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Small Business: Improving SBA Loan Collateral Liquidations Would Increase Recoveries Reviews

Small Business: Improving SBA Loan Collateral Liquidations Would Increase Recoveries

Small Business: Improving SBA Loan Collateral Liquidations Would Increase Recoveries

Small Business: Improving SBA Loan Collateral Liquidations Would Increase Recoveries

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Sba Loans Made E-Z (Made E-Z Guides)

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Does your small business need a loan? SBA Loans Made E-Z, written by two professionals with years of experience in obtaining SBA loans for others, helps you understand the small business loan application process and to easily and inexpensively complete the necessary forms.

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The Complete Guide to VA Home Loans: A Guide for Service Members and Veterans on Using Veterans Affairs Loan Entitlements to Become Homeowners, Increase Equity, Minimize Debt, Earn Passive Income,

The Complete Guide to VA Home Loans: A Guide for Service Members and Veterans on Using Veterans Affairs Loan Entitlements to Become Homeowners, Increase Equity, Minimize Debt, Earn Passive Income,

The Complete Guide to VA Home Loans: A Guide for Service Members and Veterans on Using Veterans Affairs Loan Entitlements to Become Homeowners, Increase Equity, Minimize Debt, Earn Passive Income,

The VA Loan program has helped over 20-million service members and veterans become homeowners. Making this accomplishment even more impressive is the fact the VA Loan program has the lowest foreclosure rate of any major federal lending program. This is a testament to the success of the VA Loan Program. But more importantly, it is a testament to the quality and character of the individuals who earned these entitlements. No one deserves the opportunity to be a home-owner more than the men and wome

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SBI to increase its credit card business

The State Bank of India has said it is back to growing its credit card business after shrinking its card base by 16% and turning around the business. The bank is now targetting the upper-middle class with a Platinum Card that offers a wide range of benefits and has a low-entry barrier.

SBI Card, a 60:40 JV between SBI and GE Capital, was expected to turn around by March 2011 but has managed to turn in a profit in the quarter ended September 2010. The cards company had reported a loss of Rs 321 crore for 2008-09, which included a deferred tax asset write-off of Rs 135 crore on a total income of Rs 757 crore.

Despite the losses, SBI Cards’ pullback has been the least and it has been the fastest to rebound to the growth mode. “The whole industry had seen a 33% drop in the number of cards from 27-28 million to 18 million. Against this, the number for SBI Cards has come down from 3.1 million at its peak level in 2008 to around 2.6 million now,” said State Bank of India chairman OP Bhatt. The bank now plans to issue at least 40,000 cards every month.

But the key difference is that unlike in the past, when cards were sold by marketing agents at petrol pumps, they are now being sold largely to customers at bank branches.

The bank now aims to increase its customers in the high net worth segment, which is more profitable as it is more high-spending and less prone to defaults. The company plans to increase its customer base in the high net worth segment from 5% to over 50%. To achieve this goal, it’s offering a host of benefits with the Platinum Card. These include 10 cash points for every. 100 spent and up to three Kingfisher Airline return air tickets every year.

According to SBI Cards CEO Abhay Kumar Singh, the company has learnt from the industry’s excesses of 2007-08. “There is no mad rush for land grab or market share,” he said, adding that prudent decisions on issuing cards have helped bring down loan losses to single-digit levels.

“Acquiring customers through SBI online branches helps us know the customer far more than we can otherwise. That gives SBI Cards a better understanding of the customer preferences as well as helps us plan the product mix and customer value proposition,” said GE Capital president and CEO Anish Shah.

Mr Bhatt said he expects the central bank to maintain status quo or at best raise rates by 25 basis points in its half-yearly review of its monetary policy. He added that the central bank has a tough choice because even without RBI action, there was tightness in the money markets, but at the same time, inflation had not come down to comfortable levels.

Mr Bhatt said the year-on-year growth in credit for SBI was around 18% and scaling up advances to achieve 20%-plus levels would be tough. Although money markets were witnessing a shortfall in liquidity, the SBI chairman said the bank was comfortably placed. “There was a time when there was a shortage of liquidity. From there, we moved to a position when there was a liquidity overhang. Today, we are in a position where we are just right in terms of liquidity,” he said. He added that any decision on reviewing its lending rates would be based on how their costs of funds move.

SBI, which raised $ 1 billion through an issue of medium-term notes in the second quarter, is now looking at a fresh issue before the end of the year. Mr Bhatt said the bank has not yet finalised the size of its issue, but it was likely to be smaller than the $ 1-billion offering.

Working with a WRS Info India Pvt Ltd.

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Getting Minority Small Business Grant – How to Increase Your Odds

Getting grant money to finance a minority small business is simple today. This is because some minorities can get special privileges from the United States government – especially when it comes to grants. Often there are some agencies along with the government departments that offer you minority business grants. And guess what? If you have a running business, this makes you even more eligible for getting minority small business grant!

Develop a rock-solid business plan

Despite the fact that you’re in a minority, you will need a compelling business plan. There are some instances where a small business owner is running the business successfully and profitably, but never really wrote a business plan.

If your case is such, then consider getting help from some experienced people. You can also get yourself some business planning software. If you’re creative, you should be able to do the rest. This is key when you are getting a minority small business grant.

Remember that no matter how much minorities are offered help, they cannot get a grant unless they submit a viable, clear and compelling business plan. Always remember that: you don’t stand a chance without a rock-solid business plan. The competition is too tough out there.

You can also consider using free templates that are available online. Some templates are quite good, as they let you put in a break-even analysis or some other financial breakdowns.

Where to look first?

You can start your quest at the Small Business Association. They won’t actually grant you the money, but they can be your guide to find potential investors or grantors.

Many organizations are always on the lookout for small businesses (especially owned by minorities) that can provide promising contributions to society. This means you have a better chance if your proposal shows that you really have something to give back to the community. Go to the website of the SBA to get some key information on minority business grants that are currently available.

Turn to Uncle Sam

The United States government happens to be many entrepreneurs’ favorite when it comes to getting grants. In the early 1990s, the Clinton Administration set the foundation for today’s minority small business organization. Their special program is still offering financial aid to many small businesses.

So, you have to concentrate on finding some local resources as the American federal government itself usually does not give you grant money. The money usually comes from a significant fund as allocated for states or government agencies/departments.

If you want free grant money from government agencies, you may get it from their sites. Just get registered and apply. You can apply for one or multiple grants. Plus, it doesn’t hurt to apply to as many programs as possible. This will increase your odds of getting minority small business grant by multiple folds.

Did you know that the U.S. government gives out billions in grants to over 18 million people annually? Well I do, since I received over ,000 to start-up my new business.

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