Tag : Finance

Finance company, financial institution, finance companies.#Finance #companies


Finance company

finance company , specialized financial institution that supplies credit for the purchase of consumer goods and services by purchasing the time-sales contracts of merchants or by granting small loans directly to consumers. Specialized consumer finance agencies now operate throughout western Europe, Canada, the United States , Australia, Japan, and some Latin American countries. Although they existed in the early 1900s, their greatest development came after World War II .

Large-sales finance companies, which operate by purchasing unpaid customer accounts at a discount from merchants and collecting payments due from consumers, were a response to the need for installment financing for the purchase of automobiles in the early 1900s. Ally Financial , for example, was established as the General Motors Acceptance Corporation (GMAC) in 1919 to purchase automobile accounts receivable from car dealers who were themselves unable to finance time purchases. Many companies in both Europe and the United States continue to specialize in financing purchases of particular commodities and remain closely associated with specific manufacturers. Some also extend credit for wholesale purchases by retail dealers.

Consumer finance or small-loan companies also arose in the 1900s. Until then the need for consumer loans had been met primarily by illegal “loan shark” activities because it was unprofitable for banks to make small loans at rates below legally set usury levels. In 1911 several states in the United States began adopting small-loan laws that authorized loans to consumers at rates above usury levels, making it financially practical to operate a consumer loan business. Today many companies engage both in the sales-finance business and in making loans directly to consumers.

In some countries, including Belgium, Denmark, and Norway, commercial banks have also become important as a direct source of consumer credit. In many other countries, they are important as a source of capital for specialized finance companies. Many finance companies in Great Britain, Australia, and the Netherlands, for example, have become closely affiliated with commercial banks because of the banks’ role as capital subscribers. In other cases, commercial banks play an important role in their extension of credit to finance companies.




Business Financing Loans and Options, small business finance.#Small #business #finance


Are You in Need of a Business Loan?

With the right loan, you may be in position to take your business to the next level.

Small business finance Small business finance

Small business finance

See what other people are saying

As seen in

  • Small business financeSmall business finance
  • Small business financeSmall business finance
  • Small business financeSmall business finance
  • AND A FEW

Small business finance

Loans up to $150k

At BusinessFinancing.org, we offer business loans up to $150,000. No matter if you have been in business for many years or are starting your company in the near future, this amount of money should be enough to make a big difference.

Small business finance

Lowest Rates

It is one thing to say you are interested in applying for a business loan. It is another thing entirely to find a lender that offers favorable terms. Until you do this, you will never feel comfortable signing on the dotted line.

Learn more

Small business finance

Fast Funding

Are you in need of fast funding for your business? Do you need money in order to purchase equipment, hire employees, or to meet some other demand? If yes, you have come to the right place. Business Financing can assist you now.




Atlas Small Business Finance – Just another WordPress site, small business finance.#Small #business #finance


small business finance

Small business finance

Small business finance

Atlas Small Business Finance

Atlas Small Business Finance (Atlas SBF) is a specialty finance company serving the growing U.S. Commercial Equipment Leasing market. With over 50 years of combined business practice experience, the management team of Atlas Small Business Finance combines the entrepreneurial spirit & personal service of a small business to deliver our Vendor Clients and Customers the very best Lease Program.

Our Mission

Deliver a High Level of Service & Support to our Vendor Clients and Customers.

  • Dedicated Account Executives specialized in niche markets to deliver a high level of Service and Support to specific leasing needs.
  • Simple and Quick Credit Processing.
  • Valued Leasing Experience for our Vendor Clients and Customers.

We look forward to the opportunity to deliver a high level of service and support in Equipment Leasing.

Industries We Serve

You can lease almost any type of equipment through Atlas Small Business Finance.

Commercial Industrial

Information Technology

Food Service

Medical/Healthcare

Telecommunications

Office Equipment

Security

If you work in a different Industry, give us a call at 888.594.8553 or email us at: [email protected] We are always looking for opportunities to expand our service reach.

Benefits of Leasing

Streamlined documentation.

One page simple application to deliver superior speed and simplicity in credit approval and documentation. That means quick credit decisions, usually, without requiring financial statements. Atlas Small Business Finance innovative application means: One-page credit application, Simple lease agreement, Brief general equipment descriptions, Easy upgrades and add-ons.

Improved Cash Flow Management.

Conserve capital for reinvesting in your business. Improve budgeting accuracy through fixed monthly payments and no floating rates.

100% Financing.

Finance 100% of your equipment cost and build in soft-cost items such as Software, installation, training, consulting fees, and freight right into the lease.

Savings on Down Payment.

Avoid large down payment—by leasing we only require the First and Last payment at the start of your lease.

Potential tax benefits.

Some businesses are able to deduct the monthly lease payment as an operating expense, thus reducing the net cost of the lease [consult your tax advisor for details.

Personal sales support.

Atlas Small Business Finance recognizes that each industry has a broad range of sales and service requirements. Whether you operate nationwide or in a local market, Atlas Small Business Finance representatives will give you the personal support you need.




Finance Companies – Payday Loans Online, finance companies.#Finance #companies


finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies




Business News & Financial News, Reuters, how to finance a business.#How #to #finance #a #business


Business

How to finance a business

Asia-Pacific leaders say to fight ‘unfair trade’ in nod to Trump

How to finance a business

Exclusive: Rupert Murdoch twice discussed CNN with AT ?>



Finance Business – Online Monthly Loans, how to finance a business.#How #to #finance #a #business


how to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business




Business News & Financial News, Reuters, business finance.#Business #finance


Business

Business finance

Larsen & Toubro beats estimates with 27 percent jump in Q2 profit

Business finance

Asia-Pacific leaders say to fight ‘unfair trade’ in nod to Trump

Business finance

India to slash sales tax on most goods subject to highest rate

Business finance

Analysis: India plans lending reforms as bankers fear new bad debt crisis

Business finance

China shopping festival smashes record with $25 billion haul

Business finance

Top lender SBI’s results signal Indian banks’ record bad loans peaking

Business finance

Exclusive – Rupert Murdoch twice discussed CNN with AT ?>



Business Finance Marketplace, business finance.#Business #finance


business finance

Business finance

Compare Providers

Search, review and compare individual finance providers.

Our research of the Australian marketplace, includes comprehensive lists and useful guides for all major finance categories. Information which saves businesses time and money, to help them make better financing decisions.

Business finance

Finance Review

Request a no obligation assessment of your business’s existing and potential funding needs.

Complete our online finance review questionnaire and one of our expert consultants will arrange to assess your individual business.

Business finance

Online Request

Use the online request tool to tell us about your financing needs. Our service will then source the best solutions available for your business.

Thank you for contacting BusinessFinance.com.au. Your information has been successfully received.

One of our expert consultants will be in touch with you shortly.

Error in Information Submission.

Compare finance providers

We have researched the business finance marketplace to bring you comprehensive information on the leading products and services available. To compare finance providers select from one of the categories below.

Business finance

Business Loans

Secured or unsecured loan solutions

Business finance

Asset Finance

Vehicle, equipment or machinery finance

Business finance

Invoice Finance

Sell invoices or accounts receivable for liquidity

Business finance

Credit Cards

Finance and manage expenses with convenience

Business finance

Trade Finance/FX

Export trade and foreign exchange services

Business finance

Overdrafts

Flexible short term bank credit facilities

Business finance

Equity Finance

Raise capital by selling ownership in your business

Business finance

Merchant Facilities

Allow customers to pay using credit cards

Business finance

Deposits

Generate income on your excess liquidity

Business finance

Bank Accounts

Transaction and checking accounts

Business finance

Insurance

Protect assets and income to manage risk

Business finance

Accounting

Software and professional services

Request a free finance review of your business

A finance review from BusinessFinance.com.au is a no oglibation assessment of your existing and potential funding needs.

One of our expert consultants will assess the details of your individual business. They will provide an independent summary of your business’s funding costs and illustrate how this compares to the alternatives available. We have reviewed thousands of funding solutions and are well placed to ensure your business gets the expert advice it deserves. BusinessFinance.com.au can show you the most optimal sources of capital at the most competitive rates, meaning more money stays in your business.

Source finance with our online request tool

The online request tool from BusinessFinance.com.au helps businesses source the best finance solutions.

It only takes a few moments to complete our online form. Once received one of our expert consultants will analyse your information using our proprietary technology and contact you with the optimal finance solutions for your business.

A sample of our provider network

BusinessFinance.com.au provides access to a significant network of both traditional and alternative finance providers. In addition we can faciliate access to a number of private pools of capital.

  • Business finance
  • Business finance
  • Business finance
  • Business finance
  • Business finance
  • Business finance
  • Business finance
  • Business finance
  • Business finance
  • Business finance
  • Business finance
  • Business finance
  • Business finance
  • Business finance
  • Business finance
  • Business finance
  • Business finance
  • Business finance
  • Business finance
  • Business finance
  • Business finance
  • Business finance
  • Business finance
  • Business finance
  • Business finance



Compare Business Finance Products Today at MoneySupermarket, business finance.#Business #finance


Business finance

Compare business finance products

Seek out the best deals on a wide range of products including in-credit business current accounts, cashback business credit cards and short-term business loans – plus get exclusive deals on business products that you can’t find anywhere else.

Business finance. Trust us to explain it simply

Explore

Medium to long-term business loans

We ve provided a list of those who can help if you re interested in taking out a medium to long term loan.

Commercial mortgages

Every question you have around commercial mortgages – solved

Business saving accounts

Just like a personal account, you can manage and save your financies to support your business

Asset financing

Financing for the things where your business needs it most

Short-term business loans

From helping with cash-flow to expansion costs, a short-term loan could be an option if your business needs a boost

Invoice financing

Often an ideal solution when in need of a instant cashflow-fix.

Business current accounts

Compare and find the best business current account to suit your business

Business credit cards

Facilitate staff spending and much more with business credit cards

Business money transfers

Credit cards can be used as a way of managing both staff spending and cashflow.

Business insurance

Ensure your business has the protection it requires

Business energy

Just like your home, compare and save money on your business energy and gas

Managing business expenses

Discover a great alternative to a business credit card

Guides

What are business loans

All you need to know about taking out a loan for your business.

What are business current accounts

The best way to keep your personal and business-banking separate.

Business savings accounts explained

All you need to know about taking out a loan for your business.

Peer-to-peer business loans

A loan that comes from individuals, as opposed to the bank. We explain how.

Invoice financing

How it works, and how it can benefit your business

What are business credit cards

Credit cards can be used as a way of managing staff spending and cashflow

Business finance in general

When it comes to managing your business finances, it’s not all that different from managing your personal finances.

The key difference is the fact you want to seek out products that are specifically designed for business use, as these will offer better rates as well as other features aimed at making running your business easier for you.

Who business finance is for?

Business finance is for any type of business, no matter how big or small.

You may want to think about business finance if you operate as a sole trader, or if you are a limited company – or if you are anything in between.

Who can apply?

Anyone who owns a business can apply for business finance, but you must remember that with some products, such as business loans, it may be difficult to get accepted in the current uncertain climate.

As a general rule, those businesses with the cleanest credit record have the best chance of getting accepted – and of getting the best rates.

What products are available within business finance?

There are a wide range of products available within business finance offered by numerous different banks and other financial organisations, including business current accounts, business credit cards and business loans.

Each product on offer in business finance has been designed with business in mind, and will help you to run your business operations more smoothly.

Why are we the best website for business finance products comparison?

If you’re looking for business finance products then you need look no further, as we compare hundreds of deals from different providers in one place to seek out the very best deal for you and your particular needs.

We offer a free and independent comparison tool, and also have access to exclusive deals on business finance products that you won’t be able to find anywhere else.




Business News & Financial News, Reuters, business finance loan.#Business #finance #loan


Business

Business finance loan

Asia-Pacific leaders say to fight ‘unfair trade’ in nod to Trump

Business finance loan

Exclusive: Rupert Murdoch twice discussed CNN with AT ?>



Finance Companies – Payday Loans Online, finance companies.#Finance #companies


finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies

Finance companies




Small-Business Loans – 3 ways to get a loan, business finance loan.#Business #finance #loan


3 ways to get a small-business loan

The recovering economic environment has meant that small businesses have had to be more creative when looking for loans.

However, companies with sound business strategies still can borrow. Options include loans from traditional banks and institutions affiliated with the Small Business Administration, as well as financing from Internet-based lenders.

“For creditworthy, high-scoring small businesses, there is money available,” says George Cloutier, CEO of American Management Services, a consultant to small businesses.

Bank loans

The best place to get a small-business loan is still a bank, says Cloutier. Banks typically offer the lowest interest rates and many have established reputations as trustworthy lenders.

“Many small businesses try three or four banks and then stop looking,” Cloutier says. A more persistent approach has better odds of success.

Calculate business loan payment

Want to calculate your small-business loan payment? Go to Bankrate’s loan and amortization calculator.

“Take out the phone book, target 10 banks and work through that list,” he says.

That strategy worked for Michael McKean. He is founder of The Knowland Group, a company that helps hotels fill up their meeting space.

A few years ago, as the success of The Knowland Group grew, McKean began searching for a bank that would give the growing company expanded access to credit.

“We talked to every bank in our area, at least a dozen,” McKean says. “Many came back with proposals, but the terms were very onerous. Or sometimes they shifted terms.”

Finally, M T Bank came through.

“They just wanted to get our business,” McKean says.

McKean says his company did not approach M T any differently than it had approached the other banks. It was just a matter of being persistent until the right deal came along, he says.

“We did everything right, approaching the right person at each bank,” he says. “We’re a profitable business. I think it was just the … credit crunch that prevented us from getting a loan.”

Cloutier says the key to success with banks is to show past profitability, and to describe a well thought-out plan for future profits.

“If you aren’t making a profit now, you must be able to tell the bank how you will change that in the short term, or you really won’t be able to get a loan,” he says.

He also recommends that businesses start small in their loan requests.

“If you need money for four trucks, ask for two,” Cloutier says. “The bigger the loan request, the harder it is to get it approved.”

SBA loans

Another way to find a bank loan is through the Small Business Administration, or SBA. The SBA can direct you to banks that offer loans guaranteed by the agency. This way, you’ll have the advantage of approaching banks specifically interested in lending to small businesses.

Interested businesses should contact the SBA office nearest to them, which can be found on the agency’s website. Jeanne Hulit, the SBA’s acting administrator, urges businesses to seek a bank that is an experienced SBA lender.

Banks granting SBA loans place increased emphasis on business plans, cash flow and profit forecasts in deciding whether to lend, she says. The SBA also can refer businesses to free counseling centers to improve their performance.

Online opportunities

Another source for loans is the Internet. There are several sites where businesses can seek alternative lenders, such as individuals and small companies.

Interest rates are generally a little higher than what a bank will charge, but it’s much less than what you’ll have to pay on many credit cards.

Look around at different sites, some may charge a one-time fee to list your business, while others are free to list but might have fees reflected in loan rates.

If you’re going to list your company on one of these sites, describe your business in clear and concise language.

Lastly, make sure to investigate the company you are looking to post your business on. These kinds of companies were successful in 2008 and during the recession, but times have changed. Many have since gone out of business. Before paying for anything, make sure the company is legit.




3 Ways to Finance Your Business, business finance loan.#Business #finance #loan


How to Finance Your Business

Businesses need financing for start-up costs or to fund expansions. Depending on your business, you have several options for raising the necessary capital. In addition to using your savings, the most common methods of financing are debt financing by obtaining a loan and equity financing by selling shares in your business. [1] However, there are other creative options, such as purchase order funding, crowdfunding, or using a credit card.

Steps Edit

Method One of Three:

Obtaining a Business Loan Edit

Business finance loan

Business finance loan

Business finance loan

Business finance loan

Business finance loan

Business finance loan

Business finance loan

Method Two of Three:

Business finance loan

Business finance loan

Business finance loan

Business finance loan

Business finance loan




3 Ways to Finance Your Business, how to finance a business.#How #to #finance #a #business


How to Finance Your Business

Businesses need financing for start-up costs or to fund expansions. Depending on your business, you have several options for raising the necessary capital. In addition to using your savings, the most common methods of financing are debt financing by obtaining a loan and equity financing by selling shares in your business. [1] However, there are other creative options, such as purchase order funding, crowdfunding, or using a credit card.

Steps Edit

Method One of Three:

Obtaining a Business Loan Edit

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

Method Two of Three:

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business




Beyond the Bank Loan: 6 Alternative Financing Methods for Startups, small business finance.#Small #business #finance


Beyond the Bank Loan: 6 Alternative Financing Methods for Startups

Many aspiring entrepreneurs have an idea for their business but lack the capital to actually start it. Brand-new businesses are often turned down for bank loans, and even if your business is established, funds can still be tough to secure. Loans funded by the Small Business Administration are usually more accessible, but they are becoming increasingly competitive.

So what options are left for someone aspiring to be a small business owner? Here are six options beyond bank loans for financing your startup.

Online lending

Online lenders have become a popular alternative to traditional business loans. These platforms have the advantage of speed, as an application takes only about an hour to complete, and the decision and accompanying funds can be issued within days. Because of the ease and quickness of online lending, economist and former U.S. Treasury Secretary Larry Summers said at the 2015 Lend It conference that he expects online lenders to eventually reach more than 70 percent of small businesses.

Editor s note: Are you considering a small business loan for your business? If you re looking for information to help you choose the one that s right for you, use the questionnaire below to have our sister site BuyerZone provide you with information from a variety of vendors for free:

Angel investors

Angel investors invest in early-stage or startup companies in exchange for a 20 to 25 percent return on their investment. They have helped to start up many prominent companies, including Google and Costco. Mark DiSalvo, CEO of private equity fund provider Semaphore said, You are likely to get an investor who has strategic experience, so they can provide tactical benefit to the company they are investing in.

Find out what makes angel investors fund a business here.

Venture capitalists

Venture capital is money that is given to help build new startups that are considered to have both high-growth and high-risk potential. Fast-growth companies with an exit strategy already in place can gain up to tens of millions of dollars that can be used to invest, network and grow their company frequently.

Brian Haughey, assistant professor of finance and director of the investment center at Marist College, said that because venture capitalists focus on specific industries, they can generally offer advice to entrepreneurs on whether the product will be successful or what they need to do to bring it to market. However, venture capitalists have a short leash when it comes to company loyalty and often look to recover their investment within a three- to five-year time window, he said.

Learn more about venture capital here.

Factoring/invoice advances

Through this process, a service provider will front you the money on invoices that have been billed out, which you then pay back once the customer has settled the bill. This way, the business can grow by providing the funds necessary to keep it going while waiting for customers to pay for outstanding invoices.

Eyal Shinar, CEO of small business cash flow management company Fundbox, says these advances allow companies to close the pay gap between billed work and payments to suppliers and contractors.

By closing the pay gap, companies can accept new projects more quickly, Shinar told Business News Daily. Our goal is to help business owners grow their businesses and hire new workers by ensuring steady cash flow.

Visit BND s guide to choosing a factoring service here.

Crowdfunding

Crowdfunding on sites such as Kickstarter and Indiegogo can give a boost to financing a small business. These sites allow businesses to pool small investments from a number of investors instead of having to look for a single investment.

Make sure to read the fine print of different crowdfunding sites before making your choice, as some sites have payment-processing fees, or require businesses to raise their full stated goal in order to keep any of the money raised.

Check out some emerging trends in crowdfunding here.

Grants

Businesses focused on science or research may be able to get grants from the government. The SBA offers grants through the Small Business Innovation Research (SBIR) and Small Business Technology Transfer (STTR) programs. Recipients of these grants are required to meet federal research-and-development goals, and have a high potential for commercialization.

Learn more about applying for a small business grant here.

Additional reporting by Katherine Arline and Nicole Taylor. Some source interviews were conducted for a previous version of this article.

Jennifer Post graduated from Rowan University in 2012 with a Bachelor s Degree in Journalism. Having worked in the food industry, print and online journalism, and marketing, she is now a freelance contributor for Business News Daily. When she s not working, you will find her exploring her current town of Cape May, NJ or binge watching Pretty Little Liars for the 700th time.




Small Business Finance – Payday Loans Online, small business finance.#Small #business #finance


small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance

Small business finance




Beyond the Bank Loan: 6 Alternative Financing Methods for Startups, finance companies.#Finance #companies


Beyond the Bank Loan: 6 Alternative Financing Methods for Startups

Many aspiring entrepreneurs have an idea for their business but lack the capital to actually start it. Brand-new businesses are often turned down for bank loans, and even if your business is established, funds can still be tough to secure. Loans funded by the Small Business Administration are usually more accessible, but they are becoming increasingly competitive.

So what options are left for someone aspiring to be a small business owner? Here are six options beyond bank loans for financing your startup.

Online lending

Online lenders have become a popular alternative to traditional business loans. These platforms have the advantage of speed, as an application takes only about an hour to complete, and the decision and accompanying funds can be issued within days. Because of the ease and quickness of online lending, economist and former U.S. Treasury Secretary Larry Summers said at the 2015 Lend It conference that he expects online lenders to eventually reach more than 70 percent of small businesses.

Editor s note: Are you considering a small business loan for your business? If you re looking for information to help you choose the one that s right for you, use the questionnaire below to have our sister site BuyerZone provide you with information from a variety of vendors for free:

Angel investors

Angel investors invest in early-stage or startup companies in exchange for a 20 to 25 percent return on their investment. They have helped to start up many prominent companies, including Google and Costco. Mark DiSalvo, CEO of private equity fund provider Semaphore said, You are likely to get an investor who has strategic experience, so they can provide tactical benefit to the company they are investing in.

Find out what makes angel investors fund a business here.

Venture capitalists

Venture capital is money that is given to help build new startups that are considered to have both high-growth and high-risk potential. Fast-growth companies with an exit strategy already in place can gain up to tens of millions of dollars that can be used to invest, network and grow their company frequently.

Brian Haughey, assistant professor of finance and director of the investment center at Marist College, said that because venture capitalists focus on specific industries, they can generally offer advice to entrepreneurs on whether the product will be successful or what they need to do to bring it to market. However, venture capitalists have a short leash when it comes to company loyalty and often look to recover their investment within a three- to five-year time window, he said.

Learn more about venture capital here.

Factoring/invoice advances

Through this process, a service provider will front you the money on invoices that have been billed out, which you then pay back once the customer has settled the bill. This way, the business can grow by providing the funds necessary to keep it going while waiting for customers to pay for outstanding invoices.

Eyal Shinar, CEO of small business cash flow management company Fundbox, says these advances allow companies to close the pay gap between billed work and payments to suppliers and contractors.

By closing the pay gap, companies can accept new projects more quickly, Shinar told Business News Daily. Our goal is to help business owners grow their businesses and hire new workers by ensuring steady cash flow.

Visit BND s guide to choosing a factoring service here.

Crowdfunding

Crowdfunding on sites such as Kickstarter and Indiegogo can give a boost to financing a small business. These sites allow businesses to pool small investments from a number of investors instead of having to look for a single investment.

Make sure to read the fine print of different crowdfunding sites before making your choice, as some sites have payment-processing fees, or require businesses to raise their full stated goal in order to keep any of the money raised.

Check out some emerging trends in crowdfunding here.

Grants

Businesses focused on science or research may be able to get grants from the government. The SBA offers grants through the Small Business Innovation Research (SBIR) and Small Business Technology Transfer (STTR) programs. Recipients of these grants are required to meet federal research-and-development goals, and have a high potential for commercialization.

Learn more about applying for a small business grant here.

Additional reporting by Katherine Arline and Nicole Taylor. Some source interviews were conducted for a previous version of this article.

Jennifer Post graduated from Rowan University in 2012 with a Bachelor s Degree in Journalism. Having worked in the food industry, print and online journalism, and marketing, she is now a freelance contributor for Business News Daily. When she s not working, you will find her exploring her current town of Cape May, NJ or binge watching Pretty Little Liars for the 700th time.




3 Ways to Finance Your Business, how to finance a business.#How #to #finance #a #business


How to Finance Your Business

Businesses need financing for start-up costs or to fund expansions. Depending on your business, you have several options for raising the necessary capital. In addition to using your savings, the most common methods of financing are debt financing by obtaining a loan and equity financing by selling shares in your business. [1] However, there are other creative options, such as purchase order funding, crowdfunding, or using a credit card.

Steps Edit

Method One of Three:

Obtaining a Business Loan Edit

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business

Method Two of Three:

How to finance a business

How to finance a business

How to finance a business

How to finance a business

How to finance a business




Business News & Financial News, Reuters, business finance.#Business #finance


Business

Business finance

Larsen & Toubro beats estimates with 27 percent jump in Q2 profit

Business finance

Asia-Pacific leaders say to fight ‘unfair trade’ in nod to Trump

Business finance

India to slash sales tax on most goods subject to highest rate

Business finance

Analysis: India plans lending reforms as bankers fear new bad debt crisis

Business finance

China shopping festival smashes record with $25 billion haul

Business finance

Top lender SBI’s results signal Indian banks’ record bad loans peaking

Business finance

Exclusive – Rupert Murdoch twice discussed CNN with AT ?>



Business & Finance, business finance.#Business #finance


Business Finance

According to WebMD, possible disadvantages of genetically modified crops include environmental hazards such as the creation of herbicide-resistant weeds, altering the nutritional content of food, resistance of crops to antibiotics, the presence of toxins and allergens and the risk of contamination between modified and unmodified crops.

  • Business finance

  • Business finance

  • Business finance

  • Business finance

  • Business finance

  • Business finance

    Careers

    • Business finance

    Q: What are some engineering jobs that start with K ?

  • Business finance

    Q: What is the role of a childminder?

  • Business finance

    Q: What is a gourmet chef?

  • Business finance

    Q: What are some stay-at-home jobs?

  • Business finance

    Q: What is the role of a school sports coordinator?

  • Business finance

    Q: What is the definition of professional behavior?

    Corporations

    • Business finance

    Q: What are the benefits of international business?

  • Business finance

    Q: What are some questions to ask in a skip-level meeting?

  • Business finance

    Q: How can I redeem Kool-Aid points?

  • Business finance

    Q: How many hamburgers does McDonald s sell in a day?

  • Business finance

    Q: Who is the president of LA Fitness?

  • Business finance

    Q: What is McDonald s annual turnover?

    Credit Lending

    • Business finance

    Q: What is pre-approval?

  • Business finance

    Q: What is a good credit score from Experian?

  • Business finance

    Q: How do you build business credit?

  • Business finance

    Q: How do you ask for financial help?

  • Business finance

    Q: What is a GMAC auto loan?

  • Business finance




  • What Is the Meaning of Business Finance, small business finance.#Small #business #finance


    What Is the Meaning of Business Finance?

    Small business finance

    Wise financial management is key to small business survival.

    Robert Kirk/Photodisc/Getty Images

    Related Articles

    • 1 [Different Functions] | What Are the Different Functions of Business Finance?
    • 2 [Role] | Role of Finance in a Business
    • 3 [Business Finance] | The Importance of Business Finance
    • 4 [Role Within Business] | Importance of Finance Its Role Within Business

    Business finance is a term that encompasses a wide range of activities and disciplines revolving around the management of money and other valuable assets. Business finance programs in universities familiarize students with accounting methodologies, investing strategies and effective debt management. Small business owners must have a solid understanding of the principles of finance to keep their companies profitable.

    Significance

    Financing, simply put, is the act of bringing money into an organization. Businesses can be financed in a number of ways, each of which features its own advantages, disadvantages and unique features. Common methods of financing a business include taking on debt and taking advantage of credit arrangements, financing through equity investment or earning income through investment products that bear interest or increase in value.

    Time Frame

    Properly managed debt can help a small business to finance steady or rapid expansion. Loans from banks and credit unions can be structured in a number of ways; borrowers with established reputations and high credit scores have access to larger amounts of debt capital at lower interest rates with more friendly fee structures. Small business owners should have a plan for building up their company’s credit score over time.

    Types

    Equity financing can be obtained via several avenues. Investment from venture capitalists or angel investors can provide a significant influx of capital, not to mention access to expert guidance, for businesses in the startup phase. More established businesses can incorporate and sell shares of stock to the public to raise large amounts of debt-free capital, at the expense of diluting ownership and control of the company among a wider range of individuals and organizations.

    Considerations

    Making wise and profitable investments can finance business operations with no strings attached. Investing in conservative products such as blue-chip bonds, interest-bearing bank deposits and trusted dividend-paying stocks can help a business to diversify its income, hedging itself against risks in the marketplace.

    Warning

    Each type of financing should be used with caution and vigilance. Taking on too much debt can dilute company performance metrics such as the debt-to-assets and times-interest-earned ratios, as well as reducing profit margins. Financing too heavily through equity can cause original company founders to lose control of the company completely over time. Investing too much money in risky investments can cause a company to lose its cash reserves quickly.




    Professional business loans to finance your future, Genfin, business finance loan.#Business #finance #loan


    business finance loan

    Business finance loan

    Business finance loan

    Business finance loan

    Business finance loan

    Business finance loan

    Business finance loan

    Business finance loan

    Business finance loan

    Business finance loan

    HOW TO GET YOUR LOAN IN 3 DAYS

    Business finance loan

    WHY GENFIN?

    Business finance loan

    A LOAN FOR ALL SEASONS

    Business finance loan

    Business finance loan

    Business finance loan

    Business finance loan

    • A trading history of more than 12 months
    • An annual turnover of more than R1million

    WHAT OUR CLIENTS SAY.

    Thank you to the Genfin team who organised and approved the short term funding we required to import coffee machines from abroad. We needed the funds within 3 working days from the date we were introduced to you and it was done! If we received the funds later, we would have lost the import special offer as well as lose on the exchange rate.

    It is always great to work with a company who stands by their commitments and deliver what was promised.

    CEO – The Coffee Co .

    Been having dealings with Britt on a transaction. I have been in the service related industry for MANY years and am truly amazed at the lengths Britt has gone to assist a referral of mine which gives me enormous comfort in referring clients of mine to Genfin.

    She is really a SUPER Star.

    Thanking you and looking forward to a long and beneficial association!

    Property Finance Specialist – Mortgage Max

    Genfin was very helpful when we approached them! We were in the process of buying new property and had a shortfall on the deposit. We needed the money within 7 days to cover this.

    A friend mentioned that I should search for companies that provide funding based on your turnover. I found Genfin online and filled out their online form. Someone got in touch with me within a short space of time. After completing the application, Genfin got back to me within 2 days to inform me that my loan has been approved and they were transferring the money to our account. My problems were solved, I paid for the property and today we are trading from it. Thanks to Genfin our business is solid and growing.

    I would like to express my deepest gratitude for the services received from GENFIN, in response to application for funding for our business. We had two days to raise sufficient funds to meet our critical month end obligations.

    Your 24hours turnaround time exceeded our expectations. Even the terms and cost of the loan is highly competitive.

    The speed of service, professionalism and efficiency received from your staff has been incredible. Your simple and straight forward processes makes the application smoother and painless.

    In addition, the compassion you demonstrated, specifically during the time of need is really great.

    Executive Director | Master HR Professional | Bayajula

    Thank you to the Genfin team for your speedy assistance. Service like this is few and far between.

    Duran David CA(SA)

    Chief Executive – Vumela Industrial Consultancy




    3 Ways to Finance Your Business, business finance loan.#Business #finance #loan


    How to Finance Your Business

    Businesses need financing for start-up costs or to fund expansions. Depending on your business, you have several options for raising the necessary capital. In addition to using your savings, the most common methods of financing are debt financing by obtaining a loan and equity financing by selling shares in your business. [1] However, there are other creative options, such as purchase order funding, crowdfunding, or using a credit card.

    Steps Edit

    Method One of Three:

    Obtaining a Business Loan Edit

    Business finance loan

    Business finance loan

    Business finance loan

    Business finance loan

    Business finance loan

    Business finance loan

    Business finance loan

    Method Two of Three:

    Business finance loan

    Business finance loan

    Business finance loan

    Business finance loan

    Business finance loan




    Business – ABC News (Australian Broadcasting Corporation), business finance loan.#Business #finance #loan


    Business

    Business finance loan

    Business finance loan

    Business finance loan

    Business finance loan

    Business finance loan

    Business finance loan

    Business finance loan

    Business finance loan

    Business finance loan

    Watch: Business News in 90 Seconds

    Why is Australia so slow at adopting electric cars?

    Business finance loan

    Genetic discrimination in life insurance threatening lives

    Business finance loan

    Why are multi-nationals like Amazon still investing here if the company tax rate is such a turn-off?

    Sheryl Crow royalties fund hits a sour note for Commonwealth Bank

    Why the tax avoidance exposed by the Paradise Papers matters

    Analysis Opinion

    Turnbull has big choices to make, but picking a favourite ally isn t one of them

    Why are multi-nationals like Amazon still investing here if the company tax rate is such a turn-off?

    Trump-Xi bromance grows but no breakthrough on North Korea or trade

    Can you make a 10-year-old whisky in weeks? Chemistry says yes

    Video

    Video 0:29 Aerial view of Grange Resources Port Latta facility, in north-west Tasmania

    Business finance loan

    Video 8:16 Home Grown: Queensland fishing family taps into ready-to-eat tuna market

    Video 13:32 China Dreams: Australia s biggest dairy tests the market for fresh milk exports to China

    Video 1:41 Business in 90 Seconds

    Video 2:58 Friday markets with Julia Lee

    Video 4:20 Privatisation speculation takes off for Virgin

    Audio

    Audio 3:35 TPP talks left in limbo after Trudeau no-show

    Business finance loan




    Finance Companies – Payday Loans Online, finance companies.#Finance #companies


    finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies

    Finance companies




    Business – BBC News, how to finance a business.#How #to #finance #a #business


    Business

    Your biggest financial decision – in charts

    How to finance a business

    Your biggest financial commitment is your home. Here is the story of the last 10 years in 10 charts.

    Related content

    Trump and Xi visions collide at summit

    The US and Chinese presidents lay out competing views for global trade at a summit in Vietnam.

    Related content

    New Star Wars trilogy raises Disney hopes

    The media giant says it has signed a deal to make three more Star Wars movies.

    Related content

    TPP talks back on despite Canada wobble

    Musical.ly lip-syncing app sold for up to $1bn

    Fed policymaker sees further rate rises

    LSE investors to vote on chairman’s fate

    Kobe blames poor controls for data breach

    Uber loses appeal against drivers’ rights

    Hummus firm revives share float plans

    Trump emissions threat to US car industry

    UK industrial output jumps in September

    Watch/Listen

    BBC World News business headlines

    Senegal’s endangered Unesco heritage site

    Tackling the toxic danger inside cars

    ‘Iron man’ flight sets first world record

    Prince Charles’s offshore investments revealed

    How does India rate the cash ban, one year on?

    Also in the News

    Twitter halts ‘broken’ verification system

    Fishy smell from Namibian tax affairs

    Features Analysis

    Dubai Airshow

    Storm clouds gather over the regions’ big airlines

    Taxing issue

    Why have governments struggled to tackle offshore money?

    Talking pants

    Can you shop for clothes online with your friends?

    Mixers and shakers

    What ingredients make the world’s greatest cocktail bar?

    Undercover consumer

    Have you got what it takes to be a secret shopper?

    Terror survivor

    ‘Don’t shut down difficult debates about extremism’.

    Our Experts

    Hammond’s intergenerational problem

    The Chancellor wants to tackle ‘intergenerational fairness’. The question is – can he afford it?

    How to finance a business

    Brexit threat to car finance

    Ford highlights the Brexit threat to its car finance arm if a passporting deal is not hammered out.

    How to finance a business

    Trump at Apec summit: America First, or the Chinese Dream?

    Donald Trump’s America First policy gives China an opportunity, says Karishma Vaswani.

    How to finance a business




    Business News & Financial News, Reuters, business finance.#Business #finance


    Business

    Business finance

    Asia-Pacific leaders say to fight ‘unfair trade’ in nod to Trump

    Business finance

    Exclusive: Rupert Murdoch twice discussed CNN with AT ?>



    Business Finance #new #businesses


    #business finance

    #

    Enterprise Performance Management (EPM) for Santa Claus Inc.

    The Christmas operations for Santa Claus, his elves, and reindeer need to adopt 21st Century methods to improve service levels to children and improve productivity given the capacity constraints in Santa’s North Pole workshop. It is now time for Santa to apply enterprise performance management (EPM) methods.

    Automating Accounts Receivable: Shorter Cycle Times, Lower Costs

    Top-performing manufacturers receive all of their receipts electronically or automatically.

    The Affordable Care Act and Your Budget

    Many companies are still not prepared for the changes imposed by the Affordable Care Act.

    The Technology Tipping Point

    One of the main challenges for CFOs will be to highlight the benefits of capitalizing on the convergence of emerging technologies.

    IT Financial Management: What vs. How

    The most important factor in a successful ITFM implementation is having a thorough understanding of what needs to be implemented before deciding on how to implement it.

    Blog Entry Feb 13, 2015

    Mining the Minds – Leverage the Workforce’s Knowledge

    Business intelligence (BI) software tools are useful but not sufficient for potentially better decision making. New technologies are surfacing that leverages the knowledge of what is arguably an organization’s most valuable asset – its own employees.

    Blog Entry Dec 2, 2014

    Enterprise Performance Management (EPM) for Santa Claus Inc.

    The Christmas operations for Santa Claus, his elves, and reindeer need to adopt 21st Century methods to improve service levels to children and improve productivity given the capacity constraints in Santa’s North Pole workshop. It is now time for Santa to apply enterprise performance management (EPM) methods.

    Article Sep 30, 2014

    Automating Accounts Receivable: Shorter Cycle Times, Lower Costs

    Top-performing manufacturers receive all of their receipts electronically or automatically.

    Article Aug 7, 2014

    The Affordable Care Act and Your Budget

    Many companies are still not prepared for the changes imposed by the Affordable Care Act.




    Better business finance – business finance support: Home #side #business #ideas


    #business finance

    #

    Are you a Creative
    business looking for
    finance?

    Use our toolkit to
    discover who can
    help you grow

    Find out more

    You re a lot more
    likely to get
    business finance
    than you think

    Find out more

    Find a business
    mentor

    Whatever stage your business is at,
    we’ve made it easier for you to find a mentor.

    Find one now

    Compare
    your bank

    See what offers are
    available for accounts,
    credit cards and overdrafts.

    See how

    Need help writing
    a business plan?

    The appeals process is monitored and scrutinised by an Independent External Reviewer Professor Russel Griggs OBE, and his team of auditors. He produces quarterly and annual report on its effectiveness as well as areas for improvement

    Independent appeals

    If your application for business finance is turned down, you can launch an appeal to have the decision reviewed. You can also appeal if you are unhappy with the conditions attached to a lending facility agreed with your bank.

    Santander Case Study – Isabella Oliver

    Online retail business Isabella Oliver is a global leader for stylish maternity fashion, selling to over 150 countries worldwide.
    Read the case study

    Help for your business

    Business Account Finder Overview

    If you’re a business, club, society or charitable organisation, the Business Account Finder helps you to find up-to date information on the UK banking market. Read more

    Find a business mentor with mentorsme.co.uk

    mentorsme.co.uk helps small and medium-sized businesses quickly and easily find a mentoring organisation that matches their requirements. Read more




    Captive Finance Company Definition #loans #for #a #business


    #finance companies

    #

    Captive Finance Company

    What is a ‘Captive Finance Company’

    A captive finance company is a subsidiary whose purpose is to provide financing to customers buying the parent company’s product. Captive finance companies can range in size from mid-sized entities to giant firms, depending on the size of the parent company. Their range of services can also vary widely, from basic card services to full-scale banking. A captive finance company can be a source of significant profits for the parent organization.

    BREAKING DOWN ‘Captive Finance Company’

    A captive finance company is usually wholly owned by the parent organization. The best-known examples of such companies are the giant subsidiaries of the “Big Three” automakers, and the store card operations of large retailers such as Wal-Mart, Target and Sears.

    Due to the size and scale of their operations, the captive finance companies of the Big Three car manufacturers: General Motors Acceptance Corporation (GMAC), Chrysler Financial and Ford Motor Credit Company – are arguably almost as well-known as their parent companies. Note that subsequent to the bankruptcy of General Motors in 2009, GMAC underwent a name change to Ally Bank and rebranded as Ally Financial in 2010.




    How to Get a Small Business Loan – Finance a Business – Wells Fargo #vista #business #cards


    #getting a small business loan

    #

    Financing a growing business

    Learn about financing options for small businesses.

    Supporting both the operation and expansion of a growing small business often requires some additional financial support. Getting a small business loan or grant can help you bridge the gap when you need to make capital investments, increase your workforce, or move to a larger space. To help you decide which type of funding might be right for you, here are a few great small business-financing options:

    Line of credit. Using a line of credit as working capital can make it easier for you to manage your cash flow as your income or expenses fluctuate. It allows you to borrow only the funds that you need giving you more control over the amount of interest you will accrue.

    Business loans. For larger investments, it may be time for a term loan. Like a mortgage or personal loan, term loans come with fixed interest rates and monthly payments over a period of years. Unlike a line of credit, a business loan will provide you with a large sum of cash upfront. These loans can be ideal for expanding your space or funding other large investments.

    Commercial loans. For established businesses that own commercial real estate, a commercial loan is another option. Like a home equity loan, a commercial loan allows you to borrow against the equity you’ve built in your business property. Depending on the value of the property and the equity you hold, this could mean more borrowing power.

    Equipment loans. If you’re specifically looking for cash to fund the purchase of new equipment – including vehicles, manufacturing or production machinery, farming equipment, or other necessary equipment – then an equipment loan or leasing program may be what you need. Like business loans, equipment loans offer fixed interest rates and payment plans over a period of time.

    SBA loans. Wells Fargo is the nation’s #1 provider (by dollar volume) of loans guaranteed by the US Small Business Administration – or SBA 7(a) loans. SBA 7(a) loans have longer repayment terms and lower down-payments than most conventional bank loans, and can be used for the purchase of owner-occupied real estate, business acquisition, equipment, or working capital. Wells Fargo also offers the SBA 504 program for larger, fixed asset purchases or construction.

    Federal or state grants. Small business grants – money that does not need to be repaid – are limited and harder to secure than loans. State and federal business grants are funded by taxpayer dollars, and the money is awarded through a complicated legislative process. For more information on how to get a small business grant, visit www.grants.gov.

    By knowing which small business financing options are available, you’ll have a better idea of where to turn when you’re ready to take your business to the next level.

    Business insights from experts

    Discover our comprehensive resource library, offering guidance and information to help you start, run and grow your business.

    Wells Fargo Works for Small Business ®




    The most powerful finance companies in America #business #names


    #finance companies

    #

    The 9 most powerful finance companies in America

    To determine the power of each company, we factored together 2014 revenue, number of employees, press mentions, and social media influence. You can read our full methodology here.

    Now we’re looking at the most powerful finance companies from our list.

    Berkshire Hathaway is the most powerful finance company in America — it ranked at No. 20 on the list, followed by Wells Fargo (No. 25) and American Express (No. 28).

    Scroll through to see the 9 most powerful finance companies in America.

    View As: One Page Slides

    9. Prudential

    Number of employees: 48,000

    More than just providing life insurance, Newark, New Jersey-based Prudential helps clients save for retirement and manage their money at every stage of life. Fortune predicts that good things are ahead for the insurance company, noting that ” the aging of the wealthy world will increase demand for insurance products .”

    Despite its 63,000 Twitter followers and 338,706 likes on Facebook, no Klout score is available for Prudential.

    8. JPMorgan Chase

    Number of employees: 240,000

    The nation’s largest bank announced that it will close 300 bank branches by 2017 as more customers rely on mobile and online banking. The closures are part of a $1.4 billion cost-cutting plan put in place earlier this year by the Midtown Manhattan-based finance giant.

    With the lowest social media influence among the Big Four banks, JPMorgan Chase has a Klout score of 68 out of 100, although the bank does command over 171,000 followers on Twitter.

    7. Goldman Sachs

    2014 revenue: $34.53 billion

    Number of employees: 34,000

    On Wall Street, few names inspire as much respect as Goldman Sachs. And the investment banking firm is on the rise — it grew profits 5% last year and recently garnered attention for backing Symphony, a secure internal chat system that has been called a “Bloomberg killer.”

    Goldman also proves its social media influence with over 400,000 followers on Twitter and more than 30,000 likes on Facebook, earning the New York-based bank a Klout score of 89.

    6. Morgan Stanley

    Number of employees: 55,795

    Morgan Stanley’s strong investment relationships with tech companies has given it a foothold in Silicon Valley. In fact, the Manhattan-based bank has worked with Netflix since 2011.

    Morgan Stanley “helped write the financial script” for the streaming service, offering notes totaling nearly $2 billion between 2014 and 2015.

    When it comes to social media influence, Morgan Stanley lands in the middle of the road with a Klout score of 87.

    5. Bank of America

    Number of employees: 220,000

    One of America’s Big Four banks, Charlotte, North Carolina-based Bank of America has carved out its place not only in commercial banking, but in wealth management.

    In 2008, Bank of America merged with Merrill Lynch, forming the world’s largest wealth-management company by assets. Bank of America launched its Preferred Rewards program in 2014 in an aim to improve customer satisfaction.

    The bank has a Klout score of 90, higher than any of its competitors.

    4. Citigroup

    2014 revenue: $76.9 billion

    Number of employees: 237,000

    Citigroup, best known for its consumer banking services, continues to grow its physical and digital presences.

    In fact, the New York City-based bank reported a 50% increase in mobile users last year, and reaches worldwide with banks across the globe in North America, Asia, Latin America, the Middle East, and Africa.

    Citigroup’s not quite as prominent on social media as some of our other companies, but it still holds strong with a 79 on Klout.

    3. American Express

    2014 revenue: $34.3 billion

    Number of employees: 53,500

    Between slowing sales and the expiration of its exclusive deal with Costco. it was a tough year for American Express. But the credit-card company still remains profitable, proving that powerful companies can take a hit and still bounce back.

    On the social media front, New York City-based Amex still commands a strong presence with over 5 million Facebook fans, 841,000 Twitter followers, and a Klout score of 89.

    2. Wells Fargo

    Number of employees: 265,800

    The largest bank in America by market capitalization was also named the most valuable bank brand in the world three years in a row by Brand Finance.

    Wells Fargo, unlike its competitors, has focused on traditional lending rather than investments, which has led to more rising profits since the financial crisis. Big investors have taken notice of the San Francisco-based bank — as of May 2015, Warren Buffett’s Berkshire Hathaway owned 470 million shares of Wells Fargo.

    It’s also somewhat influential online with a Klout score of 88, commanding 172,000 Twitter followers and over 800,000 Facebook likes.

    1. Berkshire Hathaway

    2014 revenue: $194 billion

    Number of employees: 316,000

    Berkshire Hathaway, a holding company in Omaha, Nebraska, helmed by the distinguished Warren Buffett, not only rakes in billions in revenue, but owns several other prominent companies. including Geico, Heinz, and Helzberg Diamonds. Buffett himself is also the world’s third richest man, commanding a personal fortune over $70 billion.

    Though Berkshire Hathaway doesn’t have an official Klout score, Buffett himself commands an 86 from the platform, despite only tweeting seven times so far.




    Business finance explained #free #business #plans


    #business finance loan

    #

    Business finance explained

    4. Loans

    A loan is credit, usually in the form of cash, that you borrow and repay over an agreed length of time. Banks, community development finance institutions, other businesses and even friends and family can provide businesses with loans.

    As well as repaying the amount you’ve borrowed, you normally have to pay interest on a loan. The amount will depend on:

    • how long you need the loan for
    • how much you borrow
    • whether the loan is ‘secured’ – eg if you own your home and agree to transfer ownership to the loan provider if you don’t keep up your payments
    • other factors, like the Bank of England base rate

    The interest rate may be:

    • fixed, so it won’t change for the length of the loan
    • variable, so it will change with the Bank of England base rate or the bank’s cost of borrowing

    Reasons for getting a loan

    Loans are generally suitable for:

    • paying for assets – eg vehicles or computers
    • start-up capital
    • instances where the amount of money you need won’t change

    It’s not a good idea to take out a loan for ongoing expenses – you might find it difficult to keep up repayments.

    Advantages

    • unlike overdrafts. loans are not repayable on demand – this means that you’re guaranteed the money for the whole term (generally 3 to 10 years)
    • loans can be tied to the lifetime of equipment or other assets you’re borrowing the money to pay for
    • you won’t have to give the lender a percentage of your profits or a share in your company

    Disadvantages

    • loans aren’t very flexible – eg you may have to pay charges if you repay early
    • you might struggle to meet monthly payments if your customers don’t pay you
    • if your loan is secured against your personal property or assets (eg your home) you could lose them if you don’t keep up the payments
    • the cost of repayments for variable rate loans can change, making it harder to plan your finances

    Find funding

    You can look for either:




    How to Finance a Business Acquisition #business #cards #design


    #business acquisition loan

    #

    How to Finance a Business Acquisition

    Business experts often say that it costs less to buy an existing business than to build one from the ground up. If you are an entrepreneur looking into purchasing a business, there are a few items to consider when seeking financing for the acquisition that may strengthen your viability as a loan candidate and your ability to tap into a variety of potential financing sources.

    Most lenders will want to review your business plan, and you should also determine the economic status and value of the business you re considering buying. Review the financials and consider having your banker and/or trusted financial advisor also review the numbers. Ascertain the value of the business, including any equipment, real estate, inventory and other assets.

    To increase your viability as a loan candidate, convey your industry expertise and any management know-how to your potential lender. Lenders look for candidates who exhibit strong potential for success after acquiring the business. Show lenders that the transition period will run smoothly, and consider keeping existing managers on staff to help ensure an easy transition. Seasoned employees can also help you learn the inner workings of the business and help secure extended contracts with existing customers.

    When seeking financing, consider these lending sources:

    • Family, friends or angel investors. Lenders will likely expect the buyer to provide between 20 percent and 50 percent of the capital upfront. If you do not have the initial capital to invest in the business, consider borrowing from family and/or friends. Another option may be angel investors–wealthy individuals who make equity investments in businesses at the early stages. They typically have expertise in the fields of businesses in which they invest and can also offer their resources and contacts.
    • Seller financing. Consider asking the seller if he or she can provide financing for the sale of all or some of the business. In some cases, sellers may provide a very reasonable interest rate. Some seller financing can also prompt other lenders to invest in the venture.
    • U. S. Small Business Administration. Many lenders across the country offer small-business loans guaranteed by the U.S. Small Business Administration (SBA). These loans may provide more lenient and flexible financing for qualifying borrowers.
    • Financial institutions. While the industry is still in the midst of a tight credit market, the fundamentals for loan qualification remain important. They include demonstrating positive cash flow, solid management experience, industry expertise and a strong credit report. Banking relationships are also a significant part of the equation. It is important to cultivate and maintain a relationship with your banker, keeping him/her well-informed about your business experience within a particular industry. Many banks, also have special lending programs for women-, minority- and disabled-veteran-owned businesses.

    Be prepared and stay informed when seeking financing for an acquisition. It is not unusual, especially in a tight credit market, for business owners to seek a variety of lending sources.

    The foregoing article is intended to provide general information about financing an acquisition and is not considered financial advice from Union Bank. Please consult your financial advisor.




    The most powerful finance companies in America #carpet #cleaning #business


    #finance companies

    #

    The 9 most powerful finance companies in America

    To determine the power of each company, we factored together 2014 revenue, number of employees, press mentions, and social media influence. You can read our full methodology here.

    Now we’re looking at the most powerful finance companies from our list.

    Berkshire Hathaway is the most powerful finance company in America — it ranked at No. 20 on the list, followed by Wells Fargo (No. 25) and American Express (No. 28).

    Scroll through to see the 9 most powerful finance companies in America.

    View As: One Page Slides

    9. Prudential

    Number of employees: 48,000

    More than just providing life insurance, Newark, New Jersey-based Prudential helps clients save for retirement and manage their money at every stage of life. Fortune predicts that good things are ahead for the insurance company, noting that ” the aging of the wealthy world will increase demand for insurance products .”

    Despite its 63,000 Twitter followers and 338,706 likes on Facebook, no Klout score is available for Prudential.

    8. JPMorgan Chase

    Number of employees: 240,000

    The nation’s largest bank announced that it will close 300 bank branches by 2017 as more customers rely on mobile and online banking. The closures are part of a $1.4 billion cost-cutting plan put in place earlier this year by the Midtown Manhattan-based finance giant.

    With the lowest social media influence among the Big Four banks, JPMorgan Chase has a Klout score of 68 out of 100, although the bank does command over 171,000 followers on Twitter.

    7. Goldman Sachs

    2014 revenue: $34.53 billion

    Number of employees: 34,000

    On Wall Street, few names inspire as much respect as Goldman Sachs. And the investment banking firm is on the rise — it grew profits 5% last year and recently garnered attention for backing Symphony, a secure internal chat system that has been called a “Bloomberg killer.”

    Goldman also proves its social media influence with over 400,000 followers on Twitter and more than 30,000 likes on Facebook, earning the New York-based bank a Klout score of 89.

    6. Morgan Stanley

    Number of employees: 55,795

    Morgan Stanley’s strong investment relationships with tech companies has given it a foothold in Silicon Valley. In fact, the Manhattan-based bank has worked with Netflix since 2011.

    Morgan Stanley “helped write the financial script” for the streaming service, offering notes totaling nearly $2 billion between 2014 and 2015.

    When it comes to social media influence, Morgan Stanley lands in the middle of the road with a Klout score of 87.

    5. Bank of America

    Number of employees: 220,000

    One of America’s Big Four banks, Charlotte, North Carolina-based Bank of America has carved out its place not only in commercial banking, but in wealth management.

    In 2008, Bank of America merged with Merrill Lynch, forming the world’s largest wealth-management company by assets. Bank of America launched its Preferred Rewards program in 2014 in an aim to improve customer satisfaction.

    The bank has a Klout score of 90, higher than any of its competitors.

    4. Citigroup

    2014 revenue: $76.9 billion

    Number of employees: 237,000

    Citigroup, best known for its consumer banking services, continues to grow its physical and digital presences.

    In fact, the New York City-based bank reported a 50% increase in mobile users last year, and reaches worldwide with banks across the globe in North America, Asia, Latin America, the Middle East, and Africa.

    Citigroup’s not quite as prominent on social media as some of our other companies, but it still holds strong with a 79 on Klout.

    3. American Express

    2014 revenue: $34.3 billion

    Number of employees: 53,500

    Between slowing sales and the expiration of its exclusive deal with Costco. it was a tough year for American Express. But the credit-card company still remains profitable, proving that powerful companies can take a hit and still bounce back.

    On the social media front, New York City-based Amex still commands a strong presence with over 5 million Facebook fans, 841,000 Twitter followers, and a Klout score of 89.

    2. Wells Fargo

    Number of employees: 265,800

    The largest bank in America by market capitalization was also named the most valuable bank brand in the world three years in a row by Brand Finance.

    Wells Fargo, unlike its competitors, has focused on traditional lending rather than investments, which has led to more rising profits since the financial crisis. Big investors have taken notice of the San Francisco-based bank — as of May 2015, Warren Buffett’s Berkshire Hathaway owned 470 million shares of Wells Fargo.

    It’s also somewhat influential online with a Klout score of 88, commanding 172,000 Twitter followers and over 800,000 Facebook likes.

    1. Berkshire Hathaway

    2014 revenue: $194 billion

    Number of employees: 316,000

    Berkshire Hathaway, a holding company in Omaha, Nebraska, helmed by the distinguished Warren Buffett, not only rakes in billions in revenue, but owns several other prominent companies. including Geico, Heinz, and Helzberg Diamonds. Buffett himself is also the world’s third richest man, commanding a personal fortune over $70 billion.

    Though Berkshire Hathaway doesn’t have an official Klout score, Buffett himself commands an 86 from the platform, despite only tweeting seven times so far.




    Stock Market Reporting – Complete Guide To Corporate Finance #business #credit


    #stock market report

    #

    Stock Market Reporting

    One of the primary tools for reporting stock market activity is the ticker tape. You’ve seen them on business programs or financial news networks: a flashing series of baffling letters, arrows and numbers scrolling along the bottom of your TV screen. (For a short history of the letters, read The Evolution Of Ticker Symbols and Wall Street History: Windows 1.0 And Ticker- Tape Parades .)

    While many people simply block out the ticker tape. others use it to stay on top of market sentiment and track the activity of certain stocks. But what exactly is that cryptic script reeling by? It obviously tells us something about stocks and the markets, but how does one understand the ticker tape and use it to his or her advantage?

    Brief History
    Firstly, a tick is any movement, up or down, however small, in the price of a security. Hence, a ticker tape automatically records each transaction that occurs on the exchange floor, including trading volume. onto a narrow strip of paper, or tape.

    The first ticker tape was developed in 1867, following the advent of the telegraph machine, which allowed for information to be printed in easy-to-read scripts. During the late 19 th century, most brokers who traded at the New York Stock Exchange (NYSE) kept an office near it to ensure they were getting a steady supply of the tape and thus the most recent transaction figures of stocks. These latest quotes were delivered by messengers, or “pad shovers,” who ran a circuit between the trading floor and brokers’ offices. The shorter the distance between the trading floor and the brokerage, the more up-to-date the quotes were.

    Ticker-tape machines introduced in 1930 and 1964 were twice as fast as their predecessors, but they still had about a 15-20 minute delay between the time of a transaction and the time it was recorded. It wasn’t until 1996 that a real-time electronic ticker was launched. It is these up-to-the-minute transaction figures – namely price and volume – that we see today on TV news shows, financial wires and websites. And while the actual tape has been done away with, it has retained the name. (See How Has The Stock Market C hanged? to learn more about the evolution of trading.)

    Due to the nature of the markets, investors from all corners of the globe are trading a variety of stocks in different lots and blocks at any given time. Therefore what you see one minute on a ticker could change the next, particularly for those stocks with high trading volume, and it could be some time before you see your ticker symbol appear again with the latest trading activity.

    Reading the Ticker Tape
    Here’s an example of a quote shown on a typical ticker tape:

    Throughout the trading day, these quotes will continually scroll across the screen of financial channels or wires, showing current, or slightly delayed, data. In most cases the ticker will quote only stocks of one exchange, but it is common to see the numbers of two exchanges scrolling across the screen.

    You can tell where a stock trades by looking at the number of letters in the stock symbol. If the symbol has three letters, the stock likely trades on the NYSE or American Stock Exchange (AMEX). A four-letter symbol indicates the stock likely trades on the Nasdaq. Some Nasdaq stocks have five letters, which usually means the stock is foreign. This is designated by an ‘F’ or ‘Y’ at the end of the stock symbol. To learn more, see Why do some stock symbols have three letters while others have four?

    On many tickers, colors are also used to indicate how the stock is trading. Here is the color scheme most TV networks use:

    Green indicates the stock is trading higher than the previous day\’s close.
    Red indicates the stock is trading lower than the previous day\’s close.
    Blue or white means the stock is unchanged from the previous closing price.

    Before 2001, stocks were quoted as a fraction, but with the emergence of decimalization all stocks on the NYSE and Nasdaq trade as decimals. The advantage to investors and traders is that decimalization allows investors to enter orders to the penny (as opposed to fractions like 1/16).

    Which Quotes Get Priority?
    There are literally millions of trades executed on more than 10,000 different stocks each and every day. As you can imagine, it’s impossible to report every single trade on the ticker tape. Quotes are selected according to several factors, including the stocks’ volume, price change, how widely they are held and if there is significant news surrounding the companies.

    For example, a stock that trades 10 million shares a day will appear more times on the ticker tape than a small stock that trades 50,000 shares a day. Or if a smaller company not usually featured on the ticker has some ground-breaking news, it will likely be added to the ticker. The only times the quotes are shown in predetermined order are before the trading day starts and after it has finished. At those times, the ticker simply displays the last quote for all stocks in alphabetical order.

    Constantly watching a ticker tape is not the best way to stay informed about the markets, but many believe it can provide some insight. Tick indicators are used to easily identify those stocks whose last trade was either an uptick or a downtick. This is used as an indicator of market sentiment for determining the market’s trend.

    So next time you’re watching TV or surfing a website with a ticker, you’ll understand what all those numbers and symbols scrolling across your screen really mean. Just remember that it can be near impossible to see the exact price and volume at the precise moment it is being traded. Think of a ticker tape as providing you with a general picture of a stock’s “current” activity.

    Stock tables are another source of stock market reporting. Open any financial paper and you will see stock quotes that look something like the image below. In this section, we’ll explain how to make sense of these tables so that you can use the information to your advantage.

    Let’s take a look at the stock/quotes table:

    Columns 1 2: 52-Week High and Low. These are the highest and lowest prices at which a stock has traded over the past 52 weeks (one year). This typically does not include the previous day’s trading.

    Column 3: Company Name and Type of Stock. This column lists the name of the company. If there are no special symbols or letters following the name, it is common stoc k. Different symbols imply different classes of shares. For example, “pf” means the shares are preferred stock.

    Column 4: Ticker Symbol. This is the unique alphabetic name which identifies the stock. If you watch financial TV, the ticker tape will quote the latest prices alongside this symbol. If you are looking for stock quotes online, you always search for a company by the ticker symbol. If you don’t know a particular company’s ticker symbol, you can search for it at sites like Investopedia.

    Column 5: Dividend Per Share. This indicates the annual dividend payment per share. If this space is blank, the company does not currently pay out dividends.

    Column 6: Dividend Yield . This is the percentage return on the dividend. Dividend yield is calculated as annual dividends per share divided by price per share.

    Column 7: Price/Earnings Ratio (P/E ratio). This is calculated by dividing the current stock price by earnings per share from the last four quarters. (For more on how to interpret this, see Understand The P/E Ratio .)

    Column 8: Trading Volume . This figure shows the total number of shares traded for the day, listed in hundreds. To get the actual number traded, add two zeros to the end of the number listed.

    Column 9 10: Day High and Low. This indicates the price range in which the stock has traded throughout the day. In other words, these are the maximum and the minimum prices that people have paid for the stock.

    Column 11: Close. The close is the last trading price recorded when the market closed on the day. If the closing price is more than 5% above or below the previous day’s close, the entire listing for that stock is bold-faced. Keep in mind, you are not guaranteed to get this price if you buy the stock the next day because the price is constantly changing, even after the exchange is closed for the day. The close is merely an indicator of past performance and, except in extreme circumstances, it serves as a ballpark of what you should expect to pay.

    Column 12: Net Change.
    This is the dollar value change in the stock price from the previous day’s closing price. When you hear about a stock being “up for the day,” it means the net change was positive.

    Quotes on the Internet
    Nowadays, it’s far more convenient for most people to get stock quotes off the internet. This method is superior because most sites update throughout the day and give you more information, news, charting and research.




    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 |
    a data-track-gtm Byline href about-author.htm roos Dave Roos a 10 Ways to Finance a New Business 5 May 2009. br HowStuffWorks.com. lt http money.howstuffworks.com 10-ways-to-finance-new-business.htm gt 3 September 2016″ href=”#”>Citation Date




    Business grants, loans and finance – Warwickshire County Council #business #plan #samples


    #business funding

    #

    Business grants, loans and finance

    Warwickshire County Council Growth Fund

    Small Grants
    The budget for Small Capital Grants 2015/16 has now been fully allocated. Further opportunities will be available in 2016/2017.

    Growth Fund Loans
    Coventry and Warwickshire Re-Investment Trust are delivering the small loans to business programme. Loans of between £1000 to £50,000 are available. Please contact CWRT to learn more and apply for a loan.

    Coventry and Warwickshire Local Enterprise Partnership Funding

    The Coventry and Warwickshire Local Enterprise Partnership offers a comprehensive package of grants and loans to businesses. The CWLEP and WCC are also able to help you access other regional or national programmes.

    Local businesses with investment proposals are invited to complete an expression of interest form. The CWLEP and its partners will then work with you to identify the best fit. This could be one of the CWLEP’s funds or it might be a programme delivered regionally or nationally. Regardless, you will be guided through the process and, if your proposal is suitable, you will be helped to complete an application form.

    For more information about the process, see the CWLEP web site. Alternatively, contact the Economy skills Team for more information or advice.

    CWLEP Funding Programmes

    Warwickshire Rural Growth NetworkThis programme is now closed

    Warwickshire is one of just five Rural Growth Network (RGN ) pilots in the country. We offer a flexible package of advice and support to rural businesses in any sector and people looking to start their own business. For more information, about what the programme achieved see the RGN web site .

    Coventry and Warwickshire Business Support Programme

    The Coventry and Warwickshire Business Support Programme offers two types of capital grants:

    • Small Capital – From £1,000 up to £10,000 for new start-up businesses or for small and medium sized businesses looking to grow.
    • Large Capital Access to Finance Up to £50,000 for small and medium sized businesses operating in one of the CW-LEP priority sectors.

    Grants are available at different intervention rates (up to 10%, 20% or 30%) depending on the size and location of the business. Grants can help with investments in buildings/ premises and machinery or equipment.

    The Coventry and Warwickshire Business Growth Package is funded by the European Regional Development Fund, Coventry City Council, and Warwickshire County Council.

    North Warwickshire, Hinkley Bosworth LEADER Programme

    England s Rural Heart

    The LEADER Programme can allocate money to local businesses, groups or organisations to help them carry out projects which create jobs, help businesses to grow and which benefit the rural economy in North Warwickshire, Hinkley Bosworth.

    For more information please visit the North Warwickshire website

    Business grants, loans and finance was last updated on August 2, 2016.

    Contact details




    Business Finance #import #export #business


    #business finance

    #

    Enterprise Performance Management (EPM) for Santa Claus Inc.

    The Christmas operations for Santa Claus, his elves, and reindeer need to adopt 21st Century methods to improve service levels to children and improve productivity given the capacity constraints in Santa’s North Pole workshop. It is now time for Santa to apply enterprise performance management (EPM) methods.

    Automating Accounts Receivable: Shorter Cycle Times, Lower Costs

    Top-performing manufacturers receive all of their receipts electronically or automatically.

    The Affordable Care Act and Your Budget

    Many companies are still not prepared for the changes imposed by the Affordable Care Act.

    The Technology Tipping Point

    One of the main challenges for CFOs will be to highlight the benefits of capitalizing on the convergence of emerging technologies.

    IT Financial Management: What vs. How

    The most important factor in a successful ITFM implementation is having a thorough understanding of what needs to be implemented before deciding on how to implement it.

    Blog Entry Feb 13, 2015

    Mining the Minds – Leverage the Workforce’s Knowledge

    Business intelligence (BI) software tools are useful but not sufficient for potentially better decision making. New technologies are surfacing that leverages the knowledge of what is arguably an organization’s most valuable asset – its own employees.

    Blog Entry Dec 2, 2014

    Enterprise Performance Management (EPM) for Santa Claus Inc.

    The Christmas operations for Santa Claus, his elves, and reindeer need to adopt 21st Century methods to improve service levels to children and improve productivity given the capacity constraints in Santa’s North Pole workshop. It is now time for Santa to apply enterprise performance management (EPM) methods.

    Article Sep 30, 2014

    Automating Accounts Receivable: Shorter Cycle Times, Lower Costs

    Top-performing manufacturers receive all of their receipts electronically or automatically.

    Article Aug 7, 2014

    The Affordable Care Act and Your Budget

    Many companies are still not prepared for the changes imposed by the Affordable Care Act.




    Loans and Finance #business #loan #calculator


    #business loans

    #

    LOANS FINANCE

    Commercial Mortgage

    • Apply for a minimum of 25,001 and choose a loan term from three to 25 years.
    • Borrow up to 70% of the property value. In some cases we can lend more.
    • Choose between a bank rate linked or fixed interest rate.
    • Capital repayment holidays of up to two years may be available on bank rate linked mortgages.
    • If you wish to borrow on other terms we may still be able to help you.

    Residential Buy-to-let Mortgage

    • Mortgages start from 25,001.
    • Choose a mortgage term from three to 25 years.
    • Borrow up to 70% of the property value and in some cases we can lend more.
    • Bank rate linked and fixed rates available.
    • A capital repayment holiday may be available for up to 12 months (to be taken at the start of the loan).

    1 8 out of 10 relates to loans and overdrafts in the period November 2013 to March 2016 .

    2 There is always a possibility that interest rates may go down leaving a fixed rate loan at a higher level compared to a variable rate loan. However, if interest rates rise, a fixed rate loan will remain at the same level.

    3 Capital repayment holidays available in certain circumstances only.

    Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

    Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Telephone: 020 7626 1500.

    Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

    We subscribe to The Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk .

    Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.




    The Financial Express – Business News, Industry, Personal Finance, Stock Market News #ideas #for #new #business


    #stock market news today

    #

    The Railways need to evaluate whether it should continue to have 125 hospitals, 600 polyclinics and 100 schools directly under its wing, he said.

    Outgoing RBI Governor Raghuram Rajan today rejected the idea of the government taking a special dividend from the central bank for recapitalisation of public sector lenders, saying there is no free lunch .

    India and Vietnam today called for a reform of the UN and an expansion of the Security Council in both the permanent and non-permanent categories of membership, with enhanced representation from developing countries.

    Country s largest two-wheeler maker Hero MotoCorp plans to launch 15 new products in domestic as well as international markets this fiscal, a top company official said today.

    Find the Jeep pricing absurd? Here s the reason and why it isn t necessarily bad

    New Jaguar sets record as fastest selling car for Tata Jaguar Land Rover

    Stable regulatory framework important for investment in auto sector

    The system, which would utilise the same machine learning technology used in Microsoft s artificial intelligence (AI) assistant Cortana, is designed to have a long lifecycle.

    Samsung announces swap for Galaxy Note 7 with Galaxy S7 variants

    Xiaomi Mi Max: Phablet with long-lasting battery for heavy users

    From UrbanClap to OTJ247, take to tech to slay the chores and really enjoy the festive season

    Odisha Chief Minister Naveen Patnaik today launched the Biju Kanya Ratna Yojana (BKRY) and inaugurated 1,000 anganwadi buildings here as part of the celebration marking birth centenary of legendary Biju Patnaik.

    The extraordinary life of Mother Teresa, who worked relentlessly for the upliftment of the destitute and who will be declared a saint by the Roman Catholic Church, must be brought alive on the silver screen, says India s acclaimed veteran filmmaker Shyam Benegal.




    Business Finance #catering #business


    #business finance

    #

    Enterprise Performance Management (EPM) for Santa Claus Inc.

    The Christmas operations for Santa Claus, his elves, and reindeer need to adopt 21st Century methods to improve service levels to children and improve productivity given the capacity constraints in Santa’s North Pole workshop. It is now time for Santa to apply enterprise performance management (EPM) methods.

    Automating Accounts Receivable: Shorter Cycle Times, Lower Costs

    Top-performing manufacturers receive all of their receipts electronically or automatically.

    The Affordable Care Act and Your Budget

    Many companies are still not prepared for the changes imposed by the Affordable Care Act.

    The Technology Tipping Point

    One of the main challenges for CFOs will be to highlight the benefits of capitalizing on the convergence of emerging technologies.

    IT Financial Management: What vs. How

    The most important factor in a successful ITFM implementation is having a thorough understanding of what needs to be implemented before deciding on how to implement it.

    Blog Entry Feb 13, 2015

    Mining the Minds – Leverage the Workforce’s Knowledge

    Business intelligence (BI) software tools are useful but not sufficient for potentially better decision making. New technologies are surfacing that leverages the knowledge of what is arguably an organization’s most valuable asset – its own employees.

    Blog Entry Dec 2, 2014

    Enterprise Performance Management (EPM) for Santa Claus Inc.

    The Christmas operations for Santa Claus, his elves, and reindeer need to adopt 21st Century methods to improve service levels to children and improve productivity given the capacity constraints in Santa’s North Pole workshop. It is now time for Santa to apply enterprise performance management (EPM) methods.

    Article Sep 30, 2014

    Automating Accounts Receivable: Shorter Cycle Times, Lower Costs

    Top-performing manufacturers receive all of their receipts electronically or automatically.

    Article Aug 7, 2014

    The Affordable Care Act and Your Budget

    Many companies are still not prepared for the changes imposed by the Affordable Care Act.




    Stock Market Reporting – Complete Guide To Corporate Finance #online #business #opportunities


    #stock market report

    #

    Stock Market Reporting

    One of the primary tools for reporting stock market activity is the ticker tape. You’ve seen them on business programs or financial news networks: a flashing series of baffling letters, arrows and numbers scrolling along the bottom of your TV screen. (For a short history of the letters, read The Evolution Of Ticker Symbols and Wall Street History: Windows 1.0 And Ticker- Tape Parades .)

    While many people simply block out the ticker tape. others use it to stay on top of market sentiment and track the activity of certain stocks. But what exactly is that cryptic script reeling by? It obviously tells us something about stocks and the markets, but how does one understand the ticker tape and use it to his or her advantage?

    Brief History
    Firstly, a tick is any movement, up or down, however small, in the price of a security. Hence, a ticker tape automatically records each transaction that occurs on the exchange floor, including trading volume. onto a narrow strip of paper, or tape.

    The first ticker tape was developed in 1867, following the advent of the telegraph machine, which allowed for information to be printed in easy-to-read scripts. During the late 19 th century, most brokers who traded at the New York Stock Exchange (NYSE) kept an office near it to ensure they were getting a steady supply of the tape and thus the most recent transaction figures of stocks. These latest quotes were delivered by messengers, or “pad shovers,” who ran a circuit between the trading floor and brokers’ offices. The shorter the distance between the trading floor and the brokerage, the more up-to-date the quotes were.

    Ticker-tape machines introduced in 1930 and 1964 were twice as fast as their predecessors, but they still had about a 15-20 minute delay between the time of a transaction and the time it was recorded. It wasn’t until 1996 that a real-time electronic ticker was launched. It is these up-to-the-minute transaction figures – namely price and volume – that we see today on TV news shows, financial wires and websites. And while the actual tape has been done away with, it has retained the name. (See How Has The Stock Market C hanged? to learn more about the evolution of trading.)

    Due to the nature of the markets, investors from all corners of the globe are trading a variety of stocks in different lots and blocks at any given time. Therefore what you see one minute on a ticker could change the next, particularly for those stocks with high trading volume, and it could be some time before you see your ticker symbol appear again with the latest trading activity.

    Reading the Ticker Tape
    Here’s an example of a quote shown on a typical ticker tape:

    Throughout the trading day, these quotes will continually scroll across the screen of financial channels or wires, showing current, or slightly delayed, data. In most cases the ticker will quote only stocks of one exchange, but it is common to see the numbers of two exchanges scrolling across the screen.

    You can tell where a stock trades by looking at the number of letters in the stock symbol. If the symbol has three letters, the stock likely trades on the NYSE or American Stock Exchange (AMEX). A four-letter symbol indicates the stock likely trades on the Nasdaq. Some Nasdaq stocks have five letters, which usually means the stock is foreign. This is designated by an ‘F’ or ‘Y’ at the end of the stock symbol. To learn more, see Why do some stock symbols have three letters while others have four?

    On many tickers, colors are also used to indicate how the stock is trading. Here is the color scheme most TV networks use:

    Green indicates the stock is trading higher than the previous day\’s close.
    Red indicates the stock is trading lower than the previous day\’s close.
    Blue or white means the stock is unchanged from the previous closing price.

    Before 2001, stocks were quoted as a fraction, but with the emergence of decimalization all stocks on the NYSE and Nasdaq trade as decimals. The advantage to investors and traders is that decimalization allows investors to enter orders to the penny (as opposed to fractions like 1/16).

    Which Quotes Get Priority?
    There are literally millions of trades executed on more than 10,000 different stocks each and every day. As you can imagine, it’s impossible to report every single trade on the ticker tape. Quotes are selected according to several factors, including the stocks’ volume, price change, how widely they are held and if there is significant news surrounding the companies.

    For example, a stock that trades 10 million shares a day will appear more times on the ticker tape than a small stock that trades 50,000 shares a day. Or if a smaller company not usually featured on the ticker has some ground-breaking news, it will likely be added to the ticker. The only times the quotes are shown in predetermined order are before the trading day starts and after it has finished. At those times, the ticker simply displays the last quote for all stocks in alphabetical order.

    Constantly watching a ticker tape is not the best way to stay informed about the markets, but many believe it can provide some insight. Tick indicators are used to easily identify those stocks whose last trade was either an uptick or a downtick. This is used as an indicator of market sentiment for determining the market’s trend.

    So next time you’re watching TV or surfing a website with a ticker, you’ll understand what all those numbers and symbols scrolling across your screen really mean. Just remember that it can be near impossible to see the exact price and volume at the precise moment it is being traded. Think of a ticker tape as providing you with a general picture of a stock’s “current” activity.

    Stock tables are another source of stock market reporting. Open any financial paper and you will see stock quotes that look something like the image below. In this section, we’ll explain how to make sense of these tables so that you can use the information to your advantage.

    Let’s take a look at the stock/quotes table:

    Columns 1 2: 52-Week High and Low. These are the highest and lowest prices at which a stock has traded over the past 52 weeks (one year). This typically does not include the previous day’s trading.

    Column 3: Company Name and Type of Stock. This column lists the name of the company. If there are no special symbols or letters following the name, it is common stoc k. Different symbols imply different classes of shares. For example, “pf” means the shares are preferred stock.

    Column 4: Ticker Symbol. This is the unique alphabetic name which identifies the stock. If you watch financial TV, the ticker tape will quote the latest prices alongside this symbol. If you are looking for stock quotes online, you always search for a company by the ticker symbol. If you don’t know a particular company’s ticker symbol, you can search for it at sites like Investopedia.

    Column 5: Dividend Per Share. This indicates the annual dividend payment per share. If this space is blank, the company does not currently pay out dividends.

    Column 6: Dividend Yield . This is the percentage return on the dividend. Dividend yield is calculated as annual dividends per share divided by price per share.

    Column 7: Price/Earnings Ratio (P/E ratio). This is calculated by dividing the current stock price by earnings per share from the last four quarters. (For more on how to interpret this, see Understand The P/E Ratio .)

    Column 8: Trading Volume . This figure shows the total number of shares traded for the day, listed in hundreds. To get the actual number traded, add two zeros to the end of the number listed.

    Column 9 10: Day High and Low. This indicates the price range in which the stock has traded throughout the day. In other words, these are the maximum and the minimum prices that people have paid for the stock.

    Column 11: Close. The close is the last trading price recorded when the market closed on the day. If the closing price is more than 5% above or below the previous day’s close, the entire listing for that stock is bold-faced. Keep in mind, you are not guaranteed to get this price if you buy the stock the next day because the price is constantly changing, even after the exchange is closed for the day. The close is merely an indicator of past performance and, except in extreme circumstances, it serves as a ballpark of what you should expect to pay.

    Column 12: Net Change.
    This is the dollar value change in the stock price from the previous day’s closing price. When you hear about a stock being “up for the day,” it means the net change was positive.

    Quotes on the Internet
    Nowadays, it’s far more convenient for most people to get stock quotes off the internet. This method is superior because most sites update throughout the day and give you more information, news, charting and research.




    DSL Business Finance #stock #market #results


    #business loan calculator

    #

    Loan calculator

    About us

    DSL Business Finance is a not for profit lender pledging funds to ambitious small to medium sized businesses throughout Scotland.

    Amongst others, our multi-purpose loans are accessible to:

    • Entrepreneurs in the Highlands to expanding businesses in the Scottish Borders
    • Business start-ups in Edinburgh to Social Enterprises in Glasgow
    • Marketing growth programmes inspiring the widest social impact on Scotland s economy
    • Or businesses needing short-term help to cover day-to-day operations

    Since 1993, through over 8 million of loan funding, DSL Business Finance has helped over 800 businesses safeguard over 1200 jobs.

    Useful links

    Legal information

    DSL Business Finance, Moorpark Court, 5 Dava Street, Govan, Glasgow G51 2JA. Registered in Scotland, no 145739. Regulated by the Financial Conduct Authority.

    Tel 0141 425 2930




    How to Finance a Franchise Purchase – Small Business #business #lending


    #how to finance a business

    #

    How to Finance a Franchise Purchase

    Tips

    • Be prepared to put down about 20% of the cash you will need from personal funds.
    • If conventional lenders turn you down, look into an SBA-backed loan.
    • Consider tax implications if you’re considering tapping a retirement plan.
    • Related How-Tos

      Feedback

      Commercial banks fund many franchises, so look to these lenders first. The single most important issue in landing bank financing is your credit rating. You will need to present a complete loan package including a personal financial statement, copies of personal tax returns for three years, and verification of the source of your down payment.

      Bankers favor businesses with brand names and long track records of consistent cash flow, so your choice of a franchise system can help or hurt you. Ventures with few locations are less attractive, in part because they lack proof that they can do well in all types of areas or economic climates.

      Bank loans unsecured by collateral are relatively rare, even for those with good credit. In addition to securing a loan with a mortgage on your home or other asset, be ready to be asked to put your own money into the deal, typically about 20% of the amount needed. Even with healthy businesses and solid collateral, most bank loans to new franchisees occur when a borrower has established relationships with a banker, or has previous experience, or is a figure in the community. If that’s not you, consider a loan backed by the U.S. Small Business Administration (SBA).

      SBA loans are partially guaranteed by the government, making them less risky. The standard SBA loan for franchisees is known as the 7(a), which is issued by a bank or other qualified lender, and partly guaranteed against default by the government. Because of that backing, such loans are seen as relatively low-risk.

      SBA loans of five- to six-year maturities can provide short-term working capital and equipment. Real-estate loans can run for 20 years or more. About 10% of all SBA loans go to franchisees, with the size running between $250,000 and $500,000, and maximum of $2 million. Most of that money is for franchise entry fees, improvements or working capital. Borrowers must be creditworthy, typically must contribute some equity, and are expected to repay the SBA loan out of the franchise s cash flow.

      Many SBA loans carry fluctuating interest rates. While the actual rate is negotiated between the bank and the borrower, it s subject to SBA maximums, which are tied to the prime rate. While a low rate may be attractive initially, make sure you can generate enough business to cover the payments if the rate rises.

      Another government lending program involves the Department of Veterans Affairs. The program, called Patriot Express because of its relatively fast approval time, makes loans up to $500,000 to active-duty military preparing to transition to civilian life, as well as to spouses and survivors of veterans. The loans come with the SBA s lowest rates.

      A few franchisers offer internal financing. For example, a company may defer a portion of the initial franchisee fee, essentially financing the deal. Interest rates are likely to seem high compared to other options. However, you may not have to put up collateral.

      Sometimes it makes sense to tap 401(k), Individual Retirement Account or other retirement funds rather than seek a loan. But rather than just taking an early withdrawal, which may be subject to taxation, you may want to consider setting up a C corporation that will own and operate the business. Then roll over money from your self-directed retirement account into that corporation s profit-sharing plan and direct that those funds be invested into the franchised business. But this is a risky option: If the franchise fails, your retirement fund can be wiped out. Check with a professional on possible tax implications, and consider the tradeoffs carefully.

      Related WSJ Articles and Blog Posts:

      Online Tools:

      • Franchise Opportunities Directory — A database of more than 1,200 franchise systems, searchable by industry, keyword, start-up cash, investment and other criteria, from the International Franchise Association.
      • The Franchise Registry — A searchable database of franchises whose Small Business Administration (SBA) loan applications receive a streamlined review, from franchise information and analysis provider FRANData and the SBA.
      • VetFran Directory, from the International Franchising Association — A list of more than 250 franchise companies offering financial incentives to veterans who have been honorably discharged.

    Additional Resources:

    • Finance Start-Up Guide — A list of links to information about small-business funding, from the Small Business Administration (SBA).
    • SBA’s 7(a) Loan Program Overview — An introduction to the most-used type of loan of the SBA’s business-loan programs.



    Small Business Investors – Funding – Finance for UK Businesses #small #business #crm


    #small business investors

    #

    Funding for Small Businesses

    Where does someone look for funding if they are a small business? Business loans are only possible if the company has been in business for some time, but most young businesses are looking to expand and so they need other options to raise business capital.

    Government grants are another possibility. However, the process of obtaining funding this way is notoriously difficult. The UK government has claimed that this is a sort to test to see how much they need the funding, but the reality is that it is regulated by EU legislation. On the other hand, the EU itself does not fund anything beyond public sector ventures.

    There are also sites that offer local grants to small businesses around the UK, including local councils and large companies such as BT and O2, but the latter are usually competitions. Sites such as Business Zone UK list various business grants and awards available to UK entrepreneurs, but the number of proposals and funding amounts are usually quite limited.

    More common options for business funding are Angel Investors and Venture Capitalists, both of which will invest significantly higher amounts in your start-up or small business. However, both Angel Investors and Venture Capitalists will want some control of your business and guarantees of a good return on investment in exchange for their money. But at the same time, they offer the experience which could be that factor which allows your business to succeed in the first place.

    Remember, the investor is looking to make money just as you are, and so it will be a venture that both sides enter together as a partnership. This means that anyone who invests in a small business will do everything possible to ensure that they are making a sound investment. They will check your business plans thoroughly, and make sure that they themselves believe in your business idea and future plans.

    Finding funding for your small business or start-up can take a long time, but the Angel Investment Network can help you make vital contacts with experienced angel investors who are looking to make an investment.

    Recent Proposals

    500,000 Req 10,000 Min

    Live life, free. VolunteerAnything.com is a technical solution to Everyday Poverty and with investment we will change the world.

    150,000 Req 80,000 Min

    A****** is an innovative menu display touch screen project that supports menu allergen display at food serving premises in order to comply with FIC law.

    100,000 Req 5,000 Min

    Our team (experienced) will sell all products on Installments (Leasing) to enhance the buying power of Public as well as will earn 36% on every sale in one year.

    20,000 Req 10,000 Min

    Got contacts from my last position so ready to hit the ground running.

    200,000 Req 25,000 Min

    I am acquiring an established, proven business who’s existing owner is retiring. I need short-term cash (3 years) to restructure the business, generating significant returns.

    3,000,000 Req 100,000 Min

    Algaesys Ltd is a process contractor delivering our new proven algae-based treatment for small municipal wastewater. The process is driven by the sun, not electricity.




    10 Tips For Selling Your Gold for Cash – ABC News #gold, #party, #selling, #tips, #warning, #better #business #bureau, #business #news, #financial #news, #economy #news, #personal #finance, #money #news


    #

    Sections

    Shows

    Yahoo!-ABC News Network | 2017 ABC News Internet Ventures. All rights reserved.

    10 Tips For Selling Your Gold for Cash

    In today’s swerving economy, stocks are out, and gold is in.

    The price of gold is up 20 percent since the beginning of 2011, and by mid-August gold was going for over $1,700 per ounce. At times on Monday, its spot price hovered near $1,900 per ounce.

    So how do you cash in?

    If you’re like thousands of Americans, you go to a gold party, the hottest trend on the block, where you can have your jewelry appraised and get paid cash on the spot.

    But not so fast.

    With every good deal comes a case of buyer’s and, in this case, seller’s beware, a reminder that consumers should do their homework before selling their jewelry at gold parties or in a local jewelry store.

    The Better Business Bureau (BBB) advises consumers that while gold parties may be a fun and convenient way to make some cash, they may not provide you the best deal.

    Follow these tips from BBB to make sure you’re getting the best value for your gold.

    1: Understand the Scales

    The weight of gold helps determine its value, but keep in mind that jewelers use a different measurement standard called a Troy ounce. U.S. scales will measure 28 grams per ounce, while gold is measured at 31.1 grams per Troy ounce. Some dealers may also use a system of weights called pennyweight (dwt) to measure a Troy ounce, while others will use grams. A pennyweight is the equivalent of 1.555 grams. Be alert that a dealer does not weigh your gold by pennyweight but pay you by the gram, a sneaky way for the dealer to pay you less for more weight of gold.

    2: Know Your Karats text: Pure gold is too soft to be practically used so it is combined with other metals to create durability and color. The Federal Trade Commission (FTC) requires that all jewelry sold in the U.S. describe a karat fineness of the alloy. One karat equals 1/24 of pure gold by weight. So 14 karats would mean the jewelry was 14 parts gold and 10 parts other metals. It is illegal for jewelry to be labeled “gold jewelry” if it is less than 10 karats. It is important to know the karats of your gold to make an informed decision on the scrap value of your jewelry.

    3: Keep Your Karats Separate

    Don’t let jewelry of different karat value be weighed together. Some dealers will weigh all jewelry together and pay you for the lowest karat value. Separate your jewelry by karat value before attending a gold party.

    Call a local jewelry store or check with an online source, such as www.goldprice.org. to verify the current market price for gold before you sell. Some dealers know people are just looking for quick cash to put in their pockets and will offer you money for your gold that is lower than the actual value.

    Check out jewelry stores and gold buyers registered with BBB at www.bbb.org. A BBB Business Review tells basic information about the business as well as any complaints and whether the complaints have been resolved when presented to the business by BBB.

    6: Know What You Are Selling

    Some gold items may be worth more when sold as they are, rather than if they are melted down. If your gold necklace or bracelet comes from a well-known designer or maker, it may have a value to some buyers beyond the gold it’s made of.

    7: Know the Fine Print

    If you choose to use a mail-away service, make sure you understand the terms and conditions. Send the items insured. Find out how long before you get reimbursed, how long they will keep your gold before melting it down, and how many days you have to turn down the offer. Take photos of your items before sending and make sure you hold on to all relevant paperwork and filings.

    Remember, you don’t have to jump at the first offer for your gold. Shop around for a few different bids. To ensure you are really getting the best price for your jewelry, have it appraised before selling. This may cost you more up front, but your jewelry may be worth more than its weight when you include workmanship, artistic value, and embedded gems for the piece as a whole.

    Keep in mind that gold parties, often hosted by friends and neighbors, are really more about fun than value. Taking all factors into consideration, sellers at gold parties will likely get between 70 and 80 percent of the real value of their item.

    Gold buyers are required by law to ask sellers for government-issued identification, This requirement is designed to protect consumers by helping police investigate the sale of stolen property and prevent money laundering. All reputable gold buyers comply with these rules, so ifyou don’t get asked to show your I.D. be warned.




    Pedro Cassiano Santos, Partners, Team, Who We Are – Vieira de Almeida, Law Firm, Lisbon, Portugal, Angola, Brazil, Mozambique #who #we #are, #team, #partners, #pedro #cassiano #santos, #vieira #de #almeida, #vda, #law, #law #offices, #lawyers, #law #firm, #consultancy, #international #law, #portugal, #lisbon, #angola, #mozambique, #oil #gas #vieira #de #almeida, #vda, #law, #lawyers, #attorney, #law #firm, #consulting, #consultants, #international #law, #legal, #law #firm, #law #firm, #harbor, #lisbon, #portugal, #algarve, #portugal, #angola, #mozambique, #brazil, #law, #laws, #legal, #top #company, #legal #500 #portugal, #portugal #iflr, #chambers #europe #award #portugal, #best #lawyers #portugal, #international #tax #review #portugal, #banking # # #finance, #competition # # #eu #litigation # # #arbitration, #corporate # # #governance, #tax, #real #estate, #planning # # #environment, #labour, #m #a, #corporate #finance, #capital #markets, #public, #privacy # # #data #protection #projects, #infrastructure, #energy # # #natural #resources, #intellectual #property, #health, #telecoms # # #media, #it # # #outsourcing, #oil # # #gas


    #

    Pedro Cassiano Santos

    Partners

    Academic background
    Law Degree, University of Lisbon, Faculty of Law.
    Post-graduation in European Legal Studies, College of Europe, Bruges, Belgium.

    Teaching chairs
    Guest Professor/Lecturer at the Catholic University of Lisbon (Asset Backed Securities lecture on the LLM and Post-Graduate programmes 2008/2011) and at the Institute for Banking Management (Instituto Superior de Gest�o Banc�ria) (Banking Supervision lecture 2010/2011).

    Professional experience (VdA)
    Pedro joined Vieira de Almeida & Associados in 1989 and is currently the head partner in charge at the Banking & Finance area of practice taking responsibility for clients and transactions of the financial sector. He is regularly involved in the provision of legal advice in banking and capital markets’ regulatory matters as well as in the structuring of several financing transactions, such as the issue and placement (both national and international) of debt, hybrid and equity instruments, and the issue and placement of warrants and both cash and synthetic financial products. He has also been actively working in securitization transactions and other types of asset-backed transactions, together with the preparation of structured finance transactions, matters in respect of which he is a regular speaker in conferences and a guest teacher of many Masters and Post Graduate courses organized by distinct Institutes and Universities.

    Published works
    Author of various publications on matters within his fields of expertise, namely:

    “Securitization in Portugal”, Asset Finance International – Mar�o 2000�

    “The Portuguese Securitisation market”, Global Securitisation Review – 2003/2004

    “2003 a landmark year for Portuguese securitization”, IFLR – The 2004 Guide to Structured Finance – 2004

    “Public Sector Securitisation in Europe”, Global Trade and Finance Series – Securitisation of Derivatives and Alternative Asset classes Yearbook 2005

    “Sovereign Securitisation in Europe”, International Banking and Finance Law Series, Innovation in Securitisation Yearbook 2006

    “Reform heralds new era for mortgage bonds”, IFLR Structured – 2006

    “The Portuguese CMBS Markets – Mortgage-Covered Bonds: a brave new tool”, Commercial Mortgage-Backed Securitisation Developments in the European Market – 2006

    “The impact of Basel II, Portugal Structured Finance”, IFLR Supplement

    “Financial Regulation, International Briefings”, IFLR – Outubro 2007

    “Portuguese Capital Markets – Overview and future prospects”, Legal Week – 2010

    “Portugal”, The Banking Regulation Review, Law Business Research – 2011�to 2014

    And co -author of various publications on matters within his fields of expertise, namely:

    O Mercado Portugu�s da Titulariza��o de Cr�ditos: Diversifica��o e Maturidade”, Instituto dos Valores Mobili�rios – Direito dos Valores Mobili�rios, Separata do Volume VI – 2006

    International Acquisition Finance – Portugal, European Lawyer (Hendrik Haag) – 2008

    Member of
    Admitted to the Portuguese Bar Association and admitted as specialist in financial law.

    Languages: English, French, Spanish




    Rady Ph #phd #behavioral #finance


    #

    Rady School Ph.D. Programs

    The Rady School Ph.D. program is committed to training intellectual and innovative scholars who will contribute to the advancement of management education and knowledge in the 21st century.

    Our emphasis is on innovation, rigorous training and impactful research. Rady faculty are prominent scholars in the fields of finance, behavioral economics, innovation, technology and operations management, marketing, organizational strategy and psychology. The curriculum is designed to be extensive, flexible and personalized, in a self-directed research environment.

    Why a Doctoral Degree in Management at the Rady School?

    The Rady Ph.D. program builds upon UC San Diego s reputation and lineage, which includes 16 Nobel Laureates (former and current faculty) and eight MacArthur Foundation award recipients. We invite you to discuss the opportunities offered by the Rady program with our expert faculty.

    Data from the AACSB indicates that the U.S. shortage of business Ph.D.s is expected to be over 1,000 in five years and nearly 2,500 in 10 years, both in the academic and corporate fields. Graduates with the right background, motivation, ability and training have the opportunity to become the next generation of professors at the world’s elite business schools.

    The Rady Ph.D. program combines faculty expertise, intimate size, strong interdisciplinary training and a desirable location for highly qualified doctoral candidates. The program has a strong research orientation, along with personal attention and mentoring from world-class faculty.

    The program is a full-time course of study, designed primarily to prepare candidates for an academic career. Students begin active research at an early stage, working with faculty mentors throughout the program. Most students take four to five years to complete degree requirements and defend their dissertation (depending on the student s background and progress). Academic and research interests include finance, marketing, management, economics and strategy, and innovation, technology and operations.

    Mission Statement

    The mission of the Rady School of Management s Ph.D. program is to graduate intellectually rigorous and innovative researchers. Our Ph.D. program is committed to preparing scholars and professors for the world s leading universities.

    Learning Goals

    • A Rady School Ph.D. has mastered the analytical and methodological skills applicable to their area of specialization
    • A Rady School Ph.D. is able to critically evaluate extant research within their area of specialization
    • A Rady School Ph.D. is proficient in conducting original research in their field of specialization
    • A Rady School Ph.D. is an effective teacher



    Commercial Finance #commercial #mortgage, #business #loans, #property #development #funding, #retail #finance, #bridging #finance, #asset #leasing, #equipment #leasing, #factoring, #personal #loans, #buy #to #let #mortgage


    #

    Commercial Finance | Whiterosefinance.com

    Property, Business Purchase & Buy 2 Let Investments. Up to 75% of Property / Business value. Specialists in Pub, Hotels, Offices, Manufacturing & Retail Premises. Special deals for sitting tenants.

    Funding for residential and commercial new build and refurbishment projects. Up to 100% of the total funding requirement can be provided in many cases – call us today funding still available .

    POS Retail Finance, Loans for Leasehold Business Purchase, Loans for shop equipment, Cash Advances against Debit and Credit Card Transactions.

    Low Cost Home-Mover ‘GAP’ Bridging Finance from just 6.5% p/a. Non-status and investor loans from just 0.75 % per month flat rate. Quick to organise we can have funds to you in days.

    Flexible, tax efficient and low deposit solutions to aquire any business asset / machinery or vehicle. Sale and Leaseback of existing owned assets to 80% of market value.

    Poor cashflow, late payers. Affordable Factoring Invoice Discounting can significantly assist cash in to your business and reduce / redirect overdraft facilities. New start business welcome.

    Innovative and Cost Effective financial solutions.

    Throughout the major changes experienced in the UK financial markets over recent years we continue to deliver innovative funding solutions for our clients.

    Providing the skills and expertise to ensure a positive lending decision is our core strength and we achieve a very impressive success rate for our clients.

    Even if your own Bank has refused to support there is every chance we can offer a solution.

    We work at a senior level with over 200 UK based alternative lenders across a broad range of Products and Services.

    Contrary to popular belief, funding is still available for well supported and professionally presented cases.

    Interest rates and terms can be very competitve with fast decisions and decisive action to get the required funds to you in the fastest possible time.

    We will quickly assess your funding requirement and can very often be in a position to offer indicative terms the same day.

    Working with us will greatly improve the chances of your funding requirement being approved.If it can be funded we will secure the finance for you – guaranteed.

    Please get in touch and allow us to demonstrate what service and choice really mean.Contact our team today for free confidential advice, without obligation.

    Quick enquiry

    Call us today

    Telephone White Rose Finance on 0845 838 1954.

    White Rose Finance Group Ltd, No 1, Abbey Court, Benedict Drive, Selby, YO8 8RY
    Tel. 0845 838 1954 | Fax 01757 700 963

    Commercial Finance | Whiterosefinance.com

    White Rose Finance Group are Credit Brokers, Authorised and Regulated by the Financial Conduct Authority (FCA). Reference Number – 630772

    PLEASE MAKE BORROWING DECISIONS CAREFULLY, YOUR HOME OR PROPERTY MAY BE AT RISK
    IF YOU CANNOT KEEP UP AGREED REPAYMENTS ON ANY LOAN OR MORTGAGE SECURED ON THAT PROPERTY.