Our Services

Southeast Economic Development Fund, Inc offers a diverse range of training and technical services aimed at supporting both startups and established small businesses. Since its establishment in 2014, personalized coaching, training, and technical support have remained at the heart of SEED$’s offerings. Additionally, SEED$ provides microloans with fixed interest rates and terms extending up to 60 months. This flexibility in lending terms distinguishes SEED$ from conventional lenders.

Our Services

Southeast Economic Development Fund, Inc offers a diverse range of training and technical services aimed at supporting both startups and established small businesses. Since its establishment in 2014, personalized coaching, training, and technical support have remained at the heart of SEED$’s offerings. Additionally, SEED$ provides microloans with fixed interest rates and terms extending up to 60 months. This flexibility in lending terms distinguishes SEED$ from conventional lenders.

Financing

Financing

SEED$ offers financing and technical assistance for startups and existing small businesses. We currently have loan funds available from a variety of sources, including First State Community Bank, Iron County Economic Partnership, Washington County IDA, St. Francois County Industrial Development Authority, U.S. Department of Agriculture Rural Development, and the U.S. Department of Health and Human Services (HHS) provided by the Missouri Department of Social Services, Family Support Division.

  • SEED$ has a lending specialist located at our office in Park Hills.

  • SEED$ follows a strict criteria for business lending and financing. However, our guidelines allow consideration of loans that are outside of typical bank requirements.

SEED$ Business Financing Opportunities

Micro Loans for startups, existing and growing small businesses in Bollinger, Cape Girardeau, Iron, Madison, Perry, St. Francois, Ste. Genevieve and Washington counties.

Loans range from $5,000 to $50,000

Small Business Loans for startups, existing and growing small businesses in Bollinger, Cape Girardeau, Iron, Madison, Perry, St. Francois, Ste. Genevieve and Washington counties.

Loans range from $50,001 to $100,000

SEED$ Business Financing Opportunities

Micro Loans for startups, existing and growing small businesses in Bollinger, Cape Girardeau, Iron, Madison, Perry, St. Francois, Ste. Genevieve and Washington counties.

Loans range from $5,000 to $50,000

Small Business Loans for startups, existing and growing small businesses in Bollinger, Cape Girardeau, Iron, Madison, Perry, St. Francois, Ste. Genevieve and Washington counties.

Loans range from $50,001 to $100,000

Financial Analysis

Access to industry data (show how your business compares to others in your industry.)

Financial analysis reports can be used to better understand your business’ financials.

Working capital

Use is to develop risk management solutions.

Helps you make better financial decisions.

Examples of items lenders need to consider a small business loan:

  • Financial statements (Balance sheet, Profit & Loss Statement, cash flow)

  • 3 year cash flow projection

  • Last 3 years tax returns

  • Business plan

  • Articles of Incorporation or equivalent formation documents

  • By-Laws or Equivalent (LLC Operating Agreement, Partnership Agreement)

  • 501 (c)3 Tax Exempt status letter (if applicable)

  • Property Description: copy of lease, location maps, photos, site plans/floor plans

Examples For use of proceed:

  • Machinery

  • Equipment

  • Working capital

  • Leasehold improvements

  • Real estate acquisition or rehab

  • (Application fee $100 non-refundable Origination fee 1% at closings)

SEED$ does not offer

•  Construction loans (other than rehab loans for projects of $25,000 or less)  •

•  Lines of Credit  •

•  Personal loans  •

Financial Analysis

Access to industry data (show how your business compares to others in your industry.)

Financial analysis reports can be used to better understand your business’ financials.

Working capital

Use is to develop risk management solutions.

Helps you make better financial decisions.

Examples of items lenders need to consider a small business loan:

  • Financial statements (Balance sheet, Profit & Loss Statement, cash flow)

  • 3 year cash flow projection

  • Last 3 years tax returns

  • Business plan

  • Articles of Incorporation or equivalent formation documents

  • By-Laws or Equivalent (LLC Operating Agreement, Partnership Agreement)

  • 501 (c)3 Tax Exempt status letter (if applicable)

  • Property Description: copy of lease, location maps, photos, site plans/floor plans

Examples For use of proceed:

  • Machinery

  • Equipment

  • Working capital

  • Leasehold improvements

  • Real estate acquisition or rehab

  • (Application fee $100 non-refundable Origination fee 1% at closings)

SEED$ does not offer

•  Construction loans (other than rehab loans for projects of $25,000 or less)  •

•  Lines of Credit  •

•  Personal loans  •

An alternative to high-interest payday loans. We offer affordable, low-interest employment-based loans of $1,000 with no credit checks or collateral

An alternative to high-interest payday loans. We offer affordable, low-interest employment-based loans of $1,000 with no credit checks or collateral

Training

Training

These courses bring the business basics together for future reference. After completing the courses, you will be able to apply what you learned right away. We are pleased to help you get ready to take the next steps in your business’s growth.

Money Smart for Small Business is a training course designed specifically for persons just starting out in business. It provides a quick introduction to the essentials of creating and operating a venture.

Modules:

Organizational Types

Time Management

Financial Management

Managing Cash Flow

Banking Services

Record-keeping as a managerial tool

Credit Reporting

Risk Management

Insurance

Tax Planning and Reporting

Selling Your Business and Succession Planning

SEED$ is pleased to provide many types of training programs in several different areas of interest. The areas of training are ever changing and evolving with the needs of the region and will be updated accordingly. Please choose one of the current offerings below to find out more information.

These courses bring the business basics together for future reference. After completing the courses, you will be able to apply what you learned right away. We are pleased to help you get ready to take the next steps in your business’s growth.

Money Smart for Small Business is a training course designed specifically for persons just starting out in business. It provides a quick introduction to the essentials of creating and operating a venture.

Modules:

Organizational Types

Time Management

Financial Management

Managing Cash Flow

Banking Services

Record-keeping as a managerial tool

Credit Reporting

Risk Management

Insurance

Tax Planning and Reporting

Selling Your Business and Succession Planning

SEED$ is pleased to provide many types of training programs in several different areas of interest. The areas of training are ever changing and evolving with the needs of the region and will be updated accordingly. Please choose one of the current offerings below to find out more information.

Coaching

Coaching

SEED$ offers a wide range of assistance to startups and existing small businesses. Through one-on-one coaching, training, workshops, seminars, peer networks and other services, SEED$ helps individuals in our region get the information they need to start or expand their small businesses. One-on-one coaching is tailored to meet the needs of the business owner/entrepreneur and is available at your place of business. Trainings and workshops are offered on a range of business issues such as lean startup, credit building, and customer development.

SEED$ offers a wide range of assistance to startups and existing small businesses. Through one-on-one coaching, training, workshops, seminars, peer networks and other services, SEED$ helps individuals in our region get the information they need to start or expand their small businesses. One-on-one coaching is tailored to meet the needs of the business owner/entrepreneur and is available at your place of business. Trainings and workshops are offered on a range of business issues such as lean startup, credit building, and customer development.

One-on-one assistance is provided at no cost to clients to potential and existing business owners and managers in the counties we serve; Bollinger, Cape Girardeau, Iron, Madison, Perry, St. Francois, Ste. Genevieve, and Washington.

For more information about the services available or to make an appointment with a business development coach, call (573) 431-4296 or email hgarner@eastmoaa.org

Assistance and/or resources are provided in a variety of areas such as:

  • Business startup/acquisition

  • Sources of credit and financing

  • Marketing and Sales

  • Accounting, Record-keeping and cash flow analysis

  • Operations

  • Loan packaging

  • Technical Assistance

One-on-one assistance is provided at no cost to clients to potential and existing business owners and managers in the counties we serve; Bollinger, Cape Girardeau, Iron, Madison, Perry, St. Francois, Ste. Genevieve, and Washington.

For more information about the services available or to make an appointment with a business development coach, call (573) 431-4296 or email hgarner@eastmoaa.org

Assistance and/or resources are provided in a variety of areas such as:

  • Business startup/acquisition

  • Sources of credit and financing

  • Marketing and Sales

  • Accounting, Record-keeping and cash flow analysis

  • Operations

  • Loan packaging

  • Technical Assistance