Business owners often have a difficult time securing the financing required to start and grow those companies. While some turn to their loved ones and offer investments within their companies, others look for other ways to finance their ideas. Even after launching your own business, you may still need some additional help. Financing can help you cover the paychecks you owe your employees, the bills that keep coming in and even the utilities needed for the daily operations of your business. The best financing options can help you when starting your business or helping it grow.
Invoice advances are cash advances that you take out against future goods. With traditional sales methods, you accept payments from customers and deliver goods after receiving those payments. If you experience a faster amount of growth than anticipated and cannot keep up with the demands from your customers, invoice advances can help. Investors essentially give you money that you can use today to pay for those goods with the agreement that the investors can take over your invoices if you cannot pay back the money borrowed.
You may find yourself in need of cash to cover your payroll financing, utility bills or another amount that you cannot pay. Some companies will offer you the cash that you need with some form of collateral that you put up such as a piece of property or the rights to sell a product that you offer. You can also cover your payroll with a microloan. A microloan is a smaller loan than you might get when going through a bank or traditional lender. Some sites actually let you seek loans from multiple people and use an online system to pay back your lenders.
The Small Business Administration is an organization in the United States that offers loan programs for American citizens who own some type of small business. You can request a loan once you open your business or when you need to secure funding in your early days. Instead of giving you a loan, the SBA will secure the loan that you get from a traditional bank or lender. The SBA will essentially agree to cosign on that loan and cover the loan if you default. Even if you have a lower credit score, you may qualify for one of these loan programs.
One of the top ways for new companies to get the financing they need is through crowdfunding. You've probably heard about sites like Kickstarter and how individuals received thousands of dollars or more from those sites. When you create a profile, you can upload videos, share details about your business and even include images of your products. Those using the site can donate as little as a few dollars to more than $1,000 to help you reach your financial goals. Several companies used these sites to great success and secured more than $1 million.
The problem with borrowing money from the SBA or taking out a traditional loan is that you must pay back that loan plus the interest charged by the lender. With a business grant, you'll receive money that you can use for start up or operating costs that you do not repay. Though the SBA offers several grants, you'll also find grants available from private sources. Many of these grants are only available to minority business owners, including women and African Americans. Most programs require that you submit an application, a proposal and a full business plan that shows how you will use that grant money.
Another popular way of securing financing for a new business is with presales. This is especially helpful for those who have a great product but do not yet have enough cash for the manufacturing of those products. You give customers the chance to make a down payment or pay the entire amount of that product with the agreement that you will ship that item as soon as possible. Tesla actually used preorders during its early days and is now a top auto manufacturer. Presales can help you raise the capital needed to get your products in the hands of customers.
Whether you need cash to cover your operating costs, the paychecks of your employees or even the cost of manufacturing your goods, there are a number of financing methods that can help. Consider grants and loans from the Small Business Administration, presales, microloans, crowdfunding and other financing options.
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Microsoft's Hotmail receives and sends some of the largest amount of spam by email on the web. In a fight back against this Microsoft is setting a limit of sending 100 emails a day. For many users it says this wont matter as most users only send a few emails a day but this will stop the big spammers from using Hotmail.
Many ISP's already have similar limits to stop people from flooding their networks with emails. Experts think that spam has risen by 500% in the past 18 months and for a company with over 120million users this has been many more emails.
MSN is having an overall clamp down over spam. In the past month, it sued in federal court to learn the identities of some spammers, and it has promised to pursue similar lawsuits. Both AOL and EarthLink have won monetary damages in suits against spammers.
Many Hotmail users welcome any moves to try to stop the amount of spam coming into their inbox's however Microsoft is still not tackling the bigger problems of spam coming in from outside its network. This for many people is a bigger problem then from emails coming from other hotmail users.
One thing is for sure is that we will be seeing more and more email providers taking up law suits against spammers to try to cut down the amount of unwanted emails on the net.
Its been a while since my last entry and a lot has changed. First I have a lovely new girl friend - Laura and i'm now back at University in Coventry. Sorry for the lack of entertaining updates but I havn't got round to it - lack of motivation.
Laura has been coming to see me every weekend (or I have been going home) which has been good though its annoying working saturdays and the occassional sunday. We havn't been going out as much this year as last mainly because noone has any money however from the money I saved going out I did get a nice new computer :D (well that and selling the old one).
This year seems completely different from last year, I kind of expected a lot more work from the start however things got going really slowly. Its most likely because we should be doing more self learning however the majority of things I do on my computer anyway (webdesign etc) prolly all counts in some way - well I like to think it does ;).
I will admit that I was pretty bored the first 3-4 weeks at uni, whether it was from lack of sleep or just cause I wasn't going out as much I dunno, however after spending a bit of money and keeping myself a bit more busy things are a lot better!
Work will be picking up in the next couple of weeks because of coursework and a couple of tests nearer the end of term. Its only about 5 weeks till xmas which gives me 4 weeks to decided what to get people - well thats the excuse to send emails, a lot less effort.
Things are pretty stagnant with ImAFish, I have been working on some concept art for a possible update to ImAFish but I'm not giving anything away yet. The forum has been picking up in activity recently since people have gone back to Uni which is good, the summer is usually a slow time for posting.
I brought Half Life 2 yesterday and have been playing it pretty much none stop, I intend to put some screenshots on ImAFish petty soon. The game is brilliant, it has the same feel for the first game but the graphics and physics in the game are a massive update. The gravity gun is especially impressive allowing you to launch objects in the game at enmies.
I got SuSE 9.2 last week, I'm working on a review but with Half Life 2 I have been spending more time in Windows than Linux.
Last weekend was pretty interesting cause Laura got quite drunk! I better not put anymore or she wont be best pleased. I'm going out tonight and am meeting up with my Italian friend I lived with last year so should be a good night.
Until next time.