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Dramatically Increase Sales with The KISS Test
We've all heard the term KISS at one time or another - "Keep It Simple, Stupid." However, the majority of salespeople violate this basic principle more often than not.
Let me start with some examples of what I'm talking about. At one position I...
How to Get Organised for Xmas
Let’s make sure that this year you are really prepared for the Xmas onslaught. It’s an interesting time...extremely stressful for many people. There’s the pressure to complete projects, plan for 2002 and so many extra invitations. On top of that you...
Is Your MLM About To Go Bankrupt and Leave You Flat?
Introduction
Investing in a legitimate MLM is probably the best way to ensure that your MLM is not going to go bankrupt on you. This is not always an easy thing to ascertain even when you have access to detailed information about the...
What an Emotional Intelligence Program Can Do For Your Organization in 2004
The problems of low productivity, poor judgment, bad decisions, hiring the wrong people and losing the right people, unmotivated employees, lack of teamwork, and poor self-management lie wirh the emotions. So do the solutions. Studies have shown...
What is a Home Business?
First, let me clarify what kind of Home Business I’m discussing. There are many different kinds including just about anything that you could do from your home. I’m specifically talking about the kind of home business you do from your computer on the...
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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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