What are the 5 Cs of Credit?

Owners looking for a loan for their small business should be familiar with the 5 Cs of Credit. Character, capital, collateral, capacity, and conditions determine if a traditional lender will offer a loan to a business owner. New and aspiring business owners can learn about the 5 Cs of Credit on Thursday, October 2, 2025, in a workshop hosted by the nonprofit lender WESST.

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Financial Statements Tell the Good and Bad

Financial statements are a business owner’s best friends when the owner takes the time to look at them. They indicate the good and bad of a business’s operations. Financial statements such as the Balance Sheet, can be a snapshot in time, while others, like the Statement of Cash Flows, Budget vs. Actual Income Statement, and Profit and Loss Statement, show trends over time. All of them are essential for knowing how the business is performing.

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State’s Business Resources On Display

New Mexico offers an abundance of resources to help new and established businesses reach their goals. Many will be on display at an expo-style event on August 29, 2025, in Santa Fe. The event is open to the public, and participants are encouraged to walk around, meet institutional representatives at their tables, and engage in informal conversations about available resources and potential partnerships.

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8-Month Business Accelerator Program

The Center for Responsible Entrepreneurship at UNM Anderson School of Business is offering an eight-month business accelerator program to help individuals and businesses take their ideas to the next level. Participants do not have to be enrolled at UNM. Applications will be accepted until August 22 for the program that begins on September 6, 2025.

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Boost Your Publicity

The New Mexico Chapter of the Public Relations Society of America is hosting a “Meet the Press” event to help public relations professionals and businesses strengthen their ties to the media.  The July 31, 2025, event aims to deepen understanding of today’s media landscape and build stronger, more effective relationships with journalists and media outlets.

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Business Plan is Guide to Success

A business plan is a document that spells out a company’s expected course of action for a specified period, usually including a detailed listing and analysis of risks, uncertainties, and opportunities. For the small business, it should examine the proposed products, market, industry, management policies, marketing policies, production requirements, and financial needs.

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