Since June 15, 2009, the United States Small Business Administration has been processing deferred payment small business loans of as much as $35,000 to be given out to 10,000 small businesses. This is covered by the SBA’s America’s Recovery Capital (ARC) Loan Program.

To qualify, companies should be private enterprises that are for-profit. They should have up to five hundred employees only and should be at least two years old. Furthermore, they should be able to prove financial need with a twenty percent decrease in sales, revenue or working capital. On the other hand, they should be able to prove that one of their two years in business has been profitable, and that with the infusion of cash they will be able to meet their existing and future debt obligations. This means positive cash flow projections. The ARC small business loans are intended to be used to pay outstanding debt such as payables to vendors.

For this batch of small business loans, there are no fees or costs involved, except if the borrower defaults on the loan later. In that case the SBA-approved lender can charge costs for securing and liquidating collateral.

The ARC small business loans also do not charge interest. Actually, the SBA pays the interest for the borrowers. Disbursement of the loan can take as much as six months but payment of the principal is also deferred for the next 12 months. After that, the borrower has five years to repay the loan principal.

Each small business can only avail of one ARC loan. SBA-approved lenders will offer the loans until September 30, 2010 or until available funds run out, whichever comes first.

There are, however, an estimated 30 million small businesses in the United States and only 10,000 of them can avail of the government’s small business loans. What if you do not happen to be among the 10,000 lucky recipients? How will your small business survive?

There are even doubts being raised on whether as much as 10,000 businesses can indeed avail of the ARC loans. There are fears that there may not be enough lenders willing or able to participate in the program. Lenders will have to advance the full amount of the loan, will not receive payment on principal for a full year, and will not be able to charge any fees, thereby absorbing all administrative costs. This may be too steep for many lenders. They may not be able to afford to participate at all.

This is where you as a small business owner can and should maximize your credit card services. We are not talking about your personal credit card services here. Instead, we are referring to the merchant services that enable your small business to receive credit card  and debit card payments. Surely, any business these days avails of these types of credit card services. After all, more people pay by credit card or debit card rather than cash.

Most credit card services offer small business cash advances that can be as substantial as small business loans. These small business loans do not require any collateral because they are secured by your company’s future credit card receivables. This is even more convenient for your business because repayment is also built into those receivables. Credit card services automatically deduct a percentage from your income to go toward loan repayment. For as long as you have incoming sales, you can support your loan. Interest rates are often quite affordable considering how the loan can help your business.

Small businesses should therefore look into maximizing these credit card services for small business loans. The survival of your business could hinge on this.

Advanced Merchant Services
Contact Name: Roger Inman
P.O. Box 1475 Safety Harbor, FL 34691
Bus: 727-642-3606
Bus Fax: 877-413-6067
E-mail: rinman3@tampabay.rr.com
Website: www.bankcardprocess.com

Grants are given every year for a variety of reasons, from small business start-ups, continuing education, preserving historic monuments, to art. Business grants are usually given to applicants that have a solid business plan, and the more detailed the reports are, the better chance of getting the grant.

When starting up your own small business, the first priority would be to find start-up capital. The best capital to get is the small business grants such as free grants that you never have to pay back, or other types of grants that are more like loans and require repayment with interest.

New business owners and existing business owners are eligible to apply for business grants. There is a wide array of Federal business grants available such as Free Government Money for Minorities, Free Government Money for Women, and Obtain Free Government Money for equipment, rent, offices, expenses and overhead

There are numerous sources to find the best business grants:

* The Catalog of Federal Domestic Assistance is a major provider of business grant money.

* The Federal Register is another good source to help you keep current with the continually changing federal grants offered.

* FedBizOpps is another great resource, as all federal agencies must use FedBizOpps to notify the public about contract opportunities worth over $25,000.

* The U.S. Government’s Grants has its own website where you can find, obtain information and apply for many of the grants that are available.

* Government’s Catalog of Federal Domestic Assistance (CFDA) provides a listing of Government grants and other types of assistance that you can receive.

Federal law mandates that government agencies and private foundations give away over 1 trillion dollars to individuals and businesses. Foundations are required by law to distribute 5 percent of their market value assets or interest income annually, whichever of these amounts is greater, or risk losing their tax-exempt status.

The incentive for giving away grants is great. First, elected officials seeking reelection give away billions in government cash so that people vote for them; second, big corporations save a lot of money in taxes by giving money to foundations.

Another option when starting your business would be to apply for private grants from foundations and corporations. Foundations award grants to businesses that are able to help the foundation reach its long-term goals. In the United States there are more than 65,000 private grant foundations which award more than $20 billion to applicants. Two good resources for private grants are the Foundation Center and the Council on Foundations.

Author: Susan Jan
Article Source: EzineArticles.com
Provided by: PCB Prototype & Manufacturing

Every business has basic needs like accounting, marketing and business strategizing. No business can run without these aspects, but not all businesses can afford to have all of these businesses outsourced to other companies. So, how does a company look for business support services without worrying about pricing themselves out of business?

The Local Options
Many colleges offer work options to juniors and seniors based on their major. You can contact the local college career planning office and let them know that you have either paid or unpaid internship opportunities at your business. They’ll list your company in their career planning catalogue or verbally tell students about the availability when they locate a match. You’ll be assisting the students with their curriculum credits and obtaining inexpensive or even free assistance for your business support needs.

You can also contact your local unemployment offices and inform them that you have an opening for a skilled professional in your office.

Posting your position with your local city or county employment offices will also get the word out to the local community for your needs.

Virtual Opportunities
With so many businesses being virtual these days, it’s easy to see how the virtual business support field has exploded. There are dozens of websites dedicated to providing virtual candidates to clients looking for business assistance all over the web. These sites house candidates that are their own boss and run their own company as well as individuals that are looking for supplemental income outside of their forty hour a week jobs.

iFreelance – This paid service allows business owners to post their positions on the site to be searched by business type by thousands of qualified service providers. You have the option of setting a bid amount for your position to keep all costs within your own budget or to allow the applicants set the bid amount, if you’re not sure of the going market rates for your business support needs.

Elance – Also a paid site, elance allows for online chatting with potential candidates who apply to your position so you can get a sense of their personality as well as their expertise.

Find It Local 411 is a web based online community resource for the Michiana region of the United States (Northwest Indiana & Southwest Michigan). Finditlocal411.com serves the area by providing local business listings, classifieds, events and business advice and consults on their blog.

Article Source:http://www.articlesbase.com/strategic-planning-articles/find-business-support-with-these-ideas-1438365.html

Hasan A. Yahya, Ph.Ds

Recently, the Middle East, especially Arab countries where concentrated in the news when it comes to conflict and terrorism? Is it because the Arab world is experiencing the highest rates of religious, sectarian and social violence? Or is it because it is changing to a regressive social change, in terms of human development and security? This article will try to answer these questions in sociological analysis.

Answering the questions may be direct to confess that religious mentality created political differences between groups as well as nations. And that policies to develop human security, physically and mentally is mismanaged by the status quo of traditional tribal governance, which is far from reasoning and critical thinking of moral rational justice. Indirectly, however, the second part of the direct answer, which describes the strong interrelationships between political tyranny and social injustice, which creates turmoil and conflict, on both personal and governmental levels.

Sociologically speaking, most Arab countries are governed by authoritarian [some totalitarian] systems, where social tension has a degree of dissatisfaction lead to conflict, unrest, and violence. Stability in this case cannot be legitimate in the face authoritarian governments. Arab regimes according to these totalitarian governments practice political arrogance (Saudi Arabia, Libya, Syria, Egypt, and other Gulf states for example,) dealing with social problems, using economic injustice, social oppression, and discrimination toward other nationalities, is a common cause leading to tension and rates of instability.

It is a fact that oil Arab countries have raised their income (whose revenue reached the nine billion Dollars a day, where $1.7 of which goes to Saudi Arabia), but still over seventy million Arabs live under the poverty line, for example, with less than $2 Dollars a day.

The recent Human Development Report (HDR) by the United Nations, there are almost 14 million people in Egypt alone, living under poverty line. Of these, four million do not earn their bread, while 20% percent of Egyptians own more than 80% percent of the national wealth. While this is close to the United States rates in wealth distribution, the United States takes care of it poor through social security and health care policies and benefits. Egypt is only an example, but it shares with the same case in many Arab countries,  such as Sudan,  Algeria, Morocco, Yemen and Syria.  They all share authoritarian political system which lacks social justice, even though less rich than the Gulf States, In almost all Arab countries, corruption is becoming a typical behavior on both individual and institutional levels.

To sum up why social regression in the fields of human development,  is taking place, and why human security as a slogan for HDR this year is regressing. There are several factors may be noted here according to my previous research on human development in the last 20 years:

  1. Women participation more (than half of societies are handicapped in development in the Arab countries) In reality, it is much more than half. They are between 10 to 30% percent women participate in decision making other than traditional family business? In addition, safeguard the rights of women is needed by changing laws and attitudes which entrench gender-based discrimination. Women in Arab countries have little access to justice and few possibilities of legal redress when they are victims of violence. The increasing number of business women is very weak indicator of progress in women participation, while in some countries women illiteracy reaches 70% percent.

  2. Absence of the rule of law to guarantee essential rights, freedoms and opportunities for political participation for all. Where such absence of justice and secular rule of law is enhanced by faith and religious beliefs as essential obstacles  in the process of rule of law development, socially, economically, and politically. Example, in six Arab countries, there is an outright ban on the formation of political parties, while restrictions on political activities and civic organizations in other countries often amount to de facto prohibition. Almost all Arab countries lack of civil rational society institution ruled by laws that respect human rights away from religious belief. But most Arab states are far from this picture.
  3. New rational approaches  are needed to deal with problems (locally, regionally and globally) but prevented religiously, on the bases that “God gives, God takes,” where such belief depends on the other life  imagination and status quo respect and fear. The real life where they live in, needs more than belief to build nations rationally and systematically, where both are not characteristics of religious belief.
  4. Causes of tension such as inequality,  injustice, and political arrogance and emergency laws, should be replaced by a state of complete physical, mental and social well-being. For example unemployment among the youth from governments is ignored, its rate is increasing, in some countries reaches 40% percent. Taking into consideration population growth, Arab countries will have to create 50 million new jobs by 2020 to accommodate the anticipated workforce. The picture looks dim, with the status quo unchanged.
  5. Arsenal and arms accumulation swallow revenues of oil, and takes its toll of national revenues. In some cases danger is imagined from neighboring countries such as Iran and Israel, bribery by billions are paid for arms deals instead of searching rationally to solve social turmoil’s and tensions  which lead to violence.
  6. Ineffectiveness of human mentality concerning basic physical needs, like water, food, health, and environmental disasters, supported by the belief that God  solves all problems should come to a holt. Humans are perceived as having no ability to change their future. This factor stands an obstacle as a  rule. This is, unfortunately,  a stamp of traditional totalitarian systems continuing to be ineffective dealing with daily problems.
  7. Replacing theologian beliefs by secular intellectual reasoning  is a must for the Arab countries to be succeeded . Such role is perceived as a disaster in traditional societies, to escaping mental powers of intellectuals and justice reformers.
  8. The concept of nationality is mismanaged by internal and external forces. For example, citizenship is divided into one, two and three divisions where discrimination is practiced against non citizens in most Arab countries.
  9.  Population growth threatening the environment . The average number of live births per woman in the Arab region is 3.6 compared to a global average of 2.6. At this growth rate, the region is expected to be home to nearly little less than 400 million people by 2015, up from approximately 330 million currently.
  10. 10.  Related to the above factor, sustainable resources for population growth needs  institutions, enacting and enforcing laws, to integrate environmental concerns into development planning, and raising environmental awareness through youth education. Furthermore, desertification threatens about 2.9 million square kms , or roughly one-fifth of the total area of Arab countries. Meanwhile, natural resources are being depleted at an alarming rate, as population pressures mount.

 In conclusion, Much of human development reports show these problems, but far short from implementing them without radical political change of authoritarian regimes, and religious approaches deal with secular issues.   Traditional heirs of governments have to change, and give way to new generations believe in secularism and scientific development rather than traditional one. Arab countries should move radically to replace traditional idea of human development for the other life, forgetting the necessary life on earth. An idea was enforced in Europe three hundred years ago. Otherwise social progress and human security will continue to be in danger.  (1247  words) www.dryahyatv.com

Hasan A. Yahya is an American Arab scholar, and a professor of cultures and sociology. He published 19 Arabic and 8 English books and 200 plus articles on sociology, psychology, politics, poetry, IQ Test Measurement and short stories in both Arabic and English. His articles may be found on articlesbase.com, Face book and other internet sites. His recent book published on Amazon titled: Therapy Cases: Mental and physical, 2008, and Lawlaki: Poetry Diwan, 2000 Bayt Min al-Shi’r al-Arabi. (all in Arabic on amazon- 2009). His recent activities reflects his talents and knowledge on youtube’s Dryahyatv.com Dr. Yahya resides in Michigan, USA. Dr. Yahya has four children and eight grandchildren.

Article Source:http://www.articlesbase.com/strategic-planning-articles/factors-of-human-development-and-progress-in-the-arab-countries-1360427.html

Oficina Móvil Madrid 10
Creative Commons License photo credit: Vodafone España

Some of you may think I’m crazy for the headline but it’s true. In the midst of a down turn, stock market plummeting, housing prices falling, high unemployment, poor consumer confidence, and all the other things going wrong there is a light at the end of the tunnel. That’s right – new business start-ups.

If you don’t believe me, just look at history. A recent article by Rhonda Abrams in the USA Today noted that 16 of the 30 companies that make up the Dow industrial average were started during a recession or depression. These include: Procter & Gamble, Disney, Alcoa, McDonald’s, General Electric and Johnson & Johnson. Read the rest of this entry »

If you are flush with funds and are seeking to find a good investment venue where you could deposit your capital, you should be looking at investment opportunities that would surely provide good and secured returns. Why not invest in a hard money specialist? Check out Coastal La Jolla Funding and see how the company could provide you with a good investment chance. Coastal La Jolla Finding is specifically known as a provider of hard money loans. The business is at the bullish side because more borrowers are filing loans at the company.

You know that hard money personal loans and poor credit loans are implementing significantly higher interest rates. That is a usual market practice and is legitimate. That is because such loans are posing greater risks to the lenders. Borrowers of such loan facilities are usually on the desperate side to accept and conform to the high interest rate provisions. That is why hard money loan specialists are also earning more than conventional loan providers. In fact, among the fastest growing financial firms not just in the United States but all around the world are hard money or poor credit loan providers.

That is a good reason why investors flock to hard money loan providers. Like most financial firms, such entities are welcoming investments because doing so is helping them expand and broaden their overall capital. Hard money loan providers know that to be able to attract and motivate investors, good investment rates and returns must be secured and provided. As an investor, it is logical that you aim to place your investments and resources at venues where they can grow to the fullest.

At Costal La Jolla Funding, you can be rest assured that your money would be productive. Some current investors even assert that their investments in the company are earning better that in any other venues. Investments in such loan providers are comparatively faster paced and more yielding than those at equities and other opportunities.

The sub prime mortgage lending sector is problematic during the current times. But Coastal La Jolla Funding sees this slump not as a setback but as an opportunity to further grow businesses. By sticking to such loans and to hard money loans, the company is proving that bad times could be converted into the best profit generating moments.

How can you be assured that the company would not fail? First, Coastal La Jolla Funding has strategies to secure itself and the hard money loans it provides. The company takes some equities to the mortgage loans and several other assets of the borrowers. Thus, no matter what happens, the company is holding security and is ensured that losses on loans even if borrowers become delinquent would not be incurred.

There are also existing legal contracts that are binding the company and its borrowers. Thus, there is a great assurance that the loan facilities are tenured and secured. Before making and placing the investment, you would be oriented to the basic company operations. If you would have any queries or doubts, you could easily raise your concerns and the company would be quick to address those issues.

There would also be secured contracts between you and Coastal La Jolla Funding to give you peace of mind over your investments. You will have the option on the frequency and terms of your investment. If you want, you could opt to collect returns annually, bi-annually or whatever term period you may like.

Investing in Coastal La Jolla Funding can also be considered a good deed and advocacy. If you want to help out financially needy people, investing in the company could be a good revenue and at the same time profitable. You know that most consumers nowadays are finding it hard to secure much needed and necessary loans. Hard money loans providers like Coastal La Jolla Finding is are somehow helping them raise money for their urgent needs for investments, startup businesses and even personal matters.

Author: Tim Doscher
Article Source: EzineArticles.com
Provided by: Beading Necklace


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