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Start up Now: 7 steps to set-up a business today, start up business loans.#Start #up #business #loans


How to Set-up a Business Today: 7 Simple Steps

Start up business loans

For most UK-based start-ups setting up a business is quick, cheap and easy. In fact it s just about possible to set up a business in a day! If you know what line of business you want to start, you ve been thinking about it for ages, you ve read the books, done the courses then maybe now is the time to do it? This article is about the practicalities of how to set up a business. Follow those 7 simple steps and you could be up and running in no time:

Step 1. Let HMRC know you’re becoming self-employed

Get the right starter pack for you. You can do this all online, or phone, and it will get you started as a sole-trader (for other legal structures see part two below). We’d also recommend completing HMRC s free online training which will give you straightforward practical advice on record-keeping, filling in and filing your tax return and what to do if you take someone on.

Step 2. Sort out insurance cover

The AXA business insurance wizard is a good start. It will tell you which insurances you need and which you should consider. When you re sure about the insurances you need, shop around for the best deal. Specialist brokers can be great for niche businesses and Trade Associations often arrange big discounts for their members.

Step 3. Choose a business name

Search Google and Companies House to see if the name you want is available. If you can t decide, go with your own name for now eg. Jane Blogs Cakes but don t invest in printing and brand materials until you re sure. Buy the website domain name as soon as you re fixed.

Step 4. Set-up a business bank account

You need a business bank account if you set up a company, as it is a separate legal entity to you. It s not strictly required if you are a sole trader (though it s usually recommended) – but you must keep very clear accounts.

Step 5. Get compliant

Make sure that you satisfy all regulatory issues eg. health safety, licensing, data protection. Gov.uk has some great tools to take you through this. This only takes a few minutes and is straightforward for most start-ups.

Step 6. Start accounting for everything

Appoint an accountant or set-up your own simple book-keeping system. As a minimum keep records of all sales and costs.

Step 7. Sort out your work space

Your Local Authority/ Council should be able to provide information about business premises and rates in your area. If working from home, make sure you understand:

  • how to include a percentage of household bills as business costs;
  • possible Capital Gains tax implications if you are using one particular room/area in the house for business (best avoided by using parts of rooms);
  • planning permission – if you expect regular business visitors or to employ someone who’ll be working from your home, ask your local authority planning department for advice.;
  • if you rent, check your lease to see that home-working is allowed.

Maybe a little bit of a push, but you could certainly do most and maybe even all of that, in one day.

Part Two Starting with firm foundations

So getting started isn t all that difficult and needn t take long at all. But, of course, you are much more likely to be successful if you start with firm foundations:

Step 8. Decide on the best legal structure for your business

For most this is a choice between being a sole trader and a limited company. However if you are setting up a social enterprise there s more to consider.

Step 9. Write a business plan

This should include a marketing and sales strategy and financials. It s vital if you need to raise finance. It’s important regardless and should be a living document, regularly reviewed and updated. Here is a good Business Plan template to download and a great guide to putting your business plan together. If the thought of putting together a business plan makes your skin creep, then check out The Right-Brain Business Plan: A Creative, Visual Map for Success

Step 10. Manage your cash flow

As part of the business plan, start a Cash flow forecast and update it with actual achievements very regularly. A simple spreadsheet is usually adequate. Even if you need a book-keeper to do this, do make sure that you personally understand it and review it very regularly.

Step 11. Keep costs as low as possible

Until your business model is established and you are making good sales keep your spending as tight as you possibly can. There s a lot you can do with very little money.

Step 12. Get your business kit in order

Beg, borrow and shop around for IT equipment, furniture and transport.

Step 13. Organise communications

Make sure customers can find you by phone, email and on relevant social networks.

Step 14. Get your business image in order

Develop a brand identity, set-up a website and order business cards and stationery.

Step 15. Get your support in order

Assess your own skills and identify how you’ll fill the gaps. Don’t employ others until you really must. Lots of small businesses start by sub-contracting or collaborating with other freelancers or small businesses.

Most importantly make sure you have someone you can talk to regularly about your business. There will be high days and also days when things go wrong and your motivation slumps. So find a good mentor, a business adviser, or others in the same position as you, who you can share those successes and challenges with.

Photo: CC jakeandlindsey on Flickr

The Women s Business Finance Guide Free eBook

Start up business loans

  • A plain-English overview of all the main types of business finance, including loans, grants, equity, bootstrapping, crowdfunding etc.
  • Pros and cons of each type of funding, women’s angles and routes, links and advice.
  • Exercises to help you assess your financial psychology.

This 21 page eBook is completely free when you sign-up for our free monthly ezine. You can unsubscribe at any time and your details will never be shared with anyone else.

Start up business loans

Erika Watson

Start up business loans


Business Loans, start up business loans.#Start #up #business #loans


First Enterprise is here to help businesses to grow and flourish

Raising business finance and continuing business growth is key to keeping the cogs of any business turning. Through our Enterprise Loans East Midlands and South East Midlands programme we deliver business lending of between 3,000 and 150,000 to help entrepreneurs flourish and existing business to grow.

Our rates are competitive and our loans are always tailored to you. To find out if you could be eligible to receive business finance or a Start-Up loan, please contact us or read more below.

Start up business loans

Start

Business

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Businesses in any sector can apply for a Start Up Loan

The Start Up Loans Company is a UK-wide, government backed scheme, which offers a repayable loan to individuals over the age of 18 who have a viable business idea but no access to finance. The scheme funds businesses in every sector. As well as financial backing all loan recipients are given access to a mentor, free training events and exclusive business offers.

There are no fees incurred for obtaining a Start Up Loan or for accessing any services that are associated with it (with the exception of certain business offers, which are entirely optional). To find out about any offers that Start Up Loans Company have secured, through Corporate Partnerships go to http://www.startuploans.co.uk/corporate-partners/

Enterprise Loans East Midlands is part of a network of official Start Up Loans delivery partners across the UK who administer the scheme.

We are here to guide you through the application process, including advice on creating a business plan and cash flow forecast. If you receive a loan we will then support you through your journey, providing you with your business mentor.

The Start Up Loans programme is not grant-based funding. It offers finance in the form of loans only, with monthly loan repayments forming a primary condition of the loan agreement applicants accept and sign.

Failure to make any repayments may affect your credit score and in certain circumstances may lead to formal action.

Start up business loans


Business Loans, start up business loans.#Start #up #business #loans


First Enterprise is here to help businesses to grow and flourish

Raising business finance and continuing business growth is key to keeping the cogs of any business turning. Through our Enterprise Loans East Midlands and South East Midlands programme we deliver business lending of between 3,000 and 150,000 to help entrepreneurs flourish and existing business to grow.

Our rates are competitive and our loans are always tailored to you. To find out if you could be eligible to receive business finance or a Start-Up loan, please contact us or read more below.

Start up business loans

Start

Business

Creative

Businesses in any sector can apply for a Start Up Loan

The Start Up Loans Company is a UK-wide, government backed scheme, which offers a repayable loan to individuals over the age of 18 who have a viable business idea but no access to finance. The scheme funds businesses in every sector. As well as financial backing all loan recipients are given access to a mentor, free training events and exclusive business offers.

There are no fees incurred for obtaining a Start Up Loan or for accessing any services that are associated with it (with the exception of certain business offers, which are entirely optional). To find out about any offers that Start Up Loans Company have secured, through Corporate Partnerships go to http://www.startuploans.co.uk/corporate-partners/

Enterprise Loans East Midlands is part of a network of official Start Up Loans delivery partners across the UK who administer the scheme.

We are here to guide you through the application process, including advice on creating a business plan and cash flow forecast. If you receive a loan we will then support you through your journey, providing you with your business mentor.

The Start Up Loans programme is not grant-based funding. It offers finance in the form of loans only, with monthly loan repayments forming a primary condition of the loan agreement applicants accept and sign.

Failure to make any repayments may affect your credit score and in certain circumstances may lead to formal action.

Start up business loans


Start Up Loans How It Works – Start Up Loans #consolidation #loan #rates


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How It Works

Do you have a great business idea, or have you been trading for less than 24 months? Are you looking for finance and support to help develop your business? If you answered yes, then a government-backed Start Up Loan could help.

STEP 1 – Register Online

The first step is to check that you are eligible, and if so, to get in touch with us by filling out our quick online registration form . giving us some basic contact information.

STEP 2 – Make a Business Plan

Once you have registered, a member of the Start Up Loans Company, or a Delivery Partner representative, will contact you to discuss the next steps. You will work with a Business Advisor who will provide guidance on your business plan and cash flow. The more prepared these documents are, the better, as they will form the basis of your loan application. There are free templates available on our website.

STEP 3 – Complete Your Application

Once your business plan and cash flow forecast are completed, your Delivery Partner will then put forward your application to be considered for funding. You will never be charged to make a Start Up Loan application. Not by us. Not by our Delivery Partners.

STEP 4 – Get Going

If your application for a Start Up Loan is successful, you will be able to access exclusive business offers including discounted website design, free accounting software and free legal advice.

You will then start to repay your loan. You are required to pay back the loan within 1-5 years, and there is no early repayment fee. The exact term will be agreed with your Delivery Partner as part of your application process.

STEP 5 – Meet Your Mentor

After receiving funding from the Start Up Loans Company you will be offered a mentor who is on hand to help your business succeed. You will likely have a lot of questions that need answering and decisions to make, and a mentor can provide guidance and support to help you grow and develop your business.

Interested in a Start Up Loan?


Bridging Loans Calculator: Get Payday Loans Of Up To $ Overnight #www.loans.com


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Bridging loans calculator In fact, most of the time, this type of loan means that the issue of credit, for example, is simply ignored. bridging loans calculator In fact the debt is one of the main causes of stress and anxiety worldwide.


The Process – Payday Loans Online – Up to $1000, 24 #fha #home #loans


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How payday loans work:

Borrowing from LoanShop247.com is simple and fast!

We have some of the highest acceptance rates in the entire payday loan industry. Our technology allows us to give you an online decision in a matter of moments without a mountain of paper documents. Within a hour of our decision, you can have the money in your bank account.

If you have a few minutes, you can get a payday loan. The process is simple. You will only need to do the following:

– Fill out our easy to complete application and click the “Get Your Cash” button.

– We will make our decision in less than one minute and tell you if you will get your money.

– The complete loan agreement will be posted for you to review and sign.

– Then we will immediately transfer your funds to your bank account. The process usually takes less than an hour. In some cases it may take 48 hours for the funds to clear your bank.

What requirements are

  • Be a resident of the United States of America
  • Be 18 years of age or older.
  • Have a job or recurring source of income that can be proven.
  • A bank account able to receive direct deposits.

Small Personal Loans Up To $4000 Increasingly Popular #used #car #loans


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People unable to qualify with traditional banks are increasingly borrowing small personal loans that approve bad credit, according to financial website ReallyBadCreditOffers.com. New programs offering small unsecured loans with easy qualification standards, the site announced, are in high consumer demand.

Up To $4000 With No Credit Check

New York, NY (PRWEB) April 09, 2012

Borrowing upwards of $4000 can be accomplished in under 10 minutes from the comfort without a credit check according to financial website, ReallyBadCreditOffers.com. The site has announced that the recommended bad credit loans have been increasing significantly in recent months.

New offers have been made available for bad credit score burdened consumers that make getting approved for a loan as easy as filling out a few basic questions and directing the lenders as to where the money can be deposited.

“With the cost of living rising, gas prices through the roof, and food costs creeping ever higher, people are finding it more difficult every day to confidently pay their bills,” said Ariel Pryor, analyst with the site.

These loans require borrowers to be a U.S. citizen, over 18 years old and to be employed or be able to provide proof of income.

Following the applicants approval, the money is wired directly into the borrowers account and the money can be used at their discretion.

Most commonly, according to the website, these bad credit loans are used for:

  • Avoiding late fees and penalties
  • Paying for essentials like groceries or utility bills
  • Emergency bills
  • Avoiding foreclosure or repossession

Ariel added, “Getting money fast can often make the difference in emergency situations.”

Visitors to the website are encouraged to browse the recommended personal loans offered. In addition, the site provides a number of free resources to help people recover from bad credit including a free learning center, calculators, cost analysis and repayment resources.

Contact:

Ariel Pryor, Loan Analyst


Small Business Loans – Small Business Start Up Loans. #interest #payment #calculator


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Search Results For Small Business Loans

Small Business Loan Report: You Have the Right to Remain Funded

Hunting down hard-to-obtain business loans can be a challenge. View our Small Business Loans report to learn more about what s available.

  • By Business.com Editorial Staff
  • June 13, 2014 Whitepaper

The State of Small Businesses in 2015

A Comprehensive E-Book for Small Business Week

How Lenders Use Personal Credit to Approve Small Business Loans

6 Easy Ways to Improve Your Chances for a Small Business Loan

Getting a small business loan is no easy matter these days. Robert Seiwert, an official with the American Bankers Association, offers.

Small Loans to Start or Grow a Business


Short Term Loans Up To $1000 With Bad Credit Okay! #student #loans #without #cosigner


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Short Term Loans Fast Approval

Promoting the Responsible use of Short Term Loans!

Short term loans on your terms

Getting short term loans means getting money fast and solving an immediate financial problem. Borrowers pay back short term loans within a few weeks, so theres no long-term debt. Short term borrowers can simply fix the problem and move on. When it comes to keeping up with payments or handling expenses, sometimes timing is the most important factor. Short term loans help borrowers stay financially on schedule because they arrive in the borrowers bank account via direct deposit within a day, often in just a couple of hours.

Types of short term loans

Short term lenders generally offer two types of loans: payday loans and installment loans. Payday loans, also known as cash advances, are repaid when the borrower receives his or her next paycheck. Installment loans allow the borrower to make several payments over a few weeks or months. For both cash advances and installment loans, the lender charges a fee that is paid along with the loan repayment. No cash or collateral is needed up front.

Short term loans made simple

Applying for a short term loan online is similar to applying for a traditional loan in that the borrower provides some basic information and requests a loan amount in writing. Once the lender and borrower agree on the short term loan amount, the fee and the repayment date, the money is directly deposited in the borrowers checking account. Most short term lenders accept bad credit; they base the amount they are willing to lend on the borrowers income.

The average short term loan

Short term loans are generally between $100 and $1,000. Borrowers should carefully consider the loan amount and only take what they absolutely need. Some lenders may extend the term of the loan up to four weeks, but many require that the loan be repaid within two weeks, except in the case of installment loans. We can find lenders who can accommodate various borrowers terms, but we recommend that borrowers keep their short term loans as short term as possible. Lenders generally must charge at least 15 percent of the loan amount to stay in business. A fair price for a short term loan is between $15 and $30 per $100 borrowed.

Borrowing responsibly

Short term loans should only be used for budget shortfalls and necessities. In many cases, short term loans can save borrowers money especially for borrowers who are facing the possibility of overdraft charges. The average overdraft fee is $35 per occurrence, and the amount by which a customers overdraws the account is not a factor. A bank customer could pay $15 for a $100 short term loan and avoid being charged multiple overdraft charges for negligible amounts. Short term loans can also help borrowers avoid late fees and protect their credit ratings.

APR:  The equivalent annualized percentage rate for payday loans and other short-term installment loans ranges from 547.5% to 999.45%, based on the amount and the length of the loan.  Larger loans with longer payback periods have lower interest rates.  While this sounds large, one must consider that these loans are only meant to be for a very small time-frame, usually 2 weeks.  Annualizing other fees in the same manner results in APR of 2336% for a returned check fee of $32 against a $100 check, a 965% fee against a $37 credit card late fee or over the limit fee, or a 1203% APR for a typical $46 reconnect fee by a utility company.

Financial Implications:  Short term payday loans are meant to be just that: Short term.  Typical fees range from $15 to $40 for every $100 borrowed up to $500.00.  Fees per $100 begin dropping on loans larger than $500.00.  Fees are typically less than what borrowers can expect to pay for bouncing a check, having a utility disconnected, or paying a credit card bill late.

Collection Practices:  If a loan becomes delinquent, attempts at collections are first conducted internally, primarily through telephone, an attempt to work out a pay-off arrangement that takes into strong consideration the financial condition of the borrower.  If, after all attempts at internal collections have failed, the lending agency may send the loan to a third party collection agency in an attempt to recover the funds lent in good faith.

Credit Score Impacts: Short term, payday loan lenders may rely on your credit report, not limited to the three (3) major rating agencies Equifax, Experian, or Transunion. Generally, the borrower doesn t have to bear concern that their score may be affected by having the loan request determined by results from these agencies, however, such determination is solely in the discretion of the payday loan lender(s), which may result in the lender(s) submitting, among other things, the borrower s request for the loan, or the subsequent payment(s) under the loan to any of these agencies. Short term lenders may also rely on their own scoring criteria, which is generally based on income and ability to repay, as well as the borrower s payment history of any previous payday loans that have been made with the lender in question, or with other payday lenders.

Start your short term loan application

Start Your Loan Application


Payday Rocks – Get Payday Cash Loans of up to $2000 in Australia #ge #loans


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Get Your Fast Cash Loan Decision Today

Do you find yourself with a lot more month at the end of your money? Don’t stress, we are here to help. We provide a quick way to get the cash you need until your next payday. Simply apply for a short term loan and you could have the money you need in your bank account in as little as 4 Hours*.

Our system will find a Cash loans that best suits you. Our quick application takes just 2 minutes to complete and bad credit isn’t always a problem as we don’t check your credit history. When you apply, we will find the best loan to fit your specific needs and you could have the money in your account in as little as 4 hours* and certainly within 48 hours.

If you are on a tight budget, an unexpected expense can be a real stress. Now you can stop worrying and receive the money you need today.

Payday Rocks are committed to responsible lending. A payday loan should not be viewed as a long term financial solution. Our loans are designed to help people through short term difficulties until their next payday. If you are experiencing long term financial problems, an instant payday loan would not be appropriate.

Uses for Payday Loans

Loans can be used in times of short term financial difficulties however people use them for a variety of reasons. Many use their cash loan for home improvements, gifts, bills, car repairs, holidays, hotel costs, clothing, food and multiple other reasons. Remember that you can have a payday loan for any reason.

Do I Qualify?

You need to be a Australian resident and at least 18 years of age. Ideally you need to be employed (part time and self employment is fine), centrelink customers can also apply (unfortunately new start allowance is not acceptable) and you need to have a bank account to receive your loan. If you meet these requirements you could have up to $2000 in your account in as little as 15 minutes.

No Credit Checks

When you apply for a payday loan with us, we don’t check your credit history so bad credit isn’t always a problem. You just need to be assessed for suitability and affordability and you could get the money you need in 15 minutes. There are also no phone calls and no faxing. All you need to do is complete our very easy online application, sit back and wait for your decision.

Centrelink Customers

Apply Now

Payday Rocks is not a loan provider. Our system checks multiple loan providers to find the best loan to fit the needs of the applicant. There are no additional costs for using our service.