Business Loan Rates and Small Business Growth

Americans know that friendly business loan rates and small business growth are essential to the growth of the economy, and new business owners have many avenues for creating a successful start-up. Recent investigations by the Small Business Administration, which offers SBA loans to small businesses around the country, suggests that small businesses account for over half of all the sales made in the United States each year. Even more importantly, small businesses provide employment for over half the jobs in the country, as well as a significant number of all new jobs created in the country since the 1970s.When a bank determines what business loan rates it will offer a client, one of the primary characteristics investigated is the history of the borrower. For new business owners or anyone looking to create a start-up, getting a great rate on commercial real estate loans is often dependent upon business history, which might not exist for some new business owners. In such cases, the only way to get low rates or even get a loan in the first place is when the business owner puts up his or her own collateral or uses his or her credit history to secure the loan.This reliance upon an individual’s credit for new business loans is why it’s important to have all of one’s financial “ducks” in a row before applying for an SBA loan or any loan connected with a new business. Business loan rates fluctuate just like the economy, and one of the primary indications of whether a bank will loan an individual money is whether the business will be able to survive the expected fluctuations of the economy. A few months or even a few quarters of poor sales shouldn’t mean a new business needs to shut its doors. Some type of emergency reserve, collateral, or savings is an essential buffer for any business.Sometimes it’s best to think of commercial real estate loans in the same way a borrower might approach a traditional mortgage. Securing a low mortgage rate means coming to the table with great credit. The same might be said for commercial loans. Business loan rates that are low are awarded when an applicant or business has good credit. However, new business owners must also consider a variety of other issues that will come under investigation by the bank such as cash flow and the industry in which a business will operate. Due to these additional factors, a borrower might need to go beyond a standard mortgage rate calculator to one with additional variables.It might seem like an impossible feat to convince a bank of the creditworthiness of an individual who has never owned a business before; however, some options exist for ensuring a new application is granted the lowest possible business loan rates. For example, a new business owner may provide past examples of business success, even if the owner wasn’t at the head of a company during those successes. Perhaps a business owner once worked in the financial department of his or her last company and was able to save the company thousands of dollars with innovative ideas.According to the Small Business Administration, small businesses occupy somewhere between 20 to 34 billion square feet of commercial space in the United States. Keeping that number on an upward trend is essential for America, and small business loans, as well as commercial real estate loans, help keep the country growing in a post-recession environment. Business owners who make smart decisions about credit and arrive at a bank with the best possible application will ensure the business opens its doors with the best possible financial future. Entrepreneurs should investigate business loan rates and help make sure the economy continues to grow through new small businesses and valuable jobs.

Internet and Small Business

Technology has played an imperative role in business operations. The advent of internet has given a new methodology to conduct business faster in a cost effective way in a limited time and space.Internet is wrapped up with thousands of interconnected networks connected worldwide. The deployment of Internet in business has given rise to perform business worldwide to unlimited audience and it is one of the best methods for globalizing business. Internet is a powerful tool for winning a business strategy that assists companies to compete with their competitors and to improve customer satisfaction and hence internet business model has been formulated to assist companies to choose the right model at the right time.Internet business is simply not designing websites to promote the products it has its unique process to automate. Internet business helps manufacturers to understand the customer’s wants and needs by understanding their behavior when they visit company websites or research any relevant information and this in-turn helps manufacturers and marketers to produce customize and personalize product.Internet business has changed the marketing practices of company to the great extent and hence marketers need to be more and more proactive and creative to reach and convince their audience to buy products.Today many companies have also set up extranets with their suppliers to facilitate information exchange, transactions and payments. Internet business has given birth to e-commerce which is more and more specific when compared to internet business or e-business. The term e-commerce encourages companies to sell their products or services through internet. To be more precise about internet business; it is simply performing business using internet for worldwide audience in order to globalize business.Advantages of Internet Business – Internet Business has its unique advantagesThere is no need of physical location and hence you don’t need to have your own or rent place for starting up business as how traditional business requires.Of course you need location that is DOMAIN NAME for website registration and its very cheap you can get for about $5 to $25 with free web hosting service.You need website for selling your product or service. If you know programming and designing you can always do it on your own or you can hire a web developer and/or designer based on your requirement or even you can become an affiliate of some site which needs no website since your merchant will provide you website.You can advertise your products or services for free in most of the websites say free classified advertisement site.Since internet works on the principle of 24×7 you can reach your customer at any time.Internet business is not geographic specific and hence you can reach global audience.Disadvantages of Internet Business -Of course, internet has major advantages but it has some disadvantages too.Through internet it is very difficult for the user to recognize what is genuine and what is not because users will not have the ‘Touch and feel’ of some product before they buy.Internet makes you feel isolate and hence it separates manufacturer and customer, and this ultimately end-up in lack of trust between two parties.It is also difficult for the user to choose the product as there may be many products with different varieties advertise through internet.Business Models:Every Business needs model to run its business and operations. When it comes to internet it is not that companies have design or built their own models Most of the companies sustain with the following business models through internet.ProductsProfessional ServicesInformation BusinessInternet professionE-PublishingE-AdvertisingLet’s understand the above six proven internet business model.Products: This Internet business model includes stuffs like electronic goods, books, computer hardware and software, household, jewelry, etc. Companies may already use direct marketing to market its product.Adopting this model is most inexpensive method to communicate universally, and consumers can look into the product through company’s website or online catalogue as it cost only the fraction of what printed catalogue cost and the duplication is achieved virtually. The vital part is to note that internet is not the business strategy. However, it helps business to formulate strategy more effectively and efficiently. These are none other than the Internet or Online retailer.Professional/Specialized Services: This model includes Professional services such as accountants, consultants, architects etc. The use of technology has encouraged service business to devise innovative strategies to support the very nature of the business.Service industry advertise its services electronically that is through internet and since internet reaches global audience by breaking the geographic barriers and hence today service sectors enjoy massive profit and growth since internet has out-performed the traditional advertising and it directly reaches its prospective audience.Information business: This E-business model is for those who gather, create and sell knowledge. Internet has given a new room for this kind of business. Today people use internet for many reasons and information search through internet ranks top. Many netpreneur today adopted this business methodology and has created a success because there is lot of scope for business in this digital era and information business is one such businesses which grows with a full pace.Internet Careers: Many people have started making careers in internet itself. This business model includes graphic artist, web designers and developers, software programmers, computer and software trainers through online, Internet marketing professionals etc. This is considered as fastest growing business and many people have started business model.Electronic Publishing: Today people can find free news, magazines, and newsletters in the digital format. In this business model any factual written material can be published in digital format and uploaded in the website. Online or Electronic publishing is exploding since its too cost effective when compared to the printed version of newspapers, magazines, newsletters etc. There are many innovative ways that a company can generate revenue from this business model.E-Advertising: Electronic advertising, the business model which grows constantly and is expected to out-perform the traditional advertising methods. From this business model companies can simply sell advertising space on the web which in turn generates a mutual understanding to both the parties (advertisers and publishers).Advertisers get revenue by posting advertisement in their website and publishers gets traffic to his website and/or brand awareness of his (publishers) product through advertisement. This is really a big business and one can monetize his/her website (if available) by just selling the website space.The above mentioned internet business model has been adopted by many companies and have created a history in this digital era. Thus internet has become the right source and a powerful tool for the businesses to create a new and innovative business strategy in order to sustain the market.Different authors have defined Internet business models in a different manner but the actual proposition and meaning is same. To see the different internet business model terms have a look at this article. Read HereAs a Wannabe internet business you have to analyze which internet business model is best for you or where you actually fit in the whole scenario.
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What We Have Here Is A Failure To Communicate

The results of this past election proved once again that the Democrats had a golden opportunity to capitalize on the failings of the Trump Presidency but, fell short of a nation wide mandate. A mandate to seize the gauntlet of the progressive movement that Senator Sanders through down a little over four years ago. The opportunities were there from the very beginning even before this pandemic struck. In their failing to educate the public of the consequences of continued Congressional gridlock, conservatism, and what National Economic Reform’s Ten Articles of Confederation would do led to the results that are playing out today.. More Congressional gridlock, more conservatism and more suffering of millions of Americans are the direct consequences of the Democrats failure to communicate and educate the public. Educate the public that a progressive agenda is necessary to pull the United States out of this Pandemic, and restore this nations health and vitality.

It was the DNC’s intent in this election to only focus on the Trump Administration. They failed to grasp the urgency of the times. They also failed to communicate with the public about the dire conditions millions have been and still are facing even before the Pandemic. The billions of dollars funneled into campaign coffers should have been used to educate the voting public that creating a unified coalition would bring sweeping reforms that are so desperately needed. The reality of what transpired in a year and a half of political campaigning those billions of dollars only created more animosity and division polarizing one extreme over another.

One can remember back in 1992 Ross Perot used his own funds to go on national TV to educate the public on the dire ramifications of not addressing our national debt. That same approach should have been used during this election cycle. By using the medium of television to communicate and educate the public is the most effective way in communicating and educating the public. Had the Biden campaign and the DNC used their resources in this way the results we ae seeing today would have not created the potential for more gridlock in our government. The opportunity was there to educate the public of safety protocols during the siege of this pandemic and how National Economic Reform’s Ten Articles of Confederation provides the necessary progressive reforms that will propel the United States out of the abyss of debt and restore our economy. Restoring our economy so that every American will have the means and the availability of financial and economic security.

The failure of the Democratic party since 2016 has been recruiting a Presidential Candidate who many felt was questionable and more conservative signals that the results of today has not met with the desired results the Democratic party wanted. Then again? By not fully communicating and not educating the public on the merits of a unified progressive platform has left the United States transfixed in our greatest divides since the Civil War. This writers support of Senator Bernie Sanders is well documented. Since 2015 he has laid the groundwork for progressive reforms. He also has the foundations on which these reforms can deliver the goods as they say. But, what did the DNC do, they purposely went out of their way to engineer a candidate who was more in tune with the status-quo of the DNC. They failed to communicate to the public in educating all of us on the ways our lives would be better served with a progressive agenda that was the benchmark of Senators Sanders Presidential campaign and his Our Revolution movement. And this is way there is still really no progress in creating a less toxic environment in Washington and around the country.