Posts Tagged ‘loans’
Small Business Credit Options
Thursday, November 27th, 2008
Q: Steve, it is no secret that credit and money are still tight, but what is a secret is where small business should go now. My line of credit has dried up last month and I am at a loss. What are our options?
Michael
A: The good news is that there still are options out there, it’s just that if you want to find the money to start or expand your business, you may need to look in new places and be more creative.
The era of ‘easy credit’ is over, that’s for sure.
In fact, according to Senator John Kerry, the chairman of the Senate Committee on Small Business and Entrepreneurship, in a letter to President Bush on this subject, the country’s largest source of long-term small business capital, the SBA 7(a) loan program, has fallen by nearly 50% compared with the same period last year.
That’s the very bad news.
So what do you do if you need capital for your business right now? Here are some options:
Bank loans: With many large banks now partially owned by the government (say what?!), with so-called toxic loans still on the books, and with the credit crunch not nearly uncrunched, you will find big banks are not the friends to small business that they once were.
But small banks still are, and that’s where to go now. Community banks are still making loans. They are still offering lines of credit. They still say yes. Why? There are a few reasons:
• Small regional banks have always been run conservatively, so few have bad loans on the books.
• Many are local institutions, with deep roots and significant assets.
• Regional and community banks have proven to be better lenders, and so still have assets to lend.
Credit unions: Similarly, credit unions may also be a good place to go for a loan right now. Like local banks, credit unions are not exposed to the same risks that big banks are. As such, local credit unions have seen their portfolio of small business loans increase.
SBA loans: Small Business Administration loans have been a traditional source of small business lending, but that is drying up for various reasons: Cut backs by the Bush administration and increased fees have been the most common reasons. To exacerbate things, since SBA loans are, by their very nature, government-backed, and as the government is now busy backing banks with $700 billion elsewhere, things may get even tighter.
I wouldn’t expect things to ease up on the SBA front until a new administration takes over in January.
State and local governments: There are no shortage of local government programs and agencies that may offer you financial assistance. For instance, check out local Economic Development Centers.
Credit cards: Credit cards have also been a traditional way for small businesses to fund the dream, and that remains true. However, because far too many small business owners get in over their heads with credit cards, a word of caution is in order. Just don’t use them if you can’t pay them back.
And if you do use them, be sure to transfer your balances onto the card with the lowest interest rates, and then pay off as much as you can as soon as you can. Using new cards with introductory artificially-low teasers rates is also a good way to keep borrowing costs down.
Other financing: Manufacturers and suppliers might offer a line of credit, or even inventory on consignment. They want to keep your business.
Also, check to see what sort of financing your business "partners" may offer. For example, Microsoft (a company I do some work with) offers technology funding to small businesses. Their "Total Solution Financing " helps small and midsized businesses finance their technology purchases with fixed-rate loans, and they do something similar with software licensing . You may have business partners that you work with who have programs of which you are unaware. Ask.
Bottom line: Time to get creative with your financing.
Today’s Tip: Here’s one final idea: Check out something called peer-to-peer lending. This form of private lending is increasing in popularity. Private lenders compete for your loans. Check out, for example, www.Prosper.com
Need a speaker for your next event? Contact Steve ! He is one of the world’s leading business experts, a popular speaker on the business lecture circuit, and is sure to leave any audience thrilled. A columnist for USA TODAY, lawyer and author, his latest book is the best-selling Small Business Bible : Everything You Need to Know to Succeed in Your Small Business . You can sign up today for his free newsletter , "Small Business Success Secrets!" at his web site - www.MrAllBiz.com .
Tags: advice, banking, credit, credit options, loans, Steve Strauss, tips
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Why You Should Avoid Taking Out a Merchant Cash Loan
Thursday, April 24th, 2008
In the same way that people get into financial tough spots, so do businesses. In many cases, the solution for the business is taking out a merchant cash loan. A merchant cash loan is basically the same thing as a payday loan.
When a business gets into financial trouble, they can contact a merchant cash advance provider, or MCA. Getting these loans is easy and you do not need collateral to get them, as you do with banks.
Why Business Owners Resort to MCAs
The reason most business owners go to a MCA is that they cannot get a loan at a bank. A business can borrow up to $150,000 dollars and agree to pay it back - for a loan fee of 25% or more. These loans are paid back to the MCA provider, which takes small portions of the business’ credit card sales until the loan has been paid in full.
Repayment usually takes about six months.
A merchant cash advance loan should only be considered if there is absolutely no other option . That 25 percent or more that you have to pay back in fees could be better spent helping you increase your business’ profits.
The High Cost of Repayment
In the event that the loan does not help and the company goes out of business, the merchant cash advance provider has no recourse as long as the business owner clearly followed the terms of the contract.
If a merchant cash advance provider feels that their contract has been broken, then they can take whatever action they feel is necessary to get their money. Often that even includes taking the business owner to court.
This is yet another reason that taking out a merchant cash loan is not the best idea. As a small business owner, your goal is to stay out of court -not get dragged into one.
Modern MCAs - Making a Killing at Your Expense
A decade ago, there was only one merchant cash advance provider. It was called AdvanceMe. They only lent approximately $10 million dollars a year. Now there are MCAs all around the world, and they lend out over $700 million dollars a year, on average.
Choose Carefully
> Before making this decision, weigh all of your options:
> Is there any other place you can get the money?
> Do you have any family and friends that can help?
> What are you taking out this money for?
> Will this loan considerably increase your bottom line?
> Can you run your business without it until you can afford it?
> If the cash advance is for making a purchase, is it necessary that you get the money right now?
A Last Resort
If you have tried every other resource possible, and nothing has worked, then and only then should you consider going to a merchant cash advance provider. The most important thing to consider as you take this step is to make sure you can afford the regular payments.
Merchant cash advances can be a good thing to have, but only if you are in an especially tough spot. When you are having trouble paying the bills, or need to expand your business in a pinch, this can be the money that saves the day.
If you decide to go the MCA route, remember to read the contract carefully. A merchant cash advance is not an advance you get just because you need some extra cash.
Tags: advice, Finance, Finance and Accounting, Leeia Ladipoh, loans, merchant cash loan, small business loans, tips
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How To Sell Your Business Loan
Wednesday, April 9th, 2008
After you build your business up and are successful you might be tempted to consider selling. The problem many business owners run into is that finding someone to buy their business is difficult. Many times people are interested in purchasing the business but they lack the cash to make the purchase, or have credit that isn’t quite good enough for standard financing. Although everyone dreams of a quality business person with cash and financing to walk in that doesn’t happen very often.
The bank is going to check on the history of the potential owner to see what their financial situation is. Unless they have outstanding credit and a strong track record of successfully running businesses the chances are they will be unable to obtain a loan to buy your equipment, customers, buildings, or other assets.
If you have succeeded in business the chances are you possess a good amount of the entrepreneurial spirit. That spirit gives you a can do attitude and where there’s a will there’s a way so you most likely will find a way to get your business sold.
A prospective buyer who has enough cash for a down payment and some decent collateral can many times work with the owner of the company and talk them into carrying the loan. It works just like carrying a loan on a house or property. And one advantage is you know exactly what the collateral is worth because it was your business!
Selling a business is difficult and banks won’t just automatically allow the person who wants to buy your business to take over your loan even if they do have enough for the down payment. In fact, they may not even consider the success of your company due to the fact that it will be run by a new owner.
Carrying the loan when you sell your business can work for many people, except in a couple of glaring exceptions. If the future owners of your business decide to stop paying you are suddenly back in business as you will have to repossess you company. Repossessing a business is difficult and not an easy position to be in. Make sure you conduct due diligence on the people you are considering carrying the note on your company for.
The second instance where selling your company and carrying the debt won’t work is if you need the money out of the business quickly. But what do you do if you can’t find a cash buyer or someone who can qualify to buy the business? You carry the loan yourself and then look for an alternate buyer to purchase the debt.
Start with banks and local firms who purchase debt just be aware they are going to discount the loan, which means they will buy it for less than it is worth. This is the cost you will pay for cashing out the debt, but remember, when you sell the debt it is no longer yours to carry and you can take your proceeds and do with them what you want.
Ensure you consult a business law attorney prior to selling your debt and ensure you are aware of all of the tax implications from the sale of the debt as well.
Tags: advice, Finance, Finance and Accounting, larry Slusser, loans, selling a loan, selling your business loan, tips
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Deciding How Much of a Business Loan to Ask For
Thursday, March 6th, 2008
When you’re starting out in your new business, one of the things that you may be considering is a business loan. These are excellent for helping people get started in their own business, as they offer far more favorable rates than a standard loan might offer. They’re also a good way to help maintain your company during lean spells. However, it can be difficult to decide how much of a loan you actually need - after all, it may be just a booster to top up your own finances, or it may be on a larger scale.
Deciding how much you need for your business loan is easier if you set out some basic pointers. One of the best ways to do this is with your business plan - this should offer a good idea of what costs are going to be involved, and that in turn will let you know how much your business loan needs to be.
What Does Your Business Need?
Another way to decide how much to ask for when applying for a business loan is to determine what it will go towards. It may be that you can afford the rent on any office space you’re taking, or the initial stock and supplies, but what else do you need? If you make a cash flow list of some of the key equipment and items that you need (depending on your business), this can help make the decision easier:
- Buying supplies/inventory
- Paying any wages and rent
- Buying fixtures and equipment for your office/retail space
- Computer(s) and accessories
- Business services, such as website design or marketing
Once you know what your business needs are, you can then deduct this from the cash flow and initial investment you already have. That should then allow you to make the decision on how much of a business loan you need.
Time Factor
Once you decide how the money from a business loan is going to be used, you need to look at the time factor involved - again, this can go a long way into helping you decide how much you actually need to borrow.
For instance, will the loan be for a quick-fix solution to a temporary cash flow problem? Or will it be used with a longer-term plan in mind, perhaps for new acquisitions or getting you through a seasonal dry spell? Obviously if it’s a short-term solution, then you may not need as large a loan as you would if you need to see yourself through a shortage of sales or orders.
Affordability
Perhaps one of the most overlooked areas of a business loan is actually knowing how much you can afford to ask for. If you take out a loan for a short-term fix, and then the payments are too high because of the short timescale in which you need to pay them back, then it could be causing even more problems for you financially. Look at your business and your outgoings, and see what you can realistically afford to pay back each month without going in the red. This will then let you decide how long a term you need to pay the loan off, as well as how much the loan itself should be.
Tags: advice, business loan, danny brown, Finance, Finance and Accounting, loans, startup loans, tips
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Show Me The E-Money - Finding Business Loans Online
Wednesday, March 5th, 2008
If you are trying to find a little extra capital to continue to grow your small business, it may not be as easy of a task as you had hoped. Because of the housing market crunch, a lot of the money that banks would usually use to finance loans is stuck in the rising number of foreclosures. This means many banking lenders are not as willing to write loans, until they can reclaim some of the cash they are missing.
What is your small company to do when you feel a growth spurt coming on and are having a tough time getting financing from your banking institution?
Look online.
Beginning Your Online Search
There are a number of companies that may not have brick-and-mortar buildings, but do have money to lend that you can get a piece of.
When you begin your online search, remember for as many honest lenders that are on the Internet, there are just as many fraudulent lenders who are just trying to get your personal information and steal your identity. Never give your personal information out until you have done some research on the company that you are considering.
You need to look for an online loan company with a positive reputation. Once you have found a lender you are interested in, do a Google search for that lender’s name. Also, check with the Federal Trade Commission . They keep track of companies that have complaints levied against them.
You should be able to log on to the FTC site and search for the company you are considering using to see if any complaints come up. If so, you may want to look for another lender.
Well-Known E-Funding Sources
Try contacting larger, better-known online lenders such as ELoan or Lending Tree . These companies have been around for a while and have completed a number of successful transactions.
They offer loans in all categories, from home loans to personal and commercial loans, so there is little doubt you will be able to find a loan that suits your needs.
Non-Traditional Online Sources
You may also want to investigate less traditional loan avenues including companies like Globe Funder and Prosper.com . Globe Funder takes your loan needs and shops them around to various lenders worldwide to try to find a match. Prosper.com allows person-to-person loans. They match up borrowers and private lenders, who want to help people.
The interest rates for these types of loans are comparable to bank loans and are often much lower than credit card financing rates would be. It is important to note that with companies like Prosper.com, you will not be able to secure large loans, as they rarely do loans over $25,000.
Loans, Rates and Fees
You will have to choose between secured and unsecured loans. Secured loans are loans where you use collateral to back up the loan. With unsecured loans, you get the money without putting anything on the line. If you need a longer loan period, you may want to find the collateral for a secured loan, as they have longer grace periods for repayment.
Read interest rate information carefully. There are many companies that offer loans, but that hide their high interest rates. Many payday loan operations offer personal and business loans. If you do not do your research, you could end up paying 600% or more in annual interest.
Also, watch for any loan “fees”. While small processing fees are common, some scam artists out there will take advantage of your situation and charge you astronomical fees to apply for a loan. In many cases, these are not even legitimate businesses and they will disappear with your “application fee”.
The online world has opened many doors to new opportunities for small businesses. Finding business loans is one of these. The key to getting the right online business loan for your company is to make sure you choose carefully and do your research before you sign anything.
Tags: advice, business loans online, Finance, Finance and Accounting, Leeia Ladipoh, loans, money, startup loans, tips
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We’ve Got Your Number - Business Financial Calculators
Tuesday, February 26th, 2008
We can’t all be math wizards. From understanding capital and cash flow to evaluating loan and debt options then sorting out taxes and payroll deductions, there are a lot of numbers that have to be moved around - and understood - to run a small business.
Luckily, there are a lot of great business financial calculators out there that will help you sort out all the numbers relating to your business - and what they mean to your bottom line and your business’ future.
Accounting and Taxes
When it comes to the health of any company, the day-to-day monies coming in and going out are important to keep tabs on. There also needs to be a good amount of planning to make sure you know what you should be putting aside for Uncle Sam, so you are not unpleasantly surprised at the end of the year.
Working Capital Needs Calculator - Working capital is the money you need to have in the bank to be able to pay all the bills that come into your accounts payable department. This calculator can show you what is happening with your cash flow and what you need to be bringing in to keep your head above water.
Self-Employment Taxes Calculator - If you are self-employed, there are all sorts of tax and deduction rules that may apply to you. This calculator will help you find out what you will end up paying when it’s all said and done.
Gross Pay Calculator - If you have employees, you need to make sure you are taking the right amount out of their paychecks to cover all tax and federal deductions, as well as any benefits. This calculator will make sure your number crunching is correct.
Debt Management
Keeping tabs on your small business’ debt is important to keep it from getting out of hand. It’s also necessary to know how to get rid of it. These calculators will help sort out your business’ debt profile.
Total Debt Calculator - This calculator will help you figure out just how much your business owes on its accounts.
Accelerated Debt Payoff - Once you know your debt, you need to get rid of it. This calculator will help you come up with a payment plan to get out of debt sooner.
Business Debt Consolidation - At some point, it may be best to consolidate your business debt to pay it all off. This calculator will help you find out if that time has come.
Loans
Every now and then, every small business needs a little financial boost. Most look to commercial loans. These calculators will let you know if you will be able to get a loan, and how much it will cost.
Commercial Loan Calculator - This calculator will help you find out whether or not you are likely to be approved for a business loan.
Enhanced Loan Calculator - Not sure which loan will work best for your business? Use this calculator to change out variables such as loan amount, interest rate and monthly payment to see how your options stack up.
Amortizing Loan Calculator - If you have a monthly payment in mind for your business loan, this calculator will help you find out just how much you will be able to borrow.
When it comes to running a business, crunching numbers is never fun. But these handy calculators can help you get the job done just a little bit easier.
Tags: Accounting, debt management, Finance, Finance and Accounting, financial calculators, Leeia Ladipoh, loans, small business tools
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The Skinny on Commercial Real Estate Loans
Thursday, February 14th, 2008
Whether you have been running your business out of your home or a small office in town, if things are going well, you may be thinking of expanding your working space.
Few people have the money on hand to purchase a whole new office building or company headquarters. You are likely going to need a commercial real estate loan.
For many, more time is put into finding the right piece of property or office space for their business instead of going into finding the right commercial real estate loan. This is a major mistake. Not being careful when shopping for a commercial real estate loan can end up costing you a lot more in the long run.
Making things worse are finance companies that understand the excitement of entrepreneurs who are trying to grow their businesses. They will show them loan deals that look great, hoping they will jump in and sign without reading what they are really getting into.
In many cases, they will offer a great low interest rate; but it’s on a short-term loan that will be hard to keep up with.
Let’s take a look at how you can avoid ending up on the short end of the stick.
How to Find the Best Loan Yourself
You need to do a little comparison-shopping. Talk to the lenders you are considering to see what they have to offer. Once you gather the loan options from various lenders, size them up against one another to figure out the best deal.
Remember, the bank you have used before is not always going to be the best. While sometimes you will find a great deal with a lender you have known for years, other times there are specialty lenders that are more focused in the commercial real estate loan market and can offer better rates.
There are some provisions you should keep an eye out for when comparing commercial real estate loans. Look to see if there are “call” or “recall” provisions worked into the loan. This means that at any point in time the lender can see that your financial situation is not what they want it to be and can call the loan in.
If this happens, you could be faced with losing your property - or having to refinance it at whatever rates you can get from another lender.
Let Someone Else Do It
Not all business people have the time to do comparison shopping and hunting for the best rates. After all, if you are working on running a business, you may think your time is better spent doing just that. This is when you may want to call a commercial mortgage broker.
Most mortgage brokers have a number of lenders they work with. They will crunch all the numbers for you then show you a side-by-side comparison of a variety of lending options.
The detail to keep in mind about a mortgage broker is that they are not doing this because they’re nice - they want a cut. They will often ask for 1-4 percent of the loan amount as their commission. With this in mind, make sure you do your own research into the options offered so you don’t end up with a deal that’s better for the broker than for your business.
Legal Issues
Whether you do it all yourself or bring in a mortgage lender, you also will need to bring at least one other person into the equation as you secure commercial real estate loans - a lawyer. You should always have a commercial real estate attorney look over the loan documents and make sure you are getting a deal that is favorable.
They may even be able to do a little negotiating on your behalf to make the loan terms work more in your favor.
If your business is growing, a commercial real estate loan will likely be a part of your future. The important thing to remember is to enter into them carefully so the loans you take will be a positive part of your business growth, not a mistake you spend years regretting and paying for.
Tags: advice, commercial real estate loans, Finance, Finance and Accounting, Leeia Ladipoh, loans, small business loans
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The New Patriot Express Loan Program
Monday, February 11th, 2008
For any small business in the US today, one of the unsung heroes is the US Small Business Administration, or SBA. Offering advice and financial aid to thousands of small businesses across the country, the SBA works alongside local authorities and city councils to provide grants and reduced loans to the companies that need it the most. Now the SBA is offering a specialized package purely for ex-military service personnel who have gone into business.
Known as the SBA Patriot Express Loan Program , its aim is to help start and grow the business of people whose military service is over. And with as much as 14% of all businesses in the US owned by veterans, it’s an aid package that will guarantee at least $1 billion every year to these small businesses that are eligible.
One of the benefits of the SBA Patriot Express Loan Program is that it’s not just limited to the military personnel themselves. It’s also open to veterans and vets disabled while in service; National Guard and Reservists; currently serving military personnel who are part of the Transition Assistance Program to help them cope after military life; and even the spouses of any of the eligible personnel, whether still living or not. Altogether, the new program offers an extensive package for those that qualify.
Thanks to the wide range of network business partners that the SBA has built up over the years, the features and incentives that they’re able to offer the vets include:
* Loans up to the value of $500,000
* Guarantee (upon qualification) of a maximum 85% on loans of $150,000 and lower, or up to 75% guarantee for those loans between $150,000 and $500,000
* Lower interest rates, normally between 21/4% to 43/4%
* Counseling services and expert advice from respected partners like SCORE, Women’s Business Centers and Small Business Development Centers to name just a few
Yet the aid doesn’t stop there. As well as the financial package that the SBA Patriot Express Loan program offers, there are also some extremely practical guides as well. For example, they can offer you advice on how to win high-paying government contracts, thanks to their dedicated Government Contacting and Business Development office. There’s also help in putting together a business plan and finance plan, and much more.
Perhaps best of all is that the program will offer loans as high as $1.5 million, should your business be affected by an injury whilst still serving your country in the Reserve Forces. Similar to a Business Protection insurance cover, it ensures that you won’t be too adversely affected should something prevent you from running your business. Indeed with all the features that it offers, the SBA Patriot Express Loan program is the ideal partner to people who have served their country, and now want to help in its success.
Tags: danny brown, Finance, Finance and Accounting, loans, Patriot Express Loan Program, SBA, small buisness loans, small business administration, Transition Assistance Program
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The Inside Scoop on Getting a Business Loan: What Banks Look For
Wednesday, January 23rd, 2008
Whether you’re starting a business or have an established company, the time may come when you need to borrow money -either for starting or expansion costs. Most business owners will end up turning to a conventional bank for a business loan. Knowing what’s expected from the lender can help to prepare you and your business before meeting with a loan agent and filling out a loan application. It just might increase your chances of getting a loan.
When deciding to give a company a business loan, most banks (big and small) will refer to what is commonly called the "Six Cs".
1. Capacity - For established businesses, banks will want to determine its ability to make regular payments on the loan. This will be one of the most important deciding factors for a bank to determine the size of the loan. You will need a good cash-flow statement as well as tax returns from the past two years. For businesses less than two years old, getting a business loan for more than $10,000 (without the owner as a personal co-signer) may be tough.
2. Credit - For businesses less than two years old, most lenders will want to look at the owner’s personal credit score. Banks want at least a score of 620 - anything lower may result in higher interest rates and unfavorable loan terms.
3. Capital - Before you submit your loan application to the bank, it would be wise to talk to a loan agent first to see what size loan your business will qualify for. For established businesses, a realistic loan amount will be 15-20% of your gross sales. For newer businesses or start-ups, that will depend upon your personal finances.
4. Collateral - For business loans, collateral will be large assets that the business owns - like an office building, warehouse, land, etc. For start-ups or companies operating for less than two years, banks may want to take a look at your personal assets if you are co-signing the loan. Do you own a home or land? Do you have a sizeable savings account, 401k or retirement savings?
5. Character - What is your business background and your experience in the industry? Put together a list of your credentials; the more experience you have and the better your reputation, the more comfortable a bank will be with your ability to make your business grow.
6. Conditions - If you are asking a bank to lend you money, they will want to know why. They want to make sure that the purpose is legitimate and makes sense to further your business along. If you’re trying to get a loan for an established business, it would be a good idea for you to update your business plan , as the bank may want to see that.
Knowing what the bank is expecting from your business will help you to be better prepared when asking for a business loan. Be sure all your paperwork is easy to read and understand, and be truthful in your sales and income. You can be sure a bank will check your numbers against tax returns and bank account balances - if the numbers don’t add up, you may have a hard time convincing the bank that you are indeed trustable.
Tags: advice, business loan, Carrie Hinkel, loans, Starting a Business, startup loans, strategy, tips
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Tips for Finding the Perfect Commercial Loan
Sunday, January 20th, 2008
There is no doubt that starting your own business is one of the best ways to achieve financial independence and true happiness. Many people are simply not content to work for others their whole lives, and it can be extremely difficult to attain true wealth through a traditional white collar or blue collar career. It is no wonder that so many individuals have been starting their own part time and full time business ventures in an attempt to get their piece of the American dream.
Even though running a business can be a road to riches, that road is not an easy one. Entrepreneurs need to be aware of the challenges in order to prepare for them and thrive in today’s competitive marketplace. Having a ready supply of business capital is one of the best ways to prepare for cash flow difficulties in a new business, but finding the right business lender can be a big challenge.
It can be quite tempting for business owners to simply take the first loan they are offered, but it is important for those business owners to carefully evaluate both the loan offer and the lender in order to ensure success. It is important to check out the lender and make sure that the company is trustworthy. A good business lender will be willing to work as your partner in the business, and finding such a lender can give you a real leg up in the business world. It is important to ask any prospective lenders for a list of references, and to carefully check out those references.
It is also important to seek out a business lender who offers a wide range of loan types, financing options and loan packages. Even though only a simple loan may be needed at the moment it will be helpful to know that more complex loan packages will be available down the road.
In addition to a wide variety of loan options, it is also a good idea to seek out a lender who is familiar with the particular challenges of your industry. Each segment of the business world presents its own unique challenges, and a business lender who understands those challenges can be invaluable.
Tags: commercial loan, Finance, Finance and Accounting, loans, Rebecca Button, small business loans, tips
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