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As a small business owner, there will be a time where you need to access capital to keep your business moving forward. Most entrepreneurs rely on personal credit cards, but revolving credit is a great tool that small business owners can use to get the financing they need. Read on to learn what a revolving credit is and how it works.
Reviewing your bank statements each month can help you track and manage your spending and expenses. Learn what you need to know about bank statements and how to use them to make smarter financial decisions.
Business disruptions can happen at any time, and they often happen without any advance notice. Unplanned events can take different forms which include natural disasters, economic turns, cyber attacks and more. These unplanned events can slow your business down or even stop all the business operations.
The truth is your business cannot survive if you cannot manage your cash flow. Over 80 percent of startups and small businesses fail due to poor cash flow management. So this means that even if you have a profitable company and have a great business model, you need to focus on the cash flow of your company to avoid putting your business in danger.
To have a successful business, you need to aim to have high profit margins. A profit margin is the percentage of revenues that remain after subtracting cost of good sold. Read on to learn about the top ways to increase your profit margins for your business.
A payday loan is a short-term loan for a small amount that comes at a high cost which is mean to be repaid with the borrower’s next paycheck. Payday loans require only an income and bank account and are often made to people who have bad or nonexistent credit.
Pre-qualifying for a personal loan is a preliminary step in the loan approval process. It gives lenders a preview of your creditworthiness and gives you a preview of the loan you might receive. Getting pre-qualified, however, doesn't guarantee you a loan; lenders will verify your information before final approval.
A signature loan is a fixed-rate, unsecured personal loan offered by an online lender, bank or credit union. It’s called a signature loan because it’s secured by your signature instead of collateral, like a car or an investment account.
An installment loan is a lump sum amount of funds that you can use to make a purchase. After you take out the loan, you need to make regular payments over the loan term to repay it. The payments are called installments so that is where the term installment loan comes from.
Being a small business owner means that you will have a lot of expenses need to make so the last thing on your mind might be thinking about investments. However, investments are important to make your business grow.
