Owning Your Own Business

Owning Your Own BusinessOwning Your Own Business

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Owning Your own businessOwning Your own businessOwning Your own businessOwning Your own business

Exploring Yours OptionsExploring Yours OptionsExploring Yours OptionsExploring Yours Options

There are 3 popular ways to own your own businessThere are 3 popular ways to own your own businessThere are 3 popular ways to own your own businessThere are 3 popular ways to own your own business

1st Option: Start your own business1st Option: Start your own business

2nd Option: Buy an existing business2nd Option: Buy an existing business

3rd Option: Buy a Franchise3rd Option: Buy a Franchise

11stst Option Option11stst Option Option

Start Your Own BusinessStart Your Own BusinessStart Your Own BusinessStart Your Own Business

Should I or shouldn’t I?Should I or shouldn’t I?

Financial IssuesFinancial Issues

Do your homeworkDo your homework

Talk to professionalsTalk to professionals

Setting up your own businessSetting up your own business

Start your own businessStart your own businessStart your own businessStart your own businessShould I or shouldn’t I?Should I or shouldn’t I? What Skills Do I Need?What Skills Do I Need?

Should I or shouldn’t I?Should I or shouldn’t I? What Skills Do I Need?What Skills Do I Need?

Business experienceBusiness experience

Management skillsManagement skills Sales skillsSales skills People skillsPeople skills

Ability to work independentlyAbility to work independently Ability to work independentlyAbility to work independently

Work well under stressWork well under stress Work well under stressWork well under stress

DisciplineDiscipline DisciplineDiscipline

TenacityTenacity TenacityTenacity

OptimismOptimism OptimismOptimism

Ability to work with peopleAbility to work with people Ability to work with peopleAbility to work with people

Start your own businessStart your own businessStart your own businessStart your own business

Should I or shouldn’t I?Should I or shouldn’t I? What personal traits do I need?What personal traits do I need?

Should I or shouldn’t I?Should I or shouldn’t I? What personal traits do I need?What personal traits do I need?

Loss of moneyLoss of money

Loss of your homeLoss of your home

Unreliable incomeUnreliable income

Business could failBusiness could fail

Loss of your current jobLoss of your current job

Personal liabilityPersonal liability

Start your own businessStart your own businessStart your own businessStart your own businessShould I or shouldn’t I?Should I or shouldn’t I?

What are the Risks?What are the Risks?

Should I or shouldn’t I?Should I or shouldn’t I? What are the Risks?What are the Risks?

Financial IndependenceFinancial Independence

Freedom to come and go as you pleaseFreedom to come and go as you please

Implementing your own ideasImplementing your own ideas

Can’t be fired or laid offCan’t be fired or laid off

Personal satisfactionPersonal satisfaction

You can sell the business or cash outYou can sell the business or cash out

Being your own bossBeing your own boss


What are the Rewards?What are the Rewards?

Should I or shouldn’t I?Should I or shouldn’t I? What are the Rewards?What are the Rewards?

SecuritySecurity

BenefitsBenefits

Regular hoursRegular hours

Less stressLess stress

Regular paycheckRegular paycheck

Less responsibilityLess responsibility


Am I Better Off Working a Job?Am I Better Off Working a Job?

Should I or shouldn’t I?Should I or shouldn’t I? Am I Better Off Working a Job?Am I Better Off Working a Job?

CashCash

Insurance cash valueInsurance cash value

Home equityHome equity SavingsSavings

401 (k)401 (k)

Saleable personal propertySaleable personal property

Friends and FamilyFriends and Family


Financial Issues?Financial Issues?Determine How Much Capital You Have AvailableDetermine How Much Capital You Have Available

Financial Issues?Financial Issues?Determine How Much Capital You Have AvailableDetermine How Much Capital You Have Available

Lease depositsLease deposits InsuranceInsurance

Furniture & fixturesFurniture & fixtures InventoryInventory

Office equipmentOffice equipment SuppliesSupplies

WebsiteWebsite Licenses & permitsLicenses & permits

Working capitalWorking capital ComputersComputers


Financial Issues?Financial Issues?What Capital Do I need?What Capital Do I need?

Financial Issues?Financial Issues?What Capital Do I need?What Capital Do I need?

Identify several similar companiesIdentify several similar companies

Observe space elementsObserve space elementsSee how they advertiseSee how they advertise

Talk to sales staff and managersTalk to sales staff and managers

Observe their sales methods Observe their sales methods systems & proceduressystems & procedures

Visit their websitesVisit their websites

Go in as customerGo in as customer

Start your own businessStart your own businessStart your own businessStart your own businessDo Your HomeworkDo Your HomeworkVisit Similar BusinessesVisit Similar Businesses

Do Your HomeworkDo Your HomeworkVisit Similar BusinessesVisit Similar Businesses

Do local and national searches of specific companiesDo local and national searches of specific companiesDo local and national searches of specific companiesDo local and national searches of specific companies

Google searches on the category of businessGoogle searches on the category of businessGoogle searches on the category of businessGoogle searches on the category of business

Obtain information from sites’ business opportunities Obtain information from sites’ business opportunities or franchisesor franchises

Obtain information from sites’ business opportunities Obtain information from sites’ business opportunities or franchisesor franchises

Obtain “Owning a Business” materials by web-search Obtain “Owning a Business” materials by web-search Obtain “Owning a Business” materials by web-search Obtain “Owning a Business” materials by web-search

Find out if they have “Brick and Click” strategiesFind out if they have “Brick and Click” strategiesFind out if they have “Brick and Click” strategiesFind out if they have “Brick and Click” strategies

Visit SBA Internet site - WWW.SBA.GOVVisit SBA Internet site - WWW.SBA.GOVVisit SBA Internet site - WWW.SBA.GOVVisit SBA Internet site - WWW.SBA.GOV

Obtain information on financing availabilities for Obtain information on financing availabilities for starting a business.starting a business.

Obtain information on financing availabilities for Obtain information on financing availabilities for starting a business.starting a business.

Start your own businessStart your own businessStart your own businessStart your own businessDo Your HomeworkDo Your Homework

Search The InternetSearch The Internet

Do Your HomeworkDo Your HomeworkSearch The InternetSearch The Internet

Find out if it’s what you thought it would beFind out if it’s what you thought it would be

Learn the ideal layoutLearn the ideal layout

Learn how the business worksLearn how the business works

Learn the marketing and advertisingLearn the marketing and advertising

Learn the product technologyLearn the product technology

Learn the identity of vendors and suppliersLearn the identity of vendors and suppliers


Work for Someone in the same businessWork for Someone in the same business

Do Your HomeworkDo Your HomeworkWork for Someone in the same businessWork for Someone in the same business

Identify how your business would be Identify how your business would be similar and how you would differentiatesimilar and how you would differentiate

Work there part-time while you Work there part-time while you continue to retain your present jobcontinue to retain your present job

After working there, you may decide After working there, you may decide you don’t like ityou don’t like it

Understand the start-up costUnderstand the start-up cost


Work for Someone in the same businessWork for Someone in the same business

Do Your HomeworkDo Your HomeworkWork for Someone in the same businessWork for Someone in the same business

Do this prior to making the decision to Do this prior to making the decision to own your own businessown your own business

Read everything possible on Read everything possible on business ownershipbusiness ownership

You need as much education on You need as much education on business as possiblebusiness as possible

Running a business incorporates Running a business incorporates concept development, finance, concept development, finance, management, marketing, sales, management, marketing, sales, negotiating, legal; all important to successnegotiating, legal; all important to success

Start your own businessStart your own businessStart your own businessStart your own businessDo Your HomeworkDo Your HomeworkAttend business classesAttend business classes

Do Your HomeworkDo Your HomeworkAttend business classesAttend business classes

Break even analysisBreak even analysis Break even analysisBreak even analysis

Create the roadmapCreate the roadmap Create the roadmapCreate the roadmap

Identify your capital needs to start upIdentify your capital needs to start up Identify your capital needs to start upIdentify your capital needs to start up

Lay out your plansLay out your plans Lay out your plansLay out your plans

Bankers or investors will want to see itBankers or investors will want to see it

Why you need itWhy you need it

Create a three (3) year cash flow analysisCreate a three (3) year cash flow analysis

What is a business plan?What is a business plan?

Start your own businessStart your own businessStart your own businessStart your own businessDo Your HomeworkDo Your HomeworkCreate a Business planCreate a Business plan

Do Your HomeworkDo Your HomeworkCreate a Business planCreate a Business plan

Estimate operating costsEstimate operating costs

Determine return on investmentDetermine return on investment

Determine amount of loss to “break even”Determine amount of loss to “break even”

Estimate Labor CostEstimate Labor Cost

Estimate monthly profit or lossesEstimate monthly profit or losses

Estimate cost of goodsEstimate cost of goods

Estimate SalesEstimate Sales


Do a Three (3) Year Cash Flow AnalysisDo a Three (3) Year Cash Flow Analysis

Do Your HomeworkDo Your HomeworkDo a Three (3) Year Cash Flow AnalysisDo a Three (3) Year Cash Flow Analysis

Legal issuesLegal issues

Review leases and contractsReview leases and contracts

Trademark protectionTrademark protection

Licenses and permitsLicenses and permits

Form a corporationForm a corporation

Start your own businessStart your own businessStart your own businessStart your own businessTalk To ProfessionalsTalk To Professionals

LawyerLawyer

Talk To ProfessionalsTalk To ProfessionalsLawyerLawyer

Set up accounting systemSet up accounting system

Review monthly sales taxReview monthly sales tax

Monthly financial statementsMonthly financial statementsAnnual financial statementsAnnual financial statementsAdvise on payroll servicesAdvise on payroll services

Start your own businessStart your own businessStart your own businessStart your own businessTalk To ProfessionalsTalk To Professionals

AccountantAccountant

Talk To ProfessionalsTalk To ProfessionalsAccountantAccountant

Advise on payroll servicesAdvise on payroll servicesPayroll taxesPayroll taxesTax returnsTax returnsFinancial adviceFinancial advice

Set up bank accountsSet up bank accounts

Obtain line of creditObtain line of creditSet up credit card processSet up credit card process

Financial adviceFinancial advice


Talk To ProfessionalsTalk To ProfessionalsBankerBanker

Talk To ProfessionalsTalk To ProfessionalsBankerBanker

Expertise in the businessExpertise in the business

Assist in negotiationsAssist in negotiations

Recommend supplies, vendorsRecommend supplies, vendors

Assist in start-upAssist in start-up

Assist in overall analysisAssist in overall analysis


Talk To ProfessionalsTalk To ProfessionalsConsultantConsultant

Talk To ProfessionalsTalk To ProfessionalsConsultantConsultant

Someone who owns a business, any businessSomeone who owns a business, any business

Someone who owns a business in that fieldSomeone who owns a business in that field

An entrepreneurAn entrepreneur

Someone who owns and operates Someone who owns and operates a franchisea franchise

A business brokerA business broker


Talk To ProfessionalsTalk To ProfessionalsSomeone in BusinessSomeone in Business

Talk To ProfessionalsTalk To ProfessionalsSomeone in BusinessSomeone in Business

Start-upStart-up Working capitalWorking capital


Talk To ProfessionalsTalk To ProfessionalsTalk To ProfessionalsTalk To Professionals

Equity investorEquity investorEquity investorEquity investor

Cash, plus borrow the restCash, plus borrow the restCash, plus borrow the restCash, plus borrow the rest

Borrow all needed capitalBorrow all needed capital Borrow all needed capitalBorrow all needed capital

None, use only your own cashNone, use only your own cashNone, use only your own cashNone, use only your own cash

Determine How Much Capital Will Be NeededDetermine How Much Capital Will Be Needed

Determine How Much Capital You’ll Need to BorrowDetermine How Much Capital You’ll Need to Borrow

Vehicle LoansVehicle Loans

SBA www.SBA.govSBA www.SBA.govFamilyFamily

Equipment FinancingEquipment Financing

Real EstateReal Estate

Private LenderPrivate Lender

FriendsFriends

Bank LoanBank Loan


Talk To ProfessionalsTalk To ProfessionalsExploring Financing SourcesExploring Financing Sources

Talk To ProfessionalsTalk To ProfessionalsExploring Financing SourcesExploring Financing Sources

Co-investorCo-investor

Compliments your skillsCompliments your skills

More motivated than employeeMore motivated than employee

Assumes part of riskAssumes part of risk

Shares workload and hoursShares workload and hours

Splits responsibilitiesSplits responsibilities


Talk To ProfessionalsTalk To ProfessionalsDetermine IF You Want or Need An Investor or Determine IF You Want or Need An Investor or

PartnerPartner


PartnerPartner

Someone you have to answer toSomeone you have to answer to

Financial and personal goals often Financial and personal goals often differdiffer

One often works harderOne often works harder

Partners often disagreePartners often disagree



PartnerPartner


PartnerPartner


Talk To ProfessionalsTalk To ProfessionalsTalk To ProfessionalsTalk To Professionals

Check Check www.uspto.gov www.uspto.gov to determine that to determine that name is not already name is not already federally registeredfederally registered

Select a name that you like that is descriptive but Select a name that you like that is descriptive but not limitingnot limiting

Start your own businessStart your own businessStart your own businessStart your own businessSetting Up Your Own BusinessSetting Up Your Own Business

Name ProtectionName Protection

Setting Up Your Own BusinessSetting Up Your Own BusinessName ProtectionName Protection

Check with your state to determine that name Check with your state to determine that name is not already registered in your state.is not already registered in your state.

Retain a patent trademark or Retain a patent trademark or Intellectual Property lawyerIntellectual Property lawyer New Company NameNew Company Name

Signature


Name ProtectionName Protection

Setting Up Your Own BusinessSetting Up Your Own BusinessName ProtectionName Protection

Obtain an Employer Obtain an Employer Identification Number (EIN)Identification Number (EIN)

You will need this to obtain vendorsYou will need this to obtain vendors

You will need this if you have employeesYou will need this if you have employees

You will need this for just about anything!You will need this for just about anything!


Tax ID NumberTax ID Number

Setting Up Your Own BusinessSetting Up Your Own BusinessTax ID NumberTax ID Number

StateState

FederalFederal

LocalLocal

MunicipalMunicipal ProfessionalProfessional SpecialSpecial


Permits and LicensesPermits and Licenses

Setting Up Your Own BusinessSetting Up Your Own BusinessPermits and LicensesPermits and Licenses

Public liabilityPublic liability

VehicleVehicle

InventoryInventory

Health and MedicalHealth and Medical

Errors and OmissionsErrors and Omissions

Building and ContentsBuilding and Contents

Comprehensive fire and theftComprehensive fire and theft

Worker’s CompensationWorker’s Compensation

InsuranceInsuranceInsuranceInsurance

Start your own businessStart your own businessStart your own businessStart your own businessSetting Up Your Own BusinessSetting Up Your Own BusinessSetting Up Your Own BusinessSetting Up Your Own Business

Location, location, locationLocation, location, location

DemographicsDemographics

Lease or buyLease or buy

Home-basedHome-based

ZoningZoning

Parking and accessibilityParking and accessibility


LocationLocation

Setting Up Your Own BusinessSetting Up Your Own BusinessLocationLocation

Do detailed layoutDo detailed layout

Analyze applicabilityAnalyze applicability

Analyze interim traffic patternsAnalyze interim traffic patterns

Solicit bidsSolicit bids

Access available utilitiesAccess available utilities

Draw schematicDraw schematic

Acquire necessary permitsAcquire necessary permits


Leasehold ImprovementsLeasehold Improvements

Setting Up Your Own BusinessSetting Up Your Own BusinessLeasehold ImprovementsLeasehold Improvements

Select an accountantSelect an accountant

Set up accounting systemSet up accounting system

Receive and review monthly Receive and review monthly statementsstatements

Keep all records up-to-dateKeep all records up-to-date

Meet with accountant regularlyMeet with accountant regularly Store all recordsStore all records


AccountingAccounting

Setting Up Your Own BusinessSetting Up Your Own BusinessAccountingAccounting

Select a lawyerSelect a lawyer

Define legal issuesDefine legal issues

Utilize lawyers in negotiationsUtilize lawyers in negotiations

Discuss your proposed businessDiscuss your proposed business

Don’t sign anything without your lawyerDon’t sign anything without your lawyer


LegalLegal

Setting Up Your Own BusinessSetting Up Your Own BusinessLegalLegal

Identify needs Identify needs

Install expandable equipmentInstall expandable equipment

Shop around, systems, priceShop around, systems, price

Internet sales consultantsInternet sales consultants

Setting Up Your Own BusinessSetting Up Your Own BusinessComputers / Phones / FaxesComputers / Phones / Faxes



Network and connect all Network and connect all communications equipmentcommunications equipment

Internet capabilityInternet capability

Analyze applicabilityAnalyze applicability

Develop websiteDevelop website

E-commerceE-commerce

Internet service providerInternet service provider

On-line marketingOn-line marketing




Negotiate ratesNegotiate rates

Arrange for online creditArrange for online credit card processingcard processing

Establish credit cardEstablish credit card company relationshipscompany relationships

Setting Up Your Own BusinessSetting Up Your Own BusinessCredit Card ProcessingCredit Card Processing

Setting Up Your Own BusinessSetting Up Your Own BusinessCredit Card ProcessingCredit Card Processing


Establish goalsEstablish goals

Develop budgetDevelop budget

Establish products,Establish products, services and pricingservices and pricing Develop collateral Develop collateral

materialsmaterials

Setting Up Your Own BusinessSetting Up Your Own BusinessAdvertising and MarketingAdvertising and Marketing

Setting Up Your Own BusinessSetting Up Your Own BusinessAdvertising and MarketingAdvertising and Marketing


You are the trainerYou are the trainer

Train, train, trainTrain, train, train

Set and maintain highSet and maintain high performance standardsperformance standards

Minimal staffingMinimal staffing


Setting Up Your Own BusinessSetting Up Your Own BusinessHire and Train StaffHire and Train Staff

Setting Up Your Own BusinessSetting Up Your Own BusinessHire and Train StaffHire and Train Staff

22ndnd Option Option22ndnd Option Option

Getting the detailsGetting the details

Hands on experienceHands on experience

Buying an Existing BusinessBuying an Existing BusinessBuying an Existing BusinessBuying an Existing Business

Buying an existing businessBuying an existing businessBuying an existing businessBuying an existing business

Get the detailsGet the detailsGet the detailsGet the detailsGet audited financials for Get audited financials for last three (3) yearslast three (3) years

Get audited financials for Get audited financials for last three (3) yearslast three (3) years

Review bank recordsReview bank recordsReview bank recordsReview bank records

Reconcile invoices with Reconcile invoices with salessales

Reconcile invoices with Reconcile invoices with salessalesDo search for litigationDo search for litigationDo search for litigationDo search for litigation

Non-compete Agreement..Non-compete Agreement..

Talk to employees…Talk to employees…

Review lease……Review lease……

Verify what you are getting....Verify what you are getting....

Get seller to finance….Get seller to finance….


Get the detailsGet the detailsGet the detailsGet the details

Is the price worth it?Is the price worth it?

Is the business nameIs the business name


Get the detailsGet the details Get the detailsGet the details

Do a three (3) year cashDo a three (3) year cash

www.ispto.gov

Yes or No:

flow with debt servicesflow with debt services

protected?protected?

Talk to customersTalk to customers

Training by sellerTraining by seller

Work there firstWork there first

Can you do it?Can you do it?

Would you be better Would you be better off starting your own?off starting your own?


Hands on experienceHands on experienceHands on experienceHands on experience

33rdrd Option Option33rdrd Option Option

Buy a FranchiseBuy a FranchiseBuy a FranchiseBuy a Franchise

What are the first steps after buying What are the first steps after buying a franchise? a franchise?

Top 10 Reasons for buying a FranchiseTop 10 Reasons for buying a Franchise

Frequently Asked QuestionsFrequently Asked Questions

Franchise Financing SourcesFranchise Financing Sources

Advantages from A to ZAdvantages from A to Z

Step 1

Step 2

Step 3

Buy a Franchise BusinessBuy a Franchise BusinessBuy a Franchise BusinessBuy a Franchise Business

Top reasons for buying a franchiseTop reasons for buying a franchiseTop reasons for buying a franchiseTop reasons for buying a franchise

Training ProgramsTraining Programs

Ongoing Operational Ongoing Operational SupportSupport

Marketing AssistanceMarketing Assistance

Strong BrandStrong Brand

Track Record of SuccessTrack Record of Success

Real Estate AssistanceReal Estate Assistance

Construction AssistanceConstruction Assistance

Purchasing PowerPurchasing Power

Risk AvoidanceRisk Avoidance

Buy a Franchise BusinessBuy a Franchise BusinessBuy a Franchise BusinessBuy a Franchise Business

Top reasons for buying a franchiseTop reasons for buying a franchiseTop reasons for buying a franchiseTop reasons for buying a franchise

How long will it take my new franchise to How long will it take my new franchise to reach break even? reach break even?

How long will it take my new franchise to How long will it take my new franchise to reach break even? reach break even?

How much of my total investment (including How much of my total investment (including capital reserves) do I need to have in cash?capital reserves) do I need to have in cash?

How much of my total investment (including How much of my total investment (including capital reserves) do I need to have in cash?capital reserves) do I need to have in cash?

What are the ranges in financial performance of What are the ranges in financial performance of the existing franchisees?the existing franchisees?

What are the ranges in financial performance of What are the ranges in financial performance of the existing franchisees?the existing franchisees?

How much is needed in operating capital How much is needed in operating capital reserves to cover loses after opening the reserves to cover loses after opening the franchise until the break even point? franchise until the break even point?

How much is needed in operating capital How much is needed in operating capital reserves to cover loses after opening the reserves to cover loses after opening the franchise until the break even point? franchise until the break even point?

Buy a Franchise BusinessBuy a Franchise BusinessBuy a Franchise BusinessBuy a Franchise BusinessFrequently Asked QuestionsFrequently Asked QuestionsFrequently Asked QuestionsFrequently Asked Questions

How financially strong is the franchise How financially strong is the franchise companycompany

How financially strong is the franchise How financially strong is the franchise companycompany

What standard and alternative financing What standard and alternative financing options exist for me?options exist for me?

What standard and alternative financing What standard and alternative financing options exist for me?options exist for me?

How much total investment will this franchise How much total investment will this franchise require? require?

How much total investment will this franchise How much total investment will this franchise require? require?

How much money can I make in this franchise?How much money can I make in this franchise? How much money can I make in this franchise?How much money can I make in this franchise?

Buy a Franchise BusinessBuy a Franchise BusinessBuy a Franchise BusinessBuy a Franchise BusinessFrequently Asked QuestionsFrequently Asked QuestionsFrequently Asked QuestionsFrequently Asked Questions

a.a. Proven system of operationProven system of operation

b.b. Brand identityBrand identity

c.c. TrainingTraining

d.d. Assistance in obtaining locationAssistance in obtaining location

e.e. Advertising – national and localAdvertising – national and local

f.f. Own bossOwn boss

g.g. Turnkey businessTurnkey business

AdvantagesAdvantagesAdvantagesAdvantages


h.h. Collective buying powerCollective buying power

i.i. Operating manualOperating manual

j.j. Planning and forecasting assistancePlanning and forecasting assistance

k.k. Better prices on equipmentBetter prices on equipment

m.m. Resale abilityResale ability

n.n. Financial and accounting systemsFinancial and accounting systems



l.l. Better prices on inventoryBetter prices on inventory

p.p. New ideasNew ideas

q.q. New productsNew products

r.r. Sources of productsSources of products

s.s. Complete business systemComplete business system

t.t. FinancingFinancing

u.u. Lower riskLower risk



o.o. Ongoing support and consultingOngoing support and consulting

w.w. Sales and marketing techniquesSales and marketing techniques

x.x. Start the business with less capitalStart the business with less capital

y.y. No previous experience necessaryNo previous experience necessary

z.z. We don’t succeed unless you doWe don’t succeed unless you do



v.v. Assistance in site selectionAssistance in site selection

Franchise Funding Specialists

Veteran Programs

Investors

401k

Cash is King

Franchise Financing SourcesFranchise Financing SourcesFranchise Financing SourcesFranchise Financing Sources

Next Franchisee exit...

Funding


Step 1

Step 2

Step 3What are the first steps after What are the first steps after buying a franchise?buying a franchise?

What are the first steps after What are the first steps after buying a franchise?buying a franchise?

To Do:To Do:To Do:To Do:

Secure the locationSecure the locationSecure the locationSecure the location

Sell, Sell, Sell!Sell, Sell, Sell!Sell, Sell, Sell!Sell, Sell, Sell!

TrainingTraining TrainingTraining


MarketingMarketing MarketingMarketing

FINALLY …FINALLY …FINALLY …FINALLY …Do I Have What It Takes?Do I Have What It Takes?Do I Have What It Takes?Do I Have What It Takes?

Am I comfortable with the risk?Am I comfortable with the risk?

Do I have sufficient capital?Do I have sufficient capital?

Can I sell?Can I sell?

Do I need a partner?Do I need a partner?

Do I have the ability to manage?Do I have the ability to manage?

Is my family behind me?Is my family behind me?

Do I have the necessary skills?Do I have the necessary skills?

Can I work well independently?Can I work well independently?

Thank you for your timeThank you for your time

www.on-target.com

(800) 720-0131

For more information about our company, please visit our website @

Or call us at