Month: February 2017
#the small business administration
Home > Lending > Small Business Administration Loans
Small Business Administration Loans
Congress created the Small Business Administration (SBA) over half a century ago to help small companies get started, expand, and prosper. Today, the SBA provides assistance to these companies by guaranteeing a portion of loan amounts and allowing longer terms for qualified borrowers.
Small Business Administration (SBA) loans can include construction/permanent commercial financing.
What are the advantages of an SBA loan?
There are many, including terms up to 25 years for land and buildings and up to 10 years for all other business purposes. SBA loans are assumable and carry no pre-payment penalties or call provisions. (For terms of fifteen years or more, pre-payment penalties apply during the first three years.)
What are the credit requirements for an SBA loan?
A loan applicant must show an ability to repay the loan in a timely manner, through past earnings records or future earnings projections. An applicant must demonstrate management ability and commitment necessary for a successful operation. The applicant must also have sufficient equity capital so that, with the SBA loan, the business can operate on a sound financial basis. Lastly, the applicant must provide adequate collateral.
Who is eligible for an SBA Loan?
The SBA defines a small business as one that is independently owned and operated, which is not dominant in its field and which meets certain criteria based on industry classifications. In laymen s terms, we work with most types of businesses in conjunction with this program. However, loans used to finance real property held solely for income or investment are not eligible.
How do I apply for a Small Business Administration (SBA) loan?
One call to our SBA department will get you started. We will assist you in determining the necessary information needed to submit your application. For our online application, please click here.
Getting the Process Started � 7(a) or 504 Loans
The following basic information is needed in order for MCB to make a preliminary evaluation of your SBA loan request. Although certain items may not be applicable to your business, you should be as thorough as possible in gathering the information. MCB�s application (see below) is very helpful in organizing the information. If you have questions concerning this list, please contact us.
- What size loan are you requesting? How will the loan be used? How long of a term (in years) are you requesting on the loan?
- If you are proposing to purchase real estate or an existing business, provide a copy of the purchase agreement (signed by both buyer and seller).
- Indicate the amount and sources of the equity (i.e. cash) to be injected into the business or project. (Minimum equity requirements apply for start-ups and business purchases.)
- Provide photocopies of any notes to be refinanced with the loan.
Company / Owner Information
- Provide a brief history and description of your business. (When was the business started, and by whom? What are your products and/or services? How has the business grown or changed? How many employees do you have? Who are your competitors?)
- Provide the legal name of the business, street address of the business, telephone number, and Employer Tax ID number.
- Provide the name, home address, Social Security number and percentage of ownership for any person having any ownership interest in the business. Include a resume for each owner, describing their educational and business background.
- Provide the business interim financial statement. (Not more than 60 days old). (Include aging of accounts receivable and payable).
- Provide the business historical financial statements and tax returns for the last three fiscal years, or since start up, whichever is less.
- Provide a personal financial statement for each individual owning twenty percent (20%) or more of the business. (If you do not have a personal financial statement form, contact Metro City Bank, and we will provide one to you). With each personal financial statement, provide complete copies of that individual s Personal Income Tax returns for the last three years.
- If you are purchasing an existing business, provide copies of that business tax returns for the prior three years, or since inception, whichever is shorter.
MCB � SBA Loan Application
Please download the loan application forms below, once printed please complete all sections legibly and either fax to 770-455-4988 attention: SBA Department or drop by one of our branch locations.
Click Here to Download the Loan Request Form. (Adobe Acrobat Reader is required)
Don�t have Adobe Acrobat Reader? Click here to download your free copy.
We hope that the above information has answered most of your questions concerning SBA loans and that you will make Metro City Bank your first choice for your SBA loan. If you need further information, contact Metro City Bank at 770-455-4989 or contact a loan officer Directly using our Loan Office Contact List.
5441 Buford Highway, Suite 109, Doraville, Georgia 30340
#franchising your business
Franchising Your Business
Franchising is an exciting marketing method. Properly structured and well run it provides benefits and satisfaction for both parties. However, it is not an easy ‘route to riches’ for franchisor or franchisee, nor is it a panacea for the ills of a ‘sick’ business.
Establishing a franchise has to be undertaken with skill, patience and capital.
The time scale for establishing a franchise system and preparing it for marketing can be as long as three years and it can take another three to five years before the franchisor begins to see net profits and cash flow.
The capital requirements of the franchisor have to reflect these time spans. However, once the network moves into net profit and achieves relative maturity, the return should make the effort and investment worthwhile.
Why consider Franchising your business?
The advantages of franchising for a franchisor may be summarised as:
- The growth of the network is achieved using the financial and manpower resources of the franchisee
- The franchisor is not concerned with the day to day operation of each outlet
- The franchisor’s organisation is compact and can earn profits without involvement of high capital risk
- The network has an ability to grow rapidly
- The franchisor has fewer staff and fewer staff challenges
- The management of each outlet is the owner who will tend to be well motivated to be successful
- It provides wider and secured outlets for products and services
- It enables the franchisor to service national customers using their network of outlets
Points to consider prior to Franchising
Franchising your business can be a very successful way of expanding. Some of today’s largest businesses have used franchising to finance and accelerate their growth into global brands. However, franchising must be planned properly:
- It must be pilot tested with company-owned and operated outlets
- Business must be successful, distinctive and replicable
- Take proper professional advice – Solicitor, Banker, Accountant and possibly a Franchise Consultant
- The Franchise Agreement must be written by an experienced Franchise Solicitor
- Take time to write an operations manual
- Choose franchisees very carefully and slowly
- Avoid overselling and forecasts
- Have first class training
- Maintain good ongoing relationships
- Focus on Franchisee satisfaction and profitability
- Keep developing the Franchise and maintain standards
- Ensure marketing, advertising and PR is first class
As the most-franchised nation (per head of population) in the world, there is a very high level of awareness of franchising in Australia. As a result, the Franchise Council of Australia receives many inquiries from individuals and organisations who have existing businesses or who are developing business concepts and would like to establish these as franchise systems.
This high level of interest, however, is not followed through by the number of new franchise systems which actually enter the market. The reason for this is simple. Establishing and testing a business concept is not as easy as some would believe, and furthermore, Australia now has some of the world’s most stringent franchising legislation which means there is little or no margin for error for “new” franchisors.
Proving the Business Concept
The average stand alone small business has an 80% chance of failure in its first five years of operation. Prior to franchising, a small business should operate for at least this time (and certainly no less then three years) to prove that it has a viable concept, ongoing market demand, replicable systems, and a management, logistic, marketing and training structure capable of supporting franchisees in a variety of locations. If not, the business may well become another statistic.
During this period, it is highly desirable for the intending franchisor to open several outlets using their own capital in which they can test the adequacy of their systems, procedures, training, etc. The lessons learned during this phase will reap dividends after the successful commencement of franchise operations.
Getting Proper Advice
Experts who are skilled and experienced in franchising can give you competent advice relevant to your franchising plans. Be sure to seek out these specialists. Most are members of the Franchise Council of Australia, denoted with representation of our logo, and they are listed on the FCA website www.franchise.org.au under Buying a Franchise or at www.franchisebusiness.com.au .
It is critical that intending franchisors get the right advice from the very start of their franchise journey and, in particular, that they have ensured all aspects of their intellectual property rights are protected prior to franchising.
The Franchising Code of Conduct
Implemented on July 1, 1998, the Franchising Code of Conduct provides the most stringent national regulations for franchising introduced anywhere in the world. The Code was primarily introduced to outline the rights and responsibilities of franchisors to franchisees including particular requirements for disclosure of information, the provision of a cooling-off period, and unconscionable conduct.
Complying with the Code is mandatory, however registration with a central body, or “approval” is not required prior to the commencement of franchising. The Code is enforced by the Australian Competition and Consumer Commission and the penalties for breaching the Code are quite severe. Click here to find out more about the Franchising Code of Conduct.
How can the FCA Help?
The establishment of the FCA Franchise Academy coincided with the introduction of nationally recognised qualifications in Franchising.
In 2004 we developed Certificate and Diploma level courses in Franchising and we became the first educational institution to offer the Diploma of Business (Franchising).
The FCA Franchise Academy offers a career path via industry specific education enabling individuals to pursue continuing professional development drawing upon the expertise experience of leaders within the sector.
FCA Franchise Academy courses present up to date knowledge and relevant theory together with practical skills that can be applied immediately to your advantage in the workplace.
Information on the Franchise Academy is available at www.franchiseacademy.org.au .
The Franchise Council of Australia publish and market books on key aspects of franchise decision making, management and practices authored by acknowledged experts in their field.
- Franchise Guide
- Compiling a Franchise Operations Manual
- How to Franchise Your Business: A Guide for Australian Entrepreneurs
- Expanding Internationally: A Guide for Australian Franchise Systems
- Profitable Partnerships
- Franchisor’s Guide to Improving Field Visits
- The Franchise E-Factor
- What Great Retailers Do
- Marketing Works
For full details on these publications and more, please visit the FCA Bookshop .
#advertise my business
33 Free Places to Promote Your Website Online
The ultimate list of where to promote your site online for free
Whether you ve already taken your business online or still looking for a simple solution to create a professional website. you probably already know that promoting your website is crucial to your success.
If you have no previous experience with site promotion, you re likely reaching for a bottle of Aspirin right now. But fear not, marketing your website isn t only simple, it can be done without even spending a penny!
With the right time and effort, you can find yourself attracting a whole slew of new clients to your great looking site! Here are the steps to find out how to promote your website.
Make sure Search Engines know your Site
It may or may not surprise you to hear that the majority of traffic from the internet is derived from search engines. With that said, search engines should be the first place that you turn to to promote your online presence. Ensure that search engines know that your site exists by submitting your link directly to them. Once that s out of the way, the best way to improve your search engine presence is by taking the time to improve your SEO .
Right now, the search engines that generate the most traffic are:
Submit your site to Online Directories
The modern day Yellow Pages, online directories are where potential clients turn to to find business solutions. Adding your site to online directories is extremely important as it greatly improves your site’s SEO by linking back to your website. When submitting your site, make sure to include important details like your location and business category so that your website will appear in sub-categories where new and potential clients can easily find you.
Restaurateurs should also take the time to get listed in these restaurant specific sites:
Open Table Restaurant Management Software
Be sure to add the Open Table App to your Wix site as well for maximum exposure.
Invest in Social Link Building
Social sites are where many web surfers spend the majority of their online time. Linking your content on popular social sites is a great way to put your business in the face of your known audience, and also a fantastic opportunity to gain quality backlinks by exposing your brand to broader audiences.
Find Blogging Platforms and Article Submission Sites
Blogging platforms and article-submission sites are a terrific way to market your site. All you need to do is write an original article related to your business and submit it to these sites. While it’s important to keep these articles informative, try to keep your tone friendly. Articles that sounds genuinely well-intentioned and have a less aggressive marketing tone, will likely draw more interest to your site than self-promotion alone. Blogs and articles are also great for promoting link building for SEO benefits.
Share your Photos on Social Media
Similarly to social network sites like Pinterest and Polyvore, photo sharing sites give you the opportunity to display visual content that is related to your business, and can be used to refer and link back to your website. Photo sharing sites are not for photographers alone any business can use these sites to post images of events, coworkers, news and everything in between, as long as it s connected to your biz.
*Another Google Integrated site, sharing and tagging on this site come with additional SEO benefits.
Looking for an easy way to create a professional website? Wix s web templates are optimized for SEO and mobile viewing are super easy to customize. Create your free website now!
Other Cool Stuff
Simple SEO Tips to Skyrocket Your Google Ranking
SEO Tips: Write a Title that Google Will Love
Take Control of What People See When They Google You
#franchising your business
Top 4 Mistakes When Franchising Your Business
Freelance Writer and editor, Self-employed
Specializations: small business, entrepreneurship and human interest topics. Katie’s work has appeared in Hemispheres, USA Today, Consumers Digest, Crain’s Chicago Business and others. Read more of her work at www.katiemorell.com
Michael S. Rosenthal has childhood issues relating to franchising. No, he isn t damaged by a bad experience; he s regretful of what could have been. Back in 1957, the same year as his birth, his father Harvey opened a hot dog joint on the north side of Chicago. One day, a man came in and asked Harvey to go into business with him, offering a restaurant concept at $5,000 per store that, the man said, would blanket the nation and make Harvey very rich.
My Dad told him to get the hell out of his store, that there was no way he would pony up $5,000 that was a lot of money back then, says Rosenthal. That man was Ray Kroc, the founder of McDonalds. If only he had said yes, I wouldn t be working right now.
Perhaps due to this story, Rosenthal has made it his life s work to save wannabe franchisors from bad decisions. Today he heads the franchise law practice at Wagner, Johnston Rosenthal in Atlanta, Georgia, and shares the top four biggest mistakes he sees every day.
Mistake No. 1: Underestimating costs
While franchising can make your company (and you) wildly successful, it can also sink you in a massive hole if you don t have enough money on the outset. Most startup costs go to legal representation and the drafting of regulatory documents, says Rosenthal. And regardless if your franchise is doing well or not, the Federal Trade Commission mandates you update them once per year.
On the legal side, Rosenthal says costs can range from the low teens to the mid-20s. From there, you must file with your state s attorney general, which could cost you another $1,000 to $2,000. Then there are the accountant fees (franchised businesses must be audited once per year, even if you don t sell any units), which could ring you anywhere from $7,500 to $15,000. Gulp.
How much are we talking here?
I d say you should have somewhere in the high five figures, says Rosenthal. I ve had clients start with less, but it is rare. You really need to set aside legal and marketing money because things add up quicker than you think.
Greg Archer learned this the hard way. As co-founder of Age Advantage. a San Diego, California-based company that provides in-home care to senior citizens, he and his wife began offering franchises in 2006, but stopped about 18 months later largely because of under capitalization. He says you need even more than five figures starting out.
Being undercapitalized really inhibits growth ; I recommend starting with a minimum of $300,000 to $500,000, he says. As a new franchisor, there is no cash flow. You really don t make money on the sale of a franchise, you make your money on ongoing royalties.
In addition to legal and regulatory fees, the Archers were strapped with sales and marketing costs, all which proved to be too much. In 2008, they reevaluated their business. Two years later another company bought out their original location, which freed them up to focus on franchising alone.
Today, they are going to tradeshows and actively advertising. According to Archer, the company is on par to close about 15 more locations (they already have six) this year.
Mistake No. 2: Confusing the roles of franchisor and business owner
Rosenthal uses a barbecue restaurant as an example. As the business owner, it is your job to deliver mouth watering pulled pork; you do a great job and have legions of loyal customers. Pretty soon a potential business partner offers to open a franchise and you jump at the opportunity. It s an ace in the hole, right? Not exactly.
You need to recognize that being a franchisor and a business owner are two different skill sets, says Rosenthal. You may be a great chef, but that doesn t mean you will be a great franchisor.
Franchisors must be focused on finding and recruiting franchisees, says Rosenthal. Processes need to be put into place, manuals need to be written and franchisors need to invest time into training franchisees and lower level employees. These duties can take away from those related to owning your primary business.
Also consider bringing in a franchise consultant to help you with the process. (Note: to find a consultant, check out the International Franchise Association .)
Mistake No. 3: Lack of planning
Planning is key to a successful franchised business. Before even considering the business model, make sure you have a detailed operations manual for your business that goes step by step through every process in your company and you ve talked to an attorney or franchise consultant, recommends Rosenthal.
Don t just think that you can do it on the cheap and see how it goes, he says. Franchises take a lot of pre-planning.
Mistake No. 4: Franchising too soon
Just because your five-month-old Mexican restaurant is selling out every night doesn t mean it s time to think about franchising. Rosenthal suggests waiting three years before considering the business model.
You need to have everything figured out, he says. No one is going to want to buy your franchise if you haven t worked the kinks out yet.
#how do business loans work
What is a business loan?
Most entrepreneurs who start their own businesses will need financing from outside sources from time to time. You need cash for essentials like inventory, payroll, equipment and marketing. Rather than dipping into your profits, a business loan can cover your costs while keeping your cash flow intact.
Is a business loan right for me?
Business loans can be extremely beneficial during a growth period, fluctuating cash flow or to prepare for a busy season. If you are considering borrowing money for your business, carefully consider how you will use the funds. If you know that taking the loan will put you in a position to pay back the loan quickly, a small business loan can be a great option.
Before signing on the dotted line, it’s important to have a detailed business plan in place to ensure your extra working capital will help drive revenue that ultimately helps you pay the money back. Create a plan of action for how to use your line of credit and how you will repay it.
To successfully scale revenue, you can use your business loan to:
- Hire much-needed help. Bring on valuable employees that will put the time and energy into your business and decrease your workload, allowing you to focus on growth.
- Invest in quality equipment. Access to working capital can help you afford quality equipment, whether you’re leasing or buying new or used.
- Market your business effectively. Drive new customers and brand awareness through tools such as Google AdWords, Facebook ads, Twitter advertising and other online marketing networks.
- Expand your space. If you’re a brick-and-mortar business, your office or storefront is often the first representation of your brand. Make sure it’s a good one.
- Take a risk. Often the biggest risks can reap the biggest rewards. Without a business loan, you may not have enough extra capital to take risks that can pay off in the long run.
Kabbage provides working capital for a wide variety of businesses. While it’s not the right choice for startup businesses that need working capital to launch, it can be beneficial for a business that needs capital to grow. A Kabbage business loan can be used for hiring new employees, buying inventory, purchasing equipment and investing in marketing initiatives.
When a lucrative opportunity arises, you’re going to want to have extra capital on hand quickly. While banks typically take weeks and sometimes even months to approve a loan, Kabbage can get you capital in just minutes in your PayPal account, or it can be deposited to a traditional bank account in one to three business days.
Online Loans from Kabbage
- Get instant approval.
Unlike traditional lenders, we approve small business loans by looking at real-life data, not just a credit score. Link the services you use to run your business, and we’ll instantly review your business health. Your funds will be in your account in anywhere from a few minutes to fewer than three days. No paperwork, faxing or waiting in line.
- No hidden fees, no obligation.
You pay nothing to establish your line of credit, and you’re not obligated to take an online loan when you’re approved. Pay fees only on the working capital you take.
- Lines of credit from $2,000 to $100,000.
Draw against your credit line as often as once a day and pay only for what you take. With credit lines up to $100,000, you can dip into your piggy bank anytime.
- Access your funds 24/7.
Kabbage provides you with ongoing access to your funds online and on the go through our mobile app, so you’re always ready to take advantage of the next opportunity.
- Safe and Secure
Kabbage is TRUSTe certified, and we have and A+ rating with the Better Business Bureau. We take your security very seriously and follow all regulatory practices to maintain the integrity of your information. Regardless of whether you’re approved or take a business loan, you can apply with confidence that your information is safe.
Get the security of a business line of credit today
Qualify for a line up to $100,000 in minutes
Loans to suit your business
Refer a Business, Get $200
Help your friends grow their small businesses and earn a gift card! Find out more
Kabbage is powered by the Kabbage Platform. Visit the website
*Kabbage can approve you in minutes when we are able to automatically obtain your business data and instantly verify your bank account. In some situations errors may occur during the sign up process, or we may need to send micro-deposits to confirm your bank account for security purposes. If this is the case, it may take up to several days to provide you access to funding.
2016 Kabbage Inc. All rights reserved. Kabbage is a registered trademark of Kabbage, Inc.
All Kabbage business loans are issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.
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#free business banking
Business Free Checking
With no minimum deposit to open, no minimum balance requirement and 150 free transactions a month ($0.25 per item thereafter), Business Free Checking is designed for the small business that values flexibility and cost-control.
- 150 free transactions per month ($0.25 per item thereafter)
- No minimum balance
- No monthly maintenance fee
- $200 mortgage closing cost credit (See a Mortgage Loan Officer for complete details)
- Free Online Banking, BillPay and Account Alerts
Business Debit Cards
Business Free Checking comes with a free Visa Business Debit Card. Use it to make up to $5,000 a day in purchases from merchants, or to access up to $1,000 a day in cash from ATMs. 1 Also enjoy easy record-keeping, dependable security, worldwide acceptance and zero liability 2 for fraudulent charges. Open a business checking account and start using your Visa Business Debit Card today.
Visa Business Debit Card
- Up to $5,000/per day at merchants and up to $1,000/per day at ATMs 2
- Record keeping made easy. All Visa Business Debit Card purchases are deducted directly from your checking account; transactions appear online and on your monthly statement.
- Accepted Worldwide
When you use your Visa Business Debit Card, you’re protected by Visa’s Zero Liability Policy 3 so you won’t be held responsible for unauthorized charges.
Visa’s Zero Liability Policy makes shopping 100% safe and secure. Shop online, on the phone, or in your favorite store and never be liable for unauthorized use on your card. With Visa’s Zero Liability Policy. you risk nothing and PAY nothing for unauthorized use.
1 A surcharge may be assessed when using an ATM not branded with .
2 Visa’s Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security .
First National Bank is an equal opportunity employer-disability/veteran
Copyright First National Bank of Omaha. All Rights Reserved.
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“Business calendars are the best value for money marketing tool “
Welcome to the home of business calendars!
All you need to know about promotional business calendars including: Sizes, Styles, Templates, Prices, Ordering
Premium British designed and manufactured calendars, customised with your logo, corporate colours, and images.
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Our DIY calendar creation site is a cost effective alternative for businesses requiring smaller quantities of calendars. Perfect for small businesses or as giveaways after corporate team events.
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Marketing budgets slashed? Do not underestimate the power of calendars.
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#financing a business
You need to have a viable business idea. You must also have what it takes to make it work. You also must have enough money.
If you’ve got what it takes to start your own business, and you’ve done your research, forming a business is the next exciting leg on the journey.
Many people struggle with the financial side of managing their small business. Not everyone has a head for figures or wants to become an accountant.
If you want to run a legitimate enterprise, you must pay tax. It’s worth understanding your tax obligations before you start up to factor them in.
Many people, including some leading business representatives, argue that small firms are over burdened by the weight of business law.
It might be a cliché, but it remains true – planning without action is futile, while action without planning is fatal. You need a business plan.
Marketing matters. Marketing drives sales for businesses of all sizes by ensuring that customers think of their brand when they want to buy.
Premises provide the second-biggest overhead for many businesses. If you can start your business from your home, it will be much easier to break even.
The success or failure of a business can often rest in the hands of its most valuable asset – its people. But managing them can be a challenge.
There can’t be many firms in the UK, however small, that don’t use IT in some way. Many businesses simply couldn’t exist without IT.
Half of all new businesses fail within five years. So how do you survive and thrive? Find out how to scale up and become a high-growth business.
Financing a business
#business search engines
Virtual Business Search Engines
555-1212.com offers businesses and consumers the most accurate and comprehensive telephone directory information on the Web.
10K Wizard’s market leading, proprietary search technology gives users the ability to not only view the latest SEC filings of more than 68,000 companies, but search historical filings, from the start date of each company’s existence, by keywords, phrases and names.
Z Worldwide Airfreight Searchable Directory
Designed for Airfreight professionals, this massive directory features detailed listings of: Airlines, Airlines’ General Sales Agents, Airports, Cargo Agents/Freight Forwarders, Cargo Handling Agents, Express Operators and Couriers, Services and Supplies.
Access Business Online BizWiz
Access Business Online is a World Wide Web SuperSite. It is organized to put the single most comprehensive system of business-to-business services on the Internet at the fingertips of the user. It is quick, easy, and convenient.
BidFind is a World Wide Web Auction Search engine that’s linked to over 30 online auction sites. Use our search engine to browse through thousands of auctions and find the items you are looking for quick and easy.
BizAds Business Locator
The search engine dedicated to business listings.
The Business Publications Search Engine Content is gathered from government agencies, online business zines and consulting companies. Main topics break down into sub- categories and then to articles.
Search over 12,000 businesses for sale. Buy a Business or Sell a Business here. You can also buy a franchise or find an advisor. Intermediaries can register here.
The ultimate guide to Online Marketing, Advertising and E-commerce
Commerical Finance Online
The world’s largest Business Finance Search Engine to locate capital for businesses is Commercial Finance Online. Search over 14,500 companies by keyword.
Created in partnership by Dun & Bradstreet and Lycos, CompaniesOnline is a new search engine/database which furnishes data on 60,000+ private/publicly owned companies. You can search by: Company name, a lengthy listing of industries, ticker symbol or URL. Where applicable each result includes: Websites, industry, line of business, phone & DUNS numbers, and other pertinent information.
Europages Business Directory
A selective searchable index of 150,000 companies from 25 European countries.
FedEx Airbill Tracking
You can track the status of your package any time of day, anywhere in the world. You’ll be able to follow your package’s journey even while it is still in transit.
The FinanceWise search engine is the first search engine that focuses solely on financial-only content. Every topic, from risk management to syndicated finance and equities is indexed in depth, with the contents of each site evaluated by our editorial staff before sites are allowed into FinanceWise’s search index.
NetCheck Commerce Bureau Search
Search consumer records on 300 Member companies in 48 countries worldwide.
Crain Communications presents a a searchable database of Internet information, dedicated to what is seemingly everyone’s hot topic of the moment — Internet marketing. It’s a supplement to Advertising Age & Business Marketing and offers many useful tips to getting the word out on the Web.
NFIB: National Federation of Independent Business
Designed solely to assist small businesses, NFIB’s official site offers a free daily business workshop, tips on how to start a business of your own, and a searchable marketplace full of products and services most suitable for -you guessed it – small businesses.
Randburg – The Home of Global Commerce
This site contains information about 14 countries and it is still developing and rising.
SemioMap – Discovery Search for Business Intelligence
Discovery search answers open-ended questions by finding relationships among words in document text. A discovery search tool surfaces content hidden deep inside documents and displays it in an organized, navigable way.
A huge database dedicated to the success of all Canadian businesses at home and abroad. Available in both English and French.
Top Ten Business and Personal Lists
First, a collection of hundreds of Top 10 Lists in two categories: Business and Personal. These lists contain rich information, tips and solutions to everyday needs and special problems.
TSNN, the leading site on the internet for the tradeshow industry helps you instantly locate and compare extended information about thousands of tradeshows, exhibitors, industry suppliers and convention facilities.
UPS Package Tracking
Track any UPS bar coded package – any time, any where in the world.
Websense Company Locator
The tool for searching for companies’ websites when you don’t know
the exact URL address.
This business-to-business Search Engine will locate the information for you wheather it’s a Keyword, Business Category, Business Name, URL, Phone, Sales or any combination.
ZD Net Company Finder
A comprehensive guide to computer companies and their products on the World Wide Web. Use their search engine, browse by category or search their alphabetical listings.
World’s Largest Poster and Print Store!
#business search engines
Getting Your Site Seen By Search Engines
By Karyn Greenstreet
copyright © 2007-2012, by Karyn Greenstreet. All rights reserved.
When people search for you on Google, does your site show up on page 1 — or on page 20 — of the search engine results?
Since 84% of internet traffic goes through search engines, being ranked highly by search engines will send you a huge number of prospective customers.
Are search engines sending you enough traffic to build your business?
For instance, for the phrase mastermind group (which I rank #1), Google sends me 23,000 visitors per year. For the phrase small business coaching (which I also rank on page 1), Google sends me over 10,000 visitors per year. Just those two search phrases alone send 30,000 NEW visitors to my site each year.
What if you could do the same for the keywords you want to target?
Optimizing your site to get it ranked highly on the search engines can be a complicated subject. To simplify things, it’s helpful to first understand how search engines add sites to their database. Then we’ll cover some tips that you can put on your own website that will help you to get listed on search engines and get a higher ranking.
The Major Search Players
Let’s start off with the major search engines, the ones that most people use. Google is the most widely used search engine, getting between 55-65% of all searches. Yahoo Search and Microsoft Bing lag far behind with a total of 15-20% each.
While there are thousands of search engines, it’s always a good idea to start with submitting your website to the three largest. Why? Because 95% of all searches go through either Google, Yahoo or Bing.
How Search Engines Read Your Site
Search engines send out crawlers to index your site’s contents. Crawlers follow the links found on your site and enter your site into their search database based on text they find on your pages. This text is either found on your public pages, or the text keywords found in behind-the-scenes tags.
The amount of your keywords found on your page, the more weight it has with the search engines and the higher your ranking. But in case you think you can load your page with keywords in order to fool the search engine, think again. Search engines are smart and you can be penalized for keyword stuffing on your website.
How Search Engines Index and Rank Your Site
Search engines use several techniques to determine which category your site belongs in and which keywords people will use to find your site when using the search engine. Google says they use over 200 parameters ( signals they call them) to categorize and rank a website.
When submitting your site to search engines, they will ask you for your URL (website address). Then they will crawl your site, checking to see which keywords and ideas are most important from your site. And remember, you will be penalized for spamming your keywords and rank LOWER because of it. Also it’s important to note that search engines can not read the text in graphics, so if you are using a graphic-based navigation or have your keywords on a graphic next to your logo, the search engine will not notice it unless you use ALT tags.
Some search engines will rank your site based on your title, description and keywords that are supplied behind-the-scenes in special coding called tags. While not every search engine will read tags, it certainly can’t hurt to use them.
Again, there are rules: your Title tag shouldn’t be more than 100 characters, and your Description tag shouldn’t be more than 250 characters. They can be longer, but Google only shows the first 60 characters of your Title tag, and the first 160 of your Description tag in search results (if it shows your Description tag at all).
Google says that they don’t read Keyword meta tags at all. Google’s Matt Cutts says that Google definitely reads your Description tag as well. (Matt Cutts also says that Google does NOT use the keyword meta tag to help determine rank in the same video above.)
Submitting Your Site to Search Engines
Once your site is primed and ready for the search engines, then you have to submit it to them.
For Google, you can submit it here:
For Bing, you can submit it here:
Because Yahoo uses Bing’s search engine, you don’t need to submit it separately to Yahoo.
Use Google’s Webmaster Tools and Bing’s Webmaster Tools to see the status of your submission, any errors the search engines found when crawling your site, and some great statistics about the speed of your site.
Preparing your site for submission to search engines can feel like a daunting task. With these tips in mind, you’ll save yourself a lot of time and frustration when it comes time to submitting your site and rank higher in search results.
See you on the Internet!
Increase Revenue and Reach
Without Feeling Overwhelmed
Karyn Greenstreet is a small business coach and consultant. She shares tips, techniques and strategies with self-employed people to increase revenue and reach, create a clear business vision and plan, and implement it without feeling overwhelmed. Visit her website at www.PassionForBusiness.com
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