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Debt and Equity Financing: Two Options for Financing Your Small Business

nicherv — Mon, 15 Jun 2009 13:10:05 +0000

Whether you're preparing to launch a startup or want to grow your business, one thing is for certain: You’re going to need money. Debt and equity financing are two different financial strategies: Taking on debt means borrowing money for your business, whereas gaining equity entails injecting your own or other stakeholders’ cash into your company. Debt Financing Business owners may have some trepidation about borrowing from a financial institution, as it means relinquishing some cash profits. But it could be a good option so long as you expect to have sufficient cash flow to pay back the loans, plus interest. The major benefit for debt financing, unlike with equity financing, you'll retain full ownership of your business. The interest on business loans is also tax-deductible, and you’ll build your credit. Small businesses frequently take bank loans. They are usually easy to obtain – so long as you have good credit, enough equity to cover the payments and you're not already Continue Reading

5 Small Business Loan Tips

nicherv — Sun, 14 Jun 2009 14:00:31 +0000

As most business owners will come to know, obtaining a small business loan can be a trying ordeal. Learn what you need to know about getting a small business loan for your business. An important source of funding for your business in the future can be the bank. Relationship banking has been the cornerstone of small business financing. A good relationship between the business owners and bankers allows for the free exchange of knowledge and the ability to meet the needs of business. A banker informed of your business can not only provide you with a small business loan but also offer practical advice on financial matters. Banking Relations and Your Small Business Loan Setting up a relationship with your banker begins with following five tips: Set up a bank account at a bank that deals with your size and type of small business. Manage the account effectively and avoid overdraws, bounced checks, and low balances. Borrow a short-term loan and pay quickly to establish your business Continue Reading

Small Business Funding and Financing: Finding the Money for Your Business

nicherv — Sun, 14 Jun 2009 13:57:10 +0000

Finding small business funding is one of the survival skills needed for small business success. Whether you're a start up or growing business, learning the basics of raising capital will go a long way to ensure you stay in business. There are a variety of money sources for small business including grants, small business loans, SBA loans, angel investors and much more. Debt & Equity Financing: Debt and equity financing are two different financial strategies: Taking on debt means borrowing money for your business, whereas gaining equity entails injecting your own or other stakeholders’ cash into your company. Small Business Grants: Small business grants are often a hot topic among entrepreneurs with limited funds and access to capital. There are many misconceptions when it comes to grants for small business. First Time Small Business Loan: The best place to start when it comes to finding your first small business loan or credit is not with your banker, accountant or lawyer but Continue Reading