Financial Business Solutions

Adequate financing for any business is critical but even more so for a small business. Large companies appear to have a multitude of options to address financing and cash flow issues, while small businesses often have limited resources to address financing and cash flow troubles. From bailout funds to economic development grants, larger companies have options smaller companies often don’t have. Therefore, it’s important for small business owners to be aware of any nontraditional financing options that avail. Listed below are a few methods I think are noteworthy.

Financing with Alternative Business Loans

Peer-to-peer lending, a simple process done online, allows small investors to come together and lend money to individuals and small businesses for a variety of reasons. The lending rates, depending on your credit score, are usually competitive with bank loans. An added plus for peer-to-peer lending is the no requirement for collateral. The downside is the loans cannot be over $25,000. There are two I’m aware of that you may want to review. The first is Lending Club, the other is Prosper; both can be found online.

Another option you may want to consider is ACCION USA. ACCION USA is a private, nonprofit organization that provides microloans up to $50,000 to small business owners who cannot access traditional bank loans. ACCION USA targets low-to moderate-income entrepreneurs for its services.

One more option is family and friends. A formalized loan through a family member or friend gives the friend or family member a sense of security and helps protect the relationship between the lender and the borrower. It can be extremely helpful to have documentation to show repayment start dates, interest rates and a repayment schedule to cut down on confusion and misinterpretations. If this is something you think you can use then check out Virgin Money. It can be found online also.

The above loans are great when you just need a small amount to get you over the hump.

Alternative Financing Options

Sale/Leaseback funding is a transaction where the small business owner sells their existing equipment to another company and then leases it back. The leasing company in turn gives the small business owner a lump sum based on the fair market value of the equipment with the option of purchasing the equipment back at the end of the agreement. This is a win-win for both companies. This collaborative agreement allows one business to receive a return on its money through low monthly payments over a fixed or flexible period of time and the other, the ability to unlock cash tied up in fixed assets.

Another financing option is establishing a strategic alliance to secure needed assets. Let’s say you’ve created a product that requires an injection molded plastic part but you don’t have the money to buy the expensive custom equipment needed to produce it. You approach the owner of the plastic company and offer to pay him a percentage of every sale made for the product. The owner commits to the agreement. Again, this is a win-win for both companies. You eliminate the upfront cost of purchasing the equipment and the plastic company wins because they’re generating an additional revenue stream.

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Helping Entrepreneurs Launch Successful Financial Businesses In A Struggling Economy

As Americans continue to endure tough financial times, the demand for financial solutions is increasing rapidly. Response to this demand will inevitably result in an explosion of new financial offices emerging around the country.

Additionally, we are about to experience the biggest wealth transfer in our world’s history, due to the baby boomer generation. Between 1946 and 1964, 76 million babies were born. It is going to have a massive impact on the American economy as a whole. In 1946, as the boom began, it was Gerber which created baby food, Johnson and Johnson creating baby shampoo, and Mattel capitalizing on the toy industry.

As they got older and into the 1950’s, the construction industry took off because schools needed to be built. In the 60’s, it was the automotive industry as they started to turn the age of 16, in the 70-80’s the real estate boom took off because they were starting families, and since then they’ve worked to save for retirement.

Baby boomers are retiring at a rate of about 10,000 per day and from 2011-2029 this will continue to be the case. The supply of financial professionals does not meet the demand of this proportion. We are facing an aging workforce. In 1970, there were roughly 500,000+ financial professionals for a population of roughly 204 Million people. In 2013, there’s roughly half of the 500,000 financial professionals left and a population of roughly 316 Million. The demand for professionals in our industry is at an all-time high! WILL YOU MISS THE NEXT BOOM?

The key to entrepreneurship is: finding a problem and creating a solution.

There has never been a bigger demand for professionals in the financial services industry than today!

The biggest misconception I hear from people looking at our industry, is that I don’t have any experience in that field” or “I’m not a salesperson”. GREAT! We’re not looking for salespeople or people with experience. We’re looking for people who can show clients what their options are for making smart financial choices. For example, Would I have to sell you on saving money each month, sheltering the growth of your money from taxes, or making sure you save enough money to put your children through college? Probably not.

The fact is, many of the most successful people in our industry come from different backgrounds with no financial experience. The key is high integrity, strength of character, and good people skills, because you’re dealing with people’s livelihood.

With the resources and systems available today, what used to take entrepreneurs decades to accomplish, is now taking years or even months to accomplish. There is no reason to know the answer to everything, all you need to know is where to get the answer.

So think about the wealthiest person you know. Are they an employee or an entrepreneur? Would agree that success has a lot to do with timing? Are you going to join the BOOM or MISS IT?”

Zoom in the Fast Track of E-Financial Business by Choosing the Right Finance Website Templates

We love to have a solid finance back up at the sometimes it turns a headache to manage those finance affairs. I thank people who come forward to help us with online finance management solutions! Are you one of such helpful men? If so, my article is going to tell you how choosing one of the best finance website templates to give your financial business a boom!
There are two major factors when you want to develop a website for your online finance business. One is choosing a template shop and then finding one of the best finance web templates from the templates available in a template shop. There are some matters which help to find a good template shop and select one of the best finance website templates. I am here pointing you some features of finance web templates and how to know a template shop as best template shop.

A cool design in color application is must for finance website templates. Money matters are serious affairs so simple yet elegant color increases soothing effect in the visitors’ mind.
The first sight falls on the header of a site so it has to be attractive. The header portion of the finance website templates needs to keep provision for showing off the purpose of the site. It is like grabbing the opportunity at first sight.
A visitor will come to get your services. In the finance web templates the focus will have to be always on the services. So the service portion has to get maximized notice.
It is found that visitors want some live news. In the finance web templates there should be always a panel about keeping live report about finance markets. It will help to compare and understand your finance solutions against present market.
Anytime or every time a visitor lands on a site, wants to know what is special! Finance website templates need to keep a space to show the special finance services from the service providers.
With the space for other related and valuable finance content keep a block for finance success stories. In the finance web templates the place for successful finance related stories increases the chances for investment.
People like to keep them updated. So a direct like for accepting newsletter services has some importance. In the finance website templates there may be a place for subscribing newsletters. This part will let the service provider chance to remain in touch with the visitors who subscribe to the service.
Last but not the least is quick solution and quick support panel. In the finance web templates there has to be a panel for quick contact as it lets visitors chance to get finance solution fast. People are coming to get solution let them find support fast.

In the above points I have tried to show you what should be the standard features in finance website templates or the finance web templates. Other features like programming support to open source and hard core development, SEO friendliness, affordability are the primary factors for finance web templates. Now to find all these qualities in finance website templates you have to find out a template shop. But you have to search a template shop that emphasizes on all the above qualities in finance web templates. And of course you should look for a template shop that cares to provide affordable templates.