Small Business Loans, TD Canada Trust, loan business.#Loan #business

Small Business Loan

7:00 a.m. – 12:00 a.m. EST

Ways To Apply

Or, to begin an application, call our Small Business Advice Centre at 1-866-222-3456

7:00 a.m. – 12:00 a.m. EST, 7 days a week

Small Business Loans

Loan business

Available Fixed or Floating Interest Rates for Small Business Loans

Flexible Business Loan Payment Options

A Business Loan 1 can help you purchase or upgrade business assets, or help with your expansion plans. The choice is yours.

Secured or unsecured options

  • Available as an unsecured loan 2 in amounts from $10,000 to $50,000
  • Also available as an asset secured loan in amounts from $10,000 to $1,250,000. Flexible security options 3 include:
    • Business real estate
    • Residential real estate (full or partial)
    • Liquid or margin security (full or partial)
    • Business assets

Flexible payment options

  • Choice of 1 to 5 year fixed-rate terms
  • Amortization up to 20 years, based upon the useful life of the asset financed

Fixed or floating interest rates available

  • Floating interest rate options based on TD Prime Rate with no prepayment penalties.
  • Fixed interest rate options available with the flexibility to make 10% principal prepayments annually without penalty.
  • No review fees.
  • Set-up fees may apply.

Protection for your Business Loan

Business Credit Life Insurance can help meet the financial obligations of your business should a person who is key to the success of your business die or suffer a covered accident. Get the coverage your business needs.

Multi-unit property mortgages

We can help you build a customized mortgage for multi-unit residential properties (5+ units).

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Talk to an Account Manager about

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1 Subject to complying with TD Canada Trust lending policies and criteria including confirmation of good personal credit history. Certain business documentation is required. Other conditions may apply. Set-up fees may apply. Personal guarantee(s) may be required.

Ways to Bank
Contact Us
  • Contact an Account Manager, Small Business
  • Branch Locator
  • Contact a Regional Agriculture Specialist
  • Talk to Us: 1-866-222-3456

Loan business

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Business Mailing Lists, Direct Mail, business mailing lists.#Business #mailing #lists

Business Mailing List – D Bradstreet s Business Mailing List is the most up-to-date Business Address Database for commercial enterprises within the United States. This database is available online or by contacting a BB Direct representative. Whether you connect manually or online, you ll have access to over 37 million businesses and 31 million executive decision makers. Updated each month, our Business Database gives you access to a host of potential new customers.

What Makes this B2B File Stronger?

Business mailing listsLinkage – No other B2B Database of business locations links the Ultimate company with its affiliated locations.

Decision Makers – No other B2B Database has the coverage and accuracy of top mid-tier contacts by title.

Standard Index Classification (SIC) Coding – Dun Bradstreet s Business File include Primary, Secondary, and Tertiary SIC codes. With up to 8 digit level SIC s, your ability to pinpoint only those ideal business candidates is greatest.

Building your B2B Prospecting List

To ensure you are building your best prospective B2B clientele list, we make available the selects you ll need for pinpoint accuracy. You ll have greatest success with our business list if you consider your geography, your SIC Code selection, and your target business size.

1. Start by Identifying Your Target Geographic Market

We make it easy to create the boundaries of your target geographic market by offering a wide variety of geographic selects, i.e., carrier routes, zip codes, Cities and Counties, radius by distance or drive time, or your very own custom-drawn polygon within our easy-to-use mapping tool.

You ll want to also consider the natural boundaries of County and State if your business service requires a license to do business, where your competition is located, where they focus their marketing, the ideal delivery range of your delivery fleet, and/or how far your customers are willing to travel to find you.

2. Important SIC Code Considerations

For many B2B businesses, it makes best marketing sense to use the SIC Code to segment your marketing communication. You ll likely find that your products and services are perceived differently by one business type than by another. One business type may require enterprise level inhouse printing technology, while another business type may only need a simple desk printer. Be sure to evaluate your B2B prospects and how your marketing message may vary depending on the SIC Code.

Be it Employee Size select or Annual Revenue select, selecting the size of the prospective business customer does matter. Because most businesses function differently, your product or service message should vary depending on the size of the business. A multi-location business will have very different needs than a smaller single location establishment. Though all sized businesses may be ideal for your products and services offerings, the message want to communicate should be appropriate to the business size.

4. B2B Team Based Buying Decision MakersBusiness mailing lists

More often than not, key decision makers are influenced by other members of their organization. Because we ve got more contact titles than any other database, you ll be able to reach both the primary decision maker, as well as those influencers who can help with moving your proposal forward.

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6 Factors That Keep You from Getting a Small Business Loan, getting a business

6 Factors That Keep You from Getting a Small Business Loan

For many entrepreneurs, a small business loan is an essential way to finance a new business or expand existing operations. However, obtaining funding for your business is no easy task. Here are six barriers that can prevent you from getting the small business loan you need and a few tips on how to avoid these roadblocks.

1. Poor credit history

Credit reports are one tool lenders use to determine a borrower s credibility. If your credit report shows a lack of past diligence in paying back debts, you might be rejected when applying for a loan.

Paul Steck, former president and CEO of the international franchise restaurant Saladworks, has worked with hundreds of small business franchisees, many of whom have bad personal credit as a result of illness, divorce or other extenuating circumstances.

Sometimes, very good people, for reasons beyond their control, have credit issues, Steck said. And, unfortunately, that s a real barrier to entry in the world of small business.

People with bad credit should consider nontraditional financing options which tend to place less emphasis on credit scores before giving up on getting a loan.

Editor s Note: Looking for information on business loans? Fill in the questionnaire below, and you will be contacted by alternative lenders ready to discuss your loan needs.

2. Limited cash flow

Cash flow a measure of how much cash you have on hand to pay back a loan is usually the first thing lenders look at when gauging the health of your business. Insufficient cash flow is a flaw that most lenders can t afford to overlook. Therefore, it s the first thing business owners should consider when determining if they can afford a loan.

Really thinking through that cash-flow equation is like preventative medicine for your business, said Jay DesMarteau, head of regional commercial specialty segments for TD Bank. You can either wait until [your business] gets sick, or you can do things to prevent it from getting sick.

One of the preventative measures DesMarteau recommends is to calculate cash flow at least quarterly. If business owners take that step, they may be able to optimize their cash flow before approaching potential lenders.

3. Lacking a plan for the future

Having a plan and sticking to it is much more attractive than spontaneity in the finance world.

Banks require that business owners have an organized, detailed and quantitative business plan in order to move forward with the loan process, said David Goldin, CEO, president and founder of Capify, an alternative small business lender.

However, Goldin noted that it s common for very small businesses to not have a formal business plan or any plan at all, for that matter. In these situations, he recommends that business owners at least forecast their future earnings before applying for a loan, so lenders will have an idea of your profitability.

You should also be prepared to explain your plan for the money you want to borrow.

Lenders . biggest single complaint is that small business owners aren t able to articulate very well how they re going to use the capital that they re looking for, how they re going to make repayment and what impact they think [the loan] is going to have, said Ty Kiisel, who writes about small business for online lender OnDeck.

According to Kiisel, your pitch to lenders doesn t need to be eloquent, but it must be straightforward. At the bare minimum, loan applicants should be prepared to explain why the want a loan and how they plan to repay it.

4. Disorganization

When it comes to approaching potential lenders, business owners should have their act together. That means having all the paperwork you ll need for your loan application on hand.

One of the things that can be a problem when applying for a loan is if [business owners] don t have the documentation that the bank will require [such as] back tax returns, Steck said.

There are plenty of resources that business owners can refer to when putting together their loan applications. The Small Business Administration, for example, provides a highly detailed loan application checklist for borrowers. Using these resources can decrease your likelihood of coming across as disorganized or unprepared. [See Related Story: Applying for a Small Business Loan? Here s What You ll Need]

5. Failing to seek expert advice

When it comes to making financial decisions for your business, lenders want to see that you ve sought guidance from knowledgeable advisers.

Accountants can be an important source of advice for small business owners. That s why Bizfi has partnered with the National Directory of Certified Public Accountants, says Stephen Sheinbaum, CEO of alternative lender Bizfi. But there are many other places to find good people to talk to, such as the Service Corps of Retired Executives (SCORE), a free mentoring service that is supported by the Small Business Administration.

According to Sheinbaum, SCORE connects you with retired businesspeople with experience in your market.

This is important because they will know about the kind of capital that is most important to people within your industry, said Sheinbaum.

He also recommends that business owners get financial advice from business networking groups and conduct research on the websites of the leading alternative funders, since many have detailed resource sections for small businesses about the many kinds of available capital and the best ways to prepare for funding.

6. Apathy

Too many business owners approach lenders with an apathetic attitude, Steck said. In other words, they simply don t demonstrate why they, rather than someone else, are a good candidate for a loan.

You have to exude a passion, said Steck. I m going to do this, and I m going to be the best in the whole wide world. You have to go into it with that sort of mentality, and a lot of [potential borrowers] don t do that.

Editor s Note: Looking for information on business loans? Fill in the questionnaire below, and you will be contacted by alternative lenders ready to discuss your loan needs.

Additional reporting by Elizabeth Peterson. Some source interviews were conducted for a previous version of this article.

Paula is a New Jersey-based writer with a Bachelor s degree in English and a Master s degree in Education. She spent nearly a decade working in education, primarily as the director of a college s service-learning and community outreach center. Her prior experience includes stints in corporate communications, publishing, and public relations for non-profits. Reach her by email.

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10 Places to Get a Free Business Education Online, online business degree.#Online #business #degree

10 Places to Get a Free Business Education Online

Getting a business education doesn’t have to be expensive. An increasing number of colleges, universities and even nonprofit organizations offer free business courses online. Find out how you can sign up for these courses and what you can get from them.

Online Business Courses for Credit

Online business courses that don’t require students to register or pay tuition are plentiful, but these courses don’t lead to college credit. Students who would rather earn credit for the courses they take online might want to consider resources that charge a fee in exchange for access to online course offers this form of distance learning through its quick and informative video lessons and corresponding self-assessment quizzes. Students also have access to free transcripts for the video lessons.

Students can start with Business 101: Principles of Management which include chapters like:

  • Management Basics – Study different managers’ roles and examine the four functions of management.
  • Leading in Organizations – This chapter explores the difference between leadership and management and how the two work together. Various leadership styles are also covered.
  • Marketing Philosophies and Ethics – Learn about marketing versus sales, corporate responsibility and cause-related marketing.
  • Consumer Decision Making – Topics include consumer behavior theory, the purchase process, cognitive dissonance and consumer buying influences.
  • Network Systems Technology – Examine client/server systems, network operating systems and wireless computing devices in this chapter.
  • Systems Development – Subjects include life cycles, graphical user interfaces, application development processes and project management tools.

Find schools that offer these popular programs

  • Accounting and Bookkeeping
  • Business Economics
  • Business Finance
  • Business Management and Operations
  • Business Marketing
  • Business Support and Administrative Services
  • Entrepreneurship and Small Business Development
  • Hospitality Management
  • Human Resource Management
  • Information System Management
  • International Business
  • Sales and Merchandising
  • Specialized Sales

Free Online Non-Credit Business Courses

Massachusetts Institute of Technology

MIT OpenCourseWare might be the next best thing to getting an MIT education for free. Through these free online publication, students can find bachelor-level and master-level courses business courses offered by MIT’s Sloan School of Management

  • Undergraduate and Graduate Business Courses include online lecture notes, videos, labs demonstrations and more. No registration is required and more than 150 courses are available.

The U.S. Small Business Administration

The Small Business Administration has one of the best selections of business courses on the web. Topics include everything from starting a business and business management to government contracting and international trade. Most courses take only 30 minutes to complete.

  • Financing Options for Small Businesses centers around determining financial needs, loans, grants, venture capital, angel investors, crowd funding and more.
  • Strategic Planning looks at the significance of strategic planning while breaking down the steps of the process.

Free Management Library

  • The Free Nonprofit Micro-eMBA(SM) Program is a great resource for students wishing to learn more about nonprofit management. Completion of this program will not result in an MBA degree, but enrollment is free. The amount of time it takes to complete the program will depend on how fast you learn, but you may expect to spend at least 200 hours on coursework.

University of California Irvine

The University of California Irvine offers several free business courses in English and Spanish through their OpenCourseWare site. Courses are broken down into lessons, and include optional reading lists for students who want to dig deeper into the course subjects.

  • Fundamentals of Business Analysis focuses on the function of a business analyst within the operating of an organization.
  • Training and Human Resource Development breaks down the information and experience needed to pick out an organization’s training and development needs while looking into the related processes.

Financial Management Training Center Courses

The Financial Management Training Center provides 20 free downloadable business courses for people who need to learn the finer points of financial management. All courses can be taken online. They include full exams as well as evaluation forms for people seeking Continuing Professional Education (CPE) credits.

  • The Management of Capital provides a basic overview of navigating a company’s financial structure.
  • Creating Value through Financial Management serves as an introduction to concepts related to Value Based Finance.
  • Project Management introduces the concept and components of project management.

Kutztown University – Small Business Development Center

  • Strategic Planning and Execution Course presents strategies for crafting and executing business visions, mission statements and goals. The SBDC also provides strategic planning software free to all course participants.

University of California Berkeley

The University of California Berkeley offers a new selection of business courses each semester. Courses are lecture-based and typically include either audio or video or both.

  • Business Administration Videos are uploaded to the school’s YouTube page often. Videos are presented by leading business experts such and cover topics like leadership, investment strategies and behavioral economics.
  • Introduction to Probability and Statistics for Business teaches students about descriptive statistics, probability models, confidence intervals, controlled experiments vs. observational studies, tests of significance, correlation and regression.

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Business mailing lists#Business #mailing #lists

Business Mailing Lists

Business Mailing Lists

Maximize your direct marketing and telemarketing efforts with quality business mailing lists from Melissa. This file contains 15 million company records with fully customizable selects so you can identify the prospects most likely to buy your products and services.

Business mailing lists

Business Mailing List Selects

  • Location (radius, area code, city, county, state or ZIP Code )
  • Industry Type (SIC and NAICS codes)
  • Demographics (company size, number of employees, location type, years in business, and more)
  • Phone
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  • Social Handle: LinkedIn, Facebook, Twitter, Instagram

With E-Mails: $185 / M (scrubbed emails)

See Why Melissa is the source for Business leads and mailing lists:

  • We National Change of Address (NCOA) process our mailing lists monthly so you can reach your audience at their most recent, accurate address.
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  • We offer a 95% Deliverability Guarantee because your satisfaction is our highest priority.
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Specialty Mailing Lists

We have hundreds of specialty mailing lists to help you get the perfect sales leads for your products and services. Here are some of our most popular.

If you don’t see what you need, give us a call at 1-800-800-MAIL opt. 2 for assistance.

MAILERS+4 Software – Free!

Get MAILERS+4 mailing software free with your first purchase or any list purchase of $400 or more ($495 value). MAILERS+4 is the leading postal automation software that empowers you to prepare USPS compliant First-Classв„ў, Standard, and Periodicals mailings at the best postage rates possible. Save money every time you mail with MAILERS+4.

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Buy email lists with 95% Delivery Rate Guaranteed, business lists.#Business #lists

Build Targeted

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Find sales leads with the #1 site for accurate business-to-business (B2B) email lists. Get the verified contact information of those in your target industry with It’s never been easier to buy an email list of good information that will help you make real connections! Zero in on your target audience and email leads with these databases to make more deals and boost your sales. Right now, you can buy mailing lists that have been pre-made or create your own marketing solution with our innovative online list-builder tool. Start finding new business contacts online now!

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At, we’re all about bringing the right people together, so whether you need to pull a business, executive, or physician email list, we have the quality information you need. Buy sales leads and potential contacts that are right for your business so that you can master your next direct marketing campaign. We provide our clients with premium data, including email addresses, phone numbers, postal addresses, and much more. Offering quality, human-verified contact lists to download minutes after you buy is our business. Clients benefit from our CRM-ready data product that’s full of direct information you need to start emailing, calling, or mailing potential leads. Contact lists for sale are available by job, department, and industry, allowing you to target the important decision-makers your business needs!

We guarantee accurate and up-to-date, premium contacts in our business mailing lists. We have developed the world’s most innovative real-time online list-builder tool using our very own data intelligence algorithms and qualified data sources. Enjoy the safety and security of our proprietary tool. With just a few easy steps, you’ll have targeted email lists ready to be fed into your computer systems and CRM software. One product can serve multiple functions: You can use the file as a mailing list, an email database, and a simple directory of highly qualified business professionals in any industry. Buying direct marketing information from is simple. You’ll get an all-in-one, premium database full of targeted sales leads that can be marketed to right away by phone or computer. Get started now to connect with real businesses today! — CEO, Gary Taylor

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Business Lists – Highly Effective Business Lists from US Data Corporation, business lists.#Business #lists

US Data Corporation Business Lists

With over 14 million business list records, US Data’s Business Database contains thousands of listings not available through other marketing list providers. This multi-source database provides accurate and deliverable information from home-based businesses to key decision makers in Fortune 500 companies nationwide.

Through our industry leading data augmentation processes, we are able to provide the detailed business list and marketing list data required to make a B2B campaign succeed. We augment and verify our data with a multitude of reliable data sources. If we re not able to find two matches of our data, it won t populate into our business database. We have over 2500 unique streams of business data coming in on a daily basis to ensure we have the most accurate and comprehensive business database in the world.

US Data’s Business Hotline File includes over 6 million new businesses each year and 150,000 newly assigned business addresses every month. Stay a step ahead of your competition by reaching new businesses before they even appear in the phone book.

Choose from our business list selection criteria:

• Full Address

• ZIP Code (ZIP + 4)

• Telephone Number

• Web Site Address (URL)

• Annual Sales Volume

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• Size of Yellow Page Ad

• Ticker Symbol

• News Headlines

• Name Title of Executive

• Type of Business

• Minority Business

• Number of Employees

• Franchise Info

• Year Established

• Branch Subsidiary Info

• Judgments and Bankruptcies

• Woman Owned Business

• Small Business

Mention PROMO CODE WEB110X for your First Time Buyer Discount of 10% off your business list purchase!*

*Cannot be combined with any other offer or price discount. Minimum order is $750. Maximum promotional value is $500. Limit one per customer.

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Best Internet Online Business Opportunities and Ideas, internet business.#Internet #business

Internet & Online

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HSBC Business Banking, HSBC, small business banking.#Small #business #banking

small business banking

    • Small business banking

      Improve working capital by unlocking funds caught in the supply chain, and manage incoming and outgoing cash flows more effectively organisation wide.

      Gain more control over exports, improve cashflow and manage risks associated with international trade more effectively.

      Conduct business with confidence, even where you lack established relationships.

      Upon approval, access working capital to bridge the gap between settlement with suppliers and payment from buyers.

      Use open account solutions to trade directly with organizations that have a good financial status and also recognize yours.

      Improve your cash flows and enhance forecasting. If qualified, access up to 90 per cent of invoice values as soon as they are issued.

      Working capital Articles

      Inject capital into your supply chain, expand into new markets and improve your existing space and systems.

      Credit and lending

      Access our long and short-term loans designed to meet your specific funding requirements.

      Gain more control over exports, improve cashflow and manage risks associated with international trade more effectively.

      Conduct business with confidence, even where you lack established relationships.

      Upon approval, access working capital to bridge the gap between settlement with suppliers and payment from buyers.

      Use open account solutions to trade directly with organizations that have a good financial status and also recognize yours.

      Streamline domestic and foreign payments and collections while also making the best use of cash balances. You can also manage expense effectively by consolidating companywide spending.

      Clearing and foreign currency payments

      Optimize your working capital and make transactions in local and foreign currencies.

      Global corporate cards

      Increase control over business expenditure and manage working capital more effectively with HSBC’s suite of global corporate cards.

      Make paper-based and electronic domestic and international payments.

      Improve the way you manage working capital by streamlining and enhancing visibility of your receivables.

      Liquidity, liability and investments

      Increase the efficiency of your operations by managing cash on a portfolio basis across more than 50 markets worldwide.

      Consolidate balances for faster, easier access to cash and leverage idle balances to increase liquidity and support your growth strategy.

      Liquidity, liability and investments

      Increase the efficiency of your operations by managing cash on a portfolio basis across more than 50 markets worldwide.

      Manage counterparty risk and do business around the world confidently while managing potential fluctuations in cash flow.

      Gain more control over exports, improve cashflow and manage risks associated with international trade more effectively.

      Upon approval, access working capital to bridge the gap between settlement with suppliers and payment from buyers.

      Use open account solutions to trade directly with organizations that have a good financial status and also recognize yours.

      Managing risk Articles

      Your business partner for growth

      Your business partner for growth

      Welcome to HSBC’s USA site for corporate customers. Here you can learn about our capabilities and solutions, and find inspiration for your business from our expert opinions and customers’ stories.

      Our network connects you to the world.

      Put HSBC’s experience and network to work for your company.

      Move at the Speed of Opportunity.

      We are where 90% of the world’s payments and cash flows originate.

      Find the insight you need to help your company grow and prosper globaly

      Your business partner for growth

      Welcome to HSBC’s USA site for corporate customers. Here you can learn about our capabilities and solutions, and find inspiration for your business from our expert opinions and customers’ stories.

      Our network connects you to the world.

      Move at the Speed of Opportunity.

      Find the insight you need to help your company grow and prosper globaly

      Insights for your business

      Find inspiration for your business from our expert opinions and customers’ stories.

      Contact HSBC

      We’re here Mon-Fri 8:00AM to 9:00PM ET and Sat 8:00AM to 4:30PM ET

      Quick links

      United States persons (including entities) are subject to U.S. taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their U.S. and non- U.S. accounts. U.S. persons should consult a tax adviser for more information.

      HSBCnet services provided in the United States by HSBC Bank N.A. HSBCnet features and functionality may vary by country. Subject to U.S. sanction regulations.

      Deposit products offered in the United States by HSBC Bank USA, N.A. Member FDIC.

      Contact us

      Commercial Banking Offices

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      HSBC websites

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      Please be aware that the external site policies will differ from our website terms and conditions and privacy policy. The next site will open in a new browser window or tab.

    Short-term Business Loans at, business loans online.#Business #loans #online

    Short-term business loans

    Most businesses will need to borrow money at some stage either to help with cashflow, or to pay for expansion costs, and a short-term business loan can provide the ideal solution. Although recent years have seen a reduction in the number of business loans on offer, there are still plenty of options available to explore.

    The providers below are ranked by the following scenario; taking out a loan of £10,000 over 6 months. Ranked by the least you would need to pay back in total over the period.

    Rates from 4.5% per year. Terms from 6 months – 5 years

    Apply online get a decision typically in 24 hrs

    You ll have a dedicated Account Manager from start to finish

    Minimum criteria: Two years+ filed accounts at Companies House or formally prepared accounts for non-limited businesses.

    Business loans online

    Borrow up to 250,000 unsecured and up to 500,000 secured

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    How our site works

    We want to show you short term business loans from as many lenders as possible, so you have plenty of choice. Not all lenders want to be included on comparison websites, so we can’t promise to show you loans from every single one. We’ve looked at how much it would cost to borrow £10,000 over 6 months, including fees, and we’ve ranked the lenders from the cheapest to the most expensive. You can find out more about how we work here.

    Advantages of short-term business loans

    The main advantage of opting for a short-term business loan is that you know your business will only have to make repayments for a limited period of time. You will also usually pay less interest overall than if you opted to repay what you owe over a much longer term, such as five years.

    Disadvantages of a short-term business loans

    Choosing to take out a short-term business loan may mean that you will be able to pay off what you owe quickly, but bear in mind that your repayments will be much higher than if you opted to repay your long over a medium or long-term period. Interest rates can be very high on short-term borrowing, so it’s worth comparing lots of different loans to ensure you find the right deal for your business’s needs.

    What else you need to know

    Difficult economic conditions in recent years have made it harder for businesses to borrow money. To apply for a business loan, your business may be required to have a minimum monthly turnover, and you may have to show a set number of accounts, usually two or more years.

    Remember too that the actual rate of interest you will be charged on a short-term business loan will depend on your business’s individual circumstances, the amount you want to borrow, and over what period you intend to pay off what you owe.

    Alternatives to a short-term business loan

    If you don’t think your business will be able to pay off any borrowing over a year or less, then you might want to consider a medium or long-term business loan which can be repaid more slowly.

    Other options include using a business credit card for any immediate expenses. These can also be a useful way to manage staff spending. You could also speak to the provider of your business bank account about arranging a business overdraft which can provide you access to funds as and when you need them. You can usually arrange an overdraft for a 12 month period, at which point it will have to be renewed.

    Businesses can also raise funds though cashflow finance, which allows then to borrow against the value of their

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