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You have got your business up and running. However Cheap Jerseys China Wholesale , you find that you need more money to expand your operations, take on new clients, meet business debts, keep up with payroll and other expenses, or capture another prime piece of business. So, what will you do? Your first thought is to talk with your banker to apply for a commercial loan. Yes, you could approach your local business loan officer in hopes of trying - yes Cheap Authentic Jerseys , trying - to get him or her to see the value of your business and to appreciate your ability to repay the loan. However, in today's business climate, you realize that this is not as straightforward as it may seem on the surface.
Given the most recent economic turn down, in today's business climate, getting a bank loan is more difficult than it has been in recent memory. So, you know that your chances of scoring a loan is slim, at best. You also realize that your credit rating is not sterling. Therefore Cheap Jerseys Wholesale , in the slim chance that you are offered a loan, it will come with an interest rate much higher than one you would have received had your credit been healthier.
Additionally, given your current financial situation, you realize that, in the event you are offered a loan, it will undoubtedly be one "secured" by a portion of your business interests. In effect, the bank will become your silent partner. In fact Cheap Jerseys From China , the bank may require that you pledge your personal assets, such as your home, personal real estate, etc, as a condition for receiving the loan. All of these possibilities, added together, make for a very unappetizing situation. There may be a better option readily available to you.
That option is called "alternative business financing". This type of financing is so called because it is an "alternative" to normal bank lending. In fact Cheap Jerseys China , most forms do not require any banking interaction at all. Some of the more popular form include inventory finance, asset-based lending and export-import trade finance ( h we will discuss in other articles in this series). However, the most widely-used form of alternative business financing is called "factoring".
Essentially, factoring involves you, the company owner, using your accounts receivable to acquire an advance from a private, non-banking financial entity. Factoring has proven itself a winner for many small and medium-sized businesses and a major means for business owners foregoing the business loan process.
The process works like this: If you Cheap Jerseys , as a business owner, offer terms (30, 60, 45, 90 days, etc) to your customers, you will receive accounts receivable (essentially Cheap NBA Basketball Jerseys , an I.O.U) from those customers. You will keep the receivable until the customer pays. Meanwhile, you will be out of the dollar value of the receivable until your customers pay. This is where factoring come in. With factoring, you can receive an advance of up to 85% of the accounts receivables value. Once the customer pays, you will get the remainder of the accounts receivable value, minus the factor's small financing fee ( ally, 1-3% per each 30-day period). This is not a loan, but an advance.
With this advance Cheap Basketball Jerseys , you will have ready access to your own cash to expand your business, take on new clients, pay business debts, keep up with payroll, meet other expenses, capture additional prime pieces of business, etc. Factoring has been used extensively by business persons to avoid the hassle and complications of getting expensive Cheap Nike NBA Jerseys , commercial business loans.
With factoring, there is no need to pledge any type of personal or business assets; (because it is not a loan)no money need be paid back ; factoring fees are normally reasonable; the factoring process is rather simple; and there is no possibility of taking on a silent partner.
Before you attempt to get a commercial business loan, investigate the possibility of alternative business financing. Look closely at factoring as a possible way of avoiding the need for a commercial loan.
The Glycemic Index (GI) is a rating of carbohydrates on a scale of 0 to 100 depending on the extent to which they raise blood sugar levels after eating. Foods with GI of 70 and above are considered as high GI foods, 56-69 as medium GI foods, 55 and below as low GI foods.
High GI foods are those which are quickly digested and absorbed in to the blood stream and result in noticeable fluctuations in the blood sugar levels. Conversely, low GI foods, because of their slow digestion and absorption Cheap New NBA Jerseys , produce gradual rises in the blood sugar and insulin levels, and have proven health benefits.
Benefits of GI diet
GI diet is nothing but eating more low GI foods than high GI foods. It is good for rapid weight loss and best diet for diabetics. One can easily plan their low GI diet by including healthy fats, good carbohydrates, and lean proteins all together. The least processed foods such as the vegetables, legumes and whole grain breads have low GI values. They make us feel fuller and avoid us from taking food quite often. In addition the fiber from the low GI foods also helps to control the blood cholesterol and blood glucose levels.
Following are some more benefits of GI diet
Reduces hunger and keep us fuller for longer time – can manage and lose weight Sustained energy Increases body’s sensitivity to insulin Helps in diabetes management Reduces the risk of heart diseases Improves good cholesterol Provides prolonged physical endurance
Low GI foods
Rice is the major staple food for major population of India. Among different varieties of rice, Doongara - a unique variety of rice harvested in Australia was found to be the rice with lower Glycemic Index. It has a GI of 56 followed by Basmathi rice with the GI value of 58. The low GI of these varieties help people to stay fuller for longer and also provides sustained energy for physical endurance. It is a healthy choice for the people looking to boost energy levels . Cheap Jerseys From China Cheap Jerseys China Cheap Jerseys China Free Shipping Cheap Authentic Jerseys Cheap Jerseys China Free Shipping Cheap Jerseys Online Cheap NHL Jerseys Wholesale Football Jerseys Wholesale Jerseys China Wholesale Adidas Soccer Jerseys |
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