I was up to my eyeballs in debt and Nationwide Debt Direct saved me from drowning in the debt. The view from underneath a crushing debt burden can be pretty grim. If you’re struggling with a mountain of debt that seems poised to grow indefinitely, you may feel as if you’re no longer in control of your own future. In fact, you may feel like giving up completely. When you’re barely able to keep up with your bills and your interest rates seem to increase with no end in sight, it’s normal to want to throw in the towel.I’m sleeping better knowing National Debt Relief is helping me to eliminate my debt.
Helped me settle my debts that were choking me
National Debt Relief has taken a big weight off of my shoulders.National Debt Relief has taken a big weight off of my shoulders.I was in a tough spot, financially and emotionally. Now I can see a light at the end of the tunnel finally.You can’t properly manage your own money without some measure of financial literacy. Money matters can be complicated and often seem trivial, but there’s a lot at stake when your financial future hangs in the balance. While a single article can’t possibly cover the full range of things that you need to know in order to be financially literate, this piece is a start. It’ll teach you how to improve your money IQ at home and on the web. If you’re lucky, you might just be able to tell a five-year ARM from a no-penalty CD when you’re done.
Now I can see a light at the end of the tunnel finally
You may wish that you had a financial professional on call to whisper sage money management tips in your ear, but you’ll have to make do with guidance from your peers. This shouldn’t be a disappointment: The best money management advice often comes from folks who have firsthand experience with financial distress. Even better, much of this advice is straightforward and easy to implement. This article features everything from clutch tips on stretching your household budget to advice for dealing with a particularly aggressive creditor.
Best decision I’ve ever made
Managing your household finances can be trickier than it appears to be. Nationwide Debt Direct has taken a lot of weight off of my shoulders. Whether you’re young and single or share a full house with your overworked spouse and multiple kids, you’ll need discipline and moxie to avoid taking on too much debt. This article contains everything that you need to know about creating a realistic household budget, sharing common expenses with your spouse, and teaching your kids how to manage their own streams of income.
Getting debt Relief from Nationwide Debt Direct
Whether you’re struggling under a crushing load of debt or want to fix your nascent credit problem before it gets worse, you could probably use some well-placed money advice. If so, take some time out of your busy day to peruse these easy-to-read articles about everyday personal finance concepts.
Well you know personal finance covers a wide variety of money topics including budgeting, expenses, debt, saving, retirement and insurance among others. Understanding how each of these topics works together and affect each other is important for laying the groundwork for a solid financial foundation for you and your family.
“Think different.” That was one of Apple’s first advertising slogans, but it’s also applicable to the way successful people handle their money. Since before the Stone Age, our brains have been wired for short-term thinking and immediate gratification, and those tendencies can be hard to shake. But training your brain to consider the future, decide on your priorities, and check in regularly with your finances can turn things around.
Do this: If you’re going to spend less than you make and consistently put money aside for the future, it’s vital to rank your priorities. So make a list of what you value most — do your best to keep the list short! — and allow yourself extra wiggle room in those areas.
The lesson: “If you’re sick with something you don’t understand, you should ask a doctor,” says Chris Chen, wealth strategist at Massachusetts-based Insights Financial Strategists. The same idea applies to your finances. And if you’re worried about coming off as a financial newbie — “It’s the opposite,” says Barrett. He and other advisors we spoke with said their most savvy and financially literate clients tend to ask the most questions.
These great steps of financial planning are used by the best financial planners, specifically Certified Financial Planners (TM), when creating and implementing financial plans for their clients. However, these steps can and should be followed by every investor or individual.
The lesson: “You can’t have it all” is the pessimist’s way of looking at things. The optimists? “You can have what you value most.” That’s how many successful people look at their money, and it’s a big reason why their wealth has grown — instead of diminished — over time.
Rusty Tweed, the president and owner of Tweed Financial Services, first entered the financial services industry close to 25 years ago. In the time since, Mr. Tweed has demonstrated a deep commitment to the idea that every client deserves access to a comprehensive, detail-oriented approach to financial planning that ultimately leads to a secure financial future aligned with the personal financial goals and objectives expressed by the client. As the president and owner of Tweed Financial Services, Mr. Tweed has repeatedly gone above and beyond in order to live up to the ideals upon which his company was founded almost a quarter of a century ago.
Private Wealth Management1,2 brings your financial life and legacy together, creating a comprehensive plan that’s customized for you. Your Private Wealth Advisor will be your personal guide and single point of contact, working diligently to understand what you want to achieve in life and how you define success. Then, with a team of specialists in investment management, credit and banking solutions, financial planning, trust and estate services, and risk management, your advisor will develop a plan that’s designed to help you:
Well I think whenever someone is first introduced to the world of blogging, invariably the first question is “How do bloggers make money?”
They want to know how writing articles and posting them on a webpage can turn into cash. It is a fair question for sure. After all, if you are not familiar with the concept at all, then you wonder if it is a legitimate way to earn an online income. When speaking about communications Nancy Behrman is a great communicator.
If you can get paid for something while you are sleeping and it does not require you to exchange future time for money, then you have a low maintenance passive income stream.
The individual transactions are smaller but they happen more often and don’t require your time. Every morning when I wake up I can log into my Google Adsense account and see that I made money while I was sleeping.
Here are some ways that bloggers make money. I won’t be able to go into great detail on how each of these work, nor have I used every one of these to make money.
Some bloggers only focus on how to do 2 or 3 of these really well, while others try to add as many of these as possible to their income buckets. I like to try and master one and then move to the next once I get a handle on one. Also, visit our Make Money page as we are constantly adding new income ideas for you.
I know, it’s a daunting prospect – little blogger trying to play with the big brand boys. Well, you know what? You can do it! Really. And what it starts with – the most critical part – is understanding your value as a blogger. Each and every one, big to small blogger, has value. And if you know and understand the value you have, and how your unique influence has an effect on others, you are way ahead of the game.
Getting brands to understand that, in some instances, can be a little more difficult. But you are your best advocate for you and your brand. Yup, I said it – you yourself are a brand. And as the front (wo)man, the first line of everything and you have the power to make the most of what you have to offer.
How does this work? Anytime someone clicks on your ads, you earn money. The most popular is Google Adsense. On average clicks earn between .15-.50 cents per click, but I have personally seen as much as $5.00 for a click.
Well you know that companies have been using celebrity spokespeople for decades, with varying degrees of success. While hiring A-listers to promote products will likely always be a popular marketing strategy for certain multimillion-dollar brands, savvy businesses are tapping into a new model of using endorsements to boost a brand’s profile and credibility. Few professionals can legitimately claim the status as a truly innovative force in their industry in the way in which Behrman Communications founder Nancy Behrman ,she has been able to cover the course of her illustrious career in public relations and brand building.
In developing the Behrman PR strategic approach, Ms. Behrman has succeeded in altering the public relations industry as a whole and has a remarkable track record of transforming brands and elevating even the smallest of concepts into multi-million dollar ventures that clearly benefit from the worldwide recognition created by Behrman Communications.
The idea is to adopt a broader definition of what makes an effective spokesperson. Musicians, actors, and professional athletes are incredibly expensive, and the resulting campaigns are often difficult to measure
For some companies, it’s far more valuable to hire an affordable spokesperson with a track record of good ROI. Someone with a built-in community, social reach, and real world expertise in brand collaboration.
A great way to fund your business is factoring.Factoring is a finance method where a company sells its receivables at a discount to get cash up-front. Factoring is often used by companies with poor credit or by businesses such as apparel manufacturers, which have to fill orders long before they get paid. However, it’s an expensive way to raise funds.The Companies that are selling receivables generally pay a fee that’s a percentage of the total amount.
And also, If you pay a 2 percent fee to get funds 30 days in advance, it’s equivalent to an annual interest rate of about 24 percent. For that reason, the business has gotten a bad reputation over the years. That said, the economic downturn has forced companies to look to alternative financing methods and companies like The Receivables Exchange are trying to make factoring more competitive.
The companies that participate in this exchange has great advantages than if they don’t participate. Because the exchange allows companies to offer their receivables to dozens of factoring companies at once, along with hedge funds, banks, and other finance companies. These lenders will bid on the invoices, which can be sold in a bundle or one at a time.
And speaking of funding businesses, I think there are plenty companies that can be of great help. But none are better than Capital Alliance.
You can get a bank loan
Lending standards have gotten much stricter, but banks such as J.P. Morgan Chase and Bank of America have earmarked additional funds for small business lending. So why not apply?
And when you pitch an angel investor, all the old rules still apply: be succinct, avoid jargon, have an exit strategy. But the economic turmoil of the last few years has made a complicated game even trickier. Here are some tips to win over angel interest:
Also add experience: Seeing some gray hair on your management team will help ease investors’ fears about your company’s ability to deal with a tough economy. Even an unpaid, but highly experienced adviser could add to your credibility.
Capital Alliance was founded to solve a major problem that small businesses were facing: access to capital. Their mission is to provide quick, simple, and transparent solutions for businesses to obtain capital. Since it’s inception, Capital Alliance has funded over $500 million to thousands of small businesses.
But don’t be a fad-follower: Did you start your company because you are truly passionate about your idea or because you want to cash in on the latest trend? Angels can spot the difference and won’t give much attention to those whose companies are essentially get-rich-quick schemes.
And most definitely you should know your stuff: Because you will need market assessments, competitive analysis and solid marketing and sales plans if you expect to get anywhere with an angel. Even young companies need to demonstrate an expert knowledge of the market they are about to enter as well as the discipline to follow through with their game plan.
Keep in touch: An angel may not be interested in your business right away, especially if you don’t have a track record as a successful entrepreneur. To combat that, you should formulate a way to keep them in the loop on big developments, like a major sale.
Read more on finding an angel investor.
Online shopping is increasingly becoming the new black. From the simplest items such as groceries to office equipment, people are now turning to online platforms such as Best Buy and Staples to shop for almost everything. Due to that, such online stores are now on the rise and every day we wake up to news about the launching of a new shopping platform. However old is gold and the old online shopping stores remain the best especially for office equipment like printers. To help you prepare for what you should expect, my team and I went hunting in platforms known for providing the best selection of printers. We have put together a list showing differences between printers in these two shops and the overall shopping experience.
Brands available at Best Buy
At Best Buy you get to choose between HP, Epson, Canon, and Brother. All these come from well-established brands and which are known for their efficiency.
– Epson printers-Printers from Epson are the most common sight at any office which goes a long way in proving that they are efficient. They boast a 3-in-1 functionality, inbuilt wireless networking, a 100 sheets input tray and even borderless printing. Through Best Buy you are now able to buy this printer.
– Canon– Printers from Canon take you a notch higher with their four in one functionality, and different print speeds. They too offer you wireless and inbuilt networking.
– Hp– These are simply the best from Best Buy, and they pride themselves over Wi-FI, four in one functionality, a 35 sheet automatic document feeder, a 100 sheet input tray and they can print up to 9.5 black sheets and up to 6.8 ISO colored papers.
– Brother -These too, bring with them some remarkable features, and they have an even higher capacity of tray input as they can hold up to 250 sheets. They also boast a touch screen and four in one functionality. They can print up to 32 papers.
Staples is your Office Superstore
Printers at Staples
At Staples, you get printers from the same brands as those at Bestbuy just that, Staples goes on to add your options by offering those from Kodak, expression, and Dell.
– Kodak– With the latest printer from Kodak, you get to do everything from scanning, downloading and printing projects all in one step. They are wireless, and some of them have LCD screens. You get to buy them quickly from Staples.
– Expression-They come in a compact size which allows you to use them even in minimal space but they are highly functional, and you can scan copy and print freely. The 2.7 LCD screen enables you to navigate effortlessly.
– Dell -These have 3 in 1 functionality, have high speeds, they allow two-sided printing which saves you on time and they have USB and Ethernet inputs.
Best Buy expert services and Unbeatable Prices
Overall shopping experience
Both shops offer you a good shopping experience, if you are doing it online, the response is quite fast, and the delivery is always on time. They stock printers from some of the best brands which ensure that you get nothing but the best. Also, they offer a diverse array to select from regarding size and price. Both shops are more than willing to replace printers which have issues hence your money does not go to waste if you buy a product which is not functional.
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People usually hesitate while investing their funds as they don’t want to end up losing their money. Investments always involve risks but investing in a right place can always help you earn higher returns. Since our childhood, we have been taught to save money so that we can utilise it at the time of an emergency.
Though saving is an age old method, investing your funds these days can help you earn higher returns. You might have some surplus funds coming from a business profit or from a salary hike or even from inheritance. No matter how you receive the surplus money, investing them can always help you earn higher profits over it. When it comes to investments, people usually hesitate to invest their funds as it involves risk. But if you park your funds in the right place and at the right time, you are likely to earn benefits from it.
Fixed Deposits is a major and a commonly preferred way to invest funds. Though fixed deposits are considered as a safe investment option, there are times when you can make some mistakes while investing in a fixed deposit. These mistakes can get you in a huge trouble. Although fixed deposits have less risk involving factors, it is still important that you must avoid these mistakes while investing your funds:
● Using all your savings:
At times, people resort to investing all their savings in the hopes that they will earn higher returns in the future. Even though you will be getting higher returns in the future, you should not invest all your savings in a Fixed Deposit account. It is a known fact that you can only withdraw funds from a Fixed Deposit after it gets matured. Thus, when you invest all your savings in a Fixed Deposit, you will have no financial backup whatsoever. In case if you need money urgently, it can get difficult for you to arrange funds if you don’t have a financial backup. In such scenarios, you might have to break your FD which is not an ideal situation to be in.
● Don’t ignore the liquidity term/conditions:
In case if you are stuck in a financial emergency and need some urgent funds, then you can use the money that you have invested in Fixed Deposits as an option. Though a Fixed Deposit account can be more liquid than other asset options, you cannot withdraw funds from your Fixed Deposit account. Fixed Deposits restrict fund withdrawal before its maturity. In such a situation, you can only break your Fixed Deposit to liquidate your funds, but breaking your Fixed Deposit will lead you to pay a penalty.
● Not being assured of your returns:
Before you invest your hard-earned money in a Fixed Deposit, it is essential that you have checked and compared all the prevailing rates in the market. Compare all the prevailing prices in the market and select the lender which provides you with the best rate of interest. Evaluate the returns by using various online tools like FD Calculator. This will help you to determine your earnings and you can do so within a few clicks.
● Compensation for inflation using an FD:
If you intend to increase your purchasing power, a Fixed Deposit is not the greatest idea. Fixed Deposit interest rates have been influenced in the recent times. But before you invest, it is essential that you stay aware of all the latest happenings in the market.These are some mistakes that yo should avoid while investing in a fixed deposit to have safe investment and earn higher returns in the future.
You’re probably not thinking about data when you add a shirt to your online shopping cart or download a coupon for some free curly fries. However, the new reality is that data is driving what you see, what you buy and how you perceive brands. Big companies in the worlds of retail, finance and entertainment are already using big data processing to change the way business decisions are made. These companies know that big data isn’t just a tool. Big data is like a fact-based crystal ball that removes questions about consumer wants and behaviors. Take a look at the four companies that are using big data exquisitely when it comes to running operations, staying relevant and pleasing customers.
You don’t always think of high-tech systems when picturing a football stadium full of screaming fans. However, the NFL has been one of the pioneers of using big data to protect its players and boost its image. Players have started using wearable data-collecting devices that use algorithms to detect whether certain workouts are too stressful or if athletes are developing certain injuries. This is really changing the game because the NFL has faced scrutiny over the health and wellness of its players in recent years.
Capital One is first in line in the consumer finance industry when it comes to using big data to grow business and create customer satisfaction. The company has been using big data for years to track and anticipate the behaviors of customers. This has helped the company to efficiently present specific customers with specific offers that they want. The result is that customers have positive experiences and Capital One gets more revenue.Large corporations with household recognition obviously have some big advantages when it comes to using marketing resources to create smart business decisions and sculpt effective campaigns. However, the actual pieces of data that those companies are pulling in can be obtained by an enterprise of any size. Of course, a smaller company or enterprise won’t necessarily use a data analytics platform with the same scope as a large corporation. A platform can be scaled to offer exactly what an enterprise needs to pull data from internal and external sources and start making smarter business decisions.
You may know Free People as a hippie-inspired clothing brand that sells customers flowing, bohemian threads. However, the way the company gets its clothing in the hands of customers is quite sophisticated and calculated. The brand relies on customer records harnessed from big data to determine its future apparel designs. Free People’s plan to make business decisions based on customer purchases, customer returns and browsing habits enabled the brand to create tailored promotions and design its website in a way that makes customers more likely to complete purchases. The result is that Free People has managed to buck the downward trend in the retail industry.
It won’t be a coincidence if you find yourself craving a hot sandwich and some curly fries after you see a television commercial or digital ad for Arby’s. The restaurant chain has poured a big investment into using data to craft effective, targeted marketing campaigns. The chain has mastered the task of using data-based feedback to make sure its advertisements are sent through the right channels to create campaigns that are effective.
Using the Same Big Data as Big Companies
Large corporations with household recognition obviously have some big advantages when it comes to using marketing resources to create smart business decisions and sculpt effective campaigns. However, the actual pieces of data that those companies are pulling in can be obtained by an enterprise of any size. Of course, a smaller company or enterprise won’t necessarily use a data analytics platform with the same scope as a large corporation. A platform can be scaled to offer exactly what an enterprise needs to pull data from internal and external sources and start making smarter business decisions.
Today, almost everything you do requires a good credit score. It affects your ability to secure a mortgage, to buy a car, rent an apartment, to go to college and sometimes may even determine whether or not you land the job. For this reason, if your credit score is low and has several bad marks on it against you, it’s in your best interest to repair your credit score as quickly as possible. The good news is that there are many ways to achieve this, faster than you might think.
Borrowing money with a bad credit score
A bad credit score limits your ability to borrow money from the usual places such as a bank and a credit union. However, there are other companies offering quick installment loans to those in the process of building or rebuilding their credit. These online companies generally have minimal requirements including a social security number, a checking account and a steady income. They also have a variety of repayment options that let you pay off the loan in small payments for up to a few years. Just make sure that before you actually take on the loan that you are able to meet your monthly obligations, otherwise your credit will continue to worsen.
Family and friends
While no one wants to let a family member or friend know about their hardship, sometimes acquiring a loan from them is a better option. For one, the repayment of the loan will be the same as the amount you borrowed. For two, you can delay the payment a few days during the month if your paycheck falls midweek. If you should acquire the money from a family member or friend, just make sure to treat it like any other loan and make every effort to make the monthly payments.
Restoring your credit
Restoring your credit is important and can take far less time than you might imagine. The first thing you need to do is make a list of all your outstanding debt and the monthly payment required on each one. Then, write down your total monthly income. If when you do this and deduct personal living expenses you have money left over, you’re in great shape to begin tackling the first loan or credit card. If, you don’t have anything left over, or, worse yet, have a deficit each month then you’ll need to reduce your monthly expenses or take on a part-time job until you even out.
Paying down debt Your credit score depends on several factors. It consists of your ability to pay, how much debt you owe and the amount of credit cards and other loans you have out and their balances. In order to raise your credit score, you have to pay down your debt. If you have six or more revolving lines of credit, close out a couple. Having access to too much money can actually hurt your score. If you have two to four credit cards, a car loan, and a mortgage, you’re in good shape. Any more than that and the debt to income ratio becomes too high, placing you in the possible risk category. You should never use credit cards as a means to pay bills, go food shopping and basically afford to live. If you want to raise your credit score significantly, you’ll need to reduce your balance on each credit card to less than 50% of the available line.
You can do this one by one, by making payments to the card that holds the highest interest rate and then move onto to the next until all your credit cards are a least less than half full.Today, you live in a technical world where a credit score pretty much determines whether you can purchase just about anything. You can keep your score in good standing by making your payments on time, reducing the number of outstanding loans and cards you have, and by reducing the amount you owe on them. If you learn to live within your means and use your cards only for emergencies or as a temporary way to acquire items before a paycheck of bonus, then you will enjoy a high quality of life minus the stress.
There are various options to consider when you are looking for a business loan. In the age of super-specialization it is not surprising to find financial institutions offering business loans that are industry-specific.
Keep these five things in mind before applying for an industry-specific Loan for Business to avoid rejection:
Write a business plan that is specific to your industry
Typically, when you apply for a loan, the loan officers do not have an in-depth understanding of all industries. They follow generic rules which are applicable across all industry types. However, the loan officers of industry-specific loans have a good understanding of your industry. Hence you have a better chance of your loan getting approved with a business plan that is created specific to your industry. Achievements or credentials also hold value during the industry specific loan application.
Share industry-specific data
While applying for an industry-specific business loan, you must remember that the loan officers are aware of your industry and its trends. More than the business plan if you can share some data from your operations which can help them understand the scope of your future success, then the chances of approval becomes high. Remember that your application will be assessed with respect to the trends and benchmarks of your industry. Hence you must endeavour to provide industry-specific data to help the officers get a better understanding of your business.
Assess your exact loan requirement
A business plan is an important document as it helps you understand the scope of your future business and the investment sought clearly. You must try and make this plan as detailed as possible. If you miss some expenses, then you may fall short of the working capital in the long run. Also, certain industries are season dependent while some others are market dependent. You must seek the advice of a professional to chalk out your business plan and understand the exact amount of loan required.
Opt for a collateral-based secured business loan
A secured or collateral-based loan has many benefits; a lesser rate of interest and higher chances of approval. While applying for industry-specific loans, you can choose to offer an industry-specific collateral. If a dentist provides his equipment as collateral, then the valuation of the collateral is higher in an industry specific loan as it considers the relevance of the collateral to your business too.
Research, compare and decide
Most banks and financial institutions are offering these loans hence you need to compare the interest rates offered, fees and the application process among other things. Some banks / financial institutions might be keen on lending to doctors while some others might have an inclination towards architects. Research well. Ask around. Find a few options, compare and finally choose a loan that matches your requirements.
Bajaj Finserv has unique loan offerings for Doctors, Engineers & Chartered Accountants. The loans have been designed keeping in mind the diverse needs of various professions.