Business and Investments

How To Really Finance A Start-Up Business – 3 Simple Ways

If you have been in the market recently seeking some type of financing for a new, start-up business, you are probably a little frustrated by now.

The thing is: Banks and most other non-bank or private lenders just do not lend money to start-up businesses. That is just the way it is.

They claim that the risk is just too high and their regulators or investors agree with them.

In fact, very few businesses last more than three to five years – the typical loan term for a standard business loan.

But, just like many businesses before you, there are ways to finance your new start-up:

First – always look to personal assets or personal means.  Now, I know that you don’t want to hear this but if you don’t have any other choice and you truly believe in your business – then why not use your own assets or cash to get that business off the ground and making money?

You want a bank or lender to take a risk on you but you won’t take a risk on yourself – just does not seem fair.

Plus, I can guarantee you this:  If you have your own assets at risk you will work harder and longer to make sure your business does succeed (which is the end goal anyways).

Second – other bootstrapping means. There are many ways to bootstrap your business besides using your own personal funds or assets.  You might look into:

Crowd funding – while this might not provide a huge amount of money, it might provide enough to get started.  Once started, other financing avenues will begin to open up.

Friends and family loans – your friends and family know you best and if you can’t sell your business concept and benefits to them then you will never be able to sell it to paying consumers.  Even if your friends and family can’t or won’t invest in you, they may know of others who will – you just have to ask.

Micro credit lenders – backed by the SBA, these lenders provide more than just small amounts of capital – usually up to $35,000 with the average loan being around $13,500 – they also provide advice and guidance to help you better manage and grow your operation.

Third – Look to partners or investors.  If your business concept is not in a huge market, has high and quick growth potential or has a lot of proprietary assets, then you will have to look locally.  Get out and network in your community for other business owners or local investors.

You would be surprised at how many local or retired business owners just want to give back to their community and can provide more than just capital but can open up many other doors to you and your business.  You just have to get out there and talk to everyone who will listen.  And, don’t be afraid to ask.  If you don’t ask, you will never get what you want!

While you might hear of others business owners landing some type of bank debt or professional investment to get their business started; also know that there had to be some outstanding circumstance or reason for it – like their uncle being the president of a national bank or as a favor to a well known family member or just simply that they have other sources of outside income that qualifies them for the loan.

The bottom line is that banks and other lenders just do not lend to start-up businesses.

In your early days, you really do have to go it alone.  But, make it a challenge.  Make it one of your goals to eventually qualify for that coveted business loan.  This not only will help you financially manage your new business better (keeping items like cash flow, collateral, credit and debt ratios in mind) but, when you do get approved for your business loan, it will really let you know that your business has made it to that next level and on the right path to further success.

A true entrepreneur does not look at a failure to secure outside financing as a fatal obstacle to starting their new business but, in focusing on the long-term potential gains that business could provide, would easily utilizes these three steps and other self-funding means to get up and running as soon as possible.

As your business grows, more financing opportunities will open to both it and you – you just have to get started.

About the Author

Joseph Lizio holds a MBA in Finance and Entrepreneurship, is the founder of Business Money Today, has a strong commercial lending background and is regarded as an expert in business and finance –  specifically business loans and working capital.

5 steps to starting a business

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Always Be Testing: The Complete Guide to Google Website Optimizer $29.99 If you want more leads, sales, and profits from your website, then you need to test, test, test. Google Website Optimizer is all about testing, and this book shows you how to use that free tool to discover what is best for your site and your bottom line. Recognized online marketing guru Bryan Eisenberg and his chief scientist John Quarto-vonTivadar explain how to test and get more of your visitors to take the actions you want them to take: contact you, buy something, subscribe, or otherwise engage with your site. Learn to develop a testing framework and establish goals and parametersDetermine how well your site calls visitors to take action and learn how to make improvementsDiscover the best approach for selecting and categorizing productsOptimize your landing pages and revise your content with copy that sellsUnderstand exactly which test works best for a given purposeLearn what you need to bring to the testing experience to reap the fullest benefitsLearn how to design impactful tests in sales, lead generation, B2B, and B2C situationsGet over 250 testing ideas based on all the factors that contribute to a site’s ability to convert online visitors”I can tell you two things. The first thing is: Testing works. If you’re not doing it well, you’re missing out. The second? Bryan Eisenberg knows what he’s talking about. Time to get started, time to start testing.”—Seth Godin, Author of Meatball Sundae”Bryan and John have combined years of experience in persua­sive marketing with their deep knowledge of Google Website Optimizer to deliver actionable insights that will make rock stars out of any marketing team.”—Tom Leung, Senior Business Product Manager, Google Website Optimizer”Bryan Eisenberg delivers the What, Why, and How of closing significantly more online sales.”—Jim Sterne, Founder, Emetrics Summit”Always

America As I Saw It; Or, American Revisited … $19.99 Purchase of this book includes free trial access to www.million-books.com where you can read more than a million books for free.This is an OCR edition with typos.Excerpt from book:CHAPTER III Our American Sisters How amused those delightful Americans must often be over us. How dull and cold and hard we are as a nation they have no hesitation in telling us. They think us stiff, formal, unbending. They tell us that our cooking is vile ; that our homes are comfortable, but cold. They consider we dress badly, especially the women; that we all lead easy, indolent lives, that we never hurry, that our men start business late and end early, and that we spend much of our time — even in city offices — in calmly enjoying our “honourable tea,” as our Eastern friends would call it. I’ve heard them say all these things again and again. We must amuse them, and we must interest them, if these idiosyncrasies make so profound an impression on them. They are always giving us sly little raps, and yet they must like us a tiny wee bit, or they would not come in shoals to visit our shores. An Englishwoman is a rarity in the States. Men go over for business, but women do not, nor do they travel over there for pleasure, which is a pity. “Why don’t Englishwomen come more often ?” is constantly being asked with surprise. The answer is simple. The average upper- middle-class Englishwoman, the daughter of a professional man, or the wife of an officer, is not rich. She is educated, and she loves to travel; but five hundred dollars is all she can spend on her summer holiday. With five hundred dollars she can go to Italy or Spain, France or Germany, for a couple of months, or even three months, if she is economical and knows the language (which she generally does), and she can see one old historic spot after another ; one people after another with their national charms and habits, and all the time she is within hail of her home. She is learning History and Art, and

Article Brokering $1.99 Content Creators Worldwide Love This, Because It’s The True “American Dream!” ARTICLE BROKERING”Charge More, Work Less – It’s What Everyone Needs To Do!” Are you a content writer?.. I am, too. My name is Vas Blagodarskiy, and I’m a Business major at the University of Maryland in College Park, MD. I enjoy my freelancing a lot, because I’ve gotten successful with it, and today I’m here to share my experience with you. Please keep reading if: * You have experience in content creation * You want to charge a higher hourly / per-100-words rate * You feel overwhelmed with work assignments, OR * You don’t find enough work * You want to become a more skilled writer In essence, I’m here to teach you how you can make more money by working less. Feel free to remain skeptic, but here is my personal challenge to you: YOU CAN MAKE $876.59 WITH MY BRAND NEWMETHOD – IN JUST14 DAYS OR LESS -BECAUSE IF I COULD DO IT FROM MY DORM, SO COULD YOU!” I think the best thing to do here would be to paint the picture for you, so you can see why “Article Brokering” is as powerful of a tool as I claim it is. I realize that you may not be a college student like I am, but first I want to show you why having a flexible “Article Brokering” schedule is so nice. Let me start off by telling you what my weekday schedule looks like, so we can see if it’s something you would be OK with, as well. I wake up at 8am, I work from 8:30am until 10:30am, then I go to class at 11am. I get back to my dorm at 3pm (I live at Centreville, if anyone knows College Park, come by and say hello!), and work until 5pm. I usually go grab dinner around 5:30pm, do some homework, then hit the gym from 7-8pm, at which point I’m see for the rest of the day. Wouldn’t that be a nice work schedule to have? “Article

Astute Competition: The Economics of Strategic Diversity $129.76 This book is embedded in practical tools which proposes a fourth field of economics in addition to macro, micro and industrial organisation economics (IO); namely what may be called the economics of diversity.This book asserts that businesses are as individual as people. All have unique identities, what may be called genomes. As such economic diversity is the norm, rather than the economics of commodities. Contemporary economics deals very effectively with commodities in situations of perfect competition. It also makes some useful insights into imperfect competition and monopoly. The first half of the book expands the conceptual underpinnings of the economics of diversity (ecosystems, business models, advantage, rents and valuation of resources); the second half demonstrates how these methods can be practically applied through tools and techniques to deal with questions of business development, corporate strategy, mergers and acquisitions, and start-ups. *Proposes of fourth field of economics (i.e., macro, micro, industrial organization-IO, and economics of diversity)*Presents the basics of economics of diversity*Discusses practical application methods

Babson College $1.99 College guides written by students for students. Babson College StudentsTell It Like It IsThe exceptional entrepreneurial education is the reason most students decide to enroll at Babson. This school is known for its First-Year Management Program (FME), where students attempt to start their own businesses. The competitive business atmosphere is felt all the time and everywhere by the students and teachers alike.”Babson business teachers are among the top-paid teachers in the country. All have been very successful in their field of business and know how to take their personal experiences and convert it into valuable a basis for teaching.”"A majority of the faculty is excited to teach and is interested in their subject. They are always willing to meet outside of class and help students when needed.”But does going to Babson mean all work and no play?”Boston is a great college town to fulfill the needs of your social life. There is something for everyone.”"I like the Babson party scene. There’s a good amount of partying, but nothing so crazy that you need to take time off from college and recuperate from it all. There’s a good balance here. I dig it.”"Personally, Greek life is a sideshow. They throw some good parties now and then, but not like what I would think of from a large school.”"There are a lot of things I would change about Babson—workload, GPA deflation, and some social aspects of Babson. At times, I enjoy it, and at other times, I am totally ready to leave. Right now, I’m having a good time.”Can you strike the right balance between academics and asocial life to thrive at Babson? Get all the info you need to make that decision straight from the students’ mouths. Visiting campus isn’t enough.Read our Babson College insider’s guide and discover what it feels like to be on campus for 4 years.

Basics of Bond Investments $1.99 This Element is an excerpt from Higher Returns from Safe Investments: Using Bonds, Stocks, and Options to Generate Lifetime Income (9780137003358) by Marvin Appel. Available in print and digital formats.Don’t know anything about bonds? Start with this plain-English guide to the absolute basics!A thoughtful program of investing in bonds can help you achieve peace of mind: I explain what bonds are, how they work, and why they are usually (but not always) safe. To begin with, a bond is a loan that an investor makes to a business or government. Bond investors make loans and, in return, receive regular interest payments.

Beginner’s Guide to Comic Book Collecting $2.99 Bang! Pow! Shezaam! Zap! As it is with me, I am sure those words bring back memories for you, right? And, as such, you probably even remember where those were first seen. That’s right! Inside the pages of your favorite comic books!Many of us grew up reading about the adventures of Superman, the exploits of Batman and his sidekick Robin, or the misadventures of Hue, Dewey and Louie as they frustrated their Uncle Donald. You may even remember those Saturday afternoon trips to the local store, searching the shelves for the latest edition of the Green Hornet or Wonder Woman comic books. You saved your allowance and lawn mowing money to afford those treasured comics and couldn’t wait to get back home, hurry to your bedroom or hiding place and enter the wonderful world of your favorite characters’ lives.Well, those days might be gone, but they sure aren’t forgotten, right? In fact, if you could, wouldn’t it be great to recapture that time in your life and lay hands on some of those comic books today? Well, the fact is, you can! The question is, where to begin?That is where we come in.We have assembled a powerful eBook that will show you how to start collecting comic books, one edition at a time. You can start collecting comic books just like you did as a child but with a whole new reason behind it!As a child, those comics were only interesting as long as you hadn’t finished reading them. After that, they eventually became lost in the shuffle of life. However, now that you are all grown up, you understand the value they held beyond the adventures. Much more than just the story line or great artistry, there is money to be made! The fact is, comic book collecting has become big business.If you have been considering a hobby, maybe comic book collecting is right for you. After all, as a child you knew what was a good comic book and what wasn’t. Now you could draw from that insight

Blogging Professional $2.99 Dear Friend,If you’re anything like me, you’re fed up with all of the low-quality, useless products that promise instant fortunes with simple niche blogs that end up being little more than a starters guide to “installing Wordpress”.If you have ever bought into these bogus products, don’t blame yourself. When I first got started online, I bought everything that I could get my hands on, believing that one of these guides would surely be the ‘golden grail’ in helping me build a profitable online blog based business.I spent hundreds of dollars on these useless products, chasing every opportunity I could find. I subscribed to every business opportunity magazine I could find. I spent hours every day on various internet marketing forums.I’ll admit it, I was as desperate as they come. I felt crushed under the weight of a controlling boss, office politics, and a dead-end job that only served to make my employer wealthier than he already was. I wanted to get out of the rat race once and for all and start working for the one person that really matters; myself. But I approached it the wrong way, and rather than following the strategies used by those who really were raking in cash every single day with their blogs, I spent a fortune buying every single guide on profitable blogging that I could get my hands on.But there’s a HUGE problem with this strategy, and after spending $2,159 on useless junk I finally realized exactly what was going on.The majority of those guides that are being peddled all over the Internet aren’t even written by experienced bloggers! – and tell me, how can someone teach you how to make money in an industry that they aren’t even a part of?They simply can’t.. which is why you continue fiddling around with guide after guide, still searching for a straightforward blueprint that will give you everything you need to start making money online.And you finally

Brainstorming – The Dynamic New Way to Create Successful Ideas $12.95 Tap Directly Into Your Creative Mind… And Easily Access YOUR Million-Dollar IdeasIdeas are the lifeblood of success… and the best ideas originate with brainstorming. Brainstorming can help you successfully fix any problem, build any business, generate any plan, or develop any story. But the problem is that most people have no clue how to effectively brainstorm – either by themselves or with groups. You can waste a lot of time coming up with old, boring ideas that won’t work… and the whole time you actually believe that you are brainstorming. What if you could discover the most powerful way to brainstorm – and start creating the most powerful – and most profitable – ideas in the shortest time possible? “I’ll Show You How to Do it…”This book is a ground-breaking brainstorming method that was developed over 50 years ago. It has been tested…and proven. It is the most potent and most effective way to generate the ideas you need to succeed. You’ll tap directly into your creative mind and generate the ideas that NO ONE ELSE can, to produce the results you deserve. With this book you’ll discover:•How a single idea can change your life, skyrocket your income, and gain you true respect•The step-by-step guide to effectively brainstorm by yourself (or in groups) – and how to overcome any problems you may face with ease•How you can tap directly into your subconscious mind and harness the true power of your creativity•Who you want to invite to your brainstorming sessions, where you need to hold them, how you can spark the best ideas… and how to ensure those great ideas keep coming •The biggest and best-kept secrets of a million-dollar “idea man”This book is your opportunity to capitalize on the biggest resource you have… your ideas! If you’re ready to start brainstorming your way to true success, get this book!

Business and Finance $36.44 New – Written in straightforward language, What Can I Do Now? Business and Finance provides helpful information for readers looking to get a head start on their career. Featuring an overview of the industry, key career profiles, tips on how students can get started, and other ways to explore career opportunities, this new resource is essential for students interested in this lucrative field.