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Less than two weeks after earning his first career Cup victory, Tyler Reddick says he’ll be leaving Richard Childress Racing to join 23XI Racing for the 2024 season.
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Collateral loans can allow you to get better rates and terms on business funding. Prime assets for collateral include inventory, equipment, real estate, and investments. Often, the asset you are financing itself can be used as collateral. As a result, you can get what you need without depleting cash reserves.
According to Investopedia, collateral is:
“…an asset that a lender accepts as security for a loan. Collateral may take the form of real estate or other kinds of assets, depending on the purpose of the loan. The collateral acts as a form of protection for the lender. That is, if the borrower defaults on their loan payments, the lender can seize the collateral and sell it to recoup some or all of its losses.”
Now, here are some examples of collateral loans.
You can use the inventory you want to sell as collateral for a loan to buy the inventory!
Inventory collateral loans can be in the form of a revolving line of credit or a short-term loan. The funds can purchase products for resale. In fact, the products typically serve as the collateral for the loan.
Of course, there may be restrictions on the type of inventory you can use. For example This not allowing cannabis, alcohol, firearms, or perishable goods is common. Also, there can also be revenue requirements or a minimum FICO score.
Interestingly, Kickfurther is a combination of inventory financing and crowdfunding. With this platform, you get financing from supporters and fundraise directly to them. They buy through what’s called a Consignment Opportunity.
Consequently, your customers own the products they help fund. That is, until they are sold by the brand. As soon as the products sell, the customer earns payments. Kickfurther also offers an online store for businesses to market and sell their products. It is possible to get funding for up to $2 million in inventory.
Payback terms will vary. However, at the end of each sales period you submit sales reports and provide payment for inventory sold. Furthermore, you must provide a monthly accounting of current inventory levels.
There are several ways to use equipment to get collateral loans.
These are collateral loans you can use to purchase hard assets for your business. Terms for equipment financing through Credit Suite are as follows:
In contrast, you can also lease equipment rather than buy it outright. Often, you will put down less money than you would if you were buying. In addition, you may be able to negotiate flexible terms with an equipment lease.
Even better, it’s easy to upgrade equipment after your lease ends. Of course, this is helpful if your equipment is something like a computer which quickly becomes obsolete.
You can also use equipment you already own as collateral. Basically, you sell equipment to a lender for cash, and then lease it back from them. As a bonus, this lets you unlock Section 179 tax savings and depreciate your entire equipment purchase in the first year.
Of course, term lengths and the amount you can finance will vary. First, you need at least one larger piece of higher value equipment to qualify. Then, you can get funding in as little as 3 weeks. Generally, a lender just wants to be sure your equipment does not have any liens against it.
If you have investments, you can use them to gain access to funding for your business through collateral loans without worrying about credit scores.
IRA financing allows you to invest a portion of your retirement funds into your business. The result is, you gain more control over the performance of your retirement plan assets. At the same time, you get access to the working capital you need for business growth.
Usually, you will work with a CPA who will help you. You can cash out the lesser of half or $50,000 from an account that qualifies. If applicable, the CPA you work with will structure a self-directing IRA for the remaining funds.
Some lenders will make loans using securities as collateral. You can use the funds for almost any purpose. This includes buying real estate or investing in a business. The only restrictions to this kind of lending are other securities transactions, like buying shares or repaying a margin loan.
Also, you continue to earn interest on the stocks, and rates can be as low as 1.6%.
Typically, bonds financing is available through large financial institutions and private banks. In general, those that look for these kinds of loans want to make a large business acquisition. Or, they may want to execute large transactions like real estate purchases. In this type of funding, the borrower’s investment portfolio helps the lender determine how much to loan.
Most investment-grade corporate, treasury, municipal, and government agency bonds are fair game. You keep all the interest and appreciation from your securities. To qualify, all the lender will require is a copy of your two most recent securities statements.
If your stocks or bonds have a value over $25,000, you can get approval. Even bad personal credit isn’t an issue.
To be fair, this is not a loan. You will not have to pay an early withdrawal fee or a tax penalty. The plan, rather than the individual, owns the trade or business through its company stock investments. Since it isn’t a loan against your 401(k), there’s no interest to pay. Instead, this is actually a change of ownership.
Still, it is business funding you can get using investments, so it bears mentioning.
Officially, the name for this type of funding is a 401(k) Rollover for Working Capital program. The IRS calls it a Rollover for Business Startups (ROBS). Per the IRS, a ROBS qualified plan is a separate entity with its own set of requirements.
Credit Suite 401(k) Rollover for Working Capital program highlights:
Honestly, collateral loans open up a whole world of funding you may not be able to get otherwise. One benefit is, it’s typically available regardless of credit history. Better yet, the terms and rates can’t be beat. If you have the option, depending on the need and the situation, collateral loans may just be what you are looking for.
The post 3 Types of Collateral Loans to Fund Your Business Now appeared first on Credit Suite.
Small businesses are often at the greatest risk of cyberattacks because of their lack of resources and inability to invest in cybersecurity. However, with limited ability to protect the network from malware, ransomware, trojans and viruses, these attacks could lead to financial ruin.
Learn about the risks you can face if you do not prioritize cybersecurity.
The risks of not having adequate cybersecurity include the cybercriminal being able to access the following sensitive information:
These risks have a serious impact on the company and can cause the entire business to fold if attacks are successful.
Credit Line Hybrid Financing: Get up to $150,000 in financing so your business can thrive.
The primary effect of a cyberattack involves financial damage. But these incidents can also cause irreparable harm to the company’s reputation. Some cybercriminals are looking to steal data rather than usernames or passwords. This may lead to identity theft or a ransomware attack that locks down all computers until the demand for monetary compensation is met. If you have to tell customers there was a breach, this can damage the company’s reputation. You may need identity monitoring for customers or employees to protect possible loss of credit details and personal identifiable information.
The susceptibility of a small business lies in the lack of properly secured computers, networks, and systems. However, there are many other reasons why they are targeted, including:
Adequate cybersecurity requires an understanding of what is lacking in securing your network. Having a dedicated IT team to support the company is vital. But it is not cheap. Boosting the business in this way requires covering the basics in software and hardware to defend against threats. And the company needs a business-wide policy on cybersecurity and employee education about possible cyber threats. This education should include how to handle mobile devices while on company grounds and away from them.
Keep security infrastructure up to date by automatically installing updates to your software. Continue improving and learn how to ensure software can spot possible problems. contingency plan in place. Business identity monitoring services can scan the dark web. They can look for stolen usernames, passwords, and personal identifiable information. Every business should have a response plan in place in case of a cyber attack.
Credit Line Hybrid Financing: Get up to $150,000 in financing so your business can thrive.
If your employees and stakeholders are not aware of the potential risks, they are more likely to fall prey to cyberattacks. Here are some common myths that prevent businesses from taking cybersecurity concerns seriously:
Credit Line Hybrid Financing: Get up to $150,000 in financing so your business can thrive.
Cybersecurity is a vital part of any business. But with proper protocols in place, a plan, and a team dedicated to protecting the company, you can safeguard company information from many breaches. Also, always stay updated and remain informed of the newest changes in data security.
David Lukić is an information privacy, security and compliance consultant at IDstrong.com. The passion to make cyber security accessible and interesting has led David to share all the knowledge he has.
The post Why Small Businesses Should Invest in Cybersecurity appeared first on Credit Suite.
Let’s say a lot of people from your area are checking out your business online, and in-store sales are through the roof thanks to your local search rankings.
Then comes a problem: You decide to move to a new location.
In addition to the logistical factors associated with moving your business, you also need to think about the successful local SEO strategy you worked so hard to build. Can you imagine all your efforts going down the drain and having to start a campaign from scratch?
This is where local SEO comes in. The goal of local SEO is to have businesses to rank for queries with a geographic component.
Let’s go through the steps you’ll want to follow to maintain local SEO gains after you relocate your business.
There’s no magic potion to help you transfer your local SEO gains when you move to a new location.
It may be easy to update the location on your Google My Business listing and assume it’ll automatically change the whole strategy.
Unfortunately, it doesn’t work that way.
Google pulls information from infinite sources across the internet. If you only update your business name, address, and phone number (NAP) in one place, you’ll create inconsistencies in your local SEO, as other sources will feed Google the wrong information.
All the local citations about a business need to be consistent across the internet, as two different NAPs will give Google the impression of two separate businesses.
As a result, your local SEO efforts will be disjointed, potentially lowering your local rankings.
In addition, customers looking for your business rely on NAP information. If it’s inconsistent, you may lose them as they won’t know exactly where to find you.
To avoid all these issues when you relocate, be proactive, and take control of all your local listings.
If your local SEO campaign is still new when you’re relocating, you likely won’t need to change your information in many places. Keep an inventory of every site where your business has a listing to make sure the information matches across the board.
What if the campaign has been in place for a few years?
Hopefully, you already have that inventory to refer to. If not, you’ll need to find all the sites where your business is listed and build that inventory as you go. Then you’ll know where to update your NAP and other information after the move, and prevent inconsistent listings.
The good news is, you don’t have to perform hundreds of search queries to find all your business listings. Tools like Moz’s Check Your Online Presence can do the heavy lifting for you.
Check out these online presence results for the Darling Advertising Agency in New York:
Those stats break down as follows:
If your search returns a lot of those red X’s, you have some work to do.
Moving your business can be hectic, but set aside some time to manage your Local SEO to preserve your rankings and help customers find you in your new location.
Just as your new space will be your physical location, your website is your virtual real estate. Keeping it updated is crucial to maintaining your traffic, both online and in person.
You likely have your NAP listed on your contact page, but if it appears anywhere else on the site, make sure you update every instance. That information may also appear in your site’s footer. The good thing about that is, you can update it once, and it will be correct on every page of your site.
You can also add an image or two of the new location to your contact page to help your customers know what to look for on their first visit to the new spot.
Also, consider writing a brief blog post about the move. You can include more images here.
Don’t forget about the schema markup! Rather than sifting through your site’s code, you can check all your site’s structured data with Google’s Structured Data Testing Tool.
You may also want to include detailed directions to the new store. The best way to do this is to embed a map on your contact page. Roughly 86% of people look up business locations on Google Maps. Embedding it on your site will save your customers from having to look it up themselves. Plus, it can help make your contact page more attractive and useful, like Third Rail Coffee’s page:
The more information you can provide to your site visitors, and the easier you can make things for them, the more likely they’ll be to follow you to your new location.
Unless you’re moving to a brand-new location, there’s a chance another company previously occupied the spot.
Check for old listings. You may be surprised to find more than one listing already in existence. It’s pretty common since small businesses often move as they grow.
You’ll want to clear all these listings attached to your new location to prevent any confusion and to make sure your business is the only one showing up in searches attached to that location.
It’s especially important to clear out any old businesses because if you try to add a location already verified in Google My Business, it won’t appear because it will be flagged as a duplicate location in your account.
If this happens, you’ll see it listed as “Access needed,” which will tell you some other business verified this location previously.
Google has clear instructions on how to remedy the situation, but if all else fails, it might be easier to contact the other companies that occupied that location and ask them to remove their listing.
Now that you’ve cleared any previous listings under your location, make sure your listing is updated.
Log into your Google My Business account, and check the pin marker to confirm it’s moved. In most cases, it’ll shift automatically. If it doesn’t, Google may send a postcard to verify the new location.
The older your business is, the more online listings it probably has, which means the more listings you need to update.
You can use a tool like Whitespark’s Local Citation Finder to find and update dozens of listings:
Some businesses have niche-specific directories such as Healthgrades for medical practitioners, HomeAdvisor for home improvement professionals, and Avvo for lawyers.
These listings carry a lot of weight so if they apply to your business, definitely make sure you keep them updated.
Every few weeks, look for any duplicate listings that may have popped up. Mistakes happen all the time. Google may create a listing from old data so stay on top of things to keep such errors from affecting your rankings and confusing your customers.
Once you’re settled in the new location, and your local listings are updated, you can start working on your local SEO again.
Solicit reviews from customers, keep your website updated, and use keywords consistent with the new place. This is critical if you’ve moved to a new town.
Connect with local people through your social media account to build rapport with your followers to help attract local customers. People want to visit businesses that are engaged with and care about their community.
Successful local SEO is all about attention to detail. Stay on top of your location information, wherever it appears online, and you’ll see less fluctuation in your rankings and foot traffic when your business moves.
You’ll also be better placed to compete with the businesses around you. More importantly, people will find your store, and you’ll hold onto those valuable customers.
Have you ever moved your business? Did it affect your local SEO?
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Just How To Start Investing In The Stock Market The very best method to begin purchasing the securities market is to select a location of competence. When you begin purchasing the stock exchange, you intend to choose from firms that do organisation in an area with which you are currently acquainted, or that sell a …
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Location: Salt Lake City, UT, USA
Remote: Yes (but onsite preferred)
Willing to relocate: Yes
Technologies: Javascript (Node, Express, Vue, React, Angular), Java, C++, MongoDB, SQL, Docker, Linux, all things Networking.
Resume: https://chrissannar.herokuapp.com/Resume.pdf
Website: https://chrissannar.com
Email: chris.sannar.dev@gmail.com
Full-Stack developer and recent college graduate that focuses on education applications. Have a broad knowledge of many technologies and how to teach them. Been learning GraphQL at the moment for a volunteer position. Hope to find more opportunities in the education sector, but I’m open to new ideas.
Check out my most recent project: https://www.codeexplainer.org
Cellular Phone Or Blackberry?
When thinking about whether to acquire a mobile phone or a blackberry, among one of the most essential functions to think about is cellular phone innovation. While blackberries still out do the typical mobile phone, mobile phone modern technology is quickly capturing up. With the mobile phone’s capability to message, download, immediate message, and also determine the pointer percent in a dining establishment, their modern technology is adequate for many people.
As well as while blackberry innovation proceeds to breakthrough, it is not proceeding at the exact same price as cell phones are. Cell phones have actually enhanced so a lot in their preferred requirement that the majority of technical production business are concentrating on the application of cell phone innovation.
With the improvements to mobile phone innovation that have actually currently happened, many people change their cellular phone every 12 to 18 months. Really couple of individuals hang on to their mobile phone for greater than 2 years. It is essential to cellular phone proprietors to stay on par with the most up to date innovation and also every little thing that a mobile phone can taking care of.
Blackberry substitute data recommend that the typical blackberry proprietor changes their devices every 24 to 48 months, therefore decreasing the repurchase worth. Much like any type of various other innovation tools on the marketplace, with higher appeal as well as equal innovation breakthroughs, the expense of the modern technology lowers also as the modern technology itself improves.
Lots of people pick cellular phone innovation as a result of its loved one convenience and also knowledge. Those that are not inclined to obtain delighted regarding brand-new innovation do not also recognize what a blackberry is, though almost every person understands what a cellular phone is as well as what you can do with one.
Cell phones are such a staple in our culture that also those that have alternative innovation still bring a cell phone. Cell phone modern technology isn’t that much behind the majority of various other mobile technical innovations. Cell phone innovation has actually progressed to the factor that many of us would certainly be shed without our cell phones.
When taking into consideration whether to buy a cell phone or a blackberry, one of the most essential functions to take into consideration is cell phone modern technology. While blackberries still out carry out the standard cell phone, cell phone modern technology is quickly capturing up. With the improvements to cell phone modern technology that have actually currently taken area, many individuals change their cell phones every 12 to 18 months. Cell phones are such a staple in our culture that also those that have alternating modern technology still bring a cell phone.
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Craig Burley advises Matthijs de Ligt not to be lured by the big-money deals and also to pick his following club based simply on the football.
The transfer home window for the remainder of Europe&& nbsp; isn’t also open yet (the Premier League opened up on May 16), however in advance of July 1 there are a host of gamers whose names simply will not go away from the chatter columns.
Think of being a young celebrity and also having every top club in Europe after you. Below are 5 that understand just how that really feels.
– QUIZ: Which leading club should you sign up with?
– Transfer qualities: Hazard to Real Madrid (A).
– Ogden: Six insane transfers to enhance Prem leading 6.
Matthijs de Ligt.
Club: Ajax.
Age: 19.
Placement: …
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