2013년 11월 24일 일요일

About 'small business equity'|Rest Of Small Business Funding Know-How







About 'small business equity'|Rest Of Small Business Funding Know-How








Financing               a               small               business               requires               a               lot               of               consideration.

Many               small               business               owners               choose               small               business               loans               (SBA)               because               these               secured               loans               have               longer               repayment               schedules,               and               the               process               to               obtain               a               SBA               loan               is               typically               quicker               than               obtaining               any               other               line               of               credit.

However,               there               are               high               fees               involved.

You               also               need               to               have               clean               business               credit               report               need               to               use               collateral               as               a               guarantee,               typically               your               property.

What               Is               an               SBA               Loan?
               Small               business               loans               are               government-sponsored               loans               for               financing               a               small               business.

There               are               varied               options               that               cover               different               business               needs.

Depending               on               your               business               qualifications               you               may               apply               for               any               of               the               following               SBA               programs:
               a)               7(a)               Loan               Guaranty               Program
               If               your               business               handles               exports               abroad               or               operates               in               rural               areas,               then               you               are               eligible               to               apply               for               the               7(a)               Loan               Program,               which               provides               financial               assistance               to               small               business               with               special               requirements.
               b)               Microloan               Program
               The               Microloan               Program               is               provided               for               working               capital,               the               purchase               of               machinery/equipment,               the               purchase               of               furniture               or               the               purchase               of               inventory/supplies               to               the               maximum               amount               of               $50,000.

If               you               are               an               eligible               borrower,               you               can               take               a               Microloan               from               intermediary               nonprofit               community-based               organizations               that               are               specially               designated               by               the               SBA               and               vary               per               state.

You               can               find               more               information               about               your               local               SBA               District               Office               here               .
               c)               CDC/504               Loan               Program
               The               CDC/504               loan               is               provided               for               the               purchase               of               land,               building,               long-term               machinery               and               equipment               as               well               as               to               assist               you               in               making               long-term               improvements               in               your               business,               including               the               construction               of               new               facilities,               utilities,               renovations,               etc.

If               you               are               an               eligible               borrower,               you               can               take               a               CDC/504               loan               by               a               Certified               Development               Company               (CDC)               that               works               closely               with               SBA               and               private               sector               lenders               to               ensure               private               financing               to               small               businesses.
               How               to               Secure               an               SBA               Loan
               In               times               of               economic               uncertainty,               securing               a               small               business               loan               can               be               an               off-putting               task.

Although               your               small               business               needs               a               loan               to               grow               its               cash               and               expand               its               operations,               lenders               will               be               strict               when               investigating               the               viability               of               your               business.

Lenders               will               approve               your               loan               only               if               they               have               confidence               in               your               business               and               feel               that               it               can               successfully               finance               its               expenses.

If               your               business               is               profitable,               it               means               that               you               are               a               viable               borrower,               and               you               can               meet               your               loan               obligations               in               due               time.

Additionally,               after               passing               the               credit               check,               you               should               provide               lenders               with               a               tangible               guarantee,               meaning               some               form               of               collateral               that               can               be               used               as               a               second               source               of               loan               repayment.
               Typically,               the               Small               Business               Administration               requires               as               collateral               land,               personal               property               with               (or               without)               equity               or               vehicles               to               secure               that               the               SBA               loan               will               be               repaid;               otherwise               the               collateral               will               be               forfeited.

However,               collateral               may               also               be               your               business               inventory,               accounts               receivable,               cash               savings,               deposits               or               equipment.
               Personal               property               is               widely               considered               as               very               good               collateral,               especially               after               the               real               estate               bubble.

Even               if               you               don't               have               equity               on               your               property,               lenders               will               accept               your               home               as               viable               collateral,               better               than               vacant               land.

Similarly,               cash               is               always               well-accepted               from               lenders               as               collateral               because               SBA               is               a               low-risk               loan               for               banks.

Therefore,               you               can               get               a               low               interest               rate               for               this               secured               loan               if               you               put               your               financial               accounts               as               collateral.

Of               course,               if               you               default               on               your               debt,               you               risk               losing               all               your               savings.
               In               order               to               structure               a               loan               that               is               beneficial               to               your               small               business,               you               need               to               be               realistic               about               what               you               use               as               collateral               for               the               lenders.

You               should               thoroughly               consider               the               risks               of               defaulting               on               your               SBA               loan               because               this               can               have               serious               consequences               for               your               business               and               your               life               in               general.
               Sources:
               http://www.sba.gov/category/navigation-structure/loans-grants/small-business-loans/sba-loan-programs
               http://www.ehow.com/how_6793362_secure-small-business-loan.html
               http://www.inc.com/guides/201101/5-tips-using-collateral-to-secure-a-small-business-loan.html
               http://blog.jian.com/how-to-secure-a-small-business-loan-from-a-bank/






Image of small business equity






small business equity
small business equity


small business equity Image 1


small business equity
small business equity


small business equity Image 2


small business equity
small business equity


small business equity Image 3


small business equity
small business equity


small business equity Image 4


small business equity
small business equity


small business equity Image 5


  • Related blog with small business equity





    1. armoredrose.blogspot.com/   03/24/2005
      ... in the Associates in Small Business Management program. I think its going... if we can pay into a house and build equity. I think that owning a house ...
    2. bizz2bizz.wordpress.com/   12/04/2012
      ... their own net worth and value. Unfortunately this isn’t the case. The small business that has equity in the common stock usually has it locked in because the ...
    3. marketsandwords.wordpress.com/   12/12/2012
      ...healthy in the future. In the best cases, investments from private equity can also encourage small business owners to expand hiring and pay their employees ...
    4. restauranteurtips.wordpress.com/   12/11/2010
      ...option so long as you have sufficient cash flow to pay back the loans, plus interest. Equity Financing Small business owners often opt for equity financing because they are not sure...
    5. smallbizfunding.wordpress.com/   08/23/2011
      ... to entrepreneurs and owners of small but growing businesses seeking equity investors. Those tips include the...
    6. sagar9.wordpress.com/   02/14/2010
      ...Debt and Equity Financing: Two Options for Financing Your Small Business Debt and equity financing are two different financial strategies: ...
    7. natjames3606.wordpress.com/   08/12/2011
      ...near historic lows to 58.2%. Lenders are requiring more equity in small business commercial real estate transactions than ever before. http://www.sg-comdigital.com...
    8. smallbizfunding.wordpress.com/   07/12/2011
      ..., etc. when they grant equity to someone…unless that someone has...: “I told Andre (the small business owner who wrote in) that, to begin...
    9. mecktimes.wordpress.com/   03/05/2010
      ... revisions to the City Business Equity Loan program to the city council. The program... by loaning eligible small businesses up to 25 percent of...
    10. launchcapital.wordpress.com/   10/27/2009
      ...of opening. To optimize their capital structure, we offer a small business loan up to $150k, with a small common equity ownership (less than 15%). The debt is nonrecourse, reducing...
    11. Small Business Equity - Blog Homepage Results

      ...geopolitical factors from a private equity consultant's point of view. If you are...or deciding how to structure your small business, you may want to follow this blog.
      An overview of debt and equity financing for the small business; the advantages and disadvantages of debt financing for your small business
      .... Use your BORSA™ for the equity injection required for your SBA loan. ...C., one of America’s top CPA firms for small businesses.



    Related Video with small business equity







    small business equity Video 1








    small business equity Video 2








    small business equity Video 3




    small business equity































    0 개의 댓글:

    댓글 쓰기