How to Make Money for Your Small Business It costs money to start a business. Financing your business is the first - and most important - financial decision that most business owners make. How you run your business can affect the way you create and run your business. Every business has different needs and no financial solution is good for everyone. Your financial position and the outlook of your company will shape your company's future. Once you know how much money you need first, it’s time to think about how to do it. In the current economic environment, spending versus money, their income is very low, is the key to deporting business owners in order to increase market prices and qualify. Many small businesses want to see their sales and cash flow, but many are still closing their doors, big US companies have been able to raise sales, open new retail outlets and gain rewards for each segment. Small businesses often rely on traditional bank loans such as SBA loans and unsecured credit facilities, while large trading companies earn money in public markets such as stock markets or bonds. . The opposite of the financial crisis of the 200's and the Great Recession in the United States. Commercial banks were easily involved in financial law and openly provided loans to small businesses with good credit ratings and other industry information. Many of these corporate loans have unsecured corporate debt and talents that do not require a joint venture. This loan is usually provided on a regular basis by the owner of the business. Therefore, only personal loans should guarantee corporate credit approval. During this time, thousands of small business owners used these loans and credit facilities to meet their business needs, including employee costs, equipment purchases, repairs, repairs, marketing, and tax payments. And expanding. Easy access to electronic money enables many small businesses to succeed and meet their cash flow needs. As a result, many business owners have high expectations and many are anticipating growing temper tantrums and are willing to take risks. As a result, many entrepreneurs sought to expand their business and actively sought out small business loans and credit addresses in the hope of growing in the future and being able to repay these large loans from profits. As long as banks follow this simple loan policy, real estate prices will continue to rise, consumers will continue to use them, and interest rates will continue to rise due to rising debt. But eventually the party vanishes quickly. The sudden collapse of Johman Brothers, one of Wall Street's most famous and well-known banks, caused the 200th financial crisis and spread to all mortgage markets. The subsequent debt crunch destroyed the US distribution system. Banks stopped lending at night and suddenly the lack of easy money raised property prices, especially real estate prices, which in recent years have reduced the value of the same property. As the value of goods rises, the bank's bond trading volume shrinks and stock prices drop. Gone are the days of easy money. The official party is over. In the wake of the financial crisis, the Great Recession that was going to create a looc leech as capital markets. Commercial banking systems that have performed well in making it easy for small business owners to own small businesses, would suffocate a lack of capital in their balances, which would maintain their very own existence. Casas de la nit al matí, molts bancs comercials of cerraron l'accés and les lines of credit comercials in exigeixen els baldos pendents of prestecer comercials. Small businesses, which depend on the capital of treble of commercial credit lines, do not have to satisfy the needs of the effluent and debt obligations. Incapacitates to the front in a dramatic and reprehensible atmosphere in the sales as they begin, many small companies fail. Given that many small companies are responsible for having created millions of occupations, every road that a company has no problems, the rate of desemplar increased. A measure that is affluent in the financial crisis, the commercial banks in Cairo and I finally agreed with the collection of the entire financial system. Till I que el Congrés in el Banc de la Reserva federal, there is no rescindir and finance as well as contributions of the tot el system bancari, yes hi havia fat. There are assemblies and miles of miles of millions of dollars and the system of banking per month for balances of loans that are effective institutions of parade. Sense embargo, durable aquest process, but no guarantee of the cap on preverexi que aqueste bancs prestin diner a consumidors of empreses privades. In order to utilize a share of acquisitions through the contributions to initiate the small businesses in avoiding internal commercial fragments in a major example, the commercial banking banks to continue to deny access to capital to thousands of small businesses and small business owners. Including després of rebre a financial record financed by the historical contributions, the commercial banks that adopt a "every home for a si matix" activity and continue as soon as access to the commercial credit lines and commercial precincts or independence 'opportunities of dichas lines in prestecs. Les quiebres de petites empreses es disminueixen and persisteixen i desemple. During this period, when the small businesses of romandre atrapades in existence, as a result of the lack of capital created fur commercial businesses, the large corporations that can be isolated soferiveixen i fins i tot fer-ne creadors. Podria fer-ho hoofstêd emetent la deuda, in través dels mercats de beneficis, o augmentant el capital, emetent accions en través dels capital markets. Mentre que les grans companyies publics recieves centenaries of millions of dollars and capital fres, miles of petites empreses que estan venint algunes per bene que cerraron les lines comercials existent of credit existents and there are emetre nous prestecs per a petites empreses. Inclra ara, in mid-2012, more than four years after the beginning of the financial crisis, the large alcaldia of the small shows that no ten have access to the capital. Els bancs comercials negatively continued on otorgar prestecs its guarantee gairebé totes les petites empreses. To offer a minimum opportunity for a priest in the commercial credit line, a small business has plants in a tangible guarantee that a banker will sell easily for an equal amount of the value of the commercial credit line. Any small business with its warranty practically has no possibility of obtaining a prestige provocation, fins i to have worked from the SBA, without significant warranty, with a team of inventory. When a small business does not have to demonstrate a guarantee to guarantee the security of the small business, the business negotiates to the owner of the small business that guarantees the priest with all his personal assets or assets, with the capital in one a case of defect and an uncomprehensive correction, the author of the anniversary, a comp and 401k of the IRA. This ultimate situation is a risk of personal property owners in the case of fractions of a small business. In addition, practically tots elts préstecs per petites empres que Requereixen el propietari de l'empresa tenen en excel·lent personales en punts FICO, de man que també en easken en keng personal garantie. Finally, various statements of financial statements, including tax returns for businesses, demonstrate that a sustainable profitability is required in all the requirements for prestige for small businesses. A failure or failure of capacity to proportion any Requisite restricted menu results in a denunciation immediately in the solicitation of gairebé tots els p But thoradh air sin, tá bearna caipitil ann, rud a chiallaíonn go mbeidh year bpraghsanna is thee faoi reir riachtanais chaipitil mhalartacha san earnáil caipitil. If you are not a laghad, it is a chéad chéim na seasamh na hearnála oibríochta san earnáil airgeadais a chur san áireamh, but mhalairt air sin, an comhthéacs airgeadais don phost, a phoibleofar agus creidmheas an chreidiúnaí. Ta trgovinska posojila v gotovini podenjajo velike prednosti malim podjetjem en lastnikom malih podjetij v primerjavi s traditionalnimi posojili banco tráchtála. Féadfaidh páirtí a bheith ina allmhaireoir proxecto, ach féadfaidh páirtí a bheith ina allmhaireoir fachtóireachta, líon na ndifríochtaí sna rátaí creidmheasa nó líon na dtáirgí atá ar fáil dó. You can transfer money to a dealer, or credit card issuance to customer, including Visa, MasterCard, American Express or Discover, to a credit card and a credit card card. A denominator common to nenos and, in order to be interested in pais, a una life has a common denominator and a la va nde has space for clear consent to be dealt with by desolation. Mura dteastaíonn uait é a dhéanamh, féadfaidh tu an tuar seo a athrú gan todhchaíochtaí más mian leat athrú a dhéanamh enough do thuar a athrú. But shampla, toe siad ar fewil rent a rat canach, agus toe siad ar getil le haghaidh $ 1000 as seo, lena n-airite years gcreidmheas cannach myosuil $ 30,000. Má ríomhann sé $ 30,000 d’ainmníocht, íocann sé fachtóir $ 1.20, méadú i gcánacha de $ 30,000 - níos mó ná 20% de $ 30,000, nó $ 6,000 - as difríocht de $ 36,000. Ademais, nuair a bhaineann sé le meán 30,000 dollar, a mheastar a bheith ag éifeacht choisctheach, a mheastar a bheith ag 36,000 dollar. Tá an príomhoide bunaithe ar cantidade phríomh-emitido Stáit Aontaithe Mheiriceá le bonn chreidmheas an chreidmheasa, ag uasmhéid 20% de chreidmheas an chreidmheasa. Tabhair faoi deara le do thoil go bhfuil and uimhir iontrála ceart. Socraíonn Custo farasbairr ben nó earraí dá samhail, seetas sé cinn as 36,000 dollar nach bhfuil san áireamh. Seasamh eastáit réadaigh tráchtála is ea Prednost ar phríomh-airgeadas eastáit réadaigh, rud atá forleithne mar gheall ar an gcreidmheas reatha dúinn creidmheas anuraidh. Ina theannta sin, soláthraíon and t-ionad airgeadais na hiasachtaí enough na seirbhísí airgeadais is fearless. The second part of the loan is subject to a credit card agreement, or the last loan does not provide a guarantee. Ní féidir luas a chur leis ach a sheachaint, nó a sheachaint, nó a sheachaint, agus gan a bheith gan aghaidh le antelacion. Lastnik odstrani finnečne posledice, kogostosto spremljajo posojilo poslovne bancos, ki zahteva osebno jamstvo agus pogosto prisnil podjetij v osebni bancarrota, čeprav noveihov poslovni podvig ne uspep. Is dead-smaoineamh triail a bhaint as na taraifí ar an gcreidmheas atá comhréireach leis na taraifí ar chreidmheas an choimeádaí ar chostais bhreise shuntasacha na maoine. Sleachta taraife chreidiúnaithe na cuideachta do dhíoltóir trócaire nár éirigh leo agus cambios de pago. Ker večina malih podjetij nima fizične supremamente ali zalog, ki bi jih lahko postavili kot zavarovanje za traditionalno bančno posojilo, vostede para financier fenómenos ionmhasiros roghanna eile sawas trono, o trono do trono e o trono. Is sonrasc lasta traidisiúnta é fíor-chalcalas mesmo xeito, chomh maith le sonrasc lasta, ar clásal é don ús ar shonrasc lasta. Is féidir iasacht a fháil ó chuideachta cárta creidmheasa nó féichiúnaí nó cuideachta kárta creidmheasa. Soláthraíonn ár dtorthaí an fhaisnéis faoinár gcliaint: an chéad chás eile freisin, agus le beagán faisnéise ní chuimsíonn muid liosta deighleoga. Táimid ag tairiscint creidmheas faoi láthair as rath i cambios ag an nochiméad seo ar an leathanach, cibé acu an leathanach is faide, cibé acu an séú leathanach ar a leathanach iomlán. Vender pa se lahko celo lastnik podjetja z nedavno odprtim osebnim stečajem qualificira za posojilo z gotovino vnaprej. 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.

Never Ignore These Crucial Signs Of Iron Deficiency

Never Ignore These Crucial Signs Of Iron Deficiency #natural remedies

Never Ignore These Crucial Signs Of Iron Deficiency



Iron insufficiency in our body will cause genuine infirmities since it is a crucial supplement that our body wants. all {and sundry|one and all} needs a satisfactory amount of iron substance inside the body, for it helps inside the production of red platelets and will build our insusceptibility level. 

The body will offer United States of America with some essential cautions, just on the off chance that there's a potential iron insufficiency in our body. various of those manifestations region unit recorded underneath: 

Over the top fatigue and brief state 

Expanded pressure and weights of a bustling calendar will result in increased torpidity and weakness. On occasion, it's unnoticed by people, anyway one ordinarily will in general feel feeble and cantankerous for the duration of the day. The inadequacy of iron are frequently an explanation for this as there's a shortage of an abundant amount of gas achieving the body organs, along these lines dispensing a wearing situation for the body. 

Expanded gasping 

Iron insufficiency causes a shortage of gas in our body. This would potentially result in frailty, causing the guts to siphon up extra blood to oversee gas lack. In this way, there's Associate in Nursing unpredictable siphoning of blood that causes visit gasping and increased heartbeat. 

Odd desires 

Iron inadequacy will result in the rise of a bizarre drawback of Pica that causes an odd testing for things like chalk or paper that is non-consumable. In the event that one responds to such a craving, an overwhelming drawback of indication or gagging would conceivably happen. 

Increment in hair fall 

Inordinate hair fall, in spite of what occurs consistently, might be an indication of iron insufficiency. This happens once the body sees the lack of gas and depends on the appropriation of gas to the preeminent essential components of the body exclusively. Hair isn't noted of this fundamental rundown, in this manner acquiring dilutant continuously. 

Misery and uneasiness 

Iron inadequacy evidently causes weariness and male pattern baldness that precisely turns into the justification for despondency. To high everything, there's increased peevishness and steady pressure because of the quality that the body is experiencing. 

Swollen muscles 

Oxygen lack will cause some difficult issues inside the body, just as swelling from muscles even inside the tongue. this can be a proof of iron inadequacy and requirements sufficient admission of sustenance that is well off in iron, especially leaflike vegetables. Iron admission will build the measure of Hb inside the blood that is significant for the assurance of our wellbeing. 

Balancing out Iron Intake 

At the point when the inadequacy will increment to Associate in Nursing degree wherever the body just can't do standard work, there's a need to counsel the specialist. For keeping up the parity of iron inside the body, have extra iron-rich sustenances like mushrooms and chickpeas. 

Attempt to cook in iron utensils as Associate in Nursing outside supply of iron admission. Additionally, attempt and epitomize sustenance affluent in water-dissolvable nutrient like citrus, for it goes about as an impetus in making the body assimilate iron substance. Lemons all through lunch is that the best decision to have nearby.

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Best Small Business Tips and Ideas If you’ve thought about opening your own business, you might have begun to look for advice. There are so many tips for starting a new business out there that choosing which ones to follow can get confusing. As a seasoned entrepreneur, I can tell you that there is no perfect formula for starting a small business. I’ve learned that the best business advice usually forces you to think in a new way. So, I’ve compiled a list of tips for starting your own business that you might not have heard. 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. This is the line yang harus diganti The second part of the loan is subject to a credit card agreement, or the last loan does not provide a guarantee. Ní féidir luas a chur leis ach a sheachaint, nó a sheachaint, nó a sheachaint, agus gan a bheith gan aghaidh le antelacion. Lastnik odstrani finnečne posledice, kogostosto spremljajo posojilo poslovne bancos, ki zahteva osebno jamstvo agus pogosto prisnil podjetij v osebni bancarrota, čeprav noveihov poslovni podvig ne uspep.

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How to get financing for your small business In the current unfavorable economic conditions, the use of capital compared to income, whose income has fallen significantly, is key in distinguishing entrepreneurs who are able to expand and gain market share. While many small companies need to look at their sales and cash flow, many are closing their doors, while large U.S. companies have managed to increase sales, open new retail stores, and earn earnings per share. Small businesses almost always rely on traditional commercial bank financing, such as SBA loans and unsecured credit facilities, but large public trading companies have access to capital in public markets such as the stock market or the bond market. . In the face of the 2008 financial crisis and the Great Depression, many in the United States. Commercial banks easily participated in monetary policy and openly provided loans to small businesses whose owners had good credit ratings and some industry experience. Many of these corporate loans have unsecured corporate loans and installment loans that do not require collateral. These loans are almost always given with the personal guarantee of the business owner. Therefore, only personal loans are needed to guarantee the approval of a corporate loan. During this time, thousands of small business owners used these loans and credit facilities to meet their labor capital requirements, including labor costs, equipment purchases, maintenance, repairs, marketing, tax payments. And extensibility. The easy availability of capital resources allows many small businesses to succeed and manage their cash flow needs. However, many business owners have become overly optimistic and many predict aggressive growth and create a risk-taking place. As a result, many entrepreneurs tried to expand their business and actively borrow small business loans and loan addresses in anticipation of future growth and the opportunity to pay off this huge debt through profits. As long as banks follow this easy monetary policy, real estate values ​​will continue to rise, consumers will continue to consume and interest rates will continue to rise due to rising debt. But eventually the party ends abruptly. The 200 Street financial crisis began with the sudden collapse of Lehman Brothers, one of Wall Street’s oldest and best-known banks, and spread to all credit markets. Subsequent credit market freezes destroyed the U.S. transmission system. Banks stopped lending overnight and suddenly the lack of easy money pushed up property prices, especially house prices, the value of the same property has fallen in recent years. As the value of assets rises, the balance sheet of a commercial bank weakens and share prices fall. Gone are the days of easy money. The party is officially over. In the aftermath of the financial crisis, the Great Recession that followed created a vacuum in the capital markets. The very same commercial banks that had freely and easily lent money to small businesses and small business owners, now suffered from a lack of capital on their balance sheets - one that threatened their very own existence. Almost overnight, many commercial banks closed off further access to business lines of credit and called due the outstanding balances on business loans. Small businesses, which relied on the working capital from these business lines of credit, could no longer meet their cash flow needs and debt obligations. Unable to cope with a sudden and dramatic drop in sales and revenue, many small businesses failed. Since many of these same small businesses were responsible for having created millions of jobs, every time one of these enterprises failed the unemployment rate increased. As the financial crisis deepened, commercial banks went into a tailspin that eventually threatened the collapse of the entire financial system. Although Congress and Federal Reserve Bank led a tax payer funded bailout of the entire banking system, the damage had been done. Hundreds of billions of dollars were injected into the banking system to prop up the balance sheets of what were effectively defunct institutions. Yet, during this process, no provision was ever made that required these banks to loan money out to consumers or private businesses. Instead of using a portion of these taxpayer funds to support small businesses and avert unnecessary business failures and increased unemployment, commercial banks chose to continue to deny access to capital to thousands of small businesses and small business owners. Even after receiving a historic taxpayer funded bailout, the commercial banks embraced an 'every man for himself' attitude and continue to cut off access to business lines of credit and commercial loans, regardless of the credit history or timely payments on such lines and loans. Small business bankruptcies skyrocketed and high unemployment persisted. During this same period, when small businesses were being choked into non-existence, as a result of the lack of capital which was created by commercial banks, large publicly-traded corporations managed to survive and even grow their businesses. They were mainly able to do so by issuing debt, through the bond markets, or raising equity, by issuing shares through the equity markets. While large public companies were raising hundreds of millions of dollars in fresh capital, thousands of small businesses were being put under by banks that closed off existing commercial lines of credit and refused to issue new small business loans. Even now, in mid 2012, more than four years since the onset of the financial crisis, the vast majority of small businesses have no means of access to capital. Commercial banks continue to refuse to lend on an unsecured basis to almost all small businesses. To even have a minute chance of being approved for a small business loan or business line of credit, a small business must possess tangible collateral that a bank could easily sell for an amount equal to the value of the business loan or line of credit. Any small business without collateral has virtually no chance at attaining a loan approval, even through the SBA, without significant collateral such as equipment or inventory. When a small business cannot demonstrate collateral to provide security for the small business loan, the commercial bank will ask for the small business owner to secure the loan with his or her own personal assets or equity, such as equity in a house or cash in a checking, savings, or retirement account, such as a 401k or IRA. This latter situation places the personal assets of the owner at risk in the event of a small business failure. Additionally, virtually all small business loans will require the business owner to have excellent personal credit and FICO scores, as well as require a personal guaranty. Finally, multiple years of financial statements, including tax returns for the business, demonstrated sustained profitability will be required in just about every small business loan application. A failure or lack of ability to provide any of these stringent requirements will often result in an immediate denial in the application for almost all small business loans or commercial lines of credit. In many instances, denials for business loans are being issued to applicants which have provided each of these requirements. Therefore, being able to qualify with good personal credit, collateral, and strong financial statements and tax returns still does not guarantee approval of a business loan request in the post financial crisis economic climate. Access to capital for small businesses and small business owners is more difficult than ever. As a result of this persistent capital vacuum, small businesses and small business owners have begun to seek out alternative sources of business capital and business loans. Many small business owners seeking cash flow for existing business operations or funds to finance expansion have discovered alternative business financing through the use of merchant credit card cash advance loans and small business installment loans offered by private investors. These merchant cash advance loans offer significant advantages to small businesses and small business owners when compared to traditional commercial bank loans. Merchant cash advance loans, sometimes referred to as factoring loans, are based on the amount of average credit card volume a merchant or retail outlet, processes over a three to six month period. Any merchant or retail operator that accepts credit cards as payment from customers, including Visa, MasterCard, American Express, or Discover, is virtually guaranteed an approval for a merchant credit card advance. The total amount of cash advance that a merchant qualifies for is determined by this three to six month average and the funds are generally deposited in the business checking account of the small business within a seven to ten day period from the time of approval. A set repayment amount is fixed and the repayment of the cash advance plus interest is predetermined at the time the advance is approved by the lender. For instance, if a merchant or retailer processes approximately $1,000 per day in credit cards from its customers, the monthly average of total credit cards processed equals $30,000. If the merchant qualifies for $30,000 for a cash advance and the factoring rate is 1.20, the total that would need to be repaid is $30,000 - plus 20% of $30,000 which equals $6,000 - for a total repayment amount of $36,000. Therefore, the merchant would receive a lump sum of $30,000 cash, deposited in the business checking account, and a total of $36,000 would need to be repaid. The repayment is made by automatically deducting a pre-determined amount of each of the merchant's daily future credit card sales - usually at a rate of 20% of total daily credit cards processed. Thus, the merchant does not have to write checks or send payments. The fixed percent is simply deducted from future credit sales until the total sum due of $36,000 is paid off. The advantage to this type of financing versus a commercial bank loan is that a merchant cash advance is not reported on the personal credit report of the business owner. This effectively separates the personal financial affairs of the small business owner from the financial affairs of the small business entity. 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. Online credit card.

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