How to Get Money to Start A Business – Startup Financing Options

Business acquisition loans are available for people who are looking to purchase a business. Perhaps you are already a successful business owner and you’d like to acquire some new assets? You’d also be eligible for a business acquisition loan. To assist you through the approval process, here is a look at some of the different ways that you can apply to receive a business acquisition loan.

SBA Loan

SBA loans are loans that are guaranteed by the Small Business Association. The bank will offer you a lower interest rate and longer repayment terms because there is minimal risk with an SBA loan. Keep in mind that filling out the application for an SBA loan will take a couple of hours. Once you have completed the application, it may take a few weeks before you find out if you have been approved.

Business Expansion

If you are already a successful business owner and are looking to expand, you should qualify for a business acquisition loan. However, you may not be interested in the lengthy process of applying for a traditional bank loan. Some online lenders may offer you more favorable terms than a bank. You should also get approved a little quicker than if you chose the traditional route.

Startup

If you are looking to start your own business, you should be eligible to receive a startup loan. You will have to show that you have the experience and the necessary resources to keep the business from failing. The lender may also ask you to put down a deposit on the business that you want to acquire. There are different loan options available as you pursue a startup loan.

Traditional Bank

You could pursue a loan through a traditional bank, however, the requirements are very strict. The bank will take several things into consideration before making a decision. Bank loans are known for offering generous rates. As long as you have a steady income, good credit, and some business experience, you should get approved. Consider contacting a local bank or a credit union first instead of a large bank.

Keep in mind that purchasing a business can be very exciting, but securing financing could be difficult. As you spend time researching different business acquisition loans, try to get a letter of intent from the seller. Without having a Letter of Intent, it may be difficult to secure a loan. Make sure that you have access to your most recent tax information. If you don’t have access to your most recent documentation, that will slow down the approval process.
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When you’re considering auto shipping, you have many questions. You might be moving across state or cross country for a new job and don’t want to drive. Or, if you have an older car, you might not want to put the mileage on it. Then, there’s the thought that a long road trip can possibly result in an accident, poor driving conditions, or other traffic infractions. When you choose Unlimited Auto Trans to do the shipping for you, these worries are eliminated. 

What should you look for when choosing an auto shipping company? 

Instant Quote – 

Unlimited Auto Trans will provide you with an instant quote for your transportation needs. Simply provide details about the location (to and from), the time frame (when you need it delivered), and any special instructions for delivery. You’ll get an instant quote and no surprises, so you know exactly what it’ll cost to ship your car. 

You’re Coverage – 

Another important factor to consider with auto shipping is the insurance. How much is your car protected if an accident occurs, loss, or if there is an issue with delivery? You want to choose a company that insures your car, covers damage, theft, delays, or other transit issues. 

A Clear Description of Services – 

With Unlimited Auto Trans, you’ll understand everything from start to finish. You’ll receive complete details of the transportation services when you call or fill out the online form for your quote. You’ll receive instructions on

– How/where the car will be picked up

– How long it is in transit

– How many additional cars or vessels are being transported together

– What your insurance coverage is

– What happens in the event of delays

– Information regarding speedy delivery or quicker transport

If you have a question about the shipping process, you’ll receive all answers and clarification before you choose to hire the company for shipping services. 

You don’t want to take a chance with a long distance move or drive when you don’t have to. In addition to the mileage, many dangers come along with lengthy road trips, that many drivers don’t think about at the onset of their travels. If you’re moving long distance, or don’t have the time, energy, or ability to make the drive yourself, the option to have your car shipped to your new address, is a great way to ensure it get to you in a timely fashion, and safely.… Read the rest

Are you thinking of hiring a public accountant? Or you are wondering when to do it? Maybe you are not sure whether to hire or not? If yes, you are in the right place. While it’s possible to handle daily accounting on your own, there are instances you need a professional Lavi CPA. These experts can help you decide crucial business decisions and save time. Certified public accountants specialize both in accounting and tax laws. They can represent you on any issue before the IRS. 

That said, below are times to hire a public accountant

1. When starting a business. 

This may seem a bad idea especially when you have a tight budget. However, hiring a CPA is part of an investment and you must incur some costs. A public accountant can help you choose the right business entity and avoid costly mistakes. He or she will guide you to build the right business structure. This may include a co-operation, partnership, limited company and more. 

The choice of business structure is likely to affect reporting requirements and taxes. Knowing the right structure for your business is crucial at the start.

Lavi CPA will also help determine the right type of accounting for your business. Should you consider a cash or accrual accounting? Only a certified public accountant can answer this. While starting a business use cash, there are times IRS demands the use of accrual accounting. 

2. Tax returns

You must prepare and file your tax returns at the end of every year. By hiring a certified public accountant, you are minimizing your tax liability for the ensuing business year. If you being audited by the IRS, Lavi CPA Can represent you and answer all questions regarding your taxes. 

It’s important to remember that business taxes are a bit more complex than personal ones. Only a public accountant will help prepare and file all the required tax returns at the right time. Also, CPAs will help you understand the deduction you qualify for as well as conforming to tax changes. 

3. When serious accounting issues occur 

If you are facing serious tax evasion charges, you might want to hire a professional public accountant. The IRS may have no option but to pursue criminal charges on you. CPAs will help supply the right information to resolve the problem before it gets worse. For instance, these experts will help prove your company is bankrupt or has fewer assets. 

Let the experts at Lavi CPA help cut costs and grow your business. Contact us for tax preparation and save money!… Read the rest

Do you have a loved one who is living with you but has lost their independence? It’s common for people to lose their independence in their old age or when they are suffering from a mental problem like dementia. When this happens to your family member, you can feel overwhelmed with taking care of them and can even interfere with your daily life. However, nowadays this is not a problem any more thanks to in-home caregivers. Professional caregivers can provide your senior loved one with physical assistance, and even help with the routine and emotional aspects of their daily life.

In-home caregivers can assist seniors with the activities of daily living, such as dressing, bathing, and cleaning in addition to other invaluable personal benefits. In this article, we have put together a few benefits of hiring 24 hour senior home care providers. 

1. Caregivers offer Personal Companionship

When a person ages, one thing that affects their health is loneliness. Many elderly individuals in the US have been abandoned by their family members, causing them to live alone in the countryside. When they have trouble moving around or doing activities of daily living, they fell even more isolated. That is why many home care services are offering companionship to these disadvantaged population to make their life easier. A professional home caregiver can provide your loved ones the needed social interaction such as taking them to the movies, gardening or cooking together. This can significantly prevent loneliness and depression which can be even worse. 

2. Safe Transportation

As people get older, they may reach a point where they are incapable of driving safely. This is a huge blow to their independence and can significantly limit their ability to perform everyday tasks, like, going to church, visiting friends or going shopping. Professional in-home caregivers help seniors to safely drive and accompany them on their errands, social events, meetings, and doctor’s appointments, etc. This can help them stay active both physically and socially. 

3. In-Home Caregivers Enable Independent Living for Seniors

Professional caregivers provide ongoing personal care to aging individuals so that that they can continue living comfortably and safely at home. Seniors only need little extra support to achieve independence, and this is what professional caregivers provide. 

Professional caregivers can provide many benefits to seniors. If you live in Los Angeles and are looking for a professional 24 hour senior home care service, contact us at 24hourcaregivers.com and we will be glad to assist you.… Read the rest

In your own experience as a consumer, you doubtless have seen a huge upswing in the number of large and even small businesses that are taking your credit card payment via a reader that is connected to a smartphone or tablet. Or maybe even eliminating a scanner altogether by accepting payments via Apple Pay or Google Pay. Perhaps that has you wondering whether this new method of making payments will one day overtake the traditional stationary credit card scanner that you use in your own business. While we don’t have a crystal ball, there are some undeniable observations about the industry that can help you reach your own answer to this inquiry.

Broadly Appealing

The sheer scope of businesses that are finding it attractive to accept mobile payments is staggering. Here is a sampling of just a few:

• Popup arts and crafts, jewelry and artisan food stands that do seasonal or periodic business at farmer’s markets, fairs and the like. These benefit from mobile POS solutions that have minimal fees and are suited for low sales volumes.
• Restaurants and food trucks use tablets and smartphones at the counter and at the table to enable customers to view the menu, order food and pay their bill. This gives staff more time to complete other tasks and provide in-depth customer service.
• Contractors and other vendors who accept payments on the road at customers’ homes, etc. Having a smartphone and a card reader allows customers to pay immediately for services rendered, reducing the hassle of sending invoices and chasing people down for nonpayment.
• Brick-and-mortar retailers. Thanks to portable mobile payment technology, long lines at the store can be a thing of the past. Customers can even pay for their purchases right on the sales floor with the associate’s handy, portable system.

A Word About Connectivity

Even the stationary credit card scanner that you currently use needs to be connected to the internet in some way. Many businesses use a land line for this purpose, and it remains the most stable means to ensure that you will be able to get customers’ card payments processed quickly without glitches.

By definition, mobile phones are portable and do not connect to the internet with a physical cable. While this enables flexibility and greater ease of use, it also means that you are at higher risk of signal variations and drops. If you take your products on the road, your ability to find and maintain a good signal is one of the first things you should test when scouting out your vending location. Another option is to speak with the venue to see if you can purchase internet access for the duration of your stay. Because this is expensive, you might prefer to work with your cellular provider. As long as you have purchased sufficient data, you can set up a mobile hotspot with a personal WiFi signal that enables you to connect your mobile POS to the internet.

Are smartphone payments poised to sweep the commercial landscape and relegate old-school card scanners to the dustbin of history? The short answer is that this tried and true technology will probably continue to be a mainstay for many companies who either like the security of land line connectivity or feel no need to upgrade their systems. Nevertheless, the benefits of mobile POS solutions and technology cannot be denied, and the innovations just keep on coming. In the years to come, you can probably expect to see a limited legacy presence augmented by an ever-expanding selection of cutting-edge mobile payment possibilities.
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Many people who are interested in purchasing jewelry online may be asking themselves when the best time is to purchase jewelry. There are a few times per year that really make sense for purchasing high end items like jewelry. This buyer’s guide is going to take an in-depth look at the best weeks of the year to purchase online jewelry. 

One of the best times to visit online jewelry auctions sites is during Black Friday week. This week in particular is one of the best times for customers to look for online jewelry because of the outstanding discounts and offers that jewelry auction sites may be offering their customers. Starting with Black Friday, and all the way through to Cyber Monday is probably the best opportunity to find affordable online jewelry. 

The next major opportunity to find online jewelry at an affordable price is right before Christmas time. With customers looking for last minute holiday gifts before the New Year, the final week of the year is a pretty great opportunity for customers to purchase online jewelry. Usually jewelry auctions sites are looking to sell as many of their current jewelry products as possible before the new year starts. 

The final opportunity that online jewelry shoppers will want to consider when looking for jewelry is right before Valentine’s Day. This is a great time to shop for jewelry because online jewelry auctions sites know that everyone wants to get their significant other a nice gift before the big day. There are usually generous discounts and sales promotions that customers can take advantage of in the week prior to Valentine’s Day. 

Conclusion

The three major weeks mentioned above are probably the best times to shop for online jewelry, but these are not the only times that customers should look to purchase jewelry online. There are always other seasonal offers that pop up from time to time on some of the internet’s most popular jewelry sites. There are always new selections becoming available throughout the year that may appeal to customers that are looking for high end jewelry.… Read the rest