Hear about the real life stories that put successful entrepreneurs on the track to ruin by confusing the key measures of a successful business. Learn about the worst and best things to do to build your business capital structure. A healthy perspective on life and business will create a solid financial framework to build a sustainable, and bankable, business enterprise.

1. Healthy Lifestyle,
Healthy Business
October 9, 2013
Scott Ochsner
Patrick Pariseau

2. Concept: Financial positioning for
the purpose of starting or growing a
business takes time and is a
behavior.

3. Positioning Issues:
1.
2.
3.
4.
Capital – loan down payment
Ability to service new debt
Collateral to back a loan
Ability to respond to an opportunity

4. 1. Capital: The wealth gap.

5. 2. Ability to Service Debt
Top 1%
Assets
Debt
Bottom 50%
35%
6%
7%
24%

6. 3. Collateral to back a loan
100 Year Stock Chart
Early Automobile
100 Year Housing Price
Early Cell Phone

7. 4. Ability to respond to opportunity
Crisis lender to:
• General Electric
• Goldman Sachs
• Dow Chemical
• Bank of America
The value of keeping some “dry powder”.

8. Depreciationist (80%)
Capitalist (80%)
No down payment
Too much (junk) debt
Invests in depreciable assets
Exploitable – esp. in down mkts.
Cash to expand
Little debt and it is good debt
Invests in appreciating assets
Positioned to exploit