Go Biz Loans, biz loans.#Biz #loans

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Go Biz Loans

Hire employees, refinance high-interest debt or buy real estate. Get pre-approved in just 2 minutes — it won’t affect your credit score. Learn more at www.gobizloans. com.

Biz loans

Go Biz Loans обновил(-а) фото обложки.

Biz loans





BizBritain, Start Up Loans for Entrepreneurs – Start Ups, biz loans.#Biz #loans

Start Grow Your Own Business

Joining BizBritain gives you access to the finance and support you need to make sure that your business reaches its maximum potential. It only takes a few seconds to join, and it’s completely free.

Tools to Help You Start Your Business

Get access to finance, list your business in our free directory,

find local events, and discover great content.

Start Up Loans

Apply for a government-backed Start Up Loan and free business support. A great alternative for you to fund your start up.

Directory

The BizBritain directory allows you to promote your business and connect with other like-minded entrepreneurs.

Events

You can find interesting business events in your area, or promote your own for free in the BizBritain events calendar.

Content

BizBritain are constantly creating and sharing great content designed to help you start and grow your business.

Start Up Loans

BizBritain are an official Delivery Partner of the government’s Start-Up Loans Scheme.

You can apply to us for a government funded start up loan of up to £25,000. When you apply for a start up loan with BizBritain, we will help you to build your business plan and refine your loan application in order to give you the best chances of being successful.

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Some Entrepreneurs We’ve Funded

Watch these video case studies about other businesses we’ve approved for a start up loan.

Biz loans

Katie Millard

Babybird Cafe CIC

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Martin Fox

Smart Plus TV

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Katy Foster

Venture VTR

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Duncan Stanley

Brum Yum Yum

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Tim Caines

TCC Electical Services

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Melissa Mailer Yates

Shakespuss & Co

Testimonials

Here’s what our clients are saying.

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“Very efficient service that was smoothly run. The application process asks the right questions to help you evaluate the strength of your own application and may result in you carrying out some more research and planning. This helps to increase the chance of your business being successful when you launch it.”

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“It is a pleasure working with you. If I know of someone who wants to start‐up a business I will ensure to recommend BizBritain. “

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” I would just like to say thanks to all the team at BizBritain for making this a straightforward and painfree experience. I would be more than happy to recommend BizBritain to others.”

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” I just wanted to say a massive thank you to Keith and to BizBritain. Without BizBritain, I would have never been able to get my own business up and running. Sounds silly but you have had me my dream. So thank you so so much. I ll be grateful forever. Thanks again.”

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“I can t thank Alison and Matthew enough, seriously. Last year I put rateyoursalon live and wondered how I would get the next stage without funds! I m forever in your debt and thank you for the support and encouragement, this means so much to me. You ve made my life!”

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“Thanks to you and the team for all your help, I will be sending you an invite for a portrait very soon, hope you will come . “





Biz loans#Biz #loans

Biz Loans

We recognize a personal loan is a private matter. Reasons for needing money range from critical automobile maintenance, unexpected medical expenses, much needed family vacation, basic home improvements, etc. Whatever your reason, we respect your privacy. Thus, we work with lenders familiar with your situation and are ready to help.

Important Disclosures. Please Read Carefully.

This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where 247fastfunds.com does not have an available lender, you will not be connected to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

This website is not an offer to lend. 247fastfunds.com is not a lender and does not make loan or credit decisions. 247fastfunds.com connects interested persons with a lender from its network of approved lenders. 247fastfunds.com does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. 247fastfunds.com receives compensation from its lenders, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, 247fastfunds.com’s service is always free to you.

247fastfunds.com does not pull your credit or look at your creditworthiness, but responsible lenders will. By submitting your information to 247fastfunds.com, you are giving lenders in 247fastfunds.com’s network permission to verify your social security number, driver license number or other identification, and to review your creditworthiness by pulling your credit history from major credit bureaus such as Experian, Equifax and Trans Union and from alternative credit bureaus such as Teletrack or DP Bureau.

Lender’s Disclosure of Terms.

The lender you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender’s internal policies, underwriting criteria and applicable law. 247fastfunds.com has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.





SmartBiz SBA Loans Reviews – Business Loans, biz loans.#Biz #loans

SmartBiz SBA Loans

Rating Distribution

SmartBiz is a leading lender that helps small business owners acquire funds to grow their business. SmartBiz was launched in 2009 and is based in San Francisco California. Through automation, SmartBiz reduces the typical SBA lending process from months to weeks. SmartBiz SBA loans offer longer terms, lower rates, and lower monthly payments than other loan options.

The SmartBiz pre-qualification process takes about 5 minutes. Getting started is simple: Customers open an account with SmartBiz to provide basic business information for qualification. Once it’s determined that a business meets general eligibility criteria, additional business information is uploaded. SmartBiz representatives are available to answer any questions or help with the application through the entire process.

Interest rates vary from 7.47% to 8.69% depending on the size of the loan. SmartBiz loans have a variable rate of Prime Rate plus 2.75% to 3.75%. Prime Rate, as reported by the Wall Street Journal’s bank survey, is the lowest rate of interest at which money can be borrowed commercially.

Borrowers must also consider a 4% referral and packaging fees, and loans of over $150k need a 2.25% SBA guarantee fee.

How Much Money Can I Borrow?

SmartBiz loan amounts range from $30,000 to $350,000 with loans of $25,000 or more requiring collateral. If more than $150,000 is needed, call SmartBiz and one of their customer care officers will walk you through the application. The maximum loan term is 10 years, which allows for very low monthly payments.

Which States Does SmartBiz Operate In?

SmartBiz operates in all 50 states.

How Does the Application Process Work?

The entire application process is automated and all paperwork is uploaded online. Prequalification takes about 5 minutes and loans can fund in as fast as 7 days after the application is completed. The amount of paperwork required for each application depends on the size of the loan.

What is SmartBiz’S Loan Criteria?

To qualify for a SmartBiz SBA loan, businesses must have a minimum of 2 years of tax returns filed, have US citizens or a lawful permanent residents as owners, have enough cash flow to cover the loan payments, have no outstanding tax liens, no bankruptcies or foreclosures in the last 3 years and no criminal record other than minor vehicle violations. Borrowers must also have a credit score of above 600 FICO and at least 670 for loans over $150,000.

Each principal owner of the business must provide a personal guarantee for the loan. Owners of 20 percent or more of the business are considered a principal owner.

How Is SmartBiz Better Than Other Lenders?

SmartBiz is faster and easier than other lenders due to an online automated application process that reduces time and cost. Additionally, SmartBiz provides smaller business loans than traditional lenders with better rates, a 10-year payback term, and no prepayment penalties. If you don’t qualify for an SBA loan, SmartBiz can put you in touch with compatible lenders.





Smart Biz Loans, biz loans.#Biz #loans

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Being an entrepreneur comes with lots of challenges. Running your business with a romantic partner adds a whole new set of challenges. Can you run a business…

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Love Small Business

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Insurance protects you, your employees and your business. Did you know that there are specific insurance policies you need to have in place to qualify for a…

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NSW Small Business Commissioner – Quality face-to-face advice from Small Biz Connect

#small business advice

#

Quality face-to-face advice from Small Biz Connect – NSW Small Business Commissioner

Open Side Navigation

Quality face-to-face advice from Small Biz Connect

Small Biz Connect is a quality, personalised and highly subsidised business advisory program for small businesses in NSW.

Through the program, you can:

  • Get expert advice on managing your small business
  • Access face-to-face support
  • Develop key business skills

Small Biz Connect is funded by the NSW Government and will link with other business support services such as the Commonwealth Government’s Entrepreneurs’ Infrastructure program, as well as initiatives of Local Government and private enterprise.

Whether you’re just starting out, want to expand your business or are ready to retire, take the next step with Small Biz Connect.

Please call 1300 134 359 or download the Business Advisor Locations in NSW (PDF 1.4MB)to make an appointment with your local advisor.

Progroom’s story

Every day Small Biz Connect works with small business owners to assist them to achieve their goals through personalised, in depth support.

This video tells the story of the journey of southern-Sydney based small business, Progroom, and explains how working with a business advisor helped them set out a clear path for getting their business to where they want it to be.

Progroom’s story is a shining example of how small businesses can really benefit from the Small Biz Connect program.





Trends in Small Business Loans – Biz Loans – Small Biz Loans

#biz loans

#

Trends in Small Business Loans

Small business lending is evolving and the future of getting a small business loan will never be the same. Since 2011 the 2008 economic crisis lending has hit somewhat of a standstill, both commercially and personally; and now with the rise in alternative lenders and lenders like Kabbage, creating partnerships with banks to give customers better and longer terms and more flexible products, small business loans are trending up. This means that now is the time to find the right financing option for your small business.

Small business lending has turned a corner. Traditional lenders have realized how important small businesses are to the nation’s economy and are committing to lend more and more to these types of companies. In fact, one of the biggest lenders in the nation, Wells Fargo, has promised that by the end of 2018, they will have lent out $100 billion to small businesses alone. Small businesses have more options than they ever did before when it comes to seeking loans and working capital. Small business lending approval rates rose from 18.8 percent in March to 19.4 percent in May. which is a record high since the economic downturn.

Recently a few new market trends have emerged when it comes to small business loans. These trends are initially positive for small business owners, albeit competitive. So here are six lending trends to look out for in 2014.

#1 Easier toGet an SBA Loan
Thanks to the Small Business Administration, it is now easier than ever before to get a small business loan. Don’t get confused and think that the SBA itself is lending out money or saying yes to anyone who applies. Rather, the SBA is guaranteeing a portion of small business loans, making it easier for financial institutions to lend to them. There are still a variety of qualifications you will need to pass in order to be eligible for a small business loan (size requirement, finance qualifications, and lender qualifications). There are a variety of programs backed by the SBA like the 7(a) Guaranty Loan Program, SBA Express Program, and the Micro Loan Program.

#2 Non-Bank Alternative Lenders

The biggest trend is the increase in alternative lenders in the small business loan marketplace. Traditional lenders like banks and credit unions have made it difficult in the past for small business owners to get a loan. With all the hoops they expect you to jump through plus the amount of time it takes to get your application approved, it is no wonder that alternative lenders like Kabbage have become so popular. The current trend is shifting toward more and more small businesses seeking alternative solutions to traditional lenders. This is most likely due to the current low interest rates.

Last month Wells Fargo, one of the largest traditional small business lenders, committed to lend $100 billion to small business in the United States by 2018. This is sure to be picked up my more large traditional lenders as they come to realize what a large part small businesses play in our local economies. From 2008 to 2012, access to capital from traditional lenders for small businesses came to screeching halt. In fact, traditional bank lenders like Celtic Bank have turned to alternative lenders like Kabbage to help finance more small businesses!

#4 Increase in Middle-Market SBA Loans (up to $5 Million)

Back in 2010, the SBA increased its loan size to $5 million for the 7(a) loan program, which made it even easier for medium sized businesses, which often needed larger loans, to get funding to help their business grow and thrive. Before 2010, SBA loans were more popular and more targeted at new businesses and smaller “mom and pop” businesses. Due to the increase in SBA loans, however, there has been a trend in more experienced traditional lenders who frequently give out SBA and commercial loans lending to middle market businesses, which didn’t previously benefit from any loan program on the market.
#5 Lending on the Go

Another trend in small business lending that has taken off recently is mobile lending. Because it has become so easy to access working capital, alternative lenders have taken it one step further by providing working capital on the go. Many alternative lenders offer apps for your smartphone that allow you to manage your accounts remotely. Kabbage’s mobile app was the first of its kind to actually allow you access to working capital on the go while also allowing you to qualify from your phone and receive cash in as little as seven minutes! Technology is making it easier than ever to connect with your financial institution quicker and with less hassle.

#6 Cash flow is King
This last trend has been around since the advent of small business lending. Your cash flow says a lot about your business overall. and it is one of your most valuable assets. When lenders look at your business, they will always take your FICO score and cash flow into account. If you have a good average cash flow, getting a small business loan can be a cinch. If not, you can be seriously derailed. In fact, banks are looking at their clients cash flow cycles all the time to assess their financing options. Many larger banks are looking into their middle market accounts to see where they can lend even more money than before. Having a positive cash flow will help you tremendously when it comes to financing your business.

As times change, so do market trends, especially in the financial world. This year we are seeing a dramatic boost in how small and medium sized businesses are funded. This boost is great for our local economy and small businesses around the country because it helps keep small businesses flourishing. What trends have you seen recently in the financial arena? Are they affecting the way you find funding for your small business?

Madie Hodges currently works on the Kabbage blog editorial and content management team. She has worked in content marketing and finance since graduating from the University of California, Santa Barbara in 2013. She enjoys offering small business owners tips on marketing, finance and staying connected with your customers.

Latest posts by Madie Hodges (see all )

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  • OHosti – Best Free Unlimited Hosting cPanel – Powerful Unlimited Free Reseller


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    Free Unlimited Web Hosting Features :

    Flexible, Easy to Use Control Panel . Unlimited Bandwidth. Unlimited Sub Domains, FTP Accounts, and Email Accounts. 99.9% Uptime Guarantee Build your website using the latest languages including PHP, Ruby, PERL, Python, PostgreSQL, MySQL and more. We also provide SSH access on all Business Hosting plans and have enabled WP-CLI for easy WordPress management.

    Why is Our Free VPS Hosting different than Shared and Dedicated?

    With our OHosti VPS, you get an entire server. This is optimal for people that have very high traffic to their websites or need to setup their server in a very specific way. Not everyone needs to have a fully dedicated web server however. If you’re just getting started with your website, you can save quite a bit of money if you get a free small portion of the server. Shared hosting is when you share a portion of the server with other users rather than rent an entire server to yourself. If you are considering a dedicated server and are unsure if it is right for you, perhaps you will need to get Free VPS Hosting.

    What is our free reseller hosting included?

    Everything you need to get started is included in our Reseller packages for a single, no price (free) :

    Free cPanel:
    Unlike other hosting companies, we never charge you or your clients a fee to manage the content and setup of their websites. cPanel makes that easy.

    Free Domains Resales:
    Not only can you sell web hosting, our Reseller Program also gives you the ability to sell domain names.

    IMAP, POP, SMTP Email:
    We offer a variety of email protocols, meaning your clients can check emails anywhere, on any device, easily.

    Free Backups and Installers:
    We include the Softaculous auto-installer totally Free, so you and your clients can set up websites at the click of a button, and we back your sites up every 24-36 hours, automatically.

    Frequently Asked Questions?

    Why is it all free on OHosti? How do you earn?

    We’ve been providing leading free cPanel hosting services with No Ads. All this is made possible by our Paid Dedicated Servers services, including upgrades for those who need more room for growth, as well as donations from our community of users.

    How long will your hosting be free?

    Forever! We have provided Paid Servers services since 2010 and we have been in free hosting business since 2009.

    What are your guarantees?

    1. Our hosting will always be 100% free!

    2. We own all our servers and locate them in high quality data centers, so no one can shut down or reload any server with your data.

    3. We utilise dedicated connections to ensure we can provide enough bandwidth for all our users.

    Free Domain Name Privacy

    Did you know that whenever a domain name is registered, The Internet Corporation for Assigned Names and Numbers (ICANN) requires your personal information be published in the WHOIS database? This includes your mailing address, phone number and email address!

    With Domain Privacy Protection from OHosti Hosting we will make our information available to the public instead of yours. This can help protect you from potential spammers, telemarketers and even identity thieves. This wouldn’t cost you any thing only $0.00 annually! (Fully Free). Otherwise we would have to use the information we currently have on file for your account.

    Your name will remain as the registrant contact so that you retain complete ownership of the domain.

    You can register a free .com. net. org. tk. ml. ga. cf. gq (including Special Domains).

    Domain Privacy Protection is available with all hosting accounts, including shared hosting, vps hosting, and our dedicated servers.

    Create New Website?

    Build your website in 4 easy steps:

    • 01 Login to Site Builder
    • 02 Select Web Template
    • 03 Publish to your hosting account
    • 04 Select web template search etc.

    NSW Small Business Commissioner – Quality face-to-face advice from Small Biz Connect

    #small business advice

    #

    Quality face-to-face advice from Small Biz Connect – NSW Small Business Commissioner

    Open Side Navigation

    Quality face-to-face advice from Small Biz Connect

    Small Biz Connect is a quality, personalised and highly subsidised business advisory program for small businesses in NSW.

    Through the program, you can:

    • Get expert advice on managing your small business
    • Access face-to-face support
    • Develop key business skills

    Small Biz Connect is funded by the NSW Government and will link with other business support services such as the Commonwealth Government’s Entrepreneurs’ Infrastructure program, as well as initiatives of Local Government and private enterprise.

    Whether you’re just starting out, want to expand your business or are ready to retire, take the next step with Small Biz Connect.

    Please call 1300 134 359 or download the Business Advisor Locations in NSW (PDF 1.4MB)to make an appointment with your local advisor.

    Progroom’s story

    Every day Small Biz Connect works with small business owners to assist them to achieve their goals through personalised, in depth support.

    This video tells the story of the journey of southern-Sydney based small business, Progroom, and explains how working with a business advisor helped them set out a clear path for getting their business to where they want it to be.

    Progroom’s story is a shining example of how small businesses can really benefit from the Small Biz Connect program.





    Boston Business Journal names new publisher – Talking Biz News #best #business

    #boston business journal

    #

    Boston Business Journal names new publisher

    Carolyn M. Jones has been named publisher and market president of the Boston Business Journal, effective Wednesday. Jones has been publisher of the Albany Business Review since 1998.

    A story on the Boston Business Journal website states, Jones replaces Gale Murray. who will be rejoining American City Business Journals’ national sales organization in a senior management role. ACBJ is the parent company of the BBJ and the Albany Business Review. Murray has been publisher of the Business Journal since June 2014, and will remain based in Boston.

    I want to personally thank Gale for leading the BBJ through a period of great change. Her accomplishments were many, in a short period of time, said Michael Olivieri, executive vice president at American City Business Journals and a former publisher of the Boston Business Journal. We have asked Gale to return to our national sales operation in a management role where the pace of change is excelling and where Gale has had a significant impact in the past and will in the future.

    Over the past 17 years, Carolyn Jones has led the Albany Business Review to consistently be one of the best-performing business journals in ACBJ, Olivieri continued. Carolyn’s thoughtful leadership approach will be a great addition to Boston’s business community. Carolyn is also passionate about the important role the Boston Business Journal plays in helping the region’s business executives and entrepreneurs grow their business, advance their career, and simplify their professional lives.’





    NSW Small Business Commissioner – Quality face-to-face advice from Small Biz Connect

    #small business advice

    #

    Quality face-to-face advice from Small Biz Connect – NSW Small Business Commissioner

    Open Side Navigation

    Quality face-to-face advice from Small Biz Connect

    Small Biz Connect is a quality, personalised and highly subsidised business advisory program for small businesses in NSW.

    Through the program, you can:

    • Get expert advice on managing your small business
    • Access face-to-face support
    • Develop key business skills

    Small Biz Connect is funded by the NSW Government and will link with other business support services such as the Commonwealth Government’s Entrepreneurs’ Infrastructure program, as well as initiatives of Local Government and private enterprise.

    Whether you’re just starting out, want to expand your business or are ready to retire, take the next step with Small Biz Connect.

    Please call 1300 134 359 or download the Business Advisor Locations in NSW (PDF 1.4MB)to make an appointment with your local advisor.

    Progroom’s story

    Every day Small Biz Connect works with small business owners to assist them to achieve their goals through personalised, in depth support.

    This video tells the story of the journey of southern-Sydney based small business, Progroom, and explains how working with a business advisor helped them set out a clear path for getting their business to where they want it to be.

    Progroom’s story is a shining example of how small businesses can really benefit from the Small Biz Connect program.





    Trends in Small Business Loans – Biz Loans – Small Biz Loans

    #biz loans

    #

    Trends in Small Business Loans

    Small business lending is evolving and the future of getting a small business loan will never be the same. Since 2011 the 2008 economic crisis lending has hit somewhat of a standstill, both commercially and personally; and now with the rise in alternative lenders and lenders like Kabbage, creating partnerships with banks to give customers better and longer terms and more flexible products, small business loans are trending up. This means that now is the time to find the right financing option for your small business.

    Small business lending has turned a corner. Traditional lenders have realized how important small businesses are to the nation’s economy and are committing to lend more and more to these types of companies. In fact, one of the biggest lenders in the nation, Wells Fargo, has promised that by the end of 2018, they will have lent out $100 billion to small businesses alone. Small businesses have more options than they ever did before when it comes to seeking loans and working capital. Small business lending approval rates rose from 18.8 percent in March to 19.4 percent in May. which is a record high since the economic downturn.

    Recently a few new market trends have emerged when it comes to small business loans. These trends are initially positive for small business owners, albeit competitive. So here are six lending trends to look out for in 2014.

    #1 Easier toGet an SBA Loan
    Thanks to the Small Business Administration, it is now easier than ever before to get a small business loan. Don’t get confused and think that the SBA itself is lending out money or saying yes to anyone who applies. Rather, the SBA is guaranteeing a portion of small business loans, making it easier for financial institutions to lend to them. There are still a variety of qualifications you will need to pass in order to be eligible for a small business loan (size requirement, finance qualifications, and lender qualifications). There are a variety of programs backed by the SBA like the 7(a) Guaranty Loan Program, SBA Express Program, and the Micro Loan Program.

    #2 Non-Bank Alternative Lenders

    The biggest trend is the increase in alternative lenders in the small business loan marketplace. Traditional lenders like banks and credit unions have made it difficult in the past for small business owners to get a loan. With all the hoops they expect you to jump through plus the amount of time it takes to get your application approved, it is no wonder that alternative lenders like Kabbage have become so popular. The current trend is shifting toward more and more small businesses seeking alternative solutions to traditional lenders. This is most likely due to the current low interest rates.

    Last month Wells Fargo, one of the largest traditional small business lenders, committed to lend $100 billion to small business in the United States by 2018. This is sure to be picked up my more large traditional lenders as they come to realize what a large part small businesses play in our local economies. From 2008 to 2012, access to capital from traditional lenders for small businesses came to screeching halt. In fact, traditional bank lenders like Celtic Bank have turned to alternative lenders like Kabbage to help finance more small businesses!

    #4 Increase in Middle-Market SBA Loans (up to $5 Million)

    Back in 2010, the SBA increased its loan size to $5 million for the 7(a) loan program, which made it even easier for medium sized businesses, which often needed larger loans, to get funding to help their business grow and thrive. Before 2010, SBA loans were more popular and more targeted at new businesses and smaller “mom and pop” businesses. Due to the increase in SBA loans, however, there has been a trend in more experienced traditional lenders who frequently give out SBA and commercial loans lending to middle market businesses, which didn’t previously benefit from any loan program on the market.
    #5 Lending on the Go

    Another trend in small business lending that has taken off recently is mobile lending. Because it has become so easy to access working capital, alternative lenders have taken it one step further by providing working capital on the go. Many alternative lenders offer apps for your smartphone that allow you to manage your accounts remotely. Kabbage’s mobile app was the first of its kind to actually allow you access to working capital on the go while also allowing you to qualify from your phone and receive cash in as little as seven minutes! Technology is making it easier than ever to connect with your financial institution quicker and with less hassle.

    #6 Cash flow is King
    This last trend has been around since the advent of small business lending. Your cash flow says a lot about your business overall. and it is one of your most valuable assets. When lenders look at your business, they will always take your FICO score and cash flow into account. If you have a good average cash flow, getting a small business loan can be a cinch. If not, you can be seriously derailed. In fact, banks are looking at their clients cash flow cycles all the time to assess their financing options. Many larger banks are looking into their middle market accounts to see where they can lend even more money than before. Having a positive cash flow will help you tremendously when it comes to financing your business.

    As times change, so do market trends, especially in the financial world. This year we are seeing a dramatic boost in how small and medium sized businesses are funded. This boost is great for our local economy and small businesses around the country because it helps keep small businesses flourishing. What trends have you seen recently in the financial arena? Are they affecting the way you find funding for your small business?

    Madie Hodges currently works on the Kabbage blog editorial and content management team. She has worked in content marketing and finance since graduating from the University of California, Santa Barbara in 2013. She enjoys offering small business owners tips on marketing, finance and staying connected with your customers.

    Latest posts by Madie Hodges (see all )

    You might also like these posts:

    Get the security of a business line of credit today

    Qualify for a line up to $100,000 in minutes

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    Browse By Category

  • Contribute:

    Interested in guest blogging or have a pitch for the Kabbage blog editor?

    Quick Links

    Contact

    Refer a Business, Get $200

    Help your friends grow their small businesses and earn a gift gard! Find out more

    Kabbage is powered by the Kabbage Platform. Visit the website

    *Kabbage can approve you in minutes when we are able to automatically obtain your business data and instantly verify your bank account. In some situations errors may occur during the sign up process, or we may need to send micro-deposits to confirm your bank account for security purposes. If this is the case, it may take up to several days to provide you access to funding.

    2016 Kabbage Inc. All rights reserved. Kabbage is a registered trademark of Kabbage, Inc.
    All Kabbage business loans are issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.
    Celtic Bank Privacy Policy





  • Boston Business Journal names new publisher – Talking Biz News #funding #for

    #boston business journal

    #

    Boston Business Journal names new publisher

    Carolyn M. Jones has been named publisher and market president of the Boston Business Journal, effective Wednesday. Jones has been publisher of the Albany Business Review since 1998.

    A story on the Boston Business Journal website states, Jones replaces Gale Murray. who will be rejoining American City Business Journals’ national sales organization in a senior management role. ACBJ is the parent company of the BBJ and the Albany Business Review. Murray has been publisher of the Business Journal since June 2014, and will remain based in Boston.

    I want to personally thank Gale for leading the BBJ through a period of great change. Her accomplishments were many, in a short period of time, said Michael Olivieri, executive vice president at American City Business Journals and a former publisher of the Boston Business Journal. We have asked Gale to return to our national sales operation in a management role where the pace of change is excelling and where Gale has had a significant impact in the past and will in the future.

    Over the past 17 years, Carolyn Jones has led the Albany Business Review to consistently be one of the best-performing business journals in ACBJ, Olivieri continued. Carolyn’s thoughtful leadership approach will be a great addition to Boston’s business community. Carolyn is also passionate about the important role the Boston Business Journal plays in helping the region’s business executives and entrepreneurs grow their business, advance their career, and simplify their professional lives.’





    Trends in Small Business Loans – Biz Loans – Small Biz Loans

    #biz loans

    #

    Trends in Small Business Loans

    Small business lending is evolving and the future of getting a small business loan will never be the same. Since 2011 the 2008 economic crisis lending has hit somewhat of a standstill, both commercially and personally; and now with the rise in alternative lenders and lenders like Kabbage, creating partnerships with banks to give customers better and longer terms and more flexible products, small business loans are trending up. This means that now is the time to find the right financing option for your small business.

    Small business lending has turned a corner. Traditional lenders have realized how important small businesses are to the nation’s economy and are committing to lend more and more to these types of companies. In fact, one of the biggest lenders in the nation, Wells Fargo, has promised that by the end of 2018, they will have lent out $100 billion to small businesses alone. Small businesses have more options than they ever did before when it comes to seeking loans and working capital. Small business lending approval rates rose from 18.8 percent in March to 19.4 percent in May. which is a record high since the economic downturn.

    Recently a few new market trends have emerged when it comes to small business loans. These trends are initially positive for small business owners, albeit competitive. So here are six lending trends to look out for in 2014.

    #1 Easier toGet an SBA Loan
    Thanks to the Small Business Administration, it is now easier than ever before to get a small business loan. Don’t get confused and think that the SBA itself is lending out money or saying yes to anyone who applies. Rather, the SBA is guaranteeing a portion of small business loans, making it easier for financial institutions to lend to them. There are still a variety of qualifications you will need to pass in order to be eligible for a small business loan (size requirement, finance qualifications, and lender qualifications). There are a variety of programs backed by the SBA like the 7(a) Guaranty Loan Program, SBA Express Program, and the Micro Loan Program.

    #2 Non-Bank Alternative Lenders

    The biggest trend is the increase in alternative lenders in the small business loan marketplace. Traditional lenders like banks and credit unions have made it difficult in the past for small business owners to get a loan. With all the hoops they expect you to jump through plus the amount of time it takes to get your application approved, it is no wonder that alternative lenders like Kabbage have become so popular. The current trend is shifting toward more and more small businesses seeking alternative solutions to traditional lenders. This is most likely due to the current low interest rates.

    Last month Wells Fargo, one of the largest traditional small business lenders, committed to lend $100 billion to small business in the United States by 2018. This is sure to be picked up my more large traditional lenders as they come to realize what a large part small businesses play in our local economies. From 2008 to 2012, access to capital from traditional lenders for small businesses came to screeching halt. In fact, traditional bank lenders like Celtic Bank have turned to alternative lenders like Kabbage to help finance more small businesses!

    #4 Increase in Middle-Market SBA Loans (up to $5 Million)

    Back in 2010, the SBA increased its loan size to $5 million for the 7(a) loan program, which made it even easier for medium sized businesses, which often needed larger loans, to get funding to help their business grow and thrive. Before 2010, SBA loans were more popular and more targeted at new businesses and smaller “mom and pop” businesses. Due to the increase in SBA loans, however, there has been a trend in more experienced traditional lenders who frequently give out SBA and commercial loans lending to middle market businesses, which didn’t previously benefit from any loan program on the market.
    #5 Lending on the Go

    Another trend in small business lending that has taken off recently is mobile lending. Because it has become so easy to access working capital, alternative lenders have taken it one step further by providing working capital on the go. Many alternative lenders offer apps for your smartphone that allow you to manage your accounts remotely. Kabbage’s mobile app was the first of its kind to actually allow you access to working capital on the go while also allowing you to qualify from your phone and receive cash in as little as seven minutes! Technology is making it easier than ever to connect with your financial institution quicker and with less hassle.

    #6 Cash flow is King
    This last trend has been around since the advent of small business lending. Your cash flow says a lot about your business overall. and it is one of your most valuable assets. When lenders look at your business, they will always take your FICO score and cash flow into account. If you have a good average cash flow, getting a small business loan can be a cinch. If not, you can be seriously derailed. In fact, banks are looking at their clients cash flow cycles all the time to assess their financing options. Many larger banks are looking into their middle market accounts to see where they can lend even more money than before. Having a positive cash flow will help you tremendously when it comes to financing your business.

    As times change, so do market trends, especially in the financial world. This year we are seeing a dramatic boost in how small and medium sized businesses are funded. This boost is great for our local economy and small businesses around the country because it helps keep small businesses flourishing. What trends have you seen recently in the financial arena? Are they affecting the way you find funding for your small business?

    Madie Hodges currently works on the Kabbage blog editorial and content management team. She has worked in content marketing and finance since graduating from the University of California, Santa Barbara in 2013. She enjoys offering small business owners tips on marketing, finance and staying connected with your customers.

    Latest posts by Madie Hodges (see all )

    You might also like these posts:

    Get the security of a business line of credit today

    Qualify for a line up to $100,000 in minutes

    Browse By Category

    Browse By Category

  • Contribute:

    Interested in guest blogging or have a pitch for the Kabbage blog editor?

    Quick Links

    Contact

    Refer a Business, Get $200

    Help your friends grow their small businesses and earn a gift gard! Find out more

    Kabbage is powered by the Kabbage Platform. Visit the website

    *Kabbage can approve you in minutes when we are able to automatically obtain your business data and instantly verify your bank account. In some situations errors may occur during the sign up process, or we may need to send micro-deposits to confirm your bank account for security purposes. If this is the case, it may take up to several days to provide you access to funding.

    2016 Kabbage Inc. All rights reserved. Kabbage is a registered trademark of Kabbage, Inc.
    All Kabbage business loans are issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.
    Celtic Bank Privacy Policy





  • NSW Small Business Commissioner – Quality face-to-face advice from Small Biz Connect

    #small business advice

    #

    Quality face-to-face advice from Small Biz Connect – NSW Small Business Commissioner

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    Quality face-to-face advice from Small Biz Connect

    Small Biz Connect is a quality, personalised and highly subsidised business advisory program for small businesses in NSW.

    Through the program, you can:

    • Get expert advice on managing your small business
    • Access face-to-face support
    • Develop key business skills

    Small Biz Connect is funded by the NSW Government and will link with other business support services such as the Commonwealth Government’s Entrepreneurs’ Infrastructure program, as well as initiatives of Local Government and private enterprise.

    Whether you’re just starting out, want to expand your business or are ready to retire, take the next step with Small Biz Connect.

    Please call 1300 134 359 or download the Business Advisor Locations in NSW (PDF 1.4MB)to make an appointment with your local advisor.

    Progroom’s story

    Every day Small Biz Connect works with small business owners to assist them to achieve their goals through personalised, in depth support.

    This video tells the story of the journey of southern-Sydney based small business, Progroom, and explains how working with a business advisor helped them set out a clear path for getting their business to where they want it to be.

    Progroom’s story is a shining example of how small businesses can really benefit from the Small Biz Connect program.