Without naming any goofy survey websites or anything like that, Tell me how I can make some money, like avon? -

Hello, please name some things I could do like aovn with low start up costs like avon that has room for improvement, where I can get signed up here in Windsor Ontario, thats doesnt involve health and beauty because I sell that with avon, but something that I could sell right beside Avon, anyone know of anything?

Unfortunately, you re very likely to get a lot of goofy survey websites or scams. Gotta weed through them. :)Scentsy just opened up to Canada on October 1st. It s truly an amazing opportunity for Canadians to get their foot in the door of a ground breaking company that has been very successful in the US. Scentsy is a company that provides wickless candles. Safe around pets and children. I love it!Good luck! I hope you find something great.Lisa

I recently signed up with a fuel additive company. With an emphasis on GOING GREEN, it boosts mileage, vehicle performance and engine life. Visit this website for further Information.Thank YouMike

What is asset based lending and factoring? -

I��m unable to qualify for a bank loan for my small business. I��ve heard of asset based lending and factoring, but am not sure how it would work for me and how I go about finding someone who does this and help me make sure that asset based lending is the right thing to do. My banker didn��t know who to recommend me to.

Factoring is the selling of a company s invoices to a factoring company or factor in order to increase cash flow and provide working capital. As work or services are provided to a creditworthy customer, the factor advances funds (usually around 80% of the invoice) when the invoice is issued. When the invoice is paid 30, 45, 60, etc. days later, the remaining funds are paid less a small transaction fee.With asset based financing, working capital and term loans are secured by accounts receivable, inventory, machinery, equipment, and/or real estate. A company s financial statements are usually analyzed as in traditional lending, but it is less costly than factoring. Both factoring and asset based financing are more costly than traditional bank financing but are available to companies with creditworthy clients that may not qualify for bank loans. Hope this helps!

Factoring is as follows:Imagine this: say you have sold $10000 of widgets to retailer X, but you have them on net 30 so you won t see the money for 30 days. However, you need money NOW. You can call up a factor company who will offer to buy that $10000 receivables for a discount. Say, $8500. You lose $1500, but you get the money NOW. They make the $1500 by investing the $8500 now and make it in 30 days. (That s just an example, actual numbers will be different)As for asset based lending, that s basically lending on what the business OWNS vs. the business OWNER. Unless your business has significant assets, doubt asset based lending would help. See if there are special government loans that you qualify for.

Asset based lending is where a finance company will lend you money based upon your accounts receivable balance (take a lien on A/R). Generally a company will look at your receivables (as well as some other financial information) and develop an availability (what they would be willing to lend you). This is more expensive than a traditional bank loan but less expensive than actually factoring. A factor actually purchases your receivables (rather than taking a lien on them like they would in ABL). Factoring is generally pretty expensive. Depending on the type business you re in and what geograpic area you re in there are tons of companies that do these types of transactions. A place to start looking would be ABF Journal or look up asset based lending companies on line. Good luck.

Qualification for small business loan for new business? -

Will securing a small business loan for a new business be based on my personal credit? What is the minimum a first time borrower will receive? If I am planning to purchase a house in the next three years and I secure a business loan this year will it affect applying for a home loan in the next three years?

Yes, Depends on your current income and personal credit, Yes.Right now it s extremely difficult to get any sort of business loan. I wouldn t want to put a hard number on it, but I would venture that if your credit score is less than about 750, there s little to no chance for a business loan. Additionally, you re going to need something to secure the loan with, probably a house. Loans are very risky for startups, and banks aren t lending much right now.

I think there are more options than you think- have you seen prosper.com or businessloanrates.org? Report Abuse

Being a small business owner, you need to pay extra attention to management of financial resources. Since growth of your business somehow depends on its financial position, you should always be cautious about cash flaw within or outside your business. It is quite true that lack of finance can become a big problem in the way of the success of your small business. http://www.worldbestloans.com/businessloans.htmSince market is crowded with various business loan schemes, every small business owner can manage to get the desired amount without any problem. Therefore if you own a new and small business organization and financial shortfall is bothering you, then these loans can prove to be the best help for you.

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