Partners for Self-Employment, Inc.Partners for Self-Employment, Inc.

Founded 1993

Partners for Self-Employment, Inc.Partners for Self-Employment, Inc.

Toll Free: 1-877-722-4505 305.438.1407

The missing piece of the Puzzle

for small businesses.

If you have a skill, talent or experience to start or expand a business…Contact Us!!!

Loans Business Skills Training Networking Support

www.microbusinessusa.org

ProvidingMicrocredit Business LoansProvidingMicrocredit Business Loans

(Level 1)MICRO-

BUSINESS USABusiness Loans

from $500 - $1,500With business

training without credit or collateral

Peer Group Model

(Level 2)MICRO-

BUSINESS USABusiness Loans

from $2,500 - $5,000

With business training without

credit or collateral

Peer Group Model

(Level 3)PARTNER

LOAN PROGRAM

Business Loans from

$5,000 - $35,000credit and collateral required

Individual Loans

Providing the missing piece of the puzzle for small businessesProviding the missing piece of the puzzle for small businesses

PARTNERS FOR SELF-EMPLOYMENT, Inc. d.b.a. MICRO-BUSINESS, USA is a non-profit community development financial institution providing microenterprise loans, training, technical assistance and on-going support to low and moderate income individuals to start or expand a business.

Mission Statement

Providing the missing piece of the puzzle for small businessesProviding the missing piece of the puzzle for small businesses

To provide business skills training and loans to low-moderate income persons who desire to become self-employed, and to provide levels of advanced business training and loan s for those clients who want to increase their capacity to operate successful businesses.

Beginning 2003, Micro-Business, USA borrowers will have the opportunity to participate in our Matched Savings Fund (MSF). The MSF will provide a 2:1 match for each dollar saved by participants for the duration of two years. The money they accumulate can be used for home ownership or business investment.

Purpose

Key PlayersKey PlayersLoan PoolBanks - Federal and Local Government Agencies - Private InvestorsBankUnited First National Bank of South MiamiChase Manhattan Bank First National Bank of HomesteadCitibank Bank UnitedCity National Bank of Florida CommercebankMellon United Nation Bank Citigroup FoundationSunTrust Bank American Express Foundation

Operational SupportFoundations - Federal and Local Government Agencies - Private ContributionsCharles Stewart Mott Foundation SBA U.S. Small Business Administration John S. & James L. Knight Foundation US Treasury Department-CDFI John D. & Catherine T. MacArthur Found. Alex & Agnes O. McIntosh FoundationNorman Shulevitz Foundation Miami-Dade Office of Community &Roblee Foundation Economic DevelopmentWallack Family Foundation Bank Atlantic FoundationCity of Miami Economic Development City of St. Petersburg Economic Development

DemographicsDemographics

Background Percent

Caucasian 25%

Black 50%

Hispanic 23%

Other 2%

Gender Percent

Male 44%

Female 56%

Education Percent

Less Than

High School

8%

High School 18%

Some College 47%

College 27%

Miami-Dade/Broward/Palm Beach/Pinellas Counties

LOANS to Jump Start Your Business Without Credit or Collateral

$500 - $1,500Benefits of MB-USA Business Training Networking Build Credit History Business Card

Exchange

Level 1 Leadership

Development Peer Group Support Trade Shows Seminars

12% Simple Interest on Declining Balance

6-12 Participants in peer group 2 hour initial orientation Peer group meets 2 hrs/week – 6 weeks Peer group is loan committee (makes all loan decision for members) First loan $500 then $1,500 No larger loans unless each member current in

monthly payments Loan terms 4-12 months 10 % buffer for each loan Attend bi-monthly business enrichment

sessions with loan repayment meetings

MB-USA Peer Group Level - I

Performance StatisticsPerformance Statistics

Peer Lending (Level I) – December 2002

63 983 4,609

5 67 327

51 458 2,005

$43,000 $296,000 $1,302,100

$800 12% 6 months

93% 94% 94%

Indicators

# Members Trained

Month YTD Cumulative

# of Chartered BLG’s(business loan groups)

# of Loans Dispersed

Value of Loans Dispersed

Average Loan Size

Current Repayment Rate

Examples of Loan UseExamples of Loan Use

What Can You Do with a $500 Loan? Buy a fax machine/answering machine Business cards and stationary License Advertise Add phone lines Create a website Purchase materials and supplies Brochures, flyers and handouts

Business Start-UpsBusiness Start-Ups

Beauty and Hair Care Auto Repairs Car Detailing Secretarial Services Accounting and Taxes Auditing Travel Agency Janitorial and Maid Services Fashion Design Gift Baskets Lawn Service Photography

Child Care Internet Marketing Graphic Design Skin Care Products Used Bookstore Video Productions Escort and Dating Services Event Planning and Production Take-out and Catering Telecommunications Service Home and Property Inspection

Click www.microbusinessusa.com for complete listing of businesses

Miami-Dade/Broward/Palm Beach/Pinellas Counties

LOANS to Jump Start Your Business Without Credit or Collateral

$2,000 - $5,000Benefits of MB-USA Business Training to

Build your business Build Credit History Business Card

Exchange

Level 2 Leadership

Development Peer Group Support Trade Shows Seminars

12% Simple Interest on Declining Balance

6-12 Participants in peer group Advanced Business Skills Training Established business make marketing &

business plans based on profitability analysis Peer group meets 2 hrs/week – 8 weeks Peer group is loan committee (makes all loan decisions for members) Loans are $2,000 up to $5,000 Loan terms 4-24 months 10 % buffer for each loan MUST attend bi-monthly business enrichment

sessions with loan repayment meetings

MB-USA Peer Group Level Two

Performance StatisticsPerformance Statistics

Peer Lending (Level II) – December 2002

3 44 97

2 5 9

8 20 28

$19,500 $40,000 $62,500

$2000 12% 12 months

96% 96% 96%

Indicators

# Members Trained

Month YTD Cumulative

# of Chartered BLG’s(business loan groups)

# of Loans Dispersed

Value of Loans Dispersed

Average Loan Size

Current Repayment Rate

Miami-Dade/Broward/Palm Beach/Pinellas

Counties

Miami-Dade/Broward/Palm Beach/Pinellas

Counties

Take the Puzzle out of Starting or Expanding a Small Business

Direct Individual LOANS (Level III) requires credit

and collateral$5,000 - $35,000

Visit us @: www.microbusinessusa.orgCall Toll Free: 1-877-722-4505 Phone: 305.438.1407

PARTNER LOAN PROGRAM

PARTNER LOAN PROGRAM - III

PARTNER LOAN PROGRAM - III

You will need: Business must be at least 2 year old Personal Financial Statement Business Financial Statement Current Bank Statement Occupational License Credit Report (obtained by Partners) Tax Return (one year) Business Profile (Partners form) Cash Flow Statement (Partners form) Projected Income and Expense Statement (Partners form) Collateral in the form of accounts receivable, business assets,

real estate or vehicle with no liens. $100 loan administration fee 12% interest – Loan terms 12 – 36 months

Direct Individual loans from $5,000 - $35,000

Performance StatisticsPARTNER LOAN PROGRAMPerformance StatisticsPARTNER LOAN PROGRAM

Direct Individual Loans – December 2002

1 2 81

$22,000 $24,000 1,022,000

$22,000 12,000 $12,600

24 months

12%

85% 85% 84%

Indicators

# of Loans Dispersed

Month YTD Cumulative

Value of Loans Dispersed

Average Loan Size

Loan Term

Interest Rate

Current Repayment Rate

Partners for Self-Employment, Inc. Partners for Self-

Employment, Inc.

Corporate Offices:3000 Biscayne BoulevardSuite 102Miami, Florida 33137

Tel: (305) 438-1407Fax: (305) 438-1411Email: success@microbusinessusa.orgToll Free: 1-877-722-4505

www.microbusinessusa.org

Miami/DadeMiami

3000 Biscayne Blvd., Ste. 102A

1-877-722-4505 North Miami

163 Street Shopping Center Second Floor1421 NE 163 Street

1-877-722-4505

Cutler RidgeCutler Ridge Mall

First Floor20505 South Dixie Hwy.

1-877-722-4505

BrowardNorth Broward5460 N. State

Road 7 Ste. 212-213

Ft. Lauderdale1-877-722-4505

Ft. LauderdaleBroward Main

LibraryFifth Floor

100 S. Andrews1-877-722-4505

Pinellas

St. PetersburgSBDC

1045 16th Street South

1-877-722-4505

Free Information MeetingsMonday, Tuesday or Wednesday

6:30 P.M.

Contact Us!!!www.microbusinessusa.org

Phone: 305.438.1407Toll Free: 1-877-722-

4505

Partners for Self-Employment, Inc.