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Don’t Be Taken In By Unauthorized Insurance Entities!
Insurance fraud costs consumers—businesses included--an additional $1,500 per year in increased premiums. In fact, it can inflate premiums by as much as 30 percent -- National Insurance Crime Bureau Small-business owners often have trouble...
Ontario Genealogical Society elects a preferred support agreement with gomembers, Inc.
[Herndon, VA] gomembers (http://www.gomembers.com) announced today that the Ontario Genealogical Society (OGS: http://www.ogs.on.ca/) has chosen a Preferred Support Agreement (PSA) for its gomembers’ pinnacle software solution. “This PSA...
Recruit Your Way to the Top!
Essentially, a sales manager’s primary job is to recruit, train and motivate their sales force. Of these three vitally important responsibilities, recruiting is the least understood and by far the most challenging. When you recruit the right person...
The Challenges of Human Resource Management
Introduction
The role of the Human Resource Manager is evolving with the change in competitive market environment and the realization that Human Resource Management must play a more strategic role in the success of an organization....
Understanding Ezine Publishing!
I can remember my first reaction to word "ezine". What is it? The word "ezine", (pronounced ee-zeen), is a shortened version of "electronic zine", which is a word used to describe short self-published "electronic magazines".
Ezines can be...
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Financing a Business
The financing of a business is a relatively straightforward process, if you are aware of what lenders are looking for and generally what they will and will not do. The will be looking at your credit, your experience and the sort of down payment you have and information about what sort of note the seller is willing to take back when selling you the business.
As has been stated, the down payment on a business can be anywhere from 25% to 100% of the selling price. Lenders will not lend you this down payment money on the business itself. You will usually need to get this money from other sources, such as your personal savings, a family member, a retirement plan or other.
Your credit should be sorted out well before you start on buying a business. You want to handle any negative reports on your credit fully. You do not want anything that is negative showing up when a lender is checking your qualifications. Negative credit reports make them nervous.
Once you decide on the business you want, a business
plan on the business is essential before approaching a lender. They will want to see that you have some familiarity with the industry of the business and that you have some sort of management experience. Information on the availability of management and executives in the business that is going to stay after you buy it and so on should be included in this business plan. Also information on the training that the seller is committing to pass on with the sales of the business should be in this business plan.
If you handle these basics really well, it should be a relatively easy process to getting qualified for the funds to finance a business.
About the Author
Willard Michlin is a Business Broker, California Real Estate Broker, Accountant, Well known Public speaker and Administrative/Business Consultant. He can be contacted at his Ventura, California office by calling 805-529-9854 or by e-mail at kismetrei@earthlink.net. See other articles by Willard Michlin at http://www.kismetbusinessbrokers.com
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