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Joseph Lizio Articles

Guest post by: Joseph Lizio

Start-Up Business Financing – Look To Crowd Funding - Click To Read Article
Free money for your start-up business? Don’t laugh. It is out there and might be right where both you and your potential customers spend a lot of time.

How To Really Finance A Start-Up Business – 3 Simple Ways - Click To Read Article
Financing a start-up business is not easy. In fact, it is down right hard. But, it does not have to be impossible and here are 3 ways to get your small business off the ground.

When You Can’t Pay Your Business Loan – 3 Steps To Take Immediately - Click To Read Article
Your business received a business loan but you can’t pay it back. What are your choices in this matter? Here are three steps to take right now.

Indirectly Accessing Government Grants - Click To Read Article
Businesses seeking government grants soon find out that they cannot access these grant directly. They just do not work that way. But, knowing how they work, you might be able to access them indirectly.

Offering Discounts During Slow Times - Click To Read Article
Business is slow and you are thinking about offering discounts to boost sales. While discounts can easily increase revenue in the short-term, if certain guidelines are not follow, these same discounts could hurt your business long-term.

Using Your Loan Term To Your Advantage - Click To Read Article
Most entrepreneurs, when seeking a business loan, take what they can get. But, to protect yourself, focus on the loan term and the benefits it provides.

Cheap Business Loans? - Click To Read Article
Every business owner is looking for Cheap Business Loans. But, what really is a cheap business loan? It might not have to do so much with the interest rate as you think.

Financing Your Business Without A Business Loan - Click To Read Article
No interest payments, no credit checks, no collateral and no income verification business loans. Financing your business might not be as hard as you think. Invest in yourself.

Low Interest Business Loans? - Click To Read Article
We all want a low interest business loan but seeking one only for that purpose may not be in the best interest of our business. Find out how to protect yourself.

6 Steps to Creating The Perfect Business Loan Package - Click To Read Article
Even as our economy recovers, business loans will not get any easier to get. To succeed, you have to prepare a winning loan package well in advance.

Finding New Financing From Your Vendors - Click To Read Article
Your vendor just might be willing to finance your small, growing business. In fact, many vendors will provide direct loans to companies just like yours.

Business Tax Tips - By Business Money Today - Click To Read Article
Many business owners focus on generating revenue growth but find themselves in trouble with the IRS. Here are some simple tips to help avoid future tax trouble.

Getting Investors to Notice Your Business - Click To Read Article
Seeking private investment in your business but not getting noticed by investors, maybe you are not seeking the right introduction. Try something that works.

Business Loan: The Debt to Equity Ratio - Click To Read Article
So, your business and personal credit is OK and your have solid cash flow, yet your bank keeps refusing your business loan application. Find out why.

Improve Your Business Cash Flow While Extending Credit To Customers - Click To Read Article
Extending credit to customers can put your business in a cash flow bind. But, there are a few tips to negate these negative impacts.

Seeking A Business Loan – Bank Loan vs Non-Bank Loan - Click To Read Article
There are new non-bank lenders stepping up to fill the small business funding gap with products that are specifically designed for new, young or growing businesses.

Still Can’t Get A Business Loan? - Click To Read Article
Most small businesses still can’t seem to get that needed business loan. Well, if what you are doing is not working, try something else. Here’s why.

Sales Are Increasing But Revenue Remain Stagnate – 3 ways to improve - Click To Read Article
Heard the term growing your business broke? It happens each and everyday to great businesses who don't manage their working capital and cash flow. Don’t fall into this trap – here is how to avoid it.

Export Financing - Click To Read Article
While the U.S. economy continues to struggle, businesses may find that new opportunities exist through exporting goods into foreign markets.

Pricing Your Products – Four Tips of the Trade - Click To Read Article
Pricing is one of the hardest issues many businesses will face. Set prices too high and you lose customers. Set them too low and you won’t be able to cover your own costs. The goal is to find that delicate balance and here are four tips in doing so.

Business Loans: Financing Your Franchise - Click To Read Article
Franchises are a great way to jump into business. They have proven business models, strong brand awareness and a wealth of information that takes years to build. But, financing a franchise still remains tight in this economy; here are some tips.

Push and Pull Marketing - Click To Read Article
If you want your marketing efforts to get the greatest return, then you have to understand your customers. First pull data from them about your business, their needs and where they get their information, then push your message back to them.

Using Business Loan Brokers, Is It Worth It? - Click To Read Article
Should you, when seeking financing, use a business loan broker? Yes, if you understand how they operate and use that knowledge to your benefit. Your business might even be able to save a bit of cost in the process by letting the broker work for you.

Entrepreneurial Ways to New Small Business Loans - Click To Read Article
Banks and traditional business lenders no longer provide the benefits they once did regarding business loans and access to capital by small businesses. However, out of this crisis there are emerging new entrepreneurial firms looking to fill the gap.

Alternative Financing You May Not Have Heard Of - Click To Read Article
Need capital but being told no by every financial institution you approach. It does not have to be that way if you understand how alternative financing can work for you. Here’s how to get capital regardless of your business and personal credit history.

Paying Oneself As An Entrepreneur - Click To Read Article
Many business owners are under the impression that they can take money out of their businesses as soon as their doors open. This is not good financial management. There is a point that rewards can be realized, you just have to know where that point is.

You Support Your Community; They May Finance Your Business In Return - Click To Read Article
Most businesses that support their communities may not realize that their very same community may be able to support them back through a little known but very powerful source of capital for businesses may lay right under their very noses.

Working Capital Financing - Click To Read Article
Businesses today are finding themselves short of cash for a myriad of reasons and are seeking new ways secure needed working capital. But, to succeed, businesses must first understand how working capital works in conjunction with their operating cycle.

Seeking Business Capital in This Market, Time to Get Creative - Click To Read Article
Still struggling to find a loan for your business? If what you have been doing is not working, try something else. Here are some tips to get you off the wrong track and focused on getting the capital you need for your business.

Pricing One’s Products and Services - Click To Read Article
Setting one’s prices is a never-ending struggle for business owners. Buyer’s behaviors change nearly as fast as the weather. But, by better understanding how and why customers value and purchase products may take some of the pricing dilemma away.

So, You’ve Made It – But, How Well Is Your Business Doing? - Click To Read Article
Ever wonder if your business is doing as good as it can? What about understanding if your business is doing as well as your competition? Or, if your business is squeezing the most profits out of the assets and resources it currently has?

Hiring Employees Is More Than Just Paying Salaries - Click To Read Article
Hiring employees is more than just paying a wage as it also involves additional expenses Federal and State mandated taxes – all of which really add up. In fact, these additional fees can related to more than 30% above the employee’s base wage rate.

0% Financing May Not Be The Best Deal - Click To Read Article
Auto makers try to entice vehicle buyers with fancy financing options like 0% deals. But, while these may look good, a car buyer should always properly compare all options as it is usually the options not being showcased that offers the best benefits.

Grants For Business Owners – Do they exist? - Click To Read Article
Grants can be a great way to fund a growing company. But, grants are not available to most businesses; they are just not designed that way. However, with the right research and looking in the right directions, there are still grant funds to be had.

Start-up your small business - 5 steps - Click To Read Article
Starting a small business can be a daunting task for a new entrepreneur. But, there are a few simple steps that you can take to help ensure your success. Incorporate these steps into your early development and you will be on your way to financial freedom.

Refinancing Existing Loans Equals Big Savings - Click To Read Article
Business owners are struggling to find new ways to save their business, cut expanses or grow. Laying off employees only hurts operations. Trying to get better terms from vendors or suppliers who are also struggling. Or, fighting to get new customers. All of which is not working. There is one more way – refinancing existing debt.

Searching For A Business Idea – Do What You Were Born To Do - Click To Read Article
There are as many reasons that individuals pick certain businesses over others as there are business failures. But, choosing the right business idea and its path may be as simple as looking within yourself.

Small Business Loans: Conversion of Assets - Click To Read Article
As more and more businesses are being turned down by banks and other financial institutions based on stringent requirement like credit and profitability, there still remain several alternative, viable financing options for your small businesses.

Orders in Hand Can Be Better Than Revenue When Seeking Financing - Click To Read Article
Most lenders and investors want to see a proven track record for your business. Usually this comes in the form of current revenue. But, there are other ways like instead of selling to an unproven idea to a lender, sell it to your customers first.

Prepare Your Business for the New Lending Market - Click To Read Article
Banking and overall lending have changed. It has gone back to sound banking policies and requirements. Which means many businesses hurt by this economy will not qualify for any lending or business loans. But, it does not have to remain that way!

Control Spending and Increase Your Profits - Click To Read Article
The goal of any business is to make money. But, you have to spend money to make money. Those businesses that become the most successful understand how to properly spend within their organization to generate the greatest return. Here’s how.

Meshing Customer Service with Marketing to Increase Revenue - Click To Read Article
Customer service has a bad reputation as its costs seem to be greater than its benefits. But, it does not have to be this way. There are easy ways to combine your marketing with your customer service to increase your business’s revenues and profit.

Putting the Cart Before the Horse – Financing Your Business - Click To Read Article
While it may seem the practical choice to seek financing for your business before you need it, banks and other lenders, in providing capital to business owners, want to see you take the bulk of the risk, first. If you do so, the financing will quickly follow.

Tired of hearing ‘NO’ when seeking funding for your start-up? - Click To Read Article
Turn a ‘no’ into a ‘yes’ by following a few simple concepts in financing your new business. Start-ups need money but they don’t need it all at one time – figure out how to get only what you need – when your small business need it!

You Can Access Government Grants, You Just Have To Understand The Game - Click To Read Article
Business owners, seeking government grants for their businesses, soon find out that they cannot access these grant directly. It does work that way. But, that does not mean it is impossible to access these grants, if you just know how they actually work.

Financing Your Business In 2010 – 3 rules that have changed - Click To Read Article
The rules of business financing have changed and will continue to evolve in this new year. But, that does not mean that financing your business will be impossible. It only means that you have to understand these new rules and work within them.

The Forgotten Side of Bootstrapping a Business - Click To Read Article
Bootstrapping can mean many things to different people but the overall idea is to find simple, off the shelf, ways of raising needed capital to start, run or grow a business. However, raising money may not be the only way to bootstrap your business.

Deducting Start-up Costs from Your Business or Personal Taxes - Click To Read Article
Starting a business can be expensive for new entrepreneurs. But, the good news is that these expenses both start up and organizations costs can be written off provided the business owners understands and follows the tax rules related to these costs.

Some Business Tax Tips for 2010 - Click To Read Article
The New Year means your business taxes are due. With the recent financial turmoil and our governments trying to find new ways to increase their own revenue, your business may be blindsided by your tax obligations. Here are few tips to keep in mind.

The New Lenders On The Block - Click To Read Article
While traditional credit remains tight for small businesses, other entrepreneurial lenders are stepping in to fill this void. While not set up like most lending products, they still provide businesses with capital they might not have received otherwise.

Does Your Small Business Need A Bailout? - Click To Read Article
Struggling to make your current loan payments? What about payments to your suppliers or venders. Is your business’s revenue down while costs are up? Know that you are not alone and that there may be some Federal stimulus money to help you out.

Read The Fine Print! - Click To Read Article
More and more businesses are wasting time and facing increased costs, simply because they are not reading contracts. In business you have to protect yourself and your assets as more service providers are hiding potential threats in the fine print.

Bootstrap Financing – 4 common ways and 3 uncommon ways - Click To Read Article
Start up businesses struggle finding capital to launch their business. Banks won’t touch them and they usually don’t have the personal strength to qualify for SBA or similar loan products. But, that does not mean they have to give up on their dream.

What’s a small business to do regarding financing? - Click To Read Article
Banks continue to ignore small business borrowers. Even with signs of a recovery, they still are not lending. It isn’t your fault! And, there are things you can do about it.

What Bankers Look For And Why - Click To Read Article
There is a plethora of commercial loan products for businesses, small and large. While each may have their own terms and conditions, all lenders ‘first’ must be confident in the borrower’s ability and willingness to repay the loan.

Understand your business’s cash flow and grow your profits - Click To Read Article
By not understanding your business’s cash flow – what it costs to obtain revenue and where those funds end up – will only lead to the decline and demise of your business efforts. If you want to increase profits, you have to manage your business finances.

There Is Such A Thing As A Free Lunch! - Click To Read Article
Do you know how you can build word of mouth buzz about your company and get a free lunch out of the deal. Use this great method for marketing your business locally. What is the worst that can happen; you get a free meal out of it?

Three Pros of Debt Consolidation - Click To Read Article
Improving your credit by taking control of your debt can have a dramatically positive impact on both your personal life and your business. Here are some the benefits.

The Rule of 3 for Business Survival - Click To Read Article
Just like the 3 rules of personal survival, there are 3 simple rules a business can follow to ensure its long-term success. These rules will not only help ensure your business survival but will help it grow in the near future as well.

The One Key to Business Success! - And three simple ways to do it. - Click To Read Article
Want the one key to ensure your business success? Find it here – it may be simpler then you think!

The Fallacy of Bank Lending - Click To Read Article
If banks really want to compete and grow though increased customer acquisition and market share, then they will quit ignoring small business customers. It is a true fallacy of banks to continue to ignore this important and very large market segment.

Taking debt now does not mean it is forever - Click To Read Article
Banks turning you down but you don’t want to use those seemingly high priced alternative financing companies to get capital for your business? There are ways to use these products (for a short period) to get what your business wants and needs right now.

Tapping Friends and Family for Small Business Financing - Click To Read Article
Most new business owners shy away from their friends and family (F&F) when starting their new business. They usually do so because they know that their F&F do not have the money to invest. But, these same F&F may have more than capital to help aspiring entrepreneurs.

Set your business apart with little expense and effort - Click To Read Article
Losing customers? Having a hard time attracting new customers? Maybe it has to do with the level of customer service you provide. Treat your customers right and not only will they be loyal but will also be more willing to purchase more for your business.

Repairing Your Own Credit - Click To Read Article
According to the FTC, don’t waste your time and money with these quick credit fix companies that make those too good to be true claims. You are better off finding and learning ways to fix your own credit. It is the only way you will get a true guarantee!

Retirement put on hold: Option, start your own business - Click To Read Article
Are you in retirement or approaching retirement? Fearful of being able to survive and maintain your lifestyle? Instead of trying to say in the work place, think self-employment.

Pay-For-Performance - Click To Read Article
Still facing the realities of this recession? Contemplating laying-off employees while knowing that doing so will further hurt the business? Using pay-for-performance plans may just save your employees and better position your business for the recovery when it finally arrives.

Position Your Business Today For Success Tomorrow – 5 simple ways - Click To Read Article
All markets have upsides and downsides. But, regardless of the state of the market, there are always opportunities that business owners can take advantage of to grow their businesses. Through these growth opportunities, business owners can better position themselves for future success.

Know your customers and increase your profits - Click To Read Article
Every wonder how your business can improve? Or, do you see your competitors striving ahead while your business gets left behind! There is a simple fix and it all begins with knowing your customers.

How To Get Capital For Your Business - Click To Read Article
You need funds to grow or start your business but your bank keeps saying no. There are other ways like matching your need to a specific lender or loan type. This reduces the overall risk and helps with your approval.

Financing your new business: Orders vs. Cash - Click To Read Article
Most new business owners waste unnecessary time in trying to raise capital before starting their business. What they end up doing is wasting time and money. There are other ways; essentially building the business first then seek financing.

Financing your start-up - tranche your funding requests! - Click To Read Article
One fatal mistake that nearly all new small businesses make when seeking capital is asking for too much up front. You must lower the risk by demonstrating your business and capital management skills. Find out how …

Financing Your Business In 2010 - Click To Read Article
Unlike 2009, finding capital or credit for your business in the coming year will not be easy but not impossible either. As a borrower, you must first understand the new lending rules then work to make your business fit those rules. It is that easy!

Business Plans: To Have or Have Not - Click To Read Article
Business plans – should a new start-up business have one or not? Business plans are great tools for the business owner. Keeping this in mind and using this tool to your benefit can not only help your business grow but reduce the intimidation factor.

Business Financing Does Not Have To Be Frustrating - Click To Read Article
The vast majority of small businesses who approach their bank for funding get turned down. This can be extremely frustrating for business owners. But, banks do not have to be your only option. There are specialist lenders that can better meet your needs and love to say yes.

Building Brand Awareness – Use all 5 Senses - Click To Read Article
There is a lot of advertising noise in today’s world. But, it is this advertising that builds company brand awareness. Given all this noise, how can a small business build awareness in its customers while not getting lost? Think about the 5 senses.

5 Steps that Improve Cash Flow - Click To Read Article
In down economies, cash is king. It is cash, not sales, that a businesses use to pay bills, meet payroll, service debt, and build growth. Here are five simple steps to improve your businesses cash flow.





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