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Where to Find Smart Short-Term Business Loans #business #yellow #pages


#short term business loans

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Where to Find Smart Short-Term Business Loans

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Short-term business loans can get you the funds you need to overcome cash flow gaps, handle emergencies and unexpected expenses or finance a small expansion.

These loans and lines of credit typically come in amounts from $5,000 to $250,000, carry short repayment terms of a few months to several years, have looser qualifications than long-term loans and provide cash quickly.

Because short-term business loans generally have high borrowing costs, the smartest approach is to choose financing with the lowest annual percentage rate you can qualify for. Lines of credit are more flexible and generally have shorter repayment periods, while loans tend to offer a longer term.

Repaying a short-term business loan on time can help you qualify for a long-term business loan in the future. Long-term loans typically come in amounts from $250,000 to $1 million or more, are less expensive and have a repayment period of five to 15 years or longer, making them better suited to a real estate purchase, business acquisition or debt refinancing.

Short-term lines of credit: Kabbage and Dealstruck

With Kabbage’s line of credit, you borrow only the money you need and pay fees just on the money you borrow. That flexibility makes it a better option for managing cash flow than for a larger expense such as an expansion. You repay each draw on the line of credit over six or 12 months.

It’s also fairly easy to qualify (take a look at minimum qualifications below) and a good option for borrowers with bad credit. Although Kabbage does check your credit scores, it doesn’t weigh them as heavily as other factors, such as your average monthly revenue.

The pitfalls of short-term business loans

Of course, there are a few disadvantages to short-term business loans that small-business owners should keep in mind:

Higher cost: They typically carry a higher APR — the total annual cost of borrowing, including all fees and interest — than long-term loans. That’s due to their shorter repayment period, faster funding, looser qualifications (lower credit score and revenue requirements) and the fact that many are unsecured business loans. which don’t require collateral.

More frequent repayments: Lenders may require you to make loan payments daily or weekly as opposed to monthly. Although these payments are smaller, they can be an issue for businesses that have uneven sales or those that don’t always hold much cash in a bank account. You’ll have to make sure you have enough money in your account to make the payments at all times, or you’ll risk incurring fees or defaulting on the loan.

Risk of debt trap: The speed and ease of short-term business loans can become addictive. Instead of repaying the debt in full, business owners may be enticed to refinance and roll over the debt into a new loan. But this can result in a debt trap: continual refinancing just to keep up with payments. This is a common issue with merchant cash advances. a costly form of short-term financing that can carry an APR over 300%. If you have several high-interest small-business loans, business debt consolidation may be the solution you need.

Find and compare the best small-business loans

NerdWallet has created a comparison tool of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

This article was updated June 21, 2016. It was originally published Jan. 12, 2016.

To get more information about funding options and compare them for your small business, visit NerdWallet’s small-business loans tool. For free, personalized answers to questions about financing your business, visit the Small Business section of NerdWallet’s Ask an Advisor page.

You may also like

Lender reviews

See how different lenders stack up in NerdWallet’s expert reviews

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

2016 NerdWallet, Inc. All Rights Reserved

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .


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Free Business Cards: Where To Get Them And The Fine Print! #business #research


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Free Business Cards: Where To Get Them And The Fine Print!

Yes. However, you can only get 10 business cards for completely free. The offers for 250 free business cards are very misleading. You will end up paying a minimum of $5.00 to $12.00 for “free business cards”.

Click Here to get our FREE Google advertising guide and discover the 6 steps you can use to show up #1 in Google search

The Truth About Free Business Cards

When companies like Vistaprint or 1-800-Postcards offer free business cards, they are really offering you free business card printing. However, there are 4 ways in which they seek to make money from you.

  1. They charge you for shipping. While the printing is free, you will need to pay a shipping fee to receive them. While I cannot say for 100% sure, I suspect that their total costs including shipping are less than the shipping fee.
  2. They charge you for speed. If you need the cards for a meeting, tradeshow or convention in a few days, you may have pay an additional fee for express printing and even more for shipping. You get business cards free only if you can wait a couple weeks to receive them.
  3. The business card printer gets free advertising. Typically on the back of the cards, there is a logo or text advertisement for the company that printed the business cards. If you want to remove the advertisement, then you will have to buy a premium business card.
  4. They will try to convince you to buy premium cards or add-on items. Some companies offer 40 free design templates for free business cards, but hundreds of business card design templates for premium buyers.

With free business cards, you may also not have the option of different finishes. After you finish designing your business card, companies will try to sell you business card holders, magnetic business cards and all other sorts of other promotional items. When you try to order free business cards, the printing company will make the process drawn-out to give them lots of opportunities to sell you a product which is not free.

I said there was one completely free offer. Yes, Moo does offer 10 free business cards with no printing fee and no shipping fee. There is a small Moo.com logo on the back and you will receive the cards via USPS in about 10 days.

How much do free business cards really cost when you include shipping?

Vistaprint Offer: 250 Cards For $6.93. (For NYC address) Two weeks for delivery and small text ads appears on the back.

In practice, the best deal is not business cards but buying 500 cards which will cost less than $20 with shipping .

Moo.com Offer: 50 Business Cards For $5.00. Includes option of using recycled material or gloss finish at no extra charge. Free full color images on back and front of card for no additional charge. 10 days for delivery and small Moo.com logo appears on the back.

1-800-Postcards Offer: 250 Business Cards For $12.00 Three weeks for delivery and small text ads appears on the back.

Want a real bargain? Try Fiverr

You re reading this article because you re frugal. One place where frugal entrepreneurs go to get business cards, flyers, and brochures designed and a host of other services is Fiverr. All services on Fiverr start at only $5!

Can you print your own business cards for free?

Yes, there are a number of programs that provide free online templates (word and PDF formats) for business cards. Assuming that you have the following tools, you may be able to print your own business cards for free:

  • High-Quality Inkjet or Laser Printer
  • Exacto Knife or Paper Cutter or If Your Have Great Hands, A Sharp Scissor
  • High Quality Paper (ie 100 lb cotton paper)
  • Free Business Card Printing Software: Easy To Use More Choice Templates

This option may not appeal to most business people because, a hand cut business card can look slightly off. If you want a professional looking card, you can buy heavy-stock pre-cut paper. Literally, you can pop-out a card with a perfect edge. Unfortunately, this paper doesn’t come cheap. You can buy business card paper to print 250 cards for $15 to $20. Avery provides free business card templates that work with its paper products.

Click Here to get our FREE Google advertising guide and discover the 6 steps you can use to show up #1 in Google search

Why get free business cards cards, when premium cards only cost $15 more?

When do you give out business cards? When you’re meeting someone for the first time and making a first impression. While your business associate may not remember a great looking business card, there is a chance that they will remember a “bad” business card or a business card that gives the impression that your company is struggling or cheap. A business card that has an advertisement for the printing company sends the message that you NEED to watch every buck.

To learn how to get professional looking business cards without advertising on any budget see our article 7 Steps to the Perfect Business Card .

About the Author

Marc Prosser has been involved in many businesses as an executive, advisor, and investor. Prior to starting his own company, Marc Prosser was the first employee and Chief Marketing Officer of FXCM. During his ten years at FXCM, the company grew from a small business to over 700 employees.

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Disclaimer: We spend hours researching and writing our articles and strive to provide accurate, up-to-date content. However, our research is meant to aid your own, and we are not acting as licensed professionals. We recommend that you consult with your own lawyer, accountant, or other licensed professional for relevant business decisions. Click here to see our full disclaimer .


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Where to Find Smart Short-Term Business Loans #the #small #business #administration


#short term business loans

#

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Where to Find Smart Short-Term Business Loans

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Short-term business loans can get you the funds you need to overcome cash flow gaps, handle emergencies and unexpected expenses or finance a small expansion.

These loans and lines of credit typically come in amounts from $5,000 to $250,000, carry short repayment terms of a few months to several years, have looser qualifications than long-term loans and provide cash quickly.

Because short-term business loans generally have high borrowing costs, the smartest approach is to choose financing with the lowest annual percentage rate you can qualify for. Lines of credit are more flexible and generally have shorter repayment periods, while loans tend to offer a longer term.

Repaying a short-term business loan on time can help you qualify for a long-term business loan in the future. Long-term loans typically come in amounts from $250,000 to $1 million or more, are less expensive and have a repayment period of five to 15 years or longer, making them better suited to a real estate purchase, business acquisition or debt refinancing.

Short-term lines of credit: Kabbage and Dealstruck

With Kabbage’s line of credit, you borrow only the money you need and pay fees just on the money you borrow. That flexibility makes it a better option for managing cash flow than for a larger expense such as an expansion. You repay each draw on the line of credit over six or 12 months.

It’s also fairly easy to qualify (take a look at minimum qualifications below) and a good option for borrowers with bad credit. Although Kabbage does check your credit scores, it doesn’t weigh them as heavily as other factors, such as your average monthly revenue.

The pitfalls of short-term business loans

Of course, there are a few disadvantages to short-term business loans that small-business owners should keep in mind:

Higher cost: They typically carry a higher APR — the total annual cost of borrowing, including all fees and interest — than long-term loans. That’s due to their shorter repayment period, faster funding, looser qualifications (lower credit score and revenue requirements) and the fact that many are unsecured business loans. which don’t require collateral.

More frequent repayments: Lenders may require you to make loan payments daily or weekly as opposed to monthly. Although these payments are smaller, they can be an issue for businesses that have uneven sales or those that don’t always hold much cash in a bank account. You’ll have to make sure you have enough money in your account to make the payments at all times, or you’ll risk incurring fees or defaulting on the loan.

Risk of debt trap: The speed and ease of short-term business loans can become addictive. Instead of repaying the debt in full, business owners may be enticed to refinance and roll over the debt into a new loan. But this can result in a debt trap: continual refinancing just to keep up with payments. This is a common issue with merchant cash advances. a costly form of short-term financing that can carry an APR over 300%. If you have several high-interest small-business loans, business debt consolidation may be the solution you need.

Find and compare the best small-business loans

NerdWallet has created a comparison tool of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

This article was updated June 21, 2016. It was originally published Jan. 12, 2016.

To get more information about funding options and compare them for your small business, visit NerdWallet’s small-business loans tool. For free, personalized answers to questions about financing your business, visit the Small Business section of NerdWallet’s Ask an Advisor page.

You may also like

Lender reviews

See how different lenders stack up in NerdWallet’s expert reviews

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

2016 NerdWallet, Inc. All Rights Reserved

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .


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Where can you go for the best business advice? #writing #business #plan


#small business advice

#

Where can you go for the best business advice?

Starting a business is an exhilarating experience but can also be quite treacherous, if you’re really sure where you’re going. Luckily there is a wealth of information out there to help you prepare. The only issue is, where to start?

Ever on the pilgrimage to make your business endeavors easier, we have collated a list of the best places to look for startup and small business advice. The best part is, most of them are completely free.

1. Startup advice

Gov.uk provides a range of business and financial support options, including advice on writing a business plan. help with finance and support, loans and Growth Voucher opportunities.

The government’s Growth Accelerator scheme is also well worth checking out. Eligible small businesses can access coaching and advice, as well as up to £2,000 of match funding per senior manager involved in the strategic direction of the business.

The government isn’t the only place you can find funding for your business more funding info here .

Startup Britain is characterised as a “national campaign by entrepreneurs for entrepreneurs” and provides free events and advice for budding businesses. They also work with the government in order to create better initiatives and funding options for startups, which aims to give small businesses the opportunity to have their say.

99u is online portfolio company, Behance’s effort to “make ideas happen”. The site offers a selection of articles, videos and advice on innovation and creative thinking. If you’re feeling a little depleted and you need some business motivation, 99u is a great place to start.

2. HR advice for small business

ACAS provides information, advice, training and other services for employers and employees relating to employment and HR issues. As well as advice and training, ACAS also offers online modules to help you achieve the ‘model workplace’ and get to grips with employment law.

Early conciliation is a particularly useful section of the ACAS site if you find yourself in a workplace dispute. The free service offers the opportunity to resolve issues without having to go to an employment tribunal.

HR Zone has a decent mix of informative blog posts, white papers and employment law features. They also have a library and online resource centre, which offers a 14 day free trial for all new members. It is free to join and you will be alerted of all up-and-coming events near your area.

Human Resource Solutions support small businesses who may not have the capital or need to hire HR professionals. The website offers professionally written free resources, as well as downloadable HR policies and procedures templates.

3. Accounting advice

J4b provides funding and grant information to startups and small businesses. The site also offers advice and guidance on relevant awards and tax relief and is easier to navigate than HMRC.

HMRC is the almighty ruler of all British tax issues and has all of the financial information required to set up your business and manage your finances. It is not the easiest website to navigate so here are some of the most useful areas for you:

  • Starting a business Help and support for new businesses, including what you need to register to get set up, limited company, VAT, PAYE for employers, record keeping ect.
  • Corporation tax Information on how to register, calculate and manage your corporation tax.
  • Import and export Tax laws on international trade, import control system and how to apply.

The new HMRC section on the gov.uk website is much more user friendly.

4. Business mentoring services

Horsesmouth describes itself as “the social network for informal mentoring” and offers the opportunity to sign up to have or be a mentor. They have a specific section on starting a business where you can search for mentors on a variety of subjects including, interviewing, managing people, business plan and investment.

Mentorsme is designed to help you find a business mentor as quickly and easily as possible. You can also find a range of useful resources on their website, including accounting a business advice, better financial control and how to complete a lending request.


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Where to Find Small-Business Funding #current #stock #market


#small business funding

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Credit Cards

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Where to Find Small-Business Funding

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

So you’ve had an entrepreneurial breakthrough. Your research shows your idea is sound, and you’ve detailed all its nuances in a comprehensive business plan. You know how to spread the word about your new venture and how you’ll plan for future growth.

Now, how are you going to fund it?

Traditional small-business funding took a hit during the financial crisis, with banks opting for bigger, more secure investments over small-business ventures. Data from the Federal Deposit Insurance Corp. show small-business lending hasn t returned to pre-recession levels; loans of $100,000 to $250,000 have fallen 22% since 2007.

But it s still possible to get the capital you need to launch, maintain or grow your business. And once you identify small-business funding that s right for you, there are steps you can take to increase your chances of getting a business loan .

5 ways to fund your small business

1. If you have an established business, collateral, strong credit and finances:

Banks. Traditional banks are still a great starting point and can help you figure out where you stand in terms of funding. Even if your business doesn t have a strong enough track record and enough assets as collateral to qualify for a loan, talking to someone at a traditional bank can help you figure out what documents you need and what your best options may be.

2. If your business falls just outside of a traditional bank’s strict lending criteria:

SBA. The U.S. Small Business Administration offers lenders, almost exclusively banks, a federal guarantee on your loan, making it less risky for them to lend you the funds you need to be successful. In doing so, the SBA also connects you with favorable rates offered by traditional lenders. And unlike most bank loans, you can use an SBA loan to start a business. However, the application process isn t easy, and you can find yourself trapped under a heap of documents while you work through the appropriate forms. Online lender SmartBiz provides a more streamlined application process, originating SBA loans faster than traditional banks.

3. If you have bad personal credit, need cash fast or don’t want to wait for a bank loan:

Online alternative lenders. With traditional banks limiting access to capital, alternative lenders have seen an increase in popularity. A report by Morgan Stanley predicts they’ll provide 16% of small-business loans by 2020. They are particularly useful for owners struggling with bad credit or those in need of fast cash. with several online lenders able to turn around funding within 24 hours. Peer-to-peer lenders are among the alternatives; these lenders cut out the traditional middleman — such as a bank — to connect borrowers with individual and institutional investors. The cost of borrowing, however, is much higher; some charge annual percentage rates over 100%. Still, alternative lenders are a good option when the bank says no.

4. If you think your product can capture the interest of the public:

Crowdfunding. Crowdfunding sites such as Kickstarter rely on investors to help get an idea or business off the ground, often rewarding them with perks or equity in exchange for cash. Although the popularity of these services has increased in recent years (the SBA even offers an online course in crowdfunding), there are caveats. For one, your product or company has to be intriguing enough catch the eye of multiple investors. With equity crowdfunding, there are strict securities laws and rules to follow for investors and entrepreneurs alike.

5. If you have an existing membership and like a personal touch:

Credit unions. Like banks, credit unions offer favorable rates and loans backed by the SBA. But unlike banks, credit unions have increased their small-business lending 60% since 2008, according to the National Association of Federal Credit Unions. Though you’ll likely have to be a member, the co-op nature of credit unions often ties them to the community, so you may also reap the benefits of more personal relationships and name recognition.

Find and compare small-business loans

NerdWallet has come up with a comparison tool for the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and filtered them by categories that include your revenue and how long you’ve been in business.

To get more information about funding options and compare them for your small business, visit NerdWallet ssmall-business loanspage. For free, personalized answers to questions about financing your business, visit theSmall Businesssection of NerdWallet’s Ask an Advisor page.

This post has been updated. It was originally published Oct. 29, 2014.

Image via iStock.

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OHosti – Best Free Unlimited Hosting cPanel – Powerful Unlimited Free Reseller Hosting WHM

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Marketing Your Small Business For Dummies Cheat Sheet #where #to #market #your #business


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Marketing Your Small Business For Dummies Cheat Sheet

Being smart with marketing ensures the success of your business by attracting more customers, and keeping them coming back. Small business is the backbone of Australian and New Zealand local economies and you know you need to look after your back! Whether you own a bakery or a finance business, you need no-nonsense marketing strategies to secure a greater share of the market. Empower yourself to apply clever marketing plans and ideas without breaking the bank, or your back.

Making Marketing Work in Your Small Business

You don t need to be a rocket scientist to be a good marketer. But neither is there a silver bullet or one-size-fits-all solution. Every small business is different the marketing plan and tactics for a mortgage broker are entirely different from those of a computer reseller. However, the process of building a plan, sticking to it and applying the time and resources it needs is the common secret to success in marketing.

Here are few tips to help you be brilliant at marketing:

Get the know-how. Knowing what not to do when it comes to marketing is as important as knowing what to do. Let s face it, the murky world of marketing can be tricky to navigate. So get the full know-how before you go jumping into building that flash website.

Put your customers first. Understanding who your customers are, what makes them tick and what they really want and value, and of course staying in touch with them long after the sale, puts you ahead of the competition.

Know your target market. Anyone who is breathing is not a target market! Targeting your marketing activities fairly and squarely at the people who need and want your service or product is the secret to creating quality enquiries and getting prospects to open their wallet.

Understand that marketing is not advertising. Don t make the mistake of thinking that advertising and websites are the only two ways to attract more business. You can market your small business in literally hundreds of ways, so it pays to know what they are and then eliminate the ones that won t work, or that you can t afford, up-front.

Set sales goals and targets. Marketing really is a numbers game. Marketing efforts that won t directly or indirectly bring in new business have absolutely no point. Know what your goals are in terms of revenue, expenses, profit, number of enquiries and, of course, number of new sales.

Get a handle on the four Ps of marketing. Getting your product, pricing, placement strategy (distribution) and promotional strategy humming along and working together is crucial to good marketing.

Essential Tools for Good Business Marketing

If you re armed with the marketing essentials you can t help but succeed in attracting new prospects and bringing in more business. Spend some time on getting your marketing toolkit in place and be prepared at all times.

Here are a few items to pack into your marketing toolkit:

A plan and a budget: Getting a plan that will support you for years to come is essential to keep you on track. It doesn t need to be as thick as War and Peace. but it does need to be written down, clearly communicated to your team and acted on day by day even when business is booming.

A great product or service: Advertising your business has no point if the customers don t want, value or love what you have to offer. Make sure you do your research and listen to your customers before sending your product out to the market.

A professional brand: A brand is much more than a logo. It encompasses everything people see, hear, think and feel about your business. Invest up-front in developing a brand that stands out from the crowd. It ll save you money and heartache in the long run.

Powerful marketing materials: Your business card, sales brochures, sales letters, website, signage, uniforms and car decal speak volumes about your business. Make sure they look professional and appealing at all times.

An elevator pitch: In the course of marketing your business you ll get asked thousands of times What do you do? Don t make the mistake of boring the poor person who asked the question. Make sure you have a fun, interesting and memorable pitch ready at all times and be able to deliver it in the time it takes to travel a few floors in an elevator.

A brilliant website: Your website must attract attention and give value to those who visit. Use it as a tool to retain and keep in touch with existing customers as well as for enticing new customers. The online world can be very scary to many small-business owners, but, if you don t embrace it, you may find yourself out of business.

A simple database: The backbone of all good marketing is about building a solid database of past, present and future customers (prospects) so you can keep in touch and communicate regularly via e-newsletters, emails and phone.

Clever Ideas to Market Your Small Business

You don t need to spend buckets of money on marketing. Creativity and a bit of gumption to do something different from everyone else in the market can be the difference between business success and business failure. Here are just a few of hundreds of ideas to market your business:

Attend networking events. It s not what you know, but who you know. Get out there and network meet and greet. You can never have too many friends in life, even if they don t end up as customers.

Sponsor a local event or charity. It really does make you feel good to support your community, and everyone benefits you, your staff, your customers, the people you sponsor and, of course, the community at large.

Manage your public relations. Getting your name up in lights on TV and radio, and in newspapers and magazines isn t as hard as you think if you ve got a story worth telling!

Use social media. Using social-networking sites like Facebook, Twitter and LinkedIn, producing your own videos for YouTube or writing your own blog are creative methods of letting people know about you and your business. Go on, have a bit of fun.

Host seminars and events. Hosting your own events and inviting along your best customers and some of their friends is a great way to get to know people, connect at a personal level and build deep relationships.

Become a public speaker. If speaking isn t your number-one fear after death, hone your skills and become a great and entertaining speaker. It s a fabulous way to demonstrate your expertise and generate new business enquiries from the audience.

Top Marketing Tips for Businesses on a Low Budget

Most small-business owners, especially those starting out, don t have lots of money to spend on marketing. While the old adage you need to spend money to make money is true, you can still generate new business without having to dole out big bucks. Try a few of these tactics for a start:

Focus on relationship-building marketing strategies such as networking, building alliances with other businesses, and calling old customers, friends and people you once worked with.

Find people who are prepared to help you with marketing on a commission basis or a uni student who s studying marketing and might need some hands-on experience.

Develop a marketing mastermind group with other small-business owners for the purpose of sharing low-cost marketing ideas and referring each other business.

Sharpen your own online marketing skills and learn how to use Google AdWords and write blogs, and market yourself on the social media sites.

Promote your business on free online directories and publish your articles on other websites with links to your site.

Don t jump straight into low-cost (or no-cost) tactics without getting the basics right first plan your marketing strategy, understand your target market and polish up your product.


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Where to Find Small Business Grants for Women #business #invoices


#business grants for women

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Where to Find Small Business Grants for Women

Do you think financing a small business’s startup and expansion is as easy as obtaining a free grant from the government? You might (almost) be excused for believing that Uncle Sam is handing out bags of free money to anyone with two X chromosomes. In addition to late-night infomercials about government grants, dozens of articles full of misinformation about small business grants for women can be found online, full of vague terms and hazy promises like “The government offers a wide range of grants for women entrepreneurs.”

Well, I hate to be the bearer of bad news, but as the saying goes, “If it sounds too good to be true, it probably is.” Small business grants for women are few and far between. Why? Here’s what you need to know.

The Federal Government Doesn t Provide Grants for Starting and Expanding a Business

First, to quote from the SBA’s website, “ The federal government does NOT provide grants for starting and expanding a business. ” Instead, the federal government gives grants to non-commercial entities, such as universities or nonprofit organizations.

How did the misconception that the government provides small business grants arise? Perhaps it’s because the federal government does make grants to help state and local governments, which often turn around and use those funds to offer grants to organizations that help small business owners. In other words, if you started a nonprofit to help women start businesses, you might be able to get a government grant for that. But you can’t get a government grant to start a business yourself.

According to the SBA, some states do provide grants to businesses whose work benefits the region and its residents. For instance, you might be able to get a grant if your business helps develop energy-efficient technology that helps the state and its residents save money, or if you are expanding a child-care center (enabling more residents to work and support themselves). Even in these limited cases, however, the grants are rarely “free money.” You may be required to match the funds with an equal amount of your own capital or with a loan, for example. To search for this type of grant, visit the official government grants website, Grants.gov, and check out their section for grant applicants to see if you are eligible. (There are no small business grants for women on this site that aren’t also open to men, but there are some for small businesses.)

The 4 Best Small Business Grants for Women

Knowing the options are limited, let s talk about where women entrepreneurs can find funding. Here are a (very few) small business grants for women to investigate.

  • Eileen Fisher Women-Owned Business Grant Program: Fashion designer Eileen Fisher launched these small business grants for women in 2004. Today the company awards $100,000 in total grants annually to 10 women-owned businesses beyond the startup stage (maximum $10,000 per recipient). Learn more about eligibility and the application process here .
  • Amber Grant . Launched by Womensnet.com in 1998 to honor the memory of a young woman who died before she could fulfill her entrepreneurial dreams, this program makes a $500 grant to one qualifying woman business owner each month; one of those women receives a $2,000 grant at the end of the year.
  • IdeaCafe Grant . IdeaCafe awards $1,000 grants to small business owners. Although the grant is not for women only, the vast majority of the winners have been female.
  • Grants and Scholarships for Women (GrantsforWomen.org): You can search this database of scholarship opportunities and grants for women, but be forewarned—most are for non-business purposes.

As you can see, these grants are so small that your time may be better spent in figuring out ways to grow your business without them.

When you’re seeking a grant, watch out for scams. If you’re asked to pay money or sign up for some kind of subscription to access a listing of small business grants for women, beware.

Your best bet in seeking a grant to start or expand your business? Talk to your local Small Business Development Center (SBDC) or SCORE office. These organizations are plugged into the local financing community and will be able to guide you if, indeed, there are any small business grants for women in your area from local corporations, philanthropic or economic development organizations. You might also want to look into SBA loans for women. an affordable kind of financing for female small business owners.


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Drug Addiction – Parents: How to get help, where to get help for heroin

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How to Help a Friend or Family Member Addicted to Drugs

Everyone around an addict knows he or she needs help, but often the addict can’t see it. Many die exactly that way. Our goal is to try to provide the family with as much information as possible relating to the intervention process.

If you are ready to get your loved one into recovery now, contact Narconon.

Very often, an addicted person will know deep inside that he or she needs help but be unable to break the cycle long enough to receive the needed help. An example that is very common is when an addict encounters some major problem (e.g. they get arrested, kicked out of house, lose job etc.) and at that point is completely willing to discuss the addiction with loved ones. Unfortunately, if this opportunity is not quickly seized, the drug cravings and overwhelming environment will force the individual back into using drugs and it will be some length of time before he/she will encounter forces that again yield cooperation towards rehabilitation efforts.

What is the Ruin of the Addict?

The addict has things in his or her past or present that seem like devastating events and that have something to do with drugs. One example is a person that has lost his best friends due to his addiction. Another example is a person losing his wife and child over drug abuse. A family member can look at an addict’s life and see hundreds of reasons why he/she should quit using but unfortunately these reasons are not REAL to the addict. There are, however, problems the addict encounters that are real or significant in the addict’s life, which he/she sees as reasons to quit using drugs. These are important to identify because they can be used during the intervention to remind the addict why he or she must seek help.

What Pressure Does the Addict Feel Now?

The addict doesn’t necessarily have the same reality about their addiction that non-addicts might. For instance, he or she may have semi-serious health problems, no friends and no job or income but feel like they are ‘doing okay’. Many addicts have actually overdosed on drugs coming very close to death and are right back using drugs the very next day. This may appear crazy but in fact is only part of the pain for the addict.

Where to get help for heroin addiction

With this in mind, the addict from time to time will encounter added pressure, which forces him/her to make an actual decision about whether to seek help or continue to use. Pending legal charges that could easily lead to jail time, threat of losing spouse, pending loss of job, all are possible situations where a person has enough pressure to fight the addiction and seek help. Although any one in particular may not work in your situation, there are pressures that can come to bear which will help prod the addict into a decision to seek help. It is easy to assume the addict is “only seeking help to avoid jail” or some other evaluation which in many cases is true. The fact remains that an addict will only seek help when someone or something pushes him out of his “addiction comfort zone” and forces him into a decision. Addicts with access to money, a place to live and people who agree with their usage rarely seek help. They “don’t have a problem”. This is very important to understand and will be crucial in any attempt at intervention.

Who Should be There to Help?

One of the major considerations involving intervention is selecting who will be there. This matter should be well thought out beforehand. The number of people there is less important than who is there. If at all possible, the person in the family whom the addict respects the most should be there. This person is an opinion leader to the addict and needs to be there fully supportive of getting the person help and informed well about the actual agenda.

As many family members as possible should be there as long as each and every one are completely in agreement about the fact that the person needs help and supportive of the general agenda. If someone in the family is antagonistic against the addict and is not capable of restraining themselves from arguments and blame then you might consider leaving that person out. Usually, the addict has many enemies and has done wrong to most of the family but arguments and upset will not benefit the cause of getting the addict to seek treatment. In fact it will usually result in stopping this from happening because the focus of attention gets placed on the argument and not on the matter at hand.

The overall goal is to bring the addict up to a point where he or she realizes there is a problem and is willing to seek help. When this has been achieved, be prepared to get them to treatment without any delay.


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Where are They Now? Patrick Donnelly in Cincinnati Business Courier Forty Under 40 Retrospective

#cincinnati business courier

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Where are They Now? Patrick Donnelly in Cincinnati Business Courier Forty Under 40 Retrospective

June 20th 2016 at 3:13PM

Twenty years ago, Patrick Donnelly, then associate principal and director of client services at BHDP, was recognized in the Forty Under 40 class of 1996 from the Cincinnati Business Courier. In a rare retrospective of all winners from this highly motivated class, the Business Courier reports on the current standings of each nominee.

Today, Patrick Donnelly continues his work at BHDP, now as an owner and client leader.

As the article reports:

A lot has changed since 1996. The Forty Under 40 awards were only in their second year and the Business Courier received 120 nominations. (This year, we received 426 nominations.) However, the focus was the same: We were seeking up-and-coming business leaders making a difference in the community.

The emphasis is on leadership and potential leadership – whether it is in business, finance, politics, nonprofits, education or public service. Focus is also placed on the nominee’s community involvement. Most of our honorees have made good on the early promise they showed. Among them we count 14 company presidents, nine sitting CEOs, three business owners, two law partners and one judge.

2016 BHDP Architecture. All rights reserved.


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