Getting to Know the Different Types of Weight Management Supplements

Losing those excess pounds can be quite a challenge. But fortunately for all you dieters, there are now plenty of weight management supplements that can help you achieve that goal. But still, what you need to keep in mind is that different weight pills work in different ways and it is very important that you know what product will work best on your. So here are the different types of weight management pills that are available in the market and how they work to shed off those pounds.

Anorectics

Anorectics are appetite suppressants that will prevent you from feeling hungry. Although this is an effective way of losing weight, anorectics as weight supplements also have its own disadvantages. Fatal heart diseases and conditions have been associated with the use of this drug. The drug was initially used to treat obesity but is now mixed into several products from teas to juices that let you limit food intake.

Amphetamines

Just like the anorectics, amphetamines are used in weight management supplements as an appetite suppressant. The drug is also known as a stimulant, increasing wakefulness and focus. And just like anorectics, they are also highly associated with cardiac problems. The drug can also be addictive when used without the proper medical guidance.

Ephedrine

Another appetite suppressant, ephedrine is one of the most commonly used substance in weight management supplements today. This is actually an alkaloid derived from certain plants and has long been used by Chinese herbal medicines for treatment of asthma and bronchitis. Ephedrine is also known to induce fat loss in humans by thermogenesis – or heat production in the skeletal muscles.

Conjugated linoliec acids

Conjugated linoliec acid is a kind of linoliec acid that is normally found in meat and dairy products. Recent studies have shown that these CLAs, when used as weight supplements, can reduce amounts of body fat. So how does it work exactly? It does not eliminate fat cells, but instead, it keeps them from getting bigger. Aside from that, CLA has been found to improve insulin levels and even the amounts of glucose in the blood.

Guarana

Guarana is a natural substance occurring in certain herbs and is considered to be a diuretic. It also contains cocaine which is an appetite suppressant as well. But because of this, most of the people taking this as weight management supplement may experience palpitations and even the occasional tremors.

Green tea extract

Another natural alternative to weight loss, green tea extract is known to be an appetite suppressant and can speed up calorie and fat metabolism. Green tea is made from Camellia sinensis and now available in the market in powder form or in capsules. Green tea extracts also contain antioxidants and substances that help lower blood cholesterol and promote a healthy heart.

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You Can Find Affordable Health Insurance Online If You Know How to Look

Are you looking for affordable health insurance for you or the family? It is quite easy to shop online and find multiple health insurance plans if you know how to look.

My recommendation is to find an Independent Health Insurance Agency that offers both online quoting as well as an actually insurance agency in your area or region of the country. These are the agencies of the future because they provide the ease of online quoting, online documents, as well as local agents to help with questions and concerns. The key is the ability of these agency to have online quoting tools so you can compare many different plans side-by-side.

Be careful however, many online health insurance quoting companies are not actually insurance agents. These companies sell or rent your information to multiple health insurance agents and you could receive as many as 10 different calls from agents across the country. So, when looking online simply ask if your information is kept secure or if it is sold. You can often find this information within a company’s privacy statement provided with reputable websites. It is also helpful if your new agency is a member of the Better Business Bureau as a reliable consumer accredited business.

Now that you have qualified the online health insurance provider you can begin your search for coverage. Many agencies now work in multiple states but as I mentioned good software that will compare multiple health insurance plans is your key to success. Get a quote online by entering general information about you and those looking for coverage, this will include your birthday, zip code, as well as height and weights. Now you can review multiple health insurance plans online directly from many different insurance companies.

One important point about independent insurance agents and something most people don’t realize, is that all insurance pricing is provided directly from the insurance companies to all independent agents. There is no mark-up when working with an agent but they can recommend the best health, dental, or vision plan for your specific needs. So, take the time to speak with an agent when you have questions or concerns. They are very well informed and can advise you on health plan selections.

If you do find the health plan that fits your needs online you can choose to purchase your health plan directly from the insurance company by clicking the “apply” button provided with your quotes. All information is secure and quite easy to complete online. The insurance provider and your independent agent will then contact you to help with the process and answer any concerns you may have.

Independent insurance agents can also make recommendations for you as your needs change. Your agent will offer friendly professional advice and will help you find affordable coverage that fits your needs and budget. By working with multiple insurance companies your new agent can provide you with the information necessary to make an informed decision about your coverage.

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Keep Your Health in Mind While Web Working at Home

The arrangement of office equipment can have an enormous impact on whether a business succeeds or not. Subtle changes to the office arrangement will not only result in a more healtful work place but it will also help increase productivity.

It can make a web working at home business endeavor much more comfortable and successful and simultaneously have a positive influence on your health.

Did you know that using a mouse on a regular basis could result in the onset of Carpal Tunnel Syndrome or other related injuries? Here are some pointers on how to structure your office as to avoid any of these risks.

Arranging Office Equipment

Try to locate your desk away from high-traffic areas. This could avoid injury as well as excessive distraction. Keep the area under your desk clear from wires and all other clutter. Arrange all reference materials for easy access. By doing this you will be able to find certain information right away.

If you are a note-taker have a designated area to keep them. Keep your screen clean. Use high-contrast natural screen colors. Keep the mouse close to the keyboard.

Don’t place your monitor in front of a window. Doing so can put unnecessary strain on your eyes with the difference in light intensity. If your desk is located near a window, use window blinds to reduce glare. The monitor should be placed at eye level as to minimize strain on your neck. The distance between the screen and your eyes should range between 18 to 30 inches.

Ergonomically Correct Posture

What is ergonomics? Ergonomics is adapting your physical work space to suit your body. When purchasing an office chair, make sure that it can give you sufficient back support as well as arm support. It should also be adjustable and stable.

Excessive twisting and reaching should be avoided when in a sitting position. Change positions frequently. Attempt not to cross legs as this action cuts off circulation and can cause spider veins. Crossing legs at the ankles is preferable.

In addition to adjusting your physical work space, it is important that you consider your computer use behavior. If you are not using the equipment in an ergonomically sound way, although you work station may be ergonomically correct, you will still be vulnerable to computer use injuries.

Concentrate on using a light touch to grip and click the mouse. Press keys on the keyboard gently. Wrists need to be kept in a straight position, and also make use of a palm rest while not typing.

Master your stretches

Take frequent breaks to give your muscles time to relax and also to clear your mind. Shoulder tension is common in computer users. The easiest way to release some tension in your shoulders is to perform shoulder shrugs, raising your shoulders up towards your ears and then releasing them.

In a standing position, squeeze your shoulders blades together towards the middle of your back and release. This same stretch can be done with your arms over your head.

Try to also incorporate neck stretches after sitting in the same position for a long period of time. Slowly rotate your head from side to side stretching the muscles on either side of your neck.

The chin tuck is also a very beneficial stretch for your neck. Slowly tuck your chin down, while keeping your eyes focused on an object in the distance. You should feel a good stretch in the back of your neck.

Back bends stretch you trunk, hips and joints in your lower back. Support your back by putting your hands in the small of your back and slowly bend backwards until you feel a gentle stretch.

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Good Diet Plans To Lose Weight Won’t Leave You Hungry And Cranky

Diet plans to lose weight shouldn’t involve a lot of things that purport to be food but aren’t, because that means that essentially you’re paying for food with all the nutrition taken out, which is why you need supplements and are hungry all the time.

A Diet That Helps You Get Healthier Is Great But…

Let’s be honest: most of us want to lose weight to improve our appearance. But there can be significant healt reasons for losing as little as ten percent of your body weight. Ten percent can improve your cholesterol, your blood pressure and your energy level.

The less effort your body has to devote to simply breathing, the more it can devote to getting you up and around, and even making your brain alert so that you can appreciate and enjoy the world more as you pass through it.

Did you know that that ten percent can also substantially reduce your pain? If you have arthritic knees or a bad back or any of a the numerous aches that come from a misspent youth being active and/or a misspent adulthood sitting hunched over a computer (I’m guilty as charged), taking off those pounds will take hundreds of pounds of pressure off your body with every step you take.

It won’t eliminate the problem entirely, but it will certainly mitigate the pain and make becoming active again that much easier. Losing twenty pounds or more is a great accomplishment, but it’s also far easier than you might think given a good diet plan.

If You Hate It, You Won’t Stick With It

But a good diet plan to lose weight is not one that leaves you tired and cranky and hungry. Which takes us back to the diet foods. Did you know that when companies take the fat out of foods to reduce the fat and calorie content, they often add in sugar to make up for it? Sugar has fewer calories than fat, so in a sense the food is “reduced.” But it’s also far worse for your metabolism that the original, full fat item was.

This is because the way food is supposed to work in your body is by being broken down and distributed to the various areas that need the nutrients. In the end, pretty much everything you eat is broken down into sugars.

This is where the energy comes from to keep you working, running, running after children, getting that second Ph.D or all three. However, when it starts out as sugar, it means that you get an immediate rush and then, because your system doesn’t have to do anything to process the food, it’s all stored away, so that when the rush wears off, you have to eat more to replenish it.

So, even if you manage to lose weight, you’ve done so by ignoring your nutritional needs, which generally leads to gaining it all back, because you can’t sustain it.

Diets That Keep You Satisfied Are Diets You Can Stick With

To lose that ten percent or more and feel good at the same time, you also need special foods. Real, single ingredient, organic foods that taste good, fill you up and are processed by your body in such a way that you get the nutrients you need. This will speed up your metabolism, give you more mental and physical energy and before you know it, more than ten percent will be a faint memory and you still won’t be hungry!

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Find Ways to Lower Insurance Costs and Find Affordable Health Insurance Quotes

These days more and more employers are starting to push the expense of medical insurance onto their employees. This can be a problem because most people’s premiums are continuing to rise, as costs are going up more than 10 percent. Then you have to include rising co-pays, premiums, deductibles and prescription drugs, which makes it difficult for some people to afford insurance. However, there are ways to lower the insurance cost and find affordable health insurance quotes.

One way to lower the overall monthly premium is to increase the deductible on the insurance. This isn’t always possible for some people or plans, but if you are normally healthy, this can save you hundreds of dollars, help you find affordable health insurance quotes and get you lower monthly premiums. However, if you increase the deductible, make sure to have a health savings account or an emergency fund to cover the high deductible.

Another way to save money is to use generic drugs. This will help you save hundreds of dollars a year. If you are married, you should look to see which spouse has better family coverage on their policy. It isn’t possible for both of you to have it, but make sure to look at the policies and see who offers the best coverage for kids. Sometimes you can split the coverage and put one child with one parent and the other child with the second parent.

You do need to keep in mind that employers won’t always offer the best deals on affordable medical insurance. You may want to shop around and see what other health insurance companies offer and find out if there is a policy that is more affordable. There are some employers that will pay you money for insurance if you find your own affordable health insurance quotes and policy.

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Small Business Finance Success Improves With Realistic Options

The goal of being realistic when seeking new commercial loans and working capital financing will help commercial borrowers avoid a number of commercial finance problems. With proper preparation business owners should be in a better position to obtain new financing despite the difficult challenges impacting most working capital loans and small business financing. Nevertheless it should be anticipated that terms of financing will be different from prior commercial financing. Because of recent commercial lending difficulties, business owners actively assessing the most effective options for their small business finance decisions are likely to find the smoothest path to business loan success.

In view of volatile conditions which have recently impacted credit markets, this will not be a simple task. A very common example of the problem is illustrated by how much misinformation and confusion there has been about business financing and working capital availability. Getting more accurate information about what is realistically possible can be one of the most difficult challenges for commercial borrowers.

When seeking to identify realistic choices in a confusing working capital management climate, a number of harsh realities must be confronted by all small business owners. For most current commercial financing decisions by business owners, there are several major factors to anticipate. In the first example, additional small business loan collateral is being requested by most commercial lenders. Second, many regional and local banks have discontinued lending for business financing and working capital. In a third example, businesses which are not currently profitable or not current in their debt payments will have extensive difficulties. Fourth, business construction funding currently is very limited in most areas. In a fifth example, lenders are eliminating unsecured business lines of credit for most small business owners.

Despite the new business financing limitations just noted, there are practical working capital options for small business owners to consider. An increasingly effective commercial financing option in the midst of an uncertain economy is a merchant cash advance program based on credit card processing activity. Even though this commercial funding option has been available for a few years, it has not been used by most small businesses. For most businesses which accept credit cards, merchant cash advances should be evaluated as an important tool for improving business cash flow. Small business owners wanting to pursue this financing option should consult a business financing expert who is knowledgeable about this working capital management approach as well as other small business loans.

Even though working capital loans are not as widely available as they were just a few months ago, this kind of small business financing is still in fact obtainable. Since some of the largest providers have stopped making these business loans, the main change for business borrowers is the likelihood that they will be dealing with a different commercial lender. Small business owners will benefit from finding an experienced and candid business financing expert to assist in evaluating realistic options because the most effective working capital financing providers are not aggressively marketing this capability.

As stressed above, when making commercial financing decisions it is becoming increasingly important for business owners to first determine their effective business finance funding options. Because of recent volatility in financial markets, this task is likely to be much more difficult than most commercial borrowers realize. It is advisable to explore commercial finance options that might be necessary if economic conditions change even further even for business owners who are satisfied with their current working capital financing arrangements. The use of Plan B contingency financing is an important tool to assist commercial borrowers in this process.

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Business Finance Training and Effective Business Solutions

Business finance training refers to programs that teach individuals how to handle various financial duties. Finance training is similar to finance tips in that both help business owners make better monetary decisions, but training programs offer a more detailed explanation of finance strategies. Training programs vary in price and can be used by the owners and employees of a business.

The most basic business finance training provide information on budgeting, preparing financial statements, managing cash flow, strategizing, forecasting, improving performance, and applying basic procedures and concepts to more effectively manage a business. These programs are recommended for new business owners to help them understand standard business practices. Once these basic methods are mastered, more specific financial training may be looked into.

Advanced business finance training delves more deeply into a certain financial procedure or concept, usually at a higher cost than basic programs. Advanced programs may teach business owners how to set up effective business models, make decisions based on quantitative analysis, manage and control accounts, practice due diligence, measure productivity, and strategize concerning mergers and acquisitions.

Taking part in any kind of business finance training gives a business owner the resources to make more intelligent business decisions that result in increased productivity and profits. Many different types of courses are available either online or at a specified location. Some programs may even offer the option to train at the business. Taking into consideration the needs and abilities of a business is the key to finding the best business finance training.

A business finance solution generally refers to methods of funding and maintaining the finances of a business. Most solutions involve ways of obtaining working capital, but others also offer ways of protecting and increasing that capital.

To obtain working capital, business owners look to finance solutions that offer funding by several different means. The most common means are loans and financing. Asset-based loans use a business’s assets, such as inventory and equipment, as collateral. A business may also opt for a property loan in order to acquire commercial space. Invoice financing, such as factoring, involves liquidating or selling a business’s accounts receivables in exchange for quick funding. Some businesses look to trade financing to supply their inventory. The business will tell its financer the amount and cost of goods needed, and the financer will pay for the goods. The business then repays the amount financed over a specified period of time.

Most companies that provide business finance solutions also offer ways to protect and increase a business’s capital. Credit protection safeguards a business from daily risks, such as customers not paying on time, so that the business does not suffer incredible losses. This makes it much easier for the business to borrow money in the future, and it protects the balance sheet. A finance solution may also offer business insurance plans that increase the stability of a business. The most common types of business insurance are employee and public liability, car, property, and health insurance. These business finance solutions are designed to protect businesses against potential losses.

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Customer Finance Programs Key to Increasing Sales

While studies show that technology spending is once again on the rise, there’s a reason you haven’t heard a collective sigh of relief from the software industry. While many budgets are once again allowing for the purchase of enterprise software, hardware and peripherals, there’s no question that today’s purchasers are smarter, savvier and more selective than ever.

Even though the purse strings have loosened, competition is at an all-time high. It’s no longer enough to provide a software solution that meets the potential customer’s needs, or even to provide it at the best price. Today, smart vendors are constantly looking for ways to stay one step ahead of the competition.

While increasing sales is always part of a competitive business strategy, software development companies often overlook a simple method of accomplishing this objective – making it easier for customers to buy.

One option increasing in popularity among software vendors is to establish a customized finance program that provides no-hassle financing solutions for your prospective clients. In addition to “one-stop shopping,” your customers can reap the other benefits of financing that make it easier for them to commit to technology purchases, including:

100 percent financing — Many finance companies offer 100 percent financing for the cost of software and maintenance contracts, which requires no down payment. Because customers don’t have to come up with a down payment, they can make a purchase immediately, rather than hold up the sale with a “wait and see” mentality that often accompanies a dip into cash reserves. It also allows your customers to invest more capital in revenue-generating activities.

Improved cash flow management – With software financing, your customers can conserve capital for reinvesting in their business and improve budgeting accuracy through fixed monthly payments. Financing also makes it easy for customers to access multiple-year budgets by paying for the benefit of your software over its useful life.

Flexible payment structures – Customers can optimize project budgets by taking advantage of the flexible payment structures available through financing to maximize the return on their investment. For example, with software financing, customers can ramp up payments to match the revenue generation of a new technology project that is utilizing the software being financed.

While financing provides a clear advantage for the buyer, when a program is well planned, the list of advantages for software developers, distributors and resellers can be even more beneficial.

Improved Customer Relations

As noted above, financing packages add value for the customer by enhancing their buying power, offering greater flexibility and providing convenience. It also increases their satisfaction through the ability to leverage their budget to acquire the total technology solution – which could include software, hardware, service, support, integration and training – rather than only the parts and pieces they could afford through an outright purchase.

Shorter Sales Cycles

On the sales side, any customer who expresses some interest in a product seems like a good lead. However, there are many times when the question of how to pay for the new software prevents the sale from happening. Time lost on dead-end deals can be eliminated when financing is part of the sale, as the ability to pay is immediately considered in the equation. In addition, many finance companies now offer fast, easy credit and documentation processes, so you can complete a sale quickly and avoid costly processing delays.

Another benefit is that as software needs are being discussed in the sales process, the finance specialist can work with the chief financial officer or accountant to determine which financing option and payment plan best suits business needs and cash flow.

Direct customer financing can also save software vendors millions of dollars each year by reducing the number of days a sale is outstanding. Consider a company with quarterly cash sales of $50 million. On average, it can take 45 days to collect payment. Assuming a borrowing rate of 6 percent, the 45-day lag in payment results in a carrying cost of $371,204. If the same numbers are run with a leasing finance program that generates payment within 2 days, the carrying cost drops $82,253, saving the company more than $288,951 in one business quarter.

The Big Picture

Overall, equipment financing programs can:

Generate larger, more profitable sales faster;

Increase account control;

Improve sales efficiency and productivity;

Lower days-sales-outstanding;

Improve cash flow;

Differentiate your company from its competition; and

Provide complete solutions for your customers.

Taking the Next Step

After identifying an interest in offering flexible financing as part of the sales process, the next step is to develop a finance program. By partnering with an experienced leasing company to develop a finance program for your customers, you can transfer all of the uncertainties of extending terms to your customer to the finance company.

Partnering with an experienced finance company also means you can concentrate on what your company does best – developing software – while letting a finance expert handle the intricacies of a finance program. Put simply, by working with a third party, your company will receive all of the benefits with none of the risk.

Whether you choose to refer your clients directly to your financing program partner or to work with a third-party finance partner to develop an in-house program, it is essential to choose an experienced equipment finance partner. During the sales process, the finance expert will be working closely with your customers, and it’s important that his or her actions and service levels reflect your company’s ability to meet your customers’ expectations. When searching for a finance partner, look for a company that:

Is flexible and willing to work with your management team to develop a program that will meet your financial objectives;

Is experienced in the IT and software finance world, since the sales process, client-decision criteria, and revenue recognition issues are different than that of capital asset sellers;

Provides marketing support and materials to help you promote your financing program

Is willing and able to provide your sales team with materials and training to ensure sales team members are comfortable and easily able to raise financing as an option with their clients; and Is a financially stable, long-term business partner.

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Alternative Financing for Wholesale Produce Distributors

Equipment Financing/Leasing

One avenue is equipment financing/leasing. Equipment lessors help small and medium size businesses obtain equipment financing and equipment leasing when it is not available to them through their local community bank.

The goal for a distributor of wholesale produce is to find a leasing company that can help with all of their financing needs. Some financiers look at companies with good credit while some look at companies with bad credit. Some financiers look strictly at companies with very high revenue (10 million or more). Other financiers focus on small ticket transaction with equipment costs below $100,000.

Financiers can finance equipment costing as low as 1000.00 and up to 1 million. Businesses should look for competitive lease rates and shop for equipment lines of credit, sale-leasebacks & credit application programs. Take the opportunity to get a lease quote the next time you’re in the market.

Merchant Cash Advance

It is not very typical of wholesale distributors of produce to accept debit or credit from their merchants even though it is an option. However, their merchants need money to buy the produce. Merchants can do merchant cash advances to buy your produce, which will increase your sales.

Factoring/Accounts Receivable Financing & Purchase Order Financing

One thing is certain when it comes to factoring or purchase order financing for wholesale distributors of produce: The simpler the transaction is the better because PACA comes into play. Each individual deal is looked at on a case-by-case basis.

Is PACA a Problem? Answer: The process has to be unraveled to the grower.

Factors and P.O. financers do not lend on inventory. Let’s assume that a distributor of produce is selling to a couple local supermarkets. The accounts receivable usually turns very quickly because produce is a perishable item. However, it depends on where the produce distributor is actually sourcing. If the sourcing is done with a larger distributor there probably won’t be an issue for accounts receivable financing and/or purchase order financing. However, if the sourcing is done through the growers directly, the financing has to be done more carefully.

An even better scenario is when a value-add is involved. Example: Somebody is buying green, red and yellow bell peppers from a variety of growers. They’re packaging these items up and then selling them as packaged items. Sometimes that value added process of packaging it, bulking it and then selling it will be enough for the factor or P.O. financer to look at favorably. The distributor has provided enough value-add or altered the product enough where PACA does not necessarily apply.

Another example might be a distributor of produce taking the product and cutting it up and then packaging it and then distributing it. There could be potential here because the distributor could be selling the product to large supermarket chains – so in other words the debtors could very well be very good. How they source the product will have an impact and what they do with the product after they source it will have an impact. This is the part that the factor or P.O. financer will never know until they look at the deal and this is why individual cases are touch and go.

What can be done under a purchase order program?

P.O. financers like to finance finished goods being dropped shipped to an end customer. They are better at providing financing when there is a single customer and a single supplier.

Let’s say a produce distributor has a bunch of orders and sometimes there are problems financing the product. The P.O. Financer will want someone who has a big order (at least $50,000.00 or more) from a major supermarket. The P.O. financer will want to hear something like this from the produce distributor: ” I buy all the product I need from one grower all at once that I can have hauled over to the supermarket and I don’t ever touch the product. I am not going to take it into my warehouse and I am not going to do anything to it like wash it or package it. The only thing I do is to obtain the order from the supermarket and I place the order with my grower and my grower drop ships it over to the supermarket. ”

This is the ideal scenario for a P.O. financer. There is one supplier and one buyer and the distributor never touches the inventory. It is an automatic deal killer (for P.O. financing and not factoring) when the distributor touches the inventory. The P.O. financer will have paid the grower for the goods so the P.O. financer knows for sure the grower got paid and then the invoice is created. When this happens the P.O. financer might do the factoring as well or there might be another lender in place (either another factor or an asset-based lender). P.O. financing always comes with an exit strategy and it is always another lender or the company that did the P.O. financing who can then come in and factor the receivables.

The exit strategy is simple: When the goods are delivered the invoice is created and then someone has to pay back the purchase order facility. It is a little easier when the same company does the P.O. financing and the factoring because an inter-creditor agreement does not have to be made.

Sometimes P.O. financing can’t be done but factoring can be.

Let’s say the distributor buys from different growers and is carrying a bunch of different products. The distributor is going to warehouse it and deliver it based on the need for their clients. This would be ineligible for P.O. financing but not for factoring (P.O. Finance companies never want to finance goods that are going to be placed into their warehouse to build up inventory). The factor will consider that the distributor is buying the goods from different growers. Factors know that if growers don’t get paid it is like a mechanics lien for a contractor. A lien can be put on the receivable all the way up to the end buyer so anyone caught in the middle does not have any rights or claims.

The idea is to make sure that the suppliers are being paid because PACA was created to protect the farmers/growers in the United States. Further, if the supplier is not the end grower then the financer will not have any way to know if the end grower gets paid.

Example: A fresh fruit distributor is buying a big inventory. Some of the inventory is converted into fruit cups/cocktails. They’re cutting up and packaging the fruit as fruit juice and family packs and selling the product to a large supermarket. In other words they have almost altered the product completely. Factoring can be considered for this type of scenario. The product has been altered but it is still fresh fruit and the distributor has provided a value-add.

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Business Finance Funding Advice and Commercial Financing Help

The Working Capital Journal is one of several commercial financing resources which should be reviewed regularly by small business owners to assist in keeping up with the imposing difficulties posed by rapid changes in the business finance funding climate. As noted below, there have been some surprising actions taken by lenders as a direct result of recent financial uncertainties. The increasingly complex and confusing environment for working capital finance is likely to produce several unexpected challenges for commercial borrowers.

The working capital finance industry has primarily been operating on a regional and local basis for many years. In response to cost-cutting that has permeated many industries, there has been a consolidation that has resulted in fewer effective commercial lenders throughout the United States. Most business owners have been understandably confused about what this might mean for the future of their commercial financing efforts, especially because this has happened in a relatively short period of time.

Of course, for some time there have been ongoing complex problems for commercial borrowers to avoid when seeking commercial loans. But what has produced a new set of business finance funding problems is that we appear to be entering a period which will be characterized by even more uncertainties in the economy. Previous rules and standards for commercial financing and working capital finance are likely to increasingly change quickly, with little advance notice by business lenders.

Business owners should make an extended effort to understand what is happening and what to do about it due to this realization that substantial changes are likely throughout the United States in the near future for commercial finance funding. At the forefront of these efforts should be a review of what actions commercial lenders have already taken in recent months. The Working Capital Journal is one prominent example of a free public resource that will facilitate a better understanding of the responses by business lenders to recent economic circumstances.

By publicizing actions taken by commercial lenders, this will contribute to these two goals, both of which are likely to be helpful to typical business owners: (1) To highlight controversial bank-lender tactics with a view toward reducing or eliminating questionable lending practices. (2) To help business owners prepare for commercial finance funding changes. To assist in this effort, sources such as The Working Capital Journal are encouraging business owners to report and describe their own experiences so that they can be shared with a broader audience that might benefit from the information. Some of the most significant commercial financing changes reported so far by commercial borrowers involve working capital loans, commercial construction financing and credit card financing. A notable situation of concern is that predatory lending practices by credit card issuers have been reported by many business owners. Some specific businesses such as restaurants are having an especially difficult time in surviving recently because they have been excluded from obtaining any new business financing by many banks.

One of the few recent bright spots in business finance funding, as noted in The Working Capital Journal, has been the continuing ability of business owners to obtain working capital quickly by business cash advance programs. For most businesses accepting credit cards, this commercial financing approach should be actively considered. Business cash advances are literally saving the day for many small business owners because most banks appear to be doing a terrible job of providing commercial loans and other working capital finance help in the midst of recent financial and economic uncertainties. For example, as noted above, restaurants are virtually unable to currently obtain commercial finance funding from most banks. Fortunately, restaurants accepting credit cards are in a good position to obtain needed cash from credit card receivables financing and merchant cash advances.

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