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.
#business grants for women
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.
Drug Addiction – Parents: How to get help, where to get help for heroin
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.
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.
Where are They Now? Patrick Donnelly in Cincinnati Business Courier Forty Under 40 Retrospective
#cincinnati business courier
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.
Pay as you grow with PayPal Working Capital
Since we got PayPal Working Capital, every month has been our best month.
Frequently asked questions
How does PayPal Working Capital work?
PayPal Working Capital is a business loan with one affordable, fixed fee. You repay the loan and fee with a percentage of your PayPal sales. There are no periodic interest charges, monthly bills, late fees, pre-payment fees, penalty fees, or any other fees.
The process is easy:
- Select your loan amount. The maximum loan amount depends on your PayPal sales history.
- Choose the percentage of your PayPal sales that will go toward repaying your loan and fee.
- If approved, receive the funds in your PayPal account within minutes.
- Repay automatically with a percentage of each sale until your balance is paid in full. You can also make manual payments or even pay the loan in full without penalty.
Am I eligible to apply for PayPal Working Capital?
To be eligible to apply for PayPal Working Capital, you must:
- Have a PayPal Business or Premier account for 3 months or more
- Process at least $20,000 in PayPal sales annually if you have a Premier PayPal account or $15,000 in PayPal sales annually if you have a Business PayPal account
- Pay off any existing PayPal Working Capital loan
What fees do I have to pay with PayPal Working Capital?
Unlike traditional loans, PayPal Working Capital charges a single, fixed fee that you’ll know before you sign up. No periodic interest, no hidden fees, and no late fees.
What is the minimum repayment requirement?
Because your automatic repayments get deducted as a percentage of each PayPal sale, the amount you repay each day changes with your sales volume. The more you sell, the more repayment progress you’ll make that day. On days without sales, you’ll make no payments, but there is a minimum repayment requirement every 90 days.
Regardless of sales volume, you must pay at least 10% of your total loan amount (loan + the fixed fee) every 90 days for the first 540 days of the loan, or until you’ve repaid the full amount, whichever occurs first.
Here’s an example:
If you borrow $10,000 ($9,500 loan + $500 fixed fee), you are required to pay $1,000 every 90 days for the first 540 days of the loan.
For most of our customers, regular automatic repayments easily cover the minimum and this is never an issue. But if you do get behind, you can make additional payments on the PayPal Working Capital website.
If you do not meet the minimum and your loan goes into default, your entire balance could become due and limits could be placed on your PayPal account.
Please see Section 12 of the Terms and Conditions to learn more about default.
Can I get more than one PayPal Working Capital loan at a time?
PayPal Working Capital loans are issued one at a time. You can apply after paying off one loan to get another one – many merchants do. Keep in mind that it can take up to 3 business days for your final payment to process before you’ll be able to apply for a future loan, which will then be subject to approval.
Call us and we’ll be happy to help.
Ready to get started?
Minimum repayment requirement
With PayPal Working Capital, payments are flexible and change with your sales. We know that sales can sometimes vary, so it’s important to us that you understand the loan’s minimum repayment requirement.
Regardless of sales volume, you must pay at least 10% of your total loan amount (loan + the fixed fee) every 90 days for the first 540 days of the loan, or until the loan is paid in full, whichever occurs first.
If you don’t meet this requirement, you’ll fall behind and your loan will go into default.
But don’t worry. For most of our customers, regular automatic repayments easily cover the minimum and this is never an issue.
If you do fall behind, you can make additional payments on the PayPal Working Capital website.
You have a saved offer.
Your offer to borrow up to is good until at . Customize and accept your offer and receive funding in minutes.
Should a collision occur, Cruze responds quickly with the available OnStar Automatic Crash Response System, part of the Guidance Plan, which is standard for three months † (24 months † for LT and Premier). Vital information is relayed to trained OnStar Advisors, who can then request emergency assistance, even if you’re unable to respond.
Safety features are no substitute for the driver’s responsibility to operate the vehicle in a safe manner. The driver should remain attentive to traffic, surroundings and road conditions at all times. Read the vehicle Owner’s Manual for important feature limitations and information.
*The Manufacturer’s Suggested Retail Price excludes destination freight charge. tax, title, license, dealer fees and optional equipment. Click here to see all Chevrolet vehicles’ destination freight charges .
Visit onstar.com for coverage map, details and system limitations. Trial excludes Hands-Free Calling Minutes.
Visit onstar.com for coverage map, details and system limitations.
Requires factory installed remote start.
Maintenance visits must occur within two years or 24,000 miles of vehicle delivery, whichever comes first. Does not include air filters. See participating dealer for other restrictions and complete details.
Based on EPA-estimated 52 MPG highway with available 1.6L turbo-Diesel engine with manual transmission.
Requires compatible mobile device and active OnStar subscription. Visit onstar.com for details and system limitations.
Does not include emergency or security services. Visit onstar.com for coverage map, details and system limitations.
EPA-estimated highway MPG for Diesel Sedan with 1.6L 4-cylinder engine and manual transmission. Automatic transmission with EPA-estimated 47 MPG highway.
Vehicle user interface is a product of Google and its terms and privacy statements apply. Requires the Android Auto app on Google Play and an Android compatible smartphone running Android 5.0 Lollipop or higher and data plan rates apply. Android, Android Auto, Google, Google Play and other marks are trademarks of Google Inc.
Vehicle user interface is a product of Apple and its terms and privacy statements apply. Requires compatible iPhone and data plan rates apply. Apple CarPlay is a trademark of Apple Inc. iPhone is a trademark of Apple Inc. registered in the U.S. and other countries.
MyLink functionality varies by model. Full functionality requires compatible Bluetooth and smartphone, and USB connectivity for some devices. MyLink on Cruze does not include CD player.
Requires active OnStar service, compatible device, factory-installed remote start and power locks. Data rates apply. Visit onstar.com for details and system limitations.
Excludes L models. Not available with special financing, lease and some other offers. Take delivery by 8/31/17. See dealer for details.
Requires power locks.
EPA-estimated highway MPG for Cruze LS and LT with 1.4L 4-cylinder engine and automatic transmission.
The Manufacturer’s Suggested Retail Price excludes destination freight charge. tax, title, license, dealer fees and optional equipment. Click here to see all Chevrolet vehicles’ destination freight charges .
Cargo and load capacity limited by weight and distribution.
EPA-estimated highway MPG for Cruze LS and LT with 1.4L 4-cylinder engine and automatic transmission.
Requires a compatible mobile device, active OnStar service and data plan. 4G LTE service available in select markets. Visit onstar.com for coverage map, details and system limitations. Data plans provided by AT T.
Not available for City Express, LCF or Colorado Base. Available option for Express Cargo and Cutaway Van, Silverado WT and Custom and Colorado WT.
Whichever comes first. See dealer for limited warranty details.
Based on GM Compact Car segment. Always use safety belts and child restraints. Children are safer when properly secured in a rear seat in the appropriate child restraint. See the Owner’s Manual for more information.
Visit onstar.com for coverage map, details and system limitations. OnStar acts as a link to existing emergency service providers. Not all vehicles may transmit all crash data.
SQL Tutorial – Learn SQL Query Language
SQL (Structured Query Language) is a computer language aimed to store, manipulate, and query data stored in relational databases. The first incarnation of SQL appeared in 1974, when a group in IBM developed the first prototype of a relational database. The first commercial relational database was released by Relational Software (later becoming Oracle).
Standards for SQL exist. However, the SQL that can be used on each one of the major RDBMS today is in different flavors. This is due to two reasons: 1) the SQL command standard is fairly complex, and it is not practical to implement the entire standard, and 2) each database vendor needs a way to differentiate its product from others. In this tutorial, such differences are noted where appropriate.
This SQL programming help site lists commonly-used SQL statements, and is divided into the following sections:
- SQL Commands . Basic SQL statements for storing, retrieving, and manipulating data in a relational database.
- Advanced SQL . Discusses SQL commands and calculations that are more advanced.
- SQL Functions . Commonly-used math functions in SQL.
- SQL String Functions . Common string functions used in SQL.
- SQL Date Functions . Common date functions used in SQL.
- Data Definition Language (DDL) . Commands used to create, modify, and delete database objects.
- SQL Constraint . Commands that limit the type of data that can be inserted into a column or a table.
- SQL ALTER TABLE . How to change the structure of a table after it is created.
- SQL NULL . Discusses the concept of NULL in SQL and functions associated with the NULL concept.
- SQL Video Tutorial . For those who prefer to watch videos to learn, the 1Keydata team has created several video tutorials on SQL.
- SQL Syntax . A single page that lists the syntax for all the SQL commands in this tutorial.
- SQL Quiz . A 25-question quiz that you can use to see if you have understodd the concepts taught in this tutorial.
For each command, the SQL syntax will first be presented and explained, followed by an example. By the end of this tutorial, you should have a good general understanding of the SQL syntax, and be able to write SQL queries using the correct syntax. My experience is that understanding the basics of SQL is much easier than mastering all the intricacies of this database language, and I hope you will reach the same conclusion as well.
Although it is a good idea to go through this tutorial in the above order, it is not required. You are free to go through the site based on how you learn best. Please bookmark this site now and so you can come back to this site whenever you need to remember how a SQL command is used.
Wofford College Application 2017 – Wofford College announces Spring ’16 Dean’s List #where #is
Wofford College announces Spring ’16 Dean’s List
High School and entered Wofford College—a special place where I could call students, faculty and staff as friends. In May 2002, I earned a Bachelor of Arts degree in government and economics. Wofford is located in Spartanburg, South Carolina.
Located in the bustling college town Spartanburg, SC, Wofford College is a private liberal arts college. For the past 21 years, Wofford has hosted the Carolina Panthers for their summer training camp. The college competes in NCAA Division I athletics.
The student newspaper, the Old Gold and Black, is published every other week, and the yearbook, The Bohemian, is published each spring. Wofford has a variety of student service organizations on campus, including the Bonner Scholars,  Twin Towers.
Daniel Finalist Scholarship at Wofford College. While guaranteed significant scholarship funds, a Charles E. Daniel Finalist competes for the Charles E. Daniel Scholarship, which provides full tuition, fees, room, and board for a period of four years.
It doesn’t matter how many times it’s photographed, you can never get tired of a gorgeous picture of Old Main. wonder why Dr. Whisnant’s office light is on so late? Pluff Mudd designs. i WANT this. go terriers! it’s a print, but you can get it has.
Thinking of planning a city break to Greenville. Expedia have a great range of hotels and accomodation in Greenville near Wofford College that will help make your stay that little bit more special. But before you go make sure to check out the Expedia.
SPARTANBURG, S.C. – NBC “Today” show national correspondent Craig Melvin, a 2001 graduate of Wofford College, urged graduating seniors. Giles Jr. president of Spartanburg Community College and a 1968 Wofford graduate. The Roger Milliken Award for.
Wofford College is located in Spartanburg, S.C. The campus is located in the city’s downtown section and has operated from its current location since 1864, before the American Civil War. Wofford University is unique among colleges, because its entire.
The Wofford College Dance Team is a valuable member. After high school, A’Deana attended South Carolina State University on a full scholarship where she danced as a Champagne Dancer with the Marching 101 Band for three years and went on to graduate.
Explore the sights, discover the sounds, and immerse yourself in the city’s atmosphere: When you book a vacation at the top hotels near Wofford College. tracking down a cheap deal on Wofford College hotels in Greenville – Spartanburg gives you.
Wofford College has awarded the following scholarships to incoming first-year students, members of the class of 2014: Philip Matthew Coffey, a senior at Dorman High School and son of Joy Coffee of Roebuck, has been awarded a Charles E. Daniel Finalist.
The unit will be located at the base of the Press Box near the entrance to section H5/H6. Pick up the latest Terrier gear at the Wofford College Bookstore mobile store located in the main plaza or visit the permanent location on Church Street weekdays.
Percent Freshman with GPA Tagged with:.
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We found 227 Greenville, SC Apartments for Rent near Wofford College (WC). Use our customizable guide at the top to narrow down apartment options. Find exactly what you want for your Greenville, SC apartment search.
This page focuses on costs and expenses, student debt, completion rates, earnings, and default and repayment rates for students receiving federal aid (i.e. grants or loans) at Wofford College. Visit our Colleges and College Tuition topics for additional.
A mobile ATM is available at Gibbs Stadium. The unit will be located at the base of the Press Box near the entrance to section H5/H6. BASKETBALL: The mobile ATM will be located at the entrance to the Benjamin Johnson Arena adjacent to the ticket booth on.
FLORENCE, S.C. — The Florence Rotary Club hosted the new president of Wofford College at its meeting Monday and. in Spartanburg, last summer and has since become the school’s biggest cheerleader — though he joked with Rotarians that he’s really.
The list was compiled based on Forbes’ “America’s Top Colleges 2015 ranking.” Wofford was ranked at number 97 on that list. The magazine says Wofford, which opened in 1854, offers 25 majors, 21 minors, 19 programs and fields of study, Greek life.
Angela Leigh Heinrich of Sugar Land • Conrad Randall Heinrich of Sugar Land • Morgan Kay Schrader of Cypress Wofford College, established in 1854. outstanding faculty, study abroad participation and successful graduates. Wofford is home to one.
#bad credit business loans
Bad Credit? Where to Find 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 .
Bad credit is a red flag for lenders. It indicates you’ve either mismanaged your personal finances or fallen on hard times. Either way, lenders see you as higher risk — more likely to miss payments or default on a loan than a borrower with good credit.
Bad credit (defined by FICO as a score of 300 to 629) is one reason loan applications are rejected; the approval rate of business loans from big banks was just 23.3% as of June 2016, according to Biz2Credit. But alternative lenders provide options. They emphasize the strength and operating history of your business rather than your credit. Be sure to carefully compare all of your choices, weighing terms and annual percentage rate.
Here are some options:
Note: If you’re a startup less than a year old, it’ll be tough to find a loan, no matter your credit. Here are financing ideas to help you launch your company.
If your personal credit score is under 500
With a score below 500, your best bet is likely a lender with no minimum credit score. Many lenders require a minimum score to qualify, but Fundbox and Kabbage don’t. Both are good, although pricey, choices for bad-credit borrowers who need short-term working capital up to $100,000. Fundbox, however, is only for businesses with unpaid customer invoices. There’s no minimum revenue with Fundbox and no credit check. For Kabbage’s line of credit, you need least $50,000 in annual revenue and one year in business.
If your personal credit score is 500 or higher
With a personal credit score of at least 500 or 530, you could qualify for OnDeck or BlueVine. OnDeck is for businesses that have at least $100,000 in annual revenue and is better if you need cash for an expansion (such as purchasing equipment or making renovations). The lender reports payment activity to the three credit bureaus, so paying off your loan on time will help build your credit score. If your score is at least 530 and your business has unpaid customer invoices, consider BlueVine invoice factoring.
Good option for:
• Fast cash
• Fast cash
• Working capital
• Businesses with unpaid invoices
• 500+ credit score
• $100,000+ revenue
• No personal bankruptcies in past 2 years
• 530+ credit score
• Must have unpaid customer invoices
• $120,000+ annual revenue
• 3+ months in business
If your personal credit score is 600 or higher
Because your score is at least 600, you can turn to Dealstruck or StreetShares for financing. For larger amounts of funding and lower borrowing costs, consider Dealstruck, as it has term loans and lines of credit up to $500,000 with APRs from 10% to 28%. However, you’ll also need strong minimum annual revenue of $150,000 to qualify. If you have $25,000 or more in revenue, StreetShares is an option. Its loans max out at $100,000 with 9% to 40% APR.
Good option for:
• Expansion, inventory purchases
• Businesses with unpaid invoices
• Young businesses
• 600+ credit score
• $150,000+ annual revenue
• 1+ year in business
• 600+ credit score
• $25,000+ annual revenue
• 1+ year in business, unless you already have $100,000 revenue (drops to six months)