Secured Business Loans - A Road Map to Your Business Financial Aid

If you are an entrepreneur, you must be aware of the important of funds to a business enterprise. You need sufficient amount of capital to start your business or expand the existing firm. The only option to get huge amount of money is either through bank loan, government grants, money borrow from friends, relatives, clubs or returns from your investment. The good news for you today is secured business loans are the solution to your business financing.

You must ask yourself the following questions, what type of loans your business required, where and how you can get the loan, how much loan do the entity needed and what are the mode of loan repayment. You must consider whether the loan facility terms are favorable to your business concern or not.
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The Best Coffee Shops - What is Their Secret?

The best coffee shops tend to have a number of different features that help make them a success. Some are easy to recreate, others require more work if you are thinking of owning a coffee shop or starting one up. So here's a list.

1) Location. The best coffee shops are where people need them to be! This may sound obvious, but things like looking at where people gather, what are the main commuter routes into and out of your town or city all bring dividends in terms of having potential customers to get through the doors.

2) Service. People are becoming more discerning as they work on a smaller budget but they don't want to give their daily treat up. So what keeps them coming back? Often as not, it will be that individual touch from baristas and others who take that little extra time to ask how you are, and ideally, remember your chosen coffee.
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Working Capital Management

What is working Capital?

In a business it can be defined as its current assets less its current liabilities. Current assets comprise cash, stocks of raw materials, work in progress & finished goods, marketable securities such as Treasury bills & amounts receivable from from debtors. Current liabilities comprise creditors falling due within one year, & may include amounts owned to trade creditors, taxation payable, dividend payments due, short term loans, long term debts maturing within one year & so on.

Every business needs adequate liquid resources to maintain day to day cash flow. It needs enough to pay wages & salaries as they fall due & enough to pay creditors if it is to keep its workforce & ensure its supplies. Maintaining adequate working working capital is not just important in the short term. Sufficient liquidity must be maintained in order to ensure the survival of the business in the long term as well. Even a profitable company may fail if it does not have adequate cash flow to meet its liabilities as they fall due.
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How to Use Home Equity Loans to Finance Your Business

Many small business owners who are in need of financing do not realize the tremendous resources that are available at their fingertips. Those who own a home often have another type of loan available to them, the home equity loan or line of credit.

These loans eliminate some of the problems posed by collateral. If you own a home or part of a home, that ownership stake can be used as collateral instead. This has its pros and cons; it's good because it is available to many more small business owners, but it could potentially become a problem if the borrower is unable to pay back the loan. In this case, the lending institution acquires an ownership stake in the home.

Home equity loans are generally available from banks in two forms-the traditional loan format and the revolving line of credit.
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Private Students Loans - Getting the Money You Need For School!

Are you looking for more money than financial aid has provided for your schooling? Do you need more than the government loans to get your tuition paid and all the other expenses? Let's face it, it is super expensive to get an education, but it is even more expensive not to. Here are the reasons why private students loans can help you get through school.

First, we need to look at some facts about the difference between having just a 2 year degree compared to just high school and what a bachelors degree means for you. If you are just a high school graduate, then you are likely to make no more than $30,000 a year in your lifetime and that is if you are lucky. However, with just a two year degree you can bump that up to over $38,000 a year, which is over $150,000 extra for 20 years of work. A bachelors can get you well over $50,000 a year so now you can see why it is so expensive to not get your education.
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My Coffee Shop Business Plan - What Should it Contain?

Putting together a coffee shop business plan is just one of the many challenges facing any one who wants to start a coffee shop and is in need of funding, so what form and structure should it take?

While there are plans you can download, they will cost money that can be better spent elsewhere and they almost certainly not be tailored to the niche area or locality of your chosen site.

Your opening statement is a key, key part of any document you put together. It's a bit like hearing a new song on the radio. If you like the first bit, the chances are that your potential investors will hang around for the meat of your coffee shop business plan. The statement should cover your idea, management plans, profit projection and so on.

If your ideas are clear, then the next part, your mission statement - should be easier. Will you only serve coffee, what foods will you serve..and what objectives can you set yourself? Do you want to be the number one shop in a specific area? A mission statement will help focus your goals and ideas and it's a great way to impress potential investors with your ambition.

The financial plan will include your projections on costs and revenue. Don't forget that you might be able to get local grants and subsidies to encourage new business. You should also have details in mind for every 3 months of your first year, and a five-year plan. Again, this will help you focus on your ideas, structure and how you will make money in the long term.

Writing a coffee shop business plan along these lines will help focus your mind and give you some clues already as to if your start up might be a success.

For a more detailed hints on your coffee shop business plan follow the links for advice plus insider secrets and contacts on how to start up a coffee shop

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Orignal From: My Coffee Shop Business Plan - What Should it Contain?

Getting Small Business Grants For Women Start-Up Companies - New Business Grants

There's a lot of discussion on why this is one of the best times to start a business. Not only is there more small business grants, aid and incentives for new business owners, but historically it is the small businesses that are flexible enough to flourish in both good and bad economies. Women, in particular, have the added advantage of obtaining small business grants for women to help launch or grow their business.

Applying for small business grants for women can reward you with as much as $50,000 cash to use towards building your business. That could mean money to help you open the doors at a new location, financing to hire new employees, or financial assistance to buy new equipment or furniture.

There are a variety of resources and organizations that help women business owners take their business to the next level.
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FedEx Job Opportunities - Find a Career Today at Federal Express

If you are looking for a job opportunity in this very recessive economy, one of the best places that you can find a job is the FedEx Corp. There are many opportunities available right now for many people regardless of their background or skills. There are many jobs such as driving large trucks on long hauls taking packages across the country.

If you have experience in management, FedEx is offering openings in many areas of their corporate level. These jobs are also not limited to the United States. Federal Express maintains a global relationship with many countries. If you are into traveling, this could be the job for you as it could take you all over the globe.
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The True Costs of Starting a Bar

photo credit: joebeone

When preparing your bar financial plan, you will need to show an understanding of the cost of starting up the business before a cent of revenue comes in. Pay attention to estimating the following key categories.

Leasehold Improvements

Leasehold improvements, defined as fixtures and additions to the space made by the tenant, can be a significant cost, especially if the space was not previously used as a bar. Lighting fixtures, sound equipment, booths, the bar itself, and storage spaces are all included in this category. Before starting the lengthy process of talking to all of the necessary contractors to do the needed work, consider talking to someone who has opened a similar business, such as a bar or restaurant, to get a ballpark sense of what the costs may amount to.
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Starting Your Own Restaurant

If you are thinking of opening up your own restaurant motivated by the prospect of a great atmosphere, wonderful food and drink and healthy profits, perhaps you should know that there is a lot of groundwork to do before you can hope to open your doors to the buying public.

Two of the main considerations are location and competition. You need to consider how desirable your restaurant will be in a particular area, and that can also depend on what type of restaurant you are thinking of opening. Just because there's no Italian restaurant where you live, it doesn't mean that it would be an automatic success. It could be that people just don't like eating that kind of food in that location.
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Hard Money Vs Private Money - What Type of a Loan Works Best For You?

photo credit: Jonas Lamis

When trying to raise the initial funding for your investment, there are several things to consider. For example, would it be in your best interest to enlist the assistance of a hard money lender or would it be better to use the resources of a private money lender. There are pros and cons to both methods of financing, and after you have weighed both, selecting what works best for you should be much easier.

Hard money lenders include small companies and individual investors, and are a good source of quick cash. Although the money is readily available and easily accessible, you might find that it also comes with a pretty high interest rate. For this reason, it is a wise idea to consider a hard money option if you are planning to finance on a short term basis as it is an excellent short term financing tool.
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