Ensuring Your Small Business is a Success

April Boone

The time you spend working in your business has value. And that is a value that you should always consider when calculating the success of your business. The time you spend is a real number just like the supplies you buy.

There are many ways that you can determine whether your small business is doing well. You can track your profits, run a stock-check, work out your marketing success, and so on and so forth. However, the best method to ensure that you’re in the black (or green, as is the money.) is to calculate your ROI. Say what?

ROI is an acronym for Return On Investment. Whether you’re business is doing well, or will continue to do well using your present products and marketing techniques, is a matter that is decided by your ROI. This is why it is extremely important that the ROI is calculated in the right manner. Most small business owners tend to calculate their ROI disregarding hidden expenses, and in fact, disregarding their own time. You are working at your business, right? Doesn’t the amount of time you spend on it count? Of course it does.

Basically, the ROI is a ratio of the return of money directly generated by your marketing and the total amount of resources used for it. In simpler terms, your Return on Investment is calculated by taking the net amount of your business returns and dividing that by the total resources invested into it.


ROI = (Payments from Investment – Cost of Investment) / (Cost of Investment)

Miscalculating your ROI can lead to you feeling falsely secure because your small business is doing well, when it actually isn’t. This is why, when getting your ROI, you must include all resources used, most important of which is your time. When small business owners calculate this ratio, some may actually feel they’re better off working full-time.

If you’ve just opened up your business, your ROI is bound to be quite low. This shouldn’t discourage you. However, if your ROI is still low after two years, it may be time for a change of products, or marketing techniques. And if it’s still low after ten yearsArticle Search, then you’re better off getting a better pay for your hours elsewhere.

Get more about small business issues at FreelanceSprout.com.


April Boone is the owner of Global Marketing Solutions in Foley Alabama.

How Commercial Loans Help Expand your Investment Portfolio

Author: Aidan Kellsey

A commercial loan makes it easier for those seeking opportunities to expand their investment portfolio. Instead of letting your money freeze, let your finances work for you and earn you a regular income through property rentals.

A commercial loan makes it easier for those seeking opportunities to expand their investment portfolio. Instead of letting your money freeze, let your finances work for you and earn you a regular income through property rentals.

To beging with, aim for a property in your neighborhood that is for sale and have it rented. This way, it is less difficult for you to monitor and manage the occupants of your estate because you have established your presence in your area.

Once you have gathered the experience of managing your own investment property and have faced and settled issues along the way, you have earned the right to invest in properties outside the vicinity, maybe in another neighborhood, another state, or another country.

Qualifying for a Business Loan

Since the prices of real estate properties are shrinking, it is best for most people to invest in these today. Banks, however, have exercised prudence and have put up strict requirements for borrowers.

The entire loan procedure starts when a broker provides you with estimate of the value of the asset have mortgaged in a commercial loan.

Before a business loan is approved, the bank or lender demands more requirements such as specific details of the investment property.

The bank or lending company would want to know the location of the property, the nature of the property, revenues in the past two years, and the taxes paid. Most importantly, they would also like to understand how the property will be managed and what is the estimation of its performance in the real estate business.

The chance of a commercial loan approval highly depends upon the kind of information provided to the bank. It will also be a good idea if you will seek professional assistance on this issue.

Tips in Getting an Investment Loan

Here are some tips that you may want to use should you decide to join the investment game in the future:

* Keep your credit record clean.
* Have up-to-date records of your properties.
* Always be updated with the movements in the investment market.
* Be aware of the current lending rates.
* Teach yourself on how to negotiate.
* Be informed about the asset you are eyeing.
* Always have a business plan prepared.

The times now surely benefits buyers as assets are at very low prices. There may be an extravagance of investment assets following the mortgage mess. Always keep in mind, however, to evaluate the practicality of the property before you line up at the auction block.

today if you’re firm in your decision of getting in to the investments business. Lawrence Yun of the National Association of Realtors believes that inflation may further go up as a result of federal cuts. This report was published in BusinessWeek and was written by Peter Coy. It’s then important for you to invest now if you want to expand your investment portfolio.

About Author

Invest in your future now with a practical commercial loan, like an apartment mortgage or office building loans. Visit NationalCommercialFunding.com now for a free quote.

Article Source: http://www.1888articles.com/author-aidan-kellsey-7550.html

Easy Commercial Real Estate Loans

Author: Aidan Kellsey

Investors are provided with several loan packages, depending on their business and loan requirements.

Investors are provided with several loan packages, depending on their business and loan requirements. Non-traditional lending companies provide loans for $500,000 to $5,000,000 and give these at considerably reduced interest rates (1%-3%).

The Security Enforced on Loans

Purchasing business premises, expanding business boundaries, developing property and investing in commercial or residential properties are but few of the most common reasons why people apply for business loans. Negotiations on the kind of security attached to the loan are accepted for the sole purpose of letting the borrower take advantage of his/her loan.

Private lenders offer quick and dependable service to those who want to apply for a small or a big loan because they do away with the red tape and unnecessary paperwork that prolongs the loan application procedure.

Banks and other traditional lending firms offer a standard procedure for refinancing and getting a mortgage. However, the value of the collateral and not the borrower?s credit history is the major consideration of lenders when approving commercial loans.

In applying for a commercial loan, you are required to make use of a commercial real estate property as security. It must be in good condition, otherwise lenders will charge you with a bigger downpayment or disqualify you for an apartment loan while they evaluate your application using the loan-to-value ratio.

The Buyer-Seller Transaction

Commercial real estate loans need a buyer-seller relationship. Before one can select an investment property, one must check the available estates for sale to seek out the best property and get top value for one's funds. Sellers have to ensure that their estates are in top condition and the documents are available for reference.

When buying a property, buyers assess its location and condition. Because buyers don?t like to incur more travel expenses when checking on the property and dislike to inconvenience possible customers, they want ease-of-access and less traffic. Good condition is important as the opposite would require added expenses to take care of primary repairs.

The LTV Ratio and Commercial Real Estate Loans

The loan amount is calculated using the loan-to-value (LTV) ratio. This figure is the ratio of the amount of a loan to the appraised value of the property pledged as security. For instance, an estate quoted at $180,000 will give a borrower $150,000 for the loan.

The LTV ratio is indirectly related to the risk of the borrower. This suggests that high risk borrowers, or those with not-so-good credit history, are given lower LTV ratios. In addition, by giving high LTV ratios, lenders are shielded from the pressures of foreclosures. In isolated cases, a full ratio may be awarded to the deserving borrowers.

In general, factors such as the borrower?s credit standing, success and type of the business you are managing and nature of the estate about to be purchased are evaluated by the lenders before approving a commercial loan. The good news is, the NCF has a better way of processing loans as compared to those of the traditional lenders.

About Author

Start investing with low-interest commercial real estate loans, multifamily apartment loans, or mobile home park loans. Visit NationalCommercialFunding.com today and get the loan that's suited for your investment needs.

Article Source: http://www.1888articles.com/author-aidan-kellsey-7550.html

Auto Loans Bad Credit - Providing an Opportunity to Bad Credit People

Author: Mark Nikolos

Auto loans bad credits are opportunity given to borrowers with less than the perfect credit score. Interest rate will be a bit high, so you need a proper home work for a negotiation. Lenders are also available online to be more accessible. So do not miss this opportunity of driving your own car.

If you have credit problems and finding it really difficult to stay hard on financial life and you do want to ride in the car of your dreams, then auto loans bad credit will help you to ride the car and re-establish your credit status very much easily.

The reasons:

A person can get into credit hazards due to any of the followings – late payments or defaults in the previous debts, arrears, declaration of bankruptcy or CCJ etc. Once you have been tagged with bad credit, it is really hard to find out any type of external monetary support from market to sort out your financial or personal problems. So in this situation if you still do want to drive your car then auto loans bad credit will help you to achieve this goal easily.

Credit effect:

In loaning market before giving any monetary support to the borrower, the first thing a lender does is the evaluation of the credit score of the borrower which is in your case is low. So obviously the lender will expect some sort of security against his money and the best way to provide it is to pledge collateral against the loan. In most of the case you can place your car itself as collateral.


As already explained these loans are of types secured. Interest rate charged against the borrower is quite high in this case. So be ready for a tough negotiation.

A down payment has to be paid against the loan which will greatly help to decide the amount and interest rate of the loan. The more you pay in form of down payment the more benefits you will get.

With increasing popularity these loan are now available at every lender in market. If you want you can go for online lenders also. Go through all quotes available onsite and select the best among them.

About Author

Mark Nikolos is an expert consultant on bad credit car loans. His expertise in this field gives him an edge when it comes to providing information on technicalities and what to keep in mind when financing your car. To find bad credit car loans, used car loans visit http://www.capitalcarloans.com

Article Source: http://www.1888articles.com/author-mark-nikolos-8730.html

You Can Solve Any Problem

"Believe it is possible to solve your problems. Tremendous things happen to the believer. So believe the answer will come. It will." Norman Vincent Peale

Doesn't it sometimes seem like everyday our lives are just filled with little problems? They are everywhereour car breaks down, the dog runs away right before work, or we run out of milk. Before long a person can go crazy! But, we get through these inevitable annoyances in our day.

But, how about the big problems? What about deciding to relocate to another area of the country? Or knowing that your business has lost tons of money this month? What about figuring out if you should change careers? These are the types of problems that often bring us to a full stop. We aren't sure what to do. What if we make the wrong decision?

Many of us agonize over our big problems for weeks, even months at a time. We think through every single possibility and outcome that could arise because of this problem. And often times, that is all we ever do. We just think about the problem. We don't do anything about it. We believe, somewhere deep down inside of ourselves, that if we put off the decision-making process just a little bit longer, than perhaps the problem will be magically solved.

There is nothing worse than carrying around a big, heavy problem. It weighs you down and tires you out. You can't ignore it; it's right there on your back, like a 50 lb. backpack. You may try to move on with your life, but it's going to be difficult. Wouldn't you rather take off your heavy load and take a rest? It's easier than pretending that it's not there.

Problems are never solved by ignoring them. Inevitably, we need to take our problems by the horns and wrestle them to the ground. It might be hard work; in fact, you will probably acquire a few bruises along the way. But what is the alternative? You surely don't want your problems knocking you to the ground! So take out your red cape and face those problems head on...YOU are the one in charge! . Most people become paralyzed with indecision when they are faced with a monumental problem. In fact, it is part of human nature. There is a part of us, deep-down, that feels that if we ignore the problem, then it will simply go away. We try to divert our attention to anything else except for the problem staring us straight in the face.

In other words, we give up. We feel that life has gotten the best of us. Basically we see our problem charging at us 100 mph. Instead of standing up to our problem, we allow our problem to knock us down. And after that, we can't get up.

No matter how much we hide from our problems, they ALWAYS find us. So, forget about running, hiding or ignoring...these strategies never work. In fact, they only make the problem worse.

The first step in solving a problem is to clearly define the problem. We need to admit that we have this problem. Believe it or not, most people don't even do this much! People tend to use the "ignoring strategy" and it never, ever works.

Second, you need to put yourself in control of your problem. You cannot allow the problem to control you. Researchers have found that whenever people feel that their lives are beyond their control, their life satisfaction is reduced by 40%. That means that you have no choice but to use strategies that will solve your problems and put you back in control of your life.

Third, you cannot allow your problem to consume and define you. You are not your problem and your problem is only one very small aspect of your life. This much is true. Many people exaggerate their problems and begin to only see their life in terms of their problem. Never make this mistake...it will be detrimental to your happiness.

Scientists have found that happy people see problems as temporary, solvable and isolated. Unhappy people view problems as all-consuming and a definition of who they are. Work very hard to see your problem realistically. Of course your problem may be monumental. It may be a very difficult problem to solve. But there are other aspects of your life.

In order to be truly happy, you will need to directly address the problems in your life. And unfortunately, as one problem disappears, another will surface. Such is the nature of life.

We all must realize that problems are indeed a part of life. Your life will never be problem-free. That is impossible. Instead, you will need to accept the fact that there will always be a problem to solve. Some of these problems will be small, some will seem enormous.

Our goal is not to hope that problems will not come our way. For problems will always be making their way to our doorstep. Our goal is to learn how to react to our problems. We need to understand that we are in charge of how we will approach the problems in our lives.

How you decide to solve your problems is up to you. No one else can do it for you. You can ignore the problem and pretend that it's not there. You can run from the problem and hope that it

doesn't catch up to you. Or you can hide from the problem and hope that it doesn't find you. OR, you can take control of your problem.

As a final thought, I want you to know that I truly believe that there is a solution for every problem. The solution may be difficult, but there is a solution. There is no problem in our human lives that cannot be solved if we dedicate our energy to the solving of it.

Nothing is impossible. If you believe that from the bottom of your heartArticle Search, then it will happen. You simply have to be the driving force behind the solving of the problem.


Jessica Swanson is an extremely successful entrepreneur, marketer and life coach who has achieved a high six-figure income. She had mentored hundreds of others on how to achieve the same results. You can visit her at http://www.unlimitedprosperityteam.com