Tag: Application

Business loan application, Westpac, business loan application.#Business #loan #application


Can I ensure my business loan application is accepted?

Whether you’re considering a business loan now or in the future, it makes good business sense to know what criteria a bank looks for when assessing your business loan application and what you can do to improve the likelihood of being accepted.

Assessing your business loan application

When assessing your business loan, we’ll ask you:

  • Can you afford the business loan?

We’ll need your financials for the last 2 years including balance sheets, profit and loss and tax returns. Having access to this historical information helps us determine whether your business can meet your future loan repayments.

  • Can you provide security for your loan?

    You’ll need to secure your business loan with an asset, usually property (residential, commercial or rural) depending on the type of business. Find out what you can use as security for your business loan.

  • Will you be able to continue making repayments?

    We’ll evaluate your business by looking at your plans, competitor activity, suppliers and business contracts to determine whether your business will have enough revenue to meet your repayments in future.

  • What if you’re starting a new business?

    If you’re starting a business, you won’t have historical financial statements but you will need to provide a detailed business plan with profit and loss forecasting to support your business loan application.

    How to strengthen your business loan application?

    Improve your future borrowing potential by taking some basic steps today:

    • Maintain accurate, up to date financials. This provides a clear understanding of your business income and whether you can afford the business loan.
    • Make sure you have enough money to cover costs. If you have an existing business loan don’t overdraw your account and make consistent additional repayments when possible.
    • Maintain a good credit history by paying off your debts on time. All your credit activity (personal and business) is kept on file for 5 years – including your loan details, repayments, overdue accounts – and lenders use this information to assess whether you’re credit worthy

    If you’d like to discuss your options with a business manager, complete our short enquiry form and we’ll contact you or call us on 132 142 (8am-8pm, Mon – Fri).


    Tags : , ,

    Small Business Loan Application Example, business loan application.#Business #loan #application


    Bank Loan Application

    BUSINESS LOAN APPLICATION

    Existing Relationship Officer:__________________

    • Business Name_______________________________________
    • Address_____________________________________________
    • Telephone ( )______________ Tax I.D.____________
    • Individual Name(s)__________________________________
    • Address_____________________________________________

    Ownership Distribution: (List stockholders, partners, owner names) Note: Attach separate sheet if additional space needed.

    • Name__________Title________# of Years______%___ SS#_____
    • Name________Title________# of Years_________%___SS#_________
    • Name________Title________# of Years_________%___SS#_________

    Nature of Business__________________Year Established_______ Number of Employees________

    • Years at Present Location_________[ ] Own[ ] Lease
    • Accountant__________Telephone ( )
    • Insurance Agent____________Telephone ( )
    • Attorney_____________Telephone ( )

    FINANCIAL INFORMATION

    Bank of Account______________Account Number_____________

    Credit Relationships: Please provide details of your business credit relationships below:

    Original Loan Amount____________Maturity____________

    Name of Creditor_____________Purpose of Loan___________

    LOAN REQUEST

    Amount of Loan Requested______________ Type of loan_________

    Requested term of loan:___________________

    Specific Loan Purpose (Check all that apply)

    • [ ] Working Capital
    • [ ] Finance Purchase of Inventory
    • [ ] Finance Purchase Equipment
    • [ ] Finance Purchase of Real Estate
    • [ ] Finance Purchase of Business
    • [ ] Refinance Existing Loan or Debts
    • [ ] Other
      • Collateral Available* (Check all that apply)

        • [ ] All Assets (accounts receivable, inventory, machinery and equipment)
        • [ ] Specific Equipment (Please attach equipment list, including serial numbers or description of equipment, and invoices for new equipment.)
        • [ ] Real Estate (Please attach property address, legal description and a copy of most recent tax bill.) Square Feet Acres
        • [ ] Cash on Deposit at (name of bank) Branch Account #
        • [ ] Personal Assets (As described in Personal Financial Statement.)
          • *Collateral: Loans are secured by collateral, which is property in which a security interest is granted to secure repayment of the loan. The loan collateral may include business assets, stocks, bonds, certificates of deposits, or personal assets. Consider (1) the value of the loan collateral must be equal to or greater than the amount of the loan, (2) expected economic life of collateral will be considered by the Bank in evaluating the collateral offered for the loan, (3) formal collateral appraisals may be required, and (4) a pledge of personal assets may be required as additional collateral for the business loan requested.

            [ ] Guarantors** (Please list)

            • Name__________Social Security #_________________
            • Address__________________________________ Name___________________Social Security #________________ Address__________________________________ Name___________________Social Security #________________ Address__________________________________

            **Guarantors: For incorporated borrowers, guarantees of owner(s) is usually required, unless secured by Bank deposits or marketable collateral. If personal assets are in joint names, a sole proprietorship, and/or partnership, the Bank may require all parties to pledge collateral.

            BUSINESS BACKGROUND INFORMATION

            Please provide a brief history of your business, future plans and projections, and describe your products and/or services and competition.

            PERSONAL BUSINESS EXPERIENCE

            If you have been in your present business for under five years, please describe your previous business experience. (Include business background, management experience, and training, or include a resume.)

            CERTIFICATION

            The undersigned certifies that, to the best of his or her knowledge and belief, all information contained in this loan application and in the accompanying statements and documents is true, complete, and correct. The undersigned agrees to notify the Bank immediately of any material changes in this information. It is further agreed that, whether or not the loan herein applied for is approved, the undersigned will pay or reimburse the bank for the costs, if any, of surveys, title or mortgage examinations, appraisals, etc., performed by non-Bank personnel with the consent of the applicant.

            The undersigned authorizes the Bank to contact any bank and trade creditors it deems necessary without further notice, including, but not limited to, Dunn Bradstreet reports or information from TRW Credit Data.

            • Business Name (print):
            • Applicant Signature: Date:
            • Applicant Title:
            • Guarantor(s) Signature: Date:
            • Guarantor(s) Signature: Date:

            BUSINESS LOAN APPLICATION CHECKLIST

            Please be sure all of the following documentation has been included in order for your business loan application to be processed.

            • [ ] Business Loan Application
            • [ ] Accountant-Prepared Business Financial Statements (Profit and Loss, Balance Sheet) for the past three fiscal years
            • [ ] Business Federal Tax Returns for past three fiscal years
            • [ ] Interim Financial Statements (if available)
            • [ ] Most Recent Federal Tax Returns for each principal owner listed in the first section of the Business Loan Application
            • [ ] Personal Financial Statement

        Small Business Loan App – Payday Loans Online, business loan application.#Business #loan #application


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        Small Business Loans, Lines Of Credit & Mortgages, TD Bank, business loan application.#Business #loan

        Small Business Loans and Lines of Credit

        Business loan application

        Talk to an expert now

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        Small Business Lines of Credit

        Lines of credit are typically used for quick access to cash for business expenses like:

        Business loan application

        Small Business Loans and Commercial Mortgage

        Loans are generally used to finance business purchases such as:

        • Equipment or vehicles (leasing also available)
        • Expansion or renovation
        • Lump-sum working capital
        • Real estate purchase or refinance

        Small Business Lines of Credit

        A TD line of credit offers your business financial flexibility as you manage cash flow. Not only is it easy to access on-demand, it can also be paid down and used again as your business grows and changes.

        • Best for borrowing $25,000 to $500,000. 1

        (Larger lines available for commercial-sized businesses)

      • Competitive variable interest rate
      • Access your money by writing a check or transferring money online
      • Monthly payments are automatically deducted from your small business checking account
      • Your line of credit can be paid down and used again
      • You may choose to make an interest-only payment
      • Flexible options available through the SBA
      • Business loan application

        Limited-time offer*

        Prime + 0% for 12 months

        Small Business Loans and Commercial Mortgage

        Business loan application

        Ready to expand? Term loans allow you to finance expenses such as vehicles, equipment or a renovation. A commercial real estate mortgage is designed to help businesses invest in property. Both offer your business the security of a fixed rate and a predictable monthly payment.

        • Business term loan amounts from $10,000 to $1,000,000 with 3 or 5 year terms 1
        • Lease options also available for equipment purchase or refinancing from $5,000 to $1,000,000 1
        • Commercial real estate loan amounts from $25,000 to $1,000,000 with terms up to 20 years 1
        • Larger loans available for commercial-sized businesses
        • Interest on business loans may be deducted as a normal business operating expense for tax purposes 2
        • A steady amortization schedule helps you budget your expenses – giving you a fixed monthly payment for a fixed number of years
        • Competitive fixed interest rate
        • Payments are automatically deducted from your checking account
        • Flexible options available through the SBA

        Expand Compare your loan and line of credit options

        • Equipment or vehicle purchase
        • Expansion or renovation
        • Lump-sum working capital
        • Rent
        • Inventory
        • Payroll
        • Daily operations
        • Real estate purchase
        • Refinancing

        SBA Loans

        Preserve capital and get the money you need expand your business. As a Preferred SBA Lender, TD Bank provides SBA qualified small business owners the capital they need to grow.

        • Longer-term financing
        • Minimal equity requirements
        • Capital preservation
        • Shorter turnaround times
        • Faster access to loan proceeds

        Learn more about SBA loans

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        Expand Compare your SBA loan options

        Terms

        • Real estate purchase, refinance
        • Expansion
        • Acquisition
        • Partner buy-out
        • Equipment purchase
        • Franchise financing
        • Real estate purchase
        • Construction
        • Equipment purchase
        • Refinancing
        • 1 st mortgage – no maximum loan amount
        • 2 nd mortgage – maximum of $5MM-$5.5MM depending on industry
        • 90% lender
        • 10% borrower
        • 90% lender (50% TD Bank, 40% SBA)
        • 10% borrower
        • 75% lender
        • 25% borrower
        • Based on project size
        • Can be financed
        • Based on project size
        • Can be financed
        • No balloon payments
        • Lower equity requirements
        • Longer-term financing
        • Improved cash flow
        • Typically no balloon payments
        • Lower down payment
        • Longer-term financing
        • Project assets can be used as collateral

        Small Business Solutions

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        Resource center

        Help is here. Enjoy free

        access to small business

        articles, calculators and

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        TD Merchant Solutions

        Streamline your credit card

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        and Internet sales.

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        Get the expertise and financing

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        Ready to Apply?

        Read our guide to small business loans. Then schedule an appointment with a Business Banking Specialist and we’ll walk you through the process step by step.

        Business loan application

        Small business

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        Personal financial

        • (Required for all additional

        applicants with 10% or more

        ownership in the business.)

        1 Subject to credit approval. Contact your nearest TD Bank for rate and fee schedule.

        2 These are general tax guidelines. Please consult your tax advisor to discuss your specific situation.

        3 Other terms may be available.

        4 Some credit restrictions may apply. Loans subject to credit approval. Subject to sba.gov eligibility requirements.

        5 No balloon when amortization is 20 years or less

        *This special promotional interest rate is equal to The Wall Street Journal Prime Rate + 0%. As of June 18, 2017 the promotional interest rate is 4.25%. This interest rate is a variable rate and subject to changes in the Prime Rate. Small Business Lines of Credit are subject to credit approval and applicable only to secured Small Business Lines of Credit between $10,000.00 and $100,000.00. The promotional rate and $0 origination fee is available for qualified applicants that maintain an active TD Bank Business Checking account from which loan payments will be automatically deducted. Application must be received by 11/30/17. The Small Business Lines of Credit must be originated by 12/31/17 or interest rate may change to the current rate offered at that time. After the 12 month promotional rate, on the 13th billing cycle, the variable interest rate will increase to The WSJ Prime + a margin based on credit quality. Other fees and charges may apply; speak with your local lender for details. Note: Total Small Business credit exposure cannot exceed $1,000,000.00. Small Business Credit exposure is defined as the aggregate total of all business borrowing at TD Bank N.A owned by related borrowing entities. Additionally, total Small Business Line of Credit exposure cannot exceed $500,000.00. Unsecured Lines of Credit, increases/renewals to customers with existing Lines of Credit and loans and Lines of Credit guaranteed by an SBA program are not eligible for this offer.


        Tags : , ,

        How to Apply for a Small Business Loan, business loan application.#Business #loan #application


        How to Apply for a Small Business Loan

        In order for a small business to get off the ground, or to keep one operating, it must have financing which is often in the form of a business loan. One form of small business financing is debt financing. Small businesses can apply to banks or other financial institutions, like credit unions, for commercial loans. Usually, banks do not make loans to start-ups, but they do make loans to ongoing businesses. These are the major steps you should follow through the loan application process.

        Business loan application

        It seems obvious that a small business owner would know the reason for and amount of the business loan they need. If the business is a start-up, this is not necessarily true. Owners of start-ups may only be in the process of determining the amount of funds they need and why. Business owners, whether the firms are start-ups or existing firms, need to take some time and be able to clearly articulate why they need a business loan and how much they need. Often, businesses may not be able to address the question of how much they need until they prepare their financial statements as part of their business plan. More

        Continue to 2 of 6 below.

        Especially if your business is a start-up, you may want to get some advice and help from experienced executives. If you have a chapter of SCORE in your area, they are a wonderful and free source of advice and help. SCORE is a non-profit, volunteer group of retired business executives. If you don t have a local chapter, you can get online advice and online counseling. You may also have a local chapter of the Small Business Development Center (SBDC), particularly if you have a nearby university. The SBDC is part of the Small Business Administration (SBA) and exists to help existing and new small businesses. It will help small business owners with the application process for a small business loan.

        Continue to 3 of 6 below.

        If your business is a start-up or less than three years old, your personal credit history will be evaluated as well as your business credit history. Before you apply for a small business loan, take some time to get your personal credit history in order. Request your credit report from each of the major credit reporting agencies. Review these credit reports. If you see any errors on your credit reports, write the agency a letter and detail the error and ask for it to be fixed. If there is an error that the agency will not fix, file a credit dispute report. Check on your credit score. A credit score about 700 is very good and significantly increases your chance of being approved for a loan. More

        Look at the commercial banks available to you. Don t just go to the large, national commercial banks. You may have a better chance for a loan at the smaller regional commercial banks. Other non-bank institutions might be options for you such as credit unions. If you are a member of a local credit union, talk to the loan officer there about your need for a small business loan. If they make such loans, pick up a loan application there as well. There are other options such as microfinance loans that make loans to startups. If one lender turns you down, another may say yes to the same loan application so keep trying. More

        Continue to 5 of 6 below.

        Learn how to start your own business or side hustle, and discover strategies to attract customers and pump up your profits.

        This may be your most important step. In order to get a small business loan from just about any lender, you have to prepare a good business plan. In fact, until you have a good business plan, chances are you won t even know how much money you need or how fast you can repay it. The business plan is in addition to the loan application required by the financial institution. Business plans consist of many parts. A good business plan will have several years of past and project financial statements for your business. It will include a statement of collateral or the type and value of assets you will use to secure the loan. You will need to include an analysis of the market your business will serve as well as a statement of your own experience.

        In order for the loan officer at your financial institution to give your application for a small business loan a second look, you have to make it compelling. Prepare a presentation of your business plan and application for your loan officer. Put together a professional package to hand to your loan officer with a narrative plus any financial statements, spreadsheets, charts, and graphs necessary. Be sure and include an Executive Summary. Many loan officers read the Executive Summary first and decide whether they are interested based on that. Make an appointment with your loan officer and request enough time to do a short presentation, with visual aids, based on your business plan. Be concise, succinct, and organized.

        Business loan application


        Tags : , ,

        Small Business Loan App – Payday Loans Online, business loan application.#Business #loan #application


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        Tags : , ,

        Small Business Loan Application Example, business loan application.#Business #loan #application


        Bank Loan Application

        BUSINESS LOAN APPLICATION

        Existing Relationship Officer:__________________

        • Business Name_______________________________________
        • Address_____________________________________________
        • Telephone ( )______________ Tax I.D.____________
        • Individual Name(s)__________________________________
        • Address_____________________________________________

        Ownership Distribution: (List stockholders, partners, owner names) Note: Attach separate sheet if additional space needed.

        • Name__________Title________# of Years______%___ SS#_____
        • Name________Title________# of Years_________%___SS#_________
        • Name________Title________# of Years_________%___SS#_________

        Nature of Business__________________Year Established_______ Number of Employees________

        • Years at Present Location_________[ ] Own[ ] Lease
        • Accountant__________Telephone ( )
        • Insurance Agent____________Telephone ( )
        • Attorney_____________Telephone ( )

        FINANCIAL INFORMATION

        Bank of Account______________Account Number_____________

        Credit Relationships: Please provide details of your business credit relationships below:

        Original Loan Amount____________Maturity____________

        Name of Creditor_____________Purpose of Loan___________

        LOAN REQUEST

        Amount of Loan Requested______________ Type of loan_________

        Requested term of loan:___________________

        Specific Loan Purpose (Check all that apply)

        • [ ] Working Capital
        • [ ] Finance Purchase of Inventory
        • [ ] Finance Purchase Equipment
        • [ ] Finance Purchase of Real Estate
        • [ ] Finance Purchase of Business
        • [ ] Refinance Existing Loan or Debts
        • [ ] Other
          • Collateral Available* (Check all that apply)

            • [ ] All Assets (accounts receivable, inventory, machinery and equipment)
            • [ ] Specific Equipment (Please attach equipment list, including serial numbers or description of equipment, and invoices for new equipment.)
            • [ ] Real Estate (Please attach property address, legal description and a copy of most recent tax bill.) Square Feet Acres
            • [ ] Cash on Deposit at (name of bank) Branch Account #
            • [ ] Personal Assets (As described in Personal Financial Statement.)
              • *Collateral: Loans are secured by collateral, which is property in which a security interest is granted to secure repayment of the loan. The loan collateral may include business assets, stocks, bonds, certificates of deposits, or personal assets. Consider (1) the value of the loan collateral must be equal to or greater than the amount of the loan, (2) expected economic life of collateral will be considered by the Bank in evaluating the collateral offered for the loan, (3) formal collateral appraisals may be required, and (4) a pledge of personal assets may be required as additional collateral for the business loan requested.

                [ ] Guarantors** (Please list)

                • Name__________Social Security #_________________
                • Address__________________________________ Name___________________Social Security #________________ Address__________________________________ Name___________________Social Security #________________ Address__________________________________

                **Guarantors: For incorporated borrowers, guarantees of owner(s) is usually required, unless secured by Bank deposits or marketable collateral. If personal assets are in joint names, a sole proprietorship, and/or partnership, the Bank may require all parties to pledge collateral.

                BUSINESS BACKGROUND INFORMATION

                Please provide a brief history of your business, future plans and projections, and describe your products and/or services and competition.

                PERSONAL BUSINESS EXPERIENCE

                If you have been in your present business for under five years, please describe your previous business experience. (Include business background, management experience, and training, or include a resume.)

                CERTIFICATION

                The undersigned certifies that, to the best of his or her knowledge and belief, all information contained in this loan application and in the accompanying statements and documents is true, complete, and correct. The undersigned agrees to notify the Bank immediately of any material changes in this information. It is further agreed that, whether or not the loan herein applied for is approved, the undersigned will pay or reimburse the bank for the costs, if any, of surveys, title or mortgage examinations, appraisals, etc., performed by non-Bank personnel with the consent of the applicant.

                The undersigned authorizes the Bank to contact any bank and trade creditors it deems necessary without further notice, including, but not limited to, Dunn Bradstreet reports or information from TRW Credit Data.

                • Business Name (print):
                • Applicant Signature: Date:
                • Applicant Title:
                • Guarantor(s) Signature: Date:
                • Guarantor(s) Signature: Date:

                BUSINESS LOAN APPLICATION CHECKLIST

                Please be sure all of the following documentation has been included in order for your business loan application to be processed.

                • [ ] Business Loan Application
                • [ ] Accountant-Prepared Business Financial Statements (Profit and Loss, Balance Sheet) for the past three fiscal years
                • [ ] Business Federal Tax Returns for past three fiscal years
                • [ ] Interim Financial Statements (if available)
                • [ ] Most Recent Federal Tax Returns for each principal owner listed in the first section of the Business Loan Application
                • [ ] Personal Financial Statement

            What is CRM Software? Webopedia Definition #crm, #customer #relationship #management, #customer #service, #business, #analytics,

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            CRM software – customer relationship management software

            Related Terms

            In CRM (customer relationship management ), CRM software is a category of software that covers a broad set of applications designed to help businesses manage many of the following business processes:

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            While CRM software is most commonly used to manage a business-customer relationship, CRM software systems are also used in the same way to manage business contacts, employees, clients, contract wins and sales leads. Typically, CRM software is used in the enterprise, however many products scale and can be used in a business of any size.

            Today’s CRM Software

            CRM software is designed to help businesses meet the overall goals of customer relationship management (see Webopedia’s CRM definition ). Today’s CRM software is highly scalable and customizable, allowing businesses to gain actionable customer insights with a back-end analytical engine. view business opportunities with predictive analytics. streamline operations and personalize customer service based on the customer’s known history and prior interactions with your business.

            CRM Software Installations

            Customer relationship management software is offered in a number of installations including on-premises (where the software resides inside the corporate firewall and is managed by IT operations), or as web-based (cloud applications) where the software is hosted by a CRM provider and accessed by the client business online via the provider’s secure services.

            Top 5 CRM Software Related Questions

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            Credit Cards – Apply for Best Offers Online at #credit #card, #credit #offers #2017,

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            If you have excellent credit history. then the best credit card offers are yours for the taking. Earn cash back, plane tickets, hotel stays, discounts on gas, gift cards, and more – all for making the everyday purchases you’d make anyway. Credit-Land.com will help you pick the card that gives you rewards you can use and make your card work for you. Make your money go further and get awesome rewards when you find the perfect credit card for your excellent credit history.

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            FOR PEOPLE WITH LIMITED CREDIT HISTORY

            If your credit falls into the fair or limited category, you may think that good credit card offers are out of reach for you. While it’s true that the very best offers won’t be available, our experts can show you cards that can help you take advantage of the best offers for fair or limited credit. A prepaid card or a credit card for fair credit may be the best option for you while you work on repairing your credit, as long as you make on time payments to all creditors and keep balances low relative to the credit limit. We’ll show you which card fits your needs.

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