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At incorporate.com, we've made helping small business owners our top priority. Founded in 1899 by the architects of Delaware's corporate laws, we have more than a century of experience. We've helped hundreds of thousands of small business owners incorporate or form an LLC. When we say that we lead the industry in incorporation and LLC formation services, we mean it. We'll never stop looking for new services, partners, opportunities, and better ways to serve our customers. We hope that you'll give us the opportunity to work with your company. My Goal Is To Bring Businesses And People Together In A Way That Creates Value For Both. People Find Stuff They Like! Businesses Find People Who Like What They Do!: Expectations vs. Reality / Your Eyeball Acquisition Specialist All I ask of you is to keep sharing my posts, thank you!
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How to improve cash flow for small businesses(BPT) - The last few years have been rocky times for the 32.5 million U.S. small businesses, according to the U.S. Small Business Administration (SBA). They have faced big challenges such as the COVID-19 pandemic, labor shortages and rising inflation. These firms, which account for 43.5% of gross domestic product, are also facing a lending crunch. The Associated Press reported in April that banks have been less generous with loans. In 2019, about 50% of businesses received the full amount of loans they requested. But in 2021, it was 30% — a steep drop. Minority- and women-owned businesses also feel they have a big hill to climb when it comes to loans. For example, Black-owned businesses feel they are less likely to secure the full amount of financing they request. For women, a Bank of America study stated that 60% of female business owners felt they didn’t have the same access to financing as male entrepreneurs. In the face of this challenging environment, more business owners are taking a hard look at how to improve cash flow, from traditional sources to emerging alternatives. Traditional sources of capital To fund their business ventures, business owners have typically turned to their personal savings or family and friends. Outside of that, bank loans remain a go-to option because of their relatively low rates. But those loans are becoming harder to secure. Another issue is that many banks require multiple years of financial records, which emerging companies may not be able to provide. Loan financing also comes with strings attached, such as administrative red tape, restrictions, lag time in receiving the actual funds, and shorter coverage periods. Another “traditional” route is asset-based lending, which requires collateral. This type of capital has its own detractors, including substantially higher overhead to maintain and higher interest rates over time. Also, lenders prefer liquid assets such as securities, which many business owners may not have. A third option is factoring programs, which involve businesses selling their unpaid invoices in return for immediate working capital. Downsides include lack of control and higher costs compared to regular loans. Another detractor is stigma — factoring may signal to customers possible cash flow problems. Alternative sources of financing Many business owners have now turned to alternatives such as online lenders and crowdfunding. Businesses with a new product have turned to crowdfunding sites like Kickstarter and Indiegogo. But there can be pitfalls. Setting up a campaign that goes viral and attracts supporters isn’t guaranteed. Online lending platforms are another attractive form of financing, but while the cash flow may be instantaneous compared to traditional banks, these online loans come with higher interest rates and big late penalty fees. A cursory look at online lenders reveals APRs at 10% or higher. Traditional bank loans are 3% to 7%. New solutions for financing and managing cash flow For business owners who find the drawbacks of traditional financing overwhelming or are leery of alternative modes, there is another route to consider when managing cash flow. Increasingly, nonbank companies are integrating bank-like services into their tech platforms, a concept known as embedded finance. These bank-like services could include payments and invoice processing and lending. Advantages of embedded financing, like Plaid or Apple Pay, are transparency, ease of transactions, the capture of relevant customer data, and they offer another revenue stream to businesses. Business owners who are considering this as a solution should consider speed and ease of payments, costs and other benefits when deciding between platforms. For example, C2FO, a fintech software company, offers an integrated and secure platform where businesses can accelerate the payment of invoices while offering a discount to customers who pay early. An advantage of this platform is improved cash flow, giving the businesses the power to determine the best time and terms for getting paid. Business owners who partner with C2FO also sidestep the red tape and costs of traditional and alternative financing routes. For another solution, C2FO is now offering the C2FO CashFlow+TM Card, a new card that expands on C2FO’s established early payment system. The process is as follows: Business owners choose which invoices to accelerate, and early payments are sent to the CashFlow+ Card. Where this differs from typical early pay is that there is no discount given to secure early payment when the card is used. Businesses get paid early and in full and then can use the card, which also offers 1% cash back on purchases. Business owners get rewarded for getting paid now so they can expand, transform and innovate — a different approach from more traditional and alternative means of getting capital. About upside: upside is a free cash back app that benefits both consumers and businesses. upside users earn up to 25¢/gallon cash back on gas, up to 45% cash back at restaurants and up to 30% cash back at grocery stores. Over 25 million consumers are earning cash back every day with GetUpside and over 25,000 merchants are using upside to drive more business to their locations and increase profits. New gallons, higher c-store conversion, & more profit, guaranteed. Upside’s top-rated app and partner network brings nearby customers to your business. Our personalized cash back offers are based on the data you already have, and your profit is guaranteed. Big brands and local favorites Get cash back at over 45,000 locations nationwide The best way to grow your business Partner with Upside Good for your business and the people you serve. Upside is the only product that drives proven, measurable profit to your business and brings your customers the highest-value cash back offers on the market. Your opportunity is right here! Personalize every offer Upside changes customer behavior through our unique approach to offer generation and delivery. Our machine-learning offer generation engine was developed using years of research and hundreds of millions of transactions. The result is variable, compelling offers that are personalized for every consumer on every transaction and optimize over time to maximize your profit. Learn more! My Goal Is To Bring Businesses And People Together In A Way That Creates Value For Both. People Find Stuff They Like! Businesses Find People Who Like What They Do!: Expectations vs. Reality / Your Eyeball Acquisition Specialist All I ask of you is to keep sharing my posts, thank you! |
Agent ID# 102545187Hello, I see many advertisments on many social platforms. What I can agree on my network is on fire. We are helping people more than you can realize. My business is also located in the California area. So I get the love back from my community. I am a home based business owner since Sept 19th, 1999. I just wanted to introduce myself because I am in business capital and we love to help small businesses like yours get working capital for growth, or expansion, or even to get through a tight pinch! So I just wanted to introduce myself, Leonard Bigdoggpinc Lindsey in case you are ever in the need for business working capital. When the banks can't help we usually can. :) If you ever want to talk, I'm happy to talk by phone or text +1 (310) 462-7030 by email if you prefer? [email protected] You can also learn more about my company and services. Archives
April 2024
The Rapid Finance Guide to Finding the Right Loan for Your Business Needs
Small business financing can serve many purposes, including: Startup capital Working capital to run operations Cover cash flow deficiencies Cash to cater for emergencies such as Covid-19 Money to buy another business Funding to expand your business Refinancing debt Get your funding Learn more Categories |