businesses understand how to get started in business, how to develop business plans, how to be able to put yourself in a position of planning for your business as much as running your business. a big part of what we do is the technical assistance and counseling work we do for folks interested in starting a business or those in the early stages who really need advice about where to go when you run into the wall, about financing, marketing, managing your business. that is an important role we play as well. another role we play is helping small businesses understand how to do contract thing, particularly with the federal government, but in a more general way, with all the public sector players. one of the things that small businesses always need is customers. one of the big customers out there is the public sector, but one of the challenges is the public sector on every level, federal, state, and local, are always difficult for small businesses to understand how to navigate the process of getting certified to do business, finding the right sources to be able to talk to and understand h

making official the california green business network as the official businesses of california. >> we connect all of the businesses to city resources and we work with the sectors in the recognition program. and the program is the one-stop shop for businesses in san francisco and so we feel instead of calling the ten different numbers for the service and resource and audits you can come to our program and you are able to educate you about what the business can take advantage of in the city. >> and so, in san francisco, across the city, we have 194 recognized green businesses, and they range from small to medium size in a variety of sectors such as the office retail sectors and restaurants and hotels and more, being green makes a big impact here in the city, economically and environmentally. and so, over the course of one year, our greens and businesses have reduced over 36 million pounds of co2 and diverted 1.6 pounds of waste by composting and waters through the greening measures that we asked them for undertake because that makes sense by using less water and less energy you will sav

let's help your small business grow coming up next on "your business." >>> small businesses are revitalizing the economy. and american express open is here to help. that's why we are proud to present "your business" on msnbc. >>> hi there, everyone. i'm j.j. ramberg and welcome to "your business," the show dedicated to giving you tips, advice and a dose of inspiration to help your business grow. i found out about malaney when i was doing research for another story online. she seemed like a fascinating woman and her company seemed to be doing well. so i called her to find out the secret to her growth. turns out, the secret was simply taking time to focus on it. ♪ >> by many accounts, four years after she started her custom carpet design company, she was very successful. >> these are malaney b. custom. >> she designed carpets inspired by her travels around the world and had them handmade in nepal, india, china, and mexico. soon after launching, she landed her first clients. she gave her one of her early jobs. >> i was actually looking for brooklyn designers and i happened to come across her on

the business the whole business did the business get sold? the business has changed hands >> the business has changed hands and the business is food and beverage correct? to the business when i changed hands a real estate transaction also bought the liquor license? >> no. >> so have you hired margaret sanchez as the caterer alcohol in our premises. >> come on up margaret. >> we applied for a permit as a lesee and i'm the one who services the drinks i have to be there for all the events so i'm also there serving the drinks. the second thing there are not two violations. we serve margaritas. everybody on say pictures was completely legal so no problem with that. and there's no problem with the margaritas >> so it's the premix and a yes. the health department came and said there were an emergency but they couldn't find anything. there was no reason why they had to rush over. they renewed the permit so she didn't have it because she didn't get it in the mail yet so those accusations are not true and she told his to close the business down so they

business, talk to them as you are growing your business. when the economy is strong, all lenders are shopping for transactions. in times are tough on credit, you want to rely on those deeper liberation ships with your lender. you want to develop a relationship with a lender. it is the case where you want to open up an account, while to have another bank services that you want to have a relationship with your lender with it because when you go to them for any loan requests, you want them to know about your business and feel like they are a partner of yours, not just that you are shopping them. if you are shopping, you are just looking for the best deal from them, rather than a long- term relationship. >> i want to thank everyone for coming. hopefully, you have all signed up for our updates. we are going to be hosting these on a regular basis. the next two coming up will focus on becoming a government contractor, how your small business can partner with the government. the next one will also be on how to grain your business, with tax -- green

business. credit unions offer micro loans. we do a lot of micro loans up to $50,000. this is -- we check credit. we need a business plan. then we look at the three-year tax return and that statement. we do a lot of home care and mom-and-pop shops. we also do start ups. we asked for approval through documents. we work a lot with people who do not know how to file taxes properly. we are mainly focused in san francisco. we are small. we focus mainly on the tenderloin, chinatown, bayview, visitation. we do a lot of expansion. people start small through the credit union and then want to go to the bank. we know we are limited. we cannot afford to give out a big loan. starting from the credit union, we educate them about filing taxes properly and then moving on to the bank, a small one, expansion, and we work with the bank. the bank and credit union are similar. we do allow tax returns, projections. credit unions do not charge an additional loan or processing fee. processing time, on a small loan, --

businesses should be allows. if we allow that to happen, businesses large and smalll be able to succeed. >> next speaker. >> my name is michael cats and i starts cat bagels 20 years ago, my business is located across the street from the potential sight for jack spade. i'm against having jack spade coming into my neighborhood. the main serene i feel like the sentiment is we have a lot of problems and i don't believe jack spade is going to fix these problems. the problems we have in the neighborhood are almost all after midnight. the graffiti and the dirt we see everywhere. i think we as a community are on a dangerous situation when we look for multinational corporations which is how i perceive them. i think we are in a dangerous position to look for them. if we want to clean our store or store front we need to look at ourselves and look at our neighbors to fix the problem that way. this is potentially the other problem i have is that any other business can get a little subbusiness and have the structural support.

popcorn does more business. it has more profits. but you're in the crepe business?> you're correct. >> look, the bulk of the earnings are coming from the popcorn business, but she continues to be distracted with funnel cakes and crepes. if she just focuses on the popcorn business and nothing else, she will make money immediately. >> this is thy kitchen. this is where we make popcorn. >> when you have a cash business, you better have tight inventory controls. in this kitchen, i see inventory everywhere, bags of popcorn with no codes on them, no tracking mechanism so i know what we have and what we don't have. see, they look at it as popcorn, but i look at it as bags of money. >> my mother works here, sharry. >> hi, sharry. i'm marcus. >> i'm so happy to meet you. >> nice to meet you. how much money has she borrowed from you? >> oh, i took a-- >> she took a second out on her house, and the total was about 100,000. >> well, i don't know. i owed 125,000 on my home, and now i owe 250-something. >> so that's more than 100. >> and then she owes me 10,000 from my personal a

so far, this business has done $13,000 today. that's almost a 30% increase in business.the progress. and there's a clear standout. marina's doing a great job. >> and i think it's terrific. >> you do? >> i do. it's bright. >> right. >> it's cheerful. >> she's really taking this leadership role seriously. she's interacting with customers. >> thanks for coming in. >> you're welcome. >> take care. >> she's doing all the things that, quite frankly, hank should be doing. have you seen hank? >> i saw hank not too long ago. >> a successful business owner subscribes to one theory. they show up first, and they leave last. do you know where hank is? >> i don't know. i don't know if he's gone home or what. >> i cannot believe he left. not only is it disrespectful to the employees, it's disrespectful to all the customers who are coming here today. he really left? like, he's gone? >> as far as i know. >> he literally disappeared. i'm pissed. oh, hey, hank. where'd you go, buddy? we have a grand opening. hank, i don't understand why you left. this is [bleep] ridiculous. you need to [bl

business. the third c is capital itself. basically, how much of yourself had the-- how much capital haveu invested? if you are a startup, and generally, 30%. if you are an expansion, you are looking to expand your restaurant, that is generally around 20. the fourth c is capacity. capacity is pretty important. that is the ability to repay your loan. if we are going to be looking at a debt service, we look at a percentage of 1.25. for start-ups, we like to see startups near 1.25, generally closer to 1.5. the fifth c is collateral. i will put it to you this way. on a startup, we like to say 25% to 30% in the form of cash or real estate that has fungible equity in it. a purchase of real estate will count as collateral. pretty much, at wells fargo, we have this process streamlined. i am the front end. after i review the alone, i put it together, put it into underwriting. they will review the file and see if there is a loan file. then you have the of loan) who works with you through the end. so the a

we are not only the largest small business week, we are the only small business week that really engages the small businesses and activities through mix you ares and through workshops and educational opportunities. for most, communities have a luncheon with a few awards and with the chamber and sba or a couple of groups in a hotel ballroom and so we really through our committee, at which i would like to acknowledge president adams as the co-chair and and really working to keep those engaged and to participate. >> and we in our surveys education, is still more valuable than networking. and we found again, we have a lot of the small business owners who come year after year but also a lot of new ones, there is a lot of people out there still looking for resources. over all, for the events that we are able to count, there is a lot of events that happen on the periphery of the san francisco small business week that we are not able to track, and we had 3600, attendees and flavors of san francisco, and 76 of the board of supervisors and awarding in the ceremony and 1600 of the small business co

. >> yeah, but she sold the business. this is - here's my problem mashth. the last time you came you had a permit but i have issues with people who fudge is system i don't fudge the system because i know the permits are my bread and butter so when someone else does that i have an issue. i would go with a continuance because i think it's unclear to me. i'm not sure on a 41 if you can just - you've solid the business you no longer have the right to operate in that space i may be wrong but according to what we - >> the plan would be kind of like you know a bar has a restaurant we would have the events and collaborate with them. >> she sold the business and a right they have the kitchen. >> so i'm not clear and until we get clarity on that i mean, i would be happy to grant them f the permit if they sold food and soft drinks but if there's going to be alcohol on the premises i would favor a tennis going forward based on this testimony. >> i think i'd like to is that a motion? >> can i add something. >> sure. >> that's describe

welcome to "your business." today is a very exciting show here at "your business" because it marks the eighth anniversary. we're kicking off our new season by devoting the entire show today to a topic we get so many questions on. funding for your small business. that's why we're going to introduce you to the founders of a company that needed some cash. rather than asking for as much money as possible, these entrepreneurs thought long and hard about the best way to grow their business. ♪ every girl crazy about a sharp dressed man ♪ >> you need to be very clear about what you're going to do with the money. it's important to know yourself, what your needs are. >> they know a thing or two about looking for investors. >> some of the hardest decisions were should we go with this investor or this other investor and who is going to make the better partner for us in the long run? >> ultimately, what are the goals for the funding? >> as they discovered, raising capital for their online business can be a full-time job. >>

which is good for business.less fuel, spend less time on the ground and more time in the air. suddenly, faraway places don't seem so...far away. ♪ j.d. power and associates has ranked quicken loans highest in the nation in customer satisfaction... i say "family," because we've been blessed with this honor for 3 years in a row... rest assured we'll treat all of your mortgage needs with tender loving care. amazing client satisfaction: it's a quicken loans family value. call 800-quicken or go to quickenloans.com to experience it for yourself. >> turn the car around, get your ass back here, and be a leader right now. hank has turned out to be a real disappointment. not only walking away from his re-grand opening, but his unwillingness to make the changes necessary. he's pushed me on everything. he doesn't want to get rid of old-age inventory. he doesn't want to take cash to the flower mart. he doesn't want to raise prices. i need to make sure there's a leader in place. and that leader, for me, is marina. i will tell

businesses together. a way to take care of the people in my community. i think that the most important thing is to feed people. and i found it community in hayes valley i reached out to russel regarding the location before putting down a lease because i wanted to become a part of the community that my business and i could glossogrow with. i choose to open there and. i think that the amended ordinance at hand goes to the heart of what we're talking about with the formula retail ban. the desire to preserve in san francisco a space for individual sole proprietorships. i can food my rent but it's not possible if i parking meter with a number of much more infinitely popular organizations. in addition maintaining and that is important you have a lot of neighborhood locals that hang out and one of the things i've heard as resident of the community we need the services that can be provided should be provided at a southern price point. we need a laundromat and those are not largest organizations that can parking m

when we talk about the currently closed businesses on lombard, we always forget that these businesses used to be open and these businesses were operating at one point or another and now they are closed and we don't want to forget that the current businesses on lombard street are struggling. i've spoke with many of them, 45 of them are our members, they're all struggling and they are in need for something like that to happen, they need change on lombard. this is the right thing for change on lombard street. thank you. >> hello, my name is natalie rodgers and i'm a proud owner of a two year-old husky rescue, i shop at animal connection and other small store, not because of the convenience of the location, but also for the customer service aspect of it. when i walk in that sto, they not only know my name but they know the name of my dog and that means something to me not anl as a consumer but as a member of the community. at that moment, i know that that's my local neighborhood pet store. i choose not to shop at big box stores and i choose to support local small businesses so i encourage

this business is a total mess. i judge businesses based on three things: it's pretty damn good. most often, businesses fail because of people. >> i trusted people to manage. >> that's not fair-- >> what are you talking about? >> don't you even go there. >> i'm not going anywhere. >> you're strangling things. >> back up. >> i'm there to lead, but if they don't follow, this business doesn't make it. you're a thief and a liar and a cheater. >> you didn't do what you promised. >> get out of my face. all i hear is a bunch of noise. >> [crying] i don't want to lose my company. >> i'll make the tough decisions they won't. you're being demoted. anything to turn these unsuccessful businesses around. >> what the [bleep] is your problem? >> that people don't [bleep] want to do it anymore. >> are you challenging me? >> you're making me look like a stupid liar, and i'm not. >> how am i supposed to trust you? and if they can't cut it... i gave you very simple instructions, and you failed. the deal's off. >> this is my [bleep] town. >> you wanna lose the deal with me? they need to go, today. i

>> is a way of thinking about business. we have this sort of narrow narrative and definition about what business is all about. is it about maximum profits and how it works for shareholders? this is about thinking of business in a much more realistic and richer way. successful businesses are based on a platform of higher purpose, something that they are trying to do in the world that that is worth doing. trying to achieve value in a certain way, which is meaningful to people. not only to customers and employees, but suppliers at large. we talk about how to shape them as an end and you actually discuss how business rallies employees in their lives. with meaning and purpose, focusing on customers and improving the quality of their lives. it is creating values were supplied in the community and for the environment. trying to create value for all stakeholders and doing it in a way that does not require trade-offs. you think about it in the traditional way, these businesses are conscious leaders they are formed by the purpose and

businesses, it's hard enough as it is on chest nut street to run a business, there's a lot to keep up with a business there and it's -- they're wonderful stores and whatever i can't get there, i will go somewhere else and it's like a big box store, if they have something there, i will go to it, and it is accessible. i do fear for the change in our neighborhood that it's a destination that people from all over the world and the city in itself come to for the diversity and we hope to have it for many years to come. thank you. >> hello, commissioners, my name is christine hom, i'm a san franciscan native and have lived here all my life, my father grew up in the marina and he attended galileo high school in the 60's and 70's where he worked as a newspaper boy in the marina district, he shared stories about all the mom and pop stores in the neighborhood when i was young and her the marina has exchanged a lot over the past few decades but the one thing that hasn't changed is its tradition of small businesses, please preserve my city's history, sbekt and commitment to independent stores and

with my business. more importantly, how often would i need to go onto facebook and speak to my customer base to be effective. >> that's a great question. i think it's critical. i think facebook, linkedin, twitter, it's an important to connect with your fan base, customer, and it's all about content. if you go on and promoting your products and yourself, you'll turn people off. if you provide them content, give them information, things they can use in their lives to mick their lives better, you win people over. >> what do you do with your time? are you on your facebook page yourself? do you have a personal facebook page and a corporate one? >> i have a personal facebook page and i have a twitter account. i do a lot more tweeting than i do facebooking. for me it's great. we promote our shows and able to connect with the people who are our customers. if goes a long way. people will tweet me for reservations at my restaurant. i'll get them in if they can't get a reservation. that goes a long way di-- >> yo

business grow. today's story is for anyone who has had an amazing idea for a product but has no idea how to bring it to market. locker looks helps us out, taking us step by step along their path and explained how they turned a clever creation made of construction paper and scotch tape into a multimillion dollar business. turning an idea into a marketable profit can seem as simple as a spin of a when will on a child's board game. joanne brewer and christy sterling didn't even seem like players. >> this was the first time we ever did this. it was just a completely new adventure for us. it was just out of our own experience with our daughter. >> they were going into sixth grade and wanted to decorate their locker and there wasn't a lot of cute stuff out there. and so christy went to work and came up with some concepts and here we are. >> it was things i clued together in my kitchen at the table. this was an example of a little bin that was basically just cardboard paper that i grewed together. >> their

find out next on a special funding edition of "your business." >>> small businesses are revitalizing the economy and american express open is here to help. that's why we're proud to present "your business" on msnbc. >>> hi there, everyone. i'm j.j. ramberg, and welcome to "your business." this is a very exciting show for all of us here at "your business" because today marks the start of our eighth season. i want to take a moment to thank all of you for allowing us to be a part of your lives and your businesses. we're kicking off our new season by devoting the entire show today to a topic we get so many questions on. funding for your small business. and that's why we're going to introduce you to the founders of a company that needed some cash. rather than asking for as much money as possible, these entrepreneurs thought long and hard about the best way to grow their business. ♪ >> when you raise money, you need to be very clear about what you're going to do with the money. it's important to know yourself, what your needs are. >> they know a thing or two about looking for investors. >>

and maintain our businesses. we love our stores and the people and cats that we serve, please deny the permit to pet food express. thank you. >> thank you. >> as the next speaker comes up, i'll call more names. (calling speaker names). >> my name is lisa erikson and i've lived in the neighborhood for 29 years and i wanted to speak up in favor of the character of the community and the neighborhood and oppose the project. i think the character of our neighborhood enhances all the neighborhoods and the city itself and i also do note for customers who prefer the pricing that pet food express can offer can go 12 box, park and get whatever they need. >> thank you. >> hi, my name's tony and i'm an owner at [inaudible] pet store and i want to read a letter, dear planning commission, we would like to add our voice in opposition to the pet food express application, we note the following, this is not an underserved area for pet supplies, it's not even an underserved area for pet food express which has a location with a park

business people show up here. a lot of restaurants and small businesses, and i am certain those members are very interested in this program. i myself have been faithful so long. that is why i am interested. hopefully i will be able to learn something and pass on to the people who need my assistance. if there's any way the supervisor would be able to generate a little more activity, maybe the location might not be perfect for the small orders to attend, and hopefully, we have another similar occasion to notify all those people to attend. but thanks so much for being here. thank you. >> yes, so, the typical loan for small businesses, these compliance issues, the term depends on the loan amounts. the most we can do -- in terms of other qualifications, again, this is a loan program, loan fund. these are not grants. they are credits. we will look at the capacity to avoid loan payments and also the totality of the situation, taking into consideration whether there are legal fees or remediation fees that need to be paid.

and large business and you can have good people in all three. i think pet food express are from the heart good people and i think that on balance, it will be the right way forward and we need to do this, thank you. >> is there any additional public comment? okay, seeing none, there's no additional public comment, it is lied and opening up to commissioner, commissioner antonini. >> thank you all for testifying, very interesting and certainly a lot of good things being done by the small pet stores as well as pet food express, i'm interested in hearing those comments, but i think in my opinion, that the perception of many of you as to the competitive dangers of pet food express are misplaced because as our families were growing, our children were growing, we had a series of dog, they were all big dogs, labs, retrievers, shepherds, and i don't think i went to a small pet food store to buy bags because they were big bags so we went to places like costco orbecause these are 50 pound bag and is you're going to search around for parking on chest nut str

and remember, we make your business our business.lding animatronics is all about getting things to work together. the timing, the actions, the reactions. everything has to synch up. my expenses are no different. receipt match from american express synchronizes your business expenses. just shoot your business card receipts and they're automatically matched up with the charges on your online statement. i'm john kaplan and i'm a member of a synchronized world. this is what membership is. this is what membership does. >>> a strike seems all but assured after the secretary of state john kerry came before the nation today with a stunningly aggressive case for military intervention in syria. he he began with what he called the facts about the chemical weapons attack that took place near damascus last week.

and, 53 percent of the businesses who attend have been in business for three years or more which we are really happy to target the small business owners and we want the people who are in the small business community to celebrate with them and so we are happy about them. i hope that you all had a chance to attend and i am not sure if you guys have an experience that you just wanted to call out and something that you felt was very important about san francisco small business week? or that we should continue to push forward p, and any you do an excellent job and i would like to say publicly that since your involvement with this you have really elevated this event and i remember years ago that we first had the room at the hotel in japan town and it was a one-day event and where it is at now and you have really raised the bar on this and i don't know how we can top it. >> and i am sure that we will about to hear how we will top this later on. and so, which i don't doubt that you can do. and i thought that flavors was excellent and i like, you know our committee decided to, you know, charge w

to the office of small business owner and the small business owner commissioner. he started the office of the small business owner and his contribution has helped to establish the go to for small business owner. but most significantly wins starting with the smoking free ordinance and the alcohol recovery fee and the revisions to the health skirt ordinance and ending with the family free workplace. he provided excellent service and has represented the small business owner commission as well as the liaison city departments. the san francisco small business owner commission extends it's full guide to the commission we we wish you many, many successes. i'd like to make a few remarks to chris's contribution has really i think, you know, really evaluated our position around policy matter and really having different elected offices approaching us ahead of time and has established a wonderful working environment. and that's been greatly appreciated. i hope your proud of your accomplishments and just really want to wish you the best success and think you'll be great in our

relationship as well and that's why you can't do business here from the u.s. you want to invest you've got to come here you've got to set up an operation you've got to slowly not only get to know the the environment but to have the russian counterpart know you as a person well we'll continue discussing our russian american relations just after a short break. pleasure to have you with us here on our teacher day i roll. welcome back to worlds apart where we are discussing love to hate feel a sense of adventure russia and the united states with andrus elmer's president of the american chamber of commerce mr summers one of the. risks that is often cited with regards to doing business in russia is the lack of predictability and when you look around the world i think the global context for predictability has changed dramatically over the past year or so if you look at some of the countries that are considered stable before it's herky brazil in. may they don't seem that for libel and stable anymore so would these global instability try and make russia a bit more attr

business is fundamentally good. the security and free-market and without crony capitalism and all the kinds of distortion. but then if you apply a higher conscious is to it, people go to an even higher level. because then you start to see the bigger picture and the interconnectedness. you start to treat business as it should be treated, as a living organism. not as the machine where you put in inputs and outputs. it is a living thing that is to color that creates all kinds of names in the world. so we are very much in harmony. my co-author, john mackey has been a regular at this event for many years. he is actually in africa. john mackey is the cofounder and co-ceo of world first markets come a company than in many ways represents what we talk about in "conscious capitalism." >> host: we have a chart in here. how does it fit into what you describe? >> guest: at the purpose of core values, what do we believe in what are we trying to do? why was whole foods created? it was started in 1878 with the original name, safer