Wednesday 10 December 2014

Grow Your Small Businesses With Help Of Small Business Loan


These days, many entrepreneurs planning to start a new small business and some entrepreneurs are struggling to raise capital to fund their business ventures. The recession has seen in the world of small business loan become increasingly restrictive by large banks. There are so many costs such as premise, equipment, labor, permits and regulations mount up quickly, and need capital.

All businesses become dependent on bank loans and other short-term funding options. Now is the time to start finding the options that can really make a difference to your chances of Success.

Finding the Best Funding Options
Options are many and varied in nature and the qualifications for each are specific. Here is a look at some traditional sources of capital:

Bank loans: The collective bank loan balances of small businesses have fallen more than 10-15 percent over the past few years.While large banks sharply cut lending to small businesses, they have a more "rigid" process and generally work only with the most creditworthy borrowers.Whereas community banks are actually providing more such type of loans.

Small Business Administration loans: SBA lending reaching the higher levels. Risk-averse banks may prefer making SBA loans because the government guarantees as much as 85 percent of the loan in the event of default.But there are still areas of weakness, particularly smaller loans e.g. less than $250,000.
Venture capital: Venture capital firms invest in early stage and high growth small firms in exchange for a portion of the company.Even, if the number of dollars invested is flat, the number of new companies receiving funds may decline. Venture capital firms are more likely to invest in their existing companies than take on new risks.

Asset-backed lending: Asset backed loans have become more popular which are based on the value of collateral. Although, the process is quite expensive over availing a regular bank loan.

Debt Financing (Guaranteed Loan Program)
Some banks and financial firms do not make direct small business loan. Which are made by its partners (lenders, community development organizations, and micro lending firm). Bank guarantees these loans, thus eliminating some of the risk to the lending partners. 

Surety Bond Guarantee Programs
Surety Bond Guarantee (SBG) helps small business contractors who cannot obtain surety bonds through regular commercial channels.A surety bond is a three-party agreement between a surety, a contractor and a project owner. The Instrument of agreement binds the contractor to comply with the terms and conditions. If the contractor is unable to successfully perform the contract, the surety takes the contractor's responsibilities and ensures that the project is completed.

A Quick Understanding about Small Business Loans
An individual should go for that type of small business loan option which meets with the requirements. 
Fulfilling  all requirements
Quick approval, hassle-free processing and minimal paperwork
Easy repayment Options
Convenience of service
Credit Shield offerings (Insurance Cover for the loan)

10 comments:

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