Bankruptcy is a highly dreaded word in the realm of financing. However, even though it is dreaded, many people end up in a situation in which filing for bankruptcy is the only solution they have. Nonetheless, considering that you’ve done that in the past, a looming question is can I apply for business loans regardless […]
Are you applying for business loans so you can start your own business? Here are five questions to help you make the right decision.
Am I a manager or an entrepreneur?
Entrepreneurs and business managers face almost the same stress when it comes to operating a business. But the two are on opposite sides of the […]
Are you looking for ways to get private funding for your research or business venture? Here are ways to start, nurture and grow relationships with private funding resources.
Know what your donors need
A private foundation can give away billions of pesos in a snap if it meets their interests, regardless of your needs and wants. The […]
Convert a business idea into a profitable reality; avoid losing a client, take advantage of cheap suppliers or save a business from failing. If you have a business expense that needs to be settled immediately, emergency business loans can be your best financing option. You can acquire the funds in a matter of days and […]
I think we can all agree that in recent years, private lenders have picked up a lot of ground against their more well-established peers, like banks and other institutions. This is because they are a lot handier than the latter.
Moreover, one might not need to provide as much documentation to them. But anyway, the question […]
If you have bad credit, you might feel discouraged, especially if you want to start a business. Whether you intend to establish a start-up or you need financing to keep your business running, you should know that there are some alternatives you should consider if you’re struggling with bad credit.
The good thing is that, in […]
Business loans enable entrepreneurs to cope with their financial obligations. This makes them indispensable. Notwithstanding, in many circumstances, lenders might require business owners to place a property as collateral. Regrettably, not everyone is in the position to do so.
The good news is that entrepreneurs could still apply for a business loan without the need to […]
Are you looking to take out a business loan? Do you want to have a ballpark of our debt service coverage? If so, using a business loan calculator can you help plan for the future of your business.
Business loans can be used to expand your trade to a new location, upgrade your facilities, or invest […]
Borrowing money is not bad, if you use it wisely to earn more. The keyword is “leverage”. It is using the borrowed money to buy an asset or increase your capital. But, leveraging is not for the faint-hearted. You have to make it work not only magnify the gains, but to cover the losses as […]
There was a recent rise in the business loan rates and hence as expected there will be a parallel rise in mortgage interest rates. According to market economists the increase in the interest rates will be felt as early as a month after the announcement of the increase in business loan rates.
The interest rates are […]
The majority of people eagerly dream of the day they will finally open their own business. Regardless of the domain a person chooses for his/her business, there’s a question that applies to every company that shouldn’t be overlooked – what will differentiate my business from the competition?
Discovering the right business niche that fits your skills […]
With the holiday season just around the corner, a lot of people might find themselves asking the following question – am I happy with the way my life is at the moment? Does my job fulfil my expectations and does it truly satisfy me? You alone know the answer to this question.
So, if you think […]
Whether you own a start up business, a small business or a large business, there will come a time when you will need some financial assistance for one reason or another. Most business owners go to major banks and other local banks to apply for business loans but it could be a long journey from […]
A bad credit loan sounds like the type of thing you see written in bright font in a pop-up ad. As someone who needs a bit of help with their debt, you probably want to click on them. But loans for people with poor credit sound too good to be true, don’t they? Well they […]
International money transfers are essential type of service that people use to pay, receive and transfer cash in different parts of the world. It is a method usually administered by major banks, financial institutions and identified as one of the safest ways to transfer money. This procedure involves transferring or wiring money from one bank […]
In the past, night owls were often considered poor employees because their late night lifestyles led to poor productivity in the office during normal office hours. These days, there is another school of thought teaching us that night owls can be the preferred employee for many different reasons. Now that so much work is done […]
Farmers often go into debt to help keep their farms running. Like many other businesses, the farming industry depends on the availability of funds to borrow to get them through tough times and also help them grow when times are good. Just like everyone else, farmers can fall on hard times and have trouble paying […]
There are lots of things that can lead to bad credit for small businesses but some things are more likely than most to cause problems for SMEs. All businesses are susceptible to cash flow problems and the trouble can be hiding in a number of places.
Preventing Bad Credit in Small Business
It might sound simple but […]
Having a relationship with a bank is almost as important as any other business relationship in the life of a small business. To ensure that your relationship with your bank stays in a good place it is best to avoid the most common mistakes when dealing with banks and getting small business loans.
Small Business Loans
Sometimes […]
Throughout Australia, commercial lending from traditional financial institutions continues to shrink, despite a strong economy. According to Industry Super Australia, commercial lending has plummeted, over the past two and a half decades. Instead of being focused on capital formation and long-term economic growth, banks seem to be shifting their attention toward home purchases and refinance […]
Tax strategies for investment property and business expenses
The tax season is undoubtedly a stressful time for most of us. That is why we always hear advices from the experts to start planning ahead of the taxation deadlines to avoid any hassle. Early preparations can also help assure that we take possible advantages of all possible tax deductions that we can avail of.
Are you aware that there are possible tax deductions from investments in properties? Of course, it is a common knowledge that those deductions abound for business owners as well. Here are simple tips that can be of guidance for all us prior to the tax season for the next year and for the coming years to come.
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Top 5 Business Growth Strategies
All the huge companies we have today have started as small businesses. Those can be a proof that with effective growth strategies, small ventures could really expand. Expansion could be a really great challenge but if businesses could deal with it more effectively, it could be the right ticket to success.
Here are five recommended growth strategies that could be helpful when adopted by small and even large businesses. Your business might implement some or all of these approaches to ensure growth.
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While there has been signs of business recovery in wake of the GFC, don’t be fooled into thinking that all businesses are out of the woods.
Recent data from the Australian Bankers’ Association, ASIC and the credit brokers show that there’s another wave of bad debts, administrations and insolvencies pending in small business land.
ASIC’s latest data on companies entering external administration for February 2010, was 827 which was higher than 2009 at 796 – with company insolvencies hitting 1159 nationally.
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25 June 2010
Thinking of starting a small business? Once you have decided to start your own business, there are many steps required to get your concept up and running.
Before you even set the wheels in motion you should find out if people are interested in buying your products or services. Find out who your competitors are and whether the market can sustain your business.
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Many of the large banks in Australia are launching new campaigns to encourage their business customers to seek new business loans. Advertising has heated up in the rivalry among the banks with the constant addition of new advertisement in every medium.
To intensify the rivalry, the banks have started adding incentives for a business to bring their loans with promises of up to $20,000 for some. Smaller banks who are struggling to compete with these large promises are trying anything to keep their current customers which include adding fees to businesses trying to leave.
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Small businesses in Australia are continually finding themselves in a questionable position with the current financial standings for Australia. Their optimism and outlook for the current year are looking bleak due to interest rates creeping up and a strong exchange rate. Additionally, the floods and cyclones have created a point of no return for many […]
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