Business Finance Articles For Entrepreneurs & Small Business Owners

How Banks and Lenders Decide Whether to Finance a Small Business Loan

As the economy slowly regains a boost with signs of recovery analysts are seeing, the lending market has become a little more welcoming to small business owners. An increasing number of start-ups and small scale entrepreneurs are reportedly turning to banks, lenders and financing institutions to kick-start their business or get the enterprise all set [...]

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2 Practical Steps for Picking the Right Investors

Venture capitalists can be intimidating, especially for a person, a group of persons or an organization that is jumping in the business bandwagon for the very first time. Attracting venture capital is in itself a humungous task given the lengthy process associated with it, not to mention the stringent measures that VCs expect startups and [...]

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Small Businesses Are Finding It Easier To Get Bank Loans

Businesses have had enough of the credit crunch, a global economic issue that, to say the least, tormented not only consumers but also entrepreneurs who need loans for start-ups and business growth. The onslaught of the recession was marked by restrictions on loan availability and generally limited loan resources, heightened difficulty in meeting requirements, tensed [...]

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5 Reasons Venture Capital Is Bad For Start-Up Businesses

Getting venture capital used to be the focal point of an easy way out of investment woes, while ensuring fast business growth. For the longest time, aspiring start-up owners have been wired to believe it’s all about convincing investors of their venture’s massive potential for success through rock-solid business plans based on proven business processes [...]

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Your First Business Loan – 7 Important Things To Know

Budding entrepreneurs need more than just inspiration, drive or hard work to make it in their very first business. Money plays a vital role! In this regard, knowledge on getting a business loan is everything, especially if you’re in on this route for the first time. Once you think you’re all set, it’s easy to [...]

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Why Credit Cards are Important to Small Businesses

Tom Gazaway in his Small Business Trends article could not over-emphasize how important credit card borrowing is for small business owners.  Credit card borrowing is the foremost source of financing for them.  The National Federation of Independent Business reports that 79% of small business owners use credit cards to run their businesses.  Gazaway says credit [...]

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Want To Grow Your Business? Loans Versus Investments

If you’re looking to grow your business, you have a few different options that you can consider. Getting financing is going to be critical to your ability to spread your wings and gain more of the business share, but doing so is not always as straightforward as it may seem. What is the best way [...]

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Raising Capital For Your Business In 2013

Times are very hard now, the days where credit was easily available for businesses have since been replaced by bank managers being resigned to the fact that there is simply not enough money to go around. On the other hand funds are extremely crucial for businesses as growth from revenue is extremely hard to cement [...]

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Understanding The Small Business Loan Market

Amy Kassar of MultiFunding shares some tips to would-be loan borrowers in The New York Times.  There are various types of loans and each has particular criteria unique to its own.  These propositions dictate how much you can borrow and how you will pay the loan.  Kassar advices entrepreneurs to check the loan market to [...]

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SBA Business Loans – Is 90% Business Financing Possible?

The International Franchise Association relates the experience of Marla and Jason Brunk with the SBA 504 Program.  The Brunks saw in the Goddard School a business they want to operate.  With Marla’s retirement funds, they were able to purchase a franchise and launched their first Goddard School in 2006. An opportunity to own the building [...]

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Fundraising Tips for Entrepreneurs

YoungEntrepreneur.com featured an article by Irving Fain on lessons he learned on raising funds for his start-up, CrowdTwist.  Fain says you have to develop a relationship with people you want to work with.  Begin building relationships well before you ask them to join you in your business venture.  Raise funds only when you are ready.  [...]

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SBA Refinance Program to Expire September 27

The Small Business Jobs Act will expire on September 27.  This means that you only have a few weeks to refinance your business premises at below-market, long term fixed rates.  Courtney Rubin at OpenForum.com enumerates the requirements to qualify for the program.  One of which is that you have to occupy more than half of [...]

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Has Small Business Lending Increased?

Is small business lending by big banks increasing or getting more difficult?  CrainsNewYork.com presents differing views from business experts.  Rohit Arora, Biz2Credit’s CEO, says lending has become sluggish.  He cites a survey of Biz2Credit small business customers showing a drop in lending by big banks.  Biz2Credit is a company that matches small businesses with lenders.  [...]

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We Like to Make Loans, says Bank of America

Barry Moltz in American Express Open Forum talked to Robb Hilson, Small Business executive with Bank of America, on the current state and relationship of big banks and small businesses.  The Small Business Owners Report, a survey conducted by Bank of America, revealed the optimistic outlook of business owners next year.  The bank’s lending to [...]

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How To Get Business Financing From The SBA

The U.S. Small Business Administration has various loan programs that provide business financing for small businesses.  It particularly caters to new and existing small businesses that are unable to secure business loans from lending institutions on their own.  In the mid-90s, loan guarantees amounted to about $10 billion.  By the 2000s, this has grown to [...]

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Growth Of Franchise Businesses – Franchise Lending Is Up Compared To Last Year

Franchise lending is up about 6% from May 2011 to May 2012.  QSRWeb.com gathered this information from the monthly Franchise Lending Index of the International Franchise Association (IFA) and BoeFly.  BoeFly is an online marketplace accessed by lenders to find franchise borrowers.  Its data is collected from over 2,200 lenders in the country.  Some of [...]

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2012 Worst Franchises to Buy According to SBA

The Small Business Administration gave data to BlueMaumau.org on franchises that continuously failed to meet their loan payments.  This is the same list given by the SBA to its affiliated lenders throughout U.S.  Topping the list are ice cream shops and quick service restaurants.  They lead the lowest performers among major franchise brands in terms [...]

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Where to Get Business Grants

If you need funds to start or develop a small business, do not look far.  This Bangor Daily News (Maine) article present some tips on where to look for business grants.  You have to be patient and persistent.  Look for these in industry publications and the local paper.  There are development agencies that offer grants [...]

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Why Small Business Lending Is a Mess

After Ami Kassar was fired from his bankrupt company, Advanta, he founded MultiFunding.  MultiFunding helps small businesses get the best loans with the most favorable terms for their situations.  In his first post that appeared in The New York Times, he calls our attention to one of the factors why small business lending is a [...]

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Small Business Loans – Credit Unions vs. Banks in Congress

There is a pending legislative bill that will raise the lending cap of credit unions from the current mandated 12.25% of their total asset size to about 27%.  If approved, this will substantially benefit small business owners and improve the economy says Brian Martin of the Progressive Policy Institute.  Sen. Mark Udall, sponsor of the [...]

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