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Talk to any business owner or read the business section of any newspaper and you’re likely to come across stories of struggles to access sufficient finance to grow or maintain their business. But we are beginning to witness a change in how business owners access finance with many now actively seeking out alternative sources.A survey carried out by the UK’s Forum of Private Business found that 26% of businesses were hunting out alternative financial products, with 21% seeking them outside of the traditional main High Street lenders. In fact, in another survey undertaken by the Federation of Small Businesses, it was discovered that only 35% of respondents used a traditional overdraft facility in 2011.So, if banks are continually reluctant to lend to all but the lowest risk businesses, how can the remainder of the UK’s business population finance growth? Here are some of the increasingly popular alternative sources of finance to investigate.Better Management of Working CapitalThis may appear to be an odd source of finance but very often businesses are sitting on undiscovered cash reserves which can be used to finance growth. A report issued by Deloitte in 2011 revealed that the UK’s largest businesses were sitting on £60 billion of unproductive working capital. Inefficiencies in how working capital (debtors, stock and creditors) is handled can unnecessarily tie up your cash. Cash can be unlocked and released back in to the system thereby allowing self-financed growth plans by taking a close look at credit procedures, how credit terms are granted and how outstanding payments are chased.Ensuring that stock is kept at an optimum level via better inventory management is another area where cash can be released to support and finance growth. Take a good look at your inventory management process and identify areas where cash is trapped.Good management of working capital is not just about better control of debtors and stock, it is also about maximising the terms given by creditors. Are you too eager to maintain a first class relationship with your suppliers by paying well before the due date? You can positively impact your cash position by taking full advantage of terms offered by your suppliers. Have you fully leveraged your position by seeking an extensive of terms from say 30 days to 45 days?Being more efficient in how working capital is managed can release sufficient funds to self-finance growth plans.Personal ResourcesWith traditional avenues of funding being more difficult to access business owners are now looking to their personal resources to fund growth. Whether it be drawing on cash savings, using personal credit cards or taking additional mortgages on residential properties, such sources are an instant solution. A survey by the Federation of Small Businesses found that 33% of respondents had utilised their savings to fund growth. As well as being more immediately accessible using personal resources is often a cheaper source of finance.Family and FriendsSometimes referred to as the three F’s – family, friends and fools – this can appear to be a less stressful way of raising finance. In some ways it can but it can also be a journey fraught with danger. Tapping into their personal network business owners source finance by either seeking a loan and offering to pay an interest rate higher than that on offer on a High Street savings account, or offering a slice of equity in the business in return for investment.Raising finance in this way can be relatively easy because the request and fulfilment is very much based on personal trust. Typically a Business Plan would be presented highlighting both the investment opportunity and the risks but at the end of the day success is down to the depth of the relationship and level of trust.The danger in raising funds this way is that the nature of the relationship will change from that of a personal nature to a business transaction. Failure to regularly pay as per agreed terms, or even total failure to pay, can irreparably damage the relationship so tread with care.Asset FinanceThe Asset Finance industry is based on the concept of either preserving cash or speeding up access to it. Asset finance, which consists of invoice discounting, factoring and funding of asset purchases, has been available as a source of finance for many years, yet it’s only now gaining more recognition. Figures released by the Asset Based Finance Association, a trade association representing the industry, show that to the third quarter of 2011 the amount financed by the Association’s members increased by 9% compared to the same period in the previous year. Whilst the increase may not seem significant it is against the backdrop of a fall in traditional bank lending.In a world where ‘cash is king’ asset financiers help preserve cash by financing the purchase of assets such as vehicles, machinery and equipment. Because the financier is looking to the underlying asset as security there is usually no requirement for additional collateral. According to the Asset Finance and Leasing Association one in three UK businesses that have external finance now utilise asset finance.Asset financiers can help speed up the flow of cash within a business by allowing quicker access to cash tied up in the debtor book. An invoice discounting and factoring facility gives businesses the ability to immediately access up to 80% of an invoice instead of waiting for the agreed credit terms to run their course. Such finance facilities will speed up the velocity of cash within the business thereby allowing the business to fund a high rate of growth.New players such as Market Invoice are entering the market to allow businesses to raise finance against selected invoices. Tapping into high net worth individuals and funds Market Invoice acts as an auction house with funders ‘bidding’ to advance against certain invoices.Crowfunding and Peer-to-PeerA relatively new phenomenon is the concept of raising finance by tapping into the power of the crowd. The historically low rates of interest payable on savings have led to depositors seeking out new ways to increase their returns. With business owners struggling to raise the funding they need it’s only natural that a market would be created to bring these two parties together.CrowdCube entered the market in 2010 to match private investors seeking to be Dragons with those businesses looking to raise capital. Once a business passes the initial review stage their proposal is posted on the site and potential investors indicate the level of investment they wish to make with the minimum amount being as low as £10.Businesses looking for a more traditional loan should consider Funding Circle. Established in 2010 Funding Circle also matches individual investors looking for a better return with those businesses seeking additional finance. Businesses can apply for funding between £5,000 and £250,000 for a period of 1, 3 or 5 years. As a minimum the business has to have submitted two years Accounts with Companies House and be assessed in order to arrive at a risk rating which guides potential investors.As the crowd sourcing concept matures we are likely to see more players enter this market to capitalise on the need for better investor returns and easier access to business finance.There is More Than One Way to Fund GrowthAccessing finance to fund growth plans does not have to be difficult if you are prepared to seek out alternative providers. Funding growth is now no longer the exclusive preserve of the traditional High Street bank and it’s now down to business owners to seek out the alternative routes.

The motive for setting up an online business is very clear to plenty of people. The online economy is growing and the possibilities of reaching customers around the world and generating extra revenue is very attractive to new entrepreneurs. But many abandon their business ideas because they don’t think they have the time. We all have the same 24 hours in each day and the answer is not about miraculously finding more time. The key is to control the time available and make it work more efficiently.Setting Up An Online Business Step By Step.In some cases, when it comes to setting up an online business, some people have the notion that it is all or nothing. They think that to start your own online business, you have to jump in head first, give up your day job and put all your energy into creating your new internet business.If you currently have a day job that pays the bills and gives you with other benefits, hold onto that job whilst you work on setting up an online business in your spare time. To get this done, you can get up an hour earlier in the mornings and use your lunch hour to work on your new business. Setting up a web business means that you can get access it just about anywhere as long as you have a computer and an internet connection.You can also cut down on the amount of time you spend sitting in front of the TV. Additionally, you can give up one hour of sleep at night to work on the business and work a couple of weekends each month.It may seem like a lot of time, but if you work it around your day job and stick with it, you can steadily increase your income while setting up an online business until you can comfortably afford to let go of the job you now have.Take Action To Reap Rewards.Another situation could be that you are made redundant from your day job through no fault of your own or your job you hate your job so much that you just have to leave now. All of a sudden, you find yourself having the same forty or so hours you gave to the day job now available for setting up an online business. Always get started immediately. If you wait around and waste time you could lose valuable motivation to get started. Let the enthusiasm drive and push you forward.With the benefit of working full time on your online business, you’ll be able to dedicate the continual attention the business needs to grow. Rather than squeezing it into a tight timetable, you will have the time you need.There has never been a better time to start setting up an online business. There continues to be an increasing number of people buying goods and services on the internet each year. Online consumer spending shows no signs of slowing down. The time people already spend shopping on the internet by using laptops and desktop computers is increasing with time spent browsing and buying by way of smartphones and tablets. That is translating into a faster growth in online sales.When setting up an internet business, it’s not so much about finding the time as it is taking the time. Today will quickly be yesterday and you won’t ever get that opportunity back again.

It is a fact that for many people, traveling has been considered a great way of spending their vacation time — this, despite the fact that a large number of these people also travel extensively for work. Whether you’re traveling for business or pleasure, you should be sure to investigate the variety of online travel deals available at your fingertips. If you don’t, you’re missing a great opportunity for saving money on your travel expenses.Of course, there are some travelers who have plenty of money and don’t worry about finding the best travel deals; however, if you’re reading this article, we assume you’re not in this camp!Far and away the most popular place to find online deals these days is through the online travel aggregators such as Expedia, Travelocity, Kayak, and Priceline. Though many of them initially focused solely on one segment of travel (such as flights or hotels only), these sites now offer price comparison shopping for flights, hotels, car rentals, and even package deals combining multiple components. These types of sites scour the internet to try to provide the best deals for any imaginable itinerary — Priceline even offers a ‘name your own price’ option to possibly get even better deals. TheseAlthough the travel aggregators outlined above offer some great deals, don’t overlook the possibility of travel agencies. Many travel agencies advertise their offers online, enabling potential travelers to find their holiday destinations with discount packages. The travel agencies often have deals available that aren’t publicized on the large websites. Sometimes this is due to the agencies finding last minute deals; other times, it is due to the fact that only a limited number of discounted packages are available, and the packages never even get published online.In addition to the travel aggregators and travel agencies, also consider the possibility of looking for discount travel through vendors directly. For example, if I see a United flight for $300 on Expedia, I sometimes check the same flight on United.com, and find a slightly better fare. The same can be true for hotels and car rentals.Keep in mind while you’re looking for your travel deals that booking early often times leads to greater discounts. Sure, there is the occasional great last minute deal, but a) those are not the norm, and b) you need to have an extremely flexible travel schedule to take advantage of these deals — that’s not too easy when you’re trying to get your family away during your children’s school spring break!

When people are thinking about expanding their business one of the primary things which should come to mind is business online marketing. There is no better strategy for finding a large market of consumers, specifically when you are doing it the correct way, and you have it working. It is additionally great for someone on a budget mainly because online advertising and marketing can be very affordable. The most significant issue you will run up against is finding which method is best. Not only is this marketing and advertising strategy affordable but it can also be incredibly effective and can wind up carrying your business to a whole new level.Business Online Marketing Requires Targeted Traffic
A website is only the beginning of business online advertising. To be able to be a successful online marketer it will be of vital for you to have the ability to people visit your website. To get traffic from the major search engines, you have to learn what they like, to be able to get your internet site ranked well. Posting videos to YouTube about your site and your products is actually a good idea, but you are going to find that building links to your site will be the best way for you to get the high search engine rankings you need to be able to get traffic. What you’re going to have to figure out is what technique will be best for you and stick with it.Another technique used for business online advertising is through affiliate advertising. For those of you that are unaware of what this is, this is actually a practice of getting other people to market your internet site for you. For this to happen you need good products, along with a good commission rate for the affiliate sales. A number of the better affiliate marketers that are online today will have the ability of driving huge amounts of traffic to almost any website they elect to promote. Many individuals do not realize exactly how much more money they can make on their product by simply opening it up to affiliates to advertise. You ought to also take into account that your product should be something which people are going to want to purchase otherwise you’ll not achieve success. If you have the ability of recruiting a large number of affiliates, the amount of money you make could in fact end up being unlimited.Business Online Marketing involves giving out quality information
Business online marketing and advertising can either give your business credibility or it could ruin your reputation, depending on how you do it. Take into account that any content you post to the Internet should be incredibly informative and valuable to people since this is how you will improve your reputation over the long haul. Your reputation could be negatively affected if the content you publish online has nothing to do with your product or isn’t valuable and informative. People that come to your web site need to know your information is credible, before they are going to recommend it to others. You ought to find that your traffic levels will continuously rise when you are providing individuals with information that they are actually searching for.To be able to be profitable and successful with your online advertising, research will have to be carried out so you can discover how to do this in the very best way possible. For those of you that are trying to take your business to the next level and raise your income you’re going to discover that business online marketing and advertising might be precisely what you’ve been trying to find.

If there was ever a life saving drug in the loan industry to people with bad credit – it is personal loans. Bad credit usually is not very keen to part with your credit history and stays for 7-10 years depending on the severity of the credit problem. Those who have bad credit are rarely comfortable with loan borrowing. For them there is a silver lining in a rather new improved form – no credit check personal loans.Interestingly, there are still lenders who are not ready to take the risk with bad credit borrowers. Borrowers are turned down due to any credit problem No credit check personal loans, for the first time, give the bad borrowers a chance to share the platform with those who have good credit. With no credit check personal loans these borrowers have equal set of opportunities to choose from. No credit check personal loans also are great way to borrow when time is less, especially with no need to browse through credit reports.No credit check personal loans though achievable but will require patience and perseverance on the part of the borrower. Finding no credit check personal loans will require an extensive research. Online you can locate many options for personal loans without credit checks. But a borrower must be careful for online there are as many chances of getting duped as of getting success.Don’t rush and carefully think about which no credit check personal loans to sign for. First look around and apply for free quotes. Free quotes will enable you to evaluate the cost of no credit check personal loans. Quotes are personalized so they will exclusively deal with the cost of for your particular situation. Then comes comparing loans. Comparison of no credit check personal loans quote will open your eyes to the loan that maximizes benefits for you. While you apply for personal loans without credit checks, make sure you understand terms and conditions. And the fine print! Did you read it? Ensure that, in your enthusiasm, you did check it holds no surprises for you.While looking for no credit check personal loans look carefully for interest rates. You might come across the term APR. This is annual percentage rate and gives the real cost of the personal loan. It takes into account the sum of the interest and other fees, such as discount points, compared to the amount of the loan. With no credit check personal loans look for loans with lower APR. “No credit check personal loans” may not be categorized exactly as “low interest rate loan”. But the loan lenders will charge reasonable fee for personal loans with no credit check. Try to differentiate between reasonable and outrageous fee and skip those lenders who charge high fee or outstanding benefits.No credit check personal loans should be restricted to small amounts and small terms in the beginning. Take personal loans that you can easily repay. If you make no mistakes, you build your reputation with the lender. Thereby loan lender will consider you as reliable borrower and later you can qualify for larger amounts with better interest rates. No credit check personal loans can be a new start for your credit situation.In case you want to borrow large amount with no credit personal loans, collateral will ensure its approval. If you are applying for personal loans with no credit check, purpose will not be an impediment. Debt consolidation, boat, wedding, home improvement, car……. – take no credit check personal loans for whatever reason. But do coordinate purpose with loan term. Loan term that extends beyond 3-5 years for automobile or wedding personal loans means you are faltering with your calculations.There is no better way to compliment the power of loan borrowing by using the loan sensibly. A personal loan with no credit check is a means like any other loan, to satisfy your financial anxiety. Entrust it to provide that while you make no mistakes. Think of the freedom of not being turned down for bad credit while looking for personal loans! At the end of the day no credit check personal loans are still an exceptional way of money borrowing.

Nobody wants to pay more than they really have to for what they buy, and that is true of used car auto loans as well. Since the amount that you pay back to the lender is tied to the amount of interest charged, it’s important to get the best auto loan rates that you can. Over the course of an auto loan that stretches over 5 – 6 years you can pay out thousands more on an loan that has higher than normal interest rates. So one of your main goals when arranging financing for the car purchase is to get the best interest rate that you can.One of the most important points to realize is that you will almost always get the best auto loan deal by arranging it yourself before you even go car shopping. It may not be the easiest and most convenient thing to do, but getting your car financing lined up in advance can save you lots of money over the life of the loan. A lot of car buyers prefer to just let the dealer arrange the financing for them instead, and by doing that they wind up paying more than they should for that loan. Car dealers rely on this convenience factor and make plenty of money in their finance department as a result.Typically, the dealer writes up your contract with a preferred lender who has an arrangement with them to pay the dealer so much money for every loan that they write through that company, and the dealer can also mark up the interest rate to pad their profits too. Of course, someone has to pay for that extra that the dealer gets, and that is you, the consumer. That’s why lining up your own uaed car auto loans in advance is a smart move.Contact your local banks and credit unions if you belong to any, and have them make a loan offer for you. Then go online and get loan quotes from the major online auto financing sites that specialize in dealing directly with consumers. There is always a better loan deal that can be had, so the more you shop the more chances you have of getting lower rates and a better deal. You will also no doubt find that loan arrangements will vary not just a little but sometimes a lot between different companies, so that’s why it’s good to do as much shopping as you can first.You should also know your credit history, and should have kept any errors off your credit report before you start loan shopping too. The credit score that is in your credit history will decide whether or not you get the best auto loan rates. So keep your credit score high to avoid losing money on future loans. If for any reason, your credit history suffers, get back on track as soon as you can and start paying your bills on time and in full. Often you can turn your credit score around in just 2 -3 years time even after suffering a serious setback.Understanding the lending process and shopping for the best deal on your own puts you in control of your loan arrangements, and that means that you will be a smart consumer that saves money by getting the best auto loan rates possible each time you buy.

Would you agree that network marketing these days go hand in hand with internet marketing? If you do agree and I believe it’s true, then why is it for the vast majority of people in network marketing have very little, if any knowledge about how to internet market their opportunity?I think the answer to that question is the industry has let us network marketers down when it comes to internet marketing. Plain and simple most of us don’t know how to do it. Most are just out there trying SOMETHING. Facebook, YouTube, Instagram, Twitter and maybe even LinkedIn have been the big kahuna’s as far as marketing online via social media. Don’t get me wrong, SOME have had success, but MOST… NOT! My own little research has found MOST networkers who have used those platforms have had little success recruiting people into their opportunities. Again notice I said MOST. Not all. And if you’re one of those few who’ve had success… Fantastic! Disregard this article. I’m speaking of the vast majority.I was as excited as the next guy or gal back in the day, when my sponsor showed me how the internet was going to change how we recruited people. As a matter of fact, I breathed a sigh of relief knowing that I would never have to do another personal presentation or home meeting.But what ended up happening is the internet made a way to spread the word about our opportunity to thousands or even millions, and the industry embraced it, but forgot to teach us how to spread the word. I know, I know it’s not the company’s responsibility to teach you how to market. But what about that new person you sign up who desperately just wants to make extra money to make ends meet? And doesn’t know how? Falls on you doesn’t it? But what if you don’t know? Then what? Your upline?So what we have is a bunch of network marketers trying Facebook, trying YouTube, trying Instagram, etc. But there’s no clear blueprint on how to internet market your networking opportunity.So here is my attempt to pass along a little of what I’ve learned. Mind you, I’m not the gospel according to making six figures a month or anything, but I do know a thing or two that can help coachable network marketers promote their business opportunity online.Okay let’s start with what all of us need most in network marketing… LEADS! We need to learn how to create our own FRESH responsive prospects who end up chasing us about our opportunity and not the other way around.How do you do that? I know I’ve written about this before and might sound like a broken record to those of you who have read my business announcements here. But maybe I’ll explain it differently so you don’t say, “Here he goes again!”Wouldn’t you agree that it’s safe to say that people like yourself have invested (notice I didn’t say spent) anywhere from $50-$500 enrolling into their opportunity? So you are a proven buyer. Then there are all the other necessities to run your business like buying the product automatically every month, your company’s website, advertising, etc. Again… you’re a proven buyer.So if people are proven buyers, you need to go where they are. These people known as network marketers are your TARGET Market. They have proven that they will spend money on their business and they are actively trying to promote their business online. If you put the right offer in front of them they’ll probably become members in your downline or buy your product and become a customer.Facebook?Your friends there don’t want to know about network marketing. But the networkers in MLM Facebook groups do. DO NOT market your opportunity to them though. Quit pitching them! They already have an opportunity. Show them how you can help THEIR business. Trust me, you do that and they’ll know you have your stuff together and eventually will be curious about what you’re doing. Then they’ll chase you.Network marketers are open to learning how you might be able to teach them how to internet market. So advertise online how you can help them in network marketing ezines, write articles in EzineArticles.com, grab some PLR (Private Label Rights) material on internet marketing and make it into an eBook on how to do internet marketing. Create a blog that gives them the kind of valuable content that teaches them how to market their business online.In summary, do this:
Step 1: Find Network Marketers (MLM Genealogy Lists)
Step 2: Send a good sales message to email addresses of MLM Genealogy Lists
Step 3: Take phone numbers from MLM genealogy lists and use a company called GoRingless.com to send your marketing message to 100′s- 1000′s at a time.
Step 4: Follow-up with prospects that are now emailing you and calling you back to find out what your message is all about.
Step 5: Share valuable how-to internet marketing content via your own blog, social media, articles, blog commenting, network marketing forums, etc.
Step 6: Close prospects (Are you in? or Are You Out? Don’t sell!)
Follow these steps and you will make a change in your business for sure.

If you want to make a successful and highly profitable real estate investment, there are some key factors that you should consider before choosing an investment property. We have compiled this Property Investment Checklist to provide you with a short but essential summary of key factors you should pay attention to.1. Have you chosen a reliable and professional property investment agency? If you are investing through a property investment company or property agents, you will have to make sure that you can fully trust them. Check the company’s track record, ask to see client testimonials, and try to contact former clients. Ensuring that you are using the right property investment company will give you peace of mind and is essential for a successful property investment.2. Do you understand the basics of property investment and current market conditions? While you should use professionals, solicitors, or real estate agents during the investment process, you cannot entirely rely on them. Make sure that you understand the basics of property investment and all financial details involved. This will enable you to spot any potential risks ahead of time and to find a profitable investment opportunity and a good location.3. Do you have a clear picture of what type of investment property to buy? There are a variety of investment properties, such as buy to let properties, BMV properties, off-plan properties or overseas properties. The type of real estate will also determine your investment strategy, so make sure that you know what kind of property and investment strategy you are looking for to achieve your desired profits.4. Is the property in good condition and is it in a good location? These should be crucial considerations, as you will either want to let the property, or sell it to another property investor or home-buyer. A property that is in good condition might be more expensive, but buying a relatively cheap property in a bad condition will always incur significant additional repair costs. Whether you want to find tenants, or resell the property, the location will be crucial, and a property in a bad neighbourhood or in an economically unstable location will rarely turn out to be a good investment.5. Will you find tenants for your property? When investing in a buy to let rental property, the tenants will form the basis of your investment bringing you profit, so it is essential to make sure that you can find tenants for your property. This will depend on the location, property condition, the rent, and many other factors. Some property investment companies will even help place tenants in the investment property.6. Do you understand how to maximise your returns? Achieving a positive cash flow will make your property investment successful. While it is obvious that every investor wants to maximise returns, you will have to understand how to make this happen. Finding a property possibly below market value but in a good location and good condition will be crucial for the success of your investment. You will also have to understand how to minimise the costs, including repairs, and taxes, and you should also make sure that the property remains let for most of the year.7. Do you understand the risks? Property investment will never be without its risks, and you will thus need to understand all the risks involved. Economic growth might not be as expected, or you might not find tenants for a longer period. By understanding these risks, and developing an effective risk-mitigation strategy, you will find it easier to turn your property into a successful investment.