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7 Essential Resources for Small Business
So you want to start a business but you don't have a lot of money? Start your business online, and it won't be a problem. There are some pretty terrific resources you can use. Some of them you have to pay for, but they are inexpensive and can get...
How To Create Your Own Product Or Service (Part 2)
In the first installment to this series, we looked at creating and marketing your own info product. I gave several concrete examples of info products I created with very little investment of time or money which sell with tremendous success. If you...
How to Look After Your People So They Look After Your Business
Imagine being supported in your business by a team that were reliable, competent, communicated effectively with clients and colleagues, had heaps of initiative and a great attitude. No, this is not a pipe dream. It can happen for you. However it...
Inuit Eskimo Art As Investments
Many people collect Inuit Eskimo art as investments. Inuit art is growing internationally but it has been suggested that the number of actual Inuit artists are actually declining. The creation of the Nunavut government which represents Canada's...
Is This Any Way to Run Your PR?
You bet! Especially for business, non-profit and association managers who REALLY need to persuade their key outside audiences to their way of thinking. Then move them to behaviors that lead to the success of their department, division or...
 
How To Apply For a Business Loan

Worried about how to apply for a business loan? Although it may seem like a daunting task at first, it can be made less so by careful preparation. When applying for a business loan, you must prepare a written loan proposal. Make your best presentation in the initial business loan proposal and application; you may not get a second opportunity.

Always begin your proposal with a covering letter. Clearly and briefly explain who you are, your business background, nature of your business, the amount and purpose of your loan request, your requested terms of repayment, how the funds will benefit your business, and how you will repay the business loan. Keep this cover page simple and direct.

When writing your proposal, don't assume the reader is familiar with your industry or your individual business. Always include industry-specific details so your reader can understand how your particular business is run and what industry trends affect it.

Provide a written description of your business, including the following information:

Type of organization

Date of information

Location

Product or service

Brief history

Proposed Future Operation

Competition

Customers

Suppliers

Management Experience:

Resumes of each owner and key management members.

Loan Repayment:

Provide a brief written statement indicating how the loan will be repaid, including repayment sources and time requirements. Cash-flow schedules, budgets, and other appropriate information should support this statement.

Existing Business:

Provide financial statements for at least the last three years, plus a current dated


statement (no older than 90 days) including balance sheets, profit & loss statements, and a reconciliation of net worth. Aging of accounts payable and accounts receivables should be included.

Proposed Business:

Provide a pro-forma balance sheet reflecting sources and uses of both equity and borrowed funds.

Projections:

Provide a projection of future operations for at least one year or until positive cash flow can be shown. Include earnings, expenses, and reasoning for these estimates. The projections should be in profit & loss format. Explain assumptions used if different from trend or industry standards and support your projected figures with clear, documented explanations.

Collateral:

Provide a list assets to be held as collateral. Few financial institutions will provide non-collateral based business loans. All business loans should have at least two identifiable sources of repayment. The first source is ordinarily cash flow generated from profitable operations of the business. The second source is usually collateral pledged to secure the business loan.

Depending on your particular circumstance you may need to provide one or more of the following documents:

Lease, Franchise Agreement, Purchase Agreement, Letters of Intent, Articles of Incorporation, Plans, Copies of Licenses, Letters of Reference, Contracts or Partnership Agreement.

You may freely reprint this article provided the author's biography remains intact:

About the Author

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the www.directonlineloans.co.uk website.

 

Oral Presentation Advice
Your presentation should not replace your paper, but rather whet the ... Below I consider goals for academic interview talks and class presentations. ...
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Presentation Skills
This site contains annotated links to resources concerned with presentation and communication skills.
lorien.ncl.ac.uk
 
Presentation Helper - Free PowerPoint templates, help, advice and ...
Resources on how to make effective presentations. Includes tips on PowerPoint and topic ideas.
www.presentationhelper.co.uk
 
Neurobehavioral Systems, Inc.
Neuroscience stimulus delivery software can be used for cognitive psychology, fMRI, erp and single unit research (Windows).
nbs.neuro-bs.com
 
Why tables for layout is stupid: problems defined, solutions offered
Why tables for layout is stupid:. problems defined, solutions offered. Tables existed in HTML for one reason: To display tabular data. ...
www.hotdesign.com
 
The Gettysburg Powerpoint Presentation
This presentation prepared with the help of Microsoft Powerpoint Autocontent Wizard. ... Permission is granted to use this presentation in any course or ...
norvig.com
 
Presentation Zen
I love the clear presentation of the ideas in the book and the fact that the ... In the context of presentations, moving info away can help you and the ...
www.presentationzen.com
 
Presentation Tips for Public Speaking
Better Public Speaking & Presentation - Ensure Your Words Are Always ... On the Job: Public Speaking Tips - Twelve Steps to Great Presentations by Elise ...
www.aresearchguide.com
 
Presentation - Wikipedia, the free encyclopedia
Presentation is the process of presenting the content of a topic to an ... You should plan to rehearse your presentation out loud at least four times. ...
en.wikipedia.org
 
OSCON 2005 Keynote - Identity 2.0
“A barn-burner of a presentation. I loved this.” - Cory Doctorow. “I watched it twice, and greatly enjoyed it both times.” - Jon Udell ...
www.identity20.com
 
Presentations - Effective Communication - Public Speaking
Tips and tools for creating and delivering presentations: text, techniques and technology.
www.presentations.com
 
Presentation Information Resources - Presentation Technology News ...
Presentation Information Resources - Comprehensive presenter's resource providing instant access to up-to-date information on technology and techniques for ...
199.249.170.231
 
Effective Presentations homepage
In addition, the skills needed to prepare an oral presentation can be used ... A spiffy presentation discussing Effective Teaching with Powerpoint from the ...
www.kumc.edu
 
Impress
Your presentations will stand out with 2D and 3D clip art, special effects, animation, ... Slide show Animation and Effects bring your presentation to life. ...
www.openoffice.org
 
PRESENTATIONPRO - experts for Microsoft PowerPoint
A series of products and services to help enhance PowerPoint presentations with templates and backgrounds.
www.presentationpro.com
 
Leadership - Presentation Skills
Presentation, PowerPoint, and Leadership. ... Presentations and reports are ways of communicating ideas and information to a group. But unlike a report, ...
www.skagit.com
 
Presentation: See what people are saying right now on Technorati
See all blog posts tagged with presentation on Technorati.
www.technorati.com
 
Secretary of State Addresses the U.N. Security Council
My friends, this has been a long and a detailed presentation. And I thank you for your patience. But there is one more subject that I would like to touch on ...
www.whitehouse.gov
 
Rubric
Organization, Audience cannot understand presentation because there is no sequence of information. Audience has difficulty following presentation because ...
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Presentation Skills
Presentations are one of the first managerial skills which a junior engineer ... This article looks at the basics of Presentation Skills as they might apply ...
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