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New York Business Development Corporation, 504, New York, Business Development, business loans for women.#Business #loans #for #women


Business loans for women

Brooklyn, New York

Business loans for women

Artisanal ice cream company secures funding to grow wholesale division

Business loans for women

SCHOLET FURNITURE

Oneonta, New York

Business loans for women

Third generation furniture store owner expands with 504 loan

HEALTHY HEART

Brooklyn, New York

Business loans for women

Provides meals for senior citizens, day care centers and schools

SPECIALIZED CARE FOR

AVIAN AND EXOTIC PETS

Clarence, New York

Business loans for women

Specialized veterinarian in Western NY opens her own practice

Business loans for women

ALCHEMY POST SOUND

Peekskill, New York

Business loans for women

Produces sound for film and television soundtracks

Current

PATHWAYS FOR SUCCESS

Business loans for women

NYBDC’s goal is to assist, promote and advance the business prosperity and economic welfare of the State of New York by providing loans to small businesses including start-up, early stage and mature businesses with a particular emphasis on minority and women owned businesses. We aim to be more creative in our underwriting. In many cases, we include multiple participations, SBA guarantees, flexible amortization and long-term payouts.

Business loans for women

NYBDC works to provide New York small businesses with a number of diverse and unique products to help make financing options available for a wide variety of business needs. Working with our partners and the US Small Business Administration, we are here to help you find the products best suited for your business needs.

Please note, NYBDC is capable of servicing our clients in the following languages:

  • Filipino
  • French
  • Italian
  • Korean
  • Albanian
  • Korean
  • Romanian
  • Yoruba
  • Cantonese
  • Mandarin
  • Spanish
  • Creole (Haitian-Creole)

Business loans for women

NYBDC has a dedicated staff of loan specialists and portfolio administrators focused on helping you continue to be a successful borrower and grow your business. Please take advantage of the resources we provide for our current borrowers.

Business loans for women

The success of our borrowers is uniquely tied to our network of statewide small business resource partners. From our technical assistance partners to local chambers, NYBDC continues to grow such partnerships and encourages our borrowers to take advantage of our resource partners nearest to their community.

Business loans for women

We believe that small businesses are essential to the economic prosperity of our State. We utilize the US Small Business Administration’s 7(a) and 504 programs amongst others to address the demonstrated need for additional capital for small businesses in our State.

We are continually learning from our lending activities and welcome the opportunity to share some of those lessons with our small business lending industry partners nationwide.

  • Stay in touch with NYBDC articles and success stories Learn more
  • Stay up to date on critical small business financing publications. Learn more


Small Business Loans, Minority Start Up Business Loan for Women with Bad Credit, small business loans for women.#Small #business #loans #for #women


Small Business Loans

Are you tired of shopping around for the lowest commercial loan rate in the market or simply getting a quick approval for a small business loan to help jumpstart your business?

We are a leading financial service company offering our clients a wide array of business financing solutions tailored to meet every specific business needs. Our financial products include but not limited to commercial real estate loans, small business loans, cash advance, and a newly developed business loan express program that can finance your business within a 72-hour funding time.

We have a high approval rate for borrowers with various circumstances.

Whether you’re requiring specific incentive program such as a small business loan for minority or small business loan for women, we will find the best business loan program for you. Our wide network of direct lending relationship provides an opportunity for us to place you in the best loan program that fit your business needs.

Start Up Business Loans(SBA Loans)

SBA Loans are fully amortized for the length of the term ranging from 7 to 25 years depending on the use of the loan. No balloon payments at the end of the term. And up to 90% financing meaning only a 10% down payment is required by the borrower. SBA Loans are guaranteed by the government therefore providing the market with extremely competitive rates for small business loans up to $5,000,000. These small business loans can be used for commercial real estate purchases, working capital, as well as other uses sanctioned by the government.

Veteran Business Loan Minority Business Loan

With over a hundred direct lending relationships available, we can offer the best incentive programs for our borrowers. We have a high approval rate for borrowers because we are not limited to a few programs available from a specific bank or lender. We also are able to provide incentive small business loans for veteran, women and/or minorities. These incentive programs for women and minorities may include reduced rates, quicker approval and funding, as well as many other benefits for veteran business loans.

Business Credit Card

With the highest approval rate among all types of financing, business credit cards are the most recommended form of funding by MyOwnBusinessLoan.com. A revolving line of credit can be used on inventory and normal office expenses. Once inventory is sold and profit is made, the line of credit can be paid off and used again to purchase additional inventory to be sold. A business credit card makes it easy for a start up business owner to track expenses through the credit cards monthly statement and report.

Small business loans for women

Small business loans for women

Small business loans for women



Accion, Small Business Loans, small business loans for women.#Small #business #loans #for #women


Launching Dreams, Empowering Entrepreneurs

Accion believes entrepreneurs create vibrant communities. We deliver a level of personalized service you won’t find at any other lender. Capital is just one tool you need to reach your goals, and we partner with you every step of the way.

Delivered to small business owners

Years of lending experience in the U.S.

500,000+

Entrepreneurs across the country served

Small business loans for women

What Makes Us Different

Loans designed to help you succeed, with terms specific to your needs and goals.

Champion for Small Business

We are leaders in the responsible lending movement and dedicated to advancing local and national initiatives that support and empower entrepreneurs.

Access to business experts, special events, networking, and opportunities from our partners, as well as exclusive online resources help you take your business to the next level.

Every community has a unique business climate. Our on-the-ground expertise keeps you ahead of the curve no matter where you operate.

We match every borrower with a knowledgeable loan expert who provides personalized guidance through the loan process and beyond.

Simple Online Application

In less than 15 minutes, you could be on your way to getting the capital you need to run the business you love.

Hear What Business Owners Are Saying

A loan is an opportunity for a better future. Meet some of the entrepreneurs who have used Accion loans and support to grow their business.

Maria Harrison
Tea Gallerie

“We were so happy that someone believed in us. Accion is a financial partner and a supportive community partner.”

Odilon Celestin
C M Sweet Bakery

“Accion doesn’t just give you money they help you survive. My dream came true because I didn’t give up.”

Scott Carpenter
Underground Fitness

“I hit a lot of dead ends. Then I found Accion.”

Pamela A. Jones
Charboy’s

“At Accion, the loan process was straightforward. Now I have a whole line of sauces in 200 stores.”

What to Expect

A fast and simple online application experience paired with unmatched personalized service for every applicant.

Small business loans for women

Apply online, in person or call us

Get started by telling us about your business and financing needs. We welcome the chance to get to know you and your business. Questions? We are here to help.

Small business loans for women

Get a solution that fits your needs

Our loan experts work one-on-one with you to tailor solutions to you, your business and your goals.

Small business loans for women

Get the support you want

We want to be your most trusted resource. We’ll work with you every step of the way to put your loan to work and get your business on the right track.

Because we believe you deserve an efficient and transparent borrowing experience, we are a signatory of the Small Business Borrowers Bill of Rights.

Business Resources

Getting the capital your business needs is just one piece of the puzzle. Explore our library of tips, articles and videos to help your business grow.

Small business loans for women

article

10 Essential Tips for Growing Your Business

Small business loans for women

program

Brewing the American Dream

Small business loans for women

video

3 Vital Components to Your Business Plan

Free Small Business Owner’s Toolkit

Running a business is hard work, but we re here to help. Get tips on everything from setting up your business to creating a website to paying taxes, based on Accion s experience helping entrepreneurs in every industry across the U.S.

Small business loans for women

2017Accion is a 501(c)(3) nonprofit organization. All rights reserved.

Small business loans for women

“At Accion, the loan process was straightforward. Now I have a whole line of sauces in 200 stores.”



Quick Business Loans: From $ to $, GoKapital, business loans for women.#Business #loans #for #women


Quick Business Loans

Quick Business Loans

Is your business in need of quick working capital? If you’re generating over $5,000 in monthly revenue, you can be approved and funded within 24 hours with our quick business loans program.

Comm. Real Estate

Whether it’s for purchasing property or refinancing your mortgage, our Commercial Real Estate loan programs are available for all types of properties.

Equipment Leasing

Business owners often need equipment to grow their business. Preserve cash flow, build business credit, and apply for equipment leasing today.

Business Line of Credit

With an instant business line of credit from GoKapital, your business can access funds immediately with minimal paperwork. No pre-payment penalties.

Merchant Cash Advance

If you process over $5,000 in credit card sales per month, you can qualify for a merchant cash advance with flexible repayment terms. Get funded today.

Unsecured Term Loan

Do you qualify for a commercial bank loan, but don’t want to wait months for a decision? With minimal documentation, our rates start at 6%.

Fix and Flip Loans

GoKapital offers residential real estate financing for investors, in the form of hard money loans (based on property equity) with quick and easy closings.

Loan Consolidation

Have several loans? Let us lower your payments provide more financing. GoKapital offers business loan consolidation refinancing programs.

Do You Need Quick Funding For Your Business?

Our minimum qualifications are simpler than those of banks. Proudly presenting business approvals with no hidden fees .
Time in Business

4 Months of Operation

Location

50 States, Canada, Puerto Rico

Industry

All Industries Eligible

Personal Credit

All FICO scores qualify

Serving all industries

We help all businesses grow! If you already have a business and need additional capital, business financing may help you reach new heights.

Business loans for women

RESTAURANTS

Open another location

Business loans for women

DENTAL OFFICES

Purchase office equipment

Business loans for women

ACCOUNTANTS

Loans for Marketing

Business loans for women

RETAIL STORES

Increase store inventory

Business loans for women

AUTOMOTIVE REPAIRS

Hire More Employees

Business loans for women

CONSTRUCTION COMPANIES

Acquire New Projects

Business loans for women

MEDICAL

Loans for Doctors

Business loans for women

TRANSPORTATION

We Make Small Business Loans Easier!

Quick Easy Application, No Collateral Required. Multiple Funding Options for Your Business

How It Works

Business loans for women

Business loans for women

APPLY

Our simple and secure application process only takes minutes, and qualifies you for the best financing available.

Business loans for women

GET APPROVED

We review your business information and quickly provide you with loan approval options.

Business loans for women

RECEIVE FUNDS

Once approved, access your working capital immediately!

Qualify by answering three easy questions:

Was your business

started over 3 months ago?

Does your business

average more than $10,000 per month in gross sales?



New York Business Development Corporation, 504, New York, Business Development, business loans for women.#Business #loans #for #women


Business loans for women

Brooklyn, New York

Business loans for women

Artisanal ice cream company secures funding to grow wholesale division

Business loans for women

SCHOLET FURNITURE

Oneonta, New York

Business loans for women

Third generation furniture store owner expands with 504 loan

HEALTHY HEART

Brooklyn, New York

Business loans for women

Provides meals for senior citizens, day care centers and schools

SPECIALIZED CARE FOR

AVIAN AND EXOTIC PETS

Clarence, New York

Business loans for women

Specialized veterinarian in Western NY opens her own practice

Business loans for women

ALCHEMY POST SOUND

Peekskill, New York

Business loans for women

Produces sound for film and television soundtracks

Current

PATHWAYS FOR SUCCESS

Business loans for women

NYBDC’s goal is to assist, promote and advance the business prosperity and economic welfare of the State of New York by providing loans to small businesses including start-up, early stage and mature businesses with a particular emphasis on minority and women owned businesses. We aim to be more creative in our underwriting. In many cases, we include multiple participations, SBA guarantees, flexible amortization and long-term payouts.

Business loans for women

NYBDC works to provide New York small businesses with a number of diverse and unique products to help make financing options available for a wide variety of business needs. Working with our partners and the US Small Business Administration, we are here to help you find the products best suited for your business needs.

Please note, NYBDC is capable of servicing our clients in the following languages:

  • Filipino
  • French
  • Italian
  • Korean
  • Albanian
  • Korean
  • Romanian
  • Yoruba
  • Cantonese
  • Mandarin
  • Spanish
  • Creole (Haitian-Creole)

Business loans for women

NYBDC has a dedicated staff of loan specialists and portfolio administrators focused on helping you continue to be a successful borrower and grow your business. Please take advantage of the resources we provide for our current borrowers.

Business loans for women

The success of our borrowers is uniquely tied to our network of statewide small business resource partners. From our technical assistance partners to local chambers, NYBDC continues to grow such partnerships and encourages our borrowers to take advantage of our resource partners nearest to their community.

Business loans for women

We believe that small businesses are essential to the economic prosperity of our State. We utilize the US Small Business Administration’s 7(a) and 504 programs amongst others to address the demonstrated need for additional capital for small businesses in our State.

We are continually learning from our lending activities and welcome the opportunity to share some of those lessons with our small business lending industry partners nationwide.

  • Stay in touch with NYBDC articles and success stories Learn more
  • Stay up to date on critical small business financing publications. Learn more


Accion, Small Business Loans, business loans for women.#Business #loans #for #women


Launching Dreams, Empowering Entrepreneurs

Accion believes entrepreneurs create vibrant communities. We deliver a level of personalized service you won’t find at any other lender. Capital is just one tool you need to reach your goals, and we partner with you every step of the way.

Delivered to small business owners

Years of lending experience in the U.S.

500,000+

Entrepreneurs across the country served

Business loans for women

What Makes Us Different

Loans designed to help you succeed, with terms specific to your needs and goals.

Champion for Small Business

We are leaders in the responsible lending movement and dedicated to advancing local and national initiatives that support and empower entrepreneurs.

Access to business experts, special events, networking, and opportunities from our partners, as well as exclusive online resources help you take your business to the next level.

Every community has a unique business climate. Our on-the-ground expertise keeps you ahead of the curve no matter where you operate.

We match every borrower with a knowledgeable loan expert who provides personalized guidance through the loan process and beyond.

Simple Online Application

In less than 15 minutes, you could be on your way to getting the capital you need to run the business you love.

Hear What Business Owners Are Saying

A loan is an opportunity for a better future. Meet some of the entrepreneurs who have used Accion loans and support to grow their business.

Maria Harrison
Tea Gallerie

“We were so happy that someone believed in us. Accion is a financial partner and a supportive community partner.”

Odilon Celestin
C M Sweet Bakery

“Accion doesn’t just give you money they help you survive. My dream came true because I didn’t give up.”

Scott Carpenter
Underground Fitness

“I hit a lot of dead ends. Then I found Accion.”

Pamela A. Jones
Charboy’s

“At Accion, the loan process was straightforward. Now I have a whole line of sauces in 200 stores.”

What to Expect

A fast and simple online application experience paired with unmatched personalized service for every applicant.

Business loans for women

Apply online, in person or call us

Get started by telling us about your business and financing needs. We welcome the chance to get to know you and your business. Questions? We are here to help.

Business loans for women

Get a solution that fits your needs

Our loan experts work one-on-one with you to tailor solutions to you, your business and your goals.

Business loans for women

Get the support you want

We want to be your most trusted resource. We’ll work with you every step of the way to put your loan to work and get your business on the right track.

Because we believe you deserve an efficient and transparent borrowing experience, we are a signatory of the Small Business Borrowers Bill of Rights.

Business Resources

Getting the capital your business needs is just one piece of the puzzle. Explore our library of tips, articles and videos to help your business grow.

Business loans for women

article

10 Essential Tips for Growing Your Business

Business loans for women

program

Brewing the American Dream

Business loans for women

video

3 Vital Components to Your Business Plan

Free Small Business Owner’s Toolkit

Running a business is hard work, but we re here to help. Get tips on everything from setting up your business to creating a website to paying taxes, based on Accion s experience helping entrepreneurs in every industry across the U.S.

Business loans for women

2017Accion is a 501(c)(3) nonprofit organization. All rights reserved.

Business loans for women

“At Accion, the loan process was straightforward. Now I have a whole line of sauces in 200 stores.”



Business News and Financial News, business loans for women.#Business #loans #for #women


Business News

Business loans for women

Why Bill Ackman is taking on ADP

Business loans for women

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    Business loans for women

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  • Alternatives to Small Business Loans for Women – Small Business Blog #auto #loan #refinancing


    #small business loans for women
    #

    Alternatives to Small Business Loans for Women

    According to a recent study from the Small Business Administration, small business loans for women are harder to come by than those for male business owners even when controlling for factors like industry and credit score.

    Many female business owners are well aware of the challenges of obtaining loans and choose to rely less on outside capital than do men. Because of the difficulties of obtaining business loans for women, female operated businesses often have less working capital and tighter budgets. Women are also more likely to utilize non-traditional forms of lending such as peer-to-peer financing or alternative business loan providers such as Kabbage .

    According to the SBA, the “level of startup capital is a strong predictor of business success.” Having access to capital is essential for women to have the same opportunities as men to achieve success.

    When looking at the statistics on women-owned businesses published by the Association of Women’s Business Centers. it’s clear that small business loans for women are essential to helping fuel the overall economy.

    • Women owned businesses account for more than 40% of all privately held firms
    • One in five firms with revenue of $1 million or more is woman-owned
    • 10.1 million firms are owned by women, employing more than 13 million people and generating more than $2 trillion in sales each year.

    While small business loans for women may be limited, there are plenty of other ways to obtain working capital. If you’re a woman who is launching a new business or who needs funds to grow an existing business, the following strategies can help:

    1. Find Out Your Options

    There are plenty of alternatives to traditional bank loans. It can often make financial sense to consider lines of credit, SBA microloans. and credit cards depending on your particular situation. Cash advances can often be a good choice if you need a quick source of funds to purchase inventory or to hire help during a busy season.

  • Build Your Business Credit
    Even with a good personal credit score, it can be hard to obtain business loans for women.  Establishing credit for your business is always a good idea even if you choose not to work with banks. Your good business credit can be beneficial for obtaining desirable terms with vendors and for getting lower interest rates on business credit cards .
  • Make Your Business Plan a Dynamic Document
    Your business plan shouldn’t be just pre-launch homework that you tuck into a desk drawer. It should be your blueprint for the growth of your business. By keeping current with your financial projections, marketing, and development efforts, you will always have the backup to show potential lenders what you’re doing now and where you’re headed in the future.
  • Look Better on Paper

    Many small business owners make the mistake of not depositing cash into their business bank accounts before paying themselves or their vendors. Making those deposits is your proof of cash flow if you want to obtain funding. Paying vendors on time and filing taxes before the deadline can help, too!

  • Finally, it’s important to not get discouraged. Small business loans for women may not be the easiest thing to obtain. But, there are plenty of successful female business owners who have never borrowed from a bank. Stay focused on your goals and be open to a variety of lending opportunities. With a little research and a good plan of action, you can get the resources you need to achieve your goals .



    Small Business Loans For Women #auto #loan #calculators


    #small business loans for women
    #

    Apply Now

    Small Business Loans for Women

    For female entrepreneurs, it may be difficult to secure financing for a startup small business. Historically, women have experienced challenges in their efforts to develop their ideas and establish small businesses of their own. Although women possess many unique ideas and concepts, their inability to obtain funding leads them to failure. Merchant Advisors provides financial support to female entrepreneurs when other alternatives may not be readily available.

    For females seeking funding for their small businesses, Merchant Advisors will evaluate your financial situation, offering you affordable choices to make your dreams a reality. These financing options enable women to pursue their dreams of owning and operating a small business without the hassle of high-interest loans or other cash advance options. By evaluating all applicants, regardless of their credit histories, females will obtain financial security at affordable rates.

    Another advantage that Merchant Advisors offers is less paperwork, as female applicants will not be required to provide many of the forms that are typically required to verify personal financial information, including tax forms and other related documents. We have been successful in easing the financial burden associated with business loans, and therefore, female applicants may witness their dreams come true.

    With our wide range of funding programs we’re able to customize a plan that gets you the funding you need, when you need it, and at affordable rates. We can free up your working capital by factoring outstanding invoices, by purchasing some of your future credit card receipts at a discount, or by creating a customized business loan or business line of credit solution. You also don’t need a perfect credit score or collateral to get your loan approved

    For female entrepreneurs, Merchant Advisors is a positive step towards financial security and small business success, as the organization recognizes the value and intelligence of women and their role in today’s economy. As a result, the business represents females and their financial needs in a positive light, and this encourages even more women to aspire and to achieve their small business goals. Since these loans are affordable, women are able to pursue excellence without the weight of high-interest payments, penalties for early repayment, and excessive fees. Women possess a strong advantage with Merchant Advisors, offering them a top choice for a good value.



    Military Loans for Men and Women #low #rate #loans


    #military personal loans
    #

    Military Loans Offer Help on the Home Front

    It’s difficult to place a dollar value on the work our men and women in uniform do every day defending our country. But one thing has held true from the American Revolution to the present — a military paycheck never goes as far as it should. Fortunately, there are lenders who specialize in helping military families make ends meet.

    Military loans from a qualified lender offer fair rates with no hidden fees, and are available to all service branches and ranks, including Department of Defense (DOD) employees. A military loan is patterned on the time-honored “installment loan” model and offers a responsible alternative to sinking deeper into credit-card debt.

    Legitimate military loans have fixed interest rates and repayment amounts, so you ll know exactly how much your loan will cost and when it will be paid off. A military loan will never require the borrower to put up their vehicle or house as collateral.

    Military loans range from $500 to $10,000 and can be repaid in fixed, manageable monthly payments for up to 36 months. A legitimate provider of military loans will also comply with the 2007 Military Lending Act (MLA), as well as the Federal Deposit Insurance Commission (FDIC) recommended APR cap on personal loans.

    Interest rates for military loans can vary based on the borrower’s credit history, but are typically much lower than the rates incurred on most credit cards. And it’s very rare for any service member to be turned down for a loan based on a poor credit rating.

    As long as the borrower is an active-duty service member with at least 18 months left in their enlistment, a military loan is within reach. Many military loans offer an interest-free loan of $1,000 for three months, or an APR of 9.95 percent for longer-term loans.

    Some common military loans include:

    • Disaster Relief Loan. for helping military personnel to get emergency funds after a natural disaster.
    • Bereavement Loan. which provides financial resources when you’re facing the loss of a loved one or dealing with a family emergency. This kind of loan requires a direct referral from your commander.
    • Home Leave Assistance Loan. designed to help military personnel get home to their families by providing funds for airline tickets, gas money, a hotel, or other necessities.
    • Convalescent Leave Loan  to cover expenses of wounded service members and costs incurred by their families.
    • Help Loan  in the form of a short-term, non-renewable loan designed to meet immediate cash needs. A typical Help Loan would be for $500 (non-renewable, non-rollover), to be repaid in four equal monthly payments (including a small service charge).

    The best providers of military loans understand that members of the Army, Air Force, Marines, Navy and Coast Guard have unique demands placed on their finances, and those factors need to be taken into account when deciding upon an applicant’s credit worthiness. For men and women in the armed forces who would rather not max out their credit cards to pay for travel or other necessities, a military loan can be your best option.



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    Alternatives to Small Business Loans for Women – Small Business Blog #credit #consolidation


    #small business loans for women
    #

    Alternatives to Small Business Loans for Women

    According to a recent study from the Small Business Administration, small business loans for women are harder to come by than those for male business owners even when controlling for factors like industry and credit score.

    Many female business owners are well aware of the challenges of obtaining loans and choose to rely less on outside capital than do men. Because of the difficulties of obtaining business loans for women, female operated businesses often have less working capital and tighter budgets. Women are also more likely to utilize non-traditional forms of lending such as peer-to-peer financing or alternative business loan providers such as Kabbage .

    According to the SBA, the “level of startup capital is a strong predictor of business success.” Having access to capital is essential for women to have the same opportunities as men to achieve success.

    When looking at the statistics on women-owned businesses published by the Association of Women’s Business Centers. it’s clear that small business loans for women are essential to helping fuel the overall economy.

    • Women owned businesses account for more than 40% of all privately held firms
    • One in five firms with revenue of $1 million or more is woman-owned
    • 10.1 million firms are owned by women, employing more than 13 million people and generating more than $2 trillion in sales each year.

    While small business loans for women may be limited, there are plenty of other ways to obtain working capital. If you’re a woman who is launching a new business or who needs funds to grow an existing business, the following strategies can help:

    1. Find Out Your Options

    There are plenty of alternatives to traditional bank loans. It can often make financial sense to consider lines of credit, SBA microloans. and credit cards depending on your particular situation. Cash advances can often be a good choice if you need a quick source of funds to purchase inventory or to hire help during a busy season.

  • Build Your Business Credit
    Even with a good personal credit score, it can be hard to obtain business loans for women.  Establishing credit for your business is always a good idea even if you choose not to work with banks. Your good business credit can be beneficial for obtaining desirable terms with vendors and for getting lower interest rates on business credit cards .
  • Make Your Business Plan a Dynamic Document
    Your business plan shouldn’t be just pre-launch homework that you tuck into a desk drawer. It should be your blueprint for the growth of your business. By keeping current with your financial projections, marketing, and development efforts, you will always have the backup to show potential lenders what you’re doing now and where you’re headed in the future.
  • Look Better on Paper

    Many small business owners make the mistake of not depositing cash into their business bank accounts before paying themselves or their vendors. Making those deposits is your proof of cash flow if you want to obtain funding. Paying vendors on time and filing taxes before the deadline can help, too!

  • Finally, it’s important to not get discouraged. Small business loans for women may not be the easiest thing to obtain. But, there are plenty of successful female business owners who have never borrowed from a bank. Stay focused on your goals and be open to a variety of lending opportunities. With a little research and a good plan of action, you can get the resources you need to achieve your goals .



    A Guide to Business Startup Loans for Women. #compare #payday #loans


    #business loans for women
    #

    A Guide to Business Startup Loans for Women

    A number of government agencies, non-profits and professional organizations offer business startup loans to women in an attempt to foster good relationships, create jobs and stimulate the economy. To truly understand the requirements of outside organizations, individuals have to acquaint themselves with the types of financing available to new entrepreneurs .

    Offering advice and counseling for free, places like the Small Business Association, or SBA, and the Association of Women’s Business Centers provide training as well as put women into contact with sources of funding for their startups. Despite needing to meet specific criteria, women worldwide can qualify for business grants and unsecured business loans.

    Qualified women can borrow money for their businesses in the following ways:

    Secured Business Loans

    Collateral is put up by the receiver of the loan in an effort to protect the lender’s investment. If the recipient defaults on the loan, the bank can seize the item, commonly real estate, as a form of repayment.

    Unsecured Business Loans

    No prevention measures are taken to protect the lender but the interest rate is higher than a secured loan. This type of funding is given to women with a solid financial background and exemplary credit history.

    Small loans are given to start-up businesses and have a very specific timeframe for repayment. The average loan size is $13,000, but startups can request up to $35,000 from intermediaries that are approved by the SBA.

    Available through local and state programs as well as non-profits, grants must be matched by the entrepreneur or combined with other means of funding like a loan.

    Requirements That Must be Met to Attain a Loan

      Good Personal Credit. Business owners need to know a thing or two about managing money before starting out on a venture of their own. A Solid Business Plan. A roadmap highlighting possible successes and failures, not to mention a clearly stated plan of action, gives investors a way to measure a start-up’s staying power. Work Experience. Past opportunities can help entrepreneurs cultivate the skills needed to be a successful business owner. An Educational Background. Related coursework will strengthen a small business. Proof That the Business Has Longevity. Researching competitors and giving direct examples regarding risks and profits is one way that women can help their chances of being approved for business startup loans.

    Where to Find Additional Information

      The Small Business Association (SBA) has local chapters throughout the United States. Workshops, pamphlets and podcasts make it easy for women to get the information that they need regarding funding for their start-ups. WomenBiz.Gov caters to women who use their businesses to sell to the Federal Government. Easy-to-navigate and full of useful information, start-up businesses stand a better chance of succeeding with federal contracts after visiting the agency’s website.

    Securing finances for their start-ups is one way that women can keep afloat amongst their competition. From unsecured business loans to private grants, funding is available to those entrepreneurs who are willing to ask for it.



    DIY Jellyfish Costumes – Costume Works #jellyfish, #costumes #for #women, #homemade #costume, #jellyfish #halloween #costumes, #diy #jellyfish #costumes, #diy #jellyfish #costumes, #2012 #halloween #costume #contest, #halloween #costumes, #animal #costumes, #costume #for #halloween


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    DIY Jellyfish Costumes

    A word from Helen, the ‘Jellyfish’ costume creator:

    I was inspired by pictures of jellyfish costumes that I saw on other websites, plus the fact that they glow! I was going for something not too expensive and also not heavy or cumbersome so I decided to use a hybrid of methods I found on the web and added my own twist.

    • Inexpensive hat with a brim (choose one that fits you well)
    • Foam board (I reused from one of my kid’s projects)
    • Bubble wrap- both big and small (recycled from home and bought some at the dollar store)
    • Drycleaning bags
    • 3 Thin wire battery operated warm led lights (purchased from Amazon)
    • 3 “tap on” battery operated lights- can purchase just about anywhere. The kind that are “stick on” and can attach with the adhesive back.
    • Iridescent and colored metallic tissue paper- from the dollar store
    • White duct tape and clear shipping tape
    • Iridescent mesh tubing- purchased at AC moore for 1/2 price. Can also find on the web easily.
    • Variety of white, clear and/or iridescent wired ribbon purchased on sale or with discount coupons. I used 1 and 1/2 rolls of both the wide and the more narrow widths.
    • Glue gun
    • Material – I used an old veil, but any sheer and/or iridescent material you like is fine.

    How to make a jellyfish costume:

    Started with the cowboy hat (sombrero seemed to flimsy as I wanted to be able to move about and dance easily).
    Cut foam board in a 20 inch diameter circle (this was pretty large- I would do smaller next time, maybe 18 inches). Then cut a closefitting hole in the foamboard for the top of the hat to fit through (foam board is sitting on top of hat). I cut carefully each time to ensure the hole and hat fit my head closely.

    I then applied hot glue around the top of the cowboy hat rim and firmly pressed the foamboard circle onto it. I poked a hole from underneath on each side of the hat in order to thread the battery operated light wire through from underneath the hat. Hot glued and adhered the 3 tap on lights underneath and behind where my head would fit these make the large tentacles.

    I covered the top of the hat with white duct tape and then glued metallic tissue all over the top and underneath of the hat. I also taped some of the colored tissue over each of the tap on lights. I used blue for one jellyfish and pink for the other one.

    Hot glued the battery operated light control to the underside of the hat one on each side (near where my ears were for balance). Made sure that tops were exposed so that I could change the batteries if needed.

    To build up the top of the hat, I used a some white plastic bags, lots of drycleaning bags and even some toilet paper rolls attached with the shipping tape. * make sure to keep the light string out!

    Once I achieved the basic shape and height I wanted, I then taped the iridescent, metallic tissue all over the top with clear tape. Next, I attached the lights. No particular pattern, just enough to make sure the entire top would glow and be spaced out nicely. Used the clear packing tape to attach. Then I covered the entire top of the hat with the large bubble wrap bringing over the edge and attached it underneath (about an inch or so inside/underneath) with staples and glue.

    Now it was time for the tentacles. For the three inside tentacles, I unraveled a long white loofah and cut them at my knees. Then attached them around the 3 tap on lights so the light would shine down inside of the tentacle. I measured the mesh tubing, ribbon and small bubblewrap and cut so each tentacle came to my knees and varied the lengths a little. I scrunched the ribbon. Attached all to the underneath of hat with hot glue. I used an old veil found at the thrift store to cover the entire jellyfish, leaving about 3 inches extra underneath the hat, but you can use any sheer, iridescent material just look for something you like!

    Dressed all in white (can do all black too if you like). We glowed all night and had so many compliments and photos taken. The kids loved seeing us out trick or treating! Fun, fun, fun!

    More Jellyfish Costume Ideas:



    Deceptive Insurance Deals (STOLIs) #insurance #scam, #term #insurance #scam, #long-term #care, #long #term #care, #ltc, #long-term #care #insurance, #long #term #care #insurance, #greedy #insurance #investors, #transfer #policy, #transfer #insurance #ownership, #chronic #illness, #chronic #conditions, #long-term #care #expenses,, #long #term #care #costs, #stoli, #stoli #promoter, #older #women, #joint #insurance #policies, #insurance #taxes


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    Deceptive Insurance Deals (STOLIs)

    There’s an evil cousin of legitimate life settlements out there, says Jack Dolan, vice president for media relations with the American Council of Life Insurers. It’s called ‘Stranger-Originated Life Insurance,’ or ‘a STOLI arrangement,’ and it’s all about getting unsuspecting consumers to deceive the insurance industry, at great personal risk to the individuals.

    Here’s how a STOLI works:

    A STOLI promoter—generally a financially savvy person—approaches you about buying a hefty life insurance policy on yourself. Working independently of any insurance company, the third-party promoter promises you a big cash payment up front, will lend you money to pay the premiums for the first two years of the policy (the normal period in which an insurance company can contest a policy), and will then promise to forgive the loan.

    In exchange, you’re enticed to inflate the value of your assets on the insurance application, perhaps stating that you want to guarantee your family’s security after your death. If the scheme plays out successfully, it results in a policy with a face value that can be worth several million dollars. At the outset, you must agree to transfer ownership of your policy at the end of the two-year period to the STOLI promoter and investors, who will receive those millions upon your death.

    STOLI promoters typically target well-to-do, older adults who aren’t in the best of health, says Dolan. However, these peopleare healthy enough to pass a medical exam but probably don’t have more than five or so years to live. The speculators are essentially wagering on your dying soon.

    The success of a STOLI depends on a seductive approach that causes you not to examine it closely enough. But there are serious consequences if you participate in this scheme, many of which you may not see immediately. The possible ramifications include the following:

    Taxes, Taxes, and More Taxes: You’ll be taxed on the money the promoter gives you up front. And you could be taxed on the amount of the premium loan the promoter forgives. Some STOLI promoters pull out all the stops to court you into setting up a policy, even inviting you on all-expenses-paid luxury trips. But there is one vacation expense you’ll have to pay: taxes.

    Say Goodbye to Privacy: The sooner you die, the sooner the STOLI promoter and investors get paid. They’ll all but knock on your door to check in on how you’re doing.

    No More Insurance: By inflating your assets to increase the value of your insurance policy, you’ve become over-insured and are unlikely to be able to buy any more policies.

    You Could Get Caught: If your policy is found to be deceptive, the insurance company will likely rescind it, refund your premiums, and leave it at that. But it may also refer the case to state law-enforcement authorities for a fraud investigation and file an action against the STOLI promoter.

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    Small Business Loans for Women in Canada #long #term #loans #no #credit #check


    #small business loans for women
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    Small Business Loans for Women in Canada: For Women Only

    By Susan Ward. Small Business: Canada Expert

    Susan Ward is a business writer and experienced business person; she and her partner run Cypress Technologies, an IT consulting business, providing services such as software and database development.

    Read more about Susan’s current and past work on her Google Profile if you like: Susan Ward .

    These small business loans for women are available only to women owned businesses (or women about to start a woman owned business). That is, the business must be 50 percent or more owned or controlled by a woman or women. Where you live also matters, as some women’s small business loan programs are only available to residents of particular areas.

    But the good news is that if you are a woman looking to start a business or expand an existing small business, small business loans are available – and even the occassional small business grant.

    See if you fit the criteria for any of the following programs.

    Small Business Loans for Women in Eastern Canada

    Atlantic Canada Opportunities Agency (ACOA)Women in Business Initiative

    The ACOA Women in Business Initiative focuses on improving the access of women to business financing. To do this, ACOA (Atlantic Canada Opportunities Agency) has partnered with Development Corporations throughout the region.

    There are more than 40 Community Business Development Corporations (CBDCs) in the region as well as a multitude of urban lenders who are part of the program.

    Continue Reading Below

    Small Business Loans for Women in Central Canada

    Located in Thunder Bay, Ontario, the Paro Centre operates over 30 peer lending circles throughout the Thunder Bay, Greenstone, Patricia and Superior North regions. These groups of four to seven women meet monthly to exchange advice, provide support, approve and guarantee each other s loans and monitor payments .

    If you are a woman who wants to become economically independent by starting a business or finding a job, Paro also operates the Gateway: A Path to Self Employment program which offers business development programming to women in Thunder Bay and area who are unemployed and eligible for Employment Insurance (EI), have been eligible on EI in the last three years or have been on maternity benefits in the last five years. Women receive Self-Employment Benefits (SEB) for the duration of the program.

    Small business loans are available for women entrepreneurs who wish to start or develop a business through the local investment fund of the Portneuf CLD.

    Small Business Loans for Women in Western Canada

    The non-profit Women s Economic Initiative (WEI) has offices in each of the four western provinces and provides small business loans for women, as well as business information, advisory services and training options for women business owners. Their small business loans for women will provide debt financing of up to $100,000 for for start-up, expansion or the purchase of an existing business.

    The following Women s Enterprise Centres administer the program (and provide a host of other services for women entrepreneurs):

    Small business loans for women up to a maximum of $100,000 are provided to help start, purchase or grow a viable business. You need to be able to demonstrate that your business idea is realistic and that you’re prepared to commit to it by submitting a comprehensive business plan along with your loan application.

    AWE provides women entrepreneurs in Alberta with small business loans of up to $100,000. AWE will assign you a Business Advisor when you apply who will lead you through the preparation of a business plan and the loans process.

    Women who wish to start, buy or already own a business in Saskatchewan can apply for small business loans of up to $100,000. You must work with a Business Advisor prior to applying for a loan.

    Like the other Enterprise Centres, the Manitoba Centre provides women with small business loans of up to $100,000. If you are applying for a loan of over $10,000, you will need too submit a completed business plan with your loan application. A Business Analyst will work with you throughout the process.

    Remember that the potential sources of small business financing listed here are by no means the only sources of small business loans for women entrepreneurs in Canada – it’s just that these programs are especially designed to help women start and grow their own businesses. And almost all of them offer support and advice as well as money to help your small business succeed.



    Best Lawyers 2017 Divorce #women #divorce #attorneys


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    Brown Goldstein Levy

    Dana McKee

    Profile

    Dana McKee handles all aspects of family law, which includes divorces, separation agreements, custody and child support disputes, and prenuptial agreements. She is a tough but fair negotiator who has successfully handled numerous mediations, trials, and appeals. Dana serves as a Court Ordered Settlement Conference Facilitator for the Family Division of the Circuit Court for Baltimore City and has taught courses on custody issues for the National Association of Social Workers.

    She is also trained as a collaborative family law attorney, a board member of The Collaborative Professionals of Baltimore and the Howard County Collaborative Professionals, and a member of the International Academy of Collaborative Professionals.

    Dana has received an AV Preeminent rating from Martindale-Hubbell, the highest possible rating in both legal ability and ethical standards from her peers. Less than 5% of women lawyers have been recognized with an AV Preeminent rating. Since 2013 Dana has been listed annually in Maryland Super Lawyers. She was listed in Top 50 Women Maryland Super Lawyers 2014 and 2015 and in Top 100 Maryland Super Lawyers 2014 and 2015, for lawyers who received the highest point totals in the Maryland nomination, research, and blue ribbon review process. Since 2014, Dana has been selected by her peers for inclusion in the The Best Lawyers in America. She is listed in the fields of Family Law and Commercial Litigation.

    In addition to family law, Dana handles a variety of complex commercial and personal injury litigation matters. In March 2000, she obtained substantial sanctions against a national manufacturer and its attorneys for discovery abuses in a product liability case a decision that has received statewide and national attention. Prior to joining Brown, Goldstein Levy, Dana was an attorney with Frank, Bernstein, Conaway Goldman, where her practice was devoted exclusively to complex commercial litigation.

    Dana is a member of the state and federal bars of Maryland, the District of Columbia, and New Jersey. She is an active member of the Maryland Association for Justice, the Baltimore County Bar Association Family Law Committee, and the Baltimore City Bar Association Family Law Committee.

    Dana lives in Baltimore City with her husband and daughter. She is active in her community, having served as the Vice-President and then President of the Ten Hills Community Association. She was instrumental in obtaining the historical designation for the Ten Hills community. She also has worked closely with city officials and leaders from the surrounding communities in the redevelopment of the abandoned Uplands Apartments in Southwest Baltimore. Dana enjoys spending time with her family and friends, cooking, and renovating her historic home.

    Contact Information

    Practice Areas

    Education

    • Duke University School of Law, J.D. 1985
    • Johns Hopkins University, B.A. with General Honors, 1981

    Representative Cases

    • Dana has represented clients in divorce cases involving substantial marital property, including business assets, retirement funds, securities, and real property. In many cases, child support and alimony also were at issue.
    • Dana has represented parents, relatives, and children in high-conflict custody disputes.
    • Poole v. Textron, Inc. ,192 F.R.D. 494 (D. Md. 2000) substantial settlement for child disfigured in a golf car accident and sanctions against the manufacturer and its attorneys for concealing information pertaining to the golf cart s defective design.
    • Stonegate Limited Partnership v. American Siding Roofing, Inc. successfully represented developer for substantial defects in a townhouse development caused by the negligent workmanship of one of its subcontractors.
    • Bertani v. Macklin obtained a substantial settlement on behalf of a homeowner in an architectural malpractice case.
    • Sember v. National Federation of the Blind defeated claims brought against the author, publisher, and sources of an article criticizing a government employee s nepotism.
    • Second Chance Body Armor, Inc. v. Safariland, Ltd. Inc. successfully defeated claims in a nationally publicized multidistrict litigation for defamation and Lanham Act violations brought by a corporation against competing sales representatives.

    Memberships

    • Maryland Volunteer Lawyers Service, Board Member
    • Howard County Collaborative Professionals, Board Member
    • Maryland Association for Justice, Board Member

    Honors

    Maryland Super Lawyers. 2013-present

  • The Best Lawyers in America 2014-present, Family Law and Commercial Litigation
  • Top 50 Women Maryland Super Lawyers. 2014 2015
  • Top 100 Maryland Super Lawyers. 2014 2015
  • Publications

    • Dana was interviewed and quoted in the Maryland Family Law Update article, Prenup, plz , December 2016.
    • Dana was quoted in The Daily Record s Maryland Law article, Same-sex marriage: New law, new clients, new questions , November 25, 2012.
    • Dana was interviewed and quoted in the article Love Meets the Law , in the 2012 issue of Baltimore Bride magazine.
    • Motions Practice in the United States Court of Appeals for the Fourth Circuit, Appellate Practice for the Maryland Lawyer: State and Federal (Sandler Levy eds. MICPEL 2007).
    • The ADA and the Internet: Must Web Sites Be Accessible to the Disabled?, Maryland Bar Journal. Fall 2000.

    Presentations

    • December 7, 2012, Dana was a panel member at the “A Conversation with Lawyer-consumers of Mediation” session during the 2012 Maryland Mediators Convention, Linthicum, MD

    Blog Articles

    For further information, see Brown, Goldstein Levy s family law site: http://browngoldfamilylaw.com/ .



    Graduate Nurse Program #the #royal #women #s #hospital, #women #s #health, #neonatal, #gynaecology, #fertility, #ovarian #cancer


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    Graduate Nurse Program

    Information for applicants: All graduate positions have been filled for 2017.

    We provide a learning environment that facilitates motivation and self directed learning, and the development of a professional identity, with support and guidance.

    Program

    The Women s provides graduate registered nurses with many opportunities to learn and consolidate their learning in a variety of women s health and neonatal settings.

    Duration

    Part time (0.8 EFT) and Full time employment for 52 weeks with commencement in February or May 2018.

    Placements

    The following placement areas are available to Registered Nursing graduates in our program:

    • Gynaecology Women s Cancer services: 5 North (0.8 EFT)
    • Neonates (0.8 EFT) including Special Care Nursery and Intensive Care Nursery
    • Perioperative Suites includes Theatre; Anaesthetics, Post Anaesthetic Care Units Day Surgery Unit (Full time)

    Placements are for 12 months in one area or a combination of 6 months in one area and 6 months in another. Graduates are asked to provide their placement preferences with their application. These will be further discussed at interview. Every attempt will be made to place graduates in their preferred areas, however, this may not always be possible.

    Professional development days

    Professional development days are provided throughout the year, occurring more frequently early in the year. These study days are tailored to meet the specific needs of the graduate group and cover a broad range of topics. These include clinical skills such as pain management, epidurals, venipuncture, pharmacology and Adult BLS assessment.

    The extensive range of services offered to women at the Women s are also explored through speakers from the Women s Alcohol and Drug Service, Neonates, Oncology Unit, Acute Pain Team, Women s Health Information Centre, Reproductive Loss service, Centre Against Sexual Assault and many other areas.

    Preceptor program

    Each graduate is allocated a preceptor by the nurse unit manager. Each placement provides graduates a supernumerary time appropriate to that area.

    Night duty

    Graduates are generally not rostered night duty during the first 10 weeks of employment.

    Graduate Nurse requirements

    • Regular 3 monthly appraisals in each placement area
    • Adult Basic Life Support (ABLS) competency
    • Neonatal Resuscitation competency (if applicable)
    • Emergency Management
    • Researched 10 minute reflective presentation to graduates at their professional development day
    • Reflective journal submitted each professional development day
    • Medicines Management
    • Epidural competency
    • Smart Move
    • Hand Hygiene and Infection Prevention and Control
    • Blood Safe E-Learning
    • Pressure Injuries, Falls Faints (PIFF)
    • Data Integrity
    • Respectful workplace behaviours

    Upon successful completion of all program requirements, participants receive a hospital certificate.

    Commencement

    Our Graduate Nurse Program has two intakes – in February and in May 2018.

    Advocacy

    The Women s supports the rights of women to make individual decisions related to their health and well-being. This also includes making available pregnancy termination services. In your role as a graduate nurse you may care for women undergoing termination of pregnancy and, included in your care, you may be required to administer the first medication in this process. If you have any concerns in regards to this you may need to rethink whether the Women s is the right hospital choice for you to complete your Graduate Nurse program.

    Graduate Nurse Information Evening

    The 2018 Graduate Information Evening on Tuesday 6 June 2017 is fully booked. Please do not attend unless you have booked as numbers are strictly limited by safety regulations.

    Please note that attendance at the information evening is not compulsory and non-attendance does not affect your application in any way.

    Applications for the 2018 Graduate Nurse Program open on 29 May 2017.

    Related information



    8 Things Women With Invisible Diseases Want You To Know #what #to #know #about #women


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    The information presented on this website is not intended as specific medical advice and is not a substitute for professional medical treatment or diagnosis. Read our Medical Advice Notice.

    Copyright 2017 Rodale Inc. “Prevention” and “Prevention.com” are registered trademarks of Rodale Inc. All rights reserved. No reproduction, transmission or display is permitted without the written permissions of Rodale Inc.

    8 Things Women With “Invisible” Diseases Want You To Know

    You look so good. You re faking it. It s all in your head. These are all words women suffering from so-called invisible diseases conditions without obvious physical symptoms hear frequently, sometimes on a daily basis. (Never say these 50 things about someone s health .) But their pain is real. Here s what 8 of them want you to know.

    Please offer to help.

    When I was in my 20s, I was diagnosed with vasovagal syncope. a condition that triggers your heart rate and blood pressure to drop suddenly, causing dizziness, nausea, and even fainting. For some reason, my syncope was also tied into my GI tract, so instead of just passing out my stomach would start violently convulsing and everything would come out of both ends.

    When I was in my late 30s, the condition really flared up, and I was constantly fainting and having to go to the hospital. I had a toddler and a husband who worked long hours. I was so lucky that many of my friends and family members stepped up to the plate to support me I could always find someone to meet me at the hospital and another person to watch my daughter. It was really crucial that I always have someone at my side, because I couldn t advocate for myself in the ER given the state I d be in when I got there. If you know a friend is battling a disease, no matter how invisible, please reach out and ask how you can help. She needs it more than you can ever realize.
    Alexandra Petticome*, 45, New York City

    Please understand I sometimes need my space.

    I have premenstrual dysmorphic disorder (PMDD), which means that for about one week each month I sink into a dark funk that seems impossible to climb out of. If someone gives me a sideways look or raises their voice even slightly, I cry. I take Prozac for the last half of my cycle, which helps, but there s nothing I can do to snap out of it. It s part of who I am, part of my biology. Unfortunately, people just view it as glorified PMS and don t understand if I am weepy, or short-tempered, or simply just so miserable I can t bring myself to get out of bed. It s terrible to feel that your mind is so out of control for several days every month, and it s difficult with a job because you can t show those same emotions that you so desperately seek to hide.
    Carol Dicker*, 27, Montclair, NJ

    4/8 sira anamwong/Shutterstock

    I may look put together, but I’m falling apart.

    Two and a half years ago, I checked myself into a psychiatric hospital for electroconvulsive therapy to treat severe, debilitating depression. The nurse looked at me and said, You don t look like a patient! , which dumbfounded me. It seemed such an odd, unfortunate thing to say. People really have this notion that someone with mental illness should look like they are straight out of One Flew Over the Cuckoo s Nest. when in reality so many of us look like we re on top of the world. When I was at my sickest, I still got up, showered, put on makeup, and dressed nicely for work. No one in a million years would ever know what I was going through.
    Risa Sugarman, 42, West Hartford, CT

    6/8 Pretty Vectors/Shutterstock

    No, even if I really, really try, I still can’t do it.

    I suffer from such severe claustrophobia that I can t ride an elevator or go on an airplane. People don t understand that they think that if I just pop a Xanax and really put my mind to it I ll be fine. They say, But you drive, so why can t you fly? or If you can ride the subway, you can handle an elevator. They have no clue that the anxiety I experience in those situations is completely crippling. It s like telling a quadriplegic that if she just closes her eyes and wishes it and visualizes it enough, she ll be able to walk.
    Devon Simmons*, 49, White Plains, NY



    Alternatives to Small Business Loans for Women – Small Business Blog #debt #consolidation


    #small business loans for women
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    Alternatives to Small Business Loans for Women

    According to a recent study from the Small Business Administration, small business loans for women are harder to come by than those for male business owners even when controlling for factors like industry and credit score.

    Many female business owners are well aware of the challenges of obtaining loans and choose to rely less on outside capital than do men. Because of the difficulties of obtaining business loans for women, female operated businesses often have less working capital and tighter budgets. Women are also more likely to utilize non-traditional forms of lending such as peer-to-peer financing or alternative business loan providers such as Kabbage .

    According to the SBA, the “level of startup capital is a strong predictor of business success.” Having access to capital is essential for women to have the same opportunities as men to achieve success.

    When looking at the statistics on women-owned businesses published by the Association of Women’s Business Centers. it’s clear that small business loans for women are essential to helping fuel the overall economy.

    • Women owned businesses account for more than 40% of all privately held firms
    • One in five firms with revenue of $1 million or more is woman-owned
    • 10.1 million firms are owned by women, employing more than 13 million people and generating more than $2 trillion in sales each year.

    While small business loans for women may be limited, there are plenty of other ways to obtain working capital. If you’re a woman who is launching a new business or who needs funds to grow an existing business, the following strategies can help:

    1. Find Out Your Options

    There are plenty of alternatives to traditional bank loans. It can often make financial sense to consider lines of credit, SBA microloans. and credit cards depending on your particular situation. Cash advances can often be a good choice if you need a quick source of funds to purchase inventory or to hire help during a busy season.

  • Build Your Business Credit
    Even with a good personal credit score, it can be hard to obtain business loans for women.  Establishing credit for your business is always a good idea even if you choose not to work with banks. Your good business credit can be beneficial for obtaining desirable terms with vendors and for getting lower interest rates on business credit cards .
  • Make Your Business Plan a Dynamic Document
    Your business plan shouldn’t be just pre-launch homework that you tuck into a desk drawer. It should be your blueprint for the growth of your business. By keeping current with your financial projections, marketing, and development efforts, you will always have the backup to show potential lenders what you’re doing now and where you’re headed in the future.
  • Look Better on Paper

    Many small business owners make the mistake of not depositing cash into their business bank accounts before paying themselves or their vendors. Making those deposits is your proof of cash flow if you want to obtain funding. Paying vendors on time and filing taxes before the deadline can help, too!

  • Finally, it’s important to not get discouraged. Small business loans for women may not be the easiest thing to obtain. But, there are plenty of successful female business owners who have never borrowed from a bank. Stay focused on your goals and be open to a variety of lending opportunities. With a little research and a good plan of action, you can get the resources you need to achieve your goals .



    Women – s Leadership Institute for Women – s Leadership #institute #for #women #s #leadership, #glass #ceiling, #glass, #ceiling, #the #glass #ceiling, #lawsuits, #issues, #womens #help, #advancement, #corporate #ladder, #career #growth, #shattering #the #glass #ceiling, #employment, #growth, #womens #leadership, #executive #training, #breaking #through #the #glass #ceiling, #rayona, #iwl, #affirmative #action,womens #affirmative #action, #women #leading #change, #executives #leading #change, #elsc


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    ‘Executives Need to Sponsor, Not Just Mentor Women’

    In the second in our series of guest posts by winners of our 2017 Guys Who Get It Awards. Bill Fitzsimmons of Astellas Pharma, says, When male supervisors want to step up, I tell them they need to know there are differences in how male and female employees act.

    Intelligent, impassioned, thought-provoking, inspiring, down to earth. Those are just a few of the words audiences use to describe Rayona Sharpnack s keynote talks .

    • “If the problems ubiquitous to the human condition have at their roots a need for more communication, collaboration and relationship. why aren’t we utilizing the gifts and skills of more women leaders?”
    • For decades and decades, women were meeting with women to talk about women. Now what we need is men and women together talking about Gender Partnership. That s a huge paradigm shift.
    • Men of quality are never threatened by women s equality. They are our allies. In fact, men have a high justice quotient. They want things to be fair.

    Also available as a CD or MP3-downloadable audio book!

    For details and registration info, follow the links below.

    Women Leading Change . October 25 – 27, 2017 in Los Gatos, CA (SF Bay Area). Our flagship open-enrollment program for women who want to produce unprecedented results quickly and to sustain these changes. This very special offering of Women Leading change includes a day spent with Master Equus Coach Diane Hunter who will enable participants to explore and discover their non-verbal communication and leadership patterns. For more information and t o register.

    ALSO, VENUE AVAILABLE Looking for a top-notch location for an executive retreat (or family reunion)? We recommend this large 5-bedroom home in the luxury Tahoe Keys community at the southern tip of Lake Tahoe, CA. Mountain views, resort indoor outdoor pools, tennis, kayaking, and beach. More information



    1, 000 Microloans for Rural Women in East Africa #get #a #loan #with #bad #credit


    #micro loans
    #

    1,000 Microloans for Rural Women in East Africa

    Challenge

    WMI is tackling global poverty and the disenfranchisement of impoverished, rural women in East Africa. Launched in 2008 in rural Buyobo, Uganda, WMI has provided over 15,000 microloans to chronically poor women in Uganda, Tanzania and Kenya, many supporting AIDS orphans. Borrowers start small businesses and use their profits to pay for school fees, food and healthcare. Communities benefit as borrowers hire helpers and advocate for local improvements.

    Solution

    WMI will-screen, train and issue loans of $50 – $250 to 1,000 more impoverished women to start businesses. WMI will organize borrower meetings, conduct site visits, provide ongoing business education and introduce women to dealing with the local bank.

    Empowering women living in desperate poverty in rural East Africa promotes in-country development from the bottom up. Women become involved in grass roots movements and advocate for far-reaching social and economic changes in their own country. The borrowers priorities for the use of their profits are: better nutrition, healthcare and paying school fees for their children. WMI provides outreach in all of these areas by empowering women with options to provide better care for their families.



    Small Business Loans For Women #loans #for #blacklisted #people


    #small business loans for women
    #

    Business Loans For Women

    Helping Advance Women’s Businesses

    Business-savvy female entrepreneurs are making a tremendous impact on the US economy. Over eight million small businesses in the country are owned by women and, collectively, they generate more than $1.5 trillion in revenue each year. Research indicates a double-digit growth rate of women-owned firms over the last decade, and this growth is expected to continue for many years to come. That’s because more and more women are launching new business ventures that end up being quite successful. If you are a female business owner who needs financing, Balboa Capital can help. We offer several small business loan options for women that are easy to apply for and have a high approval rate.

    A History of Outstanding Service

    Balboa Capital is proud to be a leading provider of small business loans for women. Since our inception in 1988, we’ve worked with female entrepreneurs in a wide variety of industries. They recognize and appreciate our commitment to their success, and you will, too. One of our experienced financing professionals will answer any questions you have about business loans for women so you can select the best program for your individual needs. Following is a list of our women’s business loan products that are available for qualified female entrepreneurs:

    Reasons Women Start Their Own Businesses

    Women make the decision to start their own businesses for a whole host of reasons. Becoming an entrepreneur is challenging and rewarding on both a personal and professional level. Next, many women start their own companies in order to have greater flexibility with their daily lives. Being their own boss enables them to balance the demands of business and family. Lastly, women see entrepreneurship as an opportunity to advance their careers and increase their income.

    Reasons Women Need Business Loans

    Just like their male counterparts, female business owners will take out a business loan at one time or another to invest in new equipment, purchase inventory or pay for daily operational costs. Running a company is a costly endeavor, and not having enough working capital on hand can halt your growth and success.

    The Balboa Capital Advantage



    Military Loans for Men and Women #auto #refinance #loans


    #military personal loans
    #

    Military Loans Offer Help on the Home Front

    It’s difficult to place a dollar value on the work our men and women in uniform do every day defending our country. But one thing has held true from the American Revolution to the present — a military paycheck never goes as far as it should. Fortunately, there are lenders who specialize in helping military families make ends meet.

    Military loans from a qualified lender offer fair rates with no hidden fees, and are available to all service branches and ranks, including Department of Defense (DOD) employees. A military loan is patterned on the time-honored “installment loan” model and offers a responsible alternative to sinking deeper into credit-card debt.

    Legitimate military loans have fixed interest rates and repayment amounts, so you ll know exactly how much your loan will cost and when it will be paid off. A military loan will never require the borrower to put up their vehicle or house as collateral.

    Military loans range from $500 to $10,000 and can be repaid in fixed, manageable monthly payments for up to 36 months. A legitimate provider of military loans will also comply with the 2007 Military Lending Act (MLA), as well as the Federal Deposit Insurance Commission (FDIC) recommended APR cap on personal loans.

    Interest rates for military loans can vary based on the borrower’s credit history, but are typically much lower than the rates incurred on most credit cards. And it’s very rare for any service member to be turned down for a loan based on a poor credit rating.

    As long as the borrower is an active-duty service member with at least 18 months left in their enlistment, a military loan is within reach. Many military loans offer an interest-free loan of $1,000 for three months, or an APR of 9.95 percent for longer-term loans.

    Some common military loans include:

    • Disaster Relief Loan. for helping military personnel to get emergency funds after a natural disaster.
    • Bereavement Loan. which provides financial resources when you’re facing the loss of a loved one or dealing with a family emergency. This kind of loan requires a direct referral from your commander.
    • Home Leave Assistance Loan. designed to help military personnel get home to their families by providing funds for airline tickets, gas money, a hotel, or other necessities.
    • Convalescent Leave Loan  to cover expenses of wounded service members and costs incurred by their families.
    • Help Loan  in the form of a short-term, non-renewable loan designed to meet immediate cash needs. A typical Help Loan would be for $500 (non-renewable, non-rollover), to be repaid in four equal monthly payments (including a small service charge).

    The best providers of military loans understand that members of the Army, Air Force, Marines, Navy and Coast Guard have unique demands placed on their finances, and those factors need to be taken into account when deciding upon an applicant’s credit worthiness. For men and women in the armed forces who would rather not max out their credit cards to pay for travel or other necessities, a military loan can be your best option.



    A Guide to Business Startup Loans for Women. #car #loan #payment


    #business loans for women
    #

    A Guide to Business Startup Loans for Women

    A number of government agencies, non-profits and professional organizations offer business startup loans to women in an attempt to foster good relationships, create jobs and stimulate the economy. To truly understand the requirements of outside organizations, individuals have to acquaint themselves with the types of financing available to new entrepreneurs .

    Offering advice and counseling for free, places like the Small Business Association, or SBA, and the Association of Women’s Business Centers provide training as well as put women into contact with sources of funding for their startups. Despite needing to meet specific criteria, women worldwide can qualify for business grants and unsecured business loans.

    Qualified women can borrow money for their businesses in the following ways:

    Secured Business Loans

    Collateral is put up by the receiver of the loan in an effort to protect the lender’s investment. If the recipient defaults on the loan, the bank can seize the item, commonly real estate, as a form of repayment.

    Unsecured Business Loans

    No prevention measures are taken to protect the lender but the interest rate is higher than a secured loan. This type of funding is given to women with a solid financial background and exemplary credit history.

    Small loans are given to start-up businesses and have a very specific timeframe for repayment. The average loan size is $13,000, but startups can request up to $35,000 from intermediaries that are approved by the SBA.

    Available through local and state programs as well as non-profits, grants must be matched by the entrepreneur or combined with other means of funding like a loan.

    Requirements That Must be Met to Attain a Loan

      Good Personal Credit. Business owners need to know a thing or two about managing money before starting out on a venture of their own. A Solid Business Plan. A roadmap highlighting possible successes and failures, not to mention a clearly stated plan of action, gives investors a way to measure a start-up’s staying power. Work Experience. Past opportunities can help entrepreneurs cultivate the skills needed to be a successful business owner. An Educational Background. Related coursework will strengthen a small business. Proof That the Business Has Longevity. Researching competitors and giving direct examples regarding risks and profits is one way that women can help their chances of being approved for business startup loans.

    Where to Find Additional Information

      The Small Business Association (SBA) has local chapters throughout the United States. Workshops, pamphlets and podcasts make it easy for women to get the information that they need regarding funding for their start-ups. WomenBiz.Gov caters to women who use their businesses to sell to the Federal Government. Easy-to-navigate and full of useful information, start-up businesses stand a better chance of succeeding with federal contracts after visiting the agency’s website.

    Securing finances for their start-ups is one way that women can keep afloat amongst their competition. From unsecured business loans to private grants, funding is available to those entrepreneurs who are willing to ask for it.



    Start-Up Business Loans for Women #cash #call #loans


    #business loans for women
    #

    Start-Up Business Loans for Women

    Other People Are Reading

    SBA Guaranteed Loans

    The US Small Business Administration helps start-up businesses obtain financing from banks and credit unions. The SBA’s Office of Women’s Business Ownership was created to direct women-owned businesses to these sources. Although the SBA does not make loans directly, it provides a government guarantee that reduces risk to the lending institution.

    To obtain an SBA-guaranteed loan for your business, apply to a bank or credit union that has an arrangement with the SBA. The lender gathers information about you and your business that is required for approval by the financial institution and the SBA. A start-up business is required to provide financial projections.

    You must agree to conditions the SBA imposes. Common conditions include periodic submission of financial statements and life insurance on you that repays any remaining loan balance upon your death.

    Small Business Investment Company

    The Small Business Investment Company, SBIC, Program, sponsored by the SBA, provides venture capital arrangements for start-up businesses. There are over 400 privately owned SBICs licensed with the SBA. The SBA does not invest directly in small businesses. Instead, an SBIC invests money it has raised privately and funds borrowed at favorable rates under an SBA program.

    Most SBICs concentrate on businesses at a particular stage of development and focus in a distinctive geographic area. An SBIC may provide capital as an equity investment, loan relationship, or combination of both.

    A start-up business should locate a “Participating Securities SBIC” because these organizations are experienced with early-stage operations. They can provide equity capital as well as debt investment. This structure is advantageous to new businesses that require funding without the burden of current interest payments.

    A “Specialized SBIC” provides lending assistance to specific demographic groups–such as women-owned businesses. The SBA provides a listing of all SBICs.

    State Programs

    Several states have loan programs specifically available to help women start businesses. The interest rates on these loans are usually more favorable than those offered by traditional lenders. In addition, low collateral requirements benefit start-up businesses using borrowed funds for operating capital instead of asset acquisition. After locating a program in your state, an application procedure is provided along with required forms.

    Micro Loans

    Micro loans are small lending arrangements provided by several organizations. Loan amounts range up to $50,000. Women-owned businesses with limited options for start-up capital are the most common beneficiaries of these loans. The lenders obtain funding from private foundations, banking institutions, government agencies and individual donations. A micro loan is specifically designed for a small business. Repayment terms are affordably structured for start-up operations. Application for these loans is routinely conducted online.



    Business Loans for Women – Cisco Systems #text #loans


    #business loans for women
    #

    Business Loans for Women

    amaZulu Wins Cisco Technology Makeover

    See how a special program offering business loans for women helped amaZulu get on track to become a million-dollar operation. (3:08 min)

    Viewing this embedded video requires the latest version of Adobe Flash Player with JavaScript enabled.

    amaZulu Wins Cisco Technology Makeover

    See how a special program offering business loans for women helped amaZulu get on track to become a million-dollar operation. (3:08 min)

    Business Loans for Women Empower New Communities

    Business loans for women available through Make Mine a Million $ Business sponsorship from Cisco.

    The Make Mine a Million $ Business program offers business loans for women with the goal of building a community of one million women-owned businesses earning one million dollars, or more, in annual revenue by 2010.

    Business Loans for Women with Technical and Marketing Support

    Cisco offers networking technology to recipients of the Count Me In organization’s Make Mine a Million $ Business program which offers business loans for women.

    As a technology sponsor of the Make Mine a Million $ Business program, Cisco supports Count Me In business loans for women by donating a Cisco Smart Business Communications System to selected Make Mine a Million $ Business program awardees. Awardees are also eligible to receive:

    • A line of credit exclusively for women in business, courtesy of OPEN from American Express
    • Inspiration, community, coaching, and mentoring from Count Me In, the leading national non-profit provider of online business loans for women
    • Powerful marketing and technical support to help promote and grow a business into a million-dollar enterprise within two years

    Register for Make Mine a Million $ Business * for the Make Mine a Million $ Business program today.

    *This link will take you to a Website outside of Cisco.com.

    Business Loans for Women? Count Cisco In

    In addition to serving as the technology sponsor for the Count Me In organization’s Make Mine a Million $ Business program, Cisco offers comprehensive support for small, businesses everywhere.

    Women in business can benefit from the Cisco Supplier Diversity Business Development (SDBD) program, created to expand the diverse network of Cisco suppliers. The SDBD program provides:

    • How to Do Business with Cisco seminars conducted at Small Business Administration (SBA) centers in California’s Bay Area
    • Facilitation of relationships between suppliers and Cisco representatives who can use their products and services
    • Supplier diversity training throughout Cisco business units on an ongoing basis

    The Cisco Innovators Program offers cutting-edge information that small and medium-sized businesses can use to gain and maintain a competitive advantage. Keep pace with today’s ever-changing business climate with access to:

    • Analyst research
    • Special events and seminars
    • Special discounts on Cisco Certification Training

    Learn More about what Cisco is doing to help Women in Business.



    Business Loans For Women #payday #loan #yes


    #small business loans for women
    #

    Business Loans For Women

    Fast and reliable Small Business Loans For Women for real

    Women who conceptualize new businesses need loans that will allow them to succeed. There are loans for women at nearly all banks, and there are loans that give women a better chance of being approved. There are many instances in which women have a hard time getting approved for traditional business loans, and you need to know the kinds of business loans for women that are out there.

    Getting A Business Loan for Women is easy

    Frequently Asked Questions

    Making Products For Female Business Loans

    Women who are making products for other women need to have loans that allow them to get into production as fast as possible. These loans help to pay for the assembly line, and women can rent the spaces they need to make their products. The women that need new production spaces can get loans for women business owners, and they can use the special parameters of these loans to get the best possible value for their money.

    Get a Business Loan For Women



    Bad Credit Small Business Loans For Women #home #loan #comparison


    #loan for business
    #

    Small Business Loans for Women

    Making a Difference for Women Business Owners

    Shield Funding offers small business loans for women that already own and operate their own business. Our business loans are available in amounts up to $500,000 and do not require collateral. We are very flexible when considering the credit history of an applicant so no matter what your credit score is we can structure a loan that works for you. We have a business loans for women with bad credit option that is great for business owners with poor credit scores. Our company also has a very high approval rate with our women funding programs so if you own a business you have an excellent chance of qualifying. We believe that women are savvy entrepreneurs and deserve the resources to build their business.

    Business Loan Uses

    One of the great advantages to our funding programs is that there are no restrictions on how you disburse the loan we provide for your small business. Many female business owners that we have worked with have utilized the funds to pay off unwanted debt, improve or expand their existing locations, purchase inventory and equipment, or even launch a large marketing campaign. Those are just some of the ideas and obviously there are new opportunities that develop everyday and that is why our business loans can make a big difference in the success of female owned companies.

    Our Mission: Advancing Women in Business Loans

    We understand that for many reasons securing a business loan can be difficult, especially in today s financial climate. Because women have a non-traditional approach to operating their businesses we believe there should be an extra effort focused on fueling their success. This is the reason why we have such a high approval rate for our larger women business loans as well as our small business loans for women program.

    The Advantage of Shield Funding Business Loans

    We specialize in business loans and we avidly support women small business owners. We work with some of the largest lending institutions in the country that provide small business loans specifically for women or women owned businesses. Additionally, we have an A Rating with the BBB because of our trustworthy and successful funding programs.



    Loans and Grants for Women Business Owners #hard #money #loan


    #small business loans for women
    #

    Loans and Grants for Women Business Owners

    You are a woman business owner and there are many things for you to focus on — especially how to find money for your business so it can grow and thrive. There are funding sources out there specifically target women entrepreneurs. Learn about these options to see where to go for loans, scholarships, and other sources of funding.

    WomanOwned Grant Database and Membership

    (http://www.womanowned.com/features/grants-and-funding.aspx ) Members can access thousands of business grants and state programs for business growth and development. Search by state and keyword and view all the details required for successful application.

    SCAMS

    Federal Trade Commission (www.ftc.gov ) this is the federal government’s complaint department. If you have been “taken” by a scam or suspect a scam, let this department know and they will investigate. Check here for other investigations that have led to scams and learn how to avoid them (link to Consumer Protection and follow to Internet E-Commerce). National Fraud Information Center (www.fraud.org ) a division of the non-profit National Consumers League, this site is dedicated to educating consumers about scams and how to avoid them. Check out the Internet Fraud Daily Report with up to the minute on-line scams. North American Securities Administrators Association (www.nasaa.org ) any individual or organization who wishes to protect themselves from securities fraud will find the information on this site useful. Entrepreneurs will find valuable information on franchising and raising capital in the “Help for small business” section. ScamBusters (www.scambusters.org ) keeps you posted on what to watch out for. This site has earned the Forbes “Best of the Web” designation and has also appeared in the print version of Forbes’ Best of the Web. U.S. Department of Justice (http://www.usdoj.gov/criminal/cybercrime/index.html ) Federal Bureau of Investigation (www.fbi.gov ) How To Avoid Internet Investment Scams (http://www.sec.gov/consumer/cyberfr.htm ) – an article by the U.S. Securities and Exchange Commission. well worth checking out. National Financial Fraud Exchange The National Financial Fraud Exchange can be reached by telephone at (800) 822-0416.



    Alternatives to Small Business Loans for Women – Small Business Blog #easy #loans #for #bad #credit


    #small business loans for women
    #

    Alternatives to Small Business Loans for Women

    According to a recent study from the Small Business Administration, small business loans for women are harder to come by than those for male business owners even when controlling for factors like industry and credit score.

    Many female business owners are well aware of the challenges of obtaining loans and choose to rely less on outside capital than do men. Because of the difficulties of obtaining business loans for women, female operated businesses often have less working capital and tighter budgets. Women are also more likely to utilize non-traditional forms of lending such as peer-to-peer financing or alternative business loan providers such as Kabbage .

    According to the SBA, the “level of startup capital is a strong predictor of business success.” Having access to capital is essential for women to have the same opportunities as men to achieve success.

    When looking at the statistics on women-owned businesses published by the Association of Women’s Business Centers. it’s clear that small business loans for women are essential to helping fuel the overall economy.

    • Women owned businesses account for more than 40% of all privately held firms
    • One in five firms with revenue of $1 million or more is woman-owned
    • 10.1 million firms are owned by women, employing more than 13 million people and generating more than $2 trillion in sales each year.

    While small business loans for women may be limited, there are plenty of other ways to obtain working capital. If you’re a woman who is launching a new business or who needs funds to grow an existing business, the following strategies can help:

    1. Find Out Your Options

    There are plenty of alternatives to traditional bank loans. It can often make financial sense to consider lines of credit, SBA microloans. and credit cards depending on your particular situation. Cash advances can often be a good choice if you need a quick source of funds to purchase inventory or to hire help during a busy season.

  • Build Your Business Credit
    Even with a good personal credit score, it can be hard to obtain business loans for women.  Establishing credit for your business is always a good idea even if you choose not to work with banks. Your good business credit can be beneficial for obtaining desirable terms with vendors and for getting lower interest rates on business credit cards .
  • Make Your Business Plan a Dynamic Document
    Your business plan shouldn’t be just pre-launch homework that you tuck into a desk drawer. It should be your blueprint for the growth of your business. By keeping current with your financial projections, marketing, and development efforts, you will always have the backup to show potential lenders what you’re doing now and where you’re headed in the future.
  • Look Better on Paper

    Many small business owners make the mistake of not depositing cash into their business bank accounts before paying themselves or their vendors. Making those deposits is your proof of cash flow if you want to obtain funding. Paying vendors on time and filing taxes before the deadline can help, too!

  • Finally, it’s important to not get discouraged. Small business loans for women may not be the easiest thing to obtain. But, there are plenty of successful female business owners who have never borrowed from a bank. Stay focused on your goals and be open to a variety of lending opportunities. With a little research and a good plan of action, you can get the resources you need to achieve your goals .



    Start-Up Business Loans for Women #online #personal #loans


    #business loans for women
    #

    Start-Up Business Loans for Women

    Other People Are Reading

    SBA Guaranteed Loans

    The US Small Business Administration helps start-up businesses obtain financing from banks and credit unions. The SBA’s Office of Women’s Business Ownership was created to direct women-owned businesses to these sources. Although the SBA does not make loans directly, it provides a government guarantee that reduces risk to the lending institution.

    To obtain an SBA-guaranteed loan for your business, apply to a bank or credit union that has an arrangement with the SBA. The lender gathers information about you and your business that is required for approval by the financial institution and the SBA. A start-up business is required to provide financial projections.

    You must agree to conditions the SBA imposes. Common conditions include periodic submission of financial statements and life insurance on you that repays any remaining loan balance upon your death.

    Small Business Investment Company

    The Small Business Investment Company, SBIC, Program, sponsored by the SBA, provides venture capital arrangements for start-up businesses. There are over 400 privately owned SBICs licensed with the SBA. The SBA does not invest directly in small businesses. Instead, an SBIC invests money it has raised privately and funds borrowed at favorable rates under an SBA program.

    Most SBICs concentrate on businesses at a particular stage of development and focus in a distinctive geographic area. An SBIC may provide capital as an equity investment, loan relationship, or combination of both.

    A start-up business should locate a “Participating Securities SBIC” because these organizations are experienced with early-stage operations. They can provide equity capital as well as debt investment. This structure is advantageous to new businesses that require funding without the burden of current interest payments.

    A “Specialized SBIC” provides lending assistance to specific demographic groups–such as women-owned businesses. The SBA provides a listing of all SBICs.

    State Programs

    Several states have loan programs specifically available to help women start businesses. The interest rates on these loans are usually more favorable than those offered by traditional lenders. In addition, low collateral requirements benefit start-up businesses using borrowed funds for operating capital instead of asset acquisition. After locating a program in your state, an application procedure is provided along with required forms.

    Micro Loans

    Micro loans are small lending arrangements provided by several organizations. Loan amounts range up to $50,000. Women-owned businesses with limited options for start-up capital are the most common beneficiaries of these loans. The lenders obtain funding from private foundations, banking institutions, government agencies and individual donations. A micro loan is specifically designed for a small business. Repayment terms are affordably structured for start-up operations. Application for these loans is routinely conducted online.



    Small Business Loans for Women #loans #with #bad #credit


    #small business loans for women
    #

    Small Business Loans for Women

    Leading a New Age

    In today’s changing economy, women are making a name for themselves as entrepreneurs, thanks to small business loans for women. However, the dream to own a business is just the beginning. Small businesses for women is a rapidly growing segment of the economy with increased competition. Being successful requires patience, dedication and hard work, but most importantly, the financial reserves to set the wheels in motion.

    By the Numbers

    According to the National Women’s Business Council (NWBC), there were 7.8 million businesses owned by women in America in 2007. Of these, about 11.7% employ full-time workers, generating average annual receipts of over $1 million. The total revenue generated by all the women-owned businesses across the country (not considering farm-based business) has increased to $1.2 trillion. Women-owned businesses make up about 52% of all the businesses in the social and healthcare assistance arena.

    Why Business Loans are Important

    Starting a business requires balancing your family and/or personal budget with a new, often larger budget for your business. Procuring a small business loan is pivotal to most businesses’ success. The Small Business Administration (SBA) helps people gather the resources necessary, and guides you through the completion of the loan application. Credit unions, banks, and other legitimate lenders back the loans.

    Applying for the Loan

    The SBA has designated different loan programs specifically for women. The Office of Women’s Business Owners (OWBO) sets out rules that are mostly the same for every loan or grant: you’ll need a good business credit report (with any of the three business reporting agencies) and a solid business plan that instills confidence in the lender. But what is life without a little risk? Some of the best companies in the world were started on shaky ground, right? True, but it’s also true that a low-risk business venture has a better chance of obtaining a coveted small business loan.

    Looking for Advice

    In order to help women, various organizations operate day and night, with the sole purpose of helping them realize their dreams and ambitions. Moreover, these organizations provide complete information regarding various loan programs, and how to apply for them:

    Any business venture requires you to be well informed about the competition, such as the number of similar ventures established, their success-to-failure ratio, and so on. The way to convince lenders who provide small business loans for women is by showing them that you possess the drive to overcome adversity. Having that fighting spirit matters.

    You just learned about: Small Business Loans for Women Help Level the Playing Field

    For more information, check out this related resource: Funding a Business



    Small Business Loan Tips for Women #best #payday #loans


    #small business loans for women
    #

    How to Get a Small Business Loan: Tips for Female Entrepreneurs

    Having your finances in order and knowing exactly how much money you need are two important factors in securing a business loan. / Credit: Authorized loan image via Shutterstock

    It s no secret that securing a small business loan is an uphill battle. Of all the businesses that apply, only a few ever receive the money they need from banks and small business lenders, leaving the rest of them to find alternative sources of capital.

    For female entrepreneurs in the still male-dominated business world, getting a loan can be even more difficult. A recent study by the California Reinvestment Coalition found that small business loans given to female-owned businesses in California have dropped 70 percent since 2007, and it s likely that other states have also seen a drop in small business lending to women. Even if a female business owner is financially secure, it s more than likely that she ll be turned away.

    We tried to get a loan from a few different banks that advertised wanting to help small businesses, said Hannah Lavon, co-founder of Hooray Hoopla, parent company of accessories retailer, Vs. Stuff. But we were turned away because they said we had to be in business for at least five years, even after showing our finances. [How to Apply for a Small Business Loan]

    BusinessNewsDaily spoke with several financial professionals and female entrepreneurs, who provided the following tips for women-owned small businesses looking to secure a loan:

    Build relationships in your business community

    Small business lenders want to know that the companies they re investing in are headed for success. That s why it s so important to establish yourself within your local business community before you try to apply for a loan.

    It is essential for female business owners to build relationships in their business communities, said Anne Hopkinson, owner of Haydenville Broomworks. Part of being a trusted small business is building these relationships, and this can take time.

    To get started, Hopkinson recommended looking for small business support groups in your area, such as university mentorship programs or small business development centers. Many advisers at these organizations work with lenders, and their professional relationships can benefit you in the loan application process.

    Suzie Ford, co-founder of NoDa Brewing Company. stressed the importance of working closely with small business professionals in your community, such as CPAs and financial lenders.

    There is so much information available online, but that can sometimes become overwhelming, she said. Seek out trusted and experienced advisers from the beginning, and surround yourself with a great team.

    Have your financial information organized

    Nothing will get your loan application denied faster than having your finances in disarray. Monica Guevara, manager of lending services at Business Outreach Center Network. reminded applicants that lenders need to verify all the information you give via documentation, so having the necessary statements and reports organized and ready for review will demonstrate that you ve done your homework.

    Make sure you re paying your bills on time, reporting all your income, and able to explain how you will use the loan, Guevara said.

    Lenders also generally require that recipients have some sort of collateral to put down on their loan, so be sure you have some money put away before you apply.

    Explore your lender options

    As with any other major financial decision, it s always a good idea to explore all options before deciding on a final choice. Greg Simmons, PNC Bank s southeast SBA sales manager, said that business owners should spend time shopping around for the lender that suits their needs.

    Even though a loan request may be eligible, not all banks have the same appetite for industries, projects or rates, he told BusinessNewsDaily. Consider the costs of a full relationship, not simply the rate of the loan.

    While chain banks are certainly a good place to start your loan research, independent lenders are another option to keep in mind.

    Authorized small business lenders can be much more personal, and therefore more likely to give you the money, Lavon said.

    Seek out women-specific lending programs

    No matter where they apply for a loan, female entrepreneurs face a lot of competition. However, some lenders have implemented loan programs dedicated to women-owned businesses to make it a little easier for these business owners to receive funding.

    We ve historically seen women underrepresented with co-ed funds, and the emergence of funds that are earmarked specifically for women is a new and exciting trend, said Marina Lee, founder of Women In Tech Network and Startups Edge.

    Lee suggested applying for general loans and women-centric programs simultaneously to increase your chances of receiving the money.

    Know what you need and prove you ll use it well

    Being able to explain to a lender the exact proposed amount and purpose of your loan is perhaps the most important factor in getting approved, next to proving financially stability. Vague loan requests often make a lender wary, so being prepared with specific information can only help you in the loan application process.

    The business owner should understand not only how much funds are needed, and for what, but that the funds are very likely to produce results based on their knowledge and experience, Guevara said.

    Be prepared with full financial information and current debt service for your business, Simmons added. Know specifically what your request is for and what benefit it will bring your company.

    Originally published on BusinessNewsDaily .

    Nicole Fallon

    Nicole Fallon received her Bachelor s degree in Media, Culture and Communication from New York University. She began freelancing for Business News Daily in 2010 and joined the team as a staff writer three years later. She currently serves as the assistant editor. Reach her by email. or follow her on Twitter .



    Loans for Minority Business Women and Entrepreneurs #ez #loan


    #business loans for women
    #

    Small Business Loans for Minority Women Entrepreneurs

    Loans for minority business women and entrepreneurs may seem non-existent to some, but if you know where to go and who to talk to you will find that they are out there.

    Women who are minority entrepreneurs are often at a disadvantage when it comes to having the necessary resources to start and grow a successful business. So it’s no surprise to me when I hear them say small business loans for women just don’t sound realistic. In fact, the lack of resources for women who are minority entrepreneurs was recently discussed in an article written by the multi-million dollar heiress of the Washington Post, Katherine Weymouth.

    The Disadvantage

    In the article, Katherine discusses the plight of minority women entrepreneurs by using Facebook Chief Operating Officer, Sheryl Sandberg’s new book, “Lean In ,” as a reference. In the book ‘Lean In,” Sheryl says she is writing the book for any woman who wants to take her career to the next level.

    However, most of the women who will be able to relate to what she says are women who have a choice on when and how much to work a choice that most minority women entrepreneurs do not have. Most of the information is for women who have the financial resources and support to take them to the next level in their careers.

    Katherine posed a question regarding Sheryl’s book and that question is: How do you lean in, when you don’t have someone to lean on?

    Build Your Own Network

    The fact of the matter is minority women entrepreneurs are going to have to build their own network of resources to “lean on, especially if they want to obtain a small business loan.

    Small business loans for women are offered through many SBA microloan programs. SBA microloans are mainly offered by local community based, nonprofit micro-lending organizations that provide up to $50,000 to entrepreneurs in disadvantaged communities. Minority women are often considered disadvantaged because they simply don’t have access to the financial resources and support needed to start and build successful businesses.

    If you’re a minority woman entrepreneur and you’re in need of small business loan for women, you should definitely consider applying for an SBA microloan. An SBA microloan may be just what you need to get your business off the ground and take you career to the next level.

    The Statistics

    Consider these statistics  (PDF), complied by Opportunity Fund and the Accion U.S. Network, a microloan lender who provides small business loans for women, when deciding whether or not an SBA microloan may be right for you:

    • 97% of the entrepreneurs who received microloans, were still operating their business two years later as a result of obtaining the funding. 54% of the entrepreneurs who received microloans, were able to hire an average of 5.6 employees as result of obtaining the funding. 32% of the entrepreneurs who received microloans, said their revenues increased as a result of obtaining the funding and 41% said the increase in revenue met or exceeded their expectations.

    With statistics like that, it sure seems that a microloan is worth considering if you are looking to grow your business.

    If you’re looking for loans for minority business women, then a microloan can definitely be a step in the right direction. Check with your local SBA district office to find a microloan lender in your area and you may be glad you did.



    How to Get Business Loans for Women #online #loans #for #bad #credit


    #small business loans for women
    #

    How to Get Business Loans for Women

    Women are said to start businesses at twice the rate of men. However, women may find it difficult at first to gain access to business loans. For women, the keys to accessing capital may include looking for loan programs with more flexible terms and that participate in mentor programs.

    Other People Are Reading

    Know that the U.S. Small Business Administration considers its 7(a) Loan Guaranty Program to be one of its primary lending sources. The SBA does not provide money for direct lending or for grants. However, the 7(a) program is made available through banks that provide loans which are guaranteed by the SBA. Small businesses unable to get financing on reasonable terms may be able to secure a loan through the 7(a) program.

    Consider applying for an SBAExpress loan if you’re seeking a small business loan for $350,000 or less. These loans are backed by an SBA guarantee of 50 percent. According to the SBA, this method makes it easier and faster for lenders to provide loans, with the SBA typically providing a loan guarantee to the lender within 36 hours of a request.

    Understand that qualifying standards for SBA-backed loans can be more flexible, but lenders will ask for more specific information before deciding to use an SBA loan program. Such information includes a business profile that describes the business and its annual sales, and a description of collateral available to secure the loan.

    Seek training and counseling services through the Women’s Business Centers. The SBA says the centers are designed to help women start and run businesses despite social or financial disadvantages or business experience.

    Be aware that SCORE, a nonprofit association, also offers free small business advice to entrepreneurs. According to SCORE, it has 10,500 volunteer counselors who have more than 600 business skills. SCORE calls itself a resource partner with the SBA. It’s online help includes instructions on assembling a loan package and writing a business plan for a loan.

    Know that SCORE recommends contacting your local, county and state development departments because they may offer funding to businesses in certain areas. SCORE recommends contacting the banks in your area as well. According to SCORE, smaller community banks cater to helping small businesses.



    Alternatives to Small Business Loans for Women – Small Business Blog #debt #consolidation #loans


    #small business loans for women
    #

    Alternatives to Small Business Loans for Women

    According to a recent study from the Small Business Administration, small business loans for women are harder to come by than those for male business owners even when controlling for factors like industry and credit score.

    Many female business owners are well aware of the challenges of obtaining loans and choose to rely less on outside capital than do men. Because of the difficulties of obtaining business loans for women, female operated businesses often have less working capital and tighter budgets. Women are also more likely to utilize non-traditional forms of lending such as peer-to-peer financing or alternative business loan providers such as Kabbage .

    According to the SBA, the “level of startup capital is a strong predictor of business success.” Having access to capital is essential for women to have the same opportunities as men to achieve success.

    When looking at the statistics on women-owned businesses published by the Association of Women’s Business Centers. it’s clear that small business loans for women are essential to helping fuel the overall economy.

    • Women owned businesses account for more than 40% of all privately held firms
    • One in five firms with revenue of $1 million or more is woman-owned
    • 10.1 million firms are owned by women, employing more than 13 million people and generating more than $2 trillion in sales each year.

    While small business loans for women may be limited, there are plenty of other ways to obtain working capital. If you’re a woman who is launching a new business or who needs funds to grow an existing business, the following strategies can help:

    1. Find Out Your Options

    There are plenty of alternatives to traditional bank loans. It can often make financial sense to consider lines of credit, SBA microloans. and credit cards depending on your particular situation. Cash advances can often be a good choice if you need a quick source of funds to purchase inventory or to hire help during a busy season.

  • Build Your Business Credit
    Even with a good personal credit score, it can be hard to obtain business loans for women.  Establishing credit for your business is always a good idea even if you choose not to work with banks. Your good business credit can be beneficial for obtaining desirable terms with vendors and for getting lower interest rates on business credit cards .
  • Make Your Business Plan a Dynamic Document
    Your business plan shouldn’t be just pre-launch homework that you tuck into a desk drawer. It should be your blueprint for the growth of your business. By keeping current with your financial projections, marketing, and development efforts, you will always have the backup to show potential lenders what you’re doing now and where you’re headed in the future.
  • Look Better on Paper

    Many small business owners make the mistake of not depositing cash into their business bank accounts before paying themselves or their vendors. Making those deposits is your proof of cash flow if you want to obtain funding. Paying vendors on time and filing taxes before the deadline can help, too!

  • Finally, it’s important to not get discouraged. Small business loans for women may not be the easiest thing to obtain. But, there are plenty of successful female business owners who have never borrowed from a bank. Stay focused on your goals and be open to a variety of lending opportunities. With a little research and a good plan of action, you can get the resources you need to achieve your goals .



    A Guide to Business Startup Loans for Women. #low #interest #student #loans


    #business loans for women
    #

    A Guide to Business Startup Loans for Women

    A number of government agencies, non-profits and professional organizations offer business startup loans to women in an attempt to foster good relationships, create jobs and stimulate the economy. To truly understand the requirements of outside organizations, individuals have to acquaint themselves with the types of financing available to new entrepreneurs .

    Offering advice and counseling for free, places like the Small Business Association, or SBA, and the Association of Women’s Business Centers provide training as well as put women into contact with sources of funding for their startups. Despite needing to meet specific criteria, women worldwide can qualify for business grants and unsecured business loans.

    Qualified women can borrow money for their businesses in the following ways:

    Secured Business Loans

    Collateral is put up by the receiver of the loan in an effort to protect the lender’s investment. If the recipient defaults on the loan, the bank can seize the item, commonly real estate, as a form of repayment.

    Unsecured Business Loans

    No prevention measures are taken to protect the lender but the interest rate is higher than a secured loan. This type of funding is given to women with a solid financial background and exemplary credit history.

    Small loans are given to start-up businesses and have a very specific timeframe for repayment. The average loan size is $13,000, but startups can request up to $35,000 from intermediaries that are approved by the SBA.

    Available through local and state programs as well as non-profits, grants must be matched by the entrepreneur or combined with other means of funding like a loan.

    Requirements That Must be Met to Attain a Loan

      Good Personal Credit. Business owners need to know a thing or two about managing money before starting out on a venture of their own. A Solid Business Plan. A roadmap highlighting possible successes and failures, not to mention a clearly stated plan of action, gives investors a way to measure a start-up’s staying power. Work Experience. Past opportunities can help entrepreneurs cultivate the skills needed to be a successful business owner. An Educational Background. Related coursework will strengthen a small business. Proof That the Business Has Longevity. Researching competitors and giving direct examples regarding risks and profits is one way that women can help their chances of being approved for business startup loans.

    Where to Find Additional Information

      The Small Business Association (SBA) has local chapters throughout the United States. Workshops, pamphlets and podcasts make it easy for women to get the information that they need regarding funding for their start-ups. WomenBiz.Gov caters to women who use their businesses to sell to the Federal Government. Easy-to-navigate and full of useful information, start-up businesses stand a better chance of succeeding with federal contracts after visiting the agency’s website.

    Securing finances for their start-ups is one way that women can keep afloat amongst their competition. From unsecured business loans to private grants, funding is available to those entrepreneurs who are willing to ask for it.



    Small Business Loans For Women #apply #for #personal #loan


    #small business loans for women
    #

    Apply Now

    Small Business Loans for Women

    For female entrepreneurs, it may be difficult to secure financing for a startup small business. Historically, women have experienced challenges in their efforts to develop their ideas and establish small businesses of their own. Although women possess many unique ideas and concepts, their inability to obtain funding leads them to failure. Merchant Advisors provides financial support to female entrepreneurs when other alternatives may not be readily available.

    For females seeking funding for their small businesses, Merchant Advisors will evaluate your financial situation, offering you affordable choices to make your dreams a reality. These financing options enable women to pursue their dreams of owning and operating a small business without the hassle of high-interest loans or other cash advance options. By evaluating all applicants, regardless of their credit histories, females will obtain financial security at affordable rates.

    Another advantage that Merchant Advisors offers is less paperwork, as female applicants will not be required to provide many of the forms that are typically required to verify personal financial information, including tax forms and other related documents. We have been successful in easing the financial burden associated with business loans, and therefore, female applicants may witness their dreams come true.

    With our wide range of funding programs we’re able to customize a plan that gets you the funding you need, when you need it, and at affordable rates. We can free up your working capital by factoring outstanding invoices, by purchasing some of your future credit card receipts at a discount, or by creating a customized business loan or business line of credit solution. You also don’t need a perfect credit score or collateral to get your loan approved

    For female entrepreneurs, Merchant Advisors is a positive step towards financial security and small business success, as the organization recognizes the value and intelligence of women and their role in today’s economy. As a result, the business represents females and their financial needs in a positive light, and this encourages even more women to aspire and to achieve their small business goals. Since these loans are affordable, women are able to pursue excellence without the weight of high-interest payments, penalties for early repayment, and excessive fees. Women possess a strong advantage with Merchant Advisors, offering them a top choice for a good value.



    How to Get Business Loans for Women #cheap #loans #for #bad #credit


    #small business loans for women
    #

    How to Get Business Loans for Women

    Women are said to start businesses at twice the rate of men. However, women may find it difficult at first to gain access to business loans. For women, the keys to accessing capital may include looking for loan programs with more flexible terms and that participate in mentor programs.

    Other People Are Reading

    Know that the U.S. Small Business Administration considers its 7(a) Loan Guaranty Program to be one of its primary lending sources. The SBA does not provide money for direct lending or for grants. However, the 7(a) program is made available through banks that provide loans which are guaranteed by the SBA. Small businesses unable to get financing on reasonable terms may be able to secure a loan through the 7(a) program.

    Consider applying for an SBAExpress loan if you’re seeking a small business loan for $350,000 or less. These loans are backed by an SBA guarantee of 50 percent. According to the SBA, this method makes it easier and faster for lenders to provide loans, with the SBA typically providing a loan guarantee to the lender within 36 hours of a request.

    Understand that qualifying standards for SBA-backed loans can be more flexible, but lenders will ask for more specific information before deciding to use an SBA loan program. Such information includes a business profile that describes the business and its annual sales, and a description of collateral available to secure the loan.

    Seek training and counseling services through the Women’s Business Centers. The SBA says the centers are designed to help women start and run businesses despite social or financial disadvantages or business experience.

    Be aware that SCORE, a nonprofit association, also offers free small business advice to entrepreneurs. According to SCORE, it has 10,500 volunteer counselors who have more than 600 business skills. SCORE calls itself a resource partner with the SBA. It’s online help includes instructions on assembling a loan package and writing a business plan for a loan.

    Know that SCORE recommends contacting your local, county and state development departments because they may offer funding to businesses in certain areas. SCORE recommends contacting the banks in your area as well. According to SCORE, smaller community banks cater to helping small businesses.



    Government Small Business Loans for Women – Business Grants for single mothers #perkins #student #loan


    #business loans for women
    #

    Government Small Business Loans for Women Business Grants for single mothers – By OBS LLC

    Government Small Business Loans for Women Business Grants for single mothers

    Government Small Business Loans for Women

    Today, huge numbers of women are embarking their footsteps into the business world with great success rate. Recent reports have unleashed the fact that women entrepreneurs are able to make the most of small business opportunities and hence the need for government small business loan for women. It’s believed that most women have a unique and refreshing approach towards business opportunities in comparison to their male counterparts. That being said, majority of the women entrepreneurs out there are forced to shut down their business plans due to insufficient financial backing. Fortunately, the government has realized this issue and has started providing business loans to skilful women entrepreneurs. Government small business loans for women have been hugely instrumental in helping truckloads of women out there realize their business dreams. Let’s have an in-depth look at the various government loans that are packaged for small scale businesswomen and the available business grants for single mothers.

    U.S Small Business Administration

    The U.S Small Business Administration (SBA) provides business loans to hundreds and thousands of women entrepreneurs who are unable to avail loan from any other financial source. Eligible applicants can walk home with amount worth up to $150,000. Although the SBA awards loan to veteran, minority group and women entrepreneurs, it gives preference to women belonging to low earning families.

    Minority Business Development Agency

    Another popular source of government small business loans for women comes through Minority Business Development Agency (MBDA). Over here, the government funds the entire loan amount. The idea behind the grant is to help women entrepreneurs with essential resources required for a small business setup. Although MBDA does not offer direct cash assistance, it makes use of its resources to seek funds from other reliable sources.

    Women’s Business Grants

    Women’s Business Grants provides business loans to women entrepreneurs to support their existing and new businesses. As such, Women’s Business Grants runs two separate programs-New Business Grant and Existing Business Grant. Loan worth $100 to $5000 is sanctioned under the New Business Grant plan, and loan worth $1000 to $5000 is sanctioned under the Existing Business Grant plan. To qualify for Women’s Business Grant, an individual is expected to provide complete details of assets and corpus of business to the government body. The government authorities will then verify the required documents and other essentials before approving the loan.

    Government small business loans for women are sanctioned on certain grounds. In most cases, women entrepreneurs setting up a small business unit are offered business loans only if the business firm used as a guarantee is run by a group of women or has at least 50% women ownership. Also, the business unit has to be managed and regulated by women only. Most of these stringent requirements are in place to avoid misuse of the government funds. After all, the idea behind these programs is to help women entrepreneurs realize their business goals. The government takes pride in the fact that their assistance can go a long way in helping women entrepreneurs make their mark in the male dominated business arena. At the end of the day, the government needs an economy that offers favorable growth opportunities for men as well as women. For the overall development of the country, women can’t be left alone and hence the need for business grants for single mothers and Government small business loans for women.



    Business Loans For Women #calculate #interest #on #loan


    #small business loans for women
    #

    Business Loans For Women

    Fast and reliable Small Business Loans For Women for real

    Women who conceptualize new businesses need loans that will allow them to succeed. There are loans for women at nearly all banks, and there are loans that give women a better chance of being approved. There are many instances in which women have a hard time getting approved for traditional business loans, and you need to know the kinds of business loans for women that are out there.

    Getting A Business Loan for Women is easy

    Frequently Asked Questions

    Making Products For Female Business Loans

    Women who are making products for other women need to have loans that allow them to get into production as fast as possible. These loans help to pay for the assembly line, and women can rent the spaces they need to make their products. The women that need new production spaces can get loans for women business owners, and they can use the special parameters of these loans to get the best possible value for their money.

    Get a Business Loan For Women



    Alternatives to Small Business Loans for Women – Small Business Blog #apply #for #personal #loan


    #small business loans for women
    #

    Alternatives to Small Business Loans for Women

    According to a recent study from the Small Business Administration, small business loans for women are harder to come by than those for male business owners even when controlling for factors like industry and credit score.

    Many female business owners are well aware of the challenges of obtaining loans and choose to rely less on outside capital than do men. Because of the difficulties of obtaining business loans for women, female operated businesses often have less working capital and tighter budgets. Women are also more likely to utilize non-traditional forms of lending such as peer-to-peer financing or alternative business loan providers such as Kabbage .

    According to the SBA, the “level of startup capital is a strong predictor of business success.” Having access to capital is essential for women to have the same opportunities as men to achieve success.

    When looking at the statistics on women-owned businesses published by the Association of Women’s Business Centers. it’s clear that small business loans for women are essential to helping fuel the overall economy.

    • Women owned businesses account for more than 40% of all privately held firms
    • One in five firms with revenue of $1 million or more is woman-owned
    • 10.1 million firms are owned by women, employing more than 13 million people and generating more than $2 trillion in sales each year.

    While small business loans for women may be limited, there are plenty of other ways to obtain working capital. If you’re a woman who is launching a new business or who needs funds to grow an existing business, the following strategies can help:

    1. Find Out Your Options

    There are plenty of alternatives to traditional bank loans. It can often make financial sense to consider lines of credit, SBA microloans. and credit cards depending on your particular situation. Cash advances can often be a good choice if you need a quick source of funds to purchase inventory or to hire help during a busy season.

  • Build Your Business Credit
    Even with a good personal credit score, it can be hard to obtain business loans for women.  Establishing credit for your business is always a good idea even if you choose not to work with banks. Your good business credit can be beneficial for obtaining desirable terms with vendors and for getting lower interest rates on business credit cards .
  • Make Your Business Plan a Dynamic Document
    Your business plan shouldn’t be just pre-launch homework that you tuck into a desk drawer. It should be your blueprint for the growth of your business. By keeping current with your financial projections, marketing, and development efforts, you will always have the backup to show potential lenders what you’re doing now and where you’re headed in the future.
  • Look Better on Paper

    Many small business owners make the mistake of not depositing cash into their business bank accounts before paying themselves or their vendors. Making those deposits is your proof of cash flow if you want to obtain funding. Paying vendors on time and filing taxes before the deadline can help, too!

  • Finally, it’s important to not get discouraged. Small business loans for women may not be the easiest thing to obtain. But, there are plenty of successful female business owners who have never borrowed from a bank. Stay focused on your goals and be open to a variety of lending opportunities. With a little research and a good plan of action, you can get the resources you need to achieve your goals .



    1, 000 Microloans for Rural Women in East Africa #payday #loan #today


    #micro loans
    #

    1,000 Microloans for Rural Women in East Africa

    Challenge

    WMI is tackling global poverty and the disenfranchisement of impoverished, rural women in East Africa. Launched in 2008 in rural Buyobo, Uganda, WMI has provided over 15,000 microloans to chronically poor women in Uganda, Tanzania and Kenya, many supporting AIDS orphans. Borrowers start small businesses and use their profits to pay for school fees, food and healthcare. Communities benefit as borrowers hire helpers and advocate for local improvements.

    Solution

    WMI will-screen, train and issue loans of $50 – $250 to 1,000 more impoverished women to start businesses. WMI will organize borrower meetings, conduct site visits, provide ongoing business education and introduce women to dealing with the local bank.

    Empowering women living in desperate poverty in rural East Africa promotes in-country development from the bottom up. Women become involved in grass roots movements and advocate for far-reaching social and economic changes in their own country. The borrowers priorities for the use of their profits are: better nutrition, healthcare and paying school fees for their children. WMI provides outreach in all of these areas by empowering women with options to provide better care for their families.