A Potential Game Changer for Investors and Businesses: Securities Crowdfunding

Crowdfunding
Crowdfunding platforms such as gofundme and Kickstarter have made headway as vehicles allowing millions of people to realize their financial goals. Whether it’s paying for the surgery of a beloved pet, or raising capital to make the movie of your dreams, these instruments of fundraising have revolutionized the moneymaking process. It was only a matter of time before this type of platform was utilized for start-up businesses to connect with investors. But what is crowdfunding and who is it for? Here is a concise guide to help you understand this newest phenomenon.

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Disadvantages of Getting a Business Loan from Bank

Bank loan
For many business owners today, getting a loan is critical part of their business plan. Business loans are often seen as necessary evil, especially if you are just starting out or if you would like to make more investments in the company.

Even if you do have access to financial resources of your own, whether these come from a part of your existing income, from investors, or even from family or friends, you may still need to get a business loan in the future. But if you are thinking of acquiring a loan, especially from a bank, you need to keep in mind some pitfalls that come with it. Here is a lowdown on bank loan you should know before you fill up that loan application.

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Financing Solutions to Keep Your Small Business Afloat

Business Financing
The business world is tough, especially for start-ups and small to medium sized companies. It doesn’t take long to find yourself short on finances and your bank account on a slippery slope going from black to red. In some cases, all it takes is a late payment from a big customer that halts your cash flow, the loss of an important customer, or an unexpected bill you have to pay right away.

These problems don’t always have to mark the end of your business, but they often make it imperative to find a viable borrowing solution. There are many different options to choose from, and finding the right one for you can be daunting. It involves lot of research, and hours spent weighing the pros and cons and trying to balance your books.

If you’re struggling to know where to turn, here are a few options that you might want to consider:

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Tips for Choosing the Best Car Loan

Car Loan
Car loan is one of the biggest debt people will take after house mortgage. While some people can afford to buy a car with outright cash, majority of buyers need to borrow from banks or other lenders. There are many car loans in the market to choose from, and they’re offered by a number of different lenders, from banks to building societies, large supermarkets, car dealerships and independent providers like Nemo Personal Finance. Remember a Nemo loan is secured against your home so you must ensure you can afford repayments.

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Calculator: What is the Monthly Payment on an SBA Loan?

Business Loan
Small Business Administration loans are essentially bank loans that are backed by the SBA, allowing businesses to get longer loan terms and lower interest rates than a traditional bank loan. The SBA 7a loan is the most popular of these loans, making it the most applicable loan to small businesses. This calculator will not reflect accurate interest rates or monthly payments for other types SBA loans besides the 7a loan.

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How to Balance Risk vs Return in Small Businesses Financing

Risk vs Reward
Anyone who offers credit to small companies faces a standard business decision of adding new revenue with taking a risk for default and debt collection. If credit terms are set too tight to minimize risk, profitable revenue can be lost. On the flip side, offering terms that are too generous can increase the default rate and hurt profitability.

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How to Get Funding for New Business with Little or No Credit

Loan
Here is the dilemma. You have this great business idea that you feel strongly that it will succeed. However, you have no credit and no collateral. What do you do? How can you get much-needed loan so that you can jump start the business? Well, here is some good news. While many lenders may not feel comfortable with giving you money solely on the idea there are some lenders and investors who will base their decision to lend you money largely on the strength of your business idea. If you have cash flow, a great idea, and can prove your concept, you may be able to get the money you need. How? Read on to find out.

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What Role Business Loans Play in Post Recession Environment?

Business Loan
According to economic pundits, the primary reason for the Great Recession of 2008-09 was the climate of easy credit and greed. There was an assumption that property prices would continue to rise so that loans against real estate was a certain winner. It proved to be gross miscalculation, and as the recession kicked in an increasing number of households and businesses suddenly found that they were not in a position to meet their financial commitments. The result was repossessions on a huge scale and many business failures. Fortunately, economic recovery has set in during the last 4-5 years and the questions in need of addressing revolve around whether business should be able to borrow in order to develop and what price should it be paying?

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Should You Tap into Home Equity Loans for your Cash Needs?

Home
The recession affected those living in the United States in number of different ways. Some people lost hours at work, which made caring for their families difficult, and others found themselves drawing unemployment and scrambling to find a new job. The recession also did lot of damage to the housing market. More homes went on the market than there were buyers, which led to homes selling for well below market value. As many found themselves trying to rebound from the recession, they often looked at equity lines to cover the costs they have.

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UK Government Launches Guide to Find the Right Business Finance

Business Finance
Probably the definitive manual for any business looking for funding in the UK is a new Business Finance Guide, jointly launched by the Institute of Chartered Accounts in England and Wales (ICAEW) and the British Business Bank, and promoted by the Department of Business, Innovation and Skills and 18 major finance and business organisations.

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