Tag: Small

Small Business Loans for Veterans #business #bankruptcy


#veteran business loans

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Small Business Loans for Veterans

Business Loans for Military Veterans and their Spouses

Many Armed Forces veterans choose to become entrepreneurs after exiting the military. 10 percent of small business owners in the United States are veterans of the Armed Forces, employing more than 115 million people, according to the 2010 census. However, like most of their civilian counterparts, many veterans are unable to get the proper financing their businesses need from traditional lenders, like banks, credit unions, or even the government. Having dutifully served our country, it’s time you get the service you and your business deserve.

Whether you’re a military veteran or the spouse of one, you have come to the right place if you are looking for small business loans for veterans. Partnering with National Funding delivers access to affordable and convenient working capital that can be used for a variety of business-related purposes. Whether you own a retail storefront, service business, e-commerce site, or virtually any type of business, we can help you to achieve both your short and long-term financial goals through our assortment of loans, equipment leasing programs. merchant advance options, and credit card processing services .

Get Started Today

Why Consider National Funding for Veteran Business Loans?

Here are a few of the key benefits to partnering with us to finance your veteran-owned business:

  • Reliability and reputation – We have served the small business community for over 15 years, and currently hold an A rating with the Better Business Bureau. We are proud of our 95% customer satisfaction rating, and our featured appearances in respected publications such as Forbes magazine. Over the years we have funded more than $1 billion in small business loans to companies in thousands of different industries across all 50 states.
  • High approval rates – We tend to say “yes” more often than not. Instead of putting yourself through the frustrating process of applying for a loan with a bank or credit union, partner with us and see how our customized alternative business financing solutions have helped tens of thousands of businesses since 1999. Since we underwrite our own loans, we are able to personalize each financing solution for the prospective business. This results in high approval rates – even for high-risk industries.
  • Quick and Easy Process – From start to finish, obtaining the small business capital you need takes only a matter of days. Unlike the drawn out process of qualifying for a business loan through a traditional lender, you’ll be able to apply online or over the phone with us in a matter of minutes. A rapid decision-making process and funding in as few as 24 hours will help you to start using your working capital almost immediately. We will match you with an account manager who has specific knowledge about your industry and will be able to thoroughly uncover your critical business needs.
  • Flexible terms – Unlike one-size-fits-all bank loans, we will custom tailor each financing solution to the business. From determining loan or lease sizes to crafting repayment terms that easily fit within your specific budget, you’ll feel comfortable with your small business loan for veterans. Whether you are looking for an equipment lease, merchant cash advance. or simply a loan to provide needed working capital, you’ll find exactly what you’re looking for – at the terms you need with National Funding.

Small business loans for veterans don’t have to be difficult to obtain. In fact, applying today with National Funding takes only minutes. To begin, simply complete the quick and easy online form. You’ll often receive a lending decision the same day you apply, which means you can begin immediately planning how you’ll use your chosen financial tool to grow your business. Upon receiving all of the required information, we can fund your veteran business loan in as little as 24 hours.

As a business owner, and a veteran, you know how challenging it can be to run your own business – especially if you have an immediate need for business financing. Contact the experts today at National Funding and see just how easy it is to acquire complete small business solutions with affordable and flexible terms.

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Quote

Instantly calculate your personal quote for a working capital loan.

What Our Clients Are Saying

I want you to know, there were several companies I looked at, spoke with, and ultimately 2 that I applied with. I chose National Funding for only one reason You were more concerned with what was right for my business, and much less concerned with landing my account. At Ace Hardware, customer service is our number one asset. We strive every day to exceed our customer s expectations. When I receive that same level as a customer, it is greatly appreciated, so thank you.

I chose National Funding for only one reason You were more concerned with what was right for my business, and much less concerned with landing my account.

WE’RE IN A LEAGUE OF OUR OWN


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Small Business Advisor #business #development #plan


#business advisor

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Small Business Advisor

Expert Advice

At Scotiabank, your Small Business Advisor can help you by:

  • Taking the time to get to know you, and determining your business challenges and goals
  • Delivering relevant advice, with simple, straightforward solutions and strategies
  • Providing tools and resources to help support decision making

Find Advisor

Become Financially Better Off

Scotiabank understands that your business is your life. We can provide expert advice, information and services to help your business succeed.

Advice, Information & Services

Our unique business planning tools will help you analyze your cash flow, free up working capital, and improve your bottom line. Find relevant and straightforward advice and simple, convenient to apply solutions. And if you’re poised to transition, get detailed advice and information on business succession planning .

Need more information?

Talk to Us

Contact a Small Business advisor at your local branch regarding your business’ specific needs.


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Web Design – Small Business Websites #top #entrepreneurs


#small business websites

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Right Now

SEARCH INSIGHTS:
How customers search for small businesses online

Local searches are more than two-times as likely
to lead to a purchase.

Optimizing your Website and Web directory listings for your business’s physical location gives you a fantastic opportunity to gain new customers and increase sales. However.

WEB DESIGN INSIGHTS:
How customers choose small businesses online

You have 5 seconds to capture a potential customer’s interest online.
Customers no longer read, they scan. Important keywords customers are scanning for should be front and center. Do you have the right information in the right place?

Industry examples of our work:

Our packages help businesses

  • Get found online with an optimized website
  • Use email marketing to connect with customers
  • Use social media to build relationships
  • Increase sales with search engine optimization

I would recomend Deluxe to anyone, because we had an awesome experience. They made it super easy.”

Samples of our recent work

BK Event Design

Owner Brittany Maestas wanted her full-service wedding and event planning company to appeal to newly engaged couples in the Denver area.

We focused on:

  • A professional, highly visual website
  • Designing an elegant logo

Breeze Heating and Cooling

Competition is heavy when it comes to people looking for HVAC contractors. Owner Rory Zokan needed stronger online visibility to better attract potential customers in the Columbia, SC area.

We focused on:

  • A mobile-friendly website to boost phone calls
  • Designing a professional logo

OK Corral Stables

Owners Ron and Jayne Feldman needed to be more visible to tourists looking on their smartphones for things to do in the Phoenix area.

We focused on:

  • A mobile-friendly website to drive reservations
  • An optimized Google Maps listing

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Small Business Law: Free Legal Information #business #jobs


#business lawyers

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Business Law

FreeAdvice contains a wealth of free, reliable business law advice. Here, you’ll find information about starting a corporation, partnership, or sole proprietorship, as well as information about franchises, general business law and taxation. For more on business law, see the links on this page.

The many different types of businesses in the United States are governed by a series of laws to ensure that national, state and local economies run smoothly. Business law governs everything from how a business can be organized and how a business can be taxed, to what a business can do regarding advertising and pricing. The broad field of business law also helps to provide options for business owners who wish to protect themselves from liability and protections for consumers from monopolies, price fixing and other unfair business practices.

Starting a business can be a complex process; a business owner must decide what form of business will best suit the needs of the company, he or she must choose a business name and keep trademark laws in mind when doing so. Further down the line, businesses may hire employees, merge with other companies, or make their business a publicly-traded entity, among many other measures. It is important for business owners to understand the laws and regulations surrounding their business type, whether it be a corporation, franchise, small business, or partnership, there are often a great number of legal matters to consider.

To learn more about the legal issues surrounding businesses in the United States and to find answers to all of your business law questions, refer to the articles, answers and other resources using the links on this page.

PERSONAL INJURY Family of Deceased Bicyclist Sues Tour Bus Company

LAWYER MARKETING How Technology is Changing the Legal Profession

LITIGATION Arbitration and Sexual Harassment: What are Your Rights?

Not what you need? find your legal advice

FreeAdvice.com

Company

Law Advice

FreeAdvice® has been providing millions of consumers with outstanding advice, free, since 1995. While not a substitute for personal advice from a licensed professional, it is available AS IS, subject to our Disclaimer and Terms Conditions Of Use. Privacy Policy

Use for marketing or solicitation is prohibited. AttorneyPages ®, ExpertPages ® and FreeAdvice ® are trademarks and units of Advice Company or its affiliate AdviceCo Ventures Company.


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Contact Small Business UK – Small Business #business #letterhead


#small business advice

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Contact us

SmallBusiness.co.uk is published by Vitesse Media Plc.

Vitesse Media Plc was started as a small business in 1997, and proceeded to float on AIM in October 2001.

Our websites, newsletters, App, and events all focus on the SME arena – for business leaders and their investors.

SmallBusiness.co.uk is researched, written and compiled by the team at Vitesse Media and provides a wealth of educational advice and support for owner managers and key business decision makers in companies with up to 50 employees.

The site attracts over 2 million small business owners and has a community of over 50,000 businesses. Sponsorship and advertising packages have been designed specifically to help our partners acquire customers.

For more information, statistics, user profile and advertising opportunities, please contact us on the numbers below.

Advertising and sponsorship

Editorial

Ben Lobel, 020 72507024

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Keep Informed by email

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Products

How small and medium businesses can take on flexible working

Some 57 per cent of employees say the availability of flexible working in their workplace is important to them, according to Sage data. This guide to Sage 200 Online shows why more and more businesses are turning to the cloud.

Controlling Cash Flow – Learn to master your money

Find out how five small businesses met the challenges of raising finance, from drawing up a business plan to securing investment. Complete with expert guides and tips to help you through the process.

The Vitesse Network

Further Information


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Government grants for small businesses #ideas #for #a #business


#government grants for small businesses

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Mr Mark Brennan commenced in his role as the Australian Small Business Commissioner on 2 January 2013.

Dr Craig Latham commenced in his role as Deputy Small Business Commissioner on 21 May 2013.

The role of the Australian Small Business Commissioner is to represent small business interests and concerns to the Australian Government.

There are Small Business Commissioners in Victoria, New South Wales, Western Australia and South Australia.

If you are in a business dispute, Dispute Support can assist you to find the right dispute resolution service

A good understanding of your dispute will help you to make informed decisions about the best way to try to resolve the dispute.

Tips from the Australian Small Business Commissioner to help you build strong business relationships and avoid disputes

Find out about dispute resolution services available in your state or territory.

There are publications available to assist you to understand, manage and prevent disputes.

It is difficult to know where to begin when starting your own business. It’s important to consider whether you really understand what’s involved and that you are aware of your tax and legal obligations.

Are you are thinking about expanding your business? Here are some suggestions that could help you grow your business.

Once you decide to sell or pass on your business, you need to consider how much your business is worth, the best time to sell and whether you should make use of a broker or other professionals to maximise selling opportunities.

There are resources available to assist you with starting and growing your business.

The family business sector accounts for 70% of all businesses in Australia.

Family Business Australia’s top ten tips for surviving a family business.

Family Business Australia’s best practice principles for family business.

Read case studies from family businesses.

Find out about upcoming events and training tailored for family businesses

Find answers to the most frequently asked questions about starting, growing and exiting a business.

Planning should always be the first step in developing a business.

Checklists that contain a series of questions to guide you through the various stages of setting up your business including before you start, when you start, when you buy and when you run your business.

Links to help guide your business.

View news articles from the Australian Small Business Commissioner.

Find out about upcoming small business events that Commissioner and his Office are involved in.

Keep up to date with the Commissioner’s newsletter.

View submissions and reports by the Office of the Australian Small Business Commissioner

The latest small business news from across the Australian Government, including ACCC, ASIC, ATO and business.gov.au

View blog posts from the Australian Small Business Commissioner.

View series of related blog posts.

Top 5 FAQs

Easy way to stay up to date

Support


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10 Most Profitable Small Businesses To Start in 2015 – Insider Monkey #business #icons


#most successful small businesses

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Dear Valued Visitor,

We have noticed that you are using an ad blocker software.

Although advertisements on the web pages may degrade your experience, our business certainly depends on them and we can only keep providing you high-quality research based articles as long as we can display ads on our pages.

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Published on August 20, 2015 at 11:09 am by Atif Munawar in Lists

If you are a fresh business entrepreneur, here is a compilation of 10 most profitable small businesses to start in 2015. Not only will it give you a chance to establish yourself in the market but it will also help you make handsome money this year. These ideas for small business are not just money-making but also captivating at the same time. Through this article business amateurs will relish their work while enjoying their targeted economic benefits. Entrepreneurs must realize that even the most profitable business require dedication and hard work.

It is important for a businessman to realize that a successful business is the one that answers to most people s demands. It is instrumental to comprehend that not every business idea has to be complex. Sometimes it is the simplest concepts that intrigue a common man. This article will also help you mark the most common public requirements which can help you mold your business accordingly so that you can extract the most out of your small business setup.

Some of these ideas may be more profitable while others may give you a stable earning. There are business ideas that are potentially much more profitable than they seem to be. The following list of small business ideas will definitely help you to start a business that suits your style and earns you well.


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Small Business Payroll Processing Solutions #business #degrees


#small business payroll

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Paying your employees doesn’t have to be complicated

Ceridian’s Payroll solution:

  • Enables compliance with ever-changing legislation, protecting your business from costly fines
  • Delivers industry-leading support from APA-certified professionals when you need it
  • Gives you time back to do the things you want to do to grow your business

Payroll has never been easier

Simply tell us who to pay, and how much, and we’ll take care of everything else – including tedious tax filing.

Get the unlimited service and support you need and reduce payroll administration time by up to 40%, when Ceridian processes your payroll in a few simple steps:

  1. Sign in
  2. Input Payroll Data
  3. Preview Payroll
  4. Submit

Click “Submit” with confidence that your payroll will be accurate. Review your reports online and payroll processing is off your to-do list!

Ceridian also offers advanced HR/Payroll functionality which will scale as your business grows. View our comparison chart .

Ceridian Solution for Payroll & HR

Choose a partner who will help you keep up with HR, payroll, benefits rules and eliminate costly penalties for non-compliance.

When you need HR and payroll for your business, you want more than complicated payroll calculators, outdated HR systems, and disorganized benefits administration.

Ceridian’s HR/Payroll solution is a comprehensive offering, providing:

  • Compliance with complex, constantly changing federal, state and local laws, including tax filing requirements
  • Access to current, accurate HR data to manage compensation, benefits, job history, and more
  • Self-service to enable employees to maintain and update their HR data subject to your approval processes
  • Robust reporting to easily access and review HR, payroll, and benefits data as well as to ensure Affordable Care Act compliance
  • Mobile app frees payroll processing from the office and delivers flexible access from mobile devices
    • Ceridian also offers a robust payroll-only solution. View our comparison chart .

Increase your time and cost savings by adding robust Time Attendance functionality (powered by Dayforce Workforce Management) to your HR/Payroll solution. This transformative technology provides time and attendance, weekly planning and scheduling, as well as time off from work requests.


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How to Find the Right SBA Loan for Your Small Business #easy #business #ideas


#small business administration loans

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How to Find the Right SBA Loan for Your Small Business

Small businesses are the backbone of the U.S. economy: According to data from the 2010 U.S. Census, there are 27.9 million small businesses registered in the United States, employing 120 million people almost half of the nation s workforce.

Part of what the Small Business Administration (SBA) does is help America s small businesses secure the funding they need to operate and grow. As a federal government agency, the SBA does not lend small businesses money directly. Instead, it sets guidelines for loans that are made by its partners, which include banks, credit unions, community development organizations and microlending institutions. The SBA guarantees a portion of these loans granted by these institutions will be repaid, eliminating some of the risk for lenders.

Kale Gaston, head of the SBA Lending Group for TD Bank in Greenville, S.C. said SBA loans do a great job of helping lenders say yes to borrowers. He also noted that SBA programs provide better access to capital and credit enhancement for small business owners. For example, since the SBA guaranty lowers the risk in case of a loan default, lenders are able to provide funding when the down payment available is too low or the business s cash flow is not high enough for traditional options.

SBA lenders can provide longer terms as well. Instead of five or 10 years for a real estate purchase with a balloon payment at the end, the lender can give terms for 25 years, eliminating the balloon (i.e. final payment) or need to refinance every few years, Gaston said. For shorter-term assets, like equipment, terms could go to 10 years instead of the usual three to five years.

SBA loan programs

The SBA s loan programs are designed specifically for small business owners who don t have access to other reasonably termed financing. There are four main types of loan programs:

7(a) loan program: This is the SBA s primary program to help startups and existing small businesses obtain financing. 7(a) loans are the most basic and most commonly used type of loan, as well as the most flexible. The money can be used for a variety of general business purposes, including working capital, machinery and equipment, furniture and fixtures, purchasing or renovating land and buildings, leasehold improvements and debt refinancing. Loan maturity is up to 10 years for working capital and generally up to 25 years for fixed assets. Borrowers can apply through a participating lender institution.

CDC/504 loan program: This program provides businesses with long-term, fixed-rate financing for major assets, such as land and buildings. The loans are typically structured with the SBA providing 40 percent of the total project costs, a participating lender covering up to 50 percent and the borrower putting up the remaining 10 percent. Funds from a 504 loan can be used to purchase existing buildings, land or machinery, and to construct or renovate facilities. These loans cannot be used for working capital or inventory. Under the 504 program, a business qualifies if it has a tangible net worth of less than $15 million and an average net income of $5 million or less after federal income taxes for the two years before application. The maximum amount of a 504 loan is $5 million.

Microloan program: This program offers very small loans to startups, or newly established or growing small businesses. The loans can be used for working capital or the purchase of inventory, supplies, furniture, fixtures, machinery or equipment. The SBA makes funds available to specially designated intermediary lenders, which are nonprofit organizations with experience in lending and technical assistance. Those intermediaries then make loans of up to $50,000, with the average loan being about $13,000. The loan cannot be used to pay existing debts or to purchase real estate.

Disaster loans: The SBA offers this option to businesses that have been affected by a declared disaster. These low-interest loans can be used to repair or replace damaged real estate, personal property, machinery, equipment, inventory and business assets.

Further details on each type of loan program can be found on the SBA s website .

What you ll need to apply

When applying for an SBA loan, you ll need to fill out forms and documents for the specific loan you re trying to get. The SBA also encourages borrowers to gather some basic information that all lenders will ask for, regardless of the loan type. The following items are usually required:

  • Personal background and financial statements
  • Business financial statements
  • Profit-and-loss statement (three years)
  • Current within the last six months
  • List of debts
  • Projected financial statements
  • Business certificate/license
  • Income tax returns
  • R sum s for key team members
  • Business overview and history
  • Business lease

The SBA also advises small businesses applying for a loan to be prepared to answer several questions:

  • Why are you applying for this loan?
  • How will the loan proceeds be used?
  • What assets need to be purchased, and who are your suppliers?
  • What other business debt do you have, and who are your creditors?
  • Who are the members of your management team?

Why your business plan matters

Whether you re a new startup or an established company, the key to a successful application is a well-written business plan .

The business plan not only is the road map that will guide the business from planning to startup to (hopefully) success, but also will show any potential lender that the potential business owner does have a clear view and understanding of the business, how to run it and, most importantly, how the loan will be repaid, David Hall, a public affairs specialist with the SBA in Washington, D.C. said in an email interview with Business News Daily.

Gaston agreed, noting that lenders want to know how knowledgeable you are about your business and the competitive market.

The concept may be great, but what the lender is looking for is that the individual is driven, capable and determined, Gaston said. You really need to understand what you are doing every step of the way and be able to convey that to the lender during the application process.

Hall also recommended that business owners take full advantage of the business planning resources offered by the SBA and its partners, such as SCORE. SBDCs (Small Business Development Centers) and WBCs (Women Business Centers).

Finding a lender

While Gaston acknowledged that applying for an SBA loan is a process, she said working with a lender that has experience can make that process a lot easier. To find experienced SBA lenders in your area, he suggested talking to folks locally in the market and looking for a lender that is part of the SBA s Preferred Lender program. This program gives thousands of lenders per year delegated authority to approve loans based on certain criteria, shortening the time period between application and approval.

You can find SBA lenders by going online at sba.gov. contacting local accountants and attorneys, and looking for lenders with a large local presence. SBDCs also provide document support and lender referrals.

The SBA program drives a tremendous amount of value in the economy, lending approximately $30 billion to small businesses annually, Gaston said. It takes businesses to the next level, is appropriately structured and enables them to be successful.

Additional reporting by Business News Daily contributor Elizabeth Palermo.

With an Associate s Degree in Business Management and nearly twenty years in senior management positions, Marci brings a real life perspective to her articles about business and leadership. She began freelancing in 2012 and became a contributing writer for Business News Daily in 2015.

You May Also like

What is the SBA Microloan Program?

  • Writing a Business Plan: Tips from the SBA


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  • Small Business Resources – Greater Flagstaff Chamber of Commerce #business #cards #printing


    #small business resources

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    Small Business Resources

    The Greater Flagstaff Chamber of Commerce provides numerous business support services and acts as a conduit for business and business service providers. See below for information regarding our business partners and the local, state and national based small business support organizations.

    Visit our other economic development, divisions and initiatives for more information about how the Chamber can help you.

    Below is a list of helpful links for small businesses to use as a resource.

    flagstaffprospector.com: Provides demographic information on the City of Flagstaff and Coconino County. Includes information on consumer expenditures, types of existing businesses, and workforce information. Search engine for commercial property for lease or sale by size and type.

    AZ Department of Commerce

    azcommerce.com/programs-and-services/small-business-services/: Provides small business services including online resource guides and checklist, information on business licensing, statewide resources, certification programs, commerce incentive programs and education programs.

    AZ Department of Revenue

    aztaxes.gov. Arizona business license links, business tax description codes, and Arizona Department of Revenue links.

    Arizona Small Business Association

    asba.com. Offers workshops and seminars for every stage of business growth, from infancy to second-stage and beyond. For a fee membership, business owners and entrepreneurs get to access education, technology and B2B marketing opportunities and free, applications that are not available to non-members.

    Arizona Small Business Development Center Network

    azsbdc.net. AZSBDC is an innovative partnership between the state’s ten community college districts and the U.S. Small Business Administration. The network is the largest and most accessible source of assistance to Arizona businesses with fewer than 200 employees. Helps businesses address challenges to help them reach their full potential. 13 centers throughout the state.

    Coconino Small Business Development Center

    coconinosbdc.com. Has assisted more than 100,000 small businesses in the last 15 years. Offers confidential business counseling, training seminars and customized training.


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