Business, Brand – Company Names, naming a business.#Naming #a #business

Naming.co.in

Business, Brand Company Names

Words evoke emotions. Customers connect more with words that are easy to grasp, pronounce, spell and recall. Big businesses spend lacs/crores to come up with the right product/company/brand name. At a fraction of the cost, we are here to serve startups, small and medium sized businesses. We have named approximately 750 brands/companies so far. Around 96% of our clients loved our services and the name they finalized. This keeps us motivated to do what we are brilliant at Helping you find that perfect business name.

Business Naming = Lexiconical Creativity + Experiential Knowledge Already Registered Business Names

Naming.co.in is an India centric business naming service. We create company/brand names, that have trademarks and .com domain names available to be registered by you. So if you are running out of ideas to name your brand, firm, company or a unique web based business, we are here to serve. We have created brand company names earlier we can do the same for you.

Naming a business We suggest names with available .COMs

The only way to stay ahead of your competitors is to do what they haven t done yet, do it well and supersede them. A business name is the foundation of any business and only a well deserving name should fill that space.

Make sure to finalize a name whose .COM and Trademark are acquirable. Consistency between your official email ID, website, company name, brand name and trademark are a few things that bring trust, reputation and authority on the table. In your journey as an entrepreneur, over the years, you will change the logo of your company (like Pepsi/Coca-Cola did), offices, employees, and everything else, but the name of your business is there to stay.

It is not difficult to register a company in India, the real struggle begins when you have to promote it. In the coming years you would be promoting a name under which you provide your services or products. You don t drink aerated-black-coloured-sugary-cold-drink, you drink Coke or Pepsi.

Experience:

We have named more than 750 businesses/firms/companies/brands. In the past couple of years, while working for our clients across the globe, we have typed 20,00,000+ names in totality. The well researched hand-typed, 400-500 worded report that our clients receive, aptly showcases our expertise.

Coming up with a great company name is not only about creativity but also about availability of the names. The names you present to the Indian Trademark Authority or Registrar of Companies (ROC) might get rejected on several grounds. Hence it becomes imperative to brainstorm only those company names which are available for registration and meet the guidelines.

Company Names:

Every company name has two components a unique component and a descriptive component. We specialize in creation of the unique component of a company name. The unique components of company names suggested by us are pronounceable, relevant, memorable, meaningfully coined and easy to spell. As mentioned earlier, the unique names that we suggest also have .COM domain names and trademark, available to be registered.





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    For retailers, we can create monetized merchandise, getting people to pay you to advertise your brand. And in addition to our in-house naming services, our talent network spans far beyond our own branding agency it s our pleasure to hook up our clients with the best identity and package designers, brand-strategists, trademark attorneys, domain purchasing super sleuths, and website designers.

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  • Amazon is buying Whole Foods for $13, buying a business.#Buying #a #business

    Amazon is buying Whole Foods for $13.7 billion

    Buying a business

    Amazon is making a big bet on physical stores and the business of food.

    The online retail giant announced Friday that is buying organic grocery chain Whole Foods ( WFM ) for $13.7 billion in cash. The deal values Whole Foods at $42 a share, 27% higher than where the stock was trading Thursday.

    Amazon ( AMZN , Tech30) said Whole Foods stores will continue operating under that name as a separate unit of the company. Whole Foods CEO John Mackey will stay on to lead Whole Foods, which will keep its headquarters in Austin, Texas.

    The deal shows Amazon’s interest in moving into the business of operating traditional brick-and-mortar stores, even as many retailers that have been crippled by Amazon’s growth have announced a series of store closings.

    It also shows Amazon’s growing interest in groceries. The company has its own delivery service, AmazonFresh, and is experimenting with a “click and collect” model, letting customers buy groceries online, then pick them up in person.

    The supermarket business, like many other parts of retail, has been hit hard by increased competition from Amazon itself, as well as Walmart ( WMT ) .

    Grocery giant Kroger ( KR ) said Thursday that its profits for the year would be lower than Wall Street expected, sending its stock plunging nearly 20%.

    Then Kroger’s stock plummeted 13% further on Friday after the Amazon-Whole Foods detail was announced.

    Shares of other retailers with a big presence in groceries, such as Target ( TGT ) , Costco ( COST ) , SuperValu ( SVU ) and Sprouts ( SFM ) , plunged as well.

    And Walmart was down 5%, despite announcing another online commerce deal of its own Friday. It bought men’s apparel company Bonobos.

    But Amazon’s stock rose 3% on the news. Investors don’t seem too concerned by how much the company is spending. A warning of a possible credit downgrade by ratings agency S P Global Ratings didn’t hurt Amazon either.

    S P said that Amazon may need to take on more debt as a result of the acquisition. But Amazon finished the first quarter with $21.5 billion in cash and securities on its balance sheet — and only $7.7 billion in long-term debt.

    Amazon’s deal for Whole Foods also further demonstrates the financial might of the Jeff Bezos-led company, whose market value is greater than that of the 12 largest traditional general retailers combined.

    “Millions of people love Whole Foods Market because they offer the best natural and organic foods, and they make it fun to eat healthy,” said Bezos.

    Whole Foods, founded in 1978, is widely credited with helping to make organic food go mainstream. The company now has about 87,000 employees and more than 460 stores — mostly in the U.S. But Whole Foods has also expanded to Canada and the U.K.

    The company has been moving aggressively in big cities, targeting millennial shoppers with a store format called 365 by Whole Foods Market that, like rival Trader Joe’s, has lower prices than the ones found at core Whole Foods stores.

    High prices, of course, have been a problem for Whole Foods. The company is often derisively referred to as Whole Paycheck since the company charges a pretty penny for spelt and quinoa.

    The company was accused of overcharging customers by regulators in New York City in 2015 and that had a huge negative impact on Whole Foods. Sales plunged for several quarters.

    And the company became the butt of jokes by late-night comedians. HBO’s John Oliver did a savage skit about the company’s high prices. (HBO, like CNNMoney, is owned by Time Warner.)

    Oliver ran a mock commercial showing, among other things, a block of ice with an avocado balanced on top for $25.99, a pomegranate that listened to NPR for $64.99, and tilapia wearing yoga pants for $84.99.

    Mackey eventually wound up apologizing to customers. But the damage was done.

    Sales growth at Whole Foods has slowed and profits have yet to return to levels before the price scandal. That may be one reason why Whole Foods was willing to sell to Amazon.

    It will be interesting to see if Amazon — which has a reputation for keeping prices low — will turn Whole Foods into more of a bargain retailer as well.

    It’s also worth noting that Whole Foods stock did not move much higher than $42 on Friday — the price that Amazon agreed to pay. That could be a sign that Wall Street does not expect a bidding war for the company that would push the sale price higher.

    So it looks like Bezos will inherit the bad PR baggage that comes with Whole Foods. I wonder if it’s too soon for people to ask Alexa where they can find stalks of asparagus in a bottle of water for $6.





    Small business invoicing, accounting and more—Wave, running a small business.#Running #a #small

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    Track your expenses, send invoices, get paid and balance your books with Wave.

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    Accept credit cards to get paid faster. Most invoices paid by credit card get paid in 2 days or less. You and your customers will love the convenience. Accept credit cards and bank payments to get paid faster. Most invoices paid online get paid in 2 days or less. You and your customers will love the convenience.

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    Take away the stress of payroll taxes and calculations. Pay your team effortlessly, with guaranteed accuracy. Use direct deposit and online pay stubs to save you the run-around, and make your team happier, too.

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    Wave’s services are pay-as-you-go.

    Credit Card Processing and Payroll Payment Processing and Payroll are priced right for small businesses and entrepreneurs. Use what you need, only pay for what you use, with no surprises.

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    These are the answers that our support team tell new customers everyday.

    Yes really, no tricks! Our software is 100% free, no trials, no limitations and no hidden fees. Use it as much as you want, for as long as you want, we won’t charge a cent. Our free software includes invoicing, accounting and receipt scanning.

    Wave makes money from financial services that make running your business faster. We offer payroll services in Canada and the U.S. at a super affordable price. We also allow businesses to accept payments online so you can get invoices paid fast; we charge a competitive 2.9% + 30¢ fee to process credit cards, and 1% for bank payments (where available).

    Yes! We’re ready to answer all your questions with email support for all software (invoicing, accounting and receipt scanning). Live chat support is available for our financial services (Payments, Payroll and Lending).

    Completely safe. Our servers are protected physically and electronically. Any connection between you, and Wave is protected by 256-bit SSL encryption. Wave is a PCI-DSS Level 1 Service Provider.

    We’ve got staying power. Wave has served over 2.7 million customers and tracked over $180 billion in income expenses since 2010.

    Wave is 100% web-based, so you just need an internet connection and browser.

    You can, however, download and install our mobile invoicing and receipt scanning apps for iOS and Android.

    Put your wallet away, you won’t need to enter in any credit card ever, unless you want to use our payroll service. Just create your account and get started for free.





    A Start-Up Slump Is a Drag on the Economy, how to start

    The New York Times

    How to start a business

    Graphic | A Long Start-Up Slump

    September 20, 2017

    Unemployment has fallen, and the stock market has soared. So why has the economic expansion since the recession been so tame, with sluggish productivity and, at least until recently, anemic wage growth?

    Economists say the answer, to some degree, can be found in a start-up slump — a decline in the creation of new businesses — and a growing understanding of what’s behind it.

    A total of 414,000 businesses were formed in 2015, the latest year surveyed, the Census Bureau reported Wednesday. It was a slight increase from the previous year, but well below the 558,000 companies given birth in 2006, the year before the recession set in.

    “We’re still in a start-up funk,” said Robert Litan, an economist and antitrust lawyer who has studied the issue. “Obviously the recession had a lot to do with it, but then you’re left with the conundrum: Why hasn’t there been any recovery?”

    Many economists say the answer could lie in the rising power of the biggest corporations, which they argue is stifling entrepreneurship by making it easier for incumbent businesses to swat away challengers — or else to swallow them before they become a serious threat.

    “You’ve got rising market power,” said Marshall Steinbaum, an economist at the Roosevelt Institute, a liberal think tank. “In general, that makes it hard for new businesses to compete with incumbents. Market power is the story that explains everything.”

    That argument comes at a potent political moment. Populists on both the left and right have responded to growing public unease about the corporate giants that increasingly dominate their online and offline lives. Polling data from Gallup and other organizations shows a long-running decline in confidence in banks and other big businesses — a concern not likely to abate after high-profile data breaches at Equifax and other companies.

    The start-up slump has far-reaching implications. Small businesses in general are often cited as an exemplar of economic dynamism. But it is start-ups — and particularly the small subset of companies that grow quickly — that are key drivers of job creation and innovation, and have historically been a ladder into the middle class for less-educated workers and immigrants.

    Perhaps most significant, start-ups play a critical role in making the economy as a whole more productive, as they invent new products and approaches, forcing existing businesses to compete or fall by the wayside.

    “Across the decades, young companies are really the heavy hitters and the consistent hitters in terms of job creation,” said Arnobio Morelix, an economist at the Kauffman Foundation, a nonprofit in Kansas City, Mo., that studies and promotes entrepreneurship.

    The start-up decline might defy expectations in the age of Uber and “Shark Tank.” But however counterintuitive, the trend is backed by multiple data sources and numerous economic studies.

    In 1980, according to the Census Bureau data, roughly one in eight companies had been founded in the past year; by 2015, that ratio had fallen to fewer than one in 12. The downward trend cuts across regions and industries and, at least since 2000, includes even the beating heart of American entrepreneurship, high tech.

    Although the overall slump dates back more than 30 years, economists are most concerned about a more recent trend. In the 1980s and 1990s, the entrepreneurial slowdown was concentrated in sectors such as retail, where corner stores and regional brands were being subsumed by national chains. That trend, though often painful for local communities, wasn’t necessarily a drag on productivity more generally.

    Since about 2000, however, the slowdown has spread to parts of the economy more often associated with high-growth entrepreneurship, including the technology sector. That decline has coincided with a period of weak productivity growth in the United States as a whole, a trend that has in turn been implicated in the patterns of fitful wage gains and sluggish economic growth since the recession. Recent research has suggested that the decline in entrepreneurship, and in other measures of business dynamism, is one cause of the prolonged stagnation in productivity.

    “We’ve got lots of pieces now that say dynamism has gone down a lot since 2000,” said John Haltiwanger, a University of Maryland economist who has done much of the pioneering work in the field. “Start-ups have gone down a lot since 2000, especially in the high-tech sectors, and there are increasingly strong links to productivity.”

    What is behind the decline in entrepreneurship is less clear. Economists and other experts have pointed to a range of possible explanations: The aging of the baby-boom generation has left fewer Americans in their prime business-starting years. The decline of community banks and the collapse of the market for home-equity loans may have made it harder for would-be entrepreneurs to get access to capital. Increased regulation, at both the state and federal levels, may be particularly burdensome for new businesses that lack well-staffed compliance departments. Those and other factors could well play a role, but none can fully explain the decline.

    More recently, economists — especially but not exclusively on the left — have begun pointing the finger at big business, and in particular at the handful of companies that increasingly dominate many industries.

    How to start a business

    Graphic | Big Business, Getting Bigger The share of employees working at large, medium and small companies in the United States.

    The evidence is largely circumstantial: The slump in entrepreneurship has coincided with a period of increasing concentration in nearly every major industry. Research from Mr. Haltiwanger and several co-authors has found that the most productive companies are growing more slowly than in the past, a hint that competitive pressures aren’t forcing companies to react as quickly to new innovations.

    A recent working paper from economists at Princeton and University College London found that American companies are increasingly able to demand prices well above their costs — which according to standard economic theory would lead new companies to enter the market. Yet that isn’t happening.

    “If we’re in an era of excessive profits, in competitive markets we would see record firm entry, but we see the opposite,” said Ian Hathaway, an economist who has studied the issue. That, Mr. Hathaway said, suggests that the market is not truly competitive — that existing companies have found ways to block competitors.

    Experts also point to anecdotal examples that suggest that the rise of big businesses could be squelching competition. YouTube, Instagram and hundreds of lower-profile start-ups chose to sell out to industry heavyweights like Google and Facebook rather than try to take them on directly. The tech giants have likewise been accused of using the power of their platforms to favor their own offerings over those of competitors.

    Most recently, Amazon openly called for a bidding war among cities for its second headquarters — hardly the kind of demand a new start-up could make. Mr. Morelix said the Amazon example was particularly striking.

    “We’re saying that it’s O.K. that they shape how a city charges taxes?” Mr. Morelix said. “And what kind of regulations they have? That should be terrifying to anyone that wants a free market.”

    In Washington, where for years politicians have praised small businesses while catering to big ones, issues of competition and entrepreneurship are increasingly drawing bipartisan attention. Several Republican presidential candidates referred to the start-up slump during last year’s primary campaign. Progressive Democrats such as Senators Elizabeth Warren of Massachusetts and Amy Klobuchar of Minnesota have pushed for stricter enforcement of antitrust rules. In a speech in March, Ms. Klobuchar explicitly tied the struggles of entrepreneurs to rising corporate concentration.

    In July, entrepreneurs achieved a mark of political relevance: their own advocacy group. The newly formed Center for American Entrepreneurship will conduct research on the importance of new businesses to the economy and push for policies aimed at improving the start-up rate. Its founding president, John Dearie, comes from big business — he was most recently the acting head of the Financial Services Forum, which represents big financial institutions.

    “Everybody loves entrepreneurship, but they’re not aware it’s in trouble,” Mr. Dearie said. “If new businesses are the engine of net new job creation, and if new businesses are the engine of innovation, and new business creation is at 30-year lows, that’s a national emergency.”

    Follow Ben Casselman on Twitter: @bencasselman





    How to Start a Rice Dealership Business, Pinoy Bisnes Ideas, how to

    How to Start a Rice Dealership Business

    How to start a businessRice is an important primary staple food in many Asian countries especially in the Philippines. Indicating the high demand for this commodity, planning to put up a rice dealership business in your area is a wise choice. There is already an assurance that this business will succeed because buyers are already there. Of course, in any kind of business, conducting a feasibility study is always a crucial step to take. This will assess the economic viability of your proposed business.

    Here are some important questions to consider before plunging into this kind of business.

    1. Do you have enough capital or budget for your rice dealership business? With at least P60,000 to P100,000 as a starting capital.

    2. Do you want to operate as sole proprietorship or corporation? Business registration guide here.

    3. Do you have a big and safe storage room for the sacks of rice that will be delivered to you?

    4. Do you have a good location for your rice dealership business? Research the area of your target market, the flow of traffic and their buying habits.

    5. Do you have lists of rice suppliers in your area? Make sure you have a lists of several suppliers and make a good relationship with them.

    6. Do you have necessary equipments like calibrated weighing scales, rice sacks etc., and a service delivery (optional).

    7. What varieties of rice do you intend to sell? Make sure to have several varieties of rice, so that your customers will have several options.

    8. How will you market your business? This is also an important aspect especially you are new in this kind of business. Make a good marketing strategy and make your business known to your customers. Make a good deal with restaurant owners, hotels, resorts and small carenderias in your place to be their rice supplier.

    Here are Some NFA Rice Dealership FAQ

    Q: Who are required to secure license from NFA?

    A: All persons, natural or juridical, that are engaging or intending to engage in the rice and/or corn business whether commercial or NFA rice/corn.

    A: Before the start in any of the business activity enumerated above, the proprietor or operator should first secure a license from NFA. For those already license, businessmen should renew their annual license on any day within their scheduled month allotted by the NFA

    A: Application may be filed at the NFA office that has jurisdiction over the location of the principal business of the applicant.

    Q: In case we have more than one (1) store/establishment for Rice/Corn business, should all be licensed?

    A: Yes, owner/operator should file a license for all outlets at the NFA office where his principal place of business is located. Additional outlets are treated as branches.

    A: For new applicants, follow these procedures:

    secure application form from the licensing officer upon payment of application fee;

    accomplish and file application with complete requirements to the licensing officer who in turn checks the documents and determines corresponding license fee;

    pay license fee to the cashier and get copy of official receipt;

    prepare the facilities/equipment requirements for inspection by NFA Investigators;

    after inspection of establishments, present notice of inspection to licensing officer, official receipt and proof of compliance with deficiencies, if any;

    licensing officer issues license if application is found to be in order;

    applicants display license in their establishments.

    Procedures for renewal applicants:

    secure application from licensing officer upon payment of application fee;

    accomplish and file application with complete requirements together with previous year s license to the licensing officer;

    licensing officer checks completeness of requirements and determines license fee to be paid;

    pay license fee to the cashier and present the official receipt to licensing officer;

    licensing officer issues renewal sticker and stick it to appropriate portion of the license if application is found to be in order;

    applicants display licensing conspicuous place in their establishments.

    Q: For New Applicants, how long do we have to wait for the Approval of our License Application?

    A: The establishments and facility requirements of new applicants are inspected by NFA Investigators within 20 working days after the filling of their applications. Those inspected are given inspection notices stating the date when they can return to the NFA to show compliance with any deficiency, if any. Otherwise, their notices state the date they can get their license. In all these cases, it should not exceed 20 working days after inspection.

    A: Application fee is P50.00 for a single line activity and P100.00 for two activities or more. License fees depend upon capacity of the post harvest equipment used.

    A: Documentary and facility requirements depend upon the business activity.

    Q: Does the NFA requires only Licensing on Rice/Corn Business Activities?

    A: The NFA also require the registration of the following facilities aside from the license on the activities mentioned earlier list.

    motor vehicles used or intended to be used in transport/hauling of palay/ rice/corn whether for exclusive use or for hire except public utility vehicles franchised by proper government agencies not principally used for transporting rice/palay/corn;

    warehouses,threshers and sellers for own produce;

    mechanical dryers for owner s/operators exclusive use;

    packaging machines for owner s/operators exclusive use;

    institutions/establishments securing their rice/corn requirements from the NFA;

    poultry and hog raisers securing byproducts from the NFA;

    manufacturers/importers/dealers and distributors of rice/corn post-harvest facilities;

    non-operating mills and other post-harvest facilities. In this case, registration is done only once.

    Registration is done at the office of the NFA that has jurisdiction over the location of the principal business of the applicant.

    Registration fees see separate from that of the license fees.

    Q: In the event that I discontinue my business, what should I do with my License/Registration Certificate?

    A: Surrender your license/registration certificate to the NFA office that issued it together with a written notice of discontinuance.

    Otherwise, in case you reapply, you would be charged with the fees for the entire period that you have not applied for renewal.

    Q: What do you mean by Bonded Activities?

    A: Bonded activities mean third party stocks are deposited in your facilities, for storage, milling, threshing, corn shelling or mechanical drying. Operators/owners of facilities accepting third party stocks are required to post a bond as well as fire insurance to safeguard the stocks of the third party.





    Start-Up Chile – Join the leading accelerator in Latin America, start a

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    “Chile needs to take advantage of all the talent and good ideas of its people. As a government we want to democratize entrepreneurship and innovation to be a source of opportunity and equity. With Start-Up Chile, those talented entrepreneurs find financial support, mentoring and networking to boost their business. This allowed Chile to be the best innovation ecosystem in Latam”

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    “Start-Up Chile has positioned the country as the entrepreneurial hub of Latam, creating links with professional from over 100 different countries. Through the creation of an entrepreneurship ecosystem, SUP is encouraging many Chileans be part of this revolution, helping them to develop a sustainable economy for the country “





    Star Wars: The Force Awakens (2015) – Box Office Mojo, opening a

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    Marketing Plan Outline, opening a business.#Opening #a #business

    opening a business

    Opening a business

    Opening a businessOpening a business

    Opening a businessOpening a business

    I. Executive Summary

    A high-level summary of the marketing plan.

    II. The Challenge

    Brief description of product to be marketed and associated goals, such as sales figures and strategic goals.

    III. Situation Analysis

    • Number
    • Type
    • Value drivers
    • Decision process
    • Concentration of customer base for particular products
    • Subsidiaries, joint ventures, and distributors, etc.
    • Political and legal environment
    • Economic environment
    • Social and cultural environment
    • Technological environment

    A SWOT analysis of the business environment can be performed by organizing the environmental factors as follows:

    • The firm’s internal attributes can be classed as strengths and weaknesses.
    • The external environment presents opportunities and threats.

    IV. Market Segmentation

    Present a description of the market segmentation as follows:

    • Description
    • Percent of sales
    • What they want
    • How they use product
    • Support requirements
    • How to reach them
    • Price sensitivity

    V. Alternative Marketing Strategies

    List and discuss the alternatives that were considered before arriving at the recommended strategy. Alternatives might include discontinuing a product, re-branding, positioning as a premium or value product, etc.

    VI. Selected Marketing Strategy

    Discuss why the strategy was selected, then the marketing mix decisions (4 P’s) of product, price, place (distribution), and promotion.

    Product

    The product decisions should consider the product’s advantages and how they will be leveraged. Product decisions should include:

    Price

    Discuss pricing strategy, expected volume, and decisions for the following pricing variables:

    • List price
    • Discounts
    • Bundling
    • Payment terms and financing options
    • Leasing options

    Distribution (Place)

    Decision variables include:

    • Distribution channels, such as direct, retail, distributors & intermediates

  • Motivating the channel – for example, distributor margins

  • Criteria for evaluating distributors

  • Locations
  • Logistics, including transportation, warehousing, and order fulfilment
  • Promotion

    • Advertising, including how much and which media.
    • Public relations
    • Promotional programs
    • Budget; determine break-even point for any additional spending
    • Projected results of the promotional programs

    VII. Short & Long-Term Projections

    The selected strategy’s immediate effects, expected long-term results, and any special actions required to achieve them. This section may include forecasts of revenues and expenses as well as the results of a break-even analysis.

    VIII. Conclusion

    Summarize all of the above.

    Calculations of market size, commissions, profit margins, break-even analyses, etc.

    Bangs, Jr., David H. The Market Planning Guide: Creating a Plan to Successfully Market Your Business, Products, or Service

    Opening a business

    The articles on this website are copyrighted material and may not be reproduced,

    stored on a computer disk, republished on another website, or distributed in any





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    Business Loans

    Loans for starting a business

    A business loan can help you realize your aspirations for your company. Whatever the size of your business, whether you are just starting or you need a cash injection to expand, you might require the extra support of a loan. However, if you are considering a business loan make sure that it is something your business can afford. It is worth comparing as many different business loan offers as possible to ensure that you get the best deal possible. This loan could be the make or break of your business. Work out all of your costs carefully and make sure you are confident that you will be able to make payments on time. Generally speaking the two main types of business loans are either secured or unsecured. It pays to do your research and shop around because you are more likely to find a better deal than just accepting the first loan that you come across. We provide the details for loan suppliers who offer some of the best interest rates in South Africa.

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    Loans for starting a business

    Whether you are just starting up or are already an established business, a business loan can help you reach your goals.

    These types of loans are taken out for people looking for financing for their business. Often getting the right finance is critical to the success of any business.

    Business loans can help you realise your current and future aspirations.

    Whatever the size or type of your business you can find a wide range of loans that can suit your corporate requirements. There are lenders that specialize in finding both short term and long term financial solutions for business owners, regardless of their personal credit history.

    Be prepared to be required to submit a business plan when applying for a loan to provide information to the lenders on the performance and future plans for your business.

    What can a Business Loan be used for?

    Most business loans are taken are in order to expand a business’s earning potential in some way. Business loans are particularly helpful for companies looking to get started. Business loans give businesses instant access to money allowing companies to expand their potential profitability.

    Business loans are used for a range of purposes. It could be that you are looking for new offices or space for your business, you want to purchase business insurance or you need to buy necessary equipment, employ more staff or for promotion for your company.

    Finding the right loan for you and your business

    Whatever your needs it is important that you choose the right business loan to ensure you get the best deal. Make sure you find the lender that offers the most competitive interest rates and a range of loan terms to suit your requirements. Choose a company that understand your specific needs.

    The amount you can borrow will depend on your business and each lender will have its own criteria. The exact amount you can borrow is usually based on the size or type of your business but could also be determined by what you need the money for.

    Watch out for any hidden or upfront fees that might be attached to the loan and always read the terms and conditions thoroughly.

    Business loans can have many flexible aspects so take your time and compare the different loan offers. Use the table above to compare different lenders.

    How to compare business loans quickly and easily

    Searching for a loan that is suitable for you can be a challenging task. That is why our comparison grid will come in helpful so you are able to make an informed decision your you and your company. You are quickly able to compare information such as the provider, representative APR, total amount payable, product and terms and conditions.

    Remember, every time you are refused an application for a loan it could have an effect on your credit rating. Only apply for a loan you are confident you will be accepted for.





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    Business Financing Loans and Options, financing a new business.#Financing #a #new #business

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    Startup Financing – Small Business Funding, financing a new business.#Financing #a #new

    Startup Business Financing

    Financing a new business

    Financing a new business

    Wouldn t you love to have a few million dollars to start your business? Me too! With a great idea and a great business plan, you probably feel almost entitled to get the funding you re seeking.

    The reality, though, is that for most entrepreneurs, you must prove your concept first before anyone will put up that kind of money. But most businesses require some sort of initial capital for things like inventory, marketing, physical facilities, incorporation expenses, etc.

    According to the U.S. Small Business Administration (SBA), While poor management is cited most frequently as the reason businesses fail, inadequate or ill-timed financing is a close second. Sometimes it comes down to simple cash flow–many companies have closed their doors because they just couldn t make it another few months until the money came in.

    When exploring your funding options, there are several factors to consider:

    • Are your needs short-term or long-term? How quickly will you be able to pay back the loan or provide a return on their investment?
    • Is the money for operating expenses or for capital expenditures that will become assets, such as equipment or real estate?
    • Do you need all the money now or in smaller pieces over several months?
    • Are you willing to assume all the risk if your company doesn t succeed, or do you want someone to share the risk?

    The answers to these questions will help you prioritize the many funding options available.

    • Debt financing – You borrow the money and agree to pay it back in a particular time frame at a set interest rate. You owe the money whether your venture succeeds or not. Bank loans are what most people typically think of as debt financing, but we will explore many other options below.

    • Equity financing – You sell partial ownership of your company in exchange for cash. The investors assume all (or most) of the risk–if the company fails, they lose their money. But if it succeeds, they typically make a much greater return on their investment than interest rates. In other words, equity financing is far more expensive if your company is successful, but far less expensive if it isn t.

    Because investors take on a much higher risk than lenders, they are typically far more involved in your company. This can be a mixed blessing. They will likely offer advice and connections to help grow your business. But if their plan is to exit your company in 2-3 years with a substantial return on their investment, and your motivation is the long-term sustainable growth of the company, you may find yourself at odds with them as the company grows. Be careful not to give up too much control of your company.

    Let s take a closer look at the many options available for startups.

    Friends and family are still your best source for both loans and equity deals. They are typically less stringent regarding your credit and their expected return on investment. One caveat: structure the deal with the same legal rigor you would with anyone else or it may create problems down the road when you look for additional financing.

    Prepare a business plan and formal documents–you ll both feel better, and it s good practice for later.

    Credit cards are a great tool for cash flow management, assuming you use them just for that and not for long-term financing. Keep one or two cards with no balance on it and pay it off every month to give yourself a 30 to 60-day float with no interest. And the low introductory rates on some cards make them some of the cheapest money around. Managed well, they re extremely effective; managed poorly, they re extremely expensive.

    Bank loans come in all shapes and sizes, from microloans of a few hundred dollars, typically offered by local community banks, to six-figure loans by major national banks. These are much easier to obtain when backed by assets (home equity or an IRA) or third-party guarantors (e.g., government-sponsored SBA loans or a cosigner).

    If you obtain a line of credit rather than a fixed-amount loan, you don t start paying interest until you actually spend the money.

    Leasing is the way to go if you need big-ticket items such as equipment, vehicles, or even computers. Your supplier will help you explore this.

    Angel investors fill the gap between friends and family and venture capitalists, who now rarely even look at investments below $1 million. Enlist a savvy financial adviser to structure the deal.

    Private lending represents a viable alternative when the bank says no . Private lenders are looking for the same information and will conduct similar due diligence as the banks, but they typically specialize in an industry and are more willing to take on higher-risk loans if they see the potential.

    There are many channels available to you to raise capital. All of the above approaches have numerous variations. Put together a solid business plan, talk to a financial adviser, and just start asking. Someone will eventually say Yes .





    Incorporating Your Business, The U, incorporate a business.#Incorporate #a #business

    Incorporating Your Business

    When you rsquo;re starting a business, one of the first decisions you have to make is the type of business you want to create. A sole proprietorship? A corporation? A limited liability company? This decision is important, because the type of business you create determines the types of applications you rsquo;ll need to submit. You should also research liability implications for personal investments you make into your business, as well as the taxes you will need to pay. It rsquo;s important to understand each business type and select the one that is best suited for your situation and objectives. Keep in mind that you may need to contact several federal agencies, as well as your state business entity registration office. /p

    Here is a list of the most common ways to structure a business. /p

    An S corporation (also referred to as an S corp) is a special type of corporation created through an IRS tax election. An eligible domestic corporation can avoid double taxation (once to the corporation and again to the shareholders) by electing to be treated as an S corporation.

    A partnership is a single business where two or more people share ownership.

    Each partner contributes to all aspects of the business, including money, property, labor or skill. In return, each partner shares in the profits and losses of the business.

    A limited liability company (LLC) is a hybrid type of legal structure that provides the limited liability features of a corporation and the tax efficiencies and operational flexibility of a partnership.

    The “owners” of an LLC are referred to as “members.” Depending on the state, the members can consist of a single individual (one owner), two or more individuals, corporations or other LLCs.

    A corporation (sometimes referred to as a C corporation) is an independent legal entity owned by shareholders. This means that the corporation itself, not the shareholders that own it, is held legally liable for the actions and debts the business incurs.

    Corporations are more complex than other business structures because they tend to have costly administrative fees and complex tax and legal requirements. Because of these issues, corporations are generally suggested for established, larger companies with multiple employees.

    A cooperative is a business or organization owned by and operated for the benefit of those using its services. Profits and earnings generated by the cooperative are distributed among the members, also known as user-owners.

    Typically, an elected board of directors and officers run the cooperative while regular members have voting power to control the direction of the cooperative. Members can become part of the cooperative by purchasing shares, though the amount of shares they hold does not affect the weight of their vote.





    Business – BBC News, how to finance a business.#How #to #finance #a

    Business

    Your biggest financial decision – in charts

    How to finance a business

    Your biggest financial commitment is your home. Here is the story of the last 10 years in 10 charts.

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    Beyond the Bank Loan: 6 Alternative Financing Methods for Startups, financing a

    Beyond the Bank Loan: 6 Alternative Financing Methods for Startups

    Many aspiring entrepreneurs have an idea for their business but lack the capital to actually start it. Brand-new businesses are often turned down for bank loans, and even if your business is established, funds can still be tough to secure. Loans funded by the Small Business Administration are usually more accessible, but they are becoming increasingly competitive.

    So what options are left for someone aspiring to be a small business owner? Here are six options beyond bank loans for financing your startup.

    Online lending

    Online lenders have become a popular alternative to traditional business loans. These platforms have the advantage of speed, as an application takes only about an hour to complete, and the decision and accompanying funds can be issued within days. Because of the ease and quickness of online lending, economist and former U.S. Treasury Secretary Larry Summers said at the 2015 Lend It conference that he expects online lenders to eventually reach more than 70 percent of small businesses.

    Editor s note: Are you considering a small business loan for your business? If you re looking for information to help you choose the one that s right for you, use the questionnaire below to have our sister site BuyerZone provide you with information from a variety of vendors for free:

    Angel investors

    Angel investors invest in early-stage or startup companies in exchange for a 20 to 25 percent return on their investment. They have helped to start up many prominent companies, including Google and Costco. Mark DiSalvo, CEO of private equity fund provider Semaphore said, You are likely to get an investor who has strategic experience, so they can provide tactical benefit to the company they are investing in.

    Find out what makes angel investors fund a business here.

    Venture capitalists

    Venture capital is money that is given to help build new startups that are considered to have both high-growth and high-risk potential. Fast-growth companies with an exit strategy already in place can gain up to tens of millions of dollars that can be used to invest, network and grow their company frequently.

    Brian Haughey, assistant professor of finance and director of the investment center at Marist College, said that because venture capitalists focus on specific industries, they can generally offer advice to entrepreneurs on whether the product will be successful or what they need to do to bring it to market. However, venture capitalists have a short leash when it comes to company loyalty and often look to recover their investment within a three- to five-year time window, he said.

    Learn more about venture capital here.

    Factoring/invoice advances

    Through this process, a service provider will front you the money on invoices that have been billed out, which you then pay back once the customer has settled the bill. This way, the business can grow by providing the funds necessary to keep it going while waiting for customers to pay for outstanding invoices.

    Eyal Shinar, CEO of small business cash flow management company Fundbox, says these advances allow companies to close the pay gap between billed work and payments to suppliers and contractors.

    By closing the pay gap, companies can accept new projects more quickly, Shinar told Business News Daily. Our goal is to help business owners grow their businesses and hire new workers by ensuring steady cash flow.

    Visit BND s guide to choosing a factoring service here.

    Crowdfunding

    Crowdfunding on sites such as Kickstarter and Indiegogo can give a boost to financing a small business. These sites allow businesses to pool small investments from a number of investors instead of having to look for a single investment.

    Make sure to read the fine print of different crowdfunding sites before making your choice, as some sites have payment-processing fees, or require businesses to raise their full stated goal in order to keep any of the money raised.

    Check out some emerging trends in crowdfunding here.

    Grants

    Businesses focused on science or research may be able to get grants from the government. The SBA offers grants through the Small Business Innovation Research (SBIR) and Small Business Technology Transfer (STTR) programs. Recipients of these grants are required to meet federal research-and-development goals, and have a high potential for commercialization.

    Learn more about applying for a small business grant here.

    Additional reporting by Katherine Arline and Nicole Taylor. Some source interviews were conducted for a previous version of this article.

    Jennifer Post graduated from Rowan University in 2012 with a Bachelor s Degree in Journalism. Having worked in the food industry, print and online journalism, and marketing, she is now a freelance contributor for Business News Daily. When she s not working, you will find her exploring her current town of Cape May, NJ or binge watching Pretty Little Liars for the 700th time.





    Top 10 Questions About Small Business Incorporation Answered, The U, incorporating a

    Top 10 Questions About Small Business Incorporation Answered

    Thinking of incorporating your business? Have questions about which business entity is right for you – limited liability company (LLC), S Corporation, partnership, or sole proprietor? Maybe you’re moving out of state and aren’t sure what happens to your business entity? For answers to these and other important facts about business incorporation, check out these 10 frequently asked questions:

    What’s the best option for small business owners, an LLC or an S Corporation?

    LLCs and S Corporations are two very popular forms of incorporation, and both offer liability protection and pass-through income tax treatment for business owners, since taxes are reported on your personal income tax return, not by the entity. Which is best for you? Among the issues to consider are the number of owners involved, what you can and cannot write-off for tax purposes, the amount of employment tax you may be required to pay, and individual state tax laws. To help you decide, read The Better Choice for Entity Selection: LLC or S Corporation?

    I’m a freelancer. Do I need to incorporate?

    Legally, the answer is no. In fact, over 70 percent of U.S. businesses are owned by sole proprietors and operate successfully without incorporating. However if you need liability protection to protect personal assets if a client sues you, potential tax savings (at a price), or a loan to grow your business in the future, then incorporation might benefit you.

    Which state should I incorporate in?

    Typically, if you only operate in one state, you should incorporate in that state. If you operate in multiple states, you should determine which state is the friendliest to corporations and incorporate in that state. Read more in How to Choose the Best Location for your Business. File your articles of incorporation in the state where you intend to incorporate – usually with the Secretary of State’s office and for a fee, depending on where you live. Check your state website for more information.

    I’m forming an LLC. What documents do I need?

    Each state has specific guidelines for forming an LLC, but they all adhere to the same general principles (explained on SBA.gov here). Whichever method you choose and no matter where your LLC is formed, you’ll need to complete two specific documents to legally form your LLC: your Articles of Organization and your Operating Agreement. Check this blog for a quick overview of what you need to know about these key documents.

    How do I form a legal business partnership?

    Partnerships are unincorporated businesses and you don’t have to file any paperwork to create one, although it is a good idea to put a formal partnership agreement into writing and run it past an attorney. You’ll also need to register it with the IRS and your state and county for tax purposes, and you’ll want to register your “Doing Business As” name. Many partnerships formalize their business entity as an LLC. An LLC protects the partners by reducing their liability for business debts while still allowing profits to pass through to them.

    What kind of legal entity should a married couple in business operate as?

    Married couples in business may form any kind of legal entity they choose and many opt for an LLC. However, for federal tax purposes, an unincorporated business jointly owned by a married couple is classified as a partnership. This classification stands on the assumption that each spouse has an equal say and share of business affairs. However, eligible couples can file as sole proprietors for federal tax purposes. Under this provision, each spouse must separately report a share of all business income, gains, losses, deductions, and credits. Both will receive credit for Social Security and Medicare.

    To be considered a “qualified joint venture,” your business must meet the following three conditions:

    • A husband and wife must be the only members of the joint venture and file a joint return
    • Each spouse materially participates in the business
    • Both spouses agree not to be treated as a partnership

    I operate an LLC. What happens if I move to another state?

    It’s always best to consult an attorney if you are moving your LLC to a new state because there are several options that require careful consideration, for both online and bricks and mortar businesses:

    1. Continue the LLC in your old state and register as a foreign (out of state) LLC in your new state. This will mean more paperwork (duplicate annual reports) and tax filing. Reporting for multi-member LLCs can get more complex.
    2. Liquidate the old LLC and form an LLC in your new state.
    3. Register a new LLC in the new state and have each member transfer membership interest (percent ownership) from the old LLC to the new LLC in the new state.
    4. Form a new LLC in your new state and merge the previous LLC into it. The IRS views this as a continuation of the old LLC and you can continue with your existing EIN. Assuming LLC members still have a 50 percent interest in the capital and profits of the new LLC, there are no tax consequences either.

    How do I pay myself in an LLC structure?

    It depends on the circumstances. It’s always recommended that you consult a tax professional. If you are a single-member LLC, the practicalities of payment and taxation are relatively straightforward because the IRS requires that your earnings are reported on your own personal tax return. Open a separate business and personal checking account (merging them just exposes your personal assets to liability), and pay yourself by writing a check from your business account to your personal account. Remember that all your business expenses should be paid from your business checking account. If you are a multi-member LLC, your situation is likely unique to your business, so your best advice is to talk to an accountant.

    What happens if I change the name of my business?

    All business types, except sole proprietors, should first notify their Secretary of State to change names in their articles of incorporation. States have online forms for this and usually charge a small fee. You’ll find out whether your new name is already in use in your state by another corporation or partnership. You can do this via online state databases of registered business names and fictitious names.

    Where can I get more information online about business incorporation?

    For more information check out SBA’s Small Business Guide to Business Incorporation or post your question below.

    About the Author:

    Incorporating a business





    How to get a business loan, options & requirements, Business Victoria, applying

    Apply for a business loan

    Not what you’re looking for?

    • Choosing a loan you need
    • Improve your loan approval chances
    • Risk assessment

    When applying for a business loan, it’s essential to prepare a detailed business plan and fully inform the lender about your proposed venture. This information helps the lender to provide you with the right type of finance and advice.

    Deciding that your business needs a loan is only the first step. There are a number of things to consider before you approach a lender:

    • how much do you need to borrow?
    • what type of loan will you need?
    • how long will you need it for?
    • can the business afford to repay the loan, interest and any one-off or ongoing fees that come with the loan
    • what security can you offer the lender and how this affects the interest rate offered.

    Online repayment calculators are a good tool in researching options but make sure you take the following into account:

    Access to funds you borrow

    If you need to access the funds on a semi regular basis to help with cash flow to keep the business operating while waiting for your customers to pay for goods, ‘at call’ loans such as an overdraft or line of credit are designed for this purpose. However, if you need the funds to buy a new business or equipment to expand your existing business you will need the funds ‘upfront’. This is also known as a ‘fully drawn advance’ and provides you with the entire loan amount all at once.

    Loan terms

    Loans provided upfront will need a portion of the loan plus interest paid back at regular intervals. The repayment amount will depend on the term or length of the loan. To determine the loan term suitable for your business you will need to calculate how much you can afford to service the loan. Be aware that the longer the loan term the more total interest you will pay. Loans that are at call have no fixed terms.

    Ongoing funding

    This is the average amount of an overdraft or line of credit that is used at any one time. For example, you may wish to have an overdraft limit of $20,000 to provide money for the occasional big expense, but usually you won’t use more than $5000 of that credit limit on average. So in this case $5,000 is the level of ongoing funding you need.

    When applying for an overdraft limit, things to watch out for are:

    • higher the overdraft amount higher the fees
    • clauses where the lender can demand repayment of the whole loan at any time.

    Fixed or variable interest rate

    The choice of rate will affect the stability of repayments, overall cost of the loan and the loan features available. With a fixed rate loan the lender bears the risk of interest rate moves, while with a variable rate you will bear this risk. Ultimately, the choice of variable or fixed rates will depend upon how much free cash flow your business generates after you have paid all your expenses, including loan repayments. If your business has a low profit level, a variable rate loan repayment may rise beyond your ability to pay.

    Loan security

    Loans can be secured or unsecured by various types of assets, including residential, commercial, rural property or business assets. Alternatively, some loans are unsecured by any asset. Generally the less you provide for security the higher the interest rate will be. Be aware the lender has the legal right to seize any property or asset you offer as security if you can’t repay a loan on time.

    There can be fees which can make a loan less attractive than it first seems. These include one-off fees such as establishment/application fees, exit/discharge fees and early termination fees or regular fees such as service fees or line/credit advance fees. The Business Loan Finder tool includes the cost of set-up and ongoing fees in the average monthly repayment to give you a better idea of the true cost of the loan.

    Seek advice

    The information provided here will provide you with a range of possible finance options. It is important to seek advice from your accountant or business advisers before approaching a lender for a loan.

    Tip: Use our below Cashflow forecasting template to plan your cash flow and work out how much you need to lend.

    Plan the business, plan the finance

    Lenders will ask for a lot of in-depth information about the financial history of the business. It’s also important for you to create a convincing and detailed business plan which should include a profit and loss budget and cash flow forecast. The information you use to build your business plan may also be needed by the lender to assess your project. This includes both the past and future plans for your business, the people working in it and the market itself.

    The outcome of your application is strongly influenced by how well your proposal is researched and how well it is presented.

    Risk assessment

    Banks and other lenders will look at your business’s risk profile when considering your loan application. Understanding what lenders look for and what they consider risky will help you present your business in a favourable manner.

    As a general rule, lenders look for:

    • the level and nature of your security (what you’re offering to give them if you can’t repay the loan)
    • your ability to make regular loan repayments (cash flow risk)
    • your ability to ultimately repay the debt (business risk), including any other debts you might already have.

    You need to be able to assess the level of cash flow or business risk in your specific circumstances. A projection of the cash requirements of the business is most important to a lender, as it is the actual cash left after expenses that will repay the loan, not income. It also shows you are an effective manager.

    A lender’s perception of risk

    The following factors can influence your lender’s perception of risk. If a number of these areas apply to you and your business you may need to consider another source of finance.

    • start up businesses incorporate financial, business and management risk
    • lack of security
    • lack of business history
    • industry sector, factors will include levels of competition, barriers to entry, profitability profile and current economic conditions
    • highly seasonal businesses, for example swimwear and agriculture. You’ll need to demonstrate how you’ll deal with cash flow pressures in the off season
    • lack of planning, market knowledge and finance skills
    • poor credit history.

    Watch out! Before entering into a payment arrangement with the Tax Office, businesses should discuss this with their current or future lenders. Many businesses are unaware that entering into a payment arrangement with the Tax Office or other government agencies may adversely affect their current and future financing arrangements. For instance, a lender may not lend to a business if it is currently in a payment arrangement.

    For more details visit the Guide to managing your tax debt on the ATO website.





    Government Small Business Loans, loans for a business.#Loans #for #a #business

    Government Small Business Loans

    Government small business loans help put your own business within reach. First there’s the quest for a decent location, then comes building a customer base, followed by all the initial hiccups of generating a cash flow before your business grows roots and gains momentum. The beginning of a business is crucial because it’s when you gain or lose market credibility. If you disappoint your customers, they may not give you a second chance. If your business gets off to a rocky start (most do), and you believe you can recover but need further financing to make this happen, you can apply for government small business loans.

    For-profit lenders are reluctant to issue loans to anyone who does not have a strong credit report and financial history. That is not the case with government small business loans. Obviously, a decent credit report is important, and you will have to follow the guidelines regarding the repayment period and the interest rate set by the government, but usually the interest rates charged by government loans are lower than those you could expect in the private sector.

    More about Government Small Business Loans

    Government loans are typically offered through banks and credit unions that partner with the Small Business Administration (SBA). The SBA is a U.S. government body, with the motive of providing support for small businesses and entrepreneurs. For each loan authorized, a government-backed guarantee offers serious credibility, since the lender knows that even if you default, the government will pay off the balance. These loans can be applied to a number of uses, such as:

    • Purchase of new equipment, machinery, parts, supplies, etc.
    • Financing leasehold improvements
    • Commercial mortgage on buildings
    • Refinance existing debt
    • Establishing a line of credit

    Government small business loans benefit both small businesses and the lending agency. For small businesses, it is beneficial because this is money capital they may not have access too. For banks, the loan’s risk is decreased due to the loan being backed by the SBA.

    Different SBA Government Loans

    The SBA extends financial help through various lending programs it has to offer. Some of the more popular loans are:

    • 7(a) Loan Guarantee Program: aimed primarily in helping a small business start or expand its services. The maximum size of such a loan is $5 million.
    • MicroLoan Program: mostly used for short-term purposes, such as purchase of goods, office furniture, transportation, computers, etc. The maximum amount is fixed at $50,000.
    • 504 Fixed Asset Program: featuring fixed-rate and long-term financing, these loans are aimed at applicants whose business model will benefit their community directly, either by providing jobs or bringing needed services to an underserved area. Again, the maximum amount is $5 million.
    • Disaster Assistance: under this program, loans are sanctioned to renters or homeowners with a low-interest, long-term plan for the restoration of property to its pre-disaster condition.

    In most cases, maintaining a good business credit report is enough to qualify. In addition, it instills confidence not only in the lender, but also in you. There is at least one SBA office in every state in America. If you contact them regarding the startup status of your business model and plan, you can get started on a government small business loan that will give you the financing to make your dreams a reality.





    Small-Business Loans – 3 ways to get a loan, getting a business

    3 ways to get a small-business loan

    The recovering economic environment has meant that small businesses have had to be more creative when looking for loans.

    However, companies with sound business strategies still can borrow. Options include loans from traditional banks and institutions affiliated with the Small Business Administration, as well as financing from Internet-based lenders.

    “For creditworthy, high-scoring small businesses, there is money available,” says George Cloutier, CEO of American Management Services, a consultant to small businesses.

    Bank loans

    The best place to get a small-business loan is still a bank, says Cloutier. Banks typically offer the lowest interest rates and many have established reputations as trustworthy lenders.

    “Many small businesses try three or four banks and then stop looking,” Cloutier says. A more persistent approach has better odds of success.

    Calculate business loan payment

    Want to calculate your small-business loan payment? Go to Bankrate’s loan and amortization calculator.

    “Take out the phone book, target 10 banks and work through that list,” he says.

    That strategy worked for Michael McKean. He is founder of The Knowland Group, a company that helps hotels fill up their meeting space.

    A few years ago, as the success of The Knowland Group grew, McKean began searching for a bank that would give the growing company expanded access to credit.

    “We talked to every bank in our area, at least a dozen,” McKean says. “Many came back with proposals, but the terms were very onerous. Or sometimes they shifted terms.”

    Finally, M T Bank came through.

    “They just wanted to get our business,” McKean says.

    McKean says his company did not approach M T any differently than it had approached the other banks. It was just a matter of being persistent until the right deal came along, he says.

    “We did everything right, approaching the right person at each bank,” he says. “We’re a profitable business. I think it was just the … credit crunch that prevented us from getting a loan.”

    Cloutier says the key to success with banks is to show past profitability, and to describe a well thought-out plan for future profits.

    “If you aren’t making a profit now, you must be able to tell the bank how you will change that in the short term, or you really won’t be able to get a loan,” he says.

    He also recommends that businesses start small in their loan requests.

    “If you need money for four trucks, ask for two,” Cloutier says. “The bigger the loan request, the harder it is to get it approved.”

    SBA loans

    Another way to find a bank loan is through the Small Business Administration, or SBA. The SBA can direct you to banks that offer loans guaranteed by the agency. This way, you’ll have the advantage of approaching banks specifically interested in lending to small businesses.

    Interested businesses should contact the SBA office nearest to them, which can be found on the agency’s website. Jeanne Hulit, the SBA’s acting administrator, urges businesses to seek a bank that is an experienced SBA lender.

    Banks granting SBA loans place increased emphasis on business plans, cash flow and profit forecasts in deciding whether to lend, she says. The SBA also can refer businesses to free counseling centers to improve their performance.

    Online opportunities

    Another source for loans is the Internet. There are several sites where businesses can seek alternative lenders, such as individuals and small companies.

    Interest rates are generally a little higher than what a bank will charge, but it’s much less than what you’ll have to pay on many credit cards.

    Look around at different sites, some may charge a one-time fee to list your business, while others are free to list but might have fees reflected in loan rates.

    If you’re going to list your company on one of these sites, describe your business in clear and concise language.

    Lastly, make sure to investigate the company you are looking to post your business on. These kinds of companies were successful in 2008 and during the recession, but times have changed. Many have since gone out of business. Before paying for anything, make sure the company is legit.





    5 things to do before you apply for a small business loan,

    5 things to do before you apply for a small business loan

    Obtaining a loan is notoriously difficult for small businesses, but there are ways to improve the appeal of your loan application.

    Borrowing funds is just one of the ways small businesses can generate capital, and indeed it is a common practice. According to APRA’s Monthly Banking Statistics report, lenders in Australia had a hefty $588.9 billion worth of loans and advances on their books to non-financial corporations as of April 2015.

    For small businesses, though, obtaining a loan can be difficult – but it is far from impossible. Instead of counterproductively applying for loans left, right and centre in the hope one is approved, check your readiness to borrow funds using these five tips to boost your chances of success.

    1. Check your credit-history report

    Check your credit report to examine the credit details held on file about your business and yourself as a company director. Familiarising yourself with this information places you in a better negotiating position with potential lenders, and allows you to clear up any incorrect defaults that may hold you back from obtaining finance.

    2. Research the best rates

    Being eligible for a loan is one thing, but consider how those loan repayments will influence your ongoing cash flow. Research which lenders offer the best rates to small businesses, then target your application according to their lending criteria. Knowing what rates are available on the open market also gives you better bargaining power to further reduce your rate.

    Determine exactly why you need to borrow funds, how you intend to repay the loan and what the money will be used for. Your accountant or financial advisor will be able to suggest alternative means of raising capital that may work better for your business, or help you identify the most appropriate loan products, as well as keep your operating finances in good health.

    4. Get your documentation together

    Once you know which lender you want to approach and why you need the funds, build a dossier of relevant documentation as evidence to support your application. Include everything from banking statements and invoices through to your business plan, forward revenue projections, product prototype designs, business insurance policy details and competitor analysis.

    Use everything you have gathered from the points above to really sell yourself and your business.

    What makes you stand out from your competitors?

    Why should a lender loan you money?

    How do you intend to repay the funds?

    What deposit or assets will you use as security against a loan?

    Exactly what will the funds be used for?

    Who are your intended customers?

    Just like setting up a business, applying for a business loan is a process best approached with as much information as possible. Should your application still be declined, consider the steps outlined by business.gov.au for how to manage a loan refusal.

    Information may be abridged and therefore incomplete. This document/information does not constitute, and should not be considered a substitute for, legal or financial advice. Each financial situation is different, the advice provided is intended to be general. Please contact your financial or legal advisors for information specific to your situation.





    Getting A Business Loan – Payday Loans Online, getting a business loan.#Getting

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    Business loan application, Westpac, apply for a business loan.#Apply #for #a #business

    Can I ensure my business loan application is accepted?

    Whether you’re considering a business loan now or in the future, it makes good business sense to know what criteria a bank looks for when assessing your business loan application and what you can do to improve the likelihood of being accepted.

    Assessing your business loan application

    When assessing your business loan, we’ll ask you:

    • Can you afford the business loan?

    We’ll need your financials for the last 2 years including balance sheets, profit and loss and tax returns. Having access to this historical information helps us determine whether your business can meet your future loan repayments.

  • Can you provide security for your loan?

    You’ll need to secure your business loan with an asset, usually property (residential, commercial or rural) depending on the type of business. Find out what you can use as security for your business loan.

  • Will you be able to continue making repayments?

    We’ll evaluate your business by looking at your plans, competitor activity, suppliers and business contracts to determine whether your business will have enough revenue to meet your repayments in future.

  • What if you’re starting a new business?

    If you’re starting a business, you won’t have historical financial statements but you will need to provide a detailed business plan with profit and loss forecasting to support your business loan application.

    How to strengthen your business loan application?

    Improve your future borrowing potential by taking some basic steps today:

    • Maintain accurate, up to date financials. This provides a clear understanding of your business income and whether you can afford the business loan.
    • Make sure you have enough money to cover costs. If you have an existing business loan don’t overdraw your account and make consistent additional repayments when possible.
    • Maintain a good credit history by paying off your debts on time. All your credit activity (personal and business) is kept on file for 5 years – including your loan details, repayments, overdue accounts – and lenders use this information to assess whether you’re credit worthy

    If you’d like to discuss your options with a business manager, complete our short enquiry form and we’ll contact you or call us on 132 142 (8am-8pm, Mon – Fri).





    Small Business Loans, TD Canada Trust, apply for a business loan.#Apply #for

    Small Business Loan

    7:00 a.m. – 12:00 a.m. EST

    Ways To Apply

    Or, to begin an application, call our Small Business Advice Centre at 1-866-222-3456

    7:00 a.m. – 12:00 a.m. EST, 7 days a week

    Small Business Loans

    Apply for a business loan

    Available Fixed or Floating Interest Rates for Small Business Loans

    Flexible Business Loan Payment Options

    A Business Loan 1 can help you purchase or upgrade business assets, or help with your expansion plans. The choice is yours.

    Secured or unsecured options

    • Available as an unsecured loan 2 in amounts from $10,000 to $50,000
    • Also available as an asset secured loan in amounts from $10,000 to $1,250,000. Flexible security options 3 include:
      • Business real estate
      • Residential real estate (full or partial)
      • Liquid or margin security (full or partial)
      • Business assets

    Flexible payment options

    • Choice of 1 to 5 year fixed-rate terms
    • Amortization up to 20 years, based upon the useful life of the asset financed

    Fixed or floating interest rates available

    • Floating interest rate options based on TD Prime Rate with no prepayment penalties.
    • Fixed interest rate options available with the flexibility to make 10% principal prepayments annually without penalty.
    • No review fees.
    • Set-up fees may apply.

    Protection for your Business Loan

    Business Credit Life Insurance can help meet the financial obligations of your business should a person who is key to the success of your business die or suffer a covered accident. Get the coverage your business needs.

    Multi-unit property mortgages

    We can help you build a customized mortgage for multi-unit residential properties (5+ units).

    Expand Let’s continue the conversation

    Find an Account Manager, Small Business

    Talk to an Account Manager about

    your business needs.

    Visit us in person

    Talk to Us

    1 Subject to complying with TD Canada Trust lending policies and criteria including confirmation of good personal credit history. Certain business documentation is required. Other conditions may apply. Set-up fees may apply. Personal guarantee(s) may be required.

    Services
    Support
    Ways to Bank
    Contact Us
    • Contact an Account Manager, Small Business
    • Branch Locator
    • Contact a Regional Agriculture Specialist
    • Talk to Us: 1-866-222-3456

    Apply for a business loan





    Financing For Small Business – Payday Loans Online, financing a small business.#Financing

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  • Amazon is buying Whole Foods for $13, buying a business.#Buying #a #business

    Amazon is buying Whole Foods for $13.7 billion

    Buying a business

    Amazon is making a big bet on physical stores and the business of food.

    The online retail giant announced Friday that is buying organic grocery chain Whole Foods ( WFM ) for $13.7 billion in cash. The deal values Whole Foods at $42 a share, 27% higher than where the stock was trading Thursday.

    Amazon ( AMZN , Tech30) said Whole Foods stores will continue operating under that name as a separate unit of the company. Whole Foods CEO John Mackey will stay on to lead Whole Foods, which will keep its headquarters in Austin, Texas.

    The deal shows Amazon’s interest in moving into the business of operating traditional brick-and-mortar stores, even as many retailers that have been crippled by Amazon’s growth have announced a series of store closings.

    It also shows Amazon’s growing interest in groceries. The company has its own delivery service, AmazonFresh, and is experimenting with a “click and collect” model, letting customers buy groceries online, then pick them up in person.

    The supermarket business, like many other parts of retail, has been hit hard by increased competition from Amazon itself, as well as Walmart ( WMT ) .

    Grocery giant Kroger ( KR ) said Thursday that its profits for the year would be lower than Wall Street expected, sending its stock plunging nearly 20%.

    Then Kroger’s stock plummeted 13% further on Friday after the Amazon-Whole Foods detail was announced.

    Shares of other retailers with a big presence in groceries, such as Target ( TGT ) , Costco ( COST ) , SuperValu ( SVU ) and Sprouts ( SFM ) , plunged as well.

    And Walmart was down 5%, despite announcing another online commerce deal of its own Friday. It bought men’s apparel company Bonobos.

    But Amazon’s stock rose 3% on the news. Investors don’t seem too concerned by how much the company is spending. A warning of a possible credit downgrade by ratings agency S P Global Ratings didn’t hurt Amazon either.

    S P said that Amazon may need to take on more debt as a result of the acquisition. But Amazon finished the first quarter with $21.5 billion in cash and securities on its balance sheet — and only $7.7 billion in long-term debt.

    Amazon’s deal for Whole Foods also further demonstrates the financial might of the Jeff Bezos-led company, whose market value is greater than that of the 12 largest traditional general retailers combined.

    “Millions of people love Whole Foods Market because they offer the best natural and organic foods, and they make it fun to eat healthy,” said Bezos.

    Whole Foods, founded in 1978, is widely credited with helping to make organic food go mainstream. The company now has about 87,000 employees and more than 460 stores — mostly in the U.S. But Whole Foods has also expanded to Canada and the U.K.

    The company has been moving aggressively in big cities, targeting millennial shoppers with a store format called 365 by Whole Foods Market that, like rival Trader Joe’s, has lower prices than the ones found at core Whole Foods stores.

    High prices, of course, have been a problem for Whole Foods. The company is often derisively referred to as Whole Paycheck since the company charges a pretty penny for spelt and quinoa.

    The company was accused of overcharging customers by regulators in New York City in 2015 and that had a huge negative impact on Whole Foods. Sales plunged for several quarters.

    And the company became the butt of jokes by late-night comedians. HBO’s John Oliver did a savage skit about the company’s high prices. (HBO, like CNNMoney, is owned by Time Warner.)

    Oliver ran a mock commercial showing, among other things, a block of ice with an avocado balanced on top for $25.99, a pomegranate that listened to NPR for $64.99, and tilapia wearing yoga pants for $84.99.

    Mackey eventually wound up apologizing to customers. But the damage was done.

    Sales growth at Whole Foods has slowed and profits have yet to return to levels before the price scandal. That may be one reason why Whole Foods was willing to sell to Amazon.

    It will be interesting to see if Amazon — which has a reputation for keeping prices low — will turn Whole Foods into more of a bargain retailer as well.

    It’s also worth noting that Whole Foods stock did not move much higher than $42 on Friday — the price that Amazon agreed to pay. That could be a sign that Wall Street does not expect a bidding war for the company that would push the sale price higher.

    So it looks like Bezos will inherit the bad PR baggage that comes with Whole Foods. I wonder if it’s too soon for people to ask Alexa where they can find stalks of asparagus in a bottle of water for $6.





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    The Lean Startup, The Movement That Is Transforming How New Products Are

    The Lean Startup

    New Products are Built and Launched

    Philosophy Helps Start-Ups Move Faster Start a business ideas

    Offers new ways to cut work time and investment Start a business ideas

    Many CEOs have fully embraced and continue to internalize the lean startup principles Start a business ideas

    Concepts apply both to designing products and to developing a market Start a business ideas

    Sign up for the Lean Startup Newsletter

    Get updates and exclusive content direct from Eric Ries

    Benefits of The Lean Startup

    Be more innovative.

    Stop wasting people’s time.

    Be more successful.

    Lean Startup isn’t about being cheap [but is about] being less wasteful and still doing things that are big.

    Principles of The Lean Startup

    Lean Startups can operate with much less waste

    The Lean Startup isn’t just about how to create a more successful entrepreneurial business. it’s about what we can learn from those businesses to improve virtually everything we do. I imagine Lean Startup principles applied to government programs, to healthcare, and to solving the world’s great problems. It’s ultimately an answer to the question ‘How can we learn more quickly what works, and discard what doesn’t? Tim O’Reilly CEO O’Reilly Media

    Lean Startup Case Studies

    • Start a business ideas
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    Start a business ideas

    Start a business ideas

    Dropbox revolutionized file-sharing by making an extremely easy-to-use, seamless application. Learn More

    Start a business ideas

    Start a business ideas

    Wealthfront is democratizing access to outstanding investment managers. Learn More

    Start a business ideas

    Start a business ideas

    Grockit was founded in 2007 to enable social learning, specifically test preparation (SAT, LSAT, etc). Learn More

    Start a business ideas

    Start a business ideas

    Founded in 2004, IMVU is the world’s largest 3D chat and dress-up community. Learn More

    Start a business ideas

    Start a business ideas

    Votizen is disrupting how our government and politics works by putting focus back on individual voter. Learn More

    Start a business ideas

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    Aardvark, a company subsequently acquired by Google, developed a social search engine. Learn More

    Meet-ups are happening everywhere

    • Start a business ideas
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    Get the Lean

    Why get the book?

    Do one important thing: make better, faster business decisions. Vastly better, faster business decisions. Bringing principles from lean manufacturing and agile development to the process of innovation, the Lean Startup helps companies succeed in a business landscape riddled with risk.

    This book shows you how.

    Start a business ideas

    About the Author

    Eric Ries

    Eric Ries is an entrepreneur and author of the New York Times bestseller





    Best ways to get a small business loan, Clark Howard, getting a

    Best ways to get a small business loan

    Getting a small business loan

    Getting a loan as a small business or an entrepreneur hasn t always been easy. Big banks generally don t care about you and the small community banks that were a pipeline of money for would be entrepreneurs have greatly thinned out after the Great Recession.

    Thankfully, microloans financiers and peer-to-peer (P2P) lenders are filling the vacuum and have stepped up with funds for small business owners.

    Here s a look at the best websites for small business lending

    P2P lending is a way to cut the banks out of the equation that allows people to go online to borrow or lend money directly to each other. Prosper.com is the granddaddy in the field, but LendingClub.com has been growing nicely in recent times and actually overtaken Prosper as the industry leader.

    You get your money fast once you pass underwriting with both Prosper and LendingClub. There s no waiting as you might with traditional banks that take forever to underwrite a loan. Prosper has helped arrange $6 billion in lending, but rates range from 5.99% to 36.00% APR, according to the website. LendingClub, meanwhile, has similar interest rates and has funded $15 billion in loans to date. But note this well: Interest rates at both lenders are on the rise because of recent market conditions.

    Then there are yet other newer players in the field like FundBox and BlueVine. Both will lend against your credit card receivables based on the historical amount of charge volume your business does. They offer credit lines to you with minimal paperwork, and use proprietary algorithms to make lending decisions. FundBox lends in less than an hour! The loans are not cheap, but they are quick. So the issue with them becomes the interest rates you re charged.

    Getting money specifically for online businesses

    Are you an existing online business looking for money to grow? PayPal may have a solution for you. The e-commerce business offers a financing option for its business customers called PayPal Working Capital. There is no credit check done of you or your business. PayPal is instead making lending decisions using a proprietary algorithm based on the historical value of your eBay sales and PayPal transactions. So if you have a good revenue stream, they lend you money against future revenue that comes in on PayPal.

    As PayPal transactions clear, they siphon off a portion for loan payments. It s a low-risk loan for them because you have a history and they assume you won t disappear as a seller. Your maximum loan amount can be 15% of your total sales volume, up to $85,000 annually. You are required to pay at least 10% of your total loan amount (loan + the fixed fee) every 90 days so that you make consistent repayment progress regardless of your sales volume, the company notes on its website.

    Another similar option to check out is Square Capital. For customers who use their payment-processing devices, the company will now make loans available. Fees will amount to between 10% and 16% of the amount borrowed. Much like PayPal model, Square will take around 10% of each transaction you process through their platform to pay back the loan. Loan term can stretch as long as 18 months, which is twice as long as the typical cash advance, according to The Wall Street Journal.

    So what we re seen are easier, more streamlined ways for small business owers to borrow. Clark has also talked in the past about Kabbage.com as another option. And Amazon actually beat PayPal to the punch doing this kind of lending in an effort to grow Amazon Marketplace to compete with eBay.

    Crowdfunding sites offer another route

    Crowdfunding sites are another alternative that have popped up in recent years. With crowdfunding, a borrower only gets the money if enough people agree to put up little chunks. If you don t get 100% funding for a potential project, you get no money at all. Some of the most popular crowdfunding sites include Kickstarter.com and IndieGogo.com. And don t forget to check out the Forbes list of the Top 10 crowdfunding sites.

    Microlending is another alternative to the traditional big bank route. Grameen America makes loans of $500 to $2,500 to clients who have little collateral. Many of their clients are Latinas who have businesses centered around baking, sewing, and cleaning, according to Charlotte s ABC affiliate WSOC-TV. Borrowers attend weekly group meeting with a Grameen staffer to share tips about having more successful businesses.

    If you have an entrepreneurial idea you need to get off the ground, or you need to grow your existing small business, check these sites out!





    How to Get a Business Loan, getting a small business loan.#Getting #a

    How to Get a Business Loan

    Getting a small business loan

    Sooner or later most small businesses need to know how to get a business loan, whether to get the operating capital for business startup or to finance an expansion. But whether you re approaching a bank or a friend for a business loan the lender will have the same expectations.

    You can greatly increase your chances of successfully securing a loan by being prepared to meet those expectations.

    Put yourself on the other side of the desk for a moment.

    If someone asked you for a small business loan, you d want to know exactly why he or she wanted the money and what the chances were that he or she would repay the loan in full and on time.

    The key to getting a loan is preparation. First, gather together the documents that will help persuade the lender that a business loan is necessary and that you are a good risk.

    Documents Needed

    • A business plan – The business plan shows the lender not only why you want a small business loan but what you plan to do with the money. Don t have one yet? Here s a simple business plan template you can use.
    • Cash flow projections – What s the first question any lender has? Will you be able to repay the loan? Your business s cash flow projections give lenders concrete financial data that they can use to assess this risk.
    • A statement of your personal financial status – A list of your personal assets and debts to give the lender a fuller financial picture.

    You may also need these documents:

    • Past business tax returns – If your business is established and you have past business tax returns, it s a good idea to take them with you. They ll give the lender a better idea of how your business is doing financially.
    • A credit rating report – Basically, you establish a credit rating by buying things on credit and paying back the money you owe. Your loan repayment history plays a big part in establishing your credit rating, but all your credit dealings make up the history that s used to determine your credit rating.

    It s not necessary that you include a credit report with your small business loan application; it s easy enough for potential lenders to check your credit rating. But if you don t know what your credit rating is or suspect your credit rating is tarnished, you may want to get one.

    In the U.S., you can get a free credit report once a year through the website AnnualCreditReport.com. For more information, see How to Get a Free Credit Report.

    In Canada, you can get a free credit report by contacting one of the two credit reporting agencies, TransUnion or EquiFax Canada. To receive your free credit report you will need to mail or fax one of these companies a request along with copies of two pieces of I.D. Note that you will not be able to get a free credit report through the website of either company; you will be charged a fee for an online report. CreditKarma provides free online credit reports through much of Canada.

    The credit report you receive will include information on what to do if you find errors in the report. If you have a poor credit rating, you will want to take steps to repair your credit rating before trying to get a business loan.

    Making the Presentation to the Lender

    The next step in how to get a business loan is to persuade the lender that your business is viable and you are a good credit risk.

    You need to prepare in advance to make a winning loan presentation.

    Start by considering the lender s point of view. You want money. But he or she is most interested in the answers to these two questions: What are you going to do with the money? and Are you a good risk? , and to make a successful business loan presentation, you need to come up with the right answers to these two questions.

    Answering the first question means being fully conversant with all the details of your business plan and being able to point to the relevant financial statements, charts or graphs that will help convince the lender that you need the amount of money you re asking for to do what you want to do.

    Answering the second question means having already given some thought to the credit risk you represent to the lender and being ready to address their concerns.





    Business – definition of business by The Free Dictionary, running a small

    business

    These nouns apply to forms of activity that have the objective of supplying products or services for a fee. Business pertains broadly to commercial, financial, and industrial activity, and more narrowly to specific fields or firms engaging in this activity: a company that does business over the internet; went into the software consulting business; owns a dry-cleaning business. Industry entails the production and manufacture of goods or commodities, especially on a large scale: the computer industry. Commerce and trade refer to the exchange and distribution of goods or commodities: laws regulating interstate commerce; involved in the domestic fur trade. Traffic pertains in particular to businesses engaged in the transportation of goods or passengers: renovated the docks to attract shipping traffic. The word may also suggest illegal trade: discovered a brisk traffic in stolen goods.

    busi ness

    Business

    1. As oxygen is the disintegrating principle of life, working night and day to dissolve, separate, pull apart and dissipate, so there is something in business that continually tends to scatter, destroy and shift possession from this man to that. A million mice nibble eternally at every business venture Elbert Hubbard
    2. Business is like a man rowing a boat upstream. He has no choice; he must go ahead or he will go back Lewis E. Pierson
    3. Business is like oil. It won t mix with anything but business J. Grahame
    4. Business is very much like religion: it is founded on faith William McFee
    5. Business policy flows downhill from the mountain, like water Anon
    6. A business without customers is like a computer without bytes Anon

    As the entries that follow show, this concept lends itself to many additional twists.

    Playwrights Ernst and Lindley wrote this simile to be spoken by a judge in their 1930 s play Hold Your Tongue.

    The first two words are transposed from Computer companies to generalize the comparison.

    business

    Business is the work of making, buying, and selling goods or services.

    When you use business in this sense, don’t say ‘a business’. Don’t say, for example, ‘ We’ve got a business to do ‘. You say ‘We’ve got some business to do’.

    You can talk about a particular area of business using the followed by a noun followed by business.

    A business is a company, shop, or organization that makes and sells goods or provides a service.





    Advice and ideas for UK small businesses, starting a business ideas.#Starting #a

    starting a business ideas

    At Small Business Grants, we are pleased to reveal the shortlist of six companies to be considered by our panel

    UK businesses for sale: A review of what’s on the market

    In this piece in association with BusinessesForSale.com, we look at a selection of exciting UK businesses for

    Can you have a Silicon Valley office on an SME budget?

    When we think about great office spaces, we often think of Google, Facebook, AirBnB, Apple, and various other tech giants.

    British Small Business Awards 2017: The winners

    It was a pleasure to welcome our guests to the second annual British Small Business Awards at the Grand Connaught

    Women will effectively work for free for the rest of 2017

    Consider this: if someone asked you to continue doing your job for free until the end of the year, would

    Entrepreneurial Brits: 80 per cent want start their own business

    There were 644,750 company incorporations in the UK in the twelve months to 31 March 2017 and with the popularity

    Small businesses in the UK worth an average of £90,000

    The average UK small business is worth £90,000 in 2017 – down £4,000 on 2016 – according to research by

    Ca-nine to five: One in five British workplaces allow pets in the office

    According to new research, one-fifth of British workplaces now allow employees to bring pets into the office, yet a similar

    Lessons learnt from the Ryanair flights crisis

    In this SmallBusiness monthly series of ‘Lessons Learnt’, Jennifer Janson, author of The Reputation Playbook and chairman of

    Gender savings gap: Half of female workers unprepared for retirement

    More than half of female employees admit to feeling financially unprepared for their retirement, as evidence emerges of a gender

    Choosing the right supplier

    How can small businesses scope out the best suppliers? The first step in supplier selection is understanding your customer needs

    Generation Z poses new challenges for online fashion retailers

    The latest generation to hit the shops in earnest has very different expectations from their parents, online research commissioned by

    Businesses and employees demand protection for gig workers

    Businesses and employees are calling on the UK government to provide more protection for those who work in the gig

    Your first website: Stock vanilla or bells & whistles

    How complex does your first business website need to be? Do you need to pay

    The Vitesse Network

    Further Information

    Starting a business ideas WordPress Development Agency London & Guildford

    Vitesse Media Plc, 14 Bonhill Street, London EC2A 4BX T. 0207 250 7010





    Register a business, register a business.#Register #a #business

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    Partly cloudy. High 61F. Winds SW at 5 to 10 mph..

    Tonight

    Some clouds. Low 44F. Winds light and variable.

    Updated: November 11, 2017 @ 1:54 pm

    ‘Dog tags’ to mark Yountville monument to military veterans

    Stamped bits of metal identify the men and women working to defend their country. By next summer, giant-size versions of those dog tags will become the centerpiece of Yountville’s tribute to t

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    Missing Junction City teen found murdered in Idaho desert

    An 18-year-old man from Junction City traveling across the country was befriended in Idaho by three residents there, taken by them into the desert and shot to death, law enforcement officials said Friday. The three Idaho residents have been charged in connection with his death. Officials said there did not

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    Licensed Oregon pot producer arrested in Nebraska; deputies say his rental van carried 110 pounds of marijuana and more

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    California man, 26, arrested for alleged sexual relationship with 17-year-old Eugene girl

    A 26-year-old California man is accused of traveling to Eugene to have sex with a 17-year-old girl he met online when she was 15, according to court documents filed in Lane County Circuit Court. Dylan Michael Ruhs of Petaluma, Calif., was arrested and booked into the Lane County Jail on

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    Business – definition of business by The Free Dictionary, starting a small

    business

    These nouns apply to forms of activity that have the objective of supplying products or services for a fee. Business pertains broadly to commercial, financial, and industrial activity, and more narrowly to specific fields or firms engaging in this activity: a company that does business over the internet; went into the software consulting business; owns a dry-cleaning business. Industry entails the production and manufacture of goods or commodities, especially on a large scale: the computer industry. Commerce and trade refer to the exchange and distribution of goods or commodities: laws regulating interstate commerce; involved in the domestic fur trade. Traffic pertains in particular to businesses engaged in the transportation of goods or passengers: renovated the docks to attract shipping traffic. The word may also suggest illegal trade: discovered a brisk traffic in stolen goods.

    busi ness

    Business

    1. As oxygen is the disintegrating principle of life, working night and day to dissolve, separate, pull apart and dissipate, so there is something in business that continually tends to scatter, destroy and shift possession from this man to that. A million mice nibble eternally at every business venture Elbert Hubbard
    2. Business is like a man rowing a boat upstream. He has no choice; he must go ahead or he will go back Lewis E. Pierson
    3. Business is like oil. It won t mix with anything but business J. Grahame
    4. Business is very much like religion: it is founded on faith William McFee
    5. Business policy flows downhill from the mountain, like water Anon
    6. A business without customers is like a computer without bytes Anon

    As the entries that follow show, this concept lends itself to many additional twists.

    Playwrights Ernst and Lindley wrote this simile to be spoken by a judge in their 1930 s play Hold Your Tongue.

    The first two words are transposed from Computer companies to generalize the comparison.

    business

    Business is the work of making, buying, and selling goods or services.

    When you use business in this sense, don’t say ‘a business’. Don’t say, for example, ‘ We’ve got a business to do ‘. You say ‘We’ve got some business to do’.

    You can talk about a particular area of business using the followed by a noun followed by business.

    A business is a company, shop, or organization that makes and sells goods or provides a service.





    Business News From Australia – World, start a business.#Start #a #business

    FANGed: Why Murdoch may sell Fox

    Start a business

    When Rupert Murdoch unofficially hung the for sale sign on his empire’s prized assets this week, it was confirmation that the mogul had been “FANGed”.

    Start a business

    Western Australian power banker joins EY

    It has been a busy week for former Macquarie Capital senior banker and and now Reserve Bank of Australia board member Mark Barnaba.

    Start a business

    Saputo launches its charm offensive

    Lino Saputo, Jr the boss of Canada’s dairy giant Saputo Inc says he does not see any potential issues with the competition regulator.

    Start a business

    Low expectations about Canberra circus

    The boss of Harvey Norman says shoppers already have such low opinions of politicians that the citizenship crisis hasn’t knocked confidence levels.

    Start a business

    How Appleby’s Australian plan failed

    Why the law firm at the centre of the Paradise Papers leaks abandoned an attempt to set up a Sydney beachhead.

    Judge blasts ‘unethical’, ‘dishonest’ ANZ, NAB

    • James Frost

    A judge has blasted ANZ and NAB for gross departures from basic standards of commercial decency, for which the banks will pay $50 million ea.

    Double Irish schemes ‘unrealistic’, ATO warns

    • Neil Chenoweth

    The Tax Office has hit out at “ineffective and unrealistic” schemes being promoted to US companies identified in the Paradise Papers to set .

    Banks to launch mining-style ad campaign

    • James Eyers

    A new “banks belong to you” campaign will remind Australians that 80pc of bank profits are returned to them via dividends.

    Reynolds loses battle over unpaid settlement

    • Vesna Poljak
    • Patrick Commins

    The NSW Supreme Court recorded a judgment against David Reynolds and Attis Capital in a dispute brought by Faye Mary Parker, the mother of f.

    How ACCC’s NBN changes could really shake up telcos

    • Opinion
    • Peter Moon

    The ACCC’s NBN push should shake up a tightly controlled sector where wholesalers withhold crucial data from smaller service providers.

    Featured in Business

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    How to Start a Rice Dealership Business, Pinoy Bisnes Ideas, start a

    How to Start a Rice Dealership Business

    Start a businessRice is an important primary staple food in many Asian countries especially in the Philippines. Indicating the high demand for this commodity, planning to put up a rice dealership business in your area is a wise choice. There is already an assurance that this business will succeed because buyers are already there. Of course, in any kind of business, conducting a feasibility study is always a crucial step to take. This will assess the economic viability of your proposed business.

    Here are some important questions to consider before plunging into this kind of business.

    1. Do you have enough capital or budget for your rice dealership business? With at least P60,000 to P100,000 as a starting capital.

    2. Do you want to operate as sole proprietorship or corporation? Business registration guide here.

    3. Do you have a big and safe storage room for the sacks of rice that will be delivered to you?

    4. Do you have a good location for your rice dealership business? Research the area of your target market, the flow of traffic and their buying habits.

    5. Do you have lists of rice suppliers in your area? Make sure you have a lists of several suppliers and make a good relationship with them.

    6. Do you have necessary equipments like calibrated weighing scales, rice sacks etc., and a service delivery (optional).

    7. What varieties of rice do you intend to sell? Make sure to have several varieties of rice, so that your customers will have several options.

    8. How will you market your business? This is also an important aspect especially you are new in this kind of business. Make a good marketing strategy and make your business known to your customers. Make a good deal with restaurant owners, hotels, resorts and small carenderias in your place to be their rice supplier.

    Here are Some NFA Rice Dealership FAQ

    Q: Who are required to secure license from NFA?

    A: All persons, natural or juridical, that are engaging or intending to engage in the rice and/or corn business whether commercial or NFA rice/corn.

    A: Before the start in any of the business activity enumerated above, the proprietor or operator should first secure a license from NFA. For those already license, businessmen should renew their annual license on any day within their scheduled month allotted by the NFA

    A: Application may be filed at the NFA office that has jurisdiction over the location of the principal business of the applicant.

    Q: In case we have more than one (1) store/establishment for Rice/Corn business, should all be licensed?

    A: Yes, owner/operator should file a license for all outlets at the NFA office where his principal place of business is located. Additional outlets are treated as branches.

    A: For new applicants, follow these procedures:

    secure application form from the licensing officer upon payment of application fee;

    accomplish and file application with complete requirements to the licensing officer who in turn checks the documents and determines corresponding license fee;

    pay license fee to the cashier and get copy of official receipt;

    prepare the facilities/equipment requirements for inspection by NFA Investigators;

    after inspection of establishments, present notice of inspection to licensing officer, official receipt and proof of compliance with deficiencies, if any;

    licensing officer issues license if application is found to be in order;

    applicants display license in their establishments.

    Procedures for renewal applicants:

    secure application from licensing officer upon payment of application fee;

    accomplish and file application with complete requirements together with previous year s license to the licensing officer;

    licensing officer checks completeness of requirements and determines license fee to be paid;

    pay license fee to the cashier and present the official receipt to licensing officer;

    licensing officer issues renewal sticker and stick it to appropriate portion of the license if application is found to be in order;

    applicants display licensing conspicuous place in their establishments.

    Q: For New Applicants, how long do we have to wait for the Approval of our License Application?

    A: The establishments and facility requirements of new applicants are inspected by NFA Investigators within 20 working days after the filling of their applications. Those inspected are given inspection notices stating the date when they can return to the NFA to show compliance with any deficiency, if any. Otherwise, their notices state the date they can get their license. In all these cases, it should not exceed 20 working days after inspection.

    A: Application fee is P50.00 for a single line activity and P100.00 for two activities or more. License fees depend upon capacity of the post harvest equipment used.

    A: Documentary and facility requirements depend upon the business activity.

    Q: Does the NFA requires only Licensing on Rice/Corn Business Activities?

    A: The NFA also require the registration of the following facilities aside from the license on the activities mentioned earlier list.

    motor vehicles used or intended to be used in transport/hauling of palay/ rice/corn whether for exclusive use or for hire except public utility vehicles franchised by proper government agencies not principally used for transporting rice/palay/corn;

    warehouses,threshers and sellers for own produce;

    mechanical dryers for owner s/operators exclusive use;

    packaging machines for owner s/operators exclusive use;

    institutions/establishments securing their rice/corn requirements from the NFA;

    poultry and hog raisers securing byproducts from the NFA;

    manufacturers/importers/dealers and distributors of rice/corn post-harvest facilities;

    non-operating mills and other post-harvest facilities. In this case, registration is done only once.

    Registration is done at the office of the NFA that has jurisdiction over the location of the principal business of the applicant.

    Registration fees see separate from that of the license fees.

    Q: In the event that I discontinue my business, what should I do with my License/Registration Certificate?

    A: Surrender your license/registration certificate to the NFA office that issued it together with a written notice of discontinuance.

    Otherwise, in case you reapply, you would be charged with the fees for the entire period that you have not applied for renewal.

    Q: What do you mean by Bonded Activities?

    A: Bonded activities mean third party stocks are deposited in your facilities, for storage, milling, threshing, corn shelling or mechanical drying. Operators/owners of facilities accepting third party stocks are required to post a bond as well as fire insurance to safeguard the stocks of the third party.





    Business Financing Loans and Options, financing a new business.#Financing #a #new #business

    Are You in Need of a Business Loan?

    With the right loan, you may be in position to take your business to the next level.

    Financing a new business Financing a new business

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    Loans up to $150k

    At BusinessFinancing.org, we offer business loans up to $150,000. No matter if you have been in business for many years or are starting your company in the near future, this amount of money should be enough to make a big difference.

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    Are you in need of fast funding for your business? Do you need money in order to purchase equipment, hire employees, or to meet some other demand? If yes, you have come to the right place. Business Financing can assist you now.





    Beyond the Bank Loan: 6 Alternative Financing Methods for Startups, how to

    Beyond the Bank Loan: 6 Alternative Financing Methods for Startups

    Many aspiring entrepreneurs have an idea for their business but lack the capital to actually start it. Brand-new businesses are often turned down for bank loans, and even if your business is established, funds can still be tough to secure. Loans funded by the Small Business Administration are usually more accessible, but they are becoming increasingly competitive.

    So what options are left for someone aspiring to be a small business owner? Here are six options beyond bank loans for financing your startup.

    Online lending

    Online lenders have become a popular alternative to traditional business loans. These platforms have the advantage of speed, as an application takes only about an hour to complete, and the decision and accompanying funds can be issued within days. Because of the ease and quickness of online lending, economist and former U.S. Treasury Secretary Larry Summers said at the 2015 Lend It conference that he expects online lenders to eventually reach more than 70 percent of small businesses.

    Editor s note: Are you considering a small business loan for your business? If you re looking for information to help you choose the one that s right for you, use the questionnaire below to have our sister site BuyerZone provide you with information from a variety of vendors for free:

    Angel investors

    Angel investors invest in early-stage or startup companies in exchange for a 20 to 25 percent return on their investment. They have helped to start up many prominent companies, including Google and Costco. Mark DiSalvo, CEO of private equity fund provider Semaphore said, You are likely to get an investor who has strategic experience, so they can provide tactical benefit to the company they are investing in.

    Find out what makes angel investors fund a business here.

    Venture capitalists

    Venture capital is money that is given to help build new startups that are considered to have both high-growth and high-risk potential. Fast-growth companies with an exit strategy already in place can gain up to tens of millions of dollars that can be used to invest, network and grow their company frequently.

    Brian Haughey, assistant professor of finance and director of the investment center at Marist College, said that because venture capitalists focus on specific industries, they can generally offer advice to entrepreneurs on whether the product will be successful or what they need to do to bring it to market. However, venture capitalists have a short leash when it comes to company loyalty and often look to recover their investment within a three- to five-year time window, he said.

    Learn more about venture capital here.

    Factoring/invoice advances

    Through this process, a service provider will front you the money on invoices that have been billed out, which you then pay back once the customer has settled the bill. This way, the business can grow by providing the funds necessary to keep it going while waiting for customers to pay for outstanding invoices.

    Eyal Shinar, CEO of small business cash flow management company Fundbox, says these advances allow companies to close the pay gap between billed work and payments to suppliers and contractors.

    By closing the pay gap, companies can accept new projects more quickly, Shinar told Business News Daily. Our goal is to help business owners grow their businesses and hire new workers by ensuring steady cash flow.

    Visit BND s guide to choosing a factoring service here.

    Crowdfunding

    Crowdfunding on sites such as Kickstarter and Indiegogo can give a boost to financing a small business. These sites allow businesses to pool small investments from a number of investors instead of having to look for a single investment.

    Make sure to read the fine print of different crowdfunding sites before making your choice, as some sites have payment-processing fees, or require businesses to raise their full stated goal in order to keep any of the money raised.

    Check out some emerging trends in crowdfunding here.

    Grants

    Businesses focused on science or research may be able to get grants from the government. The SBA offers grants through the Small Business Innovation Research (SBIR) and Small Business Technology Transfer (STTR) programs. Recipients of these grants are required to meet federal research-and-development goals, and have a high potential for commercialization.

    Learn more about applying for a small business grant here.

    Additional reporting by Katherine Arline and Nicole Taylor. Some source interviews were conducted for a previous version of this article.

    Jennifer Post graduated from Rowan University in 2012 with a Bachelor s Degree in Journalism. Having worked in the food industry, print and online journalism, and marketing, she is now a freelance contributor for Business News Daily. When she s not working, you will find her exploring her current town of Cape May, NJ or binge watching Pretty Little Liars for the 700th time.





    Incorporating Your Business, The U, incorporating a business.#Incorporating #a #business

    Incorporating Your Business

    When you rsquo;re starting a business, one of the first decisions you have to make is the type of business you want to create. A sole proprietorship? A corporation? A limited liability company? This decision is important, because the type of business you create determines the types of applications you rsquo;ll need to submit. You should also research liability implications for personal investments you make into your business, as well as the taxes you will need to pay. It rsquo;s important to understand each business type and select the one that is best suited for your situation and objectives. Keep in mind that you may need to contact several federal agencies, as well as your state business entity registration office. /p

    Here is a list of the most common ways to structure a business. /p

    An S corporation (also referred to as an S corp) is a special type of corporation created through an IRS tax election. An eligible domestic corporation can avoid double taxation (once to the corporation and again to the shareholders) by electing to be treated as an S corporation.

    A partnership is a single business where two or more people share ownership.

    Each partner contributes to all aspects of the business, including money, property, labor or skill. In return, each partner shares in the profits and losses of the business.

    A limited liability company (LLC) is a hybrid type of legal structure that provides the limited liability features of a corporation and the tax efficiencies and operational flexibility of a partnership.

    The “owners” of an LLC are referred to as “members.” Depending on the state, the members can consist of a single individual (one owner), two or more individuals, corporations or other LLCs.

    A corporation (sometimes referred to as a C corporation) is an independent legal entity owned by shareholders. This means that the corporation itself, not the shareholders that own it, is held legally liable for the actions and debts the business incurs.

    Corporations are more complex than other business structures because they tend to have costly administrative fees and complex tax and legal requirements. Because of these issues, corporations are generally suggested for established, larger companies with multiple employees.

    A cooperative is a business or organization owned by and operated for the benefit of those using its services. Profits and earnings generated by the cooperative are distributed among the members, also known as user-owners.

    Typically, an elected board of directors and officers run the cooperative while regular members have voting power to control the direction of the cooperative. Members can become part of the cooperative by purchasing shares, though the amount of shares they hold does not affect the weight of their vote.





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    How to Get a Business Loan, getting a business loan.#Getting #a #business

    How to Get a Business Loan

    Getting a business loan

    Getting a business loan

    Sooner or later most small businesses need to know how to get a business loan, whether to get the operating capital for business startup or to finance an expansion. But whether you re approaching a bank or a friend for a business loan the lender will have the same expectations.

    You can greatly increase your chances of successfully securing a loan by being prepared to meet those expectations.

    Put yourself on the other side of the desk for a moment.

    If someone asked you for a small business loan, you d want to know exactly why he or she wanted the money and what the chances were that he or she would repay the loan in full and on time.

    The key to getting a loan is preparation. First, gather together the documents that will help persuade the lender that a business loan is necessary and that you are a good risk.

    Documents Needed

    • A business plan – The business plan shows the lender not only why you want a small business loan but what you plan to do with the money. Don t have one yet? Here s a simple business plan template you can use.
    • Cash flow projections – What s the first question any lender has? Will you be able to repay the loan? Your business s cash flow projections give lenders concrete financial data that they can use to assess this risk.
    • A statement of your personal financial status – A list of your personal assets and debts to give the lender a fuller financial picture.

    You may also need these documents:

    • Past business tax returns – If your business is established and you have past business tax returns, it s a good idea to take them with you. They ll give the lender a better idea of how your business is doing financially.
    • A credit rating report – Basically, you establish a credit rating by buying things on credit and paying back the money you owe. Your loan repayment history plays a big part in establishing your credit rating, but all your credit dealings make up the history that s used to determine your credit rating.

    It s not necessary that you include a credit report with your small business loan application; it s easy enough for potential lenders to check your credit rating. But if you don t know what your credit rating is or suspect your credit rating is tarnished, you may want to get one.

    In the U.S., you can get a free credit report once a year through the website AnnualCreditReport.com. For more information, see How to Get a Free Credit Report.

    In Canada, you can get a free credit report by contacting one of the two credit reporting agencies, TransUnion or EquiFax Canada. To receive your free credit report you will need to mail or fax one of these companies a request along with copies of two pieces of I.D. Note that you will not be able to get a free credit report through the website of either company; you will be charged a fee for an online report. CreditKarma provides free online credit reports through much of Canada.

    The credit report you receive will include information on what to do if you find errors in the report. If you have a poor credit rating, you will want to take steps to repair your credit rating before trying to get a business loan.

    Making the Presentation to the Lender

    The next step in how to get a business loan is to persuade the lender that your business is viable and you are a good credit risk.

    You need to prepare in advance to make a winning loan presentation.

    Start by considering the lender s point of view. You want money. But he or she is most interested in the answers to these two questions: What are you going to do with the money? and Are you a good risk? , and to make a successful business loan presentation, you need to come up with the right answers to these two questions.

    Answering the first question means being fully conversant with all the details of your business plan and being able to point to the relevant financial statements, charts or graphs that will help convince the lender that you need the amount of money you re asking for to do what you want to do.

    Answering the second question means having already given some thought to the credit risk you represent to the lender and being ready to address their concerns.

    To get a small business loan, be prepared to tell your potential lender:

    • What collateral you have – Collateral refers to the tangible assets that you are willing to put up to secure the loan. These assets might be equipment, a house, a car – something of value that you own. If you fail to repay the loan, then the proceeds from the sale of the assets are used for repayment.
    • How much money you re personally willing to put into the business – Being willing to risk your own money shows the lender that you re committed to the enterprise.
    • Your expertise and/or experience in your chosen field – Because the success of your business is dependent on this to some degree, any potential lender will want to know more about you. Be prepared to talk about yourself when you apply for a small business loan – your background, your expertise, and even your aspirations.

    How to Get a Business Loan? Be Prepared

    Your chances of getting a business loan will be greatly improved if you have all your documents in order and are prepared to assuage the lender s concerns about loaning you the money. Think of it as a presentation to an important client or customer, and you ll have a better chance of success.

    Read more about getting a business loan:





    Learn How to Get a Business Loan from Banks and Others, getting

    Learn How to Get a Business Loan

    Getting a business loan

    Getting a business loan

    Personal loans are widely available, but if you’re trying to borrow for a small business, you’ll find that the process is more difficult. If you’re thinking of borrowing to start or grow your business, get started and get organized long before you fill out an application. Lenders want to be sure that they’ll get repaid, which means they’re looking for several criteria:

    • The loan makes good business sense
    • You personally (or your business) have a strong credit history
    • The people managing the business are qualified to put the money to good use
    • The bank is able to manage their own risk

    Good Business Sense

    Lenders only want to make a loan that helps you grow your business. You might be confident that the money will help, but you need to convince them of that fact. To do so, create an airtight case that proves (without exaggerating) how the funds will lead to greater profits – and revenue you can use to repay the loan.

    Your business plan is essential to get approved for a loan. If you don’t have one yet, it’s time to create one. You need to show, with specific numbers, how you’ll earn money, how you’ll spend it, and your big-picture strategy. Explain who all of the players are in your business, especially management, marketing, and sales roles – those individuals will bring in new business that helps pay for the loan.

    It’s okay if you do all of those jobs – just explain why that is and your track record of success in those areas. Your business plan should also include basic financial statements, pro-forma statements, and information about your personal resources.

    Building the Foundation

    Here’s the frustrating fact about most small business loans: your personal finances are important.

    Banks want to see a history of successful borrowing anytime they make a loan. That includes loans for your business. Unfortunately, many businesses don’t have any history of borrowing (especially new businesses), so lenders look at your personal credit scores instead. If you’ve got good credit, that’s a good sign that you’ll handle the business loans well. If you’ve got bad credit, lenders will be more skittish about lending. If your credit is “thin” because you haven’t borrowed much in the past (or if it’s in need of some repair), you may need to build your credit before lenders are likely to approve you for a loan.

    You’re applying for a business loan, and you may even be organized as a corporation or LLC. However, lenders will almost always want to hold you personally responsible for the loan. If they don’t do that and the business fails, there’s nobody left to repay them. But if you make a personal guarantee on the loan (which is likely a requirement), they can go after you personally, and your personal credit will suffer if you don’t repay.

    If you a have collateral to pledge for the loan, you’re more likely to get approved. With some businesses, you might be able to pledge business assets like vehicles and equipment (if your business has those types of assets).

    It’s more likely that you’ll have to pledge personal property such as your home or your financial accounts.

    Where to Borrow

    Once you’re organized and you know what to expect, it’s time to start talking with lenders. You have several options for borrowing, and each option comes with pros and cons. For best results, talk with lenders to understand their requirements and how they work – don’t just fill out an application and hope for a “yes.”

    Banks and credit unions are traditional sources for small business loans, and they’re a good place to start. Especially with small institutions, you’ll be able to meet with a lender who can guide you through the process. Larger banks might take a more hands-off approach. To improve your chances of getting approved, ask about SBA loans, which reduce the bank’s risk and feature interest rate caps.

    The loan process at banks and credit unions can be slow, so be prepared for a long process with a thorough review from the bank.

    Online business lenders are a relatively new option, and they might provide more choice than you can find locally. You might also find it easier to get approved – these lenders are more interested in funding loans and growing than conservative banks and credit unions. Online lenders might also move faster than traditional lenders. That said, they’re not looking to lose money, so the loan still needs to make sense.

    Microlenders might be willing to help if you meet certain criteria. Especially if you’re investing in communities that microlenders are interested in or you have a low income, these lenders might approve loans that banks will not.

    Online personal loans are an option when nobody will approve you for a business loan. Ideally, you’ll borrow in the name of your business – it’s cleaner and more professional that way. But some small business owners can only get personal loans. Try marketplace lenders and peer to peer lenders, which tend to offer competitive rates and quick turnaround on applications.





    Financing Small Business Enterprises: Sources of Information (Business Reference Services, Library of

    Financing Small Business Enterprises: Sources of Information

    Table of Contents

    Image (left): Bills and coins

    Courtesy of Microsoft Corporation

    This revised brief is intended as a guide to representative sources of information on obtaining funding for both the newly formed and the expanding small business in the current economic environment. As such, the focus is on recently published books, current journal articles and online resources that will be of immediate, practical use to the practitioner. This revision includes sources on the latest trends in financing small businesses; new and creative ways of funding such as crowdfunding; revised editions of many popular sources on the subject; more internet resources than the original brief had; and a new section on directories that lists various online and print directories that would help an entrepreneur exploring financing options.

    Regardless of the specific financing techniques discussed, certain themes are repeated throughout many of the publications listed in this brief. Chief among these is the emphasis on the importance of self-assessment in determining what it takes to be an entrepreneur coupled with caveats to those seeking financing to expect rejection before finally winning approval of their financing proposals. To this end, there are frequent discussions of the importance of developing business and/or finance plans, of placing one’s existing business in the best financial position possible by effecting economies in the day-to-day operations of the company, and of obtaining competent legal and financial counsel. Likewise stress is placed on the importance of comparing one’s business or potential business to industry standards for the same or a related industry or to a public company in the field which has disclosed financial information.

    As these sources make plain, acquiring seed money and initial capital for start-up is likely to be only the beginning of an on-going process of financing one’s business; the need to acquire financing becomes especially critical for the survival of existing and growing companies as they move beyond seed money and start-up, and seek other types of financing. Moreover, while some businesses may go through only one or two phases in their search for financing, others may go through multiple phases of the process more than once as the company grows.

    While this brief is intended to provide accurate information regarding sources of information about obtaining financing for small business, it is not intended as a substitute for professional legal, accounting, or other services, and users of this guide are encouraged to obtain the services of competent professionals in these fields as needed.

    This guide is based on Business Brief compiled by: Angela Wilson, Carolyn Larson, Shari Jacobson of Business Reference Services, Humanities and Social Sciences Division, Library of Congress, Washington 1994

    Revised by Gulnar Nagashybayeva, Business Reference Specialist, with contributions from

    Fathin Achmad, Montgomery College Paul Peck Humanities Intern.





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    How to get a business loan, options & requirements, Business Victoria, get

    Apply for a business loan

    Not what you’re looking for?

    • Choosing a loan you need
    • Improve your loan approval chances
    • Risk assessment

    When applying for a business loan, it’s essential to prepare a detailed business plan and fully inform the lender about your proposed venture. This information helps the lender to provide you with the right type of finance and advice.

    Deciding that your business needs a loan is only the first step. There are a number of things to consider before you approach a lender:

    • how much do you need to borrow?
    • what type of loan will you need?
    • how long will you need it for?
    • can the business afford to repay the loan, interest and any one-off or ongoing fees that come with the loan
    • what security can you offer the lender and how this affects the interest rate offered.

    Online repayment calculators are a good tool in researching options but make sure you take the following into account:

    Access to funds you borrow

    If you need to access the funds on a semi regular basis to help with cash flow to keep the business operating while waiting for your customers to pay for goods, ‘at call’ loans such as an overdraft or line of credit are designed for this purpose. However, if you need the funds to buy a new business or equipment to expand your existing business you will need the funds ‘upfront’. This is also known as a ‘fully drawn advance’ and provides you with the entire loan amount all at once.

    Loan terms

    Loans provided upfront will need a portion of the loan plus interest paid back at regular intervals. The repayment amount will depend on the term or length of the loan. To determine the loan term suitable for your business you will need to calculate how much you can afford to service the loan. Be aware that the longer the loan term the more total interest you will pay. Loans that are at call have no fixed terms.

    Ongoing funding

    This is the average amount of an overdraft or line of credit that is used at any one time. For example, you may wish to have an overdraft limit of $20,000 to provide money for the occasional big expense, but usually you won’t use more than $5000 of that credit limit on average. So in this case $5,000 is the level of ongoing funding you need.

    When applying for an overdraft limit, things to watch out for are:

    • higher the overdraft amount higher the fees
    • clauses where the lender can demand repayment of the whole loan at any time.

    Fixed or variable interest rate

    The choice of rate will affect the stability of repayments, overall cost of the loan and the loan features available. With a fixed rate loan the lender bears the risk of interest rate moves, while with a variable rate you will bear this risk. Ultimately, the choice of variable or fixed rates will depend upon how much free cash flow your business generates after you have paid all your expenses, including loan repayments. If your business has a low profit level, a variable rate loan repayment may rise beyond your ability to pay.

    Loan security

    Loans can be secured or unsecured by various types of assets, including residential, commercial, rural property or business assets. Alternatively, some loans are unsecured by any asset. Generally the less you provide for security the higher the interest rate will be. Be aware the lender has the legal right to seize any property or asset you offer as security if you can’t repay a loan on time.

    There can be fees which can make a loan less attractive than it first seems. These include one-off fees such as establishment/application fees, exit/discharge fees and early termination fees or regular fees such as service fees or line/credit advance fees. The Business Loan Finder tool includes the cost of set-up and ongoing fees in the average monthly repayment to give you a better idea of the true cost of the loan.

    Seek advice

    The information provided here will provide you with a range of possible finance options. It is important to seek advice from your accountant or business advisers before approaching a lender for a loan.

    Tip: Use our below Cashflow forecasting template to plan your cash flow and work out how much you need to lend.

    Plan the business, plan the finance

    Lenders will ask for a lot of in-depth information about the financial history of the business. It’s also important for you to create a convincing and detailed business plan which should include a profit and loss budget and cash flow forecast. The information you use to build your business plan may also be needed by the lender to assess your project. This includes both the past and future plans for your business, the people working in it and the market itself.

    The outcome of your application is strongly influenced by how well your proposal is researched and how well it is presented.

    Risk assessment

    Banks and other lenders will look at your business’s risk profile when considering your loan application. Understanding what lenders look for and what they consider risky will help you present your business in a favourable manner.

    As a general rule, lenders look for:

    • the level and nature of your security (what you’re offering to give them if you can’t repay the loan)
    • your ability to make regular loan repayments (cash flow risk)
    • your ability to ultimately repay the debt (business risk), including any other debts you might already have.

    You need to be able to assess the level of cash flow or business risk in your specific circumstances. A projection of the cash requirements of the business is most important to a lender, as it is the actual cash left after expenses that will repay the loan, not income. It also shows you are an effective manager.

    A lender’s perception of risk

    The following factors can influence your lender’s perception of risk. If a number of these areas apply to you and your business you may need to consider another source of finance.

    • start up businesses incorporate financial, business and management risk
    • lack of security
    • lack of business history
    • industry sector, factors will include levels of competition, barriers to entry, profitability profile and current economic conditions
    • highly seasonal businesses, for example swimwear and agriculture. You’ll need to demonstrate how you’ll deal with cash flow pressures in the off season
    • lack of planning, market knowledge and finance skills
    • poor credit history.

    Watch out! Before entering into a payment arrangement with the Tax Office, businesses should discuss this with their current or future lenders. Many businesses are unaware that entering into a payment arrangement with the Tax Office or other government agencies may adversely affect their current and future financing arrangements. For instance, a lender may not lend to a business if it is currently in a payment arrangement.

    For more details visit the Guide to managing your tax debt on the ATO website.





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