The Small Business Administration is promoting National Small Business Week, which will run between April 30 and May 6. Though that’s still some time away, it’s a chance to look closely at your own business venture and determine whether you need to change anything through more creative financing projects.
Newly appointed SBA Administrator Linda McMahon made the official announcement on March 13, in a statement on the official SBA website. The statement also outlined McMahon’s schedule for the week, including stops in a cross-country tour from Washington D.C. to California.
In its most recent Weekly Lending Report, the SBA measured the amount of funds disbursed through 7(A) and 504 loans, for the last five years up until March 10. According to this, the dollar amount of both has increased steadily since 2014. For 7(A) loans, this number reached more than 10.1 billion as of this year, and for the 504, it was closer to $2.1 billion.
“Use this as a time to acquire your own much-needed business funds.”
Furthermore, 11 percent of the businesses that acquired 504 grants were at least half owned by women, compared to 18 percent of 7(A) loans. Out of all total 504 recipients, 24 percent identified as non-white, while this number was 26 percent for the 7(A) program. Though the 7(A) figure was the same as last year, minority borrowers increased by 2 percent for the 504.
You can use this as a time to acquire your own much-needed business funds in a few useful ways.
Renovate
Promote your small business by redoing an existing facility. Whether it’s a much-needed addition or a chance to match competitors, an SBA fund can cover your costs. The SBA 504 Loan Program allows for up to $5 million in regular loans and can count toward certain renovation improvements on existing facilities. Set up the borrowing plan you need and give your business a new look in time for the big week.
Expand
The 504 program can also help you purchase existing buildings as a way to grow. Just like a renovation, this can be an event that helps spotlight growth in the small-business community. The program might also apply to “special use” cases, allowing you to build certain specific sites that don’t fall under traditional loans. If you run a hotel, gas station, farm or tennis club, you could possibly use this loan to continue building.
Refinance
A particularly crucial use of the 504 is refinancing. Businesses can take the week from April to May to restructure a loan or loans from behind the scenes and make headway toward a lower amount of debt.
Certain operating expenses can even count as part of this loan, so it helps to take some of the weight off project financing. This may not be as visible as a renovation, but it can free up capital for other things. Read here to find out more.
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Understanding COSC Certification and Its Importance in Watchmaking
COSC Accreditation and its Strict Criteria
COSC, or the Controle Officiel Suisse des Chronometres, is the authorized Switzerland testing agency that attests to the accuracy and accuracy of timepieces. COSC accreditation is a sign of quality craftsmanship and reliability in chronometry. Not all timepiece brands pursue COSC validation, such as Hublot, which instead adheres to its proprietary strict standards with mechanisms like the UNICO calibre, achieving comparable precision.
The Science of Precision Timekeeping
The central system of a mechanized watch involves the spring, which provides power as it unwinds. This system, however, can be prone to environmental elements that may affect its accuracy. COSC-certified mechanisms undergo strict testing—over fifteen days in various circumstances (5 positions, 3 temperatures)—to ensure their durability and reliability. The tests measure:
Average daily rate precision between -4 and +6 seconds.
Mean variation, highest variation rates, and impacts of thermal variations.
Why COSC Accreditation Is Important
For watch enthusiasts and connoisseurs, a COSC-validated watch isn’t just a piece of tech but a proof to enduring quality and accuracy. It signifies a watch that:
Offers exceptional reliability and precision.
Offers assurance of quality across the whole construction of the watch.
Is likely to maintain its value more efficiently, making it a sound choice.
Well-known Timepiece Brands
Several renowned manufacturers prioritize COSC accreditation for their timepieces, including Rolex, Omega, Breitling, and Longines, among others. Longines, for instance, provides collections like the Archive and Soul, which feature COSC-accredited mechanisms equipped with advanced materials like silicon balance springs to enhance resilience and performance.
Historic Background and the Development of Timepieces
The idea of the chronometer originates back to the need for precise chronometry for navigational at sea, highlighted by John Harrison’s work in the 18th century. Since the official foundation of Controle Officiel Suisse des Chronometres in 1973, the certification has become a standard for judging the precision of luxury timepieces, sustaining a tradition of excellence in horology.
Conclusion
Owning a COSC-validated watch is more than an visual selection; it’s a commitment to excellence and precision. For those valuing accuracy above all, the COSC certification provides peacefulness of mind, guaranteeing that each certified watch will function reliably under various conditions. Whether for individual contentment or as an investment, COSC-certified watches distinguish themselves in the world of horology, maintaining on a tradition of meticulous chronometry.
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