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strong business credit

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TIME TO MARKET

            Who is willing to dedicate the time and hard work necessary to properly market your small business to the right people? There are countless books, websites and ...READ»

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THE SPIRIT OF EXPANSION

            What exactly is an entrepreneur and how does it relate to small business expansion? There are many differing views on what makes someone worthy of this ...READ»

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BILLABLE HOURS

            While the term “billable hours” is most commonly associated with law professions, this concept should be used by all business owners. It’s important to set the ...READ»

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WORKING SMART VS. WORKING HARD

            Many people associate working long hours with working hard. As a business owner, you might pat yourself on the back after a long, hard day at work. But business owners ...READ»

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PLANNING FOR THE SLOW TIMES

            It’s important to remember that all businesses have downtime. There are periods when business is slow no matter how much you advertise. Your business may be ...READ»

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PRUNING TIME

            Your small business is bound to yield fruit when you keep long-term goals in mind during daily operations. In this chapter, you will find tips that will help your ...READ»

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STRATEGIC ALLIANCES

            Strategic Alliances are a strategy for getting what you need for your small business without necessarily incurring further debt. This happens when two or ...READ»

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BROKERS & DEALERS

            A broker is defined as anyone who makes securities transactions for others. (The exception to this is a bank.) A dealer is defined as someone who buys and ...READ»

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SECURED CREDIT CARDS

            A great way to get in the door with some alternative financing institutions is to take out secured cards. The concept is the same as any other secured credit card. A ...READ»

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UNIFORM COMMERCIAL CODE

             The Uniform Commercial Code, or UCC, is an excellent tool for business owners to protect themselves with small business laws as both creditors and as debtors. ...READ»

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ADVANTAGES OF LEASING EQUIPMENT, AUTOMOBILES & MACHINERY

            Leasing equipment can become very advantageous to a small business owner. The company which finances the equipment retains ownership, while the business owner has the ...READ»

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FACTORING

             Factoring is an effective business-to-business transaction that allows a small business to get the necessary loan when working capital is tied up in equipment, ...READ»

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CREDIT CARD ADVANCE FINANCING

            For many businesses owners, borrowing money during tough times can be difficult. There is a new alternative to conventional lending practices that is becoming ...READ»

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CANADIAN ALTERNATIVE FINANCING

             Setting up shop in Canada comes with its own set of obstacles and benefits. Statistics Canada reports that 75% of job creation is through small businesses. ...READ»

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REAL ESTATE BACKED FINANCING

Many private investors or alternative lenders will issue financing without any security or collateral, justified through risk mitigation of higher interest rates. However, collateral is not ruled out altogether in alternative ...READ»

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Seeing the Big Picture

The Fourth of July weekend is a great time to kick back and look around at your family.  This is the time of year that most of us stop and see the big picture….the reasons why we work so much; the reasons for putting up ...READ»

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Jeff Skoll: Doing Good Business

 Jeff Skoll achieved notoriety as the first president and second full-time employee of the internet auction company, eBay. He became a man with a mission after getting a wakeup call at the age of 14 when his father ...READ»

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NO GUARANTEES

             No Guarantees is one of the cornerstones of Free Market Economics. There are no guarantees. Business success happens through methodical, daily efforts. Healthy competition in all sectors ensures that even the ...READ»

Social Entrepreneurship

 There is a movement across the globe today that says solutions to society's most pressing social issues cannot be left up to the government to determine. Social entrepreneurs are business owners that decide to take on ...READ»

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ALTERNATIVE ENRICHMENT

                         Alternative financing may be the perfect solution for companies looking for additional means of securing adequate business funding. This form of financing may be used to carry a new ...READ»

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Diamonds Are A Cereal Marketer's Best Friend

 When C.W. Post started a small business in 1895 with his first batch of "Postum" (breakfast cereal) he probably did not foresee his company getting into the diamond business. The cereal company has ...READ»

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CREDIT BASED VS NON-CREDIT BASED FINANCING

When it comes to non-credit based small business financing, the benefits are evident.READ»

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UNDERSTANDING FINANCING

             New small business leaders and managers have to develop at least basic skills in financial management. Expecting others in the organization to manage small business finances is clearly asking for trouble. ...READ»

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Starbucks Used To Be A Small Business

When our forefathers arrived on this continent they brought with them a vision of a new world with thriving commerce and raucous marketplaces. No matter what the media may be pushing on us about the economy, the vision ...READ»

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DEBT-TO-INCOME RATIO

 A small business’s debt-to-income ratio (DIR) is most easily explained as the ratio of a borrower's total debt as a portion of their total gross income. This ratio, more commonly expressed as DIR or simply “debt ratio,” ...READ»

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