Key Steps For Timely Approval

Bad credit business loans are especially carved out loan products for those business people who do not usually find approval of a loan from elsewhere because of the risks they carry. These risks are multiple cases of late payments, arrears, payment defaults and even CCJs in their names. However, approval of the loan will depend on many factors.

First, the lenders will study record of your business in paying back old loans. if the business is new and has not build up such a history yet, then your credit report will be assessed for the risks. So, avail the report free of cost from the agencies to correct any errors in it before applying for the loan.

It would be a wise step to start making timely payments towards old debts months before applying for the loan. This step will help you win back the lenders’ faith in you. You must also keep ready all the documents related to your business. Go to the lender with a convincing plan of investing the loan money and keep all the papers about your business ready.

Bad credit business loans are made available in secured or unsecured options. The secured loan is available against a home or commercial asset that is to be pledged for collateral. The loan amount will depend on value of collateral. Low interest rates are the chief benefit of the loan. You can repay it easily in 5 to 25 years.

The unsecured loan comes without collateral but interest rate will be higher and only smaller amount will be approved for its repayment in short-term of few months to 10 years.

Compare as many lenders as you possible can to locate some offers of the loan at cheaper costs. The lenders have displayed their interest rates on their websites. Compare such offers of lower rates on bad credit business loans. Additional fee charges also should be compared to settle for a less burdensome deal.

Bad Credit Business Loans And Your Real Options

We have all heard the phrase “if it sounds to good to be true…” And we all know how it ends. When it comes to bad credit business loans this phrase holds especially true. One of the top challenges for small business owners and entrepreneurs is getting the funds to start their businesses.

The Truth About Advertised Bad Credit Loan Rates

Millions of people have bad credit and it is a particularly hard thing to deal with for small business owners who are trying to obtain a loan. There are numerous companies that may claim that they can get anyone a loan for hundreds of thousands of dollars, in spite of their bad credit. But this is just not true. It is important to realized that unsecured loan providers are legally allowed to advertise their best rates. However, there is a catch. They are legally allowed to advertise these rates as long as a minimum of two-thirds of their loan applicants will get the rate. So while there is a pretty big chance that you may get the rate, there is also a fairly big change–30% to be exact–that you will not.

There Is Generally No Escaping Higher Interest Rates

In any case, the fact is that lenders consider applicants with bad credit high risk. Therefore, whether you get a secured or unsecured loan your interest rates will be much higher. In addition to this, there may be some form of additional security that must be attached to the loan.

3 Options For Business Owners With Bad Credit

The best option for small business owners with bad credit is to take the time to establish credit under their business name. Now, keep in mind that this takes a few years but there are some things that you can do in the short-term to get things rolling. The advantage of doing this is that there is no connection to your personal credit, so when you apply for a loan in the future under your business name your personal credit will not be checked. In the meantime you should get a business checking account, business credit card, and phone line in the business name. Make sure to ask the phone company and the credit card company if they report their accounts to the credit bureaus. If they do not, ask them if they can do so for your account–if they cannot, then you should search for companies that will.

Getting a bad credit business loan is one of the only options for many small business owners and entrepreneurs with bad credit. So, if you must get a bad credit business loan you should at least know the best way to go about it. First, consult with many different companies about all of the different options they have. Second, realize that while you will have to pay higher interest that secured personal loans typically have lower interest rates than unsecured loans. Also, keep in mind that you can always try negotiating with the lender–it never hurts to try.

Lastly, ask a friend or relative for help. This is not an option for everyone. But for those who may be able to obtain funds in this way, remember to be absolutely honest with your friends and relatives and to explain all of the risks associated with their investment.

Successful Small Business Marketing Strategies

In case you haven’t noticed, today’s successful small business marketing strategies include the Internet. You can’t run a really successful marketing campaign by just running newspaper ads and sending out direct mail coupons. I’m not saying that these tried and proven methods no longer work. But, if you are not plugged into and using the power of the Internet to promote your business, then you are certainly not maximizing your efforts and are most certainly costing your business revenue.

You may have even used some pay-per-click search engine marketing through Google or Yahoo, but there is a whole world of other marketing tools available outside of those giants. To be really competitive today in your marketplace, you need to be familiar with all the tools available and using them. These tools are vitally important in helping you build lasting relationships between both your current customers and your prospective customers.

Today, the most effective marketing requires combining the power of the Internet along with all the traditional methods of offline advertising. In order to harness the full power of the Internet, you must build yourself an online presence. The first step in establishing your online presence begins with creating a website as quickly as possible. Your website is your virtual storefront.

This may sound difficult to you, but it really is not. Your previous level of Internet experience is not all that important since there are many programs available to help you. What is important, is that you just get started, you will learn as you go along.

Don’t forget, the primary objective of any marketing campaign is to attract customers to your storefront, whether it is a traditional brick-and-mortar business or a virtual storefront using a website. If you are conducting any type business today without a website, you’re missing business. We suggest you get one soon.

Once your online presence is established, your next objective is to start building a relationship with all your customers. If you have been in business for a while, you already know the importance of your current customer base and appreciate their repeat business. Keeping existing customers happy and maintaining their business is a whole lot less expensive than going out and acquiring new ones.

Your website will help you to accomplish this by keeping your customers informed about all your products and services. It is also a great place to advertise current specials you may be offering. Through the use of an Opt-In Box or even a separate landing page, customers can provide their email address which will allow you an additional way to communicate.

Using the power of the Internet and your online presence, you can stay in almost constant communication with all your customers. By building your permission-based email list of all your customers, you can automate your email system with the use of “autoresponders”. This will allow you to deliver to your customers regularly written messages or a series of messages on a regular basis.

You can easily see that today’s successful small business marketing needs to include the Internet. If you are not using the power of the Internet to help promote your business, then you are missing a large segment of your market. Today, having and promoting a quality website is essential to the long term success of any business.

Small Business Marketing Strategy

Starting a business is a step many people are planning to take. This could be because of the trend of the global economy going down which has resulted in a need for an alternative source of additional income. For others owning and operating a small business provides something to spend their time on, or simply a new endeavour to try it out. Whatever the reason may be, it is a fact that a small business can be started by almost anyone. The hard part is sustaining and then making it successful. A small business could easily consume all your time and effort and still not grow.

There are a huge number of factors to be considered when you are thinking about starting a company of your own. For example; you should have your own small business marketing strategy when you start. In this article I provide 4 quick tips about how to develop an effective small business marketing strategy for your company.

1. Determine the budget you will need to get your marketing strategy started. Make sure budget is adequate to get the job done. You must manage so you are always working within the designated budget.

2. Get the demographics of your target customers. Remember; there are groups within your potential customers, so you should group them accordingly to know which strategy to employ. Don’t make mistakes with your demographics. For example; a group of teenage boys could not be given a flyer about tea parties suited for middle aged women. This would only waste your resources. Always keep your target group in mind and never lose sight of them.

3. Determined your method of dissemination. This could either be person to person, direct mail, colorful brochures, newsprint, internet ads, or direct e-mail. The possibilities are endless. Just make sure your medium would be appealing to your target customers. But also remember what you client prefers and also the finances required to support your chosen system of promotion.

4. Get noticed by the crowd. You can expect a lot of start up companies will employ the same small business marketing strategy as you are plan. You should employ tactics to help stand out. Use colorful images. You could even utilize unusual materials in your brochures or have a combination just to be different. Make sure to use interesting taglines to get their attention. In general, present to your customers what you yourself would want to see.

Use For Small Business Marketing Strategies

To start your own business is a big step but it feels great, because now you call the shots! Then you start to wonder what type of marketing strategies you are going to use without breaking yours and your businesses bank. Please be aware that you never mix business with personal it would be a sure way for your business becoming one of the statistics, but that is another article. I do want you to know that there is quite a bit of strategies you can use to market your small business. There are flyers which are old fashioned, can be costly but you get the “word” out. Next is business cards at other local businesses, YouTube, blogs, banner advertisements on the web, CD handouts, radio and TV commercials and affiliations with other businesses that mention your business to potential clients. I am sure there are more since technology is always evolving but these seem to be the main chains of communication that people go to and rely on for research on a certain service and/or product.

The internet is a great way to place your small business but you have to make sure that you are genuine and stand out among the other thousands of businesses that are competing “against” you. Let’s just think about it this way, where would Nike be if it didn’t have the swoosh sign and the saying, “just do it”? Where would McDonald’s be if it didn’t have Ronald?(You can make a better burger at home) but can you make a better marketing system? You have to be sure that you will stand out for the millions of people that are looking for you! Of course they need your service/product but why do they want to come to you? Regardless of whatever small business marketing strategies you use, you have to be sure that the customer is first and if you have a dissatisfied customer take a survey. Why they didn’t come again? Why were they dissatisfied? You need to be a little personal with the people that are seeking you. If that is not to your liking then this type of business may not be for you.

We have become a fast paced world, the internet and television would be the sure way to get your services out, but the difference between you and the competition is that you care. That is why repeat satisfied people come time and time again to you. If the internet is too “frightening” for you then you may lose the opportunity to grow. Think of big companies that have lasted for many years, GE, Maytag, Ford and the list goes on. Just like you have people you want to emulate, your small business should emulate businesses that have changed and succeeded along the tides of time. These companies have succeeded, because they were willing to change with time and make sure that the customers voice was heard. It is important for you and your business to be willing to change with the times, if not it will be a struggle for you and your business. So come and join the crowd waiting to meet you and your business. So the customers can be satisfied with your services, because of the genuine and distinguishable small business marketing strategies you have produced with them in mind.

Unique Business Marketing Strategies

To be competitive enough, you need to market your business. Since there are many people marketing their businesses, you need to be unique in order to get the attention of many customers. Some of the unique strategies that you can use include:

Renting space

Here you need to find websites of the major players in your industry and ask the owners to rent you advertising space. While many companies will not allow you to do this, there are some that will.

If you are finding it hard to find advertising space on a website, you should try looking for space on Facebook. You should approach a well known person in your industry such as the CEO of a big company and ask him/her to allow you to advertise on his/her Facebook page.

Being allowed to advertise on a Facebook page is synonymous to being given a recommendation which will give your business a great image.

Sponsor a great cause

Over 90% of people say that they have a more positive image of a product or company when it supports a cause that they care about. You should take advantage of this and sponsor a cause that will have an effect on the people you target as your customers.

For example, if the people in your area are struggling with unclean water, you should consider digging a borehole for them.

This will not only give your company a great image, but it will also increase your sales as more people will want to be associated with you.

Be wacky

You need to stop being like everyone else and be unique. For example, you can use humor and slang in your professional blog. When doing this you need to avoid going overboard to the extent of losing customers. Two of the best companies that expertly make use of this are: Betabrand and AppSumo.

Another unique way of marketing is by advertising in unique places. For example, you can advertise in napkins in areas where your target customers frequent. You can also advertise in public restroom mirrors.

Advertising in unique areas will most likely attract the attention of many people and as a result many people will read your advert and get to know of your business.


These are some of the unique business marketing strategies that you can use in promoting your business. As mentioned, you should avoid overdoing it or else you will lose potential customers.

Implementing Strategic Alliances

The perfect business marketing strategy to increase business profits is probably one of the most pressing questions for business owners, large and small, especially in the current economic climate where an increase in business profits, especially your bottom line, would be more than a welcoming reward.

So, as a business marketing strategy  how could you increase profits without ‘breaking the bank’; without spending any more on advertising or without having to create more products or services?

Quite simple really. By implementing strategic alliances with reputable companies that, although may have similar products or services to yours, are not in direct competition with your company.

Companies who offer excellent products or services to their customer database can literally increase business profits by a minimum of 30%, even as much as 100% in a matter of days just by letting their in-house marketing team get a little creative and start implementing strategic alliances.

Increasing business profits by implementing strategic alliances isn’t a new concept but still very much under-utilized by a large percentage of small to medium-sized companies, even large corporations, who would like to start using some highly-effective marketing strategies, but simply don’t know how to put a successful campaign, from concept to fruition, into action.

Let me give you some quick examples of time-proven marketing strategies that would work extremely well with companies that have a customer database of at least 5000 customers:

1.    Reactivation of past customers that were sold any type of service subscription

2.    Implementation of an opt-in subscriber form to gain new customers

3.    Implementation of an automatic sales funnel using a targeted email campaign

4.    Cross-selling by promoting non-competitive products to your customers or clients using profit-pulling copy via direct mail.

5.    Endorsements of additional non-competitive products to your customer database

I’ve seen large organizations have a lackluster approach in looking after their customers and clients. Focusing on making your customers feel like royalty and maintaining their longevity is key.

While carrying out some typical research to find out if businesses could do any more with their websites to increase business profits, I was quite horrified at my results.

Researching 10 various business sectors, with the top ten results in each sector (100 business website home pages), a mere 5% had implemented an opt-in form for the visitor to request more information about that company, albeit a better job could have been done with the copy, but nonetheless, a device was in place.

That means, the 95 remaining companies had nothing in place to ask the visitor if they wanted to receive further information via a company newsletter, free business report, free trial, free book chapter etc. Sad but true.

Just because a new client or customer comes on board and you’ve take their money, does not mean it ends there. Clients like to be rewarded; made a fuss over and continually looked after with additional follow-ups; products and services that you recommend and endorse, even although these products may be produced by someone else.

Not only do your clients expect this, but it’s also the perfect way to increase business profits by implementing strategic alliances with other reputable businesses, while continually building trust and customer-bonding over the lifetime of their existence within your company, and all other companies associated with the promotional strategic alliance.

More often than not, you only have to look within your own company and you’ll find there are multiple ways to increase business profits without having to do much more than send your existing customers an email or a direct mail letter.

Forming strategic alliances can not only be highly lucrative, but can continually bring in an additional increase in business profits for all parties involved, even though the majority of the work involved to see it through to fruition, can mainly be outsourced.

Companies who are new to setting up these strategic alliances can often try to implement these strategies themselves. Unless experienced using any form of business marketing strategy, and know how to set it up correctly, it can easily backfire, cause tremendous grief and can even damage customer loyalty and longevity.

I hope this article has given you an insight into a business marketing strategy that can be implemented by any online enterprise wishing to increase their business profits while forming profitable strategic alliances.

Effectiveness of Viral Marketing As a Business Marketing Strategy

One of the most effective Internet business marketing strategies available for any home based business is called Viral Marketing.

As the name implies, viral marketing is a technique that spreads a marketing message throughout the Internet, just like a virus does in society.

Referral programs, deep site linking, social gathering places, and other techniques are commonly used to spread the message through the Internet community and to target the intended audience.
Many bright ideas have started and spread throughout the Internet community by using viral marketing.


We all want something for FREE when we can get it. Giving away a free informative eBook or article will get the interest of your potential customer and when properly used, is a great marketing tool.

Your advertisement or marketing message can be creatively intertwined with the giveaway, or a “squeeze page” can be created to build your email contact list for later use.

Awarding someone an accolade tends to emphasize their self worth and usually gets their ATTENTION. Once you have the interest of the target audience, your marketing message can be more successfully transmitted to them.

You can create software programs for almost any application that can be used as a marketing tool if done judiciously. Branding the software, is an unbelievably effective strategy, that will virally spread your message and make a lot of money quickly.

When “hotmail” began, a marketing message was carried by everyone that signed up for their FREE email account.

Hotmail became the current craze and it’s owners became millionaires.

It may not be as effective a technique now as when it was a fresh idea, but the marketing strategy is still sound.

Although it is somewhat more difficult to accomplish, providing a free web space offer is a great way to virally market a message if you have the ability to do so. Placing your logo or some other marketing message in the web site that the server’s webmaster is creating, is viral marketing at its best.

People who want to get information quickly are always on the lookout for specialized link directories. A FREE directory link site, with your advertisement showcased, works virally when people want information quickly.

Many people are currently virally marketing by linking with other web sites.

Creating a web site that gives away FREE ecards, is another strategy used by many viral marketers.

Contact information, email addresses, and options to subscribe to a FREE update with your marketing message, are gathered before the FREE ecard can be sent. Again FREE, is what attracts your potential customer.

If your are into graphics, you can capitalize on your artistic ability by including a link with your message included in the graphics you are giving away. When the banner or graphic is clicked, your message or web site is accessed. Pure viral marketing at work!

A FREE newsletter or subscription site, is another direct viral marketing technique that is very effective, if the information is given in a professional manner. Some newsletters give no incentive to the reader, and are simply not worth reading.

Be prepared to devote a fair amount of time when using the newsletter technique.

Chat rooms and “niche” website forums are popular, and provide a means to communicate your marketing message. They are also an excellent way to create targeted traffic for your website.

If you are an expert in your particular niche, your marketing message can be funneled to your potential customers, by giving them your FREE consulting services. This can initially be done for a limited amount of time and then converted to a sale.

Giving away FREE screen savers with your imbedded graphics, links, or other message, will get you traffic.

Free email courses are used by viral marketers to acquire information about customers and to link to web sites, where other FREE offers are made available.

One of the most popular viral marketing techniques in use today, is to set up your own affiliate program. The tools usually include viral marketing banners, HTML link codes, widgets, and examples of auto responder emails that put your product or message on websites before a host of potential customers.
This has got to be the best method of generating sales and cash.

Getting listed in “Top Web Sites”, “Top 1000 Web Sites, or some other “Top” web site listing, is another great viral marketing strategy that really works.

Web surfers, and particularly researchers, find these sites extremely useful in locating what they are after.
There is so much information readily available on the internet, in so many places, that many individuals become overwhelmed trying to access their topics. Top Site listings considerably ease this problem, and provide a platform for successful viral marketing.

Joint ventures, guest books, forums, discussion boards, and article writing are a few additional strategies viral marketers use to spread their message over the Internet.

I’m sure other methods of viral marketing are out there and are being thought up as I write this article. I encourage using your imagination to create new strategies of your own.

Small Business Insurance

Small business insurance is beneficial for not just the employees of small business, it is beneficial for the small business owner as well. Small business owners can use the group rates to insure themselves as well. Individual insurance can be expensive compared to group insurance. Combining individual owners and employee insurance can save the business owner money.

Most small business owners find that their employees need added benefits such as insurance to insure employees have the benefits needed to stay healthy and complete the tasks needed by the business. Employees find these benefits essential. The rising heath care costs are causing stress financially and mentally for those workers making lower pay for longer hours.

A rising number of employees are requesting dental, vision, accident, and life insurance as well. These benefits help the employer and the employees. If a company owner knows that it has employees receiving regular dental check-ups, the small business owner knows the employee is much less likely to miss work due to toothache. This is also true for employees that get regular vision check-ups. If the employee can not see to do their job properly then there is a greater chance of mistakes and or on the job injuries. Having these benefits in place are essential.

Life insurance through smaller business is yet another benefit that most employees need in order to work for a company. Employees need that peace of mind for themselves and their families. Life insurance can be significantly low when combined with other polices such as health, accident, and vision.

There are several ways for small companies to benefit from the benefits that they themselves offer their employees. From an economic stand point it is a cost effective way to retain healthy, happy employees.

Business insurance quotes can be easily obtained online. There are several small business insurance companies able to compare several insurance companies and quote the owner prices and benefits included. Thus saving the small business owner time and money.

With so many options available to the business owner, it is easy for them to incorporate these into great benefit packages for their employees. Great benefits packages help retain qualified workers. Retaining qualified workers cuts turn-over. Cutting down on turn-over saves the business time and money.

The short-term disability option for business owners is a cost effective way for employers to retain employees even when the employee is ill or injured. The employee is entitled to a certain amount of money while recuperating. The employee returns to work without having faced a financial hardship. Thus causes the employee less stress and when they return to employment they are not facing the stresses of an employee that does not have the option of short-term disability. This is also true for long-term disability benefits.

Offering benefits is a benefit to the business owner, it’s employees, and their families. Finding online small business insurance quotes are easy and effective tools to keep a small business running smooth.

Small Business Insurance

Small Business Insurance

Starting your own small business can seem like a very daunting task, especially when you consider how much money and time you have invested before you even make yourself available to customers. Small business owners need to deal with complex issues like payroll, employee recruitment, and risk management. The last thing that you want to worry about is a liability issue that could potentially ruin your business before it even gets off the ground, which is why it is always a good idea to have small business insurance.

Business objectives are a fluid situation, and they change on a daily basis. Significant financial loss is always a concern for small business owners due to their reliance on day-to-day transactions taking place. Small business insurance will help to protect you against the loss of your investment money along with shielding you from the financial ramifications of having an unforeseen incident occur.

The first thing you want to do is find a reliable insurance broker to help you get your insurance needs taken care of. You might want to ask fellow business owners who they recommend, as they probably have a great deal of experience in the search for a reputable insurance agent. You are looking for a broker that specializes in commercial insurance, as this is the type of insurance that will be covering your business. Make sure that the agent does a thorough inspection of everything relating to your business so that he can get a firm indication of exactly how much coverage you are going to need.

If you have employees as part of your small business, you will need to have worker’s compensation insurance in case an accident occurs while they are working. You will also want to check with your local and state governments to see if there are any other types of insurance that you must have before you open for business. Some states require crime insurance or automobile insurance for small business owners, so you want to make sure that everything is ready to go so that you don’t run into any future problems.

Depending on what type of business it is that you are running, there is the possibility that the insurance company that you are working with has the ability to put together a specialized package that is designed specifically for your line of work. This would take into account all of the basic concerns that your particular business would have, and it allows you to be worry-free about any future problems that might ultimately affect the way your business is conducted.

Small business insurance is an important element when a person is starting out on their own. Planning ahead will allow you the opportunity to assess what your insurance needs are and then talk with an agent about setting yourself up with a plan that covers you against situations that could financially damage your business. It is very important that you obtain small business insurance to protect you from any kind of situation where you are found to be liable.