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Fha Mortgage Loans - The Benefits Of An FHA Mortgage
The Federal Housing Administration (FHA) insures mortgages to
allow low to moderate income families to purchase their own
home. With government backing, families can buy a home at a
lower initial cost. However, there are limitations with...
Finding the Consolidation Loans that You Need
Consolidation loans can be very useful in a number of circumstances… they can be used to consolidate multiple loans at a single institution, to eliminate debts and combine them into a single monthly payment, and even refinance old loans into a...
Is The Use Of "Pay Day" Loans Wise?
Could pay day loans be the answer consumers with low bank accounts have been looking for? Is there any harm in using these services? Aren't they better than using credit cards or going hungry?
You've seen the commercials. Cute characters promise...
Secured Loans for Homeowners: The Best Choice For Borrowers
Homeowners in UK can use their home equity to get a secured
loan. Designed exclusively for the homeowners in UK this loans
carries very low interest rates. The collateral being offered by
the property or home equity, secured loans for the...
Unsecured business loans: apt genesis of intelligent financial management
A business requires a vision, a leadership and decision making
skills, knowledge, experience, intelligence and lots more. But
more than that you need resources, you need financial back up to
give the business the base it needs. Financial...
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Micro Loans Can Mean Macro Success for Your Business
"Inch by inch, row by row...that's the way my garden grows" was a favorite saying of my grandmother's -- usually when she was trying to teach me something about patience!
While I've never learned the art of having patience, I have learned that that particular saying can apply to creating a successful business.
If you've got big dreams for starting or growing your own business, but you lack the start-up capital, technical assistance or training that you need to succeed, then start by thinking...small.
In fact, think smaller than small. Think micro -- as in "microenterprise development programs".
What is a microenterprise development program?
Basically, it's a government sponsored or supported program that provides start-up or expansion capital, technical assistance and training to microbusinesses. It's designed to help entrepreneurs who don't have access to traditional means of credit. Which means that if you're low-income, you've got bad or no credit, you don't have enough collateral to apply for a business loan -- then you're a good candidate for a microloan.
Need other help?
How about training? Learning to write a business plan? Want to go back to school? Need help understand how to put together a cash flow statement?
Most microenterprise development programs also offer training, workshops and other assistance. If they don't offer it themselves, they'll be able to refer you to a community organization that does, and guess what? The help is often free, or offered for a very low cost!
What is a microenterprise?
It is any
business that can be started for less than $35,000, has fewer than five employees and has an annual revenue of less than $100,000.
What kind of businesses are eligible for microenterprise loans?
Traditional businesses such as: beauty parlors, bakeries, repair shops, childcare facilities, and arts and craft sellers.
Nontraditional businesses such as: massage therapists, event planners, soap manufacturers and acupuncturists.
If you want to start and run your business out of your home? You can. If you're ready to move out of the basement and into your own building? Microenterprise can help.
Where can you Find a Microenterprise Development Program in Your Community?
*Check out local nonprofit organizations such as the United Way, local community colleges or Small Business Development Center
*Talk to a SCORE Counselor
*Visit your local Chamber of Commerce
*Contact your local women’s organization or other small business group
*Visit http://www.microenterprisesuccess.com for free resources, information and helpful articles
So...start small, but dream big!
About the Author
Cheryl Antier is the President and CEO of Dream Weaver Enterprises, a business and fundraising consultancy firm that helps small business owners and nonprofit organizations “weave their dreams into reality” by helping them find the funding they need. Microenterprise can help small business owners get the start-up capital, training and technical assistance to start, build and grow their business. http://www.microenterprisesuccess.com
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