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Using Small Business Finance Software – Is Like Shooting Hoops

I really love helping business owners with their business finances who use our small business finance software. So I spend the majority of my days sitting at my desk working on the computer and phone. It seems that the work never ends. There are hundreds of thousands of small business owners out there who need help on their finance lines.

The sedentary working life isn’t good for my health, so Brian, my Chief Operating Officer and I like to get out and get some exercise. It makes us feel better and clears our heads; and that makes us more efficient when we are at our desks.

Yesterday it was cold in Florida, so instead of going for a long walk outside, Brian wanted to go to the gym and shoot hoops on the basketball court instead. Okay, I was game for something new, so I decided I’d go along and learn to shoot hoops and get my workout that way.

First thing I had to learn was how to hold the basketball and the basic technique of flipping my wrist to propel the ball up and toward the hoop. Once I had that down it was learning about where to look when I was shooting the ball so it would go through the hoop.

I quickly realized that if I aimed dead center at the rim of the hoop that I could be a little off to the left or right with my shot and it would still go through the hoop. Then it became – how much energy I put into shooting the ball. Too little and the ball would not get up and over the rim. Too much and it would bounce off the backboard or just fly over the hoop.

I started thinking about our small business finance software that we sell to small business owners to increase their income in relation to shooting hoops. Once you have the basic small business finance fundamentals down you can make the basket [get the customer sale] almost every time and control your business money at the same time. With our small business finance software it is very easy. And to make it even easier, I do webinars from time to time to show you how easy it to implement this finance software for the business owner. Find out more about these webinars by visiting the site in the resource box at the bottom of this article.

Aiming and planning for the correct income target, and using the power of the finance software and promoting gets you the win of more sales almost every time. Tweaking the aim of your promotional efforts with the right message to the right audience captures the customer. The incorrect message to the right customer can bounce right off the backboard and get you nothing in return.

With some recent changes at Google, we have put together an internet marketing package to make our services even better for small business finances– but that is another story for another article – coming soon.

For more information about how this all works, visit my site shown in the resource box at the bottom of this article. Or feel free to call us at 727-448-1011. We are all about helping the small business owner worldwide, whom we consider the backbone of any country’s economy!

With the emergence of cloud computing coupled with software as a service (SaaS), Web 2.0, and the proliferation of advancedwireless technologies and mobile devices,small businesses today are able to access a wealth of powerful and affordable technology solutions like never before. Moreover, those small businesses that are willing and ready to bring this technology into their operations are beginning to realize that they can even outrun and outsmart their big business competitors. 

But with all this hoopla, it may become difficult for small businessowners to sort out which equipment and applications are necessary, and which are not (or at least not for right now). Knowing how, if, and when, to bring in new technology is essential to the health of your business and can noticeably impact your bottom line. Here are a few things to consider before acquiring any new equipment or software for your company. 

Why are you looking for this technology? First you need to define what you want to change or improve in your business. Depending on your needs, you may decide to hold off acquiring new technology if a viable, cheaper alternative exists. For example, many software applicationshave free open source equivalents that may suit the needs of your company. 

What are the estimated costs of not upgrading to newer technologies? Knowing this information is important when deciding the right time to bring new technology in to your small business. When the costs of not upgrading, such as a decrease in productivity or lost potential sales, is greater than the cost of the new equipment orapplications, then it is time to change your system. 

Factor in all the costs associated with revamping your operations. Consider all the costs that are indirectly related to acquiring new technology. Is there training involved? Do you need to make any renovations to support the new equipment? Will the equipment that you acquire need advanced software applications? 

What are your expected needs in the future? How do you anticipate using the technology in the future? Is your business currently growing or changing in some way? Before purchasing any equipment, make sure it will be able to handle any grow or operational changes. 

What is your available budget? Obviously, having the most cutting edge equipment will mean nothing if buying it will leave you bankrupt. If your cash flow is tight, then look into your options. Either you can compromise on the quality of the equipment or put off getting completely new technology in favor of enhancing your current system. Alternatively, you could consider leasing your equipment instead of purchasing it outright. If leasing is not possible then consider small business loan financing. 

In short, many factors must be considered before bringing in any new technology that will change the way your small business operates. Do your research in order to get the right fit for your business. 

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Starting up and running a small business is not something that can be decided on a limb. It takes time to properly draft an effective and practical plan that covers many of the fundamentals such as start-up costs, proposals, and financial exit strategies. However once that is accomplished, the benefits completely outweigh the disadvantages of taking that extra time. The beauty of having a plan is that it can change at any point in time. This is especially important for owners because things change at different points in time particularly where business financing is concerned. One question that comes up very often with small business finance is that of when to start getting a little help from the bank. Here is some general advice on when to consider a loan.

- You Are Increasing

You opened with your product or your service and now you need to buy equipment in order to cope with the demand.

You started off and your customer base has grown to the point where you are looking at expanding your building. When you are taking out a loan to help pave the way for greater opportunities, you are making the right decision. Not just because you’re setting yourself up to make more money, but because you’re most likely going to be able to pay it back. This requires a bit of forecasting, but it is certainly more than possible to put together a reasonable strategy.

- Relocating

You’ve outgrown your old building, the income and customers are still steady but its cheaper to just move to a new building, you want to add an extra store. Whatever the reason for changing buildings, the key is that it is because you are growing. If you need a loan to put a down payment down on the new building or something to that effect, it is a good idea for you to at least begin to consider small business loans.

- Upfront Costs Are Required

This does not mean upfront costs in the sense of monthly rent or daily operations- you should never take out a loan for those reasons.

However if you are looking at serious renovations or at upgrading your current equipment there are often upfront costs that you may not be able to afford all at once. As long as you are careful with your accounting and you have some idea of what your finances are going to be looking like for the duration of the loan, consult with your financial advisers but don’t hesitate to get a loan if the opportunity is there and the reasoning is sound.

Taking out a loan is a decision that is never taken lightly when it is just individuals involved, but when you are considering small business loans there are good and bad reasons for going through with it. If you are planning to use the money to cover bills and the like, there are more serious problems that need to be addressed. However if you are looking for ways to manage small business finance through loans, some good reasons are if your company is increasing, you are relocating, or if there are upfront costs that will need to be covered. The key is to make sure that you take the money because things are going well. That way you can rest assured that the money will be paid back to the bank.

News about business and finance in the US and around the world presented in Special English

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Traditionally, business owners flock to banks when they needed business financing. However, the majority fail to get the business loan because they did not meet the bank’s tough lending standards.

As a rule, banks require that you have an extensive and solid business plan and countless financial projections. And if you are already in business, the bank will need three years of profitable operations before they’ll consider lending you the money.

But don’t be discouraged. If you own a business that is in operation you may have another option. This option is called invoice factoring.

But invoice factoring is not for everyone. It can only be used by businesses that are already in operation and sell to commercial or government customers. However, if you qualify, invoice factoring can be a lifesaver.

If you are like most business owners, waiting 45 to 60 days to get paid by your clients can be pretty hard. Especially because you still have to pay rent, suppliers and salaries while you wait to get paid. Factoring can eliminate the wait and get you paid in little as 2 days. This gives you the necessary liquidity to pay suppliers, rent and salaries. More importantly, it gives you the liquidity to grow your business.

Factoring works well with software companies, manufacturers, distributors, staffing agencies, trucking companies and many other businesses. If your business needs financing, and you work with reliable clients, be sure to consider invoice factoring as your financial solution. They wait to get paid by your customer while you get paid up front. As opposed to business loans, invoice factoring is easy to obtain. The biggest requirement is that you do business with reputable clients.

So, you must be careful in every decision you make because it might fall to the downfall of your business and thus you must study carfefully if you plan to make a small business.

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The good news: Most manufacturing companies expect growth opportunities in the coming 12 months. According to the 2010 CFO Outlook, published by Bank of America, 69% of manufacturing company CFOs are considering financing in 2010, up significantly from last year. The top two reasons for small business financing are working capital and capital expenditures.

The bad news: Two years ago, getting six-figure traditional financing for a smaller manufacturing business was fairly straightforward. Today, it remains about as difficult as when the financial crisis first began to unfold. Banks are as reluctant as ever to finance small businesses, as they continue trying to limit their risk amid the economic turmoil. According to the FDIC, the volume of bank loans dropped in 2009 by 7.3 billion, or 7.5%, from 2008—the biggest full-year decline since World War II.

The result: Many small manufacturing companies are either struggling to stay afloat or finding it difficult to capitalize on upcoming commercial growth opportunities. According to the 2009 Year-End Economic Report published by the National Small Business Association, 39% of small businesses report they are unable to get adequate financing for their business. No doubt many of these are manufacturing companies.

So where should smaller manufacturing companies go to get the financing they need? The answer is to the most experienced and competitive private banks and alternative lending groups for small businesses.

Alternative Financing Options: Unlocking the value of your assets

If you’re a manufacturing company, there is simply no need to let your business be held hostage to the ongoing credit crisis. This is because there is already a well-developed market for alternative lending that can provide working capital for small businesses with assets. Loans can be secured against cash flow, accounts receivable, inventory, purchase orders, premises, machinery and equipment, and even the intellectual property associated with a brand or patent.

What many businesses don’t realize is the extent to which they can leverage their business assets to secure funding. Help for small business lending is not on the way: it’s already here. Alternative financing options can help many businesses get the backing they need when the banks say “No.” Best of all, this type of financing is now affordable. Loans from the most competitive private banks and small business lenders are priced at bank-like rates upwards, depending on the level of risk of the business being financed.

Securing traditional financing through banks and other financial organizations has now become highly challenging. As banks pull back more traditional commercial-and-industrial lending, they are no longer willing to lend even to small businesses with solid financials. Their security demands have also increased. This has pushed some companies to distress. It is preventing many others from taking advantage of commercial growth opportunities that lie ahead.

Unsurprisingly, businesses are increasingly turning to suitable private banks and other alternative lenders for small businesses. According to Bank of America Business Capital, 49% of manufacturing firms expect to use asset-based lines of credit in 2010, up from 42% last year. This type of alternative financing, once considered a last-resort option, is now regarded as a fundamental financing solution. Since alternative lenders in this space generally focus on collateral rather than credit-worthiness, they are able to do deals that more traditional lenders shy away from.

Getting the financing you need

When times are difficult, unlocking the inherent value of your assets, especially intangible assets, is attractive. Today, small business financing is affordable, offers flexible loan structures, and can provide the borrowing power that cash-flow lending alone may no longer be able to supply. At US Capital Partners, for instance, businesses can borrow money using their liquid, current assets or their fixed assets as collateral. Our small business loans are priced competitively with cash-flow loans, and come with fewer financial covenants. They can be used to secure working capital, but also to finance growth or acquisitions.

Getting the right financing can make all the difference for a small manufacturing business. Earlier this year, US Capital Partners arranged and co-loaned a .5 million senior secured credit facility for Consensus Orthopedics, a medical artificial joint implant manufacturer and distributor. The new credit facility included a revolving line of credit for both domestic and international assets along with a growth capital term loan to support the company’s continued domestic and international expansion.

It is important that your small business lender is able to provide you with service that matches your company’s specific needs to appropriately priced capital. It can also be helpful and cost-effective to work with a firm that not only arranges asset-based financing for small businesses, but is also able to offer funding—especially in situations where they can provide additional sources of capital from their own fund to “fill the gap” in your required capital.

If your manufacturing company is struggling to stay afloat or finding it difficult to capitalize on upcoming commercial growth opportunities, know that there is new and affordable financing available despite these tough times for small business lending.

If you would like to know more about how your business can secure the funding it needs, visit http://www.uscapitalpartners.net or call (415) 882-7160.

Individual Finances

There are so many business owners who will individually and single-handedly provide the money that is needed by their businesses. The sources of such type of capital may spring from their personal savings and other forms of capital which solely belong to them. However, these sources of finances are really workable if the business owner has substantially built up a good amount of money. If the capital is in the form of assets, it will be easy to dispose these to get some cash for the running of the business. If you intend to make use of capital through the credit card as a means of financing your business, you must take some reasonable precautions. You must be aware that this source of capital is usually best for interim financial provisions.

Angel Financing

This is yet another good way to oil the machinery of your business. When we make reference to this type of financing, we are referring to that type of financing that is often provided to new businesses. This is commonly found in the United States and most upcoming markets. In this type of financing, a group of affiliates belonging to the informal risk sector combine their resources to finance a business. What is usually done is that a business suggestion is proposed to a business owner and if the business owner finds the suggestion interesting, he will be given the option to get the business financed by the group of financiers. This group will also have the option to ether finance the business and take part in running its daily affairs or to stay aloof from the day to day running of the business.

Venture Capital

This is another way of making finances available to a business. In such a case, the business owner will approach a proficient financier and this must be a financier will is willing and capable to venture his or her money into businesses that are not only at the inception, but equally to businesses that have future prospects of expansion. Another form of financing related to this is the corporate venture capital. This is an idea often used by corporations to endow capital in some relatively young but vibrant businesses that may have some relation with these big corporations.

Credit from Banks

This is a source of finance that is commonly sought for. In most cases, either secured or unsecured loans may be provided to business owners. However, lending institutions will warrant that you provide some form of credit worthiness which will have to be carefully scrutinized ahead of making a decision if the loan will be given or not. It is sometimes easier for an unsecured loan to be given to experienced or well established businesses than new ones. But a secured loan will be provided for all types of businesses.

If You Want To Get The Financing You Are Seeking For:

Make sure you find out what the financing is all about, opt for a proficient group, set an objective, make sure your business is properly registered, investigate what type of financing will be suitable for your business and make sure that you have established the necessary connections.

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Develop a business plan and loan package that has a well developed strategic plan, which in turn relates to realistic and believable financials.  Before you can finance a business, a project, an expansion or an acquisition, you must develop precisely what your finance needs are.
Finance your business from a position of strength.  As a business owner you show your confidence in the business by investing up to ten percent of your finance needs from your own coffers.  The remaining twenty to thirty percent of your cash needs can come from private investors or venture capital.  Remember, sweat equity is expected, but it is not a replacement for cash.

Depending on the valuation of your business and the risk involved, the private equity component will want on average a thirty to forty percent equity stake in your company for three to five years.  Giving up this equity position in your company, yet maintaining clear majority ownership, will give you leverage in the remaining sixty percent of your finance needs.               
The remaining finance can come in the form of long term debt, short term working capital, equipment finance and inventory finance.  By having a strong cash position in your company, a variety of lenders will be available to you.  It is advisable to hire an experienced commercial loan broker to do the finance “shopping” for you and present you with a variety of options.  It is important at this juncture that you obtain finance that fits your business needs and structures, instead of trying to force your structure into a financial instrument not ideally suited for your operations.     

Having a strong cash position in your company, the additional debt financing will not put an undue strain on your cash flow.  Sixty percent debt is a healthy. Debt finance can come in the form of unsecured finance, such as short-term debt, line of credit financing and long term debt.  Unsecured debt is typically called cash flow finance and requires credit worthiness.  Debt finance can also come in the form of secured or asset based finance, which can include accounts receivable, inventory, equipment, real estate, personal assets, letter of credit, and government guaranteed finance.  A customized mix of unsecured and secured debt, designed specifically around your company’s financial needs, is the advantage of having a strong cash position.
The cash flow statement is an important financial in tracking the effects of certain types of finance.  It is critical to have a firm handle on your monthly cash flow, along with the control and planning structure of a financial budget, to successfully plan and monitor your company’s finance.

Your finance plan is a result and part of your strategic planning process.  You need to be careful in matching your cash needs with your cash goals.  Using short term capital for long term growth and vice versa is a no-no.  Violating the matching rule can bring about high risk levels in the interest rate, re-finance possibilities and operational independence. Some deviation from this age old rule is permissible. For instance, if you have a long term need for working capital, then a permanent capital need may be warranted.  Another good finance strategy is having contingency capital on hand for freeing up your working capital needs and providing maximum flexibility.  For example, you can use a line of credit to get  into an opportunity that quickly arises and then arrange for cheaper, better suited, long term finance subsequently, planning all of this upfront with a lender.

Unfortunately finance is not typically addressed until a company is in crisis.  Plan ahead with an effective business plan and loan package.  Equity finance does not stress cash flow as debt can and gives lenders confidence to do business with your company.  Good financial structuring reduces the costs of capital and the finance risks. Consider using a business consultant, finance professional or loan broker to help you with your finance plan.

According to the Small Business Administration, companies that can qualify for the 7a SBA loan must meet certain small business size standards. These standards vary greatly by industry, but the general rules of thumb are as follows:

Farming businesses must not have revenues exceeding 0,000
Building contractors can have a maximum revenue of ,000,000
Retail and service businesses can have maximum revenue of ,000,000
Heavy construction trades and industries have maximum revenues of ,500,000.

Additionally, there are headcount tests regarding the number of people that work for your business. For wholesale trade industries, the maximum number of employees is 100 while manufacturing firms can have a maximum of 500 employees. However, these rules are not hard and steadfast. The SBA and its associated lenders understand that revenues can fluctuate as can the personnel summary of your firm. As such, it is imperative that you speak to you 7a SBA loan representative to determine whether or not your meet the standards discussed above. However, as many entrepreneurs seek to use this type of credit facility for starting a new business then the standards discussed above typically do not apply to your business. If your business becomes highly successful and requires additional capital then you may start to require traditional business loan financing rather than debt through programs like the SBA 7a Loan.

It should also be noted that based on inflation and industry trends, the Small Business Administration regularly reviews and updates its business eligibility standards based on revenues and personnel numbers of businesses across a number of different industries. If you are having trouble determining whether or not your existing business qualifies for a 7a SBA loan then you should speak directly to a SBA representative, your banker, or your accountant.

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The last two years have been a long road for those entrepreneurs seeking funds for small businesses. Many firms have seen their bank credit lines canceled or withdrawn in the face of tightening underwriting regulations and the reluctance of banks to lend despite the cheap money the government has made available.

The first best choice for any business is an SBA 7a loan. This is the most versatile loan that the SBA currently guarantees and is designed to meet a variety of business purposes. The new bill passed by Congress was designed to help the variety of these loans available by raising the government guarantee against default to 90% of the funded amount for many types of businesses. The unfortunate reality for many businesses is that many banks and non-bank lenders are not lending or approving loans, even with increased government support. Because the SBA does not actually make any loans, but only guarantees them against default, the end lending decision rests with the bank. The government cannot force them to make loans.

Businesses who are in need of replenishing their working capital or in need of getting a small business loan have largely been abandoned by traditional large banks. As confidence in the small business sector has waned, few lenders have the know-how to underwrite and effectively manage default risk in today’s uncertain environment. In some cases, credit unions have stepped in to fill the void with a more member-centric approach for those businesses that are in their member base. Usually, the rates and terms of these loans are extremely competitive in comparison to most of the sources of capital.

Another option for businesses is the merchant cash advance that is marketed by different payment processors as well as merchant cash advance companies. This option has the flexibility of being able to handle a variety of credit situations. This type of capital is not a true business loan, but rather, an ‘advance’ on future credit card receivables purchased at a discount to their actual value. An example would be a company “advancing” ,000 and collecting back 0,000 worth of credit card revenue. As you can see, the effective rate is 25%. Because cash advance loans are not regulated as true loans, there is usually no upward legal limit on the amount of interest they can collect, unlike a traditional business loan. In many cases, merchant cash companies will charge rates as high as 50% and require a company to switch their credit card processor.

Luckily, there are new cost effective and flexible options available for businesses that use credit cards, or operate on a cash basis, or a combination of both. While no one size fits all lending option that is perfect for every scenario, businesses should take the time to consult with an expert prior to making any move. Any type of business company finance is a lasting decision that can have permanent consequences, and should be taken with understanding and caution, even if the situation is urgent.

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