Small Business Ideas, start up business ideas.#Start #up #business #ideas

Small Business Ideas MySmallBiz.com

Want to start a small business? You’ve come to the right place.

Are you so incredibly passionate to start a business and are looking for a list of small business ideas to answer the million dollar question, “What business should I start?” Well, you’ve come to the right place… MySmallBiz.com helps thousands of people every day – people just like you – come up with profitable small business ideas and begin to learn how to start a small business. Whether you’re looking for home business ideas, internet business

Featured Business Ideas

Start up business ideas

Coupon Website Business Idea

The question of how to start a coupon website is asked quite often with the recent explosive growth of other online coupon sites. The rapid success of regional deal-of-the-day websites, like Groupon, makes the development of a coupon site a compelling concept. As a small business owner, you have the unique opportunity to step in [. ]

Start up business ideas

Bodyguard Business Idea

Are you interested in exploring the possibility of starting a bodyguard business? With so many crimes taking place, personal security is an important issue. An increased sense of vulnerability in today s chaotic world has led more and more people to seek protection from professional bodyguard agencies. A bodyguard business offers protection to its customers by [. ]

Start up business ideas

Dog Kennel Business Idea

By opening a dog kennel business you can provide the type of care and attention dog owners are looking for. Boarding is becoming more and more popular given our busy lives and travel schedules. When dog owners go away for an extended period of time, a kennel is the first choice for boarding their beloved [. ]

Start up business ideas

Medical Billing Business Idea

If you have a technical mind and an eye for detail, consider starting a medical billing business. As our population gets older, more people are going to the doctor both to address serious problems and as a preventative measure. Regardless of the reason, more visits result in more bills, which means more paperwork for doctors [. ]





Finance and support for your business, start up business grants.#Start #up #business

Finance and support for your business

Access to finance is a scheme for businesses who need help raising finance for growth.

Provides free business development support and guidance.

Loan and grant fund to support automotive and aerospace projects in the West Midlands and Liverpool.

Training and advice to encourage the establishment of co-operatives.

Advice and support for businesses in southern England.

Business advice and support for individuals starting a business.

Advice on good practice in employment and employment relations.

Specialist advice and training for problem solving and service provision in agriculture, animal health, food, environment and biosciences in Northern Ireland.

Grants and support to increase research, development and innovation in agritech.

Helps businesses employ apprentices by providing them with training opportunities.

Business support, training and advisory services for the Ards Borough Area.

Armagh Business Centre offers tailored support for businesses in Nothern Ireland.

Loans for new and existing small businesses to create and safeguard jobs in the West Midlands

Grants for programming costs, organising and running arts programmes in Nothern Ireland.

Funding for creative organisations and projects in Wales

Vouchers to access external expertise, facilities and equipment to help your business innovate and grow.

Information and guidance on working in environment with asbestos.

Specialist advice for small businesses based in Northern Ireland.

Training of motor mechanics in electronic diagnosis of faults.

Free support, help with finance and low-cost flexible workspace for new and existing small or medium businesses in Barking and Dagenham.

Loans to help small and medium-sized businesses develop and grow.

Offers free support and guidance for graduates of any university in England, Scotland, Wales and Northern Ireland to start a business.

Support for beef and sheep farmers in Wales.

Subsidised broadband installation for businesses that can’t access an affordable broadband service with a speed of at least 2MB per second.

Free, quick and easy access to a directory of approved finance suppliers for UK businesses.

Big Issue Invest helps social enterprises and charities by providing loans and investments.

Support for scientists and business specialists to solve a process, material, or product development challenge.

Advice and support for businesses across Lancashire: including coaching, mentoring, skills training, funding and start-up support.

Business grants to install high speed broadband connections directly to a premises in Cardiff and Swansea

Funding for the installation of broadband to areas in Wales where existing providers don’t provide a service.

Grant funding to the value of £1,000 available to invest in projects that will help grow your business.

Free business support and advice tailored to your business needs.

Grants to help Swansea City centre businesses improve their shopfronts or building facades

Free support for small and medium-sized businesses in the development of products and services that reduce carbon usage.

Free one to one advice for pre-start and new businesses based in the South East of England

Advice, workshops, loans and innovation grant services for start-up and trading businesses in Cambridgeshire, Essex, Norfolk and Suffolk

Free advice, planning and on-going support for business start-ups in south-east England

Advice on topics like licensing, finances, recruitment and development for new and established businesses based in Wales

Information, advice, training and support for businesses based in North Somerset

Start-up advice and support for businesses in Essex

Advice, databases, publications and workshops for business owners, innovators and entrepreneurs who want to grow.

Programmes to support businesses and social enterprises in Northern Ireland.

One-to-one advisory sessions and specialised workshops available for businesses in Derbyshire, Nottinghamshire and Greater Lincolnshire.

Alternative financing for UK small business owners.

One-to-one and online business advice from 6 business centres on starting, growing or relocating your business in East Riding.

Business planning, sales, marketing and social media workshops and advice for Tees Valley residents thinking of starting a business.

Increases awareness of business continuity management in Manchester’s business and voluntary sector.

Start-up and development grants for businesses in Wales.

Grants to help start-up and established small and medium-sized businesses (SMEs) in North Yorkshire to grow.

Energy reviews and grants to help businesses in the West Midlands manage and reduce energy costs.





Business News, The Chronicle Herald, business start up.#Business #start #up

business start up

Business start up

COMMENTARY: Save protected areas from mining

Business start up

Lunenburg native wins Startup Canada’s Young Entrepreneur Award

Business start up

Blueberry growers face price crisis

Business start up

How Canada turned to Mexico to fend off TPP pressure from Japan, Australia

Business start up

VIDEO: Canada’s decision to decline TPP agreement shouldn’t have been surprise: Trudeau

Business start up

Asia-Pacific forum sticks to free-trade gospel despite Trump

Business start up

US cities, states defy Trump, still back Paris climate deal

Newcap Radio buys two New Glasgow stations

BUSINESS BOOKSHELF: The Power of Trust

Business start up

Weinstein’s Impact: List of men accused of sexual misconduct

Business start up

Crocs, Dawgs decade-long legal battle over clogs moves to Canadian courts

Most actively traded companies on the TSX

Business start up

Sherritt to transfer part ownership of Madagascar mine to settled debt woes

Business start up

Cominar looking for Sears replacements after toiling to fill Target locations

Business start up

Ottawa’s plan for excise tax on medical marijuana draws ire of patients, producers

Business start up

Trudeau embrace of TPP could hurt tough NAFTA talks with Trump: experts

Business start up

Alberta puts up $40M to help workers transition during coal-power phase-out

Business start up





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

Join the leading accelerator in Latin America

Startups

Portfolio’s Valuation

Business start up

Up to CL$60 millions (about US 90K) and perks from USD$100K

Business start up

Working Visa & Soft Landing

1 year working visa and soft landing process to start your business in Chile

Business start up

Community and Networks

Access to one of the biggest and most diverse startup communities in the world

Business start up

Training, mentors and investors

Accelerate your business with the help of our partners.

We have great perks for you

Business start up

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Business start up

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Business start up

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Business start up

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Business start up

Work everyday with people from all over the world

What people say about us

Business start up

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

Ministro de Economía Luis Felipe Césepedes, Chile

Business start up

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





Accion, Small Business Loans, start up business loan.#Start #up #business #loan

Launching Dreams, Empowering Entrepreneurs

Accion believes entrepreneurs create vibrant communities. We deliver a level of personalized service you won’t find at any other lender. Capital is just one tool you need to reach your goals, and we partner with you every step of the way.

Delivered to small business owners

Years of lending experience in the U.S.

500,000+

Entrepreneurs across the country served

Start up business loan

What Makes Us Different

Loans designed to help you succeed, with terms specific to your needs and goals.

Champion for Small Business

We are leaders in the responsible lending movement and dedicated to advancing local and national initiatives that support and empower entrepreneurs.

Access to business experts, special events, networking, and opportunities from our partners, as well as exclusive online resources help you take your business to the next level.

Every community has a unique business climate. Our on-the-ground expertise keeps you ahead of the curve no matter where you operate.

We match every borrower with a knowledgeable loan expert who provides personalized guidance through the loan process and beyond.

Simple Online Application

In less than 15 minutes, you could be on your way to getting the capital you need to run the business you love.

Hear What Business Owners Are Saying

A loan is an opportunity for a better future. Meet some of the entrepreneurs who have used Accion loans and support to grow their business.

Maria Harrison
Tea Gallerie

“We were so happy that someone believed in us. Accion is a financial partner and a supportive community partner.”

Odilon Celestin
C M Sweet Bakery

“Accion doesn’t just give you money they help you survive. My dream came true because I didn’t give up.”

Scott Carpenter
Underground Fitness

“I hit a lot of dead ends. Then I found Accion.”

Pamela A. Jones
Charboy’s

“At Accion, the loan process was straightforward. Now I have a whole line of sauces in 200 stores.”

What to Expect

A fast and simple online application experience paired with unmatched personalized service for every applicant.

Start up business loan

Apply online, in person or call us

Get started by telling us about your business and financing needs. We welcome the chance to get to know you and your business. Questions? We are here to help.

Start up business loan

Get a solution that fits your needs

Our loan experts work one-on-one with you to tailor solutions to you, your business and your goals.

Start up business loan

Get the support you want

We want to be your most trusted resource. We’ll work with you every step of the way to put your loan to work and get your business on the right track.

Because we believe you deserve an efficient and transparent borrowing experience, we are a signatory of the Small Business Borrowers Bill of Rights.

Business Resources

Getting the capital your business needs is just one piece of the puzzle. Explore our library of tips, articles and videos to help your business grow.

Start up business loan

article

10 Essential Tips for Growing Your Business

Start up business loan

program

Brewing the American Dream

Start up business loan

video

3 Vital Components to Your Business Plan

Free Small Business Owner’s Toolkit

Running a business is hard work, but we re here to help. Get tips on everything from setting up your business to creating a website to paying taxes, based on Accion s experience helping entrepreneurs in every industry across the U.S.

Start up business loan

2017Accion is a 501(c)(3) nonprofit organization. All rights reserved.

Start up business loan

“At Accion, the loan process was straightforward. Now I have a whole line of sauces in 200 stores.”





Small Business Loans, Minority Start Up Business Loan for Women with Bad

Small Business Loans

Are you tired of shopping around for the lowest commercial loan rate in the market or simply getting a quick approval for a small business loan to help jumpstart your business?

We are a leading financial service company offering our clients a wide array of business financing solutions tailored to meet every specific business needs. Our financial products include but not limited to commercial real estate loans, small business loans, cash advance, and a newly developed business loan express program that can finance your business within a 72-hour funding time.

We have a high approval rate for borrowers with various circumstances.

Whether you’re requiring specific incentive program such as a small business loan for minority or small business loan for women, we will find the best business loan program for you. Our wide network of direct lending relationship provides an opportunity for us to place you in the best loan program that fit your business needs.

Start Up Business Loans(SBA Loans)

SBA Loans are fully amortized for the length of the term ranging from 7 to 25 years depending on the use of the loan. No balloon payments at the end of the term. And up to 90% financing meaning only a 10% down payment is required by the borrower. SBA Loans are guaranteed by the government therefore providing the market with extremely competitive rates for small business loans up to $5,000,000. These small business loans can be used for commercial real estate purchases, working capital, as well as other uses sanctioned by the government.

Veteran Business Loan Minority Business Loan

With over a hundred direct lending relationships available, we can offer the best incentive programs for our borrowers. We have a high approval rate for borrowers because we are not limited to a few programs available from a specific bank or lender. We also are able to provide incentive small business loans for veteran, women and/or minorities. These incentive programs for women and minorities may include reduced rates, quicker approval and funding, as well as many other benefits for veteran business loans.

Business Credit Card

With the highest approval rate among all types of financing, business credit cards are the most recommended form of funding by MyOwnBusinessLoan.com. A revolving line of credit can be used on inventory and normal office expenses. Once inventory is sold and profit is made, the line of credit can be paid off and used again to purchase additional inventory to be sold. A business credit card makes it easy for a start up business owner to track expenses through the credit cards monthly statement and report.

Start up business loan

Start up business loan

Start up business loan





Business News, The Chronicle Herald, business start up.#Business #start #up

business start up

Business start up

COMMENTARY: Save protected areas from mining

Business start up

Lunenburg native wins Startup Canada’s Young Entrepreneur Award

Business start up

Blueberry growers face price crisis

Business start up

How Canada turned to Mexico to fend off TPP pressure from Japan, Australia

Business start up

VIDEO: Canada’s decision to decline TPP agreement shouldn’t have been surprise: Trudeau

Business start up

Asia-Pacific forum sticks to free-trade gospel despite Trump

Business start up

US cities, states defy Trump, still back Paris climate deal

Newcap Radio buys two New Glasgow stations

BUSINESS BOOKSHELF: The Power of Trust

Business start up

Weinstein’s Impact: List of men accused of sexual misconduct

Business start up

Crocs, Dawgs decade-long legal battle over clogs moves to Canadian courts

Most actively traded companies on the TSX

Business start up

Sherritt to transfer part ownership of Madagascar mine to settled debt woes

Business start up

Cominar looking for Sears replacements after toiling to fill Target locations

Business start up

Ottawa’s plan for excise tax on medical marijuana draws ire of patients, producers

Business start up

Trudeau embrace of TPP could hurt tough NAFTA talks with Trump: experts

Business start up

Alberta puts up $40M to help workers transition during coal-power phase-out

Business start up





Home, Business Victoria, small business start up.#Small #business #start #up

Site Navigation Menu

Small business start up

Small business start up

Advancing Victorian Manufacturing is the Victorian Government’s blueprint for growth of manufacturing in Victoria.

Small business start up

You can do good and make money at the same time. That’s the message from Bessi Graham of The Difference Incubator.

Small business start up

Victorian Government support is available to businesses experiencing significant rises to gas and electricity costs.

Small business start up

Small Business Victoria Workshops are low cost, practical and run by experts in their fields year round across metro and regional Victoria.

Small business start up

To help get your business moving, the Small Business Bus is now touring Victoria bringing expert advice and assistance to you.

Small business start up

Find everything you need to know about grants and assistance programs to start, run and grow your business.

Small business start up

ABLIS is a free online tool which helps you find government licences, permits and registrations applicable to your business.

Small Business Victoria Update

Tips, tools, news and events to help you run and grow your business – delivered fortnightly.





Advice and ideas for UK small businesses, small business start up.#Small #business

small business start up

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

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

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

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

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

British Small Business Awards 2017: The winners

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

Women will effectively work for free for the rest of 2017

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

Entrepreneurial Brits: 80 per cent want start their own business

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

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

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

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

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

Lessons learnt from the Ryanair flights crisis

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

Gender savings gap: Half of female workers unprepared for retirement

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

Choosing the right supplier

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

Generation Z poses new challenges for online fashion retailers

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

Businesses and employees demand protection for gig workers

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

Your first website: Stock vanilla or bells & whistles

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

The Vitesse Network

Further Information

Small business start up WordPress Development Agency London & Guildford

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





Accion, Small Business Loans, start up business loans.#Start #up #business #loans

Launching Dreams, Empowering Entrepreneurs

Accion believes entrepreneurs create vibrant communities. We deliver a level of personalized service you won’t find at any other lender. Capital is just one tool you need to reach your goals, and we partner with you every step of the way.

Delivered to small business owners

Years of lending experience in the U.S.

500,000+

Entrepreneurs across the country served

Start up business loans

What Makes Us Different

Loans designed to help you succeed, with terms specific to your needs and goals.

Champion for Small Business

We are leaders in the responsible lending movement and dedicated to advancing local and national initiatives that support and empower entrepreneurs.

Access to business experts, special events, networking, and opportunities from our partners, as well as exclusive online resources help you take your business to the next level.

Every community has a unique business climate. Our on-the-ground expertise keeps you ahead of the curve no matter where you operate.

We match every borrower with a knowledgeable loan expert who provides personalized guidance through the loan process and beyond.

Simple Online Application

In less than 15 minutes, you could be on your way to getting the capital you need to run the business you love.

Hear What Business Owners Are Saying

A loan is an opportunity for a better future. Meet some of the entrepreneurs who have used Accion loans and support to grow their business.

Maria Harrison
Tea Gallerie

“We were so happy that someone believed in us. Accion is a financial partner and a supportive community partner.”

Odilon Celestin
C M Sweet Bakery

“Accion doesn’t just give you money they help you survive. My dream came true because I didn’t give up.”

Scott Carpenter
Underground Fitness

“I hit a lot of dead ends. Then I found Accion.”

Pamela A. Jones
Charboy’s

“At Accion, the loan process was straightforward. Now I have a whole line of sauces in 200 stores.”

What to Expect

A fast and simple online application experience paired with unmatched personalized service for every applicant.

Start up business loans

Apply online, in person or call us

Get started by telling us about your business and financing needs. We welcome the chance to get to know you and your business. Questions? We are here to help.

Start up business loans

Get a solution that fits your needs

Our loan experts work one-on-one with you to tailor solutions to you, your business and your goals.

Start up business loans

Get the support you want

We want to be your most trusted resource. We’ll work with you every step of the way to put your loan to work and get your business on the right track.

Because we believe you deserve an efficient and transparent borrowing experience, we are a signatory of the Small Business Borrowers Bill of Rights.

Business Resources

Getting the capital your business needs is just one piece of the puzzle. Explore our library of tips, articles and videos to help your business grow.

Start up business loans

article

10 Essential Tips for Growing Your Business

Start up business loans

program

Brewing the American Dream

Start up business loans

video

3 Vital Components to Your Business Plan

Free Small Business Owner’s Toolkit

Running a business is hard work, but we re here to help. Get tips on everything from setting up your business to creating a website to paying taxes, based on Accion s experience helping entrepreneurs in every industry across the U.S.

Start up business loans

2017Accion is a 501(c)(3) nonprofit organization. All rights reserved.

Start up business loans

“At Accion, the loan process was straightforward. Now I have a whole line of sauces in 200 stores.”





Business Loans, start up business loans.#Start #up #business #loans

First Enterprise is here to help businesses to grow and flourish

Raising business finance and continuing business growth is key to keeping the cogs of any business turning. Through our Enterprise Loans East Midlands and South East Midlands programme we deliver business lending of between 3,000 and 150,000 to help entrepreneurs flourish and existing business to grow.

Our rates are competitive and our loans are always tailored to you. To find out if you could be eligible to receive business finance or a Start-Up loan, please contact us or read more below.

Start up business loans

Start

Business

Creative

Businesses in any sector can apply for a Start Up Loan

The Start Up Loans Company is a UK-wide, government backed scheme, which offers a repayable loan to individuals over the age of 18 who have a viable business idea but no access to finance. The scheme funds businesses in every sector. As well as financial backing all loan recipients are given access to a mentor, free training events and exclusive business offers.

There are no fees incurred for obtaining a Start Up Loan or for accessing any services that are associated with it (with the exception of certain business offers, which are entirely optional). To find out about any offers that Start Up Loans Company have secured, through Corporate Partnerships go to http://www.startuploans.co.uk/corporate-partners/

Enterprise Loans East Midlands is part of a network of official Start Up Loans delivery partners across the UK who administer the scheme.

We are here to guide you through the application process, including advice on creating a business plan and cash flow forecast. If you receive a loan we will then support you through your journey, providing you with your business mentor.

The Start Up Loans programme is not grant-based funding. It offers finance in the form of loans only, with monthly loan repayments forming a primary condition of the loan agreement applicants accept and sign.

Failure to make any repayments may affect your credit score and in certain circumstances may lead to formal action.

Start up business loans





How to Start a Small Business, Bizfluent, start up business loan.#Start #up

How to Start a Small Business

Start up business loan

Successfully starting a small business requires answering as many questions as possible before you open your doors rather than tackling problems after you’ve already launched. Researching the marketplace, writing a business plan and securing adequate capital are the basic steps to take when you start any small business.

Items you will need

  • Business plan
  • Credit reports
  • Permits, licenses, insurance

Research the Marketplace

Determine who your competition is by looking at companies that offer the same product, service or benefit you do. Visit their stores and websites and buy their products, if possible. Talk to potential customers about what they want from a company or product like yours, and what they think of your competitors. Look at the pricing in your marketplace to help guide you as you make your financial projections. Examine where your competitors are selling and advertising. Create a demographic profile of your best target customer using age, race, ethnicity, gender, marital or parental status and other characteristics.

Talk to the vendors and suppliers who will sell you materials and equipment, and the retailers or other distribution providers who will help sell your product. Explain your business concept to them and get advice regarding what they’ve seen in the marketplace you need to address.

Find out what legal steps you need to take, such as getting a local business permit, obtaining a state license, passing health department requirements, incorporating, getting a sales tax license or buying liability insurance.

Write a Business Plan

Visit the website of the U.S. Small Business Administration to learn what goes into a business plan and how to write one. You will need to provide an overview of your product or service, an analysis of your marketplace, a marketing plan and financial figures. Look for a SCORE chapter in your area so you can get free advice from retired executives on the first draft of your plan. You can also ask business friends and associates for advice.

Create a budget, dividing it into sections that list your pre-launch startup expenses and your post-launch operating costs. The budget should include the direct costs to make your product and the overhead costs to run the business. It also should show a break-even point and the profit potential. Create a first-year budget and a three-year budget. It often takes more than one year for a business to become profitable and pay back its initial startup costs.

Create a marketing plan that provides details on the following: your product, pricing strategy, distribution strategy, advertising strategy, public relations, promotions and social media. Don’t work on your marketing communications until you’ve determined your unique selling benefit, target customer, distribution channels and your brand or image in the marketplace.

Secure Capital

Get your personal credit in the best shape possible. Start by visiting AnnualCreditReport.com to get free copies of your three personal credit reports. If you apply for a business loan or credit card, lenders will evaluate your personal credit. Follow the steps required by Experian, Equifax or TransUnion, outlined on their websites, to challenge any incorrect information on your credit reports.

Review the budget you created to determine how much money you need to launch and operate your business until you are profitable. Calculate how much personal money and credit you have available and how much money you’ll need to raise from other sources. Decide how much of your company you are willing to give up in exchange for money from an investor. Contact your local bank to find out how to apply for a small-business loan or credit card.

Make your pitch to partners, friends and family or silent investors if you are seeking that type of money. Use your business plan to demonstrate that you have done your homework, have objective data that shows your concept is likely to work, and can project your income and expenses with hard numbers. Bankers and investors will often want to see your business plan and budget, according to Inc. magazine.

Meet with an attorney before you sign any legally binding documents to ensure you make no mistakes that can damage your company or you personally.





20 Business Ideas with No Startup Cost, start up business ideas.#Start #up

20 Business Ideas with No Startup Cost

Start up business ideas

I want to start my own business but I don’t have money or business ideas. Today we find many young and dynamic people who are aspiring to start small business but face same issue.

Are you one of them? Are you feed up of doing job? Do you want to be boss of your own?

If yes you are at right place, In order to help you we are herewith low-cost, low risk 20 business ideas that require no money or little money.

20 Business Ideas with No Startup Costs:-

(1) Recruitment Firm: Starting recruitment firm is very good business idea and it does not require money. You can start this business from your home you just requires phone connection and few contacts.

(2) Online Website:- Starting small website is small but very good business idea This business contains huge potential. Today you can see many websites earning in lakhs and Crore.

(3) Freelancing:- You can start your own freelancer business anytime, this business does not require any money. You need to just post your expertise on open forum or freelancing website. Make sure to post all information like past experience, project to increase your prospective.

(4) Photographer:- If you are very good at clicking photos. You can turn your hobby in to business. You just need very good camera to start this business. You can earn money by providing professional photography services.

(5) Personal Tutor or Trainer: If you possess good skill in teaching, providing education or personal coaching is very good business idea. In this business you don’t require any money for investment and you will not face any recession in this business, because education is prime need today.

(6) Interior Designer:- Providing interior design services is good idea. Well this business requires special skill and creativity to be successful.

(7) Match Making or Wedding planner:- Mostly people hire match maker or wedding planner in marriages, so starting Match making or wedding planning business is wonderful idea. This business require small amount of investment.

(8) Real Estate Brokerage or Consultancy:- You can start your own real estate brokerage or consultancy business without money. What you need is few contacts with prospective buyers and sellers. If not, check online and print media for properties that are to be leased or to be sold also take help of classified website or local newspaper make database and start contacting.

(9) Insurance consultant or Agent:- Today many people seek advice for insurance. If you are planning to start part-time business, than working as insurance advisor or consultant is best idea to start with.

(10) Consulting business:- If you are expert in certain filed like personal finance, branding, management, marketing or advertising you can start your own consultancy firm.

(11) Content writing:- Creation of content is art and if you are master in it you can start your own content writing business.

(12) Security agency or detective agency:- Security and safety are major concern today, and people are ready to spend money for that. To start security agency for providing manpower or to start detective agency is another good business idea.

(13) Dance, Music or Drawing school:- If you are good at dance, music or drawing you can start your own dance, music or drawing class. If you are seeking some practice, initially you can join some course to upgrade your skills.

(14) Career counseling:- Millions of youngsters and their parents are confused about various career options. You can research about various career options and offer career counseling to them. Just share what you know do not promise the world to them.

(15) Fitness or Yoga Teacher:- If you are professionally trained you can act as fitness or yoga teacher.

(16) Baby Sitting and Cooking service:- If you are woman and want to start small business than you can opt for babysitting service or cooking service. This is hit idea in metro city as we find a lot of working woman in city and they often seek this type of services.

(17) Chocolate maker:- This is another idea for woman, as we know chocolate is loved all over world and if you learn to make it in different shape you have very good business on your hands.

(18) Tiffin Service:- If you are very good cook and love to serve tasty food than starting tiffin service is good idea.

(19) Event Manager:- You can act as event manager, if you are good coordinator and can manage multiple task at same time. Today many corporate and SME opt for Event manager for their programs.

(20) IT Support services:- Today IT is booming field and if you are expert in IT you can start your own business of providing IT support and services.

Readers let’s keep the list growing below. Leave a comment, with a good business idea that you’ve been thinking to start without money.





The Telegraph Festival of Business, start up business.#Start #up #business

Festival of Business

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The Telegraph Festival of Business 2017

The seventh Festival of Business will take place in London on Tuesday 7 November, 2017. This one day conference, regularly attracting an audience of 600 senior executives from UK businesses, will bring together some of the best-known names in British business, along with leading politicians and thought leaders, in a bid to ensure the continued growth of Britain’s small businesses. A combination of keynote addresses, live interviews, case studies, expert panels, quick-fire talks, and masterclasses will ensure attendees leave the conference having found inspiration, heard pioneering examples of business development and cemented valuable relationships with their peers.

Agenda

Registration and Breakfast

Welcome Address from the Chairman

Jeremy Warner, Associate Editor, The Telegraph

Lady Michelle Mone, Baroness of Mayfair OBE

Panel Session: Talent: attracting, recruiting and retaining your most valuable asset

Understand how important your company’s values are for recruitment and learn how to encourage millennials through to Gen X to join and then get them to stay. Gain insights into competing with larger companies when it comes to salary, culture and apprenticeships and delve further into the complexities of employment regulation.

Craig Donaldson, Chief Executive Officer, Metro Bank

Karen Blackett, OBE Chairwoman, MediaCom UK

Kiera Lawlor, Head of Happiness, Social Chain

Kirstin Furber, People Director, BBC Worldwide

Moderator: Rebecca Burn-Callander, Contributor, The Telegraph

Panel Session: Leading your business to success

Hear first hand on how to lead through change and how to successfully delegate. Gain insights into day-to-day management tips and understand the key lessons learnt by overcoming failure.

James Daunt, Chief Executive Officer, Waterstones

Chris Morling, Founder and Managing Director, money.co.uk

Helena Morrissey, Head of Personal Investing, Legal General Investment Management

Moderator: Liam Halligan, Economics Commentator, The Telegraph

Networking and Refreshment Break

Quick-fire Talk: Cyber security – how to prevent the worst from happening

Senior Representative, National Cyber Security Centre (NCSC)

Q A: Late Payments: can common ground be found?

A discussion that speaks to both sides, is honest about what the issues are at both ends and is constructive in terms of solutions.

Richard Gilkes, Managing Director, Stort Chemical

Philip King, Chief Executive, Chartered Institute of Credit Management

Moderator: Liam Halligan, Economics Commentator, The Telegraph

The importance of growth and international trade for SMEs

The Rt Hon Dr. Liam Fox MP, Secretary of State for International Trade

Plotting the future of tech innovation in your business

The new tech landscape; identify fads vs genuinely useful future tech and investing wisely to make the best tech choices. Gain insights into the importance of company-wide adoption and understanding and recruiting the relevant talent to deal with changing tech and transformation.

Chief Digital Officer

Digital Marketing Lead, UK

Pfizer Innovative Health

Moderator: Robert Bridge

Chief Customer Officer

Scaling Up Your Business Operations

Gain insights and advice on whether it’s best to scale through partnerships or organically. Understand how to ensure optimal staffing when growing and how to know when to step back.

Head of Enterprise

Business Banking NatWest/RBS

Founder and Chief Executive Officer

Chief Executive and Co-founder

Moderator: Matt Caines

Editor, Telegraph Connect

Supporting UK business to export and grow

Which will be the new frontiers? Identifying the changes to consider following Brexit and understand cross cultural business differences. Examine the steps to take when starting to export.

Emma Jones, Founder, Enterprise Nation

Joshua Stevens, Chief Executive Officer, One Retail Group

Dr Adam Marshall, Director General, British Chambers of Commerce

Moderator: Rebecca Burn-Callander, Contributor, The Telegraph

Securing your business against cyber threats

Cyber security; an issue not to be taken lightly and potentially one of the the biggest threats facing SMEs today. Understand how to achieve a cyber security 101 strategy and the preventative measures you can take and what to do when disaster strikes.

Sam Nixon, Product Owner, Decoded

Phil Lander, Director of Mobile and IT, B2B, Samsung Europe

Rowan Davies, Head of Policy and Campaigns, Mumsnet

Moderator: Stephan Freeman, Chief Information Security Officer, The Telegraph





Start up Now: 7 steps to set-up a business today, start up

How to Set-up a Business Today: 7 Simple Steps

Start up business grants

For most UK-based start-ups setting up a business is quick, cheap and easy. In fact it s just about possible to set up a business in a day! If you know what line of business you want to start, you ve been thinking about it for ages, you ve read the books, done the courses then maybe now is the time to do it? This article is about the practicalities of how to set up a business. Follow those 7 simple steps and you could be up and running in no time:

Step 1. Let HMRC know you’re becoming self-employed

Get the right starter pack for you. You can do this all online, or phone, and it will get you started as a sole-trader (for other legal structures see part two below). We’d also recommend completing HMRC s free online training which will give you straightforward practical advice on record-keeping, filling in and filing your tax return and what to do if you take someone on.

Step 2. Sort out insurance cover

The AXA business insurance wizard is a good start. It will tell you which insurances you need and which you should consider. When you re sure about the insurances you need, shop around for the best deal. Specialist brokers can be great for niche businesses and Trade Associations often arrange big discounts for their members.

Step 3. Choose a business name

Search Google and Companies House to see if the name you want is available. If you can t decide, go with your own name for now eg. Jane Blogs Cakes but don t invest in printing and brand materials until you re sure. Buy the website domain name as soon as you re fixed.

Step 4. Set-up a business bank account

You need a business bank account if you set up a company, as it is a separate legal entity to you. It s not strictly required if you are a sole trader (though it s usually recommended) – but you must keep very clear accounts.

Step 5. Get compliant

Make sure that you satisfy all regulatory issues eg. health safety, licensing, data protection. Gov.uk has some great tools to take you through this. This only takes a few minutes and is straightforward for most start-ups.

Step 6. Start accounting for everything

Appoint an accountant or set-up your own simple book-keeping system. As a minimum keep records of all sales and costs.

Step 7. Sort out your work space

Your Local Authority/ Council should be able to provide information about business premises and rates in your area. If working from home, make sure you understand:

  • how to include a percentage of household bills as business costs;
  • possible Capital Gains tax implications if you are using one particular room/area in the house for business (best avoided by using parts of rooms);
  • planning permission – if you expect regular business visitors or to employ someone who’ll be working from your home, ask your local authority planning department for advice.;
  • if you rent, check your lease to see that home-working is allowed.

Maybe a little bit of a push, but you could certainly do most and maybe even all of that, in one day.

Part Two Starting with firm foundations

So getting started isn t all that difficult and needn t take long at all. But, of course, you are much more likely to be successful if you start with firm foundations:

Step 8. Decide on the best legal structure for your business

For most this is a choice between being a sole trader and a limited company. However if you are setting up a social enterprise there s more to consider.

Step 9. Write a business plan

This should include a marketing and sales strategy and financials. It s vital if you need to raise finance. It’s important regardless and should be a living document, regularly reviewed and updated. Here is a good Business Plan template to download and a great guide to putting your business plan together. If the thought of putting together a business plan makes your skin creep, then check out The Right-Brain Business Plan: A Creative, Visual Map for Success

Step 10. Manage your cash flow

As part of the business plan, start a Cash flow forecast and update it with actual achievements very regularly. A simple spreadsheet is usually adequate. Even if you need a book-keeper to do this, do make sure that you personally understand it and review it very regularly.

Step 11. Keep costs as low as possible

Until your business model is established and you are making good sales keep your spending as tight as you possibly can. There s a lot you can do with very little money.

Step 12. Get your business kit in order

Beg, borrow and shop around for IT equipment, furniture and transport.

Step 13. Organise communications

Make sure customers can find you by phone, email and on relevant social networks.

Step 14. Get your business image in order

Develop a brand identity, set-up a website and order business cards and stationery.

Step 15. Get your support in order

Assess your own skills and identify how you’ll fill the gaps. Don’t employ others until you really must. Lots of small businesses start by sub-contracting or collaborating with other freelancers or small businesses.

Most importantly make sure you have someone you can talk to regularly about your business. There will be high days and also days when things go wrong and your motivation slumps. So find a good mentor, a business adviser, or others in the same position as you, who you can share those successes and challenges with.

Photo: CC jakeandlindsey on Flickr

The Women s Business Finance Guide Free eBook

Start up business grants

  • A plain-English overview of all the main types of business finance, including loans, grants, equity, bootstrapping, crowdfunding etc.
  • Pros and cons of each type of funding, women’s angles and routes, links and advice.
  • Exercises to help you assess your financial psychology.

This 21 page eBook is completely free when you sign-up for our free monthly ezine. You can unsubscribe at any time and your details will never be shared with anyone else.

Start up business grants

Erika Watson

Start up business grants





Business News, The Chronicle Herald, business start up.#Business #start #up

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COMMENTARY: Save protected areas from mining

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Lunenburg native wins Startup Canada’s Young Entrepreneur Award

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Blueberry growers face price crisis

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How Canada turned to Mexico to fend off TPP pressure from Japan, Australia

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VIDEO: Canada’s decision to decline TPP agreement shouldn’t have been surprise: Trudeau

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Asia-Pacific forum sticks to free-trade gospel despite Trump

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US cities, states defy Trump, still back Paris climate deal

Newcap Radio buys two New Glasgow stations

BUSINESS BOOKSHELF: The Power of Trust

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Weinstein’s Impact: List of men accused of sexual misconduct

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Crocs, Dawgs decade-long legal battle over clogs moves to Canadian courts

Most actively traded companies on the TSX

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Sherritt to transfer part ownership of Madagascar mine to settled debt woes

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Cominar looking for Sears replacements after toiling to fill Target locations

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Ottawa’s plan for excise tax on medical marijuana draws ire of patients, producers

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Trudeau embrace of TPP could hurt tough NAFTA talks with Trump: experts

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Alberta puts up $40M to help workers transition during coal-power phase-out

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

Join the leading accelerator in Latin America

Startups

Portfolio’s Valuation

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Up to CL$60 millions (about US 90K) and perks from USD$100K

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Working Visa & Soft Landing

1 year working visa and soft landing process to start your business in Chile

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Community and Networks

Access to one of the biggest and most diverse startup communities in the world

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Training, mentors and investors

Accelerate your business with the help of our partners.

We have great perks for you

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Work everyday with people from all over the world

What people say about us

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

Ministro de Economía Luis Felipe Césepedes, Chile

Business start up

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





Business News, The Kansas City Star, business start up.#Business #start #up

Business News | The Kansas City Star

Business

Business start up

Business

Kansas City s Harley-Davidson plant makes newest model to hit the market

Assembly of the Harley-Davidson Sport Glide motorcycle began this summer at the company’s assembly plant east of Kansas City International Airport.

Business start up

Kale smoothies, avocado toast among the offerings at this new Troost restaurant

New Overland Park restaurant serves Indian barbecue kebabs (and sides)

Updates: Veterans Day free meals, deals discounts in the Kansas City area

It s like darts, but with axes: Ax throwing club hits West Bottoms

Thrillist picks Plaza area steakhouse as one of the 31 best in the nation

Business start up

TV News & Reviews

KCTV and KSMO replace general manager with former business manager

Meredith Corp., which owns the two stations, did not say why its own vice president of finance has succeeded Kansas City general manager Mike Cukyne.

Business start up

Health Care

Kansas City area medical practice falls into bankruptcy

Kansas City Internal Medicine filed for bankruptcy on Wednesday. Some of its doctors are joining the HCA Midwest Physicians network.

Business start up

Government & Politics

How about another election? KC council plans to ask for key vote in April

The City Council set in motion plans for an April election to extend the one-cent sales tax for capital improvements. The city collects about $70 million a year from the tax, first approved by voters in 2007 and which is up for renewal next year.

Business start up

Cityscape

Updates: Veterans Day free meals, deals discounts in the Kansas City area

Discounts for veterans and active duty military run through Nov. 13. They include free or discounted meals, free haircuts and discounts on merchandise.

Business start up

Government & Politics

Poll showed new KCI had big lead but supporters kept it under wraps

As Election Day loomed, “cautiously optimistic” was the mantra chanted by advocates for a transformed Kansas City International Airport. They expected a win, but said it would be close.

Business start up

Government & Politics

With KCI votes counted, when will we see the wrecking ball?

Kansas City voters strongly approved a new terminal at KCI, but don’t expect to see construction at the airport just yet.

Business start up

Cityscape

It s like darts, but with axes: Ax throwing club hits West Bottoms

Blade & Timber is now open at 1101 Mulberry St. in the West Bottoms. Players enter a lane to throw an ax at a target, much like in darts.

Business start up

Government & Politics

KC voters give overwhelming approval to KCI single terminal

Everywhere in the Kansas City, voters handed City Hall huge support for a new terminal at KCI. It had been a difficult climb from a period of opposition and distrust to the idea, but in the end, Kansas Citians wanted to see the three-terminal design replaced with a modern structure.

Business start up

Cityscape

Kale smoothies, avocado toast among the offerings at this new Troost restaurant

Ruby Jean’s Juicery plans a Nov. 11 opening at 3000 Troost. A new convenience store gas station plans to open later this year at 5901 Troost.

National & International

Hawaii judge dismisses lawsuit against seed company, board

A judge in Hawaii dismissed a lawsuit that sought an environmental review of the actions by a seed company operating on the island of Kauai.

Business start up

National & International

The Latest: Trump back on defensive over Russia meddling

President Donald Trump is back on the defensive over Russian election meddling and accusing Democrats of trying to sabotage U.S.-Russia relations.

National & International

Lawmakers seek review of Eversource’s response to wind storm

Two Connecticut senators want General Assembly to hold public forum on Eversource Energy’s response to October wind storm.

Business start up

National & International

Trump calls Putin sincere, ex-US intelligence heads ‘hacks’

President Donald Trump is back on the defensive over Russian election meddling, saying he considers President Vladimir Putin’s denials sincere, dismissing former U.S. intelligence officials as “hacks” and accusing Democrats of trying to sabotage relations.

National & International

Report: Inspection found 13 defects on CSX track last year

A federal inspection in June of last year reportedly found 13 defects on CSX track in Bergen County, a route that has become a corridor for shipping crude oil and ethanol to refineries.

Business start up

Entertainment

George Takei, Richard Dreyfuss respond in harassment scandal

George Takei, Richard Dreyfuss latest celebrities swept up in Hollywood sexual harassment, assault scandal.

National & International

US Senate passes Veteran’s Administration bill by Oklahomans

A bill by Republican Sens. James Lankford and Jim Inhofe intended to address the care of military veterans in Veteran’s Administration hospitals has passed the U.S. Senate.

Technology

The Latest: Outside firm to look into harassment allegations

Minnesota’s House speaker says an outside firm will investigate allegations of sexual harassment by a lawmaker.

National & International

Southern California plant flourishing under bomber program

Southern California aerospace flourishing thanks to bomber boom.

Business start up

National & International

Next election up: A mayor race in New Mexico’s biggest city

Voters in New Mexico’s largest city are preparing to choose its next mayor after the Republican incumbent opted not to seek re-election.





Small Business CRM, Sales & Marketing Software, Infusionsoft, small business start up.#Small

One place for everything.

Happier customers everywhere.

Our powerful sales marketing software integrates with thousands of apps to get you more organized, deliver personalized service and close more sales.

Small business start up

Tie it all together

Too many tools can create chaos. Tap the full power of Infusionsoft by using APIs to connect all your technology to one impressive platform. A timesaver, for sure.

Small business start up

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“Infusionsoft has been able to cut the time we spend with data entry and data mining almost to a fraction of what it was with other CRM platforms. Now, my staff team can actually get back to what they do best—providing our customers with ultimate technology in the fitness industry. ”

All your contacts, all in one place

Organize customer relationships like a boss. Our advanced tracking software collects detailed customer data and allows you to follow up with a personalized touch.

Organize customer relationships like a boss. Collect detailed customer data and follow up with a personalized touch.

Small business start up

Maximize engagement. Minimize workload.

Automating lead capture and follow-up triggers timely personalized communications based on email sends, opens, clicks, etc. To boot, our software lets you get all analytical with sales and marketing reports that tell you exactly what’s working, what’s not, and your return on investment.

Automate lead capture and follow-up with personalized communications and custom landing pages. And analytics tell you what’s working, what’s not, and your ROI.

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“Infusionsoft has allowed our business to truly take care of our customers in ways that we never could prior to Infusionsoft.”





Small Business Loans, Minority Start Up Business Loan for Women with Bad

Small Business Loans

Are you tired of shopping around for the lowest commercial loan rate in the market or simply getting a quick approval for a small business loan to help jumpstart your business?

We are a leading financial service company offering our clients a wide array of business financing solutions tailored to meet every specific business needs. Our financial products include but not limited to commercial real estate loans, small business loans, cash advance, and a newly developed business loan express program that can finance your business within a 72-hour funding time.

We have a high approval rate for borrowers with various circumstances.

Whether you’re requiring specific incentive program such as a small business loan for minority or small business loan for women, we will find the best business loan program for you. Our wide network of direct lending relationship provides an opportunity for us to place you in the best loan program that fit your business needs.

Start Up Business Loans(SBA Loans)

SBA Loans are fully amortized for the length of the term ranging from 7 to 25 years depending on the use of the loan. No balloon payments at the end of the term. And up to 90% financing meaning only a 10% down payment is required by the borrower. SBA Loans are guaranteed by the government therefore providing the market with extremely competitive rates for small business loans up to $5,000,000. These small business loans can be used for commercial real estate purchases, working capital, as well as other uses sanctioned by the government.

Veteran Business Loan Minority Business Loan

With over a hundred direct lending relationships available, we can offer the best incentive programs for our borrowers. We have a high approval rate for borrowers because we are not limited to a few programs available from a specific bank or lender. We also are able to provide incentive small business loans for veteran, women and/or minorities. These incentive programs for women and minorities may include reduced rates, quicker approval and funding, as well as many other benefits for veteran business loans.

Business Credit Card

With the highest approval rate among all types of financing, business credit cards are the most recommended form of funding by MyOwnBusinessLoan.com. A revolving line of credit can be used on inventory and normal office expenses. Once inventory is sold and profit is made, the line of credit can be paid off and used again to purchase additional inventory to be sold. A business credit card makes it easy for a start up business owner to track expenses through the credit cards monthly statement and report.

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Business Support in the East Midlands with NBV, start up business loans.#Start

Business Support When You Need It

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Start Up Support

Got a great business idea? NBV are here to help! Access FREE workshops to get you up and running through the Starting In Business Programme.

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NBV Property

NBV can provide you with serviced office space, virtual office tenancy, meeting space, media studio and more! Take a closer look at how NBV can help your new or growing business.

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Business Funding

In the past three years, NBV have directly supported clients to access more than £2m in grant funding and around £500,000 in loans. Find out how NBV can help your business access the finance it needs.

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Training Events

Professional Training Courses, Events, and Opportunities

Here you will find all the NBV and partner Training Courses events and opportunities across the East Midlands. If you are holding an event you think we should know about, please get in touch via our contact page.

Download Your Guide to NBV’s Business Services

Start up business loans

We ve helped an average of 7 businesses to start up each week for the last 3 years!

More than this, we ve been helping small businesses with support and funding in the East Midlands since 1982

Grants Awarded

£2,330,435

Loans Awarded

£695,366

Businesses Started

What Our Customers Are Saying

Don t just take it from us, let our customers do the talking!

The NBV Start Grow scheme has highlighted a major financial flaw in my business and I’m relieved this was noticed at the beginning of my business journey

Vegan Gluten Free Desserts

I found my NBV adviser’s knowledge and support to be priceless and would recommend the Start and Grow programme to anyone looking to start up their own business

Taylor Made Plumbing

NBV gave me honest impartial guidance to enable me to attain and continue to achieve a successful business, you cannot put a value on that.

Edward and Vintage

NBV News and Articles

Keep up to date with business news, articles and professional tips via our news blog. See more here

NBV Client Aimee Johnstone nominated for Sole Trader of the Year Award

NBV are delighted to congratulate client Aimee Johnstone who has been shortlisted for “Sole Trader of the Year” at Nottingham Post’s Women in Business Awards 2017. Aimee was thrilled when she found out, telling us “The chance to be a finalist in the Nottingham Post.

Derby’s Market Hall announced as the new venue for Small Business Saturday UK

Derby’s historic Market Hall, in conjunction with Derby City Council and Essential Print Services, will be hosting ‘Derby’s Festival of Small Businesses’ to celebrate the fifth year of Small Business Saturday UK. The Market Hall event will offer two free business.





Lessons Learned, start up business.#Start #up #business

Lessons Learned

Start up business

Wednesday, November 8, 2017

“The Startup Way” is Headed to London

Since The Startup Way came out on October 17th, I ve had a great time traveling with the book, speaking to audiences, and meeting amazing people creating change in all types of organizations. From New York, Philadelphia, and Boston to Los Angeles and San Francisco, entrepreneurs came out to share their enthusiasm — you really are everywhere. Some great new reviews and interviews from smart, generous readers since my last post:

In addition to all the great press, I was honored to see the book make the Wall Street Journal bestseller list in its first week on shelves.

Next stop on the book tour: London. My UK publisher has put together a packed schedule and I can t wait to talk about The Startup Way across the pond. You can learn more about each event and access tickets at the links below:

Nov 13 | Tech City Nations | 6:00pm | Cass Business School

Back in the US, the first printing of the hardcover edition is selling fast, but if you buy one now you can still get all the bonus content we ve created, accessible only with a unique code printed inside the first edition US print run.

We ll be adding more content over time as well, so be sure to pick up your hardcover copy while supplies last. Don t forget to tweet a photo of your book to see it on thestartupway.com

Start up business

Tuesday, October 24, 2017

What’s Next for “The Startup Way”

10/25 | Los Angeles, CA | 7:45am | Cross Campus Downtown LA

In conversation with Todd Connor, Founder and CEO, Bunker Labs

In conversation with Todd Park, former US CTO

Start up business

Monday, October 16, 2017

Publication Day for “The Startup Way”

Start up business

Today, my new book, The Startup Way, finally hits bookshelves! It’s a huge day for any author, but I also hope it can be a huge day for the future and growth of the startup movement and for the future of our country.

Start up business

Insights on how continuous innovation leads to continuous transformation in @ericries new book The #StartupWay. http://bit.ly/2y3lIeY

The #LeanStartup has grown up to become The #StartupWay, w/innovation framework for orgs of every size. Out now! http://bit.ly/2y3lIeY

Entrepreneurial mgmt is difference btwn modern old fashioned co s. @ericries new book #StartupWay shows why. http://bit.ly/2y3lIeY

Wednesday, October 11, 2017

We re Programming Around Your Needs: Highlights of Lean Startup Week 2017

For eight years, our flagship conference has focused on sharing stories and lessons of putting Lean Startup s entrepreneurial methodology into practice. We ve hosted talks, workshops, and interactive sessions on the challenges and successes of modern management techniques from a wide variety of business leaders around the world. Lean Startup Week (Oct. 30 – Nov. 5 in San Francisco) allows you to experience seven days of interactive innovation training from our experts and true Lean Startup practitioners in a city that s known for being the hotbed of high-growth startups and iconic tech companies (not to mention a great place to eat, drink, sightsee, and shop while you re talking shop).

This year, we re really honing in on the feedback from our past conferences, as well as our smaller, more focused conferences in New York and London this year. What we heard was that you want more opportunities to have your specific challenges answered so to that end, we ve added new sessions where you can ask our experts your questions directly, including Roundtable Discussions and Live Office Hours with Eric for all attendees, along with our regularly popular sessions such as Speed Mentoring , Networking Dinners , and our Women s Breakfast . We re also working very closely with all of our speakers to ensure that the expert knowledge they impart is not only in line with Eric s new book, The Startup Way , but focuses on actionable takeaways.

Here are some of the specific things we want to help you tackle:

  • Connecting with like-minded entrepreneurs and experts who share your challenges and concerns
  • Turning an old school-minded organization on to modern entrepreneurial management techniques
  • Starting and scaling an innovation practice in your organization
  • Connecting Lean methodology to hiring, team-creation, organizing boards, leading engineering teams, and more
  • Ensuring your organization remains committed to innovation practices as you grow

We ll help you with these solutions by approaching them from a variety of formats:

Sounds great! So how to attend?

If you haven t been to one of our Lean Startup Conferences, this is the year you won t want to miss. So get ready to take selfies with the Bay Bridge, snag a burrito in the Mission district, and step foot into some of the hottest tech companies up and down Market St. We have passes for all budgets:

Gold Pass – For those who are serious about diving deep into the Lean Startup methodology and getting hands-on experience, join us for the full seven days of innovation training at Lean Startup Week (Oct. 30 – Nov. 5). This is perfect for teams looking for their best off-site yet! Register here.

Silver Pass – For those who are tight on time but want to get highlights of what we offer, get access to the two-day main conference on Nov. 2 3 and a seat at our Ignite Opening Night on Nov. 1.

Bootstrapper Pass – Offers the same benefits as the Silver Pass, but brings the cost of the conference down to $350 for people who otherwise wouldn t be able to attend (think: fledgling solopreneurs, employees at very young startups, and small non-profits). Apply for a Bootstrapper Pass here.

Livestream – Because we re all about community building, we invite you to host or join one of our free livestream meetups. Get details here. You get all the mainstage talks and the most popular breakouts, along with access to live Q A and moderated chat.

Volunteer – If you re a student, you can apply to volunteer here . Pitch in for a shift, and we ll give you a Silver Pass.

We hope you ll join us in San Francisco at the end of this month!





How to Finance Your Start-up Business, Small Business BC, start up business

Small Business BC

How to Finance Your Start-up Business

If you’re planning on starting a business, chances are you’ll need some form of capital, which simply refers to the money that finances your business.

One reason for the failure of many small businesses is that they undercapitalize their business. Therefore, it is important that you know how much money you will actually need to start and to run your business until you reach your break-even point—the point when your sales revenue equals your total expenses.

Ask yourself:

  • How much money is required to start this business?
  • How much of your own money do you have for this business?
  • Do you already own any of the assets needed to start this business?
  • Do you have family, friends, acquaintances, or others who are willing and able to invest in this business?
  • Do you have a strong personal credit rating or lines of credit available?

Equity Investment

Equity means ownership. With equity investment, an investor makes money available for use in exchange for an ownership share in the business. If you use equity investment, be sure to consider how much ownership you’re willing to give up, and at what price. Once you sell 51 percent of your shares, you lose control of your company.

Equity investment includes any money from individuals, including yourself, or other companies in your business. This money may be from personal savings, inheritance, personal loans, friends or relatives, business partners, or stockholders. These funds are not secured on any of your business assets.

But, before going down this road, it is important to know the BC laws that apply to any company or other entity that raises money from investors. To find our more read our article: Seeking Equity Investment? Know the Rules

Personal Savings: The Most Common Form of Equity Investment

You’ll likely get most of your start-up funding from your personal savings, inheritances, friends, or family. In fact, according to Statistics Canada’s Survey of Financing of Small and Medium Enterprises 2007, 76% of small businesses in British Columbia financed their business with personal savings.

Aim to fund 25% to 50% of your business from your own pocket. This shows prospective lenders and investors that you are personally assuming some risk, and are committed to your business success. It’s also a requirement for many small business loans, which are usually secured (i.e. backed by assets).

Throughout the course of your business, try to keep a personal investment of at least 25% in your business to increase your equity position and leverage. The more equity your business has, the more attractive it makes you to banks that can loan you up to three times your equity.

Debt Financing

1. Government Funding

Typically, the most sought-after type of financing is government grants because it’s free money that you don t have to pay back. Unfortunately, a grant might not be an option for your business because not only are there very few grants available, most are geared towards specific industries or groups of people such as youth, women, or aboriginal owners.

The majority of government funding programs are typically loans, for which you ll be required to repay the principal amount plus interest.

In 2007, only 2% of businesses obtained some sort of government funding or assistance. You can find information about government funding programs for free:

  • Search the Canada Business Grants and Finances section, which lists available government programs across Canada.
  • Contact your industry association to find out if they know of any grants you might be eligible to receive.

Since the application process varies from program to program, you should contact the coordinator of the program that you’re interested in to find out what the specific application requirements and process are.

2. Commercial Loans

Commercial or personal loans from financial institutions account for the second most common form of financing at 44%.

  • Long-term loans. Use long-term loans for larger expenses or for fixed assets that you expect to use for more than one year, such as property, buildings, vehicles, machinery, and equipment. These loans are generally secured by new assets, other unencumbered physical business assets, and/or additional stakeholder funds or personal guarantees.
  • Short-term loans. Short-term loans are usually for a one-year term or less, and can include revolving lines of credit or credit cards. These are generally used to finance day-to-day expenses such as inventory, payroll, and unexpected or emergency items, and can be subject to a higher base interest rate.

Getting Your Loan Approved: What do Potential Lenders Look For?

Many lenders will look for the four “C’s of Lending” when evaluating a loan application:

  1. Cash flow. Your ability to repay the cash you are borrowing. This is measured using the cash flow forecast that you created for your business plan.
  2. Collateral. The value of assets that you are willing to pledge for assurance that you will repay your loan. A dollar amount will be placed on these assets and that will be compared to the amount of the loan you requested.
  3. Commitment. The amount of money that you re committing to your business. You can’t expect to obtain a loan without contributing a fair share yourself.
  4. Character. Your personal credit score and history with the financial institution. Your credit rating or score is calculated from your history of borrowing and repaying bank loans, credit cards, and personal lines of credit. Without a good credit rating, your loan prospects decrease significantly.

A lender might determine how much to lend you by evaluating your cash flow, collateral, and commitment. They will then subtract your existing debt to arrive at a final amount. Note that lenders look at the limit on your credit cards, not the amount you re currently using.

Typically, start-ups are not rich in assets so you may be required to secure your business loans with personal collateral such as your house or vehicle(s).

The difference between a private lender and a government program is the relative importance of these four C’s. A bank might place more importance on “collateral” and “commitment”, whereas a government program can often decrease the need for these by providing a government guarantee to the lender.

Make a Good Impression With Your Lenders

You can increase your chances of securing a loan by:

  • Having strong management and staff
  • Showing steady business growth potential
  • Showing reliable projected cash flow
  • Offering collateral
  • Having a strong personal credit rating
  • Always making your loan and interest payments on time, and never missing a payment




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





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COMMENTARY: Save protected areas from mining

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Lunenburg native wins Startup Canada’s Young Entrepreneur Award

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How Canada turned to Mexico to fend off TPP pressure from Japan, Australia

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Asia-Pacific forum sticks to free-trade gospel despite Trump

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BUSINESS BOOKSHELF: The Power of Trust

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Crocs, Dawgs decade-long legal battle over clogs moves to Canadian courts

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A Start-Up Slump Is a Drag on the Economy, small business start

The New York Times

Small business start up

Graphic | A Long Start-Up Slump

September 20, 2017

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Small business start up

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

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

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

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

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

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

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

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

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

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

Follow Ben Casselman on Twitter: @bencasselman





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

Join the leading accelerator in Latin America

Startups

Portfolio’s Valuation

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Up to CL$60 millions (about US 90K) and perks from USD$100K

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Working Visa & Soft Landing

1 year working visa and soft landing process to start your business in Chile

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Access to one of the biggest and most diverse startup communities in the world

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Training, mentors and investors

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

Ministro de Economía Luis Felipe Césepedes, Chile

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





Small Business Grants – How and Where To Apply, start up business

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

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

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

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

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

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

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

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

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

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

#1 – Caleb Brown Community Business Grant Program

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

#2 – DOT Disadvantaged Business Enterprise Program

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

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

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

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

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

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

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

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

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

#8 – Rural Business Enterprise Grants (RBEG) Program

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

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

#10 – Small Business Innovation Research (SBIR) Grants

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

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

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





Canadian Government Grants & Loans – Small Business Financing, start up business

Try the Grant Finder Search Engine

Search through 926 government programs

Many government programs have a limited window for when they accept new applications. Don’t risk losing your chance to receive funding.

Ready to Get Started?

Or fill out the form below to get in touch with one of our Funding Experts.

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The recipients in these stories took the first step and contacted our Centre to learn about their funding options. Although we cannot guarantee you will get funding, the more you know about others experiences the better your chances.

CFSBF has no affiliation with any program, and no claim is made that funding is guaranteed.

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Still not sure where to start? Our in-house group of experts can help. Give us a call or fill out the form below to begin.

For More Info Call 1 866 682 2402

Find out if you may be eligible for funding

Call: 1 866 682 2402

Still not sure where to start? Our in-house group of experts can help. Give us a call or fill out the form below to begin.

Government Money May be Available For Your Business

Search through 926 government programs

You may be eligible for.

Many government programs have a limited window for when they accept new applications. Don’t risk losing your chance to receive funding.

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Accion believes entrepreneurs create vibrant communities. We deliver a level of personalized service you won’t find at any other lender. Capital is just one tool you need to reach your goals, and we partner with you every step of the way.

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Our loan experts work one-on-one with you to tailor solutions to you, your business and your goals.

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Get the support you want

We want to be your most trusted resource. We’ll work with you every step of the way to put your loan to work and get your business on the right track.

Because we believe you deserve an efficient and transparent borrowing experience, we are a signatory of the Small Business Borrowers Bill of Rights.

Business Resources

Getting the capital your business needs is just one piece of the puzzle. Explore our library of tips, articles and videos to help your business grow.

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10 Essential Tips for Growing Your Business

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How to Start a Small Business (with Pictures), start up business loan.#Start

How to Start a Small Business

Starting a small business is without a doubt a large undertaking, but it is fortunately something that can be attained by anybody with a good idea, a strong work ethic, and a good set of resources. Starting a business involves thinking of a business concept, writing a business plan, understanding the financial side, and finally marketing and launching.

Steps Edit

Part One of Six:

Setting Out the Basics Edit

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Part Two of Six:

Writing a Business Plan Edit

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Part Three of Six:

Managing Your Finances Edit

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

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Benefits of The Lean Startup

Be more innovative.

Stop wasting people’s time.

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

Principles of The Lean Startup

Lean Startups can operate with much less waste

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

Lean Startup Case Studies

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

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Wealthfront is democratizing access to outstanding investment managers. Learn More

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

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

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

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

Meet-ups are happening everywhere

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

This book shows you how.

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About the Author

Eric Ries

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





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

Join the leading accelerator in Latin America

Startups

Portfolio’s Valuation

Start up business ideas

Up to CL$60 millions (about US 90K) and perks from USD$100K

Start up business ideas

Working Visa & Soft Landing

1 year working visa and soft landing process to start your business in Chile

Start up business ideas

Community and Networks

Access to one of the biggest and most diverse startup communities in the world

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Training, mentors and investors

Accelerate your business with the help of our partners.

We have great perks for you

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Work everyday with people from all over the world

What people say about us

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

Ministro de Economía Luis Felipe Césepedes, Chile

Start up business ideas

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





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

Join the leading accelerator in Latin America

Startups

Portfolio’s Valuation

Start up business

Up to CL$60 millions (about US 90K) and perks from USD$100K

Start up business

Working Visa & Soft Landing

1 year working visa and soft landing process to start your business in Chile

Start up business

Community and Networks

Access to one of the biggest and most diverse startup communities in the world

Start up business

Training, mentors and investors

Accelerate your business with the help of our partners.

We have great perks for you

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Work everyday with people from all over the world

What people say about us

Start up business

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

Ministro de Economía Luis Felipe Césepedes, Chile

Start up business

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





How to Finance Your Start-up Business, Small Business BC, start up business

Small Business BC

How to Finance Your Start-up Business

If you’re planning on starting a business, chances are you’ll need some form of capital, which simply refers to the money that finances your business.

One reason for the failure of many small businesses is that they undercapitalize their business. Therefore, it is important that you know how much money you will actually need to start and to run your business until you reach your break-even point—the point when your sales revenue equals your total expenses.

Ask yourself:

  • How much money is required to start this business?
  • How much of your own money do you have for this business?
  • Do you already own any of the assets needed to start this business?
  • Do you have family, friends, acquaintances, or others who are willing and able to invest in this business?
  • Do you have a strong personal credit rating or lines of credit available?

Equity Investment

Equity means ownership. With equity investment, an investor makes money available for use in exchange for an ownership share in the business. If you use equity investment, be sure to consider how much ownership you’re willing to give up, and at what price. Once you sell 51 percent of your shares, you lose control of your company.

Equity investment includes any money from individuals, including yourself, or other companies in your business. This money may be from personal savings, inheritance, personal loans, friends or relatives, business partners, or stockholders. These funds are not secured on any of your business assets.

But, before going down this road, it is important to know the BC laws that apply to any company or other entity that raises money from investors. To find our more read our article: Seeking Equity Investment? Know the Rules

Personal Savings: The Most Common Form of Equity Investment

You’ll likely get most of your start-up funding from your personal savings, inheritances, friends, or family. In fact, according to Statistics Canada’s Survey of Financing of Small and Medium Enterprises 2007, 76% of small businesses in British Columbia financed their business with personal savings.

Aim to fund 25% to 50% of your business from your own pocket. This shows prospective lenders and investors that you are personally assuming some risk, and are committed to your business success. It’s also a requirement for many small business loans, which are usually secured (i.e. backed by assets).

Throughout the course of your business, try to keep a personal investment of at least 25% in your business to increase your equity position and leverage. The more equity your business has, the more attractive it makes you to banks that can loan you up to three times your equity.

Debt Financing

1. Government Funding

Typically, the most sought-after type of financing is government grants because it’s free money that you don t have to pay back. Unfortunately, a grant might not be an option for your business because not only are there very few grants available, most are geared towards specific industries or groups of people such as youth, women, or aboriginal owners.

The majority of government funding programs are typically loans, for which you ll be required to repay the principal amount plus interest.

In 2007, only 2% of businesses obtained some sort of government funding or assistance. You can find information about government funding programs for free:

  • Search the Canada Business Grants and Finances section, which lists available government programs across Canada.
  • Contact your industry association to find out if they know of any grants you might be eligible to receive.

Since the application process varies from program to program, you should contact the coordinator of the program that you’re interested in to find out what the specific application requirements and process are.

2. Commercial Loans

Commercial or personal loans from financial institutions account for the second most common form of financing at 44%.

  • Long-term loans. Use long-term loans for larger expenses or for fixed assets that you expect to use for more than one year, such as property, buildings, vehicles, machinery, and equipment. These loans are generally secured by new assets, other unencumbered physical business assets, and/or additional stakeholder funds or personal guarantees.
  • Short-term loans. Short-term loans are usually for a one-year term or less, and can include revolving lines of credit or credit cards. These are generally used to finance day-to-day expenses such as inventory, payroll, and unexpected or emergency items, and can be subject to a higher base interest rate.

Getting Your Loan Approved: What do Potential Lenders Look For?

Many lenders will look for the four “C’s of Lending” when evaluating a loan application:

  1. Cash flow. Your ability to repay the cash you are borrowing. This is measured using the cash flow forecast that you created for your business plan.
  2. Collateral. The value of assets that you are willing to pledge for assurance that you will repay your loan. A dollar amount will be placed on these assets and that will be compared to the amount of the loan you requested.
  3. Commitment. The amount of money that you re committing to your business. You can’t expect to obtain a loan without contributing a fair share yourself.
  4. Character. Your personal credit score and history with the financial institution. Your credit rating or score is calculated from your history of borrowing and repaying bank loans, credit cards, and personal lines of credit. Without a good credit rating, your loan prospects decrease significantly.

A lender might determine how much to lend you by evaluating your cash flow, collateral, and commitment. They will then subtract your existing debt to arrive at a final amount. Note that lenders look at the limit on your credit cards, not the amount you re currently using.

Typically, start-ups are not rich in assets so you may be required to secure your business loans with personal collateral such as your house or vehicle(s).

The difference between a private lender and a government program is the relative importance of these four C’s. A bank might place more importance on “collateral” and “commitment”, whereas a government program can often decrease the need for these by providing a government guarantee to the lender.

Make a Good Impression With Your Lenders

You can increase your chances of securing a loan by:

  • Having strong management and staff
  • Showing steady business growth potential
  • Showing reliable projected cash flow
  • Offering collateral
  • Having a strong personal credit rating
  • Always making your loan and interest payments on time, and never missing a payment




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

Join the leading accelerator in Latin America

Startups

Portfolio’s Valuation

Business start up

Up to CL$60 millions (about US 90K) and perks from USD$100K

Business start up

Working Visa & Soft Landing

1 year working visa and soft landing process to start your business in Chile

Business start up

Community and Networks

Access to one of the biggest and most diverse startup communities in the world

Business start up

Training, mentors and investors

Accelerate your business with the help of our partners.

We have great perks for you

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

Ministro de Economía Luis Felipe Césepedes, Chile

Business start up

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





Business Loans, Cash flow loans – Finance Leasing, Business Banking, Macquarie, start

Grow your business with Macquarie

Start up business loans Start up business loans

Business loans and asset finance solutions

Our business loans and asset finance solutions can be tailor-made for your business. Talk to a relationship manager and find out how to build, grow and do business better.

Explore our latest solutions

We have the tools, expertise and experience to help you. Our relationship managers provide smart solutions for complex business needs.

Working capital loan

We know that in business, success comes from being able to manage your circumstances. Which is why it’s important to take control of your business cash flow.

Whether that’s through a business-specific loan, overdraft or flexible cash flow lending, a Macquarie relationship manager can tailor the right solution for you and your business.

Business growth loan

Growing your business requires planning and smart financial thinking. We have a proven track record in providing specialist solutions for merger and acquisition finance, business growth, succession planning, refinancing and personal wealth creation.

No matter what stage of the business lifecycle you’re at growing, buying or selling, we can provide tailored solutions and support for your business.

Property loan

We offer a range of residential and commercial property solutions. From commercial property finance to business loans secured by property and industry-specific products like strata-improvement loans for owners corporations and bodies corporate.

A relationship manager knows that personal and business goals are interconnected, which is why we give you a solution for your complete portfolio.

Technology, vehicle and equipment finance

For all your asset finance needs, we offer a comprehensive range of technology, vehicle and equipment loan, leasing and rental solutions.

From a single vehicle or piece of equipment, to financing a fleet of cars or even a complete technology overhaul, we’ve got the expertise and experience to help grow your business.

Case study

Start up business loans

The client was successful in setting up his medical practice and was able to provide for his family.

The brief

Macquarie was contacted by a newly registered plastic surgeon who needed financing to help start his medical practice. He also needed a flexible approach to funding so he could support his family.

The Macquarie difference

Macquarie took a number of steps to assess the client’s earnings capacity, including talking to financial planners with medical professional clients. Macquarie also carefully examined the client’s potential future income. With the industry knowledge of the medical profession and the research into the client’s circumstances, Macquarie understood the value of his skills. A funding plan was developed based on his projected cash flows.

The outcome

The main challenge was to identify the client’s capacity to repay the loans. The client already had a medical professional loan from another bank that he took out while completing his training. Because this training had reduced his earnings, his income was substantially lower than he estimated it would be in about three or four months’ time when his medical practice was established. He needed to fund the business start-up costs and provide for family expenses until his medical practice was generating income.

The outcome

Macquarie developed a financial package for the client that included:

  • refinancing the medical loan into a home loan
  • securing borrowings against the home
  • short-term funding to cover his mortgage interest
  • access to a small overdraft facility
  • funding business start-up costs
  • a merchant terminal for processing patient’s payments
  • an office cheque account
  • consolidating various accounts into one bank.

The client also benefited from Macquarie’s relationship manager working closely with the client’s financial adviser to ensure his insurance policies were up-to-date. The client was successful in setting up his medical practice and was able to provide for his family. He is paying down his debts and building equity in his home.





Business Startup Costs to Start up Including Fixed and Variable Costs, start

Startup Costs

Before you start your business there are many costs you need to be aware of and account for in your business plan to make sure you don’t get any nasty surprises later on whether you are starting a home based internet business or a bricks and mortar retail outlet.

Of course you can consult an accountant, but you may not need to. Have a look through this article and write down the cost of everything you think you’ll going to incur into a spreadsheet before you start up your business.

Types of Startup Costs

Different types of businesses will have different costs when they are starting up. We have therefore attempted to think of all the different types of start up expenses you may encounter whether they be running costs of the operation or once off capital costs for purchasing assets.

When preparing your first business plan you’ll probably have to estimate most costs, which is fine, so long as you are estimating based on facts and not on what you believe they should be. As your business grows, you’ll hopefully be able to make cost savings as you can build in economies of scale into your operations.

There are two basic types of cost you’ll incur – fixed costs and variable costs and these are used to estimate and plan your break-even point analysis.

Types of Fixed Costs

Fixed costs are those costs you incur which do not increase (or decrease) from you selling one more unit of your product or service. (The costs directly associated with you doing this are called marginal or variable costs).

We have split the fixed cost of your business startup into the main categories.

  • Professional fees – These may include the cost of hiring an accountant, solicitor, lawyer, or other expert professional to deal with the legal aspects of starting a business such as company formation, copyright protection, drafting partnership agreements or other fees you may need to pay to the government for certificates and inspections for health and safety or food hygiene.
  • Insurance – this can include public liability insurance, car insurance, van insurance, contents and building insurance.
  • Premises costs – included refit of a shop, building and construction cost of premises, rent, rates and connection of utilities including electricity, telephone, gas and water rates.
  • Staffing and employment – Any advertising and recruitment fees for new staff, including training and training courses.
  • Stock – purchase and storage of initial stock and warehousing costs.
  • Sales and marketing – initial launch and promotion of your products and services including e-commerce and website development.
  • Finance – any forms of loans or finance, including interest payments and arrangement fees

Variable Costs

Variable costs or direct costs are those that increase if you sell one more unit of your product or service. Some of the above costs under fixed costs may actually be variable, but more often than not, your variable costs will fall under direct product costs such as:

  • The actual cost of product – this may be added to your stock, but when expensed it’s a variable cost.
  • Shipping of product – the cost of shipping, postage and any shipping insurance.
  • Packaging – the packaging of shipping the product.
  • Remuneration and commissions paid to your sales force.
  • Direct wages paid to workers who get paid by the item produced.

Project Management of your new Start up Business

Start up business loansThink about the time it’s going to take you to develop your ideas into the first day you startup your business.

Whatever you need to undertake will take much longer that you imagine.

For example, if you need premises the time taken to have solicitors to go through the lease agreement to you getting the keys and then having to have the shop re-fitted can take months.

If you have to recruit new staff you don’t want to have them employed by you and not doing anything whilst you are paying the salaries.

So it’s a wise move to produce a project plan of all the items you need to get ready and plot them against a timeline, the cost of each activity and the person responsible for that activity on the overall project. You can then monitor progress against the actual events as you progress.

Perhaps also think about what skills and professional you may need to hire to help you with your small business because you alone will not be able to do everything.

Cost Management

Like most people, you’ll be keen to get your business off to a great start as soon as possible and may tend to rush things to get towards your goals without keeping an eye on the best deals or to ensure that working capital and cash flow are healthy. Here are some tips to keep the cash flowing in the early days:

  • Lease or rent rather than buy – this keeps the initial payments low and like vehicles you can give them back at the end of the lease and not have to worry about depreciation and sometimes maintenance during the contract.
  • Use contract workers – so you don’t need to worry about tax, NI and pensions.
  • Use price comparison websites to check out the best deal for utilities – there are business price comparison sites these days also.
  • Use pay as you go rather than contracts so you’re not tied into a long period you can’t get out of.

Start up Help

Getting start up help is easy as there are so many free resources around. If you are the UK then your first port of call might be your local BusinessLink who may assign you an advisor. These are generally people who have run businesses before, but check out their credentials as many are not. Even if you don’t get an advisor they may have brochures and guides that can help you.

Whatever business you are thinking of starting, the industry will generally have a professional body managing the interests of their members offering help and advice to you. Additionally, read the rest of this website to help with your business start up costs!





Small Business Loans, Minority Start Up Business Loan for Women with Bad

Small Business Loans

Are you tired of shopping around for the lowest commercial loan rate in the market or simply getting a quick approval for a small business loan to help jumpstart your business?

We are a leading financial service company offering our clients a wide array of business financing solutions tailored to meet every specific business needs. Our financial products include but not limited to commercial real estate loans, small business loans, cash advance, and a newly developed business loan express program that can finance your business within a 72-hour funding time.

We have a high approval rate for borrowers with various circumstances.

Whether you’re requiring specific incentive program such as a small business loan for minority or small business loan for women, we will find the best business loan program for you. Our wide network of direct lending relationship provides an opportunity for us to place you in the best loan program that fit your business needs.

Start Up Business Loans(SBA Loans)

SBA Loans are fully amortized for the length of the term ranging from 7 to 25 years depending on the use of the loan. No balloon payments at the end of the term. And up to 90% financing meaning only a 10% down payment is required by the borrower. SBA Loans are guaranteed by the government therefore providing the market with extremely competitive rates for small business loans up to $5,000,000. These small business loans can be used for commercial real estate purchases, working capital, as well as other uses sanctioned by the government.

Veteran Business Loan Minority Business Loan

With over a hundred direct lending relationships available, we can offer the best incentive programs for our borrowers. We have a high approval rate for borrowers because we are not limited to a few programs available from a specific bank or lender. We also are able to provide incentive small business loans for veteran, women and/or minorities. These incentive programs for women and minorities may include reduced rates, quicker approval and funding, as well as many other benefits for veteran business loans.

Business Credit Card

With the highest approval rate among all types of financing, business credit cards are the most recommended form of funding by MyOwnBusinessLoan.com. A revolving line of credit can be used on inventory and normal office expenses. Once inventory is sold and profit is made, the line of credit can be paid off and used again to purchase additional inventory to be sold. A business credit card makes it easy for a start up business owner to track expenses through the credit cards monthly statement and report.

Start up business loan

Start up business loan

Start up business loan





How to Start a Small Business, Bizfluent, start up business loan.#Start #up

How to Start a Small Business

Start up business loan

Successfully starting a small business requires answering as many questions as possible before you open your doors rather than tackling problems after you’ve already launched. Researching the marketplace, writing a business plan and securing adequate capital are the basic steps to take when you start any small business.

Items you will need

  • Business plan
  • Credit reports
  • Permits, licenses, insurance

Research the Marketplace

Determine who your competition is by looking at companies that offer the same product, service or benefit you do. Visit their stores and websites and buy their products, if possible. Talk to potential customers about what they want from a company or product like yours, and what they think of your competitors. Look at the pricing in your marketplace to help guide you as you make your financial projections. Examine where your competitors are selling and advertising. Create a demographic profile of your best target customer using age, race, ethnicity, gender, marital or parental status and other characteristics.

Talk to the vendors and suppliers who will sell you materials and equipment, and the retailers or other distribution providers who will help sell your product. Explain your business concept to them and get advice regarding what they’ve seen in the marketplace you need to address.

Find out what legal steps you need to take, such as getting a local business permit, obtaining a state license, passing health department requirements, incorporating, getting a sales tax license or buying liability insurance.

Write a Business Plan

Visit the website of the U.S. Small Business Administration to learn what goes into a business plan and how to write one. You will need to provide an overview of your product or service, an analysis of your marketplace, a marketing plan and financial figures. Look for a SCORE chapter in your area so you can get free advice from retired executives on the first draft of your plan. You can also ask business friends and associates for advice.

Create a budget, dividing it into sections that list your pre-launch startup expenses and your post-launch operating costs. The budget should include the direct costs to make your product and the overhead costs to run the business. It also should show a break-even point and the profit potential. Create a first-year budget and a three-year budget. It often takes more than one year for a business to become profitable and pay back its initial startup costs.

Create a marketing plan that provides details on the following: your product, pricing strategy, distribution strategy, advertising strategy, public relations, promotions and social media. Don’t work on your marketing communications until you’ve determined your unique selling benefit, target customer, distribution channels and your brand or image in the marketplace.

Secure Capital

Get your personal credit in the best shape possible. Start by visiting AnnualCreditReport.com to get free copies of your three personal credit reports. If you apply for a business loan or credit card, lenders will evaluate your personal credit. Follow the steps required by Experian, Equifax or TransUnion, outlined on their websites, to challenge any incorrect information on your credit reports.

Review the budget you created to determine how much money you need to launch and operate your business until you are profitable. Calculate how much personal money and credit you have available and how much money you’ll need to raise from other sources. Decide how much of your company you are willing to give up in exchange for money from an investor. Contact your local bank to find out how to apply for a small-business loan or credit card.

Make your pitch to partners, friends and family or silent investors if you are seeking that type of money. Use your business plan to demonstrate that you have done your homework, have objective data that shows your concept is likely to work, and can project your income and expenses with hard numbers. Bankers and investors will often want to see your business plan and budget, according to Inc. magazine.

Meet with an attorney before you sign any legally binding documents to ensure you make no mistakes that can damage your company or you personally.





Start Up Business Loans: The 9 Best Options #register #a #business

#start up business loans

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Start Up Business Loans: The 9 Best Options

Thanks for clarifying. With a deal like this, conventional lenders (like Bank of America, etc.) may be your best option. Who is willing to finance the deal and how the financing is ultimately structured will depend on the specifics of the deal. The financial health of the businesses you re looking to acquire as well as your own personal financial health will be critical. Sometimes banks will finance a portion of a deal with an SBA loan (the 7a is capped at $5m) and the rest with a traditional bank loan.

This article is well organized and informative. I will look into one of these options very soon. I am starting a business in a couple of months but I have no money to put into the business. I have a 690 credit score and own a home with hardly any equity. I need money for the equipment, franchise fee, and working capital. I have a business plan done but have not made a move yet. Any guidance?

Thanks reaching out.

In most cases, lenders will require you put up a down payment of 10-20% for a startup business loan. Typically, lenders do not want that down payment to come from additional borrowing (like from a personal loan or credit card cash advance). If you don t have any cash savings, this might mean finding an investor/partner. Or, if you have over $50k in a retirement account, you could use those funds for the business/down payment (without paying early withdrawal taxes and penalties) by setting up a rollover for business startups (ROBS). Read more about those here or speak with a ROBS pro at Guidant .

I hope that is helpful. Check in with us as things progress. We d love to get updates.

I want to start an arts and crafts supply store in my area. There are none in the city that I live in. I am a new entrepreneur and I am still learning the process. I am also a veteran, minority female are there loans available for me?

Thanks for your question. There are certain small business loan programs available to women. minorities. and veterans. Check out those articles for more details.

Keep in mind, as with any loan program, you have to show the lender that you will be able to repay the money you re borrowing (plus interest) in a timely manner. In other words, these are not giveaways. These are primarily normal business loans that come with slightly more flexible qualifications and which have been flagged for certain groups in order to promote certain policy goals.

In most cases you will still need a credit score above 650 (check here for free ) and will need to present a solid business plan with projections (we recommend LivePlan to create a comprehensive business plan plus they come with hundreds of examples/templates which is a big help). Having some collateral and a down payment will also increase your chances of being approved for one of these loans.

Stay in touch and let us know how things go.

Good day! My two biz partners and I are looking to obtain a start up loan and hit the ground running. Credit score is 740 s, approvals right and left, obviously this is great and no problem. Problem we are running into is, we are unestablished which is apparently a major deal breaker. This particular venture previously done with much success by one of the three partners was producing 19k-20k/month and growing. His partner at the time split with nearly ALL the companies revenue (350K!), so my question is, how can we get the loan (50k-100k) to get started? Thanks!

Startups often have a difficult time obtaining traditional bank loans for the exact reason you re describing. If either of you have real estate that can be used as collateral, you may be able to obtain an SBA loan. However, for startups, it can take 2-3 months to get funded with an SBA loan.

If all three of you have credit scores above 700, you may want to consider personal loans with Lending Club to start. If you keep close records of how the proceeds are used, you should be able to refinance the loan with a business loan down the road, when the business has been operating for a year or two.

I have someone interested in investing in my food service business. He will invest $25,000 for start-up costs. What percentage of interest would be normally be paid, after he makes his money back?

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Disclaimer: We spend hours researching and writing our articles and strive to provide accurate, up-to-date content. However, our research is meant to aid your own, and we are not acting as licensed professionals. We recommend that you consult with your own lawyer, accountant, or other licensed professional for relevant business decisions. Click here to see our full disclaimer .





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Same-Day Franchise Financing Up To $250K #government #grants

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Franchise Financing

Looking for an easier way to get financing for your franchise? You ve come to the right place. Balboa Capital is a leading direct lender that specializes in franchise financing. We can structure and deliver a flexible, affordable solution that works within your budget. We make the entire process quick and efficient, and you will work with a single point-of-contact every step of the way. If you are purchasing new furniture, fixtures and equipment (FF E), starting the re-imaging process, or launching a property improvement program (PIP), we can help.

  • Financing Plans Up to $1 Million Per Owner/Operator
  • Franchise Working Capital Loans up to $1 Million
  • Credit Lines up to $500,000
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  • Up to 84-Month Terms for Acquisition Financing and Remodels
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  • Competitive Rates
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  • Possible Tax Deduction Ask Your Accountant




Unsecured Business Loan Up To $250, 000 #online #businesses

#unsecured business loan

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Get an Unsecured Business Loan in Just Days!

If you own a small business, you need access to capital to help your company grow and prosper. A great option for you to consider is an unsecured business loan from Balboa Capital. Unlike a traditional loan from a bank, an unsecured business loan can be approved without collateral or a near-perfect credit score. Plus, the application process requires far less paperwork. Our online loan application takes just minutes to complete, and we will provide you with a decision quickly. That means you won’t have to wait long to find out how much you might qualify for.

  • Easy Application/Quick Credit Decisions
  • Get up to $250,000 with Basic Information
  • Get up to $2 Million with Full Financial Package
  • Absolutely No Hidden Fees
  • Fast Processing
  • Flexibility for More Cash
  • No Restrictions on How You Can Use Your Loan
  • Perfect Credit Isn’t Required




How To Set Up A Business Email Address #business #brochures

#business email address

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Three Ways to Set Up Your Business Email Address

Not only does a business-branded email address show the world you’re credible, it’s an easy way to start building your company’s online presence – an essential component to the growth and success of your business in this Web-reliant world.

Once you register a domain name for your business, there are generally three ways on where to host and use your new branded email address:

1. Email Service Provider, Like Gmail –

When you purchase your domain name, you’ll have the option to create a business email, and then redirect it to an existing email account like Gmail. It’s a smart, immediate way to look professional when you’re just starting out.

Simple to set up, you can manage your personal and professional emails in one central location. Keep in mind that if your email service provider goes down, you won’t be able to retrieve your emails. And customer support is usually not included.

2. Web Host Provider Who Offers Managed Email Services –

The company you bought your domain name from or using to host your website usually offers a business email service for a low-monthly fee. This is a convenient, more comprehensive way to manage your professional emails and is relatively easy to set up.

Reasonably priced, this option only requires you to manage one provider and typically includes customer service. But the email interface may have limited features and functionalities, and there could be additional costs to increase storage.

3. Online Office Suites –

If you’re in need of other online business tools, consider a package like Google Apps for Work and Office 365 Small Business. Some office suites allow you to purchase tools a la carte, such as document editing, online storage, video conferencing, and secure file sharing or you can just start with the email only option.

In addition to business-class email with 99.9% uptime, you’ll be able to create unlimited email addresses, sync up your email and tools to all of your digital devices, and have controls to secure your company’s data and devices.

Even though all three methods are effective, take into consideration how your business operates (i.e. email dependency, number of staff, budget, etc.) and choose the option which suits your needs best.





Start Up Business Loans: The 9 Best Options #small #business #consulting

#start up business loans

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Start Up Business Loans: The 9 Best Options

Thanks for clarifying. With a deal like this, conventional lenders (like Bank of America, etc.) may be your best option. Who is willing to finance the deal and how the financing is ultimately structured will depend on the specifics of the deal. The financial health of the businesses you re looking to acquire as well as your own personal financial health will be critical. Sometimes banks will finance a portion of a deal with an SBA loan (the 7a is capped at $5m) and the rest with a traditional bank loan.

This article is well organized and informative. I will look into one of these options very soon. I am starting a business in a couple of months but I have no money to put into the business. I have a 690 credit score and own a home with hardly any equity. I need money for the equipment, franchise fee, and working capital. I have a business plan done but have not made a move yet. Any guidance?

Thanks reaching out.

In most cases, lenders will require you put up a down payment of 10-20% for a startup business loan. Typically, lenders do not want that down payment to come from additional borrowing (like from a personal loan or credit card cash advance). If you don t have any cash savings, this might mean finding an investor/partner. Or, if you have over $50k in a retirement account, you could use those funds for the business/down payment (without paying early withdrawal taxes and penalties) by setting up a rollover for business startups (ROBS). Read more about those here or speak with a ROBS pro at Guidant .

I hope that is helpful. Check in with us as things progress. We d love to get updates.

I want to start an arts and crafts supply store in my area. There are none in the city that I live in. I am a new entrepreneur and I am still learning the process. I am also a veteran, minority female are there loans available for me?

Thanks for your question. There are certain small business loan programs available to women. minorities. and veterans. Check out those articles for more details.

Keep in mind, as with any loan program, you have to show the lender that you will be able to repay the money you re borrowing (plus interest) in a timely manner. In other words, these are not giveaways. These are primarily normal business loans that come with slightly more flexible qualifications and which have been flagged for certain groups in order to promote certain policy goals.

In most cases you will still need a credit score above 650 (check here for free ) and will need to present a solid business plan with projections (we recommend LivePlan to create a comprehensive business plan plus they come with hundreds of examples/templates which is a big help). Having some collateral and a down payment will also increase your chances of being approved for one of these loans.

Stay in touch and let us know how things go.

Good day! My two biz partners and I are looking to obtain a start up loan and hit the ground running. Credit score is 740 s, approvals right and left, obviously this is great and no problem. Problem we are running into is, we are unestablished which is apparently a major deal breaker. This particular venture previously done with much success by one of the three partners was producing 19k-20k/month and growing. His partner at the time split with nearly ALL the companies revenue (350K!), so my question is, how can we get the loan (50k-100k) to get started? Thanks!

Startups often have a difficult time obtaining traditional bank loans for the exact reason you re describing. If either of you have real estate that can be used as collateral, you may be able to obtain an SBA loan. However, for startups, it can take 2-3 months to get funded with an SBA loan.

If all three of you have credit scores above 700, you may want to consider personal loans with Lending Club to start. If you keep close records of how the proceeds are used, you should be able to refinance the loan with a business loan down the road, when the business has been operating for a year or two.

I have someone interested in investing in my food service business. He will invest $25,000 for start-up costs. What percentage of interest would be normally be paid, after he makes his money back?

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Disclaimer: We spend hours researching and writing our articles and strive to provide accurate, up-to-date content. However, our research is meant to aid your own, and we are not acting as licensed professionals. We recommend that you consult with your own lawyer, accountant, or other licensed professional for relevant business decisions. Click here to see our full disclaimer .





10 Steps to Setting Up a Payroll System #sample #business #plan

#small business payroll

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Whether you have one employee or 50, setting up a payroll system not only streamlines your ability to stay on top of your legal and regulatory responsibilities as an employer, but it can also save you time and help protect you from incurring costly Internal Revenue Service (IRS) penalties.

Here are 10 steps to help you set up a payroll system for your small business.

Obtain an Employer Identification Number (EIN). Before hiring employees, you need to get an employment identification number (EIN) from the IRS. The EIN is often referred to as an Employer Tax ID or as Form SS-4. The EIN is necessary for reporting taxes and other documents to the IRS. In addition, the EIN is necessary when reporting information about your employees to state agencies. You can apply for an EIN online or contact the IRS directly.

Check Whether You Need State/Local IDs. Some state/local governments require businesses to obtain ID numbers in order to process taxes.

Independent Contractor or Employee – Know the Difference. Be clear on the distinction between an independent contractor and an employee. In legal terms, the line between the two is not always clear and it affects how you withhold income taxes, withhold and pay Social Security and Medicare taxes, and pay unemployment taxes.

Take Care of Employee Paperwork. New employees must fill out Federal Income Tax Withholding Form W-4. Your employee must complete the form and return it to you so that you can withhold the correct federal income tax from their pay.

Decide on a Pay Period. You may already have a manual process for this, but setting up a pay-period (whether monthly or bi-monthly) is sometimes determined by state law with most favoring bi-monthly payments. The IRS also requires that you withhold income tax for that time period even if your employee does not work the full period.

Carefully Document Your Employee Compensation Terms. As you set up payroll, you’ll also want to consider how you handle paid time off (not a legal requirement, but offered by most businesses), how you track employee hours, if and how you pay overtime, and other business variables. Don’t forget that other employee compensation and business deductibles such as health plan premiums and retirement contributions will also need to be deducted from employee paychecks and paid to the appropriate organizations.

Choosing a Payroll System. Payroll administration requires an acute attention to detail and accuracy, so it’s worth doing some research to understand your options. Start by asking fellow business owners which method they use and if they have any tips for setting up and administering payroll. Typically, your options for managing payroll include in-house or outsourced options. However, regardless of the option you choose, you — as the employer — are responsible for reporting and paying of all payroll taxes.

Running Payroll. Once you have all your forms and information collated, you can start running payroll. Depending on which payroll system you choose, you’ll either enter it yourself or give the information to your accountant.

Get Record Keeping Savvy. Federal and some state laws require that employers keep certain records for specified periods of time. For example, W-4 forms (on which employees indicate their tax withholding status) must be kept on file for all active employees and for three years after an employee is terminated. You also need to keep W-2s, copies of filed tax forms, and dates and amounts of all tax deposits.

Report Payroll Taxes. There are several payroll tax reports that you are required to submit to the appropriate authorities on either a quarterly or annual basis. If you are in any way confused about your obligations, take a look at the IRS’s Employer’s Tax Guide. which provides some very clear guidance on all federal tax filing requirements. Visit your state tax agency for specific tax filing requirements for employers.





New start up business help: Work from home 20 hours a week

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New start up business help

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Treating Breathing Problems in Children #cough, #bronchiolitis, #breathing #problems, #rapid #breathing, #breathing


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Breathing Problems in Children

Call 911 if your child:

  • Is gasping for breath
  • Can’t cry or talk because of breathing trouble
  • Grunts when breathing
  • Has blue lips
  • May have a small object caught in her throat
  • Is breathing very fast (this is also a symptom of fever)
  • Looks very sick

Breathing problems are common in young children, but in some cases they can be serious.

Call the Doctor If Your Child:

  • Is younger than 1 year old and still has trouble breathing after you cleaned out her nose

Has bronchiolitis (a common lung infection in children) or a reactive airways disease (such as asthma or a condition like asthma ) episode

  • Has trouble breathing or is breathing very fast when not coughing
  • Has severe coughing attacks or continuous coughing
  • Is wheezing or making a high-pitched whistle sound when breathing out or in
  • Can’t take a deep breath because of chest pain or coughed-up blood
  • Has a fever that persists
  • Flares her nostrils or draws in her chest muscles to breathe
  • Is sluggish
  • Is vomiting and can’t keep fluids down
  • Has a cold that gets worse quickl
  • 1. Prevent Dehydration

    • Give babies plenty of breast milk or formula.
    • Give older children water or juice mixed with water.
    • Children may eat more slowly because of breathing problems, so give them plenty of time.

    2. Relieve Congestion

    • Thin mucus in a stuffy nose with saline nose drops.
    • Remove mucus from a baby’s nose with a suction bulb.

    3. Ease Breathing

    • Use a cool-mist humidifier near the child to add moisture to the air.
    • Sit in the bathroom with a hot shower running and have your child breathe in the steam.

    4. Make the Child Comfortable

    • Let the child rest.
    • Give children’s-formula acetaminophen (Tylenol ) to bring down a fever.
    • Keep the child away from cigarette smoke.

    WebMD Medical Reference Reviewed by Roy Benaroch, MD on September 10, 2015

    Sources

    American Academy of Family Physicians: “Bronchiolitis and Your Child.”

    American Academy of Pediatrics: “Treating Bronchiolitis in Infants.”

    © 2015 WebMD, LLC. All rights reserved.


    Pop-Up Christmas Cards & Desk Calendars – For Business or Personal Greetings


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    Have you ever seen your Christmas card displayed three years after you sent it?. or received compliments on your company calendar?

    Graphics3’s incomparable rubberband activated Pop-up Christmas cards and calendars pop-up in recipient’s hands when removed from the envelope to become decorations for the table or Christmas ornaments for the tree!

    Unlike pop-up greeting cards and pop-up books that manually unfold from between covers as you open them, the familiar notion of a pop-up card, our innovative pop-up Christmas card designs assemble themselves automatically into fully dimensional, freestanding 3d paper miniatures on opening the envelope. They hat look for all the world more like hand made gifts rather than the common conception of pop-ups we all love.

    Whimsical buildings, houses with walls and roofs that pop-up to stand by themselves – Christmas scenes with Santa and his elves, Santa�s rocket ship, a birdhouse, vintage cars, a red paper airplane with Santa in the cockpit, Sleighs, flower carts and more – all emerge from a simple envelope to transform your greeting � business or personal � into a memorable experience.

    We can imprint your pop-up Christmas cards or pop-up calendars with your name, corporate greeting or logo � or you can just sign the matching gift tag attached to each card to personalize by hand!

    All mail at regular First Class Letter rates! No assembly – Just the magic of great design that customer’s love!

    Constructed of recyclable paper, vegetable inks, rubber and string. The impact will be on your fortunate recipients not the environment.

    For 42 years Graphics3 has been creating unique pop-up Christmas cards personalized for business and personal use that help our customers rise above the crowd. 3D printing since 1974 the ingenious old-fashioned way; before computers were ubiquitous! Our products are made in North America and sold directly. Not available in stores.

    See them here on video or request an audition! We guarantee your satisfaction!