetings, but throughout the journey. And then our goal, um as Stephanie had indicated, that we hope we will present a solid plan, that this is a business that we feel is on solid footing. We've got a plan for growth. This is how the funding could benefit your business and how you could leverage it. And that way we can go to the city and say we have great confidence that this business owner is is ready. This is a wise investment of the funds.
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to their business, you know, for X, Y, and Z reasons.
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um And then again, our services in terms of the business coaching and and our biz ed are all available to all of you already.
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all those other programs that we venture offers on an ongoing basis. But it is that that six months of really solid support that you're getting as
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and And when I say that was a key component, because when we discussed the opportunity, it was actually one of our council members that came to us and said, hey, what do we do for small businesses? And other than really, you know, providing them, you know, information about we venture or providing them information about SBA. That's really all we had.
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to other cities, looked at what they offered um and found a program. I believe that Orlando offered a similar type of program. But the key component to it is that business education and mentorship piece, because without that, the
what
does
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It may, without making sure that we give you the tools to succeed, that may not even be anything. So we want to make sure that you are going to succeed in the long run and become a bona fide
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for forever. So that's what we want. And
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a successful business.
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about the we venture piece? Yes. thank
you So here's what I'm wondering about. um This is a very exciting program and I'm familiar with we venture and I admire the work that you do. And um my thought is that in pursuing this whole process, that. Probably, you know, only a minority of businesses will be selected for the program. Will you be providing feedback on the submissions of those who are not selected as to, you know, maybe where their proposal was weak or what your thoughts are on the viability of the, if it's a startup or something like that? Just curious. Yeah,
so I can't recall from the the last go-round how many applicant but there were, you know, folks who applied that that weren't given. um And I won't speak for the City of
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in terms of feedback there, but I know
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and say, you know, I'm still happy to meet with you because, again, our our free business coaching, um again, it's not as involved as the Ignite 360 program. It's it's one-on-one with the business coach. and But as long as you're working through whatever um objectives our business, coach you're able to come and meet with her. So you you just applying, you know, we hope you all become
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We're here to support you on your business journey wherever it's at. A few lucky people, you know, will get this, what I would call a scholarship, really, to go through our program and
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and that's really great feedback because this is only the second year that we're doing it. um So we are, and and i'm I'm kind of new to this process too. So we're
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um in how we are accepting applications and how we are judging applications and choosing applications, right? So um we um
our
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our committee that we'll be selecting. um It is, they're going to hold question and answer sessions with um each of the applicants that go that are vetted.
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They've submitted everything that they need, and then they'll go on to the committee. And then the committee will hold question and answer sessions which with each of those. After that, they will meet together as a committee.
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um But I will give that feedback to them
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they weren't selected. um So maybe that's good information that they can provide in their notes as well.
and, and I can assure you just from, you know, our phone rings, we get about 10 new client inquiries a week on average of folks looking for help. I would bet eight of the
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are saying, how can I get access to funding? So you're, ‸ not alone. You know, there's a lot of businesses that are in this. This is a wonderful, wonderful
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know, there were city and federal funds that, that we could do this all over and replicate it. But it's a really great local opportunity and whether you're approved for this funding or not, our support is still here for you and and you really we hope you'll take advantage of it.
yeah
because she mentioned it earlier okay
um
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‸ Yes.
So she mentioned about earlier in the earlier session, there's an upcoming QuickBooks session that they're doing. All of that stuff is free on their website. So you can go on to their website and you can attend any of those classes.
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website, which I can kind of go through and show you all as well. ‸ yes
So I'm curious if the city has like a vision or like specific business types that they're trying to get approved, like their q a session. I wonder if it's subjective based on what they're wanting to bring it to the city. that's a good question.
um I don't know if there's necessarily a, a vision of what they want to bring,
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what they would like. They want new, I guess, new services. So anything that's kind of bringing new things to the city, um I think would, would get priority. um but things like this is why they, they put non-eligible businesses as like social services and non-profits because
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that you're probably going to have a leg up if you have a new idea. um coachability was one thing that Catherine mentioned. If you see that's what they're really looking for. Are you want willing to go through this program, be coached, you know,
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we
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we had two people that applied and or two people that were awarded one went through the program. One, I think went halfway through the program and did not finish. um so, or didn't submit for reimbursement. So.
It didn't submit for, so she went through the ignite program and then the business model kind of changed the idea of, okay, do I want to be in the, do I need to be in the city? You know, there were some things that,
that
started to, as we were diving into her business plan that it was like, maybe I'm not a fit for this grant and some of the requirements. Then of the grant
and,
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2500 that you went through the program. We want to invest in you. That's how much we believe in the program. And what we believe in we venture is that we are willing to, you don't sign anything. you You say, okay, yes, I accept this. I want to do it. um You join we venture but ‸ you do not have to, like this person, they're not required to pay
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the three-year program with the city, you're required to pay back the portions of the loan.
So then that um raises a question for me is that, well, ‸ guess one, um ‸ is it possible for that initial vetting to have something to, um I guess, feedback to know if um a proposed business plan or an opportunity would work for the company? Because, like, for example, if I applied and then, you know, I wasn't selected and someone else was, but they didn't go through and get the grant. is
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reconsider previous applicants? um
We can get, we do the way it is written. I believe we do have that ability to open it back up because it's, but it's funds that are budgeted through the year. So if we still have funds budgeted, um we could use those funds. To the program next year and do an additional one or whatever it is. So we have that set funds budgeted, whether it's used or not. If it's not used, it could be used on somebody else. So, yes, that is a possibility. And
I think that being our first time last year, that was just a lesson learned. Yeah,
and it's a lot of learning and growing and understanding what happens and moving on to the next one. Okay, so there is a community enrichment component to this program. So we do ask that all applicants who are awarded the forgivable loan ‸ And what that looks like, it could be donation of volunteer hours, goods or services, any type of donation. They have to be made to a public entity 501c3 organization that provides services to the
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I will give you the example of our recipient last year, Chef's Kitchen. um He had proposed that he will be doing cooking classes with students at one of our schools. Cooking is what he knows. it's That's what he got the the loan for. It was an easy fit for him. It's his way of being able to fulfill his community service component. They also give back to the school as well, so they fulfill it in a number of ways, but I thought that was a very interesting way of taking what he does as a business and applying it to the community
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opportunity for those
‸ Yep. So he's he said, this is how, he gives us a list of what he's going to do as his community enrichment component, and that's one of the things that we do as an annual checkup with everybody, is we'll go through and say, okay, submit what you did for your community enrichment component. There's other things as well, and
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each year for the three years, and then it's done.
Does that also include if you have, um if you're a small business owner for profit, but you may also own a non-profit, could you donate it back to that as long as it obviously is community service based?
Yes.
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and it's, and it fulfills one of that. Yes, you can, uh it can be your own
nonprofit
‸ okay so
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and location ‸ business information we want to know the nature of the business, what motivated ‸ motivated you to start the business, what challenges and opportunities you see, um what your commitment is. You will have to agree to commit to the we venture program. ‸ your business plan, uh your, now, and this can just be, it does not need to be a, we're not judging you on your business plan. okay Okay. This program is designed to, to make your business plan better. We are just here. We want some sort of business plan submitted with that. Hold on one second. Let me just, and then a budget, um any mortgage documents and business references. um the one thing that we don't have on our online application, are financial documents, um that may be required later on, but we cannot ask for that online. So we can't ask for
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plan we used when
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and mortgage information
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i do if I'm not mistaken, I don't think that it is a requirement to put your mortgage information in.
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uh It it does ask for a location, but if like it's right now, it's your home and you're intending to um go into a location, you can even put that. there's I think there's spaces for all of that stuff.
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you can use the same business plan that you used when you establish your LLC. um Again, you know, I would say it is you you want to pitch this, you're pitching this to the committee. So you want them to select your business um for this loan program and they're going to look at things like, you know, coachability, you know, your what your business plan looks like. Is it something that's new to
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long
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going to look at. um But business plan is not something that we're going to judge you on because we want you to refine it and
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um
when
you said some financial information may be required later on, um can you give examples like is that like credit scores or? um
It could be banking information, um that stuff that could be required later on. um But it's not something that we're requiring for application at this point.
And it is business focused. Like
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But, you know, if you if you've already had some sales, your um sales records, your profit and loss statements, um you know, any monthly revenue, income expenses, those are the type of financial business financials.
And we won't take the, we can't take that information online. So that's just, we can't, everything is public record. So we can't, we
we
don't want to make sure that none of that stuff gets ‸ out
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publicly. so financial information we would request after, uh once all the, once the application period is closed, we will then come and request it as we see fit.
And then it would not be public record because it's not part of the application. exactly To
be
clear, so that's just, you know, for the, so the committee can assess the, the strength. health of the business
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forgivable loan agreement to uh policies, procedures, and conditions and things like that. And a couple questions I um just wanted to get some clarification uh clarification on. For example, under the forgivable loan approval procedure and program participation, it states that the upstart
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review committee will am I going in and out or is that just a
microphone? Okay.
um
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will make recommendations to the city council regarding funding following the completion approximately 24 weeks education. The amount of any forgivable loan shall be determined by the CRA city council and its sole discretion based on the following um ‸ general factors. And one of those factors
includes
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external funding available to the applicant. Can you explain a little more what that means? Because I originally was wondering, are you asking like, if I'm available for lots of other funding outside of this? Could that possibly harm me and um coming off as an eligible candidate for this funding as well?
um I don't know if it's necessarily um something that will harm you. They're looking to see, are you looking um for additional funding elsewhere? um Or is this your sole source of funding? So they just want to see what is your plan? um Are you going to need additional funding? Again, is it a viable business that we that they think will ‸ last long
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‸ a nice payment. But then will you be able to qualify for the rest of financing that might get you
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You know, if you were trying to do a big build or get a mortgage or something,
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So we pulled up this map um and I found this after our meeting this morning, but
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lot better.
So the. Come back out there you go. So the
gray area that
you see that's outlined, that's the city limits of the city of
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The green portion is our diamond square
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tree down to Rosa Jones. So ‸ that's our diamond
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not include we had questions this morning. It does not include Port St. John or sharps. It has to be in the
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we have linked to the
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Page. You can type in your address and you can see exactly where you're located if you are in city limits. Okay.
More
questions.
um Yes, you want me ‸ just
do
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one or get ‸ get them all out so I can stop walking the microphone. um So confirming there's
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for the diamond area. ‸ Right. And so last year was your first year and i
access
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earlier. So I'm just asking again because you're recording this.
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many possibly you anticipate this year. So, you know, can weigh out obviously what my chances are here. So,
um so we had, I believe we, and Connor thinks it
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only had
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one award for the city. This year we're expecting more applications because there are more awards up in the air. And I think we've got,
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this time around.
We also are doing so to contrast that though, we have been putting a lot more information on our website than I think what was out there last year. So I think people, we want people to better understand the process. What happened last year is a lot of this information wasn't available or wasn't easily readable. um And so a lot of people applied and then we were doing a lot of legwork of trying to get the correct information because it wasn't submitted correctly. um So we're hoping this year with the information we're providing and having these informational sessions that
we'll
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have good applications that are coming through with all of the required information. i
mean I was always taught it doesn't hurt to act. so um so with reading through also the just all of the information that you that is very, by the way, is the access um accessible
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‸ that. um
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And then from there, um you estimate about how long will it be before you start vetting. The vetting will be all of the applicants right before you decide.
So what we're planning to do is we are hoping we're going to
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to March 15th, we're going to be vetting if there's stuff that's missing. We're going to reach out to you and say, sorry, most of the stuff is all required on our online document anyway. So you can't even submit without putting something in there. But if for some reason we get something that isn't what we need, we'll reach out and let you know and work with you so that it is submitted by by the deadline. um We're hoping that then once we have all of our applicants applications after March 15th, we'll give our committee a couple of weeks to review all of those. um And then
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And
that
will
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be with the five people that have been chosen. No,
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questions that they might have about your application. And so they're gonna ‸ any anything that might not be answered or might not be clear in your application. It's their opportunity before they make any decisions on who the finalists are going to be.
Quick question. Your your diamond
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yes
Okay. That's not. Is that part of the diamond area also
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is like for the purposes of this grant, is considered part of the gray area, as in the rest of the city limits. The only area that is considered for
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[00:44:03] ▶ Play Speaker 3 (introduced as “Connor Williams” — machine-transcribed, not verified) + overlapping voice
those three separate awards is the Diamond Square CRA, which is the uh green area.
Right. Now, do you where the Diamond Area is, do
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on doing, your business in that area? ‸ proposed. So you can live in the gray and start a business in the
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‸ So
there's
obviously a push to start putting businesses in the Diamond Square areas, quite a specific area. I want to know, how does the city plan to help support businesses that go ‸ into that area? If they are awarded, because it ain't there yet. You know what I mean?
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venture to make sure that they're successful long term So we want to make sure that it's going to be a business that will stay around, and they have the education they need to be a successful business. And that's citywide. The reason that we have three in Diamond Square is because the Diamond Square board, it's it is a redevelopment area, ‸ the purpose is to bring businesses in to redevelop the area. So they're they have determined they want to use the the tax dollars that they get for that redevelopment area to reinvest in their businesses. And that's one of the programs, the Upstart programs one of the businesses they want to reinvest in.
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three. So that's why there is an additional um program in the Diamond Square area as opposed to the entire city.
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improvements in that area other than just planning the diamond square
so they Yeah.
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you can read about redevelopment areas on our website as well. I can show you where that is. So redevelopment areas are given, they have additional tax dollars to reinvest back in the community. So things like the
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Smith community center, the brand new community center that was built, was built based on those tax dollars. So it's money that is reinvested back into the community. community And without going in, because it's a very, very complicated subject. So there are, um you know, everybody pays taxes. You're paid taxes based on the um income that you make, the the property taxes, right? So property taxes in the Diamond Square community are are lower. So we don't collect a ton of property taxes from the Diamond Square community. So, but
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was to freeze. What it does is freeze taxes at the time that it was established. And then the taxes in between that and what is right now, that has to go back to that specific community. So everyone that lives in the city of
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has to pay taxes and it can go to,
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pay as residents could go to a road in Palm Bay because it goes to the county's general fund, right? But when you live in a redevelopment area, it assigns those tax dollars directly to that community. Then once those tax dollars are assigned,
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gets put towards. So they have to legally put together a plan of how they want to spend that money. And so there is a plan in place, which is also available on our website that goes over and talks about things that they want to to do in the diamond square community. um And
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um the stone street uh repaving and uh they call it streetscaping That was one of the uh projects that they used funding for. There's the community center, the brand new community center that was just done. So things like that is what those tax dollars go towards. um And so that's a very brief overview of what a diamond, what the redevelopment area is It's the same thing with coco um
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and there's specific projects that money from that coco CRA
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yeah, the coco CRA has a facade grant. um I don't know if the diamond square, I'd have to look and see if diamond square.
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[00:48:59] ▶ Play Speaker 3 (introduced as “Connor Williams” — machine-transcribed, not verified) · Unclear audio
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beautification
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program, um where you can apply to get funding for whether it's awnings or painting your building or things like that. um but ‸ one of the programs that I think diamond square did was the, um home improvement projects. So they um they had grants available for people who repainted the outside of their home or ‸ beautified their lawn or there was all different projects that they put they had grants for. ‸ any other questions
um So kind of just
looking through, and I just want to make sure I have a grasp on this and that I'm understanding um correctly. It looks like the time frame of when you would actually start to see funds and have them in your hand would be about six to eight months or maybe more from the initial start. Is that about right? And so before then, um from just my experience, you know, starting a business from the beginning can take overhead costs and things like that.
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I'm going to not have, I'm going to have to have
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that you have to have of your own and continue to run this business. And hopefully it doesn't go underwater and I'm able to keep it for three years. So I won't have to give back the money that you have already
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So it is a commitment that you have to go through at the end of that program when you successfully complete that program. Then you
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that
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at council to get reimbursed. So it could take.
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just to give it some time.
And
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you bootstrap a business and you're, you know, doing it on your own. um that, that sounds like a lot, you know, on paper and like, wow, you know, I'm not there. You are not prevented from seeking, you know, your income and your revenue at that time. You know, like you don't have to be pre-venture as we would call like before you've been, but if you are just early venture where you're in the very early stages of your business. So always, you know, our first advice is always, you know, the sooner you can get profitable, the sooner you can get customers, clients, whatever it is, and we'll be coaching you through it. It's not like you have to put opening your business on pause. You know, we want you actively still working and getting on it.
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where we make our recommendation and you present how you're going to use the funds was really joyful that time because ‸ i will say this last time you know we had a really solid plan this is exactly How these monies will be used to help my business and you know they were ready to go, you know, say yes, and and I'm headed off to place the order. So ‸ I know it's hard, but but it doesn't prevent you from working on your business, growing the business between now and then.
and
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with the um business that did complete the program. I wanted to know um how vocal you guys were about how they vetted the location of their business, because I found it interesting that he would have gone into quite a depressed area as a as a new business. I would be very hesitant to do that. And for sound business practices, I would wonder, like, with your coaching, would it be great for us to be in the Diamond Square area or how are y'all going about supporting businesses that's in
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Yeah,
I think Chef's Kitchen is actually a great example of how the right business with the right marketing with the right appeal, you know, can find success. And
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But a very family friendly soul food restaurant that is open to, you know, really, it's a community gathering place has been embraced. And we've heard from many clients that seek it out then because they've heard and they've done such good marketing. And that was a big part of what they're um working with was, was they have a great social media following
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does an awesome job with that.
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soul food experience. Right? So I think the right business in the right place and I hear your concerns. i i I understand that the Diamond Square district maybe is not what you envision like, oh my business could thrive here right now. But the purpose of this program and ‸ the purpose of what the city and the CRA is doing is to to build it back up so it gets there. So you're really becoming a piece because the more value we bring to the community that other businesses come and then more tax is generated and then they can reinvest more into the community. ‸ Maybe next year it's four businesses that could get a sponsor, you know? So it kind of helps build in the right direction. And
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and
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for the small business, and they're they're doing a great job with the established businesses and kind of the traditional commercial sectors. And then in some of the development, and then some of the new developments that's coming. So
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um you know, if anything, can I buy property? Right? No, I can't say
‸ And I think that's, I mean, that's really is the key, is that we venture peace. That's why it was so important for us, because it's, it's we want these businesses to succeed. And, in or yes, it may be a depressed area or an area that doesn't do well right now for businesses, but we're, that's what we're hoping to change. We're hoping to bring in businesses that know how to be successful and can be in their long term. So that is our goal with this program, is to bring successful businesses
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‸ And, you know, and if I'm not mistaken, though, I do think that Chef's Kitchen already had their location before they applied for the program.
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were
in process. ‸ They were moving. Yeah, they were somewhere else, and then they moved.
So were they were granted on the basis of expansion, which is one of the. They
moved from a different location into that location and expanded.
‸ they were still um under. I
think they were ‸ new business. Yeah, they were still a new business
The Diamond, the theory that you're showing in the green, you have 520, you have Fisk as an edge, and then you got Peachtree Street. Those are really your major commercial areas. The rest of that is ‸ residential, and a lot of the south side of that is Section
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housing.
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people? And I'm a cocoa business. I've been ‸ business for quite a while. But going down 520, there's a lot of growth there. There's a lot of potential of growth. And you're all trying to help the people coming in here doing this. And I'm not trying to speak out of line, but we're trying to help them find those places on 520 and on Fisk where you've got the traffic and you've got people.
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all these nice nice looking buildings up
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Nobody in them. And i I don't understand that, but I mean, I've just been in business a long time. But it uh you know
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I, you know I'm not trying to, but I think it's a great idea that you should be trying to help them find those locations and make it turn into it.
And
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of that mentorship program is, you know, what is going to work and what's going to be successful for that specific business? Is it going to be on 520 or is it going to be on Stone Street? You know, what is it that's going to be successful for that specific business?
And again,
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it is restricted by law. You know, like funding generated from a redevelopment agency must be spent within the redevelopment agency. And so that's why I think it's really nice that there are uh an equal balance, that
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including, you know, that US-1 corridor that's in blue. And then three that are funded by
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Okay, I kind of want to piggyback on what
he
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said, but in terms of business with the ‸ residential areas, is there incentive plans for growth for, you know, people to move back into the areas where we are trying to develop businesses?
like
Do y'all have a vision for the
for that plan that, you know, to get people back into the areas, um into housing in the areas so that they're close to the places of businesses?
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And that we have an entire plan that is online. You can read through um our Diamond Square board. They hold monthly meetings. They get what the community would like to see. So they have an entire plan in place. um Affordable housing is a huge um push right now.
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to get in there and build some affordable housing in the area. um So, yes, there is um a plan in place. um And housing is a huge piece of that because there is so much housing in that Diamond Square community. um But there is that business development as well. um You know, Stone Street used to be the hub of businesses. And so, um you know, we, that was why the streetscaping project along Stone Street was such an important project for them because they wanted to make sure that that Stone Street comes back. And um so hopefully we can get some businesses in there again
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to uh find out if um
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I think it's called Upstart, right?
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already have to have
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okay
um and that will qualify you for the ignite 360.
‸ so if you get selected
for the program as one of the five that gets selected, um you will be then part of the we venture Ignite 360 program. That's the the mentorship and education component to the program. But like Catherine said, you don't have to, if you aren't selected, if you are not one of the five that gets selected, you can still go through that program on your own. You don't have to do
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And I'd like to mention this because um because the representative of we venture that was here this morning, um we venture does offer other free programs as well. um
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Not just the Ignite 360 program.
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they offer.
Yeah. And
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low or no cost. Like some you know programs have, uh we do a business start our pathways business start. It's 40 for ‸ four session, right? So it's pretty low cost. A lot of our biz ed is free. Our business coaching is always free. The Ignite program is fee for service. It's still available to anyone. And and we have clients that go through it. But because you get such significant time and ‸ support and stuff, there is a fee associated, but ‸ you know, if you know, people who've been through, you know, business consultants and things can cost tens of thousands, we're still very affordable. Again,
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months or more, depending on the, which
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you know, we put you on, but free business ed, free business coaching. And, and it's not just through us. I'll even mention even up here a little bit closer because
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do a lot of our coaching, um via zoom these days because it's just so convenient. But if you are into in person, we always are happy to meet in person. And then the SBDC is another SBA program. That's located right at the Eastern Florida campus off Clear Lake. um And they offer very similar programs in terms of business coaching and mentorship. So we're all here to support the business community
We
have one question in the back.
Yes,
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I have just one question on the map as well.
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might not be included. If, like, the address I'm looking at is a
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address. That's
a great question. um And we had it earlier as well. So,
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on sharps. But
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um It's technically unincorporated Brevard. Same thing with um
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um he, um zoomed out, but the, the grade areas are what is considered city
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And because the funding is
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a
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anything we pay for the program. And
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forgivable law.
And I think you had a question. um
i
just, I'm sorry. ‸ We'll
be here. You can ask a question when it comes back to you. And I think you had a question.
Yes, just
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and final and then ‸ I'll be done here. um one thing that would personally help me as a small business owner and hopefully to expand to a location that. Hopefully will
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I live is most easier for me um and thinking about this program and if I am accepted and go through the program and I have to be in business
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years and this may be a city council meeting question. But one thing that got me excited is that I heard rumors about um this huge, amazing opportunity of this train that's coming from Orlando to Miami. Is that going to be a stop that's going to be somewhere in this area that will obviously bring more business? And I heard about maybe there there was going to
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Things like that is what ‸ I think of that ‸ will help my business continue and to grow over three years,
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in order to be a part of this program.
So the quick answer is yes, we would love all of that to happen. um There is not currently a plan to
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but we are actively pursuing a stop in
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We that is the top priority for the city economic development
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in the city of
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And so that is our plan, but it is not something that has been approved. It is technically the plan of the entire county is for ‸ that station
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one stop location right now is the, um where the bend is ‸ where it turns to, um in north right by Walmart.
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that's where the proposed stop is for planned, but they have not definitively said ‸ anything.
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committed to is that they would like to get the train running first once they have the train running, um and they can assess it at that point. Then they will make a determination about future stops. but that is our goal is to have that same hotel location. um the, there was a hotel plan
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um it is no longer happening right now, but that location is still going to be a hotel site. It's just not with the developer that was selected before. So now it's going to go back out to RFP for a new developer to come in and hopefully this one will get done actually get done. So that is our, and
then one final question. um if I, or if anybody is selected for, um this program and able to go through and we're working with, we venture and they're saying, you know, they're expressing how much of a, great business idea this is. And what if there's an opportunity where they're like
they're like
this is so good and we really want to support you,
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is there open? I understand that budgets are budgets, what you set aside and what you have, but is there opportunity where you would offer, say, and say, you know what, we really
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is not gonna ‸ really do much for you. Let's see what we can do, whether we help you find more funds or give them through you through the upstart. Is there any opportunity for things like that?
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access to funding is the number one challenge
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is what they will have for that year. And our goal is to have, you know, five viable businesses and award them the full amount. From we ventures perspective, we work with all our clients to try to help you get access to the funding you need but it is a I would be doing you a disservice if I made you think that there are people waiting around to give out money. Grants like this, what the city is doing, are very rare and ‸ they're wonderful and so they're very competitive. You know, you might see the billionaire that starts her grant fund and she's trying to help and then there's tens of thousands of people that apply. They're very competitive. The best way to get the access to capital that your business needs is to work with someone like us to make sure you're growing and showing year-over-year growth. And at year two, let's get you in a position, maybe
year
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three, you know, you where you can go to a bank and say I'm ready for a business loan so a business plan should always be developed with your growth in mind, but understanding profitability, whether it's small, whether it's your initial, whether it's your phase one, whatever you want to call it. Being profitable and showing that you have a viable business plan is step one. And once you do that, then we ‸ can talk about scaling and growing up a business. Yes.
‸ So unfortunately that's what we have budgeted. so
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you if you're planning on doing something mobile, if
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that diamond area or so
it just depends ‸ I I think it's based where your your business addresses so what you register under your business tax receipt. So it'll be that's where we're basing it off of. But mobile vendors have a specific requirements and
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to have established hours and that you're going to actually
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any other questions so I first off want to
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actually committed to wanting to learn more about the program. so thank you all for being here I really appreciate it and thank you for the wonderful questions both
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if you would like to grab it we are available at all times my cell phone number is on here. You can reach me at any time. You can email us with questions. But be on the lookout. The program will open up tomorrow. The application will open up tomorrow. We are available. If you have any questions throughout the process, just let us know.
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We're really looking forward to having as many businesses as possible like I said
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and
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So thank you again for all for being here. And if you have any other questions, we're going to be here.
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