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Luxembourg is moving to make itself the ‘heart’ of Europe’s space industry 6 Hours Ago

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Money to Start or Expand a Small Business, loan for small business.#Loan

Money to Start or Expand a Small Business

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Right off the top. The U.S. government does not currently provide direct grants to individuals for starting or expanding a small business. However, the government does offer plenty of free help in planning how to start or improve your business and in securing low-interest SBA-backed small business loans. In addition, many states DO offer small business grants to individuals.

SBA does not offer grants to start or expand small businesses. SBA s grant programs generally support non-profit organizations, intermediary lending institutions, and state and local governments in an effort to expand and enhance small business technical and financial assistance. — Source: SBA

The SBA is the U.S. Small Business Administration. Since 1953, the SBA has helped thousands of Americans start small businesses. Today. SBA offices in every state, the District of Columbia, the Virgin Islands and Puerto Rico assist with planning, financing, training and advocacy for small firms. In addition, the SBA works with thousands of lending, educational and training institutions nationwide.\

Can the SBA help you?

If your business is or will be independently owned and operated, not dominant in its field, and meets the maximum business size standards required, then yes, the SBA can help you. Here s how:

Federal Government Contracting Resources

Small businesses sell billions of dollars worth of goods and services to the US federal government every year. Many government agencies require that some percentage of their contracts for goods and services be awarded to small businesses.

Here you will find the resources you need to help your small business become established as a federal contractor, find business opportunities, and the rules and regulations that federal contractors need to follow.

Government Resources for Women-owned Businesses

According to the Census Bureau, women-owned nearly 30 percent of all nonfarm businesses in the United States in 2002, when the nearly 6.5 million women-owned businesses generated more than $940 billion in revenue, up 15 percent from 1997.

Here you will find information on US government programs that help women entrepreneurs start, grow and expand their businesses.

Finding State-Based Small Business Grants and Funding Hot Prospects

Small business financing incentives are an important part of every state s economic growth plan. Some states even offer small business grants. Other small business incentives could include subsidized rates on SBA loans, tax breaks and participation in business incubator programs.

Small Business Lending Fund (SBLF)

The SBLF will ultimately provide up to $30 billion to small community banks to be used for making small business loans. The dividend rate a community bank pays on SBLF funding is reduced as that bank increases its lending to small businesses — providing a strong incentive for new lending to small businesses so they can expand and create jobs.

State Small Business Credit Initiative

In the tradition of the best sources of funding for small businesses coming from state governments, the new State Small Business Credit Initiative (SSBCI) – a component of the Small Business Jobs Act – will strive to generate at least $15 billion in locally-available small business loan programs intended to help small business grow and create new jobs.

Small Business Health Care Tax Credit

The health care reform law – the Patient Protection and Affordable Care Act – provides an immediate small business tax credit to help small businesses afford health insurance coverage for their employees.





Government Small Business Loans, loan for small business.#Loan #for #small #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.





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FSTJ July 2017 Special Issue: Monozukuri (Manufacturing)

Special issue introduces the revolutionary effect of Fujitsu s smart manufacturing and some practical examples.

Read More on FSTJ July Issue

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Walking the digital tightrope

A Fujitsu report on digital transformation

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Do incredible things with Fujitsu Cloud Service K5

Expert Insight

“The design of artificial intelligence should ensure machines are orientated towards positive effects for humans, unable to take a step outside of that human-centric orientation.”

Dr Franz Josef Radermacher, professor of artificial intelligence, University of Ulm

Read more on I-CIO.com

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Compare Business Finance Products Today at MoneySupermarket, loan for business.#Loan #for #business

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Compare business finance products

Seek out the best deals on a wide range of products including in-credit business current accounts, cashback business credit cards and short-term business loans – plus get exclusive deals on business products that you can’t find anywhere else.

Business finance. Trust us to explain it simply

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We ve provided a list of those who can help if you re interested in taking out a medium to long term loan.

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Every question you have around commercial mortgages – solved

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Just like a personal account, you can manage and save your financies to support your business

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From helping with cash-flow to expansion costs, a short-term loan could be an option if your business needs a boost

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Guides

What are business loans

All you need to know about taking out a loan for your business.

What are business current accounts

The best way to keep your personal and business-banking separate.

Business savings accounts explained

All you need to know about taking out a loan for your business.

Peer-to-peer business loans

A loan that comes from individuals, as opposed to the bank. We explain how.

Invoice financing

How it works, and how it can benefit your business

What are business credit cards

Credit cards can be used as a way of managing staff spending and cashflow

Business finance in general

When it comes to managing your business finances, it’s not all that different from managing your personal finances.

The key difference is the fact you want to seek out products that are specifically designed for business use, as these will offer better rates as well as other features aimed at making running your business easier for you.

Who business finance is for?

Business finance is for any type of business, no matter how big or small.

You may want to think about business finance if you operate as a sole trader, or if you are a limited company – or if you are anything in between.

Who can apply?

Anyone who owns a business can apply for business finance, but you must remember that with some products, such as business loans, it may be difficult to get accepted in the current uncertain climate.

As a general rule, those businesses with the cleanest credit record have the best chance of getting accepted – and of getting the best rates.

What products are available within business finance?

There are a wide range of products available within business finance offered by numerous different banks and other financial organisations, including business current accounts, business credit cards and business loans.

Each product on offer in business finance has been designed with business in mind, and will help you to run your business operations more smoothly.

Why are we the best website for business finance products comparison?

If you’re looking for business finance products then you need look no further, as we compare hundreds of deals from different providers in one place to seek out the very best deal for you and your particular needs.

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The Business grants and funding available to UK small businesses, government grants

Government Grants

The government grants section has a wealth of articles and advice on how UK small businesses can get a grant from both the public and private sector, along with helpful guides on the different types of business grants and funding available to business owners starting and running a business.

A small business grants guide for 2017

Here, Peter Fleming takes a look at a range of options for funding your business through grants this year.

There are many European and UK-wide government business grant schemes; there are also local business funding schemes provided through Local Enterprise Partnerships (LEPs) or through local authorities and organisations such as the Chambers of Commerce. However there were 512 registered schemes at the last count! So a good place to start your research is on the government website.

Business grants are available at a local and national level and usually sector specific. They offer between £1,000 and £100,000 for SMEs, but funds can be unlimited for larger businesses within EU state aid programmes.

With grants you don’t pay the money back. However, it’s worth noting there will be clawback terms if you falsify claims in respect to expected outputs set by the grant scheme. Therefore, ensure your application is captivating and thorough as it will go through a due diligence process.

Normally there are two stages, submitting an Expression of Interest (EOI) to ensure your business and grant application meets the scope of the grant call and then a full application process whereby you will need to supply, market research, a business plan and at least 1-3 years of financial forecasts.

Throughout the process, you will need to justify there is additionality i.e. not just the reason why you need funding, but by obtaining a grant, how many new jobs you will create, if you’re opening up new markets or export opportunities or that your idea could be a game changer.

It is always worth getting a second opinion regarding the feasibility and strength of your application against the grant objectives and any regional strategic economic plan. Therefore speak to your accountant, a local business adviser or the Growth Hub.

The larger grant opportunities can be competitive and therefore be a long-drawn-out process, taking several months in some cases to receive just an offer. So if you are looking for subsidies and money quickly a grant may not be the right solution for your business.

It is also worth noting if your application is successful, grant moneys are not paid upfront but claimed normally at the back end of the project or even after any intervention is completed.

Therefore you will need to use your own cash reserves and any other funding prior to drawing down the grant money. I have even known businesses take out bridging loans till they have received their grant funds.

Some key areas of your business whereby you could access business advice or a grant;

Business advice and support, whether you are pre-start, a new start or an established business, there are regional Business Growth Hubs across the UK whereby you can obtain free or funded advice. You can normally obtain specialist support to devise a business growth strategy, do market research to create a sales and marketing plan, implement social media management or even get advice on how to apply for further funding.

Note each UK region may have a focus on specific business sectors, business sizes and locations, as eligibility can be even post code specific.

Skills and development government grants

The Skills Funding Agency oversees the current apprenticeship scheme, however on May 1st 2017 the new Apprenticeship Levy scheme starts whereby your business could access subsidised training and development to upskill existing employees to even Master’s degree level.

Many regional Universities, Colleges and further education organisations will be offering a multitude of subsidised short courses or funded degree level programmes which will help you develop your existing staff to be the managers and directors of the future.

If your business is within a rural development area and looking to grow, invest in infrastructure, machinery or seek specialist advice to diversify. Or if your business is involved with forestry and land projects the government have a scheme called LEADER managed through Local Action Groups.

The Carbon Trust Green Business Fund is a new energy efficiency support service for small and medium-sized companies in England, Scotland and Wales.

It provides direct funded support through energy assessments, training workshops, equipment procurement support and up to £10,000 capital contribution towards the purchase of energy saving equipment.

Manufacturing is an area which is increasingly supported through grant schemes. Therefore if you manufacture textiles, specialist tooling, operate in the digital market, within the nuclear supply chain or need support for international trade, or manufacture in many other sectors, there is likely to be a grant scheme that your business can access.

Innovation, Research and Development

Innovate UK, offers support and funding to help businesses develop new products and services and bring them closer to market, this may be to bring people together to share ideas, tackle challenges and make new technological advances.

They targets technologies and areas with the greatest scope to improve business, the economy and society.

Local Enterprise Partnership

For anyone looking for grants at the moment, the go-to people will be their Local Enterprise Partnership (LEP). One of the main functions of the LEPS is to generate economic growth and so many have their own grants programmes.

In addition, most provide some form of business support and advice. As part of the business advice service they collate information on local and national grants and will signpost business owners to the relevant organisations.

Another great source of information is the government ‘Business is Great’ website which has a page dedicated to a number of funds to support innovation.

There is also is an EU tool which does a better job than anything I’ve seen of clarifying what finance is available across the EU including although is does require some persistence in searching to get to the information.

For companies and individuals with ground breaking research which may require significant funding there is also Horizon 2020:

Grant funding is not for everyone but could give your business the boost it needs. Proper preparation, thorough research, getting professional advice and being able to clearly explain why you require your grant funding is more likely to lead to a successful application. And, as a result, help you obtain the financial support for a better, bigger and more profitable business for you.





How to Apply for Women and Minority Owned Business Grants, business grants

How to Apply for Women and Minority Owned Business Grants

Business grants for women

Asian business woman image by huaxiadragon from Fotolia.com

Related Articles

  • 1 Grants for Minority First Time Business Owners
  • 2 List of Grants for African-American Women to Start a Business
  • 3 Grants for Minority Women Wanting to Start a Small Business
  • 4 How to Register a Business As Minority Owned

Women and visible minorities who own their own businesses may be eligible for a variety of grants. Learn how to find them and apply for them.

Women and visible minorities can take advantage of grants offered by private institutions and, less often, government agencies. The key to winning a grant is ensuring that your business goals are aligned with the purpose of the grant and that you submit a professional application. With a bit of study and practice, however, you can gain confidence and hone your grant-writing skills, allowing you to tap into the resources of organizations that promote female and minority entrepreneurship.

Select specific grant programs that match your business and personal situation. Take note of each granting organization’s name and contact information, and compile a list of all grants for which you are eligible. Select a range of options – grants for women only, minorities only or both – if you are both a woman and a part of a minority group; this will give you a wider range of possibilities. Begin your search at Grants.gov for federal funding, and SRA International or Business Owners’ Idea Cafe for private funding sources (see Resources).

Research the granting organization thoroughly. Visit its website and read any news articles or press releases related to the organization. Look into the types of organizations and projects that the organization funds, and research specific grant-winners, if possible. Focus on the exact purpose of the awarded grants. Grants may be awarded purely to promote female and minority entrepreneurship, for example, or they may be granted to organizations whose programs directly benefit women and minorities in general.

Contact the granting organization and ask for guidance in preparing your grant proposal. Ask a representative to speak with you about the grant proposal process, explaining such things as preferred submission formats and length, the organization’s specific areas of interest and any other grant opportunities for women and minorities that may be available. Keep your new contact’s name and information as you did with the notes you took in step one.

Create your grant proposal. The proposal should include a description of your organization, including its mission and product offerings, and a needs assessment that clearly explains the need your company serves. Focus specifically on how your organization will promote the goals of the organization that offers the grant.

Create a thorough description of your products, services and business model, and include it in your grant proposal. Add a budget, projected financial statements and a detailed summary of how you plan to spend the grant money. End the proposal with professional biographies of yourself and your top-management team. List the names of any women or minority associations or groups of which you are a member.

Create an executive summary after all other sections are done and place it at the beginning of the grant proposal document.

Submit your grant proposal to your contact or designated recipient in the granting organization. Follow all format and submission instructions when sending in your proposal, and include a brief cover letter introducing yourself and your company, while thanking the grant reviewers for their time.

Ask your contact in the granting organization if members of the grant proposal review committee would be willing to look over your proposal and provide feedback before the submission deadline. It never hurts to ask, and this could provide invaluable insight and increase your chances of receiving a grant.





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As the leading advice website in the small business space, SmallBusiness.co.uk receives many requests every month from would-be entrepreneurs and existing company owners asking what financial assistance is available to help them, start, run, grow and succeed.

Whether you are running a cafe, operating a business from home, or perhaps managing a franchise, you will need funds to establish and grow your company. Depending on the type of business, this requirement may vary from a few hundred pounds to multiple thousands.

While some companies may be able to get away with minimal investment in equipment, staff and marketing, others will be faced with significant expenditures that are key to establishing their company.

The Small Business Grants initiative will help small businesses in this area, offering monthly financial assistance to maximise their chance of success.

Every month, one business deemed by our panel of judges to be the most deserving will benefit from a £5,000 financial grant, as well as being featured on SmallBusiness.co.uk as a monthly winner.

We look forward to receiving your applications for this exciting initiative. Good luck!





Getting Grants For Business Startups – A Complete Guide – Government Grants

Getting Grants For Business Startups A Complete Guide

Starting a business requires seed money for start-up costs, equipment purchases and materials, rental of office or building space or purchase of land, business fees, salaries and other operating costs. Business expansion also requires on-going funds. Raising capital is hard these days because banks have tight lending requirements, venture capitalist money is harder to find and many entrepreneurs are having to use their own personal savings funds or ask friends or relatives to invest. What many business owners are not aware of is that there are millions of dollars available in business start-up grants from the federal, state, municipal and private organizations and corporations that can be used for start-up capital purposes. The government alone has 26 federal agencies that deal with grant opportunities. Programs offer funds for business start-up, consultation, business expansion, research, development and small loans so that businesses of all types and sizes can compete. The government recognizes the value of new business start-ups wants to give grants to start a business to a variety of businesses.

The Department of Agriculture sponsors grants through the Broadband Initiatives Program which helps companies build broadband infrastructures in rural areas with less than 20,000 residences. Private businesses, excluding sole proprietorships, partnerships and limited liability companies, are eligible for this type of grant by applying to the Broadband Initiatives Program, Rural Utilities Service, Department of Agriculture, 1400 Independence Avenue SW, Stop 1599, Washington, D.C. 20250 or calling them at 202-690-0525. For more information, grantees can go to the broadbandusa.gov website.

The Department of Health and Human Services sponsors grants for research regarding vision loss in the United States. Grants can be used for research, travel expenses, consultation fees, patient costs, supplies, materials, salaries and facility renovations. Small businesses and for profit companies are also eligible to apply for this grant by writing to Grants Management Branch, National Eye Institute, National Institutes of Health, Department of Health and Human Services

Room 1300,5635 Fishers Lane, Bethesda, MD 20892-1900, or calling them at 301-451-2020 or visiting their website at nei.nih.gov.

The Homeland Security Advanced Research Projects Agency provides grants for businesses regarding research and development of science and technology products and services that promote homeland security. The funds may be used to test, develop, and use of technologies to solve homeland security vulnerabilities. Eligible applicants include private entities, businesses, individuals, groups and for-profit organization. For more information, grantees can apply to the Grants and Financial Assistance Division, Office of Procurement Operations, Department of Homeland Security, Building 410, 245 Murray Lane SW, Washington, District of Columbia 20528, or call them at 202-447-5589 or visit their website at dhs.gov.

Small Business Administration

The Small Business Administration provides grants and loans for businesses for research, development, job training and technology. Grants and loans are also available to minorities such as women, African Americans and Hispanic Americans. For more information, applicants can visit the Small business Administration website.

States and Municipalities

States and local municipalities get grant money from the federal government and then give it to local and regional businesses for various start-up costs, business expansion, job training and technology to compete with other larger businesses and to develop new ideas and technology.

Private organizations and corporations also provide grant monies that they receive from government grants or private donors to enable businesses to do research and development, provide jobs and training.

Grant money is free and does not have to be repaid to the funder like loans do. However, there may be requirements that the grantee must meet, and the grantee may be subject to reporting requirements as well. Business start-up grants provide the needed funds for businesses to grow and expand and for new businesses to start so that jobs can be created and new technologies and services developed that provide benefits to the entire community and the country.





Government Grants, Government Loans and Free Grant Money, grants for business.#Grants #for

Government Grants for Business, Education and a

Wide Range of Financial Assistance

Discover how you can Receive Government Grants for your Project or Venture.

Billions in Free Government Grants are funded by the United States Government yearly and countless millions daily by private and corporate foundations, and all the funding for these programs come from your tax dollar and company profits.

The Federal Government and these Private Foundations expect you to find out about it’s government grant money programs all by yourself. But that’s almost an impossible task, because there are so many different types of grant programs and Foundation give-a-ways that it would be a full time job just to keep track.

The Government is not hiding this information from you, it’s just that our elected officials spend all of their time developing these government programs and services and very little time promoting them.

Today! Free Government Grants and Foundation Funds are available for entrepreneurs, students, businesses, inventors, minorities, veterans, the unemployed, youth services, communities, home and real-estate buyers, artists, musicians, nurses, teachers, researchers and that’s just to name a few.

There Are Literally Billions In Grants For Any Worth While Propose!

And The Best Part Is, You Never Have To Pay It Back!

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Government Grants Are Interest Free And Non Taxable!

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Government Grants Require No Credit Checks Or Cosigners!

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IT’S TIME FOR YOU TO TAKE ADVANTAGE OF THIS COUNTRY’S BEST KEPT SECRET!

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Our staff has researched and compiled a program that will find you Government and/or Foundation Funds. America’s Directory To Grant Resources will provide you with thousands of grants and funding sources, which provides Government Agency Resources, Corporate and Private Foundation Funds. Including Names, Addresses, Phone Numbers, Web Sites, Contact Personal, Proposal Writing, Contact Procedures and the type of funding they issue.

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If you place your order now, you will receive a Free Consultation with our Grant Assistance Specialists . Our grants specialist will help you fill out a complete profile of your present situation and give you the assistance needed in developing and executing a plan that will help you achieve your financial goals. This personal assistance can help you find the grant that is tailored to meet your needs.

Government Grants Q A

A: No, The Government wants you to take advantage of their grant programs so each agency will be eligible for additional funding the following year.

They Must Give This Money Away.

Q: How do I get paid?

A: The Government or Foundation agency will send you an acceptance letter with your award amount.

Q: Will bad credit interfere with obtaining Government Grants?

A: NO, In fact grants are not based on your credit. This is not a loan, even the unemployed receive Federal Government Grants.

Q: What is the average grant amount awarded?

A: $500.00 to 50,000.00 is average, but it depends on what the grant will be used for. Businesses that benefit the communities have been awarded $250,000 to millions in Government Grants.

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How to Start a Rice Dealership Business, Pinoy Bisnes Ideas, ideas for

How to Start a Rice Dealership Business

Ideas for 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.





Small Business Grants – How and Where To Apply, small business grants

Small Business Grants – How to Find Them and How to Qualify

Small business grants for womenSmall business grants are financial assistance programs available to entrepreneurs and business owners in the United States who have fewer than 500 employees. The funding can come from a government agency, a non-profit organization, or another for-profit company. Awards typically range from $500 to up to $100,000.

Eligibility varies, and can depend on your location, your income, your ethnicity, your gender, your experience in business, as well as your longetivity in business. Some small business grants can even require that you participate in a competition or write an essay to demonstrate your talents or need.

Here are 5 great ways to find what opportunities are available to you:

1) Check With Your Local Government Agencies. Many cities, counties, and states give away money to local businesses. Why? Because they want you to create jobs and more tax revenue. Many times they won’t highly publicize these opportunities, but it’s in your best interest to give them a call and/or search their web sites.

2) Check With Federal Government Agencies. The federal government doesn’t give grants directly to businesses, but they do give money to foundations who in turn can give money to small businesses. The federal agency in charge of this is the Grants Program Management Office, and all of their opportunities are listed publicly online.

3) Check With Major Corporations. Nearly every major corporation in this country has a foundation that gives away grants to enhance communities, and many of these are grants to start or expand a business. Start by checking first with big companies that are headquarted in our city or state.

4) Search The Internet. Use Google, Yahoo and Bing to conduct a search using the term business grants . You can even throw in the name of your city, county, state, etc. Carefully review the results, and look for web sites that other web sites are linked to. Doing so, will help you to find opportunities that may be casually listed on a blog or some type of directory. You may even come across a recent news article about a new opportunity.

5) Ask Around. When attending professional networking functions and social mixers, never hesitate to ask people that you meet about new opportunities. Many times, small business grants are given away to people who happen to be in the right place at the right time. Never underestimate the importance of creating a relationship with a power player and his/her associates.

6) Visit Your Local Library. Contrary to popular belief, libraries are still an excellent resource and store a lot of information that is not accessible in other places. Go to your library as soon possible; look for grant books and directories and ask specific questions to your librarian. You’ll be surprised what you can find.

#1 – Caleb Brown Community Business Grant Program

Provides access to “seed money” and grants to assist urban professionals with starting businesses and rebuilding the community.

#2 – DOT Disadvantaged Business Enterprise Program

Offers grant funding to provide training and other services to minority-owned and women-owned businesses to help them compete for highway contracts.

Allows business owners and entrepreneurs to register and submit their business story and photos, get voted for, and be considered among the top 100 finalists and the winners.

Allows fans, including customers, vendors, employees, and the community, determine who deserves some love – in the form of financial assistance for their business.

#5 – Minority Business Development Agency (MBDA) Business Grants

Every year, the MBDA organizes various angel investors with the primary objective of supporting minority businesses with mezzanine and second round financing.

#6 – Miller Lite Tap the FutureВ® Business Plan Competition

Annual competition for minority entrepreneurs that gives away business grants to applicants who submit the best business plans. (Formally called MillerCoors Urban Entrepreneur Series).

#7 – National Association For The Self-Employed (NASE) Growth Grants

Business owners can apply for a $5,000 grant useful for financing a particular small business need.

#8 – Rural Business Enterprise Grants (RBEG) Program

P rovides grants to finance the development of small and emerging businesses in rural areas, to be used for land acquisition, etc.

The SBA and it’s various initiatives award $2 billion in grant funding and loans to small high-tech businesses annually.

#10 – Small Business Innovation Research (SBIR) Grants

The SBA and it’s various initiatives award $2 billion in grant funding and loans to small high-tech businesses annually.

Provides veterans who own franchises with financial grants for business development, education, training, and/or technical assistance.

Provides technical assistance to women entrepreneurs, both new and established, in the areas of finance, management, and marketing, and other areas.





Grants For Women, Government Grant, small business grants for women.#Small #business #grants

Grants For Women

Women have had a constant struggle for equality and have made tremendous strides. Yet many still have lower paying jobs and suffer from discrimination in the workplace. In fact, 75% of women make less money than their male counterparts, when fulfilling the same job. Government grants for women are designed to help lessen this inequality and give women opportunity through finances.

Grants are given to women in order to:

  • Pursue college and/or higher education
  • Start a new business
  • Expand or update and existing business
  • Subsidize a low income household
  • Subsidize personal or family need

Small Business Grants for Women

Small business grants for women

If you re looking to start a new business, fund a nonprofit or further your educational research, there are plenty of grants created just for women that can assist you in pursuing your goals

Now more than ever women are receiving grants and starting up their own company or becoming a force to reckon with in their industry. In fact, according to the statistics of recent years, women make up nearly half of the population of new business owners each year; and are more likely to succeed in their venture than their male counterparts. How is that for incentive? If the only thing that has been holding you back has been money, than a grant is just what you need.

Business grants for women may focus on specific aspects of the corporate world like entrepreneurship or women-owned businesses. The U.S. Small Business Association provides incentives to help women business owners. Some organizations recognize leaders in their fields or individuals who contribute to the advancement of women in a profession like the Individual Awards from the Society of Women Engineers. There are also several non-profit organizations award grants to help women help themselves.

Below are some examples of grants available to women:

Mott Foundation Grant

This grant from the Mott Foundation is for women who want to enhance their education for the purpose of being more effective in the democratic community. Women who want to be involved in both governmental and non-governmental organizations can apply for this grant, as can women who want to start a nonprofit organization.

Women who want to start a water conservation program or an initiative to preserve the environment in their area are also eligible for the Mott Foundation Grant, as are women who seek to improve the educational systems in their cities or states.

If you re looking to start a new business, fund a nonprofit or further your educational research, there are plenty of grants created just for women that can assist you in pursuing your goals[/caption]

Applicants must submit a letter or intent and formal proposal for this grant; the amount of the grant varies.

Levi Strauss Foundation Grant

The Levi Strauss Grant for women awards funds to those who are dedicated to promoting worker s rights. Women who are committed to educating their communities about the prevention of HIV/AIDS are also eligible to receive the Levi Strauss Grant. Women around the world are able to apply for the grant. Depending on the purpose of the grant, women can be awarded anywhere between $250 and $458,667.

Global Fund for Women

A grant from the Global Fund for Women helps to advance the efforts of promoting human rights for girls and women. The grant is designed for women who are running human rights or community advancement organizations outside of the U.S., and the application is offered in five languages: English, French, Spanish, Russian and Arabic.

Grants from the Global Fund for Women are between $500 and $30,000. Detailed proposal letters and applications are due between September 15 and December 15, or between March 15 and June 30. Applicants are notified of their award by May 31 or November 30.

The Amber Grant

The Amber Grant is a small grant of $500-$1000 that is awarded to women starting up their own business. The money is intended for use in essential start-up costs.

The Women s Financial Fund Grant Program

The Women s Financial Fund Grant Program gives money to new and existing businesses owned by women. New businesses can receive from $100-$500 for start-up costs, and existing businesses could be eligible for $1,000 to $5,000.

College Grants for Women

Before 1975, more men attended college than women. Today, approximately 25 percent more women attend college than men. Despite increased enrollment, women are still underrepresented in several fields including engineering, computer science and the physical sciences. College-educated women in the workforce earn approximately 75 percent as much as their male counterparts. Minority women fill more lower-paying occupations. Less than 15 percent of women are in management and business and only 7 percent are in higher-paying fields like engineering and computer science. Minority women are least represented in these fields. To help close the gaps between men and women in the workforce the government, non-profit and corporate institutions have set aside grants and awards for women.

If you are a woman in college visit our page about college grants for women.

If you are a woman seeking graduate grants visit our page on graduate grants for women.

Small business grants for women

Get A Free Grant Assistance KitSmall business grants for women

To start your application for a free grant package go to:

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Business Loans – Apply for a Business Loan Today, loans for starting

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.

If you wish to speak to someone: Contact Us

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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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Rollins College, Winter Park, FL, business ideas for college students.#Business #ideas #for

business ideas for college students

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Make Tomorrow Happen

When Florida needed a college, we founded one. We’re entrepreneurial like that. More than 130 years later, we’re still hard at work, preparing a new generation of leaders to meet the challenges of the 21st century.

Discover Your Rollins

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Rollins Undergraduate

Live, study, and flourish in Rollins’ innovative learning community and develop the expertise to succeed as the world evolves.

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Rollins Evening

Earn your bachelor’s or master’s degree with the flexibility of a nontraditional program at Rollins’ Hamilton Holt School.

Business ideas for college students

Graduate School of Business

Advance your career with MBA, Executive DBA, and continuing education programs at Rollins’ Crummer Graduate School of Business.

Behind the scenes of SPARC Day

Rollins’ annual day of service introduces you to the power of service learning and connects you to our community and our mission before classes even begin.

An immersive experience

Dive deep into challenges facing communities in our backyard and around the world on immersive weekend and weeklong experiences led by Rollins faculty and staff.

With you every step of the way

Meet Rollins’ Peer Mentors, second-, third-, and fourth-year Tars who work their tails off to make your #RollinsLife amazing from Day 1.

21 reasons Tars love Winter Park

From the community vibe to award-winning restaurants, find out what it’s like to be a college student in one of America’s hippest towns.

A human-powered education

In a Rollins classroom, everyone has a voice. With our small class sizes and discussion-based approach, you not only have a seat at the table, you help shape the direction of your education.

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Rollins Results

From our innovative curriculum to our commitment to career services, find out how Rollins prepares our graduates to lead meaningful lives and forge productive careers.

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What’s life like at Rollins? See for yourself through your future classmates’ Instagram and Twitter adventures.

Discover Rollins

Get a firsthand look inside the Rollins experience at one of our Discover Rollins open houses this fall. You’ll explore campus, learn more about admission and financial aid, meet our professors and students, and much more.

Upcoming Events

Cornell Fine Arts Museum Art Tour

Saturday, November 11, 2017 – 1:00 PM

COMMUNITY SCHOOL OF MUSIC FALL RECITAL

Saturday, November 11, 2017 – 3:00 PM

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Saturday, November 11, 2017 – 4:30 PM

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  • Business ideas for college students

Rollins Ranked No. 1 MBA in Florida

Forbes magazine has named Rollins’ Crummer Graduate School of Business the top MBA program in.

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  • Business banking: small biz savings, best bank for small business.#Best #bank #for

    Small Biz MoneySaving

    Get Our Free Money Tips Email!

    For all the latest deals, guides and loopholes – join the 12m who get it. Don’t miss out

    Best bank for small business

    Archived September 2016

    Best bank for small business

    Keeping small business bills down is easier than you think, using the same techniques you use for slashing household costs.

    This small business MoneySaving guide gives you the best business bank accounts and savings, utilities, phones, broadband, insurance and more.

    In this guide
    More in this guide

    What do I need to do when I set up a business?

    It’s a common question – who do you need to tell/register with to set up a business? This Gov.UK page has the basics of setting up the things you need, but, it won’t surprise you to hear that one of the first people you should tell is the taxman.

    HMRC has set up an online ‘e-learning course’ to help you with questions you might have about tax and national insurance, or how to start and keep the correct business records. It’s useful if you’re just setting up and helps you start with good business habits. Or see its list of business tax webinars, videos and other resources to help once you’re up and running.

    Best business bank accounts

    Once you’re registered, you’ll need to find a business bank account. Unlike personal bank accounts, which are usually fees-free if you’re in-credit, the opposite’s true for their business brothers. Charges of Ј25 per transaction are possible on top of monthly account fees, and this can be a nightmare. There are four steps towards beating these.

    Step 1: Use a personal account if you can

    If you are a sole trader (not a limited company), then you may be able to use your normal bank account for your business, with all the better terms that involves (though check your terms & conditions – some banks won’t allow this).

    However, using a separate, dedicated account could make your record-keeping a lot easier. It could also be a huge help if HMRC selects your tax return for an in-depth inquiry. For all the best buys, see the Top Bank Accounts guide.

    If you make a large number of transactions, deal with big sums, or need to regularly bank cash, then your bank may suggest getting a business account. If that’s likely, start with the right one straight away.

    Best bank for small business

  • Step 2: Lowest charge business bank accounts

    Three accounts stand out, based on charges:

    The Santander* Start Up Business Account offers unlimited free day-to-day transactions for a year – or 18 months if you’re already a Santander customer. It also pays 0.25% in-credit interest. After the end of the free period, you can choose from four different fees between Ј7.50 and Ј40/mth depending on monthly cash deposit withdrawal limits (you can choose from Ј1,000 to Ј10,000).

    NatWest’s Start-ups package has18 months of free unlimited transaction banking. After that, you revert to their standard tariff, at which point you pay per transaction. You can open the account if you started trading within the last 12 months, and the company’s turnover is less than Ј1 million. Apply online, or call 0345 413 5020.

    TSB also offers 18 months free banking if you’re a start up. The free banking includes paying in & taking out cash, paying in or issuing cheques, plus paying standing orders & direct debits. Services like CHAPS transfers will be charged for.

    These are effectively just like consumer bank accounts and have limited features. So if you need complex facilities, such as an account that automatically works with accounting software or need business assistance, you can get these from banks, but at a price.

    Business banking best buy comparison sites:

    Even if you can’t find one with the services you like at a low charge, don’t give up with business bank accounts. It’s often possible to negotiate with your bank to waive the charges, so long as you stay within set transaction constraints, for example, a maximum of 10 requests to process business cheques each month.

    Step 3: Minimise the charges you pay

    Whatever the account, make your first job listing the fees that apply to it. Ensure you (and any staff) are aware of them.

    Think about how you operate to minimise charges. Make sure you’re paid by BACS rather than cheque, stick to online banking, cut down on the cash you pay into the account, use automated transactions where possible and avoid using unauthorised overdrafts.

    Make sure you check the charges in your statement, it may also help you spot problems. For example, if you accept a cheque that’s been returned unpaid by the debtor’s bank, your bank will charge you an administration cost, and you won’t get the money due. So then you can chase the payment up, and ask them to pay the incurred charges too.

    Step 4: Sweep cash into savings

    If you’re in the fortunate position to build cash up in your account, be sure to have a business savings account linked to it. Then you can sweep the money into it to maximise interest (see below).

    Get Our Free Money Tips Email!

    For all the latest deals, guides and loopholes – join the 10m who get it. Don’t miss out





  • Patriot Express Veterans Small Business Loans, business loans for veterans.#Business #loans #for

    Patriot Express Veterans Small Business Loans

    Business loans for veterans

    Veterans Benefits For Dummies

    Veterans who want to start a business should checkout the Patriot Express Veterans Small Business Loan program. Patriot Express is administered by the SBA (Small Business Administration).The SBA Patriot Express Pilot Loan Initiative provides loans for veterans who want to start a small business or expand a small business they already own.

    Patriot Express is a pilot program that officially started in June 2007, but it didn t really get off the ground and start making loans until February 2008. Because it s a pilot program, nobody knows how long it will last. If you re a veteran and you re thinking of starting your own small business, you may want to get in while the getting is good.

    Which veterans small businesses qualify for Patriot Express?

    The definition of a small business is the same for veterans as it is for other business people. When the U.S. Congress first established SBA, the fundamental question was just what numerical definition SBA should use to define small businesses, industry by industry, to determine what businesses were eligible for SBA s programs.

    Over the years SBA has established and revised numerical definitions for all for-profit industries, and this numerical definition is called a size standard.

    The most common size standards are as follows:

    500 employees or fewer for most manufacturing and mining industries

    100 employees or fewer for all wholesale trade industries

    $6.5 million or less for most retail and service industries

    $31 million or less for most general and heavy construction industries

    $13 million or less for all special trade contractors

    $750,000 or less for most agricultural industries

    If you plan to apply for a loan through the Patriot Express program, your business must meet one of these standards.

    How much can a veteran borrow under Patriot Express?

    You can borrow up to $500,000 under the Patriot Express program. The SBA will guarantee up to 85 percent of the borrowed amount for loans of $150,000 or less and up to 75 percent for loans over $150,000 up to $500,000.

    The U.S. government doesn t actually lend you the money. Instead, it guarantees a large percentage of your loan to the lender. In other words, if you default, the government repays the lender the lion s share of the loan. Think of it as having your favorite Uncle Sam as your co-signer.

    You don t need to provide collateral for many loans, but for loans above $350,000, lenders are required to take all available collateral.

    Interest rates can vary, depending on certain factors, but the SBA guarantees it will use its lowest small business loan rates under the Patriot Express program. These rates are generally 2.25 to 4.75 percent over prime, depending on the loan s size and time to maturity. Interest rates are usually on the high end for larger loans and loans with a longer repayment period.

    Which veterans are eligible for Patriot Express?

    Most veterans, and even some spouses of veterans, are eligible for the Patriot Express program.

    Veterans (except those with a dishonorable discharge)

    Active-duty members eligible for the military s Transition Assistance Program. This includes military retirees within 24 months of separation and other active-duty members within 12 months of separation.

    Reservists and National Guard members

    Current spouses of any of these folks

    The widowed spouse of a service member or veteran who died during service or of a service-connected disability

    Do veterans need to create a small business plan?

    Even though you re a qualified veteran, you can t just walk into a lender and get a small business loan, even under the guarantees of programs such as Patriot Express. The lender wants to know that your business is likely to succeed and that you ll be able to repay the loan. In other words, they want to see a solid business plan.

    A business plan precisely defines your business, identifies your goals, and serves as your firm s resume. Its basic components include a current and pro forma balance sheet, an income statement, and a cash flow analysis.

    A business plan helps you allocate resources properly, handle unforeseen complications, and make the right decisions. Because it provides specific and organized information about your company and how you will repay borrowed money, a good business plan is a crucial part of any loan package. Additionally, it tells your sales personnel, suppliers, and others about your operations and goals.

    Writing a solid business plan isn t an easy task, so you ll probably need help. The SBA has an excellent tutorial on writing the perfect business plan for your small business. You can access the tutorial online at the SBA s website.

    To find a lender that works with the SBA s Patriot Express program, contact your local SBA district office.





    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.





    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





    Compare Business Insurance Quotes Online at GoCompare, insurance for business.#Insurance #for #business

    Business insurance

    Compare business insurance quotes and find commercial cover with Simply Business [1]

    • Compare quotes from the likes of Axa, Zurich, Hiscox, Groupama, Brit and more
    • Cover for public and employers’ liability, buildings, contents, tools and equipment
    • A UK-based contact centre to answer all your business insurance questions

    Insurance for business

    What should I look for with business liability insurance?

    Is your business protected with employers’ liability cover?

    What does public liability insurance cover?

    How much does liability insurance cost?

    How long does liability insurance offer protection for?

    Does your car insurance cover your business usage?

    We’ve teamed up with Simply Business [1] to find business insurance policies that are as diverse and specialist as your company, big or small.

    Get informed


    • Looking for public liability insurance for your business?
    • Read more guides and tips in the Business insurance briefcase

    Pin down a policy today, and give yourself more time to get down to business.

    What’s business insurance?

    Business insurance includes cover that protects you and your company from financial damages andbuilding or contents losses, relevant to your field or specialism.

    Broadly speaking, the most popular business insurance policies include public liability, professional indemnity and employers’ liability, with good reason:

    Public liability insurance

    Hell hath no fury like a scorned member of the public, especially when it comes to claims.

    Public liability insurance protects you if you damage their property, if they have an accident on your premises, or if you provide any advice or service (that doesn’t pan out) for a fee.

    Professional indemnity insurance

    If one of your customers sues you because you’ve damaged their property, or they claim you haven’t fulfilled your duties, professional indemnity insurance to the rescue to cover your legal fees.

    Employers’ liability

    It’ll cover the cost of the compensation plus legal fees if an employee sues you if they’re injured, or they contract a disease at work.

    But different policies will include all sorts of other cover, and you can make your policy suit the nuances of your business – fancy, eh?

    You can read all about more specialist business insurance in our guides and tips filed away in the Business insurance briefcase.

    Company insurance comparison


    Business notes


    • Employers’ liability insurance is compulsory for businesses that have one or more employees
    • Glass and shutters insurance can cover replacement following accidental or malicious damage

    To compare business insurance for your company, you’ll need details about your business and the level of cover you want. That includes public or product liability insurance, professional indemnity cover, buildings insurance, revenue protection or business interruption cover, protection for your business and office equipment and stock.

    Start your business insurance quote

    Have to hand info about claims made by your firm in the last five years, or any pending.

    Depending on the sort of cover you choose, you may also be asked for some more detailed info about your company and its work.

    You’ll then either be presented with your quotes online, or – if your circumstances don’t allow for an instant quote – your details will be passed on to an insurance specialist to look at.

    Need to know more about business insurance?

    Simply Business has insurance specialists on hand in the UK to chat through any questions you have, so don’t be nervous – give them a call if you’re unsure.

    But, we’ve also got heaps of guides, tips and factoids stowed away in our Business insurance briefcase to help you with any quandaries – we’re straightforward, so you won’t find buzzwords or marketing jargon here.

    The guides help you with your first steps, such as sensible levels of cover, business contents insurance, business buildings insurance, differences if you’re a landlord or a tenant, options for working from home, and insurance for your business assets and equipment.

    We unpick the technical cover, too. Watch out for guides to liability insurance, professional indemnity insurance and employers’ liability insurance.

    Plus, check out info about goods in transit cover, business travel insurance, business interruption cover, commercial legal insurance, fidelity guarantees, and insurance cover for tools, data processing, engineering, credit, loss of cash, and glass and shutters.

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  • Business Insurance quotes, Public Liability Insurance, NRMA, insurance for business.#Insurance #for #business

    Business Insurance

    Protect yourself and your business against claims for negligent acts, which cause personal injury and/or property damage to others with Public Liability Insurance.

    As a tradesperson you do a lot to protect yourself at work. Don’t forget to protect your business too. Our Business Insurance has the cover to do just that.

    Are you a doctor, lawyer, accountant, architect, real estate agent or other type of professional service provider? Our Business Insurance has the cover to protect your business.

    Insurance for business

    Other products we offer

    Hobby Rural Farm

    Save up to $75 when you buy Hobby Farm Insurance online.

    Whether you’re a grazier, grower, dairy farmer or have a hobby farm, our Farm Insurance has the cover to protect your farm.

    Retailers

    Save up to $75 when you buy online.

    Are you retailing goods or services? Our Business Insurance has the cover to protect your business.

    Property Owners

    Protecting Commercial properties you own now and for the future is easy. Our Business Insurance has the cover to protect your business.

    Hospitality

    Save up to $75 when you buy online.

    You have a passion for making great coffee and creating amazing meals. Our Business Insurance has the cover to protect your business.

    Motor Trades

    Motor Trade Insurance is here to help mechanics, panel beaters, detailers and more. Get a quote from NRMA Insurance online

    Domestic Services Repairs

    Save up to $75 when you buy online.

    If you provide services such as the local handyman, domestic cleaner, pet groomer, dressmaker or the like, our Business Insurance has the cover to protect your business.

    Health Medical Services

    Save up to $75 when you buy online.

    Are you a doctor, veterinarian, dietician, osteopath, or offer a type of health or medical service? Our Business Insurance has the cover to protect your business.

    Home Business

    Nowadays more and more people are discovering the joy of working from home. Make sure you have the correct level of cover to protect yourself and your business.

    Insurance for business

    Shannon is a builder who transforms interiors. He shares the opportunities and challenges that have come with running his own business.

    Insurance for business

    Vicki is a chef and passionate about food. She talks about what she’s learnt about business since starting her own catering company.

    Insurance for business

    Sevi is a florist who always wanted to have her own business. She explains about how long hours, finding great staff and having good insurance have helped her to success.

    Download our free NRMA app

    NRMA Insurance is a provider of car insurance, motorcycle insurance, home insurance, business insurance, travel insurance, boat insurance, caravan insurance, life insurance, income protection and security in NSW, QLD, ACT TAS. Get your insurance quotes today. For insurance in other states and territories visit SGIO in WA or SGIC in SA. NRMA Insurance is part of the Insurance Australia Group. Business address 388 George St Sydney, NSW (This address is unable to assist with enquiries) for any question or queries please contact us.

    *National Roads and Motorists’ Association Limited ABN 77 000 010 506 (the NRMA) is a separate independent company from NRMA Insurance.

    For more information about our products visit our sitemap. Insurance (except Travel insurance and Income Protection) issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. When making decisions about our insurance policies you should consider the applicable Product Disclosure Statement.

    The Loyalty Discount replaces our previous discount structure, and applies to new eligible policies which commence on or after 16 March 2014, and renewing eligible policies which commence on or after 28 April 2014. For more details, please refer to the Premium, Excess Discounts Guide.

    Visit our online terms and privacy security statement | Visit Money Smart for financial guidance from ASIC to help you make informed choices.





    What is Ecommerce, names for businesses.#Names #for #businesses

    What is Ecommerce?

    Article Rating: 3 / 5 Votes: 903

    Electronic commerce or ecommerce is a term for any type of business, or commercial transaction, that involves the transfer of information across the Internet. It covers a range of different types of businesses, from consumer based retail sites, through auction or music sites, to business exchanges trading goods and services between corporations. It is currently one of the most important aspects of the Internet to emerge.

    Ecommerce allows consumers to electronically exchange goods and services with no barriers of time or distance. Electronic commerce has expanded rapidly over the past five years and is predicted to continue at this rate, or even accelerate. In the near future the boundaries between “conventional” and “electronic” commerce will become increasingly blurred as more and more businesses move sections of their operations onto the Internet.

    Business to Business or B2B refers to electronic commerce between businesses rather than between a business and a consumer. B2B businesses often deal with hundreds or even thousands of other businesses, either as customers or suppliers. Carrying out these transactions electronically provides vast competitive advantages over traditional methods. When implemented properly, ecommerce is often faster, cheaper and more convenient than the traditional methods of bartering goods and services.

    Electronic transactions have been around for quite some time in the form of Electronic Data Interchange or EDI. EDI requires each supplier and customer to set up a dedicated data link (between them), where ecommerce provides a cost-effective method for companies to set up multiple, ad-hoc links. Electronic commerce has also led to the development of electronic marketplaces where suppliers and potential customers are brought together to conduct mutually beneficial trade.

    The road to creating a successful online store can be a difficult if unaware of ecommerce principles and what ecommerce is supposed to do for your online business. Researching and understanding the guidelines required to properly implement an e-business plan is a crucial part to becoming successful with online store building.

    What do you need to have an online store and what exactly is a shopping cart?

    Shopping cart software is an operating system used to allow consumers to purchase goods and or services, track customers, and tie together all aspects of ecommerce into one cohesive whole.

    While there are many types of software that you can use, customizable, turnkey solutions are proven to be a cost effective method to build, edit and maintain an online store. How do online shopping carts differ from those found in a grocery store? The image is one of an invisible shopping cart. You enter an online store, see a product that fulfills your demand and you place it into your virtual shopping basket. When you are through browsing, you click checkout and complete the transaction by providing payment information.

    To start an online business it is best to find a niche product that consumers have difficulty finding in malls or department stores. Also take shipping into consideration. Pets.com found out the hard way: dog food is expensive to ship FedEx! Then you need an ecommerce enabled website. This can either be a new site developed from scratch, or an existing site to which you can add ecommerce shopping cart capabilities.

    The next step, you need a means of accepting online payments. This usually entails obtaining a merchant account and accepting credit cards through an online payment gateway (some smaller sites stick with simpler methods of accepting payments such as PayPal).

    Lastly, you need a marketing strategy for driving targeted traffic to your site and a means of enticing repeat customers. If you are new to ecommerce keep things simple- know your limitations.

    Ecommerce can be a very rewarding venture, but you cannot make money overnight. It is important to do a lot of research, ask questions, work hard and make on business decisions on facts learned from researching ecommerce. Don’t rely on “gut” feelings. We hope our online ecommerce tutorial has helped your business make a better decision in choosing an online shopping cart for your ecommerce store.

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    How to apply

    Visit your local

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    Government Grants for Small Business

    With a Canada Small Business Financing Act Loan (CSBFL), TD Canada Trust and the Government of Canada work together to help you with the financing of your existing business or start-up. A CSBFL can help you get the loan you need to expand, purchase, or improve the fixed assets within your business.

    Features of the CSBFL include:

    • Loan amounts available up to $1,000,000 1
    • Financing available for up to 90% of the “Eligible Costs” 2 of assets financed
    • Monthly repayment frequency with a choice of terms, up to a maximum of 10 years. A repayment schedule reflecting an amortization of up to 20 years may be available 3
    • Competitive fixed and floating interest rates are available
    • Personal guarantee required, starting at 25% of the loan amount 4
    • Loan may only be used for certain purposes
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    • A 1.25% Administration Fee is included as part of your interest rate
    • Standard TD Canada Trust Set-up fees apply

    Do you qualify?

    Here are some of the government’s requirements 5 for a CSBFL:

    • Your business operates or is about to operate in Canada
    • Your business’s annual gross revenue is less than $10 million in the year you apply
    • Your business is for profit, and is not a farm, charity, or religious enterprise
    • The assets purchased or improved must be used in your business




    Government Small Business Loans, loan for small business.#Loan #for #small #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.





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    Government Grants, government grants for small businesses.#Government #grants #for #small #businesses

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    GrantCanada.com is an online list of grants, loans and assistance programs for Canadian individuals and businesses. We will save you many hours, even weeks or months of searching. Get money for a job or for starting/expanding a business. Finding sources of funding is often the single biggest challenge for someone wanting to start or expand their business. Billions of dollars are given out annually by government agencies and foundations in Canada but most Canadians don’t even know these agencies and foundations exist, or how to contact them. You could order the program(s) and we will send you the information.

    General Business Programs:

    Start up and expansion capital for the purchase of equipment, supplies, real estate premises, machinery, technical knowledge, vehicles, computers, website development, office lease, office renovation, and office furnishings. Finance ranges start from $1000 to a maximum of $10 million.

    Employee Assistance Programs:

    Programs for hiring, training or retraining employees.

    Specific financing programs for women in Canada to assist the start or expansion of a business. Financing up to $100,000.00 available.

    Operating Capital Programs:

    Programs to provide operating lines and expansion potential.

    Product Development Programs:

    Programs for initial discovery, prototype rendering, product and market assessment, production methodology, and market penetration.

    Business Planning Programs:

    Expert technical and financial business planning and company assessment in relation to domestic and international competitors.

    Crown Asset Selling Programs:

    Excess Federal and Provincial assets are sold at a deep discount to wholesale market prices. Assets available include computers, machinery, vehicles, equipment, furniture, among others.

    Research and Development Programs:

    Programs to develop ideas in the knowledge industries.

    Non-Profit Organizations Programs:

    Programs to assist organizations and charities to address timely and continuing social issues.

    Import And Export Programs:

    Programs to transact business across borders for new or currently existing importers and exporters. Financing for expert market penetration studies, trade show participation, trade representation, transaction financing and insurance protection.

    Community Development Programs:

    Programs to assist downtown improvement, community organization development, facility construction and redevelopment, and specific community group programs.

    Government Procurement Programs:

    Federal and Provincial governments provide opportunities for your company to supply goods and services for government purchase.

    Market Improvement Programs:

    Programs to increase market share within or outside Canadian borders.

    Programs to increase visits for small to large tourist industry operators.

    Youth Business Programs:

    All persons aged 15 – 30 are eligible for financial and consultative programs specific to youths.

    Programs are available to various businesses including, but not limited to: retail, immigrants, Aboriginal persons, manufacturing, municipalities, environmental, agri-business, oil and gas exploration and services, forestry, daycare, arts and culture, sports clubs and facilities, health industry and mining.





    Government grants for small businesses, Sage Advice UK, government grants for small

    Government grants for small businesses

    With the government pledging to help SMEs through the stages of start-up and growth, there is a range of funding for small businesses to take advantage of. Follow our guide to government grants.

    Regional Growth Fund (RGF)

    Businesses looking for funding of less than £1 million, can apply for support through Regional Growth Fund programmes. These are schemes run by national or local organisations that have been awarded RGF cash to offer grants and/or loans to eligible businesses.

    Since 2011, £1.7 billion has been allocated to RGF programmes, supporting more than 9,400 small and medium-sized businesses. To be eligible, your business must be based in England, have a growth plan, create or protect jobs, and be investing private capital. See a list of live RGF programmes and funding opportunities.

    Start-Up Loans

    This government-funded initiative provides loans, mentoring and support for start-ups or very small, early-stage businesses with potentially viable propositions but who are unable to attract investment from high-street banks.

    To be eligible, businesses must be yet to launch or have been trading for less than 12 months. The scheme provides free business planning to ensure applicants are in the best possible position to receive funding. Every loan application is considered according to the needs of your business, with an average loan size of around £6,000. The final loan size will be determined by your business plan. Find out more about Start-Up Loans.

    Guide to alternative funding

    Discover 10 sources of funding for your business and how to apply in our essential guide for startups and small businesses.

    Government grants

    Small businesses grants are available from the UK government, the Scottish Parliament, the Welsh Assembly and the Northern Ireland Assembly. Each grant provider has its own application process and criteria for applying.

    For a full list of providers use the government s business finance support finder. This tool allows you to search for funding opportunities based on the location, size and type of business you run.

    UK Export Finance (UKEF)

    UK Export Finance helps UK exporters by underwriting bank loans offered to overseas buyers of UK products and services. This means it takes on the risk of the loan from the bank, so that the bank is more likely to offer it.

    It can also help UK exporters to raise tender and contract bonds and access working capital finance. To be eligible for export insurance, your business must be based in the UK and the buyer must be overseas. Find out more about UK Export Finance (UKEF).

    Business Finance Partnerships

    With government investment of £1.2 billion, the Business Finance Partnership is designed to diversify the sources of funding available to small and medium-sized businesses via non-bank lenders.

    Loan terms will vary, but businesses can directly apply for finance with a number of non-traditional fund managers and lenders. Find out more about Business Finance Partnerships.





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    Didn’t make a profit this year?

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    $60m in Grants to encourage Smart Farming Partnerships

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    Government grants for small businesses

    NSW Government is offering a payroll grant of up to $6,000 to any eligible NSW businesses employing new.





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    Small Business Loans – Over 4,000 Sources

    5 Common Business Credit Card FAQs

    Signing up for a business credit card can be very fiscally beneficial to your growing company. Before submitting that application, however, you should become familiar with five of the most frequently asked questions about business credit cards. 1. Can a startup business qualify for a business credit card? Yes, startup companies are eligible for credit cards as soon as they are officially established. In order to qualify, credit card lenders will use the owner’s personal credit score and income. 2. [ ]

    8 Sources of Funding for Small Businesses

    Finding enough cash to get your small new business started or keep it running can be one of the biggest challenges you face as an entrepreneur. Here is a list of 8 different sources of business funding that can save your company’s future: 1. Friends and Family Before you groan at the idea of hitting up your loved ones for cash, you should know that friends and relatives are one of the most common sources for startups. No one knows you or believes in you more than this crowd. And they may be [ ]

    What is the Small Business Adminstration’s SBIC Program?

    One of the major aims of the Small Business Administration is to provide access to working capital for qualified new and growing companies. The SBA does not directly lend money to entrepreneurs however. In addition to its SBA loan program, it also offers a venture capital system called the Small Business Investment Company (SBIC.) Here’s what you need to know about this program: The SBIC was established in 1958 by Congress in order to get more financing to growing businesses. It allows [ ]

    How to Create the Perfect Business Equipment Loan

    Adding new, updated equipment is often the best way to keeping your small business at the forefront of competition while simultaneously increasing your profits. New equipment can be very expensive though, requiring your company to seek business loan funding. While securing small business financing can be tricky, doing a little research can help you put together the right loan package for your firm. The first step is to determine your loan needs. How much money do you need to borrow? How quickly [ ]

    3 Things You Must Know to Acquire Expansion Financing

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    Using a 504 Loan for a Commercial Loan

    When your business is ready to purchase a property or building, one great option for financing is to use a Small Business Administration 504 loan for your commercial mortgage. This government-backed and funded program provides great loan terms and safe financing. Here’s what you need to know: The 504 Loan program was created in 2012 to provide funding to expanding small businesses. It can be used to finance several types of business growth, including commercial mortgages for the purchase [ ]

    Is Retail Financing Right for Your Business?

    For companies whose products have a high sticker value, being able to offer customers multiple payment options is essential. Accepting credit cards, cash and checks are fairly standard, but there are also other financing choices that could help give your business a competitive edge. One of these is retail financing. Sometimes called customer financing or consumer financing, retail financing provides customers with a short term installment loan for purchases above a certain level. Here’s how [ ]

    The 3 Blessings of Bootstrapping

    Venture capital is a buzz phrase these days among entrepreneurs. Young companies that have secured business funding from venture capital are seen as rising stars with great potential. And yet, while large initial investments can help a company get off the ground, there are plenty of reasons why bootstrapping may be a better idea. Here are the top three: 1. Autonomy There is no substitute for having total control over your business. It is your brainchild, after all. You are the one who is passionate [ ]

    Business Loans: Assessing Your Collateral

    Every small business will need an infusion of cash at some point. When the need arises, a business loan with a traditional lender generally has the best interest rates and loan terms. It also requires more from borrowers though, including some form of collateral. The bank will examine your business credit as well as your revenue and your company’s financial history. If the lender determines you have enough income to repay the loan, the bank will also ask you to provide collateral a secondary [ ]

    5 Ways to Prep before Applying for a Small Business Loan

    You’ve hit a wall in your business growth. You need more working capital. A small business loan can be the safest and cheapest way to obtain the funding your company desperately needs. The requirements can be stringent and the application process can be extensive. Here are 5 ways to be prepared for small business loan success. 1. Prepare to Explain the Reasons for Your Loan In order for a lender to approve your loan proposal they will need to see a convincing reason for the funds. If you are [ ]





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    A monthly cash competition for the UK’s brightest small business stars

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    About the grant

    As the leading advice website in the small business space, SmallBusiness.co.uk receives many requests every month from would-be entrepreneurs and existing company owners asking what financial assistance is available to help them, start, run, grow and succeed.

    Whether you are running a cafe, operating a business from home, or perhaps managing a franchise, you will need funds to establish and grow your company. Depending on the type of business, this requirement may vary from a few hundred pounds to multiple thousands.

    While some companies may be able to get away with minimal investment in equipment, staff and marketing, others will be faced with significant expenditures that are key to establishing their company.

    The Small Business Grants initiative will help small businesses in this area, offering monthly financial assistance to maximise their chance of success.

    Every month, one business deemed by our panel of judges to be the most deserving will benefit from a £5,000 financial grant, as well as being featured on SmallBusiness.co.uk as a monthly winner.

    We look forward to receiving your applications for this exciting initiative. Good luck!





    The Business grants and funding available to UK small businesses, grants for

    Government Grants

    The government grants section has a wealth of articles and advice on how UK small businesses can get a grant from both the public and private sector, along with helpful guides on the different types of business grants and funding available to business owners starting and running a business.

    A small business grants guide for 2017

    Here, Peter Fleming takes a look at a range of options for funding your business through grants this year.

    There are many European and UK-wide government business grant schemes; there are also local business funding schemes provided through Local Enterprise Partnerships (LEPs) or through local authorities and organisations such as the Chambers of Commerce. However there were 512 registered schemes at the last count! So a good place to start your research is on the government website.

    Business grants are available at a local and national level and usually sector specific. They offer between £1,000 and £100,000 for SMEs, but funds can be unlimited for larger businesses within EU state aid programmes.

    With grants you don’t pay the money back. However, it’s worth noting there will be clawback terms if you falsify claims in respect to expected outputs set by the grant scheme. Therefore, ensure your application is captivating and thorough as it will go through a due diligence process.

    Normally there are two stages, submitting an Expression of Interest (EOI) to ensure your business and grant application meets the scope of the grant call and then a full application process whereby you will need to supply, market research, a business plan and at least 1-3 years of financial forecasts.

    Throughout the process, you will need to justify there is additionality i.e. not just the reason why you need funding, but by obtaining a grant, how many new jobs you will create, if you’re opening up new markets or export opportunities or that your idea could be a game changer.

    It is always worth getting a second opinion regarding the feasibility and strength of your application against the grant objectives and any regional strategic economic plan. Therefore speak to your accountant, a local business adviser or the Growth Hub.

    The larger grant opportunities can be competitive and therefore be a long-drawn-out process, taking several months in some cases to receive just an offer. So if you are looking for subsidies and money quickly a grant may not be the right solution for your business.

    It is also worth noting if your application is successful, grant moneys are not paid upfront but claimed normally at the back end of the project or even after any intervention is completed.

    Therefore you will need to use your own cash reserves and any other funding prior to drawing down the grant money. I have even known businesses take out bridging loans till they have received their grant funds.

    Some key areas of your business whereby you could access business advice or a grant;

    Business advice and support, whether you are pre-start, a new start or an established business, there are regional Business Growth Hubs across the UK whereby you can obtain free or funded advice. You can normally obtain specialist support to devise a business growth strategy, do market research to create a sales and marketing plan, implement social media management or even get advice on how to apply for further funding.

    Note each UK region may have a focus on specific business sectors, business sizes and locations, as eligibility can be even post code specific.

    Skills and development government grants

    The Skills Funding Agency oversees the current apprenticeship scheme, however on May 1st 2017 the new Apprenticeship Levy scheme starts whereby your business could access subsidised training and development to upskill existing employees to even Master’s degree level.

    Many regional Universities, Colleges and further education organisations will be offering a multitude of subsidised short courses or funded degree level programmes which will help you develop your existing staff to be the managers and directors of the future.

    If your business is within a rural development area and looking to grow, invest in infrastructure, machinery or seek specialist advice to diversify. Or if your business is involved with forestry and land projects the government have a scheme called LEADER managed through Local Action Groups.

    The Carbon Trust Green Business Fund is a new energy efficiency support service for small and medium-sized companies in England, Scotland and Wales.

    It provides direct funded support through energy assessments, training workshops, equipment procurement support and up to £10,000 capital contribution towards the purchase of energy saving equipment.

    Manufacturing is an area which is increasingly supported through grant schemes. Therefore if you manufacture textiles, specialist tooling, operate in the digital market, within the nuclear supply chain or need support for international trade, or manufacture in many other sectors, there is likely to be a grant scheme that your business can access.

    Innovation, Research and Development

    Innovate UK, offers support and funding to help businesses develop new products and services and bring them closer to market, this may be to bring people together to share ideas, tackle challenges and make new technological advances.

    They targets technologies and areas with the greatest scope to improve business, the economy and society.

    Local Enterprise Partnership

    For anyone looking for grants at the moment, the go-to people will be their Local Enterprise Partnership (LEP). One of the main functions of the LEPS is to generate economic growth and so many have their own grants programmes.

    In addition, most provide some form of business support and advice. As part of the business advice service they collate information on local and national grants and will signpost business owners to the relevant organisations.

    Another great source of information is the government ‘Business is Great’ website which has a page dedicated to a number of funds to support innovation.

    There is also is an EU tool which does a better job than anything I’ve seen of clarifying what finance is available across the EU including although is does require some persistence in searching to get to the information.

    For companies and individuals with ground breaking research which may require significant funding there is also Horizon 2020:

    Grant funding is not for everyone but could give your business the boost it needs. Proper preparation, thorough research, getting professional advice and being able to clearly explain why you require your grant funding is more likely to lead to a successful application. And, as a result, help you obtain the financial support for a better, bigger and more profitable business for you.





    How to Apply for Women and Minority Owned Business Grants, business grants

    How to Apply for Women and Minority Owned Business Grants

    Business grants for women

    Asian business woman image by huaxiadragon from Fotolia.com

    Related Articles

    • 1 Grants for Minority First Time Business Owners
    • 2 List of Grants for African-American Women to Start a Business
    • 3 Grants for Minority Women Wanting to Start a Small Business
    • 4 How to Register a Business As Minority Owned

    Women and visible minorities who own their own businesses may be eligible for a variety of grants. Learn how to find them and apply for them.

    Women and visible minorities can take advantage of grants offered by private institutions and, less often, government agencies. The key to winning a grant is ensuring that your business goals are aligned with the purpose of the grant and that you submit a professional application. With a bit of study and practice, however, you can gain confidence and hone your grant-writing skills, allowing you to tap into the resources of organizations that promote female and minority entrepreneurship.

    Select specific grant programs that match your business and personal situation. Take note of each granting organization’s name and contact information, and compile a list of all grants for which you are eligible. Select a range of options – grants for women only, minorities only or both – if you are both a woman and a part of a minority group; this will give you a wider range of possibilities. Begin your search at Grants.gov for federal funding, and SRA International or Business Owners’ Idea Cafe for private funding sources (see Resources).

    Research the granting organization thoroughly. Visit its website and read any news articles or press releases related to the organization. Look into the types of organizations and projects that the organization funds, and research specific grant-winners, if possible. Focus on the exact purpose of the awarded grants. Grants may be awarded purely to promote female and minority entrepreneurship, for example, or they may be granted to organizations whose programs directly benefit women and minorities in general.

    Contact the granting organization and ask for guidance in preparing your grant proposal. Ask a representative to speak with you about the grant proposal process, explaining such things as preferred submission formats and length, the organization’s specific areas of interest and any other grant opportunities for women and minorities that may be available. Keep your new contact’s name and information as you did with the notes you took in step one.

    Create your grant proposal. The proposal should include a description of your organization, including its mission and product offerings, and a needs assessment that clearly explains the need your company serves. Focus specifically on how your organization will promote the goals of the organization that offers the grant.

    Create a thorough description of your products, services and business model, and include it in your grant proposal. Add a budget, projected financial statements and a detailed summary of how you plan to spend the grant money. End the proposal with professional biographies of yourself and your top-management team. List the names of any women or minority associations or groups of which you are a member.

    Create an executive summary after all other sections are done and place it at the beginning of the grant proposal document.

    Submit your grant proposal to your contact or designated recipient in the granting organization. Follow all format and submission instructions when sending in your proposal, and include a brief cover letter introducing yourself and your company, while thanking the grant reviewers for their time.

    Ask your contact in the granting organization if members of the grant proposal review committee would be willing to look over your proposal and provide feedback before the submission deadline. It never hurts to ask, and this could provide invaluable insight and increase your chances of receiving a grant.





    Government Grants, Government Loans and Free Grant Money, grants for business.#Grants #for

    Government Grants for Business, Education and a

    Wide Range of Financial Assistance

    Discover how you can Receive Government Grants for your Project or Venture.

    Billions in Free Government Grants are funded by the United States Government yearly and countless millions daily by private and corporate foundations, and all the funding for these programs come from your tax dollar and company profits.

    The Federal Government and these Private Foundations expect you to find out about it’s government grant money programs all by yourself. But that’s almost an impossible task, because there are so many different types of grant programs and Foundation give-a-ways that it would be a full time job just to keep track.

    The Government is not hiding this information from you, it’s just that our elected officials spend all of their time developing these government programs and services and very little time promoting them.

    Today! Free Government Grants and Foundation Funds are available for entrepreneurs, students, businesses, inventors, minorities, veterans, the unemployed, youth services, communities, home and real-estate buyers, artists, musicians, nurses, teachers, researchers and that’s just to name a few.

    There Are Literally Billions In Grants For Any Worth While Propose!

    And The Best Part Is, You Never Have To Pay It Back!

    Grants for business

    Government Grants Are Interest Free And Non Taxable!

    Grants for business

    Government Grants Require No Credit Checks Or Cosigners!

    Grants for business

    Government Grants Require No Security Deposits Or Collateral!

    IT’S TIME FOR YOU TO TAKE ADVANTAGE OF THIS COUNTRY’S BEST KEPT SECRET!

    Grants for business

    Our staff has researched and compiled a program that will find you Government and/or Foundation Funds. America’s Directory To Grant Resources will provide you with thousands of grants and funding sources, which provides Government Agency Resources, Corporate and Private Foundation Funds. Including Names, Addresses, Phone Numbers, Web Sites, Contact Personal, Proposal Writing, Contact Procedures and the type of funding they issue.

    Grants for business

    If you place your order now, you will receive a Free Consultation with our Grant Assistance Specialists . Our grants specialist will help you fill out a complete profile of your present situation and give you the assistance needed in developing and executing a plan that will help you achieve your financial goals. This personal assistance can help you find the grant that is tailored to meet your needs.

    Government Grants Q A

    A: No, The Government wants you to take advantage of their grant programs so each agency will be eligible for additional funding the following year.

    They Must Give This Money Away.

    Q: How do I get paid?

    A: The Government or Foundation agency will send you an acceptance letter with your award amount.

    Q: Will bad credit interfere with obtaining Government Grants?

    A: NO, In fact grants are not based on your credit. This is not a loan, even the unemployed receive Federal Government Grants.

    Q: What is the average grant amount awarded?

    A: $500.00 to 50,000.00 is average, but it depends on what the grant will be used for. Businesses that benefit the communities have been awarded $250,000 to millions in Government Grants.

    Grants for business





    Business Grants for Women Entrepreneurs – Government Grants, grants for business.#Grants #for

    Women Entrepreneurs UK

    Funding, loans and help

    Business Grants for Women Entrepreneurs

    “There are various grant types in the UK, and women who are applying for grants must see where they fit in and make appropriate applications. “

    Women business grants have an added significance in the UK because of the large number of mumpreneurs starting out with their careers presently. The UK government is quite alive to the fact that a larger number of women entrepreneurs will mean an improvement in the national economy as a whole. For that reason, there are some laxities in terms of providing women business grants in the UK. Here we see some details.

    Eligibilities for Grants

    1. Your grant eligibility will depend on where in the UK you are located. Different areas have different rules here. If you are located in a socially deprived area or an area where unemployment is quite high, then you have a better chance to get a business grant.
    2. The size of the business is another important concern. Larger businesses or businesses that have a better turnover stand a better chance for getting business grants. For most women business grants, the eligibility is for people who run businesses of fewer than 250 employees.
    3. The European Commission defines the criteria for business funding. To be considered worthy of a grant, the application has to be closely scrutinized by the Commission.
    4. The objective for the grant is also of importance. Women who apply for business grants in the UK have to mention what they want the grants for, such as improvement of working area, purchasing equipment and machinery, developing an export market or expanding the number of employees.
    5. Most importantly, the grant providers have certain objectives in mind with the grants that they provide. When they consider grant eligibilities, they see if giving out a particular grant meets with their predefined objectives.

    Different Types of Women Business Grants in the UK

    There are various grant types in the UK, and women who are applying for grants must see where they fit in and make appropriate applications. Here is a list of the different types of business grants that are available.

    Grant for Business Investment (GBI)

    This is a basic type of grant that is provided to buy the venue for business, tools and equipment, machinery, etc. As such, these grants are for capital investment needed for business. This grant has different local names. In Scotland, it is known as Grant for Regional Selective Assistance (RSA) and in Northern Ireland, it is known as the Enterprise Northern Ireland Loan Fund (ENILF). Their rules and restrictions are different from one another as well.

    Research and Development Grants

    These are grants provided for the promotion of innovations in terms of research and development. If a business is associated with producing an innovative product that can benefit society, or is endeavoring to do so, the business becomes liable for a grant.

    Business Solutions Grants

    Women who make suitable proposals for running profit-making businesses stand to become eligible for business solution grants. These women might ask for grants in various departments of their business solution exercise. For instance, they might apply for a grant just for the starting up of their business, finance management, skills and training development, implementing resources and ideas and such. Women who are looking at expanding their businesses by harnessing specific international opportunities are likelier to win business grants within the UK.

    Shared Knowledge

    Another interesting criterion for women business grants in the UK is the businesses that use some kind of research and development for their SMBs. These businesses might partner with educational and academic institutions to further their research and development pursuits.

    Training and Skills

    This is a program that is specific to England. This is a service that helps businesses find out what kinds of skills they will need to operate and then they plan out various training modules for them to reach these skill goals. This program, called as Train to Gain, funds and even implements the requisite training for the growth of the business.

    Applying for Women Business Grants in the UK

    The first step in making the application is to find out which scheme you fit in. This is of extreme importance as grant eligibility essentially influences grant approvals.

    Additionally, some preliminary groundwork needs to be done.

    1. You have to ensure that you have some investment to make on your own steam. No grant in the UK will cover for all the financial needs of your business.
    2. You have to convince the grant providers that you will use the grant money only for the stated person and not contrarily. This is verified regularly by the various grant providing bodies.
    3. You need to get an agreement about the grant that has been accorded to you. Without getting this agreement, you mustn’t start any of the business related work.

    Once you have identified the area you fit in, you can make your grant proposal. This proposal needs to be extensive and elaborate and must include the following points:-

    1. A complete description of your project must be made. This helps the grant providers ensure whether or not they want to give you the grant.
    2. You have to lay bare the various advantages that the project will provide to society.
    3. A complete plan of your work must be mentioned, along with the expenses involved at each step.
    4. If you have any experiences in the same field as the one you are applying for a grant in, you have to mention that. You can enhance your application by adding the experiences of all the managers involved with the project.
    5. The application forms must be completed in all respects. Forms with incomplete areas might risk rejection.
    6. A detailed business plan could be a good idea to go with the grant proposal, but this is not a mandatory requirement.

    What needs to be understood that it is easy to get women business grants in the UK, provided some eligibilities and requirements are met. You need to see where you stand and then make a proper application. For more details, you could visit the government website which is available at http://www.smallbusiness.co.uk.

    Welcome

    This website is dedicated to existing and aspiring business women and contains motivating articles on successful women entrepreneurs, challanges and hardships that women business owners face and tips on how to acquire money to set up your business, business ideas for women at home and finally a special article on Mum Entrepreneurs – Mumpreneurs.





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    Canada’s Richest People 2018: The Top 25 Richest Canadians

    Our 19th annual guide to the richest people in Canada—how much they’re worth, how they made their fortunes, and the companies that got them there

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    10 huge Canadian fortunes that started with one small business

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    How Equitable Bank reshaped its culture for a future of mobile-first finance

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    Management and behavioural science author Daniel Pink shares an optimistic view about the threats and opportunities posed to labour by A.I.

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    How to turn social media engagement into real sales

    Social media is great for audience engagement and brand awareness, but it takes a special touch to translate buzz into revenue

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    Canada’s Best Jobs 2017: The Top 25 Jobs in Canada

    What makes a job one of Canada’s Best? Healthy demand for talent, a growing workforce, and a generous salary with room to move up

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    For the Running Room, the shift to digital retail is a marathon, not a sprint

    John Stanton wanted to make exercise less intimidating. Now, customer-friendly stores are the Running Room’s biggest advantage in a digital world

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    Chase Offers $150, 000 In Small Business Grants, small business grants for

    Chase Offers $150,000 In Small Business Grants

    Grow your small business with a grant and marketing guidance from Chase and Google

    Small business grants for women

    Chase continues its ongoing commitment to to provide $3 million to local small businesses through its Mission Main Street Grants, a program that will award 20 grants of $150,000 to small businesses nationwide this year. Qualifying businesses will gain access to a marketing Toolkit from Google, a program sponsor.

    The chosen 20 grant winners will receive a trip to Google for an exclusive small business marketing workshop, a Google Chromebook Laptop computer and a $2,000 coupon toward one market research study with Google Consumer Surveys (Opens Overlay).

    Last year Samuel Gilmore was the recipient of a $200,000 Mission Main Street grant. It was 25 years ago that the former Air Force pilot founded Overnight Success Inc., a construction and supply company, in response to the high unemployment rate among African Americans in his hometown of Miami..Launched in 2012, the program has received $3 million from Chase and Google to help 20 small businesses in 2015.

    The former flier of B-52 bombers took $17,000 from his savings to jump-start the business. His first projects consisted of simple jobs such as drywall painting and putting up concrete blocks. But his company went on to win contract bids on major construction projects such as the Miami International Airport, American Airlines Arena, and other commercial developments in the Miami area, and in 2013 Overnight Success grossed $1.4 million in revenues last year. “My contracting firm has hired more than 500 people, paying these workers $15 million in payroll,” says Gilmore, the company’s president and CE

    Entrepreneurs from across the country applied in 2014 for the chance to win a Mission Main Street grant and a trip to Google headquarters. After completing the five-question application, entrants had to use social media to get at least 250 votes for their business in order to move up to the next round—in which they could be selected as a grant recipient by a panel of judges.

    “The Internet has proven to be a vital pipeline for small businesses, and it continues to connect more businesses to their customers every day,” Jon Kaplan, Google s vice president of U.S. sales and operations, said in a statement

    Out of nearly 35,000 applicants, Overnight Success made the cut and was selected as one of 12 small businesses to receive a $250,000 grant. Gilmore used the grant money to buy equipment to compete for contracts such as the Miami-Dade Water and Sewer Department’s $4.5 billion expansion project. With additional funds to help provide more employment opportunities in his community, Gilmore says winning the grant has allowed him to reassess the direction of his company and to evaluate the jobs that have benefited it the most.

    In the beginning stages of a small business, Gilmore says, it’s easy for companies to get stuck on a treadmill, taking on jobs that may not always be the most beneficial, because of the need for steady cash flow. But with the help of the Mission Main Street Grants program, Overnight Success can now be more selective about the jobs it takes on.

    In this year s contest, the grants are smaller but going to more businesses, 20 versus 12. The winners will be announced early in the year.

    The Mission Main Street Grant is among the various corporate-sponsored entrepreneurship programs and non-traditional sources of capital that will be discussed at the 2015 Black Enterprise Entrepreneurs Summit (May 13–16 at the Hyatt Regency in Atlanta), which marks its 20th year assisting startup and established entrepreneurs. The summit is a pivotal venue for small business owners to broker deals with key stakeholders, and to participate in sessions that cover topics such as accessing capital, accelerating tech startups, winning corporate and government contracts, and making value-added industry peer connections.





    Business Loans – Apply for a Business Loan Today, loans for business.#Loans

    Business Loans

    Loans for 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.

    If you wish to speak to someone: Contact Us

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    Loans for 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 ideas for college students, business ideas for college students.#Business #ideas #for

    Mayland

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    Welcome

    Mayland Community College is located in the beautiful Blue Ridge section of the Appalachian Mountains on the Avery/Mitchell county line just outside the town of Spruce Pine.

    Mayland has been serving Mitchell, Avery, and Yancey counties for over 40 years.

    MCC’s 2017 Trick or Treat Spooktacular welcomed guests to the

    Mayland Events

    In The Spotlight

    2017 Spooktacular contest winners

    MCC’s 2017 Trick or Treat Spooktacular welcomed guests to the Mitchell Campus on October 26. Trick-or treaters participated in a candy trail, with games and activities and many joined the costume contest. Winners of the costume contest were in the Ages 0-6 years old category was Colton Phillips, age 2, as Grave Digger and in the Ages 7 up category was Colby Fisher, age 7, as Tonto. The Trick or Treat Spooktacular MCC Department table contest winners were Student Services who recreated scenes from the movie Grease.

    Business ideas for college students

    Mayland Community College is located in the beautiful Blue Ridge section of the Appalachian Mountains on the Avery/Mitchell county line just outside the town of Spruce Pine. Mayland has been serving Mitchell, Avery, and Yancey counties for over 40 years.





    Bachelor of Business Administration (Honours) – International Business Management Degree Program, Conestoga

    Business ideas for college students

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    Bachelor of Business Administration (Honours) – International Business Management

    About the Program

    At the end of Year 2, students have the option of specializing in Human Resource Management (HRM), Supply Chain Management (SCM) or Marketing Management (MM), or continuing in the general stream. The Ministry has also approved specializations in Sustainability Management and Project Management and there are plans to implement them over the next few years.

    Program highlights include:

    • three paid co-op terms
    • two major consulting projects
    • use of the Ivey case analysis methodology, teaching you to solve real-world problems with a world-renowned analysis process
    • use of SAP Business Suite Applications

    Our strong international focus includes:

  • Dual degree program with the Institute of Technology Carlow in Ireland
  • A mandatory second language – at least two courses in Spanish, French, German or Mandarin; up to 4 courses in Spanish, German and French.
  • Student exchange opportunities with seventeen universities in the US, Ireland, Chile, Brazil, China, South Korea, France, Spain, Netherlands, Austria, Czech Republic, Hungary and Slovenia.
  • ScotiaBank scholarships for students who wish to study or work overseas as part of their program.

    This international degree program meets a variety of accreditation requirements:

  • Certified Associate in Project Management (CAPM) – students can write a qualification exam after completing the Project Management course in Year 1.
  • Forum for International Trade Training (FITT) – after completing 4 FITT skills-accredited courses in the first two years, students may write a FITT skills assessment to qualify for a FITT Certificate.
  • Certified International Trade Professional (CITP) – Graduates of the Marketing Management stream can write a FITT skills assessment to qualify for this designation.
  • Certified Supply Chain Professional (CSCP) – graduates of the SCM stream will be well positioned to write the CSCP exam with minimal accreditation make-up courses.
  • Certified Production and Inventory Manager (CPIM) – graduates of the SCM stream will be well positioned to write all five CPIM exams with minimal accreditation make-up courses.
  • Certified Human Resources Leader (CHRL) – the HRM stream covers all the required courses. Upon completion of all required courses with a cumulative average of 70% and no mark less than 65%, graduates may begin the CHRL accreditation process. As of October 1, 2019 the requirements will include 3 exams, 3 years of supervised HR experience and HRPA s Professional Program. Graduates of the HRM stream will also be eligible for CHRP, which is an entry-level HR designation, with fewer requirements.
  • Professional in Human Resources (PHR) – the HRM stream has been approved by the Society for Human Resource Management (SHRM). Graduates may write the PHR exam after completing two years of work experience.
  • Canadian Institute of Management (CIM) – Certified in Management upon completion of Management Aptitude Evaluation (MAE); C.Mgr. designation upon completion of degree + MAE + 4 years professional experience.

    Graduates of this program have been accepted to the following programs:

    – MBA at McMaster University

    – MBA at Wilfrid Laurier University

    – Master of Business, Entrepreneurship and Technology (MBET) at University of Waterloo

    – Master of Environment and Sustainability at Western University

    – Master of International Trade at University of Saskatchewan

    – Master of Technology, Entrepreneurship and Innovation at Saint Mary s University

    – Bachelor of Education at Lakehead University

    Conestoga is a member of AACSB International – The Association to Advance Collegiate Schools of Business.

  • Program Information

    Doon (Kitchener) – September/2018 – Fall | Winter | Fall | Winter | Spring/Summer | Fall | Winter | Spring/Summer | Fall | Winter | Spring/Summer

    Doon (Kitchener) – January/2019 – Winter | Spring/Summer | Fall | Winter | Spring/Summer | Fall | Winter | Spring/Summer | Fall | Winter | Spring/Summer

    Location: Doon (Kitchener)

    Start: September and January

    First-Year Capacity: 90 September, 25 January

    Bachelor’s Degrees in Applied Areas of Study

    Admission Requirements

    • Ontario Secondary School Diploma (OSSD), or equivalent, OR 19 years of age or older
    • A minimum of six (6) Grade 12 courses with a minimum cumulative average of 65%, including two (2) required U level courses and one (1) required U or M level course from a specified group of courses and three (3) additional U or M level courses. (Higher averages are often required for admission.)
    • The following Grade 12 U courses are required:
      • English (ENG4U)
      • One (1) Grade 12 Mathematics course from the following: Calculus and Vectors (MCV4U) OR Advanced Functions (MHF4U) OR Mathematics of Data Management (MDM4U)
      • At least one Grade 12 U or M course from ONE of the following disciplines: Canadian and World Studies, Classical Studies and International Languages, French as a Second Language, Social Sciences and Humanities, or Business Studies
      • Three (3) other Grade 12 U or M courses

    Note re: Admission Requirements

    • The minimum cumulative average required for consideration is 65%. Higher averages are often required for admission due to competition for available spaces in the program.

    Admission Procedures

    • Academic strength is calculated by averaging all submitted Grade 12 marks (or equivalent) of the required subjects and three additional U or M courses. If more than three additional courses are submitted, the course(s) with the highest mark(s) will be used.
    • Applicants may be required to complete a supplementary information sheet and attend an interview.
    • A sound mathematical and English background is important for success in this program and is considered during the admission selection process. Minimum cutoffs apply.

    Program Requirements

    • Students in this program are required to bring a mobile device that meets minimum specified requirements.
    • Students in this program are required to participate in Conestoga s eText initiative.
    • Students are required to successfully complete two language electives (in one language) in order to graduate.
    • Applicants must have basic computer literacy.
    • The academic requirements to be eligible for a co-op work term in a degree program are as follows:
      • Minimum 2.5 sessional GPA (65% weighted sessional average) in the eligibility term two academic semesters prior to any co-op work term
      • Maximum two failures or withdrawals during the academic semester that occurs in the eligibility term two academic semesters prior to any co-op work term
      • Must have successfully completed all but two core courses, according to the program design, by the eligibility term prior to any given work term (regardless of the level the student was placed in advanced standing)
      • Students (even those on special timetables) will not be permitted to complete a co-op work term until conditions above are met and all but two core course deficiencies, according to the program design, are cleared
      • Co-op work terms may need to be re-sequenced to allow academic deficiencies to be cleared or in the event a student changes cohorts (i.e. graduation is delayed by one year or more). Students may not repeat a passed work term
      • Should a student s academic performance decline considerably during the term just prior to any work term, the college reserves the right to withdraw the student from the upcoming work term

    Tuition Fees

    Tuition fee details for the 2017-2018 year are listed below. Fees for the next academic year are unavailable at this time. Books and supplies are additional.





    The Best Bank for Small Business in Canada: Business Bank Accounts, best

    The Best Bank for Small Business in Canada: Business Bank Accounts

    Best bank for small business

    In Canada there didn t use to be much point in looking for the best bank for small business when you were looking for a business bank account; for years, the only difference between business bank accounts and personal ones has been that business bank accounts cost a lot more in fees.

    But the Cyclopean eyes of Canada s big banks have finally alighted on small business banking and, having decided that small business owners are a worthy market, the banks are actually competing with one another to create business bank accounts that small business owners will find attractive – and that means creating small business accounts with lower bank fees.

    Here are the best business bank accounts for Canadian small businesses based on their monthly costs so you can compare and decide which is the best bank for small business.

    Business Bank Accounts for Low-Volume Businesses

    If you don t have many transactions each month and don t need to write or deposit cheques much, you may be able to use the only free business bank account around, RBC s Small Business eAccount, which has no monthly fee, unlimited electronic account transactions each month and no minimum balance required.

    However, standard fees apply to all non-electronic transactions, such as a $2.00 charge for every paper debit or cheque, a $3.50 charge for every paper credit or deposit and a $5.00 fee for every $1,000 cash deposited in-branch. So unless your clients are all paying directly through credit, debit or wire transfer, you may be better off springing for a business bank account that does have a monthly fee.

    For instance, RBC also offers a Business Essentials $6 Small Business Account. The $6.00 fee does not apply if your transaction fees are more than $6.00 and the transaction fees decrease by the number of transactions; for example, if you make 1-10 paper based transactions, the transaction fee is $1.25 each but if you make 11-30, the fee decreases to $1.20 each.

    You can also cut down on transaction fees by banking electronically; 1-10 electronic transactions are only $0.75 each.

    The business bank account with the lowest monthly fee currently is the TD Basic Business Plan. Its $5.00 monthly fee includes five free transactions and five free deposit items each month. After that, each transaction is $1.25 and each deposit item is $0.22 and the first five of each type of transaction are free. Cash deposits are $2.50 per $1,000.

    Six dollars seems to be the popular fee for low-volume business accounts. It s the monthly charge for Scotiabank s Right Size Account for business (with transaction fees of $1.20 through $0.85 each depending on how many transactions you make each month), BMO s Business Start bank account which allows you seven free transactions a month and CIBC s Basic Business Operating Account which does not allow you any free transactions each month and charges $1.25 for each full-service transaction you make and $1.00 for each self-service transaction.

    Scotiabank also offers a Basic Business Account U.S. account which has a minimum account maintenance fee of $9.95 a month. In addition, you re charged for all your transactions on a pay-per-use basis.

    Each cheque, for instance, costs $1.20, while each item deposited to your account costs $1.00. The interesting thing about this account is that you earn one free transaction by keeping a $1,100 minimum monthly credit balance, and you will pay no monthly account maintenance fee if your minimum monthly credit balance is $6,000 or over.

    And If You re Not a Low-Volume Business?

    You re going to pay more. Sometimes a lot more. Each bank offers a slate of business account offerings and their charges for what you get are comparable. There are no banking bargains.

    Most Canadian banks offer a business account at the $20 monthly fee level which might work for you if you run a small retail business.

    The Royal Bank s RBC Business Essentials Fixed-Fee Account is pretty typical of accounts offered. For a monthly business bank account fee of $20.00 you get:

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    • Up to 20 debits/cheques each month
    • Up to 15 credits/deposits each month
    • Up to 20 items deposited each month
    • Up to $2,500 cash deposited each month.

    (They also offer three other Fixed Fee Plans at monthly rates of $35.00, $50.00 and $75.00, each with increasing numbers of transactions per month.)

    The best of these accounts is the TD s Every Day Business Account. For $19.00, it gives you 50 deposit items and up to $5,000 in cash deposits, more than any other of the big banks.

    From there, all the banks offer accounts with increasing monthly fees based on the number of monthly transactions.

    The CIBC offers an Unlimited Business Operating Account which, as the name suggests, gives you unlimited transactions with a cash, coin and cheque deposit package for a $50.00 monthly fee. Looking at how few monthly transactions are included in most of the more inexpensive business bank accounts and how quickly additional transaction fees stack up, this may well be the most inexpensive option if your business has many monthly transactions.

    Small Business Banking Packages

    Another thing that complicates the issue of which is the best bank for small business is that some banks offer small business banking packages that bundle banking services.

    Scotiabank s combo small business banking packages are of particular interest; they offer several business bank accounts that combine a personal and business bank account with other banking services, such as their ScotiaOne Account Plan. Besides the personal chequing and business bank account, the plan includes a business Visa card, a ScotiaCard and electronic banking for business.

    Fees start at $49.95 per month.

    The Best Way to Get a Free Business Bank Account

    . is to maintain a monthly balance. But the required monthly balance to waive the account maintenance fee is often quite high.

    As of time of writing, the account with the lowest required minimum monthly balance is the aforementioned TD Every Day Business Account. You won t have to pay the $19.00 fee on their Every Day A bank account if you maintain a minimum monthly balance of $20,000.

    See What Business Bank Accounts Your Credit Union Offers First

    There are also a great many Credit Unions operating in different regions in Canada. and you ll want to check with your local Credit Union to see what kinds of business bank accounts it offers. Historically, Credit Unions have had a strong interest in small business banking and your local Credit Union probably offers business banking accounts and services that are very competitive.

    The Credit Union I use offers a $6.00 pay-as-you-go Business Chequing Account, a $10.25 Business Package that comes with 15 full-service transactions and four other business account packages with fees ranging from $19.95 through $99.95. Besides the range of packages, I also really like the fact that their transaction fees are lower than the banks in many cases. Check and see; this may be true of the Credit Union in your area too.

    Small Business Banking Isn t All About the Fees

    The most important feature of small business banking is the relationship you have with your bank or credit union manager, not the cost of your small business bank account, as sooner or later almost all small businesses need a business loan and/or a line of credit.

    That being said, however, there s no point in spending money every month on small business banking services you’re not using or conversely, paying relatively high small business bank account fees and not getting the small business banking services you need.

    Checking your business bank account and comparing it with the information on business bank accounts above could help you find a small business bank account that s a better fit for your small business and save you money.