Small Businesses and Liability Insurance by Peter Arkwright
Over 78% of businesses in the United States are set up as a partnership or individual ownership. For most of these small businesses, this type of ownership can put your business and your personal liability at risk. Having suitable and sufficient small business liability insurance protects your... Business liability insurance protects your small business if there is a lawsuit for personal injury or damage to property. ... A common problem for a limited company or an incorporated company is the business owner may believe he or she is totally protected from personal liability and that...

What If Loans And Credit Were Based On Your Integrity? by Lance Winslow
You know it was not that long ago when business schools advised students going into business to develop a business relationship with your local banker. In fact the Small Business Administration recommended this tact in all their literature. Then came the big bank mergers and your business... Generally a business with 20-years experience and the community behind them would be a good candidate for a business loan. ... With small businesses employing 75% of our citizens, perhaps we may wish to rethink the way we capitalize them and the way we treat them, because at the bottom of a business...

Who Gives Business Loans? by John Williams
The most common type of lender is the commercial bank, credit union, savings and loan companies, or investment companies. These lenders offer business loans, however, often times these loans must be secured. This could mean offering up your personal assets as collateral. ... Organizations such as the Women’s Business Ownership, Women Entrepreneurship in the 21st Century, and several others cater to lending money to women that wish to start-up a business, still others actually guarantee them business loans.

Online Business Credit Reports by Thomas Morva
Business credit reports are very essential tools in managing a good business. A credit report can mention payments made within a particular period and income. They can highlight late payments, what are the profitable and non-profitable sources of income are and several other important factors of... Once a business is up and running, business credit reports help to monitor the progress of the business. ... Having good credit enables a business to take out a loan that may be used in initial funding.

Angel Investing by Jakob Jelling
Angel investing helps entrepreneurs open start-up businesses. Angel investing is right for you if you want to get involved with new businesses. It can be a dangerous investment, so you should always make sure that the business you are funding looks as though it has a good chance of actually... The reason for this is that most people just do not have the money on hand to start up their first business. ... It's also possible that you will eventually get venture capital funding after you manage to find somebody interested in angel investments - due to the growth of your business.

Invoice Factoring by Peter Arkwright
A problem many business owners face regarding business funding is the amount of time a client can take settling their bill, generally a client can take up to sixty days before settling. This can be a problematic especially for small businesses that require available capital. ... Invoice factoring can be set up in only a few days; this is seen as a much simpler process than applying for a business loan. ... This means you can actually finance your business by selling your unpaid invoices to a factoring company.

The History of Business Loans by John Williams
The first business loans possibly date back to ancient Greece. One of the most important services offered by Greek bankers was the lending of money to finance the carriage of freight by ships. They also lent money for mining, and construction of public buildings. ... Since 1958, the government by means of the Small Business Administration has put nearly $30 billion dollars into the hands of business owners to finance their growth. ... One of the most important types of business loans available to Americans are backed or guaranteed by the American government.

To Factor or Not to Factor? by Marty Milan
The purchasing of accounts receivable (invoices) is generally known as factoring. Businesses can sell their invoices to companies known as factors. Although not all businesses are familiar with factoring, historians claim that factoring dates back to the ancient Roman civilization making it one... Banks consider the amount of assets that a business has in order to secure the loan; Therefore, banks normally require a great deal of collateral from a business before they are approved for a loan. ... Factors look at the credit worthiness of the business’s customers, not the credit of the...

Guide to Small Business Grants and Loans by Dave Poon
Want to start up a business but lack financial support? Wish to expand your business but short of capital? Then maybe, all you need is a little help from lending firms (either private or government) that could provide you a small business grant and loan. ... If you will need money for business expansion or use the amount as a business capital, then you have to acquire the help from loan guarantees that is provided by the business sector of the government. ... In return, you have to pay a 2% of your outstanding loan each year to the business service sector of the government who helped you...

B2B Business Investments by Sarah Freeland
A b2b business is basically a buying and selling relationship between businesses. If this is the type of business that you are interested in setting up then there are several different ways that you can finance your b2b business investment. If you don’t have any assets to offer as collateral for... If you have some assets then you may want to consider utilizing subsidized business loans such as the SBA small business loan. ... If you have assets to use as collateral for financing your b2b venture then you can utilize these financial strategies to raise capital to launch your b2b business:...