|
Business Startup Loans - Grants for Women - Minority
Grants - Women in Business - Woman-Owned
|
What You Need to Get a Small Business Loan
|
Getting a business loan is an involved process. It requires more documentation than applying for consumer credit. So don't be dismayed by the amount of paperwork needed. Instead, be ready.
The most effective thing you can bring to the lender is a skillfully put-together and well-documented business plan. State the purpose of the loan (will the money be used for temporary working capital, acquiring equipment, or expanding facilities?) the funds wanted and for how long, and a repayment schedule. Your business plan must include: |
09 Jun 2010 by Rebecca Game
|
|
|
|
Small Business Lending - What the Bankers Want You to Know
|
Recently I sat down with two bankers from Chevy Chase bank, the Washington DC metro region's largest locally owned bank, now a division of Capital One, N.A.
I was intrigued to hear what they had to say about the state of small business lending. As a company that has always prided itself as a local bank, but backed by the securities of a U.S. based bank with the 8th largest deposit portfolio in the United States, they assured me they are lending - but to whom?
What types of small businesses are best positioned to get loans today? |
09 Jun 2010 by Rebecca Game
|
|
|
|
Business Loans For Women - Simple, Secure and...
|
|
Being a woman you want to start up your own business venture? Want to establish your name in the commerce industry as a good entrepreneur? But, inadequacy of finance is the main hurdle in the way to turn your dreams in to reality. Then, no need to depress as business loans for women is available to you. If you are women then you may avail funds easily but proving your financial ability is the desired step in the way to attain swift funds through these loans. |
09 Jun 2010 by Rebecca Game
|
|
|
|
Business Property Loans
|
People often think about mortgages and such loans in connection with buying commercial property. But they can also be used to generate business cash against this type of asset when needed. This article covers the different types of business property loans that are available such as commercial mortgages and bridging loans and how to go about raising a business property loan.
|
26 Apr 2010 by Rebecca Game
|
|
|
|
Overlooked Advantages of an S Corporation
|
The big S corporation advantage is payroll tax savings. But let me explain...Partnerships and sole proprietors pay employment taxes on all of their business's profit. In comparison, S corporation shareholders don't. S corp shareholder-employees pay employment taxes only on the business profit paid out as wages.
|
21 Apr 2010 by Rebecca Game
|
|
|
|
Structuring My Business To Save Tax
|
Whether you are a new business or have been trading for some time, you will at some point wonder whether you should you think of incorporating your business. Is it best to trade through your own limited company rather than as a sole trader or partnership? It's a good question to ask for both business reasons and potential tax savings. In general though, it makes more sense to incorporate for business reasons rather than just to save tax, as the tax regime changes over time and any planned savings may no longer be available.
|
13 Apr 2010 by Rebecca Game
|
|
|
|
How to Market Your Business In an Economic Recession
|
Just because we are in the midst of a recession doesn't mean that you have to cut back on your marketing. You can't afford to do that. As a matter of fact, in the midst of a recession is the time that marketing efforts must be increased, not cut back.
Yet traditionally, the problem is that a recession or economic downturn means you have less business, less revenues, and the very first thing that business owners usually cut when revenues fall is the marketing and advertising budget. Nowadays, however, you can get a tremendous advantage over your traditionally-minded competitors by increasing your recession-time advertising and marketing without breaking the financial back of your business. |
11 Apr 2010 by Rebecca Game
|
|
|
|
Writing a Press Release
|
Press Release is an exceptional marketing tool which has a huge role in turning a SEO promotion successful. This assists in improving the popularity of the site by giving you immediate publicity in favor of your business, web site, products, and services. It is one of the incredibly valuable methods to get visitors to your sites. Press release websites distribute the press release to their big network and which is why a lot of internet users see the news release and then they are able to visit your website buy your product or service.
|
11 Apr 2010 by Rebecca Game
|
|
|
|
The Basics of Small Business Grants and How You Can Get One by Adriana Copaceanu
|
|
Small business grants are a popular topic because they're alluring. After all, a grant will give you money to start your own small business, and you will not have to pay it back. It's sort of like getting a gift of money, or an inheritance. |
31 Mar 2010 by Rebecca Game
|
|
|
|
Six Concepts To A Successful Home Business
|
What makes a successful Home Business?
Let's take a few minutes to analyze the six main concepts to success in any business. If you understand the concepts, and incorporate them in your home business, you have the potential for success beyond your wildest imagination! |
27 Mar 2010 by Rebecca Game
|
|
|
|
The Importance of Planning For Your New Home Business
|
You've decided to start your own home business, perhaps because you hate your current job and loathe getting up early in the morning to travel to work every day, or maybe because you regret not being there to see all the milestones in your children's growth. You could be approaching retirement and worrying about the lifestyle you will be forced into.
Whatever your reason, starting your own home business will give you flexibility and if done well, will bring in that extra income you are after. Even if your funds are very limited, you can still get going by starting part-time while you work your regular job. The important thing is to plan, know what you want to do and then get started. Plenty of other people have built a very profitable online business working from home and so can you!
|
22 Mar 2010 by Rebecca Game
|
|
|
|
Small Business Owners: 10 Ways to Stabilize Your Business During a Recession
|
Yesterday, my friend Terry called me to ask my advice about what her accountant had just said to her. Terry had been told to put into place a "survival plan" for her business. She was reluctant to do so and wanted my counsel and advice.
Terry was upset. Besides cutting expenses, her accountant asked her to consider laying off one or two of the people who work for her, eliminating her employees' sick and personal days, and a salary cut for everyone.
She knows that this is the advice many small business owners are getting right now. But, she was curious to know, is it the right advice? Is there better advice to consider?
|
22 Mar 2010 by Rebecca Game
|
|
|
|
A Bridging Loan
|
If possible, taking out a bridging loan against commercial property can be one of the fastest ways to raise substantial sums of cash for a business. However these types of loans are expensive and this article discusses how bridging loans work and the risks involved in taking one.
Commercial property bridging is a small and specialist area of short term lending. Advances are driven almost exclusively by property valuations on a 'ninety day' basis where the valuer assumes there is only a restricted period within which to sell the property.
|
22 Mar 2010 by Rebecca Game
|
|
|
|
7 Keys to Better Brainstorming
|
What is really at the heart of business success? Ideas. Without new ideas, companies can achieve no more than the status quo. Ideas lead to better products, more effective marketing and sales, efficient operations and communications; you name it. Without ideas, organizations have nothing.
The most widely used tool for generating and developing new ideas in organizations is group brainstorming. Literally hundreds of thousands of brainstorm sessions take place in offices and conference rooms across the globe, every single day.
|
06 Mar 2010 by Rebecca Game
|
|
|
|
Managing An Online Home Business
|
Studies have shown that the prevailing changes in the world's economic climate have played a significant role in the promotion of the Online Home Business. However, the phenomenon is expected to keep recording remarkable growth because of its many advantages, including simplicity of its management. Also, because many people will keep exploring opportunities that would aid actualising their dreams on multiple streams of income, an idea that has been simplified through the power of the internet, online home business will continue to strive.
However, any business, including online home business that is not properly managed is on its way to collapse |
06 Mar 2010 by Rebecca Game
|
|
|
|
What is the State of Your Company's Sales Tax?
|
During the past year, I've seen companies of all sizes be surprised by the outcome of a sales tax audit. At the time the audit began, everyone was confident the auditor would walk out disappointed. After the auditor was done, the only disappointed people were the CFO and CEO. In nearly every case, the problems found by the audit could be prevented. This article discusses some of the most common causes for large sales tax assessments.
|
04 Mar 2010 by Rebecca Game
|
|
|
|
7 Life-Changing Financial Decisions U.S. Expats Must Consider to Protect Their Assets and Investment
|
The many moving parts of an U.S. Expatriate's financial world must be brought together under one qualified tax and financial advisor. So much more hinges upon the proper application of the additional tax regulations associated with earning income abroad. However, relying on just a tax professional to manage all the moving parts, excludes other critical investment, pension, legal and insurance arenas that need to be taken under consideration. Pulling all these areas together in a do-it-yourself fashion can lead to many costly mistakes. Working together with an experienced financial advocate can help you properly implement the many advantages of living and working overseas.
|
04 Mar 2010 by Rebecca Game
|
|
|
|
Factoring Accounts Receivables in 2010 for ROI
|
A number of businesses have stayed in business today thanks to working capital garnered from invoice factoring for small business. Tight credit at mainstream banks has made it challenging.
First documented in the American colonies before the revolution, factoring started at a time when materials and/or goods were shipped from the colonies to the Americas. Invoice factoring is not a loan but it's the purchase of financial assets, also known as receivables. It differs from traditional bank loans as follows. Bank loans involve two parties, and factoring involves three parties |
27 Feb 2010 by Rebecca Game
|
|
|
|
The Importance and Role of A Credit Bureau
|
Ordering and examining your credit report on a regular basis is very important so you can easily dispute any error or issue. Experts advise consumers to order a copy of their credit reports from credit bureaus to personally check it. What are credit bureaus? What is the role they play in building a person's credit. How can they help you with your credit issues?
|
27 Feb 2010 by Rebecca Game
|
|
|
|
Business Planning Documents - An Introduction
|
Proprietors, administrators and executives can take the time to plan for organizational needs by creating the technical documents that will secure organizational success. Most companies leaders know that it is best to start with the business plan; but don't stop there! Using all of the resources available to create the most dynamic organization possible develops a strong foundation and nurtures a healthy future. Proper planning will allow a company to create and reach measurable goals while noting milestones along the way. Some of those all important documents are as follows:
|
26 Feb 2010 by Rebecca Game
|
|
|
|
10 Ways To Position Yourself As an Expert Using Social Media Marketing
|
Let's start by answering a very simple question:
As a small businessperson, entrepreneur, or Internet marketer, why would you want to position yourself as an expert?
The answer is very simple. Everybody trusts an expert. And, as every salesperson will tell you, individuals want to do business with people they know, like, and trust.
It doesn't matter whether you are a doctor, lawyer, accountant, auto mechanic, business owner, or consultant. Being seen as an expert in your niche will help your business and your career.
I have found that the best way to brand yourself as an expert is by using a 10-step strategy that leverages Social Media. This includes LinkedIn, Twitter, Facebook, YouTube, and blogs.
|
26 Feb 2010 by Rebecca Game
|
|
|
|
Real Estate Investing - How to Calculate 3 Commonly-used Returns
|
In real life, there is no "secret" way to attain real estate investing success. I wish it were not so, but successful real estate investing requires hard work, good research, and a systematic analysis of each and every investment property opportunity.
Yes, a proficient real estate professional can help you find, research, and even analyze the profitability of specific investment opportunities. But it is inexcusable for you not to be prepared. It is good for you to have some knowledge of the rates of return real estate investors commonly use during the analysis process before you make that all-important decision to purchase a rental property, regardless.
|
16 Feb 2010 by Rebecca Game
|
|
|
|
Publicity Secrets To Creating Buzz For You And Your Business
|
Get the competitive edge by create thought leader status and be seen as a national expert by your target markeing. Writing a book, special report or e-book is a fast way to jumpstart your publity outreach.
This article presents the promotional, branding and publicity benefits you need to know about promoting your book using radio media. Reach millions of people with your message, experience your dream of your book making it BIG, get booked as the guest interview on radio shows and experience your marketing, branding, book promotion and publicity goals and let your dreams come true.
|
10 Feb 2010 by Rebecca Game
|
|
|
|
Refinancing Home Mortgage: Understanding Your Options
|
|
Are you considering refinancing your home mortgage? You re not alone these days. The drop in interest rates and turbulence in the housing market has made refinancing home mortgages a very popular option. There are several reasons for seriously considering a mortgage refinance, and each of them suggests choosing a particular option for doing so. |
08 Feb 2010 by Rebecca Game
|
|
|
|
10 Ways to Get Banned by the Search Engines
|
When you build your website, you, of course, want to get high rankings in the search engines. There are lots of ways to do this and lots of ways to NOT do this. Below are 10 things to avoid if you want to be in good standing with the search engines.
1. Duplicate Content/Sites Do not set up multiple sites or site pages using basically the same content with a few different keywords spread around. This does not fool the search engines.
2. Cloaking Cloaking is when a website or webpage is set up to show different content for a search engine spider than the human visitors. The cloaked page (for the spiders) is stuffed with keywords in an attempt to get higher rankings. What it can get you is banned!
3. Linking to Bad Neighborhoods Be careful who you link to because you can be found guilty by association. Do not link to adult sites, gambling sites or link farms. Also be careful not |
08 Feb 2010 by Rebecca Game
|
|
|
|
Management As A System
|
What is a system?
A system is comprised of processes, some important, some not so important. A process has a start and a stop, an in and an out. You know you have a process when you can flow chart it on a piece of paper. A process has a certain state. It is mature and working well or could be embryonic and very immature. A process can be broken if some pieces are not working well together. The system then represents the state of all of its processes. The idea of a system is to focus on long term stability. Understanding the system helps not to make short term decisions which may temporarily fix the immediate need but damage the system in the long term. It is easy when trying to resolve problems to focus on cause and effect.
|
05 Feb 2010 by Rebecca Game
|
|
|
|
Can I Sell My Financially Challenged Business?
|
The answer to our question is of course, yes, but not for the profit you once imagined. Business owners and financial managers have to realize that when they make a decision to sell a business that is challenged that they have to totally un-focus on what the business was worth in the past, and what might be worth in the future. The reality is of course the here and now!
Naturally the danger is that a business founder/owner is improperly focused on a very inaccurate opinion of what the business currently might be worth... |
29 Jan 2010 by Rebecca Game
|
|
|
|
What a Mortgage Lender Provides
|
Today s low mortgage rates mean refinancing is more popular than ever, and more and more homeowners and home buyers are looking for the best mortgage rates and terms for their budgets. But wading through the paperwork associated with mortgages and refinancing can take a lot of time and care, and the process of reviewing multi-page documents is often confusing and frustrating.
Fortunately, mortgage lenders are in an ideal position to help potential borrowers negotiate the maze of terms and jargon that comprise the average mortgage document.
|
28 Jan 2010 by Rebecca Game
|
|
|
|
Small Business Advice: Are You Image-Marketing?
|
If you're a bootstrapping solo entrepreneur, image-marketing should probably be pretty darned low on your list of priorities.
But before I offend too many people, let me say if your competition tends to be heavy corporate types or mega-company types, then you are probably competing with mega "image-marketing" as well and may need to do some level of that.
That said, here's why I'd ditch image-marketing any day in favor of these 3 types of marketing that are far more effective ...
A logo does not a dollar make
My confession is in my very first business, I lamented for weeks, going back and forth with my designer on creating the perfect logo. But let's think about this for a minute. Ask your raving fans and happy clients what your logo looks like. They probably won't have a clue.
|
25 Jan 2010 by Rebecca Game
|
|
|
|
Smarter Business Marketing: Stop Falling Into the Marketing 'Do Over' Trap
|
I recently spent two full days with a Private Platinum Intensive client and discovered something that astonished me. After carefully considering everything she had created or delivered in the past few years it became crystal clear she was sitting on a goldmine she didn't even know she had.
Not surprising since she, like many of the women entrepreneurs I mentor, have trouble appreciating the value in what they've already done. Instead, they think they have to start over, reinventing everything in order to create the income they desire.
If this sounds like you, then let me reassure you: with a few simple tweaks you'll likely have a fresh, new way of offering your products or services. Trust me, revamping what you have will save you a ton of time, energy and money compared to creating everything from scratch!
|
25 Jan 2010 by Rebecca Game
|
|
|
|
How To Start A Blog Writing Business
|
Anyone with desire to learn, and a small bit of talent, can start their own blog writing business. As a matter of fact this is one of the most in demand services you can provide.
It's interesting that so many people are becoming blog writers today. This really is an excellent example of how to make extra money. Providing a valuable service such as blog writing allows you to make money anywhere in the world where you can log online.
|
13 Jan 2010 by Rebecca Game
|
|
|
|
Cash Flow Problems: How Two Types of Women Entrepreneurs React
|
Every female business owner has probably experienced it: just as her business is humming along, pulling in profits, picking up patrons, things slow down. Sometimes, they slow way down. For both the experienced entrepreneur and the fresh-faced business owner, it s imperative that the cash flow slow down doesn't come as a surprise, and that it s handled with careful consideration.
|
03 Jan 2010 by Rebecca Game
|
|
|
|
Make A Difference And Watch Your Sales Grow
|
|
During the past two decades, many of the major insurance companies have been moving to and focusing on the more affluent markets. They want to believe they can make more and larger sales in those markets. Thus, they'll need less agents, which means they'll spend much less money on recruiting and training and they'll make huge profits. They appear to have forgotten whom they served for the past 100 plus years, and what made them the mega companies they are today. According to LIMRA (Life Insurance Marketing and Research Association) the Middle Income marketplace is wide open. And, in our opinion this provides an exceptional opportunity for those few insurance agents, financial advisors and financial planners who will make the effort to learn how to truly help Middle Income Families to solve their financial problems. |
17 Oct 2009 by Rebecca Game
|
|
|
|
Marketing Tips For A Home Based Web Business
|
|
Any home based web business needs to consistently do ongoing work to build a online presence and attract visitors who are using the web to locate information on different subject matter. Marketing online is an continuous goal of locating keywords which relates to the sites subject matter, supplying articles of useful information around the selected keywords, optimizing the pages for publishing on the web around the keywords and trying to locate related non competing sites for one way back links to help increase search rankings. There are a few different ways to approach these marketing techniques and the point is to try and eliminate what does not work and keep what does. |
16 Oct 2009 by Rebecca Game
|
|
|
|
Ezine Marketing: How to Triple Your Ezine Opt-ins With a Squeeze Page
|
|
For years I've resisted the urge to create a squeeze page for my email newsletter. A squeeze page is a one-page site, or a landing page on a site, that has one call to action: convince the visitor to enter her name and email address to join your list and/or receive your giveaway. On a traditional squeeze page, the visitor has only one option -- to part with her name and email address to opt into your list. This is how the squeeze page term was coined, as the visitor is "squeezed" for her contact information to permit her to continue into the site. |
16 Oct 2009 by Rebecca Game
|
|
|
|
Protecting Yourself from Foreclosure
|
|
All is not lost when it comes to protecting yourself from foreclosure. Here are the steps that you need to follow to protect yourself from the foreclosure process. Keep in mind that once your lender has expressed his or her plans to foreclose on your home, your time is extremely limited. This is a fast moving process, and because time is of the essence, you have to act fast if you want to succeed. |
16 Oct 2009 by Rebecca Game
|
|
|
|
The Benefits of Green Business
|
|
Businesses have many reasons for choosing to implement an ISO 14001 green business management system and most have their eye on the benefits for their business as well as for the greater environment. ISO 14001 is an investment of time and money but done right, it brings very real benefits. Green business can be very good business and it is is about environmental sustainability including consideration of a wide variety of environmental issues not merely requiring good energy management. Increasingly it includes a focus on reducing the carbon footprint of the business involved. |
16 Oct 2009 by Rebecca Game
|
|
|
|
How to Pick a Strategic Partner for Business Success
|
It wouldn't take a lot of energy to look around and find tons of information on small business help, small business resources, those who can help small businesses and what those people can help you actually do to improve your small business.
What is a strategic partner? My definition: the Entrepreneur s Strategic Partner is a trusted resource, that will give you advice, tools, and resources that will drive execution that bring about results. Effició s tagline says it best getting to the CORE of business. |
15 Oct 2009 by Rebecca Game
|
|
|
|
Using the Internet to Build a Network Marketing Downline by Attracting People to You
|
Using the internet to attract people and build a downline reminds me of when I was first starting my Network Marketing business.
I decided creating an online presence was the way to go so I started a website. I didn't have much help but this seemed like the way to go. It had been a couple of months and my website was getting very little traffic - maybe 10 or 15 people a day visiting, but no contacts were made.
One evening I decided to check my website stats. When I logged in, there had been over 300 contacts made. I KNEW it had to be an error. No way I had that many. I had been getting pretty discouraged at this point and even 3 contacts would have seemed like a miracle. I restarted my computer to clear the 'bug' and get the real stats. But when I logged back in there were over 400 contacts and growing. Long story short, I got over 5000 contacts that week. |
15 Oct 2009 by Rebecca Game
|
|
|
|
Writing and Publishing a Successful Newsletter to Promote your Business
|
Writing and publishing a successful newsletter is perhaps the most competitive of all the different areas of mail order and direct marketing.
Five years ago, there were 1500 different newsletters in this country. Today there are well over 10,000, with new ones being started every day. It's also interesting to note that for every new one that's started, some disappear just as quickly as they are started - lack of operating capital and marketing know-how being the principal causes of failure. |
15 Oct 2009 by Rebecca Game
|
|
|
|
Strategies for Competitive Advantage in Small Business
|
|
Before competitive advantage strategies can be launched, you must consider the needs of your "buying customers" (i.e. Those who pay for your products and services) and your "supplying customers" (i.e. your employees). If you work to keep both of these groups happy (and do not sacrifice one over the other), you will set the stage for weathering the economic storm and outpace the competition. The reason is simple. When you treat your employees as though they were gold, you will ease the stress and worry that they feel during these economic times and they will perform better. They will be better able (and more willing) to implement "above and beyond" strategies for retaining your buying customers. |
14 Oct 2009 by Rebecca Game
|
|
|
Digital-Women Grants Loans Small Business - Business
Loans for Women - Free Grant Money for Women - Sitemap
- Pro Business Membership - BLOG
Copyright © 1998-2010 Digital Women National Foundations, Grants, and Loan Info
® Rebecca Hubbard rebecca@digital-women.com
|
Business Loans for Women
Minority & Women Grants
|