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Recent News and Articles on the Keywords: business loans + business + loans  Related to the article below (Last Update: 8/5/2008)

How to Apply for an SBA Loan
New York Times, United States -
By law, the SBA may not guarantee a loan if a business can obtain funds on reasonable terms from a bank or other private source. A borrower therefore must ...
Cardinal Bank and the US Small Business Administration Participate ... WELT ONLINE
SBA Launches Electronic Disaster Loan Application MarketWatch
Know Where to Look for Small Biz Funding TheStreet.com
WNWO
all 21 news articles »  CFNL

Best Syndication
Loan for business: The life line of growth
Best Syndication, CA -
Summary: Several Indian banks offer loan for business to cater to business requirements. With the growth of business activities Indian banks have laid out a ...
Same Day Cash Advance Loans: Instant Financial Loans for your Benefit Best Syndication
all 2 news articles »
Federal Home Loan Bank of Seattle Declares Second Quarter 2008 ...
MarketWatch -
SEATTLE, Aug 04, 2008 (BUSINESS WIRE) -- The Board of Directors of the Federal Home Loan Bank of Seattle (Seattle Bank) has declared cash dividends on both ...
Plaza Bank Reports Results for the Quarter Ended June 30, 2008 Business Wire (press release)
all 11 news articles »
Shuffle Master, Inc. Announces Increased Commitments under its New ...
MarketWatch -
... 2008 (BUSINESS WIRE) -- Shuffle Master, Inc. (NASDAQ Global Select Market: SHFL) today announced that it has obtained additional term loan commitments ...SHFL - DB - WB
Gain Insight Into How Innovations in the Unsecured Loan Market ...
MarketWatch - 32 minutes ago
DUBLIN, Ireland, Aug 05, 2008 (BUSINESS WIRE) -- Research and Markets ( http://www.researchandmarkets.com/research/ca25ff/personal_lending_i) has announced ...
Advisers see opportunity in private loans, mortgages
InvestmentNews, NY -
"Credit is tight, and it will get tighter ? that's why [helping clients by lending money for mortgages and other business loans] is a huge opportunity for ...
Spherics goes out of business
Boston Globe, United States -
Spherics Inc., a Mansfield biotech company that received a state-funded loan to move to the Massachusetts three years ago, has shut down. ...
CFNB Announces 29% Drop in Fiscal 2008 Earnings to $7.0 Million
FOXBusiness -
... lease financing and commercial loans to businesses and organizations, as well as business loans to fund the purchase of assets leased by third parties. ...
Marlin Business Services Corp. Reports Second Quarter 2008 Net ... MarketWatch
all 17 news articles »  CFNB - MRLN - OTC:CMTX
We already have a proven business model for home loans ? support it
Financial Times, UK -
Sir, As one who recalls saving at a building society to qualify for a modest floating-rate mortgage (the only one available) and then seeing the interest ...
ECDC launches business loan products to support viable projects ...
The Herald Eastern Cape, South Africa -
... is the range of short- term business finance products offering finance from R1000 to R500000 and comprises the Imbewu microloan, Powerplus small loan, ...
Source: Google News

Bank Risk Rating of Business Loans -
WB English, WR Nelson - Finance and Economics Discussion Series, Board of Governors …, 1998 - ideas.repec.org
Bank risk rating of business loans. Author info | Abstract | Publisher info |
Download info | Related research | Statistics. Author Info. ...
-

Gender bias and the availability of business loans
M Fay, L Williams - Journal of Business Venturing, 1993 - ideas.repec.org
Gender bias and the availability of business loans. Author info | Abstract | Publisher
info | Download info | Related research | Statistics. Author Info. ...
-

Universal Banking and the Future of Small Business Lending -
AN Berger, GF Udell - Financial System Design: The Case for Universal Banking, 1996 - ideas.repec.org
... Under this hypothesis, some small business loans are relatively generic and involve
essentially the same credit analysis techniques that are associated with ...

Bank consolidation and small business lending: It?s not just bank size that matters -
J Peek, ES Rosengren - Journal of Banking and Finance, 1998 - papers.ssrn.com
... in roughly half the commercial and savings bank mergers of the past three years,
the acquirer has a larger portfolio share of small business loans than its ...

SMALL BUSINESS CREDIT AVAILABILITY AND RELATIONSHIP LENDING: THE IMPORTANCE OF BANK ORGANISATIONAL … -
AN Berger, GF Udell - THE ECONOMIC JOURNAL, 2002 - Blackwell Synergy
... In the United States, the use of small business credit scoring is generally
limited to small micro-business loans of up to $250,000. ...

[PDF] Small Business Loans, Small Banks and a Big Change in Technology Called Credit Scoring -
R Feldman - Federal Reserve Bank of Minneapolis? The Region, September, 1997 - 212.59.24.64
... Small Business Loans, Small Banks and a ... Graph 2 provides additional detail on the
distribution of business loans by the size of the loan and the bank. ...

Disequilibrium econometrics for business loans -
JJ Laffont, R Garcia - Econometrica, 1977 - JSTOR
Disequilibrium Econometrics for Business Loans. Jean-Jacques Laffont. ... In Section
2, we describe the market for business loans by chartered banks in Canada. ...

Small Business Lending and Bank Consolidation: Is There Cause for Concern? -
PE STRAHAN, J WESTON - Current Issues in Economics and Finance, 1996 - papers.ssrn.com
... Volume 2 Number 3 Page 2. A Profile of Small Business Lending In June 1993, the
federal banking agencies began col- lecting data on small business loans. ...

Monitoring and Reputation: The Choice between Bank Loans and Directly Placed Debt -
DW Diamond - Journal of Political Economy, 1991 - UChicago Press
... Steven A.Dennis,Ian G.Sharpe. (2005) Firm Size Dependence in the Determinants of
Bank Term Loan Maturity. Journal of Business Finance <html_ent glyph="@amp ...

Using an expert system with inductive learning to evaluate business loans
MJ Shaw, JA Gentry - Financial Management, 1988 - JSTOR
Using an Expert System with Inductive Learning to Evaluate Business Loans. ... Exhibit
1 presents the decision-making process for evaluating business loans. ...

Source: Google Scholar
 

Loans for Business Owners with Poor Credit
Wednesday February 28, 6:57 pm ET
By AllBusiness.com

Gone are the days when you can walk into a bank and get a loan based on good rapport with a loan officer. But today the banking industry isn't willing to spend the time, or to undertake the risk, in issuing loans this way.

Today banks focus primarily on personal credit scores. If you have a checkered credit history, big banks won't be your best bet for funding your business. Not only will you almost certainly be denied, but each inquiry into your credit may actually lower your credit score. Here are some alternatives to big banks to fund your business:

Local lenders
Community lenders and regional or local banks are more likely to consider other factors in addition to your personal credit score, such as your business credit score. Your business credit score is determined by similar factors as your personal credit, outstanding debt balance on credit accounts, bill payment history, but is associated with your business's tax ID number, not your Social Security number.

Article continues below and (thank you)

 

Establishing a separate business credit history is a key to a successful business. If your credit is damaged and you have not already secured a separate tax ID number from the IRS, get one as soon as possible. You can apply for a tax ID number without incorporating if your business is a sole proprietorship, an LLC, or a partnership.

Specialty lenders
Some lenders actually specialize in loans for high-risk entrepreneurs. These loans generally have high interest rates with a provision for lowering the rate when the business shows positive cash flow and the borrower demonstrates ability to cover the debt.

Home equity loans
Another option is a home equity loan. Home equity loans can provide you with large amounts of cash at a relatively low interest rate, as well as certain tax advantages unavailable with other types of loans. But using a home equity loan to fund your business carries considerable risk: if your business fails, you will have lost both your business and your home.

Friends and family
Family and friends may be able to offer financial assistance. Many business owners dislike asking family and friends for money, and some experts advise against involving relatives and friends in your business dealings, but if your options are limited, you may have no other choice.

If you pursue this route, treat your friend or family investor as you would any other investor. Present your business plan and draft legal documents that protect all parties. Things can go wrong in the closest of relationships, and a handshake just isn't enough.

The SBA
The Small Business Administration has a wide variety of programs to help you fund your business. While the SBA does not lend money, they do guarantee loans; this reduces the risks inherent in loaning money to small businesses and makes lenders more apt to issue a loan. The SBA also maintains a list of business-friendly banks here. You can also call your local SBA office for more information. You can also consult the AllBusiness Practical Guide to SBA Loans for more information.

Find more advice on Career Development and Startup Funding at AllBusiness.com. AllBusiness provides practical information and services for business professionals and growing businesses.

 

Ten Effective Job Search Strategies
Wednesday February 28, 9:00 pm ET
By AllBusiness.com

Searching for a new job is seriously hard work. In fact, it can be the toughest "job" you'll ever have. That's why the key to job search success is treating the entire process like a business. You are currently in the "job hunting" business. To stand head and shoulders above the rest of the job-seeking crowd, it's important to lay out an effective strategy. By defining what you want and need, you're on your way to getting it.
Jump-start your next job search with these helpful job-hunting strategies:

Know thyself. Begin your job search by taking a thorough inventory of your interests, skills, accomplishments, experience, goals, and values. Make a detailed list. The key to a successful job search is recognizing what makes you a unique candidate and communicating this effectively to a prospective employer, both verbally and in writing.
Aim for the right target. Try to match your skills, interests, and values with the right career choice. If one of your goals is to get a larger salary, don't focus on career paths that traditionally pay low salaries. Do some research. Learn about different companies that interest you and target those that are more likely to have open positions.
Be assertive and proactive. Don't wait around for opportunity to come knocking on your door. While cold calling on potential employers can be intimidating, it remains a powerful strategy. It's important to get through the door first, before your competition.
Do some sleuthing. One key to breaking in is understanding the "hidden" job market. Many job openings exist only in the minds of directors, vice presidents, and other company bigwigs long before the job is finally advertised in newspapers or on the Internet. If you can present yourself as the perfect candidate at this early stage, an employer may snap you up without looking elsewhere.
Work the network. Networking should be at the center of your job search strategy. Get the word out to friends, trusted colleagues, and even relatives that you are actively looking for a job, and ask them to keep their eyes and ears open for any opportunities. Expand your network by joining professional organizations, signing up for job search newsletters and e-mail blasts, contacting former professors and classmates, and by participating in Internet discussion boards.
Get professional help. Employment agencies come in all shapes, sizes, and price ranges, and they can be an excellent resource for job leads. Some specialize in very specific occupational areas, and many often have exclusive arrangements with large companies. If you're interested in the services of an agency, investigate it carefully. Determine what the agency will do for you and how much it will cost.
Be temporarily flexible. Temp jobs are a great way to learn skills, gain experience, and earn money while looking for a permanent position. They are also a way to prove your worth and be first in line when a full-time position does open up. Working as a consultant or independent contractor in a company can also eventually lead to steady, full-time employment.
Say it clearly. When sending out résumés, catch the prospective employer's attention with a brief and concise cover letter that spells out clearly how your qualifications match the job requirements. Connect the dots for the reader, making it obvious why you're the perfect candidate for the job.
Keep careful records. Keeping track of the progress of your job search is important. Maintain a detailed record of all the jobs you have applied to, including communications, interviews, referrals, and follow-up actions. This will help you build a network of valuable contacts both for your current job search and any future ones.
Be persistent. Job searching is hard work and there are times when you will become discouraged. Just keep in mind that everyone has been through the same grind at one point. Try to keep a positive attitude about the whole process and look at your job hunt as an exciting challenge. Your perfect job is out there somewhere. Good luck!
Find more advice on Career Development and Startup Funding at AllBusiness.com. AllBusiness provides practical information and services for business professionals and growing businesses.

 
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