renewable pay day loans

Advanced Biofuels CEO's are Gearing Up for the Challenges

Claire Poole, World Biofuels Markets Director, recently interviewed Alan Shaw, CEO of Codexis, John McCarthy the CEO of Qteros, Ed Dineen the CEO of LS9, Guido Ghisolfi the CEO of Beta Renewables Italy and finally for the analyst perspective Pavel Molchanov of Raymond James. Here is what they had to stay about the various stages of growth of their companies and the current state of this incredibly exciting and dynamic market:

1. What do you and your organisation do in the advanced biofuels sector?

AS: Codexis is developing advanced biofuels in partnership with Shell, the world’s largest distributor of biofuels.  Codexis enzymes and microorganisms provide the biofuels industry with a cost effective, renewable replacement for gasoline, and an alternative to their traditional supply chain.  Our program with Shell is focused on two primary elements: l) developing biocatalysts to convert cellulosic biomass into sugars and 2) converting those sugars into cellulosic ethanol. JM: Qteros, Inc. is building a high-value global renewable products company based on a highly capital efficient licensing business model. Qteros leverages its unique and proprietary microbial catalyst as the foundation for an industry-standard technology platform for the lowest cost production of commercial-scale ethanol from non-food feedstock (cellulosic) materials. The biological uniqueness of Qteros’ microbial catalyst enables the design and development of a highly streamlined engineering platform that results in compelling producer economics that are otherwise unattainable by competing conversion technologies. ED: LS9 is developing a portfolio of biotechnology-produced fuels, including diesel and aviation, as well as a diverse set of chemicals.  Our feedstock is basically any type of C5 or C6 sugar molecule from traditional agriculture sources (e.g., corn, sugarcane), by-products such as glycerin, and hydrolysates from cellulosic biomass.  LS9 converts these sugars to drop-in products in a one-step, biological process.

California State and Local Government 180: San Jose Mercury ...

Last month, the Bay Area News Group reported on California's proliferation of payday lenders and the powerful lobbying industry fueling their success. Although 17 states have driven the lenders out of business, mom-and-pop outfits and national chains have attracted hundreds of thousands of new California customers, while donating to politicians now pushing an industry-backed bill to expand lending. Georgia made payday lending a felony subject to racketeering charges for non-bank payday lenders, but Guaranty Bank offers a similar loan in that state. In Ohio, where voters enacted a payday loan interest rate cap of 28 percent, Fifth Third Bank's "Early Access Loan" has a 520 percent annual percentage rate for loans taken a week before payday. Wells Fargo customers who have a checking account and a recurring direct deposit can borrow as much as half of their monthly earnings, or a maximum of $500. At most banks, fees average $10 per $100 borrowed. Wells Fargo charges $7.50 per $100. Non-bank payday lenders charge $15 per $100, but under California law they can only lend as much as $300 at a time. Despite the warnings, more banks are being pushed by industry consultants to join the market as a way to offset lost revenue from new federal regulations that limit overdraft fees. Representatives of Fiserve, an industry software provider, pitch the small-dollar loan market to banks as "a very compelling revenue opportunity" -- and a way to "make some real money.

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