How to Get Financing For Your Small Business

In today’s hostile economic environment, access to capital is the primary differentiating factor between those businesses which have been able to expand and gain market share versus those that have experienced enormous drops in revenue. The reason many small businesses have seen their sales and cash flow drop dramatically, many to the point of closing their doors, while many large U.S. corporations have managed to increase sales, open new retail operations, and grow earnings per share is that a small business almost always relies exclusively on traditional commercial bank financing, such as SBA loans and unsecured lines of credit, while large publicly traded corporations have access to the public markets, such as the stock market or bond market, for access to capital.

Prior to the onset of the financial crises of 2008 and the ensuing Great Recession, many of the largest U.S. commercial banks were engaging in an easy money policy and openly lending to small businesses, whose owners had good credit scores and some industry experience. Many of these business loans consisted of unsecured commercial lines of credit and installment loans that required no collateral. These loans were almost always exclusively backed by a personal guaranty from the business owner. This is why good personal credit was all that was required to virtually guarantee a business loan approval.

During this period, thousands of small business owners used these business loans and lines of credit to access the capital they needed to fund working capital needs that included payroll expenses, equipment purchases, maintenance, repairs, marketing, tax obligations, and expansion opportunities. Easy access to these capital resources allowed many small businesses to flourish and to manage cash flow needs as they arose. Yet, many business owners grew overly optimistic and many made aggressive growth forecasts and took on increasingly risky bets.

As a result, many ambitious business owners began to expand their business operations and borrowed heavily from small business loans and lines of credit, with the anticipation of being able to pay back these heavy debt loads through future growth and increased profits. As long as banks maintained this ‘easy money’ policy, asset values continued to rise, consumers continued to spend, and business owners continued to expand through the use of increased leverage. But, eventually, this party, would come to an abrupt ending.

When the financial crisis of 2008 began with the sudden collapse of Lehman Brothers, one of the oldest and most renowned banking institutions on Wall Street, a financial panic and contagion spread throughout the credit markets. The ensuing freeze of the credit markets caused the gears of the U.S. financial system to come to a grinding halt. Banks stopped lending overnight and the sudden lack of easy money which had caused asset values, especially home prices, to increase in recent years, now cause those very same asset values to plummet. As asset values imploded, commercial bank balance sheets deteriorated and stock prices collapsed. The days of easy money had ended. The party was 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.

5 Essential Home Based Business Strategies For The Work At Home Business Owner

Let us all admit that whenever you work at home it does not take long for things to become chaotic. This is because having a company as well as a home lifestyle does not gel together. However, if it is always your wish to own your work at home business; here are five home based business strategies you can apply in order to get the success you are looking for.1. Organize Yourself and BusinessThe two main aspects your home based business must have are your work area, as well as your time. When there isn’t any method or organization in your company as well as your home living, it is possible for you to be completely stressed out 24 hours a day. You will not have a clear start or finishing time, plus your place of work will become a mess the whole day. Try to organize essential records in document folders, and put them in a filing cupboard. Additionally, when you are filing, cautiously carry out labeling for customers tax details, finances, building contractors, providers, and so on. Keep things to do list on your own desk throughout the day, and tick them as soon as the task is completed.Even when your customers know that you work at home; there needs to be fix working hours when you can be reached. One example is, if someone is generating an income on the internet they should remember to supply a get in touch with form so that people can contact them on a twenty-four seven (24/7) service, By doing this they will set up their online business boundaries so that they won’t be getting phone calls through the entire evening hours. An additional way to make sure that company message or calls remain inside the appropriate perimeters is to arrange an independent business telephone line that has an answering machine. This allows you to keep track of messages or calls that occur after working hours without you getting trapped in using the telephone 24 hours a day.2. Telephone AppointmentsTry to keep your appointments regardless of whether it is face-to-face or via the telephone. Collect all relevant details about your customer prior to making the phone call. You see, the consumers will know if you are rushing about for documents or someplace apart from your working environment. Choose a peaceful location for your business phone calls so that your calls are free from background disturbances such as children crying, and so on. In most cases your customers will have an understanding of when they hear your children talking (at the back) a couple of times, however, if this takes place frequently some customers may doubt your professionalism and trust.3. Develop a Professional PictureUse items such as letterheads, pamphlets, business cards, custom-made labelling, and so forth to create a professional picture of your work at home enterprise. Items that are printed using your company logo will enable consumers, and colleagues to realize that you are seriously interested in helping them. Should you have an internet site, make sure that you add the address of your website to your letterhead and envelopes. Use pamphlets to generate more income by publishing a diverse pamphlet for every service or product range offered. Remember e-mail advertising, and post cards to past clients. These things are not only inexpensive, but they are very effective if you want to send birthday celebrations, special deals, promotions, vacations, recommendations, and so forth to your customers.4. Send Out Express Thanks Cards to Customers Cards written by hand to say thank you continues to be valuable in developing devotion and confidence with consumers. These small express thanks cards can do a lot, but they must not be utilized to market your up coming deals. Just compose a basic note saying thanks for his or her business; write the envelope with your own writing (not typed), and post it two or three days following a purchase of your product. You will be amazed at just how much this simple action can boost your consumers trust in you.5. Maintain Accurate Documents Keep a documentation of everything that happens in the business; such as things that takes place from day-to-day, or once a week objectives, to company accounts due, and company accounts receivable information. Even if you are not hectic, you must maintain accurate documents every day to guarantee organization once your company increases. In case you have numerous employees, it is better to employ a pay-roll accountant to maintain personnel pay out, and income taxes. An accountant also can help with general business financial situation, and taxation all through the year as your home based business develops.Since you learn to generate money with a home based business, understand that working at home isn’t a lot diverse from other companies. With the right organization, and marketing your home based work at home business is likely to develop, and become successful.

Unsolicited Paper Advertisements Should Be Illegal For All But Small Businesses and Non-Profits

Don’t you get tired of seeing large businesses advertising on every medium? From billboards and radio to YouTube and television, large businesses (the businesses that make millions of dollars a year, even though by some accounts these businesses are still considered “small”) have the cash flow and subsequent budget required to fund these advertisements, which gives them a huge marketing advantage over small businesses. Since government officials are always so fond of saying small businesses are the drivers of job creation and growth in this country, it would follow that any advantage these businesses can muster would be helpful for America. As such, I believe legislation which would make it illegal for large businesses to send unsolicited paper advertisements to private residents would be beneficial for a multitude of reasons. Large business advertisements already flood the airwaves and reach millions of people, so here’s why I think paper advertisements from said businesses should never be allowed to reach my mailbox or driveway.The most obvious reason in favor of this approach would be the newfound marketing niche over which small businesses would enjoy a monopoly. Oftentimes, the budget of small/microbusinesses is so minuscule that business cards and flyers are the only way they can reach the consciousness of consumers. This being said, a second advantage of this approach becomes obvious. That is, if small business advertisements were the only game in town, or in this case, a citizen’s mailbox, they would garner more attention then they would when mixed in with dozens of other flyers and advertisements from larger businesses, the dilution effect of which would make the small business ad just another piece of paper in a sea of advertisements. Keeping this in mind, a third advantage of this approach would be correlated to the sheer volume of paper produced. Fewer paper advertisements would mean fewer trees destroyed and less waste, plain and simple! In addition, fewer paper advertisements would mean people like you and I would need to spend less time disposing of them. For example, many unsolicited paper advertisements I receive from large companies have my name and address emblazoned on the envelope and on documents inside, which for me means I have to shred them. All of this takes time, and since I never wanted these advertisements in the first place, I almost feel like I should be getting paid to receive them! After all, practically anywhere that you want to advertise in America requires you to pay for the use of that advertising space, so why should my mailbox be any different? However, as someone who cares about jobs for Americans, I would have no qualms about allowing small businesses to send me paper advertisements.The almighty dollar drives this country, and as such it is nigh impossible to avoid advertisements in America. However, I don’t want to receive advertisements at my home unless I say so, since I own my home, not the mega corporation. Look, I am not against capitalism, as capitalism fuels job creation and American competitiveness in the global economy. However, when my wife and I take a walk and see planes flying above us carrying streaming banners for huge insurance companies, it is not hard for us to see small businesses need to be given niches that the large businesses cannot access. If my wife and I can see this point of view, then in my opinion, astute legislators who care about America and its small businesses should not only see this point of view, but they should act on it. Disallowing paper advertisements from any for-profit business except a small business would be one such action.


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