Free Business Cards: Where To Get Them And The Fine Print! #business

#free business cards

#

Free Business Cards: Where To Get Them And The Fine Print!

Yes. However, you can only get 10 business cards for completely free. The offers for 250 free business cards are very misleading. You will end up paying a minimum of $5.00 to $12.00 for “free business cards”.

Click Here to get our FREE Google advertising guide and discover the 6 steps you can use to show up #1 in Google search

The Truth About Free Business Cards

When companies like Vistaprint or 1-800-Postcards offer free business cards, they are really offering you free business card printing. However, there are 4 ways in which they seek to make money from you.

  1. They charge you for shipping. While the printing is free, you will need to pay a shipping fee to receive them. While I cannot say for 100% sure, I suspect that their total costs including shipping are less than the shipping fee.
  2. They charge you for speed. If you need the cards for a meeting, tradeshow or convention in a few days, you may have pay an additional fee for express printing and even more for shipping. You get business cards free only if you can wait a couple weeks to receive them.
  3. The business card printer gets free advertising. Typically on the back of the cards, there is a logo or text advertisement for the company that printed the business cards. If you want to remove the advertisement, then you will have to buy a premium business card.
  4. They will try to convince you to buy premium cards or add-on items. Some companies offer 40 free design templates for free business cards, but hundreds of business card design templates for premium buyers.

With free business cards, you may also not have the option of different finishes. After you finish designing your business card, companies will try to sell you business card holders, magnetic business cards and all other sorts of other promotional items. When you try to order free business cards, the printing company will make the process drawn-out to give them lots of opportunities to sell you a product which is not free.

I said there was one completely free offer. Yes, Moo does offer 10 free business cards with no printing fee and no shipping fee. There is a small Moo.com logo on the back and you will receive the cards via USPS in about 10 days.

How much do free business cards really cost when you include shipping?

Vistaprint Offer: 250 Cards For $6.93. (For NYC address) Two weeks for delivery and small text ads appears on the back.

In practice, the best deal is not business cards but buying 500 cards which will cost less than $20 with shipping .

Moo.com Offer: 50 Business Cards For $5.00. Includes option of using recycled material or gloss finish at no extra charge. Free full color images on back and front of card for no additional charge. 10 days for delivery and small Moo.com logo appears on the back.

1-800-Postcards Offer: 250 Business Cards For $12.00 Three weeks for delivery and small text ads appears on the back.

Want a real bargain? Try Fiverr

You re reading this article because you re frugal. One place where frugal entrepreneurs go to get business cards, flyers, and brochures designed and a host of other services is Fiverr. All services on Fiverr start at only $5!

Can you print your own business cards for free?

Yes, there are a number of programs that provide free online templates (word and PDF formats) for business cards. Assuming that you have the following tools, you may be able to print your own business cards for free:

  • High-Quality Inkjet or Laser Printer
  • Exacto Knife or Paper Cutter or If Your Have Great Hands, A Sharp Scissor
  • High Quality Paper (ie 100 lb cotton paper)
  • Free Business Card Printing Software: Easy To Use More Choice Templates

This option may not appeal to most business people because, a hand cut business card can look slightly off. If you want a professional looking card, you can buy heavy-stock pre-cut paper. Literally, you can pop-out a card with a perfect edge. Unfortunately, this paper doesn’t come cheap. You can buy business card paper to print 250 cards for $15 to $20. Avery provides free business card templates that work with its paper products.

Click Here to get our FREE Google advertising guide and discover the 6 steps you can use to show up #1 in Google search

Why get free business cards cards, when premium cards only cost $15 more?

When do you give out business cards? When you’re meeting someone for the first time and making a first impression. While your business associate may not remember a great looking business card, there is a chance that they will remember a “bad” business card or a business card that gives the impression that your company is struggling or cheap. A business card that has an advertisement for the printing company sends the message that you NEED to watch every buck.

To learn how to get professional looking business cards without advertising on any budget see our article 7 Steps to the Perfect Business Card .

About the Author

Marc Prosser has been involved in many businesses as an executive, advisor, and investor. Prior to starting his own company, Marc Prosser was the first employee and Chief Marketing Officer of FXCM. During his ten years at FXCM, the company grew from a small business to over 700 employees.

Related Posts

Copyright © 2016 · FitSmallBusiness. All Right Reserved. Privacy Policy .

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 .





Where to Find Small Business Grants for Women #business #insurance #quotes

#business grants for women

#

Where to Find Small Business Grants for Women

Do you think financing a small business’s startup and expansion is as easy as obtaining a free grant from the government? You might (almost) be excused for believing that Uncle Sam is handing out bags of free money to anyone with two X chromosomes. In addition to late-night infomercials about government grants, dozens of articles full of misinformation about small business grants for women can be found online, full of vague terms and hazy promises like “The government offers a wide range of grants for women entrepreneurs.”

Well, I hate to be the bearer of bad news, but as the saying goes, “If it sounds too good to be true, it probably is.” Small business grants for women are few and far between. Why? Here’s what you need to know.

The Federal Government Doesn t Provide Grants for Starting and Expanding a Business

First, to quote from the SBA’s website, “ The federal government does NOT provide grants for starting and expanding a business. ” Instead, the federal government gives grants to non-commercial entities, such as universities or nonprofit organizations.

How did the misconception that the government provides small business grants arise? Perhaps it’s because the federal government does make grants to help state and local governments, which often turn around and use those funds to offer grants to organizations that help small business owners. In other words, if you started a nonprofit to help women start businesses, you might be able to get a government grant for that. But you can’t get a government grant to start a business yourself.

According to the SBA, some states do provide grants to businesses whose work benefits the region and its residents. For instance, you might be able to get a grant if your business helps develop energy-efficient technology that helps the state and its residents save money, or if you are expanding a child-care center (enabling more residents to work and support themselves). Even in these limited cases, however, the grants are rarely “free money.” You may be required to match the funds with an equal amount of your own capital or with a loan, for example. To search for this type of grant, visit the official government grants website, Grants.gov, and check out their section for grant applicants to see if you are eligible. (There are no small business grants for women on this site that aren’t also open to men, but there are some for small businesses.)

The 4 Best Small Business Grants for Women

Knowing the options are limited, let s talk about where women entrepreneurs can find funding. Here are a (very few) small business grants for women to investigate.

  • Eileen Fisher Women-Owned Business Grant Program: Fashion designer Eileen Fisher launched these small business grants for women in 2004. Today the company awards $100,000 in total grants annually to 10 women-owned businesses beyond the startup stage (maximum $10,000 per recipient). Learn more about eligibility and the application process here .
  • Amber Grant . Launched by Womensnet.com in 1998 to honor the memory of a young woman who died before she could fulfill her entrepreneurial dreams, this program makes a $500 grant to one qualifying woman business owner each month; one of those women receives a $2,000 grant at the end of the year.
  • IdeaCafe Grant . IdeaCafe awards $1,000 grants to small business owners. Although the grant is not for women only, the vast majority of the winners have been female.
  • Grants and Scholarships for Women (GrantsforWomen.org): You can search this database of scholarship opportunities and grants for women, but be forewarned—most are for non-business purposes.

As you can see, these grants are so small that your time may be better spent in figuring out ways to grow your business without them.

When you’re seeking a grant, watch out for scams. If you’re asked to pay money or sign up for some kind of subscription to access a listing of small business grants for women, beware.

Your best bet in seeking a grant to start or expand your business? Talk to your local Small Business Development Center (SBDC) or SCORE office. These organizations are plugged into the local financing community and will be able to guide you if, indeed, there are any small business grants for women in your area from local corporations, philanthropic or economic development organizations. You might also want to look into SBA loans for women. an affordable kind of financing for female small business owners.





Bad Credit? Where to Find Business Loans #business #reviews

#bad credit business loans

#

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Bad Credit? Where to Find Business Loans

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Bad credit is a red flag for lenders. It indicates you’ve either mismanaged your personal finances or fallen on hard times. Either way, lenders see you as higher risk — more likely to miss payments or default on a loan than a borrower with good credit.

Bad credit (defined by FICO as a score of 300 to 629) is one reason loan applications are rejected; the approval rate of business loans from big banks was just 23.3% as of June 2016, according to Biz2Credit. But alternative lenders provide options. They emphasize the strength and operating history of your business rather than your credit. Be sure to carefully compare all of your choices, weighing terms and annual percentage rate.

Here are some options:

Note: If you’re a startup less than a year old, it’ll be tough to find a loan, no matter your credit. Here are financing ideas to help you launch your company.

If your personal credit score is under 500

With a score below 500, your best bet is likely a lender with no minimum credit score. Many lenders require a minimum score to qualify, but Fundbox and Kabbage don’t. Both are good, although pricey, choices for bad-credit borrowers who need short-term working capital up to $100,000. Fundbox, however, is only for businesses with unpaid customer invoices. There’s no minimum revenue with Fundbox and no credit check. For Kabbage’s line of credit, you need least $50,000 in annual revenue and one year in business.

If your personal credit score is 500 or higher

With a personal credit score of at least 500 or 530, you could qualify for OnDeck or BlueVine. OnDeck is for businesses that have at least $100,000 in annual revenue and is better if you need cash for an expansion (such as purchasing equipment or making renovations). The lender reports payment activity to the three credit bureaus, so paying off your loan on time will help build your credit score. If your score is at least 530 and your business has unpaid customer invoices, consider BlueVine invoice factoring.

Good option for:

• Fast cash
• Inventory
• Expansion

• Fast cash
• Working capital
• Businesses with unpaid invoices

500+ credit score
• $100,000+ revenue
• No personal bankruptcies in past 2 years

530+ credit score
• Must have unpaid customer invoices
• $120,000+ annual revenue
• 3+ months in business

If your personal credit score is 600 or higher

Because your score is at least 600, you can turn to Dealstruck or StreetShares for financing. For larger amounts of funding and lower borrowing costs, consider Dealstruck, as it has term loans and lines of credit up to $500,000 with APRs from 10% to 28%. However, you’ll also need strong minimum annual revenue of $150,000 to qualify. If you have $25,000 or more in revenue, StreetShares is an option. Its loans max out at $100,000 with 9% to 40% APR.

Good option for:

• Expansion, inventory purchases
• Businesses with unpaid invoices

• Young businesses
• Veterans

600+ credit score
• $150,000+ annual revenue
• 1+ year in business

600+ credit score
• $25,000+ annual revenue
• 1+ year in business, unless you already have $100,000 revenue (drops to six months)





Bad Credit? Where to Find Business Loans #home #business #ideas #for #women

#bad credit business loans

#

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Bad Credit? Where to Find Business Loans

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Bad credit is a red flag for lenders. It indicates you’ve either mismanaged your personal finances or fallen on hard times. Either way, lenders see you as higher risk — more likely to miss payments or default on a loan than a borrower with good credit.

Bad credit (defined by FICO as a score of 300 to 629) is one reason loan applications are rejected; the approval rate of business loans from big banks was just 23.3% as of June 2016, according to Biz2Credit. But alternative lenders provide options. They emphasize the strength and operating history of your business rather than your credit. Be sure to carefully compare all of your choices, weighing terms and annual percentage rate.

Here are some options:

Note: If you’re a startup less than a year old, it’ll be tough to find a loan, no matter your credit. Here are financing ideas to help you launch your company.

If your personal credit score is under 500

With a score below 500, your best bet is likely a lender with no minimum credit score. Many lenders require a minimum score to qualify, but Fundbox and Kabbage don’t. Both are good, although pricey, choices for bad-credit borrowers who need short-term working capital up to $100,000. Fundbox, however, is only for businesses with unpaid customer invoices. There’s no minimum revenue with Fundbox and no credit check. For Kabbage’s line of credit, you need least $50,000 in annual revenue and one year in business.

If your personal credit score is 500 or higher

With a personal credit score of at least 500 or 530, you could qualify for OnDeck or BlueVine. OnDeck is for businesses that have at least $100,000 in annual revenue and is better if you need cash for an expansion (such as purchasing equipment or making renovations). The lender reports payment activity to the three credit bureaus, so paying off your loan on time will help build your credit score. If your score is at least 530 and your business has unpaid customer invoices, consider BlueVine invoice factoring.

Good option for:

• Fast cash
• Inventory
• Expansion

• Fast cash
• Working capital
• Businesses with unpaid invoices

500+ credit score
• $100,000+ revenue
• No personal bankruptcies in past 2 years

530+ credit score
• Must have unpaid customer invoices
• $120,000+ annual revenue
• 3+ months in business

If your personal credit score is 600 or higher

Because your score is at least 600, you can turn to Dealstruck or StreetShares for financing. For larger amounts of funding and lower borrowing costs, consider Dealstruck, as it has term loans and lines of credit up to $500,000 with APRs from 10% to 28%. However, you’ll also need strong minimum annual revenue of $150,000 to qualify. If you have $25,000 or more in revenue, StreetShares is an option. Its loans max out at $100,000 with 9% to 40% APR.

Good option for:

• Expansion, inventory purchases
• Businesses with unpaid invoices

• Young businesses
• Veterans

600+ credit score
• $150,000+ annual revenue
• 1+ year in business

600+ credit score
• $25,000+ annual revenue
• 1+ year in business, unless you already have $100,000 revenue (drops to six months)





Free Business Cards: Where To Get Them And The Fine Print! #business

#free business cards

#

Free Business Cards: Where To Get Them And The Fine Print!

Yes. However, you can only get 10 business cards for completely free. The offers for 250 free business cards are very misleading. You will end up paying a minimum of $5.00 to $12.00 for “free business cards”.

Click Here to get our FREE Google advertising guide and discover the 6 steps you can use to show up #1 in Google search

The Truth About Free Business Cards

When companies like Vistaprint or 1-800-Postcards offer free business cards, they are really offering you free business card printing. However, there are 4 ways in which they seek to make money from you.

  1. They charge you for shipping. While the printing is free, you will need to pay a shipping fee to receive them. While I cannot say for 100% sure, I suspect that their total costs including shipping are less than the shipping fee.
  2. They charge you for speed. If you need the cards for a meeting, tradeshow or convention in a few days, you may have pay an additional fee for express printing and even more for shipping. You get business cards free only if you can wait a couple weeks to receive them.
  3. The business card printer gets free advertising. Typically on the back of the cards, there is a logo or text advertisement for the company that printed the business cards. If you want to remove the advertisement, then you will have to buy a premium business card.
  4. They will try to convince you to buy premium cards or add-on items. Some companies offer 40 free design templates for free business cards, but hundreds of business card design templates for premium buyers.

With free business cards, you may also not have the option of different finishes. After you finish designing your business card, companies will try to sell you business card holders, magnetic business cards and all other sorts of other promotional items. When you try to order free business cards, the printing company will make the process drawn-out to give them lots of opportunities to sell you a product which is not free.

I said there was one completely free offer. Yes, Moo does offer 10 free business cards with no printing fee and no shipping fee. There is a small Moo.com logo on the back and you will receive the cards via USPS in about 10 days.

How much do free business cards really cost when you include shipping?

Vistaprint Offer: 250 Cards For $6.93. (For NYC address) Two weeks for delivery and small text ads appears on the back.

In practice, the best deal is not business cards but buying 500 cards which will cost less than $20 with shipping .

Moo.com Offer: 50 Business Cards For $5.00. Includes option of using recycled material or gloss finish at no extra charge. Free full color images on back and front of card for no additional charge. 10 days for delivery and small Moo.com logo appears on the back.

1-800-Postcards Offer: 250 Business Cards For $12.00 Three weeks for delivery and small text ads appears on the back.

Want a real bargain? Try Fiverr

You re reading this article because you re frugal. One place where frugal entrepreneurs go to get business cards, flyers, and brochures designed and a host of other services is Fiverr. All services on Fiverr start at only $5!

Can you print your own business cards for free?

Yes, there are a number of programs that provide free online templates (word and PDF formats) for business cards. Assuming that you have the following tools, you may be able to print your own business cards for free:

  • High-Quality Inkjet or Laser Printer
  • Exacto Knife or Paper Cutter or If Your Have Great Hands, A Sharp Scissor
  • High Quality Paper (ie 100 lb cotton paper)
  • Free Business Card Printing Software: Easy To Use More Choice Templates

This option may not appeal to most business people because, a hand cut business card can look slightly off. If you want a professional looking card, you can buy heavy-stock pre-cut paper. Literally, you can pop-out a card with a perfect edge. Unfortunately, this paper doesn’t come cheap. You can buy business card paper to print 250 cards for $15 to $20. Avery provides free business card templates that work with its paper products.

Click Here to get our FREE Google advertising guide and discover the 6 steps you can use to show up #1 in Google search

Why get free business cards cards, when premium cards only cost $15 more?

When do you give out business cards? When you’re meeting someone for the first time and making a first impression. While your business associate may not remember a great looking business card, there is a chance that they will remember a “bad” business card or a business card that gives the impression that your company is struggling or cheap. A business card that has an advertisement for the printing company sends the message that you NEED to watch every buck.

To learn how to get professional looking business cards without advertising on any budget see our article 7 Steps to the Perfect Business Card .

About the Author

Marc Prosser has been involved in many businesses as an executive, advisor, and investor. Prior to starting his own company, Marc Prosser was the first employee and Chief Marketing Officer of FXCM. During his ten years at FXCM, the company grew from a small business to over 700 employees.

Related Posts

Copyright © 2016 · FitSmallBusiness. All Right Reserved. Privacy Policy .

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 .





Where are They Now? Patrick Donnelly in Cincinnati Business Courier Forty Under

#cincinnati business courier

#

Where are They Now? Patrick Donnelly in Cincinnati Business Courier Forty Under 40 Retrospective

June 20th 2016 at 3:13PM

Twenty years ago, Patrick Donnelly, then associate principal and director of client services at BHDP, was recognized in the Forty Under 40 class of 1996 from the Cincinnati Business Courier. In a rare retrospective of all winners from this highly motivated class, the Business Courier reports on the current standings of each nominee.

Today, Patrick Donnelly continues his work at BHDP, now as an owner and client leader.

As the article reports:

A lot has changed since 1996. The Forty Under 40 awards were only in their second year and the Business Courier received 120 nominations. (This year, we received 426 nominations.) However, the focus was the same: We were seeking up-and-coming business leaders making a difference in the community.

The emphasis is on leadership and potential leadership – whether it is in business, finance, politics, nonprofits, education or public service. Focus is also placed on the nominee’s community involvement. Most of our honorees have made good on the early promise they showed. Among them we count 14 company presidents, nine sitting CEOs, three business owners, two law partners and one judge.

2016 BHDP Architecture. All rights reserved.





Curs SQL practic, aplicativ-acreditat Absolute School, sql where.#Sql #where


#

Sql where

Sql where

  • RESPONSABIL DE MEDIU
  • Curs Specialist deseuri
  • Curs VBA IN EXCEL
  • CURS LIMBA FRANCEZA
  • Curs SQL
  • Curs Contabilitate PFA (detalii)

CURS SQL

Pret promotional pana la data 30-09-2017

Cursul de SQL se adreseaza persoanelor ce doresc sa isi formeze sau sa isi dezvolte cunostintele in domeniul proiectarii bazelor de date SQL. Cursul parcurge toate aspectele necesare proiectarii unei baze de date pentru orice tip de aplicatie, punand accent la fiecare capitol pe partea practica.Trainerii nostri sunt dezvoltatori cu experienta in companii renumite, prezentand notiunile din perspectiva unor practicieni.

Limbajul SQL (Structured Query Language) este utilizat pentru lucrul cu baze de date rela ionale; limbajul SQL standard contine o serie de comenzi standard (utilizate in acelasi mod pe toate tipurile de servere: Oracle, SQL Server, MySQL, etc.). Pe parcursul acestui curs se utilizeaza MySQL.

veti sti sa proiectati o baza de date

veti sti sa efectuati operatii cu datele dintr-o baza de date (adaugare, modificare, stergere)

veti sti sa utilizati functiile MySQL

Cursul este acreditat de Ministerul Muncii si Ministerul Educatiei (click aici pentru detalii). Dupa finalizarea cursului se sustine examen si se obtine un certificat recunoscut la nivel national si international, cu valabilitate nelimitata, insotit de suplimentul Europass.

Absolute School ofera multe avantaje cursantilor, pe care le puteti afla AICI ! Avem un feed-back foarte bun de la absolventii cursurilor noastre, pe care le puteti vedea aici.

Lista intrebarilor frecvente privind acest curs o puteti vizualiza AICI. Documentele necesare pentru participarea la examen se gasesc AICI.

Inainte de a va inscrie la un curs cititi AICI recomandarile pentru o alegere corecta.


Free Business Cards: Where To Get Them And The Fine Print! #business

#free business cards

#

Free Business Cards: Where To Get Them And The Fine Print!

Yes. However, you can only get 10 business cards for completely free. The offers for 250 free business cards are very misleading. You will end up paying a minimum of $5.00 to $12.00 for “free business cards”.

Click Here to get our FREE Google advertising guide and discover the 6 steps you can use to show up #1 in Google search

The Truth About Free Business Cards

When companies like Vistaprint or 1-800-Postcards offer free business cards, they are really offering you free business card printing. However, there are 4 ways in which they seek to make money from you.

  1. They charge you for shipping. While the printing is free, you will need to pay a shipping fee to receive them. While I cannot say for 100% sure, I suspect that their total costs including shipping are less than the shipping fee.
  2. They charge you for speed. If you need the cards for a meeting, tradeshow or convention in a few days, you may have pay an additional fee for express printing and even more for shipping. You get business cards free only if you can wait a couple weeks to receive them.
  3. The business card printer gets free advertising. Typically on the back of the cards, there is a logo or text advertisement for the company that printed the business cards. If you want to remove the advertisement, then you will have to buy a premium business card.
  4. They will try to convince you to buy premium cards or add-on items. Some companies offer 40 free design templates for free business cards, but hundreds of business card design templates for premium buyers.

With free business cards, you may also not have the option of different finishes. After you finish designing your business card, companies will try to sell you business card holders, magnetic business cards and all other sorts of other promotional items. When you try to order free business cards, the printing company will make the process drawn-out to give them lots of opportunities to sell you a product which is not free.

I said there was one completely free offer. Yes, Moo does offer 10 free business cards with no printing fee and no shipping fee. There is a small Moo.com logo on the back and you will receive the cards via USPS in about 10 days.

How much do free business cards really cost when you include shipping?

Vistaprint Offer: 250 Cards For $6.93. (For NYC address) Two weeks for delivery and small text ads appears on the back.

In practice, the best deal is not business cards but buying 500 cards which will cost less than $20 with shipping .

Moo.com Offer: 50 Business Cards For $5.00. Includes option of using recycled material or gloss finish at no extra charge. Free full color images on back and front of card for no additional charge. 10 days for delivery and small Moo.com logo appears on the back.

1-800-Postcards Offer: 250 Business Cards For $12.00 Three weeks for delivery and small text ads appears on the back.

Want a real bargain? Try Fiverr

You re reading this article because you re frugal. One place where frugal entrepreneurs go to get business cards, flyers, and brochures designed and a host of other services is Fiverr. All services on Fiverr start at only $5!

Can you print your own business cards for free?

Yes, there are a number of programs that provide free online templates (word and PDF formats) for business cards. Assuming that you have the following tools, you may be able to print your own business cards for free:

  • High-Quality Inkjet or Laser Printer
  • Exacto Knife or Paper Cutter or If Your Have Great Hands, A Sharp Scissor
  • High Quality Paper (ie 100 lb cotton paper)
  • Free Business Card Printing Software: Easy To Use More Choice Templates

This option may not appeal to most business people because, a hand cut business card can look slightly off. If you want a professional looking card, you can buy heavy-stock pre-cut paper. Literally, you can pop-out a card with a perfect edge. Unfortunately, this paper doesn’t come cheap. You can buy business card paper to print 250 cards for $15 to $20. Avery provides free business card templates that work with its paper products.

Click Here to get our FREE Google advertising guide and discover the 6 steps you can use to show up #1 in Google search

Why get free business cards cards, when premium cards only cost $15 more?

When do you give out business cards? When you’re meeting someone for the first time and making a first impression. While your business associate may not remember a great looking business card, there is a chance that they will remember a “bad” business card or a business card that gives the impression that your company is struggling or cheap. A business card that has an advertisement for the printing company sends the message that you NEED to watch every buck.

To learn how to get professional looking business cards without advertising on any budget see our article 7 Steps to the Perfect Business Card .

About the Author

Marc Prosser has been involved in many businesses as an executive, advisor, and investor. Prior to starting his own company, Marc Prosser was the first employee and Chief Marketing Officer of FXCM. During his ten years at FXCM, the company grew from a small business to over 700 employees.

Related Posts

Copyright © 2016 · FitSmallBusiness. All Right Reserved. Privacy Policy .

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 .





Renegade to be first Jeep sold, not built, in North America –


#

Renegade to be first Jeep sold, not built, in North America

The Fiat 500L was introduced to U.S. buyers with TV commercials that featured a Paul Revere character storming the colonial countryside on horseback, excitedly hollering that the Italians were coming.

The ads were clever and generally well received but don t bet on anything similar in touting Fiat Chrysler Automobiles upcoming import to America.

We re not talking Alfa Romeo or Maserati, here. This time, it s a Jeep.

Starting late this year, the subcompact Jeep Renegade will begin arriving in U.S. dealerships. Fiat Chrysler plans to build the Jeep alongside the upcoming Fiat 500X at a Fiat plant in Melfi, Italy.

The Renegade will be the first Jeep to be sold in the United States that isn t built in North America.

Jeep officials weren t available for an interview last week. But in press materials promoting the new model, Jeep says the SUV is designed in America and crafted in Italy, showing the brand s dedication to the global market and the depth of its resources.

If it sounds like Jeep s marketing team is trying to walk a fine line between recognizing the company s new global footprint without losing its American clout, they probably are.

There is a patriotic angle to the [Jeep] brand, an American angle to it. There s no question about that, and it s possibly more than any other brand, said Tom Libby, an analyst with IHS Automotive.

However, Jeep s parent company, Chrysler Group LLC, is no longer wholly American.

The Chrysler-Fiat matrimonio was born in 2009, when Fiat SpA took a 20 percent stake of Chrysler as it emerged from bankruptcy. Fiat gradually increased its ownership until the union was fully consummated earlier this year with Chrysler becoming a wholly owned Fiat subsidiary.

That has brought with it two big questions: Are Chrysler and its brands still truly American, and are consumers likely to care if they re not?

Experts say the answer to both is the same.

Mr. Libby calls Chrysler a global company now. But hold the cheers, GM and Ford fans. Mr. Libby has the same designation for the other two pillars of what once was Detroit s Big Three.

That whole concept is really obsolete, he said. All of these major companies are global in nature.

A few decades ago, it was easier to say a car was American, Japanese, or German.

Today, Chevrolet builds cars in Mexico, Honda builds them in Ohio, and BMW builds SUVs in South Carolina that it sends back across the Atlantic to sell in Europe.

Parts come from all over the world. Land Rover and Jaguar still have their British accent, but they re owned by Tata Motors in India. That Italian Fiat 500L? It s built in Serbia.

So for those who demand an American car, it can be a difficult order to fill.

When you re sitting down and saying what s an American car, what s a non-American car, it s tricky, said Frank DuBois, an associate professor of international business at American University in Washington. There s a lot of factors here.

For the last two years, Mr. DuBois has compiled a made-in-America auto index that attempts to go beyond the American Automotive Labeling Act that requires car companies to say how much content from the United States and Canada is in each vehicle.

Mr. DuBois goes further, looking at where the car is assembled, where research and development are done, where the engine and transmission are made, where other major components come from, and where the company is headquartered.

That last category cost Chrysler Group vehicles in the 2014 rankings, with the Jeep Wrangler falling from a fourth-place tie to a tie for eighth. The Ford F-150 is ranked No. 1.

It s a blend

So, how does he view Chrysler s citizenship?

I argue it s quasi-American. It s a blend, he said. It s kind of like if your mother s from Germany and your father s from France, what are you? You ve got a situation [with Chrysler and Fiat] where your last name is Italian but you ve got American genetics.

More than other foreign-owned companies, Chrysler has major design, research and development, and marketing operations in the United States. It also builds most of its vehicles here, he notes.

In Mr. DuBois rankings, the Jeep Cherokee is 10th, followed by the Patriot.

While companies play on the connections that most help their marketing identity, in reality most people who aren t academics, automotive journalists, or union stalwarts don t care.

I think the overwhelming majority of people are oblivious or apathetic about where their vehicle is built, said Karl Brauer, an auto analyst with Kelley Blue Book.

Mr. Brauer suspects that will largely be the case with the Jeep Renegade.

You ll never know if one specific buyer cares about that, but at the end of the day I m always going to be a fan of great product, and I think that s what most people are, he said.

Selling the product

Jeep sales certainly haven t lagged under Fiat s control.

The brand set a worldwide sales record of 731,565 last year and is gunning for 1 million sales this year.

Here in the United States, Jeep can barely build enough Wranglers in Toledo, the Cherokee is off to a strong start, the Grand Cherokee continues to sell well and even the dated Compass and Patriot models are gaining ground. Through March, U.S. sales were up 44 percent to nearly 146,000 vehicles.

Jeep officials say the Renegade will help bring new customers into the lower end of the brand. Analysts don t expect it to take sales away from other U.S.-made Jeeps such as the Cherokee and Wrangler, both of which are built here in Toledo.

While U.S. auto workers are always eager to have more work, Bruce Baumhower, president of United Auto Workers Local 12, isn t too troubled by the idea of the small Jeep being imported for sale.

It bothers me just a little bit, but when you think about the product they re making, it s a small segment, he said.

We want to build the midsize stuff and the large stuff. We re operating in the biggest part of the SUV market here in Toledo.

The Fiat plant where the Renegade will be built is unionized.

Though the Jeep story is uniquely American, the book has more than a few chapters written from afar.

Jeep was started by Willys-Overland in Toledo in 1941. In the years since, Jeep has been owned by Kaiser Motors, American Motors Corp. and ultimately Chrysler.

While part of AMC, the French Renault company became the controlling shareholder. And later Jeep was a part of Chrysler when the company merged with Daimler-Benz of Germany.

It s just this kind of ongoing history for Jeep to be passed around by different parent owners with different geographic headquarters at the top of their organizational charts, Mr. Brauer said.

Jeep has soldiered on through all of that, in spite of not being well understood by some of its owners.

Automotive historian Pat Foster said neither Renault nor Daimler had a good grasp of the brand and what made it unique.

Mr. Foster is much more keen on Jeep s current owners.

Sergio Marchionne gets it, he said. He understands the Jeep brand and he wants to build it into a truly global brand. I think at the rate he s going and the ideas he s got, Jeep could be an enormous brand in just a few years.

Mr. Foster has written three books on the brand, with a fourth called The History of America s Greatest Vehicle due out June 15.

He also has some practical experience, having sold Jeeps at an AMC Jeep Renault dealership in Derby, Conn.

Some buyers would ask how things were going with French ownership, but nobody said they were put off so much that they wouldn t buy one.

That really didn t affect anything on the retail level, he said. People didn t care.

Nostalgic about Jeep, Mr. Foster does wish it was still completely American-owned.

But at the same time, he understands that without Fiat s intervention Chrysler would have disappeared and Jeep likely would have ended up in foreign hands anyway.

As for the Renegade, Mr. Foster doesn t see hard-core Jeepers lining up to buy one because it s not made in the United States. However, that s not the market Jeep is targeting with Renegade.

They see Renegade as a way to bring new buyers to the brand. Analysts figure Jeep will get incremental sales growth in the United States with the Renegade, but say China may prove the biggest market for the new vehicle.

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Where can you go for the best business advice? #at #home #businesses

#small business advice

#

Where can you go for the best business advice?

Starting a business is an exhilarating experience but can also be quite treacherous, if you’re really sure where you’re going. Luckily there is a wealth of information out there to help you prepare. The only issue is, where to start?

Ever on the pilgrimage to make your business endeavors easier, we have collated a list of the best places to look for startup and small business advice. The best part is, most of them are completely free.

1. Startup advice

Gov.uk provides a range of business and financial support options, including advice on writing a business plan. help with finance and support, loans and Growth Voucher opportunities.

The government’s Growth Accelerator scheme is also well worth checking out. Eligible small businesses can access coaching and advice, as well as up to £2,000 of match funding per senior manager involved in the strategic direction of the business.

The government isn’t the only place you can find funding for your business more funding info here .

Startup Britain is characterised as a “national campaign by entrepreneurs for entrepreneurs” and provides free events and advice for budding businesses. They also work with the government in order to create better initiatives and funding options for startups, which aims to give small businesses the opportunity to have their say.

99u is online portfolio company, Behance’s effort to “make ideas happen”. The site offers a selection of articles, videos and advice on innovation and creative thinking. If you’re feeling a little depleted and you need some business motivation, 99u is a great place to start.

2. HR advice for small business

ACAS provides information, advice, training and other services for employers and employees relating to employment and HR issues. As well as advice and training, ACAS also offers online modules to help you achieve the ‘model workplace’ and get to grips with employment law.

Early conciliation is a particularly useful section of the ACAS site if you find yourself in a workplace dispute. The free service offers the opportunity to resolve issues without having to go to an employment tribunal.

HR Zone has a decent mix of informative blog posts, white papers and employment law features. They also have a library and online resource centre, which offers a 14 day free trial for all new members. It is free to join and you will be alerted of all up-and-coming events near your area.

Human Resource Solutions support small businesses who may not have the capital or need to hire HR professionals. The website offers professionally written free resources, as well as downloadable HR policies and procedures templates.

3. Accounting advice

J4b provides funding and grant information to startups and small businesses. The site also offers advice and guidance on relevant awards and tax relief and is easier to navigate than HMRC.

HMRC is the almighty ruler of all British tax issues and has all of the financial information required to set up your business and manage your finances. It is not the easiest website to navigate so here are some of the most useful areas for you:

  • Starting a business Help and support for new businesses, including what you need to register to get set up, limited company, VAT, PAYE for employers, record keeping ect.
  • Corporation tax Information on how to register, calculate and manage your corporation tax.
  • Import and export Tax laws on international trade, import control system and how to apply.

The new HMRC section on the gov.uk website is much more user friendly.

4. Business mentoring services

Horsesmouth describes itself as “the social network for informal mentoring” and offers the opportunity to sign up to have or be a mentor. They have a specific section on starting a business where you can search for mentors on a variety of subjects including, interviewing, managing people, business plan and investment.

Mentorsme is designed to help you find a business mentor as quickly and easily as possible. You can also find a range of useful resources on their website, including accounting a business advice, better financial control and how to complete a lending request.





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


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

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

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

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

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

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

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

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Where to Find Small-Business Funding #business #report

#small business funding

#

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Where to Find Small-Business Funding

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

So you’ve had an entrepreneurial breakthrough. Your research shows your idea is sound, and you’ve detailed all its nuances in a comprehensive business plan. You know how to spread the word about your new venture and how you’ll plan for future growth.

Now, how are you going to fund it?

Traditional small-business funding took a hit during the financial crisis, with banks opting for bigger, more secure investments over small-business ventures. Data from the Federal Deposit Insurance Corp. show small-business lending hasn t returned to pre-recession levels; loans of $100,000 to $250,000 have fallen 22% since 2007.

But it s still possible to get the capital you need to launch, maintain or grow your business. And once you identify small-business funding that s right for you, there are steps you can take to increase your chances of getting a business loan .

5 ways to fund your small business

1. If you have an established business, collateral, strong credit and finances:

Banks. Traditional banks are still a great starting point and can help you figure out where you stand in terms of funding. Even if your business doesn t have a strong enough track record and enough assets as collateral to qualify for a loan, talking to someone at a traditional bank can help you figure out what documents you need and what your best options may be.

2. If your business falls just outside of a traditional bank’s strict lending criteria:

SBA. The U.S. Small Business Administration offers lenders, almost exclusively banks, a federal guarantee on your loan, making it less risky for them to lend you the funds you need to be successful. In doing so, the SBA also connects you with favorable rates offered by traditional lenders. And unlike most bank loans, you can use an SBA loan to start a business. However, the application process isn t easy, and you can find yourself trapped under a heap of documents while you work through the appropriate forms. Online lender SmartBiz provides a more streamlined application process, originating SBA loans faster than traditional banks.

3. If you have bad personal credit, need cash fast or don’t want to wait for a bank loan:

Online alternative lenders. With traditional banks limiting access to capital, alternative lenders have seen an increase in popularity. A report by Morgan Stanley predicts they’ll provide 16% of small-business loans by 2020. They are particularly useful for owners struggling with bad credit or those in need of fast cash. with several online lenders able to turn around funding within 24 hours. Peer-to-peer lenders are among the alternatives; these lenders cut out the traditional middleman — such as a bank — to connect borrowers with individual and institutional investors. The cost of borrowing, however, is much higher; some charge annual percentage rates over 100%. Still, alternative lenders are a good option when the bank says no.

4. If you think your product can capture the interest of the public:

Crowdfunding. Crowdfunding sites such as Kickstarter rely on investors to help get an idea or business off the ground, often rewarding them with perks or equity in exchange for cash. Although the popularity of these services has increased in recent years (the SBA even offers an online course in crowdfunding), there are caveats. For one, your product or company has to be intriguing enough catch the eye of multiple investors. With equity crowdfunding, there are strict securities laws and rules to follow for investors and entrepreneurs alike.

5. If you have an existing membership and like a personal touch:

Credit unions. Like banks, credit unions offer favorable rates and loans backed by the SBA. But unlike banks, credit unions have increased their small-business lending 60% since 2008, according to the National Association of Federal Credit Unions. Though you’ll likely have to be a member, the co-op nature of credit unions often ties them to the community, so you may also reap the benefits of more personal relationships and name recognition.

Find and compare small-business loans

NerdWallet has come up with a comparison tool for the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and filtered them by categories that include your revenue and how long you’ve been in business.

To get more information about funding options and compare them for your small business, visit NerdWallet ssmall-business loanspage. For free, personalized answers to questions about financing your business, visit theSmall Businesssection of NerdWallet’s Ask an Advisor page.

This post has been updated. It was originally published Oct. 29, 2014.

Image via iStock.

You may also like





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


#

Free Unlimited Hosting cPanel

Free Unlimited WHM Reseller Hosting

Free Domain Name !

Free VPS Hosting (90 Days)!

OHosti Powerful Features!

Free Unlimited Web Hosting Features :

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

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

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

What is our free reseller hosting included?

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

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

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

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

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

Frequently Asked Questions?

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

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

How long will your hosting be free?

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

What are your guarantees?

1. Our hosting will always be 100% free!

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

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

Free Domain Name Privacy

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

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

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

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

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

Create New Website?

Build your website in 4 easy steps:

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

How To Get A VA Loan With Bad Credit – VA Home


#

How To Get A VA Loan With Bad Credit

Contrary to popular belief, VA loans for those with bad credit are actually easy to qualify for if 1) you have no outstanding collections, 2) no outstanding judgements, 3) stable income, 4) a median credit score of 620 or higher. This is because VA loans were designed to be a benefit to the borrower.

The VA Home Loan Program was created in 1944 as a thank you for service personnel returning from World War II. This home loan guarantee is designed to make buying a home easy, affordable, and safe.

The easy part of the design is to make the loan accessible to borrowers with less than perfect credit.

One of the main purposes of the program was to cut the common hassles of obtaining a home loan such as good credit, down-payment, closing costs, etc.

Many veterans who have spent time overseas lack positive credit. Others lacked the funds for a down-payment. To change this, the government found that one of the best way to assist veterans after their completed service was to help them get a farm or a home.

A few changes have occurred over the years, including an increase in the amount veterans may borrow and the ability for active duty to apply to get a VA home loan .

The maximum $0 down loan limit currently varies between $417,000 to over $625,000 depending on what county you plan to buy in.

The VA Loan Program gives lenders the assurance that the loan will be paid for and gives veterans the support needed to obtain a house.

The credit needed to obtain VA loans is determined by a few key factors. The most important of those are satisfactory payment history, and present and/or anticipated income. This means that your income needs to be stable and enough to cover all current bills, give you enough disposable income to meet the VA standards for cost of living plus the additional VA loan mortgage payment.

Stable income is equivalent to 24 months of consistent employment. If the time of employment is less than this, the underwriter will have to evaluate the probability of your future employment. In most areas, the FICO Credit Score must be a least 620.

However, there are VA loans for some borrowers who have no credit score or even a score less than 620. If you are without credit, qualification is determined based on past payment history of rent, car insurance and other regular monthly expenses.

To be deemed a borrower with satisfactory credit a number of factors will be analyzed. Over the past year, you may not have made any late payments. If there are any unpaid or untimely debts, your credit may be deemed unsatisfactory.

Late payments however, will not result in an automatic denial. If you have a special circumstance, this rule can be forgiven. If you have any open collection accounts you may still be considered eligible, as long as there is a timely payment plan in place. If you are participating in a Consumer Credit Counseling program or are in a Chapter 13 bankruptcy. in lieu of negative credit ratings, this actually can be a positive factor. The important thing is that you are currently on a regular, consistent payment schedule, and those payments are being made on time.

In regards to a Chapter 7 bankruptcy. if it has been over two years since the bankruptcy was discharged or forgiven, the bankruptcy will not play a factor in determining satisfactory credit.

As mentioned before, a Chapter 13 does not have to be discharged, and you may still qualify even in Chapter 13 bankruptcy, as long as you repaying your debt as agreed.

Also, it will not count against you if you filed bankruptcy due to circumstances out of your control (such as a medical issue not covered by insurance).

Lastly, it s not a negative factor if bankruptcy was filed due to a failed self-employed business venture if the borrower has regained employment, and there is no derogatory credit information since then or prior to self-employment.

Finally, to ensure acceptable credit, you can t have too many inquiries on your credit report. In doing so, the credit rating drops dramatically. In addition to the low score, multiple credit inquires can look like new credit lines and this can affect your ability to repay the debt. Because of this, multiple credit inquires can cause delays in your loan approval.

The last thing you need to know to get a VA loan, you need to be sure there aren t any savings or checking overdraft fees. If you are a veteran in the market for buying a house, take the time to fill out a VA loan application or call 888-573-4496 to get assistance. The VA home loan centers are here to help you learn all you want to know about the VA loan process.


Where to Find Startup Business Loans 2016 #business #startup #loan

#start up business loans

#

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Where to Find Startup Business Loans 2016

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Money is a big worry when you’re starting a small business.

Established companies have a wider range of business loan options with the growth of alternative lending. But startups face higher hurdles to funding. So we’ve rounded up half a dozen financing options for new entrepreneurs to help you get your business underway:

1. Microloans and loans from nonprofits

Microlenders and nonprofit lenders are two good financing options, especially if you have shaky finances. Generally, you’ll get solid loan terms from these lenders, making it possible for you to grow your business and establish better credit.

Many microlenders and nonprofit lenders are also focused on helping minority or traditionally disadvantaged small-business owners, as well as small businesses in communities that are struggling economically. And these organizations are willing to work with aspiring entrepreneurs with poor credit.

The U.S. Small Business Administration also has a microloan program that offers loans of up to $50,000 to small businesses and some not-for-profit childcare centers. The average SBA microloan is about $13,000. Here is a list of providers .

The downside of the microloan is the “micro” part: Funding may not be sufficient for all borrowers.

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2. Friends and family

Perhaps the most common way of financing a new small business is to borrow money from friends or family. Of course, if your credit is bad — and your family and friends know it — you ll have to persuade would-be lenders that you’ll be able to pay them back.

In these situations, the potential cost of failure is not just financial but also personal.

“Business is personal regardless of what people say,” David Nilssen, CEO of small-business financing company Guidant Financial, tells NerdWallet. “For most people, it’d be difficult to separate the two.”

Trim your list of friends and family to just those who understand your plans, and do your best to make certain they are comfortable with the risks involved.

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3. Credit cards

Many small-business owners use a credit card to start a small business. If your credit isn’t stellar, your choices may be limited to secured credit cards. which typically have higher fees than regular credit cards.

It’s important to remember, however, that credit cards are an expensive way of financing a small business, particularly if you have bad credit. That’s because card issuers determine annual percentage rates based largely on your personal credit score. Also, research has shown that small businesses that rely too heavily on credit card financing typically fail.

SHOP SMART FOR THE BEST CREDIT CARDS

4. Personal loans

Many new small-business owners also access financing through personal loans, especially through a growing number of online lenders. But like credit cards, personal loans usually have high APRs, especially for bad credit borrowers.

For example, you could get a personal loan that could be used for starting a business from companies such as Peerform and Vouch. Both lenders have a minimum credit score requirement of 600, but their loans have APRs as high as 30%.

Nilssen says small-business owners should consider personal loans “an option of last resort.”

“Where they can work,” he says, “is when a business just needs a small amount of money for things like early-stage production or buying equipment.”

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5. Crowdfunding

Crowdfunding has become a popular method of raising funds to start a small business, thanks to such sites as Kickstarter and Indiegogo, which let you launch online campaigns to solicit funds. Instead of paying back your donors, you give them gifts, which is why this system is also called rewards crowdfunding.

New avenues are also opening up for equity crowdfunding, in which you tap a public pool of investors who agree to finance your small business in exchange for equity ownership. This became an even broader option recently with new securities regulations that allowed small-business owners to reach out to mom-and-pop investors, not just accredited investors.

Crowdfunding is good for the entrepreneur “who has a product and wants to test the market and validate the opportunity,” Nilssen says. “No credit necessary.”

[back to the top]

6. Grants

Grants from private foundations and government agencies are also a way to raise startup funds for your small business. They’re not always easy to get, but free capital may be worth the hard work for some new businesses.

Startup business loans: Compare your options

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Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .





Where is my student loan #where #is #my #student #loan


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This Loan Payment Calculator computes an estimate of the size of your monthly loan payments and the annual salary required to manage them without too much financial difficulty. This loan calculator can be used with Federal education loans (Stafford, Perkins and PLUS) and most private student loans. (This student loan calculator can also be used as an auto loan calculator or to calculate your mortgage payments.)

This loan calculator assumes that the interest rate remains constant throughout the life of the loan. The Federal Stafford Loan has a fixed interest rate of 6.8% and the Federal PLUS loan has a fixed rate of 7.9%. (Perkins loans have a fixed interest rate of 5%.)

This loan calculator also assumes that the loan will be repaid in equal monthly installments through standard loan amortization (i.e. standard or extended loan repayment). The results will not be accurate for some of the alternate repayment plans, such as graduated repayment and income contingent repayment.

Loan fees are used to adjust the initial loan balance so that the borrower nets the same amount after the fees are deducted.

Some educational loans have a minimum monthly payment. Please enter the appropriate figure ($50 for Stafford Loans, $40 for Perkins Loans and $50 for PLUS Loans) in the minimum payment field. Enter a higher figure to see how much money you can save by paying off your debt faster. It will also show you how long it will take to pay off the loan at the higher monthly payment. You can also calculate private student loan eligibility on comparison sites like Credible.

The questions concerning enrollment status, degree program and total years in college are optional and are designed to evaluate whether the total debt is excessive. The total years in college should include the total number of years in college so far (or projected) corresponding to the loan balance, including previous degrees received.

Copyright 2017 FinAid Page, LLC. All rights reserved.
Mark Kantrowitz, Founder
www.FinAid.org


Where to Find Smart Short-Term Business Loans #stock #market #websites

#short term business loans

#

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Where to Find Smart Short-Term Business Loans

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Short-term business loans can get you the funds you need to overcome cash flow gaps, handle emergencies and unexpected expenses or finance a small expansion.

These loans and lines of credit typically come in amounts from $5,000 to $250,000, carry short repayment terms of a few months to several years, have looser qualifications than long-term loans and provide cash quickly.

Because short-term business loans generally have high borrowing costs, the smartest approach is to choose financing with the lowest annual percentage rate you can qualify for. Lines of credit are more flexible and generally have shorter repayment periods, while loans tend to offer a longer term.

Repaying a short-term business loan on time can help you qualify for a long-term business loan in the future. Long-term loans typically come in amounts from $250,000 to $1 million or more, are less expensive and have a repayment period of five to 15 years or longer, making them better suited to a real estate purchase, business acquisition or debt refinancing.

Short-term lines of credit: Kabbage and Dealstruck

With Kabbage’s line of credit, you borrow only the money you need and pay fees just on the money you borrow. That flexibility makes it a better option for managing cash flow than for a larger expense such as an expansion. You repay each draw on the line of credit over six or 12 months.

It’s also fairly easy to qualify (take a look at minimum qualifications below) and a good option for borrowers with bad credit. Although Kabbage does check your credit scores, it doesn’t weigh them as heavily as other factors, such as your average monthly revenue.

The pitfalls of short-term business loans

Of course, there are a few disadvantages to short-term business loans that small-business owners should keep in mind:

Higher cost: They typically carry a higher APR — the total annual cost of borrowing, including all fees and interest — than long-term loans. That’s due to their shorter repayment period, faster funding, looser qualifications (lower credit score and revenue requirements) and the fact that many are unsecured business loans. which don’t require collateral.

More frequent repayments: Lenders may require you to make loan payments daily or weekly as opposed to monthly. Although these payments are smaller, they can be an issue for businesses that have uneven sales or those that don’t always hold much cash in a bank account. You’ll have to make sure you have enough money in your account to make the payments at all times, or you’ll risk incurring fees or defaulting on the loan.

Risk of debt trap: The speed and ease of short-term business loans can become addictive. Instead of repaying the debt in full, business owners may be enticed to refinance and roll over the debt into a new loan. But this can result in a debt trap: continual refinancing just to keep up with payments. This is a common issue with merchant cash advances. a costly form of short-term financing that can carry an APR over 300%. If you have several high-interest small-business loans, business debt consolidation may be the solution you need.

Find and compare the best small-business loans

NerdWallet has created a comparison tool of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

This article was updated June 21, 2016. It was originally published Jan. 12, 2016.

To get more information about funding options and compare them for your small business, visit NerdWallet’s small-business loans tool. For free, personalized answers to questions about financing your business, visit the Small Business section of NerdWallet’s Ask an Advisor page.

You may also like

Lender reviews

See how different lenders stack up in NerdWallet’s expert reviews

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

2016 NerdWallet, Inc. All Rights Reserved

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .





Alcoholic fermentation, of sugar into CO2 and alcohol #where #does #alcoholic #fermentation


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Alcoholic fermentation by yeast cells

In brewing, alcoholic fermentation is the conversion of sugar into carbon dioxide gas (CO2) and ethyl alcohol. This process is carried out by yeast cells using a range of enzymes. This is in fact a complex series of conversions that brings about the conversion of sugar to CO2 and alcohol. Yeast is a member of the fungi family which I like to think of as plants but strictly they are neither plant nor animal. To be specific yeast is a eukaryotic micro-organism. Not all yeasts are suitable for brewing. In brewing we use the sugar fungi form of yeast. These yeast cells gain energy from the conversion of the sugar into carbon dioxide and alcohol. The carbon dioxide by-product bubbles through the liquid and dissipates into the air. In confined spaces the carbon dioxide dissolve in the liquid making it fizzy. The pressure build up caused by C02 production in a confined space can be immense. Certainly enough to cause the explosion of a sealed glass bottle. Alcohol is the other by-product of fermentation. Alcohol remains in the liquid which is great for making an alcoholic beverage but not for the yeast cells, as the yeast dies when the alcohol exceeds its tolerance level.

Overall chemistry of fermentation

The overall process of fermentation is to convert glucose sugar (C 6 H 12 O 6 ) to alcohol (CH 3 CH 2 OH) and carbon dioxide gas (CO 2 ). The reactions within the yeast cell which make this happen are very complex but the overall process is as follows:

C 6 H 12 O 6 ==== 2(CH 3 CH 2 OH) + 2(CO 2 ) + Energy (which is stored in ATP)
Sugar ==== Alcohol + Carbon dioxide gas + Energy
(Glucose) (Ethyl alcohol)

From the above it seems nice an simple chemistry one mole of glucose is converted into two moles of ethanol and two moles of carbon dioxide but in reality it is far from this clear. There are many by products. In addition to CO2 and alcohol, the sugar is incorporated into other by products such as yeast biomass, acids (pyruvic, acetaldehyde, ketoglutaric, lactic), glycerol. Hence if you read many home brewing books there is a table estimating the conversion of sugar into alcohol. These tables tend to be derived from measurements rather than a set formula. The efficiency of the yeast and fermentation conditions alters the proportions of various by-products meaning a simple single formula is not available. Wine makers will see different efficiencies to beer makers. Fermentation conditions such as temperature vary the production of by products. This knowledge is used by wine makers to get fuller bodied wines by brewing in conditions that causes fermentation to produce more of the by-product glycerol.

Fermentation by-product Glycerol gives wine its body. From time to time you read in the press a very shocking tale of people adding anti-freeze to wine but this statement on its own does not tell you the full extent of the danger. Bear in mind Glycerol can be used as an anti-freeze and is a natural by product of fermentation but not all anti-freeze use glycerol, most use very toxic alternatives. So the statement Anti-freeze added to wine does not tell you if highly toxic chemicals were added or just Glycerol to supplementing the natural Glycerol content. In fact Glycerol is used in health foods and is essential in fine wines. Wine produced in conditions where there was low production of the glycerol by-product can tempt the producer to add something to boost the wine s body. Adding food grade Glycerol to boost a wine s body is not ideal but no need for panic as glycerol is natural and is often used in food products. Adding toxic anti-freeze to boost a wine s body can and does kill people.

Note: The sugars used can be a range of fermentable sugars. These sugars are converted by enzymes to glucose which is then converted to alcohol and CO2. Some sugars are not able to be fermented and will remain in the liquid.

Fermentation and yeast in brewing

Brewer s yeast tolerate up to about 5% alcohol. Beyond this alcohol level the yeast cannot continue fermentation. Wine yeast on the other hand tolerates up to about 12% alcohol. The level of alcohol tolerance by yeast varies from 5% to about 21% depending on yeast strain and environmental conditions.
The fermentation process has limits such as temperature. Greater than 27C kills the yeast less and than 15C results in yeast activity which is too slow.
Not all sugars are fermentable. Non fermentable sugars in solution will remain after fermentation and will result in a sweeter end product. Malt has non fermentable sugars which can be used to balance the bitterness of the hops. The amount of sugar in the solution can be too much and this can prevent fermentation. Some wine recipes suggest adding the sugar in parts throughout fermentation rather that all at the beginning. This is especially true if the brew is aimed at producing a high level of alcohol. Some yeast strains have evolved to handle higher sugar levels. Yeast such as Tokay and Sauterne handle high levels of sugar. The normal, home brewing, fermentation is in two parts.
Part 1
Aerobic (Oxygen is present)
This is the initial rapid process where the yeast is doubling its colony size every four hours.
(Usually 24-48 hours)

Part 2
Anaerobic. (No oxygen present)
Slower activity and the yeast focuses on converting sugar to alcohol rather that increasing the number of yeast cells.
(This process can take from days to weeks depending on the yeast and the recipe)

Why does yeast stop working at certain levels of alcohol?

The ability of yeast cells to convert sugar into Carbon dioxide and Alcohol is down to enzymes. Several enzymes are involved each does its step in the process. The final step is Zymase reduction which takes the end product of the other enzymes (acetaldehyde/glycerol), and turns this into good old ethyl alcohol. Sadly high concentrations alcohol actually destroys enzymes and kills the yeast cell. Different strains of yeast can tolerate different concentrations of alcohol. Brewers yeast cannot withstand much beyond 5 or 6% Alcohol by volume. Wine yeast is more tolerant at a range of 10-15%
Specially cultured strains of yeast with the correct environment can withstand alcohol levels up to 21% alcohol.

Our NEW! LinkedIn group Fermentation Specialists

Specifically for Fermentation professionals and students. A place to share knowledge, ask questions and get involved in discussions.

Jobs and Product Promotion tabs for you to use. Be an early joiner and help make this group world class.


Where to Find Smart Short-Term Business Loans #business #cards #designs

#short term business loans

#

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Where to Find Smart Short-Term Business Loans

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Short-term business loans can get you the funds you need to overcome cash flow gaps, handle emergencies and unexpected expenses or finance a small expansion.

These loans and lines of credit typically come in amounts from $5,000 to $250,000, carry short repayment terms of a few months to several years, have looser qualifications than long-term loans and provide cash quickly.

Because short-term business loans generally have high borrowing costs, the smartest approach is to choose financing with the lowest annual percentage rate you can qualify for. Lines of credit are more flexible and generally have shorter repayment periods, while loans tend to offer a longer term.

Repaying a short-term business loan on time can help you qualify for a long-term business loan in the future. Long-term loans typically come in amounts from $250,000 to $1 million or more, are less expensive and have a repayment period of five to 15 years or longer, making them better suited to a real estate purchase, business acquisition or debt refinancing.

Short-term lines of credit: Kabbage and Dealstruck

With Kabbage’s line of credit, you borrow only the money you need and pay fees just on the money you borrow. That flexibility makes it a better option for managing cash flow than for a larger expense such as an expansion. You repay each draw on the line of credit over six or 12 months.

It’s also fairly easy to qualify (take a look at minimum qualifications below) and a good option for borrowers with bad credit. Although Kabbage does check your credit scores, it doesn’t weigh them as heavily as other factors, such as your average monthly revenue.

The pitfalls of short-term business loans

Of course, there are a few disadvantages to short-term business loans that small-business owners should keep in mind:

Higher cost: They typically carry a higher APR — the total annual cost of borrowing, including all fees and interest — than long-term loans. That’s due to their shorter repayment period, faster funding, looser qualifications (lower credit score and revenue requirements) and the fact that many are unsecured business loans. which don’t require collateral.

More frequent repayments: Lenders may require you to make loan payments daily or weekly as opposed to monthly. Although these payments are smaller, they can be an issue for businesses that have uneven sales or those that don’t always hold much cash in a bank account. You’ll have to make sure you have enough money in your account to make the payments at all times, or you’ll risk incurring fees or defaulting on the loan.

Risk of debt trap: The speed and ease of short-term business loans can become addictive. Instead of repaying the debt in full, business owners may be enticed to refinance and roll over the debt into a new loan. But this can result in a debt trap: continual refinancing just to keep up with payments. This is a common issue with merchant cash advances. a costly form of short-term financing that can carry an APR over 300%. If you have several high-interest small-business loans, business debt consolidation may be the solution you need.

Find and compare the best small-business loans

NerdWallet has created a comparison tool of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

This article was updated June 21, 2016. It was originally published Jan. 12, 2016.

To get more information about funding options and compare them for your small business, visit NerdWallet’s small-business loans tool. For free, personalized answers to questions about financing your business, visit the Small Business section of NerdWallet’s Ask an Advisor page.

You may also like

Lender reviews

See how different lenders stack up in NerdWallet’s expert reviews

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

2016 NerdWallet, Inc. All Rights Reserved

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .





Bad Credit? Where to Find Business Loans #e #business

#bad credit business loans

#

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Bad Credit? Where to Find Business Loans

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Bad credit is a red flag for lenders. It indicates you’ve either mismanaged your personal finances or fallen on hard times. Either way, lenders see you as higher risk — more likely to miss payments or default on a loan than a borrower with good credit.

Bad credit (defined by FICO as a score of 300 to 629) is one reason loan applications are rejected; the approval rate of business loans from big banks was just 23.3% as of June 2016, according to Biz2Credit. But alternative lenders provide options. They emphasize the strength and operating history of your business rather than your credit. Be sure to carefully compare all of your choices, weighing terms and annual percentage rate.

Here are some options:

Note: If you’re a startup less than a year old, it’ll be tough to find a loan, no matter your credit. Here are financing ideas to help you launch your company.

If your personal credit score is under 500

With a score below 500, your best bet is likely a lender with no minimum credit score. Many lenders require a minimum score to qualify, but Fundbox and Kabbage don’t. Both are good, although pricey, choices for bad-credit borrowers who need short-term working capital up to $100,000. Fundbox, however, is only for businesses with unpaid customer invoices. There’s no minimum revenue with Fundbox and no credit check. For Kabbage’s line of credit, you need least $50,000 in annual revenue and one year in business.

If your personal credit score is 500 or higher

With a personal credit score of at least 500 or 530, you could qualify for OnDeck or BlueVine. OnDeck is for businesses that have at least $100,000 in annual revenue and is better if you need cash for an expansion (such as purchasing equipment or making renovations). The lender reports payment activity to the three credit bureaus, so paying off your loan on time will help build your credit score. If your score is at least 530 and your business has unpaid customer invoices, consider BlueVine invoice factoring.

Good option for:

• Fast cash
• Inventory
• Expansion

• Fast cash
• Working capital
• Businesses with unpaid invoices

500+ credit score
• $100,000+ revenue
• No personal bankruptcies in past 2 years

530+ credit score
• Must have unpaid customer invoices
• $120,000+ annual revenue
• 3+ months in business

If your personal credit score is 600 or higher

Because your score is at least 600, you can turn to Dealstruck or StreetShares for financing. For larger amounts of funding and lower borrowing costs, consider Dealstruck, as it has term loans and lines of credit up to $500,000 with APRs from 10% to 28%. However, you’ll also need strong minimum annual revenue of $150,000 to qualify. If you have $25,000 or more in revenue, StreetShares is an option. Its loans max out at $100,000 with 9% to 40% APR.

Good option for:

• Expansion, inventory purchases
• Businesses with unpaid invoices

• Young businesses
• Veterans

600+ credit score
• $150,000+ annual revenue
• 1+ year in business

600+ credit score
• $25,000+ annual revenue
• 1+ year in business, unless you already have $100,000 revenue (drops to six months)





Where Can I Find Miami Nursing Schools? #nursing #schools #in #miami, #where


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Where Can I Find Miami Nursing Schools?

Learn about nursing schools in Miami, Florida. See degree options, program requirements and courses, and discover what unique educational experiences each school can offer. Schools offering Nursing degrees can also be found in these popular choices.

In the Miami area, there are many associate’s, bachelor’s, and master’s degree programs in nursing available. This article looks at programs at four schools. Continue reading to see how each school presents its curriculum and what specializations are offered.

What You Need to Know

If you’re interesting in a career as a registered nurse, you could begin working in the field after earning an associate’s degree at a community college. These programs take about two years to complete and include general education requirements in addition to the nursing courses.

Bachelor’s degree programs are also available in different forms. Some are designed to help nurses with an associate’s degree earn their bachelor’s for advancement at work. Others are for students fresh out of high school or for those with a degree in another field.

If you’re considering supervising other nurses, working as a nurse practitioner or teaching in a nursing program, you might consider a master’s degree. These programs take between 1.5 and 2.5 years to complete, depending on your focus.

Nursing Associate’s Degree Programs in Miami

City College – Miami

You can earn an associate’s degree in nursing at City College’s Miami or Fort Lauderdale campuses. In this program, you’ll master technical nursing skills, including setting intravenous lines and administering medication. The program is based on holistic care and promotion of wellness and emphasizes cultural sensitivity. You’ll learn through classroom courses in general nursing as well as specialties such as obstetric and pediatric nursing. Hands-on experience at local health care facilities, supervised by registered nurses in these specialty areas, is meant to enhance your education.

  • Program Name: Associate of Science in Nursing
  • Program Length: 2+ years
  • Tuition and Fees: $13,068 per year (2015-2016)
  • Requirements: Score of at least 11 on the Test of Adult Basic Education (TABE); passing score on Kaplan Admissions Exam in science, reading, math and writing; required immunizations and physical exam; personal health insurance; criminal background check
  • School Type: 4-year, primarily associate’s, private, not-for-profit; 263 undergraduates

Miami Dade College

Miami Dade College offers several options to earn an associate’s degree in nursing. If you have no previous health care education, you must enroll in the generic program. If you hold a license or certification in certain health care professions, such as practical nursing, you can earn a degree through the bridge program. If you already have a bachelor’s degree and want to earn your nursing associate’s in just three semesters, you can enroll in the accelerated program. The generic and bridge programs are offered both on a full- and part-time basis. Coursework in all these programs includes classes and clinical experience in local health care facilities. All three programs are taught at the Medical Center and the Homestead campuses, and the generic option is also offered at Baptist Hospital.

  • Program Name: Associate in Science in Nursing
  • Program Length: Generic, 2 years; bridge, 1.5 years full-time or 3 years part-time; accelerated, 1.5 years
  • Tuition and Fees: $2,834 per year for in-state students; $9,661 per year for out-of-state students (2015-2016)
  • Prerequisites: English composition, critical thinking and ethics, algebra, speech, growth and development, human anatomy and physiology, chemistry for health sciences, microbiology, introduction to microcomputers
  • Requirements: Bridge program: certification or licensure as a paramedic, respiratory therapist, military medic, practical nurse or medical assistant; accelerated program: bachelor’s degree in any subject
  • School Type: 4-year, primarily associate’s, public; 66,046 undergraduates

Nursing Bachelor’s Degree Programs in Miami

Barry University

Barry University offers a traditional BSN as well as an accelerated option if you already hold a bachelor’s degree that’s not in nursing. There is an RN-to-BSN program that trains students with an associate’s degree or diploma in nursing and a program for licensed practical nurses who want to earn a bachelor’s degree. You’ll learn nursing skills and theory in a program that emphasizes care based on a Judeo-Christian philosophy. Miami is one of the nation’s most culturally diverse areas, and you’ll work with members of many of these communities in your training.

  • Program Name: Bachelor of Science in Nursing (BSN)
  • Program Length: Traditional option, 2 years; accelerated option, RN-to-BSN, 15 months (after admission to nursing program)
  • Tuition and Fees: $28,800 per year (2015-2016)
  • Requirements: Minimum 3.2 cumulative GPA; minimum grade of ‘C’ in all liberal arts courses, science courses and therapeutic nutrition, plus courses in developmental psychology and probability statistics
  • School Type: 4-year, private not-for-profit; 3,996 undergraduates, 4,522 graduate students

University of Miami

At the University of Miami, you’ll earn your degree while using modern facilities and the latest technology at the International Academy of Clinical Simulation. This emphasis on technology extends to the classrooms and computer labs. You’ll gain experience working with real patients at local health care facilities. The School of Nursing and Health Studies is one of the few nursing schools in the country that admits freshmen. Several degree options are offered. You can pursue a traditional BSN if you have no previous health care education. If you hold a bachelor’s or higher degree in another subject, you can earn your BSN through an accelerated program. Registered nurses with a diploma or associate’s degree can enter the RN-to-BSN program.

  • Program Name: Bachelor of Science in Nursing
  • Program Length: Traditional program, 4 years; RN-to-BSN, 3 semesters; accelerated BSN, 1 year
  • Tuition: $45,724 per year (2015-2016)
  • Requirements: Must be a registered nurse with a diploma or associate’s degree, RN-to-BSN program; must have a baccalaureate degree, accelerated BSN
  • School Type: 4-year, private, not-for-profit; 11,175 undergraduates, 5,499 graduate students

Nursing Master’s Degree Programs in Miami

Barry University

Barry University’s MSN program can train you for leadership roles in several areas. The executive leadership program teaches nurses the analytical and organizational skills to be administrators. In the educator specialty program, you’ll learn about research and scholarly writing as well as teaching in the classroom and in a workplace setting. If you want to become a nurse practitioner, you can choose from family nurse and acute care specialty programs that meet national nurse practitioner standards.

  • Program Name: Master of Science in Nursing (MSN)
  • Specializations: Executive leadership, educator, acute care nurse practitioner, family nurse practitioner
  • Program Length: Acute care and family nurse practitioner, 3 years; executive leadership and nurse educator, 2.5 years
  • Tuition and Fees: $17,820 per year (2015-2016)
  • Requirements: BSN or a bachelor’s degree in another field; Florida nursing license
  • School Type: 4-year, private, not-for-profit; 3,996 undergraduates, 4,522 graduate students

University of Miami

A master’s degree program at the University of Miami’s School of Nursing and Health Sciences can train you as an advanced practice nurse. Your lecture classes will be held at the Coral Gables campus and the downtown Miami medical campus. You’ll gain clinical experience through the university health system and other health care facilities in the area. Many programs offer full-time and part-time programs of study to accommodate working nurses.

  • Program Name: Master of Science in Nursing
  • Specializations: Nurse anesthesia, acute care/adult nurse practitioner, family nurse practitioner, nurse midwifery, nurse education
  • Program Length: Nurse anesthesia, 2.5 years; acute care/adult nurse practitioner, family nurse practitioner, 1 or 2 years; nurse midwifery, 1.5 years; nurse education, just over 1.5 years
  • Tuition and Fees: $34,248 per year (2015-2016)
  • Prerequisites: Bachelor’s degree (BSN preferred); introductory statistics course
  • School Type: 4-year, private, not-for-profit; 11,175 undergraduates, 5,499 graduate students

To summarize, for those in the Miami area looking for a nursing program, there are degrees available from associate’s to master’s, depending on the student’s experience level and ultimate career goals.

To continue researching, browse degree options below for course curriculum, prerequisites and financial aid information. Or, learn more about the subject by reading the related articles below:


Where can you go for the best business advice? #starting #a #business

#small business advice

#

Where can you go for the best business advice?

Starting a business is an exhilarating experience but can also be quite treacherous, if you’re really sure where you’re going. Luckily there is a wealth of information out there to help you prepare. The only issue is, where to start?

Ever on the pilgrimage to make your business endeavors easier, we have collated a list of the best places to look for startup and small business advice. The best part is, most of them are completely free.

1. Startup advice

Gov.uk provides a range of business and financial support options, including advice on writing a business plan. help with finance and support, loans and Growth Voucher opportunities.

The government’s Growth Accelerator scheme is also well worth checking out. Eligible small businesses can access coaching and advice, as well as up to £2,000 of match funding per senior manager involved in the strategic direction of the business.

The government isn’t the only place you can find funding for your business more funding info here .

Startup Britain is characterised as a “national campaign by entrepreneurs for entrepreneurs” and provides free events and advice for budding businesses. They also work with the government in order to create better initiatives and funding options for startups, which aims to give small businesses the opportunity to have their say.

99u is online portfolio company, Behance’s effort to “make ideas happen”. The site offers a selection of articles, videos and advice on innovation and creative thinking. If you’re feeling a little depleted and you need some business motivation, 99u is a great place to start.

2. HR advice for small business

ACAS provides information, advice, training and other services for employers and employees relating to employment and HR issues. As well as advice and training, ACAS also offers online modules to help you achieve the ‘model workplace’ and get to grips with employment law.

Early conciliation is a particularly useful section of the ACAS site if you find yourself in a workplace dispute. The free service offers the opportunity to resolve issues without having to go to an employment tribunal.

HR Zone has a decent mix of informative blog posts, white papers and employment law features. They also have a library and online resource centre, which offers a 14 day free trial for all new members. It is free to join and you will be alerted of all up-and-coming events near your area.

Human Resource Solutions support small businesses who may not have the capital or need to hire HR professionals. The website offers professionally written free resources, as well as downloadable HR policies and procedures templates.

3. Accounting advice

J4b provides funding and grant information to startups and small businesses. The site also offers advice and guidance on relevant awards and tax relief and is easier to navigate than HMRC.

HMRC is the almighty ruler of all British tax issues and has all of the financial information required to set up your business and manage your finances. It is not the easiest website to navigate so here are some of the most useful areas for you:

  • Starting a business Help and support for new businesses, including what you need to register to get set up, limited company, VAT, PAYE for employers, record keeping ect.
  • Corporation tax Information on how to register, calculate and manage your corporation tax.
  • Import and export Tax laws on international trade, import control system and how to apply.

The new HMRC section on the gov.uk website is much more user friendly.

4. Business mentoring services

Horsesmouth describes itself as “the social network for informal mentoring” and offers the opportunity to sign up to have or be a mentor. They have a specific section on starting a business where you can search for mentors on a variety of subjects including, interviewing, managing people, business plan and investment.

Mentorsme is designed to help you find a business mentor as quickly and easily as possible. You can also find a range of useful resources on their website, including accounting a business advice, better financial control and how to complete a lending request.





How Can I Get an Alcoholic Into Treatment? #where #to #get #help


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How Can I Get an Alcoholic Into Treatment?

Updated January 12, 2017

Question: How Can I Get an Alcoholic Into Treatment?

Answer: If an alcoholic is unwilling to seek help, is there any way to get him or her into treatment?

This can be a challenging situation. An alcoholic cannot be forced to get help except under certain circumstances, such as when a violent incident results in police being called or following a medical emergency.

This doesn t mean, however, that you have to wait for a crisis to make an impact.

Based on clinical experience, many alcoholism treatment specialists recommend the following steps to help an alcoholic accept treatment.

According to the National Institute on Alcohol Abuse and Alcoholism these are things that you can do to encourage someone to enter rehab:

Stop all rescue missions. Family members often try to protect an alcoholic from the results of his or her behavior by making excuses to others about his or her drinking and by getting him or her out of alcohol-related jams. It is important to stop all such rescue attempts immediately so that the alcoholic will fully experience the harmful effects of his or her drinking — and thereby become more motivated to stop.

Time your intervention. Plan to talk with the drinker shortly after an alcohol-related problem has occurred–for example, a serious family argument in which drinking played a part or an alcohol-related accident.

Healthy Mind

Learn the best ways to manage stress and negativity in your life.

Also, choose a time when he or she is sober when both of you are in a calm frame of mind, and when you can speak privately.

Be specific. Tell the family member that you are concerned about his or her drinking and want to be supportive in getting help. Back up your concern with examples of the ways in which his or her drinking has caused problems for both of you, including the most recent incident.

State the consequences. Tell the family member that until he or she gets help, you will carry out consequences–not to punish the drinker, but to protect yourself from the harmful effects of the drinking. These may range from refusing to go with the person to any alcohol-related social activities to moving out of the house. Do not make any threats you are not prepared to carry out.

Be ready to help. Gather information in advance about local treatment options. If the person is willing to seek help, call immediately for an appointment with a treatment program counselor. Offer to go with the family member on the first visit to a treatment program and/or AA meeting.

Call on a friend. If the family member still refuses to get help, ask a friend to talk with him or her, using the steps described above. A friend who is a recovering alcoholic may be particularly persuasive, but any caring, nonjudgmental friend may be able to make a difference. The intervention of more than one person, more than one time, is often necessary to persuade an alcoholic person to seek help.

Find strength in numbers. With the help of a professional therapist. some families join with other relatives and friends to confront an alcoholic as a group.

While this approach may be effective, it should only be attempted under the guidance of a therapist who is experienced in this kind of group intervention.

Get support. Whether or not the alcoholic family member seeks help, you may benefit from the encouragement and support of other people in your situation. Support groups offered in most communities include Al-Anon, which holds regular meetings for spouses and other significant adults in an alcoholic s life, and Alateen, for children of alcoholics. These groups help family members understand that they are not responsible for an alcoholic s drinking and that they need to take steps to take care of themselves, regardless of whether the alcoholic family member chooses to get help.

For meeting locations, call your local Al-Anon chapter (check your local phone book under Alcoholism ) or check this page .

Show Full Article


Chevrolet Dealer Blue Springs MO New & Used Cars for Sale near


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  • Sales Department
  • Monday 8:30 am – 8:00 pm
  • Tuesday 8:30 am – 8:00 pm
  • Wednesday 8:30 am – 8:00 pm
  • Thursday 8:30 am – 8:00 pm
  • Friday 8:30 am – 6:00 pm
  • Saturday 8:30 am – 6:00 pm
  • Sunday Closed
  • Service Department
  • Monday 7:00 am – 7:00 pm
  • Tuesday 7:00 am – 7:00 pm
  • Wednesday 7:00 am – 7:00 pm
  • Thursday 7:00 am – 7:00 pm
  • Friday 7:00 am – 6:00 pm
  • Saturday 8:00 am – 4:00 pm
  • Sunday Closed
  • Parts Department
  • Monday 7:00 am – 7:00 pm
  • Tuesday 7:00 am – 7:00 pm
  • Wednesday 7:00 am – 7:00 pm
  • Thursday 7:00 am – 7:00 pm
  • Friday 7:00 am – 6:00 pm
  • Saturday 8:00 am – 4:00 pm
  • Sunday Closed

Molle Chevrolet located in Blue Springs, MO, near Kansas City, MO.

Visit Molle Chevrolet in Blue Springs, MO for the 2017 or 2018 Chevrolet.

Molle Chevrolet carries the following new Chevrolet models:

We Are Your Blue Springs, MO New and Certified Pre-owned Chevrolet Dealership near Kansas City, Lee’s Summit, Independence, Liberty, Olathe, Lenexa, Leawood, Shawnee, Belton, Grandview, Merriam, Lawrence, Raymore, Raytown.

Are you wondering, where is Molle Chevrolet or what is the closest Chevrolet dealer near me? Molle Chevrolet is located at 411 NW Mock Ave. Blue Springs, MO 64014. You can call our Sales Department at 877-855-7036, Service Department at 877-858-1287, or our Parts Department at 877-814-4850. Although Molle Chevrolet in Blue Springs, Missouri is not open 24 hours a day, seven days a week – our website is always open. On our website, you can research and view photos of the new Chevrolet models such as the Bolt EV, Camaro, Caprice, City Express Cargo, Colorado, Corvette, Cruze, Equinox, Express Cargo, Express Cutaway, Express Passenger, Impala, Malibu, Silverado 1500, Silverado 2500HD, Silverado 3500HD, Silverado 3500HD CC, Sonic, Spark, SS, Suburban, Tahoe, Traverse, Trax or Volt that you would like to purchase or lease. You can also search our entire inventory of new and used vehicles, value your trade-in, and visit our Meet the Staff page to familiarize yourself with our staff who are committed to making your visit to Molle Chevrolet a great experience every time.

New Chevrolet Models for Sale at Molle Chevrolet

Looking for a new 2017 or 2018 Chevrolet? Look no further than Molle Chevrolet in Blue Springs, Missouri. We offer a full lineup of new Chevrolet vehicles. Our knowledgeable Molle Chevrolet new car dealer staff is dedicated and will work with you to put you behind the wheel of the Chevrolet vehicle you want, at an affordable price. Feel free to browse our online inventory, request more information about our vehicles, or set up a test drive with a sales associate.

Used Cars, Trucks, and SUVs for Sale at Molle Chevrolet

As a leading Chevrolet dealer near Kansas City, Molle Chevrolet also has a wide variety of pre-owned cars, trucks, and SUVs for you to choose from. Each of our used vehicles has undergone a rigorous inspection to ensure the highest quality used cars, trucks, and SUVs in Missouri. Stop by Molle Chevrolet or search our online inventory to find the used car, truck, or SUV that is right for you. We have used cars, trucks, and SUVs for every need and budget. Our expert staff will work to get you in the vehicle you want for an affordable price.

Auto Finance, Loans, Leasing, and Pre-approvals

Visit our Molle Chevrolet finance page to get pre-approved today! The staff within our Finance Department is dedicated to putting you in the car you want, at a price you can afford. We also offer competitive auto leasing options for our customers who are not looking to purchase or finance a vehicle. Whether you are looking to finance or lease your new Chevrolet car, truck, or SUV, our finance experts will work to arrange affordable payments for our customers.

Auto Body Repair, Service, Parts, and Accessories

Our state-of-the-art Service Department here at Molle Chevrolet will keep your new Chevrolet vehicle or used car in excellent condition. The diagnostic equipment operated by our expert mechanics will detect any issues that may be occurring in your vehicle so that our Chevrolet trained service technicians can fix the problem right the first time. We offer all the auto services, maintenance, and parts you need to keep your vehicle running like new, even if all you need is an oil change. Visit our Service Department page to schedule a service appointment, or our Parts Department page to order parts for your new Chevrolet, or for more information about any of the services offered by Molle Chevrolet.

2017 Molle Chevrolet. All Rights Reserved.


Where can you go for the best business advice? #business #management #courses

#small business advice

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Where can you go for the best business advice?

Starting a business is an exhilarating experience but can also be quite treacherous, if you’re really sure where you’re going. Luckily there is a wealth of information out there to help you prepare. The only issue is, where to start?

Ever on the pilgrimage to make your business endeavors easier, we have collated a list of the best places to look for startup and small business advice. The best part is, most of them are completely free.

1. Startup advice

Gov.uk provides a range of business and financial support options, including advice on writing a business plan. help with finance and support, loans and Growth Voucher opportunities.

The government’s Growth Accelerator scheme is also well worth checking out. Eligible small businesses can access coaching and advice, as well as up to £2,000 of match funding per senior manager involved in the strategic direction of the business.

The government isn’t the only place you can find funding for your business more funding info here .

Startup Britain is characterised as a “national campaign by entrepreneurs for entrepreneurs” and provides free events and advice for budding businesses. They also work with the government in order to create better initiatives and funding options for startups, which aims to give small businesses the opportunity to have their say.

99u is online portfolio company, Behance’s effort to “make ideas happen”. The site offers a selection of articles, videos and advice on innovation and creative thinking. If you’re feeling a little depleted and you need some business motivation, 99u is a great place to start.

2. HR advice for small business

ACAS provides information, advice, training and other services for employers and employees relating to employment and HR issues. As well as advice and training, ACAS also offers online modules to help you achieve the ‘model workplace’ and get to grips with employment law.

Early conciliation is a particularly useful section of the ACAS site if you find yourself in a workplace dispute. The free service offers the opportunity to resolve issues without having to go to an employment tribunal.

HR Zone has a decent mix of informative blog posts, white papers and employment law features. They also have a library and online resource centre, which offers a 14 day free trial for all new members. It is free to join and you will be alerted of all up-and-coming events near your area.

Human Resource Solutions support small businesses who may not have the capital or need to hire HR professionals. The website offers professionally written free resources, as well as downloadable HR policies and procedures templates.

3. Accounting advice

J4b provides funding and grant information to startups and small businesses. The site also offers advice and guidance on relevant awards and tax relief and is easier to navigate than HMRC.

HMRC is the almighty ruler of all British tax issues and has all of the financial information required to set up your business and manage your finances. It is not the easiest website to navigate so here are some of the most useful areas for you:

  • Starting a business Help and support for new businesses, including what you need to register to get set up, limited company, VAT, PAYE for employers, record keeping ect.
  • Corporation tax Information on how to register, calculate and manage your corporation tax.
  • Import and export Tax laws on international trade, import control system and how to apply.

The new HMRC section on the gov.uk website is much more user friendly.

4. Business mentoring services

Horsesmouth describes itself as “the social network for informal mentoring” and offers the opportunity to sign up to have or be a mentor. They have a specific section on starting a business where you can search for mentors on a variety of subjects including, interviewing, managing people, business plan and investment.

Mentorsme is designed to help you find a business mentor as quickly and easily as possible. You can also find a range of useful resources on their website, including accounting a business advice, better financial control and how to complete a lending request.





Where to Find Startup Business Loans 2016 #selling #your #business

#start up business loans

#

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

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Loans

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Where to Find Startup Business Loans 2016

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Money is a big worry when you’re starting a small business.

Established companies have a wider range of business loan options with the growth of alternative lending. But startups face higher hurdles to funding. So we’ve rounded up half a dozen financing options for new entrepreneurs to help you get your business underway:

1. Microloans and loans from nonprofits

Microlenders and nonprofit lenders are two good financing options, especially if you have shaky finances. Generally, you’ll get solid loan terms from these lenders, making it possible for you to grow your business and establish better credit.

Many microlenders and nonprofit lenders are also focused on helping minority or traditionally disadvantaged small-business owners, as well as small businesses in communities that are struggling economically. And these organizations are willing to work with aspiring entrepreneurs with poor credit.

The U.S. Small Business Administration also has a microloan program that offers loans of up to $50,000 to small businesses and some not-for-profit childcare centers. The average SBA microloan is about $13,000. Here is a list of providers .

The downside of the microloan is the “micro” part: Funding may not be sufficient for all borrowers.

[back to the top]

2. Friends and family

Perhaps the most common way of financing a new small business is to borrow money from friends or family. Of course, if your credit is bad — and your family and friends know it — you ll have to persuade would-be lenders that you’ll be able to pay them back.

In these situations, the potential cost of failure is not just financial but also personal.

“Business is personal regardless of what people say,” David Nilssen, CEO of small-business financing company Guidant Financial, tells NerdWallet. “For most people, it’d be difficult to separate the two.”

Trim your list of friends and family to just those who understand your plans, and do your best to make certain they are comfortable with the risks involved.

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3. Credit cards

Many small-business owners use a credit card to start a small business. If your credit isn’t stellar, your choices may be limited to secured credit cards. which typically have higher fees than regular credit cards.

It’s important to remember, however, that credit cards are an expensive way of financing a small business, particularly if you have bad credit. That’s because card issuers determine annual percentage rates based largely on your personal credit score. Also, research has shown that small businesses that rely too heavily on credit card financing typically fail.

SHOP SMART FOR THE BEST CREDIT CARDS

4. Personal loans

Many new small-business owners also access financing through personal loans, especially through a growing number of online lenders. But like credit cards, personal loans usually have high APRs, especially for bad credit borrowers.

For example, you could get a personal loan that could be used for starting a business from companies such as Peerform and Vouch. Both lenders have a minimum credit score requirement of 600, but their loans have APRs as high as 30%.

Nilssen says small-business owners should consider personal loans “an option of last resort.”

“Where they can work,” he says, “is when a business just needs a small amount of money for things like early-stage production or buying equipment.”

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5. Crowdfunding

Crowdfunding has become a popular method of raising funds to start a small business, thanks to such sites as Kickstarter and Indiegogo, which let you launch online campaigns to solicit funds. Instead of paying back your donors, you give them gifts, which is why this system is also called rewards crowdfunding.

New avenues are also opening up for equity crowdfunding, in which you tap a public pool of investors who agree to finance your small business in exchange for equity ownership. This became an even broader option recently with new securities regulations that allowed small-business owners to reach out to mom-and-pop investors, not just accredited investors.

Crowdfunding is good for the entrepreneur “who has a product and wants to test the market and validate the opportunity,” Nilssen says. “No credit necessary.”

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6. Grants

Grants from private foundations and government agencies are also a way to raise startup funds for your small business. They’re not always easy to get, but free capital may be worth the hard work for some new businesses.

Startup business loans: Compare your options

You may also like

Lender reviews

See how different lenders stack up in NerdWallet’s expert reviews

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

2016 NerdWallet, Inc. All Rights Reserved

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .





Where are They Now? Patrick Donnelly in Cincinnati Business Courier Forty Under

#cincinnati business courier

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Where are They Now? Patrick Donnelly in Cincinnati Business Courier Forty Under 40 Retrospective

June 20th 2016 at 3:13PM

Twenty years ago, Patrick Donnelly, then associate principal and director of client services at BHDP, was recognized in the Forty Under 40 class of 1996 from the Cincinnati Business Courier. In a rare retrospective of all winners from this highly motivated class, the Business Courier reports on the current standings of each nominee.

Today, Patrick Donnelly continues his work at BHDP, now as an owner and client leader.

As the article reports:

A lot has changed since 1996. The Forty Under 40 awards were only in their second year and the Business Courier received 120 nominations. (This year, we received 426 nominations.) However, the focus was the same: We were seeking up-and-coming business leaders making a difference in the community.

The emphasis is on leadership and potential leadership – whether it is in business, finance, politics, nonprofits, education or public service. Focus is also placed on the nominee’s community involvement. Most of our honorees have made good on the early promise they showed. Among them we count 14 company presidents, nine sitting CEOs, three business owners, two law partners and one judge.

2016 BHDP Architecture. All rights reserved.





Where to Find Smart Short-Term Business Loans #green #business

#short term business loans

#

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Where to Find Smart Short-Term Business Loans

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Short-term business loans can get you the funds you need to overcome cash flow gaps, handle emergencies and unexpected expenses or finance a small expansion.

These loans and lines of credit typically come in amounts from $5,000 to $250,000, carry short repayment terms of a few months to several years, have looser qualifications than long-term loans and provide cash quickly.

Because short-term business loans generally have high borrowing costs, the smartest approach is to choose financing with the lowest annual percentage rate you can qualify for. Lines of credit are more flexible and generally have shorter repayment periods, while loans tend to offer a longer term.

Repaying a short-term business loan on time can help you qualify for a long-term business loan in the future. Long-term loans typically come in amounts from $250,000 to $1 million or more, are less expensive and have a repayment period of five to 15 years or longer, making them better suited to a real estate purchase, business acquisition or debt refinancing.

Short-term lines of credit: Kabbage and Dealstruck

With Kabbage’s line of credit, you borrow only the money you need and pay fees just on the money you borrow. That flexibility makes it a better option for managing cash flow than for a larger expense such as an expansion. You repay each draw on the line of credit over six or 12 months.

It’s also fairly easy to qualify (take a look at minimum qualifications below) and a good option for borrowers with bad credit. Although Kabbage does check your credit scores, it doesn’t weigh them as heavily as other factors, such as your average monthly revenue.

The pitfalls of short-term business loans

Of course, there are a few disadvantages to short-term business loans that small-business owners should keep in mind:

Higher cost: They typically carry a higher APR — the total annual cost of borrowing, including all fees and interest — than long-term loans. That’s due to their shorter repayment period, faster funding, looser qualifications (lower credit score and revenue requirements) and the fact that many are unsecured business loans. which don’t require collateral.

More frequent repayments: Lenders may require you to make loan payments daily or weekly as opposed to monthly. Although these payments are smaller, they can be an issue for businesses that have uneven sales or those that don’t always hold much cash in a bank account. You’ll have to make sure you have enough money in your account to make the payments at all times, or you’ll risk incurring fees or defaulting on the loan.

Risk of debt trap: The speed and ease of short-term business loans can become addictive. Instead of repaying the debt in full, business owners may be enticed to refinance and roll over the debt into a new loan. But this can result in a debt trap: continual refinancing just to keep up with payments. This is a common issue with merchant cash advances. a costly form of short-term financing that can carry an APR over 300%. If you have several high-interest small-business loans, business debt consolidation may be the solution you need.

Find and compare the best small-business loans

NerdWallet has created a comparison tool of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

This article was updated June 21, 2016. It was originally published Jan. 12, 2016.

To get more information about funding options and compare them for your small business, visit NerdWallet’s small-business loans tool. For free, personalized answers to questions about financing your business, visit the Small Business section of NerdWallet’s Ask an Advisor page.

You may also like

Lender reviews

See how different lenders stack up in NerdWallet’s expert reviews

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

2016 NerdWallet, Inc. All Rights Reserved

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .





Bad Credit? Where to Find Business Loans #sba #loan #requirements

#bad credit business loans

#

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Banking

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Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Bad Credit? Where to Find Business Loans

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Bad credit is a red flag for lenders. It indicates you’ve either mismanaged your personal finances or fallen on hard times. Either way, lenders see you as higher risk — more likely to miss payments or default on a loan than a borrower with good credit.

Bad credit (defined by FICO as a score of 300 to 629) is one reason loan applications are rejected; the approval rate of business loans from big banks was just 23.3% as of June 2016, according to Biz2Credit. But alternative lenders provide options. They emphasize the strength and operating history of your business rather than your credit. Be sure to carefully compare all of your choices, weighing terms and annual percentage rate.

Here are some options:

Note: If you’re a startup less than a year old, it’ll be tough to find a loan, no matter your credit. Here are financing ideas to help you launch your company.

If your personal credit score is under 500

With a score below 500, your best bet is likely a lender with no minimum credit score. Many lenders require a minimum score to qualify, but Fundbox and Kabbage don’t. Both are good, although pricey, choices for bad-credit borrowers who need short-term working capital up to $100,000. Fundbox, however, is only for businesses with unpaid customer invoices. There’s no minimum revenue with Fundbox and no credit check. For Kabbage’s line of credit, you need least $50,000 in annual revenue and one year in business.

If your personal credit score is 500 or higher

With a personal credit score of at least 500 or 530, you could qualify for OnDeck or BlueVine. OnDeck is for businesses that have at least $100,000 in annual revenue and is better if you need cash for an expansion (such as purchasing equipment or making renovations). The lender reports payment activity to the three credit bureaus, so paying off your loan on time will help build your credit score. If your score is at least 530 and your business has unpaid customer invoices, consider BlueVine invoice factoring.

Good option for:

• Fast cash
• Inventory
• Expansion

• Fast cash
• Working capital
• Businesses with unpaid invoices

500+ credit score
• $100,000+ revenue
• No personal bankruptcies in past 2 years

530+ credit score
• Must have unpaid customer invoices
• $120,000+ annual revenue
• 3+ months in business

If your personal credit score is 600 or higher

Because your score is at least 600, you can turn to Dealstruck or StreetShares for financing. For larger amounts of funding and lower borrowing costs, consider Dealstruck, as it has term loans and lines of credit up to $500,000 with APRs from 10% to 28%. However, you’ll also need strong minimum annual revenue of $150,000 to qualify. If you have $25,000 or more in revenue, StreetShares is an option. Its loans max out at $100,000 with 9% to 40% APR.

Good option for:

• Expansion, inventory purchases
• Businesses with unpaid invoices

• Young businesses
• Veterans

600+ credit score
• $150,000+ annual revenue
• 1+ year in business

600+ credit score
• $25,000+ annual revenue
• 1+ year in business, unless you already have $100,000 revenue (drops to six months)





Free Business Cards: Where To Get Them And The Fine Print! #stock

#free business cards

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Free Business Cards: Where To Get Them And The Fine Print!

Yes. However, you can only get 10 business cards for completely free. The offers for 250 free business cards are very misleading. You will end up paying a minimum of $5.00 to $12.00 for “free business cards”.

Click Here to get our FREE Google advertising guide and discover the 6 steps you can use to show up #1 in Google search

The Truth About Free Business Cards

When companies like Vistaprint or 1-800-Postcards offer free business cards, they are really offering you free business card printing. However, there are 4 ways in which they seek to make money from you.

  1. They charge you for shipping. While the printing is free, you will need to pay a shipping fee to receive them. While I cannot say for 100% sure, I suspect that their total costs including shipping are less than the shipping fee.
  2. They charge you for speed. If you need the cards for a meeting, tradeshow or convention in a few days, you may have pay an additional fee for express printing and even more for shipping. You get business cards free only if you can wait a couple weeks to receive them.
  3. The business card printer gets free advertising. Typically on the back of the cards, there is a logo or text advertisement for the company that printed the business cards. If you want to remove the advertisement, then you will have to buy a premium business card.
  4. They will try to convince you to buy premium cards or add-on items. Some companies offer 40 free design templates for free business cards, but hundreds of business card design templates for premium buyers.

With free business cards, you may also not have the option of different finishes. After you finish designing your business card, companies will try to sell you business card holders, magnetic business cards and all other sorts of other promotional items. When you try to order free business cards, the printing company will make the process drawn-out to give them lots of opportunities to sell you a product which is not free.

I said there was one completely free offer. Yes, Moo does offer 10 free business cards with no printing fee and no shipping fee. There is a small Moo.com logo on the back and you will receive the cards via USPS in about 10 days.

How much do free business cards really cost when you include shipping?

Vistaprint Offer: 250 Cards For $6.93. (For NYC address) Two weeks for delivery and small text ads appears on the back.

In practice, the best deal is not business cards but buying 500 cards which will cost less than $20 with shipping .

Moo.com Offer: 50 Business Cards For $5.00. Includes option of using recycled material or gloss finish at no extra charge. Free full color images on back and front of card for no additional charge. 10 days for delivery and small Moo.com logo appears on the back.

1-800-Postcards Offer: 250 Business Cards For $12.00 Three weeks for delivery and small text ads appears on the back.

Want a real bargain? Try Fiverr

You re reading this article because you re frugal. One place where frugal entrepreneurs go to get business cards, flyers, and brochures designed and a host of other services is Fiverr. All services on Fiverr start at only $5!

Can you print your own business cards for free?

Yes, there are a number of programs that provide free online templates (word and PDF formats) for business cards. Assuming that you have the following tools, you may be able to print your own business cards for free:

  • High-Quality Inkjet or Laser Printer
  • Exacto Knife or Paper Cutter or If Your Have Great Hands, A Sharp Scissor
  • High Quality Paper (ie 100 lb cotton paper)
  • Free Business Card Printing Software: Easy To Use More Choice Templates

This option may not appeal to most business people because, a hand cut business card can look slightly off. If you want a professional looking card, you can buy heavy-stock pre-cut paper. Literally, you can pop-out a card with a perfect edge. Unfortunately, this paper doesn’t come cheap. You can buy business card paper to print 250 cards for $15 to $20. Avery provides free business card templates that work with its paper products.

Click Here to get our FREE Google advertising guide and discover the 6 steps you can use to show up #1 in Google search

Why get free business cards cards, when premium cards only cost $15 more?

When do you give out business cards? When you’re meeting someone for the first time and making a first impression. While your business associate may not remember a great looking business card, there is a chance that they will remember a “bad” business card or a business card that gives the impression that your company is struggling or cheap. A business card that has an advertisement for the printing company sends the message that you NEED to watch every buck.

To learn how to get professional looking business cards without advertising on any budget see our article 7 Steps to the Perfect Business Card .

About the Author

Marc Prosser has been involved in many businesses as an executive, advisor, and investor. Prior to starting his own company, Marc Prosser was the first employee and Chief Marketing Officer of FXCM. During his ten years at FXCM, the company grew from a small business to over 700 employees.

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Copyright © 2016 · FitSmallBusiness. All Right Reserved. Privacy Policy .

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 .





Where to Find Smart Short-Term Business Loans #home #business #opportunity

#short term business loans

#

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Insurance

Credit Cards

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Where to Find Smart Short-Term Business Loans

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Short-term business loans can get you the funds you need to overcome cash flow gaps, handle emergencies and unexpected expenses or finance a small expansion.

These loans and lines of credit typically come in amounts from $5,000 to $250,000, carry short repayment terms of a few months to several years, have looser qualifications than long-term loans and provide cash quickly.

Because short-term business loans generally have high borrowing costs, the smartest approach is to choose financing with the lowest annual percentage rate you can qualify for. Lines of credit are more flexible and generally have shorter repayment periods, while loans tend to offer a longer term.

Repaying a short-term business loan on time can help you qualify for a long-term business loan in the future. Long-term loans typically come in amounts from $250,000 to $1 million or more, are less expensive and have a repayment period of five to 15 years or longer, making them better suited to a real estate purchase, business acquisition or debt refinancing.

Short-term lines of credit: Kabbage and Dealstruck

With Kabbage’s line of credit, you borrow only the money you need and pay fees just on the money you borrow. That flexibility makes it a better option for managing cash flow than for a larger expense such as an expansion. You repay each draw on the line of credit over six or 12 months.

It’s also fairly easy to qualify (take a look at minimum qualifications below) and a good option for borrowers with bad credit. Although Kabbage does check your credit scores, it doesn’t weigh them as heavily as other factors, such as your average monthly revenue.

The pitfalls of short-term business loans

Of course, there are a few disadvantages to short-term business loans that small-business owners should keep in mind:

Higher cost: They typically carry a higher APR — the total annual cost of borrowing, including all fees and interest — than long-term loans. That’s due to their shorter repayment period, faster funding, looser qualifications (lower credit score and revenue requirements) and the fact that many are unsecured business loans. which don’t require collateral.

More frequent repayments: Lenders may require you to make loan payments daily or weekly as opposed to monthly. Although these payments are smaller, they can be an issue for businesses that have uneven sales or those that don’t always hold much cash in a bank account. You’ll have to make sure you have enough money in your account to make the payments at all times, or you’ll risk incurring fees or defaulting on the loan.

Risk of debt trap: The speed and ease of short-term business loans can become addictive. Instead of repaying the debt in full, business owners may be enticed to refinance and roll over the debt into a new loan. But this can result in a debt trap: continual refinancing just to keep up with payments. This is a common issue with merchant cash advances. a costly form of short-term financing that can carry an APR over 300%. If you have several high-interest small-business loans, business debt consolidation may be the solution you need.

Find and compare the best small-business loans

NerdWallet has created a comparison tool of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

This article was updated June 21, 2016. It was originally published Jan. 12, 2016.

To get more information about funding options and compare them for your small business, visit NerdWallet’s small-business loans tool. For free, personalized answers to questions about financing your business, visit the Small Business section of NerdWallet’s Ask an Advisor page.

You may also like

Lender reviews

See how different lenders stack up in NerdWallet’s expert reviews

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

2016 NerdWallet, Inc. All Rights Reserved

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .





Where to Find Small-Business Funding #free #business #templates

#small business funding

#

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Banking

Investing

Mortgages

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Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Where to Find Small-Business Funding

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

So you’ve had an entrepreneurial breakthrough. Your research shows your idea is sound, and you’ve detailed all its nuances in a comprehensive business plan. You know how to spread the word about your new venture and how you’ll plan for future growth.

Now, how are you going to fund it?

Traditional small-business funding took a hit during the financial crisis, with banks opting for bigger, more secure investments over small-business ventures. Data from the Federal Deposit Insurance Corp. show small-business lending hasn t returned to pre-recession levels; loans of $100,000 to $250,000 have fallen 22% since 2007.

But it s still possible to get the capital you need to launch, maintain or grow your business. And once you identify small-business funding that s right for you, there are steps you can take to increase your chances of getting a business loan .

5 ways to fund your small business

1. If you have an established business, collateral, strong credit and finances:

Banks. Traditional banks are still a great starting point and can help you figure out where you stand in terms of funding. Even if your business doesn t have a strong enough track record and enough assets as collateral to qualify for a loan, talking to someone at a traditional bank can help you figure out what documents you need and what your best options may be.

2. If your business falls just outside of a traditional bank’s strict lending criteria:

SBA. The U.S. Small Business Administration offers lenders, almost exclusively banks, a federal guarantee on your loan, making it less risky for them to lend you the funds you need to be successful. In doing so, the SBA also connects you with favorable rates offered by traditional lenders. And unlike most bank loans, you can use an SBA loan to start a business. However, the application process isn t easy, and you can find yourself trapped under a heap of documents while you work through the appropriate forms. Online lender SmartBiz provides a more streamlined application process, originating SBA loans faster than traditional banks.

3. If you have bad personal credit, need cash fast or don’t want to wait for a bank loan:

Online alternative lenders. With traditional banks limiting access to capital, alternative lenders have seen an increase in popularity. A report by Morgan Stanley predicts they’ll provide 16% of small-business loans by 2020. They are particularly useful for owners struggling with bad credit or those in need of fast cash. with several online lenders able to turn around funding within 24 hours. Peer-to-peer lenders are among the alternatives; these lenders cut out the traditional middleman — such as a bank — to connect borrowers with individual and institutional investors. The cost of borrowing, however, is much higher; some charge annual percentage rates over 100%. Still, alternative lenders are a good option when the bank says no.

4. If you think your product can capture the interest of the public:

Crowdfunding. Crowdfunding sites such as Kickstarter rely on investors to help get an idea or business off the ground, often rewarding them with perks or equity in exchange for cash. Although the popularity of these services has increased in recent years (the SBA even offers an online course in crowdfunding), there are caveats. For one, your product or company has to be intriguing enough catch the eye of multiple investors. With equity crowdfunding, there are strict securities laws and rules to follow for investors and entrepreneurs alike.

5. If you have an existing membership and like a personal touch:

Credit unions. Like banks, credit unions offer favorable rates and loans backed by the SBA. But unlike banks, credit unions have increased their small-business lending 60% since 2008, according to the National Association of Federal Credit Unions. Though you’ll likely have to be a member, the co-op nature of credit unions often ties them to the community, so you may also reap the benefits of more personal relationships and name recognition.

Find and compare small-business loans

NerdWallet has come up with a comparison tool for the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and filtered them by categories that include your revenue and how long you’ve been in business.

To get more information about funding options and compare them for your small business, visit NerdWallet ssmall-business loanspage. For free, personalized answers to questions about financing your business, visit theSmall Businesssection of NerdWallet’s Ask an Advisor page.

This post has been updated. It was originally published Oct. 29, 2014.

Image via iStock.

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Where to Find Startup Business Loans 2016 #small #business #development #center

#start up business loans

#

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Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

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Where to Find Startup Business Loans 2016

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Money is a big worry when you’re starting a small business.

Established companies have a wider range of business loan options with the growth of alternative lending. But startups face higher hurdles to funding. So we’ve rounded up half a dozen financing options for new entrepreneurs to help you get your business underway:

1. Microloans and loans from nonprofits

Microlenders and nonprofit lenders are two good financing options, especially if you have shaky finances. Generally, you’ll get solid loan terms from these lenders, making it possible for you to grow your business and establish better credit.

Many microlenders and nonprofit lenders are also focused on helping minority or traditionally disadvantaged small-business owners, as well as small businesses in communities that are struggling economically. And these organizations are willing to work with aspiring entrepreneurs with poor credit.

The U.S. Small Business Administration also has a microloan program that offers loans of up to $50,000 to small businesses and some not-for-profit childcare centers. The average SBA microloan is about $13,000. Here is a list of providers .

The downside of the microloan is the “micro” part: Funding may not be sufficient for all borrowers.

[back to the top]

2. Friends and family

Perhaps the most common way of financing a new small business is to borrow money from friends or family. Of course, if your credit is bad — and your family and friends know it — you ll have to persuade would-be lenders that you’ll be able to pay them back.

In these situations, the potential cost of failure is not just financial but also personal.

“Business is personal regardless of what people say,” David Nilssen, CEO of small-business financing company Guidant Financial, tells NerdWallet. “For most people, it’d be difficult to separate the two.”

Trim your list of friends and family to just those who understand your plans, and do your best to make certain they are comfortable with the risks involved.

[back to the top]

3. Credit cards

Many small-business owners use a credit card to start a small business. If your credit isn’t stellar, your choices may be limited to secured credit cards. which typically have higher fees than regular credit cards.

It’s important to remember, however, that credit cards are an expensive way of financing a small business, particularly if you have bad credit. That’s because card issuers determine annual percentage rates based largely on your personal credit score. Also, research has shown that small businesses that rely too heavily on credit card financing typically fail.

SHOP SMART FOR THE BEST CREDIT CARDS

4. Personal loans

Many new small-business owners also access financing through personal loans, especially through a growing number of online lenders. But like credit cards, personal loans usually have high APRs, especially for bad credit borrowers.

For example, you could get a personal loan that could be used for starting a business from companies such as Peerform and Vouch. Both lenders have a minimum credit score requirement of 600, but their loans have APRs as high as 30%.

Nilssen says small-business owners should consider personal loans “an option of last resort.”

“Where they can work,” he says, “is when a business just needs a small amount of money for things like early-stage production or buying equipment.”

[back to the top]

5. Crowdfunding

Crowdfunding has become a popular method of raising funds to start a small business, thanks to such sites as Kickstarter and Indiegogo, which let you launch online campaigns to solicit funds. Instead of paying back your donors, you give them gifts, which is why this system is also called rewards crowdfunding.

New avenues are also opening up for equity crowdfunding, in which you tap a public pool of investors who agree to finance your small business in exchange for equity ownership. This became an even broader option recently with new securities regulations that allowed small-business owners to reach out to mom-and-pop investors, not just accredited investors.

Crowdfunding is good for the entrepreneur “who has a product and wants to test the market and validate the opportunity,” Nilssen says. “No credit necessary.”

[back to the top]

6. Grants

Grants from private foundations and government agencies are also a way to raise startup funds for your small business. They’re not always easy to get, but free capital may be worth the hard work for some new businesses.

Startup business loans: Compare your options

You may also like

Lender reviews

See how different lenders stack up in NerdWallet’s expert reviews

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

2016 NerdWallet, Inc. All Rights Reserved

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .





Free Business Cards: Where To Get Them And The Fine Print! #home

#free business cards

#

Free Business Cards: Where To Get Them And The Fine Print!

Yes. However, you can only get 10 business cards for completely free. The offers for 250 free business cards are very misleading. You will end up paying a minimum of $5.00 to $12.00 for “free business cards”.

Click Here to get our FREE Google advertising guide and discover the 6 steps you can use to show up #1 in Google search

The Truth About Free Business Cards

When companies like Vistaprint or 1-800-Postcards offer free business cards, they are really offering you free business card printing. However, there are 4 ways in which they seek to make money from you.

  1. They charge you for shipping. While the printing is free, you will need to pay a shipping fee to receive them. While I cannot say for 100% sure, I suspect that their total costs including shipping are less than the shipping fee.
  2. They charge you for speed. If you need the cards for a meeting, tradeshow or convention in a few days, you may have pay an additional fee for express printing and even more for shipping. You get business cards free only if you can wait a couple weeks to receive them.
  3. The business card printer gets free advertising. Typically on the back of the cards, there is a logo or text advertisement for the company that printed the business cards. If you want to remove the advertisement, then you will have to buy a premium business card.
  4. They will try to convince you to buy premium cards or add-on items. Some companies offer 40 free design templates for free business cards, but hundreds of business card design templates for premium buyers.

With free business cards, you may also not have the option of different finishes. After you finish designing your business card, companies will try to sell you business card holders, magnetic business cards and all other sorts of other promotional items. When you try to order free business cards, the printing company will make the process drawn-out to give them lots of opportunities to sell you a product which is not free.

I said there was one completely free offer. Yes, Moo does offer 10 free business cards with no printing fee and no shipping fee. There is a small Moo.com logo on the back and you will receive the cards via USPS in about 10 days.

How much do free business cards really cost when you include shipping?

Vistaprint Offer: 250 Cards For $6.93. (For NYC address) Two weeks for delivery and small text ads appears on the back.

In practice, the best deal is not business cards but buying 500 cards which will cost less than $20 with shipping .

Moo.com Offer: 50 Business Cards For $5.00. Includes option of using recycled material or gloss finish at no extra charge. Free full color images on back and front of card for no additional charge. 10 days for delivery and small Moo.com logo appears on the back.

1-800-Postcards Offer: 250 Business Cards For $12.00 Three weeks for delivery and small text ads appears on the back.

Want a real bargain? Try Fiverr

You re reading this article because you re frugal. One place where frugal entrepreneurs go to get business cards, flyers, and brochures designed and a host of other services is Fiverr. All services on Fiverr start at only $5!

Can you print your own business cards for free?

Yes, there are a number of programs that provide free online templates (word and PDF formats) for business cards. Assuming that you have the following tools, you may be able to print your own business cards for free:

  • High-Quality Inkjet or Laser Printer
  • Exacto Knife or Paper Cutter or If Your Have Great Hands, A Sharp Scissor
  • High Quality Paper (ie 100 lb cotton paper)
  • Free Business Card Printing Software: Easy To Use More Choice Templates

This option may not appeal to most business people because, a hand cut business card can look slightly off. If you want a professional looking card, you can buy heavy-stock pre-cut paper. Literally, you can pop-out a card with a perfect edge. Unfortunately, this paper doesn’t come cheap. You can buy business card paper to print 250 cards for $15 to $20. Avery provides free business card templates that work with its paper products.

Click Here to get our FREE Google advertising guide and discover the 6 steps you can use to show up #1 in Google search

Why get free business cards cards, when premium cards only cost $15 more?

When do you give out business cards? When you’re meeting someone for the first time and making a first impression. While your business associate may not remember a great looking business card, there is a chance that they will remember a “bad” business card or a business card that gives the impression that your company is struggling or cheap. A business card that has an advertisement for the printing company sends the message that you NEED to watch every buck.

To learn how to get professional looking business cards without advertising on any budget see our article 7 Steps to the Perfect Business Card .

About the Author

Marc Prosser has been involved in many businesses as an executive, advisor, and investor. Prior to starting his own company, Marc Prosser was the first employee and Chief Marketing Officer of FXCM. During his ten years at FXCM, the company grew from a small business to over 700 employees.

Related Posts

Copyright © 2016 · FitSmallBusiness. All Right Reserved. Privacy Policy .

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 .





Where are They Now? Patrick Donnelly in Cincinnati Business Courier Forty Under

#cincinnati business courier

#

Where are They Now? Patrick Donnelly in Cincinnati Business Courier Forty Under 40 Retrospective

June 20th 2016 at 3:13PM

Twenty years ago, Patrick Donnelly, then associate principal and director of client services at BHDP, was recognized in the Forty Under 40 class of 1996 from the Cincinnati Business Courier. In a rare retrospective of all winners from this highly motivated class, the Business Courier reports on the current standings of each nominee.

Today, Patrick Donnelly continues his work at BHDP, now as an owner and client leader.

As the article reports:

A lot has changed since 1996. The Forty Under 40 awards were only in their second year and the Business Courier received 120 nominations. (This year, we received 426 nominations.) However, the focus was the same: We were seeking up-and-coming business leaders making a difference in the community.

The emphasis is on leadership and potential leadership – whether it is in business, finance, politics, nonprofits, education or public service. Focus is also placed on the nominee’s community involvement. Most of our honorees have made good on the early promise they showed. Among them we count 14 company presidents, nine sitting CEOs, three business owners, two law partners and one judge.

2016 BHDP Architecture. All rights reserved.





Where can you go for the best business advice? #introduction #to #business

#small business advice

#

Where can you go for the best business advice?

Starting a business is an exhilarating experience but can also be quite treacherous, if you’re really sure where you’re going. Luckily there is a wealth of information out there to help you prepare. The only issue is, where to start?

Ever on the pilgrimage to make your business endeavors easier, we have collated a list of the best places to look for startup and small business advice. The best part is, most of them are completely free.

1. Startup advice

Gov.uk provides a range of business and financial support options, including advice on writing a business plan. help with finance and support, loans and Growth Voucher opportunities.

The government’s Growth Accelerator scheme is also well worth checking out. Eligible small businesses can access coaching and advice, as well as up to £2,000 of match funding per senior manager involved in the strategic direction of the business.

The government isn’t the only place you can find funding for your business more funding info here .

Startup Britain is characterised as a “national campaign by entrepreneurs for entrepreneurs” and provides free events and advice for budding businesses. They also work with the government in order to create better initiatives and funding options for startups, which aims to give small businesses the opportunity to have their say.

99u is online portfolio company, Behance’s effort to “make ideas happen”. The site offers a selection of articles, videos and advice on innovation and creative thinking. If you’re feeling a little depleted and you need some business motivation, 99u is a great place to start.

2. HR advice for small business

ACAS provides information, advice, training and other services for employers and employees relating to employment and HR issues. As well as advice and training, ACAS also offers online modules to help you achieve the ‘model workplace’ and get to grips with employment law.

Early conciliation is a particularly useful section of the ACAS site if you find yourself in a workplace dispute. The free service offers the opportunity to resolve issues without having to go to an employment tribunal.

HR Zone has a decent mix of informative blog posts, white papers and employment law features. They also have a library and online resource centre, which offers a 14 day free trial for all new members. It is free to join and you will be alerted of all up-and-coming events near your area.

Human Resource Solutions support small businesses who may not have the capital or need to hire HR professionals. The website offers professionally written free resources, as well as downloadable HR policies and procedures templates.

3. Accounting advice

J4b provides funding and grant information to startups and small businesses. The site also offers advice and guidance on relevant awards and tax relief and is easier to navigate than HMRC.

HMRC is the almighty ruler of all British tax issues and has all of the financial information required to set up your business and manage your finances. It is not the easiest website to navigate so here are some of the most useful areas for you:

  • Starting a business Help and support for new businesses, including what you need to register to get set up, limited company, VAT, PAYE for employers, record keeping ect.
  • Corporation tax Information on how to register, calculate and manage your corporation tax.
  • Import and export Tax laws on international trade, import control system and how to apply.

The new HMRC section on the gov.uk website is much more user friendly.

4. Business mentoring services

Horsesmouth describes itself as “the social network for informal mentoring” and offers the opportunity to sign up to have or be a mentor. They have a specific section on starting a business where you can search for mentors on a variety of subjects including, interviewing, managing people, business plan and investment.

Mentorsme is designed to help you find a business mentor as quickly and easily as possible. You can also find a range of useful resources on their website, including accounting a business advice, better financial control and how to complete a lending request.





Bad Credit? Where to Find Business Loans #funding #for #business

#bad credit business loans

#

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Bad Credit? Where to Find Business Loans

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Bad credit is a red flag for lenders. It indicates you’ve either mismanaged your personal finances or fallen on hard times. Either way, lenders see you as higher risk — more likely to miss payments or default on a loan than a borrower with good credit.

Bad credit (defined by FICO as a score of 300 to 629) is one reason loan applications are rejected; the approval rate of business loans from big banks was just 23.3% as of June 2016, according to Biz2Credit. But alternative lenders provide options. They emphasize the strength and operating history of your business rather than your credit. Be sure to carefully compare all of your choices, weighing terms and annual percentage rate.

Here are some options:

Note: If you’re a startup less than a year old, it’ll be tough to find a loan, no matter your credit. Here are financing ideas to help you launch your company.

If your personal credit score is under 500

With a score below 500, your best bet is likely a lender with no minimum credit score. Many lenders require a minimum score to qualify, but Fundbox and Kabbage don’t. Both are good, although pricey, choices for bad-credit borrowers who need short-term working capital up to $100,000. Fundbox, however, is only for businesses with unpaid customer invoices. There’s no minimum revenue with Fundbox and no credit check. For Kabbage’s line of credit, you need least $50,000 in annual revenue and one year in business.

If your personal credit score is 500 or higher

With a personal credit score of at least 500 or 530, you could qualify for OnDeck or BlueVine. OnDeck is for businesses that have at least $100,000 in annual revenue and is better if you need cash for an expansion (such as purchasing equipment or making renovations). The lender reports payment activity to the three credit bureaus, so paying off your loan on time will help build your credit score. If your score is at least 530 and your business has unpaid customer invoices, consider BlueVine invoice factoring.

Good option for:

• Fast cash
• Inventory
• Expansion

• Fast cash
• Working capital
• Businesses with unpaid invoices

500+ credit score
• $100,000+ revenue
• No personal bankruptcies in past 2 years

530+ credit score
• Must have unpaid customer invoices
• $120,000+ annual revenue
• 3+ months in business

If your personal credit score is 600 or higher

Because your score is at least 600, you can turn to Dealstruck or StreetShares for financing. For larger amounts of funding and lower borrowing costs, consider Dealstruck, as it has term loans and lines of credit up to $500,000 with APRs from 10% to 28%. However, you’ll also need strong minimum annual revenue of $150,000 to qualify. If you have $25,000 or more in revenue, StreetShares is an option. Its loans max out at $100,000 with 9% to 40% APR.

Good option for:

• Expansion, inventory purchases
• Businesses with unpaid invoices

• Young businesses
• Veterans

600+ credit score
• $150,000+ annual revenue
• 1+ year in business

600+ credit score
• $25,000+ annual revenue
• 1+ year in business, unless you already have $100,000 revenue (drops to six months)





Free Business Cards: Where To Get Them And The Fine Print! #best

#free business cards

#

Free Business Cards: Where To Get Them And The Fine Print!

Yes. However, you can only get 10 business cards for completely free. The offers for 250 free business cards are very misleading. You will end up paying a minimum of $5.00 to $12.00 for “free business cards”.

Click Here to get our FREE Google advertising guide and discover the 6 steps you can use to show up #1 in Google search

The Truth About Free Business Cards

When companies like Vistaprint or 1-800-Postcards offer free business cards, they are really offering you free business card printing. However, there are 4 ways in which they seek to make money from you.

  1. They charge you for shipping. While the printing is free, you will need to pay a shipping fee to receive them. While I cannot say for 100% sure, I suspect that their total costs including shipping are less than the shipping fee.
  2. They charge you for speed. If you need the cards for a meeting, tradeshow or convention in a few days, you may have pay an additional fee for express printing and even more for shipping. You get business cards free only if you can wait a couple weeks to receive them.
  3. The business card printer gets free advertising. Typically on the back of the cards, there is a logo or text advertisement for the company that printed the business cards. If you want to remove the advertisement, then you will have to buy a premium business card.
  4. They will try to convince you to buy premium cards or add-on items. Some companies offer 40 free design templates for free business cards, but hundreds of business card design templates for premium buyers.

With free business cards, you may also not have the option of different finishes. After you finish designing your business card, companies will try to sell you business card holders, magnetic business cards and all other sorts of other promotional items. When you try to order free business cards, the printing company will make the process drawn-out to give them lots of opportunities to sell you a product which is not free.

I said there was one completely free offer. Yes, Moo does offer 10 free business cards with no printing fee and no shipping fee. There is a small Moo.com logo on the back and you will receive the cards via USPS in about 10 days.

How much do free business cards really cost when you include shipping?

Vistaprint Offer: 250 Cards For $6.93. (For NYC address) Two weeks for delivery and small text ads appears on the back.

In practice, the best deal is not business cards but buying 500 cards which will cost less than $20 with shipping .

Moo.com Offer: 50 Business Cards For $5.00. Includes option of using recycled material or gloss finish at no extra charge. Free full color images on back and front of card for no additional charge. 10 days for delivery and small Moo.com logo appears on the back.

1-800-Postcards Offer: 250 Business Cards For $12.00 Three weeks for delivery and small text ads appears on the back.

Want a real bargain? Try Fiverr

You re reading this article because you re frugal. One place where frugal entrepreneurs go to get business cards, flyers, and brochures designed and a host of other services is Fiverr. All services on Fiverr start at only $5!

Can you print your own business cards for free?

Yes, there are a number of programs that provide free online templates (word and PDF formats) for business cards. Assuming that you have the following tools, you may be able to print your own business cards for free:

  • High-Quality Inkjet or Laser Printer
  • Exacto Knife or Paper Cutter or If Your Have Great Hands, A Sharp Scissor
  • High Quality Paper (ie 100 lb cotton paper)
  • Free Business Card Printing Software: Easy To Use More Choice Templates

This option may not appeal to most business people because, a hand cut business card can look slightly off. If you want a professional looking card, you can buy heavy-stock pre-cut paper. Literally, you can pop-out a card with a perfect edge. Unfortunately, this paper doesn’t come cheap. You can buy business card paper to print 250 cards for $15 to $20. Avery provides free business card templates that work with its paper products.

Click Here to get our FREE Google advertising guide and discover the 6 steps you can use to show up #1 in Google search

Why get free business cards cards, when premium cards only cost $15 more?

When do you give out business cards? When you’re meeting someone for the first time and making a first impression. While your business associate may not remember a great looking business card, there is a chance that they will remember a “bad” business card or a business card that gives the impression that your company is struggling or cheap. A business card that has an advertisement for the printing company sends the message that you NEED to watch every buck.

To learn how to get professional looking business cards without advertising on any budget see our article 7 Steps to the Perfect Business Card .

About the Author

Marc Prosser has been involved in many businesses as an executive, advisor, and investor. Prior to starting his own company, Marc Prosser was the first employee and Chief Marketing Officer of FXCM. During his ten years at FXCM, the company grew from a small business to over 700 employees.

Related Posts

Copyright © 2016 · FitSmallBusiness. All Right Reserved. Privacy Policy .

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 .





Where to Find Smart Short-Term Business Loans #ideas #to #start #a #business

#short term business loans

#

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Loans

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Credit Cards

Banking

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Loans

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Where to Find Smart Short-Term Business Loans

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Short-term business loans can get you the funds you need to overcome cash flow gaps, handle emergencies and unexpected expenses or finance a small expansion.

These loans and lines of credit typically come in amounts from $5,000 to $250,000, carry short repayment terms of a few months to several years, have looser qualifications than long-term loans and provide cash quickly.

Because short-term business loans generally have high borrowing costs, the smartest approach is to choose financing with the lowest annual percentage rate you can qualify for. Lines of credit are more flexible and generally have shorter repayment periods, while loans tend to offer a longer term.

Repaying a short-term business loan on time can help you qualify for a long-term business loan in the future. Long-term loans typically come in amounts from $250,000 to $1 million or more, are less expensive and have a repayment period of five to 15 years or longer, making them better suited to a real estate purchase, business acquisition or debt refinancing.

Short-term lines of credit: Kabbage and Dealstruck

With Kabbage’s line of credit, you borrow only the money you need and pay fees just on the money you borrow. That flexibility makes it a better option for managing cash flow than for a larger expense such as an expansion. You repay each draw on the line of credit over six or 12 months.

It’s also fairly easy to qualify (take a look at minimum qualifications below) and a good option for borrowers with bad credit. Although Kabbage does check your credit scores, it doesn’t weigh them as heavily as other factors, such as your average monthly revenue.

The pitfalls of short-term business loans

Of course, there are a few disadvantages to short-term business loans that small-business owners should keep in mind:

Higher cost: They typically carry a higher APR — the total annual cost of borrowing, including all fees and interest — than long-term loans. That’s due to their shorter repayment period, faster funding, looser qualifications (lower credit score and revenue requirements) and the fact that many are unsecured business loans. which don’t require collateral.

More frequent repayments: Lenders may require you to make loan payments daily or weekly as opposed to monthly. Although these payments are smaller, they can be an issue for businesses that have uneven sales or those that don’t always hold much cash in a bank account. You’ll have to make sure you have enough money in your account to make the payments at all times, or you’ll risk incurring fees or defaulting on the loan.

Risk of debt trap: The speed and ease of short-term business loans can become addictive. Instead of repaying the debt in full, business owners may be enticed to refinance and roll over the debt into a new loan. But this can result in a debt trap: continual refinancing just to keep up with payments. This is a common issue with merchant cash advances. a costly form of short-term financing that can carry an APR over 300%. If you have several high-interest small-business loans, business debt consolidation may be the solution you need.

Find and compare the best small-business loans

NerdWallet has created a comparison tool of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

This article was updated June 21, 2016. It was originally published Jan. 12, 2016.

To get more information about funding options and compare them for your small business, visit NerdWallet’s small-business loans tool. For free, personalized answers to questions about financing your business, visit the Small Business section of NerdWallet’s Ask an Advisor page.

You may also like

Lender reviews

See how different lenders stack up in NerdWallet’s expert reviews

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

2016 NerdWallet, Inc. All Rights Reserved

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .





Where to Find Small Business Grants for Women #business #cards #designs

#business grants for women

#

Where to Find Small Business Grants for Women

Do you think financing a small business’s startup and expansion is as easy as obtaining a free grant from the government? You might (almost) be excused for believing that Uncle Sam is handing out bags of free money to anyone with two X chromosomes. In addition to late-night infomercials about government grants, dozens of articles full of misinformation about small business grants for women can be found online, full of vague terms and hazy promises like “The government offers a wide range of grants for women entrepreneurs.”

Well, I hate to be the bearer of bad news, but as the saying goes, “If it sounds too good to be true, it probably is.” Small business grants for women are few and far between. Why? Here’s what you need to know.

The Federal Government Doesn t Provide Grants for Starting and Expanding a Business

First, to quote from the SBA’s website, “ The federal government does NOT provide grants for starting and expanding a business. ” Instead, the federal government gives grants to non-commercial entities, such as universities or nonprofit organizations.

How did the misconception that the government provides small business grants arise? Perhaps it’s because the federal government does make grants to help state and local governments, which often turn around and use those funds to offer grants to organizations that help small business owners. In other words, if you started a nonprofit to help women start businesses, you might be able to get a government grant for that. But you can’t get a government grant to start a business yourself.

According to the SBA, some states do provide grants to businesses whose work benefits the region and its residents. For instance, you might be able to get a grant if your business helps develop energy-efficient technology that helps the state and its residents save money, or if you are expanding a child-care center (enabling more residents to work and support themselves). Even in these limited cases, however, the grants are rarely “free money.” You may be required to match the funds with an equal amount of your own capital or with a loan, for example. To search for this type of grant, visit the official government grants website, Grants.gov, and check out their section for grant applicants to see if you are eligible. (There are no small business grants for women on this site that aren’t also open to men, but there are some for small businesses.)

The 4 Best Small Business Grants for Women

Knowing the options are limited, let s talk about where women entrepreneurs can find funding. Here are a (very few) small business grants for women to investigate.

  • Eileen Fisher Women-Owned Business Grant Program: Fashion designer Eileen Fisher launched these small business grants for women in 2004. Today the company awards $100,000 in total grants annually to 10 women-owned businesses beyond the startup stage (maximum $10,000 per recipient). Learn more about eligibility and the application process here .
  • Amber Grant . Launched by Womensnet.com in 1998 to honor the memory of a young woman who died before she could fulfill her entrepreneurial dreams, this program makes a $500 grant to one qualifying woman business owner each month; one of those women receives a $2,000 grant at the end of the year.
  • IdeaCafe Grant . IdeaCafe awards $1,000 grants to small business owners. Although the grant is not for women only, the vast majority of the winners have been female.
  • Grants and Scholarships for Women (GrantsforWomen.org): You can search this database of scholarship opportunities and grants for women, but be forewarned—most are for non-business purposes.

As you can see, these grants are so small that your time may be better spent in figuring out ways to grow your business without them.

When you’re seeking a grant, watch out for scams. If you’re asked to pay money or sign up for some kind of subscription to access a listing of small business grants for women, beware.

Your best bet in seeking a grant to start or expand your business? Talk to your local Small Business Development Center (SBDC) or SCORE office. These organizations are plugged into the local financing community and will be able to guide you if, indeed, there are any small business grants for women in your area from local corporations, philanthropic or economic development organizations. You might also want to look into SBA loans for women. an affordable kind of financing for female small business owners.





Free Business Cards: Where To Get Them And The Fine Print! #weekend

#free business cards

#

Free Business Cards: Where To Get Them And The Fine Print!

Yes. However, you can only get 10 business cards for completely free. The offers for 250 free business cards are very misleading. You will end up paying a minimum of $5.00 to $12.00 for “free business cards”.

Click Here to get our FREE Google advertising guide and discover the 6 steps you can use to show up #1 in Google search

The Truth About Free Business Cards

When companies like Vistaprint or 1-800-Postcards offer free business cards, they are really offering you free business card printing. However, there are 4 ways in which they seek to make money from you.

  1. They charge you for shipping. While the printing is free, you will need to pay a shipping fee to receive them. While I cannot say for 100% sure, I suspect that their total costs including shipping are less than the shipping fee.
  2. They charge you for speed. If you need the cards for a meeting, tradeshow or convention in a few days, you may have pay an additional fee for express printing and even more for shipping. You get business cards free only if you can wait a couple weeks to receive them.
  3. The business card printer gets free advertising. Typically on the back of the cards, there is a logo or text advertisement for the company that printed the business cards. If you want to remove the advertisement, then you will have to buy a premium business card.
  4. They will try to convince you to buy premium cards or add-on items. Some companies offer 40 free design templates for free business cards, but hundreds of business card design templates for premium buyers.

With free business cards, you may also not have the option of different finishes. After you finish designing your business card, companies will try to sell you business card holders, magnetic business cards and all other sorts of other promotional items. When you try to order free business cards, the printing company will make the process drawn-out to give them lots of opportunities to sell you a product which is not free.

I said there was one completely free offer. Yes, Moo does offer 10 free business cards with no printing fee and no shipping fee. There is a small Moo.com logo on the back and you will receive the cards via USPS in about 10 days.

How much do free business cards really cost when you include shipping?

Vistaprint Offer: 250 Cards For $6.93. (For NYC address) Two weeks for delivery and small text ads appears on the back.

In practice, the best deal is not business cards but buying 500 cards which will cost less than $20 with shipping .

Moo.com Offer: 50 Business Cards For $5.00. Includes option of using recycled material or gloss finish at no extra charge. Free full color images on back and front of card for no additional charge. 10 days for delivery and small Moo.com logo appears on the back.

1-800-Postcards Offer: 250 Business Cards For $12.00 Three weeks for delivery and small text ads appears on the back.

Want a real bargain? Try Fiverr

You re reading this article because you re frugal. One place where frugal entrepreneurs go to get business cards, flyers, and brochures designed and a host of other services is Fiverr. All services on Fiverr start at only $5!

Can you print your own business cards for free?

Yes, there are a number of programs that provide free online templates (word and PDF formats) for business cards. Assuming that you have the following tools, you may be able to print your own business cards for free:

  • High-Quality Inkjet or Laser Printer
  • Exacto Knife or Paper Cutter or If Your Have Great Hands, A Sharp Scissor
  • High Quality Paper (ie 100 lb cotton paper)
  • Free Business Card Printing Software: Easy To Use More Choice Templates

This option may not appeal to most business people because, a hand cut business card can look slightly off. If you want a professional looking card, you can buy heavy-stock pre-cut paper. Literally, you can pop-out a card with a perfect edge. Unfortunately, this paper doesn’t come cheap. You can buy business card paper to print 250 cards for $15 to $20. Avery provides free business card templates that work with its paper products.

Click Here to get our FREE Google advertising guide and discover the 6 steps you can use to show up #1 in Google search

Why get free business cards cards, when premium cards only cost $15 more?

When do you give out business cards? When you’re meeting someone for the first time and making a first impression. While your business associate may not remember a great looking business card, there is a chance that they will remember a “bad” business card or a business card that gives the impression that your company is struggling or cheap. A business card that has an advertisement for the printing company sends the message that you NEED to watch every buck.

To learn how to get professional looking business cards without advertising on any budget see our article 7 Steps to the Perfect Business Card .

About the Author

Marc Prosser has been involved in many businesses as an executive, advisor, and investor. Prior to starting his own company, Marc Prosser was the first employee and Chief Marketing Officer of FXCM. During his ten years at FXCM, the company grew from a small business to over 700 employees.

Related Posts

Copyright © 2016 · FitSmallBusiness. All Right Reserved. Privacy Policy .

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 .





Where are They Now? Patrick Donnelly in Cincinnati Business Courier Forty Under

#cincinnati business courier

#

Where are They Now? Patrick Donnelly in Cincinnati Business Courier Forty Under 40 Retrospective

June 20th 2016 at 3:13PM

Twenty years ago, Patrick Donnelly, then associate principal and director of client services at BHDP, was recognized in the Forty Under 40 class of 1996 from the Cincinnati Business Courier. In a rare retrospective of all winners from this highly motivated class, the Business Courier reports on the current standings of each nominee.

Today, Patrick Donnelly continues his work at BHDP, now as an owner and client leader.

As the article reports:

A lot has changed since 1996. The Forty Under 40 awards were only in their second year and the Business Courier received 120 nominations. (This year, we received 426 nominations.) However, the focus was the same: We were seeking up-and-coming business leaders making a difference in the community.

The emphasis is on leadership and potential leadership – whether it is in business, finance, politics, nonprofits, education or public service. Focus is also placed on the nominee’s community involvement. Most of our honorees have made good on the early promise they showed. Among them we count 14 company presidents, nine sitting CEOs, three business owners, two law partners and one judge.

2016 BHDP Architecture. All rights reserved.





Bad Credit? Where to Find Business Loans #small #business #ideas #for #women

#bad credit business loans

#

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

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Loans

Insurance

Bad Credit? Where to Find Business Loans

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Bad credit is a red flag for lenders. It indicates you’ve either mismanaged your personal finances or fallen on hard times. Either way, lenders see you as higher risk — more likely to miss payments or default on a loan than a borrower with good credit.

Bad credit (defined by FICO as a score of 300 to 629) is one reason loan applications are rejected; the approval rate of business loans from big banks was just 23.3% as of June 2016, according to Biz2Credit. But alternative lenders provide options. They emphasize the strength and operating history of your business rather than your credit. Be sure to carefully compare all of your choices, weighing terms and annual percentage rate.

Here are some options:

Note: If you’re a startup less than a year old, it’ll be tough to find a loan, no matter your credit. Here are financing ideas to help you launch your company.

If your personal credit score is under 500

With a score below 500, your best bet is likely a lender with no minimum credit score. Many lenders require a minimum score to qualify, but Fundbox and Kabbage don’t. Both are good, although pricey, choices for bad-credit borrowers who need short-term working capital up to $100,000. Fundbox, however, is only for businesses with unpaid customer invoices. There’s no minimum revenue with Fundbox and no credit check. For Kabbage’s line of credit, you need least $50,000 in annual revenue and one year in business.

If your personal credit score is 500 or higher

With a personal credit score of at least 500 or 530, you could qualify for OnDeck or BlueVine. OnDeck is for businesses that have at least $100,000 in annual revenue and is better if you need cash for an expansion (such as purchasing equipment or making renovations). The lender reports payment activity to the three credit bureaus, so paying off your loan on time will help build your credit score. If your score is at least 530 and your business has unpaid customer invoices, consider BlueVine invoice factoring.

Good option for:

• Fast cash
• Inventory
• Expansion

• Fast cash
• Working capital
• Businesses with unpaid invoices

500+ credit score
• $100,000+ revenue
• No personal bankruptcies in past 2 years

530+ credit score
• Must have unpaid customer invoices
• $120,000+ annual revenue
• 3+ months in business

If your personal credit score is 600 or higher

Because your score is at least 600, you can turn to Dealstruck or StreetShares for financing. For larger amounts of funding and lower borrowing costs, consider Dealstruck, as it has term loans and lines of credit up to $500,000 with APRs from 10% to 28%. However, you’ll also need strong minimum annual revenue of $150,000 to qualify. If you have $25,000 or more in revenue, StreetShares is an option. Its loans max out at $100,000 with 9% to 40% APR.

Good option for:

• Expansion, inventory purchases
• Businesses with unpaid invoices

• Young businesses
• Veterans

600+ credit score
• $150,000+ annual revenue
• 1+ year in business

600+ credit score
• $25,000+ annual revenue
• 1+ year in business, unless you already have $100,000 revenue (drops to six months)





Where to Find Smart Short-Term Business Loans #stock #market #news #today

#short term business loans

#

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Where to Find Smart Short-Term Business Loans

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Short-term business loans can get you the funds you need to overcome cash flow gaps, handle emergencies and unexpected expenses or finance a small expansion.

These loans and lines of credit typically come in amounts from $5,000 to $250,000, carry short repayment terms of a few months to several years, have looser qualifications than long-term loans and provide cash quickly.

Because short-term business loans generally have high borrowing costs, the smartest approach is to choose financing with the lowest annual percentage rate you can qualify for. Lines of credit are more flexible and generally have shorter repayment periods, while loans tend to offer a longer term.

Repaying a short-term business loan on time can help you qualify for a long-term business loan in the future. Long-term loans typically come in amounts from $250,000 to $1 million or more, are less expensive and have a repayment period of five to 15 years or longer, making them better suited to a real estate purchase, business acquisition or debt refinancing.

Short-term lines of credit: Kabbage and Dealstruck

With Kabbage’s line of credit, you borrow only the money you need and pay fees just on the money you borrow. That flexibility makes it a better option for managing cash flow than for a larger expense such as an expansion. You repay each draw on the line of credit over six or 12 months.

It’s also fairly easy to qualify (take a look at minimum qualifications below) and a good option for borrowers with bad credit. Although Kabbage does check your credit scores, it doesn’t weigh them as heavily as other factors, such as your average monthly revenue.

The pitfalls of short-term business loans

Of course, there are a few disadvantages to short-term business loans that small-business owners should keep in mind:

Higher cost: They typically carry a higher APR — the total annual cost of borrowing, including all fees and interest — than long-term loans. That’s due to their shorter repayment period, faster funding, looser qualifications (lower credit score and revenue requirements) and the fact that many are unsecured business loans. which don’t require collateral.

More frequent repayments: Lenders may require you to make loan payments daily or weekly as opposed to monthly. Although these payments are smaller, they can be an issue for businesses that have uneven sales or those that don’t always hold much cash in a bank account. You’ll have to make sure you have enough money in your account to make the payments at all times, or you’ll risk incurring fees or defaulting on the loan.

Risk of debt trap: The speed and ease of short-term business loans can become addictive. Instead of repaying the debt in full, business owners may be enticed to refinance and roll over the debt into a new loan. But this can result in a debt trap: continual refinancing just to keep up with payments. This is a common issue with merchant cash advances. a costly form of short-term financing that can carry an APR over 300%. If you have several high-interest small-business loans, business debt consolidation may be the solution you need.

Find and compare the best small-business loans

NerdWallet has created a comparison tool of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

This article was updated June 21, 2016. It was originally published Jan. 12, 2016.

To get more information about funding options and compare them for your small business, visit NerdWallet’s small-business loans tool. For free, personalized answers to questions about financing your business, visit the Small Business section of NerdWallet’s Ask an Advisor page.

You may also like

Lender reviews

See how different lenders stack up in NerdWallet’s expert reviews

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

2016 NerdWallet, Inc. All Rights Reserved

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .





Where to Find Startup Business Loans 2016 #business #name #ideas

#start up business loans

#

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Where to Find Startup Business Loans 2016

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Money is a big worry when you’re starting a small business.

Established companies have a wider range of business loan options with the growth of alternative lending. But startups face higher hurdles to funding. So we’ve rounded up half a dozen financing options for new entrepreneurs to help you get your business underway:

1. Microloans and loans from nonprofits

Microlenders and nonprofit lenders are two good financing options, especially if you have shaky finances. Generally, you’ll get solid loan terms from these lenders, making it possible for you to grow your business and establish better credit.

Many microlenders and nonprofit lenders are also focused on helping minority or traditionally disadvantaged small-business owners, as well as small businesses in communities that are struggling economically. And these organizations are willing to work with aspiring entrepreneurs with poor credit.

The U.S. Small Business Administration also has a microloan program that offers loans of up to $50,000 to small businesses and some not-for-profit childcare centers. The average SBA microloan is about $13,000. Here is a list of providers .

The downside of the microloan is the “micro” part: Funding may not be sufficient for all borrowers.

[back to the top]

2. Friends and family

Perhaps the most common way of financing a new small business is to borrow money from friends or family. Of course, if your credit is bad — and your family and friends know it — you ll have to persuade would-be lenders that you’ll be able to pay them back.

In these situations, the potential cost of failure is not just financial but also personal.

“Business is personal regardless of what people say,” David Nilssen, CEO of small-business financing company Guidant Financial, tells NerdWallet. “For most people, it’d be difficult to separate the two.”

Trim your list of friends and family to just those who understand your plans, and do your best to make certain they are comfortable with the risks involved.

[back to the top]

3. Credit cards

Many small-business owners use a credit card to start a small business. If your credit isn’t stellar, your choices may be limited to secured credit cards. which typically have higher fees than regular credit cards.

It’s important to remember, however, that credit cards are an expensive way of financing a small business, particularly if you have bad credit. That’s because card issuers determine annual percentage rates based largely on your personal credit score. Also, research has shown that small businesses that rely too heavily on credit card financing typically fail.

SHOP SMART FOR THE BEST CREDIT CARDS

4. Personal loans

Many new small-business owners also access financing through personal loans, especially through a growing number of online lenders. But like credit cards, personal loans usually have high APRs, especially for bad credit borrowers.

For example, you could get a personal loan that could be used for starting a business from companies such as Peerform and Vouch. Both lenders have a minimum credit score requirement of 600, but their loans have APRs as high as 30%.

Nilssen says small-business owners should consider personal loans “an option of last resort.”

“Where they can work,” he says, “is when a business just needs a small amount of money for things like early-stage production or buying equipment.”

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5. Crowdfunding

Crowdfunding has become a popular method of raising funds to start a small business, thanks to such sites as Kickstarter and Indiegogo, which let you launch online campaigns to solicit funds. Instead of paying back your donors, you give them gifts, which is why this system is also called rewards crowdfunding.

New avenues are also opening up for equity crowdfunding, in which you tap a public pool of investors who agree to finance your small business in exchange for equity ownership. This became an even broader option recently with new securities regulations that allowed small-business owners to reach out to mom-and-pop investors, not just accredited investors.

Crowdfunding is good for the entrepreneur “who has a product and wants to test the market and validate the opportunity,” Nilssen says. “No credit necessary.”

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6. Grants

Grants from private foundations and government agencies are also a way to raise startup funds for your small business. They’re not always easy to get, but free capital may be worth the hard work for some new businesses.

Startup business loans: Compare your options

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Where to Find Small-Business Funding #business #website #builder

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Where to Find Small-Business Funding

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

So you’ve had an entrepreneurial breakthrough. Your research shows your idea is sound, and you’ve detailed all its nuances in a comprehensive business plan. You know how to spread the word about your new venture and how you’ll plan for future growth.

Now, how are you going to fund it?

Traditional small-business funding took a hit during the financial crisis, with banks opting for bigger, more secure investments over small-business ventures. Data from the Federal Deposit Insurance Corp. show small-business lending hasn t returned to pre-recession levels; loans of $100,000 to $250,000 have fallen 22% since 2007.

But it s still possible to get the capital you need to launch, maintain or grow your business. And once you identify small-business funding that s right for you, there are steps you can take to increase your chances of getting a business loan .

5 ways to fund your small business

1. If you have an established business, collateral, strong credit and finances:

Banks. Traditional banks are still a great starting point and can help you figure out where you stand in terms of funding. Even if your business doesn t have a strong enough track record and enough assets as collateral to qualify for a loan, talking to someone at a traditional bank can help you figure out what documents you need and what your best options may be.

2. If your business falls just outside of a traditional bank’s strict lending criteria:

SBA. The U.S. Small Business Administration offers lenders, almost exclusively banks, a federal guarantee on your loan, making it less risky for them to lend you the funds you need to be successful. In doing so, the SBA also connects you with favorable rates offered by traditional lenders. And unlike most bank loans, you can use an SBA loan to start a business. However, the application process isn t easy, and you can find yourself trapped under a heap of documents while you work through the appropriate forms. Online lender SmartBiz provides a more streamlined application process, originating SBA loans faster than traditional banks.

3. If you have bad personal credit, need cash fast or don’t want to wait for a bank loan:

Online alternative lenders. With traditional banks limiting access to capital, alternative lenders have seen an increase in popularity. A report by Morgan Stanley predicts they’ll provide 16% of small-business loans by 2020. They are particularly useful for owners struggling with bad credit or those in need of fast cash. with several online lenders able to turn around funding within 24 hours. Peer-to-peer lenders are among the alternatives; these lenders cut out the traditional middleman — such as a bank — to connect borrowers with individual and institutional investors. The cost of borrowing, however, is much higher; some charge annual percentage rates over 100%. Still, alternative lenders are a good option when the bank says no.

4. If you think your product can capture the interest of the public:

Crowdfunding. Crowdfunding sites such as Kickstarter rely on investors to help get an idea or business off the ground, often rewarding them with perks or equity in exchange for cash. Although the popularity of these services has increased in recent years (the SBA even offers an online course in crowdfunding), there are caveats. For one, your product or company has to be intriguing enough catch the eye of multiple investors. With equity crowdfunding, there are strict securities laws and rules to follow for investors and entrepreneurs alike.

5. If you have an existing membership and like a personal touch:

Credit unions. Like banks, credit unions offer favorable rates and loans backed by the SBA. But unlike banks, credit unions have increased their small-business lending 60% since 2008, according to the National Association of Federal Credit Unions. Though you’ll likely have to be a member, the co-op nature of credit unions often ties them to the community, so you may also reap the benefits of more personal relationships and name recognition.

Find and compare small-business loans

NerdWallet has come up with a comparison tool for the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and filtered them by categories that include your revenue and how long you’ve been in business.

To get more information about funding options and compare them for your small business, visit NerdWallet ssmall-business loanspage. For free, personalized answers to questions about financing your business, visit theSmall Businesssection of NerdWallet’s Ask an Advisor page.

This post has been updated. It was originally published Oct. 29, 2014.

Image via iStock.

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