Financing Articles

Business » Financing | By Michael Laleye @ Sunday, 20th April 2008 @ 4:58 PM

The report card for any business is its profit and loss statement and in order for the business to succeed, profit is determined by two categories, income and expenses. As all business owners know it is easier to adjust expenses than it is to increase income but for profits to show a significant rise, income should go up while expenses go down. Some businesses make the mistake when they are reducing their expenses of eliminating costs in some of the wrong areas. Typically, one of the bigg... more...

Business » Financing | By Anna Woodward @ Saturday, 5th April 2008 @ 9:06 PM

As a real estate investor, I am sure that you are well aware of the fluctuations in the rental market. However, what you may not be aware of is that there are some very simple things you can do to improve your rental properties. By taking these simple steps you can increase rental rates and demand for your property. Renters often have a variety of options of where to live, and by offering them a more attractive property option you can fetch the highest rental rate supported by high demand... more...

Business » Financing | By Dave Kauppi @ Wednesday, 2nd April 2008 @ 2:37 PM

We get to witness buyer behavior first hand in our software investment banking practice. The most important behavior is their economic vote - how much they are willing to pay for an information technology business. Many factors go into their assessment of value, but a contractually recurring revenue stream is consistently the number one value driver. Why is this so important? The first answer is risk. Buying a business is risky. Any factor that reduces this risk is rewarded with transact... more...

Business » Financing | By Eric Corl @ Thursday, 27th March 2008 @ 10:50 PM

Raising money for your invention is an important step, and one that should not be taken lightly. Accepting money from outsiders often comes with strings attached. Therefore, it is important to A) Decide the absolute lowest amount of money you can work with, and B) take not a penny more. That said, there are several potential funding sources that are worth discussing. We will begin with the most glamorized (and also least understood) source: venture capital. A venture capit... more...

Business » Financing | By Thomas Pretty @ Saturday, 22nd March 2008 @ 5:23 PM

Most businessmen will profess the advantages of possessing a business account. The reason for this is mainly because a business account makes a brilliant financial tool, perfect for those wishing to run a small business. There are so many banks out there offering differing types of business account that the choice can be laborious. It is important to get the choice right although with so much market competition many of the account on offer are similar, if not the same. For the sake of yo... more...

Business » Financing | By Scott Letourneau @ Friday, 29th February 2008 @ 8:07 AM

When you look into getting items and services for your business, the goal is to minimize your personal guarantee and avoid touching your personal credit. A personal guarantee makes you and your partners liable if the loan ever defaults. In bad cases, your personal assets could be sold off to pay for a loan. You don't want to do that. Let's look into Trade Credit and Business Financing as options for your business. Business credit is usually credit between two businesses. ... more...

Business » Financing | By Willie DeJarnette @ Tuesday, 26th February 2008 @ 5:57 PM

Bank of America is one of the world's largest financial institutions, serving individual consumers, small and middle market businesses and large corporations with a full range of banking, online banking, investing, asset management and other financial and risk-management products and services. They are a joint of the Global ATM Alliance, a attachment venture of several major international banks that allows customers of the banks to use their ATM card or check card at another bank within t... more...

Business » Financing | By Terry Fitzroy @ Tuesday, 26th February 2008 @ 5:27 PM

Have you ever heard of private equity? A quick search at Wikipedia will catch you up to date on the subject, but this article should suffice as a general overview, as well as a guide to whether or not you should invest in such private equity groups in the state of Idaho. Private equity groups, or investment firms, are companies that provide venture capital to businesses in need of a big loan to get their business under way. They will also invest in companies with a long history that needs some m... more...

Business » Financing | By Court Tuttle @ Monday, 25th February 2008 @ 10:45 PM

If you were having problems with your personal finances you would sit down and figure what you have coming in, what bills you owe, what you can go without in every way and what you must have in order to basically survive. This is what you have to be able to do while your business is going through a rough period. The economy has been in a depression or recession, depending on whom you ask for many months. The questions are whether the recovery will come soon enough? From the larges... more...

Business » Financing | By Terry Fitzroy @ Sunday, 10th February 2008 @ 6:28 PM

It would be a good decision for you to look into business credit cards if you work in a small business, or are a small business owner. There are many advantages to using a small business credit card, as apposed to only using your own personal credit card all of the time. This article will attempt to shed some light on the reasons you should consider applying for a small business credit card, and the advantages there are to using one. Take everything here into consideration before you start makin... more...

Business » Financing | By john mce @ Saturday, 2nd February 2008 @ 9:33 PM

Q. Despite a significant increase in our sales, our bank is refusing to increase our overdraft facility and have suggested that I consider factoring. Please could you let me know whether I should be concerned about what my customers will think? A. In the UK nowadays, over 40,000 businesses use invoice finance. This sector is currently growing by double digits year on year. Invoice finance is a cost effective and well established alternative to overdrafts and traditional bank funding. Some... more...

Business » Financing | By john mce @ Thursday, 24th January 2008 @ 10:09 PM

Q. I run a recruitment company and struggle to pay temporary staff when I haven't yet received the money in from the client. My overdraft facility is not easily increased when I need the cash. Is there anything I can do to assist with this? A. This is a common problem for many businesses, not just those in the recruitment sector. Whilst there is no problem with the business, quite the contrary in fact,poor cashflow is halting growth. An increasingly popular solution for this type of ... more...

Business » Financing | By john mce @ Wednesday, 16th January 2008 @ 10:55 AM

As with all ills, prevention is better than cure as they say, and commercial fraud is no exception. Like most crimes though, commercial fraud is viewed as something that happens to someone else. Unfortunately, the reality is it is often far closer to home than most people realise and, while ignorance may be bliss, it is also a sure fire way to leave your company wide open to abuse. Fortunately, there are plenty of telltale signs to look out for that should help to trigger thos... more...

Business » Financing | By Court Tuttle @ Friday, 11th January 2008 @ 5:04 PM

In today's financial industry there exists a term that several investors may not have heard about, but are still very familiar with the process. This particular term is labeled as delivery against acceptance, or can in many instances be labeled as delivery versus payment. No matter how you call it, both financial terms have the exact same meaning. When a person or business makes purchases on certain assets or supplies, they only make the necessary payments once they have received what th... more...

Business » Financing | By Terry Cartwright @ Friday, 11th January 2008 @ 2:18 AM

Producing a cash flow is not difficult providing the business already has reasonable bookkeeping or accounting records. Manual accounts are fine although accounting software is likely to produce the best information base from which a cash flow forecast can be prepared. There is not one specific format that a cash flow forecast can take. Each business may require varying degrees of accounting information and accounting cash flow templates can be anything from a detailed list of all cash in... more...

Business » Financing | By Shaun Parker @ Tuesday, 8th January 2008 @ 10:29 PM

Car Leasing is a great way to run a vehicle. Whether you want to run one through a business or personally as a private individual it is worth considering. It's a simple no hassle way of doing things, you simply put a small deposit down and lease the vehicle over a period ranging from 12 - 60 months and when the lease comes to an end you just simply hand the vehicle back and start a fresh! That is providing the car is in a 'fair wear and tear' condition and you haven't exceed... more...

Business » Financing | By Terry Cartwright @ Tuesday, 8th January 2008 @ 5:40 PM

There is a fundamental difference between cash flow and net profit. Net profit is the bottom line of the profit and loss account measuring the net growth in financial value. Cash is the business liquidity and closely related to the changes in the value of the current business assets in the balance sheet representing the amount of money the business has at its disposal to generate further business. Stock control management The objective is to reduce the level of stock which uses wor... more...

Business » Financing | By john mce @ Monday, 7th January 2008 @ 9:58 PM

There are many questions that regularly come up when businesses are looking to raise extra capital for expanding their businesses or manage day to day cashflow. This article looks at three commonly faced issues and provides the best possible solution. Q. My company imports garden furniture from China and India and I distribute to the UK retail and wholesale markets. I ship goods to order, have a highly seasonal business and am now approaching my busy period. I fund my business with an ... more...

Business » Financing | By derek smiley @ Wednesday, 26th December 2007 @ 4:31 PM

A small business merchant account is essentially a merchant account designed for the smaller business or individual trading online. Traditionally, it can be difficult for small businesses with limited trading history to get a merchant account. This is really a door opener for bigger and better merchant account facilities. Once you have a good record, the benefits can be really stunning. The advantages of a small business merchant account is that it will enables you and your business to ac... more...

Business » Financing | By Brett Nordin @ Monday, 24th December 2007 @ 8:40 PM

Real Estate investors are flooding back to the market, buying residential pre-foreclosures at a 20-30% discount. Single family homes are the focus of most investor portfolios and residential properties seem to get all the media attention. Naturally, investors feel more comfortable buying what they know and avoid seemingly different or more complicated products. Fortunately for savvy investors, apartment buildings don't get the press they deserve and common misconceptions scare main-stream i... more...