Monthly Archives: November 2017

Will Asia see the next crowdfunding gold rush? #free #business #websites

#world business news


Will Asia see the next crowdfunding gold rush?

Miriam-Doerr | iStock | Getty Images

As businesses seek out new ways to raise money, venture capitalists could start to fund some early stage businesses through crowdsourcing rather than relying on institutional investors, according to the latest research.

“The percentage of early stage seed deals funded by crowdfunding is growing, and is beginning to cannibalize the volume of these deals funded by venture capital firms in Europe,” said Robert Wardrop, executive director at Cambridge University’s Cambridge Centre for Alternative Finance in the UK.

Crowdfunding for lending represents about 80 percent of the total market in Europe, Wardrop said. But Asia is still ripe for development with demand for alternative financing for entrepreneurial innovation in sophisticated regions like Indonesia, Japan, Singapore, and Thailand growing in a move to remain competitive with China.

In Europe, there has been an emergence of smaller venture capitalists using crowdfunding platforms to both raise funds to make new investments and provide capital for later stages of existing investments, Wardrop said. And this trend could catch on in Asia.

The emergence of crowdfunding/crowdsourcing, funding a project or venture by raising monetary contributions from a large number of people via the internet, was created in the aftermath of the global financial crisis. When traditional financial institutions restricted its lending capacity and entrepreneurs turned to the internet to connect with investors to help finance their business plans.

While the crowdfunding scene in Europe is well recorded — the European Alternative Finance report estimated about 144 percent growth in the online alternative finance market from 2013 through to 2014 in Europe — there is no one reliable research database about alternative finance activity in Asia.

To help untap Asia’s crowdfunding potential, the University of Cambridge is planning to partner up with the University of China and corporate sponsors to conduct an Asian alternative finance report. The Asian alternative finance study is expected to be commissioned in July of 2015, and to be completed in the Q4 of 2015, Wardrop said.

The exact size of the alternative finance market in select countries in Asia may be a mystery now, but it is clear to one academic researcher that it is a big market that could become a massive one in coming years.

“The China market alone could represent USD 48 billion in crowdfunding by 2020, if the country liberalizes its law to allow more equity funding,” said Richard Swart, global crowdfunding and alternative finance researcher at the University of California, Berkeley, Haas School of Business.

Alt. Financing: Commitment vs Marriage

The world of alternative investing individuals and investors could be compared to the dating marketplace, with many entrepreneurs in search of a quick connection versus those that prefer to let the relationship slowly evolve in an effort to make a serious connection and lifelong commitment.

Crowdfunding has been deemed a quick capital fix for an innovative business person that is in search of a monetary transaction only. It results in market validation while getting traction in the form of early customers and adopters, one venture capitalist investor said.

“An important fact is that time to required to receive funds will usually be much shorter (for crowdfunding) than going through the venture capital process. The VC route is typically to build longer-term relationships with entrepreneurs, which often start even before they start to fundraise, ” said Albert Shyy, an associate at GREE Ventures in Singapore.

Another venture capitalist said his daily work load is less strenuous with the advent of the online alternative finance market.

“It’s made a venture capitalist’s life much easier,” said Anis Uzzaman, general partner and CEO at Fenox Venture Capital, Inc. a US-based venture capitalist investing in Singapore.

In Uzzaman’s experience, he said the advent of crowdfunding means the entrepreneur can be anywhere, so long as they have the digital connectivity with investors. It used to be that entrepreneurs had to attract and wait for angel investors to come to them to attract start-up funding. Uzzaman recalled a situation when he found a company through and he had dialed them up and learned the company was based in the countryside of Malaysia but it had most of its software users in the United States. It was an interesting investment situation, he said.

The relationship between crowdfunding and venture capitalist continues to evolve and it remains to clear that there continues to be a want and a need for traditional venture capital investments so long as there are institutional investors.

“Venture capitalists are more important in the age of crowdfunding. There is a 0.0006% chances of building a USD 1 billion company. It takes time and expertise to build the good one,” said Anurag Srivastava, CEO at Space Matrix Group in Singapore.

Regardless, there seems to be a respective place for both traditional and not-so traditional forms of funding for start-up companies, however.

Haider Aly-Reza, director at Bazingo Inc. a Singapore company focused on electronic commerce, social crowdsourcing and technologies aimed to empower entrepreneurs globally, believes there are a lot of bright minds in Asia and using crowdfunding will only be a logical step if entrepreneurs want to see the response of their product and help their product grow.

“Crowdfunding is here to stay and here to grow,” he said.

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SBA Lending › BBCN Bank #minority #small #business #grants

#sba financing


SBA Lending

SBA 7(a) Loans

If you’re looking to purchase inventory, equipment and machinery, an existing business or commercial property, 7(a) loans offer the longest terms available to repay the loan.

  • Loan terms from 7 to 10 years for business purposes
  • Loan terms up to 25 years for owner-occupied commercial real estate property
  • $50,000 to $5 million in available financing
  • Quick pre-approval and decision process


  • SBA PLP Lender
  • Quick decision making process
  • Experience in helping small businesses succeed

SBA 504 Loans

Under this program, BBCN Bank provides 1st Deed financing and the Certified Development Company (CDC) provides 2nd Deed financing for commercial property purchases. What makes these loans so advantageous is that business owners only need to contribute as little as 10% equity into a project.

  • Loan terms up to 10 years with amortization schedule, from 20 to 25 years (1st Deed)/ from 20 years (2nd Deed)
  • For purchase of commercial property (51% owner occupied) or hotel/motel
  • $500,000 to $15 million in available financing
  • Up to 90% financing (90% LTV)


  • SBA PLP Lender
  • Quick decision making process
  • Experience in helping small businesses succeed

SBA Express Loans

The SBA Express program gives small business borrowers an accelerated turnaround time for SBA’s review.

  • Loan amounts up to $350,000
  • Quick pre-approval and decision process
  • Financing for a variety of business purposes
  • Ease cash flow with extended repayment terms


  • SBA PLP Lender
  • Quick decision making process
  • Experience in helping small businesses succeed

SBA Working Capital Program (EWCP)

As trade financing specialists, BBCN Bank’s SBA and Commercial Lending teams can provide a better understanding of SBA’s export lending programs, and are able to guide you through the process every step of the way. The benefits of an EWCP loan include:

  • Financing for suppliers, inventory or production of export goods
  • Ideal for export working capital during long payment cycles
  • Allows exporter to extend more liberal global sales terms
  • Low fees and quick processing times


  • SBA PLP Lender
  • Quick decision making process
  • Experience in helping small businesses succeed

See how BBCN Bank can make a difference for your company with an SBA loan.

Note: PLP = Preferred Lenders Program

All Business Directory – Referring Sites #magnetic #business #cards

#business list


Rubl: Online Card and Board Games
Category: Internet & WWW
Online tournaments in gin-rummy, cribbage, and other games. Play for money prizes or for free against other people worldwide.
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Sydney Marriage Celebrant: Lynette Gordon
Category: Weddings
Marriage Celebrant, Lynette Gordon conducts and creates wedding ceremonies, commitments and other occasions in Sydney, New South Wales, Australia.
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CorNu Enterprises
Category: Business Coaching & Consulting
Practical business management educational products. The materials are designed for self-paced learning. They are organized in bite sized chunks so busy people can absorb the information and apply the ideas immediately.
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Icon Disposable Gloves Plus
Category: Safety Products
Our mission is to provide small businesses and individuals with the best brand name safety supplies at prices that were previously only available to large companies.
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Sterling Wine Online
Category: Online Gifts
We are dedicated to providing the highest quality wine accessories, wine decor and wine gift items at competitive prices
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Lake Macquarie Dermatology
Category: Skin Care Products
Based in Toronto NSW Australia, we provide expert care for all skin related problems, as well as professional advice on maintaining and improving skin health and appearance. Our website will provide you with information regarding our practice.
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Heart2Heart Ceremonies: Marriage Celebrant
Category: Weddings
For your wedding ceremony on the Gold Coast Queensland, choose Marlee for unique and personalised ceremonies as your authorised marriage celebrant.
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Direct Eyewear: Prescription Sunglasses
Category: Eyewear
Online provider of discount eyeglasses, reading glasses and prescription sunglasses. Our aim is to provide a quality product at an affordable price. Our prices are significantly lower than those of a retail shop because we charge a lower mark-up.
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Rod Holder Depot
Category: Sports Retailers
Providing the top of the line quality rod holders and stainless steel marine hardware. Our mission is to make your on-line shopping as easy as possible and to provide top quality products and service every day.
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Villa Ixtapa: Vacation Rentals in Ixtapa, Mexico
Category: Vacation Rental Properties
Vacation rental house for rent by owner on the Mexican Riviera, Pacific coast of Mexico, north of Zihuatanejo. Property with 3 bedrooms, 4 1/2 baths, sleeps 6. Private swimming pool. Daily rates and yearly lease available.
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Cyn’s Home Business: Ideas & Opportunities
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Generate internet income with legitimate Online home business opportunities, turnkey internet business, Free home business tips.
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Alma Vista Stud: P.R.E. Spanish Horses
Category: Horses
Alma Vista Stud breeds on request and sells champion purebred Spanish P.R.E. – Pura Raza Espa�ola horses for breeding and riding.
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Top Website Tips
Category: Web Design & Development
Providing the top tips for improving your website and tools to help you promote your website. Directory, article and press release lists to add free back links to your site.
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EON Systems Inc
Category: Software
EON Systems billing, scheduling, practice management and EHR software makes managing your practice easy. Best with chiropractic, physical therapy and multi-disciplinary practices.
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SteveConstable: Chicago Web Company
Category: Web Designers
Chicago web company that offers clients in Chicago web company services at an affordable rate.
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Epis: Full service Investigaition, All Surveillance
Category: Investigation Services
Full service private investigation company specializing in Worker�s Compensation, Liability, Surveillance, Pre-employment backgrounds, including Personnel Issues, such as time card fraud, theft, substance abuse, and sexual harassment.
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Fusion Pearl: Exotic Pearl Jewelry
Category: Jewelry
Handcrafted pearl jewelry featuring Tahitian pearls, south sea pearls, akoy, abalone blue, and freshwater pearls embellished with precious metals and gems.
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Moore Lifestyles: Best Health & Wellbeing
Category: Health & Beauty Care
We have endeavored through our knowledge and resources to share with you what we have determined to be the most realistic and effective ways to achieve a wellness.
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Cedar Creek Treasures Online
Category: Gifts
We are an online store which offers a treasure chest of items at incredible savings. Visit us today for a great shopping experience.
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EAI SIM Solutions
Category: Software
EAI SIM Solutions implement flexible and extensible Enterprise Application Integration solutions. We use open standard middleware technology for Identity and Access Management, enhancing internal security and accountability throughout the enterprise.
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Category: Directories
Find companies, products and services on this comprehensive categorized business to business directory. Offers free and paid submission services to the business sector. Allows the addition of extensive business information on all directory entries.
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Football Boots Online: Sportswear
Category: Sports
Sportswear portal, the place where you can source big name products at reasonable prices. Find quality, world-class goods such as Nike Vapour football boots and Reebok football boots. So bookmark this site.
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Vancouver Mortgages
Category: Mortgage Lenders
Looking for Vancouver mortgage and loan services We ll find you the best mortgages and loan rates for Vancouver city Contact our brokers today.
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Healing Acupuncture Center of Austin, TX
Category: Acupuncture
Acupuncture is the holistic healing art of moving chi, life energy. Karen Nunley has years of experience in healing and pain remediation through acupuncture.
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Scotland In Oils: Scottish landscape Gallery
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Oil paintings of Scottish Castles and well known landscape scenes are our speciality. Artists gallery, no middlemen, buy online direct.
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ANZ Franchising #low #investment #business #ideas

#franchise loans


ANZ Franchising

Obtaining a franchise in a successful franchise system is often difficult. The initial capital outlay is normally large, and to fully secure the loan you usually have to mortgage your house.

This is where ANZ can help. We work from the basic belief that franchise businesses are different and usually inherit some strengths and capabilities from the franchisor.

ANZ offers

  • loan assessments made quicker by placing a value on the past performance of the franchise system
  • ANZ Preferred status to selected franchisors to reflect the value of their franchise system
  • ability for franchisees of preferred systems to borrow against the value of their business (including all franchise fees, training costs, stock and business assets) up to a percentage of the purchase price
  • less focus on the franchisee’s personal assets when obtaining finance
  • loan products tailored for franchisees
  • market leading eCommerce services for franchise businesses
  • a full range of services which are customised and priced to reflect the value of the franchise.

Benefits at a glance

Access to credit to fund your business purchase or expansion with or without ‘bricks and mortar’ security.
You can obtain a secured or partly secured loan using an ANZ Business Loan. Or, if your loan is fully secured by residential property, you can use an ANZ Business Mortgage Loan for an even cheaper from of financing.

Assistance with the short-term liquidity needs of your business.
An ANZ Business Overdraft provides a revolving line of credit. It’s ideal for assisting with working capital or funding requirements in the day-to-day running of your business.

A business deposit account to suit the requirements of your business.
We will recommend the most cost-effective solution for your business by looking at your typical transacting behaviour and average balance of funds.

Electronic banking for quick and accurate reporting of balances and transactions, as well as electronic payment capabilities.
ANZ Internet Banking is the smartest way to do your business banking. Without even leaving your desk, you can have control over almost every aspect of your business banking. And there are significant savings in time and money.

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.

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Australia and New Zealand Banking Group Limited (ANZ) 2015 ABN 11 005 357 522. ANZ’s colour blue is a trade mark of ANZ.

Fast – Quick Small Business Loans #cash #flow #business

#fast business loans


Fast Quick Small Business Loans

Approvals for fast business loans and fast small business loans are critical to fund a multitude of time-sensitive business requirements. Hiring new employees, making equipment purchases, replenishing inventory, purchasing real estate and increasing working capital are some business transactions that may require fast business loans. But the small business loan approval is only the precursor to the borrower’s access to liquid funds. Waiting six months for your bank to make its decision is impractical. Small businesses especially cannot afford to wait weeks or months for a decision and subsequent funding. Today’s rapidly evolving business environment has created the need for timely cash infusions that won’t put small businesses in further debt or even the risk of bankruptcy. Your business needs an alternative lender, a business funding company you can trust and fast.

Quick Business Loans from a Business Funding Company You Can Trust

Business loan applications made through traditional financial institutions can be very time consuming and complex. There are with numerous documentation requirements, a spotless credit record is a given and a lengthy application process. However, National Business Capital makes business loan decisions rapidly in an outstandingly efficient and in an expeditious manner. Our application takes the about two minutes on average to fill out and submit. We make our decisions within 24 hours and are proud of our over 90% approval rate.

When your business is in need of funds for looming payments, owed debts or another of the many facets of standard business’ operations, turn to National Business Capital. Here you and your firm will receive personal attention and sound financial advice. We will do our utmost to ensure that your business loan application will be processed quickly, and once approved, you’ll receive funding within days, not weeks. When you make the decision to work with our experienced representatives, you have opted for the simplest, yet most successful path to receive fast business loans. We have years of experience, a realistic underwriting process and no industry restrictions. Here is a quick recap: we are National Business Capital, a leading business funding company and we are proud of our over 90% approval rate. Once your application has been submitted we will make our lending decision within 24 hours and you’ll receive your funding within days.

National Business Capital has assisted companies from all over the country to achieve their goals, regain and expand their market share, achieve growth and more. For additional information about our lightning fast business loans or to ask address any questions, please apply now using our 2-minute application, or give us a call at (888) 888-9124. Our Business Consultants are standing by to answer your questions regarding business funding and to help enhance your business’ bottom line today. When your firm needs funding quickly, contact the business funding company that strives to assist you to receive the loan your firm requires: National Business Capital.

We Finance Your Journey

Our approval process takes less than 24 hours.

Business lending #business #website

#business lending


Business lending | NatWest

Our Small Business Loans can give your business the flexibility it needs. Borrow from £1,000 up to £25,000 at a fixed rate. You know how much you’ll pay each month, allowing you to manage your cash flow in line with your plans. Terms ranging from one year, up to ten years. Suitable for most types of small to medium sized businesses – from sole traders to partnerships and limited companies.

Add your signposting title here… We’re backing British businesses

At NatWest we’re committed to supporting British businesses grow. Our range of lending products could be used alongside the Government’s Enterprise Finance Guarantee scheme or the Regional Growth Fund; or if traditional bank financing is not appropriate for you, we can help you understand some sources of non-bank finance options that are available. Talk to us about all this and more; eligibility criteria applies for all funds and schemes.

Sky Blue Credit Repair Review 2016 #home #businesses

#credit repair business


Sky Blue Credit Repair Review

PROS / This company offers a good couples discount.

CONS / This service requires you to hire a separate service for your credit pull and credit monitoring.

VERDICT / Sky Blue Credit offers competitive prices and advertises high credit score increases, but it depends on third-party service for credit pulls and monitoring, which you need to purchase separately.

Sky Blue Credit is a credit repair service that works to restore your credit in an average of six months. It offers friendly customer service representatives that are willing to take time to explain the program without doing a hard-sell. It offers a good couples discount, but doesn’t have many of the program features we looked for when we reviewed credit repair companies. Some of these, like credit pulls and monitoring, it provides through third-party services, which it can direct you to, but for which you pay extra. Sky Blue Credit Repair earns our Top Ten Reviews Silver Award.

Support & Service

We reached out to Sky Blue Credit several times on various days and times to test its customer support to potential customers. Overall, we had good experiences with representatives from this company. They provided transparent and accurate information, were responsive to email and were easy to get ahold of via telephone. No one followed up with us, however.

This company also provides some supplemental education to help you learn more about credit and finances. The overall number of topics it covers was lower than average, but it offers an educational blog to help you learn more about how credit works and how to get back in control of your finances.

Cost & Fees

Sky Blue’s overall fees are affordable and compare well to the average cost of other credit repair services we reviewed. To use Sky Blue’s service, you must pay a monthly fee of $59, charged at the end of the month, and there is a $59 set up fee when you first enroll. A couples discount of 17% off the setup and monthly fees is applied if you sign up for this credit repair service with a partner. You must pull your credit report through a third-party service, but there are no additional fees on top of this, and this company does offer a money-back guarantee. These prices are correct as of the time of this review; depending on your specific situation when you look into this company, your quotes may be different.

Time Frame

Most clients work with Sky Blue Credit for an average of six months, though your program might be shorter or longer, depending on your situation. This credit repair company advertises between 100 and 200 points added to your credit score. Remember that this may vary greatly depending on your credit report and situation. If the credit bureaus can prove that a negative hit on your report is valid, it cannot be removed.

You should expect to start seeing results on your credit report within 30 days from the time Sky Blue begins disputing items on your report. This company typically disputes 15 items on your report at once across the three major credit bureaus. Some companies dispute all your items at once, trying to get the biggest improvement quickly. Other credit repair services only dispute a handful at a time because they believe too many disputes at once increases the chance of having them refused. Sky Blue takes a middle-of the road approach, submitting more disputes than the more cautious companies while still not overwhelming the credit bureaus.

Program Details

Sky Blue Credit offers fewer program features than other credit repair companies we reviewed. To its credit, this company does work with third-party reporting bureaus for credit reports and monitoring. It will provide you links to these services, which can pull your credit report for you (for a fee) and monitor your credit during the process. You can cancel that service at any time. However, Sky Blue Credit only works with the credit bureaus and not with your creditors, which could mean that the hits on your credit might end up back on your report. Sky Blue Credit also does not offer pay for delete negotiations. Such negotiations would allow you to pay off legitimate charges, usually at a reduced amount, and in return, the creditor removes the hit from your report.


Sky Blue Credit offers quality customer service, a good couples discount and a money-back guarantee. It has some educational features to help you learn about credit repair before you call for help, and it takes a quick but not overly fast approach to disputing charges. Be aware, however, that it only works with the credit bureaus and not directly with your creditors, which could potentially make this service less effective than other credit repair companies that work with both.

Overall Rating

Grenada Yellow Pages #small #business #investors

#yellow pages business


Recent Posts

Kingston, Jamaica: Wednesday, January 27, 2016: Global Directories, the largest local directory publisher in the Caribbean, has announced the acquisition of the publishing rights for Guyana Yellow Pages. The announcement was made during a signing ceremony at the GTT Headquarters in George Town Guyana on Tuesday January 26th.

This acquisition means that local businesses in Guyana will have the opportunity to truly increase brand visibility and customer engagement through Global Directories’ extensive portfolio of Directory products and Digital Advertising Solutions. With this acquisition, Global Directories continues to cement its position as the largest Directory Publisher in the English-speaking Caribbean, boasting an impressive portfolio of 17 print telephone directories with 1.6 million copies in circulation in over 17 countries. In addition, its online directories span over 6,000,000 unique visitors and over 27,000,000 searches annually.

“We are pleased to welcome Guyana to the Global Directories family,” said Ian Neita, CEO, Global Directories. “This is a significant milestone for Global Directories as we continue to expand our footprint and leverage new opportunities to improve the connection between buyers and sellers throughout the Caribbean, Central America and now South America”, he added.

Also present at the signing ceremony was CEO of GTT Telecoms, Justin Nedd, who said, “Global Directories has an excellent track record and we are delighted to partner with them as we continue to help businesses connect with their customers.”

Although known for connecting businesses to customers through their directory products, Global Directories has steadily expanded its portfolio, offering digital marketing solutions strengthened by partnerships with Google to provide Search Engine Marketing and Google Adwords to businesses across the region. Its Digital prowess was further cemented when the company won the 2014 2015 Latin America Premier SMB Partner Display Award from Google – an accolade that businesses in Guyana stand to benefit from.

About Global Directories
Global Directories Limited is a wholly owned subsidiary of Media House Limited and has been on the forefront of telephone book publishing for over 50 years. Global Directories Limited publishes 16 print telephone directories in 15 countries for a combined circulation of 1.6 million copies, while its’ network of 15 online properties reaches over 2 million unique visitors with over 22 million searches annually.

Global Directories is also the most celebrated Google AdWords Partner in the Caribbean Central America delivering digital products such as SEM, Display Advertising and Website Development.

10 Ways to Finance a New Business #stock #markets #today

#how to finance a business


10 Ways to Finance a New Business

When you were eight years old, you launched a highly profitable lemonade stand in your front yard. With nothing but a packet of instant drink mix, a crudely drawn sign and a winning smile, you grossed a whopping $2.35 in just an hour and 15 minutes. If only all new businesses were that easy.

According to the Global Entrepreneurship Monitor, a research group, the average cost of starting a new business in the United States in 2005 was $70,000 [source: Consumer Reports]. In a 2004 survey of failed businesses, 79 percent of respondents said that starting out with too little money was a major cause of their collapse [source: Sugars ].

But how do you finance a new business? When you were eight, you could borrow the drink mix from mom. But now that you’re grown up, will she let you borrow her life savings?

Luckily, you’re not the first entrepreneur to start with nothing but a good idea. Keep reading to learn about 10 effective and creative ways to raise start-up capital for your new business.

Print |
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Business Hosting, Business Web Hosting, PCI Compliant Business Hosting #registering #a #business

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Business Hosting

Clients must contact directly to apply for SLA credit. SLA credit is only issued in the form of direct service credit, no cash or refund is payable. SLA credit requests must be claimed within 30 days of the affected calendar month end; requests are void 30 days after the month end.

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