There are many sources of financing available to a business owner. David Lerner Associates offers this list of loan sources - it should provide some ideas.
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Raise your credit score with these 6 tipsAjay Singh
Your credit score is one of the most important measures of your financial health. It tells loan providers at a glance how responsibly you use credit. The better your score, the easier you will find it to be approved for new loans or lines of credit. Visit Clix Capital to check your online credit score for absolutely free. When you keep track of your credit score and credit report, you will be able to update it from time to time. For any errors or mistakes, make sure you take immediate steps.
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Lamar Van Dusen is explaining the Business Suppliers and Asset-Based Lenders. Lamar Van Dusen is a professional and he is great in business development.
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Discusses investment issues BEFORE investing: difference between a financial planner and an investment adviser, the investment objective, diversification and impact of fees.
Please review my information package explaining how reverse mortgages can help mature adults lead a more productive quality of life. Using a grown credit line that grows over time with no impact to social security or personal income tax liability
Lamar Van Dusen | Business Suppliers and Asset-Based LendersLamar Van Dusen
Lamar Van Dusen is explaining the Business Suppliers and Asset-Based Lenders. Lamar Van Dusen is a professional and he is great in business development.
A simple overview of BeManaged, a plug in fiduciary 401k advice program companies can "plug in" to their existing plan and investment options on fee-for-service basis.
Discusses investment issues BEFORE investing: difference between a financial planner and an investment adviser, the investment objective, diversification and impact of fees.
Open Business Council offers resources, Trade Finance, business advice, SME Finance and a forum and directory for businesses!
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The five step guide to financing recruitment business growthOutsauce
Make the most informed decisions on your journey to business growth.
Find out:
How to prepare for success
The pros and cons of every funding option
The unique benefits of factoring and invoice discounting
The power of corporate finance
Tips to take it to the next level - including acquiring another business and selling your agency
US Business Funding: When anyone starts any business, then he/she requires outside funding, however, many small entrepreneurs don't know where to find it, or the amount to request. In this PPT, I am sharing some instruction to fund a business. You can follow these steps to fund a business.
Granting of loans on life insurance policies, with some companies examples like LIC policies, Birla Sun Life insurance policy.
Also it includes pros and cons of taking loans against life insurance policies and on what type of policies people can take loans.
Approaching Your BankerTips1. Keep in mind tha.docxrossskuddershamus
Approaching Your Banker
Tips
1. Keep in mind that to stay in business banks need to make loans.
Do not be afraid to ask for one. That is what the Commercial Account Manager wants you to do. To increase your chances of getting a loan, look for a bank that is familiar with your industry and who has done business with companies like yours. Seek out banks that are active in small business financing. Some banks lend on a conventional basis (lending money without government support), while some banks participate in government programs (in the form of government participations involving direct government funds or loan guarantees). However, be aware that banks often demand stiff collateral requirements for start-ups.
2. As an entrepreneur, make sure that you are thoroughly prepared when you go to your banker's office to request a loan.
You need to show your bankers that a loan to you is a low-risk proposition. Have on hand a completed Business PlanManagementMarketsMaterialsMoney Copies of cash flow (12Mth) Financial statement projections (3-4yrs)
3. Learn to anticipate every question that he or she has. Remember, the combination of information and preparation is the most powerful negotiating tool in the world. A confident and thoroughly prepared borrower is four times more likely to have his or her loan approved than a borrower who does not know the answer to some of the basic questions a banker asks. To show the extent of your preparedness, your business plan should also include answers to your banker's questions.
These questions normally are:
How much money do you need? Be as exact as possible; although adding a little extra for contingencies will not hurt. How long do you need it for? Be prepared to go into detail about what the money will do for you and why your business is a good risk. What are you going to use it for? Businesses use loans for three things: to buy new assets, pay off old debts, or pay for operating expenses. When and how you will repay for it? Your cash flow projections should provide a repayment time frame. Convince the banker of the long-term profitability of your business and your ability to repay the loan by using your financial projections and business plan. What will you do if you do not get the loan? Is your request Safe and Sound.
4. Do not take an apologetic and negative attitude. Keep your negativity in check. Present yourself as an entrepreneur who can and will repay the loan. Boost your image by providing your Commercial Account Manager with any promotional materials about your business, such as brochures, ads, articles, press releases, etc.
5. Dress in a professional manner for the interview. This is a business transaction, so treat it as such.
6. Do not stretch the truth in your loan application. Broad, unsubstantiated statements should be avoided. The lender can easily check many of the facts on your application. If you cannot support statements with solid data, then don't make them.
What all financing options are available for SMEs .pptxM1xchange
The financing options available to SMEs vary from industry to industry. Financing options will also change as the business owner's needs change over time. From start up through growth and expansion, SMEs have many different ways to secure funding for their businesses.
How to get a startup business loan with no money? If you are facing this problem, then you are in the right place. and sometimes getting a startup business loan with no money that can be challenging, but it's not impossible. Start by developing a well-researched business plan that highlights your market potential and revenue projections. Explore government-backed loan programs, such as Small Business Administration (SBA) loans, which offer favorable terms for startups.
Throughout this article, today we will explore "how to get a business loan with no money" and how seek out alternative funding sources like angel investors, venture capitalists, or crowdfunding platforms. Building a strong personal and professional network can also help you connect with potential lenders. Be prepared to demonstrate your commitment and passion for the business, and consider leveraging personal assets or securing a co-signer if possible. Persistence and thorough preparation are key to securing funding for your startup.
"The Case For Annuity," by Phil Wasserman. This book shows an unbiased view on annuities, how they can offer you secure income streams, and growth potential while having no market risk or volatility.
At the conclusion of this course, the learner will:
Have a broad understanding of the banking system; its resources and opportunities as it applies to micro enterprises
Be aware of the needs, limitations and resources of your professional banker and the ways in which you can leverage these to your benefit
Lending & Borrowering Out of Your IRAryankimura
This presentation talks about creating notes with your IRA. It shows you how a century old investment strategy can get you double digits returns with the safety and security of a tangible asset to collateralize the note. This is how Banks make money and you can too with your IRA.
Similar to Primary Financing Sources for a Business Loans (20)
The gap between men and women is still evident - partly due to the fact that a large proportion of women work shorter hours or stop working altogether once they become mothers.
Here are some lessons women can learn that will help them become even more independent and financially stable.
Hats off to the successful women business owners in the US and around the world. Women entrepreneurs are creating successful companies faster than men and young women - millenipreneurs - are doing best of all. Where women business owners fall behind is planning for retirement.
While most financial tips apply to everyone, there are some that are more relevant to women. 90% of women will have to manage their finances on their own at some point in their life and unfortunately too many women lack confidence and hesitate to take control of their finances.
International Women's Week s a good time to take another look at the financial gender gap; Women pay more in interest rates, earn less and pay more for many products than men do.
How can I tell if someone is being financially abused? Because financial abuse does not involve any physical abuse, you have to look for changes in the older person’s lifestyle and finances
many Americans over 55 are not prepared for retirement - nearly 29 percent have neither retirement savings nor a traditional pension plan. For those over 55 who are saving, the median account value is $103,000.
The college application process is not one the fun things about the fall – in fact it can be downright stressful for parents and children. It's easy for your child to feel overwhelmed while trying to manage numerous applications, each with varying deadlines and requirements. You and your child have spent many hours poring over college brochures and websites to decide which schools are the best choice for your needs and interests. The applications are the final step in that process.
No matter how carefully one plans for retirement, unexpected events can occur that change the situation. One such challenge is divorce. If you were counting on your spouse's Social Security benefits to provide some of the retirement income required, you need to know how this will affect your planning.
Employee retention is a primary goal for many small businesses. Not only is it expensive to replace employees, but high employee turnover can be damaging to workplace morale and customer service
At any age, health care is a priority. When you retire, however, you will probably focus more on health care than ever before. Staying healthy is your goal, and this can mean more visits to the doctor for preventive tests and routine checkups. There's also a chance that your health will decline as you grow older, increasing your need for costly prescription drugs or medical treatments. That's why having health insurance can be extremely important for older Americans..
It's been nearly six years since the official end of the Great Recession. Now, finally, Americans have reasons to feel upbeat about their financial prospects. Key economic indicators are signalling progress for the US economy
What exactly is the charitable deduction? The charitable deduction allows you to take off the value of property you offer to charity from your property and might minimize any federal gift and estate tax that might be owed. Charitable gifting allows you to satisfy your personal philanthropic desires and satisfy your estate planning objectives.
Does it cost more money to be a woman in the U.S. today than it does to be a man? A study conducted by the FINRA Education Institute suggests that in a couple of areas, at least, the answer may be yes.
aking care of your aging parents is something you hope you'll never need to do. It means helping them prepare for the future, which could be frustrating, physically, emotionally and financially. Should the need arise, there are two things you can be certain of: Your parents need you, and you need help.
Women have never been in a better position to achieve financial security for themselves and their families. Women need to take advantage of this position and educate themselves about finances, seek professional help when needed, and implement plans to ensure that they and their families will have financially secure lives.
Learn to understand the different types of life insurance. Life insurance is different from most other types of insurance (like health, car and homeowner’s insurance) in at least one key respect: It covers against an event that is certain to occur at some point in time — the policyholder’s death. For this reason, life insurance should be viewed through a different lens than other insurance — more specifically, as an asset, instead of an expense. http://news.davidlerner.com/news.php?include=145418
Life insurance should be viewed through a different lens than other insurance — more specifically, as an asset, instead of an expense. Life insurance can be used to power and protect your family in many ways.
The average outstanding student loan debt is $27,000, but about 10 percent of families that have debt owe more than $61,000—and four percent owe more than $100,000, Pew reports. The total college debt load in the U.S. is now about $1 trillion.
401(k)s have become one of the most popular retirement savings vehicles in America. But many people, including those who have been participating in a 401(k) plan for many years, aren’t clear about all the details when it comes to how their 401(k) plan works.
David Lerner Associates has prepared this brief primer that answers six of the most common questions many people have about their 401(k) plans.
If you plan on working during your retirement, you're not alone. According to the Employee Benefit Research Institute's 2013 Retirement Confidence Survey, 69 % of workers plan to work in retirement.
Top mailing list providers in the USA.pptxJeremyPeirce1
Discover the top mailing list providers in the USA, offering targeted lists, segmentation, and analytics to optimize your marketing campaigns and drive engagement.
[Note: This is a partial preview. To download this presentation, visit:
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Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
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Kseniya Leshchenko: Shared development support service model as the way to make small projects with small budgets profitable for the company (UA)
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The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
In the Adani-Hindenburg case, what is SEBI investigating.pptxAdani case
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Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
Stay ahead of the curve with our premium MEAN Stack Development Solutions. Our expert developers utilize MongoDB, Express.js, AngularJS, and Node.js to create modern and responsive web applications. Trust us for cutting-edge solutions that drive your business growth and success.
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Recruiting in the Digital Age: A Social Media MasterclassLuanWise
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Event Report - SAP Sapphire 2024 Orlando - lots of innovation and old challengesHolger Mueller
Holger Mueller of Constellation Research shares his key takeaways from SAP's Sapphire confernece, held in Orlando, June 3rd till 5th 2024, in the Orange Convention Center.
Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
2. There are many sources of financing available to a business owner. Consider all options
carefully before making any decisions. The following list of loan sources should provide
some ideas.
Debt sources
A. The business owner. He or she can establish a debtor/creditor relationship with the
business. The owner then becomes the creditor (the lender), and the business is the
debtor (the borrower). There are several sources of funds to tap into:
Retirement fund: Contact the retirement plan administrator to see if this is a viable
option. Keep in mind that the extent of the funds available for borrowing will be limited
by the amount of money invested in the plan.
Life insurance: If there is an accumulated cash value in a life insurance policy, it might
be possible to borrow against it. Moreover, the older the policy, the more likely it will
carry a lower interest rate than other types of loans.
Credit card: With a good credit rating it is possible to borrow money using credit cards.
Though credit cards are a source of quick cash, they’re likely to have a high interest
rate. Heavy credit card borrowing should be used only in financial emergencies.
Home equity financing: A home equity loan or line of credit is a good source of funds,
but the downside of this type of borrowing is the risk of losing the home in the event of
default.
Liquidate retirement plan: This is another option, but cashing in an individual retirement
account can be very expensive. The withdrawal will be included as taxable income
(except to the extent attributable to nondeductible contributions), and there may be
an assessed 10 percent penalty for early withdrawal if the plan holder is younger than
59½ years old. However, a qualified distribution from a Roth IRA is not taxable.
B. Friends and family. The advantage of borrowing from friends and family is that terms
can be more favorable than with strangers. The disadvantage, however, is the
potential strain on the relationship. Friends and family can be easily alienated if their
expectations go unmet or if they do not get their money back, especially if they were
barely able to provide the funds in the first place. Keep the relationship formal to avoid
any misunderstandings, and choose the relatives or friends from whom you borrow
carefully.
C. Banks. Like most lenders, banks are conservative when it comes to lending money.
The bank will not risk its depositors' money unless the bank is reasonably certain that it
will get repaid. For that reason, banks are not inclined to lend to new businesses with
little or no collateral. If and when the bank lends to a new business, it usually requires a
large equity investment by the business owners (anywhere from 25 to 50 percent),
depending on the business. Therefore, a bank may not be a good idea for a long-term,
unsecured loan for a new business.
3. D. SBA. The SBA is a federal program that provides technical assistance (in the form of
management counseling and informative seminars), and financial assistance (direct
loans, loan guarantees, and tax relief). Though the SBA offers direct loans in specific
circumstances, the SBA primarily acts as a guarantor of long-term loans for qualified
business owners. The primary lender is a traditional financial institution. In this capacity,
the SBA usually guarantees 70 to 90 percent of a loan, typically for those in business for
more than one year. For more information on these and other loan programs, contact
your local SBA office, the SBA Answer Desk at
(800) 827-5722, or the SBA's website at www.sba.gov.
E. Small Business Investment Companies (SBICs). SBICs are privately owned
organizations licensed by the SBA. Like the SBA, SBICs provide entrepreneurs with
technical or financial assistance (loans or stock purchases). Similarly, "specialized" SBICs
offer assistance to those entrepreneurs considered socially or economically
disadvantaged. Funds are limited, however, and both types of SBICs are, like other
investors, selective in the type of businesses in which they invest. For more information,
contact your local SBA office or the Small Business Investor Alliance at (202) 628-5055.
F. Economic Development Administration (EDA). This federal agency, an extension of
the U.S. Department of Commerce, provides assistance to economically deprived
areas of the country. The EDA typically provides financial assistance to businesses that
locate within such areas. For more information, call the EDA at (202) 482-2900, or visit
the Administration's web site at www.eda.gov.
G. Credit Unions. A credit union is a type of financial institution created by a particular
group to provide financial assistance to its members. Many companies or labor unions,
for example, have credit unions that offer low-interest loans to their employees.
It’s wise to investigate all possible sources of loans, and choose the one that best fits the
circumstances.
IMPORTANT DISCLOSURES
Material contained in this article is provided for information purposes only and is
not intended to be used in connection with the evaluation of any investments
offered by David Lerner Associates, Inc. This material does not constitute an
offer or recommendation to buy or sell securities and should not be considered
in connection with the purchase or sale of securities.
To the extent that this material concerns tax matters, it is not intended or written
to be used, and cannot be used, by a taxpayer for the purpose of avoiding
penalties that may be imposed by law. Each taxpayer should seek independent
advice from a tax professional based on his or her individual circumstances.
These materials are provided for general information and educational purposes
based upon publicly available information from sources believed to be reliable--
4. we cannot assure the accuracy or completeness of these materials. The
information in these materials may change at any time and without notice.
Some of this material has been provided by Broadridge Investor
Communications Solutions, Inc.
David Lerner Associates does not provide tax or legal advice. The information
presented here is not specific to any individual's personal circumstances.
Member FINRA & SIPC.