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Useful Resources

Community Investment Corporation understands that operating your small business takes time, dedication and planning.

Whether you are starting out or already in operation, your small business will encounter various phases in its lifetime.  There are resources available to help you manage and expand your small business during these periods, such as: obtaining a business license, Federal Tax ID and choosing the appropriate business structure; conduct market research and competitive analysis to craft a business plan; financial management to develop projections; enlist in technical assistance training to develop a marketing campaign, expand your business or utilize the latest technology to gain a competitive advantage.  CIC works with a trusted network of organizations that provide such services to ensure your small business has access to the resources it needs to succeed during any phase.

Start-Up Phase

WBC is a network that provides business training, counseling, coaching, mentoring and other assistance geared towards women.

Provides general information and links for the following services: business license, business name registration, IRS Employer Identification Number (EIN), permits, etc.

SCORE, a volunteer organization made up of experienced business professionals, provides key services and counseling, both face-to-face and online, for entrepreneurs who are just getting started.

The VBOC Program is designed to provide entrepreneurial development services such as business training, counseling and mentoring for eligible veterans considering starting a small business.

Growth and Expansion Phase

SBDCs offer existing and future entrepreneurs free one-on-one expert business counseling and low-cost training by qualified small business professionals.

Approves filing of articles of incorporation for Arizona businesses and articles of organization for limited liability companies.

(ACA) is the state’s leading economic development organization with a streamlined mission to grow and strengthen Arizona’s economy who partner with entrepreneurs and companies large and small to create new jobs and businesses in targeted industries.

Microsoft Excel is required to access Business and Personal Financial Management resources.

Business Resources

12-Month Cash Flow Statement – Track cash inflows and outflows by category, by month

Annual Financial Report – Create a summary of your organization’s annual performance across key metrics such as revenue, operating expenses, and net profit

Balance Sheet – Projection – Track assets, liabilities, and equity and projected changes for the next year

Balance Sheet – With Ratios – Track assets, liabilities, and equity and calculate key ratios used to compare your organization’s performance to peers in your industry

Breakeven Analysis with Charts – Calculate the break-even point for your company, when revenues equal expenses

Loan Calculator and Amortization Table – Using your desired loan amount, interest rate, and loan period, calculate your monthly payments and total loan expenses.

Loan Comparison Calculator – Determine the total cost of a loan by changing the loan period, payment frequency, and interest rate.  Compare up to three loan scenarios at a time.

Monthly Business Budget – Keep track of estimated and actual business expenses.  Set a monthly budget to ensure proper spending.

Profit and Loss Statement – Create a profit and loss statement, also known as an income statement, for current and prior periods.  Calculate net profit, gross margin, return on sales, and other key measures.

Simple Invoice Template – Create invoices for your company using this simple template

Personal Financial Management Resources

Car buy vs Lease Calculator – Calculate and compare the total costs of buying vs. leasing a vehicle and determine the best option for your situation.

Credit Card Payoff Calculator – Using your outstanding credit card balance and interest rate, calculate the impact of increasing your monthly payments on time until payoff and total interest paid.

Loan Calculator and Amortization Table – Using your desired loan amount, interest rate, and loan period, calculate your monthly payments and total loan expenses.

Loan Comparison Calculator – Determine the total cost of a loan by changing the loan period, payment frequency, and interest rate.  Compare up to three loan scenarios at a time.

Simple Annual Budget – Create an annual budget using your income and expenses by month for the full year.  Adjust categories to meet your personal needs.

Simple Monthly Budget – Create a monthly budget by entering your income and expenses by category for a single month.  Determine your percentage of income spent.