|
|
|
5 Tips for Maximizing Your Wireless Phone Savings
Here are a few tips for making sure you get the best deals when shopping for wireless services for your company. 1. Wireless services remain unregulated, so the buyer who is the best at negotiation wins the best rates. 2. Don't be afraid to ask...
A $100,000+ Discount On Miami Condos
By this point and time, many people have heard about buying preconstruction condos and some of the amazing profits that have been generated by these investments. What many people don’t understand is that there is another way to play the...
Business Loan Proposal
Loan Proposal
Applying for a small business loan can be exciting and yet
stressful at the same time. For the best results and to heighten
your level of confidence, be prepared when you visit the lender
you've chosen for your business loan...
Groupware: The Triple Threat of Document Collaboration Technology
Document Collaboration has made leaps and bounds since the explosion of the technology revolution. In any business era, the need to collaborate remains a constant. What varies is the ability of technology to keep up with demands of the...
How Debt Negotiation Can Benefit You
Debt negotiation and settlement can give you a drastic reduction in the amount of debt you owe and allow you to repay your debts in a much shorter time. Resolving your debts is important to your well-being and financial stability. Debt negotiation...
|
|
| |
|
|
|
|
|
|
Benefits of Unsecured business loans
Secured business loans, used as a source of business capital,
are disadvantageous not only because they can lead to
repossession of asset if repayments are not made. Secured
business loans come with many restrictions imposed by the loan
provider. The loan provider, for instance, will insist on a
particular debt-equity ratio in order to safeguard the amount
lent. This limits the entrepreneur's control over major
decisions on business.
An unsecured business loan, on the other hand, presents no such
restrictions. The enterprise has to pledge no asset for
repossession in case of non-payment. The assets are thus free of
any charge, and can be disposed off as one desires.
The prime customer group employing Unsecure
d business loans constitutes of entrepreneurs who prefer not
to attach the business assets to any obligation.
Businesspersons, who have undergone bad credit history, also
make use of this category of loans. Such businesspersons and
enterprises are known as problem cases. Failure to pay certain
debts in the past leads to county court judgements, and
bankruptcy, which in turn leads to bad credit history. Such
businesspersons are disadvantaged in secured loan deals.
Unsecured business loans however, present immense financial
opportunities before borrowers; particularly where the loan
amount desired is small.
The amount received through unsecured business loans will be
used for business commencement or expansion purposes, assets and
equipment purchase and refinance, and to restructure finances.
Some businesses use the loan proceeds as a working capital.
Still others would use the unsecured business loan to finance a
particular consignment. The repayment of this type of loan will
be due immediately after the entrepreneur gets payment from the
consignee, or any date decided.
As part of an agreement between loan provider and the
businessperson, cash will be transferred for use by the
business. The terms and conditions of the unsecured business
loan will have to be drawn through consultations between the
borrower and the loan provider.
APR is an important issue and needs to be discussed in detail.
Being unsecured, the unsecured business loan is more expensive.
The interest rate charged will be on the higher side. Risk is a
matter of perception. Different
lenders may look into a
particular case differently. APR would be decided on the basis
lender perceive risk involved in a particular loan request.
The principal issues you need to watch out for during the
decision making process have been illustrated below:
* Fees: This is the amount charged by loan providers as a
compensation for the service rendered. This is referred to as
points. Points, in some cases, are deemed to be investments. The
borrower agrees to pay increased points in exchange of a better
rate of interest. However, a comparison with the fees charged by
other competitive lenders is a must. Fees constitute a major
part of the cost. Hence, fees will be an important selection
criteria. * Prepayment: Most lenders will not agree to a
prepayment for the first 3-5 years. After the conclusion of the
period, the entrepreneur can seek premature settlement of the
loan account. This will enable borrowers to get rid of the loan
without incurring any redemption penalty.
* Grace period: This is the period for which loan providers will
allow borrowers to extend monthly repayments. For instance, if
the monthly repayment is due on the first of every month, late
payments up to the fifteenth of the same month will not be
deemed late. Entrepreneurs must negotiate a better grace period
from the loan provider.
* Late charges: Late charges constitute the penalty for delayed
payments. These are open to negotiation.
* Solicitors' fees: Borrowers can demand reasonable solicitors'
fees. Solicitors' fee implies that the borrower is required to
refund the lender's fees and costs that were incurred on
enforcing or recovering loan. This will become due when the
borrower does not repay unsecured business loan in full.
Unsecured business loans help garner the much needed resources
for business growth. The organisations where the need for
finance is urgent will find unsecured business loans the best
available option.
About the author:
Andrew baker has done his masters in finance from CPIT.He is
engaged in providing free,professional,and independent advice to
the residents of the UK.He works for the Secured loan web site
loans fiesta for any type of loans in uk,secured loans,unsecured
loans,debt consolidation loans please visit http://www.loansfiesta.co.uk<
/a>
|
|
|
|
|
| Negotiation - Wikipedia, the free encyclopedia |
| The first step in negotiation is to determine whether the situation is in fact a negotiation ... The book's approach, referred to as Principled Negotiation, ... |
| en.wikipedia.org |
|
| Negotiation Seminars Negotiation Training Negotiations Consultants ... |
| Negotiation and alternative dispute resolution seminars, negotiation training and video presentations with available keynote speakers. |
| www.negotiation.com |
|
| Program on Negotiation at Harvard Law School |
| Negotiation training, research, and publications from the world's foremost authority on negotiation and dispute resolution. |
| www.pon.harvard.edu |
|
| PON: Harvard Negotiations Project |
| Please visit the Harvard Negotiation Project website for complete information and ... The Harvard Negotiation Project's mission is to improve the theory, ... |
| www.pon.harvard.edu |
|
| The Negotiation Skills Company, Inc. |
| www.negotiationskills.com/ - 3k - Cached - Similar pages |
|
|
| Global Trade Negotiations Home Page |
| The Global Trade Negotiations Home Page at the Center for International Development at Harvard University - a centralized information resource on global ... |
| www.cid.harvard.edu |
|
| Principled Negotiation |
| Principled negotiation is the name given to the interest-based approach to negotiation set out in the best-known conflict resolution book, Getting to Yes, ... |
| www.colorado.edu |
|
| Salary Negotiation and Job Offer Tutorial |
| Job-seekers: Learn the basics (and advanced techniques) of the art and strategy of salary negotiation (getting the salary you want) in this tutorial. |
| www.quintcareers.com |
|
| Salary Negotiation and Job Offer Tutorial -- Map of the Tutorial |
| Site map to an expert (and free) tutorial on the art and strategy of salary and job offer negotiation. A guide to assist every job-seeker with salaries. |
| www.quintcareers.com |
|
| Win-Win Negotiation - How to reach a fair compromise - Negotiating ... |
| This article and free worksheet help you negotiate fair compromises with people whose goodwill you need. It highlights the importance of good negotiation ... |
| www.mindtools.com |
|
| negotiation journal |
| www.springerlink.com/link.asp?id=102591 - Similar pages |
|
|
| Apache Content Negotiation |
| Apache's support for content negotiation has been updated to meet the ... Apache 1.2 supports 'server driven' content negotiation, as defined in the ... |
| httpd.apache.org |
|
| JobStar--Salary Negotiation Strategies |
| JobStar is a public library sponsored guide to information for the job search. Sections useful for California are: 1500 job hotlines, calendar of job and ... |
| jobstar.org |
|
| Eric C. Gould's Negotiation Site |
| Subscribe to newsletter with negotiating tips and techniques. |
| www.batna.com |
|
| free negotiation training for sales, debt, contract, salary ... |
| Free negotiation skills training for sales, contracts, debt, salary and contracts, negotiating with creditors, negotiation skills and techniques, ... |
| www.businessballs.com |
|
| Monster.com: The Negotiation Coach |
| Salary Negotiation Advice from HR Managers · Negotiating Your Future Salary Today · Overlooking Their Interests -- A Big Mistake in Salary Negotiations ... |
| midcareer.monster.com |
|
| Negotiation Articles |
| Negotiation articles for the busy entrepreneur written by a diverse group of experts, speakers, professionals, consultants, and marketing companies. |
| www.pertinent.com |
|
| CareerJournal | Negotiating Tips - Salary Negotiation Tips ... |
| Salary Negotiation Tips - When it's time to negotiate salary changes, trust Career Journal to give you the best and most current career salary information. |
| www.careerjournal.com |
|
| PON Clearinghouse |
| Welcome to the Program on Negotiation Clearinghouse, a resource center for people interested in learning and teaching about negotiation and alternative ... |
| www.pon.org |
|
| :: Negotiations Affairs Department :: |
| Information on the issues, history, developments and positions regarding Palestinian-Israeli peace negotiations. |
| www.nad-plo.org |
|
|