Financing Articles

Business » Financing | By Nicole Spiezio @ Wednesday, 12th July 2006 @ 7:58 PM

The climbing cost of healthcare has been among the top issues in this year's elections, and it should be on your list of concerns too, because within the healthcare industry lies an immensely untapped potential for financing that is in dire need of your cash flow expertise. Allow me to explain the situation and then show you where you fit into the healthcare financial equation. According to the Agency for Healthcare Research and Quality's Web site, the United States spends a la... more...

Business » Financing | By David Mclauchlan @ Saturday, 24th June 2006 @ 1:25 PM

What is Bankruptcy is a legally declared inability or impairment of ability of an individual or organization to pay their creditors. A declared state of bankruptcy can be requested or initiated by the bankrupt individual or organization, or it can be requested by creditors in an effort to recoup a portion of what they are owed. However, in the overwhelming majority of cases, the bankruptcy is initiated by the "bankrupt" individual or organization. Bankruptcies rose by 30% in the ... more...

Business » Financing | By Dan Sherman @ Wednesday, 14th June 2006 @ 11:49 AM

Have you ever got confused with the number of credit cards that are on offer in the market place? Have you ever wondered that how many types of credit cards will be on offer if one was sane enough to start counting them? All these credit cards claim to offer you the best possible deal. Since no two people are alike, not all programs and incentives will work the same for everyone. Finding the one that works best for you is key to maintaining responsible credit card use. Types of Cr... more...

Business » Financing | By Andrew James @ Sunday, 28th May 2006 @ 7:00 AM

You are starting or expanding your business - great! But you are looking at many more demands on your finances: office equipment, tools, furniture, computers and peripherals, vehicles, etc. Deciding whether to buy or lease what you need might seem overwhelming. Leasing is tempting to many, as it requires less cash up front. Having enough cash is essential for survival when beginning or expanding your business, as you will also need to invest in many intangibles such as marketing, licensi... more...

Business » Financing | By David Gass @ Saturday, 27th May 2006 @ 11:17 PM

A personal guarantee is when an individual agrees to be held responsible for assuming the debts of another person or business in the case of the borrower failing to pay back monies borrowed or defaulting on a loan or mortgage. This provides back up protection to the bank or other lending institution and gives them another avenue to pursue if the original borrower fails to live up to their obligations. Many personal and business lenders ask for a personal guarantee when it is the initial a... more...

Business » Financing | By Barbara Gabogrecan @ Thursday, 25th May 2006 @ 4:24 PM

Many people want to commence their own business, but hesitate because of the difficulty of funding such a venture. It is great if you have an inheritance or a ‘pay out’ from work or superannuation – but even then people worry that they may lose their savings if their business idea does not work. The first thing you have to recognise if you want to run a business, is that there is a degree of risk attached to all business ventures and you have to be prepared to take some risk. ‘Risk adver... more...

Business » Financing | By David Gass @ Monday, 22nd May 2006 @ 3:23 PM

A business line of credit is one of the most popular forms of business loans. For the business owner or operator, particularly for small businesses, a business line of credit can be a lifeline of financing that can allow them to pay their bills, meet their payroll and continue to operate even when times are tough or business is slower than usual. For banks and lending institutions it allows them to hold the business on a short credit lease while they determine their viability in the marketplace.... more...

Business » Financing | By Tony Jacowski @ Sunday, 7th May 2006 @ 1:03 AM

If there were only two reasons for a business to fail they would be poor financing and poor management or planning. You can’t over-emphasize the importance of financing your business. Financing the business is not a one time activity as some might think. It is necessary whenever the need arises such as when expanding, modernizing etc. At this stage you need to understand the importance of exercising extreme caution and plan the utilization of capital. A wrong decision here can haunt your for th... more...

Business » Financing | By Joel Arberman @ Sunday, 30th April 2006 @ 6:21 PM

Perhaps the most visible and familiar element of the initial public offering process is the underwriter. The underwriter is the organization that is actually responsible for pricing, selling, and organizing the issue, and it may or may not provide additional services. With direct public offerings, there is no need for an underwriter. Selection of a good underwriter is of the utmost importance, but it’s important to understand that many underwriters are equally selective of their cl... more...

Business » Financing | By Joel Arberman @ Sunday, 30th April 2006 @ 6:04 PM

While stock exchanges provide a number of services and functions within the financial world, their basic purpose can be summed up in two words: monitoring and marketplace. As a corporation looking to raise funds by going public, access to that marketplace is of the utmost importance. Many individuals and companies seeking funding have a tendency to think of their issue in very self-centered terms. Some believe that once funding is obtained, the goal is accomplished and the importan... more...

Business » Financing | By M Whitehead @ Thursday, 20th April 2006 @ 6:09 AM

One of the aspects of family life that people rarely enjoy dealing with is to set a family budget. It can be an arduous task filled with disagreement. One family member might see entertainment as a fundamental part of the budget, while another views it as a luxury that isn’t needed. Finding a common middle ground and sticking to it will guarantee financial success. A budget is essentially a summary of lists of intended expenses and expected incomes. The aim is to strike a balance betwee... more...

Business » Financing | By Brian Hunter @ Monday, 17th April 2006 @ 5:55 PM

Anyone contemplating entering the field of stock market investment should certainly be aware of the fact that there is the very real possibility of losing money in your dealings. Obviously, most enter this challenging arena with the intent to make profits and this, too, is quite possible. However, as with most things in life, ignorance can be dangerous so it is advisable to ensure that you have covered the groundwork necessary for success. The following tips are generally accepted practic... more...

Business » Financing | By Lanard Perry @ Thursday, 30th March 2006 @ 4:17 PM

Many real estate agents spend a lot of time and money marketing new prospects, while completely overlooking the best ones they have; old ones. We all realize the importance of acquiring new clients, but how many of us truly grasp the importance of not only retaining old ones, but actually expanding on those relationships? The cost of acquiring new customers is escalating, no matter the industry; real estate, mortgage financing, land development, etc. On the other hand, marketing to past... more...

Business » Financing | By Dave Kauppi @ Monday, 13th February 2006 @ 4:15 PM

Our Investment Banking firm is receiving an unusually high number of inquiries from minority interest shareholders looking for help. Often times they have just been terminated and concurrently receive a Letter of Intent to purchase their minority shareholder stock. When they look at these offers, they are hit with their second punch in the gut. The offers are often woefully short of what the terminated shareholder expected. However, when they start to investigate, the harsh reality of t... more...

Business » Financing | By Sandra Stammberger @ Thursday, 9th February 2006 @ 8:06 AM

A business credit report is essential for anyone who is actively engaged in business. Your business credit report, if you own or manage a business, is a tool that you can use to acquire loans for working capital, expansion, advertising and marketing expenses, or meeting payroll. If you own or manage a business you know how important positive cash flow can be, and your business credit report can affect your ability to borrow money when it is needed. As an example, let’s say you run a manu... more...

Business » Financing | By Lee Dobbins @

So, you have a great idea for a business but no money to start it with? Getting funding for your business can seem impossible, but if you really do have a good idea and a solid business plan you may be able to find more people willing to invest in your idea than you think. One thing you must be willing to outline in detail is how you intend to service the debt as well as how the potential investor will benefit from your request. In addition, be prepared to do your home work and have thor... more...

Business » Financing | By Tamara Williams @

Overwhelmed at the large number and variety of credit cards available today? The following is a summary of the cards out there. Credit Card A Credit Card enables you to purchase anything up to a certain set limit that that particular card holds before you are required to pay for it. This type of card is similar to a loan, were you are required to pay a minimum monthly amount. This is the "Buy Now Pay Later" concept. Debit Card With This card you can buy good wit... more...

Business » Financing | By Maria Marsala @

Know what an IPO is? An initial public offering (IPO) is basically a company's first sale of stock to the public, which is why it's also called "going public." Usually - but not always, an IPO involves the stock from a young and not-too-well-known company. The most compelling reason to go public is to raise cash for operating capital. But there are strings attached… After the demise of the dotcoms, the scandals of Enron, WorldCom, Tyco, and Global Crossing, the landscape... more...

Business » Financing | By Norio De Sousa @

Starting a business without any capital is a daunting task. How do you pay your staff? Where do you find money for stock? What can you do to improve cashflow? These are just some of the questions you'll face. Read on for a few ideas that helped me in my first year. Insist on Deposits (To Cover your Expenses) Deposits are a great way to finance your company without every approaching a bank or a venture capitalist. Especially in the service industry, it's very useful... more...