Monthly Archives: January 2016

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Choice of genuine loan lender is crucial in small business financing.

Everyone knows now that there are options for financing .They know the types also but what is they lack is the information required by them to apply for which type that may best suit their situations. Over the years many global organizations have worked to standardize and integrate their businesses. With the help of such integration the end users would be able to access any financial information from any desired location, enhancing the organizations’ decision-making processes.

Internet is playing very crucial role in making people aware of different aspects of finance and loans. One can browse and locate members of these private sector associations who provide debt and financing to businesses. While exploring one can get to see many finance providing company’s websites that deals with this but one should be particularly diligent in researching loan lenders and only use reputable companies and trusted advisors.

Loan lenders are the one who decide whether to provide your business with financing based on an assessment of the risks and potential reward in doing business with you. The way assessment of the risk and reward of providing you with financing depends on their business model and the type of financing that they offer.

Some companies deal in a line of credit or operating loan. This is usually attached to your main chequing account and can be used to pay operational expenses, when there is not enough money in the business bank account. This type of financing is ideal when there are ebbs and flows in a business’ cash flow or one is looking for small business financing. It can allow you to continue operating normally, when you are waiting on payment from clients or during a temporary slowdown in revenues.

Line of credit can be of secured credit and of unsecured credit form. There are also some which deals in both. Entrepreneurs may also be able to secure their line of credit with personal assets. For example, many banks now allow individuals to have a home owner’s line of credit related to the equity in their home and this line of credit can sometimes be split into personal and business categories.

Choosing from them needs an analysis on company’s profile, their processing time, their credit terms, their interest rates and yes along with this one also has to assess their own funding requirements too. As sometimes to get financing, you need to demonstrate that you can pay back the money and that your venture will be profitable.

One has to be clear on the following points such as:
Is your business a start up one?
Are you developing a new product?
If you are taking to expansion of your business to new locations
If You are approaching new markets
whether you are purchasing new equipment
Since unsecured business credit line is relatively easier to procure as they do not usually require collateral, they have played an important role in the business development of smaller business houses. With the growth in credit sector there are many financial institutions working to help business owners with such credit lines. They also give a money back guarantee if they could not process the loan of min limit within specified time.

Macro business capital provides the business owners a perfect financial solution for small business financing with which they can fulfill all their business oriented financial needs with an unsecured business credit line. For more information visit at https://www.macrobusinesscapital.com/

Rio Dulce GCA – Rio Dulce Canyon
small business
Image by Daniel Mennerich
Río Dulce ("Sweet River") is a river in Guatemala, completely contained within the department of Izabal. It is part of a lake and river system that has become a popular cruising sailboat destination.

The river begins at the point where it flows out of Lake Izabal. At the entrance to the river there is a small Spanish colonial fort, the Castillo de San Felipe de Lara, built to stop pirates entering the lake from the Caribbean when this part of Central America was an important shipping staging point.

Just after the river flows from Lake Izabal it is spanned by one of the biggest bridges in Central America. On one side of the bridge is the town of Fronteras, commonly referred to by the name Río Dulce, the local center of commerce for the area. Fronteras has a local vegetable market, attracting locals from the countryside who arrive in dugout canoes. Most of these boats are powered with Japanese outboard motors but many come to market day paddling these cayucos by hand. On the other side is the town of Rellenos.

From Fronteras the river flows east for a couple of miles. In this stretch there are several marinas and resorts. The river then flows into a long narrow lake called El Golfete. This lake has an island and a large natural anchorage. A few houses and a couple of small businesses line the shore. El Golfete is about 16 km long and a couple of miles wide.

From El Golfete the river meanders for 10 km in a spectacular gorge. The sides of the gorge rise up to 91 m on either side and are covered with teak, mahogany and palms. Wild flowers bloom throughout the foliage and howler monkeys and toucans can be seen. Waterfalls flow over the lip of the gorge after rainfall.

The river enters the Caribbean Sea near the Garifuna town of Livingston.

A great Seminar on how to get a business going without having to spend a lot of money. Justis talks about how its possible to use what he calls the three “S’s” to create successful small businesses that do what you want them to do…in other words make you money and give you freedom rather than taking money and time away from you.

This 38 minute program is a great primer on how to start any business and make it a success.

Video Rating: / 5

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Small Business Opportunities. Big Rewards.

Many people considering a new business opportunity may equate small businesses to small profits. Well it may surprise you to find out that, according to the US Small Business Administration, “small businesses create two of every three new jobs, produce 39% of the gross national product, and invent more than half the nation’s technological innovation.” With such a high representation statistically, small businesses play a huge roll in today’s economy. Whether you’re interested in starting a home based business, retail franchise or one of the many internet based businesses, there are plenty of advantages that extend far beyond mere profits. So for anyone interested taking a break from climbing the corporate ladder and stepping up into the fastest growing section of the economy, the small business market is the right choice.

Be your own boss. This phase has made it into our everyday vocabulary and is usually placed alongside 2.4 children, picket fences, a chicken in every pot and everything else that makes up the American dream. What is it about being your own boss that is so appealing to the working American? It’s the same principal that our constitution is framed around; freedom, and with a small business, freedom is the name of the game. In addition to being your own boss, a small business allows you to choose your own path for your business. This can be expressed in your businesses core values or mission statement, and small businesses are much more conducive to carrying out personal or even political views since your small size will allow you to have your hand on the pulse of your customers. In a small business you set your own hours, work as much or as little as you want. You can lease retail or commercial space for your business or, as with many home based businesses and work at home franchises, you can choose to work from the comfort of your own home, saving money on operation costs and providing big tax breaks for your home office. Small businesses are also given more freedom from the government with less regulation than large firms, low-interest government loans and a slough of national and state sponsored government business grants available.

Noted business author James H. Gilmore in his book, “Authenticity” writes about consumers, “(they) choose to buy or not buy based on how real they perceive an offering to be. Business today, therefore, is all about being real. Original. Genuine. Sincere. Authentic.” Gilmore has written several acclaimed business books about the rise of the new experience-based economy and how today’s consumer is looking for more than just goods and services, they crave genuine people providing uniquely personal, lasting experiences. The small business owner has the greatest opportunity to capitalize on this emerging economy. With large corporations sending more and more work overseas, and relying more heavily on mass production, the small business owner can provide a truly customized experience to their customers that just isn’t possible for large conglomerates. By providing more personal attention to customers, the small business owner is able to cater to their every need, and learn what their individual customers want and need. This creates the ‘real’ and lasting experience that will keep customers coming back over and over again. Couple this experiential advantage with the ability to move fluidly from one idea, business model or demographic to the next, the small business has the flexibility and mobility keep up with the high demand and ever-changing needs of today’s consumer.

The big question on the minds of investors and entrepreneurs alike is profits. Sure, a small business is fun and exiting, but is it financially viable for the average person? Typical small businesses can rely on their personal interaction, higher standard of service and niche-type markets to afford them a higher profit margin that even big businesses. By making more money per sale or service, a small business can generate huge profits. Furthermore, a small business franchise can capitalize on all of the advantages of a small business, but can also save a great deal of money on research and development, marketing and branding and advertising. A small business or franchise may not be for everyone, but if you are looking for an exciting, personal and profitable alternative to the corporate world, a small business or franchise is definitely the best choice.

Find small businesses, home based franchise opportunities and information for entrepreneurs at Franchise Gator.

Lizard Lines (free download read below)
small business
Image by FotoGrazio
Coast Range Fence Lizard
Sceloporus occidentalis bocourtii

This photographic image and many others on my FLICKR page are FREE to DOWNLOAD under the Attributions-NonCommercial-NoDerivs copyright. My images can be used for personal use in both print and digital forms. You may crop, edit, change, manipulate, and composite all or parts of my imagery only for personal use. You may not use these images to generate income, profit, or for any personal, business, or non-profit financial gains. I do sign printed forms of my imagery. Email me for more information.

PAYPAL IT FORWARD – fotograzio@gmail.com. It is always nice to get something for nothing. It’s even better to give something back in return. I appreciate the generous thank you messages from everyone who has used my imagery in the past. If you feel it in your heart to help me through a small donation so that I may continue to provide new and creative imagery for free, please do so through PAYPAL – fotograzio@gmail.com. Whether it’s $.10 or .00 or more, your help will be most welcomed, much appreciated, and forever blessed. If you chose not to, then please pay it forward in some other way that you feel is good for your soul.

My earlier imagery will be made available for free downloading in the future as I re-post them without watermarks, frames and borders. If you need one for use now, email me and I’ll try to re-post it right away with the changes.

Thanks for following me, always, Wayne S. Grazio aka fotograzio

More Small Business Articles

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Why every small business must read this!

Whenever people are venturing into a new business, they give a thought to everything right from stationary expenses to major disbursals for their raw material. However, if you’ve noticed, people never even consider setting aside a part of their budget for installing telephone systems. In today’s times, the importance of communication cannot be underrated. It’s one of the most vital aspects of keeping a business healthy and strong.

The presence of strong technology has enabled even small businesses to flourish due to availability of easy communication channels. All you need today to communicate with people is an internet connection and a few phone systems for small business. Once you open channels of communication for your customers, they will find it better to do business with you. All customers need is someone to listen to them in case of grievances or suggestions. What companies generally do is provide a feedback form on their websites. However, filling a feedback form seems as good as talking to a wall to the customers!

Small business firms can get a simple office phone at cheap costs. There won’t be any need to take special connections from your phone service provider. You can contact a VoIP (Voice over internet protocol) service provider to install VoIP business phone system at your office. Using VoIP, calling becomes extremely reasonable. Even international calls cost a few cents, which is definitely cheaper than the local call rates levied by your local phone provider. Also, the kind of facilities you can enjoy at such reduced costs serves as an icing on the cake. Here are some of the most beneficial features:

* Simple interface: You can call a technician from your VoIP service provider for a demo. He will install a simple interface and instruct you how to use its different functionalities. The interface is really simple to operate and is designed in a very neat manner.

* Automated response system: The phones can be fed with an automatic response system. Till the time your phone is busy, the automated voice can inform the caller about your latest offerings, new developments in the company and even thank them for choosing your company as their first preference. It’s always good to keep the callers entertained while your phone operators are busy.

* Call forwarding/barring: You can avail call forwarding and barring facilities. When one of your employees is busy, the call can be diverted to the immediate next employee who’s free. Call barring facilities allows one to cut calls even without picking, just by looking at the caller’s number that flashes on the screen.

Calls can also be monitored to see if the employees are not making any personal calls! Just as a tip, you can buy an avaya phone, as it supports multiple functionalities.

Command Business communication is Australia’s Leading provider Office Telephone Systems and Business Phones.

Mending Shoes (free to download)
small business
Image by FotoGrazio
A cobbler in Davao City, Philippines poses for an informal street portrait while mending a pink shoe in his streetside shop.

This photographic image and many others on my FLICKR page are FREE to DOWNLOAD under the Attributions-NonCommercial-NoDerivs copyright. My images can be used for personal use in both print and digital forms. You may crop, edit, change, manipulate, and composite all or parts of my imagery only for personal use. You may not use these images to generate income, profit, or for any personal, business, or non-profit financial gains. I do sign printed forms of my imagery. Email me for more information.

PAYPAL IT FORWARD – fotograzio@gmail.com. It is always nice to get something for nothing. It’s even better to give something back in return. I appreciate the generous thank you messages from everyone who has used my imagery in the past. If you feel it in your heart to help me through a small donation so that I may continue to provide new and creative imagery for free, please do so through PAYPAL – fotograzio@gmail.com. Whether it’s $.10 or .00 or more, your help will be most welcomed, much appreciated, and forever blessed. If you chose not to, then please pay it forward in some other way that you feel is good for your soul.

My earlier imagery will be made available for free downloading in the future as I re-post them without watermarks, frames and borders. If you need one for use now, email me and I’ll try to re-post it right away with the changes.

Thanks for following me, always, Wayne S. Grazio aka fotograzio

Find More Small Business Articles

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Use A CredibleBusiness Broker to List Your Small Business for Sale in Sydney

If you have a small business for sale in Australia, a good business broker is able to help you through every stage of the process until the time that you receive payment from the Buyer. Owners sell their business for several reasons, such as family succession, retirement, health problems or it may simply have stagnated. For whatever reason it may be, selling a business is a very complex process which has to be carefully done with the help of a credible broker who has the knowledge and experience to carry out this sensitive project successfully.

Selecting the correct Business Broker to represent you

Business brokers are of great help when you are trying to sell your business as they will guide you through the process seamlessly whilst allowing you to still concentrate on running the business during the sale process. However, you should know clearly what you expect from a broker in this process. If you have businesses for sale in Australia and want an agent to help you, you should enquire as to the procedure the broker intends to follow to market and sell the business. The prospective broker would have discussed with you potential range of the value of your business in the market, before agreeing to sell. He should be open and honest enough to discuss the real value with you and not create unrealistic expectations. In addition, you should feel confident that the broker will maintain confidentiality during thesale process. The prospective agent will need detailed information from you in order to prepare a professional presentation for the sale. You will have to provide documents such as financial statements, the lease agreement, contracts with your vendors and equipment leases, etc. If the required documents are not in order, buyers will move on to others.

How to Sell My Business

‘How to sell my business,’ is an important consideration to consider when you decideto sell. Before you plan to sell, there are some questions you should ask yourself. You should consider if your business is attractive enough to attract buyers, if there has been a history of profit and the trend thereof, competitive advantages, skilled workers, desirable location ( if applicable) and growth opportunities. You need to ensure that you are ready to sell and well prepared for it. The information memorandum should be professionally prepared by your broker. The value your business should be realistic in the current environment so that a reasonable selling price can be offered. The Brokers job is to find out if potential buyers can afford to buy; and to obtain their background information to ensure they have the ability to buy. Before you negotiate the deal, present a selling memorandum.The terms of the transaction should be spelt out in order to take the offer forward.

Mistakes to Avoid While Selling a Business

Sometimes, small businesses commit blunders representing themselves when they put up their small business for sale. When you are planning to sell, utilize the services of a professional broker so that you can plan the sale in advance. Trying to sell in the current market may take longer than before so it is essential to present the business well from day one and this can be done if you have selected the correct agent to market your business for sale who will take into consideration the industry, the economy, similar businesses and the marketplace whensetting a price tag for your business.

Victor John has expertise in the field businesses for sale australia. He suggests using reliable business broker for help to list your small business for sale in Sydney, Australia. Get tips about how to sell my business at www.corebb.com.au

NAVFAC Pacific’s Deputy for Small Business Jennifer McGuire Presents at SAME Forum
small business
Image by NAVFAC
(HONOLULU) NAVFAC Pacific’s Deputy for Small Business Jennifer McGuire informs more than 130 participants who attended the 2013 Society of American Military Engineers (SAME) Pacific Industry Forum of NAVFAC’s small business program during a small business panel at the the Ala Moana Hotel May 8. Other small business representatives with U.S. Small Business Administration, NAVFAC Hawaii, U.S. Army Corps of Engineers and Hawaii Department of Transportation also participated in the panel. (U.S. Navy photo by Christine Rosalin)