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Many small to medium-sized businesses are now employing accounts receivable factoring as an alternative form of financing in the year 2010. According to a December survey of 700 business owners, 051 percent of small businesses have experienced cash flow issues in the last 90 days.. (Source: December Discover Small Business Watch Report.) The remaining 45 percent surveyed have not experienced cash flow issues, and 4 percent are not certain.

Banks’ cuts in small business lending has forvced small businesses to seek alternative means of funding to ensure success in 2010. It is a credit restricted economy, and now more important than ever for small to medium-sized businesses to know what forms of financing are available to them. Many recognizer how important it is to be able rely on alternative forms of financing like factoring to ensure their future success.

A recent Treasury report verified the country’s largest banks cut their collective small business lending balance by another $1 billion in November. As such, twenty-two banks have cut their small business loan balances $12.5 billion since last April. Since then, the banks’ total lending has fallen 4.6 percent in that seven-month period, to $256.8 billion.

It appears as if banks are protecting their balance sheets and not taking on the risk in the form of loans to small businesses. Banks are saying the reason they are lending less is because small businesses are risky borrowers.

But when sales are slow, the last thing people want, or need, is debt. Perhaps this is why we’ve seen a number of small to medium-sized companies begin to employ accounts receivable factoring.

The survey also showed 35 percent of small business owners rate the current economy as fair, up from 30 percent in November. Sixty one percent rate it as poor, while 4 percent believe it is good or excellent.

It appears as if overall economic confidence among small business owners in America held strong in December as fewer of them believed the economy was getting worse compared to November. More business owners saw conditions for their own businesses getting better over the next six months.

Invoice factoring is simply a form of commercial financing or debt financing which has collateral as a basis for borrowing money. Factoring aids small businesses as they need funds, since the money received is based on accounts receivables, and there are no obligations like there are with loans, while borrowing simply puts them in debt. This financial strategy is ideal for businesses with customers who pay 60 to 90 days out, as it leverages small businesses accounts receivables.

A factoring company makes arrangements to purchase a company’s invoice, or invoices, pays immediately, and in essence, loans money until the company’s customer’s invoice is paid. They will typically look at the creditworthiness of the client’s customers and can even fund within as little as 24 hours.

Factoring transactions involve the following three steps:
1) The advance – the percentage of the total amount of the invoice the company has access to when they are funded, which is around 80 percent, and depending on the industry, it can be 90 percent;
2) A reserve – the remaining funds from the invoice are held back and released when the customer pays the invoice; and
3) The discount fee – the fee associated with doing the transaction which gets deducted from the reserve. Based on how long it takes to receive payment of the invoice, the fee can be from 2 to 5 percent of the total value of the invoice.

In summary, in order for small businesses to feel more confident the reaminder of 2010, cash must be available and flowing. Factoring is a sure fired way to keep a business afloat during recessionary times.

Kristin Gabriel is a writer who works with The Interface Financial Group (IFG), North America’s largest alternative funding source for small business. The company provides short-term financial resources including accounts receivable factoring, serving clients in more than 30 industries in the United States, Canada, Australia and New Zealand. IFG offers expertise in factoring, accounting, finance, law, marketing and banking.

Article Source:http://www.articlesbase.com/business-articles/in-wake-of-bank-cuts-small-businesses-employ-accounts-receivable-factoring-in-2010-1771498.html

What Is Company Branding?

Company branding is all about giving your company an identity, not just a name and a logo. Having a strong company brand is a very important asset to market your business in the bricks and mortar as well as the click and order store.

Making your company brand successful means you must effectively influence how others perceive you and think of you. “You are what you are perceived to be”.

Even if you are a small bricks and mortar business, you can give the image in your own community of how successful you are. A shop or office decorated in good taste implies there is a level of quality in the service you offer.

With careful planning and development, your company’s branding will provide the ability to sell more and at a better price.

Imagine a client entering your premises for the first time and seeing quality furniture, comfortable seating and a custom water fountain with your logo etched into it. Their immediate thought will be that you are a successful business.

Having your own custom water fountain will speak volumes of your success. Having your company logo, slogan or tag line etched into the mirrored glass of the back plate will really put the icing on the company branding cake.

But the best part of all, is that custom water fountains are very inexpensive to buy and very easy to install. Many businesses think of sophisticated looking water fountains as expensive with lots of maintenance and installation costs.

That is simply not the case. Water fountains, including custom-built fountains are relatively inexpensive. Smaller fountains ship pre-assembled while larger water fountains arrive in two or three sections.

Assembly is simple and be completed in less than one hour. Contrary to popular belief, water fountains do not need plumbing. They are self-contained, recycle water from a sump, through the fountain, and back to the sump.

Water fountains are very low maintenance requiring the occasional cleaning and topping up to replace water that has evaporated. The only requirement for installation is a power source. This would be either a mains power socket or power from its own solar panel.

When measuring up for a custom fountain, you need to take into account the amount of space that will be lost. A wall fountain takes up very little space into the room typically measuring 18 – 24 inches in depth. You can have them as long and high as you want.

You do not want a fountain that is too large, as it will dominate the room. Nor do you want a fountain that is too small to be ineffectual. Choosing a custom fountain that is just right will amplify your good taste and judgment.

Change your client’s perception of you and your business by installing a custom fountaincomplete with your logo where they will see it as they enter your office.

ABOUT THE AUTHOR

Ian Patterson is a professional, published freelance web writer and CEO of Write Research Office

Ian has over twenty years technical and genealogical research and writing experience. He has been a freelance writer since 2001 and is recognized for his SEO skills.

For article writing, web site authoring and optimization, Contact Write Research Office

Article Source:http://www.articlesbase.com/business-articles/company-branding-just-add-water-1767996.html

It is the desire of every company to promote their product in order to make their business successful. So they will come out with different kinds of methods in order to make their product successful among the people. This in turn will help the company to earn more and more profit. One such technique in order to make their product successful among the people is by printed promotional products. The promotional printed product will be given to the customers for free or when they buy some other product of the company.

The company people is of the view that if the customer who got the promotional printed product likes it, then he or she is definitely going to use them again and again. The people who are using this product, may also tell their relatives and friends about the product which will in turn result in earning more profit for the company. In most cases the company printed promotional products will comprise of the logo or the company name in it. So when other people see their friends and relatives using this product, they may also tempt to use these products at their home. This is one of the widely used methods by great business people as one of their business tactics so as to increase their gain when they are introducing some new product for the first time in the market.

You may note that some company may sponsor any events. This is also a tactic of prompting one’s business as many people will come to know about the company products. These methods are cost effective as they will not require the company to spend too much money for promoting their business. The customer will also have the benefit of knowing about the product without having to spend too much of money.

Alesia Watson is an expert for writing Articles and currently working for Office Range. For more details related to Printed Promotional Products, Promotional bags, Promotional items please visit: http://www.officerange.com.au/

Article Source:http://www.articlesbase.com/business-articles/what-are-printed-promotional-products-1768211.html

Motivation is crucial to achieve your goals, and it is also something you can achieve by yourself if you know how. The following are 7 tips to attain unstoppable self-motivation: 1. Keep the right focus Focus on what you want instead of on what you don’t want. It is easy to get unmotivated by challenges and situations that come up when you are working towards your goals, however, you don’t have to let those situations stop you. You keep moving forward when you focus on what you want to achieve. Do not give importance to the problems that arise on the way, just move through them and get rid of them. Everything will pass if you can clearly visualize your dream. 2. Read success stories
Reading about how others have made it big after facing the same or similar challenges as you, will give you strength and inspiration to advance amid any negativity and problems. Read as much as you can about personal development, you will learn many valuable skills and new ways to approach situations. 3. Look for support
Get a mentor or a friend who is an inspiring influence for you. They can enhance your confidence and help you advance in an organized way. They will act as a rational spectator, giving you advice when you lose focus due to emotions. They will put your feet on the ground, and will provide unconditional support and valuable feedback. 4. Measure your progress
Write about the process daily, and track your successes and setbacks. This will give you a new perspective on things, you will be able to go back and read what happened in the past, what you learned, and what you did wrong. You will be able to see how much you have grown and in which ways. 5. Give yourself prizes
Go to the movies, go out to dinner, or buy yourself a treat; give yourself a prize every time you meet a small goal. Praise your courage and strength. This will direct your mind to success. It will become a habit, because behavior that gets a reward is repeated. 6. Learn something from every failure Don’t get upset at yourself for failing at something, but analyze what happened and amend your course towards your goal. See it like this: you can now advance knowing that a certain thing doesn’t work; you are gaining experience. You can move on with more confidence because you know what you did wrong and can correct it, and you are certainly closer to achieving your goal. 7. Relax
Working towards your goals should be fun. Don’t get stressed because you don’t see results fast, enjoy the ride, because that’s where experience, knowledge, and value reside. If you are moving forward, it means you are already succeeding, so relax and cherish every moment. You will do more if you think it is fun; acknowledge that you are growing every step of the way. Remember that, whatever happens, it is worth it, because you are becoming a much better, more experienced, and more mature individual. There is nothing more rewarding than making your dreams come true and living the life of your dreams, thus, get going and never look back! John Hersey is a successful business owner, published author and motivational leadership speaker. John writes one of the most recognized leadership blogs in the business world: http://www.JohnHersey.com/blog

John Hersey is a successful business owner, published author and motivational leadership speaker. John writes one of the most recognized leadership blogs in the business world: http://www.JohnHersey.com/blog

Article Source:http://www.articlesbase.com/business-articles/7-tips-for-selfmotivation-1768217.html

Recently I was interviewed by a well known MLM success coach and internet entrepreneur. Many of the questions he asked are what many MLM business owners may be asking, for example, what is the biggest challenge in network marketing and how do you overcome it? What action steps can be taken to build a successful MLM business? What are some important tips for network marketing newbies? So I thought I would address these questions in this article.

What do you think the biggest challenge is in network marketing and can you provide any tips to overcome it?

We’ve found the biggest challenge, and many MLM business owners we speak to also share this struggle, is finding prospects who want your product or service.

To have prospects chasing you is really quite simple using the internet. To do this you need to learn to become proficient with 2 important concepts:

1. using the written word
2. driving targeted visitors to a website

These two go hand-in-hand because if your message isn’t speaking to your visitors and resolving their problem(s), you can have all the traffic you want but you’re still not going to generate any leads.

A lot of “Gurus” in our industry promote marketing techniques but don’t divulge HOW to execute them. What action steps can one take to build a successful MLM business?

Too often when people join network marketing they’re told to write down their dream and goals. But they aren’t taught the step-by-step process to implement those goals and realize the dream. How many people want to make a million dollars a year? At present they might be on $30-$40K a year. That’s a huge jump and nobody shows them the steps to get there. In most cases just talking to your warm market isn’t going to make it. They need a marketing blueprint and that’s what we can offer.

There are 3 important steps we advocate to build a successful MLM business:

1. Position yourself as the expert in your industry. Know and understand your audience and who your ideal target market is. What are their wants, needs and desires? What will motivate them to get involved in your MLM business?

2. Use techniques that will enable you to get exposure of your MLM products and services to the masses.

3. Master the internet. This tool is explosive. But just like any tool in your garage you need to know how to use it properly. Having a website just isn’t enough. You need to know what to have on it, where to put what and how to tap into the mind of your prospect.

What are your top 3 newbies tips for network marketing?

If you have just started in network marketing, to avoid being one of the 95% who fail, you need to implement functional systems and create a foundation to build a successful MLM business. To do this you need to:

1. Develop skill sets. There are actually 5 skill sets needed, 3 of them I have mentioned above. The other two I talk about in our Free Report which you can access by clicking on the link at the bottom of this article.

2. Have prospects approach you, not the other way around. Don’t waste your time and money chasing people who aren’t interested in your MLM products and services

3. Using a script is paramount for having consistent results in your marketing efforts

If you want answers to your questions and practical steps to dramatically improve the growth of your MLM business then click on the link below.

Go to Create Big Checks for a Free Report with hot tools and training to dramatically improve your MLM business. Richard & Ruth Webster are Business Growth Specialists who help people transform their struggling home businesses into wealth creating enterprises. They have successful businesses in Health & Wellness and in marketing training & coaching for home-based business owners.Article Source:http://www.articlesbase.com/business-articles/mlm-business-straight-answers-to-network-marketing-questions-1762703.html

Summary- People are generally pretty picky about the jobs that they work. They have various criteria that need to be met, and they cannot fathom working certain jobs because they are not willing to stoop to that level. However, in today’s economy, you need to take whatever you can get. If you don’t, someone else will.

Some people are picky about jobs that they have. They don’t want to work here, they can’t work there, and the list goes on. However, in times like these, no one can really afford to be picky about where they work because jobs are so scarce. It doesn’t matter if you used to make $1,000 a week doing practically nothing in your fancy office, because if the local grocery store offers you $10 an hour to stock shelves, you’re going to take it. Why? Because you have to. You need money to live, and the chances of you finding another high paying job like the one that you had are slim to none right now. Do whatever it takes to keep money coming in, and make sure that you don’t jeopardize your own financial security because your pride, ego, or standards are getting in the way.

So many people will fill out application after application, only to turn down one job after another because the pay is too low, the working conditions aren’t ideal, or for some other arbitrary reason. You can practically guarantee that there are people out there desperate enough to be willing to do whatever job comes along so long as they’re getting a paycheck, which is why the picky ones will likely remain unemployed for much longer. Now is the WORST time to be picky about your job position or where you work. It doesn’t matter if you’re making $10 an hour cleaning tables and serving fast food or if you’re making $1200 a week as an executive, because as long as money is coming in, you’re going to be fine.

Sure, you might have to scale back the way that you live. So what? You might not be able to go out to dinner every night, and you might have to trade in your fancy car for a cheaper model. So what? Maybe you will be able to appreciate having food, clothing, and a home to live in, which is something that not everyone in the world has. Americans, as a country, are spoiled by consumerism. The recession is a place where people can finally start to be put in their place because they are limited in their spending and incomes. The land of opportunity is still chock full of them, but is working right now on teaching a lesson in appreciation of the basic necessities, which so many people take for granted.

Appreciate what you have. Take any job that you are offered. Learn to live in a way that suits your means, because you can’t do it any other way. Don’t take the little things for granted, either, because they are all that matter at the end of the day.

Right now jobs are hard to find and if you get one, especially if you can use your six sigma training, you want to hold on to it. Six sigma training can really help to find you one if you don’t already have a job.

Article Source:http://www.articlesbase.com/business-articles/dont-be-picky-1762741.html