The Small-Business Guide to Getting the Cash You Need

A clothing startup may need production financing to fulfill a large production order from a thriving boutique.

A construction company may need equipment leasing to pay for a new excavator, bulldozer or boom lift for a massive city contract.

A corner restaurant may need a merchant cash advance to survive a winter rut.

Small businesses need loans for different reasons. But before considering the different products available, ask yourself these questions first.


1.Would I lend my own money to my business?

2. Do my customers recommend my business to their friends and family?

3. Do my employees feel engaged, valuedand good...

Leave a Comment November 23, 2014

China’s PBoC Trying To Fill The Void Left By The Fed: Daiwa

By Shuli Ren

Looking at the People&’s Bank of China&‘s balance sheet and China&’s balance of payment data, Daiwa Securities concluded that China&’s central bank&’s recent targeted monetary easing was meant to fill the hole left by the Federal Reserve&‘s tapering measures.

In the third-quarter, a total of $82 billion net capital left China. Since the tapering started, a total of $133 billion has left. China&’s central bank was also affected. In September, the bank saw a 6 billion yuan drop in foreign assets on its balance sheet.

Interestingly, the 500 billion yuan 3-month medium-term lending facility,...

Leave a Comment November 23, 2014

DOC NYC Women Directors: Meet Yuki Kokubo – ‘Kasamayaki’

Yuki Kokubo is a documentary filmmaker and photographer based in New
York City. Raised in an artists’ community in rural Japan, Kokubo and her family
relocated to New York City in 1986. She began photographing as a teenager and
attended the School of the Art Institute of Chicago to study fine art

After the Japanese earthquake, tsunami, and nuclear disasters of
2011, Kokubo began working on her first feature-length documentary, Kasamayaki (Made in Kasama). In 2013, Kasamayaki
received funding from the Jerome Foundation and was selected as one of ten
documentary films for IFP’s Independent Filmmaker Labs. In 2014, Kokubo received

Leave a Comment November 22, 2014

Slow Money: LION Investing

The great recession pounded the life out of small business lending.

Big banks went into high-risk protection mode, and small businesses that would have qualified for a loan in 2006 found themselves unable to secure funds just two years later.

Between June 2008 and 2011, overall bank lending dropped by 9 percent, and within that, small business lending dropped by 18 percent.

The Fed cracked down on banks for making those risky mortgage loans, and lending standards rose across the board. Big banks are still hoarding their capital reserves and not issuing as many loans to keep ahead of stricter oversight.

According to the Biz2Credit Small Business Lending Index in May 2014,...

November 22, 2014

ISOs Help Clients Pick Funding

ISOs and lenders are recognizing that business lendings not a one-size-fits-all proposition, and they have come to rely on merchant cash advances for some businesses and merchant loans for others. 

They all want money, but you have to make sure the criteria works for them as well as the funding companies,? said Michael Steinberg, who works in Miami Beach, Fla., as an independent liaison between cash advance companies and ISOs.

Merchant cash advances withdraw a percentage of a business? daily processing volume, meaning that the payment amount varies from day to day, whereas business loans require that merchants make fixed payments.

A merchant who earns the same dollar...

November 22, 2014

Northern Irish, Money-Saving Mum Wows Judges to Win ‘10000

Press Release, News

LONDON, November 18, 2014 /PRNewswire/

Belfasts Jennie Hammond crowned the UKs Smartest Shopper 2014

After a gruelling and competitive month-long search, , the money-saving and voucher code site, has found the UKs most knowledgeable and smartest shopper.JennieHammond, a single mum from Belfast , beat thousands of rivals to claim the title, a cheque for 10,000 and the opportunity to work with Savoo to create an award-winning, money-saving blog.

(Logo: )

With 10 finalists undergoing interviews from some of the UKs most revered money-savers, to be crowned...

November 21, 2014

Top 10 reasons banks won’t loan money to your business

David Goldin is CEO of New York-based AmeriMerchant, a provider of working capital solutions for businesses, including merchant cash advances and business loans. Goldin is also a founding member and president of the North American Merchant Advance Association, a trade association for the merchant cash advance industry.

November 21, 2014

What’s filling the gap in small business lending?

Since the financial crisis, small business owners have had greater challenges getting loans. Traditional banks rarely lend those small amounts, and the community banks that typically serviced those loans have shrunk significantly.

That lending gap has been a boon for a rapidly growing financial product called a merchant cash advance. Business owners can quickly get the money they need, but it can come at a very high price.

Edgar Jones explained that many in his position dont have other options. Jones asked to change his name for the story. He owns a company that cleans commercial sites. With less than 15 employees, the company makes about $500,000 in revenue each year. After...

November 21, 2014

Morgan Stanley Soars to Top of All-India Research Team Roster

The election results turned out to be a surprise even
for the most optimistic people, observes Sanjeev Prasad,
co-head of institutional equities at Mumbais Kotak
Securities. One single party got a complete majority, and
it was also the party that had the most progressive economic
policy agenda.

That itinerary is very much on the minds of institutional
investors, who are looking for hearty markets in a world that
continues to confound even diminished expectations for growth.
Last month the International Monetary Fund lowered its forecast
for the global economy, to 3.3 percent, but raised its outlook

November 20, 2014 Selects Rafter J Funding as the Fifth Top Merchant …

NAPLES, FL–(Marketwired – November 12, 2014) – The independent authority on payment processors,, has named Rafter J Funding the 5th best merchant cash advance service for the month of November 2014. Rafter J Funding was chosen based on their effective performance in an in-depth analysis of the solutions they offer. While there are thousands of services offering a variety of solutions, the ratings consist of the best featured based on the results of the in-depth evaluation process.

These agencies are researched through a meticulous evaluation process to identify which agencies to highlight in the recommendations. While there are thousands...

November 20, 2014

Previous page

Good Reading


Excellent Services