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Archive for ◊ August, 2016 ◊

Aegis Business Credit announced the graduation of a manufacturer of specialty, high-capacity batteries after Aegis provided a $500,000 factoring facility. The additional working capital enabled the company to utilize updated technology to extend battery life, taking advantage of evolving demands of today’s aviation industry. With improved profitability, the company is now able to qualify for traditional, commercial bank financing.

Aegis Business Credit provides asset based loans and factoring and to a variety of industries and clients from $250,000 to $3 millon throughout the southeastern region.

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The senators first stop was to St. Laurent Bros., 1101 N. Water St., which at 112 years old, is one of the oldest candy shops in the state. The quintessential small business opened in 1904 by brothers Joseph and Alex St. Laurent and was later taken over by the son of one of the brothers — Howard St. Laurent. Along with his wife Mary, the St. Laurents ran the business until 1985 when Steven Frye took over ownership, along with Keith Whitney. Whitney died unexpectedly in 2015 at the age of 61; Frye continues to run the business.

Best known for its vast selection of chocolates and nuts, the candy shop also sells homemade peanut butter.

Its a big deal when a senator comes into your business, Frye said. I feel like if I ever have a problem, I have someone in Washington who I can call.

Stabenow said the tour is also an opportunity to learn about challenges that face small business owners.

Frye told the senator he has concerns with new Food and Drug Administration regulations that can leave his business drowning in paperwork.

It sometimes feel like its a one-man job to get through it all, which makes it tough, he said.

Stabenow said Frye isnt the only business owner across the state with concerns about a new FDA food safety process.

Ive been hearing a lot of concerns from small businesses about the paperwork involved, she said. Thats something were really going to go back and dig into.

She also said small business owners continually deal with challenges in obtaining funding. Last year, she, along with Sen. Gary Peters, D-Pontiac, introduced the Small Business Access to Capital Act, which reauthorized the states Small Business Credit Initiative. The legislation provides an additional $500 million in formula funds to all states based on the original 2010 law. Michigan received about $26 million in new funding — more than any other state except Florida and California.

Ferne Boutique is one of Bay Citys newer small businesses, specializing in womens clothing and accessories. After opening in August 2015 near the intersection of Fifth and Water streets, the stores success forced owner Laura Horwath to expand into a space nearly double in size on Washington Avenue, across from the historic State Theatre.

Stabenow was impressed with the upscale city feel of the womens boutique, encouraging Howarth to continue to expand into other Michigan cities.

But make sure to keep this store as the Bay City international headquarters, Stabenow said. I can see it now.

Tavern 101 was the final spot on Stabenows tour. Dave Dittenber, owner of the restaurant, in addition to Old City Hall and American Kitchen, said, Its nice that (Stabenow) is aware of whats going on in Bay City.

Theres a lot of positive things happening here right now, so having someone like that in your corner is a great thing, he said.

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Adam Fisher: A home mortgage minus the home
Friday, August 26th, 2016 | Author:
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  • Banks have exposed themselves to litigation because denial of credit to a customer on the basis of such unjustifiable reports could be injurious to businesses and even reputation.
  • There is little use for positive information if it is not being used to price credit for good borrowers. And with that in mind, it should then not surprise banks that there is such a popular clamour to control interest rates.
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