Tag: Loans

Small Business Loans Made Simple, Lendio, loans for starting a business.#Loans #for #starting #a

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Business Startup Costs to Start up Including Fixed and Variable Costs, startup business loans.#Startup

Startup Costs

Before you start your business there are many costs you need to be aware of and account for in your business plan to make sure you don’t get any nasty surprises later on whether you are starting a home based internet business or a bricks and mortar retail outlet.

Of course you can consult an accountant, but you may not need to. Have a look through this article and write down the cost of everything you think you’ll going to incur into a spreadsheet before you start up your business.

Types of Startup Costs

Different types of businesses will have different costs when they are starting up. We have therefore attempted to think of all the different types of start up expenses you may encounter whether they be running costs of the operation or once off capital costs for purchasing assets.

When preparing your first business plan you’ll probably have to estimate most costs, which is fine, so long as you are estimating based on facts and not on what you believe they should be. As your business grows, you’ll hopefully be able to make cost savings as you can build in economies of scale into your operations.

There are two basic types of cost you’ll incur – fixed costs and variable costs and these are used to estimate and plan your break-even point analysis.

Types of Fixed Costs

Fixed costs are those costs you incur which do not increase (or decrease) from you selling one more unit of your product or service. (The costs directly associated with you doing this are called marginal or variable costs).

We have split the fixed cost of your business startup into the main categories.

  • Professional fees – These may include the cost of hiring an accountant, solicitor, lawyer, or other expert professional to deal with the legal aspects of starting a business such as company formation, copyright protection, drafting partnership agreements or other fees you may need to pay to the government for certificates and inspections for health and safety or food hygiene.
  • Insurance – this can include public liability insurance, car insurance, van insurance, contents and building insurance.
  • Premises costs – included refit of a shop, building and construction cost of premises, rent, rates and connection of utilities including electricity, telephone, gas and water rates.
  • Staffing and employment – Any advertising and recruitment fees for new staff, including training and training courses.
  • Stock – purchase and storage of initial stock and warehousing costs.
  • Sales and marketing – initial launch and promotion of your products and services including e-commerce and website development.
  • Finance – any forms of loans or finance, including interest payments and arrangement fees

Variable Costs

Variable costs or direct costs are those that increase if you sell one more unit of your product or service. Some of the above costs under fixed costs may actually be variable, but more often than not, your variable costs will fall under direct product costs such as:

  • The actual cost of product – this may be added to your stock, but when expensed it’s a variable cost.
  • Shipping of product – the cost of shipping, postage and any shipping insurance.
  • Packaging – the packaging of shipping the product.
  • Remuneration and commissions paid to your sales force.
  • Direct wages paid to workers who get paid by the item produced.

Project Management of your new Start up Business

Startup business loansThink about the time it’s going to take you to develop your ideas into the first day you startup your business.

Whatever you need to undertake will take much longer that you imagine.

For example, if you need premises the time taken to have solicitors to go through the lease agreement to you getting the keys and then having to have the shop re-fitted can take months.

If you have to recruit new staff you don’t want to have them employed by you and not doing anything whilst you are paying the salaries.

So it’s a wise move to produce a project plan of all the items you need to get ready and plot them against a timeline, the cost of each activity and the person responsible for that activity on the overall project. You can then monitor progress against the actual events as you progress.

Perhaps also think about what skills and professional you may need to hire to help you with your small business because you alone will not be able to do everything.

Cost Management

Like most people, you’ll be keen to get your business off to a great start as soon as possible and may tend to rush things to get towards your goals without keeping an eye on the best deals or to ensure that working capital and cash flow are healthy. Here are some tips to keep the cash flowing in the early days:

  • Lease or rent rather than buy – this keeps the initial payments low and like vehicles you can give them back at the end of the lease and not have to worry about depreciation and sometimes maintenance during the contract.
  • Use contract workers – so you don’t need to worry about tax, NI and pensions.
  • Use price comparison websites to check out the best deal for utilities – there are business price comparison sites these days also.
  • Use pay as you go rather than contracts so you’re not tied into a long period you can’t get out of.

Start up Help

Getting start up help is easy as there are so many free resources around. If you are the UK then your first port of call might be your local BusinessLink who may assign you an advisor. These are generally people who have run businesses before, but check out their credentials as many are not. Even if you don’t get an advisor they may have brochures and guides that can help you.

Whatever business you are thinking of starting, the industry will generally have a professional body managing the interests of their members offering help and advice to you. Additionally, read the rest of this website to help with your business start up costs!


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Accion, Small Business Loans, start up business loans.#Start #up #business #loans


Launching Dreams, Empowering Entrepreneurs

Accion believes entrepreneurs create vibrant communities. We deliver a level of personalized service you won’t find at any other lender. Capital is just one tool you need to reach your goals, and we partner with you every step of the way.

Delivered to small business owners

Years of lending experience in the U.S.

500,000+

Entrepreneurs across the country served

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What Makes Us Different

Loans designed to help you succeed, with terms specific to your needs and goals.

Champion for Small Business

We are leaders in the responsible lending movement and dedicated to advancing local and national initiatives that support and empower entrepreneurs.

Access to business experts, special events, networking, and opportunities from our partners, as well as exclusive online resources help you take your business to the next level.

Every community has a unique business climate. Our on-the-ground expertise keeps you ahead of the curve no matter where you operate.

We match every borrower with a knowledgeable loan expert who provides personalized guidance through the loan process and beyond.

Simple Online Application

In less than 15 minutes, you could be on your way to getting the capital you need to run the business you love.

Hear What Business Owners Are Saying

A loan is an opportunity for a better future. Meet some of the entrepreneurs who have used Accion loans and support to grow their business.

Maria Harrison
Tea Gallerie

“We were so happy that someone believed in us. Accion is a financial partner and a supportive community partner.”

Odilon Celestin
C M Sweet Bakery

“Accion doesn’t just give you money they help you survive. My dream came true because I didn’t give up.”

Scott Carpenter
Underground Fitness

“I hit a lot of dead ends. Then I found Accion.”

Pamela A. Jones
Charboy’s

“At Accion, the loan process was straightforward. Now I have a whole line of sauces in 200 stores.”

What to Expect

A fast and simple online application experience paired with unmatched personalized service for every applicant.

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Apply online, in person or call us

Get started by telling us about your business and financing needs. We welcome the chance to get to know you and your business. Questions? We are here to help.

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Get a solution that fits your needs

Our loan experts work one-on-one with you to tailor solutions to you, your business and your goals.

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Get the support you want

We want to be your most trusted resource. We’ll work with you every step of the way to put your loan to work and get your business on the right track.

Because we believe you deserve an efficient and transparent borrowing experience, we are a signatory of the Small Business Borrowers Bill of Rights.

Business Resources

Getting the capital your business needs is just one piece of the puzzle. Explore our library of tips, articles and videos to help your business grow.

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article

10 Essential Tips for Growing Your Business

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program

Brewing the American Dream

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video

3 Vital Components to Your Business Plan

Free Small Business Owner’s Toolkit

Running a business is hard work, but we re here to help. Get tips on everything from setting up your business to creating a website to paying taxes, based on Accion s experience helping entrepreneurs in every industry across the U.S.

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2017Accion is a 501(c)(3) nonprofit organization. All rights reserved.

Start up business loans

“At Accion, the loan process was straightforward. Now I have a whole line of sauces in 200 stores.”


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Business Support in the East Midlands with NBV, start up business loans.#Start #up #business

Business Support When You Need It

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Start Up Support

Got a great business idea? NBV are here to help! Access FREE workshops to get you up and running through the Starting In Business Programme.

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NBV Property

NBV can provide you with serviced office space, virtual office tenancy, meeting space, media studio and more! Take a closer look at how NBV can help your new or growing business.

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Business Funding

In the past three years, NBV have directly supported clients to access more than £2m in grant funding and around £500,000 in loans. Find out how NBV can help your business access the finance it needs.

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Training Events

Professional Training Courses, Events, and Opportunities

Here you will find all the NBV and partner Training Courses events and opportunities across the East Midlands. If you are holding an event you think we should know about, please get in touch via our contact page.

Download Your Guide to NBV’s Business Services

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We ve helped an average of 7 businesses to start up each week for the last 3 years!

More than this, we ve been helping small businesses with support and funding in the East Midlands since 1982

Grants Awarded

£2,330,435

Loans Awarded

£695,366

Businesses Started

What Our Customers Are Saying

Don t just take it from us, let our customers do the talking!

The NBV Start Grow scheme has highlighted a major financial flaw in my business and I’m relieved this was noticed at the beginning of my business journey

Vegan Gluten Free Desserts

I found my NBV adviser’s knowledge and support to be priceless and would recommend the Start and Grow programme to anyone looking to start up their own business

Taylor Made Plumbing

NBV gave me honest impartial guidance to enable me to attain and continue to achieve a successful business, you cannot put a value on that.

Edward and Vintage

NBV News and Articles

Keep up to date with business news, articles and professional tips via our news blog. See more here

NBV Client Aimee Johnstone nominated for Sole Trader of the Year Award

NBV are delighted to congratulate client Aimee Johnstone who has been shortlisted for “Sole Trader of the Year” at Nottingham Post’s Women in Business Awards 2017. Aimee was thrilled when she found out, telling us “The chance to be a finalist in the Nottingham Post.

Derby’s Market Hall announced as the new venue for Small Business Saturday UK

Derby’s historic Market Hall, in conjunction with Derby City Council and Essential Print Services, will be hosting ‘Derby’s Festival of Small Businesses’ to celebrate the fifth year of Small Business Saturday UK. The Market Hall event will offer two free business.


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Business Loans With Poor Credit – Payday Loans Online, business loans with bad credit.#Business

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Small Business Loans, Shield Funding, business loans with bad credit.#Business #loans #with #bad #credit


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Small Business Loans

Shield Funding offers a variety of Business Loans for small business owners. Our business funding programs feature competitive rates and flexible terms. Get your business loan today! Call for a free quote (888) 882-6117 or Apply Online

Shield Funding Business Loans

Our company is one of the largest and well respected sources of capital in the country. We have assisted thousands of small business owners in their pursuit of financing and because of our experience and resources we get business owners the capital they need when most lenders cannot. Traditional financing programs and many private lenders have a very long and difficult approval process that far too often ends in a denial. Our business loan application process is fast and easy and we have very high approval rates.

The reason our loan programs are so successful is because we do not require great credit or collateral, impressive tax returns, lofty profit and loss statements, and we do not have unattainable debt-to-income requirements. We help businesses get approved for small business loans based on a company’s financial strength and potential. What this means is that if you have an existing business that generates monthly gross revenues you are likely eligible.

At Shield Funding we make applying for, and receiving a small business loan relatively simple. We have an easy to complete online application to begin the process or if you prefer we can take your application over the phone. The typical approval process is about 24 hours and funding can occur within the same week that you apply. Get the working capital you need to grow your business with a company you know you can trust.

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Small Business Loans

Shield Funding offers small business owners a fast and easy way to obtain small business loans. All of our loans are unsecured so there is no need for collateral, and we offer very competitive rates and terms for borrowers at all credit levels. Our business loans are a great alternative for small business owners that do not meet traditional financing requirements or for business owners that want to avoid the long and drawn out process involved with obtaining a loan from a bank.

Bad Credit Business Loans

Our bad credit business loans are a great opportunity for small business owners that need business funding to meet short term financial obligations but have a very poor credit profile. Our main requirement is that you have an existing small business that has generated monthly revenues for at least two months. These business loans for bad credit are unsecured, there are very few documents needed for an approval, and business funding can occur in a matter of days. Learn more about bad credit business loans.

Merchant Cash Advance

A merchant cash advance with Shield Funding is an excellent way for merchants to get immediate funding for their business. We offer competitive rates for both good and bad credit borrowers, payment terms are flexible, and the approval process is extremely fast. This is a very low document business loan alternative that only requires a small business borrower to accept credit cards from their customers for a period of at least two months.

Business Loans for Women

At Shield Funding we are a leading resource for small business loans for women. This program was established to support female entrepreneurs that want to improve or expand their company. The application process involves a small amount of paperwork, both good and bad credit applicants are eligible, and the only major requirement is that the small business has a female owner or partner and the company is currently generating revenue for two months.

Easy application process

Bad credit options

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All business types approved

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financing up to 1 million

Funding in 2 to 3 days

No collateral required

Friendly sales team

A trusted financial resource since 2008

Match any competitor offer

24 month programs

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Bad credit no problem The loans are unsecured

Get approved within 24 hours

Can pay off existing loans

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30 days open approval

Business loans with bad credit

Shield Funding offers a variety of Business Loans for small business owners. Our business funding programs feature competitive rates and flexible terms. Get your business loan today! Call for a free quote (888) 882-6117 or apply online.


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Franchise Loan – Debt Consolidation Low Interest, franchise loans.#Franchise #loans


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Need Financing to Buy or Grow a Franchise? New Franchise Industry Programs Can Help,

Need Financing to Buy or Grow a Franchise? New Franchise Industry Programs Can Help

The franchise industry, like all businesses, was not immune to the economic crisis of 2008 and the ensuing credit crunch. But the vital signs of a recovery are there. According to the International Franchise Association (IFA), many of the country’s business sectors currently starting to show growth mirror those sectors expected to be the leading drivers of employment in franchising this year. These include food service, health care, hospitality and construction—all sectors with a high concentration of franchise businesses.

“For those Americans dealing with long-term unemployment or a lack of growth opportunities in their current jobs, franchise ownership offers a viable way to be in business for yourself, but not by yourself,” said IFA President CEO Steve Caldeira.

The Franchise Industry Tackles the Credit Crunch Head-on

Despite these indicators, financing remains a problem for potential franchise owners. According to Entrepreneur magazine (January 2013), there’s still an 18 percent lending shortfall in the franchising industry. In a bid to boost franchise ownership, many franchisors are taking matters into their own hands and offering financing programs of their own. Meineke, The UPS Store, Gold’s Gym, Masasge Envy and Instant Imprints are just a few examples of franchisors now offering financing to qualifying first-time and multi-store franchise owners.

Want to know more? IFA President and CEO, Steve Caldeira offers the following tips (courtesy of Entrepreneur magazine) to would-be or existing franchise owners looking for an alternative to traditional financing options.

Which Franchisors Are Offering Financing Programs?

Approximately 75 to 100 franchisors are offering or working on offering creative financing programs for start-up franchise owners or those looking to expand. Programs range from zero-percent financing for a limited-term, lower license fees, reduced royalties and minority stake ownership by franchisors in multi-unit outlets. Each brand has its own offering, so down payments and collateral requirements will vary.

In addition, the franchise industry is also experiencing a growth in companies dedicated to helping franchise owners secure financing. Two such firms are BoeFly (which matches borrowers to lenders online) and Franchise America Finance (who provides custom lending solutions for franchisees and works with franchisors such as The UPS Store, Popeyes, and Jersey Mike’s).

Always Do Your Franchise and Financing Due Diligence

If you are new to franchise ownership, be sure to do your research and due diligence about the franchise system you’re interested in. Study the Franchise Disclosure Document (required by law) and speak to other franchisees about the brand and the financing program on offer. Next, try to understand what your financial responsibilities as a franchise owner will be. This blog offers some pointers on this: Buying a Franchise – How to Determine What it’s Going to Cost You.

Other Franchise Financing Options

Many banks and credit unions offer financing for franchise purchases, so be sure to compare any franchisor lending rates and terms with these. When you approach a bank, be prepared to disclose all your financial information. While your credit rating is important, you’ll also need to provide a personal financial statement, copies of tax returns and information about the source of your down payment funds.

You should also be aware that your choice of franchise will influence a bank’s decision to fund you. Franchises with strong brand names, a track record of consistent profits and cash flow—plus an ability to perform well across a variety of diverse locations—are going to stand you in good stead when you meet with your bank manager.

If your bank is hesitant about a particular franchise system’s performance, or your finances aren’t as strong as they could be, you might want to consider an SBA loan. SBA doesn’t lend to business owners directly; it provides a repayment guarantee to banks and lenders for money they lend to small businesses, making it less risky for the banks. Use this search tool to find the right SBA loan for you.

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Franchise loans


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Business Loans & Cash Advance, Miami Biz Loans, biz loans.#Biz #loans


Small Business Loans

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How to get a Business Loan

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Our small business loans provide your business with the working capital it needs. It can be a cash advance or a 5-year term loan we work for you to get you funded quickly.

Our business loans offer unsecured business loans from $10,000 to $2M. We can approve you within 24 hours and fund you in as little as a day or two.

Whether it’s a start up business loan, business loans for women or business loans for bad credit, we can work with you to get you funded

Why Small Business Loans?

Biz loansMiami Biz Loans provides fast and flexible small business loans and financing to business owners in need of capital.

We look at the health of your business and not just your credit score to provide you with personalized borrowing options to help each individual business owner succeed.

We created a simple way to get a small business loan and to finance your business.

4 STEPS TO FUND

Get going by clicking APPLY NOW or call 305-901-4787 to speak with one of our representatives and tell us how much working capital you would like for your business.

Give us some basic info. A one-page app, 3 months of bank statements and the 1st page of your last business tax return. Let us create a small business loan package that is the right funding solution for you.

Receive your offer in writing. We will give you several loan options. We guide. You decide.

The money is ACH d into your business bank account just 24 to 48 hours after your approval.

Get a Small Business Loan today from Miami Biz Loans.

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Women – s Business Loans, Women – s Venture Fund, women business loans.#Women #business

Women s Business Loans

A recent Forbes article, The Confidence Gap and Women Entrepreneurs, restated what is widely known in the industry: Women have less access to money for business than their male counterparts.

This means that fewer women are approved to borrow money from traditional lenders and that most women owned businesses are undercapitalized. WVF’s goal is to address this confidence and skills gap so women understand what it takes to successfully access credit.

Women s Venture Fund offers a more flexible approach to assessing your credit needs. Since many of our clients are first time entrepreneurs,

we help you calculate your loan needs through our consultation process. This approach helps the entrepreneur understand how much financing is needed and what additional steps are needed to achieve true profitability.

WVF funds women owned businesses based on sales, number of clients, contracts and the availability of other accessible resources to support the amount requested. The process starts with your written plan that shows how you secure clients and based on your track record, what you project as future sales. Tell us how you will build on your current success and we will help you assess how much you need to achieve your vision for growth. Show us your determination and your plans to grow and we will help you chart the best path to get there.

Often times it s not just a loan that is required to grow. We can help you develop the best comprehensive roadmap for organizational growth via our advisory program.

Currently, WVF is working with clients in the New York City metropolitan area. If you currently own a business in this region, we can get the process started. Simply send us your record of success to date along with the application below. We can schedule a call to discuss what’s feasible after that.

Not sure how to develop a growth action plan? See our schedule of workshops focused on helping clients seeking assistance in generating their plans and revenue projections.


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