Used Cleaver Brooks Watertube Boiler For Sale on #used #cleaver #brooks #watertube


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Browse Cleaver Brooks

Used Cleaver Brooks Watertube Boiler For Sale

2 Listings in Cleaver Brooks

Cleaver Brooks – Water Tube Boiler

Cleaver Brooks water tube boilers are a packaged boiler system that was first manufactured in the early 1950s. These boilers are used in many applications in the waste heat recovery industry where humidification and sterilisation, heat building and steam processing are all required. These processes appear in the power and energy utilities sector but also the hospital and healthcare, oil sands and petrochemical and even laundry and dry cleaning industries.

There are two forms of Cleaver Brooks water tube boilers. The industrial and flexible. The industrial is able to process huge amounts of steam, from 10,000 to 1,000,000 lbs. per hour. The Nebraska D Series of industrial water tube boilers, launched in 2010, reduces the time from drawing and planning to installation and enables a high level of automation and repeatability. The flexible range of products are smaller and are able to process varying levels of steam, from 1.56 to 25 MMBTU/hour. The flexible range can be portable and erected anywhere.

Many Cleaver Brooks water tube boilers are still used, in many cases 30 or 40 years old. The DL86E, released in 1978, produces 70,000pph and a production rate of 85 mmbtu/hour and the 1979 NB46273 has front and rear blow down valves with a Honeywell Fire eye.

Cleaver Brooks industrial water tubes have several ranges. The steam only CBND series, D style (able to process alternative fuel sources), D style elevated drum, A style, O style, modular and forced circulation OSSG series.

The flexible water tube has 3 options, the F series and models 4 and 5, both membrane wall water tubes.

Cleaver Brooks NB46273

Price: $83,000 Location: USA

600 HP Cleaver Brooks Scotch Boiler NB# 46273 built in 1979, TX 137049, 150 PSI design, with front .

Cleaver Brooks NB#47222

Price: $65,000 Location: USA

250 HP Cleaver Brooks, NB#47222, built 1979, 150 PSI design, completely retubed refurbished, new i.

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10 tips to secure your small business network #how #to #make #network


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10 tips to secure your small business network

Maintaining a secure small business or home network isn’t easy, and even for an old hand in IT, it still takes time and energy to keep things locked down. Here are 10 of the most critical steps you can take to keep your data from ending up elsewhere, and none of them take much time or effort to accomplish.

1. Use encryption on your wireless access points (AP). Many site surveys have found half or more of all wireless networks are wide open, ripe for anyone to gather all the traffic and perhaps record your sensitive information by sitting in a nearby parked car. Some people mess around with locking down MAC addresses, but that gets unwieldy and a better solution would be to use WPA2 encryption. WPA2 is far better than other encryption methods that are more easily broken into.

2. If you have a wireless network, make sure to hide your SSID (service set identifier), or at least change its name to something common. All wireless routers should have obscure IDs when they announce themselves to the world. Rather than put in any real information that can make it clear who owns the router or that can divulge your location or business name, such as “Acme Systems, here on the 4th floor” or the product name like “Netgear,” use something innocuous like “wireless” or “router1” that doesn’t give away anything really critical. In my last apartment, I had neighbors who used their apartment numbers for their IDs, making it real easy to figure out who’s router was where.

3. If your router (wired or wireless) has a Web management interface, disable access from the outside network. And change the admin default password now. Most routers have the ability to do both quite easily. You don’t want anyone else coming in and changing your settings or reading your log files.

4. Make sure all of your PCs use antivirus software and if you’re using Windows, add antispyware protection. This seems obvious, but it bears restatiing. And while you are at it, check to make sure that all of your antivirus subscriptions are current. Anything out of date isn’t doing you any good. In my support travels, I’ve found that this is a very common lapse among my neighbors.

5. If you are running a Web server on your LAN, put it on a DMZ. If your router doesn’t have a DMZ, get a new router. Better yet, move to a collocation facility where someone who knows what he is doing can manage it. Having your own local Web server sounds like a good idea, but is a real security sinkhole, and many cable networks have made it harder to host your own from your home network anyway. So why worry?

6. Speaking of Web servers on the Internet, if you have them, you should scan regularly for exploits. There are many sites that can do this, two of my favorites are SPIdynamics.com and Qualys.com. Also, make sure to keep track of your domain registry and change all of your access passwords regularly. If you update your Web content, don’t use FTP or Microsoft’s Web page creation tool, FrontPage; instead, find more-secure methods that don’t send your access passwords in the clear. You can learn about other ways to protect your Web site at OWASP.org .

7. If your ISP offers such an option, use a VPN (virtual private network) for access back to your local LAN or your remote Web server. There are many to choose from, ranging from the free OpenVPN.net to inexpensive but capable ones from SonicWall and Fortinet. which are designed for small business owners.

8. Disable file/print sharing on everything other than your file server. You don’t need it on each desktop, and that just causes more vulnerabilities. This is particularly important for laptop users: You don’t want to be broadcasting your entire file system to everyone around you at the airport or hotel, which is something that I often see when I travel and check for open network shares.

9. Use whole disk encryption on all laptops that will ever leave home. You never know when someone will steal your data or break into your car or hotel room and lift the laptop. I like PGP Disk. but there are others that cost next to nothing and provide plenty of protection. If you are in the habit of carrying around USB thumb drives with your data, then use one of the more modern U3 drives that work with Windows and are at least password-protected to keep your data away from others.

10. Start doing regular off-site backups now. At least start with making copies of your key customer and business data, and then make sure you cover your personal files, such as family photos and the like. Now is the time to cook up something simple. Burn DVDs and take them home, or make use of one of the online storage vendors such as eVault and Amazon.com’s S3. They cost less than $100 a year (Amazon’s less than $10 a year) and can save your data in case of fire, theft or just carelessness. If you have two PCs in two different locations, sign up for Microsoft’s Foldershare.com free service to synchronize your data.

Now, there are plenty of other security options that will buy you peace of mind and make it harder for hackers, but these 10 items are easy to implement, don’t cost much in terms of your time and money, and will have big security payoffs. Try to attempt one item each week and you’ll sleep better at night.


HIPAA Compliant Email – Policy, Rules, and Regulations #hipaa #compliant #email, #hipaa


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Hospitals and Doctors looking to comply with HIPAA rules are using Secure Medical.net to store and transfer protected health information (PHI). HIPAA policy provides the guidelines for access, storage, and transmission of PHI.

Secure Medical has the most innovative and highest quality secure medical HIPAA email service in the world. We partnered with CryptoHeaven to offer the most secure and easy to use encrypted email service at low cost. Use our service platform for remote secure HIPAA email communications with other doctors as well as with other medical industry specialists and companies.

  • Over 395,000 email addresses for doctors in over 65 medical specialties.
  • Over 250,000 medical industry business to business email addresses for decision makers and thought leaders in over 80 medical industry market segments.

Last Updated on Friday, 06 April 2012 23:32 Read more.

Secure Medical is a secure email hosting system that is HIPAA compliant

Secure Medical is HIPAA compliant secure email hosting system with state of the art encryption.

  • Formal compliance with HIPAA rules. policy, and regulations
  • Secure Medical Email uses stronger security features than those used by banks, MasterCard VISA
  • Transparent encryption technology ensures maximum fool proof security
  • Stay VIRUS FREE with included and always updated virus scanner
  • BLOCK SPAM 100% with user configurable challenge and response system, and advanced spam filters
  • Works as Webmail with any web browser

Last Updated on Wednesday, 23 June 2010 13:13 Read more.

Secure Medical.net offers secure HIPAA Email product for the medical market.

Secure communications and document management systems provider Secure Medical.net has introduced a secure HIPAA Email hosting and communications product for the medical market. This turn key solution provides full compliance with HIPAA rules, HIPAA policy, and HIPAA regulations with respect to access, storage, protection, backup, and transfer of PHI.

Designed to provide secure, auditable and confidential email communication to doctors and patients, the Secure Medical.net HIPAA Email hosting solution uses encryption to guarantee both security and proof of delivery.

Last Updated on Monday, 24 January 2011 10:00 Read more.

HIPAA Compliance

For compliance with the Health Insurance Portability and Accountability Act (HIPAA) regulated entities must securely store, maintain and transmit protected health information (PHI). Secure Medical.net provides a solution that is fully compliant with HIPAA rules. HIPAA policy, and HIPAA regulations with respect to access, storage, and transfer and PHI.

The requirement for a health care information system is whether medical record privacy is adequately protected. It means unauthorized persons can’t see it, it doesn’t get misused, and those using it can be identified.

Last Updated on Wednesday, 23 June 2010 13:11 Read more.

Secure Medical Email Hosting

Secure Medical.net presents powerful secure HIPAA compliant Email hosting solutions:

Secure Medical.net can work either over the Web or through an email client. Many of our clients use both, using, for example, secure email client application at their main or “home” PC, and using secure Webmail when using a PC at work or when traveling. Secure Medical.net operates independently from your ISP or other email services.

Last Updated on Saturday, 09 January 2010 11:24 Read more.

Healthcare companies use Secure Medical.net

Healthcare companies use Secure Medical.net to deliver patient records, lab records and medical transcription data to doctors, hospitals and clinics. With Secure Medical.net you can:

  • formally comply with HIPAA rules, HIPAA policy, and HIPAA regulations
  • achieve HIPAA readiness with a minimal cost
  • send medical records, unlimited size voice files and transcribed document
  • only authorized parties have access to the data; access records are kept for each email and each file accessed by any party; records are kept as long as the underlying data itself is available on the system

Last Updated on Monday, 11 January 2010 12:03 Read more.

Secure Medical.net has Great Encryption

Encryption key is created on your computer and protected with your passphrase. Only you know the passphrase and your data can not be decrypted without it. Only encrypted data is stored on Secure Medical .net servers. Your data is encrypted at your computer before being sent to Secure Medical.net Secure Data Center. Upon restore, your files are decrypted on your computer. Any time your data is out of your computer, it is always encrypted. All of our services including secure medical email. and secure online storage use highest grade encryption technology for maximum data security.

Last Updated on Saturday, 09 January 2010 11:21

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Secure email hosting, webmail, business email account, email service #secure #email #hosting,


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A Swiss-based secure email service. Swissmail.org is a business email hosting provider with
anti-spam and virus protection, business webmail and IMAP(POP3) access for personal and business email.

The service is located in Switzerland, free of advertising and designed to deliver secure business communication at reasonable costs.

Enhance your company with a business email solution or just open a personal email account with a reliable address. [more. ]

Breaking news: swissmail.org takeover by iway [more. ]

swissmail.org offers a global email hosting service solution. The swissmail.org email service is not free of charge, but free of advertising and focuses on companies and business people whose strategy includes the use of email as a new and efficient form of communication.
Core functions such as IMAP/POP3 access, webmail, spam filter and antivirus protection, and SMS (mobile) support are included in the service, as is a sophisticated email management system to preprocess incoming emails fully automatically.

All swissmail customers are able to exchange emails encrypted with no extra effort. This makes our email hosting service an ideal email outsourcing solution for companies with increased security requirements. This option is especially interesting since Secure Email Access is available for the entry-level Basic Account as well.

Because the service is entirely Internet-based, customers are not only able to access their emails worldwide using webmail, but also to change the forwarding options and other settings while travelling.This is the way that swissmail.org meets the growing requirement for provider-independent email addresses.

The offering is supplemented by virtual email server and web hosting services, making it possible for customers to have their entire Internet presence (email and website) under their own domain name.

� copyright by iway AG, Switzerland. all rights reserved, 1997-2017.


5 Tips for Using Collateral to Secure a Small Business Loan #bond

#secured business loans

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Here’s a fundamental truth of any organization: you need cash to help grow your business. Whether you’re a start-up, a sole proprietorship, or a limited liability corporation, getting a small business loan will be one of your top priorities if you’re looking to expand your company’s potential. But before you receive funds from a bank, a lender will scrutinize both you and your business to see if you’re a viable borrower.

A bank will look at your company’s history, business credit, revenues, balance sheet, and your equity contributions. If you pass a credit check and you operate a healthy business, most banks will also require an additional, and tangible, guarantee that their loan will be repaid: collateral.

Collateral assets come in many forms. Defined by the Small Business Administration, collateral is “an additional form of security which can be used to assure a lender that you have a second source of loan repayment.” Most commonly, collateral is real property (i.e. an owner-occupied home), but it can also be represented by your business’s inventory, cash savings or deposits, and equipment. In order to structure a loan that benefits both you and your business, you’ll need to make the right decision about what you offer up as collateral to the bank. It’s also important to be realistic when considering the risks of defaulting on a loan, which could have harsh consequences for not only your business, but for your personal life, too.

Editor’s Note: Looking for loan solutions for your business? If you would like information to help you choose the one that’s right for you, use the questionnaire below to have our partner, BuyerZone, provide you with information for free:

Below are a few tips on how you can use your assets as collateral, and how you can mitigate the risks associated of defaulting on a loan.

1. Keep Detailed Records of your Asset’s Worth

Banks are notoriously conservative about valuing a borrower’s assets for collateral. After all, if the borrower does default, the lender must expend resources to take the asset, find a buyer, and sell it.

Jeff Allen, the director of operations for Trendant, a small business consulting firm based in Salt Lake City, says that one of the most common mistakes business owners make about collateral is they think it’s worth a lot more than it actually is. “They’re considering what they paid for it, and the banks only consider the fair market value of today,” he says.

If you’re not sure of what your assets might be worth, it could be worthwhile to find an independent appraiser to give you an idea of how the bank will value your property.

Besides for simply knowing your asset’s worth, it’s critical to keep detailed records of your assets on your balance sheet. When a bank is reviewing your business documents, they’ll want to see that you’re paying careful attention to all of the relevant factors. This is usually simpler than you think. “In keeping records, businesses tend to overcomplicate,” says Allen. “They think there’s some magical solution that the big boys use. The bottom line is that an Excel spreadsheet with a couple of line items is all you need.”

2. Know What You Can Use as Collateral

Essentially, there are two different types of collateral: assets that you own, and assets that you still have a loan against. If you still have a loan on the asset, (e.g. a mortgage for a house) the bank will be able to recoup the loan by refinancing your loan from the institution you have the loan against, and claim the title.

A viable asset to use as collateral will have a title of ownership, and banks will only lend if they can get a title back, says Allen. Homes and cars are the most common forms of collateral, but you can also use watercraft, motorcycles, as well as pieces of equipment that have a title of ownership.

Below are some relevant issues associated with each type of collateral that you should consider before approaching a bank for a loan.

Real Property: Since the housing bubble burst, using real property as collateral financing took a huge hit. Denise Beeson, a commercial loan officer based in San Francisco, says that this has been a significant roadblock for small businesses seeking small business loans. “It’s devastating small business right now,” she says. “In the past they’ve used the equity in their home, and they don’t have any of that equity anymore.” Additionally, banks will not consider vacant land, or “dirt” as its referred to in banking, as viable collateral.

Business Inventory and Accounts Receivable: Asset-based lending can be a great way to get a fast influx of cash to your business. For example, if your firm gets a big purchase order, you may not have the resources to meet the needs of the client without bringing on additional staff, equipment, or raw materials. In some cases, a bank will allow a company to use that purchase order as collateral. “It’s a little trickier to get,” explains Jeff Allen. “It might be more difficult because it’s harder to authenticate. but a bank will usually lend against that.”

Cash Savings or Deposits: “Cash is always king,” says Allen. Using personal savings will almost definitely be allowed as collateral since it’s a low-risk loan for a bank. This also applies to CDs and other financial accounts. The advantage in using these accounts as collateral is that you’re guaranteed a low interest rate because it’s a secured loan. The disadvantage, clearly, is that if you default, the bank will take possession of your savings.

3. Understanding the Risks

Taking a loan using personal assets as collateral presents the risks of losing the assets in the event that you default on the loan. Therefore, it’s important to discuss the risks of using certain assets as collateral with a financial advisor, as well as people that could be affected by the loss of that asset.

“Some business owners are highly risk averse, and I wouldn’t recommend putting some stuff up for collateral,” says Jeff Allen. “Because if you can’t pay it, they’re taking your car or home.”

Be realistic about your company’s needs, and how the company will be using the funds. A financial advisor will help you assess the risks involved, as well as the odds of the loan being successful. “It comes down to being honest with yourself knowing your situation, and knowing what the funds will be used for,” says Allen. “If you really need the money, you might to find alternatives, because you might lose what you’ve leveraged.”

Often, a limited liability company is formed to shield the business owner from these risks, but a default will inevitably still affect the owner, especially if he or she is the only shareholder.

4. Negotiate When-;And If-;You Can

If you’re a qualified borrower with a demonstrable history of good business credit, you should be able to secure a loan with commitments you are comfortable with. Remember, a business can always reject a lender’s offer and seek a loan from a different lending institution.

Since banks tend to be exceptionally conservative when it comes to valuing your assets, it could be worthwhile to request an appraisal review, which is a report that comments on the accuracy of an appraisal. Similarly, a bank that does not require any collateral requirement will often charge extremely high interest rates. Be wary of predatory lending practices that could end up being expensive and harmful to your business.

Dig Deeper: How to Build and Maintain Good Business Credit

5. Consider Peer-to-Peer Lending

If an asset-based loan isn’t ideal for your business, Denise Beeson recommends alternative methods of securing cash. Peer-to-peer lending is becoming an effective way for small businesses to drum up cash in the short run. “Because it is extremely difficult to get a loan based on existing collateral, a lot of borrowers are going to peer-to-peer sites to see if they can get some money from that mechanism,” she says

While loans typically amount to less than $25,000, there’s often less red tape involved in obtaining a peer loan. Prosper.com. for example, allows borrowers to choose a loan amount, a purpose and then post a loan listing. Then, investors choose which loans they prefer to invest in based upon a series of criteria. Borrowers make fixed monthly payments to their investors, who receive the funds directly in their Prosper account.





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


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

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What are your guarantees?

1. Our hosting will always be 100% free!

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

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


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Free Unlimited Hosting cPanel

Free Unlimited WHM Reseller Hosting

Free Domain Name !

Free VPS Hosting (90 Days)!

OHosti Powerful Features!

Free Unlimited Web Hosting Features :

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

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

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

What is our free reseller hosting included?

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

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

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

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

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

Frequently Asked Questions?

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

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

How long will your hosting be free?

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

What are your guarantees?

1. Our hosting will always be 100% free!

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

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

Free Domain Name Privacy

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

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

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

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

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

Create New Website?

Build your website in 4 easy steps:

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

10 tips to secure your small business network #best #way #to #secure


#

10 tips to secure your small business network

Maintaining a secure small business or home network isn’t easy, and even for an old hand in IT, it still takes time and energy to keep things locked down. Here are 10 of the most critical steps you can take to keep your data from ending up elsewhere, and none of them take much time or effort to accomplish.

1. Use encryption on your wireless access points (AP). Many site surveys have found half or more of all wireless networks are wide open, ripe for anyone to gather all the traffic and perhaps record your sensitive information by sitting in a nearby parked car. Some people mess around with locking down MAC addresses, but that gets unwieldy and a better solution would be to use WPA2 encryption. WPA2 is far better than other encryption methods that are more easily broken into.

2. If you have a wireless network, make sure to hide your SSID (service set identifier), or at least change its name to something common. All wireless routers should have obscure IDs when they announce themselves to the world. Rather than put in any real information that can make it clear who owns the router or that can divulge your location or business name, such as “Acme Systems, here on the 4th floor” or the product name like “Netgear,” use something innocuous like “wireless” or “router1” that doesn’t give away anything really critical. In my last apartment, I had neighbors who used their apartment numbers for their IDs, making it real easy to figure out who’s router was where.

3. If your router (wired or wireless) has a Web management interface, disable access from the outside network. And change the admin default password now. Most routers have the ability to do both quite easily. You don’t want anyone else coming in and changing your settings or reading your log files.

4. Make sure all of your PCs use antivirus software and if you’re using Windows, add antispyware protection. This seems obvious, but it bears restatiing. And while you are at it, check to make sure that all of your antivirus subscriptions are current. Anything out of date isn’t doing you any good. In my support travels, I’ve found that this is a very common lapse among my neighbors.

5. If you are running a Web server on your LAN, put it on a DMZ. If your router doesn’t have a DMZ, get a new router. Better yet, move to a collocation facility where someone who knows what he is doing can manage it. Having your own local Web server sounds like a good idea, but is a real security sinkhole, and many cable networks have made it harder to host your own from your home network anyway. So why worry?

6. Speaking of Web servers on the Internet, if you have them, you should scan regularly for exploits. There are many sites that can do this, two of my favorites are SPIdynamics.com and Qualys.com. Also, make sure to keep track of your domain registry and change all of your access passwords regularly. If you update your Web content, don’t use FTP or Microsoft’s Web page creation tool, FrontPage; instead, find more-secure methods that don’t send your access passwords in the clear. You can learn about other ways to protect your Web site at OWASP.org .

7. If your ISP offers such an option, use a VPN (virtual private network) for access back to your local LAN or your remote Web server. There are many to choose from, ranging from the free OpenVPN.net to inexpensive but capable ones from SonicWall and Fortinet. which are designed for small business owners.

8. Disable file/print sharing on everything other than your file server. You don’t need it on each desktop, and that just causes more vulnerabilities. This is particularly important for laptop users: You don’t want to be broadcasting your entire file system to everyone around you at the airport or hotel, which is something that I often see when I travel and check for open network shares.

9. Use whole disk encryption on all laptops that will ever leave home. You never know when someone will steal your data or break into your car or hotel room and lift the laptop. I like PGP Disk. but there are others that cost next to nothing and provide plenty of protection. If you are in the habit of carrying around USB thumb drives with your data, then use one of the more modern U3 drives that work with Windows and are at least password-protected to keep your data away from others.

10. Start doing regular off-site backups now. At least start with making copies of your key customer and business data, and then make sure you cover your personal files, such as family photos and the like. Now is the time to cook up something simple. Burn DVDs and take them home, or make use of one of the online storage vendors such as eVault and Amazon.com’s S3. They cost less than $100 a year (Amazon’s less than $10 a year) and can save your data in case of fire, theft or just carelessness. If you have two PCs in two different locations, sign up for Microsoft’s Foldershare.com free service to synchronize your data.

Now, there are plenty of other security options that will buy you peace of mind and make it harder for hackers, but these 10 items are easy to implement, don’t cost much in terms of your time and money, and will have big security payoffs. Try to attempt one item each week and you’ll sleep better at night.


ECommerce web Hosting – Ecommerce web site with shopping cart hosting #ecommerce


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Start a Successful eCommerce Website

eCommerce Shopping Cart Hosting

SAVE money . Just $14.95 a month for a shopping cart up to 1,000 items!

Testimonials

Looks great. …Thanks again, so much. PS: I already had 2 people ask who did my website, so I referred them to you.

Vikki — Avocado Dreamin’ LLC

Shopping Cart Features

Easy to Learn

  • Browser-based layout makes shop setup easy!
  • Use the easy template import feature to make the shop look just like any page on your site. Click here to see the video on the easy template import.
  • Use the import function to speed up inventory creation.

Secure Shopping Cart

  • SSL Certificate FREE for all Secure Pages
  • 256-BIT SSL ENCRYPTION gives you top notch protection and gives your customers peace of mind!
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  • Our Servers Backed-up Scanned Daily!

Best Value Cart

  • Generous Item Limits
    • $14.95 a month for Full Featured Shopping Cart that holds up to 5,000 items.
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  • All the Features you need at NO extra charge!
  • Unlimited categories and sub-categories
  • Unlimited custom fill-in text boxes for message to accompany your items
  • Unlimited custom drop down lists for attributes like “size”, “color”, “length”, etc.
  • Unlimited thumbnails and images with each item.

Custom Design

  • You can use any web site design software, and, easily import one of your pages to use as a template into the shopping cart.
  • Build your site using your favorite web site design software like:
    • WordPress Shop Plugin Available!
    • Dreamweaver
    • Adobe GoLive
  • Shopping Cart can Import look from any design. You can also get HTML or include code from the shopping cart to place in your website.

Easy Order Features

  • Process Credit/Debit Cards in Real Time
  • Process Credit/Debit Cards Manually
  • Over 20 Compatible Merchant Gateways
  • Recieve Order Notifications via Email
  • Optional Account based checkout with Optional Guest Checkout
  • Cart is compatbile for Recurring Billing if you use BluePay or Authorize.net as your Credit Card merchant .
  • Customize Text on the Secure Checkout pages
  • Print multiple invoices at once using the PDF Invoice Generation
  • Create customized templates for printing packing list, invoice, and label from orders
  • Use PayPal or Google Checkout (or both) as a 2nd and 3rd Checkout Option.

SEO Friendly

Search engine friendly category links are based off Category Titles Search engine friendly item links are based off Category Titles HTML coding is optmized The title tag corresponds to the category or item. There is an option to customize category tags. The Item page description tags also use the item description. Image Name, Title and Alt tag are all based off Item Title

Shopping Cart automatically re-sizes your Shop template to fit mobile screen resolutions. Don t lose anymore cell phone or tablet sales!

Why Choose our Ecommerce Website Hosting?

US Based Support

Support from our expert team based in California

Click the following link for more information on Re-seller Opportunities for our shopping cart and web hosting.

Shopping Cart Appearance

    • Design your site in WordPress then use our WordPress plugin to display the shop items on your WordPress pages. Or, build your site using your favorite web site design software like Dreamweaver, Adobe GoLive then automatically import one of your pages to use as template. Use the easy template import feature to make the shop look just like any page on your site ( Click here to see the video on the easy template import )
    • Or, before signing up try our free site builder by clicking here. (Includes more than 400 free templates) Great for simple sites.
    • Click to find out more about our Shopping Cart.

Great Value

  • Hosting, shopping cart, SSL for secure checkout, and email all in One!
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  • For ecommerce hosting plans details Click here
  • Click to find out more about our Shopping Cart.

How to get started

  1. Order your ecommerce web hosting by clicking here .
  2. Get your passwords and settings and start building your site and adding items to your inventory.
  3. Order your credit card merchant account (If you do not have it already) from one of the credit card processing providers listed here. (Including Authorize.net, Verisign Payflow,SkipJack, Echo Online, BluePay, CardService LinkPoint, Iongate, and Paypal)
  4. Link into the shopping cart software software for items you want to sell.
  5. Give your customers confidence in your site and shopping cart using affiliations with links to organizations like Trust-guard.com and BBBOnline.org
  6. Optimize your site for search engines and submit it. Export your shop items to the Google Shopping Feeds format and submit your shop items to Google.com/products Also, promote site using pay per click listings from Google.com. Bing Search Marketing
  7. Set your shopping cart to ask them if they want to subscribe to your newsletter. Then keep in touch using our built in newsletter function! Create promotional codes to reward your past shoppers with discounts or free shipping.
  8. Sell some of your items on sites like www.ebay.com and Name Your Link Use your follow-up emails, and package inserts with the product to let them know about your site.
  9. When a customer orders, you will receive a notification and will then be able to log into your shopping cart control panel to read the credit card information and complete order securely from a password protected SSL secure page. Credit cards can be processed in real time using an online gateway, Google Checkout, or Paypal / Paypal Pro Click to find out more about our Shopping Cart.

SEO Optimized

Want your Shopping Cart to show up in the Search Engines? See a video on how the cart is designed to show up in the search engines

    • Search engine friendly links for Categories and Items
      • Category links include the category name in the actual link
        • Category Name: Outdoor Wall Mt. URL: http://shopdemo.cart7.us/category/Outdoor-Wall-Mt.-24
      • Item links include the item name in the actual link http://shopdemo.cart7.us/item/Flush-Mount-200
    • Shopping cart page source built for SEO: In the shipping cart the Title tag, Meta Description, Meta keyword, Alt tags, Item image names, and urls themselves are all automatically optimized.

    Hosting eCommerce sites since 1998


Secure File Sharing in the Virtual Data Room #secure #file #sharing, #virtual


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Secure File Sharing

Today’s professionals and enterprises constantly create, consume and share information. Presentations, documents, spreadsheets, and images are just some of examples of the types of files enterprises need to share, access, and manipulate during the course of their business activities. Many of these files are stored on personal computers, desktops and laptops, while others are stored on enterprise file servers. But wherever those files are stored, users must be able to access them at the office, at home, or during travel. Many organizations embrace a ‘bring your own device’ (BYOD) policy, allowing employees to access, share and manipulate corporate data using their personal devices, including laptops, smartphones and tablets.

iDeals Virtual Data Room is a powerful data sharing solution used by more than 4,000 companies worldwide, including many Fortune 1000 companies since 2008. This success is based on a continuous innovation approach, including constant R D efforts, powerful cloud infrastructure, and instantly available customer services. With iDeals’ advanced document sharing technology and shatterproof security, dealmakers worldwide can fully comply with due diligence requirements. Learn More

Allowing users to access and work with data using all kinds of devices requires that files are securely “synchronized” between those devices. Additionally, given the collaborative nature of data-centric activities, files must be available for access by users outside the enterprise – by partners, stockholders, suppliers or customers. As with any confidential data, file sharing must be carefully controlled.

When business users need to quickly share files or documents, they often turn to consumer file sharing platforms that do not meet corporate security and compliance mandates.

Today s business users want simple, easy way to secure file sharing in their business environment that allows them to access their files seamlessly on all devices, and collaborate with colleagues, customers and partners even outside the corporate firewall.

There are several ways that users typically choose for day-to-day file sharing, such as email, FTP or file sharing websites. Using email to share files gives no control over which content is sent, how it is accessed, and how many copies are being sent or forwarded. Traditional FTP systems also heighten risk of data security breaches because users share passwords in an uncontrolled manner; the content itself can be left on FTP servers for any period of time, sometimes for years.

Consumer-grade file sync and share solutions, such as Dropbox, are convenient option for many users and generally work as designed. However, recent security breaches at such file sharing services lead to confidentiality breaches or an inability to find data when needed. Such insecure file sharing services lack tools for monitoring, tracking, audit trails, or other important file-sharing features.

The corporate IT is concerned with the lack of control over confidential data, and the security and compliance risk that unsecure file sharing presents. Simply put, uncontrolled file sharing is inefficient, too expensive, too risky, and puts enterprises at a significant risk of not fulfilling their legal, regulatory, and best practice obligations.

Secure Cloud File Sync Share Solution

The virtual data room provides an enterprise-grade alternative to email, FTP and consumer file sharing services, by creating an end-to-end secure cloud infrastructure that is completely under corporate control.

The virtual data room balances the need for simplicity for the end user, and the security, management and flexibility required by the enterprise, and more specifically, the IT which requires the ability to manage and control file sharing activities to protect the critical information and data assets of the organization.

The virtual data room cuts the dependence of organizations on FTP servers and potentially unsecure email attachments for sharing enterprise data giving end users same file-sharing flexibility along with uncompromised security and control of access.

Enterprise file sharing allows users to upload and share documents, photos, videos and files using various devices, such as smartphones, tablets and PCs.

The virtual data room solution allows enterprises and service providers to set up file share and sync services for their users, creating complete workforce independence so your team can work from any location and any device. Secure access to files in the virtual data room whenever needed improves productivity and collaboration between teams. Among benefits of secure file sharing through a virtual data room are:

  • FTP alternative for large file transfer
  • Secure file access for BYOD users
  • Synchronization across devices
  • Synchronization across sites and offices
  • Shared team workspaces
  • Easy to learn, easy to use

Central Management

The virtual data room offers a comprehensive central management dashboard that allows administrators to provision, manage, monitor and support individual service users.

Complete Control over Content

The virtual data room enables to maintain complete control over confidential information and evolves into a large-scale enterprise content management platform that would allow secure collaboration with external partners, experts and stakeholders. User group permissions can also be leveraged to determine user privileges for setting up shared project folders. The access to shared documents is strictly controlled as the administrator manages and revokes permissions to open, view, download, print, copy-paste, forward or otherwise manipulate documents. Digital Rights Management policies are automatically and uniformly applied across all users.

Multiple Folder Synchronization

With folder sync, user files are automatically synchronized between their PC or laptop and their virtual data room folder, keeping files accessible and maintaining version control. The good virtual data room supports multi-folder sync, whereby any folder can be selected for synchronization with a

Project Team Collaboration

The virtual data room file sync share solution allows users to set up workspaces in the form of virtual data room folders for collaborating with colleagues, including the following features:

  • Define data access privileges and set time-limited access
  • Bi-directional synchronization of folders on their devices with each other
  • One-way synchronization for file syndication
  • One-time sharing using time-limited invitation URLs
  • Role-based privileges for allowing users to create shared project folders

Minimize Risk and Maximize Compliance

Security for data protection on devices, in transit and at rest. It includes two-step authentication, remote data wipe, data encryption, digital rights management (DRM), document protection, and access tracking. More advanced virtual data rooms enable DRM encryption is available to protect Microsoft Office and PDF files, and to enforce control over download, copy, screen capture or printing. A protected view of documents in browsers also is supported. Access to shared documents can be revoked and removed; in addition, document can be “unshared” or made unavailable to revoke all accesses.

Multi-Platform File Sharing

The virtual data room file sync share includes software agents for Windows and Mac, as well as mobile apps for iOS, Android and Windows Mobile devices. The mobile apps include remote wipe functionality to allow for deletion of synchronized data in the event of a stolen or lost mobile device.

Secure Interface

Whether you are using our mobile app, the virtual data room ensures that your file sharing activities will be 100% secured without requiring Java add-ons to manage large file transfers. All file exchanges are logged along with activity and IP addresses.

Granular Auditing

The virtual data room allows administrators to log all file access and sync events for auditing purposes, providing full control and transparency over how and with whom data is shared. This is essential for regulatory compliance and security purposes. Detailed and reliable audit logs ensure that your enterprise is always audit-ready while working within stringent compliance regulations.

Today business users require access to their files at the office, at home or on the road. Using a variety of devices to access corporate files – laptops, desktops, smartphones and tablets – is quickly becoming the standard. The collaborative nature of business activities in most companies requires users to share files securely yet easily. Secure file synchronization and sharing makes the virtual data room a key requirement for most corporations.


5 Tips for Using Collateral to Secure a Small Business Loan #best

#secured business loans

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Here’s a fundamental truth of any organization: you need cash to help grow your business. Whether you’re a start-up, a sole proprietorship, or a limited liability corporation, getting a small business loan will be one of your top priorities if you’re looking to expand your company’s potential. But before you receive funds from a bank, a lender will scrutinize both you and your business to see if you’re a viable borrower.

A bank will look at your company’s history, business credit, revenues, balance sheet, and your equity contributions. If you pass a credit check and you operate a healthy business, most banks will also require an additional, and tangible, guarantee that their loan will be repaid: collateral.

Collateral assets come in many forms. Defined by the Small Business Administration, collateral is “an additional form of security which can be used to assure a lender that you have a second source of loan repayment.” Most commonly, collateral is real property (i.e. an owner-occupied home), but it can also be represented by your business’s inventory, cash savings or deposits, and equipment. In order to structure a loan that benefits both you and your business, you’ll need to make the right decision about what you offer up as collateral to the bank. It’s also important to be realistic when considering the risks of defaulting on a loan, which could have harsh consequences for not only your business, but for your personal life, too.

Editor’s Note: Looking for loan solutions for your business? If you would like information to help you choose the one that’s right for you, use the questionnaire below to have our partner, BuyerZone, provide you with information for free:

Below are a few tips on how you can use your assets as collateral, and how you can mitigate the risks associated of defaulting on a loan.

1. Keep Detailed Records of your Asset’s Worth

Banks are notoriously conservative about valuing a borrower’s assets for collateral. After all, if the borrower does default, the lender must expend resources to take the asset, find a buyer, and sell it.

Jeff Allen, the director of operations for Trendant, a small business consulting firm based in Salt Lake City, says that one of the most common mistakes business owners make about collateral is they think it’s worth a lot more than it actually is. “They’re considering what they paid for it, and the banks only consider the fair market value of today,” he says.

If you’re not sure of what your assets might be worth, it could be worthwhile to find an independent appraiser to give you an idea of how the bank will value your property.

Besides for simply knowing your asset’s worth, it’s critical to keep detailed records of your assets on your balance sheet. When a bank is reviewing your business documents, they’ll want to see that you’re paying careful attention to all of the relevant factors. This is usually simpler than you think. “In keeping records, businesses tend to overcomplicate,” says Allen. “They think there’s some magical solution that the big boys use. The bottom line is that an Excel spreadsheet with a couple of line items is all you need.”

2. Know What You Can Use as Collateral

Essentially, there are two different types of collateral: assets that you own, and assets that you still have a loan against. If you still have a loan on the asset, (e.g. a mortgage for a house) the bank will be able to recoup the loan by refinancing your loan from the institution you have the loan against, and claim the title.

A viable asset to use as collateral will have a title of ownership, and banks will only lend if they can get a title back, says Allen. Homes and cars are the most common forms of collateral, but you can also use watercraft, motorcycles, as well as pieces of equipment that have a title of ownership.

Below are some relevant issues associated with each type of collateral that you should consider before approaching a bank for a loan.

Real Property: Since the housing bubble burst, using real property as collateral financing took a huge hit. Denise Beeson, a commercial loan officer based in San Francisco, says that this has been a significant roadblock for small businesses seeking small business loans. “It’s devastating small business right now,” she says. “In the past they’ve used the equity in their home, and they don’t have any of that equity anymore.” Additionally, banks will not consider vacant land, or “dirt” as its referred to in banking, as viable collateral.

Business Inventory and Accounts Receivable: Asset-based lending can be a great way to get a fast influx of cash to your business. For example, if your firm gets a big purchase order, you may not have the resources to meet the needs of the client without bringing on additional staff, equipment, or raw materials. In some cases, a bank will allow a company to use that purchase order as collateral. “It’s a little trickier to get,” explains Jeff Allen. “It might be more difficult because it’s harder to authenticate. but a bank will usually lend against that.”

Cash Savings or Deposits: “Cash is always king,” says Allen. Using personal savings will almost definitely be allowed as collateral since it’s a low-risk loan for a bank. This also applies to CDs and other financial accounts. The advantage in using these accounts as collateral is that you’re guaranteed a low interest rate because it’s a secured loan. The disadvantage, clearly, is that if you default, the bank will take possession of your savings.

3. Understanding the Risks

Taking a loan using personal assets as collateral presents the risks of losing the assets in the event that you default on the loan. Therefore, it’s important to discuss the risks of using certain assets as collateral with a financial advisor, as well as people that could be affected by the loss of that asset.

“Some business owners are highly risk averse, and I wouldn’t recommend putting some stuff up for collateral,” says Jeff Allen. “Because if you can’t pay it, they’re taking your car or home.”

Be realistic about your company’s needs, and how the company will be using the funds. A financial advisor will help you assess the risks involved, as well as the odds of the loan being successful. “It comes down to being honest with yourself knowing your situation, and knowing what the funds will be used for,” says Allen. “If you really need the money, you might to find alternatives, because you might lose what you’ve leveraged.”

Often, a limited liability company is formed to shield the business owner from these risks, but a default will inevitably still affect the owner, especially if he or she is the only shareholder.

4. Negotiate When-;And If-;You Can

If you’re a qualified borrower with a demonstrable history of good business credit, you should be able to secure a loan with commitments you are comfortable with. Remember, a business can always reject a lender’s offer and seek a loan from a different lending institution.

Since banks tend to be exceptionally conservative when it comes to valuing your assets, it could be worthwhile to request an appraisal review, which is a report that comments on the accuracy of an appraisal. Similarly, a bank that does not require any collateral requirement will often charge extremely high interest rates. Be wary of predatory lending practices that could end up being expensive and harmful to your business.

Dig Deeper: How to Build and Maintain Good Business Credit

5. Consider Peer-to-Peer Lending

If an asset-based loan isn’t ideal for your business, Denise Beeson recommends alternative methods of securing cash. Peer-to-peer lending is becoming an effective way for small businesses to drum up cash in the short run. “Because it is extremely difficult to get a loan based on existing collateral, a lot of borrowers are going to peer-to-peer sites to see if they can get some money from that mechanism,” she says

While loans typically amount to less than $25,000, there’s often less red tape involved in obtaining a peer loan. Prosper.com. for example, allows borrowers to choose a loan amount, a purpose and then post a loan listing. Then, investors choose which loans they prefer to invest in based upon a series of criteria. Borrowers make fixed monthly payments to their investors, who receive the funds directly in their Prosper account.





Proxy Solutions – buy fast secure dedicated proxies and proxy support #paid


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Buy Fast, Simple, and Secure Proxy Service .

Proxy Solutions has been ranked as one of the best pay proxy service world-wide due to our easy user interface, lightning fast servers, smooth account management and amazing support. It s never been easier to buy a proxy .

Proxy Solutions staff members have tremendous experience developing and maintaining the fastest, most secure private proxy servers on the web. We are honored to be providing and upholding fast, secure and highly anonymous proxy server connections, unsurpassed within the industry, with very happy users. The premium pay proxy service we supply will offer secure, protected access through networks of supreme velocity. We are also able to offer proxy connections which work seamlessly with almost any form of web application, thus creating an effortless and efficient correlation between you and the web content you develop, search and utilize. At Proxy Solutions, a professional approach to the preservation of your web anonymity and security is always our primary focus!


Premium Proxy Services

Our extremely fast, secure and highly private anonymous proxies offer proxy services which IPs can originate from the USA, UK, China, France, Australia, Korea, Japan, Germany, Canada, Spain and Sweden.

Proxy Solutions offers highly anonymous, secure private proxy services which use SSL and other enhancements to ensure experience is the fastest available and is also extremely secure.

We offer full support which includes FAQ, proxy configuration guides, robust knowledge-base and live support staff. We make sure that you are happy with our proxy services.


Business Email Solution: Small Business Email and POP3 Hosting Solution #small #business


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Business Email Solution

Completely Hosted. Quick Setup. The email system is completely hosted by us. You don’t need to setup any hardware or download. Just sign up online and get started!

Microsoft Exchange Alternative . All the benefits of Microsoft Exchange without having to set up hardware or software. Access mail, power Outlook, share contacts, calendars and tasks, synchronize across devices and more!

Outlook Email Integration. HyperOffice lets you operate your email account through your Outlook client.

Integrated Address Books, Calendars, Tasks. Completely integrated productivity tools like shared contact lists, calendars and task management supercharge team productivity.

  • Mobile Push Mail. Push email support for almost every well known mobile devices including iPhone, BlackBerry, Windows Mobile, many Nokia and Android phones, and others. Keep your mail in synch between your mobile, online and Outlook accounts.
  • Live Training Support. Just call. Our solution experts are always at hand to help. Attend our daily live webinars.

    Business Email Features

  • Retain Your Current Email Address. You can use HyperOffice’s power and retain your current email if you choose.
  • IMAP and POP3 Email . Access you mail through any IMAP or POP3 client on your desktop or mobile
  • Webmail. Get webmail access on any web browser on any PC or Mac.
  • Mobile Mail. Push mail to mobile devices including iPhone, Blackberry. Windows Mobile, many Nokia and Android phones, and others.
    • Share Outlook. Access your mail, contacts, calendars and tasks on Outlook. Even share Outlook contacts, calendars and tasks with your team.
    • Automatic Synchronization. No matter where you access your mail, contacts, calendars and tasks – Outlook, online on HyperOffice or mobile – they are automatically updated and mirrored.
    • Spam and Virus Protection. Corporate level spam filters and virus protection ensures that only legitimate email gets to you.
    • Generous Storage. Generous 5 GB storage with our basic plan which can be upgraded.
    • Email Address Books. Organize individual and group contacts by setting up unlimited shared contact lists.
    • Shared Online Calendars. Manage individual and group schedules, and keep everyone informed of important events with shared calendars.
    • Email to Tasks. Having a tough time keeping track of tasks assigned to you by email? A single click coverts any email into a task and pushes into HyperOffice’s inbuilt task management system.
    • Rules and Filters. Create email rules and filters to direct incoming messages to specific folders.

    Founded in 1998, HyperOffice is a market leader in cloud collaboration and communication software for small and medium sized businesses. We provide the most comprehensive suite of solutions developed over more than 12 years of understanding your growing business needs. HyperOffice’s capabilities include customer portal intranet software. online document management. online project management. shared calendars. contact management software. business email. Outlook sharing and synchronization. push email and mobile collaboration. online database software and web forms and much more – offered as an integrated, easy to use solution accessible over any web connected PC, Mac, or mobile device. HyperOffice is also a viable Microsoft Sharepoint alternative and Microsoft Exchange alternative for growing companies looking for the power of enterprise class messaging and collaboration – but without the associated costs and hassles.

    Copyright 2014 HyperOffice. All rights reserved.


    Cowboy Bail – #1 Dallas Bail Bonds – Also Garland – Irving


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    Cowboy Bail Bonds is located in Dallas, Texas, and has been helping families since 1997. Our licensed bail bond agents have helped people in every situation imaginable statewide and nationwide.

    At Cowboy Bail Bonds, we believe in going the extra mile to provide professional and courteous service. Our agency is unique in that it is staffed 24 hours a day, 7 days a week. What does this mean for our clients? This means that whenever you call us, there will always be a licensed bail bond agent available and ready to assist you.

    Why Cowboy’s Dallas Bail Bonds?

    How Do Over 300,000 SATISFIED CUSTOMERS Describe Cowboy Bail Bonds?

    • Knowledgeable
    • Professional
    • Discreet
    • Friendly
    • Helpful
    • Honest
    • Fast
    • Fair

    To read more about why you should choose Cowboy Bail Bonds, click here. License #224

    About Our Process

    STEP ONE

    We will go through and explain how bail bonds work. We will also work with you to find a solution that fits your financial situation.

    STEP TWO

    You will then pay a small portion of the full bail amount.

    STEP THREE

    We then work with you and with the jail facility to quickly secure your release, or that of a loved one, by presenting the full bail amount to the court.

    This was the first time I had to bail out anyone and had no idea what to do. I went to Delta Bail first but they treated me shabbily read more

    Shannon T. Dallas


    Your Best Choice for Internet Fax Solutions #internet #fax, #online #fax, #fax


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    Fax Reinvented

    Fax without compromise. Combine the best features of traditional fax machines, Internet Fax and fax servers, without any of the drawbacks.

  • Compatible with Standard Fax Machines
  • 100% Fax Delivery Guarantee
  • A New Generation of Internet Fax
  • Fax Server Performance for Everyone
  • Reliable Fax in VoIP Environments
  • Starting Prices Lower than Phone Lines

    The FaxLogic Advantage

    Unique Feature Set Uncommon Performance

    Enjoy True Multi-User collaboration, superior reliability, security and more unique productivity features than any other fax service in the industry.

  • Consolidate Global Fax Communications
  • Connect Offices, Users and Equipment
  • Manage Users, Documents Workflow
  • Transmit Faxes Securely
  • Store Documents Indefinitely Off-Site
  • Ensure Business Continuity
  • Enjoy 99.9% Uptime Availability
  • Lower Total Cost of Ownership (TCO)

    Custom Solutions

    Tailored for Your Business

    FaxLogic offers flexible solutions to meet the needs of any business or organization, large or small. Advanced security measures support regulatory compliance for any industry.

  • Simple Migration Integration
  • Add Manage Users Anytime
  • Flexible Equipment System Configuration
  • Enable Regulatory Compliance
  • VoIP Compatible

    “We like to send faxes with our fax machine and receive faxes on our computers. FaxLogic lets us do that! Plus, we have smartphones, so we are able to receive our faxes even when we are not in our office. It helps keeps us in constant contact with our customers and makes doing business so much more convenient!”

    Debrah Harman
    Learning Wheels, Inc.

    The Internet Fax Machine

    FaxLogic’s advanced technologies combine enterprise level fax features, security, and flexible equipment choices with simple integration and ease of use. With no long-term commitment requirements and economical, high value packages offering unmatched features, performance and reliability, FaxLogic is the best Internet Fax solution for business.

    Connect Any Fax Machine to the Internet

    If you want to connect a fax machine to the Internet we’ve got you covered, whether you have an ordinary fax machine, or the latest multi-function device (MFD) that also lets you scan, copy and print. MFD’s are also known as multi-function peripherals and multi-function printers (MFP), which include Brother Multi-Function Centers (MFC). Connect any standard ITU-T Group 3 / CCITT Group 3 fax machine to FaxLogic, for reliable facsimile transmission through the Internet.

    No Expensive Phone Lines Required

    Use FaxLogic as a fax line replacement. If you’ve been looking for a fax service that offers POTS line replacement, FaxLogic is the best option. With secure, reliable Internet Fax using any standard fax machine connected to FaxLogic, save money using FaxLogic as an analog phone line replacement.

    Ultra-Reliable Fax-Over-IP
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  • 5 Tips for Using Collateral to Secure a Small Business Loan #incorporate

    #secured business loans

    #

    Here’s a fundamental truth of any organization: you need cash to help grow your business. Whether you’re a start-up, a sole proprietorship, or a limited liability corporation, getting a small business loan will be one of your top priorities if you’re looking to expand your company’s potential. But before you receive funds from a bank, a lender will scrutinize both you and your business to see if you’re a viable borrower.

    A bank will look at your company’s history, business credit, revenues, balance sheet, and your equity contributions. If you pass a credit check and you operate a healthy business, most banks will also require an additional, and tangible, guarantee that their loan will be repaid: collateral.

    Collateral assets come in many forms. Defined by the Small Business Administration, collateral is “an additional form of security which can be used to assure a lender that you have a second source of loan repayment.” Most commonly, collateral is real property (i.e. an owner-occupied home), but it can also be represented by your business’s inventory, cash savings or deposits, and equipment. In order to structure a loan that benefits both you and your business, you’ll need to make the right decision about what you offer up as collateral to the bank. It’s also important to be realistic when considering the risks of defaulting on a loan, which could have harsh consequences for not only your business, but for your personal life, too.

    Editor’s Note: Looking for loan solutions for your business? If you would like information to help you choose the one that’s right for you, use the questionnaire below to have our partner, BuyerZone, provide you with information for free:

    Below are a few tips on how you can use your assets as collateral, and how you can mitigate the risks associated of defaulting on a loan.

    1. Keep Detailed Records of your Asset’s Worth

    Banks are notoriously conservative about valuing a borrower’s assets for collateral. After all, if the borrower does default, the lender must expend resources to take the asset, find a buyer, and sell it.

    Jeff Allen, the director of operations for Trendant, a small business consulting firm based in Salt Lake City, says that one of the most common mistakes business owners make about collateral is they think it’s worth a lot more than it actually is. “They’re considering what they paid for it, and the banks only consider the fair market value of today,” he says.

    If you’re not sure of what your assets might be worth, it could be worthwhile to find an independent appraiser to give you an idea of how the bank will value your property.

    Besides for simply knowing your asset’s worth, it’s critical to keep detailed records of your assets on your balance sheet. When a bank is reviewing your business documents, they’ll want to see that you’re paying careful attention to all of the relevant factors. This is usually simpler than you think. “In keeping records, businesses tend to overcomplicate,” says Allen. “They think there’s some magical solution that the big boys use. The bottom line is that an Excel spreadsheet with a couple of line items is all you need.”

    2. Know What You Can Use as Collateral

    Essentially, there are two different types of collateral: assets that you own, and assets that you still have a loan against. If you still have a loan on the asset, (e.g. a mortgage for a house) the bank will be able to recoup the loan by refinancing your loan from the institution you have the loan against, and claim the title.

    A viable asset to use as collateral will have a title of ownership, and banks will only lend if they can get a title back, says Allen. Homes and cars are the most common forms of collateral, but you can also use watercraft, motorcycles, as well as pieces of equipment that have a title of ownership.

    Below are some relevant issues associated with each type of collateral that you should consider before approaching a bank for a loan.

    Real Property: Since the housing bubble burst, using real property as collateral financing took a huge hit. Denise Beeson, a commercial loan officer based in San Francisco, says that this has been a significant roadblock for small businesses seeking small business loans. “It’s devastating small business right now,” she says. “In the past they’ve used the equity in their home, and they don’t have any of that equity anymore.” Additionally, banks will not consider vacant land, or “dirt” as its referred to in banking, as viable collateral.

    Business Inventory and Accounts Receivable: Asset-based lending can be a great way to get a fast influx of cash to your business. For example, if your firm gets a big purchase order, you may not have the resources to meet the needs of the client without bringing on additional staff, equipment, or raw materials. In some cases, a bank will allow a company to use that purchase order as collateral. “It’s a little trickier to get,” explains Jeff Allen. “It might be more difficult because it’s harder to authenticate. but a bank will usually lend against that.”

    Cash Savings or Deposits: “Cash is always king,” says Allen. Using personal savings will almost definitely be allowed as collateral since it’s a low-risk loan for a bank. This also applies to CDs and other financial accounts. The advantage in using these accounts as collateral is that you’re guaranteed a low interest rate because it’s a secured loan. The disadvantage, clearly, is that if you default, the bank will take possession of your savings.

    3. Understanding the Risks

    Taking a loan using personal assets as collateral presents the risks of losing the assets in the event that you default on the loan. Therefore, it’s important to discuss the risks of using certain assets as collateral with a financial advisor, as well as people that could be affected by the loss of that asset.

    “Some business owners are highly risk averse, and I wouldn’t recommend putting some stuff up for collateral,” says Jeff Allen. “Because if you can’t pay it, they’re taking your car or home.”

    Be realistic about your company’s needs, and how the company will be using the funds. A financial advisor will help you assess the risks involved, as well as the odds of the loan being successful. “It comes down to being honest with yourself knowing your situation, and knowing what the funds will be used for,” says Allen. “If you really need the money, you might to find alternatives, because you might lose what you’ve leveraged.”

    Often, a limited liability company is formed to shield the business owner from these risks, but a default will inevitably still affect the owner, especially if he or she is the only shareholder.

    4. Negotiate When-;And If-;You Can

    If you’re a qualified borrower with a demonstrable history of good business credit, you should be able to secure a loan with commitments you are comfortable with. Remember, a business can always reject a lender’s offer and seek a loan from a different lending institution.

    Since banks tend to be exceptionally conservative when it comes to valuing your assets, it could be worthwhile to request an appraisal review, which is a report that comments on the accuracy of an appraisal. Similarly, a bank that does not require any collateral requirement will often charge extremely high interest rates. Be wary of predatory lending practices that could end up being expensive and harmful to your business.

    Dig Deeper: How to Build and Maintain Good Business Credit

    5. Consider Peer-to-Peer Lending

    If an asset-based loan isn’t ideal for your business, Denise Beeson recommends alternative methods of securing cash. Peer-to-peer lending is becoming an effective way for small businesses to drum up cash in the short run. “Because it is extremely difficult to get a loan based on existing collateral, a lot of borrowers are going to peer-to-peer sites to see if they can get some money from that mechanism,” she says

    While loans typically amount to less than $25,000, there’s often less red tape involved in obtaining a peer loan. Prosper.com. for example, allows borrowers to choose a loan amount, a purpose and then post a loan listing. Then, investors choose which loans they prefer to invest in based upon a series of criteria. Borrowers make fixed monthly payments to their investors, who receive the funds directly in their Prosper account.





    5 Tips for Using Collateral to Secure a Small Business Loan #business

    #secured business loans

    #

    Here’s a fundamental truth of any organization: you need cash to help grow your business. Whether you’re a start-up, a sole proprietorship, or a limited liability corporation, getting a small business loan will be one of your top priorities if you’re looking to expand your company’s potential. But before you receive funds from a bank, a lender will scrutinize both you and your business to see if you’re a viable borrower.

    A bank will look at your company’s history, business credit, revenues, balance sheet, and your equity contributions. If you pass a credit check and you operate a healthy business, most banks will also require an additional, and tangible, guarantee that their loan will be repaid: collateral.

    Collateral assets come in many forms. Defined by the Small Business Administration, collateral is “an additional form of security which can be used to assure a lender that you have a second source of loan repayment.” Most commonly, collateral is real property (i.e. an owner-occupied home), but it can also be represented by your business’s inventory, cash savings or deposits, and equipment. In order to structure a loan that benefits both you and your business, you’ll need to make the right decision about what you offer up as collateral to the bank. It’s also important to be realistic when considering the risks of defaulting on a loan, which could have harsh consequences for not only your business, but for your personal life, too.

    Editor’s Note: Looking for loan solutions for your business? If you would like information to help you choose the one that’s right for you, use the questionnaire below to have our partner, BuyerZone, provide you with information for free:

    Below are a few tips on how you can use your assets as collateral, and how you can mitigate the risks associated of defaulting on a loan.

    1. Keep Detailed Records of your Asset’s Worth

    Banks are notoriously conservative about valuing a borrower’s assets for collateral. After all, if the borrower does default, the lender must expend resources to take the asset, find a buyer, and sell it.

    Jeff Allen, the director of operations for Trendant, a small business consulting firm based in Salt Lake City, says that one of the most common mistakes business owners make about collateral is they think it’s worth a lot more than it actually is. “They’re considering what they paid for it, and the banks only consider the fair market value of today,” he says.

    If you’re not sure of what your assets might be worth, it could be worthwhile to find an independent appraiser to give you an idea of how the bank will value your property.

    Besides for simply knowing your asset’s worth, it’s critical to keep detailed records of your assets on your balance sheet. When a bank is reviewing your business documents, they’ll want to see that you’re paying careful attention to all of the relevant factors. This is usually simpler than you think. “In keeping records, businesses tend to overcomplicate,” says Allen. “They think there’s some magical solution that the big boys use. The bottom line is that an Excel spreadsheet with a couple of line items is all you need.”

    2. Know What You Can Use as Collateral

    Essentially, there are two different types of collateral: assets that you own, and assets that you still have a loan against. If you still have a loan on the asset, (e.g. a mortgage for a house) the bank will be able to recoup the loan by refinancing your loan from the institution you have the loan against, and claim the title.

    A viable asset to use as collateral will have a title of ownership, and banks will only lend if they can get a title back, says Allen. Homes and cars are the most common forms of collateral, but you can also use watercraft, motorcycles, as well as pieces of equipment that have a title of ownership.

    Below are some relevant issues associated with each type of collateral that you should consider before approaching a bank for a loan.

    Real Property: Since the housing bubble burst, using real property as collateral financing took a huge hit. Denise Beeson, a commercial loan officer based in San Francisco, says that this has been a significant roadblock for small businesses seeking small business loans. “It’s devastating small business right now,” she says. “In the past they’ve used the equity in their home, and they don’t have any of that equity anymore.” Additionally, banks will not consider vacant land, or “dirt” as its referred to in banking, as viable collateral.

    Business Inventory and Accounts Receivable: Asset-based lending can be a great way to get a fast influx of cash to your business. For example, if your firm gets a big purchase order, you may not have the resources to meet the needs of the client without bringing on additional staff, equipment, or raw materials. In some cases, a bank will allow a company to use that purchase order as collateral. “It’s a little trickier to get,” explains Jeff Allen. “It might be more difficult because it’s harder to authenticate. but a bank will usually lend against that.”

    Cash Savings or Deposits: “Cash is always king,” says Allen. Using personal savings will almost definitely be allowed as collateral since it’s a low-risk loan for a bank. This also applies to CDs and other financial accounts. The advantage in using these accounts as collateral is that you’re guaranteed a low interest rate because it’s a secured loan. The disadvantage, clearly, is that if you default, the bank will take possession of your savings.

    3. Understanding the Risks

    Taking a loan using personal assets as collateral presents the risks of losing the assets in the event that you default on the loan. Therefore, it’s important to discuss the risks of using certain assets as collateral with a financial advisor, as well as people that could be affected by the loss of that asset.

    “Some business owners are highly risk averse, and I wouldn’t recommend putting some stuff up for collateral,” says Jeff Allen. “Because if you can’t pay it, they’re taking your car or home.”

    Be realistic about your company’s needs, and how the company will be using the funds. A financial advisor will help you assess the risks involved, as well as the odds of the loan being successful. “It comes down to being honest with yourself knowing your situation, and knowing what the funds will be used for,” says Allen. “If you really need the money, you might to find alternatives, because you might lose what you’ve leveraged.”

    Often, a limited liability company is formed to shield the business owner from these risks, but a default will inevitably still affect the owner, especially if he or she is the only shareholder.

    4. Negotiate When-;And If-;You Can

    If you’re a qualified borrower with a demonstrable history of good business credit, you should be able to secure a loan with commitments you are comfortable with. Remember, a business can always reject a lender’s offer and seek a loan from a different lending institution.

    Since banks tend to be exceptionally conservative when it comes to valuing your assets, it could be worthwhile to request an appraisal review, which is a report that comments on the accuracy of an appraisal. Similarly, a bank that does not require any collateral requirement will often charge extremely high interest rates. Be wary of predatory lending practices that could end up being expensive and harmful to your business.

    Dig Deeper: How to Build and Maintain Good Business Credit

    5. Consider Peer-to-Peer Lending

    If an asset-based loan isn’t ideal for your business, Denise Beeson recommends alternative methods of securing cash. Peer-to-peer lending is becoming an effective way for small businesses to drum up cash in the short run. “Because it is extremely difficult to get a loan based on existing collateral, a lot of borrowers are going to peer-to-peer sites to see if they can get some money from that mechanism,” she says

    While loans typically amount to less than $25,000, there’s often less red tape involved in obtaining a peer loan. Prosper.com. for example, allows borrowers to choose a loan amount, a purpose and then post a loan listing. Then, investors choose which loans they prefer to invest in based upon a series of criteria. Borrowers make fixed monthly payments to their investors, who receive the funds directly in their Prosper account.





    5 Tips for Using Collateral to Secure a Small Business Loan #business

    #secured business loans

    #

    Here’s a fundamental truth of any organization: you need cash to help grow your business. Whether you’re a start-up, a sole proprietorship, or a limited liability corporation, getting a small business loan will be one of your top priorities if you’re looking to expand your company’s potential. But before you receive funds from a bank, a lender will scrutinize both you and your business to see if you’re a viable borrower.

    A bank will look at your company’s history, business credit, revenues, balance sheet, and your equity contributions. If you pass a credit check and you operate a healthy business, most banks will also require an additional, and tangible, guarantee that their loan will be repaid: collateral.

    Collateral assets come in many forms. Defined by the Small Business Administration, collateral is “an additional form of security which can be used to assure a lender that you have a second source of loan repayment.” Most commonly, collateral is real property (i.e. an owner-occupied home), but it can also be represented by your business’s inventory, cash savings or deposits, and equipment. In order to structure a loan that benefits both you and your business, you’ll need to make the right decision about what you offer up as collateral to the bank. It’s also important to be realistic when considering the risks of defaulting on a loan, which could have harsh consequences for not only your business, but for your personal life, too.

    Editor’s Note: Looking for loan solutions for your business? If you would like information to help you choose the one that’s right for you, use the questionnaire below to have our partner, BuyerZone, provide you with information for free:

    Below are a few tips on how you can use your assets as collateral, and how you can mitigate the risks associated of defaulting on a loan.

    1. Keep Detailed Records of your Asset’s Worth

    Banks are notoriously conservative about valuing a borrower’s assets for collateral. After all, if the borrower does default, the lender must expend resources to take the asset, find a buyer, and sell it.

    Jeff Allen, the director of operations for Trendant, a small business consulting firm based in Salt Lake City, says that one of the most common mistakes business owners make about collateral is they think it’s worth a lot more than it actually is. “They’re considering what they paid for it, and the banks only consider the fair market value of today,” he says.

    If you’re not sure of what your assets might be worth, it could be worthwhile to find an independent appraiser to give you an idea of how the bank will value your property.

    Besides for simply knowing your asset’s worth, it’s critical to keep detailed records of your assets on your balance sheet. When a bank is reviewing your business documents, they’ll want to see that you’re paying careful attention to all of the relevant factors. This is usually simpler than you think. “In keeping records, businesses tend to overcomplicate,” says Allen. “They think there’s some magical solution that the big boys use. The bottom line is that an Excel spreadsheet with a couple of line items is all you need.”

    2. Know What You Can Use as Collateral

    Essentially, there are two different types of collateral: assets that you own, and assets that you still have a loan against. If you still have a loan on the asset, (e.g. a mortgage for a house) the bank will be able to recoup the loan by refinancing your loan from the institution you have the loan against, and claim the title.

    A viable asset to use as collateral will have a title of ownership, and banks will only lend if they can get a title back, says Allen. Homes and cars are the most common forms of collateral, but you can also use watercraft, motorcycles, as well as pieces of equipment that have a title of ownership.

    Below are some relevant issues associated with each type of collateral that you should consider before approaching a bank for a loan.

    Real Property: Since the housing bubble burst, using real property as collateral financing took a huge hit. Denise Beeson, a commercial loan officer based in San Francisco, says that this has been a significant roadblock for small businesses seeking small business loans. “It’s devastating small business right now,” she says. “In the past they’ve used the equity in their home, and they don’t have any of that equity anymore.” Additionally, banks will not consider vacant land, or “dirt” as its referred to in banking, as viable collateral.

    Business Inventory and Accounts Receivable: Asset-based lending can be a great way to get a fast influx of cash to your business. For example, if your firm gets a big purchase order, you may not have the resources to meet the needs of the client without bringing on additional staff, equipment, or raw materials. In some cases, a bank will allow a company to use that purchase order as collateral. “It’s a little trickier to get,” explains Jeff Allen. “It might be more difficult because it’s harder to authenticate. but a bank will usually lend against that.”

    Cash Savings or Deposits: “Cash is always king,” says Allen. Using personal savings will almost definitely be allowed as collateral since it’s a low-risk loan for a bank. This also applies to CDs and other financial accounts. The advantage in using these accounts as collateral is that you’re guaranteed a low interest rate because it’s a secured loan. The disadvantage, clearly, is that if you default, the bank will take possession of your savings.

    3. Understanding the Risks

    Taking a loan using personal assets as collateral presents the risks of losing the assets in the event that you default on the loan. Therefore, it’s important to discuss the risks of using certain assets as collateral with a financial advisor, as well as people that could be affected by the loss of that asset.

    “Some business owners are highly risk averse, and I wouldn’t recommend putting some stuff up for collateral,” says Jeff Allen. “Because if you can’t pay it, they’re taking your car or home.”

    Be realistic about your company’s needs, and how the company will be using the funds. A financial advisor will help you assess the risks involved, as well as the odds of the loan being successful. “It comes down to being honest with yourself knowing your situation, and knowing what the funds will be used for,” says Allen. “If you really need the money, you might to find alternatives, because you might lose what you’ve leveraged.”

    Often, a limited liability company is formed to shield the business owner from these risks, but a default will inevitably still affect the owner, especially if he or she is the only shareholder.

    4. Negotiate When-;And If-;You Can

    If you’re a qualified borrower with a demonstrable history of good business credit, you should be able to secure a loan with commitments you are comfortable with. Remember, a business can always reject a lender’s offer and seek a loan from a different lending institution.

    Since banks tend to be exceptionally conservative when it comes to valuing your assets, it could be worthwhile to request an appraisal review, which is a report that comments on the accuracy of an appraisal. Similarly, a bank that does not require any collateral requirement will often charge extremely high interest rates. Be wary of predatory lending practices that could end up being expensive and harmful to your business.

    Dig Deeper: How to Build and Maintain Good Business Credit

    5. Consider Peer-to-Peer Lending

    If an asset-based loan isn’t ideal for your business, Denise Beeson recommends alternative methods of securing cash. Peer-to-peer lending is becoming an effective way for small businesses to drum up cash in the short run. “Because it is extremely difficult to get a loan based on existing collateral, a lot of borrowers are going to peer-to-peer sites to see if they can get some money from that mechanism,” she says

    While loans typically amount to less than $25,000, there’s often less red tape involved in obtaining a peer loan. Prosper.com. for example, allows borrowers to choose a loan amount, a purpose and then post a loan listing. Then, investors choose which loans they prefer to invest in based upon a series of criteria. Borrowers make fixed monthly payments to their investors, who receive the funds directly in their Prosper account.





    5 Tips for Using Collateral to Secure a Small Business Loan #business

    #secured business loans

    #

    Here’s a fundamental truth of any organization: you need cash to help grow your business. Whether you’re a start-up, a sole proprietorship, or a limited liability corporation, getting a small business loan will be one of your top priorities if you’re looking to expand your company’s potential. But before you receive funds from a bank, a lender will scrutinize both you and your business to see if you’re a viable borrower.

    A bank will look at your company’s history, business credit, revenues, balance sheet, and your equity contributions. If you pass a credit check and you operate a healthy business, most banks will also require an additional, and tangible, guarantee that their loan will be repaid: collateral.

    Collateral assets come in many forms. Defined by the Small Business Administration, collateral is “an additional form of security which can be used to assure a lender that you have a second source of loan repayment.” Most commonly, collateral is real property (i.e. an owner-occupied home), but it can also be represented by your business’s inventory, cash savings or deposits, and equipment. In order to structure a loan that benefits both you and your business, you’ll need to make the right decision about what you offer up as collateral to the bank. It’s also important to be realistic when considering the risks of defaulting on a loan, which could have harsh consequences for not only your business, but for your personal life, too.

    Editor’s Note: Looking for loan solutions for your business? If you would like information to help you choose the one that’s right for you, use the questionnaire below to have our partner, BuyerZone, provide you with information for free:

    Below are a few tips on how you can use your assets as collateral, and how you can mitigate the risks associated of defaulting on a loan.

    1. Keep Detailed Records of your Asset’s Worth

    Banks are notoriously conservative about valuing a borrower’s assets for collateral. After all, if the borrower does default, the lender must expend resources to take the asset, find a buyer, and sell it.

    Jeff Allen, the director of operations for Trendant, a small business consulting firm based in Salt Lake City, says that one of the most common mistakes business owners make about collateral is they think it’s worth a lot more than it actually is. “They’re considering what they paid for it, and the banks only consider the fair market value of today,” he says.

    If you’re not sure of what your assets might be worth, it could be worthwhile to find an independent appraiser to give you an idea of how the bank will value your property.

    Besides for simply knowing your asset’s worth, it’s critical to keep detailed records of your assets on your balance sheet. When a bank is reviewing your business documents, they’ll want to see that you’re paying careful attention to all of the relevant factors. This is usually simpler than you think. “In keeping records, businesses tend to overcomplicate,” says Allen. “They think there’s some magical solution that the big boys use. The bottom line is that an Excel spreadsheet with a couple of line items is all you need.”

    2. Know What You Can Use as Collateral

    Essentially, there are two different types of collateral: assets that you own, and assets that you still have a loan against. If you still have a loan on the asset, (e.g. a mortgage for a house) the bank will be able to recoup the loan by refinancing your loan from the institution you have the loan against, and claim the title.

    A viable asset to use as collateral will have a title of ownership, and banks will only lend if they can get a title back, says Allen. Homes and cars are the most common forms of collateral, but you can also use watercraft, motorcycles, as well as pieces of equipment that have a title of ownership.

    Below are some relevant issues associated with each type of collateral that you should consider before approaching a bank for a loan.

    Real Property: Since the housing bubble burst, using real property as collateral financing took a huge hit. Denise Beeson, a commercial loan officer based in San Francisco, says that this has been a significant roadblock for small businesses seeking small business loans. “It’s devastating small business right now,” she says. “In the past they’ve used the equity in their home, and they don’t have any of that equity anymore.” Additionally, banks will not consider vacant land, or “dirt” as its referred to in banking, as viable collateral.

    Business Inventory and Accounts Receivable: Asset-based lending can be a great way to get a fast influx of cash to your business. For example, if your firm gets a big purchase order, you may not have the resources to meet the needs of the client without bringing on additional staff, equipment, or raw materials. In some cases, a bank will allow a company to use that purchase order as collateral. “It’s a little trickier to get,” explains Jeff Allen. “It might be more difficult because it’s harder to authenticate. but a bank will usually lend against that.”

    Cash Savings or Deposits: “Cash is always king,” says Allen. Using personal savings will almost definitely be allowed as collateral since it’s a low-risk loan for a bank. This also applies to CDs and other financial accounts. The advantage in using these accounts as collateral is that you’re guaranteed a low interest rate because it’s a secured loan. The disadvantage, clearly, is that if you default, the bank will take possession of your savings.

    3. Understanding the Risks

    Taking a loan using personal assets as collateral presents the risks of losing the assets in the event that you default on the loan. Therefore, it’s important to discuss the risks of using certain assets as collateral with a financial advisor, as well as people that could be affected by the loss of that asset.

    “Some business owners are highly risk averse, and I wouldn’t recommend putting some stuff up for collateral,” says Jeff Allen. “Because if you can’t pay it, they’re taking your car or home.”

    Be realistic about your company’s needs, and how the company will be using the funds. A financial advisor will help you assess the risks involved, as well as the odds of the loan being successful. “It comes down to being honest with yourself knowing your situation, and knowing what the funds will be used for,” says Allen. “If you really need the money, you might to find alternatives, because you might lose what you’ve leveraged.”

    Often, a limited liability company is formed to shield the business owner from these risks, but a default will inevitably still affect the owner, especially if he or she is the only shareholder.

    4. Negotiate When-;And If-;You Can

    If you’re a qualified borrower with a demonstrable history of good business credit, you should be able to secure a loan with commitments you are comfortable with. Remember, a business can always reject a lender’s offer and seek a loan from a different lending institution.

    Since banks tend to be exceptionally conservative when it comes to valuing your assets, it could be worthwhile to request an appraisal review, which is a report that comments on the accuracy of an appraisal. Similarly, a bank that does not require any collateral requirement will often charge extremely high interest rates. Be wary of predatory lending practices that could end up being expensive and harmful to your business.

    Dig Deeper: How to Build and Maintain Good Business Credit

    5. Consider Peer-to-Peer Lending

    If an asset-based loan isn’t ideal for your business, Denise Beeson recommends alternative methods of securing cash. Peer-to-peer lending is becoming an effective way for small businesses to drum up cash in the short run. “Because it is extremely difficult to get a loan based on existing collateral, a lot of borrowers are going to peer-to-peer sites to see if they can get some money from that mechanism,” she says

    While loans typically amount to less than $25,000, there’s often less red tape involved in obtaining a peer loan. Prosper.com. for example, allows borrowers to choose a loan amount, a purpose and then post a loan listing. Then, investors choose which loans they prefer to invest in based upon a series of criteria. Borrowers make fixed monthly payments to their investors, who receive the funds directly in their Prosper account.