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... 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 cycle it is always on the back of the small business people that we make the climb back up.

How to Choose the Right Bank for Your Online Business by Chileshe Mwape
You should thoroughly consider your business needs when selecting a financial institution or bank for your small/home business. You may want to consider the following points: - The types of products and services that are offered. - The bank's criteria for qualifying for a loan. ... - Provide special loan programs for small businesses, including SBA loan programs and other government-guaranteed or agency loans. ... Before selecting a bank, be sure to have a good understanding of your own business needs, and what you need from your bank.

Commercial Banking by Eddie Tobey
A commercial bank's primary liabilities are deposits and primary assets are loans and bonds. As per the U.S. Banking Act of 1971, the "commercial bank" is an institution that offers demand deposits and originates loans. Therefore, a money market mutual fund is not a commercial bank as it does... Commercial banks are owned by private investors, called stockholders, or by companies called bank holding companies Apart from other banking functions, since late 20s, most of the commercial banks in developing countries have been entering into micro-finance market also in which they will provide...

Why You Should Care At All About Choosing A Bank And What To Watch Out For by Chadder McD.
People quite often make decisions impulsively, without considering the consequences. This may work okay in some situations but it could come back to bite you when dealing with financial topics like investments, financing, refinancing, insurance and mortgages. ... If you are searching a bank for small business, here are some guidelines to help you while choosing a bank. ... If you wish to access your bank account regularly then you should choose a bank located near to your business place or home.

You Can Start Your Own Small Business With The Help Of Small Business Loans by Sumit Sehghal
Each and every business is different in its working, size, credit histories and many other things. Finance is the basic requirement of a business and no business can survive properly without loans whether big or small. In this article we talk about small business loans: A small business is... SBA’s 7(a) loan help small business firms to get cash amount upto loans up to $1 million. ... To start a small business, loan is the number one choice. ... The owner of a small business will get 504 SBA loans through local financial progress groups.

Successfully Obtaining a Small Business Loan by Rebecca Game
Working with a bank to obtain a small business loan can be an easy or difficult process, depending on how prepared you are to meet with the lender and discuss your business' situation and needs. One of the leading causes of business failure is insufficient start-up capital. ... Items compiled into a small business loan request include the following: - Amount of money requested - Likeliness of business profitability and demonstration of cash flow needed to service a small business loan - Collateral, if any is owned by the business - A reasonable balance between debt and equity Know...

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. ... The term “merchant bank” derives from this origin and was one of the first banks that offered “business” loans to the grain farmer.

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. ... Many small to mid-size companies that apply for a bank loan are usually turned down.

Best Export Financing Practices: Sourcing Funds For Export Business by David Gass
Exporting provides an equal number of opportunities and challenges for businesses. Good financial practices help exporters avoid the pitfalls of a market economy and set them on a path to growth. This article discusses best exporting financial practices and how you can source funds for your... The Small Business Administration Export Assistance Program is one that is helpful to many small businesses looking to enter the export market. ... You can also look for other options at banks, Small Business Administrations offices, or state export promotion office.

Business Banks by Ken Marlborough
Business banks are universal banks, which offer the best of retail banking as well as investment banking. For example, Citigroup, a very large American bank, is involved in commercial and retail lending. It owns a merchant bank (Citicorp Merchant Bank Limited) and an investment bank (Salomon... The objective of the Business Bank is to provide its target market customers a full range of financial products and banking services, giving the customer a one-stop window for all his/her banking requirements, including savings, fixed deposits, current and demat accounts, auto loans, loans against...