How to raise funds for your small business? In the current hostile economic climate, access to capital is the most important factor in differentiating between firms, which can expand and gain market share in the event of a sharp drop in sales. Many small businesses experienced declines in sales and cash flow until many closed their doors, while many large U.S. companies increased sales, opened new retail stores, and increased earnings per share. The traditional financing of SBA commercial banks is almost always based on debt and unsecured lines of credit, and listed companies often have access to a common market, such as the stock market or the bond market, for access to capital. . Prior to the 2008 financial crisis and the ensuing recession, many of the largest commercial banks in the United States had simple monetary policies, opened loans to small businesses, and their owners had good credit scores and industry experience. Most of these business loans consist of unsecured business loans and installments that do not require collateral. These loans have almost always been secured only by the personal guarantee of the employer. For this reason, good personal loans should be close to getting approved for a business loan. During this time, thousands of small business owners raised capital through these loans and lines of credit to finance working capital needs, including labor, equipment purchases, maintenance, repairs, marketing, tax liabilities, and expansion opportunities. . . With easy access to these capital resources, many small businesses can thrive and generate cash flow. But many entrepreneurs have become overly optimistic and many have given aggressive growth forecasts and increasingly risky bets. As a result, many ambitious business owners have begun to grow their businesses by borrowing heavily from small business lines of credit and debt. While banks continued this “easy money” policy, funds continued to grow, consumers continued to spend, and business owners expanded with increased leverage. But in the end, this party will end abruptly. When the financial crisis began in 2008, the sudden collapse of Lehman Brothers, one of Wall Street’s oldest and most respected banking institutions, spread to the financial and credit markets. The instruments of the American financial system collapsed when the credit markets froze. Banks have stopped lending overnight and the lack of money that has led to rising assets, especially real estate prices, in recent years is now causing the decline in the value of these assets. The balance sheet of commercial banks declined with the explosion of assets, while stock prices declined. The simple payment period has expired. The party is officially over. In the wake of the financial crisis, the stock market has made a comeback in the stock market. These same commercial banks, which lend freely to small business owners and provide free loans to small business owners, are threatening their lives due to lack of money on the table. with costs. Overnight, many commercial banks closed new credit lines, eliminating a debt-free balance. Today, companies that do not rely on funds to make this line of business meet the requirements of cash flow and credit obligations. Many businesses today are unable to cope with the rapid and significant decline in sales and earnings. While these small businesses are responsible for creating millions of jobs today, the unemployment rate for each business continues to rise. In the wake of the financial crisis, the banking sector was at a critical juncture, threatening to destabilize the entire financial system. While Parliament and the Federal Reserve want to remove the tax haven from the banking system, there are losses. Millions of dollars have been invested in the banking system, effectively supporting the workings of unscrupulous businesses. However, in the process, these banks are not set up to borrow personal or private business. Instead of using a portion of this traded tax money to help small businesses and prevent unnecessary losses and rising unemployment, they chose to continue to provide thousands of businesses and thousands of drunken businesses today. is. Even after taxpayers receive tax credits with the help of money, commercial banks reduce their debt and trade credit lines by changing their practice individually. regardless of credit history and interest rates. For this kind of debt and indebtedness. Today, businesses are tired of work and the number of unemployed is high. At the same time, while today's banks are suffering from job losses, the lack of money created by commercial banks has revived the public sector and expanded their business. . They are special lenders, either through the bond market or by increasing equity and sharing through the stock market. When the public sector raised hundreds of millions of dollars in new money, the banks confiscated thousands of businesses and closed the existing business credit lines and refused to lend to the small businesses. today. Even now, more than four years after the start of the financial crisis, in mid-2012, most businesses today do not have or receive any income. Commercial banks have refused to issue secured loans to businesses on a daily basis. In order to get a small business loan or a one-minute loan line, today, small businesses need easily accessible assets for loans that are worth the value of the loan or property of debt. There are no such certificates as undocumented small businesses like products and archives. There is no time to get credit approval through the SBA. While small businesses are unable to provide business credit guarantees today, business banks require current business owners to hold loans with their own assets or liabilities, such as property rights. Or file verification. Finance. , Save money or retire, such as a 401k or IRA. The latest move will put business owners in a state of panic over the occurrence of bankruptcy. In addition, most small business creditors often require the business owner to have a good personal credit score and FICO, as well as personal credentials. Lastly, it takes years of reporting, such as business tax returns, which shows that today's business loan applications are almost certainly successful. Failure or inability to meet any of these important conditions will result in immediate denial of almost all small business or commercial business loan applications. In many cases, business loan discounts are given to each applicant, making it possible to have personal loans, parallels, good loans, and tax returns that do not guarantee approval of business loan applications during the fiscal year. It is more difficult for small and medium-sized companies to raise capital than before. As a result of this uninterrupted clarification, small businesses and small businesses began looking for sources of business capital and other business loans. Many small business owners are looking for cash flow to run their existing business or investment that has increased their income through the use of prepaid credit cards and small business credit loans. Provided by a private publisher. These donors provide maximum benefits to small merchants and small merchants rather than merchants from commercial banks. The first merchants, sometimes known as credit loans, are due to a large number of credit cards from merchants or lenders, which take three to six months. Any merchant or merchant who receives a credit card as payment from a merchant such as Visa, MasterCard, American Express, or Discovery is sincerely promised the first credit card. The amount of money that the merchant will earn should be set at an average of three to six months and this amount is kept in the small business treasury within seven to ten months from the time of approval. The settlement amount is set and the anticipated amount and interest are set when the recipient first approves them. For example, if a merchant or seller generates about $ 1000 in credit cards per day from their customers, the average number of credit cards created is $ 30,000. . If the distributor qualifies for প্রাথমিক 30,000 for the initial deposit and has a score of 1.20, the total payment must be 36 30,000, including 20% ​​of the amount of 000 30,000, including 20% ​​of the amount of 000 30,000. As a result, the merchant will receive a total of 30 30,000, which will be credited to the trading account and pay তাকে 36,000. Credit card sales are reduced by the amount each customer chooses each day, usually 20% of the current credit card total. Therefore, merchants do not need to write reviews or send payments. Fixed interest rates will only be deducted from future credit purchases until a total of $ 36,000 is paid. The advantage of this type of loan is that the borrower's first payment owner's personal credit report, including the commercial bank loan, is not shown on the report. Differentiate small business finances from small business financial problems. A second advantage to a merchant credit card cash advance is that an approval does not require a personal guaranty from the business owner. If the business is unable to repay the merchant cash advance loan in full, the business owner is not held personally responsible and cannot be forced to post personal collateral as security for the merchant advance. The owner removes the financial consequences that often accompany a commercial bank business loan that requires a personal guaranty and often forces business owners into personal bankruptcy in the even that their business venture fails and cannot repay the outstanding loan balance. A third, and distinct advantage, is that a merchant credit card cash advance loan does not require any collateral as additional security for the loan. The future credit card receivables are the security for the cash advance repayment, thus no additional collateral requirements exist. Since the majority of small businesses do not have physical equipment or inventory that can be posted as collateral for a traditional bank loan, this type of financing is a phenomenal alternative for thousands of retail businesses, merchants, sole proprietorships, and online stores seeking access to capital. Such businesses would be denied automatically for a traditional business loan simply because of the lack of collateral to serve as added security for the bank or lender. Finally, a merchant credit card advance loan approval does not depend upon the strong or perfect personal credit of the business owner. In fact, the business owner's personal credit can be quite poor and have a low FICO score, and this will not disqualify the business from being approved for the cash advance. The business owner's personal credit is usually checked only for the purpose of helping to determine that factoring rate at which the total loan repayment will be made. However, even a business owner with a recently discharged personal bankruptcy can qualify for a merchant credit card cash advance loan. Since the cash funds being lent on merchant credit card advances is provided by a network of private investors, these lenders are not regulated or affected by the new capital requirements that have placed a constraint on the commercial banking industry. The merchant cash advance approvals are determined by internal underwriting guidelines developed by the private lenders in the network. Each loan application is reviewed and processed on a case-by-case basis and approvals are issued within 24 to 48 hours from receipt of a complete application, including the previous three to six months of merchant credit statements. Merchant credit card.

Total Body Workout + Weight Loss Tips!! Fat Burning Fitness Routine for Beginners, Home Exercise

Get ready to burn fat and lose weight with Sanela! How to get fit and healthy, full body fat burning fitness- great for all levels. Sanela also shares her favorite tips for weight loss!

When your in summer break and this is the only option for you 😬


Its crazy how little the workout is but yet it has such a large effect on you. Do this workout routine and you will get smaller body.

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Best Small Business Tips and Ideas Deciding to start a business can be one of the most exhilarating decisions you make in your life. We are living in a world wherever everyone wants to make extra money and add to his income. Most people have achieved this by acquiring great business ideas. When one starts up a company, he must be ready to meet competition. It is important to note that you would not need to become rich or popular to succeed in business but have to think smartly. But there are a lot of moving parts and many different elements to consider. 10 basic tips essential to start a business successfully. Tip 1: Get inspired and Love your idea Every business begins with an idea you may have imagined of opening your own business for years, or motivation may have hit you suddenly. Nevertheless of the source, the first step of starting your own business is coming up with a business idea. And as important as your idea, you must in love with the idea. Tip 2: Do Your Research / learn everything about the business You've recognized your big idea, now it's time to balance it with the reality. Are you truly ready to start a business? Answer the questions below and see what you need to prepare yourself for business. For a small business succeed it must fulfill a need, solve a problem or offer something the market wants. You can identify this need in many ways by doing research, focus groups, and even trial and error. As you search the market, some of the questions can be: • Is there a need for your anticipated services or products? • Who needs it? (Target Costumers) • Are there other companies offering similar services or products right now? • How is the competition? • Can or how will your business fit into the market? Tip 3: Make a Business Plan You need a business plan in order to make your business idea a reality. If you expect to seek monetary support from an investor or financial organization, a formal written business plan is a must. Even if you don't need monetary support, a simple business plan can give you precision about what you hope to accomplish and how you plan to do it. In overall, your business plan should summary your business goals and the inspiration behind them, as well as your plan for realization of your goals in terms of marketing and funding. Tip 4: Planning Finances Opening a small business doesn't have to involve a lot of money, but it will involve some investment. There are a number of methods you can fund your small business: • With Small business grants • By Financing • With Small business loans • Or Angel investors You can also attempt to get your business off the ground by bootstrapping, using as little capital as necessary to start your business. Tip 5: Business Structure Your small business can be an individual ownership, a partnership, a limited liability company (LLC) or a corporation. The business structure you might choose will impact in many factors from your business name, to liability, and how you file your taxes. You can choose an initial business structure, and with time re-evaluate and change your structure as your business grows and needs to be changed. Tip 6: The Business Name The name you choose plays a role in almost every aspect of your business, so you want it to be a good one. Make sure you think through all of the possible consequences as you explore your options and select your business name. Once you have selected a name, there is the need to check if it's trademarked, currently in use and if stills free you will need to register it. A individual proprietor must register their business name with either their state or county clerk. Corporations, LLC, or limited corporations usually register their business name when the creation paperwork is filed. These days you need to have a website, so please don't forget to register your domain name once you have selected your business name. The best domains and more valuable online are the ones ending with .com. Tip 7: Licenses and Permits There are a range of small business licenses and permits that may apply to your situation, depending on the type of business you are starting and where you are placed. You will need to inquiry what licenses and permits apply to your business during the initial process. Tip 8: The Business Location Setting up your place to work is essential for the operation of your business, whether you will have a home office, a shared or private office space, or a retail location. You will need to reflect about your place, equipment, and overall setup, and make sure your business place works for the kind of business you will be doing. Tip 9: Accounting System One of the most essential systems for a small business is an accounting system. Your accounting system is essential in order to build and manage your budget, set your charges, conduct business with others, and file your taxes. You can set up your accounting system by your own, or hire an accountant to take away some of the work. Tip 10: Promote Your Small Business As soon your business is up and running, you need to start attracting customers. You'll want to initiate with the essentials by writing a single selling offer and building a marketing plan. Explore as many small business marketing ideas as you can so you to choose how to promote your business most successfully. Completed these business start-up actions, you will have all of the most important small business bases protected, and be prepared for small business success. 15 Business Ideas to Generate Extra Income If you want or need to start a side job because you still need to wait a little bit longer to start your own business, here are 15 suggestions for you. 1. Make money Blogging If you enjoy writing, find a theme you're passionate about and start a blog dedicated to covering that theme and anything else interesting you enjoy to talk about. All you need is a laptop, some time, and inspiration to consistently write. It can start as a hobby and turn into a business over time. Creating a blog is free, but if you want to look professional it can cost less than $ 12 per month. 2. Buying or selling on eBay Thanks to internet there are more opportunities to make money than ever to buy and resell products for extra money. There are lots of people buy at a discount and resell them on eBay for profit. 3. Freelance writing If you're great with words, you might be capable to find some work as an online freelancer. A variety of publications need online content in the form of product, stories, service descriptions, and reports, and if you have the talent and ability, you could easily be the one to create them. Luckily, all you need is a computer and Internet connection to get started. You can start here freelancer.com 4. Social media expert Now a day almost everyone uses Facebook, Twitter, and Pinterest, but did you know that many companies are willing to compensate people to support them managing their social media accounts and sometimes you can do it part-time from home. If this appeals you, to find social media jobs you can start by writing companies with a social media presence and visiting sites like Elance.com for opportunities. 5. Proofreading and editing Do you have strong English skills and outstanding grammar? You may have chances to work as a proof-reader from home. Marketing for this can be hard; seek out those who might actually be able to use your services and advertise directly to them. 6. Virtual assistant Many companies and individual professionals like having someone who can check and answer their email, organize task lists for them, someone who can update their calendars, and perform other administrative tasks, with minimal communication. The best of being a virtual assistant is that you can offer this service from home with a good Internet connection. 7. Website design If you know a little bit about web design you can approach small businesses in your community, as they could use a very basic web presence to tell others about their business. These businesses usually don't have a large budget for websites and create a great yet simple website is for you, get a bunch of clients from your local community, create sites for them, and maintains them for a small fee. You can easily get enough businesses to have a nice side business of your own with a low investment. 8. Affiliate marketing Certain types of online businesses will pay you to promote their products and encourage sales. If you're interested in learning more, check out affiliate marketing programs such as Click-bank, Commission Junction, and these websites are trustworthy and you can earn money by posting their products in your blog, website or Facebook. The secret of online business is all knowing targeting the right public and marketing efficiently. It can be overwhelming with all the information available online as more than 50% of the information is just a waste of time. 9. Become a business or life coach If you are a good speaker and passionate about the business world and able to inspire and encourage others in a unique way, you could marketing your services as a business or even a life coach. Take your passion and expertise to the next level giving advice and suggest actionable steps people can take to progress their professional and private lives. 10. Start a resume writing service If you're excellent at writing remarkable resumes that in the end result in people getting the job, contemplate advertising those services. Most of your work will spin around writing, editing, designing, and proofreading, so you will only need few supplies outside of your computer and basic software to get started. 11. App Developer Web app development is the creation of application programs that reside on remote servers and are delivered to the user's device over the Internet. Now a day you can do apps with software's you don't really need to be a weirdo to do it, you can be an app developer for Facebook for instance and of course you can do it part-time and home based. 12. Business Consultant If you are high organized and skilled being a good problem solver this job is for you. Companies bring Business Consultant to identify their problems, provide solutions and optimize companies. The only investments are your skills. 13. Data Entry Service Many companies and online businesses require some type of manual information tracking, creating a vast amount of data entry work. Although there are many work-at-home scams related with data entry work, there are a lot of genuine chances available for genuine data entry businesses. If you are an excellent typist with an eye for detail, a data entry business is a great idea for you. 14. Freelance Writer If you have the skill to write and inform people in a certain area, you can write small books or guides and sell them online, the biggest books platform is Amazon.com, where you can display your books for free and when they are sold, you will receive a percentage from the selling. Payments are made every month depending on your sales. Investment is only your time to write and imagination. 15. Internet Researcher The Internet provides a vast amount of information. If you can quickly and efficiently navigate through that wealth of information, and essentially find a needle in a haystack, you can create a very successful business as an Internet researcher. Search for this kind of job online or about a company which is looking for this of service. I give you only a glimpse what you could do, and these are just a few ideas, but many ideas were left behind. First of all I advise you to think what you like to do as a hobby or in your free time, why don't you make profit from what you are doing already? You have the world as your disposal, but for a business to work out the first thing from all things is, it doesn't matter what you intent to do, but you have to love it. If you love what you do it doesn't feel like a job, you will be doing it with joy and this way you will be successful. There are some side business opportunities that have grown more common in the past few years. And thanks to internet you have much more opportunities, ideas and help to develop your business.

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