How to Get Financing For Your Small Business In today's hostile economic environment, access to capital is a key factor that distinguishes companies that can grow and gain market share from businesses that experience significant declines in revenue. The reason is because many small companies have seen their sales and cash flow decline significantly, so many companies close their doors, while many large US companies can increase sales, open new retail operations and increase earnings per share. because small companies always rely on traditional commercial bank financing such as SBA loans and unsecured credit, while large public companies have access to public markets such as the stock market or bond market to access capital. Prior to the 2008 financial crisis and the ensuing Great Depression, many of America's largest commercial banks had simplified fiscal policies and openly lent to small businesses with good credit rating and industry experience. The vast majority of these business loans consist of unsecured credit loans and unsecured installment loans. Often these loans are fully supported by the personal guarantee of the employer. This is why a good personal loan is needed to get an approved business loan. During this period, thousands of small business owners used business and credit loans to access the capital they needed to finance their working capital needs, which included salary costs, equipment purchases, maintenance, repairs, marketing, tax liabilities and opportunities. connection. Easy access to these capital resources allows many small businesses to grow and manage their cash flow needs as they emerge. However, many business owners become overly optimistic, with many setting strong growth forecasts and increasingly risky bets. As a result, many ambitious business owners begin to expand their business operations and take out large loans from small business loans and credit to look forward to the opportunity to pay off heavy debt burdens through future growth and increased profits. As long as banks adhere to the "easy money" policy, the value of assets continues to increase, consumers continue to spend, and business owners continue to increase by increasing leverage. But in the end this party will end abruptly. As the 2008 financial crisis began with the sudden collapse of Lehman Brothers, one of the oldest and most well-known banking institutions on Wall Street, financial panic and epidemics spread through the credit market. Subsequent credit market freezing caused the US financial system to stall. Banks stopped lending yesterday and suddenly ran out of easy cash, which pushed the value of assets, especially house prices, to rise in recent years, which has now led to a sharp decline in the value of similar assets. When the value of an asset increases sharply, the balance sheets of commercial banks decline and stock prices fall. Gone are the days when you could easily make money. The party is officially over. After the financial crisis, the global economic crisis led to a gap in the capital market. The same commercial bank that lends money freely and easily to small traders and small business owners now has no capital on their balance sheet. Banks threaten their very existence. Almost immediately, many commercial banks blocked further access to corporate credit lines and asked about outstanding business credit balances. Small businesses that rely on these working capital credit limits can no longer meet their cash flow and debt needs. Many small businesses are unable to cope with sudden and dramatic declines in sales and profits. Because many of these small businesses create millions of jobs, the unemployment rate rises each time one of these businesses collapses. As the financial crisis intensifies, commercial banks are moving towards a starting point that ultimately threatens the collapse of the entire financial system. Congress and the Federal Reserve are leading taxpayers to fund the entire banking system, but the damage has already occurred. Tens of billions of dollars are being put into the banking system to balance inefficient institutions. However, in the process, there is no provision for these banks to lend money to consumers or private companies. Rather than using a fraction of this tax to support small businesses and prevent unnecessary business disruptions and increased unemployment, commercial banks continue to deny access to thousands of small business and small business owners. Even after receiving savings accounts funded by past taxpayers, commercial banks take the "for everyone" attitude and continue to limit access to credit and credit limits, regardless of credit ratings or timely payments. Small business bankruptcy is on the rise, and the unemployment rate is still high. At the same time, the lack of capital generated by commercial banks means that SMEs do not exist, so that large public companies can survive and grow their businesses. Most importantly, they can increase their shares by issuing debt through the bond market or by issuing shares through the stock market. Thousands of small businesses have been taken over by banks that have closed existing commercial credit lines and refused to provide new small business loans, while large companies have raised hundreds of millions of dollars in new capital. Even in mid-2012, four years after the outbreak of the financial crisis, most SMEs were unable to access capital. Commercial banks continue to encourage unsecured loans to almost all small businesses. To get the slightest chance of getting a deal for a small business loan or corporate loan, the small business must have some type of collateral that the bank can easily sell for the same amount as a corporate loan or corporate loan. Small collateral businesses, even through the SBA, have few options for obtaining loan approvals without important collateral such as equipment or inventory. When a small business cannot provide collateral for a small business loan, a commercial bank will ask the small business owner to get a loan with their own assets or personal assets such as home ownership or cash. Check, savings or retirement accounts such as a 401k or IRA. The latter situation jeopardizes the owner's personal wealth in the event of a small business failure. Additionally, almost all small business loans require not only personal credit and a good FICO score, but also personal guarantees. Finally, financial reports for years, including corporate tax returns, have demonstrated the need for sustainable profitability in nearly all small business loan applications. A failure or lack of ability to provide any of these stringent requirements will often result in an immediate denial in the application for almost all small business loans or commercial lines of credit. In many instances, denials for business loans are being issued to applicants which have provided each of these requirements. Therefore, being able to qualify with good personal credit, collateral, and strong financial statements and tax returns still does not guarantee approval of a business loan request in the post financial crisis economic climate. Access to capital for small businesses and small business owners is more difficult than ever. As a result of this persistent capital vacuum, small businesses and small business owners have begun to seek out alternative sources of business capital and business loans. Many small business owners seeking cash flow for existing business operations or funds to finance expansion have discovered alternative business financing through the use of merchant credit card cash advance loans and small business installment loans offered by private investors. These merchant cash advance loans offer significant advantages to small businesses and small business owners when compared to traditional commercial bank loans. Merchant cash advance loans, sometimes referred to as factoring loans, are based on the amount of average credit card volume a merchant or retail outlet, processes over a three to six month period. Any merchant or retail operator that accepts credit cards as payment from customers, including Visa, MasterCard, American Express, or Discover, is virtually guaranteed an approval for a merchant credit card advance. The total amount of cash advance that a merchant qualifies for is determined by this three to six month average and the funds are generally deposited in the business checking account of the small business within a seven to ten day period from the time of approval. A fixed amount is set aside for the return and the advance plus interest is determined when the advance is approved by the lender. For example, if a retailer or retailer processes their customers' credit cards every day, the average total monthly credit card is $ 30,000. If the buyer is up for a $ 30,000 advance and the factor level is 1.20, the total return is $ 30,000 - plus 20% off the $ 30,000, that $ 6,000 - for a full refund of $ 36,000. Therefore, the trader will have a deposit of $ 30,000 in the current trading account, and a total of $ 36,000 will be returned. Returns are made by a specified deduction from the prospective merchant's daily credit card sales - typically at a rate of 20% of all processed daily credit cards. Therefore, the merchant does not need to write checks or send money. The fixed rate is easily deducted from the sale of future credit until a total of $ 36,000 is repaid. The advantage of this type of financing from a commercial bank loan is that the financial progress of the trader is not reflected in the personal credit report of the business owner. This effectively separates the personal economy of the small business owner from the small business finance. The second advantage of commercial credit card enhancements is that the approval does not require a personal guarantee from the business owner. If the company is unable to repay the loan in full, the business owner will not be liable personally and may not be required to provide a personal guarantee as a guarantee of business development. Owners of financial transactions related to commercial debt of banking companies that require a personal guarantee, cancel and business owners are always forced to go into personal bankruptcy if their business fails and the balance of the remaining debt is not repaid. A unique third feature is that prepaid credit card sellers do not need collateral as an additional guarantee on the credit. The following credit card lenders lose money, so there is no extra guarantee. This type of financing is another exciting option for buyers because most small businesses do not have a tangible vehicle other than the traditional promise of traditional bank loans. Thousands of online stores are looking to reach the capital. These companies as creditors do not have much support and are automatically rejected by ordinary loans. Finally, credit card prepayment approval does not rely on strong or absolute personal debt from the employer. In fact, the employer's debt can be terrible and the FICO score can be low, which does not prevent the company from accepting payments. Employer credit is usually checked only for the purpose of determining the share rate to pay off the value of a loan. However, even business owners who have just experienced personal losses can qualify for a credit card guaranteed loan. Loans for the development of merchant credit cards are provided by a network of retail investors, so these lenders are not dominated by new capital requirements that limit the industry. Commercial bank. Pre-approval of the seller is defined by the underwriting guidelines developed by the private sector lenders of the network. Each loan application will be reviewed and followed up on a case-by-case basis, and approval will be issued within 24-48 hours of receiving the complete application, including 3-6 months. Previous debt report. Credit card seller.

Delicious Keto Zucchini Bread (Gluten Free & Low Carb)

You’ll love this moist and delicious keto zucchini bread. It’s slightly sweet, packed with hidden veggies, and topped with crunchy walnuts. Yum!

Zucchini bread is a great recipe to make in the summer when your garden is overflowing with zucchini, and you need to find a way to use them all up! But this recipe is so tasty that I predict you’ll want to make it all year round.

I love making low-carb recipes that recreate the taste of my favorite traditional recipes. And this recipe definitely does the trick. This zucchini bread is so good, you won’t believe it’s low carb!

This recipe for keto zucchini bread with walnuts has just the right amount of sweetness. It’s not as sweet as a cake, let’s say, but perfect for breakfast or an afternoon snack with coffee.


Ingredients:


  • 1/2 cup butter softened
  • 3/4 cup erythritol sweetener, like Swerve
  • 5 eggs large
  • 1 tsp vanilla extract
  • 1 1/2 cup almond flour
  • 1/4 cup coconut flour
  • 4 tsp baking powder
  • 1/2 tsp xanthan gum
  • 1 tsp cinnamon
  • 1/2 tsp salt
  • ½ c chopped walnuts
  • 2 cups grated zucchini, about 8oz by weight


Instructions:


  1. Preheat the oven to 350°F. Grease a 9"x5" loaf pan, and line with parchment paper.
  2. In a large mixing bowl, cream the butter and sweetener together until light and fluffy.
  3. Add the eggs, one at a time, and mix well to combine. Stir in the vanilla.
  4. In a separate bowl, stir together the almond flour, coconut flour, baking powder, cinnamon, xanthan gum, and salt. Break up any lumps of almond flour or coconut flour.
  5. Add the dry ingredients to the wet ingredients, and stir to combine. (Optionally, add up to 1/2 cup of mix-ins, like chopped nuts or chocolate chips.)
  6. Add the grated zucchini, and fold it in gently.
  7. Pour the batter into the prepared loaf pan. Bake for 50 - 55 minutes, or until a toothpick inserted into the center of the loaf comes out clean.
  8. If the bread is browning too quickly, you can cover the pan with a piece of aluminum foil.


NOTES:

TIPS FOR BAKING WITH ZUCCHINI:

  • This keto zucchini bread recipe starts off with — you guessed it — fresh zucchini. Zucchini adds moisture, texture, and tons of nutrients to baked goods.
  • I like to grate fresh zucchini using a standard box grater, but you could also grate it with the grater attachment on a food processor.
  • For this recipe, I don’t usually need to remove excess moisture from the zucchini before I add it to the batter. That said, if your zucchini seems especially watery, you may want to remove some moisture before you add it to the bread batter. To do this, use clean hands to squeeze the grated zucchini over a bowl to remove excess moisture. Or, you can place the grated zucchini in a sieve over a bowl and press on it with the back of a spoon to remove moisture.
  • Another tip I recommend is to add the zucchini at the very last stage of the mixing process, and to fold it in gently until just combined.


BAKING WITH LOW CARB FLOUR ON THE KETO DIET:

  • This keto zucchini bread calls for a handful of low-carb baking ingredients. Almost all of them are pretty common — like butter, eggs, baking powder, and salt. And if you do some low-carb baking, you probably already have the rest of them on hand– like almond flour, coconut flour, xanthan gum, and sugar-free sweetener.
  • Now that gluten-free and low-carb diets are becoming more popular, its easy to find almond flour, coconut flour, and even xanthan gum in your local grocery store. If not, you can pick some up online on Amazon.
  • Almond flour is a great low-carb substitute for traditional flour. Look for a blanched almond flour with a super-fine texture for best results. Try to avoid the coarser almond meals, as using it will make your bread too dense. 1 cup of almond flour has about 10 net carbs.
  • Coconut flour is another useful, high fiber, low-carb baking ingredient. Coconut flour is made from ground and dried coconut meat. A little bit of coconut flour goes a long way, so this recipe call for just ¼ cup. ¼ cup of coconut flour has about 6 net carbs.
  • Xanthan gum is a binding agent that takes the place of gluten in this recipe. You can find it in the baking aisle or online.
  • And finally, erythritol (Swerve) gives this keto zucchini bread a bit of sweetness. Even though I used erythritol, you can use any sweetener you like. If you aren’t following a keto diet, you could even use honey or coconut sugar. And all that said, feel free to adjust the sweetener amount depending on how sweet you like your keto pancakes. Remember that most of the sweetness will come from the syrups and toppings you choose.

TIPS FOR KETO BAKING:

  • Keto bread recipes can be a bit trickier to make than traditional wheat flour recipes. Here are some tips to help you make the best keto zucchini bread.
  • Finely grate the zucchini, and wring out excess moisture if necessary.
  • Use a good quality non-stick pan, and prepare it with non-stick spray and a parchment paper “sling” to help you remove the bread once it’s baked.
  • If you find that your zucchini bread is browning too quickly, you can cover the pan with foil. You can cover the pan for the last 15 minutes or so of baking so that the top doesn’t over-brown.
  • Let the zucchini bread cool in the pan. Gluten-free quick-breads are tender and crumbly when warm. So, it’s best to let the zucchini bread cool in the pan before slicing it.


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