owners

Navigating the Business Loan: Guidelines for Financiers, Small-Business Owners,

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Navigating the Business Loan: Guidelines for Financiers, Small-Business Owners,
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Navigating the Business Loan: Guidelines for Financiers, Small-Business Owners,

Some recent loans for small businesses auctions on eBay:

Navigating the Business Loan: Guidelines for Financiers, Small-Business Owners,

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Navigating the Business Loan: Guidelines for Financiers, Small-Business Owners,
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Marketing Ideas Small Business Owners Can Use to Get More Referrals

Many professionals and small business owners want more referrals. They know referrals are a big part of their marketing strategy. However, many people are reluctant to ask for referrals. It makes them feel needy, greedy or pushy.  But it doesn’t have to be that way!

What is the number one question people ask you?  It doesn’t matter what you do for a living.  The question is always the same.  Ready?  It is:  “How are you?” 
 
If you are like just about everyone, your answer is always the same: “Fine.”  That is a dead-end street.  Next time, use that as an opportunity to talk about your business. 
 
Try something like: 
 
“I’m great.  I’m working with a new client who (describe your client).  I’m helping him by (fill in what you are doing to help that client).  I really like working with people like that because (say why).”
 
Now here’s the important part. Ask for a referral.
 
“Do you know anyone who (describe your client again)?  If you do, let me know.  I’d love to help them, too.”
 
Need an example?
 
Here’s something an accountant might say.
 
“I am great. I am working with a client who wants to retire and sell her business in a few years.  I’m helping her get her finances order now, so she’ll be in good shape when she is ready to sell. I like this type of project because I know with my help, she’s going to get a lot more money when she does sell her business. Do you know any business owners who are nearing retirement age?  If you do, send them my way.  I’ll be happy to review their books and see if there are areas that need updating.”
 
Need another example? Here is something a restaurant owner could say.
 
“I am great! I just introduced a new menu. It has some heart-healthy entrees on it and my customers love it! I like providing food that tastes fabulous and is good for my customers, too. It makes me feel like I am really taking care of them. Do you know anyone who is interested in improving their eating habits? If you do, send them my way. Be sure they tell me they know you. I will be happy to give them extra-special treatment.”
 
With a little modification, you can also use this type of message in written communication (seasonal cards, e-mails, etc.) to your contacts. 
 
Give it a try!  You’ll soon find getting more referrals is a lot easier than you thought.

Pamela Starr is a marketing expert and the creator of The Starr Marketing Method™. She publishes a weekly ezine offering free marketing ideas. If you have tried marketing your business, and are frustrated with your results, check out Pamela’s ezine and free report: Easy and Affordable Marketing Tricks at: http://www.PamelaStarrOnline.com

Business Financing and Mixed Signals For Small Business Owners

Business financing programs are resulting in mixed signals for borrowers. Business lenders are increasingly reducing or canceling commercial lines of credit, refusing to refinance commercial mortgages and turning down new requests for small business loans. In contrast to their actual lending practices, most lenders have announced that they are lending normally to businesses. These mixed signals are due to a variety of financial and economic issues, but the end result is likely to be confusion for small business owners.

Having enough cash flow to support daily operational requirements is a critical need from the perspective of a small business owner. Very few businesses are debt-free, and the inability to borrow needed funds on an ongoing basis will quickly produce serious consequences. It is probably fair to say that the average business owner does not understand why they are currently unable to get adequate working capital or commercial loans from their current lender. The primary mission for commercial borrowers is likely to involve locating new sources of capital once they realize that their current lenders might not be up to the task of helping their business financially.

Looking at this perplexing situation from a lending perspective, it is likely that most commercial lenders truly want to be more active in providing small business financing than they currently are. However, many banks are undercapitalized and have been forced to increase their liquid assets to satisfy government standards. This can force such banks to make fewer new loans and to cancel some existing loans. In other cases, lenders have depended excessively on short-term commercial financing sources and now find themselves short of capital to make loans because their own business funding sources are proving to be inadequate.

Some good news emerging from this confusing lending climate for small businesses is that there appears to be an adequate supply of new lending sources to fill the void left by the exit of many banks and other lenders from commercial lending. A prominent commercial lender recently announced that they needed more capital in order to continue making small business loans. Even though the failure of this lender would be inconvenient to businesses using their services, it has become clear that there are indeed other lending sources sufficient for solving the problem.

Despite the unfortunate complications due to mixed signals from lenders, business owners are in better shape than they probably realize to make it through the current business funding chaos. In order to increase the chances of their business surviving, borrowers should take a more active role in their business financing.

Stephen Bush is Chief Executive Officer of AEX Commercial Financing Group and is a working capital expert who helps small business owners throughout the United States. Please contact Steve for candid and practical advice about small business loans and short-term working capital financing.

Loan Financing Guide for Small Business Owners

Some recent loans for small businesses auctions on eBay:

Navigating the Business Loan: Guidelines for Financiers, Small-Business Owners,

$55.89
End Date: Thursday Nov-1-2018 19:54:11 PDT
Buy It Now for only: $55.89
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Navigating the Business Loan: Guidelines for Financiers, Small-Business Owners,
$55.86
End Date: Monday Nov-5-2018 2:29:45 PST
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Loan Financing Guide for Small Business Owners 2006 by Berdiev, D. Ne 0977411702

loans for small businesses eBay auctions you should keep an eye on:

Navigating the Business Loan: Guidelines for Financiers, Small-Business Owners,

$55.89
End Date: Thursday Nov-1-2018 19:54:11 PDT
Buy It Now for only: $55.89
Buy It Now | Add to watch list

Navigating the Business Loan: Guidelines for Financiers, Small-Business Owners,
$55.86
End Date: Monday Nov-5-2018 2:29:45 PST
Buy It Now for only: $55.86
Buy It Now | Add to watch list

Loan Financing Guide for Small Business Owners-ExLibrary
$3.74
End Date: Monday Oct-22-2018 18:44:58 PDT
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The ULTIMATE Small Business Owner’s Guide to Getting Bank Funding Without a Personal Guarantee

The ULTIMATE Small Business Owner’s Guide to Getting Bank Funding Without a Personal Guarantee

The ULTIMATE Small Business Owner's Guide to Getting Bank Funding Without a Personal Guarantee

The government has ear marked billions of dollars for small business funding to stimulate the economy, yet 89% of small business loans are rejected (Small Business Lending Annex).

In, “The Ultimate Small Business Owner’s Guide to Getting Bank Funding” you will learn how to design a business credit file that will impress underwriters.

Unlike personal credit, business credit rewards those who borrow. You’ll be able to aggressively expand your business and take advantage of w

Price:

Small Business, Banks, and SBA Loan Guarantees: Subsidizing the Weak or Bridging

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Getting a Business Loan: Financing Your Main Street Business (Paperback or Softb
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Related Business Loan Products

4 Easy Steps to Get Loans for Small Business Owners

Be sure to visit http://www.BusinessCreditInsider.com for all of our free videos on how to build business credit. Get Money – http://TheFinanceFormula.com | …

Small Business Owners – Get A Life!

Remember when you were thinking of starting your own company, dreaming of being able to be your own boss, and doing the things that other people can’t get to do because they are chained to their cubicle or office everyday?

It was a good dream to have.

However, things haven’t worked out exactly right as far as not being chained to the office. you put in more time now than you did when you worked for someone else simply because this time, it’s yours.
Now instead of punching in and out 40 hours a week, you work life is full of early morning and evening networking groups and you end up with over 60 hours a week including weekends!

Where does all of the time go?

Where was it in those entrepreneurial books you read, in the start-your-own-business books and articles that you’d be walking around the grocery store at 8pm like a zombie trying to figure out what to make for dinner before 10pm. Maybe you’ll get to see the kids tonight…maybe tomorrow.

Where was it in all of those books and articles that you would have no time to get your errands run, your grocery shopping done, gift shopping, all of that stuff you did on the way home from work? I’ll tell you…. it wasn’t in them. Sure the books you read were full of ideas on what to do and how to do do it, but they always fail to explain that in order to get everything done you need to do, you need to be in two places at once or have 30 hours in a day!

Or, maybe there’s another way of going about this.

Do you think that Fortune 500 company top executives run their own errands and do their own grocery shopping? You know they don’t. They have personal assistants for that. If you could have your own personal assistant, then you could concentrate on running your business and let the personal assistant handle the rest. Enter the personal concierge service. Like a Concierge desk in a luxury hotel, the personal concierge is available to help you get more done in the same amount of time, without breaking any of the laws of physics. And they do it all without breaking the bank.

A.J. di Pota, who is among thousands of personal concierges worldwide, provides errand and shopping services as well as small event planning for his clients. Mr. di Pota says that the days of one person, or a working couple handling everything that comes at them ALONE, are over.

There is help out there!

President and co-founder of the International Concierge and Errand Association, Katherine Giovanni states that in the past ten years the industry has grown from just 20 companies to thousands today, but everyday personal concierges like Mr. di Pota’s struggle getting the word out to the public on WHAT personal concierges can do for them and WHY the services provided are worth the costs.

Mr. di Pota states,” A lot of people we speak to on a daily basis just don’t understand what “concierge” means and they think they simply cannot afford it. Personal concierges are not selling services, they are selling time and who couldn’t use more time?”

Services typically are available in one of two ways, either an hourly flat rate in which the personal concierge attempts to get as much accomplished for the client in a specific period of time, or on a per errand basis for which the client pays only for the errands themselves. For small business owners and families Mr. di Pota usually recommends the hourly flat rate “so that the client can get more done for them without it costing them a fortune.”

You may be asking, “How much does a concierge cost?” Not as much as you might think. Certainly not as much as it costs any business owner to either do the errands themselves and take time away from their business. Certainly not as expensive as it is to hire someone and pay the required taxes and benefits on top of a modest salary. Rates vary throughout the country, but you can expect to pay a premium if you live or work in a major metropolitan area, like NYC or LA.

Looking for a personal concierge? Try contacting the International Concierge and Errand Association, or, you may find a personal concierge is a member of your local Chamber of Commerce

Remember, letting other people do things that you would normally do yourself is a GREAT way to find more time for yourself, and to have more LIFE in your life. Now go get some LIFE!

Article Source: http://ezineseeker.com/?expert=A.J._Di_Pota

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