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 Foods You MUST Eat If You Want A Flat Belly #burncalorie #fatburn

Just because you are busy it does not mean you should let yourself go!

And is there a better time to lose weight than right now?

You might think losing pounds means more exercise right?


Wrong! The majority of weight loss comes from eating healthy.

It’s hard to lose weight in this generation of ‘Healthy Eating’, countless different types of diets have been thrust in our faces.

For example, we have the paleo diet, the Mediterranean diet, the Atkins diet, Weight Watchers, Jenny Craig and so on.

It can be difficult trying to follow along and keep up.

What counts as healthy food? What should you be eating? What shouldn’t you be eating? How much of this should you eat?

It can all be overwhelming, even for the experts!

To calm the confusion a little, here are some staples that should always be included in your diet every day.

By eating these healthy foods that contain the macro-nutrients and micro-nutrients that your body desires, you will improve how you feel and how you look on a daily basis.

These are the healthy foods you should be eating everyday for weight loss.

1. Eggs


Simple, I know. But eggs are a food that should be a staple in your everyday diet, and here’s why.

Firstly, in one large-sized egg, you will find around 7 grams of protein, with 6 grams of fat and minimal carbohydrates.

Not only does an egg contain a lot of protein, but it also contains high-quality protein.

This is measured by the different types of amino-acid chains found in the protein source.

In eggs, these chains are found in the correct ratios to make it the most effective source of protein.

This is great for your body’s recovery, muscle repair and skin repair.

For those of you looking to lose some weight, eggs can be phenomenally effective as well, containing a good protein and healthy fat content, this keeps people feeling fuller for longer, supporting your dieting efforts.

Furthermore, the micro-nutrients that are found in the yolk of the egg are great for supporting your body functions.

In one large-sized egg, you will find small amounts of almost every vitamin and mineral recommended in your recommended daily amount.

The vitamins found in the highest quantities include; Vitamin B12, Vitamin A and Selenium to name a few. All this from just one egg.

And the best part of eggs; are the many different ways you can make them!

Depending on how you feel, you could have them scrambled, over easy, sunny side up, etc.

This makes them the ideal healthy food you should eat every day.

2. Sweet Potato


If you’re looking for a healthy carbohydrate source, look no further than the sweet potato.

These orange spuds are filled with micro-nutrients to improve your health.

In just one potato, it contains 400% of your daily recommended vitamin A, making it very nutrient-dense whilst containing fewer calories than a regular, white potato.

This complex carbohydrate takes longer to break down and digest than its simple carbohydrate counterpart, leaving you fuller for longer and reducing the chances of snacking during the rest of the day.

It has high fiber content and has heavy links with reduced blood sugar and insulin levels, important for those who suffer from diabetes.

Sweet potato is often overlooked as a healthy food but provides great health benefits and is easy to make as it can be done in a microwave if you’re in a rush.

With lots of different recipes available, you can include it in your everyday life without it becoming repetitive or boring.

For those looking to lose weight or simply to include more nutrients in your diet, the sweet potato is the perfect carb for you.

3. Spinach/Kale


Yes, these leafy greens should be a staple of your healthy diet.

I know it is not something that many look forward to eating or would like to eat every day.

But the health benefits are amazing!

So, if you can find a way to fit them in, you definitely should.

Here’s why: These two leafy greens are dark green meaning they contain more chlorophyll and packed more densely with nutrients.

These nutrients include Vitamin K, which supports bone growth and is also good for the heart and lungs.

Vitamin A, which helps to maintain skin function, giving you better-looking skin and also supports the production of red blood cells.

And these dark green vegetables also contain copper, which is healthy for the metabolism, crucial for those looking to lose weight but also for those who want to maintain a healthy weight.

You can blend this into a smoothie or have a salad, but whatever way you want to fit these greens into your diet, they are a healthy food that you cannot afford to miss out of your healthy diet.

4. Chia Seeds

Packed with fiber, these healthy little seeds should become part of your everyday diet.

Their fiber content will make sure your digestive tract will run smoothly and will also increase your satiety when you consume them.

However, despite containing all this fiber, it’s the antioxidant qualities of chia seeds that is what makes this healthy food popular and recommended by experts.

These antioxidants fight molecules that damage your cells and increase your risk of cancer as well as also helping with anti-aging.

These tiny little seeds also contain a good amount of high-quality protein which has been proven to reduce craving and leave you feeling fuller for longer.

Making it a food that can also support weight loss in addition to a healthy source of nutrients.

This healthy food has been shown to reduce the risk of heart disease which a massive 610,000 people die from in the USA every year.

Including these seeds in your diet every day could reduce this shocking statistic and will prevent you from suffering the same fate.

There are several simple ways you can get these into your diet; you can add them to a drink or yogurt and you won’t even notice they are there.

But you will notice the health benefits they provide.

5. Almonds


Many are aware they should eat nuts for a healthy, balanced diet.

However, they are unsure which ones they should eat, and the quantities in which they should eat them.

By far the best nut to consume for a healthy diet are almonds.

Not the salted kind though, they contain way too much sodium!

Plain almonds are the way to go, rich in nutrients, fiber and protein; they are a healthy food that you should be eating every day.

If you are looking to lose weight, then look no further than almonds.

These nuts are high in healthy fats and protein, meaning they stave off the hunger attacks and lead to a reduced appetite.

A number of studies support this statement with one showing that participants who ate a handful of almonds a day lost more weight and reduced their weight circumference significantly more than those on a nut-free diet.

As well as weight loss benefits, these nuts also contain high amounts of vitamin E, an antioxidant that builds up in cell membranes and prevents oxidative damage to these cells.

Studies have supported the claim that having a high vitamin E content in your diet can lead to a reduced risk of heart disease and Alzheimer’s.

The health benefits of almonds are incredible, providing a lowered cholesterol, lowering blood pressure and supporting blood sugar control.

These nuts really are a superfood!

6. Berries


Berries are very good for you, and not only because they’re one of your five a day.

They are high in antioxidants and help to fight chronic diseases.

Not to mention the fact that, unlike some of the above healthy foods, these are very tasty and appealing to the palate.

So why not add some of these delicious super-fruits into your diet?

For example, in one cup of blackberries, there are a huge 7 grams of fiber, supporting digestion and increasing satiety and these berries have also been shown to reduce the risk of cardiovascular disease.

Not only that, but they are also packed with vitamins, such as vitamins A and C; and minerals, such as calcium and iron, to improve your body’s functions and overall health.

Berries have some of the highest antioxidant levels of any fruits you could eat, providing health benefits such as cell protection from free radicals as well as reducing your risk of heart disease.

Like all the healthy foods listed above, berries are also high in fiber.

Meaning these tasty little treats actually reduce hunger and support your digestive system, getting rid of waste substances from your body.

The nutrient content in this healthy food is one reason alone why you should eat them every day, with a high content of Vitamin C, Manganese, Copper and Vitamin K to name a few.

And all for a very low number of calories as well.

So, if you’re looking for a delicious, nutrient-dense, healthy food to include in your everyday diet, look no further than a cup of berries.

7. Oats


This basic breakfast has become a staple in the diets of fitness fanatics.

Plain and simple, yet packed with health benefits.

This carbohydrate source is possibly the healthiest grain on the planet.

It is also considered to be the best carbohydrate source for those looking to lose weight as it is one of the most filling forms of the macro-nutrient.

Often why it is recommended to eat at breakfast, in the form of oatmeal or porridge, to get you through the day.

Oats, like many others on this list, have been shown to reduce LDL cholesterol levels as well as help to regular blood sugar levels and improve insulin sensitivity.

Making it a must-have for those with type 2 diabetes and those who struggle with their blood sugar levels.

Having half a cup of oats every day can drastically improve your health with the fiber, the nutrients and the antioxidants that it contains, so what are you waiting for.

The number of oat recipes is endless, all you have to do is find one you enjoy.

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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 freelancer.com 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 Elance.com 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 Amazon.com, 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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