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.

7 Stretching Exercises to Help Reduce And Relieve Lower Back Pain

Lower back pain is a fairly common health issue, partly because so many things can cause it.

In some cases, it might be a symptom of an underlying condition, such as kidney stones or fibromayalgia. Other times, it’s simply a side effect of a sedentary lifestyle or reptitive motions.

Regardless of what’s causing your lower back pain, these seven stretches can help to reduce the pain and strengthen the muscles in your lower back.


Lower Back Pain (LBP) affects most people at some point in their lives. In a majority of cases, LBP can be significantly reduced or completely relieved with Pilates. The combination of deep abdominal strengthening, postural awareness, and release and stretching exercises makes Pilates extremely effective in the prevention and treatment of LBP.

The Neutral Spine position taught in Pilates is used as the most functionally ideal or “perfect” posture for our bodies. The strong focus on core (deep abdominal) strengthening creates stronger support muscles for the spine. By implementing these techniques into your everyday life, you begin to fix the problem at the cause, rather than only treat the symptoms.

The exercises below can be used as a guide to relieving non-specific LBP (i.e. not as a result of an acute injury or condition), and are recommended to be done daily to most effectively treat and prevent LBP.

1. Pelvic Tilt or Imprinting

This simple but effective exercise gets the deep core muscle switched on and builds strength in the support system of the spine.


How to:

  • Lay on your back in Neutral Spine (relaxed back muscles and natural curves), knees bent and feet flat on the floor.
  • Breathe out and gently engage and “lift” pelvic floor muscles (those that stop you from urinating), then pull the navel in toward the spine so that the lower back ”imprinted” into the floor.
  • Breathe in and relax the muscles and return to Neutral Spine.

2. Chest Lift

Core and abdominal strengthening exercise.


How to:


  • Lay on your back in Neutral spine, knees bent, feet flat on the floor and hands behind the head. Pelvic floor and other core muscles engaged.
  • Breathe out and lift the head and chest keeping the stomach pulling flat (not doming toward the ceiling), and pelvis still (not tilting toward you.)
  • Breathe in to lay the head back down.

Progression: Legs at table-top.

3. Supine Spinal Twist

Rotation helps to stretch the back muscles and controlling this movement also helps to strengthen the oblique muscles to further support the spine.


How to:


  • Lay on your back, knees bent, feet flat on the floor and arms stretched out to the sides.
  • Keep knees squeezed together (you may want to use a towel to help), slowly take the knees over to one side, keeping shoulder blades in contact with the floor.
  • Breathe out pulling your navel into your spine and drag the knees back to the centre.
  • Repeat the exercise 3-5 times to each side, alternating sides.
  • You may choose to also hold the stretch position for 10-15 seconds.

Progression: Legs at table top.

4. Hamstring and Hip Flexor Stretch

There is a strong correlation between LBP and tight hamstrings and hip flexors. Stretching these muscles helps to immediately relief tension in the back and continued stretching over time will help improve the posture in the lower back.


Hamstring Stretch:

How to:

Lay on back. One leg bent (foot flat on the floor) and other leg lifted straight towards the ceiling. (Use a towel or resistance band to hold leg up if needed)
Keeping leg straight, pull the leg towards you as much as possible without twisting, until you feel a stretch.
Keep breath flowing and try to relax.
You should feel a stretch in the back of the thigh.
Hold for 15-20 seconds and then repeat with the other leg.


Hip Flexor Stretch:

How to:

Kneel on ground with one leg forward (foot flat on the ground). Lift tall in the spine and keep the navel pulling in, then tuck the pelvis under (opposite to poking your bottom out).
You may start to feel a stretch in the front of the hip. Bring weight forward onto front leg if more stretch is required.

5. Roll Backs

Moving the spine using the abdominal muscles as done in this exercise, helps to not only stretch and relieve tension in the back muscles, but also helps to strengthen the core and abdominals. It immediately creates a greater ease of movement in the spine.


How to:


  • Sit tall with the legs bent comfortably out in front and feet on the floor. Hands placed on the back of the thighs.
  • Breathe out and begin curving the spine starting from the tailbone, rolling backwards until arms are straight and the whole spine is curved in a C-shape.
  • You should feel as though the navel is the furthest point pulling backwards.
  • Hold there and breathe in.
  • Breathe out and bring the body forward, keeping the C-curve, until shoulders are over the hips, then stack the spine up to a straight, tall position.
  • Repeat 6-10 times.

Tip: Try to keep the pelvic floor lifted and each vertebra lifted off one another throughout the entire exercise, rather than a sinking feeling into the curve.


6. Kneeling Arm and Leg Reach

This exercise works the entire stabilising muscle system for the torso.


How to:


  • Kneel on all fours, ensuring the hands are under the shoulders, the knees are under the hips, and the spine is in neutral.
  • Without moving the torso at all, reach one arm forward and the opposite leg back keeping the finger tips and toes on the ground.
  • Lift the extended arm and leg off the ground, keeping the navel pulled in to help stabilise the torso.
  • Hold for a few second before bringing the hand and leg back down and to the start position.
  • If you’ve had to readjust, you will know if you have moved the torso during the exercise.
  • Try to correct this with each repetition.
  • Repeat 3-5 times each side.
  • If you find it too difficult to control the torso and spine when lifting the arm and leg, you can omit the lift until you have the strength in the core, or do the entire exercise but with arms and legs separately.

7. Sphinx stretch

The sphinx stretch is a gentle backbend that allows you to be both active and relaxed. This baby backbend stretches and strengthens your spine, buttocks, and chest.


How to:

  • Lie on your stomach with your elbows underneath your shoulders and your hands extended in front, palms facing down.
  • Set your feet slightly apart. It’s okay for your big toes to touch.
  • Gently engage your lower back, buttocks, and thighs as you lift your head and chest.
  • Stay strong in your lower back and abdominals, breathing deeply.
  • Press your pelvis into the floor.
  • Gaze straight ahead or gently close your eyes.
  • Hold this pose for 1 to 3 minutes.


Progression: Plank

As always, it is recommended to consult your doctor or specialist before beginning a new exercise program if you do suffer from LBP. Depending on the cause, some exercises may not be advisory. In some cases, it may also be necessary to be under the supervised guidance of a qualified Pilates instructor.

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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. 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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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