Tag: Business

Small Green Business Ideas to Jumpstart Your Cottage Industry #business #bank #account


#cottage industry ideas

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Small Green Business Ideas to Jumpstart Your Cottage Industry

Going home-based can have a lot of benefits, not the least of which is the chance to turn it into a small green business. When someone says green, there are often a lot of misconceptions. The perception is that it would be expensive or large-scale, something better suited for a large corporation. However, the reality is that there are a number of small green business ideas that don t require multi-million dollar starting capital or big business performance capability.

The big players when it comes to making soaps are large manufacturers that have the resources to spend heavily on manufacturing and advertising. However, that doesn t mean that a home-based small green business dedicated to it can t find a niche to succeed in. Eco-friendly soap-making is relatively simple to do from the average home and has the potential to generate a decent income.

Crucial to succeeding at this are the following:

* A niche product that matches a niche clientele

* Creative approaches, such as shaping soap like animal characters or using bright colors

* Starting locally before slowly expanding both production and operations over time

This doesn t come up often when talk of small green business ideas happens, but it should. Business will pay money for the advice of an expert, even if they don t want to have the expert under their formal employ. Consultancy is basically the art of selling experience and know-how to companies that need it. People who know a trade or field better than anyone else can make a good income from being a consultant while also having very little actual environmental impact.

Old Tire Recycling

This small green business idea requires a bit of creativity. The number of tires that cars around the world go through every year is staggering. Some of them can end up being recycled, but a lot of them are just going to end up somewhere unused and ignored. A business focused on making all sorts of creations out of old tires needs creativity, but it can appeal to people and grab a market for itself. Here are a few examples on the creative uses for old tires.

Custom Lamps and Lampshades

This is another potential small green business idea that requires creativity. The basic idea is to turn random trinkets and items into a lamp or other light fixture. A creative eye and a touch for designing things are part and parcel of this type of business. For the most part, all that s needed in terms of materials are a little capital and simple tools.

For this small green business idea, all that s needed are creativity, a sewing machine and some old clothes to work with. Torn jeans, old rags, shirt that don t fit anymore all of that can be recycled and turned into something new with a little elbow grease and a lot of creativity.

Small green business ideas aren t something that everyone comes up with, but that doesn t mean there s a shortage of them. Green business ideas also aren t as expensive as most people think. In many ways, they can be very cost-effective and have as much potential to be profitable as anything else.

Lorna Li is a business coach, entrepreneur and Amazon rainforest crusader, with a passion for green business, social enterprise, and indigenous wisdom. She helps changemaking entrepreneurs harness the power of the Internet to reach more people and make a bigger impact, while designing the lifestyle of their dreams. She is an Internet marketing consultant to changemakers. and works with innovative tech startups, sustainable brands, social enterprises B-Corporations on SEO, SEM Social Media marketing.

Latest posts by Lorna Li (see all )

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Tara Kekaha from Oakland was about to launch a new online business promoting sustainable tourism and accommodation. She trying to determine what kind of website she needed to power her business, in addition to the best way to name it. I can t say enough about Lorna s expertise in this field. So many options and routes to take when you re starting out. I m starting my new business and have questions about choosing a domain name Do hyphenated names work? How do I choose what domains to purchase? What types of names are going to be successful for SEO? Does .co work as well as .com? She clearly has a lot of experience and (I m sure) has saved me a lot of time, work, and worry. It s good to know there s someone there who cares about changing the world, being green, and has all that experience to boot.

Tara Kehaka Consultant at Mountain Sobek Travel

As a business coach, Lorna demonstrated not only utmost dedication to our interaction but an exceptional capability to envision equitable scenarios with a critical mind for realisable solutions and a fine sensibility to my needs and concerns. She acts, works and lives according to the best and most honorable principles I have encountered in humans to date.

Dominic Thiffault https://www.facebook.com/partime.dreamer

Working with Lorna has been an excellent experience! The level of detail and information that she has is enormous. As a speaker in the Green Business Entrepreneurs Summit I was amazed at the quality and the amount of information that Lorna has about the green economy and the green social media scene.

Lorna hired me as a blogger to assist in a link building campaign for a top national solar company. Lorna manged the remote team with deft efficiency. I was very impressed to see that within 90 days, the client ranked #1 for a highly competitive solar keyword.

Beth Buczynski Writer, Editor, & Green Brand Advocate See Beth Write LLC

Lorna is adept at creating media that tells the story of social entrepreneurs, in a way that not only promotes the business, but inspires other entrepreneurs to follow in their footsteps. Her insightful videos, audio podcasts, and digital products provide detailed, step by step guidance on how to become a profitable, purpose driven business.

Tyler Gage President & Co-Founder of Runa Amazon Guayusa Tea

Lorna is a master at both online and traditional green marketing. Her website is consistently at the top of search rankings as a result of her persistant hard work, as are various articles and sections of TriplePundit.com which she has contributed to from time to time.

Nick Aster Founder & Publisher Triple Pundit

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Entrepreneurs for a Change is a podcast, community, and resource for entrepreneurs who are changing the world and the way we do business. We are about business for good, not business as usual. We are about making impact, while making profit. We are about loving our work, rather than hating our jobs. We area bout designing a business that supports our lifestyle rather than work that takes over our lives. We are here to show you how you can have passionate work and adventure in life, though the mentorship of entrepreneurs who are already doing it

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Business Calendars #small #business #funding


#business calendars

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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.

Promote your business and message to your prospective and existing clients 365 days a year. Standard delivery is just 10 working days from artwork approval .

Our dedicated, friendly team are crazy about calendars! Please contact us to discuss your project.

Early Bird Discount

Order early & save – Order by July 31st 20% off, August 31st 15% off, September 30th 10% off, October 31st 5%.

Why reinvent the wheel – be inspired by those that have created before you.

If you love the idea of a calendar but have no images to use, please contact us for access to our royalty free image library. Inspiring conceptual images, fantastic wildlife shots, traditional British scenes and much more.

25 to 100 calendars? DIY!

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.

No software to download! Quick, easy and you can do it yourself online right now!

Can’t find what you are looking for? We can print to any size, material, or finish specifications – tell us your exact requirements and we will send you a written quotation.

We want you to be confident in our service and product.

Our calendars are professionally produced in the UK by a family printing business established for over 30 years.

Order your free sample today, see the print quality and feel the paper thickness for yourself.

Do you have your own design team? Need us just to print? No problem, you will receive 75 discount when you order if supplying your own artwork. Contact us to discuss you project and artwork requirements.

Marketing budgets slashed? Do not underestimate the power of calendars.

  • The best value for money marketing tool
  • The only advertising your clients will actually ask you for!
  • A gift they will keep and use 365 days a year
  • Make sure it’s your brand and message on their wall and desk!

Learn more about the power of calendars

Don’t take our word for it! Read our client testimonials

The calendars arrived safe and sound – many thanks, they are really good quality and I’m very pleased with them. We’ll have no hesitation in using your services again in the future. All the best.

Thanks for the calendars. Very pleased with the result. Printing usually dulls down photographs but these look as good (or even better) as they do on a computer screen.

Many thanks, the calendars are printed beautifully. We are delighted. Merry Xmas to you and your family


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Business Loans #short #term #business #loans


#how do business loans work

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Business Loans

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.

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All Kabbage business loans are issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.
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Financing a business guide #business #to #business


#financing a business

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Financing a business guide

Table of contents

Business planning

Securing financial assistance to start your new business is directly related to the strength of your business plan and the research that you do. To be considered for funding from financial institutions or investors, you must demonstrate that you understand every aspect of your business, and its ability to generate profit.

What is a business plan?

A business plan is a written document that describes your business objectives and strategies, your financial forecasts, and the market you are targeting. Preparing your plan will help you focus on how to run your new business with the best chance for success.

For copies of sample business plans call us at:
1-888-576-4444

Market research

To run a successful business it is helpful to know who your customers are, what they want and how to reach them. You can go directly to your customers for answers (primary market research), or you can use information that already exists (secondary market research).

CBO can help you with your secondary market research. Contact us directly for:

  • information about business associations, manufacturers, suppliers and competitors
  • articles about consumer, business and industry trends
  • Canadian consumer spending statistics and demographic data for market research
  • sample business plans
  • international trade data

The secondary market research service is offered free of charge and is available for people at any stage of business in Ontario.

Note: Research requests may take up to seven business days to complete.

Business advisory services

Find information about Ontario’s small business community, attend seminars, and access business publications at various in-person locations across Ontario.

Services vary based on regional needs, so we suggest you call ahead or visit your local office s website for more detailed information for your area.

Financing programs

There are many different ways to finance your business. Canada Business can help you find government programs that are available in Ontario.

Common sources of business financing include:

The Canada Small Business Financing Program (CSBFP)

By sharing the risk with your financial institution, the CSBFP may help you get up to $1 million to start, expand, modernize or improve your small business. To be eligible your business should have annual gross revenues of no more than $10 million.

You can use the loan to finance the cost of purchasing or improving fixed assets. For example, you could finance:

  • buildings and land
  • commercial vehicles
  • business equipment
  • leasehold improvements for a franchise

You cannot use the loan to finance items such as:

  • working capital
  • inventories
  • franchise fees
  • research and development

To apply for this program, contact an approved bank, caisse populaire or credit union. The lending institution has the final say on the loan approval.

The Business Development Bank of Canada (BDC)

If you can demonstrate that your business has realistic sales potential, you may be eligible for financing and management services from the BDC, Canada s bank for business. Learn about a variety of programs for business, including:

Ontario Community Futures Development Corporations (CFDCs)

You may be eligible for a loan of up to $150,000 to start or grow your business in Northern Ontario or in rural areas of Southern and Eastern Ontario. CFDCs provide financing to help new or existing businesses with start-up, expansion or stabilization plans that help maintain or create jobs. You can also take advantage of several business support services, including:

  • business advice, counselling, information and referrals
  • business planning
  • export support
  • entrepreneurial training

Please note that services vary based on regional needs. We suggest you call ahead or visit your local office s website for more detailed information for your area.

Futurpreneur Canada Start-Up Program

You may be eligible for a loan of up to $15,000 from Futurpreneur Canada.

To be eligible, you should:

  • Be between the ages of 18 to 34
  • Create a business plan for a business that will employ you full time
  • Work with a mentor for two years
  • Own at least 51% of your business

If you are approved for funding from Futurpreneur Canada, you may also be eligible for additional funding of up to $30,000 through a special partnership with the Business Development Bank of Canada (BDC).

For more information or to apply for the loan, visit the Futurpreneur Canada website or call them to find the nearest office.

For applicants aged 35 to 39, you can also apply through Futurpreneur Canada and work with one of their mentors, but your financing terms and conditions are from BDC for a maximum loan of $45,000.

Financing search tools

To search for other financing programs, visit the Canada Business website. There are programs that apply only to businesses in Ontario, and others that are available across Canada. Use the search tool or browse by type of financing.

Municipal business programs

Your local municipal office may offer financing and support for your area. You can find the number for your municipality on the Association of Municipalities of Ontario website. Contact them directly to find out what is available in your area.

You can also find books, magazines and other relevant print material at business service organizations in your community. To locate a Canada Business Ontario (CBO) community partner, contact us at 1-888-576-4444 .

Supplemental content

Related Topics

Business planning FAQs Find the answers to questions often asked about preparing a business plan. Sources of private sector financing Find out about the debt and equity financing available from the private sector for your business needs. Financing from non-government organizations There may be not-for-profit or community-based organizations that can offer you financing or direct you towards financing.

Date modified: 2016-01-28


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How to Start a Candle Making Business (with Pictures) #business #documents


#candle making business

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How to Start a Candle Making Business

Decide what type of candle you would like to make. When you’re first starting out, it’s best to stick with one or two products. In candles, making container candles is probably the simplest, but you can also make mold candles or taper candles. [1]

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Pick a wax to work with. Waxes come in several main groups. Which group you choose is mostly based on preference.

  • One group is paraffin, which is a by-product of petroleum. You can find it in a variety of melting points, depending on what type of candles you are making. For instance, you need a higher melting point for tapers than you do for container candles. [2]
  • Another type of wax is beeswax. Beeswax is a product that bees make, so it has a natural, light honey smell. Some people prefer this wax because it is all-natural, though others will mix beeswax with other waxes for their candles. [3]
  • A third category of waxes is vegetable waxes, where soy is probably the most popular. One benefit of soy wax is it is pure white, and it also doesn’t shrink up when you pour it, which means you don’t have to pour wax more than once. Bayberry wax is also in this category. [4]

Learn the technique. One of the simplest ways to learn how to make candles is to take a class in your community. You may be able to find one with your local parks and recreation department or even at your local community college. However, you can also find a wide variety of tutorials online. In fact, you’ll likely be able to find all you need to know online if that is your preference. [5]

  • You can also check out books from your local library about candle-making.

Practice the technique. Before you start selling, you need to take time to build up your skill. Try working a little bit each day on your business, starting with practicing a bit each day.


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Business calendar example #zee #business


#business calendars

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Business calendar example

This month business calendar example reminds about the date and time of business and private appointments and events.
“A wall calendar is a calendar intended for placement on a wall. Wall calendars can serve as reminders of holidays, important events, and company events.
Businesses frequently give wall calendars away for free to customers as promotional merchandise.” [Wall calendar. Wikipedia]
This business calendar example was created using the ConceptDraw PRO diagramming and vector drawing software extended with the Calendars solution from the Management area of ConceptDraw Solution Park.

Business calendar is a special type of calendar, it must be functional, convenient for scheduling the affairs and meetings, and also must have strict, official and unobtrusive interface. So you must pay special attention to the business calendar design. Now you don’t need to be an artist to design business calendar thanks to the unique drawing tools of Calendars Solution for ConceptDraw PRO diagramming and vector drawing software.

The calendars around us everywhere in the modern world. There are a lot of calendar types, each of them has its own assignment: Business calendar, Personal calendar, Economic calendar, Financial calendar, Daily calendar, Monthly calendar, and many other useful calendar types. ConceptDraw PRO offers you the possibility to make your own unique calendars on the base of the Blank Calendar Template which is included to the Calendars Solution from the Management Area.

Milliard of people every day use the calendars which around us everywhere. For their creating designers apply large efforts, and also all their fantasy to make them attractive. Now we are glad to offer you the effective drawing tool – Calendars Solution from the Management Area for ConceptDraw Solution Park which contains the ready-to-use Blank Calendar shapes.

ConceptDraw PRO has a large selection of various shapes, objects and clip-arts. It also has a tool that helps you find exactly what you need. ConceptDraw PRO has calendar objects available, and it’s very easy to customize it and set your dates. The ability to create a custom calendars is delivered by the Calendars solution. With the help of ConceptDraw PRO you can create a calendar that helps you plan your day / week / month and do not forget about the important things in life. For any day in your custom calendar, you can create a task list and add hyperlinks to a relevant information.

ConceptDraw PRO
Video Lessons

Calendars

Calendars solution extends ConceptDraw PRO software with templates, samples and library of vector stencils for drawing the business calendars and schedules.

The economic calendar is a convenient way to display the economic events, the situation on the financial markets, it is a handy tool to keep track the chronology and dynamics of important events in the economy. But how design an economic calendar? ConceptDraw PRO extended with Calendars Solution from the Management Area is a useful, convenient and effective software for quick and easy design professional looking and attractive economic calendars.

Use ConceptDraw PRO diagramming and business graphics software to draw your own flowcharts of business processes.

These donut chart templates was designed using ConceptDraw PRO diagramming and vector drawing software extended with Pie Charts solution from Graphs and Charts area of ConceptDraw Solution Park. All these donut chart templates are included in the Pie Charts solution. You can quickly rework these examples into your own charts by simply changing displayed data, title and legend texts.

Human Resource Development (HRD) focuses on the help employees develop their personal and organizational skills, abilities, and knowledge, HRD also helps to adapt an organization to the changing of external environment. ConceptDraw PRO diagramming and vector drawing software supplied with HR Flowcharts Solution from the Management Area of ConceptDraw Solution Park can effectively help in labour-intensive process of human resource development.

ConceptDraw PRO extended with Seven Management and Planning Tools Solution from the Management Area of ConceptDraw Solution Park is the best software for drawing all types of diagrams from the Seven Management and Planning Tools: Affinity Diagram, Relations Diagram, Prioritization Matrix, Root Cause Analysis Tree Diagram, Involvement Matrix, PERT Chart, and Risk Diagram (PDPC).

Human resource management (HRM) is a professional discipline which oversees and manages an organization’s human resources, and aspires maximize employee performance for an employer’s strategic objectives. The HR Management Software is an incredibly powerful tool for those who need to analyze or present human resource process flows in a visually effective manner.

Business Processes

Business Process solution extends ConceptDraw PRO software with business process diagrams as cross-functional flowcharts, workflows, process charts, IDEF0, timelines, calendars, Gantt charts, business process modeling, audit and opportunity flowcharts.

Management Area

The solutions from Management area of ConceptDraw Solution Park collect templates, samples and libraries of vector stencils for drawing the management diagrams and mind maps.

ConceptDraw PROJECT allows you to modify common working hour schedules individually for each employee.


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Business Lists For Sale #business #continuity #plan


#business list

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Email Marketing

Email marketing has become a vital tool for small businesses that want to send regular marketing messages. The initial attractions are obvious – it’s fast and cheap. But that’s not all – email marketing offers sophisticated opportunities to target messages to the right people at the right time and bring in serious business.

Why Us?

Whether you need the information for personal or business matters, you will find that Special Databases can help you. We offer a US real estate agents email list that is more comprehensive than any other option you could choose. Our specialized lists, including the US real estate agents email list.

Why Us?

Whether you need the information for personal or business matters, you will find that Special Databases can help you. We offer a US real estate agents email list that is more comprehensive than any other option you could choose. Our specialized lists, including the US real estate agents email list.

Welcom to Business List For Sale

We are database provider.When you need a US real estate agent list that is up to date, then please take a look at our US real estate agent directory. Our US realtor lists are constantly updated to provide the most accurate information possible. We spend time adding information when we can and removing any outdated information to provide you with high quality details for a low price. We can save you so much time by providing the best US real estate email list. We provide that list to you in an easily downloadable format as well so that you can have instant access to the information you need..

Treatments

Real Estate Database

Business Email Database List

HEALTHCARE EMAIL DATABASE LISTS

INTERNATIONAL EMAIL LISTS

About us

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Our mission

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About us


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Best 295 Business Schools 2016 #business #continuity


#business school rankings

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The Best 295 Business Schools 2016 Edition is here

We surveyed more than 22,000 students at 295 business schools so we can tell you which b-schools have the best professors, the most competitive students, and more. Find out if your dream MBA program made one of our 11 unique ranking lists.

See the complete list of our 295 Best Business Schools, or view the list by region.

Featured Rankings

Check out our complete list of 295 Business schools, based on surveys of school administrators and over 22,000 students.

You re pursuing your MBA for a brighter future. Find out which schools have the best track records for getting students jobs and the highest starting salaries.

Looking to smash the glass ceiling? These schools will give you a boost by offering the best experience for women.

These schools provide specific resources and supportive cultures to the most diverse faculty and student populations.

Find out which schools have the most competitive applicant pools and celebrate big-time if you get in!

Exciting and accessible professors can make or break your b-school experience. Find out which schools have the most highly rated faculties.

Check out which schools are home to the most celebrated faculty, the brightest class discussions, and most cutting edge trends in both business and learning.

You ll be living on or near campus for at least three years find a beautiful b-school in a livable location.

Want to be sure you ll get the business classes you want on your schedule? These schools run smoothly, making it easy for students to register for required and popular courses.

If you re bringing your family to b-school with you, you need this list. These schools have the happiest married students and offer support to students with children.

Do you perform best under pressure? Check out the schools with the biggest workloads and the most intense environments.

Looking to apply your MBA to sustainability or social issues? Students at these schools feel the most prepared for those challenges!

Why The Princeton Review?

Productive Preparation

We know that great scores take work. That’s why we design our courses to be efficient, targeted and strategic so you make the most of every minute you spend prepping.

Quality Content Delivery

Our experts know how to design lessons based on how you’re learning. That means we don’t just record classroom lessons and put them in our Self-Paced prep we design lessons FOR Self-Paced.

Engaging Teachers

We love our teachers, and so will you. We look for proven expertise and a sense of humor, and that’s BEFORE we put them through 40 hours of training!

Better Scores, Guaranteed

We guarantee progress in our programs that include live instruction and proctored exams.


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Business & Economy #best #small #business #to #start


#business list

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How to Finance Your Start-up Business #sba #loan


#how to finance a business

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How to Finance Your Start-up Business

Making Your Dream a Reality: Finance Your Start-up With the Right Mix of Capital

If you’re planning on starting a business, chances are you’ll need some form of capital, which simply refers to the money that finances your business.

One reason for the failure of many small businesses is that they undercapitalize their business. Therefore, it is important that you know how much money you will actually need to start and to run your business until you reach your break-even point—the point when your sales revenue equals your total expenses.

Ask yourself:

  • How much money is required to start this business ?
  • How much of your own money do you have for this business?
  • Do you already own any of the assets needed to start this business?
  • Do you have family, friends, acquaintances, or others who are willing and able to invest in this business?
  • Do you have a strong personal credit rating or lines of credit available?

Equity Investment

Equity means ownership. With equity investment, an investor makes money available for use in exchange for an ownership share in the business. If you use equity investment, be sure to consider how much ownership you’re willing to give up, and at what price. Once you sell 51 percent of your shares, you lose control of your company.

Equity investment includes any money from individuals, including yourself, or other companies in your business. This money may be from personal savings, inheritance, personal loans, friends or relatives, business partners, or stockholders. These funds are not secured on any of your business assets.

But, before going down this road, it is important to know the BC laws that apply to any company or other entity that raises money from investors. To find our more read our article: Seeking Equity Investment? Know the Rules

Personal Savings: The Most Common Form of Equity Investment

You’ll likely get most of your start-up funding from your personal savings, inheritances, friends, or family. In fact, according to Statistics Canada’s Survey of Financing of Small and Medium Enterprises 2007, 76% of small businesses in British Columbia financed their business with personal savings.

Aim to fund 25% to 50% of your business from your own pocket. This shows prospective lenders and investors that you are personally assuming some risk, and are committed to your business success. It’s also a requirement for many small business loans, which are usually secured (i.e. backed by assets).

Throughout the course of your business, try to keep a personal investment of at least 25% in your business to increase your equity position and leverage. The more equity your business has, the more attractive it makes you to banks that can loan you up to three times your equity.

Debt Financing

1. Government Funding

Typically, the most sought-after type of financing is government grants because it’s free money that you don t have to pay back. Unfortunately, a grant might not be an option for your business because not only are there very few grants available, most are geared towards specific industries or groups of people such as youth, women, or aboriginal owners.

The majority of government funding programs are typically loans, for which you ll be required to repay the principal amount plus interest.

In 2007, only 2% of businesses obtained some sort of government funding or assistance. You can find information about government funding programs for free:

  • Search the Canada Business Grants and Finances section. which lists available government programs across Canada.
  • Contact your industry association to find out if they know of any grants you might be eligible to receive.

Since the application process varies from program to program, you should contact the coordinator of the program that you’re interested in to find out what the specific application requirements and process are.

2. Commercial Loans

Commercial or personal loans from financial institutions account for the second most common form of financing at 44%.

  • Long-term loans. Use long-term loans for larger expenses or for fixed assets that you expect to use for more than one year, such as property, buildings, vehicles, machinery, and equipment. These loans are generally secured by new assets, other unencumbered physical business assets, and/or additional stakeholder funds or personal guarantees.
  • Short-term loans. Short-term loans are usually for a one-year term or less, and can include revolving lines of credit or credit cards. These are generally used to finance day-to-day expenses such as inventory, payroll, and unexpected or emergency items, and can be subject to a higher base interest rate.

Getting Your Loan Approved: What do Potential Lenders Look For?

Many lenders will look for the four “C’s of Lending” when evaluating a loan application:

  1. Cash flow. Your ability to repay the cash you are borrowing. This is measured using the cash flow forecast that you created for your business plan.
  2. Collateral. The value of assets that you are willing to pledge for assurance that you will repay your loan. A dollar amount will be placed on these assets and that will be compared to the amount of the loan you requested.
  3. Commitment. The amount of money that you re committing to your business. You can’t expect to obtain a loan without contributing a fair share yourself.
  4. Character. Your personal credit score and history with the financial institution. Your credit rating or score is calculated from your history of borrowing and repaying bank loans, credit cards, and personal lines of credit. Without a good credit rating, your loan prospects decrease significantly.

A lender might determine how much to lend you by evaluating your cash flow, collateral, and commitment. They will then subtract your existing debt to arrive at a final amount. Note that lenders look at the limit on your credit cards, not the amount you re currently using.

Typically, start-ups are not rich in assets so you may be required to secure your business loans with personal collateral such as your house or vehicle(s).

The difference between a private lender and a government program is the relative importance of these four C’s. A bank might place more importance on “collateral” and “commitment”, whereas a government program can often decrease the need for these by providing a government guarantee to the lender.

Make a Good Impression With Your Lenders

You can increase your chances of securing a loan by:

  • Having strong management and staff
  • Showing steady business growth potential
  • Showing reliable projected cash flow
  • Offering collateral
  • Having a strong personal credit rating
  • Always making your loan and interest payments on time, and never missing a payment

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