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Jun 22, 2017 11:36:41 AM

Choosing the Right Debt Consolidation Company

Debt can be incredibly stressful, especially when you're struggling to make payments each month. Any relief at all is usually welcome, even if it's not the best answer for your situation - and there are lots of "solutions" out there that really aren't a good idea. But what about debt consolidation loans? You've heard the term, probably many times. The idea may have been floating around your head for quite some time now, but you're just not sure if it's the best plan for your situation. Here's what you need to know about debt consolidation.

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Jun 9, 2017 3:59:55 PM

How (and Why) to Build Credit for Your Small Business

When you first started your small business, you probably had trouble securing loans or credit cards in the business's name. That's because the business had no credit history. In this situation, it's usually up to the business owner (or partners) to secure loans using their own credit history. Of course, this isn't how you want to operate your business long-term. Small businesses need credit for several reasons:

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May 30, 2017 1:28:47 PM

Finding the Right Online Business Loan for Your Company

Every small business needs to start somewhere, and very few owners manage to begin and eventually scale operations without a loan. Unfortunately, this can be a complicated situation once you realize what borrowing from a bank entails. There's an entry barrier, because you'll need a great credit score, previous banking relations and secure income proof to qualify.

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May 17, 2017 12:26:22 PM

Alternative Loans: What Exactly Are They?

With banks increasingly tightening their lending criteria when it comes to small business loans, business owners can often find themselves in a very difficult position. Whether you are just starting out in business or you require a cash injection to take your business to the next level, being turned down by the big lenders can be a frustrating experience. According to recent studies, a staggering 82-percent of small businesses fail due to problems with cash flow.

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May 10, 2017 2:07:52 PM

5 Tricks for Choosing a Merchant Cash Advance Company

At some point during the course of your business, you may need to borrow capital. You might need the money to purchase inventory or equipment, or to keep operating until profits increase again if it's a slow period for your business. Regardless of the reasons, there are many financial institutions that can provide the funding your business needs.

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May 4, 2017 10:02:38 AM

Why It's Important to Get Personal Financial Planning

Most people never consult a personal financial planner. ThinkAdvisor states that, in a recent survey, "Sixty-eight percent of respondents said they did not have a trusted advisor who offered comprehensive lifetime financial planning." But why not? There are lots of different reasons. Maybe you feel like there's no time to discuss your finances in depth. Maybe you feel like your finances aren't significant enough to warrant hiring a professional. Maybe you feel like you could do it better yourself. Or maybe you simply want to skip the expense.

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Apr 26, 2017 4:43:36 PM

The Era of Online Loans

Online lending is a relatively recent development, with most of its growth happening within the last ten years or so. Many financial analysts believe online loans became especially popular after the recession of 2008. Why? Well, a report issued by the Federal Reserve Bank of Chicago states that, "Banks across the country dramatically tightened credit card standards during the first two years of the Great Recession." The recession affected everyone, some more than others. Lenders changed their practices, tightening their standards and giving out fewer loans - though people actually needed more money to offset the financial difficulties. Online loans are a form of alternative lending, so it's easy to see why they grew as a trend: They were easier to attain, and loans were in high demand.

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Apr 19, 2017 1:29:17 PM

Can You Get a Debt Consolidation Loan With Bad Credit?

It's hard enough to get business credit when you have zero debt and perfect credit. If you're struggling with high-interest debt and your credit score has taken a hit, getting approved can seem impossible. However, because a debt consolidation loan can slash your interest payments and help you catch up, it's important to not give up. You have several options available.

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Mar 22, 2017 4:51:59 PM

How Can Small Businesses Leverage Public Resources to Help Meet Business Funding Needs?

Small businesses can leverage publicly available resources to help meet their funding needs.  Programs designed to provide access to funding can complement existing and private sources of capital and provide additional resources for growing a business.  In particular, some state and local governments will take the extra step necessary to assist the growth of local businesses. 

Here are several ways that a small business can access publicly available funding resources.

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Mar 16, 2017 3:55:15 PM

How Can Trucking Companies Curtail Major Expenses?

Truckers know that life on the road is difficult but curbing expenses and spending is a big challenge, too.  Traffic, weather, accidents and delivery deadlines come with the job.  Working with a lender to fund a new truck purchase or keep a fleet well maintained can be harder to overcome.

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