When starting a business or if in need for some financial help for an
existing business, there are several business finance loans. Depending on the
size of the loan and the business will help in the decision on what one is
right for you.
Guaranteed Loans From the
Small Business Administration
The small business administration does not give you the loan directly,
but can guarantee the financial institution that it will be paid. These loans
go according to the requirements of the small business association. The 7(a)
loan program is the most flexible and the one that SBA uses primarily. The
major types of 79a) loans are express programs, export loan programs, rural
lender advantage program, special purpose loans program, CDC/504 loan program,
microloan program, and disaster assistance loan program. These loans are made
for existing and start-up businesses.
Prior to Applying for a
Small Business Administration Loan
There is a few things that you need to do before you apply for any loan
programs. Prior to obtaining a loan with the SBA, you must first try to get
financed through a different source. If the terms are reasonable and you
qualify, you will not need SBA.
If you do not qualify, then you may apply for an SBA loan program if
your business meets the requirements of being a small business. Check the types
of loans that they offer and be sure they you meet the requirements. Make sure
the program you apply for will give you enough financial help that is needed.
Look to so see if there are any specifications you need to know.
Financial Information for
Some of the financial information for your business finance will be
different depending on if you already have the business or are just starting.
If you have an … » Read more
We have all been told of the need for constant and disciplined saving for future emergencies, though few rarely do. Unfortunately, emergencies happen and the need for emergency loans will be inevitable, will you be one of the lucky ones who can lend yourself the money from your savings rather than seeking the expensive rates of a cash advance loan?
Cash advance loans
provide an important service, as cash advance lenders provide short term loans
to people in advance of their paycheck in times of emergency. The reasons one
would pursue such an expensive loan can vary, but they invariably have the same
driving motivation, namely, “I need cash now, I need cash fast, and I have
nowhere else to turn.”
Faced with such a
situation and in need of emergency loans fast to address their pressing need,
consumers are willing to put up with very high interest rates, up front loads
for financing, and stiff repayment terms associated with cash advance loans.
These emergency loans are not cheap by any sense of the word, but for some it
is their only option when they need cash fast in a crunch.
The solution to avoid
these expensive emergency loans and all the fees and costs associated with them
is a simple one, savings. A disciplined approach to savings is often such a
difficult principle to impart, as it can be so easy for us to explain away
purchases with the I want it or need it now philosophy. Often an examination of
one’s finances can reveal shocking details of how much spendable income is
going towards financing of these emergency loans and unnecessaries.
Saving for emergencies
is an essential part of proper personal finance management and cannot be
overemphasized. Shield yourself from life’s unexpected happenings with proper
emergency … » Read more
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