Tag : Loans

How to Get a Business Loan With Bad Credit, Fox Business, business loans for bad credit.#Business #loans #for #bad #credit


How to Get a Business Loan With Bad Credit

By Rohit Arora Published September 10, 2013 Small Business

Business loans for bad credit

While the small business lending landscape has been steadily improving over the past year, challenges still remain, particularly for companies that have less than stellar credit histories. Many banks are not willing to provide capital to small business owners who have below average credit scores.

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There can be valid reasons why a company might have a poor credit history. During the Great Recession of 2009-10, many small businesses fell behind in payments to vendors or simply could not correct their cash flow issues quickly enough. After all, the hardest time to secure credit is when you are desperate for it. The black marks on a company’s credit history can take months — even years — to erase.

Fortunately, there are lenders who are willing to take chances on a small business owner who may have run into some short-term financial problems and startup companies that have no credit history whatsoever. However, remember the lenders are usually not brand names in the financial services industry; and the interest rates and fees can sometimes be higher than those offered by traditional banks.

Here are some financing options available to business owners with lower than average credit scores:

Merchant Cash Advance is a short-term loan paid in a lump sum to a business owner in exchange for a portion of a company’s future credit-card sales. Companies involved in this type of financing offer quick access to cash without requiring excellent credit or substantial collateral. Some cash advance companies will approve funding requests and forward money in as little as 48 hours. Interest rates are often a bit higher than what traditional lenders charge, however.

Business Credit Cards can provide business owners with poor credit histories access to debt financing. Opening a credit rebuilding credit card is one of the best ways for a business owner to repair previous credit damage.

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Microloans are made by non-profit organizations, such as Accion (http://www.accionusa.org), which will grant small loans (up to $50,000) designed to help startups owned by women and minorities, as well as companies that are established in economic empowerment zones. Loans are also available through the Small Business Administration’s (SBA) Microloan Program, which lends funds through non-profit community-based intermediary lenders. Microloans are a great option for businesses with bad credit or no credit histories because their credit requirements are typically more lenient.

The good news for small business owners is that there are ways to improve credit scores. Here are some tips for repairing damaged credit scores:

Check business credit reports periodically

A business’s credit score is derived from a complex mathematical equation designed to predict the likelihood of default. Credit ratings agencies, such as Equifax and D B, examine:

  • company size and business structure
  • industry risk
  • outstanding accounts payable balances
  • payment habits and credit utilization
  • length of credit history
  • public records (judgments, liens, bankruptcies)
  • other factors

Pay bills on time

Late or missed payments negatively impact credit scores. The most important thing is to remain current. Fortunately, recent payment history counts more than older credit problems. Thus, negative issues will eventually fade, and credit problems fade with the passage of time. However, a collection account will remain on your credit history for seven years.

Be cautious with credit cards

Even if your personal debt is problematic, building a positive history of business transactions can enable you to establish a track record of creditworthiness. For this simple reason, it is wise not to co-mingle business and personal bank accounts. Once accounts are separated, be sure that company payments are in order.

My advice to someone who is just starting to build a business credit history is to open a business credit card and make consistent, prompt payments. Some people open numerous credit cards in an effort to increase available credit. In fact, if you open too many credit accounts too soon, the impact will be negative. It is more effective to have one card and to pay it off in full each month.

Incorporate your business

Incorporating makes your business appear more serious. Once you have legally established your business, set up bills (phone, electric, etc.) in the company’s name. If you need small business loan, banks are more likely to make grant funding to a company that has an established address and pays its utility bills each month than they are to a freelancer working at home.

Pre-pay bills when possible

Vendors may offer discounts for pre-payment. If your company is in a position to pay early at a reduced rate, you can cut your operating costs and ultimately improve cash flow. As an added bonus, vendors whom you pay early will likely serve as credit references if you need them in the future.

Run a lean, profitable business

Every company’s goal is to be profitable. Manage staff schedules wisely, particularly when business is slow. Keep inventory at reasonable levels.

Banks are taking a risk by providing capital to small companies. When you apply for a small business loan or a line of credit, lenders want to be assured that you are a good credit risk. That means being fiscally prudent, paying bills on time, and building a solid credit history. These tips seem rudimentary, yet they are very important. For more information, you can visit Biz2Credit’s credit improvement page.




Small Business Loans, Unsecured Loans, SkyCap Funding, small business loans.#Small #business #loans


Small business loans. Made simple.

Qualifying for the funding you need shouldn’t be complicated. Working capital solutions help small business owners grow their enterprise with minimal paperwork, no collateral, and flexible repayment.

Small business loans

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Complete a few simple steps online in order to pre-qualify for business financing.

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We will provide you with a funding offer according to the information you provide in this step.

Your Pre-approval

Based on the information you have provided you may be eligible for

Thank you but prequalifying for funds requires a minimum amount of time in business and proven sales volume.

  • Small business loans

1. Apply today

Apply online, by fax, or phone from your US-based business

  • Small business loans

    2. Receive an offer

    A SkyCap agent will deliver a funding offer up to $500 K within 24 hours

  • Small business loans

    3. Accept or decline

    Evaluate SkyCap’s financing offer with no obligation, fees, or fine print

  • Small business loans

    4. Receive funds

    SkyCap deposits funds directly to your account so you can cover urgent costs

    We create financing solutions based on your projected revenue, and remittance is deducted from a percentage of your future sales unlike a standard bank loan.

    Applicants may be eligible for a variety of financing options. The best way to see if you qualify is to apply online or call to speak with one of our specialists.

    SkyCap provides financing solutions that range from $2,500 to $500,000. Apply now, and receive a funding offer within 24 hours!

    There are no application fees or hidden costs. You are under no obligation to accept our funding offer nor are you obligated to SkyCap once your financing solution is remitted.

    Less than perfect credit does not make you ineligible. Remittance is a fixed percentage of your business’ future income.

    Your application will be pre-approved within 24 hours, and the funds will be deposited in your business account within 2-3 business days.

    We offer fixed repayment options based on your estimated receivables. This repayment system allows you to continue to earn revenue while repaying your loan in manageable installments.

    There is no need to change your current credit card processor. SkyCap’s credit card processing partners are willing to do a free cost analysis that can end up saving you thousands of dollars a year. For more information about how to take advantage of this service, please contact us.

    No, you still qualify for a working capital solution. Contact us to find out more.

    About Us

    SkyCap Funding makes it easy for small business owners like you to access fast, secure financing solutions without the restrictions imposed by traditional bank loans. Minimal paperwork, no personal collateral, and flexible remittance are just a few of the reasons that small business owners choose us when they need business capital.

    We fund businesses across diverse industries including fields that may be considered “high-risk” by other financing institutions. Find out how you can qualify in less than a day by contacting one of our representatives at 1-888-250-5227.




  • Business Loans – Unsecured Business Loans – Quick and Easy, unsecured business loans.#Unsecured #business #loans


    Need A Business Loan, Quick?

    UNSECURED BUSINESS LOANS – QUICK !!

    Unsecured business finance for small businesses in South Africa is here.

    If you are looking for small business funding, funding for business, sme funding, smme funding, business finance options, private business loans, funds for small business, business investors, company funding, purchase order funding or invoice discounting finance, apply now for quick business finance.

    R 50 000 to R 1 mill, In 3 days, No security required.

    Use the money to factor invoices, to expand, buy assets, settle debt, pay VAT, pay a deposit, pay tax, buy a vehicle, buy out a partner or for any purpose, is now possible.

    If you have sales of R 1 million in the last 12 months apply on this site and submit 6 months bank statements after a loan manager has called you to get your Business Loan, quick.

    The main criteria is regular cash flow through your bank account; ideally from credit card sales, EFTPOS or regular payments into your bank account. ( other conditions apply )

    Private business loans are aimed at SMME’s with strong cash flow

    Don’t let Business Funding be a daunting exercise.

    Whether you use our small business loan service, big business funding service or are looking for a commercial loan, short term loan, long term loan, working capital loan, loan finance, unsecured business finance, business bridging finance, secured business loan, franchise business loan, franchisee loan or any other type of business finance, we have access to many sources of finance.

    • Submit the APPLY NOW enquiry form on this site
    • A loan manager will call you
    • Submit 6 months bank statements and completed application form
    • A business loan assessment is done
    • A credit loan is proposed and agreed to
    • The business loan funds are transferred to your bank account
    • You then pay back the agreed amount each day or week, until the working capital loan is settled

    Some Examples:

    The business was trading well and had been in existence for just over 12 months.

    Most payments by customers were made by Credit Card.

    The owner needed to upgrade his kitchen to ensure he met the seasonal demand.

    He also had some creditors pressing for payments.

    He applied for a R 300 000 unsecured loan Based on his credit card sales, a 6 month a unsecured business loan was granted.

    The kitchen was upgraded and the creditor was paid.

    He is paying back his loan by weekly debit order.

    Established 18 months earlier and was growing at a rapid rate.

    The owner signed a property lease for 3 years.

    He needed to upgrade the IT systems to cope with a new distribution contract he had secured.

    A large portion of his payments were made via a portable payment POS credit card machine.

    The lender assessed transactions going through his credit card account and granted a R 100 000 loan in 3 days.

    Repayment was by daily debit order.

    Repayments were negotiated to be at 10 % of the daily sales.

    The business had been trading for 15 months in a shopping centre.

    The shopping centre had recently been upgraded and so the owner needed to upgrade the shop décor.

    Within 3 days of submitting all supporting documents the R 50 000 loan was granted.

    Repayment is by 26 weekly debit orders.

    A national chain of health boutiques was upgrading many of its outlets and needed R 500 000.

    A large portion of sales were made by credit card / EFT POS.

    After a little negotiation a loan of R 1.5 million was granted.

    Repayment is by weekly debit order.

    The company had been trading for more than 3 years.

    Contracted clients made regular monthly payments by EFT into the bank account.

    They needed a deposit to rent a new warehouse and applied for a loan.

    A R 500 000, unsecured loan was approved in 5 working days.

    • Business-Loan.co.za is an independent loan facilitator.
    • We are not qualified to give advice but submit your application to lenders that are.
    • Loans are not automatically granted and assessed on various risk and repayment criteria.
    • The Enquiry Form on this site, has set of basic questions which enable the lender to assess the risk and make a high level decision, on whether they can take the application forward.
    • When submitting the Enquiry Form, your application is submitted directly to the lender.
    • The lender will call for more information to verify the information you submit.
    • All loans are granted at the sole discretion of the lender.
    • The lender pays our fee.
    • Please ensure all requested documentation is submitted, to ensure quick processing.
    • Interest on loans: Equivalent of 4.17 % per month
    • Financial implications: Interest is accrued at lending rate of 4,17 % per month plus legal costs
    • Collection practices: All non-payment loans will be handed over to attorneys for collection. Legal costs will be for the borrower’s account
    • Impact to borrowers credit score: Defaulting borrowers will be added to the Credit Bureaus records and will be negatively rated
    • Renewal policy: The renewal of any loan will not be automatic and will be at the lender’s sole discretion. New or renewals will attract same fees as the original loan ie 4.17 % per month



    FHA Government Loans – FHA Loan Programs, government loans.#Government #loans


    government loans

    First Time Home Buyers searching for loan assistance can now take advantage of FHA Government Loans First Time Home Buyer Programs that can require as little as 3 % down. Read more »

    FHA Refinance Programs (now at the lowest rates in 22 years)

    The past few weeks have been a joy ride for homeowners looking to refinance, with refinance rates and FHA mortgage rates all dipping. Homeowners have scrambled to get their mortgages modified to ease debt pressure. With the proactive help from the government, even banks have been able to keep FHA loans rate as low as possible as FHA Refinance rates dropping to historic lows. The final months of 2010 are being regarded as the best time to refinance in almost 30 years. Read more »

    FHA Loans for a fixer-upper (203k Program)

    The Section 203(k) program is the Department of Housing and Urban Development (HUD), primary program for the rehabilitation and repair of single family properties These programs operate through FHA-approved lending institutions which submit applications to have the property appraised and have the buyer’s credit approved. These lenders fund the mortgage loans which the Department insures. Read more »

    The FHA in your State

    Government loans

    Financial assistance for Seniors

    Many older Americans need greater financial security to supplement social security, meet unexpected medical expenses, make home improvements, and more. One of the nations fastest growing solutions is a Reverse Mortgage. Read more »

    Government loans

    FHA Loan Information

    The FHA does not lend money. The FHA (Federal Housing Administration) is part of HUD backs individual Approved Lenders.

    Note: We are not affiliated with the Federal Housing Administration, the Department of Housing and Urban Development, or any other government agency. We are an FHA Educational Resource.

    When you fill in our short application we will provide your information to one, (and only one!) FHA Approved Lender who can help you based upon many factors, including your Credit Score, your State Location, and the Type of Loan you apply for

    Read more Government loans

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    Government loans

    FHA News Information

    • Thirty-year fixed, 15-year fixed and 5/1 ARM rates were all lower today, according to a survey of current mortgage rates published by National Lenders Thursday morning. (2/2/17)
    • FHA Home Loan: A Smart Choice When Rates Are Rising. As people watch mortgage interest rates move upward, they might be wondering whether there is a mortgage out there for them. The FHA home loan could be something to look into, depending on one’s savings, credit score, income and future needs. (2/27/17)

    HUD suspends FHA mortgage insurance premium cut. The FHA will issue a subsequent Mortgagee Letter at a later date should this policy change (01/27/17).

    Government loans

    © 2017 FHA Government Loans .org

    FHA Government Loans .org is a not a lender or a mortgage broker. We do not direct market by phone or email consumers. We do not provide any loans, loan modifications or foreclosure services. Note- FHA Government Loans .org is not affiliated with HUD or FHA and is not a government agency. FHA Government Loans .org is a website that provides information about mortgages and loans and does not offer loans or mortgages directly or indirectly through and representatives or agents. Any request for mortgages will be arranged by third party providers We do not direct market by phone or email towards consumers. FHA Government Loans .org is known as Mortgage Information Technologies LLC in lieu of true name, is a news and information service providing Federal Housing Authority news, content and directory information relative to mortgages and loans. We are not responsible for the accuracy of information and/or interest rates represented and we are under the assumption that all content is in accordance with the Copyright Policies of the United States of America and territories If you are suspicious of any fraudulent activities or if you have any questions Contact Us or your local HUD Agency or the Office of the Inspector General.




    Canadian Government Grants & Loans – Small Business Financing, government loans.#Government #loans


    Try the Grant Finder Search Engine

    Search through 926 government programs

    Many government programs have a limited window for when they accept new applications. Don’t risk losing your chance to receive funding.

    Ready to Get Started?

    Or fill out the form below to get in touch with one of our Funding Experts.

    Government loans

    Government loans

    Government loans

    The recipients in these stories took the first step and contacted our Centre to learn about their funding options. Although we cannot guarantee you will get funding, the more you know about others experiences the better your chances.

    CFSBF has no affiliation with any program, and no claim is made that funding is guaranteed.

    View Funding By:

    Get Expert Help

    Find out if you may be eligible for funding

    Call: 1 866 682 2402

    Still not sure where to start? Our in-house group of experts can help. Give us a call or fill out the form below to begin.

    For More Info Call 1 866 682 2402

    Find out if you may be eligible for funding

    Call: 1 866 682 2402

    Still not sure where to start? Our in-house group of experts can help. Give us a call or fill out the form below to begin.

    Government Money May be Available For Your Business

    Search through 926 government programs

    You may be eligible for.

    Many government programs have a limited window for when they accept new applications. Don’t risk losing your chance to receive funding.

    Time Left To Register Today

    Ready to Get Started?

    Call Us for More Info 1 866 682 2402

    Or fill out the form below to get in touch with one of our Funding Experts.




    Business Loans – Apply for a Business Loan Today, loans for business.#Loans #for #business


    Business Loans

    Loans for business

    A business loan can help you realize your aspirations for your company. Whatever the size of your business, whether you are just starting or you need a cash injection to expand, you might require the extra support of a loan. However, if you are considering a business loan make sure that it is something your business can afford. It is worth comparing as many different business loan offers as possible to ensure that you get the best deal possible. This loan could be the make or break of your business. Work out all of your costs carefully and make sure you are confident that you will be able to make payments on time. Generally speaking the two main types of business loans are either secured or unsecured. It pays to do your research and shop around because you are more likely to find a better deal than just accepting the first loan that you come across. We provide the details for loan suppliers who offer some of the best interest rates in South Africa.

    If you wish to speak to someone: Contact Us

    Related Business Loans Products

    Compare Business Loans

    Loans for business

    Whether you are just starting up or are already an established business, a business loan can help you reach your goals.

    These types of loans are taken out for people looking for financing for their business. Often getting the right finance is critical to the success of any business.

    Business loans can help you realise your current and future aspirations.

    Whatever the size or type of your business you can find a wide range of loans that can suit your corporate requirements. There are lenders that specialize in finding both short term and long term financial solutions for business owners, regardless of their personal credit history.

    Be prepared to be required to submit a business plan when applying for a loan to provide information to the lenders on the performance and future plans for your business.

    What can a Business Loan be used for?

    Most business loans are taken are in order to expand a business’s earning potential in some way. Business loans are particularly helpful for companies looking to get started. Business loans give businesses instant access to money allowing companies to expand their potential profitability.

    Business loans are used for a range of purposes. It could be that you are looking for new offices or space for your business, you want to purchase business insurance or you need to buy necessary equipment, employ more staff or for promotion for your company.

    Finding the right loan for you and your business

    Whatever your needs it is important that you choose the right business loan to ensure you get the best deal. Make sure you find the lender that offers the most competitive interest rates and a range of loan terms to suit your requirements. Choose a company that understand your specific needs.

    The amount you can borrow will depend on your business and each lender will have its own criteria. The exact amount you can borrow is usually based on the size or type of your business but could also be determined by what you need the money for.

    Watch out for any hidden or upfront fees that might be attached to the loan and always read the terms and conditions thoroughly.

    Business loans can have many flexible aspects so take your time and compare the different loan offers. Use the table above to compare different lenders.

    How to compare business loans quickly and easily

    Searching for a loan that is suitable for you can be a challenging task. That is why our comparison grid will come in helpful so you are able to make an informed decision your you and your company. You are quickly able to compare information such as the provider, representative APR, total amount payable, product and terms and conditions.

    Remember, every time you are refused an application for a loan it could have an effect on your credit rating. Only apply for a loan you are confident you will be accepted for.




    Canadian Government Grants & Loans – Small Business Financing, business startup loans.#Business #startup #loans


    Try the Grant Finder Search Engine

    Search through 926 government programs

    Many government programs have a limited window for when they accept new applications. Don’t risk losing your chance to receive funding.

    Ready to Get Started?

    Or fill out the form below to get in touch with one of our Funding Experts.

    Business startup loans

    Business startup loans

    Business startup loans

    The recipients in these stories took the first step and contacted our Centre to learn about their funding options. Although we cannot guarantee you will get funding, the more you know about others experiences the better your chances.

    CFSBF has no affiliation with any program, and no claim is made that funding is guaranteed.

    View Funding By:

    Get Expert Help

    Find out if you may be eligible for funding

    Call: 1 866 682 2402

    Still not sure where to start? Our in-house group of experts can help. Give us a call or fill out the form below to begin.

    For More Info Call 1 866 682 2402

    Find out if you may be eligible for funding

    Call: 1 866 682 2402

    Still not sure where to start? Our in-house group of experts can help. Give us a call or fill out the form below to begin.

    Government Money May be Available For Your Business

    Search through 926 government programs

    You may be eligible for.

    Many government programs have a limited window for when they accept new applications. Don’t risk losing your chance to receive funding.

    Time Left To Register Today

    Ready to Get Started?

    Call Us for More Info 1 866 682 2402

    Or fill out the form below to get in touch with one of our Funding Experts.




    Business Loans Adelaide, Finance Brokers Adelaide, Commercial Loans, loans for starting a business.#Loans #for #starting #a #business


    The right business loans allow your business to soar in Adelaide

    Business loans are an essential key to making your business flourish in Adelaide. Whether you’re a start up or existing business, the right loan will put you on the road to success. When acquiring and developing a business, help from professional finance brokers is essential. At Coscia Finance we can assist with all facets of your business’s operations. Whether it’s purchasing commercial property, expanding your business or cash-flow funding, we can help you find business loans to facilitate the process in Adelaide.

    Our finance brokers make the loan application process simple in Adelaide

    The procedure of obtaining a business loan can be quite daunting for business owners unfamiliar with the process. With different lenders offering different loan options, it can become confusing. Rather than taking the steps alone, allow our finance brokers in Adelaide to be with you every step of the way. We equip you with the right information and documentation, making the process much easier. With our help, you will be confident in your business loan choice.

    Our finance brokers liaise closely with business owners to ensure they understand their business goals. Often we ask to see a business plan, as well as personal and business financial statements. Information regarding collateral is also sometimes required if the loan is secured.

    Once we’re equipped with a business’s relevant information, we help you prepare a business profile. A business profile provides lenders with relevant information about your business, including information regarding the company’s annual sales, a profit and loss statement, details about recent ownership, the type of business, number of employees etc.

    Our finance brokers make the loan application process simple in Adelaide

    Coscia Finance deals with more than 25 different lenders to find you the best business loan. Currently, secured loans are the most common form of funding, however, specific financing differs from lender to lender. Below we have outlined the most common financing options available.

    • Start up financing

    • Business growth financing

    • Debtor/ inventory financing

    • Motor vehicle financing

    • Equipment and plant/ tool financing

    • Business property financing

    If you are starting up a new business, or alternatively want to grow your existing business, talk to our professional finance brokers at Coscia Finance in Adelaide. We are committed to helping your business and securing business loans that put you on the path to success in Adelaide.




    8 Great Sources of Financing for Women Starting a Business – Next Avenue, loans for starting a business.#Loans #for #starting #a #business


    8 Great Sources of Financing for Women Starting a Business

    Loans for starting a business

    Four years ago, Linda Waitkus quit her job as store manager for a Bloomingdale’s near Washington, D.C., to open Great Dogs of Great Falls, an 1,800-square-foot pet shop with grooming services in Great Falls, Va.

    When I stopped by to interview her recently, I was impressed to discover that Waitkus, now 57, made all the right moves for launching a new venture, starting with a rock-solid business plan. But what really impressed me is this: She had saved enough money outside of her retirement accounts to finance the startup.

    Great Dogs started turning a profit in its first year, and Waitkus has been able to pay herself a salary. (I contributed to the cause by purchasing some treats and marrowbones for my Lab, Zena, when I popped in.)

    Women have been starting businesses like mad in recent years, and at a higher rate than men, according to a report from American Express OPEN Forum. Between 1997 and 2012, the number of women-owned firms increased by 54 percent, a rate 1.5 times the national average.

    But starting a business may be even harder for women than for men, as explained in a recent Forbes.com article by Susan Coleman and Alicia Robb. Authors of a new book released by the Kaufmann Foundation, A Rising Tide: Financial Strategies for Women-Owned Firms, Coleman and Robb contend that businesses run by women face hurdles that aren’t encountered by men.

    For instance, they report, women seeking first-year financing to get a business off the ground receive about 80 percent less capital than men. This echoes what I’ve heard from female entrepreneurs I know, who’ve told me that finding money to finance their companies was the hardest part of their launches.

    With that in mind, here are eight resources women should consider if they want to raise cash for a fledgling business — and two to avoid at all costs:

    Personal savings Most startups, like Waitkus’s pet shop, are financed with an entrepreneur’s own money. But as I wrote in my Next Avenue blog post, “When It Comes to Money, the Deck is Stacked Against Women,” women tend to earn less than men, which means they often don’t have a full cupboard to tap.

    Loans from banks and credit unions These are the chief sources of financing for women-owned firms. Fortunately, women are no longer more likely to be rejected for these loans than men, according to Coleman and Robb’s research.

    If you plan to apply for a bank or credit union loan, I recommend you have a solid business plan, a stellar credit record and an excellent credit score (720 or higher). You might want to try a bank where you’ve been a longtime customer or one that is familiar with your company’s field. For more tips, read the Next Avenue article, “How to Get the Business Loan You Want” by Steve Bloom, a counselor with SCORE, the nonprofit small business adviser affiliated with the U.S. Small Business Administration.

    An SBA-guaranteed bank loan can keep your down payment and monthly payments low. To find a bank offering one of these loans, check the Local Resources section of the SBA’s website as well as the site’s loans and grants search tool.

    Home equity credit lines or loans Lenders typically let you borrow 75 to 80 percent of your home’s value, minus the amount of money you still owe on the mortgage. With a home-equity line, you receive the money in increments, rather than the lump sum you get with a home equity loan. The interest rate on home equity credit lines is typically lower than on loans, which you receive as a lump sum.

    According to Bankrate.com, the average rate for a $30,000 home equity credit line is 4.58 percent; for a $30,000 home equity loan, it’s 5.71 percent. Just be certain that you’ll be able to repay this kind of financing — your house is on the line.

    Relatives and friends Family members and pals often lend money interest free or at a low rate of, say, 3.5 percent. Be sure to get legal advice and create a binding contract if you want to finance your business this way. You’ll want to put the loan’s terms in writing to avoid any misunderstanding about repayment dates and interest.

    Angel investors and venture capital firms These financing sources provide money in exchange for equity or fractional ownership. However, they’re typically swamped by requests and extremely careful with their money.

    Compared with men, only a tiny percentage of women rely on this kind of financing, according to Coleman and Robb. One possible explanation, the authors say, is the difference between the types of firms typically started by each sex. Women-owned firms tend to be less growth-oriented and heavily represented in the retail and service sectors. Equity investors prefer growth-oriented sectors, like technology and bioscience.

    Another reason women have often find equity-financing windows shut is that don’t belong to the key networks that provide this financing. Traditionally, the authors note, angel investing and venture capital fields are closely knit, difficult to penetrate and dominated by men.

    Crowdfunding websites Financing for the incredibly successful Pebble smartwatch was ramped up via Kickstarter, a crowdfunding website that entrepreneurs use to find people who’ll invest small amounts of money in tech projects or creative endeavors like music or video games. Pebble’s founders hoped to raise $100,000 through Kickstarter; they ended up bringing in more than $10 million.

    With Kickstarter, listing your project is free. You simply post a description of the project, including a video, your target dollar amount and a deadline. Then you send a mass e-mail to family, friends and colleagues, asking them to help and also to share your financing invitation with others. When you reach your goal, Kickstarter takes 5 percent, and you pay 3 to 5 percent to Amazon.com’s credit-card service. If you don’t raise the money by the deadline, all pledges are canceled.

    Similar crowdfunding sites, like Rock the Post, Indiegogo and AngelList, can also connect you with angel investors.

    In the past, small businesses couldn’t sell shares of their company through crowdfunding sites because that violated Securities and Exchange Commission rules. But this spring, Congress passed the JOBS Act, which will allow such equity-based crowdfunding sometime next year, when the SEC’s new rules kick in.

    (For more about this law, read NextAvenue small-business blogger Gwen Moran’s post “What the New Crowdfunding Law Means to Small Business Owners.”)

    Economic development programs You’ll need to do some legwork for this type of financing, but it could be well worth your time. As Moran blogged in “A Great Way to Give Your Small Business an Edge,” getting your firm certified as a woman-owned business can help you qualify for money that’s only available to companies with that designation. Certification can also help you land government and big-business clients.

    Some corporations offer these types of programs. For example, Michelin North America, based in Greenville, S.C., has provided $1 million in low-interest financing — loans range from $10,000 to $100,000 — to certain businesses, including women-owned firms, in parts of South Carolina.

    Local economic development agencies, such as Rockville Economic Development in Maryland, also award cash prizes for new, female business owners. Check the SBA’s online directory and contact the office in your area to see if any money is available for women-owned businesses.

    Grant programs for women The SBA operates a network of nearly 100 Women’s Business Centers around the country. They provide state, local and private grant information to women eager to start for-profit or nonprofit businesses.

    Grants.gov lists information on more than 1,000 federal grant programs; many are specifically for women-owned businesses.

    Business.usa.gov is the federal government’s site for entrepreneurs looking for short-term microloans and small business loans. Search this site for info on all programs available to women business owners in your state.

    2 Financing Sources to Avoid

    And now the two sources of money you don’t want to use:

    Credit cards Avoid using plastic at all costs. Most cards carry double-digit interest rates, which is an outlandish price to pay for starting a business. Also, it’s very easy to get yourself into trouble this way, given the financial ups and downs of a new venture.

    Retirement savings Trust me, you don’t want to dip into your 401(k) and IRA. Not only will you owe income taxes by taking money out, you’ll lose the tax-deferred compounding and, if you’re younger than 59½, you’ll owe Internal Revenue Service withdrawal penalties. Worst of all, you’ll highjack your future financial security. Please don’t do that. No business is worth it.

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    Startup Lisboa, startup business loans.#Startup #business #loans


    The Lisbon Incubator

    Lisbon’s Incubator

    Startup Lisboa is a incubator that supports the creation of companies and their first years of activity. Founded in 2011 by the Lisbon Municipality, Montepio Bank and IAPMEI – Portuguese Agency for Competitiveness and Innovation, it’s a private non-profit association that provides entrepreneurs and companies with office space as well as a support structure. We provide mentoring, link to strategic partners, access to investment, help with business basics, networking activities, and communication services.

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    What we do

    Startup Lisboa is everything but an office center.

    What we do

    Startup Lisboa is everything but an office center.

    We are facilitators

    “We do not invest in startups, but we connect them with investors and potential clients,” we say. This is an example we use to define the work to which we are daily committed: to facilitate access to investment, mentors, strategic partners and potential customers.

    We encourage the founders to look for what’s best around the world to maximize their chances of growth and keeping their link to Portugal. Some incubated startups have teams abroad boosting their growth, including taking part in accelerators. Six teams are part of Seedcamp community, two are YCombinator alumni, for instance, and we’re proud of it.

    As a private non-profit organisation, our mission is to support the creation of companies and entrepreneurs in their first years of activity, to promote job creation, and to support the urban, social, and economic vitality of Lisbon’s city center.

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    We are family

    We’re proud of our community and we’re always looking for the best teams to start grow their businesses in #startuplx

    We are family

    We’re proud of our community and we’re always looking for the best teams to start grow their businesses in #startuplx

    We have no calls but are instead permanently open for online applications.

    After a first screening of the forms, and in regular periods, we invite entrepreneurs to pitch their ideas to a jury session, to be evaluated.

    Applications from all over the world are accepted.

    The Facilities

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    Rua Da prata Nº 80

    Startup Lisboa’s HQ is located in downtown Lisbon in a completely renovated 200 year old, 6 story building. It’s a vibrant place where over 40 startups are boosting the entrepreneurship scene in Portugal; each startup has its own office, but there’s also a coworking room for smaller teams. Opened in February 2012, the space features a flexible 60 m2 room that can be converted into three 20 m2 meeting rooms that fit up to 10 people each, a dinning room and kitchen, and a social area (lounge) with a kitchenette where you can organize a coffee break or other kind of networking event.

    To be incubated at Startup Lisboa, you must Apply.

    rua da prata Nº 81

    In the summer of 2015, we opened the second building, right in front of the first one. Built in the 18th century, it was renovated to accommodate bigger startups in its two first floors.

    The Silver Street (Rua da Prata) has become even more vibrant since entrepreneurs are always crossing the road and chilling out on the sidewalk for a coffee and a Pastel de Nata (famous portuguese pastry) while on a break from work.




    Accion, Small Business Loans, start up business loans.#Start #up #business #loans


    Launching Dreams, Empowering Entrepreneurs

    Accion believes entrepreneurs create vibrant communities. We deliver a level of personalized service you won’t find at any other lender. Capital is just one tool you need to reach your goals, and we partner with you every step of the way.

    Delivered to small business owners

    Years of lending experience in the U.S.

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    Entrepreneurs across the country served

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    What Makes Us Different

    Loans designed to help you succeed, with terms specific to your needs and goals.

    Champion for Small Business

    We are leaders in the responsible lending movement and dedicated to advancing local and national initiatives that support and empower entrepreneurs.

    Access to business experts, special events, networking, and opportunities from our partners, as well as exclusive online resources help you take your business to the next level.

    Every community has a unique business climate. Our on-the-ground expertise keeps you ahead of the curve no matter where you operate.

    We match every borrower with a knowledgeable loan expert who provides personalized guidance through the loan process and beyond.

    Simple Online Application

    In less than 15 minutes, you could be on your way to getting the capital you need to run the business you love.

    Hear What Business Owners Are Saying

    A loan is an opportunity for a better future. Meet some of the entrepreneurs who have used Accion loans and support to grow their business.

    Maria Harrison
    Tea Gallerie

    “We were so happy that someone believed in us. Accion is a financial partner and a supportive community partner.”

    Odilon Celestin
    C M Sweet Bakery

    “Accion doesn’t just give you money they help you survive. My dream came true because I didn’t give up.”

    Scott Carpenter
    Underground Fitness

    “I hit a lot of dead ends. Then I found Accion.”

    Pamela A. Jones
    Charboy’s

    “At Accion, the loan process was straightforward. Now I have a whole line of sauces in 200 stores.”

    What to Expect

    A fast and simple online application experience paired with unmatched personalized service for every applicant.

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    Apply online, in person or call us

    Get started by telling us about your business and financing needs. We welcome the chance to get to know you and your business. Questions? We are here to help.

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    Get a solution that fits your needs

    Our loan experts work one-on-one with you to tailor solutions to you, your business and your goals.

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    Get the support you want

    We want to be your most trusted resource. We’ll work with you every step of the way to put your loan to work and get your business on the right track.

    Because we believe you deserve an efficient and transparent borrowing experience, we are a signatory of the Small Business Borrowers Bill of Rights.

    Business Resources

    Getting the capital your business needs is just one piece of the puzzle. Explore our library of tips, articles and videos to help your business grow.

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    Running a business is hard work, but we re here to help. Get tips on everything from setting up your business to creating a website to paying taxes, based on Accion s experience helping entrepreneurs in every industry across the U.S.

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    2017Accion is a 501(c)(3) nonprofit organization. All rights reserved.

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    “At Accion, the loan process was straightforward. Now I have a whole line of sauces in 200 stores.”




    Bad Credit Business Loans – Actual Payday Loan Companies, business loans with bad credit.#Business #loans #with #bad #credit


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    Business Loans, Cash Advance Loan for Businesses, quick business loans.#Quick #business #loans


    Business Loans – Alternative Business Financing

    We provide business cash advances, completely unsecured up to $250,000! A business cash advance is a great alternative to traditional loans and small business financing options such as:

    • Small Business Loans
    • Unsecured Business Loans
    • Business Loan for Businesses with Bad Credit
    • Secured Business Financing

    Our business cash advance is based on future sales. We facilitate success by providing cash in advance, quickly, without the formalities and strict requirements of a business loan offered by banks and other financing companies. Business loans require security (collateral), good credit and a long business history. New businesses and small businesses with bad credit may still qualify for an unsecured business cash advance loan.

    Business Cash Advance Requirements

    • Your business is registered in the United States
    • Your Business is established – No Start-Ups
    • Proof of gross monthly revenue

    Business Cash Advance Vs. Small Business Loan.

    Unlike traditional small business loan financing, with our business cash advance you are not fixed to a repayment schedule. If you have a slow period we take a smaller payment; working with the flow of your business. Additionally, unlike small business loans, our unsecured business loan alternative does not require collateral or a personal guarantee. We also do not require financials or tax returns. Our quick online application is simple and takes only a few minutes. Business loans require extensive paperwork and a lot of time. We can approve your business for an unsecured cash advance in less than 24 hours and have a working capital loan of up to $250,000 transferred to you in less than 1 week!

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    Short-term business loans

    Most businesses will need to borrow money at some stage either to help with cashflow, or to pay for expansion costs, and a short-term business loan can provide the ideal solution. Although recent years have seen a reduction in the number of business loans on offer, there are still plenty of options available to explore.

    The providers below are ranked by the following scenario; taking out a loan of £10,000 over 6 months. Ranked by the least you would need to pay back in total over the period.

    Rates from 4.5% per year. Terms from 6 months – 5 years

    Apply online get a decision typically in 24 hrs

    You ll have a dedicated Account Manager from start to finish

    Minimum criteria: Two years+ filed accounts at Companies House or formally prepared accounts for non-limited businesses.

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    Borrow up to 250,000 unsecured and up to 500,000 secured

    Terms from one month – four years

    If approved, funds are sent within hours of signing your agreement

    Early repayment fees do not apply – repay early, pay less

    Top-ups and payment holidays available after three months of successful repayments

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    Searching has no impact on your credit score

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    How our site works

    We want to show you short term business loans from as many lenders as possible, so you have plenty of choice. Not all lenders want to be included on comparison websites, so we can’t promise to show you loans from every single one. We’ve looked at how much it would cost to borrow £10,000 over 6 months, including fees, and we’ve ranked the lenders from the cheapest to the most expensive. You can find out more about how we work here.

    Advantages of short-term business loans

    The main advantage of opting for a short-term business loan is that you know your business will only have to make repayments for a limited period of time. You will also usually pay less interest overall than if you opted to repay what you owe over a much longer term, such as five years.

    Disadvantages of a short-term business loans

    Choosing to take out a short-term business loan may mean that you will be able to pay off what you owe quickly, but bear in mind that your repayments will be much higher than if you opted to repay your long over a medium or long-term period. Interest rates can be very high on short-term borrowing, so it’s worth comparing lots of different loans to ensure you find the right deal for your business’s needs.

    What else you need to know

    Difficult economic conditions in recent years have made it harder for businesses to borrow money. To apply for a business loan, your business may be required to have a minimum monthly turnover, and you may have to show a set number of accounts, usually two or more years.

    Remember too that the actual rate of interest you will be charged on a short-term business loan will depend on your business’s individual circumstances, the amount you want to borrow, and over what period you intend to pay off what you owe.

    Alternatives to a short-term business loan

    If you don’t think your business will be able to pay off any borrowing over a year or less, then you might want to consider a medium or long-term business loan which can be repaid more slowly.

    Other options include using a business credit card for any immediate expenses. These can also be a useful way to manage staff spending. You could also speak to the provider of your business bank account about arranging a business overdraft which can provide you access to funds as and when you need them. You can usually arrange an overdraft for a 12 month period, at which point it will have to be renewed.

    Businesses can also raise funds though cashflow finance, which allows then to borrow against the value of their




    Starting a business – solutions for your new business, Westpac, new business loans.#New #business #loans


    Starting a business

    Becoming your own boss is the chance to create a new working future. It’s the opportunity to take control of your working life, do something you feel passionate about and build new financial possibilities.

    It’s also about challenge, determination, hard work and persistence. If you’re thinking about, or are already in the process of launching a business, then you might need some support and information to help you reach your business goals.

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    What do I need to start?

    The first steps are the biggest and you need to lay the foundation for success and understand the importance of choosing the right business structure, registering for an ABN, writing a business plan, setting up a website and putting your accounting in place.

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    Funding for my business

    It pays to be across the costs of setting up your business from the start. You’ll need to know what sorts of up-front costs you’ll face, especially if they involve new vehicles, machinery or equipment. There are also different financial solutions to consider.

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    Managing the money

    Cash is the lifeblood of business and it needs to flow effortlessly and efficiently in and out of your business. It also has to be easy for customers and suppliers to work with you and for you to take the financial pulse at any time.

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    Business One – Low Plan

    Our most popular bank account, ideal for starting a new business

    Open in less than 10 minutes

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    Find the right bank account to suit your business needs

    Find a business banker

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    To be eligible to apply for Business One – Low Plan, your business must be registered in Australia.

    General advice: This information is general only and does not constitute any recommendation or advice. It is current at the time of publication, and is subject to change. It has been prepared without taking account of your objectives, financial situation or needs. Because of this you should, before acting on the information, consider its appropriateness, having regard to these matters. Consider obtaining personalised advice from a professional financial adviser and your accountant before making any financial decisions in relation to the matters discussed in this document, including when considering the finance options for your business.

    Conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.




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    Small Business Loans, sba loans.#Sba #loans


    Small Business Loans

    Of the total people who leave their jobs, almost 38 percent cite not being able to work the way they would like to, or the constant nagging of their boss as the primary reason. Another reason people quit their job is because they are considering being their own boss by starting a small business. But it is not an easy task. You need an actual business plan and approach, the proper license(s), and most importantly, the necessary financial resources (typically small business loans) to insure your businesses starts off on proper footing.

    As defined by the Small Business Administration (SBA), a small business is any business venture which has less than 500 employees and less than $7 million in annual receipts. In the United States, there are various types of small business loans to satisfy the business plan being presented to the lender.

    The Different SBA Loan Programs

    Businesses with special requirements (such as those in exports or those operational in rural areas) are covered under this program. This is considered to be the most flexible choice, and also the most suitable one if you have a start-up in mind. The different 7(a) loan programs are:

    • Special Purpose Loans: offers 7(a) loans to those businesses which have been affected by NAFTA, to assist Employee Stock Ownership plans and so on.
    • Export Loan Programs: fewer than 70 percent of the total export businesses in the U.S. have a maximum employee count of 20. The various export loan programs further expand their export activities.
    • Rural Business Loans: this program is aimed at providing a simpler and more streamlined 7(a) process to acquire loans for businesses operating in the rural areas.
    • Microloan Program

    If you are in need of small, short-term loans, then the Microloan program is just the right deal for you. You can use Microloan funds for:

    • Purchasing supplies or inventory
    • Purchasing machinery
    • Purchase of furniture

    The Microloan fund cannot be used for the purchase of real estate or for the paying off of any existing debts. The maximum Microloan amount is $50,000.

    Spanning long-term financial planning, the CDC/504 Programs provide a platform for the development of the community as a whole. The loan sanctioned under this program provides small businesses with fixed-rate financing. These finances are then utilized to acquire assets which are mainly aimed at modernization, such as commercial mortgages, street-improvement utilities, and so on. Your small business should be operated with a profit-seeking intention, but should not be engaged in the investment of real estate.

    Loans for Women-Owned Business

    Being a women entrepreneur, the world can be yours for the taking if you plan the expansion of your business correctly. It is advised that you visit the SBA Office for Women’s Business Ownership for further information related to the different types of grants and loans available to women and counseling on the same. The National Women’s Business Council is another federal advisory body which addresses various economic issues and offers advice to female business owners.

    Small businesses still account for over 80 percent of new job opportunities. The path to own and run a small business is open to everyone. In fact, minority groups and those affected by a disaster can avail the various small business loans which are specifically designed for them. So do not be afraid to stand out of the crowd; you do not need an MBA to make this happen. It can be more rewarding that you ever imagined.




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    Why SBA Loan Program – SBA Loan Program, sba loans.#Sba #loans


    Why SBA Loan Program

    Hi, I’m John Ponte. I connect businesses with the capital they need to get out of debt and experience tremendous growth.

    After 30 years of investing and building businesses from the ground up, I recognized two major challenges all business face:

    1. Business owners need fast, easy access to capital without the lengthy process and red tape of traditional loans.
    2. The only options for quick funding are Merchant Cash Advance and private term loans. These potentially devastating loans carry exorbitant fees and high daily or weekly payments.

    So, I created the SBA Loan Program. We offer quick, easy access to capital, without the exorbitant fees associated with Merchant Cash Advance and private term loans.

    Want to explode your business growth?

    There are hundreds of lenders to choose from, all promising to fund you quickly and easily. I’ve made it my mission to give you the capital you need to slash your debt, expand your business, improve your business’ cash-flow and overall financial health.

    Here’s how our program compares to others:

    You get all of the benefits of an Merchant Cash Advance or Private Term loan.

    . without any of the potentially devastating dangers of an Merchant Cash Advance or Private Term Loan

    You can see how the exorbitant daily payments of Merchant Cash Advance or private term loans threaten to slaughter your bottom line. When the fees become too much to handle, many business owners try to stay above water by taking out additional Merchant Cash Advances. Unfortunately, this is a fast track to business bankruptcy.

    Even if you’re currently in this situation,

    SBA Loan Program can help.

    Slash your debt and grow your business with our Small Loan Advantage Initiative 7(a)

    You might be wondering how we can offer this loan. Here’s the deal: In 2013, the SBA promised to help small- to mid-sized businesses get easier access to capital. In essence, they saw Merchant Cash Advance and private term loans from a 1,000 ft view. They recognized the advantages of quick, easy access to capital but also, the crippling consequences of ridiculously high fees and exorbitant rates.

    To deter business owners from making a hasty decision in favor of Merchant Cash Advance or private term loans, they created the Small Loan Advantage (SLA) Initiative 7a loan. The program has reduced documentation requirements and streamlined guidelines, making it easier and more appealing than ever for business to borrow from the SBA.

    Sba loans




    Loans For Business Acquisition – Direct Lender Payday Loans, business acquisition loans.#Business #acquisition #loans


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    Small Quick Business Loans, Bad Credit Loan – Financing, fast business loans.#Fast #business #loans


    Business Funding as Quick as 48 Hrs

    Fast business loans

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    High approval rates

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    Credit scores below 500 accepted

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    No collateral programs available

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    24 hour approvals

    Welcome to Simply Quick Business Loans. We are a full service provider of business loans. Our loan approval rates are very high and we can close and fund your business loan very quickly.

    We have business loans for all types of situation, whether you need short term working capital for expansion or inventory, you need to purchase equipment or refinance your commercial or investment property, we can help.

    We even offer cash out refinance options.

    We offer loans to business owners that have great credit and financials and those how have had past credit problems and financial losses. Whichever the case, we can guarantee the best rate and terms for which you qualify. We can normally prequalify and preapprove your loan the same day in most cases but normally within 24 hours.

    We can approve and close your loan even when the bank says No! We say Yes!

    Specializing in all types of credit for business loans

    Fast business loans

    Simply Quick offers secured loans, but we specialize in unsecured business loans to help companies all over the United States. We know that a quick infusion of cash into your business can help you accomplish so many different things:

    Fast business loans

    Fast business loans

    The list goes on. When we extend our quick business loans, we do not put a lot of restrictions on the money. You get to spend the money however you see fit to bolster your business. We would never try to compromise your control over day-to-day operations.

    Who we help Fast business loans

    Who we help Fast business loans

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    Raise your hand if you have felt the frustration of dealing with traditional banks and lending sources. Banks are not in business to help small business owners run their business. Banks want your deposit accounts, car loans and mortgages. At Simply Quick Business Loans, Small Business Loans is our business and its ALL we do. We understand the day to day challenges a business owner has while running his or her business.

    How to get one of our business loans

    The best part of it all is that we have simplified the process so that small business financing is easily accessible to both you and your company. All you have to do is apply online or over the phone. Your application will be processed quickly and a decision will be made in a day or two. Once you are approved, you will get the money you need the very quickly. A large portion of applicants are approved for our quick business loans. This is significantly higher than big banks, which turn down even more applicants than we accept. We are looking out for small businesses because someone has to!

    How it works

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    Online – This is the fastest route to approval

    Complete a short online application and upload your documents. Respond to questions and documentation request quickly.

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    To send you an application package

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    855-85-FUNDS

    Speak to a representative today

    At Simply Quick Business Loans, we want to keep it simple. When you’re ready to get your business loan from us, here’s how it will work.

    1. The first thing you will do when visiting our website is to complete a short online contact request and questionnaire or call 844-990-9905.
    2. Next, our financial team will contact you questions regarding your application and may also ask for additional documentation before submitting your loan for approval. The faster you respond to these questions, the closer you are to getting your Simply Quick Business Loan.

    We created this short application process to make applying for your small business loan a uniquely simple experience. Our team will work hard for your business because we know how hard you work. Once the approval has been made we can get your funds to you quickly so your business can keep running without a hitch. We want to help you be our next success story.

    Here are a few of the benefits of choosing a Simply Quick Business Loan:

    • We work with great credit scores and scores thought to be traditionally “bad” as low as 450.
    • Simply Quick Business Loans has short term loans that require no collateral and equipment and real estate financing for commercial and investment real estate
    • Approvals can happen in as short a time as 48 hours but often occur much faster. To ensure the fastest possible processing of your online application, be sure to respond to all of our financial expert’s questions and emails.

    If there is one thing we know for sure, it is the dedication of our customers to keep their businesses going that cannot be stopped and that makes us want to continue to offer quick business loans. A business never knows what challenge may be coming around the corner. Encountering a financial hardship or unbudgeted expense is not a sign of a poorly run business and we know that. We will do everything in our power to get you financed fast.




    Short-term Business Loans at, fast business loans.#Fast #business #loans


    Short-term business loans

    Most businesses will need to borrow money at some stage either to help with cashflow, or to pay for expansion costs, and a short-term business loan can provide the ideal solution. Although recent years have seen a reduction in the number of business loans on offer, there are still plenty of options available to explore.

    The providers below are ranked by the following scenario; taking out a loan of £10,000 over 6 months. Ranked by the least you would need to pay back in total over the period.

    Rates from 4.5% per year. Terms from 6 months – 5 years

    Apply online get a decision typically in 24 hrs

    You ll have a dedicated Account Manager from start to finish

    Minimum criteria: Two years+ filed accounts at Companies House or formally prepared accounts for non-limited businesses.

    Fast business loans

    Borrow up to 250,000 unsecured and up to 500,000 secured

    Terms from one month – four years

    If approved, funds are sent within hours of signing your agreement

    Early repayment fees do not apply – repay early, pay less

    Top-ups and payment holidays available after three months of successful repayments

    Fast business loans

    Only see loans you are eligible for

    Searching has no impact on your credit score

    Service is completely free to use

    Choose which providers you deal with

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    If approved, funds can be in your bank account within hours

    Early repayment fees don t apply

    Fast business loans

    How our site works

    We want to show you short term business loans from as many lenders as possible, so you have plenty of choice. Not all lenders want to be included on comparison websites, so we can’t promise to show you loans from every single one. We’ve looked at how much it would cost to borrow £10,000 over 6 months, including fees, and we’ve ranked the lenders from the cheapest to the most expensive. You can find out more about how we work here.

    Advantages of short-term business loans

    The main advantage of opting for a short-term business loan is that you know your business will only have to make repayments for a limited period of time. You will also usually pay less interest overall than if you opted to repay what you owe over a much longer term, such as five years.

    Disadvantages of a short-term business loans

    Choosing to take out a short-term business loan may mean that you will be able to pay off what you owe quickly, but bear in mind that your repayments will be much higher than if you opted to repay your long over a medium or long-term period. Interest rates can be very high on short-term borrowing, so it’s worth comparing lots of different loans to ensure you find the right deal for your business’s needs.

    What else you need to know

    Difficult economic conditions in recent years have made it harder for businesses to borrow money. To apply for a business loan, your business may be required to have a minimum monthly turnover, and you may have to show a set number of accounts, usually two or more years.

    Remember too that the actual rate of interest you will be charged on a short-term business loan will depend on your business’s individual circumstances, the amount you want to borrow, and over what period you intend to pay off what you owe.

    Alternatives to a short-term business loan

    If you don’t think your business will be able to pay off any borrowing over a year or less, then you might want to consider a medium or long-term business loan which can be repaid more slowly.

    Other options include using a business credit card for any immediate expenses. These can also be a useful way to manage staff spending. You could also speak to the provider of your business bank account about arranging a business overdraft which can provide you access to funds as and when you need them. You can usually arrange an overdraft for a 12 month period, at which point it will have to be renewed.

    Businesses can also raise funds though cashflow finance, which allows then to borrow against the value of their




    Finance and support for your business, government business loans.#Government #business #loans


    Finance and support for your business

    Access to finance is a scheme for businesses who need help raising finance for growth.

    Provides free business development support and guidance.

    Loan and grant fund to support automotive and aerospace projects in the West Midlands and Liverpool.

    Training and advice to encourage the establishment of co-operatives.

    Advice and support for businesses in southern England.

    Business advice and support for individuals starting a business.

    Advice on good practice in employment and employment relations.

    Specialist advice and training for problem solving and service provision in agriculture, animal health, food, environment and biosciences in Northern Ireland.

    Grants and support to increase research, development and innovation in agritech.

    Helps businesses employ apprentices by providing them with training opportunities.

    Business support, training and advisory services for the Ards Borough Area.

    Armagh Business Centre offers tailored support for businesses in Nothern Ireland.

    Loans for new and existing small businesses to create and safeguard jobs in the West Midlands

    Grants for programming costs, organising and running arts programmes in Nothern Ireland.

    Funding for creative organisations and projects in Wales

    Vouchers to access external expertise, facilities and equipment to help your business innovate and grow.

    Information and guidance on working in environment with asbestos.

    Specialist advice for small businesses based in Northern Ireland.

    Training of motor mechanics in electronic diagnosis of faults.

    Free support, help with finance and low-cost flexible workspace for new and existing small or medium businesses in Barking and Dagenham.

    Loans to help small and medium-sized businesses develop and grow.

    Offers free support and guidance for graduates of any university in England, Scotland, Wales and Northern Ireland to start a business.

    Support for beef and sheep farmers in Wales.

    Subsidised broadband installation for businesses that can’t access an affordable broadband service with a speed of at least 2MB per second.

    Free, quick and easy access to a directory of approved finance suppliers for UK businesses.

    Big Issue Invest helps social enterprises and charities by providing loans and investments.

    Support for scientists and business specialists to solve a process, material, or product development challenge.

    Advice and support for businesses across Lancashire: including coaching, mentoring, skills training, funding and start-up support.

    Business grants to install high speed broadband connections directly to a premises in Cardiff and Swansea

    Funding for the installation of broadband to areas in Wales where existing providers don’t provide a service.

    Grant funding to the value of £1,000 available to invest in projects that will help grow your business.

    Free business support and advice tailored to your business needs.

    Grants to help Swansea City centre businesses improve their shopfronts or building facades

    Free support for small and medium-sized businesses in the development of products and services that reduce carbon usage.

    Free one to one advice for pre-start and new businesses based in the South East of England

    Advice, workshops, loans and innovation grant services for start-up and trading businesses in Cambridgeshire, Essex, Norfolk and Suffolk

    Free advice, planning and on-going support for business start-ups in south-east England

    Advice on topics like licensing, finances, recruitment and development for new and established businesses based in Wales

    Information, advice, training and support for businesses based in North Somerset

    Start-up advice and support for businesses in Essex

    Advice, databases, publications and workshops for business owners, innovators and entrepreneurs who want to grow.

    Programmes to support businesses and social enterprises in Northern Ireland.

    One-to-one advisory sessions and specialised workshops available for businesses in Derbyshire, Nottinghamshire and Greater Lincolnshire.

    Alternative financing for UK small business owners.

    One-to-one and online business advice from 6 business centres on starting, growing or relocating your business in East Riding.

    Business planning, sales, marketing and social media workshops and advice for Tees Valley residents thinking of starting a business.

    Increases awareness of business continuity management in Manchester’s business and voluntary sector.

    Start-up and development grants for businesses in Wales.

    Grants to help start-up and established small and medium-sized businesses (SMEs) in North Yorkshire to grow.

    Energy reviews and grants to help businesses in the West Midlands manage and reduce energy costs.




    Business Loan Opportunities for Military Veterans in 2014, The U, business loans for veterans.#Business #loans #for #veterans


    Business Loan Opportunities for Military Veterans in 2014

    The service of veterans has done a tremendous amount for the United States – on our own soil and around the world. Many continue their contributions to the country by channeling their skills and leadership into entrepreneurial endeavors that help strengthen our economy.

    And now through the rest of the fiscal year, SBA’s Express Loan Program will make it easier to get loans in the hands of veterans so they can succeed in their business ventures.

    Through the end of September, SBA has set the borrower upfront fee to zero for all veteran loans authorized under the SBA Express program, which supports loans of up to $350,000.

    Additionally through the end of the fiscal year, fees on all loans (and not just for veterans) $150,000 and under are set to zero.

    These initiatives make the loans cheaper for the borrower, which is just another way SBA is looking to serve small business owners – and those veterans who have served us – as they look for ways to access capital.

    About the Express Loan Program

    One great feature of the Express Loan Program is that it has an accelerated turnaround time for SBA review. You’ll receive a response to your application within 36 hours.

    With a fast turnaround, streamlined process and easy-to-use line of credit, this program is SBA’s most popular loan delivery method – nearly 60 percent of all 7(a) loans over the past decade being authorized through the program. Since the program began, it has also been one of the most popular delivery methods for getting capital into the hands of veteran borrowers.

    Interested in exploring loan options to get your business started? Check out these loans that fall under Express Program standards. Our business loan checklist can also help prepare you for the application process, in addition to taking a look at the credit factors lenders will consider when you apply for an SBA-backed loan.

    In the transition from military service to customer service, you’ll find great resources from SBA to help you find success. And if you’re looking for funding to get your business off the ground, these loan perks may make it possible to do just that.

    About the Author:

    Business loans for veterans




    Medium to Long-term Business Loans, business loans rates.#Business #loans #rates


    Medium to long-term business loans

    Most businesses need a financial helping hand to either get them off the ground or expand and a medium to long-term business loan can be one of the best ways to get funding. It’s not as easy as it once was to find business loans, but the major banks still all offer them and if your business plan, credit score and homework is all in place, it’s certainly worth applying.

    You can get insurance from these companies through MoneySuperMarket, but this doesn’t include every single insurer on the market.

    Fee free small business loans from 1,000 up to 35,000

    Pay back terms to suit you – borrow for one year, or up to 10 years

    Business loans rates

    Small Business Loan

    Rates from 4.5% per year. Terms from 6 months – 5 years

    Apply online get a decision typically in 24 hrs

    You ll have a dedicated Account Manager from start to finish

    Business loans rates

    Searching has no impact on your credit score

    Service is completely free to use

    Choose which providers you deal with

    Business loans rates

    To complete your application you will need:

    -Your basic personal and business details (Esme may ask for photo ID)

    Business loans rates

    How our site works

    When you’re looking for a medium to long term business loan, we want to give you as much choice as possible, so you can choose what’s best for you. Some lenders don’t want to be included on comparison websites, so we can’t promise to show you every single one. We show high street banks at the top of the list, with other lenders further down. We rotate the other lenders on the 1st of every month, so the ranking order changes regularly. You can find out more about how we work here.

    Medium to long-term business loans

    Setting up a business or expanding your current one can be expensive. Some people opt to fund it themselves but for many, this is impossible and chances are you’ll need financial support.

    The reason many business owners prefer a medium to long-term business loan is so they can be certain that they will have funding in place to support their enterprise for several years. In turn, this will help them plan and budget.

    Here, we take a closer look at some of the advantages and disadvantages of medium to long-term business loans…

    Longer term loans

    A medium to long-term business loan typically enables you to borrow money to help your business for one to five years.

    The loan is repaid in monthly instalments, with interest added to the amount you owe. There are two types of business loan:

    • Fixed rate of interest: Your payments won’t change over the term of the loan.
    • Variable rate: The amount you owe could vary over the loan term.

    Make sure you know which you are getting into as this could have a real impact on budgeting for your business.

    Advantages of a medium to long-term loan

    A medium to long-term business loan can help with all the costs associated with setting up a business, from cashflow to expenses and paying staff.

    The longer the term of your loan, the lower your monthly payments will be, as you are spreading the cost over a longer period of time. This can be useful when you are trying to get your business off the ground, as it means you won’t have to make high monthly payments at a time when there will invariably be plenty of other set-up costs to consider.

    Disadvantages of a medium to longer term loan

    Taking out a business loan over a longer period may mean that your payments are lower than if you’d opted for a shorter term loan, but remember that ultimately this means you will pay more interest overall.

    How much interest will you pay?

    The amount of interest you must pay on a business loan will depend on your individual circumstances, including how much you want to borrow and over what period of time. If your business is just starting out, the lender will usually want to look at your personal credit rating to give them an idea of how responsibly you manage your money. The higher your credit score, the more likely you are to be offered a loan at a competitive rate of interest.

    Alternatives to medium to long-term business loans

    As well as loans, there are several other ways that business can secure funding. You may, for example want to use a business account overdraft which can provide you access to funds as and when you need them, making them useful for any unforeseen expenses. Business overdrafts are usually available for any period up to 12 months.

    Alternatively, you may want to consider a business credit card. These can provide a useful way to manage staff spending and usually give up to 56 days interest-free credit.

    Other options include cashflow finance, which enables companies to borrow against the value of their unpaid invoices, and borrowing against assets, for example your business’s property or equipment.




    Money to Start or Expand a Small Business, government small business loans.#Government #small #business #loans


    Money to Start or Expand a Small Business

    Government small business loans

    Right off the top. The U.S. government does not currently provide direct grants to individuals for starting or expanding a small business. However, the government does offer plenty of free help in planning how to start or improve your business and in securing low-interest SBA-backed small business loans. In addition, many states DO offer small business grants to individuals.

    SBA does not offer grants to start or expand small businesses. SBA s grant programs generally support non-profit organizations, intermediary lending institutions, and state and local governments in an effort to expand and enhance small business technical and financial assistance. — Source: SBA

    The SBA is the U.S. Small Business Administration. Since 1953, the SBA has helped thousands of Americans start small businesses. Today. SBA offices in every state, the District of Columbia, the Virgin Islands and Puerto Rico assist with planning, financing, training and advocacy for small firms. In addition, the SBA works with thousands of lending, educational and training institutions nationwide.\

    Can the SBA help you?

    If your business is or will be independently owned and operated, not dominant in its field, and meets the maximum business size standards required, then yes, the SBA can help you. Here s how:

    Federal Government Contracting Resources

    Small businesses sell billions of dollars worth of goods and services to the US federal government every year. Many government agencies require that some percentage of their contracts for goods and services be awarded to small businesses.

    Here you will find the resources you need to help your small business become established as a federal contractor, find business opportunities, and the rules and regulations that federal contractors need to follow.

    Government Resources for Women-owned Businesses

    According to the Census Bureau, women-owned nearly 30 percent of all nonfarm businesses in the United States in 2002, when the nearly 6.5 million women-owned businesses generated more than $940 billion in revenue, up 15 percent from 1997.

    Here you will find information on US government programs that help women entrepreneurs start, grow and expand their businesses.

    Finding State-Based Small Business Grants and Funding Hot Prospects

    Small business financing incentives are an important part of every state s economic growth plan. Some states even offer small business grants. Other small business incentives could include subsidized rates on SBA loans, tax breaks and participation in business incubator programs.

    Small Business Lending Fund (SBLF)

    The SBLF will ultimately provide up to $30 billion to small community banks to be used for making small business loans. The dividend rate a community bank pays on SBLF funding is reduced as that bank increases its lending to small businesses — providing a strong incentive for new lending to small businesses so they can expand and create jobs.

    State Small Business Credit Initiative

    In the tradition of the best sources of funding for small businesses coming from state governments, the new State Small Business Credit Initiative (SSBCI) – a component of the Small Business Jobs Act – will strive to generate at least $15 billion in locally-available small business loan programs intended to help small business grow and create new jobs.

    Small Business Health Care Tax Credit

    The health care reform law – the Patient Protection and Affordable Care Act – provides an immediate small business tax credit to help small businesses afford health insurance coverage for their employees.




    SBA Loan Rates – Current Interest Rates and How They Work, business loans rates.#Business #loans #rates


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    Business loans rates

    SBA Loan Rates Current Interest Rates and How They Work

    There are three primary types of SBA loans: SBA 7A Loans, SBA Express Loans, and CDC/504 Loans. SBA 7A loans and SBA Express loans can be used for a wide variety of purposes, including growth capital and refinancing. CDC/504 loans, on the other hand, are specifically for the purchase of fixed assets like real estate and heavy machinery.

    November 2017 Maximum interest rates on SBA 7A Loans range from 6.5 % to 9 %. Full Table

    November 2017 Maximum interest rates for the CDC portion of CDC/504 Loans currently range from 4.08% to 4.43% including fees. Full Table

    Before reading further, make sure you are qualified. Though there are exceptions, and startups are sometimes eligible, there are five general requirements for getting an SBA loan:

    • In business at least 2 years
    • Personal credit score is 680+ (check your score for free here)
    • Seeking at least $30,000
    • At least $50,000 in revenues for the past 12 months
    • Business is profitable

    Sound like you? We recommend applying with SmartBiz. They are the best company we have found at providing quick turnarounds on SBA loan approvals, and you can find out how much you qualify for in 5 minutes.

    Current SBA (7A) Loan Interest Rates and Explanation

    The Small Business Administration (SBA) sets the maximum interest rates that banks can charge on 7A loans. The current maximum interest rate ranges from 6.5% 9%, depending on the size of the loan and the amount being borrowed.

    The maximum interest rates on SBA 7A loans are also based on market interest rates. As market interest rates change, so will the maximum interest rates on these loans.

    Maximum Interest Rates on SBA 7A Loans for November 2017

    Detailed SBA 7(a) Interest Rate Explanation* Please note SBA 7A Express loans carry a higher interest rate for similar size amounts and terms than the standard 7A loans above. We recommend avoiding SBA Express loans as firms like SmartBiz can provide approval for the standard 7A with similar turnaround times.

    As the table above shows, the maximum interest rate on SBA 7(a) loans is based on three factors:

    1. A base rate (one of the following publicly available interest rate measures): Prime Rate, LIBOR (one month) + 3.0%, or SBA Peg Rate
    2. The term of the loan: Less than 7 years or greater than 7 years. For example, 3 and 5 year loans would all fall into the same category of under 7 years.
    3. The size of the loan: Under $25,000, $25,000 to $49,999, and over $50,000. For example, loans of $30,000 and $45,000 will fall under the same category.

    As the table shows, loans longer than 7 years have a maximum interest rate which is half a percent higher than similar size loans that are for terms that are less than 7 years.

    Loans for more than $50,000 have 1% lower maximum interest rates than loans between $25,000 and $49,999 when taken for similar terms. Similarly, loans for $25,000 to $49,999 have 1% lower maximum interest rates than loans for less than $25,000.

    Fixed vs. Variable SBA Interest Rates

    7A loans can have a fixed or variable interest rate. With a fixed rate loan, the loan interest rate remains constant throughout the life of the loan. With a variable rate loan, the loan’s interest rate can change (often referred to as a reset) at regular intervals, such as quarterly or monthly.

    With variable rate SBA 7A loans, the rate is reset based on one of three publicly available market interest rate numbers, plus a fixed percentage. The interest rate must always be at or below the maximum interest rate set by the SBA. For smaller size SBA loans (for example those under $500,000), banks tend to offer only variable rate loans, with interest rates at or close to the maximum allowable by the SBA.

    The Base Rate And Interest Rate Resets

    Banks can choose one of three market interest rate measures as their base rate. These are the prime rate, LIBOR + 3.0%, or the SBA peg rate. While there are small differences between these rates, they tend to track each other very closely. The Prime Rate is the one that s most commonly used.

    Rates as of November 1, 2017:

    • Prime Rate: 4.25% (source: WSJ)
    • LIBOR (one month) + 3.0%: 4.24% (source: Bankrate)
    • SBA PEG Rate: 2.625% (source: National Association of Government Guaranteed Lenders)

    These rates can go up or down based on market conditions. Currently, they are at decade low levels. Over the last 10 years, the Prime Rate has been as high as 8.3%.

    With a variable rate SBA 7A Loan, as market interest rates rise so will the rate on the loan. Let’s take the example of a 10-year loan for $50,000 with interest rates rising by 2%.

    The maximum interest rate on the loan currently would be 7.75%, with a monthly payment of $600 per month. With a 2% rise in interest rates upon the interest rate reset, the rate would be 9.75%, with a monthly payment of $654 (this would be the monthly increase for a newly issued loan. If the loan was older, the increase in monthly payment would be lower).

    Interest Rates Are Not The Only Costs To Borrowing Money: APR/APY

    When taking a loan, there is often an origination fee. This fee supposedly covers the costs of the bank or financial institution of making the loan, including marketing costs. However, the origination fee is not directly based on costs and is arbitrarily set by the financial institution. An origination fee of 4% is not unusual. The fee is typically taken “off the top”. For example, a borrower taking a $50,000 SBA loan with a 4% origination fee would only receive $48,000.

    SBA 7(a) loans also have a guarantee fee. Initially, the lender pays this fee to the SBA, but it s almost always passed on to the borrower at closing. Currently, the SBA has waived fees for loans under $150,000. Above that, the fee typically ranges from 3 % to 3.5 % of the guaranteed portion of the loan. The exact percentage depends on the size of the loan and the length of the loan. For example, if a borrower takes a $250,000 10-year 7a loan, the SBA may guarantee 75 % of that, or $187,500. 3 percent of that amount, or $5,625, is the guarantee fee that will be charged to the borrower. For more info, click here.

    The true cost of borrowing money (interest rate + fees) is often called the APY (Annual Percentage Yield) or APR (Annual Percentage Rate). On a ten year SBA loan, the effect of fees can create an APR or APY that is around 1% higher than the loan’s interest rate. The shorter the loan the bigger the impact that fees will have on the APY/APR.

    What size SBA loan could you qualify for? Apply with SmartBiz and get an estimate in minutes.

    November 2017 SBA Loan Rates On Real CDC / 504 Loans

    The Small Business Administration (SBA) sets the maximum interest that banks can charge on CDC/504 loans. The current maximum interest rate ranges from 3.83% to 4.56%, depending on the size of the loan and the amount being borrowed.

    The maximum interest rates on CDC/504 loans are also based on market interest rates. As market interest rates change, so will the maximum interest rates on these loans.

    While a 7A SBA Loan can be used to purchase real estate, a Real CDC / 504 Loan will tend to provide borrowers with tremendous interest rate savings. A CDC / 504 loan is composed of two loans:

    1. A loan from a financial institution (bank) for typically 50% of the price of the property, equipment, and building upgrades.
    2. A loan from a Certified Development Company (a non-profit) for 40% of the price.

    The remaining 10 % is a down payment from the borrower. The interest rates on the bank portion of the loan are not set by the SBA. However, the interest rates on these loans tend to be very low, currently in the mid-single digits. Because the bank loan is senior to the CDC loan and the loan is backed by real-estate, there is a low risk that the bank will not be able to get back the money it loans. The low-risk is reflected in the low-interest rates.

    The maximum interest rate on the CDC portion of the loan is set by the SBA.

    If you re in the market for commercial real estate and will occupy at least 51% of the space, you may be a good candidate for an SBA 504 loan. We recommend working with Liberty SBF for SBA 504 loans. If you have credit score is above 680 (check here for free), you ve been in business 4+ years, are profitable, and need more than $1,000,000, speak with Liberty SBF today.

    If you need a commercial real estate loan of $500,000 $5,000,000, another option is a 7(a) loan with a 25-year repayment term. If you have a credit score above 680 (check here for free), you ve been in business 3+ years, are profitable, and will occupy at least 51% of the space, get prequalified in minutes with SmartBiz.




    How Do Business Loans Work, Fortress Funding, how do business loans work.#How #do #business #loans #work


    How Do Business Loans Work?

    What Options Are Available To You?

    Traditionally the “Big Four” banks have all offered pretty much the same stuff. That is if you want to borrow money for a business purpose the price goes up. As well as this you need to track down a banker that can take the time to understand your business and appreciate things from your side of the desk, not just the Credit Department’s side of the desk.

    There is not question, its getting harder and harder to get good service in the Small to Medium Business, (SME), sector. In fairness to the “Big Four” its hard for them as well. They want it do but they are pushing their managers, branches and infrastructure in general as hard as they can and that rarely co-exists with relationship building and great service.

    Its not just pricing and access to good service or advice that makes loans for SME’s hard everything else gets harder as well.

    Here s How Business Loans Can Get Harder

    The loan term might be restricted putting cashflow pressure on your business

    Take this example of a commercial loan of $750 0000 for the purchase of a commercial warehouse.

    Commercial loan of $750,000 at 5.42% pa

    How do business loans work

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    • How do business loans work

    How Do Business Loans Work?

    How Do Business Loans Work? What Options Are Available To You? Traditionally the “Big Four” banks have all offered pretty much the same stuff. That is if you want to borrow money for a business purpose the price goes up. As well as this you need to track down a banker that can [. ]

    Looking at the loan in simplistic terms you would say the cost is 5.42%pa or $40650 each year in interest. However, when you look at all the other associated costs the bank is charging an average of $44890 per year. Effectively that’s 5.96%pa. or put another way an additional $21 200 over the 5 year period.

    In addition to this you have the hassle, and anguish, of having to prepare interims and hope that the bank remains happy.

    Every time you provide your lender information you risk something changing that you may not have anticipated. The opposite can be true but that’s usually only because you know how to “work the system”.

    When was the last time your bank manager rang you up and offered to reduce your lending costs?

    When was the last time your bank manager called you?

    Consider This

    Firstly, let’s be clear – you do not have to move your transaction banking.

    Commercial lenders love you transactional banking accounts. It gives them your funds on deposit for free, the ability to charge account keeping fees and the ability to look inside your business – without you knowing.

    New ways of funding commercial loans are out there. For example set and forget commercial loans and sometimes at home loan rates. Why would you pay commercial interest rates, have a shortened loan term and prepare interim financials if the bank could use equity in your home for your commercial loan?

    You can make this happen if you know which lenders to talk to and how to go about it. No disruption to your business banking accounts, your internet banking or credit cards – just cheap efficient loan accounts.

    Even if you prefer to, or already have offered your commercial premises as security rather than your home, (or a mix of the two), you can have a set a forget commercial loan with no ongoing fees over 20 years. There is of course always the option to go interest Only as well.

    Consider the information below, it’s for the same $750 000 that we looked at earlier.

    Commercial loan of $750,000 at 4.89% pa

    How do business loans work

    In this example the same loan costs an average of $37 087pa. over a 5 year period. That’s effectively 4.94%pa. (compared to 5.96%pa above).

    The only thing that has changed is we did it smarter!

    All your day to day banking stays in place uninterrupted. The cost of making the changes, (assuming an application fee of $1000 and a valuation fee of $1060) would be recovered in a couple of months.

    It s All About Who You Know

    Not all lenders are the same.

    The market is super competitive at the moment with fintech innovators and new banks coming into the market and in particular into the commercial market. It’s no longer the exclusive domain of the “big four”. Many of these lenders are choosing to get to their clients via brokers. Its gives them the benefit of cheaper distribution channels but more importantly reduces their costs which are then reflected in what they charge you, the borrower.

    More importantly they are hungry to do business and there are many ways that we can take advantage of this. You can take advantage of it all, with a little help from someone in the know.

    Understanding the lenders and their niches and combining that with finding the right people inside these lenders is always far more likely to get you a suitable and sustainable outcome that might be just right for you. Sometimes it’s a combination so lenders or lender products, sometimes it’s a “re-jig” of your loan products after come consultation with your accountant. Sometimes it’s about releasing a security property like the family home for example and sometimes it’s about separating out your liability from that of your business partner’s liability.

    It s A Bit Like Goldilocks And The Three Bears

    The three Big Bears are:

    1. Why do commercial loans cost so much?
    2. Why do I need to spend so much money and time simply maintaining the loan going forward?
    3. How do I find the right bank and bank manager that has the time to understand my business?

    How do business loans work

    Goldilocks is obviously “Just right”. That is a combination of a well priced maintenance free loan portfolio with the support of an experience broker that can ensure that your needs are understood and met by the lender on an ongoing basis.

    The one thing for sure is that it’s not just a matter anymore of turning up to your local branch, filling in a form and hoping for the best!




    SBA Small Business Loans, Guidant Financial, sba business loans.#Sba #business #loans


    SBA Small Business Loans

    Low-interest funding for new and existing businesses.

    Traditional Low-Interest Lending

    Small Business Administration (SBA) loans offer a practical method of small business financing for entrepreneurs looking to start, buy or expand a business. You can use the funds to purchase real estate, cover construction costs or to use as working capital.

    SBA small business loans offer attractive repayments terms and low interest rates. The loans are typically not directly from the SBA. Rather, the SBA encourages banks to lend to small business owners with preferable terms and multiple loan options. In return, the SBA guarantees 75 to 85 percent of the loan for the bank if the loan defaults.

    Guidant offers consulting services and packaging assistance for both SBA 7(a) loans and working capital loans.

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    Learn about SBA loans from the industry experts

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    Learn how the SBA Loan process works in our guide to business funding

    Find the best option for you

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    Use your retirement funds as a down payment on an SBA loan

    Learn how in this eBook

    Sba business loans

    Short on time? Sign up to learn how to fund your business fast

    Join us for a live webinar

    What is an SBA 7(a) Loan?

    Small Business Funding You Can Depend On

    SBA small business loans offer up to $5 million in financing that can be used for almost any business purpose, including start-up, acquisition or expansion. Loan proceeds can be used as working capital, revolving funds, or to purchase real estate, equipment, inventory, etc.

    Preferred by lenders and small business owners alike, SBA loans promise low interest rates, longer repayment terms and no ballooning costs, making monthly payments manageable for small business or franchise owners. Additionally, SBA 7(a) loans can be combined with other forms of small business financing to help you reach your funding needs. In fact, you could even use money from your retirement account to cover the down payment for an SBA loan with 401(k) business funding.

    Criteria Summary for SBA 7(a) Loans

    Sba business loans

    Funding Amount
    • $75,000 $5 million
    • Minimum $75,000

    Sba business loans

    Eligibility
    • 20% down payment for an existing business
    • 30% down payment for a start-up business
    • 640+ credit score
    • Personal collateral required
    • Industry experience preferred
    • Secondary income preferred

    Sba business loans

    Benefits
    • Low interest rates
    • Longer repayment terms
    • No ballooning costs
    • Can be combined with other forms of financing

    Sba business loans

    Time to Fund
    • 2 – 4 Months
    • Must have business to fund

    What is an SBA Working Capital Loan?

    Expand Your Growing Business

    Working Capital loans offer a simple small business financing solution for entrepreneurs needing $50,000 – $150,000 for business operations. These loans provide the same government guarantee and low interest rates as traditional SBA loans, but they can close in as little as 45 days — about half the time it takes to close a traditional SBA loan.

    Unlike other business loans that a require 20 – 30 percent down payments and must be secured by personal collateral, Working Capital loans only need 10 percent down and are secured by your business assets. Plus, Working Capital loans can be used in conjunction with Rollovers for Business Start-ups, so you can leverage your retirement funds to cover the down payment for the loan.

    Criteria Summary for SBA Working Capital Loans

    Sba business loans

    Funding Amount
    • $50,000-$150,000
    • Minimum $50,000

    Sba business loans

    Eligibility
    • 10% down payment
    • 690+ credit score
    • Paid franchise fee prior to funding (if applicable)
    • Business must be able to begin operations prior to funding
    • No recent bankruptcies

    Sba business loans

    Benefits
    • Low interest rates
    • Quick time to fund

    Sba business loans

    Time to Fund
    • 30 60 days
    • Must have business to fund

    Why work with Guidant for your SBA business loan?

    Sba business loans

    Your Shortcut to Success

    Guidant Financial makes it easy for qualified borrowers to obtain an SBA loan. Our streamlined process gives you immediate access to thousands of lenders with a single loan application. With our comprehensive loan package analysis, we ensure you’re matched with the lenders who provide the best loan rates and the greatest chances of approval. Guidant clients have a 96 percent funding success rate once a loan offer is secured from a lender.

    Not only will we help you find the lender that’s right for you, but we ll provide overall guidance through the SBA process and in-depth document review to ensure you have everything in line for approval.

    Sba business loans

    Simplified Loan Application

    Loan applications are extremely detailed and take a lot of work to put together. If you’re shopping lenders independently, each bank will require a separate application. But by working with Guidant, you’ll only need one loan application, which we’ll send to our large network of lenders to help you find the perfect fit.

    Sba business loans

    Better Terms

    When banks compete, you win. Because Guidant can apply to several lenders with a single application, we’re often able to present you with multiple loan offers, meaning you’ll have more flexibility when choosing your terms and conditions.

    Use Your Retirement Funds as a Down Payment on an SBA Loan

    ROBS + SBA: Keep Your Rainy Day Savings Intact

    One of the most beneficial ways to combine financing methods is to use 401(k) business financing with an SBA loan. This allows you to leverage your retirement funds for the loan down payment without triggering any tax penalties.

    While both SBA loans and 401(k) business financing have advantages as stand-alone programs, together they can increase your business budget, help protect your savings and lower your monthly payments.

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    Small Business Loans for Women in Canada, business loans for women.#Business #loans #for #women


    Small Business Loans for Women in Canada: For Women Only

    Business loans for women

    Business loans for women

    These small business loans for women in Canada are available only to women-owned businesses (or women about to start a woman-owned business). That is, the business must be 50 percent or more owned or controlled by a woman or women.

    Other sources of business financing and assistance in Canada that are available to both women and men, such as the Canada Small Business Financing Program to name just one, are not presented here.

    (For more sources of small business loans and business assistance programs, see Finding Small Business Financing.)

    Where you live also matters, as some women’s small business loan programs are only available to residents of particular areas.

    But the good news is that if you are a woman looking to start a business or expand an existing small business, small business loans are available – and even the occasional small business grant. See if you fit the criteria for any of the following programs.

    Small Business Loans for Women in Eastern Canada

    Atlantic Canada Opportunities Agency (ACOA) Women in Business Initiative

    The ACOA Women in Business Initiative focuses on improving the access of women to business financing. To do this, ACOA (Atlantic Canada Opportunities Agency) has partnered with Development Corporations throughout the region.

    There are more than 40 Community Business Development Corporations (CBDCs) in the region as well as a multitude of urban lenders who are part of the program.

    Individual CBDCs offer loan programs from First-Time Entrepreneur Loans and Self-Employment Benefit Programs for people starting businesses through General Business Loans and Innovation Loans for people looking to expand or develop their businesses.

    Small Business Loans for Women in Central Canada

    Located in Thunder Bay, Ontario, the Paro Centre operates over 30 peer lending circles throughout the Thunder Bay, Greenstone, Patricia and Superior North regions. These groups of four to seven women meet monthly to exchange advice, provide support, approve and guarantee each other s loans and monitor payments .

    If you are a woman who wants to become economically independent by starting a business or finding a job, Paro also operates the Gateway: A Path to Self-Employment program which offers business development programming to women in Thunder Bay and area who are unemployed and eligible for Employment Insurance (EI), have been eligible for EI in the last three years or have been on maternity benefits in the last five years. Women receive Self-Employment Benefits (SEB) for the duration of the program.

    This Ontario government program supports low-income women who are seeking to start their own business by funding programs throughout the province. As of writing, for instance, the Thorncliffe Neighbourhood Office of Toronto is expanding its existing microlending program for newcomer women in Toronto’s Thorncliffe Park and surrounding areas to help grow or start their home-based businesses while the Welland Heritage Council offers a new microlending program for immigrant and Francophone women in the Niagara Region.

    If your company is majority-owned (51%) by one or more women your business could get between $5,000 and $35,000 in loans for a maximum of five years, depending on your region for the start-up, expansion or consolidation of your project. Customized training, mentoring, coaching and networking assistance is also available.

    Small business loans are available for women entrepreneurs who wish to start or develop a business through the local investment fund of the Portneuf CLD.

    Small Business Loans for Women in Western Canada

    The non-profit Women s Economic Initiative (WEI) has offices in each of the four western provinces and provides small business loans for women, as well as business information, advisory services and training options for women business owners.

    Their small business loans for women will provide debt financing of up to $150,000 for start-up, expansion or the purchase of an existing business.

    The following Women s Enterprise Centres administer the program (and provide a host of other services for women entrepreneurs):

    Small business loans for women up to a maximum of $100,000 are provided to help start, purchase or grow a viable business. You need to be able to demonstrate that your business idea is realistic and that you’re prepared to commit to it by submitting a comprehensive business plan along with your loan application.

    AWE provides women entrepreneurs in Alberta with small business loans of up to $100,000. AWE will assign you a Business Advisor when you apply who will lead you through the preparation of a business plan and the loans process.

    Women who wish to start, buy or already own a business in Saskatchewan can apply for small business loans of up to $100,000. You must work with a Business Advisor prior to applying for a loan.

    Like the other Enterprise Centres, the Manitoba Centre provides women with small business loans of up to $100,000. If you are applying for a loan of over $10,000, you will need to submit a completed business plan with your loan application. A Business Analyst will work with you throughout the process.

    There Are Other Sources of Financing Too

    Remember that the potential sources of small business financing listed here are by no means the only sources of small business loans for women entrepreneurs in Canada. You ll also want to check out the potential loans and grants in:

    It’s just that these programs are specially designed to help women start and grow their own businesses. And almost all of them offer support and advice as well as money to help your small business succeed.




    Sba Business Loans – Same Day Loan Phone Number, sba business loans.#Sba #business #loans


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    Small Business Loans, Citizens Bank, new small business loans.#New #small #business #loans


    Business Financing

    The funds you need to grow and thrive.

    We understand that financing can be critical to the success of your business. So we offer a suite of business lending solutions at competitive rates that can be customized to meet your needs. Choose from our small business loan and line of credit offerings below. Our Relationship Managers can help you determine the best financing solution for your business.

    Business Line of Credit

    Business or Equipment Flex Loan

    Business Term Loans

    Business Mortgage

    Business Line of Credit

    Access funds for short term uses such as purchasing inventory, paying accounts receivables, or managing seasonal needs.

    Business or Equipment Flex Loan

    Flexibility to finance various assets such as equipment, vehicles, or machinery with a short-term line of credit that turns into a term loan.

    Business Term Loans

    Purchase large assets and increase long-term liquidity.

    Business Mortgage

    Purchase, renovate, or refinance your commercial property.

    Determining your financing needs

    As you’re exploring financing solutions, this calculator can help you forecast your debt service coverage. This will help you determine whether you can currently afford the additional debt needed to boost your business.

    Our working capital needs calculator will help you determine how much of a small business loan or line of credit you should apply for to cover working capital needs for the next year. Simply enter your desired annual growth rate, current assets, and current liabilities, and your target current ratio to find out what you need.

    Whether you want to be rewarded for purchases or are looking for a low rate card, Citizens Bank’s Business Credit Cards offer a convenient way to make everyday purchases while improving your cash flow by extending the time between making purchases and paying for them.

    Every business is different. We d like to partner with you to understand your needs so we can help customize a business lending solution for you now, while also proactively helping you plan for the future. Simply answer a few questions, and we ll contact you to discuss your best financing options.




    Small Business Loans for Women in Canada, loans for women in business.#Loans #for #women #in #business


    Small Business Loans for Women in Canada: For Women Only

    Loans for women in business

    These small business loans for women in Canada are available only to women-owned businesses (or women about to start a woman-owned business). That is, the business must be 50 percent or more owned or controlled by a woman or women.

    Other sources of business financing and assistance in Canada that are available to both women and men, such as the Canada Small Business Financing Program to name just one, are not presented here.

    (For more sources of small business loans and business assistance programs, see Finding Small Business Financing.)

    Where you live also matters, as some women’s small business loan programs are only available to residents of particular areas.

    But the good news is that if you are a woman looking to start a business or expand an existing small business, small business loans are available – and even the occasional small business grant. See if you fit the criteria for any of the following programs.

    Small Business Loans for Women in Eastern Canada

    Atlantic Canada Opportunities Agency (ACOA) Women in Business Initiative

    The ACOA Women in Business Initiative focuses on improving the access of women to business financing. To do this, ACOA (Atlantic Canada Opportunities Agency) has partnered with Development Corporations throughout the region.

    There are more than 40 Community Business Development Corporations (CBDCs) in the region as well as a multitude of urban lenders who are part of the program.

    Individual CBDCs offer loan programs from First-Time Entrepreneur Loans and Self-Employment Benefit Programs for people starting businesses through General Business Loans and Innovation Loans for people looking to expand or develop their businesses.

    Small Business Loans for Women in Central Canada

    Located in Thunder Bay, Ontario, the Paro Centre operates over 30 peer lending circles throughout the Thunder Bay, Greenstone, Patricia and Superior North regions. These groups of four to seven women meet monthly to exchange advice, provide support, approve and guarantee each other s loans and monitor payments .

    If you are a woman who wants to become economically independent by starting a business or finding a job, Paro also operates the Gateway: A Path to Self-Employment program which offers business development programming to women in Thunder Bay and area who are unemployed and eligible for Employment Insurance (EI), have been eligible for EI in the last three years or have been on maternity benefits in the last five years. Women receive Self-Employment Benefits (SEB) for the duration of the program.

    This Ontario government program supports low-income women who are seeking to start their own business by funding programs throughout the province. As of writing, for instance, the Thorncliffe Neighbourhood Office of Toronto is expanding its existing microlending program for newcomer women in Toronto’s Thorncliffe Park and surrounding areas to help grow or start their home-based businesses while the Welland Heritage Council offers a new microlending program for immigrant and Francophone women in the Niagara Region.

    If your company is majority-owned (51%) by one or more women your business could get between $5,000 and $35,000 in loans for a maximum of five years, depending on your region for the start-up, expansion or consolidation of your project. Customized training, mentoring, coaching and networking assistance is also available.

    Small business loans are available for women entrepreneurs who wish to start or develop a business through the local investment fund of the Portneuf CLD.

    Small Business Loans for Women in Western Canada

    The non-profit Women s Economic Initiative (WEI) has offices in each of the four western provinces and provides small business loans for women, as well as business information, advisory services and training options for women business owners.

    Learn how to start your own business or side hustle, and discover strategies to attract customers and pump up your profits.

    Their small business loans for women will provide debt financing of up to $150,000 for start-up, expansion or the purchase of an existing business.

    The following Women s Enterprise Centres administer the program (and provide a host of other services for women entrepreneurs):

    Small business loans for women up to a maximum of $100,000 are provided to help start, purchase or grow a viable business. You need to be able to demonstrate that your business idea is realistic and that you’re prepared to commit to it by submitting a comprehensive business plan along with your loan application.

    AWE provides women entrepreneurs in Alberta with small business loans of up to $100,000. AWE will assign you a Business Advisor when you apply who will lead you through the preparation of a business plan and the loans process.

    Women who wish to start, buy or already own a business in Saskatchewan can apply for small business loans of up to $100,000. You must work with a Business Advisor prior to applying for a loan.

    Like the other Enterprise Centres, the Manitoba Centre provides women with small business loans of up to $100,000. If you are applying for a loan of over $10,000, you will need to submit a completed business plan with your loan application. A Business Analyst will work with you throughout the process.

    There Are Other Sources of Financing Too

    Remember that the potential sources of small business financing listed here are by no means the only sources of small business loans for women entrepreneurs in Canada.

    You ll also want to check out the potential loans and grants in:

    It’s just that these programs are specially designed to help women start and grow their own businesses. And almost all of them offer support and advice as well as money to help your small business succeed.




    Businesses Loans – 900 Loans Unsecured, loans for a business.#Loans #for #a #business


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


    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.




    Halifax UK, Loans, Get a Quote, Loan Guides & Apply Online, business loans online.#Business #loans #online


    Halifax Loans

    A loan with a twist.

    You could be in for a nice surprise with a loan from the Halifax.

    3.5% APR Representative on loans between 7,500 and 25,000.

    • Our loans are available to UK residents aged 18+
    • Loans available between 1,000 to 50,000
    • Lending and rate are subject to status.

    Get started with a loan from the Halifax

    Borrow between 1,000 to 50,000, and choose to make your monthly repayments over 1 to 7 years. A decision to offer you a loan is based on your individual circumstances.

    You can apply if:

    • you’re aged 18 or over
    • you’re not in full time education
    • you’re a UK resident (excluding the Channel Islands and the Isle of Man)
    • you re in paid employment or have a regular income.
    • you’ve not been declined for credit in the last month or have a history of bad credit

    Compare our loans

    Compare our loans to find a loan to suit your needs, and if you’re an existing Halifax current account customer for at least 1 month, you could get a quote online and could have the money in minutes.

    (for loans of 7,500 to 25,000*)

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    If you make an early settlement we may charge up to 58 days’ interest.

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    If you make an early settlement we may charge up to 58 days’ interest.

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    *Other loan amounts between 1,000 and 50,000 are available at different rates. Lending and rates are subject to status.

    Have a Halifax loan?

    Our borrowing guides

    Help guidance

    Making sure you get a fair deal

    We want you to find a product that s right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

    To find out more you can read the statement of responsibilities, which details what s expected of us, the lender and you the borrower.

    Loans are provided by Halifax. Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ.




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    Boost Your Business With Secured Business Loans – Willows Finance, secured business loans.#Secured #business #loans


    Secured business loans

    Secured loans on your residential, commercial or semi commercial property for business purposes can be used to give your business a boost when it needs in the most – or to grow your livelihood when your company is flourishing. From clearing business debt to financing business expansion, Willows Finance offer expert resources to help you source secured business loans which comprehensively meet your requirements.

    Our extensive industry knowledge and years of experience give us the flexibility to source the right finance for the right clients. Whether you are self-employed and own a semi-commercial property or are running a business with an adverse credit rating, our experienced team of experts will search our panel of lenders to bring you a personalised set of recommendations helping you to make an informed decision about the financial future of your company. Alongside extensive expertise in the field we could offer:

    • Fast completions, your finance when you need it
    • Up to 75% LTV (Loan to Value)
    • Business loans secured on commercial, semi-commercial and residential properties
    • Consideration for both standard and non-standard construction
    • Finance for both employed and self-employed clients
    • Interest only options
    • Help for businesses with adverse credit to source finance

    We arrange secured loans from a panel of lenders. We don t offer any other products and we don t provide financial advice, so if you are not sure what solution is best for you, you should seek independent advice before making a decision. You may also want to speak to your mortgage provider about a re-mortgage. The loans we arrange are secured against your property. This means that, unlike unsecured credit, if you don t keep up the repayments on the loan your property could be at risk of repossession. And like with most other types of credit, you could be charged arrears fees, which increases the cost of your loan, and your credit rating could be affected

    You can learn more about Willows Finance and about using secured loans for your business below. Alternatively, to get started, get in touch today on 01656 766 158 or submit a fast, confidential online enquiry form now a member of our team will be in touch as soon as possible to discuss your options with you.

    Why Work With Willows?

    Whether you require an injection of cash to keep your business on course during tough times or are looking for a very significant secured business loan to push your flourishing business even further we could help.

    We work with you to identify the right path for your business s financial future. By offering a personal service, our team are able to learn about you and your company. This ensures that the secured business loans we recommend are the very best available for your individual needs.

    When you contact Willows Finance you will be speaking to a member of our highly-trained team who will get the facts and the specialist guidance you need. We pride ourselves on providing a fast and friendly service from our experienced team of professionals.

    What are Secured Business Loans?

    Secured business loans are a finance option designed to release equity to businesses with property. If you own a commercial, semi-commercial or residential property, you may have the option to release funds in the form of a secured loan for your business. How businesses use this finance varies widely. From landlords looking to expand BTL (Buy To Let) portfolios, to small businesses looking to take on more staff and grow these loans can even be used to help businesses struggling with cash flow difficulties when times are tough.

    Our team are happy to help with any queries or inquiries you might have. Alternatively, if you d like to kick off the process and find the right loan for your business today, simply submit an enquiry form at Willows one of our experts will be in contact shortly.




    Secured Business Loans, secured business loans.#Secured #business #loans


    Secured Business Loans

    What are secured business loans?

    Secured business loans are higher-value business loans that require a borrower to offer something as ‘security’, usually a company asset such as property, land or equipment. This means the loan is ‘secured’ against one, or more, of these assets, which the lender can take if a business stops making repayments.

    Secured business loans differ to unsecured business loans, which don’t require any security. Businesses can generally borrow more with a secured business loan, with some lenders offering up to and above £1 million on a secured basis.

    Because lenders have a better chance of recovering money if it’s secured against a valuable company asset, they tend to regard secured business loans as less risky than unsecured business loans. As a result, lenders can be more flexible with their terms, giving borrowers competitive interest rates and long repayment terms of anything between two and ten years.

    Typical uses for a secured business loan include funding the purchase of commercial property, financing a major office refurbishment, and covering the cost of new machinery, all of which can require significant amounts of capital.

    Company collateral as security

    Not all lenders ask for the same thing as security on a secured business loan, but you should expect to pledge assets such as the following:

    • Commercial property
    • Land
    • Vehicles
    • Equipment
    • Fittings and fixtures
    • Or, instead of individual assets, some lenders request the net worth of all assets

    It’s important to bear in mind that the value of your assets must be sufficient for a lender to justify giving you the loan.

    Equitable and legal charges

    When a loan is secured against property, a lender will register one of two charges on the property: a legal charge or an equitable charge. The type of charge that is registered will generally depend on whether the property owner is restricted from making a disposition without the consent of the existing lender, typically a mortgage provider.

    If there is no such restriction in place, a lender might look to register a legal charge, which grants it the power of sale if a borrower’s payments are not maintained. However, if there is already a legal charge on the property, a lender will need to secure the consent of the existing lender. This can leave you, the borrower, waiting weeks for funds to become available.

    For this reason, some lenders will instead register an equitable charge, which doesn’t require the existing lender’s consent. While it doesn’t give the lender power of sale over the property, it does provide them with some security, and means that your business can be funded within hours of approval, rather than weeks.

    Personal guarantees

    As well as providing company collateral, you may be asked to give a personal guarantee as additional assurance for the lender. This means making other individuals liable for the loan, whether that’s a company director or somebody outside of the business. Lenders’ requirements vary, but often depend on your company status, as outlined below.

    Limited companies and LLPs

    • If your business is a limited company or limited liability partnership (LLP), the majority of lenders will expect you to provide a personal guarantee alongside company collateral.
    • Directors or shareholders with a minimum of around 20% to 25% share in a limited company are also likely to be asked to provide a personal guarantee.

    Sole traders and partnerships

    • When it comes to sole traders and partnerships with unlimited liability (not LLPs), you’re always personally liable, and, as a result, you won’t be asked to put up any company collateral.

    Since each lender has a different approach to decision-making, it’s worth looking closely at every lenders’ terms. Consider, however, that if you refuse to provide a personal guarantee, this could reflect badly on your application and intention to pay back the money.

    So, regardless of whether you’re a sole trader, partnership, limited company or LLP, be prepared to provide a guarantee such as residential property or valuables such as jewellery.

    Secured business loans from Fleximize

    Fleximize’s secured business loans are a great funding solution for fast-growing SMEs, and can be used to finance anything from new equipment to an office refurbishment. They’re also a great alternative to bridging loans for property developers or businesses that are looking to purchase new commercial property.

    Our loans come packed with a range of flexible features, including top-ups and repayment holidays. The key details of our secured business loans are as follows:

    • Borrow £5,000 to £500,000 over one month to 48 months
    • Competitive interest rates starting from 1.5% per month
    • Approval within 48 hours of submitting a full application
    • Loans secured via equitable charge, meaning funds can be deposited within hours of approval
    • Industry-leading flexibility, including top-ups and repayment holidays
    • No exit fees or early repayment charges

    One of Fleximize’s relationship managers will guide you through the whole application process, and ensure that your funding package is tailored to the unique requirements of your business.

    We don’t apply the strict lending criteria of banks, which means we will consider applications from businesses with a less than perfect credit history. If you can demonstrate how you’ve turned around an inconsistent track record of repaying debt, and have evidence of sustained revenue growth, you might be eligible for a secured business loan from Fleximize.

    On the other hand, if you’re a startup or new business, you might not have the assets to put up for a secured business loan. If this is the case, an unsecured business loan might suit you better.

    Apply for a secured business loan with Fleximize

    Taking out a loan is a significant financial commitment for any business, so it’s essential to have all of the information you need before applying.

    Our team will happily talk you through the ins and outs of our secured business loans, so feel free to give us a call on 0207 1000 110. Alternatively, if you’re ready to apply, simply click the button below.




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    Business Loans: What You Need To Know

    It s not unusual to need a business loan to cover expenses you can t handle with your current budget. Seasons and circumstances change, impacting daily cash flow and your ability to support continued growth. Before approaching a lender, educate yourself on the types of loans available, the terms you can expect, and what documentation will be required to determine eligibility.

    Applying for a Small Business Loan

    When seeking financing for growth or to cover gaps in cash flow, small businesses have a surprisingly easy pathway to funding thanks to the tailored loan solutions available. Unlike traditional loans extended to enterprise level companies, small business loans are easier to access, quicker to apply for, and have friendlier terms for repayment.

    Finding the right loan is not a problem thanks to the rise of financial services providers and new companies that offer quick funding and straightforward approval processes. Additionally, the requirements many companies set for approval, such as lendio, tend to be much accommodating for small businesses.

    Unlike enterprise-level loans, which are usually extended by large banks, small businesses have different options when seeking financing which can be much more beneficial. Aside from banks, small companies can take advantage of federal loans such as Small Business Administration loans, work with credit unions, or even consider online alternative lenders.

    For these online lenders, working with smaller companies is more useful considering they can be growth partners and create lasting working relationships. Additionally, these lenders often provide different forms of financing outside of traditional loans, which are better suited for some businesses. Services such as invoice factoring, lines of credit, and equipment loans can help small businesses more as they provide a targeted influx of capital. These financing types offer flexibility and let smaller companies take loans without putting themselves at a disadvantage.

    Generally, lenders are looking for small businesses that meet the following requirements:

    Companies whose owners have good to excellent credit

    A proven flow of income that can be used to repay the loan, or financing extended

    More than one year in operation, although this may vary from lender to lender

    In some cases, proof of collateral that can be used to secure the loan

    A plan for investing the capital being extended

    Requirements will vary between the different alternative online lenders, but small business loans are a great way for expanding companies to find the funds they need to sustain growth and help them reach performance targets.

    How Do Business Loans Work?

    Acquiring a business loan can be more difficult than obtaining funding for other purposes. Business loans represent a big risk to lenders because of the volatility of the consumer market. Although marketing analytics are making it easier to predict customer behavior, many unknown variables still affect business cash flow and profits. This is another reason why banks want to know exactly what you plan to do with the loan should your application be approved.

    When applying for a loan, you ll discuss terms, interest rates, and other details with the lender. It can be a long process requiring a lot of detailed financial information from both personal and company accounts, and you ll likely need to speak with more than one lender to find the right fit.

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    Questions to Ask About Business Loans

    Because of the time and expense involved, consider whether you actually need a business loan and if it will benefit your company before applying. If you determine that a loan is necessary, prepare a list of questions to bring along when you compare loans from different lenders. Your list should help you narrow down your choices to banks and other lending institutions offering options closely aligned with your business needs. You may want to ask:

    If the lender has experience lending to your type of business

    How much the lender typically loans to businesses of similar size

    Who is in charge of application review and approval

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    Small Business Loans Without a Credit Check, Loans Canada, business loans for bad credit.#Business #loans #for #bad #credit


    Small Business Loans Without a Credit Check

    The small business lending landscape has, without a doubt, improved in recent years. That being said there are still challenges that many businesses and business owners must face, particularly those who are plagued with bad credit. Big bank and other more traditional lenders are simply not willing to take on the risk associated with lending to small businesses with low credit scores.

    Small businesses that have poor credit histories and therefore low credit scores typically have valid reasons for why their credit isn’t better. Within the past decade, small businesses were greatly impacted by the recession and the overall economic downturn. When the average Canadian can’t afford to spend as much money, businesses and small businesses in particular suffer. When your business isn’t making enough profit, credit typically becomes your main source of capital to run your business, this in return leads to credit problems.

    If you’re looking for a small business loan and have had credit trouble in the past or have no credit history what so ever, fortunately, there are still options for you to get the money you need. Private lenders and smaller financial firms are always more willing to take a chance and help small business owners in need. Below are a few options available to those looking to financially invest more into their businesses but don’t have a high enough credit card score to get a loan from a bank.

    Merchant Cash Advance

    With a merchant cash advance, you’ll be paid a lump sum in exchange for a percentage of your business’s future credit card sales. Essentially you’ll pay back your lender in very small amounts, using the money you’ve made through customers using their credit cards, every day until you’ve paid your loan off completely.

    The great thing about merchant cash advances is that they don’t require collateral or a credit check. They also provide you with extremely quick access to money. Interest rates are typically higher than more traditional small business loans, so make sure you know what you’re getting yourself into before you decide what type of funding is best for your business. (Click here to learn more about merchant cash advances in Canada.)

    Business Credit Cards

    Small businesses that need access to relatively small amounts of money to pay for daily expenses should consider applying for a business credit card. For those with a poor credit score, your limit may be low and your interest rate may be high. The great thing is that proper use of a credit card will not only allow you to pay for necessities but will help build and improve your businesses credit standing.

    Microloans

    Microloans could potentially provide you, as a small business owner, with the financing you need to take your business to the next level. Typically microloan lenders can be found online and are non-profit organizations who work out of major cities in Canada. They are usually more lenient than banks towards borrowers with poor credit. Most microloan lenders tend to focus on working with women and minority business owners but anyone can apply.

    Improve Your Credit to Get the Loan you want

    While there are lots of great loan options for business owners who don’t want their credit scores to be an issue, having a good credit standing should always be a priority. The good news is there are countless ways for you to improve your business’s credit score while still working towards making your company as successful as you dreamt it would be. (Want more information on how to get a small business loan? Click here.)

    Pay Your Bills on Time

    Late and missed payments on any of your credit accounts will have a drastically negative effect on your business’s credit score. Do whatever you need to do to always make sure you remember to make your payments on time, set a reminder on your phone or set up automatic payments so you don’t actually need to remember.

    The good news is if you’ve missed payments or have made late payments in the past you can correct the negative effect it had on your credit standing, simply start making on-time payments.

    Be Cautious with your Credit Cards

    While a business credit card can be a great tool, it can also create issues if used irresponsibly. Consider your business credit card a financial tool to help you improve your credit score and help pay for things you absolutely need. Don’t consider it free money that you can spend on whatever you want.

    Pre-Pay Bills

    If it’s possible for you to prepay bills then we absolutely think you should. Not only will it make sure you always make your payments on time some vendors may offer discounts if you pay in full upfront or before the due date. Plus having a good relationship with your vendors is always a good idea and may be helpful in the future should you ever experience any financial issues.

    Run a Lean and Profitable Business

    Obviously, every business owner’s main goal is to be profitable, but it’s not always possible. Work on running a lean business where inventory levels and staff hours remain reasonable and suitable, based on how your business is doing.

    Getting The Loan You Need

    Gaining access to the capital you need to help run your business can be very difficult, especially for small businesses that have less than great credit scores. Fortunately, there are lots of other options out there, so do your research and find an alternative lender who is willing to work with you to help you get the financing you want and need.




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      • Residential real estate (full or partial)
      • Liquid or margin security (full or partial)
      • Business assets

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    • Floating interest rate options based on TD Prime Rate with no prepayment penalties.
    • Fixed interest rate options available with the flexibility to make 10% principal prepayments annually without penalty.
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    1 Subject to complying with TD Canada Trust lending policies and criteria including confirmation of good personal credit history. Certain business documentation is required. Other conditions may apply. Set-up fees may apply. Personal guarantee(s) may be required.

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    Posted by financial advisor on 9 October 2013

    As the administrative capital of South Africa, Pretoria is home to numerous government employees. That is why many lenders offer loans for blacklisted government employees in Pretoria. Find out more about them.

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    The main difference between these loans and the other credit facilities available to blacklisted people is that government employees have the best possible chances of approval. Lenders will approve you more easily and quickly given that the government is a perfectly reliable employer and that the salaries of its employees are high enough for them to be able to service their loans.

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