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Small Business Financing

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My aunty has skill to make delicious brownie that I believe no one could make it except her. Well, she loves to cook since she was young girl. Recently she have an idea to make it as business since she already have so many orders from our relatives, friends and neighbors who impress with her brownie taste. She asks me to help her in finding small business financing that could help her to develop his potential business. I help her to get small business loan at EZUnsecured.com. I know EZUnsecured.com from my friend who gets the personal loans from there. I can say that what EZUnsecured.com do is so great since they help so many people including my aunty to get small business loans. A beginner in business like my aunty does not have enough experience in dealing with such kind of loan so I really suggest you to use EZUnsecured.com as your business partner. Applying small business loan at EZUnsecured.com is so easy, fast in process, fast in approval and so forth.

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Business Directories: The Place To List Your Local Small Business When Looking For Local Customers

Open Directory Project front page, January 2006Image via Wikipedia

One of the oldest and most effective ways to market yourself online is through local small business directory listings. Small business Internet marketing requires starting with a listing of your small business in the major general directories then listing them in niche and industry-specific directories appropriate to your small business. It is a time consuming process to list your small business in the right directories, but a necessary one to ensure good rankings for your website.

The most essential directory for your small business to be listed in is DMOZ, also called the Open Directory Project. All the major search engines, and most of the minor ones, rely on DMOZ, located at www.dmoz.org, for information on websites. Google gets information on every website it crawls from DMOZ.

You should also list your small business in Google Local and Yahoo Local. All you need to do to get listed with Google is to go to Google, click on the Local link and find the “add your business link.” For Yahoo, go to Yahoo, click on “Directory,” then click on “Submit Your Site” at the bottom of the page.

You can find other directories online by using Google or Yahoo. Type in “directory of directories” and you’ll get a list of small business directories, both paid and free, listed by state, industry, niche, and other categorizations. I recommend that you list in every directory that applies to your business. Here is a short list of local small business directory opportunities to help you attract local customers for your business:

www.dmoz.org
dir.yahoo.com
www.joeant.com
www.jayde.com
www.avivadirectory.com
www.goguides.com
www.botw.org

Some directories, like the Yahoo directory, charge, but it is well worth what you pay to be listed. Once you are included in Yahoo’s small business directory, you can bet your website will be indexed in the search engine as well.

There are three primary considerations for your small business when listing in directories online:

The directory’s PageRank

The directory’s age

Is your small business category available?

PageRank is important for SEO purposes. Internet marketing pros all recommend getting inbound links from websites with high PR. A website with a PR higher than yours will benefit you with valuable inbound links that will give you a boost in the search engines as well. The age of the directory makes it more valuable because you know that if the directory has been around for more than two years then it will likely be around next year. You can get information on PageRank and the age of various directories at http://www.seocompany.ca/directory/web-directories.html.

Don’t waste your time trying to get listed in a directory that doesn’t offer a category you’ll fit into. Be sure to browse the categories at any small business directories you consider before you list your business.

Two great sources for finding web directories for your small business Internet marketing efforts are www.dir-search.com and www.best-web-directories.com. The Best Web Directories website is perhaps the most comprehensive website for finding business directories online. If you want to find local customers through small business directories then I recommend these two resources for finding the best places online that list small business directories for your Internet marketing efforts.

One thing you’ll need to keep in mind – all directories are different. Nevertheless, you should write your business directory listing before you submit to any directories. Your local small business directory listing shouldn’t be too long, but it should include all the pertinent information: Your business name, your name, address, phone number, website address, e-mail address, and a short description of your business. In your business directory listing, be sure to use the best keyword two or three times to make your small business listing optimized for the search engines.

To find industry-specific or niche directories, go to DMOZ or one of the other general directories and search for your industry by keyword. Then do a keyword search at Google and Yahoo along with the keyword “directory.” This should return a good listing of directories for your industry or niche.

One other source for listing your local small business is the local chamber of commerce’s website. When you join your local chamber, they should list your website on theirs for free. The traffic you can get from this one source can be well worth joining the local chamber, and almost all of the traffic will be local customers looking for your type of business. The Yellow Pages online and www.merchantcircle.com are two other sources to consider for local small business Internet marketing. More and more people are looking online for small businesses to do business with and relying less on print publications like the Yellow Pages. That’s just one more reason to look for local small business directories to be listed in.

Caroline Melberg is President and CEO of Melberg Marketing. She has over 20 years of experience creating exciting marketing campaigns for some of the most successful companies in the world. She publishes the popular eZine, “Blue Chip Tips: The Secrets of Blue Chip Marketing…Revealed!” Learn more today at www.melberg.com.

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Small Business Grants - Business Grants - Government Grants For Small Business

Economy of American SamoaImage via Wikipedia

Are you an entrepreneur who needs a small business or business grant? Are you motivated and skilled enough to start a business of your own? Do you need free money to start a business but haven’t got a clue where to begin? Look no further; there’s hope for your business. As a motivation to business owners, the U.S. government will earmark millions of dollars in grant money to help small and personal businesses to flourish and grow. Every year there are millions of unclaimed dollars resulting from the lack of information about grants from the government. Thanks in large part to Matthew Lesko, the word has gone out about how to get government grant money for small businesses, education, paying bills, and more. Matthew Lesko is the writer of dozens of books educating individuals who are exactly like you on the way to obtain a small business grant through the government. The average individual may be leery about any chance or opportunity to receive free government money and might be asking the following questions: What’s the catch to being given a small business grant? How exactly does the government benefit from making investments in small businesses? How can I get more general information concerning small business grants?

It has been said that fifty percent of small businesses won’t make it beyond their first year. So why don’t small businesses succeed? A lack of experience and meager funding are a couple of the more customary reasons why small businesses won’t make it past their first year. Why would the government provide small business grants to assist entrepreneurs with initial start up costs if small businesses have such a high failure rate? How can the government have such a high interest in small and personal businesses? Actually, small businesses are said to represent 95% of all employers in the US. Furthermore, they supply fifty percent of our county’s gross domestic product. Grants for small businesses are provided to business owners in order to promote growth and improvement in the economy. Three forths of all new jobs in The U.S. are offered by small businesses.

The United States government doesn’t actually give out federal grants to begin a small business. The Small Business Administration (SBA) is a Federal government agency that advocates, protects the interests of, provides resources, and supports small business concerns. The federal government has left it up to local governments to appropriate funding using state grants to assist small businesses to thrive and grow. Small businesses are critical to the economic stability of the U.S.. Keeping this in mind, the SBA has a mission to devote both time and funding into assisting entrepreneurs and the self employed to start, develop, and advance small businesses. Providing support to new businesses by awarding small business grants is a tiny gesture when the economic growth and improvement of our country plays a part.

If you’re an entrepreneur, the government has small business grants in order to help your business to succeed. If you want some help finding small business grants, it would be a benefit to listen to what Matthew Lesko knows about free money that is made available that can help your business to grow and develop. His research shows that in excess of one million business owners obtain small business grants per year. These grants might be made available by way of your state’s local government. Keep in mind, that by helping small businesses to grow, the economy of the country can grow and flourish as well. Small business grants are an incentive to both the economy of the nation as a whole and to the entrepreneur. The more small businesses that are started, the more jobs will also be created. To secure the evolution of small businesses, the government helps provide small business grants as well as other resources that are needed for businesses to grow.

Mr. Lesko is a writer that has written and published numerous books on how to get government grants. He can show you how with information on small business grantsat http://www.matthew-lesko.com.

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VoIP Small Business/Home Business Advantage

The caller ID information is masked when a Sky...Image via Wikipedia

Small businesses, home-based businesses, and self-employed individuals have been turning to internet telephone service (also called broadband phone or VOIP) in droves. What is the attraction? As a self-employed, telecommuting, small-business-owning freelance writer, I can provide some insight.

I switched my business to internet phones early in 2005. Despite a few hiccups, I’m not going back to landlines. Internet phone service has too many advantages, which I’ll describe for you. I also have some tips for avoiding possible rough patches.

VOIP Internet Phone Small Business and SOHO Advantages

VOIP Advantage No. 1: Look bigger.

* If your small business has to seem large, a virtual PBX with a dial-by-name directory might help. These systems cost thousands to install. But many VOIP companies let you rent this service for less than a hundred dollars a month.

* Give each member of your team their own outside line. With most VOIP companies, each line costs around $10.

* Get one or more 1-800 numbers at around $10/month.

VOIP Advantage No 2. Freedom of movement.

* Freedom to travel. When I went to Sacramento to visit a friend, I ended up extending my stay to a whole month. I couldn’t have done that without regular phone access. With VOIP, my Massachusetts number follows me wherever I go.

* Tropical adventures. I regularly work with a virtual assistant company that takes phone calls on their Quebec phone number everyday. That wouldn’t be so strange except they’re in the Philippines. They’re using the same small business VOIP phone service sold right here in North America. True, VOIP companies don’t generally guarantee their services will work outside the country of purchase. But the internet is the internet, whether in Fargo or the South Pacific. With the growth of broadband to virtually every non-pariah nation on earth, your second office really could be in a tropical paradise–or year-round ski resort. Isn’t that the freedom you hoped being your own boss would bring?

* Telecommuting. Feel a cold coming? Work from home! With VOIP, even the receptionist may be able to telecommute!

* Voicemail by email. You don’t have to be by the phone to get voicemail. This is the perfect service for busy people and email addicts. Bonus: the message (in a file similar those used on MP3 players) can be stored indefinitely.

Internet Phone Advantage 3. Cost

* Make lots of calls? Many VOIP providers’ unlimited-calling plans cost just $20 to $80 a month.

* Features such as call waiting, caller ID, hold, call forwarding, and multiple ring-to numbers are usually costly extras with landline service. With most VOIP services, those are built-in features.

SOHO VOIP: Tips for Making it Work for Your Business

SOHO VOIP Tip 1. Test internet phoning out before committing.

Yes, some VOIP connections are so scratchy and patchy they sound like cell phones. That’s usually because of a problem in the internet connection. Such problems may not be apparent in ordinary web browsing and file downloading. Go with a service that has a 30-day money-back guarantee. Try VOIP out where you live and work. Make sure to try inbound and outbound calls.

Small Business Internet Phone Tip 2. Phoning from a laptop.

With VOIP telephones, you don’t need a computer. But you can use your computer as a phone. A piece of software called a “softphone” uses your computer’s speakers and microphone. If your laptop is running too many programs at once, calls will deteriorate. Higher-end laptops shouldn’t have this problem.

SOHO Internet Phones Tip 3. Go with an established VOIP company.

You don’t want to lose your telephone service and possibly your number. Yet only a few VOIP companies have roots before 2000. Choose a service with deep enough roots to survive a VOIP industry shake-out.

Small Biz Internet Phoning Tip 4. Choose a provider carefully before putting the number on your business cards.

Switching VOIP companies is at least as much of a pain as switching landline phone companies. In fact, there is typically no outward number-portability. You can bring a number in, but good luck taking it with you. Researching in early 2005, I found no nationwide VOIP services officially offering outward number portability.

Choose a VOIP provider with a 30-day money-back guarantee. Test the service out thoroughly. One thing is likely: you may want to switch VOIP providers, but you won’t want to go back to landline.

Joel Walsh, freelance writer and small business owner, recommends you check out Packet8, an established: VOIP service povider: http://www.packet8.net

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Small Business Investor - Small Check, Big Headache

Startup Financing CycleImage via Wikipedia

Small Business Investor - Small Check, Big Headache

I don’t know if there is some sort of mathematical equation you can put to this, but it would certainly appear that the smaller the investor’s check, the bigger the headache they become to an entrepreneur.

You might think the opposite would be true, that smaller investors would only expect to play a minor role in the business while the larger investors would make all of the important calls. What you’ll find in practice, though, is that raising and managing small chunks of capital from small investors is incredibly laborious while the more manageable investments come from much larger investors.

Less Money = More Time

Smaller business investors seem to have disproportionately more time to invest than they have money. These are the guys who are putting $5,000 into your company and think they’re Gordon Gekko, trying to run the company like some big time investor. All this extra time that they have to manage these investments actually sucks the life out of your deal because you have to constantly manage their expectations to the nth degree of detail.

Certainly getting help from a small business investor to grow your business is a nice thing, but not if it involves being micro-managed to death over every decision. A good small business investor will understand that their role is to invest in the company, not run the company. You want their invested capital working for your business, not another pseudo manager to contend with.

Small Checks Take Longer

Raising smaller amounts of capital doesn’t translate into reducing the time it takes to get a check. In fact, sometimes the smaller amounts take more time because the people writing those checks really can’t afford to invest (read: gamble) that money to begin with.

They need to be certain of every last aspect of the deal to the point where they over-analyze the deal completely. Before you know it, you’re jumping through all of these hoops over a few thousand dollars. It’s a huge waste of time.

Even if you do manage to land these small business investors, you can be certain he’s going to be on the phone with you every 15 minutes trying to get a status update on his investment. He’s got the time, and the investment is incredibly meaningful to his overall personal wealth. You’ve become his living, breathing stock ticker that he constantly wants to see updated.

Big Kids Run Faster

Believe it or not, it actually takes just as long to raise larger amounts of capital as it does smaller amounts. That’s because the larger investors (the big kids) tend to have less time to spend on any one deal. They have lots of deals to choose from, so they have to get to the point quickly and make a decision quickly.

For an entrepreneur raising capital, this is the best thing in the world. Ideally you want as much flexibility with the capital that you raise as you can muster. You want an investor who pays attention to the important points of your growth, like monthly earnings, not daily expenses. That’s what you’re there for!

That’s why a bigger investor is usually a much better option when raising capital. They can make decisions about the investment faster, they can fill up your investment requirements faster, and they can leave you the heck alone so that you can grow the company a lot faster.

Too many cooks in the kitchen

With fewer small business investors you also overcome the problem of “too many cooks in the kitchen”. Startup companies need to make lots of decisions very quickly and decisively. The company runs a lot better as a dictatorship than a democracy. The more votes you create by adding more investors the longer the process becomes to make a decision.

You can overcome this problem by giving certain small business investors “voting rights” and giving other small business investors the right to keep quiet, but don’t kid yourself – you’re going to hear from the guys who don’t have voting rights whether you like it or not. So the best antidote is to simply have less people at the decision table.

Less is More

As you’re thinking about raising your next round of capital, don’t think in terms of lots of small business investors with a little capital – think in terms of one (or two) investors with a whole lot of capital. You don’t score any additional points for racking up the greatest number of investors. If there are any points to be scored, it’s from getting as few investors as possible in order to get your requirements fulfilled.

When growing a new business, every moment of your time has an incredible amount of value. The more time you spend placating overzealous small business investors, the less time you spend doing what you all came there to do in the first place – growing the company!

Wil Schroter’s latest book “Go BIG or Go HOME – How the next generation of startup companies think BIG, grow FAST, and dominate markets overnight” is available at www.WilSchroter.com

Wil Schroter is the Founder and CEO of the Go BIG Network, the largest network of startup companies and entrepreneurs. He is also the author of the new book “Go BIG or Go HOME”, download it for FREE at http://www.gobignetwork.com

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