Small Business Funding in Georgia: Business Cash Advance

Lending for small businesses has never been so high in Georgia before. Yet, some are still having problems accessing credit. How can you get a business cash advance or another type of business funding easily and at the best possible rates? Just read this article and you’ll know.

Small Businesses in Georgia

There’re about 1 million small businesses operating in Georgia. Small businesses have been growing steadily in the state since the end of the recession. Small business owners represented 88.8% of Georgia exporters and accounted for 30.1% of the state’s exports, according to a study in the field.

As Drew Tonsmeire of the UGA Small Business Development Center at Kennesaw State University says, the lending environment that exists today is much better than it was 10 years ago. Based on a recent report by the Georgia Small Business Administration, the amount of money loaned in Georgia in 2017 made up $1.41 billion.

If you’re serious about running and growing your small business, you’ll need to apply for a small business loan. The important thing is to find a reputable business funding provider or alternative online lender to work with. With a respectable financing provider, you can get a business cash advance or any other type of funding without challenges and at the lowest possible rates.

Small Business Lending in Georgia

If you’re starting a new business in Georgia, you must register your company with all relevant state agencies and government departments. Also, you must get proper business licenses and permits. Besides, you must follow the state’s regulations.

In Georgia, apart from banks, you can find different other sources of funding. Reliable online lenders are among them. Let’s look at some details concerning the small business lending in Georgia.

Women still face more disadvantages associated with securing business loans. By the way, nationwide, only 27% of women having applied for funding in the 1st quarter of 2018 got approved, compared to the overall success rate of 42.6%, as a recent study showed.

Access to working capital is too important for small businesses. It helps them launch new projects, expand operations, as well as hire more people, as Dean Bird, Atlanta small business banker manager at Bank of America notes. Ultimately, business funding is one of the main ingredients in turning ideas into action.

Author Bio: As an account executive, Michael Hollis has funded millions by using alternative funding solutions and helping them to get a business cash advance. His experience and extensive knowledge of the industry has become a true asset for First American Merchant

Read more

Using Pop-Up Banners and Roller Ads to Market Your Business

Pop up banners have become widely associated with trade shows and exhibitions. But more than that, it is also a common marketing tool used by businesses to promote products and new offerings inside store premises or outdoors. With durable material and easy to install design, it is a very convenient way for businesses to get their message across.

Roll up stands should be designed in a specific way to ensure effectiveness. Here are some tips on how a banner stand should look:

  • Text and visuals should be designed from top to bottom or from left to right. You need to make sure that the company logo is clear and visible. As much as possible, it has to be at eye level. Keep banner ads simple and minimal. They should contain only the necessary information that you would like customers to know. Contact details of the business should not be obscured.
  • Make sure that all images used in banner ads are of high quality. They should look professional and well made. You can hire a professional graphic designer to produce pop-up banners and wide roller banners for your business.
  • Greater colour contrast is also ideal. The font should not blend with the background of the banner. It should be easily read at a reasonable distance.
  • Look for banner printers that use a good quality material such as vinyl. Banner ads should be durable and reusable as well. If used outdoors, it should be waterproof and weather resistant too.

There are many reasons why businesses invest in roller banner ads aside from their cost-effectiveness.

Versatility

Banner ads are extremely versatile and can be used for various applications and purposes. Roller banners can be considered as a silent partner in your business. They create brand awareness and intrigue customers. You can also have greater control over the message and information you want to put on them. You can make them seasonal or relevant the whole year round.

Convenient to transport

Roller banners are also more compact and easy to transport from one place to another. They can be moved to different locations within the store or placed outside for greater impact. This is why roller ads are one of the most popular ad fixtures found in trade fairs and exhibitions today.

Reusability

If you invest in a well-designed and properly executed banner, it can be reused for as many times as possible. You can make the message and visuals more generic so that it remains relevant no matter what time of the year. In addition to this, you can easily store banner ads and reuse them when needed. It does not cost much to invest in good quality roller banners. Make sure that you look for excellent suppliers online or near you.

Image: Pixabay.com…

Read more

Building a Mutual Fund Portfolio? Here’s How you can Select the Best Mutual Funds in India

Mutual fund market has witnessed terrific growth in the past few years in India. If you believe that it’s time for you too to start building a mutual fund portfolio, we have a few tips to help you pick the best funds.

“How to select the best mutual fund?” is probably the most common question which every new investor wants an answer for. While there is no shortage of information on the internet, the reality is that you might not be able to find the right answer. When it comes to investing in mutual funds and building a portfolio full of excellent funds, it is essential to know that there cannot be a ‘one-size-fits-all’ approach applicable here.

There are several factors like your risk appetite, age, financial objective, investment horizon, etc. that needs to be taken into consideration for selecting the right fund. So, rather than providing the best recommendations, we give you the information with the help of which you’ll be able to select funds as per your needs.

  1. Investment Goal

Every investment needs to have an objective. With mutual fund investment, you might want to save for your child’s education, save for your retirement, buy a house or a car, or plan a family vacation. The goals can be different for every investor.

To keep up with the needs of different investors, there are different types of mutual funds. For instance, there are equity funds for long-term goals, balanced and medium-term debt funds for medium-term goals, and highly liquid short-term debt funds for short-term goals. Understand your objective before you start picking a fund.

  1. How Good are You with Taking a Risk?

Just like every other asset class, mutual funds too, carry risk. But the amount of risk significantly varies between different types of funds. While equity funds are known to be the riskiest, debt funds carry minimal risk.

Once you know the objective of your investment, understand your risk appetite. Avoid choosing a fund that doesn’t suit your risk tolerance as such.

  1. Your Age

Even your age has a significant impact on your selection choices. If you are young and have just started earning, you have more time for your investment to work as compared to someone who is in their 40s or 50s. If you are in your 20s or 30s, aggressive investment in mutual fund is a choice for you but not for an investor who is retired or is about to retire.

 In general, you can invest aggressively when you are young but should aim for low risk and stable returns as you age.

  1. Fund Performance

With your investment objective, risk appetite, and age checked off the list; now you can start browsing different types of mutual funds. Know that there are more than 5,000 mutual fund schemes in India but thanks to the factors mentioned above, you should be able to filter out most of the schemes that don’t suit you.

Funds can be selected on the basis of the fund performance. Rather than simply choosing the top performing fund in the last quarter, focus on the long-term performance of the fund. The returns should be consistent. It is not very uncommon for a fund to deliver terrific returns in one quarter or a year but struggle in the next.

  1. Diversification is the Key

Even if you know a risky equity fund is what suits you best, do not make the mistake of adding multiple such funds to your portfolio. Your portfolio should be a combination of different types of funds to make sure that if a particular type of fund is unable to deliver the expected returns, the other funds will balance things out.

Diversify smartly and pick a few best mutual funds in India to create a winning portfolio.

Now that you know how to build a mutual fund portfolio, it’s time to put all this information to work. And don’t forget to consider professional help if you are still confused with all the different funds available.

Read more

Partner’s Finances Impact Overall Stability and Happiness

How does a young adult’s boyfriend or girlfriend deal with money? Did you know this can affect the overall well-being and life outcomes of couples, even in young love? This article will tell you about the findings of the new study. Also, you’ll learn how you can open an adult dating merchant account easily, fast, and affordably.

Study on Partner’s Finances and Couples’ Well-Being

According to new research by the University of Arizona, financial socialization from three different sources has an impact on life outcomes and well-being in young adults. The three sources that the researchers were focused on included young adults’ parents, young adults’ romantic partner, and the young adults themselves.

The researchers are working on the so-called APLUS Life Success research project. To carry out the research, they started collecting data from first-year UA students in 2008 and went on doing this when they were already adults. The aim was to discover how young adults achieve stability and happiness.

Are you in the online dating industry? Do you need to open a secure and affordable adult dating merchant account for your business? It’s critical for you to apply to a payments expert to get the best for your business needs and grow it successfully.

Look for a reputable credit card processing company that specializes in the high risk sector. An experienced and reliable merchant services provider can help you enjoy merchant services tailored to your own business wants and needs.

Partner’s Finances Impact Well-Being

The study shows that young adults’ own financial behaviors had the greatest impact on their well-being. Next came the financial behaviors of their romantic partners. Finally, the financial expectations of parents appeared in the third place.

Based on the research, the individuals’ own financial behaviors were related to all outcomes measured. This doesn’t include relationship satisfaction and commitment. How do individuals perceive their loved one’s financial behaviors? This was found to be associated with their relationship satisfaction and commitment. Also, it was associated with their overall well-being and life satisfaction.

What does the research suggest? Well, the research seems to suggest that, if you need to maintain a happy relationship, you’d better consider a partner who is good with money.

Author Bio: Electronic payments expert Blair Thomas co-founded eMerchantBroker, serving both traditional and high-risk merchants. His passions include producing music, and traveling. eMerchantBroker is America’s No. 1 adult dating merchant account company, serving both traditional and high-risk merchants.

Read more

4 Tips for Attracting Customers to Your Gas Station

Gas stations live and die by their ability to attract the attention of passing motorists. But what if you aren’t sure how to get the job done? What if cars are just passing your business by? Here are four tips for getting them to stop and shop next time.

1. Advertise Your Sales

There’s no use in offering great deals if customers aren’t aware of them. You need to make sure that all of your price cuts, clearance sales and two-for-one discounts are heavily advertised on your store’s exterior. Put signs in the windows. Erect signs in the yard. Use blinking billboards to draw attention. There’s no such thing as over-advertising when it comes to gas stations.

2. Do Something Different

A lot of gas stations are painted with colors like red, yellow, blue and white. What if you did something out of the ordinary with green or purple? This will make you especially noticeable if your gas station is crammed between other gas stations. By standing out, you can ensure that customers will always notice you, and that kind of brand recognition can really come in handy later.

3. Keep It Clean

No one expects a gas station to be squeaky clean, but if your parking lot is littered with spilled cups and balled-up napkins, you can’t blame people for getting a bad first impression. Have one of your employees do a premises sweep at least twice a day. Keep things neat, uncluttered and free of garbage.

4. Redesign Your Space

This is especially important if you’re thinking about making renovations. Gas station construction shouldn’t be done on your own; you should call in the experts to help you install that car wash or expand that parking lot. A professional design team does this kind of thing for a living. Their knowledge and skills will make all of the difference in your business.

These are just a few tips for drawing more traffic to your gas station. If you’re serious about increasing your visibility and improving your sales, take these suggestions to heart!…

Read more

So you want to become a Forex Trader?

What is Forex? the basics explained.

Essentially, the Forex exchange is where big banks, corporations, governments, t, and investors go to trade and “bet” on currency pairs. The Forex exchange is also called the ‘Fx market’, ‘foreign currency market’, ‘currency market’ or ‘Forex market’, and its the biggest and the most liquid exchange in the world with daily turnover of about $4 trillion.

Forex is open 24/5 with the major trading hubs being located in Zurich,

New York, Hong Kong, London, Frankfurt, Paris, Sydney, Tokyo, and Singapore.

A short history of Forex in a summary: In 1876, we had the gold exchange standard. A rule stating all paper money had to be backed by gold; the concept was to stabilize global currency by pegging them to golds price. in theory, it was a good idea, but in practice, it created patterns that ultimately killed the gold standard.

The gold standard was ended near the start of World War 2 as European countries didn’t have enough gold to back all the money they were printing to fund military projects. Although the gold standard was discontinued, the metal never lost its place as the greatest form of financial value.

The ‘Bretton Woods System’ was when the USD was the only currency backed by gold circa 1944 until its end in1971 when the U.S. said it would no longer give gold for U.S. money held in foreign banks.

In 1976, the end of the Bretton Woods System led to a global acceptance of floating foreign exchange rates, which was the birth of our current foreign currency exchange market, which didn’t become electronically traded until the 1990s.

What is Forex Trading?

Forex trading as it concerns retail traders is speculation on a price of one currency versus another currency. For instance, if you think the USD will go up versus the Euro, you’d buy the USD/EUR pair and hopefully sell at a profit. If you buy the USD against the Euro (EURUSD), and the Euro strengthens, you would lose money. A good broker such as trade111 or trade fx asia could be of big help.

Trading Forex requires several things:

Discipline – to stay calm and collected in a state of constant stress (the market)

Focus – to remain focused on the trading plan and stay on course

Patience – waiting for the highest-probability strategies to be possible to trade

Confidence – to believe you and your strategy is good enough to win

Dedication – to become the absolute best trader possible

Self-control – to not make overly risky trades and blow out your account

Logic – to have a straightforward and level-headed approach to looking at the market

Savvy – to be able to know what the market is doing and being able to employ your trading strategy at the best time

Flexibility – to trade a volatile market with success

Realism – to understand trading and the realities of the market. This isn’t a get rich quick scheme.

Organization – to build positive trading habits and stick to them.

Ability – to not have emotional breakdowns when you lose a trade (or 19).

While the forex exchange is definitely a great way to trade, it is important to note that trading, especially for newbies, offers both the possibility for reward and risk. Lots of traders get into the market only thinking of the rewards while ignoring risks. That is the quickest way to flush all your money down the proverbial toilet. Anyone who wishes to get started in trading Forex on the right path should be aware of the fact that any trade you take has the potential for a loss.…

Read more

Denied a Loan in Vegas Here’s Why

A Loan or a credit is a contract in which a borrower receives the money and agrees to repay the lender at some date in the future with pre-defined interest. ‘Credit Denial’ is the rejection of a loan application by the lender. Your loan can be denied if the lender perceives your ability to repay it is a risk. If you are denied after applying for Las Vegas personal loans, The Equal Credit Opportunity Act guarantees that you must receive a reason for your rejection.

Creditworthiness is a process conducted by lenders that determines the possibility that a borrower may default on his loan obligations. Creditworthiness is decided based on the factors such as credit score and repayment history. Las Vegas lending institutions also consider the assets and the liabilities of the borrowers to determine the probability of default.

Financial institutions attempt to mitigate the risk of lending to borrowers by performing credit analysis on individuals applying for a loan. This process is based on a review of five key factors that predict the probability of a borrower defaulting on his debt. Called the five Cs of credit, they include capacity, capital, conditions, character, and collateral.

Reasons for Denial of Credit in Vegas

Low Credit Score

A bad credit score is one of the crucial reasons for denial of the credit. Creditworthiness can be evaluated through credit score of an individual which is a statistical number and is calculated by credit rating agencies based on individual’s credit history. A credit score is used to evaluate the chances of default on the principal and interest payments. Your credit score can be from 300 to 850 and the higher the score, the more creditworthiness the individual is considered.

Low Income & Less Fixed Assets

It is evident that people with high income are considered more creditworthiness as compared to people with low income. Also if an individual has substantial fixed assets such as property, then chances of a loan being approved are comparatively more.

High Existing Borrowings

High existing borrowings indicate more chances of default due to huge principal and interest liability. It is mandatory to share the details of the current borrowings with the lender while applying for recent credit. If you’re currently burdened with a payday loan in Las Vegas with no credit check, this could give a lender cause to reject your application for new borrowing.

No Collateral or Security

Collateral or mortgage is an asset that a borrower offers as a way for a lender to secure the loan. If you are not able to pay the installments, then the lender can seize the collateral to recoup its losses. Mortgage-backed loans have lower interest rates associated with them and can be approved quickly.

Paperwork/Documentation

Las Vegas loan applications typically requires a lot of documentation such as credit scoring document, identity proof, address proof, guarantor’s information, details about existing borrowings, etc. If you don’t submit the needed documentation, your loan will be denied. Denial can also be issued if you provide wrong information.…

Read more