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	<title>Cheap Used Cars &#187; Small business</title>
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		<title>The Benefits of Exporting For a Small Business</title>
		<link>http://colorfulmoney.com/the-benefits-of-exporting-for-a-small-business/</link>
		<comments>http://colorfulmoney.com/the-benefits-of-exporting-for-a-small-business/#comments</comments>
		<pubDate>Sun, 04 Apr 2010 06:25:57 +0000</pubDate>
		<dc:creator>davidguide</dc:creator>
				<category><![CDATA[Cheap Used Cars]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Entrepreneur]]></category>
		<category><![CDATA[Export]]></category>
		<category><![CDATA[International Business and Trade]]></category>
		<category><![CDATA[International trade]]></category>
		<category><![CDATA[Market share]]></category>
		<category><![CDATA[Marketing]]></category>
		<category><![CDATA[Small business]]></category>

		<guid isPermaLink="false">http://colorfulmoney.com/?p=236</guid>
		<description><![CDATA[photo credit: karen horton Somehow, people have the perception that a small business does not export. A business that is going international is usually assumed to be a large company, and with this perception in mind a lot of small business owners shy away from trading internationally. It is the problem of scale that frightens [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignright" style="border: 0pt none;" src="http://farm4.static.flickr.com/3497/3265285796_1e57f60af6.jpg" border="0" alt="Israel Postage Stamp: Textiles" width="429" height="500" /><br />
<small><a rel="nofollow" title="Attribution License" href="http://creativecommons.org/licenses/by/2.0/" target="_blank"><img src="http://colorfulmoney.com/wp-content/plugins/photo-dropper/images/cc.png" border="0" alt="Creative Commons License" width="16" height="16" align="absmiddle" /></a> <a rel="nofollow" href="http://www.photodropper.com/photos/" target="_blank">photo</a> credit: <a rel="nofollow" title="karen horton" href="http://www.flickr.com/photos/8790226@N06/3265285796/" target="_blank">karen horton</a></small><br />
<small><a rel="nofollow" title="Yester Prints" href="http://www.flickr.com/photos/33829526@N06/3226421338/" target="_blank"></a></small>Somehow, people have the perception that a small business does not export. A business that is going international is usually assumed to be a large company, and with this perception in mind a lot of small business owners shy away from trading internationally. It is the problem of scale that frightens them, but is this indeed true?</p>
<p>They likely think this way because of the huge capital outlay that is needed to get into exporting, but in reality, a significant percentage of exporters are small businesses. Take note that the size of the company is not always important. It also does not need to have a huge marketing department just because it is going international. This is particularly true when the company sells in only smaller quantities or sells occasionally. The success of a small business in the exporting industry is dependent on the quality, competitive pricing and continuous availability of products. Despite the risks involved, which are actually part and parcel of any business, exporting brings a number of benefits to small businesses.<span id="more-236"></span></p>
<p>One of the benefits of trading internationally is the potential increase of sales and profits that international trade brings, although this is significantly influenced by the quality and success of your product. With an expanded market, sales of products will definitely increase if consumers discover how much they need or desire these products and if the company continuously supplies and retains good quality products, innovates and invests in product development when needed.</p>
<p>A small business can also gain market share globally through exporting. Obviously, when a company starts doing international trading, it becomes part of the global market. It will have a good opportunity to expand its customer base, and this will bring about better potential for long term growth.</p>
<p>Most small businesses start with the domestic market first before going into exporting. By achieving domestic success they will attain the background knowledge needed to break into foreign markets. Without a good level of success in their home markets, companies will be unlikely to achieve success abroad. If you can&#8217;t make it at home then work on that before expanding your borders.</p>
<p>In working to achieve this level of domestic success, your business will likely become a prominent competitor in your home market, and this competitiveness will help you to be successful in the wider world markets that you will face when exporting.</p>
<p>Another possible advantage of tapping the international market is the lower cost of production. With the increase of supplies needed for a wider target market, the cost of production per unit of product should decrease.</p>
<p>The next significant foreign trade benefit for small businesses is the potential gain of knowledge. By entering the international market, a company can gain various experiences which can be used to improve both its domestic and foreign businesses. It can gain information on new technologies, new product and marketing ideas, and much more. Such knowledge can be used to develop better products and sell them more effectively.</p>
<p>Diversifying risks is one more advantage of exporting. With the company&#8217;s expansion to other countries, risks such as economic downfall and market changes are more evenly distributed. While domestic companies may be wholly affected when misfortune hits the domestic market, a company with foreign interests will not suffer such great losses.</p>
<p>A small business can also benefit from selling its excess products internationally. If the company exports its goods, it does not have to give huge discounts to its domestic market or throw away excess products. Excess products can be sold to other markets that are not so important to the long term future.</p>
<p>And lastly, exporting can lengthen the life of a product. A typical product has a life cycle of launch &#8211; growth &#8211; maturity &#8211; decline. An exporting business is able to extend these stages and significantly extend the lifetime of its products by launching it to export markets while the domestic market is still in maturity. Product development to replace that product in the home market can then be financed by export sales and hey presto! Your entire product cycle becomes self-sufficient and one financial strain on your business has been eradicated.</p>
<p>With these benefits that come with exporting, owners of small businesses should consider tapping the international market. The size of the business is irrelevant: what matters is the will to succeed in the export markets. All it needs is high quality and useful products, and a good entrepreneur who is a risk taker in order to succeed.</p>
<p>Naz Daud is the founder of CityLocal. This Franchise Opportunity is for people who would like to work from home and be their own boss.</p>
<p>Computer Business Directory</p>
<p>Internet Business Franchise</p>
<p>Copyright information: This article is free for reproduction but must be reproduced in its entirety, including live links &amp; this copyright statement must be included.</p>
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		<title>Bad Credit Business Loans &#8211; Good Business Career With a Bad Record</title>
		<link>http://colorfulmoney.com/bad-credit-business-loans-good-business-career-with-a-bad-record/</link>
		<comments>http://colorfulmoney.com/bad-credit-business-loans-good-business-career-with-a-bad-record/#comments</comments>
		<pubDate>Sun, 21 Feb 2010 03:03:21 +0000</pubDate>
		<dc:creator>davidguide</dc:creator>
				<category><![CDATA[Used Car Price]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Carmen Cortez]]></category>
		<category><![CDATA[Collateral]]></category>
		<category><![CDATA[Credit history]]></category>
		<category><![CDATA[Interest]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Small business]]></category>
		<category><![CDATA[Unsecured loan]]></category>

		<guid isPermaLink="false">http://colorfulmoney.com/?p=187</guid>
		<description><![CDATA[photo credit: Alaskan Dude You can now be a successful business man in spite of being a bad credit holder. The poor credit histories of your financial life will not influence your business life and earning good through it will become easier for you. There is no reason for you to worry by thinking this [...]]]></description>
			<content:encoded><![CDATA[<p><img src="http://farm4.static.flickr.com/3219/3130052682_a41c189926.jpg" border="0" alt="How can anyone say no to this smile?" /><br />
<small><a rel="nofollow" title="Attribution License" href="http://creativecommons.org/licenses/by/2.0/" target="_blank"><img src="http://colorfulmoney.com/wp-content/plugins/photo-dropper/images/cc.png" border="0" alt="Creative Commons License" width="16" height="16" align="absmiddle" /></a> <a rel="nofollow" href="http://www.photodropper.com/photos/" target="_blank">photo</a> credit: <a rel="nofollow" title="Alaskan Dude" href="http://www.flickr.com/photos/72213316@N00/3130052682/" target="_blank">Alaskan Dude</a></small></p>
<p>You can now be a successful business man in spite of being a bad credit holder. The poor credit histories of your financial life will not influence your business life and earning good through it will become easier for you. There is no reason for you to worry by thinking this that where will you find out a suitable loan. It has been found to be happened with many that they are either turned down or are charged higher interest rates by the lenders. Many such unwanted situations happen with the bad credit holders. But after opting for the bad credit business loans such thing will not get to happen.</p>
<p>These loans are especially for the bad credit holders only and that is why; they do not find any problem in it. The allowed bad credit records include:<span id="more-187"></span></p>
<p>Arrears<br />
Late payment<br />
Skipping of installments<br />
Defaults<br />
Bankruptcy<br />
CCJs</p>
<p>For supporting such borrowers, these loans have been divided into two forms. There is a good reason behind this division because each of these forms will be able to cater to the specific need of a particular borrower. The secured loans will be able to satisfy the big amount seekers. It will help the borrower with a bigger amount and the rate of interest in it is very low. The borrower would have to be a property-holder if he wants to get these loans. Others cannot get these loans without pledging collateral.</p>
<p>The unsecured loans are for the borrowers that are without anything to offer as collateral. Such loans offer small amount and these are ideal for small businesses. The rate of interest use to be a bit higher which can be avoided by opting for other suitable loans.</p>
<p>The bad credit business loans proves to be helpful in supporting one in buying the office or the land, in buying the raw materials and machines, in hiring man power and in other related activities of business.</p>
<p>Carmen Cortez is a specialist advisor of every type of business loan and currently working as financial consultant in Fast Business Loans. For further details of bad credit business loans, new business loans, business start up loans, secured business loans visit http://www.fast-business-loans.co.uk/</p>
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		<item>
		<title>How to Market Your Small Business in a Slow Economy</title>
		<link>http://colorfulmoney.com/how-to-market-your-small-business-in-a-slow-economy/</link>
		<comments>http://colorfulmoney.com/how-to-market-your-small-business-in-a-slow-economy/#comments</comments>
		<pubDate>Sat, 23 Jan 2010 15:42:02 +0000</pubDate>
		<dc:creator>davidguide</dc:creator>
				<category><![CDATA[Cheap Used Cars]]></category>
		<category><![CDATA[Advertising]]></category>
		<category><![CDATA[Advertising agency]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Corporation]]></category>
		<category><![CDATA[Marketing]]></category>
		<category><![CDATA[Marketing and Advertising]]></category>
		<category><![CDATA[Newspaper]]></category>
		<category><![CDATA[Small business]]></category>

		<guid isPermaLink="false">http://colorfulmoney.com/?p=232</guid>
		<description><![CDATA[photo credit: Wesley Fryer When the economy is slow, the advertising budget is usually first to go. Why oh why oh why? Right when you need to get your name out there the most, you cut and slash so that poor advertising budget is only a shell of its former self. I know that running [...]]]></description>
			<content:encoded><![CDATA[<p><img style="border: 0pt none;" src="http://farm4.static.flickr.com/3527/3231168533_78c401fe12.jpg" border="0" alt="IMG_0378" width="500" height="375" /><br />
<small><a rel="nofollow" title="Attribution-ShareAlike License" href="http://creativecommons.org/licenses/by-sa/2.0/" target="_blank"><img src="http://colorfulmoney.com/wp-content/plugins/photo-dropper/images/cc.png" border="0" alt="Creative Commons License" width="16" height="16" align="absmiddle" /></a> <a rel="nofollow" href="http://www.photodropper.com/photos/" target="_blank">photo</a> credit: <a rel="nofollow" title="Wesley Fryer" href="http://www.flickr.com/photos/31442459@N00/3231168533/" target="_blank">Wesley Fryer</a></small><small><a rel="nofollow" title="fakelvis" href="http://www.flickr.com/photos/40933543@N00/3160792174/" target="_blank"></a></small></p>
<p>When the economy is slow, the advertising budget is usually first to go. Why oh why oh why? Right when you need to get your name out there the most, you cut and slash so that poor advertising budget is only a shell of its former self. I know that running a small business can be challenging. I know that you have to keep a close eye on expenses at the best of times. It can be tough. And it&#8217;s even tougher when you fall for the big business marketing model and try to use image based advertising to grow your small business. It won&#8217;t work when times are great, and it definitely won&#8217;t work when times aren&#8217;t great.</p>
<p>Image Based Advertising Won&#8217;t Work</p>
<p>Stop me if you&#8217;ve heard this one before. Big corporation with millions of dollars to waste on marketing hires huge ad agency to create a series of commercials, print ads, radio spots and billboards.<span id="more-232"></span> Every one of these ads is very cute, very clever, and very creative. There are wonderful effects and imagery, with the thought being that this particular brand will effortlessly seep into your sub-conscious and when you&#8217;re ready to buy what it is they&#8217;re selling, they&#8217;ve got you! No benefits, no offer, just image based adverising at its best. The problem is, many small business owners see this type of advertising and mistakenly believe that this is the way advertising is supposed to be. If these huge companies are doing it this way, then this must be how it&#8217;s done!</p>
<p>What Will Work For You</p>
<p>Is it any wonder around 90% of small businesses fail within the first year? I personally, don&#8217;t believe that image based advertising is even remotely worth what big corporations spend on it. And I know for a fact that it won&#8217;t work for the small business owner. Can you really afford to spend a few thousand dollars on radio or newspaper ads and hope people will think of you a few months down the road when they need what you have? A small business has to determine exactly who their target market is, find effective and affordable ways to engage that market, then create offers that will make them want to buy from you now, not later.</p>
<p>Follow the 4 U&#8217;s</p>
<p>If you can create marketing materials that follow the 4 U&#8217;s, you&#8217;ll be well on your way. The 4 U&#8217;s are urgency, uniqueness, ultra-specifity, and usefulness. If your product or service unique, ultra-specific, useful to your prospect, and creates a sense of urgency, a sale won&#8217;t be far behind. Forget the big corporation model. It won&#8217;t work for you. Find new and exciting ways to pique your prospect&#8217;s imagination and change their perception that won&#8217;t break the bank and will actually get you results.</p>
<p>In the end, that&#8217;s what it&#8217;s all about. If whichever marketing strategies you choose don&#8217;t increase your sales, you&#8217;ll just be one more of the 90% that fail every year. Don&#8217;t let that be you!</p>
<p>If you own a small business, and are interested in marketing strategies that will guarantee results, go take a look here: http://balanceadvertisingsolutions.com.</p>
<p>We use freelancers who chose to give up the corporate life for all our services. This means lower overhead for us, and much less expense for you without having to sacrifice anything in the way of quality.</p>
<p>Marketing is the single most important aspect of your business. It can make or break you, and without it, nothing else you do will even matter. Luckily, it doesn&#8217;t have to be complicated, and it doesn&#8217;t have to cost a fortune. Go take a look and change your business today: http://balanceadvertisingsolutions.com.</p>
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		<title>How Small Business Exporter Can Grow</title>
		<link>http://colorfulmoney.com/how-small-business-exporter-can-grow/</link>
		<comments>http://colorfulmoney.com/how-small-business-exporter-can-grow/#comments</comments>
		<pubDate>Thu, 29 Oct 2009 09:49:38 +0000</pubDate>
		<dc:creator>davidguide</dc:creator>
				<category><![CDATA[Cheap Used Cars]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Economy of India]]></category>
		<category><![CDATA[Entrepreneur]]></category>
		<category><![CDATA[Government of India]]></category>
		<category><![CDATA[India]]></category>
		<category><![CDATA[Indian Government]]></category>
		<category><![CDATA[International Business and Trade]]></category>
		<category><![CDATA[Small business]]></category>

		<guid isPermaLink="false">http://colorfulmoney.com/?p=239</guid>
		<description><![CDATA[photo credit: RoyvanWijk Small and mid-sized business represents the greatest base of potential exporters in India – business that could export but do not. The challenge for these small enterprises is to recognize the opportunity to expand their participation in international business by moving effectively into the international marketplace. As a major part of the [...]]]></description>
			<content:encoded><![CDATA[<p><img style="border: 0pt none;" src="http://farm4.static.flickr.com/3193/3089466347_75d9e17cc6.jpg" border="0" alt="Maersk Exporter" width="500" height="334" /><br />
<small><a rel="nofollow" title="Attribution License" href="http://creativecommons.org/licenses/by/2.0/" target="_blank"><img src="http://colorfulmoney.com/wp-content/plugins/photo-dropper/images/cc.png" border="0" alt="Creative Commons License" width="16" height="16" align="absmiddle" /></a> <a rel="nofollow" href="http://www.photodropper.com/photos/" target="_blank">photo</a> credit: <a rel="nofollow" title="RoyvanWijk" href="http://www.flickr.com/photos/29224697@N05/3089466347/" target="_blank">RoyvanWijk</a></small></p>
<p>Small and mid-sized business represents the greatest base of potential exporters in India – business that could export but do not. The challenge for these small enterprises is to recognize the opportunity to expand their participation in international business by moving effectively into the international marketplace.</p>
<p>As a major part of the economic adjustment mechanism in the Indian economy, small firms discover new market, create new products, find new markets for old products and find new ways to accomplish old tasks. The same qualities that make small firms succeed in domestic markets can be brought to bear on their ability to export.</p>
<p>The agencies represented on the task force on trade are committed to being full and active partners in efforts at the national, state and local levels to increase small business exports.<span id="more-239"></span> Our goal is to identify the needs of the small business exporter and develop a public-private sector partnership that will increase the competitiveness of small business in the international marketplace.</p>
<p>As a country that believes in the spirit of entrepreneurship, our challenge is to create an environment where entrepreneurs are able to use their creativity. We need to eliminate barriers to free enterprise, to unfetter our enterprising citizens and to encourage competition by small business in the world economy.</p>
<p>Our goal is simply stated: we seek more small business exports. We hope the coordinated efforts of the Indian Government agencies responsible for export programs will provide encouragement and support to small business across the nation as they move into the international marketplace.</p>
<p>Please visit http://www.marthub.com for more information and to place your Indian exporter company in our exporter directory.</p>
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		<title>Small Business Grant &#8211; Where Can I Get Small Business Grants?</title>
		<link>http://colorfulmoney.com/small-business-grant-where-can-i-get-small-business-grants/</link>
		<comments>http://colorfulmoney.com/small-business-grant-where-can-i-get-small-business-grants/#comments</comments>
		<pubDate>Fri, 09 Oct 2009 06:53:50 +0000</pubDate>
		<dc:creator>davidguide</dc:creator>
				<category><![CDATA[Cheap Used Cars]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[federal grant]]></category>
		<category><![CDATA[Grant]]></category>
		<category><![CDATA[Non-profit organization]]></category>
		<category><![CDATA[Small business]]></category>
		<category><![CDATA[Supplemental Funding]]></category>
		<category><![CDATA[Technology]]></category>

		<guid isPermaLink="false">http://colorfulmoney.com/?p=241</guid>
		<description><![CDATA[photo credit: pdbreen In case you are looking to open a small business, you would be looking for a suitable business grant as well. Well, business grants are not so easily available and cannot be had over the platter. This is when you need to know the legal tricks which can get you what you [...]]]></description>
			<content:encoded><![CDATA[<p><small><a rel="nofollow" title="philip-odegard" href="http://www.flickr.com/photos/29736408@N03/3346731134/" target="_blank"></a></small></p>
<p><a rel="nofollow" title="In Flight" href="http://www.flickr.com/photos/72559856@N00/3363854848/" target="_blank"><img src="http://farm4.static.flickr.com/3562/3363854848_c97c68f44f.jpg" border="0" alt="In Flight" /></a><br />
<small><a rel="nofollow" title="Attribution License" href="http://creativecommons.org/licenses/by/2.0/" target="_blank"><img src="http://colorfulmoney.com/wp-content/plugins/photo-dropper/images/cc.png" border="0" alt="Creative Commons License" width="16" height="16" align="absmiddle" /></a> <a rel="nofollow" href="http://www.photodropper.com/photos/" target="_blank">photo</a> credit: <a rel="nofollow" title="pdbreen" href="http://www.flickr.com/photos/72559856@N00/3363854848/" target="_blank">pdbreen</a></small></p>
<p>In case you are looking to open a small business, you would be looking for a suitable business grant as well. Well, business grants are not so easily available and cannot be had over the platter. This is when you need to know the legal tricks which can get you what you desire the most. Well, here are 2 points which would aid you in availing a suitable business grant for yourself. If you follow these methods, you are sure to get your choicest grant in no time at all.</p>
<p>Choose To Start A New Technology Based Business</p>
<p>Whenever you are on the lookout for a government grant to start a new business, you need to make sure that you do so only after studying your business with utmost care. In simple words, you need to make sure that you start a business which is bound to involve the usage of a new technology. If you have a new technology in place, you can easily hope to get your choicest grant from the central government. In case you are planning to set up a non profit organization, the chances are that you would be able to receive your grant in no time at all. <span id="more-241"></span></p>
<p>Look For A Suitable Online Program</p>
<p>One of the main reasons why people often get their grants rejected is because they go through companies which have no say in the process. In simple words, if in case you are on the lookout for a suitable grant, you need to try and see whether the online grants company has the required expertise to aid you in the entire process or not.</p>
<p>Follow me and get your Small Business Grant today. Get immediate access to over 2500 grant opportunities that are available to you right now. I have done the research for you. Check out my review and save your time. Get thousands of dollars in free small business grant money today at http://www.quickgovernmentgrants.com/</p>
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		<title>Business Loans For Minority Women</title>
		<link>http://colorfulmoney.com/business-loans-for-minority-women/</link>
		<comments>http://colorfulmoney.com/business-loans-for-minority-women/#comments</comments>
		<pubDate>Thu, 20 Aug 2009 16:06:28 +0000</pubDate>
		<dc:creator>davidguide</dc:creator>
				<category><![CDATA[Cheap Used Cars]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Business Plan]]></category>
		<category><![CDATA[SBA]]></category>
		<category><![CDATA[Small business]]></category>
		<category><![CDATA[Small Business Administration]]></category>
		<category><![CDATA[United States]]></category>
		<category><![CDATA[Venture capital]]></category>
		<category><![CDATA[Wells Fargo]]></category>

		<guid isPermaLink="false">http://colorfulmoney.com/?p=175</guid>
		<description><![CDATA[photo credit: the_toe_stubber If you are of an ethnic minority or a woman, you may be able to secure funds which are earmarked for business development. Minority business loans for women are granted through many government organizations and businesses, helping minority business owners to start a new business or expand and existing one. Before you [...]]]></description>
			<content:encoded><![CDATA[<p><img style="border: 0pt none;" src="http://farm4.static.flickr.com/3116/2661960743_774e6d255d.jpg" border="0" alt="Sactown Has Attractive Women" width="500" height="479" /><br />
<small><a rel="nofollow" title="Attribution License" href="http://creativecommons.org/licenses/by/2.0/" target="_blank"><img src="http://colorfulmoney.com/wp-content/plugins/photo-dropper/images/cc.png" border="0" alt="Creative Commons License" width="16" height="16" align="absmiddle" /></a> <a rel="nofollow" href="http://www.photodropper.com/photos/" target="_blank">photo</a> credit: <a rel="nofollow" title="the_toe_stubber" href="http://www.flickr.com/photos/77703735@N00/2661960743/" target="_blank">the_toe_stubber</a></small></p>
<p>If you are of an ethnic minority or a woman, you may be able to secure funds which are earmarked for business development. Minority business loans for women are granted through many government organizations and businesses, helping minority business owners to start a new business or expand and existing one.</p>
<p>Before you apply for any small business loans, it is important to first lay out a clear business plan. Minorities and women can get financing for their business ventures, but only if those ventures appear to be lucrative and professional. After all, it would be difficult to get a loan for a grasshopper farm if there is no clear method of doing business, no apparent market, etc. On the other hand, if you can demonstrate how you will operate the farm, where the grasshoppers will be sold, and the estimated cost vs. profit projections, you are much more likely to get a loan approval. In other words, make your business plan clear, concise, professional, and the best it can possibly be.<span id="more-175"></span></p>
<p>An exclusive federal agency, the Minority Business Development Agency, was created to foster the growth and establishment of minority and women-owned businesses. The MBDA networks with various funding venues such as Business Resource Centers, Native American Business Development Centers, and Minority Business Development Centers across the nation. These resource centers serve minority and women entrepreneurs through personalized assistance with marketing, business plans, technical assistance, management strategies, and financial planning. In addition, minority business loans for women can be secured through these agencies for business ventures.</p>
<p>Business loans are commonly granted to those who demonstrate professionalism, who establish advisory boards, who keep a close eye on various government funding sources, and who expect to win. At the same time, it is important to remember that some business loans are difficult to obtain simply because of the way they are designed, such as loans for seniors in business or for work-at-home enterprises. Sadly, the preconceived notions or prejudices against minorities, senior citizens, women, etc. are inaccurate at the least, and blatantly ignorant at the most. By demonstrating true professionalism in all aspects, you will be able to overcome these prejudices and gain the loan you deserve.</p>
<p>There are numerous minority business loan programs across the United States, as well as abroad. Any entrepreneur who needs assistance in putting together a business plan, loan application, or any other business-related issue can find help through their local small business development centers. These agencies provide personal attention to minority and women business owners. In addition, they often grant minority business loans for women or ethnic minorities when loans have been denied through traditional lenders.</p>
<p>The Small Business Administration also aids in the development and funding of small businesses. Although the agency does not directly loan money to business owners, it does serve to guarantee the loan through a traditional lender. Entrepreneurs must apply for an SBA-guaranteed loan through their local agency. Once they are approved, they can seek out an SBA approved lender. Most banks can serve as a potential lender, but eligibility requirements may vary between institutions. Among the countless SBA approved banks, Bank of America ranks the highest when it comes to customer service and the granting of minority business loans for women and ethnic minorities.</p>
<p>Another woman and minority-friendly bank is Wells Fargo, which has agreed to lend as much as $100,000 dollars to any women, Latino, or African-American owned business who meets certain business criteria.</p>
<p>In addition to traditional banks, small business investment companies provide minority business loans for women on a regular basis. These companies are managed investment firms and are privately owned, offering startup financing and venture capital for small businesses. Small business investment companies are strictly regulated and licensed by the SBA, providing added peace of mind and security for the borrower.</p>
<p>Author: Rebecca Game is a 30 year entrepreneur and owner of Digital-Women®, an online networking community for women in business. Visit: <a rel="nofollow" href="http://www.digital-women.com/" target="_blank">Digital Women- Loans for Women</a>.</p>
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		<title>Options For Business Financing</title>
		<link>http://colorfulmoney.com/options-for-business-financing/</link>
		<comments>http://colorfulmoney.com/options-for-business-financing/#comments</comments>
		<pubDate>Thu, 20 Aug 2009 16:06:27 +0000</pubDate>
		<dc:creator>davidguide</dc:creator>
				<category><![CDATA[Cheap Used Cars]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Competition]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Financial services]]></category>
		<category><![CDATA[Fixed cost]]></category>
		<category><![CDATA[Leasing]]></category>
		<category><![CDATA[Leasing Services]]></category>
		<category><![CDATA[Small business]]></category>

		<guid isPermaLink="false">http://colorfulmoney.com/?p=270</guid>
		<description><![CDATA[Finding business financing is especially important to small and medium companies all around the world who are mainly supported by financial institutions. Business financing is what most medium and small entrepreneurs are concerned about. The reason for this is the fact that these types of businesses are important in the new world of globalized commerce. [...]]]></description>
			<content:encoded><![CDATA[<p><img style="border: 0pt none;" src="http://farm3.static.flickr.com/2534/3820058634_69ff532ab2.jpg" border="0" alt="Doing business in Second Life, book presentation" width="500" height="333" /><br />
<small><a rel="nofollow" title="Olando7" href="http://www.flickr.com/photos/25186433@N03/3820058634/" target="_blank"></a></small>Finding business financing is especially important to small and medium companies all around the world who are mainly supported by financial institutions.</p>
<p>Business financing is what most medium and small entrepreneurs are concerned about. The reason for this is the fact that these types of businesses are important in the new world of globalized commerce. Competition is increasing and banks are more reluctant to give the so much needed business financing.</p>
<p>Here we present you a set of options if you are looking for commercial financing.</p>
<p>The most common route taken by new entrepreneurs is to create a budget for equipment and the first investment and request business financing through commercial loans.</p>
<p>Industrial companies depend highly on the equipment they use. When commercial loans are not an option, leasing can be a good source for business financing.<span id="more-270"></span> A leasing company will let you rent the equipment you will need for production and then bill you. You decide the terms through a contract that may or may not establish a purchase option at the end. The user is not entitled to the ownership of the equipment if the contract does not mention it.</p>
<p>Leasing is popularly used by companies that have vehicles and equipment because the leaser often provides maintenance.</p>
<p>The institutions that provide business financing will have a set of criteria that companies must match in order to qualify.</p>
<p>One factor funders will consider is the amount you are requesting and what the impact of the investment. Generally, banks will not give you all of the money you request. It will be up to the owner to finance up to a 30 percent. Leasing companies work differently. They will give you 100% of what you request the first time.</p>
<p>The prices of leasing have dropped due to the changes in the market. The prices are now more competitive because the offer has risen. Leasing companies when linked to banks give affordable prices.</p>
<p>The use of the equipment is the determining factor in choosing the mode of business financing. When the production process is stable, with good visibility on the duration and rate of utilization of equipment, commercial loans are often pertinent. However, once the investment decision is a gamble on the success industrial or commercial, leasing will be preferred. The leader keeps the possibility of separating equipment that has become unnecessary and recalculates a portion of the fixed costs.</p>
<p>Pro-BargainHunter.com Multiple Pre-Screened Vendors competing for your business Installation and Training Equipment Leasing<br />
Lawn and Garden Equipment Leasing</p>
<p>Be sure to View Pro-BargainHunter.com and http://IMMFinancial.com for more information</p>
<p><small><a rel="nofollow" title="Attribution License" href="http://creativecommons.org/licenses/by/2.0/" target="_blank"><img src="http://colorfulmoney.com/wp-content/plugins/photo-dropper/images/cc.png" border="0" alt="Creative Commons License" width="16" height="16" align="absmiddle" /></a> <a rel="nofollow" href="http://www.photodropper.com/photos/" target="_blank">photo</a> credit: <a rel="nofollow" title="Olando7" href="http://www.flickr.com/photos/25186433@N03/3820058634/" target="_blank">Olando7</a></small></p>
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		<title>Creative Business Financing Techniques &#8211; Peer to Peer Lending</title>
		<link>http://colorfulmoney.com/creative-business-financing-techniques-peer-to-peer-lending/</link>
		<comments>http://colorfulmoney.com/creative-business-financing-techniques-peer-to-peer-lending/#comments</comments>
		<pubDate>Mon, 03 Aug 2009 01:20:57 +0000</pubDate>
		<dc:creator>davidguide</dc:creator>
				<category><![CDATA[Cheap Used Cars]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Financial services]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Prosper Marketplace]]></category>
		<category><![CDATA[SBA]]></category>
		<category><![CDATA[Small business]]></category>
		<category><![CDATA[Small Business Administration]]></category>
		<category><![CDATA[United States]]></category>

		<guid isPermaLink="false">http://colorfulmoney.com/?p=264</guid>
		<description><![CDATA[When most entrepreneurs think about loan financing for their small business, they think about the two obvious options: traditional bank loans and SBA loans. However, there&#8217;s a third crucial type of loan that often goes overlooked. Peer-to-peer lending is a novel concept that brings all the benefits of the banking system within arm&#8217;s reach for [...]]]></description>
			<content:encoded><![CDATA[<p><img src="http://farm3.static.flickr.com/2605/3788730609_5bc25448d7.jpg" border="0" alt="Victorian House" /><br />
When most entrepreneurs think about loan financing for their small business, they think about the two obvious options: traditional bank loans and SBA loans. However, there&#8217;s a third crucial type of loan that often goes overlooked. Peer-to-peer lending is a novel concept that brings all the benefits of the banking system within arm&#8217;s reach for many more small businesses.</p>
<p>Peer-to-peer lending is exactly what it sounds like-one person lending money to another. There are several web sites out there that cut through all the red tape of the banking system, allowing more people to receive the small amounts of funding they need. Prosper.com is an excellent example. The website serves as a digital loan marketplace, where multiple lenders offer bids and compete (think eBay) to fund members who need loans. Once acceptable terms are reached, the debtor receives their funding, and Prosper handles all administrative tasks. The creditors&#8217; outstanding loan assets can then be traded as securities through the company&#8217;s marketplace. These features are what make Prosper an excellent option for companies who need small amounts of funding.<span id="more-264"></span></p>
<p>Another possible source of small business financing through peer-to-peer lending is LendingClub.com. A similar model is used on this site as well-by introducing more competition on the lender&#8217;s side, consumers are able to receive lower rates on their loans. Conversely, these websites are also investment opportunities for people who would like to provide financing for others.</p>
<p>These two sites primarily focus on lending to people in the United States. However, they&#8217;re a part of a larger global trend toward microfinance. Microfinance is the practice of giving very small loans to entrepreneurs who would otherwise be unable to get loans in the traditional banking system. This trend is particularly focused on lending to entrepreneurs in developing nations. Sites such as Kiva.com operate by lending money to small businesses and tradespeople for the purpose of long-term poverty relief. It is funded by individual lenders and offers loans as small as a few hundred dollars.</p>
<p>Today&#8217;s entrepreneur, whether operating in a developed or developing nation, would be wise to consider this unique form of financing. It removes much of the red tape and middlemen from banking, making it an excellent opportunity to fund a small business.</p>
<p>Growthink recently released a report for entrepreneurs entitled &#8220;The Definitive Guide to Raising Capital from Creative and Alternative Financing Sources.&#8221; For more information on creative financing visit http://www.growthink.com/products/creative-financing-guide.</p>
<p><small><a rel="nofollow" title="Attribution-ShareAlike License" href="http://creativecommons.org/licenses/by-sa/2.0/" target="_blank"><img src="http://colorfulmoney.com/wp-content/plugins/photo-dropper/images/cc.png" border="0" alt="Creative Commons License" width="16" height="16" align="absmiddle" /></a> <a rel="nofollow" href="http://www.photodropper.com/photos/" target="_blank">photo</a> credit: <a rel="nofollow" title="roarofthefour" href="http://www.flickr.com/photos/18702768@N04/3788730609/" target="_blank">roarofthefour</a></small></p>
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		<title>Writing A Winning Business Plan</title>
		<link>http://colorfulmoney.com/writing-a-winning-business-plan/</link>
		<comments>http://colorfulmoney.com/writing-a-winning-business-plan/#comments</comments>
		<pubDate>Wed, 28 Jan 2009 19:22:09 +0000</pubDate>
		<dc:creator>davidguide</dc:creator>
				<category><![CDATA[Cheap Used Cars]]></category>
		<category><![CDATA[American football]]></category>
		<category><![CDATA[American football positions]]></category>
		<category><![CDATA[Association football]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Business Plan]]></category>
		<category><![CDATA[Customer base]]></category>
		<category><![CDATA[Small business]]></category>
		<category><![CDATA[Team sport]]></category>

		<guid isPermaLink="false">http://colorfulmoney.com/?p=223</guid>
		<description><![CDATA[First &#8211; stop thinking like a business owner. I know, you might think this is odd. However, the reason most business owners don&#8217;t write a business plan is because they are too close to their challenges and can&#8217;t decide what they need to do. Stepping out of character will help you see the big picture [...]]]></description>
			<content:encoded><![CDATA[<p><a rel="nofollow" href="http://photobucket.com/images/green%20business" target="_blank"><img src="http://i158.photobucket.com/albums/t103/Tricialyn/Business/business-people-world.gif" border="0" alt="Bus People 2 Pictures, Images and Photos"/></a><br />
First &#8211; stop thinking like a business owner. I know, you might think this is odd. However, the reason most business owners don&#8217;t write a business plan is because they are too close to their challenges and can&#8217;t decide what they need to do. Stepping out of character will help you see the big picture and the little details so you can focus on what to do.</p>
<p>Since this was written during championship football season, I want you to assume the role of a winning college or professional sports coach. It doesn&#8217;t matter if you are a woman or a man for this job. The goal will be the same. You will want to prepare your team to win the championship game by as many points as possible. If you have trouble with football, pick any team sport and the concept will work. The idea is to get into the character of a winning coach to help you create a plan.<span id="more-223"></span></p>
<p>Think like 60 Minutes is all You Have</p>
<p>A football game is divided up like a business year. There are four quarters and two minute warnings you must plan for. You will need plays and actions for kicking things off, receiving special team opportunities and think offense and defense to win.</p>
<p>Understand You and Your Opponent</p>
<p>Winning coaches invest time to research opponents and you need to determine both your strengths and weaknesses. If you don&#8217;t take time for this, you will get clobbered by the other teams. Use this research and analysis to formulate your complete game strategies and special plays.</p>
<p>Plan For Special Plays</p>
<p>Every team will need specials plays to kick off, receive, punt, and defend the red zone and two minute warning. These are special opportunities you have in the year from new equipment, vendor specials, trade shows or open houses you can plan for.</p>
<p>The Offensive Game Plays</p>
<p>You will need a list of offensive running and passing plays to execute during the game. These are easy to think about and you must plan for them.</p>
<p>    * Action plans to start a new business relationship and move forward.<br />
    * Actions to build a stronger customer base.<br />
    * Actions to generate referrals for new clients from existing ones.<br />
    * Open house and networking actions you will execute for new business.</p>
<p>The Defensive Plays</p>
<p>You will need a list of defensive plays that protect your accounts and seize opportunities. These could include a blitz or a pass rush that capitalizes on an opportunity.</p>
<p>    * Action plans that develop satisfied clients and builds strong relationships.<br />
    * Surveys that will help determine if you have new opportunities or lost business.<br />
    * Monitor and track competitive actions that may impact your current business.<br />
    * If you can, have contingency plans for injuries, bad calls and penalties in the game.</p>
<p>I hope you see the advantage of planning from a different perspective to make your sales plan fun and much easier to write. Your business plan doesn&#8217;t have to be 20 pages long. You need a single sheet that covers the actions you will take to win the game in your business. When you finish writing your business plan, it should be on a 12 month calendar with goals and objectives for each quarter.</p>
<p>A complete game plan makes it easier to adjust actions during the game and in your case, the business year so you can motivate your team throughout the year. If you need help with your plan, I suggest you take time to watch a championship game. Think of it as research. You will be done with your sales plan sooner than you think and it will be fun.</p>
<p>Written by Steve Martinez, President of Selling Magic. http://www.sellingmagic.com &#8211; Selling Magic teaches businesses how implement winning strategies and develops sales and marketing programs.</p>
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		<title>Start Your Own Landscaping Business &#8211; How to Make Your Company Grow</title>
		<link>http://colorfulmoney.com/start-your-own-landscaping-business-how-to-make-your-company-grow/</link>
		<comments>http://colorfulmoney.com/start-your-own-landscaping-business-how-to-make-your-company-grow/#comments</comments>
		<pubDate>Wed, 28 Jan 2009 18:11:25 +0000</pubDate>
		<dc:creator>davidguide</dc:creator>
				<category><![CDATA[Cheap Used Cars]]></category>
		<category><![CDATA[Advertising]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Company]]></category>
		<category><![CDATA[Corporation]]></category>
		<category><![CDATA[Craigslist]]></category>
		<category><![CDATA[Martin Thomas]]></category>
		<category><![CDATA[Small business]]></category>
		<category><![CDATA[Target market]]></category>

		<guid isPermaLink="false">http://colorfulmoney.com/?p=219</guid>
		<description><![CDATA[One easy and beautiful way to earn lots of money is by starting your own landscaping business. If you have the necessary gardening skills, and talents and of course some administrative skills to run the business, this kind of enterprise can prove to be both fulfilling and profitable. The first thing you should consider is [...]]]></description>
			<content:encoded><![CDATA[<p><img src="http://farm3.static.flickr.com/2166/3540219476_33c8682e26.jpg" border="0" alt="Pink flowers by Amelia" /></p>
<p>One easy and beautiful way to earn lots of money is by starting your own landscaping business. If you have the necessary gardening skills, and talents and of course some administrative skills to run the business, this kind of enterprise can prove to be both fulfilling and profitable.</p>
<p>The first thing you should consider is the target market of your company: consumer or corporate.</p>
<p>The consumer field includes landscaping for residential areas, where people might be too busy to maintain their lawns and therefore prefer a professional to do the work for them. The corporate field involves gardening for companies and government establishments.<span id="more-219"></span> Such entities always have a professional come in to do the work on their lawns.</p>
<p>When starting a company that specializes in this field, you should hire appropriate employees with some experience if possible. You need to pay them a decent salary and provide them with ongoing training so they stay with you in the long term.</p>
<p>If you provide a quality service to your clients, there is a chance that they might refer other companies or friends to your company, eventually resulting in more long term customers for you. The more clients you attract, the more money you will earn and the faster you can expand by hiring more employees and increasing your advertising.</p>
<p>One of the best ways to advertise your services is over the Internet. You can set up your own website or promote your services on free classified sites such as Craigslist.</p>
<p>The landscaping business needs some serious dedication, just like any other commercial enterprise. You also need some creativity and originality so you can offer different lawn designs and improvements to your clients.</p>
<p>If you need money now, like I mean in the next hour, try what I did. I am making more money now than in my old business and you can too: read the amazing, true story of Martin Thomas in the link below. When I joined I was skeptical for just ten seconds before I realized what this was. I was smiling from ear to ear and you will too.</p>
<p>Imagine doubling your money every week with no or little risk! To discover a verified list of Million Dollar Corporations offering you their products at 75% commission to you, click the link below to learn HOW you will begin compounding your capital towards your first Million Dollars at the Easy Corporate Money Program.</p>
<p>http://www.incomeforfreedom.com</p>
<p><small><a rel="nofollow" title="Attribution-ShareAlike License" href="http://creativecommons.org/licenses/by-sa/2.0/" target="_blank"><img src="http://colorfulmoney.com/wp-content/plugins/photo-dropper/images/cc.png" border="0" alt="Creative Commons License" width="16" height="16" align="absmiddle" /></a> <a rel="nofollow" href="http://www.photodropper.com/photos/" target="_blank">photo</a> credit: <a rel="nofollow" title="CaterinaAnna" href="http://www.flickr.com/photos/91613901@N00/3540219476/" target="_blank">CaterinaAnna</a></small></p>
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