Latest / The SmallBizChat with Melinda Emerson / Finding Business Funding with Kedma Ough

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Finding Business Funding with Kedma Ough · The SmallBizChat with Melinda Emerson

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  And yet, when I ask someone what their funding strategy is, honestly, they say, I'm applying
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  for a loan to my bank.
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  That's not a funding strategy, guys.
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  Okay?
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  That's just a pick up the phone and talk to your bank.
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  A funding strategy is when you look at key variables.
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  That's the key.
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  Key variables that are specific and unique to you.
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  Hi.
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  This is Melinda Emerson, the small biz lady host of the small bizhette podcast.
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  I want to serve you.
• 0:29
  This pandemic has been so hard on America's small businesses and on just America in
• 0:34
  general.
• 0:35
  If you're ready to start your dream business, boy, do I have a great offer for you?
• 0:40
  I am giving away 1000 copies of my best selling book, become your own boss in 12 months.
• 0:46
  Over a hundred thousand people have this book is been printed in multiple languages around
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  the world, and I wanted to find a way to serve America small businesses in this pandemic.
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  And so I am giving away a 1000 copies of my book.
• 0:59
  All you have to do to get your copy is head over to beginmybiz.com/ free offer to, you
• 1:06
  know, sign up for your copy.
• 1:08
  All you have to do is pay shipping, and we will mail one out to you.
• 1:11
  I am so excited about this.
• 1:13
  I wanna serve you, grab your copy today.
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  I left off.
• 1:18
  Ending small business failure.
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  Welcome to the Small Biz Chat podcast with the number 1 small business expert Melinda Emerson.
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  Bolinda's goal is to end small business failure, and she'll give you the information
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  you need to succeed and live the life you dream of.
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  Now, here's the small biz lady herself.
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  Melinda Emerson.
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  Hi, everybody.
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  I'm Melinda Emerson, small biz lady, and I wanna welcome you to small biz chat live.
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  I'm America's number one small business expert, and I'm so excited to be here with you tonight
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  because I have an amazing show in store.
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  The small business chat podcast is a peer to peer interview show that gives small business
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  owners a way to get invaluable insight and expert advice.
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  The mission of small business chat is to end small business failure.
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  Our goal is to give you small business advice and an opportunity to just hear from seasoned
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  experts who are gonna give you all of their secrets to business success so that you can
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  take your small business to the next level.
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  Alright.
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  It's time for me to introduce my guest Now let me introduce my next guest.
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  Her name is Kedma O, and she went from a credit score of 4.50 to 8 20.
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  And she has helped thousands of small business owners and inventors find business funding as
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  one of today's most respected authorities on small business funding Kenma has advised more
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  than 10,000 businesses and helped them access over $100,000,000 in funding.
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  For 2 decades, she worked for the SBA in leadership roles with the women's business
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  development center program and with small business development centers.
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  Her best selling book target funding is a navigation system to identify targeted grants
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  and funds for business owners.
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  She's also a proud 5th generation entrepreneur and her as her great grandfather peddled
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  various products throughout Ireland.
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  For more information, you can go to kedma0.com.
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  Alright, Kedma.
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  Thank you so much for joining me tonight on the small business chat podcast.
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  Thank you.
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  I'm excited to be here.
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  Oh my gosh.
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  Well, listen.
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  You're the money, honey.
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  That's all what I call you.
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  So what I wanna know is where do I find money for my small business when times are tough?
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  Because for a lot of small businesses out here, you know, 2020 was not awesome, and they're
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  still trying to dig from 2020, frankly.
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  So tell me what what should you be thinking about if you need money and maybe your
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  credit's, like, not so awesome right now?
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  Yeah.
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  Well, first, I wanna honor that the best decision I made in my life around money was to
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  go bankrupt because I had to prove that I could find the money in the worst scenario.
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  And what I can promise you is is that in the worst scenario with the worst credit and having
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  filed bankruptcy, you can still find a way, but you have to think about it differently.
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  So in my line of work, when someone says I need money, we have to first dive in and understand
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  what do they need it for?
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  Because that is where we begin the conversation.
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  If they say I need money to train employees in my head, because I've been doing this for so
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  long, I may be able to find them training dollars that the state is going to cover
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  typically up to $10,000 per employee for 6 months without workman's comp having to be
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  paid.
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  That's just one, and we haven't even started playing the game.
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  So what I wanna make sure we're clear on is if anyone you're talking to says, you're out of
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  luck, Just say thank you very much and pick up the phone and call me.
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  Okay?
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  There is always a way, and we have to just walk away from people who don't think like we do.
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  I love it.
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  I love it.
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  Alright.
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  But now is it different for women and minority businesses?
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  Because we know just from what happened with the PPP loan, there were there was a sperity
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  between who got PPP loans and who didn't.
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  So I hear you, and I'm and I'm, like, power to the people with what you just said, but is it
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  different for for women and minorities out here trying to get money for their business?
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  You know, one thing about me Melinda is I'm a straight shooter.
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  I think because I was born in the Bronx.
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  I'll always tell you what I really think.
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  The answer is yes.
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  If you look at it from an economic perspective, which is where it came from, We are still
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  climbing the ladder and trying to level the playing field.
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  This is a game.
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  Money is a game.
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  But if we don't have all the resources and some of us have more resources than others, they're
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  gonna play the game differently.
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  So when you ask me this question, yes.
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  Because statistically, let's talk about women.
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  Women have had a hard time getting lending because they don't have the collateral they
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  meet.
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  How do I know this?
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  Because I was part of in my own state lobbying and supporting the senator to say, listen.
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  We're dealing with businesses that can show you the cash flow.
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  They're bringing in the money.
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  They're supporting the marketing plan that John's talking about.
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  But now you're gonna say no to them because they don't have the collateral.
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  So yes, Melinda, the truth is we're still climbing.
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  It's still a challenge.
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  But it shouldn't stop us from moving forward.
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  Alright.
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  I'm I'm I'm gonna leave that there because we can I don't know my soapbox about all of it,
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  but Yeah?
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  So let's many business owners understand that they need target marketing to cater to ideal
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  customers.
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  However, Doesn't it benefit small business owners to consider target funding as much as
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  you talk about target marketing?
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  Yes.
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  This is probably my favorite, response because when I coined target funding and it just It it
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  blew my mind that in the space of marketing, we talk about how we target our customers, knowing
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  their demographic, their psychographic, their geographic, scope.
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  And yet when I ask someone what their funding strategy is, honestly, they say, I'm applying
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  for a loan to my bank.
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  That's not a funding strategy, guys.
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  Okay?
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  That's just a pick up the phone and talk to your bank.
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  A funding strategy is when you look at key variables.
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  That's the key key variables that are specific and unique to you.
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  So, Melinda, if I was working with your business, your variables will be very different
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  than John's business and very different than Pamela's business.
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  Now how do I know that?
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  Because when I look at money, I'm looking at Is it tied to someone's ethnicity?
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  Cause I can find money if you're an African American or a native American.
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  Is it tied to your gender?
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  Is it tied to your sexual orientation?
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  Is it tied to your geographic thing?
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  Now I'm Melinda's eyes are going up, so I'm not gonna go any further.
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  But my point is this, My point is this.
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  If you wanna play the game right, stop thinking about one asset and think about 12.
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  I want you to give you an image before I continue.
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  This is like a pizza pot.
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  You don't wanna eat the entire pizza.
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  You wanna slice it into 12 different slices.
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  That's how I think about money.
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  12 different options so we can play the game and put the power back in us, the people.
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  I love that.
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  I love that.
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  I'm sure a whole lot of people's ears just perked up.
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  So so not one bank with 121212 options of people too.
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  So that that's that's an amazing, strategy that I don't know that I've ever thought about it
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  quite like that.
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  So I know that you have some different theories and strategies about debt management.
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  And so I wanted to know if you could just share with us a little bit about maybe how people
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  could view debt because I think some people are scared of that.
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  People I there there are people out here who were offered EIDL loans that were scared to
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  sign for the loan.
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  And I was like, what?
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  You know what I mean?
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  Like, you're never gonna be able to borrow money cheaper than this in your lifetime.
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  But there were people who called me and said, I'm scared to sign up for this loan.
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  So let's talk about just just the mindset, what we should be thinking about as it relates to
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  debt financing.
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  Yeah.
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  So for anyone who reached out to Melinda and said, I'm scared I'm going to speak directly to
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  you.
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  Get the money, and then I will show you how to spend it.
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  Okay?
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  I wanna make sure you get the money because if you don't get it, your competitor will get it.
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  This money is entitled to you.
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  So I want you to imagine right now that the government has literally put a certain amount
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  of money and says, this money belongs to Melinda Emerson.
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  It's not for someone else.
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  So I'd like you to come and collect collect your money because it's in an envelope, and
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  it's for you.
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  So that's the first thing.
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  The second thing is there is this philosophy that if we don't have debt, we're gonna be
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  right.
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  Now I love Dave Ramsey.
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  Dave Ramsey's philosophy is get out of debt, but he's talking about personal debt.
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  We're talking about business debt.
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  It is good to have EIDL.
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  That's good debt on your balance sheet.
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  Having credit cards at 25% is bad debt.
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  So what we have to do is realize that debt can work in your favor straight up If I get a debt
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  that's 3.75 percent and I use that money for payroll, but the money that I didn't have to
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  use for payroll, I can put in my brokerage account, which I have, and that may yields me
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  15%.
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  I'm making money.
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  Okay?
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  And so I want you to take that fear away.
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  One last thing, and I'll stop.
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  When I work with money and I tell you we're gonna get money, I am not the gal that's gonna
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  say, stop drinking your latte every week.
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  I don't care how many lattes you drink.
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  I'm not here to have you stop drinking your loctech.
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  I'm here to find money that you don't know exists yet.
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  But that you deserve.
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  I love it.
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  I love it.
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  So when it comes to applying for financing, Mhmm.
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  We should go to our bank, though.
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  Right?
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  Yes and no.
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  Everyone that I have worked with for the most part are experts in a certain aspect of
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  funding.
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  You will meet someone who says, I just do traditional lending.
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  You will meet someone who says, I do just crowdfunding.
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  You will meet people who say I just do licensing with inventions or someone who says I
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  do grants.
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  I work in every aspect of funding because we may not need to go to that lender.
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  We may look at other funds.
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  However, even if I'm playing the lender's game, I'm not all about just one lender.
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  I love to play the game where I'm working 2 or 3 lenders because The underwriting is going to
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  be different.
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  It could be different in the credit score.
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  It could be different in the length of the loan.
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  It could be different in how much they wanna give you.
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  I had a case come where, a a a business was looking at a additional capital for 300,000.
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  Landry was giving them a bad deal.
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  I don't care how we slice it.
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  Their own lender was giving them a bad deal and said we are not gonna give you more than
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  300,000.
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  They came to me.
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  In 6 weeks, we landed half a $1,000,000 deal.
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  And instead of a 10 year term, they're out 25 years.
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  So everybody's happy except the lender that they went to the first time.
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  My point is gotta play the game and be strategic.
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  This is like a chess match.
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  Every part of the piece of the puzzle in the chess match you have to know they're playing
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  differently.
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  So how I treat a lender may be very different than how I treat an investor.
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  I love it.
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  I love it.
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  Well, listen.
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  You guys, we are talking with the amazing Kedma O.
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  She is breaking it down for us.
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  If you need funding for your business, you wanna stay with us.
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  We will be right back on Melinda Emerson.
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  Stay with us.
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  Hi.
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  I'm Melinda Emerson, small biz lady, and I'm known as America's number one small business
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  expert.
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  I know a thing or 2 about how to run us successful business, I've been running my own
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  for over 20 years.
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  And I'm often asked, how do I actually become my own boss?
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  It starts with knowing what you want and why.
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  Then you need to figure out how you're fun your dream business.
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  Next, you must research your idea and make sure you understand everything that's involved.
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  Next, you must determine your target customer then complete your business plan.
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  And finally, it's time to start your business as a side hustle first, if you can.
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  I wrote my best selling book, becoming your boss in 12 months, to give you a road map to
• 14:08
  success.
• 14:09
  And over a hundred thousand people in multiple languages around the world have been helped by
• 14:13
  this book.
• 14:13
  And now to support people affected by this pandemic, I'm giving away a 1000 copies of
• 14:19
  becoming your boss in 12 months for free.
• 14:22
  All you need to do is pay the shipping and handling fees.
• 14:25
  If you're ready to turn your calling into income, claim your free copy of my book today.
• 14:31
  Don't delay.
• 14:32
  This offer is only good implies last.
• 14:35
  Click the button below and get yours before they're all gone.
• 14:39
  Hi, everybody.
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  Welcome back to the small biz chat podcast I'm here with my guest, Kedma.
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  Oh, she is the alternative funding guru, and I'm so excited that she's here with me on the
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  small Bishop podcast.
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  Alright, Kedma.
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  Let's talk about it.
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  It's one thing to get the money, but what about cash flow management?
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  That seems like that's a hard thing for small business owners.
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  How can we all get better?
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  Well, first of all, when I think about cash flow, there's a couple of things.
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  First, you have to decide.
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  Are you a visionary or you're an integrator?
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  You know, are you a saver or you're a spender?
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  Because I've seen people get tons of money Melinda, but they don't know how to use it.
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  They don't know how to use it.
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  They will say, well, I'm putting all my money in Google, but then they're not doing the
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  analytics.
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  Or they're saying, you know, I need a lot of cash, and I go, well, how's your sales?
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  Well, the sales are coming in.
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  Well, are you closing them?
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  No.
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  I'm not closing them.
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  Well, you don't need money.
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  You need to learn how to close deals.
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  You don't need money because you don't know how to close deals.
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  You're just taking all the money spending it on Google, and you're just putting it in in the
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  flame.
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  So the first thing we need to do is we have to understand your business and where you should
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  be on a net margin.
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  I like to see in most industries a minimum of 15%.
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  So I'm just gonna break it down super quick, and then we'll move on.
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  If someone comes to me, it's it's just so exciting.
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  We're like, man, I'm making $400,000.
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  My money's coming in.
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  First thing I say is, let me look at your net profit.
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  I don't care how much money's coming in.
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  I wanna know how much is staying in.
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  Right.
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  So when I look at it and I go, woah.
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  Yeah.
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  Now glad you made 400,000, but it says you actually lost 50.
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  Oh, well, well, well, yeah, Well, we're gonna work on that first and figure out how we can
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  fix it.
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  So we have to be prudent on how we're using the money.
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  And one of the ways you can do that is to strategically work with resources to reduce the
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  amount of cash you have to spend and use the resources to leverage what you need.
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  Love it.
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  Love it.
• 16:46
  Alright.
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  So that lends me into my next question.
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  What are the biggest five mistakes, financial mistakes that people?
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  Man, what are the biggest?
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  Number 1, you're gonna hate me.
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  They listen to the bank as the be all and end all.
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  Listen, I love my bankers and anyone on here.
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  They know I treat my bankers.
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  I take care them.
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  But 9 out of 10 bankers that I've actually interviewed, and I say, Ben, how many
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  businesses have you had?
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  You know what they say, Melinda?
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  Come on, Ted.
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  Mom, I'm not going into business.
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  Are you crazy?
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  That's too much risk.
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  So don't assume your lender knows everything.
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  And the other thing, Melinda, related to that is if the lender rejects you, they're not
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  sending you anywhere most of the time.
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  Right?
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  So second thing, is to realize don't listen to people who say it's can't happen.
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  If I can get out of bankruptcy and find money, I guarantee you can.
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  3rd, stop looking at the pie in the sky and listen to every other coach in the world that
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  said you're gonna make $10,000,000 in the next 30 days.
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  Alright?
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  This is absolutely garbage.
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  I hate to tell you.
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  The average person has to do what John said.
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  Hussle.
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  Every day, every week.
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  Rob's like nodding his head every year.
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  You know?
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  The truth is is that it's hard work.
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  So if you're gonna get in the game, you have to manage your finances.
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  Number 4th problem.
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  Outside of the bank, they're listening to the wrong people.
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  This is what I say.
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  The only people you have permission to listen to is the people that have the lifestyle you're
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  trying to achieve.
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  Okay?
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  Now I'm not saying I'm special, but I have a pretty okay lifestyle.
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  Doesn't mean that I have the biggest house.
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  But I have the freedom to do whatever I want.
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  So I can confidently tell you about how to play the money.
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  And the 5, you got you have to learn.
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  The reason I did target funding, it took me 15 years to figure it out 3 years to write the
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  book, and then people quavble over 25 bucks.
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  I go listen to me.
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  You wanna work with me.
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  It's $300 an hour.
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  You wanna learn everything I know is 25 bucks.
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  What's the issue here?
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  Alright.
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  I love it.
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  I love it.
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  What is the best business advice you've ever received?
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  Ouch.
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  That's a tough question.
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  I think that what I had to learn and the best business advice was to be a success from your
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  own product.
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  The only reason I can confidently stand here is because I reverse engineered it.
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  And if you Put me in that position again.
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  God, you know, if I had to go again and starting tomorrow, I had to file bankruptcy
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  again.
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  I would be back here in 12 to 24 months saying I figured it out again.
• 19:35
  I want everyone to know this is a system, this is a formula, this is a recipe, and you deserve
• 19:41
  to be successful and a story.
• 19:45
  I love it.
• 19:45
  I love it.
• 19:46
  Thank you so much, Kedema.
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  Your advice is invaluable.
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  I know you said that there was one grant you had.
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  You wanted to with everybody.
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  Tell us what it is.
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  Okay.
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  I love I love and I have tons of grants in my head and on paper.
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  Here's the number one grant I want you to do.
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  I want you to go on right now or after this show, go to Google, want you to key in a term
• 20:06
  individual development account.
• 20:09
  It stands for IDA.
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  Now check this out.
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  7 out of 10 businesses I work with are going to qualify.
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  It's a hand up, not a handout.
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  Now imagine Melinda, if I get you into this IDA and you get a opportunity to get an extra
• 20:22
  $40,000 into your business that you don't have to repay back.
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  That's what this program can do for you.
• 20:28
  Not only for your business, but it can actually help you get into your own home.
• 20:34
  The reason we have so much poverty, 37 million people are living in poverty My honest opinion
• 20:40
  is because they don't have enough assets.
• 20:42
  So one of the thing the program does is we're gonna level the playing field.
• 20:46
  Gonna help you maybe get into education, We're gonna help you with entrepreneurship, or we're
• 20:50
  gonna help you get your own home.
• 20:52
  So look up IDA.
• 20:54
  It's a program from the government.
• 20:55
  And it's usually a 3, 5 or 8 to 1 match.
• 20:59
  So it goes like this.
• 21:00
  John gets into the program.
• 21:02
  John says I need to save.
• 21:04
  And he's in the 8 to 1 program.
• 21:07
  Every dollar he'll put into that for his business, the agency will match him 8 to 1.
• 21:13
  So if he puts in a 1000, he's gonna get 8000.
• 21:16
  He gets that money back as a grant towards his company that he does not have to repay back.
• 21:23
  It is a game changer and has generationally changed the lives of the clients I serve.
• 21:29
  Alright.
• 21:30
  Good stuff.
• 21:30
  Kenma, what's your favorite app?
• 21:32
  My goodness.
• 21:34
  I don't have, well, I would say fitness pal because I'm all about health for my clients as
• 21:39
  well as their funding.
• 21:41
  So I incorporate their, the health aspect, and sometimes I require them to, you know, show me
• 21:47
  where they are.
• 21:47
  So that would be my favorite right now, fitness
• 21:50
  Alright.
• 21:50
  That's good.
• 21:51
  I'll take it.
• 21:53
  What is your favorite old school marketing tip?
• 21:57
  I mean, my marketing tip is just pick up the phone and have a conversation.
• 22:01
  And just because they said, no, doesn't mean they're gonna say no next week or next month.
• 22:06
  So That's my old school stuff is I I pick up the phone and and does have a dialogue.
• 22:12
  Love it.
• 22:13
  Love it.
• 22:13
  Kedma favorite business book.
• 22:15
  Number 1, always.
• 22:17
  Tim Ferris, 4 hour work week.
• 22:19
  I literally designed my entire life and and traveling all over the world.
• 22:24
  And systematically don't have to be anywhere to be successful.
• 22:27
  I love that book, and I love the automation behind it.
• 22:31
  Awesome sauce.
• 22:32
  Well, my favorite business book is Disrupt You by Jay Salmon.
• 22:36
  He said if you wanna disrupt the world, start by disrupting your cell.
• 22:40
  I love it.
• 22:40
  So, listen, thank you guys so much for coming on the small biz chat podcast.
• 22:46
  Thank you so much again to my guests.
• 22:48
  I'm Melinda Emerson, the small biz lady.
• 22:50
  Listen.
• 22:51
  If you're still struggling, fig figuring out how to sell online, head on over to
• 22:55
  smallbizladyuniversity.com, For the holidays, my signature course, how to sell and market
• 23:00
  online is discounted by 50%.
• 23:03
  Look, you're never gonna get it this cheap, so you better go get it now.
• 23:06
  From now to the end of November.
• 23:08
  We're gonna be offering it for 4 97.
• 23:10
  So head over to smallbizladyuniversity.com and check it out.
• 23:14
  With that, I always tell you that you never lose in business, either you win or you learn.
• 23:19
  Goodbye, everybody, and god bless.
• 23:23
  Thank you for listening to the Small Biz chat podcast with Melinda Emerson.
• 23:28
  For more resources and small business success strategies, visit succeed as your own boss.com.
• 23:35
  Subscribe to this podcast wherever you listen to podcasts and join us next Wednesday.