Financing Solutions

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Where to Start! Certified Divorce Financial Analysts: Save Valuable Time and Money in a Divorce Process
written on May 13, 2011 by Frank Fantozzi
Financing Solutions

Here is a somewhat disheartening and sobering fact: the US Census Bureau estimates that there are currently 50 percent as many divorces as there are marriages.  The divorce rate has doubled from that of the early 70s.

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Ohio Business Lending Clearinghouse
written on October 18, 2010 by John Doucette
Financing Solutions

Earlier this month the State of Ohio launched a new web site that allows businesses to enter an initial application for a loan on line.  The information is communicated to participating banks and any lenders interested in the business will contact the applicant within 48 hours.

 

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SBA Microloans- Loans from Lenders You Never Heard Of
written on August 31, 2010 by John Doucette
Financing Solutions

One often overlooked source of capital for small businesses is the SBA Microloan Program. This program provides small, short-term loans to small businesses through designated intermediary lenders who make the lending decisions and administer the loans as well as provide management and technical assistance to the borrowers.

 

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The CIT Bankruptcy and its Impact on Small Businesses
written on November 05, 2009 by John Doucette
Financing Solutions

As many of you already know, CIT Financial, a major source of short term financing for small and medium sized businesses for over 100 years, filed for bankruptcy on November 1. http://www.cit.com/about-cit/restructuring/index.htm What effect will this have on the availability of working capital for companies like these? The popular media presents the usual gloom and doom scenario. My view is a little different. Here's why.

 

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Banks Increase Small Business Lending
written on August 24, 2009 by John Doucette
Financing Solutions

Two recent government surveys contain some positive news for business owners that need financing. My informal discussions with local bankers confirm what the surveys say. Coupled with other changes in SBA lending programs this could be a good time for some small businesses that need financing to go back to the banks.

 

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Easy Ways to Improve Cash Flow
written on January 02, 2009 by John Doucette
Financing Solutions

Every business that extends credit to its customers will find itself with substantial amounts of cash locked up in receivables. You have delivered your product or service but are still waiting to be paid while you have your own cash demands - payroll, suppliers, rent and so on. This cash flow trap can inhibit the growth of many companies.

 

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Turn Invoices into Cash
written on August 25, 2008 by John Doucette
Financing Solutions

Many businesses have opportunities for growth but are concerned about their ability to finance that growth. If I deliver more products and services will I be able to pay the employees and suppliers who provided these products and services while waiting 30 days (or more) to get paid by my customer?

 

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What to Do When the Bank Says NO An Overview of Alternative Sources of Capital
written on June 23, 2008 by John Doucette
Financing Solutions

Here's a familiar story. A small, growing business needs working capital to expand or cover operating expenses but gets turned down repeatedly by banks and investors. Does this business owner have any other options? In a word, YES!

 

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