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.

10 Genius Tips to Organize Your Refrigerator-With Inspiring Before & After Photos!

I have provided 10 tips on how to organize your refrigerator - It only took us a couple hours. Yep - literally took us like 2 hours to finish something that has bothered me for a year. Excuses much? Everything looks amazing now.. check it out!

I have always wanted a refrigerator that looks like it stepped off the pages of Pinterest or Home Edit (If you’re not familiar with Home Edit… I’ll share a couple of their organization photos below.. they are AMAZING!!).

Completely inspired by our DIY project we put together 10 tips to help you organize your fridge just like we did.. and our process literally took us just 2-4 hours. We left the house at 12pm and finished by 4:30. (Keep in mind that we hit 2 clothing boutiques and Nothing Bundt Cakes… as well as the Container Store.. so we made great time ;)

Tip One: Look up inspiration pictures of different organized fridges that you love on Pinterest.

The ultimate inspiration for me hands down is Yolanda Hadid’s fridge, back when she was a Foster on Real Housewives of Beverly Hills. I remember watching the episode where it showed her refrigerator and I think I almost died. It was beautiful and so unconventional in every way – a completely see through/clear glass refrigerator. It captured the nation. It even has it’s own twitter account, yes a fridge has a twitter account.

It’s crazy, you can see photos online of people standing in it and it looks like it’s 14 ft high..

These are some of the pictures that we took into consideration before we started and wow.. These are amazing.

This picture is what ultimately inspired us because it’s so real. Clearly kids live in this house, there are Lunchables and Capri Suns in bins (I’m pretty sure Emma keeps those in her fridge though so… who knows ;) and these parents are still this organized. Amazing!

Once you have some inspiration to help guide you through the process, make sure to take a screenshot of it with your phone. You’ll want to bring these with you to the store later!

Our “Before” Shots:

So many sauces & things without a purpose or home! I hated looking in here…

Tip 2: Take Pictures of Your “Before” Fridge.

Similar to the before & after weight loss shots, taking before & after shots of your fridge will help you in multiple ways.

  • It’s always nice to compare the before to the after. Admire your hard work!
  • Taking the before photo is helpful when choosing your organizing tools while you’re at the store. When we were selecting our bins, it really helped us to see the photo to understand the layout & metrics of the fridge.

Tip 3: Clean out your fridge.

Rid your fridge of old items you simply don’t use. Hand off some of these sauces to friends/family – we had so many half used sauces that were crowding the top of our fridge and it just looked so messy. Simplicity is key to organizing and looking clean.

  • When you’re at the grocery store, try to buy smaller bottles. They don’t take as much space & it keeps things fresher. (If you’re a large family and utilize the Costco size route – this may not apply. I totally understand.. Jeff grew up in a family of 8!)

After you empty your fridge, you can decide if you want to take part in the second half of tip 3: actually cleaning your fridge. Since you’re already in the trenches and throwing away older food, you may want to start cleaning your fridge from top to bottom before buying your bins anyways. (Of course that means you have to pull things out twice, but it depends on how you can utilize your time.)

  • Remove all of your food items and place them on your counter.
  • I use warm soapy water to clean my fridge with a sponge, but you can also use vinegar and water to clean all the different drawers and shelves.

After you finish cleaning, put all of the food that you know you want to keep.. back in the fridge. Retake photos of the refrigerator now that it’s starting to look a bit better!

Tip 4: Take measurements of your fridge.

This tip seems obvious but I always need to remind myself to measure. There are so many shapes & sizes of bins at the store. It seems as if they have a bin for every awkward space. While you may think you know the size, believe me – you’ll regret it when you have to return everything because you were 1/2 of an inch off.

  • Take measurements of every single thing that you can. Each different shelf may have a different depth or height! All 3 of my shelves had different heights and depths.. who would have thought that?!
  • After you take your measurements, put them in your notes on your iphone or wrote them on a piece of paper (I definitely would lose that paper in my purse forever. I’m more of a Apple Notes kind of gal. :)
  • Make sure to bring your measuring tape to the store to use there too.

Tip 5: Research and Head to The Store of Your Choice.

There are a million different places to get bins, so this part is really up to you. I’m lucky to have a Container Store near me so that’s where I go for everything.

  • Of course places like Target, Walmart, and more have bins – but the nice part about going to a niche organization store is that they have wayyy more product selections (especially bins. They must house thousands of bins in one store!)

If you’re not near the store of your choice – Online shopping is literally a god-send and most places have free shipping after you spend a certain amount anyways. We are huge online shoppers…

Tip 6: Bin Selection

Like I said earlier, there may be millions of bins in the world to choose from at the store. Colorful, white, see through, patterned, cut outs, squares, rectangles… just to name a few of the options you may have to decide between.

We picked out the InterDesign Linus Large & Xtra Large Pantry Binz – based on our professional organizer’s advice. Once we got to the actual store and explained to one of the ladies what we were looking for, she lead us in the same direction and showed these “pantry bins” which she said work great in the fridge as well.

As we looked at a literal wall of these InterDesign bins, we looked at our measurements and looked at the photos of our fridge to make sure they would fit. It was very simple because we did our homework beforehand. We went with the Large & Xtra-Large sizes because they fit in our commercial refrigerator perfectly, but there are other sizes if you have a smaller space to work with.

I personally love the look of clear bins in the fridge because you can still see what’s inside without having to pull out every bin every time you’re looking for something. But what the bins do is help utilize the entire space between each shelf. We can stack a lot in each bin – also it’s really nice for the excess produce because those look messy when they are sitting on the shelf & don’t stack on top of one another alone.

Here are what the bins we bought look like outside of a refrigerator – aren’t they nice? Durable and not too thin.. that’s what I loved!

Our top shelf has an awkward depth because some of the fridge juts in a bit in the back, so we opted for a different size of bin. We also changed the style to a white with little cut out squares to hide Jeff’s cooking sauces (bbqs, salsa, hot sauce, etc). It’s called the Like-It Bricks 11″ Medium Tall White Bin.

Tip 7: Head to your local grocery store.

This is when the fun begins! Because you cleared out your fridge earlier, you are probably in need of some new items – this is when you begin color-coding & thinking about how you want your fridge to look but still make it functional for you and your family.

For my family – it’s just Jeff & I now and we are leaning towards eating as much fresh fruits and veggies as possible. I don’t need to house much in the refrigerator besides that, because we tend to go the grocery story a few times a week to get whatever protein we may need, fresh. (Fish or chicken usually).

Because this is day 1 and I wanted to really show you how beautiful the design of the organization can look, I bought the most colorful and delicious fruits and vegetables that I could find at whole foods. Do I need all of this? Definitely not! Lol – Emma will be taking home half of it.

For me personally, I am trying to ween off of diet sodas so I’m sticking to the La Croix’s – and they look so pretty all color coded in the refrigerator anyways! Win-win if you ask me, I bought a couple packs of them at the store. Click to shop the berry & lime flavors.

We bought all the fruits and veggies we could as well as juices (Emma loves the pressed juices from Whole Foods and I’m trying to get into them too!).

Tip 8: Organize By Bins & Shelves

By now you probably have a plan of where you will put each different type of item you purchased… but if you haven’t – it’s to have a cohesive look with the clear bins. We organized it with veggies in our pull out drawers, and all the fruits on another shelf separated in different bins. Our middle shelf has majority of the fruit in it again (we eat a lot of fruit around here) as well Maggie’s fresh dog food from The Farmer’s Dog (If you’re interested in getting fresh food for your dog, click here for 50% off your first order!) as well as our Chobani Yogurts.

We opted to put some juices in one of the shelves because we think it looks nice for the photo – of course that bin may change depending on what we are purchasing from the store that week – maybe leftovers wrapped up, dessert, whatever. It’s nice because the bins will separate everything and keep it looking great.

Clean all of the new bins out with warm water & soap, and then start organizing away! It shouldn’t take too long unless you have a huge fridge.. it took Emma and I maybe an hour at most?

Tip 9 – Labeling

We opted out of this step because everything is clear & I like leaving it a little more clean looking. I do find that labels work extremely well however if you use white or opaque bins that hide what’s inside.

As seen in above photos, The Home Edit loves to label bins and drawers with an erasable pen in a pretty script. If you have nice handwriting, I love this idea! Not only can you change what it says on a dime, but you don’t have to deal with sticky stickers or adhesive tape when you make changes.

Tip 10 – Pat yourself on the back. Enjoy your prize space before your family comes in and destroys all your hard work. ;)

I’m just kidding – real life is going to happen no matter what… That doesn’t mean that we can’t keep trying however!!

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Great tips and tricks for SMEs Thinking of starting a business can be one of the most stressful decisions of your life. We all live in a world where we want to make more money and increase our income. Most people do this by winning advice from big companies. When he starts a business, he has to be ready to compete. You don't have to be rich or famous to be successful in business, but it's important to know that you do have to think carefully. So, there are lots of secrets to think about and lots of places to travel. 10 valuable tips for a successful business. Tip 1: Get inspired and loving tips Every business starts with an idea that you may have thought of opening your own business over the years. Or the motive may appear suddenly. Regardless of the source of your knowledge, the first step in starting a business is to find a business idea. And however important your views are, you must like them. Tip 2: Analyze / learn all about your business You've recognized your big idea, now it's time to balance it with the reality. Are you truly ready to start a business? Answer the questions below and see what you need to prepare yourself for business. For a small business succeed it must fulfill a need, solve a problem or offer something the market wants. You can identify this need in many ways by doing research, focus groups, and even trial and error. As you search the market, some of the questions can be: • Is there a need for your anticipated services or products? • Who needs it? (Target Costumers) • Are there other companies offering similar services or products right now? • How is the competition? • Can or how will your business fit into the market? Tip 3: Create a business plan You need a business plan to keep your business advice alive. If you want to seek financial assistance from an investor or financial institution, a structured written business plan is a must. Even if you do not need financial assistance, a simple business plan can give you exactly what you want to achieve and how to manage it. In general, your business plan should summarize your business goals and the motivations behind them and summarize your plans to achieve your goals based on sales and revenue. Tip 4: Financial planning Starting a small business may not cost a lot of money, but it will invest some money. There are several ways to support your small business: • With Small business grants • By Financing • With Small business loans • Or Angel investors You can also attempt to get your business off the ground by bootstrapping, using as little capital as necessary to start your business. Tip 5: Business Structure Your small business can be an individual ownership, a partnership, a limited liability company (LLC) or a corporation. The business structure you might choose will impact in many factors from your business name, to liability, and how you file your taxes. You can choose an initial business structure, and with time re-evaluate and change your structure as your business grows and needs to be changed. Tip 6: The Business Name The name you choose plays a role in almost every aspect of your business, so you want it to be a good one. Make sure you think through all of the possible consequences as you explore your options and select your business name. Once you have selected a name, there is the need to check if it's trademarked, currently in use and if stills free you will need to register it. A individual proprietor must register their business name with either their state or county clerk. Corporations, LLC, or limited corporations usually register their business name when the creation paperwork is filed. These days you need to have a website, so please don't forget to register your domain name once you have selected your business name. The best domains and more valuable online are the ones ending with .com. Tip 7: Licenses and Permits There are a range of small business licenses and permits that may apply to your situation, depending on the type of business you are starting and where you are placed. You will need to inquiry what licenses and permits apply to your business during the initial process. Tip 8: The Business Location Setting up your place to work is essential for the operation of your business, whether you will have a home office, a shared or private office space, or a retail location. You will need to reflect about your place, equipment, and overall setup, and make sure your business place works for the kind of business you will be doing. Tip 9: Accounting System One of the most essential systems for a small business is an accounting system. Your accounting system is essential in order to build and manage your budget, set your charges, conduct business with others, and file your taxes. You can set up your accounting system by your own, or hire an accountant to take away some of the work. Tip 10: Promote Your Small Business As soon your business is up and running, you need to start attracting customers. You'll want to initiate with the essentials by writing a single selling offer and building a marketing plan. Explore as many small business marketing ideas as you can so you to choose how to promote your business most successfully. Completed these business start-up actions, you will have all of the most important small business bases protected, and be prepared for small business success. 15 Business Ideas to Generate Extra Income If you want or need to start a side job because you still need to wait a little bit longer to start your own business, here are 15 suggestions for you. 1. Make money Blogging If you enjoy writing, find a theme you're passionate about and start a blog dedicated to covering that theme and anything else interesting you enjoy to talk about. All you need is a laptop, some time, and inspiration to consistently write. It can start as a hobby and turn into a business over time. Creating a blog is free, but if you want to look professional it can cost less than $ 12 per month. 2. Buying or selling on eBay Thanks to internet there are more opportunities to make money than ever to buy and resell products for extra money. There are lots of people buy at a discount and resell them on eBay for profit. 3. Freelance writing If you're great with words, you might be capable to find some work as an online freelancer. A variety of publications need online content in the form of product, stories, service descriptions, and reports, and if you have the talent and ability, you could easily be the one to create them. Luckily, all you need is a computer and Internet connection to get started. You can start here 4. Social media expert Now a day almost everyone uses Facebook, Twitter, and Pinterest, but did you know that many companies are willing to compensate people to support them managing their social media accounts and sometimes you can do it part-time from home. If this appeals you, to find social media jobs you can start by writing companies with a social media presence and visiting sites like for opportunities. 5. Proofreading and editing Do you have strong English skills and outstanding grammar? You may have chances to work as a proof-reader from home. Marketing for this can be hard; seek out those who might actually be able to use your services and advertise directly to them. 6. Virtual assistant Many companies and individual professionals like having someone who can check and answer their email, organize task lists for them, someone who can update their calendars, and perform other administrative tasks, with minimal communication. The best of being a virtual assistant is that you can offer this service from home with a good Internet connection. 7. Website design If you know a little bit about web design you can approach small businesses in your community, as they could use a very basic web presence to tell others about their business. These businesses usually don't have a large budget for websites and create a great yet simple website is for you, get a bunch of clients from your local community, create sites for them, and maintains them for a small fee. You can easily get enough businesses to have a nice side business of your own with a low investment. 8. Affiliate marketing Certain types of online businesses will pay you to promote their products and encourage sales. If you're interested in learning more, check out affiliate marketing programs such as Click-bank, Commission Junction, and these websites are trustworthy and you can earn money by posting their products in your blog, website or Facebook. The secret of online business is all knowing targeting the right public and marketing efficiently. It can be overwhelming with all the information available online as more than 50% of the information is just a waste of time. 9. Become a business or life coach If you are a good speaker and passionate about the business world and able to inspire and encourage others in a unique way, you could marketing your services as a business or even a life coach. Take your passion and expertise to the next level giving advice and suggest actionable steps people can take to progress their professional and private lives. 10. Start a resume writing service If you're excellent at writing remarkable resumes that in the end result in people getting the job, contemplate advertising those services. Most of your work will spin around writing, editing, designing, and proofreading, so you will only need few supplies outside of your computer and basic software to get started. 11. App Developer Web app development is the creation of application programs that reside on remote servers and are delivered to the user's device over the Internet. Now a day you can do apps with software's you don't really need to be a weirdo to do it, you can be an app developer for Facebook for instance and of course you can do it part-time and home based. 12. Business Consultant If you are high organized and skilled being a good problem solver this job is for you. Companies bring Business Consultant to identify their problems, provide solutions and optimize companies. The only investments are your skills. 13. Data Entry Service Many companies and online businesses require some type of manual information tracking, creating a vast amount of data entry work. Although there are many work-at-home scams related with data entry work, there are a lot of genuine chances available for genuine data entry businesses. If you are an excellent typist with an eye for detail, a data entry business is a great idea for you. 14. Freelance Writer If you have the skill to write and inform people in a certain area, you can write small books or guides and sell them online, the biggest books platform is, where you can display your books for free and when they are sold, you will receive a percentage from the selling. Payments are made every month depending on your sales. Investment is only your time to write and imagination. 15. Internet Researcher The Internet provides a vast amount of information. If you can quickly and efficiently navigate through that wealth of information, and essentially find a needle in a haystack, you can create a very successful business as an Internet researcher. Search for this kind of job online or about a company which is looking for this of service. I give you only a glimpse what you could do, and these are just a few ideas, but many ideas were left behind. First of all I advise you to think what you like to do as a hobby or in your free time, why don't you make profit from what you are doing already? You have the world as your disposal, but for a business to work out the first thing from all things is, it doesn't matter what you intent to do, but you have to love it. If you love what you do it doesn't feel like a job, you will be doing it with joy and this way you will be successful. There are some side business opportunities that have grown more common in the past few years. And thanks to internet you have much more opportunities, ideas and help to develop your business to be more good businness.

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