Tag: Financing

Best Small Business Loans: Small Business Funding – BFS Capital, small business financing.#Small #business

Small Business Loans for Big Business Goals

Small business loans are on the rise, with the U.S. Small Business Administration reporting that approximately $11 billion was approved across small business loan programs for the entire year of 2012. And yet, that amount had already almost doubled—hitting $18.9 billion—by mid-2017.

This is partially because more and more entrepreneurs are deciding to start their own small businesses annually, averaging around 675,000 new businesses in 2015, according to the Bureau of Labor Statistics . Additionally, those already in business are borrowing at higher rates to either sustain or grow their companies, making them stronger in the long run.

Even though these particular loans are being taken out at amazing rates, a lot of small business owners still have a number of questions when it comes to borrowing money to cover their small business needs.

For instance, what exactly is a small business loan? When should you get one? What benefits do small business loans offer? How do you apply? The list goes on and on.

If this is where you’re currently at, let’s dig a little deeper into all of these questions (and a few more) to get you the answers that you want and need—right now.

What is a Small Business Loan?

A small business loan is money borrowed to start, grow, or keep a small business afloat. Additionally, there are a few different small business loan types. Some of them are secured, meaning that you used some type of asset as collateral against the loan; and others are unsecured, meaning they’re not attached to an asset but are granted based on your credit.

Among the small business loans available, a few of the most common include:

  • Startup loans
  • Construction loans
  • Franchise-based loans
  • Merger and acquisition loans
  • Business lines of credit
  • Working capital loans
  • Equipment financing and refinancing loans
  • Merchant cash advance loans
  • Accounts receivable loans

What Can I Use a Small Business Loan For?

A small business loan obtained by a startup is often used to buy any necessary property, buildings, equipment, or inventory to put the business owner’s dream into action. It can also be used to give you a little working capital as you strive to get your business up on its feet and running.

If your goal is to expand, small business loan funding enables you to purchase additional inventory, buy or build a larger store or factory, or buy more equipment to better suit your increased needs.

And if you have periods where you’re struggling, a small business loan can help you cover your operational expenses until things pick up and you can stand on your own again. This includes funding payroll, buying supplies, and paying vendors, just to name a few.

How Do I Benefit from a Small Business Loan?

Obtaining a small business loan essentially enables you to effectively run all aspects of your business, minimizing any disruption during slow periods and giving you cash flow options if you’re ready to take your company to the next level.

For instance, Melissa Kobus, founder of Gloss Salon Day Spa, told us that she found that starting a profitable small business takes money—money that banks aren’t always willing to lend a new company.

That’s why Melissa came to BFS initially, to get the capital she needed to open her salon’s doors. It’s also what has kept her coming back every time she’s ready to grow, adding more space to better serve her growing clientele.

Where Can I Obtain a Small Business Loan?

Small businesses located in bigger cities—such as New York, Los Angeles, Miami, and Boston—tend to have an easier time securing a small business loan because there are more local options.

However, you can also obtain a small business loan online no matter where your small business is located, such as when you’re applying for a small business loan through BFS Capital.

How Do I Apply for a Small Business Loan?

If you’re wondering how to apply for a small business loan, the first step is to make sure you qualify for the specific business loan you want.

Business loan eligibility can depend on a number of factors, such as:

  • How long you’ve been in business
  • The assets and liabilities you have
  • What your revenue or expected revenue is
  • The industry you’re in
  • Your credit score
  • What you plan to use the loan for

Depending on which lender you choose, your may have to visit your local bank, credit union, or financing company to complete the paperwork.

Alternatively, you can also apply for your small business loans online when using lenders like BFS. This can make obtaining the capital you need even more convenient, no matter when you have time in your day or week to apply.

What Are the Costs Associated with a Small Business Loan?

Small business loan rates and costs can vary, making it extremely important to secure yours from a lender who understands your revenue and working capital needs.

Is a Small Business Loan the Right Option for Me?

If you’re still unsure whether a small business loan is the right option for you, here are some questions you’ll want to ask yourself:

  • Do I have enough capital to start my small business without putting my family’s welfare at risk?
  • Am I entering a slow season where I typically have difficulty paying my bills, making a small business loan preferable because it would take some of the stress away?
  • Am I ready to grow my business, but just need some working capital to make it happen until I can increase my revenues from the extra sales?
BFS Capital Small Business Loans
Get the small business funding you need to make your good company great.

  • Small business financing

We review your recent business account statements.

  • Small business financing

    We base our approvals on average monthly gross business volume.

  • Small business financing

    We take automated, fixed payments from your business account until paid in full.

    Why Choose BFS Capital?

    Whether you’re envisioning that new piece of equipment on the floor of your factory or workshop, you want your warehouse shelves fully stocked with some much-needed inventory, or you’re faced with an acquisition opportunity that you don’t want to pass up, BFS Capital can help you obtain the funding you need to make it happen.

    Our loans for small businesses are designed to help you start your business, tackle the inevitable growth challenges you face while building your business, or simply help you get through the slow times, like when your industry has a natural lull.

    At BFS Capital, we provide better funding options for a variety of small businesses. Plus, we’re there for you when you need to make fast investments, striking while amazing business opportunities are still available. That’s because a number of our small business loan options can be secured within a couple of days versus the traditional weeks or months.

    Unlike other small business lenders, we’ve had years of experience working with thousands of customers. Because we have a deep understanding of small business needs , we also offer some of the best small business loans and funding solutions available, with benefits you won’t find anywhere else.


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  • SBA Financing, Access National Bank, sba financing.#Sba #financing


    SBA Financing

    We value entrepreneurship because we too were founded by a group of entrepreneurs. That’s why we’re passionate about helping start and grow small businesses in our local community. As a preferred Small Business Administration (SBA) lender, our bankers understand your unique needs and are committed to tailoring loan terms to meet your business goals, no matter how ambitious they are.

    Our SBA loans include:

    • SBA 7(a) Term Loans
    • 504 Term Loans
    • Express Lines of Credit
    • SBA Veterans Advantage Loans
    • CAPLines
    • International Trade
    • Export Working Capital Loans

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    All Securities and Investment Advisory Services offered through Investment Professionals, Inc. (IPI), a Broker/Dealer, member FINRA/SIPC a Registered Investment Advisor. The investment services offered by IPI under the name Access Investment Services are not offered by Access National Bank nor is Access National Bank a registered broker/dealer. Access National Bank is not affiliated with IPI.

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    Government Small Business Loans, sba financing.#Sba #financing


    Government Small Business Loans

    Government small business loans help put your own business within reach. First there’s the quest for a decent location, then comes building a customer base, followed by all the initial hiccups of generating a cash flow before your business grows roots and gains momentum. The beginning of a business is crucial because it’s when you gain or lose market credibility. If you disappoint your customers, they may not give you a second chance. If your business gets off to a rocky start (most do), and you believe you can recover but need further financing to make this happen, you can apply for government small business loans.

    For-profit lenders are reluctant to issue loans to anyone who does not have a strong credit report and financial history. That is not the case with government small business loans. Obviously, a decent credit report is important, and you will have to follow the guidelines regarding the repayment period and the interest rate set by the government, but usually the interest rates charged by government loans are lower than those you could expect in the private sector.

    More about Government Small Business Loans

    Government loans are typically offered through banks and credit unions that partner with the Small Business Administration (SBA). The SBA is a U.S. government body, with the motive of providing support for small businesses and entrepreneurs. For each loan authorized, a government-backed guarantee offers serious credibility, since the lender knows that even if you default, the government will pay off the balance. These loans can be applied to a number of uses, such as:

    • Purchase of new equipment, machinery, parts, supplies, etc.
    • Financing leasehold improvements
    • Commercial mortgage on buildings
    • Refinance existing debt
    • Establishing a line of credit

    Government small business loans benefit both small businesses and the lending agency. For small businesses, it is beneficial because this is money capital they may not have access too. For banks, the loan’s risk is decreased due to the loan being backed by the SBA.

    Different SBA Government Loans

    The SBA extends financial help through various lending programs it has to offer. Some of the more popular loans are:

    • 7(a) Loan Guarantee Program: aimed primarily in helping a small business start or expand its services. The maximum size of such a loan is $5 million.
    • MicroLoan Program: mostly used for short-term purposes, such as purchase of goods, office furniture, transportation, computers, etc. The maximum amount is fixed at $50,000.
    • 504 Fixed Asset Program: featuring fixed-rate and long-term financing, these loans are aimed at applicants whose business model will benefit their community directly, either by providing jobs or bringing needed services to an underserved area. Again, the maximum amount is $5 million.
    • Disaster Assistance: under this program, loans are sanctioned to renters or homeowners with a low-interest, long-term plan for the restoration of property to its pre-disaster condition.

    In most cases, maintaining a good business credit report is enough to qualify. In addition, it instills confidence not only in the lender, but also in you. There is at least one SBA office in every state in America. If you contact them regarding the startup status of your business model and plan, you can get started on a government small business loan that will give you the financing to make your dreams a reality.


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    Small Business: Financing, financing a business.#Financing #a #business


    Small Business Financing

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    Startup Financing – Small Business Funding, financing a business.#Financing #a #business


    Startup Business Financing

    Financing a business

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    Wouldn t you love to have a few million dollars to start your business? Me too! With a great idea and a great business plan, you probably feel almost entitled to get the funding you re seeking.

    The reality, though, is that for most entrepreneurs, you must prove your concept first before anyone will put up that kind of money. But most businesses require some sort of initial capital for things like inventory, marketing, physical facilities, incorporation expenses, etc.

    According to the U.S. Small Business Administration (SBA), While poor management is cited most frequently as the reason businesses fail, inadequate or ill-timed financing is a close second. Sometimes it comes down to simple cash flow–many companies have closed their doors because they just couldn t make it another few months until the money came in.

    When exploring your funding options, there are several factors to consider:

    • Are your needs short-term or long-term? How quickly will you be able to pay back the loan or provide a return on their investment?
    • Is the money for operating expenses or for capital expenditures that will become assets, such as equipment or real estate?
    • Do you need all the money now or in smaller pieces over several months?
    • Are you willing to assume all the risk if your company doesn t succeed, or do you want someone to share the risk?

    The answers to these questions will help you prioritize the many funding options available.

    • Debt financing – You borrow the money and agree to pay it back in a particular time frame at a set interest rate. You owe the money whether your venture succeeds or not. Bank loans are what most people typically think of as debt financing, but we will explore many other options below.

    • Equity financing – You sell partial ownership of your company in exchange for cash. The investors assume all (or most) of the risk–if the company fails, they lose their money. But if it succeeds, they typically make a much greater return on their investment than interest rates. In other words, equity financing is far more expensive if your company is successful, but far less expensive if it isn t.

    Because investors take on a much higher risk than lenders, they are typically far more involved in your company. This can be a mixed blessing. They will likely offer advice and connections to help grow your business. But if their plan is to exit your company in 2-3 years with a substantial return on their investment, and your motivation is the long-term sustainable growth of the company, you may find yourself at odds with them as the company grows. Be careful not to give up too much control of your company.

    Let s take a closer look at the many options available for startups.

    Friends and family are still your best source for both loans and equity deals. They are typically less stringent regarding your credit and their expected return on investment. One caveat: structure the deal with the same legal rigor you would with anyone else or it may create problems down the road when you look for additional financing.

    Prepare a business plan and formal documents–you ll both feel better, and it s good practice for later.

    Credit cards are a great tool for cash flow management, assuming you use them just for that and not for long-term financing. Keep one or two cards with no balance on it and pay it off every month to give yourself a 30 to 60-day float with no interest. And the low introductory rates on some cards make them some of the cheapest money around. Managed well, they re extremely effective; managed poorly, they re extremely expensive.

    Bank loans come in all shapes and sizes, from microloans of a few hundred dollars, typically offered by local community banks, to six-figure loans by major national banks. These are much easier to obtain when backed by assets (home equity or an IRA) or third-party guarantors (e.g., government-sponsored SBA loans or a cosigner).

    If you obtain a line of credit rather than a fixed-amount loan, you don t start paying interest until you actually spend the money.

    Leasing is the way to go if you need big-ticket items such as equipment, vehicles, or even computers. Your supplier will help you explore this.

    Angel investors fill the gap between friends and family and venture capitalists, who now rarely even look at investments below $1 million. Enlist a savvy financial adviser to structure the deal.

    Private lending represents a viable alternative when the bank says no . Private lenders are looking for the same information and will conduct similar due diligence as the banks, but they typically specialize in an industry and are more willing to take on higher-risk loans if they see the potential.

    There are many channels available to you to raise capital. All of the above approaches have numerous variations. Put together a solid business plan, talk to a financial adviser, and just start asking. Someone will eventually say Yes .


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    Financing a business#Financing #a #business


    Financing a Business

    There are various forms of funding for you to consider when starting or growing a business. From outside investment to using your own funds, this section outlines some of the benefits and pitfalls of each option, and walks you through the steps to get funded.

    Financing a business

    How much do you need to sell to cover your costs and start making money? Find out with this popular financial tool.

    Financing a business

    Learn how to deliver a winning business plan pitch to help you secure funding for your idea!

    Financing a business

    Learn what numbers you need to know and investors want to see when presenting your business plan.

    Financing a business

    Review the pros and cons of venture capital, angel investors, commercial loans, and other financing options.

    Financing your Start up Business

    Decisions regarding how you finance your business should be taken very seriously as it is one of the most critical decisions you will make at the start-up phase and forms a key part of any business plan. When considering the different financing options, you need to spend some time learning about the conditions that come [. ]

    Elevator Pitch Part 1: Personalize

    (Reposted with permission from Planning Startups Stories) If you can t say it in 60 seconds, you have a problem. Your strategy isn t clear enough. Nowadays we call it the elevator pitch, meaning a quick description of the business that you could do in the time you share with a stranger in an elevator. It s becoming [. ]

    Sales Forecasting

    The Sales Forecast Sales forecasting is an integral part of business planning. I have written on the subject of sales forecasting a number of times in the past. However, for many of us, we are now dealing with a level of uncertainty we have not encountered previously in our lifetimes. As a result, some managers [. ]

    The Business Pitch

    The pitch The use of phrases such as ‘business pitch’, ‘elevator pitch’ and ‘video pitch’ have grown in popularity in recent months. But what are these terms and what do they mean for entrepreneurs? This short article describes the concept of pitching in detail, as well as recommending some tips for those needing to pitch [. ]

    An Inconvenient Truth – Lessons for Entrepreneurs

    I recently watched Al Gore’s documentary, An Inconvenient Truth, and found it compelling viewing. It is an excellent production and helped shine a powerful spotlight on climate change, the challenges we face and some steps we can take to reduce the effects we are causing[1]. It painted a very bleak picture for the future of [. ]

    Top 10 Business Plan Mistakes to Avoid

    Business Plan Mistakes The importance of business planning is widely documented; however, guidance as to what constitutes good business planning is less clearly defined. This article aims to redress that imbalance by describing 10 of the most common mistakes that occur in business plans. While the business-planning process is in itself a very worthwhile pursuit, [. ]

    Delivering a winning business plan pitch

    After a business plan has been written, the next stage often involves pitching the plan to prospective investors. This very fact means that the plan authors and management team should be one and the same and that ‘outsourcing’ the business plan writing process should not be considered. It is not just the content of the [. ]

    Dragons Master Class the numbers you need to know!

    Those familiar with the BBC2 show Dragons’ Den will be all too aware of the following scene. The entrepreneur is tasked with presenting his business plan to a panel of investors (i.e., the Dragons). The business plan pitch is going well, and then one of the dragons asks the simplest of questions, ”What was your [. ]

    Do You Need Funding

    Most businesses need financing. Cash flow is different than profits, so profits don’t guarantee money in the bank. There’s financing needed to manage starting costs, stock waiting to get paid, and other factors. Much of that is what we lump together as “working capital.” Most people think of financing as debt, borrowed money. In this [. ]

    Securing Venture Capital Funding for Your Business

    We do have some tips and suggestions. You probably know all of this already, but here are some refresher tips: Polish your business plan. Reread the executive summary, management team, competitive edge, and financials. If you re operating in Internet space, in the present market, make sure you are generating traffic and focusing on the ability [. ]


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    New Business Leasing, New Business Financing, Start Up, Allstate Capital, new business financing.#New #business

    New Business Leasing, New Business Financing, Start Up Leasing.

    We offer several start up new business leasing, and start up new business financing, programs that are available to customers with excellent personal credit to difficult credit profiles in most industries. For our premium new business leasing programs, new business financing programs. All owners listed should have excellent credit, as listed on our credit page, and must sign personal guarantees. The equipment type and industry cannot be on the prohibited list and will usually need to meet the following criteria as well:

    1. Start Up New Business may be home based for small orders
    2. Site Inspections will be required
    3. Start Up New Business must be properly formed with the Secretary of State
    4. Start Up New Business must have a bank account that is under the business name and meets the minimum bankingrequirements. Other bankingrequirements may apply.
    5. New Business plan with resumes and sources and uses of funds may be required.
    6. Equipment must be relevant to the type of business applying for the lease
    7. Financial package may be required
    8. Other information may be required
    9. Cross-collateralized programs are available

    Apply Now! Our national account and franchisor / franchisee start up new business leasing programs can exceed $150,000! We can go higher with excellent financial information that supports the dollar amount of the transaction requested. All of the above criteria is subject to equipment, credit, and industry review on a case-by-case basis.


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    Beyond the Bank Loan: 6 Alternative Financing Methods for Startups, financing a small business.#Financing

    Beyond the Bank Loan: 6 Alternative Financing Methods for Startups

    Many aspiring entrepreneurs have an idea for their business but lack the capital to actually start it. Brand-new businesses are often turned down for bank loans, and even if your business is established, funds can still be tough to secure. Loans funded by the Small Business Administration are usually more accessible, but they are becoming increasingly competitive.

    So what options are left for someone aspiring to be a small business owner? Here are six options beyond bank loans for financing your startup.

    Online lending

    Online lenders have become a popular alternative to traditional business loans. These platforms have the advantage of speed, as an application takes only about an hour to complete, and the decision and accompanying funds can be issued within days. Because of the ease and quickness of online lending, economist and former U.S. Treasury Secretary Larry Summers said at the 2015 Lend It conference that he expects online lenders to eventually reach more than 70 percent of small businesses.

    Editor s note: Are you considering a small business loan for your business? If you re looking for information to help you choose the one that s right for you, use the questionnaire below to have our sister site BuyerZone provide you with information from a variety of vendors for free:

    Angel investors

    Angel investors invest in early-stage or startup companies in exchange for a 20 to 25 percent return on their investment. They have helped to start up many prominent companies, including Google and Costco. Mark DiSalvo, CEO of private equity fund provider Semaphore said, You are likely to get an investor who has strategic experience, so they can provide tactical benefit to the company they are investing in.

    Find out what makes angel investors fund a business here.

    Venture capitalists

    Venture capital is money that is given to help build new startups that are considered to have both high-growth and high-risk potential. Fast-growth companies with an exit strategy already in place can gain up to tens of millions of dollars that can be used to invest, network and grow their company frequently.

    Brian Haughey, assistant professor of finance and director of the investment center at Marist College, said that because venture capitalists focus on specific industries, they can generally offer advice to entrepreneurs on whether the product will be successful or what they need to do to bring it to market. However, venture capitalists have a short leash when it comes to company loyalty and often look to recover their investment within a three- to five-year time window, he said.

    Learn more about venture capital here.

    Factoring/invoice advances

    Through this process, a service provider will front you the money on invoices that have been billed out, which you then pay back once the customer has settled the bill. This way, the business can grow by providing the funds necessary to keep it going while waiting for customers to pay for outstanding invoices.

    Eyal Shinar, CEO of small business cash flow management company Fundbox, says these advances allow companies to close the pay gap between billed work and payments to suppliers and contractors.

    By closing the pay gap, companies can accept new projects more quickly, Shinar told Business News Daily. Our goal is to help business owners grow their businesses and hire new workers by ensuring steady cash flow.

    Visit BND s guide to choosing a factoring service here.

    Crowdfunding

    Crowdfunding on sites such as Kickstarter and Indiegogo can give a boost to financing a small business. These sites allow businesses to pool small investments from a number of investors instead of having to look for a single investment.

    Make sure to read the fine print of different crowdfunding sites before making your choice, as some sites have payment-processing fees, or require businesses to raise their full stated goal in order to keep any of the money raised.

    Check out some emerging trends in crowdfunding here.

    Grants

    Businesses focused on science or research may be able to get grants from the government. The SBA offers grants through the Small Business Innovation Research (SBIR) and Small Business Technology Transfer (STTR) programs. Recipients of these grants are required to meet federal research-and-development goals, and have a high potential for commercialization.

    Learn more about applying for a small business grant here.

    Additional reporting by Katherine Arline and Nicole Taylor. Some source interviews were conducted for a previous version of this article.

    Jennifer Post graduated from Rowan University in 2012 with a Bachelor s Degree in Journalism. Having worked in the food industry, print and online journalism, and marketing, she is now a freelance contributor for Business News Daily. When she s not working, you will find her exploring her current town of Cape May, NJ or binge watching Pretty Little Liars for the 700th time.


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    Business Financing With Bad Credit – Payday Loans Online, business financing.#Business #financing


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    Tags : ,

    Beyond the Bank Loan: 6 Alternative Financing Methods for Startups, business financing.#Business #financing


    Beyond the Bank Loan: 6 Alternative Financing Methods for Startups

    Many aspiring entrepreneurs have an idea for their business but lack the capital to actually start it. Brand-new businesses are often turned down for bank loans, and even if your business is established, funds can still be tough to secure. Loans funded by the Small Business Administration are usually more accessible, but they are becoming increasingly competitive.

    So what options are left for someone aspiring to be a small business owner? Here are six options beyond bank loans for financing your startup.

    Online lending

    Online lenders have become a popular alternative to traditional business loans. These platforms have the advantage of speed, as an application takes only about an hour to complete, and the decision and accompanying funds can be issued within days. Because of the ease and quickness of online lending, economist and former U.S. Treasury Secretary Larry Summers said at the 2015 Lend It conference that he expects online lenders to eventually reach more than 70 percent of small businesses.

    Editor s note: Are you considering a small business loan for your business? If you re looking for information to help you choose the one that s right for you, use the questionnaire below to have our sister site BuyerZone provide you with information from a variety of vendors for free:

    Angel investors

    Angel investors invest in early-stage or startup companies in exchange for a 20 to 25 percent return on their investment. They have helped to start up many prominent companies, including Google and Costco. Mark DiSalvo, CEO of private equity fund provider Semaphore said, You are likely to get an investor who has strategic experience, so they can provide tactical benefit to the company they are investing in.

    Find out what makes angel investors fund a business here.

    Venture capitalists

    Venture capital is money that is given to help build new startups that are considered to have both high-growth and high-risk potential. Fast-growth companies with an exit strategy already in place can gain up to tens of millions of dollars that can be used to invest, network and grow their company frequently.

    Brian Haughey, assistant professor of finance and director of the investment center at Marist College, said that because venture capitalists focus on specific industries, they can generally offer advice to entrepreneurs on whether the product will be successful or what they need to do to bring it to market. However, venture capitalists have a short leash when it comes to company loyalty and often look to recover their investment within a three- to five-year time window, he said.

    Learn more about venture capital here.

    Factoring/invoice advances

    Through this process, a service provider will front you the money on invoices that have been billed out, which you then pay back once the customer has settled the bill. This way, the business can grow by providing the funds necessary to keep it going while waiting for customers to pay for outstanding invoices.

    Eyal Shinar, CEO of small business cash flow management company Fundbox, says these advances allow companies to close the pay gap between billed work and payments to suppliers and contractors.

    By closing the pay gap, companies can accept new projects more quickly, Shinar told Business News Daily. Our goal is to help business owners grow their businesses and hire new workers by ensuring steady cash flow.

    Visit BND s guide to choosing a factoring service here.

    Crowdfunding

    Crowdfunding on sites such as Kickstarter and Indiegogo can give a boost to financing a small business. These sites allow businesses to pool small investments from a number of investors instead of having to look for a single investment.

    Make sure to read the fine print of different crowdfunding sites before making your choice, as some sites have payment-processing fees, or require businesses to raise their full stated goal in order to keep any of the money raised.

    Check out some emerging trends in crowdfunding here.

    Grants

    Businesses focused on science or research may be able to get grants from the government. The SBA offers grants through the Small Business Innovation Research (SBIR) and Small Business Technology Transfer (STTR) programs. Recipients of these grants are required to meet federal research-and-development goals, and have a high potential for commercialization.

    Learn more about applying for a small business grant here.

    Additional reporting by Katherine Arline and Nicole Taylor. Some source interviews were conducted for a previous version of this article.

    Jennifer Post graduated from Rowan University in 2012 with a Bachelor s Degree in Journalism. Having worked in the food industry, print and online journalism, and marketing, she is now a freelance contributor for Business News Daily. When she s not working, you will find her exploring her current town of Cape May, NJ or binge watching Pretty Little Liars for the 700th time.


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