Small Business Administration의 대출이 작동하는 방식은 SBA가 상업 대출 기관이나 은행에서받을 자금을 백업하는 것입니다. 대부분의 경우, 대출을받는 곳은 그 과정에 매우 익숙하고 도움을 줄 수 있습니다. 다양한 대출 프로그램이 있으므로 어떤 소기업 대출을 이용할 수 있는지 스스로 교육해야합니다.
SBA 웹 사이트를 확인하면 7 (a) 대출 보증 프로그램에 대해 읽을 수 있습니다. 이것은 SBA에서 제공하는 주요 대출 프로그램이며 최대 2 백만 달러의 대출을 지원할 수 있습니다. Certified Development Company 프로그램이라고도하는 504 대출 프로그램도 있습니다. 이에 대한 정보는 SBA에서도 구할 수 있습니다. 이 대출 프로그램은 회사가 업그레이드해야하는 기계 또는 건물에 대한 자본을 제공하기위한 것입니다. 새로 시작한 소규모 회사에 최대 $ 35,000의 금액을 제공 할 수있는 소액 대출 프로그램도 있습니다. 지역 대출 기관에 가서 이들 중 하나를 신청하고 대출은 비영리 기반으로 일하는 커뮤니티 대출 기관을 통해 마련됩니다 https://dc-mong.com/. 또한 알아야 할 사항은 재해 복구 대출의 존재입니다. 재해 지역으로 선포 된 지역에 거주하는 경우 재해 복구 대출을받을 수 있습니다. 이는 소기업 대출로 제시되거나 복구 자금이 필요한 개인에게 제공 될 수 있습니다. 이는 중소기업청을 통해 제공되는 중소기업 대출 중 일부에 불과합니다. 사업주라면 어떤 자금을 사용할 수 있는지 그들과상의해야합니다.
0 Comments
SBA 대출 프로그램은 오랫동안 사용되어 왔습니다. 오래 전, 정부는 탄탄한 경제와 탄탄한 국가의 열쇠는 더 큰 성장을 돕고 더 많은 일자리와 더 큰 세금 기반을 지원할 수있는 저렴한 자본 옵션을 갖춘 중소기업을 육성하는 것임을 깨달았습니다. 따라서 중소기업청은이 자본을 제공하는 임무를 맡았습니다.
기억해야 할 요점은 SBA가 실제로 자금을 제공하지 않는다는 것입니다. 자금은 실제로 참여하는 상업 은행에서 제공하며 대출은 손실에 대해 SBA에 의해 보장됩니다. 이 정부 보증을 받으려면 자금을 대출하는 은행은 대출을받는 지원자와 그렇지 않은 지원자를 결정하는 SBA 규정 지침을 준수해야합니다. 이러한 대출 프로그램의 가장 큰 부분은 유연성과 유리한 이자율입니다. 어려운 부분은 문서를 닫는 데 필요한 문서의 양과 기간이며 때로는 120 일 이상까지 연장됩니다. 지난 2 년 동안 신용 위기로 인해 중소기업 대출 금액이 심각하게 제한 되었기 때문에 승인이 더 큰 문제였습니다. 다음은 전국 참여 은행에서 제공하는 주요 SBA 대출 프로그램의 일부입니다. SBA 7a 대출-이것은 실제로이 주요 제목 아래에 그룹화 된 여러 유형의 7a 대출입니다. 이것은 SBA에서 가장 인기 있고 널리 사용되는 프로그램입니다. 예비 차용인이 알아야 할이 프로그램의 몇 가지 주요 측면은 "규모 기준", "자금 사용"및 허용되는 비즈니스 유형과 관련됩니다. 여기에 들어가기에는 너무 길어서 알아야 할 중요한 점은 SBA가 특정 산업에 대해 특정 규모의 회사를 요구한다는 것입니다. 이를 허용 가능한 사용이라고합니다. 허용되는 자금 사용의 예로는 특정 한도 내에서 토지 또는 건물 구입, 장비 구입, 장기 운전 자본 또는 기존 부채 구조 조정 등이 있습니다. SBA Express-이것은 대출 자금 조달 프로세스를 촉진하기 위해 고안된 소규모 스타트 업 대출이며 기술적으로 SBA 7a 대출의 한 유형입니다. 이는 특정 사업주 그룹을 대상으로하며 일반적으로 소액대출 금액이 낮습니다. 이러한 유형의 대출의 목표는 예비 차용인이 36 시간 이내에 답변을받는 것입니다. 소액 대출 프로그램-운전 자본에 대한 적격 지원자에게 $ 35000 이하의 금액을 제공합니다. 비영리 기업도 이러한 유형의 대출을 신청할 수 있습니다. CDC / 504 대출-건물 및 장비와 같은 주요 고정 자산을 구매하기 위해 고안된 장기 대출입니다. 대출은 일반적으로 SBA 규정 지침에 따라 대출이 승인되면 최종 사용자에게 이러한 자금을 실제로 배포 할 "인증 된 개발 회사"와 함께 작동합니다. 대출 금액이 많기 때문에 SBA 비즈니스 규모 표준이 적용됩니다. SBA 대출 프로그램을 찾는 대부분의 중소기업의 경우 SBA 7a 및 SBA 익스프레스가 그들의 요구를 충족시킬 것입니다. 그러나 필요가 더 크다면 신청하기 전에 신중하게 고려해야 할 풍부한 정보가 있으므로 SBA 웹 사이트로 직접 이동하여 읽어야합니다. SBA에 의해 거절 된 기업이거나 빠른 운전 자본 유연한 신용 조건이 필요한 경우 여기를 클릭하십시오. Neal Coxworth는 모기지, 학생 및 소비자 신용 대출을 시작, 인수 및 처리 한 경험이있는 기업가이자 소비자 신용 산업의 17 년 베테랑입니다. 그는 대부분의 소비자가 직면하게 될 신용 기록과 같은 다른 주제뿐만 아니라 모든 주요 대출 유형에 대한 통찰력과 분석을 제공하기 위해 소비자를위한 정보 블로그를 게시합니다. My dad consistently used to state that anybody could do anything they needed on the off chance that they simply had the correct devices available to them. As I get more established, I start to understand the unadulterated truth of what he said. You won't find such a large number of science understudies who don't possess a mini-computer, an excessive number of handymen without a funnel wrench, or such a large number of ministers without a Book of scriptures. Indeed, on the off chance that you are a Forex dealer, the instrument you currently need is exchanging programming like Forex Executioner. On the off chance that you need to realize how to improve the quantity of Pips you gain each day and how to improve as a Forex merchant - it is with mechanization, that is the ticket. In the event that you are unpracticed with cash exchanging and are simply beginning to consider making the plunge, it bodes well to begin right, with the most ideal instruments available to you. Forex Tracer-mechanization programming that permits you to make a chunk of change by exchanging money from home - offers you the chance to get familiar with the market and become a superior Forex broker with computerization. On the off chance that you have been exchanging for some time as of now, you also will profit by an extraordinary programming program and will rapidly perceive how to improve as a Forex merchant with robotization. It truly can't get any simpler to utilize. forex funded account Tracer takes only a couple of moments for the accomplished dealer to introduce and begin utilizing; even newcomers will in general beginning creation cash inside only a couple of days. With Forex mechanization programming, you take out the need to make a wide range of tedious scientific graphs and the need to pay over the top charges for exchanging signals. You can basically do it without anyone's help and improved as a Forex broker rapidly with robotization programming that does the hard stuff for you. The Three Distinct Kinds of Forex Traders - Which One Right? Of the numerous segments that go into the dynamic cycle of an effective forex dealer, finding an exchanging procedure that works for you is one of the most significant parts. Be that as it may, regardless of whether you have a triumphant forex exchanging system, it is to your greatest advantage to figure out what your cash exchanging style is. Forex traders come in three essential assortments: Hawkers, Informal investors, and Position Traders, with most of traders falling into the center classification. A hawker is someone who goes for little benefits typically in the scope of 3-10 pips, will normally put together their exchanges with respect to a diagram with 1-moment to 5-minute candles, and will in general spot numerous exchanges a solitary day. An informal investor will hold a vacant position somewhere in the range of 15 minutes to longer than one day. They will utilize a time span of perhaps two distinct outlines with 5-moment and 15-minute candles (potentially 30-minute on the off chance that they are a more drawn out term informal investor), and will in general set benefit focuses of 10-50 pips. A position dealer is one who will go for long haul gains and will put their exchanges dependent on a 1-hour or 4-hour candle diagram. This exchanging style requires a huge hazard resilience, and benefit targets will in general be more than 50 pips and as high as 4 major figures or more (400 pips or more). Figuring out which sort of forex exchanging style you like and which one matches your exchanging technique the best is a significant advance that numerous traders never take. Picking and staying with a specific exchanging style can permit you to see which exchanging chances to seek after and which ones to dodge, for example, regardless of whether you should concentrate on following crucial based or specialized based exchanging pointers. Picking a particular exchanging style is likewise significant in light of the fact that you can see which cash sets and money crosses to exchange and which ones to keep away from. For instance, on the off chance that you concluded that you were a hawker and you needed to go for little productive exchanges on various occasions every day, you would need to exchange a cash pair that had a little spread. On the off chance that you were exchanging a more intriguing non-dollar cash cross, at that point this would will in general have an a lot higher spread and make a gainful scalping system about unimaginable. On the other hand, in the event that you concluded that being a position broker was the best course for you and you were eager to hold positions open for quite a long time at once or even up to 14 days, at that point a 9-pip spread on an extraordinary cash cross may not appear as though such a serious deal since you may be focusing on a benefit focus on that is bigger than 200 pips. Contingent upon which forex exchanging style you pick, there are various contemplations to be made for every one and there are likewise benefits to be had with every one. Doesn't it appear to be a splendid thought - beginning a self-start venture? What's more, it is - after everything what could be simpler than sourcing a few products from a distributer, exchanging them at a benefit on the web to an overall crowd and getting a charge out of an agreeable way of life while working adaptable hours from home.
Lamentably, truly, for some eventual business visionaries, they get left at the beginning squares having neglected to understand that while it is to be sure moderately simple to set up a site nowadays or promote products through well known online settings, for example, eBay or Amazon, the genuine product sourcing some portion of the cycle is the genuine test, and without products it's hard to get much of anywhere. How would you realize what to sell? How would you realize where to get it from and at a serious cost? How might you abstain from being defrauded? Shouldn't something be said about import obligations and assessments on the off chance that you are sourcing from abroad? These are only a portion of the difficulties confronting each beginner affiliate and I think I have lost check of the occasions I have been asked: "What would it be advisable for me to sell?" or "Would you be able to discover me a provider for X or Y or Z?" I can thoroughly relate to this however, having been in this position myself when I began my own self-start venture and I do comprehend that with so numerous online wholesalers to look over it's exceptionally simple to expect that the sourcing cycle is a straightforward one - simply pick some stock and sell it - incredible on the off chance that you don't generally mind what you are selling and whether you really sell anything or not, nonetheless, in the event that you need to make a benefit, at that point your sourcing techniques will require somewhat more time and exertion and that is the explanation I have made this selective uncommon report for you. The difficulties ahead The hardest piece of product sourcing where a self-start venture is concerned happens in explicitly making certain about what your market is, who your clients are probably going to be, and exactly what it is you are going to sell. What's more, this is the place many, many would be home organizations turn out badly before they have even begun. It's a typical misinterpretation that you can arrange a modest activity part of any product from a distributer, promote it online whether it's on eBay, Amazon, Craigslist, eBid or through your own site and it will sell. In the event that lone that were valid! Actually on the off chance that you've requested a discount parcel of a specific product without first watching that there are a lot of individuals out there who need to get it, in what capacity will you know whether it will sell or not? Well you won't is the short answer. First you should choose what to sell and this will clearly require some examination to guarantee that you pick the correct specialty as well as the correct product for that specialty. Remember that regardless of whether a specific specialty is hot at this moment, there will be a few products inside that specialty that are more smoking than others so you have to remove those products from inside the hot specialty - that is the certain fire approach to make great benefits. So in choosing what to sell, you have to discover the market first, the product second. That ought to be your mantra while sourcing products starting now and into the foreseeable future - market first, product second. You should locate what's known as a 'ravenous group'. This is a gathering of individuals, continually expanding in size, that incredibly need the product that you have accessible and by buying it will profit somehow or another. Ideally, your product is an answer for whatever difficult they have so when you locate your ravenous group, this will ensure that your business is a triumph since you need individuals precisely like your eager group as your purchasers. You need them to racket for your products and getting them consistently. What you truly need is a product that you can source and sell again and again so you don't continually need to re-source and supplant products that no longer apply to a ravenous group. Instructions to locate a 'ravenous group' All things considered, you can't falter around hanging tight for a hot specialty or hot product to introduce itself to you. This won't occur. First you should settle on a positive choice with respect to the specialty. This could be something that you know somewhat about, for example, a leisure activity or intrigue that you appreciate, or you could peruse the magazines at your neighborhood newsagent to get a few thoughts. You should pick a general specialty before you locate your eager group in light of the fact that else you have positively no course and things will get confused. In this way, lets utilize the model here of the 'Photography' specialty. It's not something that is of enormous enthusiasm to me by and by for this situation, yet there are heaps of magazines out there for photography fans, for example, 'Novice Picture taker', 'Photography Month to month' and 'What Computerized Camera' to give some examples thus I realize that it's a famous diversion thus will make a genuine model. The photography specialty covers a wide range from cameras, focal points and adornments, for example, tripods, cleaners, streak frameworks and so forth to seminars on the best way to improve as a picture taker thus you have to find precisely what every one of those photography lovers are searching for this moment, on the off chance that they have any camera or photography issues they need illuminated or on the off chance that they have a genuine requirement for anything, and assuming this is the case, what it is. This is the place you begin to locate your 'ravenous group'. Where do you look? Indeed, you will in all probability be selling your products on the web thus, obviously, the web is the primary spot you should hope to direct your exploration. Search on the web Make sure to abstain from utilizing truly broad terms when you are sourcing products on the web. On the off chance that you Google for instance 'discount camera' at that point you are probably going to wind up with results running into the millions which I'm certain you would prefer not to fish through. Then again, in the event that you include the pursuit term 'wholesaler' or 'exchange' and utilize the genuine product name of the camera then you will get more engaged outcomes. In this way, just by refining your inquiry, your odds improve promptly of finding what you are searching for. You can frequently find makers through stock photographs posted online as well - use Google pictures to discover these. In spite of the fact that Google is an incredible exploration apparatus, there are a lot more methods of sourcing products so you have to attempt to oppose the impulse to go through hours searching for "mystery" arrangements and sources that you will likely never discover and utilize different techniques as well. Buy in to exchange magazines There are many exchange magazines around and those identified with your specialty will be brimming with commercials from providers, wholesalers and makers. Prior to the age of the web, this is the means by which business was done - all disconnected - and it worked at that point it despite everything works now. Attempt The Merchant magazine as a decent beginning stage which is accessible in many newsagents or in the event that you would prefer not to purchase a printed copy you can see their online magazine. Go to Exchange Fairs Visiting exchange fairs requires somewhat more exertion than surfing from the solace of your own home; anyway it's regularly justified, despite all the trouble in light of the fact that there is such a great amount of extension for systems administration and sourcing. You can truly converse with providers and build up an affinity which at last will make it a lot simpler for you to haggle some extraordinary costs later on. Exchange fairs occur everywhere on over the nation and universally consistently so there will undoubtedly be one close to you. Use Professional listings The Business directory is your companion. However, unfortunately a companion that is regularly neglected. We are so used to looking everything into online that we don't consider returning to classic registries yet in all honesty, not all wholesalers or producers have an online nearness. They do obviously have a phone, so you can basically call them and request a pamphlet. Simple and neighborhood. Check the product bundling Here's another extraordinary strategy however again one that is so regularly disregarded. On the off chance that there is a particular product you need to get your hands on and you don't have a clue who makes it at that point just get one yourself! Most, if not all products will incorporate the makers name or possibly some reference to the producer on the bundling and on the off chance that you're fortunate, at that point the wholesalers name may be on there as well. Along these lines, when you realize who makes the product you just.... Go directly to the source When you realize which organization makes the product which isn't hard to discover as I've recently referenced, you can get in touch with them and discover who their wholesalers are. There's no should be scared by this possibility in light of the fact that all things considered, it's not exceptionally private, highly confidential data you are mentioning. Toward the day's end, the makers need your business and your cash so they will have no issue in providing you with a rundown of merchants to buy your own stock from. You at that point basically contact the wholesaler straightforwardly. At last Product sourcing for your online business can frequently appear to be overwhelming on the grounds that it requires examination and exertion on your part to ensure you locate the best products in the best specialties. These tips will put you progressing nicely and help you to see how everything functions so you don't commit similar errors that numerous others do when beginning a business from home. Follow my recommendation and "What should I sell?" and "Where do I get it from?" will be a relic of days gone by. Simply recollect the mantra: Market first, product second, trailed by Take care of an issue. Adding a solarium to your home can give a new elegance and sophisticated look to your surroundings, but to incorporate the aesthetic feel of your solarium, contact a solarium contractor who will shape and design the complexity of the solarium. construction of the solarium. Solar contractors are everywhere, but the key to success in building a great solar room lies in finding the right solarium builder.
How to find the right solarium contractor? Find a contractor who can give you an assessment of what needs to be done and how much construction will cost. A detailed budget will help you determine the raw materials and the total cost that will be involved in the construction of the solarium. Make sure you choose a licensed and insured contractor who has been in business for the past 5 years and can provide you with references to the other contractors who will provide you with the best raw materials. There are many types of Drywall Contractor that range from kitchen remodeling experts to those that focus on building simple additions to the home. Few contractors have experience working with zoning issues, including product coverage and setbacks. Since sunrooms are aesthetic additions to small spaces outside the home, contractors need to know how to get the most out of the small space. When contacting the solarium company, remember to even contact subcontractors, such as foundation contractor, electrical and drywall offices. When interviewing contractors, you should ask them about their experiences of performing jobs similar to theirs. Therefore, you should choose a contractor who has the ability to perform multiple services on his own. Good contractors are quite proud of their reputation, so you can ask further questions by talking to previous clients they have worked with. When interviewing sunroom contractors, be sure to ask about their immediate plans. It is very important to know if they use standard sunroom design or customize sunrooms to your needs. Another factor you need to look for, however, is the types of materials you use for different solariums. These items include tempered glass, security locks, full screen windows, skylights, sliding doors, French doors and other special installations. After such an intensive study, visit the contractor references to get to know these contractors better. Ask them if the tanning bed was completed on time, if the material was durable, or how they had been able to bring their imagination into the tanning beds. If you have the opportunity to inspect the new building designed by the specific solarium contractor, take care of the following points. See if walls, floors, ceilings and doors are smooth or not, if the doors and windows are trimmed and properly installed or not, or if any part of the buildings has a leak problem or not. Once you have completed your survey, you will definitely get a solarium contractor who can meet your needs. Solarium contractors near Houston You can start a business as a solarium contractor if you want to make lucrative monetary gains. The company is very profitable because the solariums are built with superior products and there are constantly new products available in the market so that the solariums can be of the highest quality. This will not only help you make money but also a high level reputation in patio building. If you want to be special to other solarium contractors, you can use advanced products such as energy-efficient extraction options, sliding screen systems, custom design options and skylights in the galaxy. You can also enjoy the benefits of being a licensed entrepreneur and belonging to a reputable company. The benefits of this option include the absence of franchise fees, free training, worksheets with projects, and help with architectural design. The solarium contractor near Houston can be of great importance as they can build the best solarium ever. Whether you dream of expanding an unused corner of your home exterior, or you want to utilize the exterior spaces of your garden properly, solarium contractors can do it for you at any time. When you live in a house, things can break or get worn out. One of the most common things to replace in a living room is drywall. Drywall is very easy to damage as only a small weight applied to the drywall can lead to holes, scratches and even structural fractures such as cracks and fissures. So what should a person do when this type of thing happens? The answer is not as complicated as you think, as replacing plaster is a breeze. If you live in Portland, follow these tips when repairing drywall in Portland. Before you can repair anything, you must first get drywall in Portland so you can repair the existing drywall. Be sure to do a little research when looking for drywall in Portland to make sure you are getting the right amount at the best price. A good rule of thumb is to visit a few places to find the best price. Once you have secured where you can get the Drywall Repair, the next thing to do is prepare the repair area for drywall replacement. If there is a hole in the wall, it is best to do to cut a square that surrounds the hole and runs from stud to stud on the walls. This makes the repair a breeze as you only need to replace the panel and then apply mud around the edges. The most important thing about mud is to use fresh mud with a new paddle. Paddles tend to rust, so be sure to use a new one so you don’t get strange lines in your mud job. The next most important thing when replacing drywall is sanding the area once it dries. Sanding is the key to a perfect Drywall Repair. The best rule of thumb is to sand, sand again and then sand the area a third time before putting more mud on the area again. The key is that you will not be able to see sharp edges or creases in the wall where the new piece of plaster was installed. Once you have sanded and leveled the area, the next thing to do is first and foremost the area. The reason why the ground is so important is because drywall sludge sucks up paint like crazy. To get a uniform look, be sure to prime the area first. As you can see, it can be easy to perform Portland drywall repairs if you are just aware of how slippery things are after sanding. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |