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Free
Money for Small Businesses and Entrepreneurs by Laurie Blum
A widespread listing features
more than six hundred private sector sources of capital for start-up, research
grants, and more. Includes addresses, available amounts, requirements,
application and proposal guidelines, and meeting strategies. The previous
editions of Free Money have helped thousands of entrepreneurs and other
small business professionals get established. Now, this completely revised
and updated edition lists more than 600 sources of capital available from
sources in the private sector. |
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Unlocking
the Cash in Your Company: How to Get Unlimited Funds without a Loan
Introduces an alternative
means of financing which is often available to those who cannot obtain
a bank loan. Will this form of financing -- factoring -- help your business?
Learn how selling your invoices can generate immediate cash flow… who can
qualify… how factoring differs from other financing… when to factor and
when not to… how to find the right factor… and much more. |
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CASH
FLOW
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flow is the term used to describe the movement of money in a business -
the money coming in (revenue) versus the money going out (expenses and
overhead). Maintaining a proper cash flow is probably the most important
factor for a business to be successful. It's vital to calculate your cash
flow. Sales and revenues aren't constant, and because of that managing
your cash efficiently is just as important to a small business as it is
to a big company. Whether your business operation is a small or big, the
name of the business game is: SELL THE PRODUCTS OR SERVICE & GET
PAID FOR THEM |
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GETTING
PAID
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You Have For Getting Paid:
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MAKING
PAYMENTS
Manage
your payments as efficiently as possible. You have to evaluate various
payment methods to determine which are best for your business.
TAKE
ADVANTAGE OF THE TRADE CREDIT, PAY AS LATE AS REASONABLY POSSIBLE - UNLESS
YOU'RE TAKING DISCOUNT FOR EARLY PAYMENT. |
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You Have For Making Payments:
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CASH
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ADVANTAGES
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The most straightforward transaction and business receives immediate value.
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It is still the most common transaction and many people like cash and feel
very comfortable paying with cash. |
DISADVANTAGES
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It has to be sorted, counted and taken to the bank daily, and that it is
time-consuming process.
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Security risks are present (robbery, counterfeit, shortages resulting from
employee errors).
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It is expensive, because banks charge to handle cash. |
Tips
To Avoid Risk Of Robbery:
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Keep small amounts of cash on hand
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Deposit cash daily
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If you have large amounts of cash, make more deposits daily
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Never hold cash overnight, use night deposit services |
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CASH
TIP
Business
owners rarely pay suppliers in cash, but there may be
occasions when you pay cash for something If you pay cash for something,
obtain a receipt or you won't be able to claim that expense.
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CHEQUES
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ADVANTAGES
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Reduced risks of robbery.
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They usually boost sales, because buyers are not limited by amount.
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Some buyers like paying by cheque because they have a record of their payments. |
DISADVANTAGES
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Risk of getting paid by bad cheque.
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Risk of non-suficient funds in the issuer's account to cover the cheque.
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Handling cheques is time consuming.
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Cheque cashing services are costly. |
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Cheque
Payments Tips:
As
a business owner, you'll probably most often pay suppliers by issuing a
cheque on your current account. Make sure your bank statement is up to
date and keep record of all your payments.
When
you send your cheque to your supplier by mail, make sure it reaches its
destination by the due date.
Check
the account and make sure you have funds to cover all your cheques.
If
your payment will be late, warn your supplier and send it when promised. |
CHEQUE
TIPS
- To minimize
the risk of bad cheques ask for identification with a photograph and signature
on it, and check the signature and photo.
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Ask the issuer to sign cheque in front of you, so you can verify the signature.
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Record address and phone number and make sure they exist.
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For a large purchase, make it policy to deliver the item in several days
(in that case you have time to cash the cheque before you hand over the
product).
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Make sure it's not post dated (later than current date).
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Make sure it's not stale dated (dated 6 months before the current date),
it is most common early in the new year, when people mistakenly write the
old year.
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Look carefully and be sure the written amount matches the figure. |
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PRE-AUTHORIZED
PAYMENTS
Payments, such as insurance,
mortgage, loan etc., can be paid automatically from your bank account each
month and this arrangement can save your time and worry of neglecting a
payment. |
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ELECTRONIC
PAYMENTS - EDI
Electronic Data Interchange
or EDI, is still new option and for now some companies are using it to
make payments & orders without any papers, just by using special software
for your personal computer.
For example, you place your
order from your computer to your supplier's computer. Their computer receives
and place your order.The ordered shipment is sent to you and invoice for
that transaction is sent electronically from supplier's computer to your
computer. Your computer, when payment is due, initiates the payment from
your account to the supplier's account. |
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BACK
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Governmental
and Private Foundation Grant Programs
There are more than 25,000 Governmental
and Private Foundation Grant Programs available
in the U.S. Today. Why haven't you heard about these programs? Because
the U.S. Government and other Private Foundations DON'T ADVERTISE these
programs.
Note:
Depending on the requirements of the program, you may or may not qualify
for the programs, FIND
OUT MORE... |
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Unclaimed
Funds
You may be eligible for a unclaimed
money refund.
You may have seen special reports
on unclaimed money on Oprah®, CNN®, The Wall Street Journal Report,
CNBC®, Montel Williams®, and Dateline NBC®.
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SEO
Software Works!
Optimization
- Promotion Targeted Traffic - Popularity
Once you have traffic you can
turn it into a powerful profit producing machine. It'll make marketing
your products and services seem almost effortless - you'll know exactly
how and who to promote your products to… you'll be able to beat every other
Internet marketer out there at their own game without having to resort
to shady programs or having to compete to be noticed and … |
Import Today! The BEST Wholesale Sources
at up to
90% off Retail...MORE... |
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Office
Software Suite
Open Office Features:
Create & edit Word,
Excel & Powerpoint files
Reads and writes PDF
files just like Adobe
All the features of MS
Office & much more...
Bonus Anti-virus program
8 weeks premium support
And
much much more ... |
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