How to get a Peer to Peer Loan
What is a P2P Loan?A peer-2-peer loan is an alternative to traditional lending, in which the borrower receives a loan from another individual rather than a lending institution. Those with money to invest for profit can join a P2P lending network and give out loans to those who may not qualify elsewhere.
Please visit us at http://www.commercefinancialinc.com
Monday, June 27, 2011
Thursday, June 23, 2011
Should You Start a Business with Your Spouse?
Should You Start a Business with Your Spouse?
It can seem like a dream come true: Starting a business with the most important person in your life. However, it might not be the best option in all cases. While working with your spouse can be interesting, and even beneficial, some couples may not respond well, long-term, to being in business together. Here are some questions to ask yourself before you decide to start a money making business with your spouse:
Kind regards,
Commerce Financial Inc.
Website info: http://www.commercefinancialinc.com
Mission Statement Mission Video:http://www.youtube.com/watch?v=mHbya31pqsc
Refer A Friend And Earn A Gift: http://www.referralkey.com/commercefinancialinc
Follow Us On Facebook:http://www.facebook.com/pages/Commerce-Financial-Inc/144591508944667
It can seem like a dream come true: Starting a business with the most important person in your life. However, it might not be the best option in all cases. While working with your spouse can be interesting, and even beneficial, some couples may not respond well, long-term, to being in business together. Here are some questions to ask yourself before you decide to start a money making business with your spouse:
Kind regards,
Commerce Financial Inc.
Website info: http://www.commercefinancialinc.com
Mission Statement Mission Video:http://www.youtube.com/watch?v=mHbya31pqsc
Refer A Friend And Earn A Gift: http://www.referralkey.com/commercefinancialinc
Follow Us On Facebook:http://www.facebook.com/pages/Commerce-Financial-Inc/144591508944667
Saturday, June 18, 2011
Commercial Finance
Commercial finance typical revolves around what are considered the assets of your business and are often called “asset based loans”. The assets of your business are things such as your outstanding account receivables, open purchase orders, inventory, import/export contracts, large equipment, reoccurring credit card billings and other hard assets such as bonds or certificates of deposits, etc.
Commercial financing types are loans like invoice factoring, purchase order advances, credit card receipt advances, secured working capital credit lines, inventory flooring financing, franchise financing, and import/export letters of credit.
To get approved for commercial financing it is typically much more about your assets than it is about you or your business. For example, a commercial finance lender will look much harder at the credit worthiness of your client for that invoice receivable than they will at you. For that purchase order you want to finance, a commercial finance loan will require that the company issuing the purchase order has good credit.
If a commercial finance lender is going to approve your business for a secured line of credit they will want to know that the asset’s liquidation value is enough to pay back the loan. So if they have to sell your crane or backhoe, they want to be sure they can get paid back.
A great way to get a dollar for dollar secured business loan is to secure it with a certificate of deposit or CD. With this method you can borrow money from friends or family, or even use your own savings to secure a business loan that then makes your business much more real to other lenders because they see the credit line on your business credit reports, but they don’t see that it is secured.
Visit our website at http://www.commercefinancialinc.com
Tuesday, June 14, 2011
Can pensions be used for business financing?
Anthony Carty, director of Clifton Asset Management, said:
“In today’s uncertain market attracting funding during the early stages of development can be a real challenge for start-ups and small businesses. With banks closing their doors to firms unless they have the relevant collateral or materials to secure against any investment, business owners need to look at different ways to access finance.
“One alternative source of finance for the business owner who has accumulated a pension over their working life is pension-led funding. A pension fund can be an extremely valuable asset when invested properly and can be used to help a business grow while providing contractually protected and attractive investment returns to the pension scheme.
“This can be done in two ways; by making a simple secured loan to the business, or by buying an asset in the form of Intellectual Property, a Trademark or Copyright for instance. This asset can then be leased back to the company, providing an income stream for the pension going forward.
“Whilst it is vital for the business owner to be aware of the risks associated with this type of funding there are benefits from being able to invest in a business under your own terms.
“Perhaps most importantly it gives the business owner the flexibility to reduce their reliance on traditional lending providers such as banks and as funding from such sources continues to dry up this can only be a good thing”
Kind regards,
Marlo Barge
http://www.commercefinancialinc.com
“In today’s uncertain market attracting funding during the early stages of development can be a real challenge for start-ups and small businesses. With banks closing their doors to firms unless they have the relevant collateral or materials to secure against any investment, business owners need to look at different ways to access finance.
“One alternative source of finance for the business owner who has accumulated a pension over their working life is pension-led funding. A pension fund can be an extremely valuable asset when invested properly and can be used to help a business grow while providing contractually protected and attractive investment returns to the pension scheme.
“This can be done in two ways; by making a simple secured loan to the business, or by buying an asset in the form of Intellectual Property, a Trademark or Copyright for instance. This asset can then be leased back to the company, providing an income stream for the pension going forward.
“Whilst it is vital for the business owner to be aware of the risks associated with this type of funding there are benefits from being able to invest in a business under your own terms.
“Perhaps most importantly it gives the business owner the flexibility to reduce their reliance on traditional lending providers such as banks and as funding from such sources continues to dry up this can only be a good thing”
Kind regards,
Marlo Barge
http://www.commercefinancialinc.com
Friday, June 10, 2011
How to Create a Health Benefit Plan for Your Business
How to Create a Health Benefit Plan for Your Business
Running a business is tough. It seems like there’s no end to the problems that pop up. You’re constantly being called upon to make decisions, and sometimes it’s hard to find and keep good employees. When you do, it’s important that you make sure they’re satisfied. please visit our website for information about financing your business, http://www.commercefinancialinc.com
Running a business is tough. It seems like there’s no end to the problems that pop up. You’re constantly being called upon to make decisions, and sometimes it’s hard to find and keep good employees. When you do, it’s important that you make sure they’re satisfied. please visit our website for information about financing your business, http://www.commercefinancialinc.com
What Makes A Small Business More Likely To Succeed
What Makes A Small Business More Likely To Succeed
Whenever I was down about the business, my wife was upbeat, patient and encouraging. Likewise, whenever she was feeling negative, I was there to cheer her up. What’s funny is that we both got depressed about different aspects of the business. In general, I was discouraged whenever we had a bad day of sales. On the other hand, my wife became discouraged whenever we received a product return or a customer complaint. But overall, we kept each other going during the early stages of our business. Please visit our website whenever you need business financing, http://www.commercefinancialinc.com
Whenever I was down about the business, my wife was upbeat, patient and encouraging. Likewise, whenever she was feeling negative, I was there to cheer her up. What’s funny is that we both got depressed about different aspects of the business. In general, I was discouraged whenever we had a bad day of sales. On the other hand, my wife became discouraged whenever we received a product return or a customer complaint. But overall, we kept each other going during the early stages of our business. Please visit our website whenever you need business financing, http://www.commercefinancialinc.com
Wednesday, June 1, 2011
The Best Small Business Credit Cards
The Best Small Business Credit Cards
Having a line of credit handy is extremely important for a small business. Enter small business credit cards. Not only do they provide credit, you can also find benefits such as cash back, rewards, flexible payment terms, separate tracking for business expenses, and more. visit our website at http://www.commercefinancialinc.com
Having a line of credit handy is extremely important for a small business. Enter small business credit cards. Not only do they provide credit, you can also find benefits such as cash back, rewards, flexible payment terms, separate tracking for business expenses, and more. visit our website at http://www.commercefinancialinc.com
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