tv [untitled] April 11, 2011 12:00am-12:30am PDT
that is where we see a lot of businesses and personal service or internet business get started, and generate revenues and be able to show growth without needing any capital, like a brick and mortar business might. >> my name is terry said. i have a retail business in san francisco for 22 years. i have a 5 04 -- 504 loan. it took me three years to get. we need more capital. i tried to get a line of credit from wells capital. i was decline. where does someone like myself go? i have a loan, i need additional funding. >> did you try through the sba? >> i already have an sba loan. i went to wells fargo for a line of credit and they would not give me one.
>> i can speak to you about it. when we look at funds that are needed, the biggest thing we look at our cash flow. i can address that with you. unless there is an issue, at that point -- [inaudible] >> let's talk, ok. >> i have a couple of more questions. i know that the panelists have agreed to stay after for those who have specific questions. i do have one question for wells fargo. what are the typical rules for applying for sba loan of less than $50,000? how much money do we need to
have in your bank to apply for a loan? >> i am on the smaller side of the bank. i am a transaction guy. i do not technically require one to have an account to do a loan with. what i look for, i generally start at 100,000 and up. when it is a requirement of 50,000 or less, i tend to call of the micro guys to help me out. that is right in their box. for us, the capacity for us to do the smaller side is not there as much as it is for them. on getting a loan through my side of the bank, i do not require an account to do that.
we would like to have it, but i do not require it. >> last question for the opportunity fund and a critic representative. are you a cdfi? is san francisco and s.p.a. in support of cdfi's being established in san francisco? >> yes, we are. we were founded in 1999 with a small business loan. that is how we started our tenderloin office. >> opportunity fund is a certified cdfi, so we are providing a benefit to low and moderate-income communities. he is the city establishing support for new cdfi's? >> mark wanted to address that,
in support of cdfi's in the city. >> we have a wealth of partners in the city. s.p.a. is just now rolling out a program for r -- will be the case by the summer. let me get one last point and on the question about relationships to lenders. the question was, do have to have an account with a bank in order to get a loan? may answer is no, but the real answer to it is certainly want to do that. one of the things we see as an important thing for you, as a small-business person to establish a relationship with a lender on a variety of levels before you look for funding. part of that is opening an account with them, letting a
lender know about your business, understand your business, talk to them as you are growing your business. when the economy is strong, all lenders are shopping for transactions. in times are tough on credit, you want to rely on those deeper liberation ships with your lender. you want to develop a relationship with a lender. it is the case where you want to open up an account, while to have another bank services that you want to have a relationship with your lender with it because when you go to them for any loan requests, you want them to know about your business and feel like they are a partner of yours, not just that you are shopping them. if you are shopping, you are just looking for the best deal from them, rather than a long- term relationship. >> i want to thank everyone for coming. hopefully, you have all signed up for our updates.
we are going to be hosting these on a regular basis. the next two coming up will focus on becoming a government contractor, how your small business can partner with the government. the next one will also be on how to grain your business, with tax -- green your business, tax credits available with that. for non-profit, charitable organizations, we have a workshop coming up. that is helpful for those of you who are looking to access the committee on a durable basis. >> also, on behalf of leader pelosi, i want to thank our panel and her staff. we are tenants in this building.
i have had the very fortunate opportunity to meet mayor bloomberg from new york, of course, and, of course, reminded them that both of my daughters, he needs to take care of them because they are studying graduate school in new york, and to welcome him here to san francisco. obviously, we have a lot in common because we are both makers of big cities with very complicated populations and a lot of things happening, but wanted to take the opportunity to welcome mayor bloomberg here to san francisco. immediately, we talked about a passion we both have, and that is golf, so i wanted to present him with a ++in exchange, he mie
something for me relative to golf, but, mayor bloomberg, welcome to san francisco. running a very big, complicated city like new york, and at present to you, mayor bloomberg. >> thank you, mr. mayor, and thank you for the hospitality that the people of san francisco not only showed us this time, but every time i have been here, i have been coming here a long time, and i was honored when i got off the rapid transit. i do not know if she is called the first lady of san francisco, but as far as i'm concerned, charlotte shultz is the first lady of san francisco, but that
could be because i do not know other women here. but i have been a big fan of the family for a long time. they have been a family dedicated to helping this country. i have known charlotte and her husband for many years. it was fun to talk to the mayor. we caught up on what it is like to be a major -- a mayor. we caught up on environmental topics, the topics on which new york and san francisco have a great deal to learn from each other. both cities have aggressive programs to make the environment better, and we both believe that cities have a particular responsibility when it comes to this. things like the environment are things that mayors have to deal with every day. we criticize when the water is not clean and when the air is not clean, when the congestion is such that you cannot do business. and things happen at the city level, and as the mayor well knows and i know, we have an opportunity to really change
things. cities account for something like 70% of the world's greenhouse gas production, so we really do have in our hands the opportunity to change the world, and san francisco is affiliated with a group called the c-40 climate grew. i have just become chairman, and i look forward to working with the mayor of san francisco and all of the other cities to really make a difference and leave my children and your children a better world. san francisco's new ordinance covering greenhouse gases, which just passed last month, for the city's existing commercial buildings, i think it is a good example of how we can work together. requirements of annual benchmarking of periodic energy audits in major buildings are very similar to a provision of new york city's greener, greater buildings plan, which we enact it back in 2009. that is part of new york city's plan, which had the goal of
reducing our cities carbon footprint by 30% by the year 2030. as our cities go forward in implementing these laws, think he can profit from the others experiences. just as companies that own buildings in both our cities will benefit from similarities between these laws as they adapt and comply with them. we rely on carbon-efficient mass transit to a far greater extent than other american cities do, and for that reason, it is buildings that create 80% of the emissions in our city and transportation only 20%. really, the exact reverse of what most other cities do, and that is why we think our building laws will make a difference. we anticipate that when fully implemented, we will be able to save new yorkers something like $700 million a year in energy costs and greatly enhance our economic competitiveness, create something like 17,000 jobs and shrink our carbon footprint.
it is a great challenge, but it is a great opportunity. i just wanted to finish by saying that i really am committed, as is the mayor. we understand that the future of our cities, our country, and the world give him on as making sure that we treat our planet with a lot better care than what we have done in the past. it is the best ways to economic growth that either of us can think of, so, mayor lee, thank you very much. i have not talked to you since you took your job, so congratulations. we expect you to come to new york city. i will repay the complement. i do not know how many of these i will have left by the time you get there, but i will tr to show you the same hospitality the san francisco has shown me all these years that i have been coming here. it is a wonderful city, and thank you all for having us. ed lee -- mayor lee: we have
something for mayor bloomberg. i think he will find it very special. charlotte, would you like to explain what is underneath here? >> [inaudible] the mayor's idea was to make you an honorary citizen. >> do i have to pay taxes? [laughter] >> [inaudible] if you want to get attention in your office. have you seen his office? it is like a bull pen. [inaudible] >> [inaudible] >> thank you very much. i cannot wait. >> [inaudible]
[laughter] >> probably have to cook them first. >> as an honorary citizen, you have to come often, and if we raise taxes, you'll be the first to know. >> last time i was here, miss schulz gave me a stanford cat. i had to take a picture to prove that our warrant. thank you, everyone. mayor lee: thank you. i guess if there's questions. all right. >> former mayor gavin newsom often talked about modeling some
of his programs after new york. [inaudible] if he could give us your impression of the homeless problem in the city as you have walked around and driven around. >> i did not know the specifics of how many people here need shelter, but we set a very aggressive goal of reducing the shelter population in new york, which we did not meet because what happened was the economy went south, and that put an awful lot more people in need of shelter. we worked very hard to help reach -- to outreach. we think we have a very small number of people on the streets that sleep on the streets. that is our first concern. we have fixed hours shelter
system so that nobody sleeps on a bench. we get everybody to a place and make sure that the kids do get assigned to a school, and we worked very hard on programs to get people out the other end, get them permanent housing. we have a program called advantage, which is funded by the federal government, the state government, and the city government. unfortunately, federal and state are cutting it out, so we will have an enormous challenge, but it is a program where you have to work to qualify for rent assistance, and if you get a job, which we try to help you do, and keep your job, you can keep the help to provide shelter outside the shelter system, a permanent apartment. i think the people of san francisco and the people of new york understand we have an obligation to help those who are not as lucky as the rest of us. i wish we did not have a problem, but as long as the problem is there, i think the people of san francisco and the people of new york city
understand their obligation, and we are going to do everything we can. >> [inaudible] >> i just know -- i took the bar in. it was a fast ride, and walked two blocks with the mayor. it is like new york, i'm sure there are places people go. what we do on the last monday of january -- we send out 500 volunteers dressed as vagrants, and we assign them to different places around the city where you might find homeless, and we send out 2000 volunteers who go all night and tried to count, and we assume we get the same percentage of the actual population as the decoys, and it has been coming down about 13% each year. i have not got the numbers for this year yet. we should be getting them in the next few weeks, but it is a great challenge, and we have about 2500 people living on the streets of new york city, and almost all of them, we interface
with. they have emotional problems or psychiatric or addiction problems. there is no simple answers. there are people who just need help, and it is hard to reach out to them. from what i have heard about the mayor, he has a real compassion for people, and that is what you need, someone who is going to do that. >> what advice would you give our new mayor to try to keep his head above water? [inaudible] >> well, he could come to new york and visit us for the next year. [laughter] i am sure the press would not work him over for that and he would not be in any trouble. i have always thought the public wants elected officials who are genuine. they did not necessarily have to agree with them, and they will complain if they do not agree with them, but they want people who they think are doing things for what the official things are
the right reasons, and what they do not like our people that try to have it both ways all the time. you should state what you believe in. "this is who i am." in this case, he was elected by the board of supervisors. they knew what they were getting. you should stick with it. there is an old western saying -- you dance with the woman that from you in. that would be my first piece of advice. be honest and do your best. not everything is going to work. you have to be innovative. you have to be willing to try new things, even when you know the likelihood of the working is not great and if they do not work, you will be criticized. but the only way cities become great like san francisco has become, is because they had some innovative people who really tried to do things. >> [inaudible]
>> change is difficult. there are people who do not like change. one of the great battles, i suppose, in america is between those who drive cars and those who ride bicycles. they both feel very strongly about it, and i think there is a place for balance. we have put a lot of new bicycle lanes in, but most people in new york city either walk or take mass transit. the roads we have do not have any excess capacity, and we are not going to have more roads. bicycles is one of the answers. people that write them like them. it can be dangerous. in an accident between a car and a bicycle, the bicycle does not have good odds, but our transportation commissioner is very innovative. she does come under a lot of criticism, but when i appointed her, i said i wanted her to try new things. all of the big things, i have approved, i should take the heat, not her.
we have done things like closing times square and herald square to traffic, which has been one of the most successful things we have done in terms of getting tourists and helping commerce in the area. we are trying lots of different things. different ways of paying for buses, different kinds of bus routes, and that sort of thing. in the end, mass transit is the solution for every big city, certainly for new york city. if not mass transit, then you have to take the roads, and roads are not just for automobiles. they are for bicyclist and pedestrians as well. we used to have a number of deaths every year by a traffic accident in herald square and times square, and today, i think there is virtually none. the number of traffic deaths in new york city has gone down to below the lowest when we started keeping records, which was about 1909 or 1910, something along those lines, and keeping people say is one of the transportation
commissioners jobs, and she has done a great job. controversial, yes, but if you do not have a commission that is controversial, you do not have a commission that is trying new things. >> [inaudible] >> don't take hours. i do not think he would come. >> [inaudible] >> yes, you have to have somebody that understands the first job is to make the streets safe so you do not have to look over your shoulder. they have to do it consistent with the constitution of the united states, but i think any city that thinks that they can have a tax base without low crime is making a mistake, and any city that thinks they can have low crime without constant investment in a diverse police force is making a mistake. our police department cost us roughly $8 billion a year, including pensions and other
charges to it. we have 35,000 police on the street, 55,000 people that work in the department. and we still have crime. we have the lowest murder rates we have ever had, slightly up last year. maybe we will set a new record for low murder. i hope, but it is aggressive policing, consistent with the law that keeps crime down, and it is a battle for reducing street crime and for preventing terrorists from inflicting enormous damage. those are the two basic jobs. it is nice when the police can do other things, but nobody should forget what their responsibility is, and the police chief serves at the pleasure of the mayor. they have to do what the mayor's policies are, and when it comes to making the police chief's jobs easier, if we could get guns off the streets of our cities, you would stop killing
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