Friday, January 06, 2006

How to Finance a Small Business

John Mussi

Confused by how to finance a small business? One key to a successful business start-up and expansion is your ability to obtain and secure appropriate financing.

Raising capital is the most basic of all business activities. But as many new entrepreneurs quickly discover, raising capital may not be easy; in fact, it can be a complex and frustrating process. However, if you are informed and have planned effectively, raising money for your business will not be a painful experience.

This guide focuses on ways a small business can raise money.

There are several sources to consider when looking for financing. It is important to explore all of your options before making a decision.

Personal savings: The primary source of capital for most new businesses comes from savings and other forms of personal resources. While credit cards are often used to finance business needs, there may be better options available, even for very small loans.

Friends and relatives: Many entrepreneurs look to private sources such as friends and family when starting out in a business venture. Often, money is loaned interest free or at a low interest rate, which can be beneficial when getting started.

Banks: The most common source of funding, banks, will provide a loan if you can show that your business proposal is sound.

Venture capital firms: These firms help expanding companies grow in exchange for equity or partial ownership.

It is often said that small business people have a difficult time borrowing money. This is not necessarily true.

Banks make money by lending money. However, the inexperience of many small business owners in financial matters often prompts banks to deny loan requests.

Requesting a loan when you are not properly prepared sends a signal to your lender. That message is: "High Risk!"

To be successful in obtaining a loan, you must be prepared and organized. You must know exactly how much money you need, why you need it, and how you will pay it back. You must be able to convince your lender that you are a good credit risk.

You may freely reprint this article provided the author's biography remains intact:

About the Author

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the www.directonlineloans.co.uk website.

Dobler Consulting Inc
2339 Warwick Dr
Oldsmar
FL 34677
United States



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Thursday, January 05, 2006

How to Finance a New Kitchen

John Mussi

Want to improve the look of your property? Want to add value to your property? Been dreaming of a brand new kitchen?

Are you planning an extension to your kitchen or a brand new kitchen, or are you undertaking the general up keep of your home but finding it hard to pay for? Are you wondering how to finance a new kitchen when you do not have readily available cash to pay for it?

Why not consider a Home Improvement Loan. Make the dream become reality with a UK Home Improvement Loan.

A Home improvement Loan could be the easiest and cheapest way to make improvements to your home.

A UK Home Improvement Loan is a low cost, low rate, cheap, low interest loan secured on your UK property. As the home owner, it frees you up to do whatever improvements you want on your property.

With a UK Home Improvement Loan you can borrow from £5,000 to £75,000 with low monthly repayments. The loan can be repaid over any term between 5 and 25 years, depending on your available income and the amount of equity in the property that is to provide the security for the loan. Home Improvement Loan rates are variable, depending on status. Your monthly repayments will depend on the amount borrowed and term.

A Home improvement loan can help you with:

A new kitchen

An extension or loft conversion

A new bathroom

A conservatory

Landscaping your garden

New furniture

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You may freely reprint this article provided the author's biography remains intact:

About The Author

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the www.directonlineloans.co.uk website.

Dobler Consulting Inc
2339 Warwick Dr
Oldsmar
FL 34677
United States



To stop further mailings or to change your details, click here.

Wednesday, January 04, 2006

How to Finance a New Extention

John Mussi

Want to improve the look of your property? Want to add value to your property? Looking to finance a new extension to your home, a new kitchen, would you like to have double glazing, a new conservatory, patio, or a new heating system, or are you undertaking the general up keep of your home but finding it hard to pay for?

Rather than waiting another year why not consider a Home Improvement Loan. Make the dream become reality with a Home Improvement Loan. A Home improvement Loan could be the easiest and cheapest way to make improvements to your home.

A UK Home Improvement Loan is a low cost, low rate, cheap, low interest loan secured on your UK property. As the home owner, it frees you up to do whatever improvements you want on your property.

With a UK Home Improvement Loan you can borrow from £5,000 to £75,000 with low monthly repayments. The loan can be repaid over any term between 5 and 25 years, depending on your available income and the amount of equity in the property that is to provide the security for the loan. Home Improvement Loans rates are variable, depending on status. Your monthly repayments will depend on the amount borrowed and term.

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You may freely reprint this article provided the author's biography remains intact:

About The Author

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the www.directonlineloans.co.uk website.

Dobler Consulting Inc
2339 Warwick Dr
Oldsmar
FL 34677
United States



To stop further mailings or to change your details, click here.

Tuesday, January 03, 2006

How To Finance A New Extension?

John Mussi


Want to improve the look of your property? Want to add value to your property?

The extension plans are ready but the finances are not.

Rather than waiting another year why not consider a Home Improvement Loan.

Make the dream become reality with a UK Home Improvement Loan.

Are you planning an extension to your home, a new kitchen, would you like to have double glazing, a new conservatory, patio, or a new heating system, or are you undertaking the general up keep of your home but finding it hard to pay for?

A Home improvement Loan could be the easiest and cheapest way to make improvements to your home.

A UK Home Improvement Loan is a low cost, low rate, cheap, low interest loan secured on your UK property. As the home owner, it frees you up to do whatever improvements you want on your property.

With a UK Home Improvement Loan you can borrow from £5,000 to £75,000 with low monthly repayments. The loan can be repaid over any term between 5 and 25 years, depending on your available income and the amount of equity in the property that is to provide the security for the loan. Home Improvement Loan rates are variable, depending on status. Your monthly repayments will depend on the amount borrowed and term.

A UK Home Improvement Loan can help you with:


  • An extension or loft conversion

  • A new kitchen

  • A new bathroom

  • A conservatory

  • Landscaping your garden

  • New furniture


You may freely reprint this information on your website provided the following caption remains intact.

"This information courtesy of http://www.directonlineloans.co.uk Click here to see full range of loans."


John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available online secured loan via the http://www.directonlineloans.co.uk website. To find a loan that best suits your needs visit http://www.directonlineloans.co.uk

Dobler Consulting Inc
2339 Warwick Dr
Oldsmar
FL 34677
United States



To stop further mailings or to change your details, click here.

Sunday, January 01, 2006

How to Finance a Business

John Mussi

How to finance a business is one of the main concerns that every new business person has to resolve. There are two main ways of financing a business, equity financing and debt financing.

The majority of start-up or small businesses use limited equity financing. As with debt financing, additional equity often comes from non-professional investors such as friends, relatives or colleagues.

However, the most common source of professional equity funding comes from venture capitalists. These are institutional risk takers and may be groups of wealthy individuals or major financial institutions. Most specialise in one or a few closely related industries.

Venture capitalists are often seen as deep-pocketed financial benefactors looking for start-ups in which to invest their money, but they most often prefer three-to-five-year old companies with the potential to become major regional or national concerns which will return higher-than-average profits. Venture capitalists may scrutinise thousands of potential investments each year but only invest in a few.

Different venture capitalists have different approaches to management of the business in which they invest. They generally prefer to influence a business passively, but will react when a business does not perform as expected and may insist on changes in management or strategy. Relinquishing some of the decision-making and some of the potential for profits are the main disadvantages of equity financing.

Banks are one of the most common sources of debt financing. There are many other sources for debt financing including: savings, loans and commercial finance companies. It is also possible to ask for funding from family members, friends or colleagues, especially when the capital requirement is small.

Traditionally, banks have been the major source of small business funding. Their principal role has been as a short-term lender offering demand loans, seasonal lines of credit, and single-purpose loans for machinery and equipment. Banks generally have been reluctant to offer long-term loans to small firms.

In addition to equity considerations, lenders commonly require the borrower's personal guarantees in case of default. This ensures that the borrower has a sufficient personal interest at stake to give paramount attention to the business. For most borrowers this is a necessary evil.

You may freely reprint this article provided the author's biography remains intact:

About the Author

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the www.directonlineloans.co.uk website.

Dobler Consulting Inc
2339 Warwick Dr
Oldsmar
FL 34677
United States



To stop further mailings or to change your details, click here.