레이블이 Small Business Loans for Women인 게시물을 표시합니다. 모든 게시물 표시
레이블이 Small Business Loans for Women인 게시물을 표시합니다. 모든 게시물 표시

2013년 11월 25일 월요일

About 'debt financing for small business'|...soon got into debt. However, as their debts piled up, they tried to escape...son of a Governor, and so they asked for the Li daughters to be ...







About 'debt financing for small business'|...soon got into debt. However, as their debts piled up, they tried to escape...son of a Governor, and so they asked for the Li daughters to be ...








The               U.S.

Congress               currently               is               debating               whether               to               raise               the               Federal               government's               debt               ceiling.

According               to               Treasury               Department,               the               government               could               hit               its               debt               limit               sometime               in               May.

Apparently               there               are               some               technical               moves               the               government               could               make               to               put               off               the               day               of               reckoning               a               bit               further,               but               without               some               action,               in               the               next               few               months,               the               debt               limit               could               be               reached.

Although               none               of               us               know               for               sure               how               the               markets               would               react               if               this               happens,               the               implications               for               your               small               business               generally               don't               appear               to               be               good.

Here               are               a               few               of               the               possible               effects               on               small               businesses               if               the               debt               limit               isn't               raised.

First,               some               economists               believe               not               raising               the               debt               limit               could               push               the               economy               into               a               recession,               because               government               spending               would               have               to               be               cut               drastically.

The               government               would               have               enough               revenue               coming               in               to               continue               to               pay               principal               and               interest               due               on               its               debt               and,               therefore,               to               avoid               default.

But               it               would               not               have               enough               revenue               to               pay               all               its               bills.

Spending               on               big               programs               like               Social               Security,               Medicare,               Medicaid               and               defense               would               have               to               be               cut               sharply               and               these               cuts               would               have               a               ripple               effect               through               the               economy               resulting               in               lower               consumer               spending.

For               most               small               businesses,               recession               means               lower               demand               and,               therefore,               less               revenue               and               cash               flow.
               Second,               financing               for               small               businesses               could               dry               up.

The               combination               of               a               weaker               economic               outlook               and               uncertainty               related               to               government               spending               could               restrict               lending               except               for               the               highest               quality               borrowers.

Therefore,               if               your               small               business               doesn't               already               have               secure               financing               in               place,               its               sources               of               capital,               both               short               term               and               long               term,               could               disappear.
               Third,               the               cost               of               capital               could               rise,               so,               even               if               your               business               has               financing               in               place               (such               as               a               line               of               credit),               unless               it               has               a               fixed               rate               that               can't               easily               be               changed,               you               may               be               paying               much               higher               rates.

However,               what               happens               to               interest               rates               if               the               debt               ceiling               isn't               raised               is               unclear.

While               many               economists               believe               rates               will               rise               because               of               increased               financial               uncertainty               and               economic               risk,               others               suggest               that               sharply               falling               demand               and               the               resulting               recession               might               actually               cause               rates               to               fall.

In               reality,               whether               rates               rise               or               fall               may               be               irrelevant               to               your               small               business               if               demand               drops               sharply,               revenue               declines               and               the               capital               you               need               isn't               available               at               any               price.
               While               no               one               knows               for               sure               what               the               specific               repercussions               of               reaching               the               debt               limit               would               be,               since               this               is               uncharted               territory               for               the               federal               government               and               for               the               economic               prognosticators,               it               is               hard               to               envision               it               as               not               having               negative               implications               for               small               businesses               in               the               near               term.
               Sources:
               Jeanne               Sahadi,               http://money.cnn.com/2011/02/17/news/economy/debt_limit_spending_cuts/index.htm,               What               happens               if               the               debt               limit               isn't               raised               -               February               17,               2011
               John               Carney,               http://www.cnbc.com/id/42686462,               What               Happens               to               Bonds               If               the               Debt               Limit               Isn't               Raised               -               CNBC
               More               from               this               Contributor:
               http://www.associatedcontent.com/article/7947633/how_to_find_the_right_small_business.html?cat=3,               How               to               Find               the               Right               Small               Business               Consultant
               http://www.associatedcontent.com/article/7936739/fiveyear_checklist_for_a_small_business.html?cat=3,               Five-Year               Checklist               for               a               Small               Business
               http://www.associatedcontent.com/article/7877720/setting_up_payroll_for_a_small_business.html?cat=3,               Setting               Up               Payroll               for               a               Small               Business
               http://www.associatedcontent.com/article/7845304/find_the_hidden_profits_in_your_business.html?cat=3,               Find               the               Hidden               Profits               in               Your               Business






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    11. Debt Financing For Small Business - Blog Homepage Results

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    2013년 11월 24일 일요일

    About 'loans to small business'|Don’t Fail to Investigate Canada Government Grants and Loans – The Small Business Loan Program Works!







    About 'loans to small business'|Don’t Fail to Investigate Canada Government Grants and Loans – The Small Business Loan Program Works!








    Small               Business               credit               is               a               must               for               any               new               business               owner               or               a               seasonally               established               business               owner.

    Small               business               credit               is               credit               specifically               for               your               business               name,               it               is               somewhat               similar               to               credit               you               have               created               for               you               on               a               personal               level,               however               there               are               different               steps               involved               from               establishing               personal               credit.

    Step               1:               Choose               your               business               structure               and               obtain               an               EIN
                   In               order               to               protect               your               personal               assets               it               is               best               to               keep               your               business               separate               from               your               personal               finances.

    One               way               to               accomplish               this               is               by               deciding               how               much               you               are               willing               to               risk               if               you               are               sued               by               a               customer               or               if               your               company               goes               bankrupt.

    Thoroughly               research               the               different               business               entities               and               the               risk               factors,               both               with               your               responsibility               and               the               tax               liability               before               moving               forward.
                   Obtaining               an               EIN               is               simple.

    Go               to               www.irs.gov               and               follow               the               steps               to               apply               under               the               "Business"               tab.

    There               is               also               information               on               the               IRS               website               that               explains               the               difference               between               an               LLC,               Corporation,               Partnership,               and               Sole               Proprietorship               or               DBA.
                   Step               2:               Register               you               business               with               the               business               credit               bureaus
                   Yes               there               are               credit               bureaus               specifically               for               business.

    Register               with               as               many               as               you               can               in               order               to               make               sure               all               your               good               credit               practices               are               being               reported.

    Aslo,               stay               on               top               of               these               reports               yearly               just               as               you               do               for               your               personal               credit.

    (listed               in               order               of               importance)
                   Dun               &               Bradstreet               or               D&B
                   Experian               Business
                   BusinessCreditUSA
                   Equifax               Business
                   FDInsight
                   ClientChecker
                   Step               3:               Establish               Credit
                   One               way               to               start               is               with               a               credit               card               or               a               business               line               of               credit.

    If               your               personal               or               business               credit               is               not               at               the               lenders               standards               then               go               with               a               secured               credit               card               or               a               secured               line               of               credit.

    This               way               you               are               getting               your               company's               name               out               there               and               your               payment               history               can               be               reported               so               you               can               obtain               credit               in               the               future.
                   Step               4:               Maintain               relationships               with               your               vendors               or               suppliers.
                   When               choosing               a               vendor               or               supplier,               ask               if               they               report               to               the               business               credit               bureaus.

    If               so,               use               them.

    These               type               of               vendors               are               a               good               start               and               you               will               be               able               to               use               them               as               references               if               you               want               to               apply               for               any               kind               of               commercial               loans.

    Be               sure               to               pay               your               invoices               on               time               and               develop               a               strong,               stable               relationship.
                   Step               5:               Spread               your               name
                   It               is               important               for               any               business               to               be               known               in               the               area               where               they               do               business.

    One               way               of               accomplishing               this               is               joining               the               local               Chamber               of               Commerce               and               the               Better               Business               Bureau.

    By               getting               out               and               being               involved               in               different               organizations               gives               you               credibility               and               "consumer               credit"               with               those               you               come               in               contact               with.
                   Establishing               and               maintaining               small               business               credit               is               essential               to               the               survival               of               any               company.

    Knowing               what               you               want               to               accomplish               and               developing               a               plan               to               get               there               is               the               first               step               to               success.






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    11. Loans To Small Business - Blog Homepage Results

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      ... power. Also, show you how to start, fund or finance, operate, and profit from your owning you own small business. I hope you find the post on this site helpful...
      Guides you help familiarize to the Small Business Loan Review and the appeal process.



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