Her Ceo Journey

Rachel Hersh is the Sales Director, North America for Prestige Capital. She has over 20 years of experience as a financial executive in the areas of commercial finance, factoring industry, and business development.Rachel has a successful track record of industry competence, familiarity with commercial finance industry aspects, and working with hundreds of companies. From start-ups to high-growth companies to turnarounds, to triumph business capital and growth capital as well as provide debtor-in-possession financing needs. She helps clients and the business community understand available financing options and how to best leverage their assets to gain liquidity for their businesses. But it all starts with being able to maintain accurate accounting systems.Rachel HershShe is an active member of the Commercial Finance Association and Turnaround Management Association. She is also International Factoring Association's (IFA), a commercial factoring association, active member . Rachel was selected as a Woman i

Laura Didyk is Vice President and National Lead Women Entrepreneurs at the Business Development Bank of Canada (BDC). In this newly created role, she leads the bank’s national strategy to support Canadian women entrepreneurs and ensures that strategy is integrated across the entire bank.BDC is the only Canadian financial institution devoted exclusively to entrepreneurs to help create and develop strong Canadian businesses through financing, advisory services, and capital, with a focus on small and medium-sized enterprises.Don’t forget to listen to last week’s episodes with Jennifer Cooke, Corporate Lead, Women In Trade of Export Development of Canada (EDC), and a special episode with Carol Normandeau, Executive Vice President, Advice & Service with Libro Credit Union who is in the trenches helping Canadian small business owners with the application process with Canada Emergency Business Account (CEBA) and EDC Loan Guarantee programs. In this episode, Laura shared:➤ Laura’s journey to becoming the Vice Pre

Starting from April 24, 2020, many financial institutions are accepting the application of the Business Development of Canada (BDC) Co-Lending under the Business Credit Availability Program (BCAP). This bonus episode helps you to understand the details of this program, so you have the basic knowledge when you speak to the financial institution. In this bonus episode,  I shared the following: 1. Key points of the BDC Co-Lending program (3:14)2. Key differences between BDC Co-Lending and EDC Loan Guarantee which can impact your cashflow forecast (10:00)3. What is co-lending vs. loan guarantee (12:38)Need to untangle your financial story and apply for BDC Co-Lending? Click here.Check out April 21, 2020 bonus episode on How to be Ready for Export Development of Canada (EDC) Loan Guarantee and a deep dive conversation with Jennifer Cooke, Corporate Lead, Women in Trade of EDC. Submit your question here (your name, your business - service or product, your business finance question) and I will answer it in another b

Jennifer Cooke is the Corporate Lead for Women in Trade at Export Development of Canada (EDC). In her role, she is focused specifically on helping more women entrepreneurs export to grow their business. Working directly, as well as through key partners, EDC is offering specialized trade knowledge, facilitating trade with financing and insurance, and providing connections to enable companies to go, grow, and succeed globally.For Jennifer Cooke, 2019 (or late 2018) marked the journey toward new horizons. That was when she became the corporate lead for Women in Trade. Jennifer dedicated 2 years and 4 months for it before becoming the Director of Inclusive Trade.Last Week's EpisodeDon’t forget to listen to last week’s episodes with Wendy Cai-Lee, President & CEO of Piermont bank on reinventing how banking works for entrepreneurs. There was also Christine Chang, CEO of 6th Avenue Capital, on how they bridge the small businesses financing gap.In addition, we had a special episode with Carol Normandeau, Exe

What Key Questions Do I Need to Ask Before I Enter Into A Business Debt Agreement?A question being asked by one of the listeners of Her CEO Journey: The Business Finance Podcast for Women Entrepreneurs. Far too often, small businesses enter into debt financing without asking these 7 questions. Instead of surviving, their business is buried under the mountain of debts.  Debt financing can help you to survive and thrive if you are intentional and strategic. In this bonus episode, I shared the following:1. Lessons learned from past recessions in order for a business to survive and thrive (2:40)2. 3 steps you must do prior to considering a debt financing (5:25)3. 7 key questions to ask before entering into a business debt agreement (8:00)Keep listeningCurious about where you stand financially? Check out here for March 26th solo episode explaining how to stress test the financial health of your business. Contact MeReady to transform your purpose to an impactful business financial story, profit, and joy? Schedule a

Wendy Cai-Lee is the President and Chief Executive Officer of Piermont Bank, a next-generation bank that focuses on accelerating growth for entrepreneurs. It is the first bank to open in New York State since 2008.As a successful entrepreneur and executive, Wendy has 25 years of management and business-building experience in commercial and consumer banking, mergers & acquisitions, and cross-border investment advisory services at Fortune 500 financial organizations as well as start-up companies.Wendy is a member of Governor Andrew Cuomo’s New York State Committee for the Advancement of Women in Leadership in Financial Services. She is a member of the Board of Trustees of Friends of UNFPA (the United Nations Population Fund) since 2007 and served as its chairperson for seven years. She serves on the Dean’s Advisory Board at Douglass College. Wendy is a recipient of numerous industry honors, including “50 Most Important People in Commercial Real Estate Finance” by the Mortgage Observer in 2015 and frequently

Carol Normandeau is an Executive Vice President, Advice and Service at Libro Credit Union. She participates in the development of corporate strategies and provides leadership on Libro’s Community Banking, Business Banking, and Wealth Management Strategies. This includes the overall owner advice, coaching, and service experience at all Libro locations across southwestern Ontario, including the Contact Centre.Libro is southwestern Ontario's largest credit union, with $5 billion in assets under administration and more than 106,000 Owners. As a co-operative financial institution with more than 75 years of history, Libro supports the well-being of people, businesses, and communities by providing high-quality financial coaching and profit sharing.Don’t forget to listen to last week’s episodes with Christine Chang, CEO of 6th Avenue Capital on how they bridge the small businesses financing gap.This episode can help you navigate the uncertain business environment that we are currently experiencing together.In th

Christine Chang spent 25 years in the alternative credit sector at companies such as Charles River, Credit Suisse, and New York Private Bank & Trust, prior to becoming the CEO of 6th Avenue Capital, a company that truly understands the importance of alternative credit and provides secure and equitable access to capital to entrepreneurs seeking to grow their businesses.6th Avenue Capital helps bridge the financing gap by providing small and mid-sized business owners – including those who are underserved by traditional banks today – access to fast and fair financing and expert service, enabling them to unlock immediate opportunities. A leading source of alternative financing, it provides necessary short-term bridge financing to SMBs through Merchant Cash Advances (MCA), a lump sum payment in exchange for a portion of future receivables at a discounted price.Don’t forget to listen to last week’s episodes with Kathryn Schifferle, Founder and CEO of Work Truck Solution and Comvoy on how to plan a pivot effecti

As of April 20, 2020, these financial institutions are accepting the application for Export Development of Canada (EDC) Loan Guarantee under the Business Credit Availability Program (BCAP): Scotiabank, National Bank of Canada, Bank of Montreal. If you are a business client of these financial institutions, then reach out to your business account manager. In this bonus episode,  I shared the following: 1. The updated eligibility criteria for Canada Emergency Business Account (CEBA) (1:55)2. Canadian government’s intention to help business owners with rent assistance (3:15)3. Revise your scenario analysis (4:22)4. Details of the Export Development Canada (EDC) Loan Guarantee program as of April 20, 2020 (5:03)5. How to be ready for the application process for EDC Loan Guarantee (8:35)Need to untangle your financial story and apply for EDC Loan Guarantee? Click here.Check out the list of resources for the Canadian financing program and subsidy.Contact MeReady to transform your purpose to an impactful business fin

Kathryn Schifferle is the founder and CEO of Work Truck Solutions and Comvoy. She founded Work Truck Solution in 2012, a cloud-based solution to help automotive dealers stock and market the right work truck online, and meet work truck buyers' needs. It serves over 800 dealers across the U.S. and is growing rapidly. Comvoy is the first and only structured, searchable marketplace for work-ready trucks. Her deep understanding of the commercial truck space stems from her role as executive director at the National Ford Truck Club, which she’s held for nearly 13 years. She previously served as a director at Balestra Automotive Marketing, a marketing consulting business, and founded cable systems company Multi-Image Network, where she served as president and CEO for nearly 20 years. Kathryn earned a Bachelor’s Degree in 1976, and an MBA in 2007, both from California State University, Chico. Don’t forget to listen to last week’s episodes with Jill Earthy, the interim CEO of Women Enterprise of BC about financing

*UPDATE - A change in the eligibility criteria*As of April 16, 2020, organizations will need to demonstrate they paid between $20,000 to $1.5 million in total payroll in 2019. When this podcast was released, an organization that paid a total payroll in 2019 between $50,000 to $1 million. On Thursday, April 9, 2020, Finance Minister Bill Morneau and Mary Ng, Minister of Small Business, Export Promotion and International Trade, mark the launch of Canada Emergency Business Account (CEBA) which is part of the Business Credit Availability Program (BCAP). Find the details here.On the same day, major financial institutions opened their online application platform where small business owners can apply for CEBA. This bonus episode is requested by one of Her CEO Journey's listeners. I shared the following:1. The terms of CEBA (2:00)2. An example of how CEBA works (3:15)3. The type of expenses you can use CEBA for (4:52)4. Eligibility criteria to apply for CEBA (6:02)5. What you need to think about and prepare for

With billions of dollars offered by the government in the US and Canada, do you know what your company’s needs are? Which government program or combination of programs best suited for your company’s needs? Should you apply and take this financing program? Before you take the money from any of this financing program, answer a list of questions in this bonus episode. I shared the following:1. Canada's government financing program - Business Credit Availability Program (3:35)2. The United States' government financing program - CARES Act (5:05)73. None of these are FREE (7:22)4. Ask yourself these questions before you apply (8:19)Click here to find the list of resources I have gathered for you for the government financing programs in Canada and the USIf you need me to clarify certain points, you know where to reach me. I’m here for you. Let’s continue your journey to grow a business that fuels the life you want to live. Contact MeReady to transform your purpose to an impactful business financial story,

Jill Earthy is an entrepreneurially minded leader who believes diversity drives innovation and recently, she was recognized by the Canadian Centre for Diversity and Inclusion award as a Community Champion, by Business in Vancouver as an Influential Woman in Business and by WXN as one the Top 100 most powerful women in Canada in 2019.She is Principal of Risery, a boutique advisory firm advancing the rise of female leaders, entrepreneurs, and progressive organizations and the interim CEO of the Women’s Enterprise Centre of BC, a provincial non-profit organization providing loans, advisory services, and mentorship to women entrepreneurs. She has successfully built two companies nationally and sold them, and then spent 8 years in leadership roles in the non-profit sector supporting entrepreneurs.Don’t forget to listen to last week’s episodes with Kathryn Petralia, President and Co-Founder of Kabbage about solving business cash flow challenges with Kabbage FundingTM and solo episodes where I shared a tool to stres

Kathryn Petralia is the President and Co-Founder of Kabbage, leading global financial services, cash-flow technology and data platform for small businesses. Before co-founding Kabbage, Kathryn spent nearly 15 years working with large and small companies focused on credit, payments, and e-commerce. After graduating from Furman University with an English degree, Kathryn pursued her interest in technology to launch a number of successful startups. Kathryn was named to Forbes’ 2017 list of the World’s Most Powerful Women. Thank you for participating in Her CEO Journey contest over the last 3 months. The most inspirational Her CEO Journey episode is “Behind the Scene of Building 7 Figures Podcast Booking Agency - The Journey of Jessica Rhodes”Don’t forget to listen to last week’s solo episodes where I shared a tool to stress-test the financial health of your business and episode 28 “How to Survive Recession with Financial Confidence - The Journey of LuAnn Nigara”. These episodes can help you navigate the uncertain

As entrepreneurs, it’s expected there will be times where everything is going well and times where we are dealing with a high degree of uncertainty and fear of a decline in revenue, profit and cash flow. It doesn’t matter if you are a large, medium or small business, you will learn, in an uncertain situation, a CEO must understand the business financial numbers to figure out new strategies to deploy, to keep the company running. During a possible economic downturn, financial resilience is critical. Finance resilience means how a business survives during unexpected financial hits.First, you must know where you stand and how much “stress” your business can handle from a financial perspective in a possible economic downturn. In this episode, I shared the following key points:1. What is the scenario or what-if analysis?2. What are the key areas to think about in building this?3. Why is this useful to build resilience in a possible economic downturn?Download the scenario or what-if analysis template here. How can

Erin began her technology career as a programmer with a small software firm before founding Entrepreneurial Technologies in 2007. As CEO she is passionate about building the right environment and processes for the ET team to do its best possible work. She also assists with system architecture and design. Starting and growing a successful business in the field of technology isn’t easy. It’s especially hard when you launch your business on the cusp of one of the most destructive recessions in U.S. history, get diagnosed with an incurable degenerative disease and oh yeah - don’t look like a tech entrepreneur is ‘supposed’ to look. But Erin Rollenhagen has never been afraid to go against the grain. She made a name for herself at age 14 when a protest that she led against mysogynistic behavior at her middle school drew national media attention. She carried that rebel spirit into her career as a tech entrepreneur, founding a company on the premise that technology doesn’t have to be cold and heartless. In 2019, she

Christine Perakis is a business growth architect who guides small business owners along the path to scale from 0 to 8-figures in record time, drawing from her experiences as an attorney, strategic advisor, serial entrepreneur and C-suite executive in 10 businesses, a professionally licensed 100-ton boat captain, while also helping 100s of clients on 5 continents to do the same.Most recently, having survived two category 5 hurricanes in two weeks, trapped alone in a wind coffin for almost 24 hours, and surviving in the aftermath for months without electricity, running water and telecoms, Christine shares the resilience and leadership strategies that helped her weather the storm in life and in business. Her book, The Resilient Leader, available for preorder, introduces the “7 Barometers of Resilience “that can help anyone weather the Category 5 situations in their lives and businesses and to become invincible.Don't forget to vote for the most inspirational Her CEO Journey. The contest is closed on March 31

Kisha Mays is a Successful Serial Entrepreneur, Visionary Global Business Development Strategist, Best Selling Author, Angel Investor, and Philanthropist. Her primary focus is on helping to develop 1,000,000 Fearless Female Entrepreneurs generating a minimum of $1,000,000+ in annual revenue. Turning them into unicorn global businesses through the Just Fearless Angel Fund which is a fund exclusively for female-founded companies. She pays it forward by supporting non-profits worldwide that specifically support & empower women and girls.Kisha and her team are developing strategic partnerships for 2019 and beyond to take this international business and brand to an explosive level bringing Just Fearless from behind the scenes to the forefront. She and her team are excited about the abundance of opportunities, expansion, and partnerships to be announced very soon. She has been featured in the Business Insider, New York Times, Wall Street Journal, Fast Company, and Forbes to name a few. The Just Fearless team ha

It can be confusing to understand the different roles in finance. In this solo episode, I explained certain misconceptions about the different roles to help you to build the right finance team for your business.I shared the following key points:1. Bookkeeping vs accounting vs taxes2. One big misconception about a certified public accountant (CPA);3. What is business finance;4. Understand the key responsibility of a CFO if you choose to wear the CFO hat.In March, I'm running a contest where I would love for you to vote for one of Her CEO Journey who inspires you the most, only for episodes released during the first quarter of 2020. A winner for the most inspirational journey will be announced in April.  It will mean so much for me and my guests to know our conversations help your journey.I invite you to listen to January and February’s episodes, as well as future episodes and don't forget to subscribe! Let’s continue to grow a business that fuels the life that you want to live. Connect with Christina

Michelle Bosch is the Co-Founder and CFO of Orbit Investments and a full-time real estate investor since 2002. She has bought and sold over 4000 pieces of real estate and built the 3rd largest land investment and auction company in the US, bringing that company successfully into the 8-figure revenues in a matter of 18 months. Through the recession, she positioned Orbit Investments for rapid growth in the Single-Family and Multifamily investing space with over $40 million in assets under management.Michelle is also the Co-Creator of the nationally recognized Land Profit Generator Program focusing on teaching others how to invest in Land and has created over 145,000 followers via the Forevercash Podcast/Radio Show, LandProfitGenerator.com, UltimateBoardroom.com, and social media channels. She also hosts her own podcast on faith, family, flow, and finances: InFLOW with Michelle Bosch.In this episode, Michelle shared:➤ Her dad’s legacy (6:30)➤ The key to prosperity is simplicity (7:23)➤ Created a blue ocean for h