FUND Your Business in 3 Simple Steps Through 7 Figures Funding

Looking to fund your business with the best funding guaranteed? Discover how to achieve it in three simple steps with 7 Figures Funding in this video! Don't miss out on this opportunity to grow or start your business.!



Fuel Your Dreams With The Best Funding Guaranteed! FREE Pre-Approval With No Impact On Your Credit! Qualify For The Best Funding Options To Grow Your Business Through Our Proven Funding Marketplace: Learn More! - GET STARTED!

Startup Funding For New Or Established Businesses!

Starting a new business requires much more than just a good idea and start up funding. The business has to be carefully planned. The most important thing you can do to prepare for starting and operating your own business is to develop a business plan. This can take time and energy, but it forces you to really solidify your business idea.

You can carefully plot exactly what your business, financial and expansion goals are. And this will help you progress in all other areas of starting your business as well. Without funding for startup costs, many successful businesses would never have been able to even open their doors.

Once you’ve done this, you will realize the significance of start up funding. Rarely does an individual have the savings or personal resources to put a business plan into action completely on their own. Often, even when one thinks this is the case, deeper development and planning dissuades this initial thought. Funding can be a rather involved subject, filling shelves upon shelves of books at libraries and bookstores.

The truth is though, you don’t need a how-to book to get good funding. You simply need a good lender. Being able to determine once is what really counts. A dependable lender is registered with the Better Business Bureau, and will have accessible experts that can walk you through the process and help you feel confident about your decisions.

Going to the wrong source for start up funding can make starting your own business seem like a nightmare. But go to the right one, and you’ll find that obtaining funding can be the easiest part. You can get funding for your startup costs with ease and convenience.

How to Get a $50,000 MicroLoan from SBA

SBA Loans for Startups

Get Your Free Business Credit Scores & Reports

Strong business credit scores can be key to getting your company approved for trade credit and financing. But they can be very different than personal credit scores. Understand how they work and how to build strong business credit.

What is a Business Credit Score?
Personal credit scores rank creditworthiness of individuals, business credit scores do the same for businesses. Personal credit scores range from 300 to 850. Business credit scores range from 0 to 100. Major business credit reporting agencies Dun & Bradstreet, Experian, and Equifax produce business credit scores and reports. FICO scores for small businesses are known as “FICO SBSS.”

How can I get free business credit scores? As a consumer, you probably have a few different sources for your free credit reports and scores (we found 150+ places you can get your scores for free). But free business credit reports are another story. Many business credit reporting agencies require you to pay to review the information they have on your business. Business owners can, however, access information about their Dun & Bradstreet, Experian and Equifax business credit reports with free Nav account. A free Nav account provides business credit grades for each score as well as summary reports, your personal credit score from Experian, and free tools to help you build strong business credit. (No credit card required.)

Get Your Free Personal & Business Credit Scores! Ready to see your credit data and start building better business credit? Check Your Personal and Business Credit For Free (No Credit Card Required). GET Started! - Click Here!

Business Credit Cards for Startups: How to Choose the Right Startup Busi...

Learn about the advantages of business credit cards for startups. And avoid pitfalls! Business credit cards can be a great option to help grow your startup! Get matched to business credit cards and receive Free business & personal credit scores, when you sign up for a free Nav account, checking won't hurt your credit scores! - Click Here!

How to Get a Business Loan Even With Credit Issue

Discover business financing, startup funding and line of credit options you never knew you had with alternative lenders and investors. Get EIN business credit not linked to your ssn with no ssn or personal guaranty required. Complete Your Finance Blueprint Qualifier Today! It’s free and won’t affect your credit score. Get Started! - Click Here!

What Are Signature Loans and Should You Use Them?

Signature loans are also often called good faith loans, and they are typically available through banks and finance companies. You do not need to have any collateral. Instead, you are borrowing based on your signature and your promise to pay back the loan. This is an unsecured personal loan that will have set terms to let you know when the loan needs to be paid back in full, and what the fixed monthly payments will be. Typically, these types of loans will have fixed interest rates, and those rates will vary based on a person’s credit score.

1. What Does It Take to Qualify for a Signature Loan?
If you would like to get one of these types of loans, you should first know that you will need to have both good credit and a verifiable, stable income. This will help to show you as less of a risk to the lender, and it ensures that you will have the means through which you can pay the loan back when the time comes. In some cases, those who have less than stellar credit could still qualify for one of these types of loans, as long as they have a cosigner. These cosigners will have to sign an agreement that will make them responsible for paying back the loan if you are unable to pay it on your own.

2. Who Might Want to Get a Signature Loan?
With this type of loan, the money you receive can be used for just about anything you might need or want. In some cases, people may wish to get one of these loans as a way to consolidate their debt. It can allow them to save money and pay less in interest. However, there are many other ways that the loans could be used. They might be used to make a major purchase, such as a vehicle. They could be used for making home improvements if you are unable to get a home equity loan, and they could be used for any unexpected expenses that crop up. You could even use them to help pay for a wedding or a vacation. Once you have the money, it is yours to do with as you please.

These types of loans tend to be very fast, and you will not need to have any collateral when applying for the loan. They tend to have shorter terms, and they can provide you with the money you need conveniently.

Can People with Bad Credit Really Get a Personal Loan?

Personal loans come in 2 different types: A secure loan, and an unsecured loan. The secured loan is one that requires collateral from the borrower, such as a house or car. If you have bad credit, you can still get a loan as long as you have something of value to offer as collateral. If you have bad credit and no collateral, it’s a bit harder to get a personal loan, but isn’t impossible.

As the economy is so desolate right now, a lot of financial institutions are offering bad credit loans. These are personal loans for people with no collateral and that also have a bad credit rating. They can be used to pay off debts, home construction, medical bills, vehicle repairs, or catching up on things you owe.

If you need a bad credit personal loan, you may want to try your bank or credit union first. Usually, these financial institutions don’t offer these types of loans. But it’s always good to start with the place you have built a relationship with.

Your next stop should be the Internet. When you start searching there, you’ll find that there are thousands of choices for you. Just by clicking your mouse you can get quotes, rates, and terms of numerous and varied loan types.

You do need to be careful, though, because all bad credit personal loans are different, just as the companies are that offer them. Searching for a lender online gives you the chance to thoroughly investigate each option before committing to just one. Be careful that you don’t run into a scam because there are many out there, not to mention the potential for identity theft.

Verify everything about a lender before starting the process. Make sure there’s a valid physical address. Also, call the phone number and speak to a customer service representative. The Better Business Bureau will alert you to any complaints a company has filed against it.

If you have poor credit and no collateral, your interest rate will probably be pretty high. Your loan paperwork should clearly explain your fees and rate. Be clear about when your payments are due and read all fine print before signing anything.

How to Select Right Personal Loan

Personal Loan offers financial help when you are in need of money. However, before applying for personal loan one should remember that there are different types of personal loan as a result some loans suit your requirement in a better way than others. Some loans are attractive on the basis of repayment terms and flexibility while other has less interest rate.

One of the essential things to consider before taking personal loan is lender’s reputation. Most of the time borrowers are badly in need of money so they hardly take any further step to check whether lender is genuine or not. However this kind of negligence can lead to regression in this long term transaction. Foremost thing to do is understand the difference between different types of personal loans.

There are mainly two types of Personal Loans

Secured Personal Loans

A secured loan is a type of loan which considers collateral before giving out the loan. This collateral can be anything such as vehicle or any personal property. Incase if borrower takes secured loan and is not able to repay back the loan amount then lender can take away the collateral.

Unsecured Personal Loans

The unsecured loan is a type of loan which doesn’t require any collateral to get the loan. Usually this kind of personal loan is given to individuals having good credit history. As having good credit history can be considered as good repaying capacity.

Get personal loan at the best personal loan interest rates. Choose the right bank/institution, get the best rate, coordinate the documentation process and ensure the funds reach you in the quickest possible time thus helping you to fulfill your personal needs in proper time. You can use the personal loan calculator to calculate your EMIs.

The personal loan condition can vary between 1 to 5 years. Thus term of your personal loan will depend on bank or financial institution you are borrowing from as well as your loan amount. It is important to understand the loan conditions before accepting the money.

Although paying your loan off over a longer period of time can reduce the amount of your monthly installments but you will end up paying more money in the form of interest. Keep this in mind and borrow only the exact amount that you need as you can pay it back swiftly. Also take care to set your budget in such a way that you can afford to keep monthly loan amount aside and still manage your daily expenses.

The Benefits of a Business Cash Advance For Startup Funding

Unfortunately, in today’s economic environment many business owners can no longer count on traditional sources of financing, such as a bank loan, credit card, or home equity loan. Whether it is due to a lack of collateral or meeting the bank’s credit requirements, traditional sources have become more restricted over the past couple of years.

This has resulted in a surge of alternative financing programs geared to meet the needs of small to medium sized businesses operating in the U.S. Programs such as accounts receivable financing, crowd funding, vendor lines of credit, merchant cards, and seller financing make it possible to obtain the capital needed to grow a startup business. The purpose of this post is to share with you the business cash advance program as a viable alternative start up funding option.

This program is a cost-effective way to obtain the immediate cash you need, without having to wait weeks on end for an answer from a lender. A business cash advance is similar to a loan because your company will receive the funding it needs and the money will need to be paid back. However, there are several distinct differences that make this program very attractive. For example, a business cash advance does not require the following: Collateral Formal business plan Financial statement Shares in equity ownership Disclosure of business assets Fixed payment schedules or due dates Additionally, you are not faced with costly interest rates, upfront costs, closing costs, or late fees that are pretty standard with traditional loans.

The amount of cash which can be advanced to your business is based upon the cash flow from your monthly credit card sales. In order to qualify many cash advance companies require that you process a minimum of $1,500 in credit card sales per month, and be in business for at least one year. You also must provide 3 months of sales records, so let’s say your company currently processes $5,000 per month on average. With those numbers you can expect to get pre-approved for approximately $6,250 and have funds in as little as 10 days with some programs.

Paying back a cash advance is simple because it is repaid through future credit card sales as they are processed through your company’s merchant account. The cash advance company will automatically deduct a small percentage of your monthly credit card sales. There are no payment schedules to worry about because all payments are automatic. This makes a business cash advance an excellent alternative to traditional funding programs. With no personal guarantees, personal credit checks, or collateral requirements, a business cash advance may be just what your company needs. Best of all, once you establish a relationship with a provider; future cash advances are readily available throughout the life of your business.

How can I use equipment financing to build my business credit report?

Whenever you make a purchase no matter how big or small, you should always consider how it may help you improve your business fundability. If you fail to recognize opportunities that come up you are shortchanging yourself and hurting your ability to get future loans or credit. The Many Benefits of Equipment Financing Improving your credit score is only one of the benefits of financing equipment for your business whether it is everyday office equipment or heavy backhoes and utility vehicles. You can depreciate the cost of the equipment as you pay for it, use it for collateral against new loans in the future and end up paying far less than leases on similar equipment.

Those benefits can increase your business' financial stability on their own, but the single most important thing large-scale purchases do is improve your business fundability by creating better credit scores. Of course, that's only true if you keep your accounts in good standing. There are many tips for improving your business credit on http://www.businessfundability.com, but keeping your equipment financing accounts in good standing is a simple procedure. • Make your monthly payment on time • Don't over-extend yourself on equipment loans These two simple steps are easy to do if you keep them at the front of your mind at all times.

If you are having cash problems, using equipment loans can help you get what you need without over-taxing your company's liquid assets. How Equipment Financing Differs from other Loans When you get an equipment loan it will have a different payment structure than a common personal loan, or regular business loan. Banks know that equipment depreciates quickly at the beginning, and will lose a lot of its value in the first few years. Therefore, payments on equipment loans will be larger in the beginning of the loan to keep the equity value in line with the loan value. It takes very good credit ratings to obtain equipment loans due to the nature of their payments. You will also have to prove you can afford the hefty early payments. Before you apply for any equipment loans make sure you have done all you can to establish strong business fundability and have all of your records in order to show your ability to pay the note.

Unsecured Business - Easy qualify Up To $250,000

Business Financing - finding the funding you need

Business financing sources are not in short supply but finding the right one can be a daunting task. We help make that task much easier. In order to assist you in your search for business finance firms, we have categorized the lending and investing criteria of funding sources in a variety of areas:

• Commercial finance
• Equipment leasing
• Government loans
• Venture capital
• Commercial real estate
• Angel investors
• Start-up financing
• Invoice factoring
• Purchase order advances
• Asset sale leasebacks

Access to sources of capital for your business is fast and easy. Your request will be matched against those business finance firms offering what you are requesting and those to which your funding need may also apply.

Here is how easy it is to fund your business:

First, you can search for your matched available funding programs for free, without having to give any personal or contact information. Provide only general business information, such as:

• The date the business started, current revenue, your industry ...
• How much money do you need for: cash, equipment, buildings ...

Then, we show your available funding programs and you select the ones that may be right for you. It is that easy. Since 1995 we have helped over 200,000 businesses in their search for capital. We want to help you too!

Click here to find funding for: Business Financing

Business Loans for Bad Credit... How to Get Money for Your Business

Obtaining Business Credit Cards, Its Harder Than You Think

Most small business owners believe that obtaining a business credit card is as easy as having good FICO scores and applying online. In some cases they are correct, but in most cases they are very wrong.

Applying for business credit cards without knowing what you are doing can damage your personal credit, get you declined, and make it impossible to get approval at other institutions for 6 months to a year. Why is that?

Currently there are about 30 banks and credit unions that are actively involved in issuing business credit cards. Each of these lenders has a different set of guidelines for approval, but there are a few underwriting items that hold true for almost all of them.

The first is debt utilization. These lenders want to see that your current debt utilization for all existing revolving accounts is less than 40% current account balances to your maximum approval limits. In simple terms, if you have $10,000 in total limits from 3 credit cards, they want to see that no more than 40% of $4,000 has currently been used. If your debt utilization is greater than 40% you will most likely be declined.

Second is do they have a personal relationship with you. Let’s face the facts, all these credit card providers want your personal business because that is where the higher limits are and that is where you are more likely to use the cards more often.  While some of these lenders will approve you for a business credit card, your approval limit will be much lower than if you already have a personal credit account with them.

Chase for example provides excellent terms and credit approvals for their personal credit cards. Once those are approved you can wait just 48 hours and apply for the business credit cards for which you are likely to see approval limits of double what you might have received without having the personal cards first. So the funny thing is that if you applied for just the business card you might have received an $8,000 approval. But by applying for the personal cards first you may have gotten approved for a total of $25,000 or more there and then the business approval comes in at $16,000 or more. Therefore instead of only $8,000 you may have obtained $40,000 in approvals from the same financial institution. All of which could be used towards supporting your business.

The bottom line is that applying for credit cards in general, for use in your business, is a very detailed process with a lot of moving parts. There is far more to it than simply FICO scores and online applications. What you as a consumer most likely do not know is that the first part of the approval process is all automated and completed computer to computer. You apply online via your computer and their computers start checking many other computers to determine the automated approval or decline decision and assign the credit limits based solely on what gets returned from those other computers. If you are a normal consumer once that happens you are done.

But the process is actually very far from being done. The next step is what is called the credit reconsideration lines. These allow you to connect with a live person and request that a live underwriter review your account to determine if the assigned credit limits can be increased. As with any live process, the underwriter will want to know why and what the increases will be used for. If you know the proper answers then many times credit limits can be increased manually from 25% up to 100%. We have even seen declines reversed for up to $20,000 in approvals. Most consumers have no idea these live person reconsideration lines exist and even if you did, you would have no clue as to how to most effectively utilize them.

Many lenders specializes in the placement of Unsecured Business Financing or UBF. Here we work with over 30 different banks and credit unions to maximize your approval limit opportunities.  The average per principle funding approval amount has been $108,000. The approvals are available to any business, startup or established does not matter. The approvals are based on the principal(s) of the business and not on the business itself, therefore if the business has four (4) principals it may be possible to obtain $400,000 in financing.

The process of finding out if you pre-qualify is a simple as contacting them to find out. There are no upfront fees and your only payment for the success in funding obtained on your behalf can be paid from the new credit lines that have been obtained for you so there is absolutely no risk to you and nothing to lose.

How to Get Business Credit Without a Personal Guarantee

Start Up Business Loans - Help for Your Business

Nowadays there are a variety of young entrepreneurs entering the financial field. They may not be able to flourish because as they are young they do not have a deep capital base. For such reasons start up business loans are designed.

These credits can be applied for by a business that is still on its training wheels. There are various needs in a business that require money for its fulfillment. Such as; purchase of machinery, tools and other supplies. They person who applied for these finances Can use them any way he chooses.

Start up business loans are offered to those who people who are running a legal business. The finance is granted only to a registered organization. The lender before granting the advance checks the profitability of the proposal he is to finance. If he does not think this endeavor to be profitable, he does not lend the credit.

These credits are generally unsecured as the business is fairly new. They may not any assets which can be pledged against the loaned amount. Thus the rate of interest rate charged is high. If the applicant is willing to pledge some security against the amount loaned to him, he can avail of more amount of money at a higher rate. The lender is safe in an unsecured loan, as if the borrower defaults in repayment, he can sell the asset and recover the money. He faces no risk in this kind of transaction. The amount granted ranges from £5000 - £5, 00,000 for a period of 5- 25 years.

These advances can also be applied for online. This mode is preferred by a number of people. This mode of application is free of cost. The borrower is only required to fill a simple application form giving details of his name, address and contact number. The entrepreneur is also required to have a valid current account and debit card.

Basics of Startup Business Loans

You have heard and are convinced that the best way to make money is to start your own business. Besides, you have this great business idea that will rake in the money in fistfuls. However, you need more money as capital than you have saved up for this. You have a few options before you. You can either sell equity in your new company to obtain finance or apply for startup business loans.

The Equity Route
If you chose the equity route, you need to share control of your business with your investors. This prevents you from having a free hand and slows down decision making - something that can affect the profitability of your enterprise. Moreover, you have to share your profits with the investors.

Startup Business Loans
You can also decide to obtain loans to help finance your startup. However, this is easier said than done. Most banks consider startup business loans as high-risk loans. This is because many businesses fail within a few years. Bankers consider small business loans for start ups as personal loans. So if your credit history is good, you have a fair chance of obtaining the loan.

You other option is to obtain the equipment you need on lease from finance companies. Since they retain a lien on the equipment, the interest rates are low and your credit history need not be very good.

Preparedness
Whether you choose to obtain a startup business loan or finance from a leasing company, you need to be prepared to answer all their questions. Have the proper documents such as your company's business ID as well as your business plan all ready. Financial documents that you need will include bank statements for the past three years in case yours is an existing business and potential opening day receipts in the case of a new business. Be clear in your mind about the nature of your business and provide convincing reasons why you think that your business will be profitable.

Bad Credit
Even if your credit history is not so good, you can obtain credit to run your startup. However, you need to keep in mind that obtaining bad credit startup loans is tougher. You have to go the extra mile to convince potential creditors of your business idea. As banks might not be in favor of lending to you, you need to approach the small business administration for getting credit business loans.

Minority and Women Run Businesses
In addition, if you are a member of a minority group or a woman, then you qualify for certain startup business loans. For this, the first step you need to take is get your business certified as owned by a person belonging to a minority group or a woman. Once you complete this step, obtaining a loan for your startup is easy.

The best way to obtain startup business loans is to convince potential creditors of your commitment to the idea and the financial viability of your business plan.

Online Lenders Seeking Bad Credit Borrowers For Christmas Loans

Just in time for Christmas, online lenders are seeking out borrowers with of all credit types, including bad credit, no credit, slow credit, bankruptcy, divorce, and more for Christmas loans. Thousands of borrowers are being approved right now for the Christmas cash they need to make this holiday season a special and memorable time for their families, and you can get your Christmas loan now, regardless of your past credit performance.

Your Bad Credit Does Not Matter To These Lenders

Why are online lenders eager for your business? Online lenders are developing a reputation for helping good, hard-working, honest people like yourself rebuild their credit files and move beyond the pasts that they have made in the past. Bad credit can happen to anyone, especially if you have experienced job loss due to layoff, illness, or injury. With the economy in such a horrid shape, many borrowers have found their credit scores falling because of a few missed payments. These online lenders are willing to extend credit to you now in order for your Christmas to be the best ever.

Avoid Stuffy Bankers

Additionally, online lenders have greater approval rates than traditional banking facilities because they have more money to loan! The small bank in your hometown does not have the working capital that large internet-based lenders can offer, and thus are willing to take fewer risks than online lenders do. With a credit score below 650, you can basically kiss your chances of getting a loan at a regular brick and mortar bank goodbye. They typically deal only with those who have pristine credit. Not the case with online lenders - they are actually seeking out borrowers with bad credit!

Up To $5,000 Available Now

You can use your bad credit Christmas loan to purchase the gifts that your family wants and needs, as well as pay for food and dining expenses, entertainment, travel, and much, much more. Bad credit borrowers can borrow as much as $5,000 from online lenders to make the holiday brighter.

You can choose from two loan types when you take out your Christmas loan for bad credit, the secured or unsecured. The secured loan will require you to pledge collateral to obtain your needed funding, but the unsecured will not. The secured bad credit Christmas loan has an advantage over the unsecured, however, in that you will not be charged as much in terms of interest, on the money that you borrow. Whichever loan type you choose, be certain to not borrow more money than you can afford to repay. Ideally, you should want to repay your Christmas loan within twelve months in the event that you need to borrow again next Christmas.

To apply for your bad credit Christmas loan, you will simply visit the secure website that has been established by your lender. From there, you can fill out a completely paperless application which is available 24 hours a day, seven days a week. You can be approved in a matter of minutes once you have completed your application, and have your Christmas cash deposited into your banking account via an electronic funds transfer.

Making it through tough times with Small Business Lending

A business line of credit is a very important tool for a small business owner to utilize as per need. No one can deny the fact that with an increase in your business operations and the number of clients that you serve in a single time, your need for more funds will also grow and in this case the best solution is to go for small business lending. A business line of credit will help you maintain the cash flow you require to meet all the short term cash needs of your business or organization. Often at times there is need for cash to meet the growing inventory concerns or dealing with cash issues that arise seasonally. When you come to think of it, your business might require a sudden influx of cash at any time or you might just end up missing out an opportunity of a lifetime.

A business line of credit will help a business or organization to stay in business. It helps continue the operations of the business which are vital to different clients and customers. When you opt to go for small business lending, it instills confidence in your large customer database that your business is running smoothly and that everything is in order. It also shows the customers that your business has the confidence of financial institutes and banks.

You might find it hard to get someone to finance small business lending for you if your business is relatively new in the industry or if it has just started out. The fact is that banks and other financial institutes are usually inclined to giving loans to those companies that are well placed in the industry and those that have been running for a long time. Companies that are in the early days of their business will have a hard time looking for a business line of credit. The survival rate of most business companies that are just starting out in the industry is not flattering at all. In fact most companies and businesses flop because they don't have the required funding and cash flow to help them make through the difficulties and tough times of the starting few years.

If your business is not more than two years old you will have to provide personal guarantees to banks or some kind of other collateral or co-signed agreement. This basically gives a confirmation to the bank that their money is safe regardless of whether the business is able to sustain itself or not. This also gives the banks confidence about the future of the business since the owners and other shareholders give their personal guarantees and invest their personal assets into it like a house or a car etc.

About Author: 50k guaranteed provides small business financing and small business lending that help growing any business without any effect of personal credit report of business debt.