Small Business Loans – Easier Source for Financing a Project

As business person, you are always looking for business opportunities and many of them require you to spend smaller money. For instance there is a book store for sale around your vicinity and you want to buy it. It requires small financial help as you would be investing rest of the money from own pocket. So, small business loans come handy and are meant to serve such a business situation.Small business loans sound as if they are provided very easily but that is not the case always. If the borrower has offered a property like home, equipment or any valuable property as collateral, small business loans are easier to avail as risks for the lender are reduced. The loan amount approved usually is up to a certain percentage of value of collateral. But that is not all. More than collateral, lender would see if you have sufficient experience in the business or not. Lenders see risks in a new business. This means that lenders would like to look into the type of business. Repaying capacity of the borrower also is of prime concern to the lenders in approving small business loans. Lenders like to invest their money as small business loan preferably in a business that is earning enough or has potential to earn, so that the borrower returns back the loan in regular manner. for very smaller loan, unsecured business loan can be availed at higher interest rate. Unsecured smaller business loan is usually offered to the business people having excellent credit history and is offered without collateral.Before you approach a small business loan provider, make sure that you have relevant documents ready. But prior to showing the documents you must be ready with a sound business plan that is capable of projecting the purpose of the loan or where shall it be invested. Lenders would like to have a deep look into your repaying capacity through different documents. Take cash flow projections of your business for concrete financial data. The lender would like to have a list of your personal assets and debts and in case of established business, business tax returns may be required for showing about financial health of the business.Also note that many financial institutions especially banks require you as small business loan applicant to invest a percentage of total monetary requirement of a project from own pocket. So be prepared to make a down payment for the business when asking for a small business loan.If a business person has bad credit, it is advisable that he should first make efforts to improve credit score. For instance he can pay off some easy debts for enhancing credit score. This way it would be easier for lender to consider bad credit borrower for small business loan.There are many small business loan providers on internet. Compare there interest rates and terms-conditions for a better loan deal. Preferably apply to an online lender as he can process the loan faster.No doubt small business loans are most useful for smaller financial needs. Make sure that you pay off small business loan installments regularly so that you escape any debt trap. Your credit scored also gets improved with clearing of each installment.

Senior Employment Can Be A Golden Prize!

Do you want senior employment? Are you 50 years of age or older and hoping and praying to land a job?Whatever your motivation to find work is, welcome to a labor market seemingly tilted against senior employment seekers. But take heart! Golden opportunities now abound for senior job seekers and the ball is in their court. There’s great news for you and dire warnings for all the critics.Newspapers trumpet headlines about seniors unable to get even minimum pay jobs. Employment fairs advertise work for anyone breathing, but they’re generally low paying $10-$12 openings. The young people staffing the application desks at these fairs seem to be mentally jotting down your age when you ask for a sign up sheet.Why is this good news? Because contrary to appearances, The United States is on the brink of an incredible labor shortage. Well respected economists predict a huge labor shortage that is making itself felt even at this moment in time. How big a labor shortfall is looming on the horizon? Some estimates run as high as 10 million unfilled positions by the year 2010.Millions of senior employees are rapidly nearing retirement. At the same time fewer and fewer younger people are coming of age to fill the vacuum. Many astute business executives of today are growing keenly aware of the worker shortfall on the horizon.Even Congress is now taking notice of the coming labor shortage. Legislation is being discussed now to provide tax credits to companies opening up flexible senior employment work schedules.All for senior employees 62 years of age or older. The icing on the cake is that health and pension benefits will be included. Be optimistic if you’re an individual seeking senior employment! With a little homework, preparation and a small dash of creativity, you can get excellent work for yourself right now.Don’t be surprised at all the opportunities out there. You’ll discover that there are a lot of options for you to choose from, more than you ever dreamed of. You won’t have to settle for just any old job that’s offered. Take out a piece of paper right now and begin jotting down a list of jobs you’d like to have. And please underline the word like. Along with it, write out your work experience and what you want to do. If you’re a senior employment seeker, then you’ve earned a lot of experience in many different areas over the years.Don’t forget to put in your hobbies too! You’d be surprised at what things like fishing and bowling can add to your job description. And this is a campaign just as important as any battle waged by the general of an army.Do you like reading about sports and politics? Add those to the mix too! Now, when you’ve finished the list decide what type of jobs you’d like to have. No matter how far afield from what you’ve worked at in the past. Meditate about it until you come up with several possibilities. And remember, the sky’s the limit.When you’ve decided on a few jobs you’d be happy doing, research the businesses that offer senior employment. Then call them and get the names of the managers that do the hiring.Finally, make out a brief resume of your work history. Now is where creativity comes into the picture. Compose a short, single page cover letter. Make it brief, and don’t just rehash the things you listed in your resume.On the cover letter, itemize what you’ve done to warrant hiring you for the position you want.Be truthful, but tell them what you can do to fulfill the job’s bottom line. You’ll be surprised, because the cover letter is often the deciding factor in hiring.When you’ve finished, make a personal visit to the business and ask to see the hiring manager. It’s a good idea to call first and make an appointment if possible. But don’t hesitate to make an unannounced visit if needed though. Whatever the outcome of the meeting, leave a copy of your resume and cover letter.Within the next three days, if you haven’t heard back from the hiring manager, call on the phone and ask for him/her. The follow up phone call will demonstrate your desire for the job. Most personnel specialists agree that this course of action is one of the most effective methods to acquire senior employment. Even if the company isn’t advertising an opening, it can often lead to a job in an anticipated opening in the future.So, don’t figure the only job you can get is flipping burgers or packing groceries. You have talents and experience that companies are hungry for now, and you’re valuable. As a person seeking senior employment, you also come equipped with an old fashioned work ethic not in over abundance in today’s workplace.Pick out the type of work you want to do…and go for it!Be assured, the national and local labor markets now realize that being a senior employment applicant carries with it added experience, talent and knowledge.

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