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Protect Yourself From Our Litigious Society
Running your business through a Corporation, whether it be a C-Corp or an S-Corp or perhaps an LLC, offers numerous benefits such as asset protection, tax savings, new sources of credit and more. Choosing the proper entity for your particular needs requires careful consideration.

What the Heck are Business Credit Bureaus?
The top three credit bureaus used in business credit are Dun & Bradstreet, Business Experian, and Business Equifax. Ninety-nine percent of creditors will report to one of these three credit bureaus. The top credit bureau is Dun & Bradstreet, so we will discuss it first.
Why Should You Offer a Finance Scheme To Your Customers? - Quick Guide
A short and concise guide to the benefits of you - as the owner of the equipment supplier business - offering a finance scheme to help sell more of your equipment.
Business credit remains tough in difficult times
There’s been a lot of talk about the impact of the global financial crisis on interest rates and access to finance. Whilst the banks maintain that they are providing finance, and certainly that appears to be the case with residential mortgages, the availability of finance to business remains an issue. It is finally receiving a greater level of attention in the mainstream press, with The Australian and Australian Finance Review both publishing articles on 27 March.
Starting a Business with Bad Personal Credit
Bad personal credit is a common stumbling block for entrepreneurs. Working for your self is the best opportunity for building wealth. While bad personal credit can make the startup process slightly more challenging, it is not a total barrier to business ownership and business success.
Dealing With Your Own Bad Credit
It is no fun trying to get a business loan when you have bad credit. But it can be done.
Things to Know About a Small Business Credit Card
Credit cards for small businesses sound like a great thing. But there are some drawbacks. Here are some of the pros and cons of small business credit cards.
Tips on How to Build Business Credit
Building your business credit profile is vital for your success. These tips will show you how easy it can be to build good business credit.
Sources of Working Capital Business Financing
How To Ensure You Have Access to The Right Working Capital Business Financing Solution ;Information on how business owners can access working capital business financing . What solutions to business credit best fit your short term or long term growth and profit objectives?

Your Company Needs Business Credit - Commercial Loan Alternatives in Canada
Getting Working Capital to Work ! Information for business credit and commercial loan alternatives for Canadian business owners and financial managers .
Choose Your Sources of Working Capital Finance for Business Credit
Measuring and Addressing your working capital performance needs;Information on how Canadian business owners and financial managers can access working capital – what sources of working capital finance are available to your firm for your business credit needs?
Business Credit For Working Capital
Business Financing Alternatives for Canadian Business; Information on business credit and working capital alternatives for Canadian business . Traditional and or alternative/creative solutions for working capital and cash flow growth .
Stop Me If You Have Heard This But Isn't Business Credit Still Challenging and what is Asset Based Finance?
Asset Based Lending Shouldn’t be A Secret Anymore
Why Use Credit Cards to Start Your Small Business?
Most businesses require money to start and to grow, and generally, business owners need to obtain some sort of financing in order to get the money they need. It can be challenging for a start-up business with no assets to secure a loan from a bank, especially in an economy where banks are limiting their lending.
How to Speak With a Business Underwriter?
When speaking to an underwriter do yourself a favor and make sure you are prepared. You should know your business better than anyone else. Be positive; believe in your own cause. If you do not believe in your business why then would an underwriter extend your business credit? Help the underwriter to see the “big picture” and why you are successful. Do not ramble on and on with no purpose. We are all busy. Keep it short and to the point.
Why and Asset based line of Credit will simplify Your Business credit Needs for cash flow finance
Information on why Canadian business is opting for an asset based lien of credit for business credit needs . How does this facility differ from what you are using now and why it might be the ultimate solution for cash flow finance challenges . An asset based line of credit is your cash flow finance solution
Strategic Alliances
Strategic Alliances are a strategy for getting what you need for your small business without necessarily incurring further debt. This happens when two or more companies form an alliance while retaining their own identity; in certain cases, a separate legal entity or “joint venture” can be formed to accomplish the same purpose. Each company agrees to commit resources for common business objectives.
Seeing the Big Picture
The Fourth of July weekend is a great time to kick back and look around at your family. This is the time of year that most of us stop and see the big picture….the reasons why we work so much; the reasons for putting up with the daily stresses; the reasons for 40-60 hours of labor. It is all part of a bigger picture……it is not the money that we get every other Friday! It is the joy, the memories, the time we get to cherish with our friends and family.
ALTERNATIVE ENRICHMENT
Alternative financing may be the perfect solution for companies looking for additional means of securing adequate business funding. This form of financing may be used to carry a new venture through its early phases of development, restructure existing debts, or take the business to its next level. Conventional lenders such as banks and private lenders may shy away from riskier businesses and not focus on business credit. Furthermore, an established company may find itself needing additional capital, yet for various reasons is ineligible for a loan.

Working Capital Finance Loan Advice – What Business Credit Is Available For Your Firm ?
Information on working capital finance requirements and solutions for business credit for Canadian businesses . Your business doesn’t need a ‘ loan ‘ Do you really need a ‘ loan ‘ and there are alternatives to monetize assets into cash flow .
Sex, Drugs, and Alcohol
Think about it….Dating websites are packed. Professional matchmakers are showing profits greater than landowners. Michael Phelps is getting more publicity with paraphernalia around his neck than 8 gold metals. Local corner liquor stores are packed every night. The economy may be struggling, but these industries continue to flourish.

Thousands are getting fired What are people doing in tough times
Thousands are getting fired; What are people doing in tough times? The nation is being hit with unemployment. We all know someone who has been affected. What are those people doing about it? What is everyone really searching for right now?

Turning An Idea Into Profit: Sergey Brin
As we go forward, I hope we're going to continue to use technology to make really big differences in how people live and work." - Sergey Brin, Google Co-founder How many business owners know that Sergey Brin, and his cohort, Larry Page quit their college studies to start the infamous Google in a friend's garage? It's inspiring to know that a couple of college guys with the right idea can achieve that kind of success. Lesson #1 – Build Business Credit and Expand the Business Image!

Engagement, Performance, Retention - Where Do Your Employees Fit?
Employers need to look forward and not hunker down during an economic crisis. You do this by using all the tools at your disposal and by understanding your employees and where they fit in your organization.
Strike While the Iron is Hot Using the Recession to Your Advantage
These last few weeks of our economic downturn got everyone wound up. From business owners, to CEO’s and back to the consumers – everyone is at a panic about the recession, and the bailout we are in. But what is a recession, really? How is it lack of bailout impacting your life?
Restaurant Marketing In A Downturn
My last post dealt with an very broad approach to your business overall during a downturn.

Small Business loans to help dwindling cashflow
Small businesses in the US are facing an unprecedented cashflow crisis because bank lending has dried up, but now they can loans are still obtainable if they know how to approach lenders. Often business owners must turn to family money, personal loans, or even factoring firms which may charge huge rates, but now they can access an innovative new loan which offers fair and reasonable rates.

CHOOSING AMONG FINANCING OPTIONS
You have a million dollar idea for a small business, enough motivation and drive to launch an effective marketing and advertising campaign, and logistic channels established to get your product or service to the masses. Now the only thing missing is the funding to get your new company up and running through new business financing. If unsuccessful attempts to acquire a traditional bank loan have left you stranded, where do you go? How do you get the funding for your new venture?
A Step-By-Step Guide to Applying for a Small Business Bank Loan
Applying for a small business loan at the bank can certainly seem intimidating. This is especially true if you are unfamiliar with the requirements and technicalities of the loan review process or if you are dealing with issues that may compromise your approval, such as bad credit. Here is a brief guide that will take you step-by-step through the general application process for a small business bank loan including a few tips on how to secure the bank's financing.

A Practical Discussion of Credit Bureaus and Their Scores
Understanding the importance of the Principal’s personal credit report and having the ability to explain the credit bureau’s decisions to your vendor or broker and give them the confidence to know that you are capable of handling their next transaction.
Small Business Loans With Bad Credit
It is possible to get small business loans with bad credit but it’s no easy task. Indeed, more than 80 percent of entrepreneurs with poor credit ratings who make loan applications find themselves being rejected. After all, lenders don’t just want to know that your business will be able to repay the loan. They want to see that you, personally, understand the principles of sound financial management. But before you get too worried, relax. There are steps you can take to improve your chances of being approved.

A Tale Of Two Business Credit Facilities – ABL Asset Financing And Bank Revolving Secured Facility
Information on business credit in Canada. What are some key differences in an ABL asset financing facility versus a secured bank line.
Getting on top of credit control
Effective credit control is not just about chasing money that is owed to you. You need to get it right from the start of the sales process.

Other business credit Related Articles

Credit Scoring
Ever wonder how a creditor decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you'd be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help creditors evaluate your ability to repay home mortgage loans. Here's how credit scoring works in helping decide who gets credit -- and why.
Why A Good Credit Score Is Important To Your Business
Whether you're in business or an individual, you should have an idea of what your credit score is, even if you're not currently applying for credit. Knowing your credit score and occasionally checking your credit reports also helps you protect yourself from identity theft and credit fraud.
A True Business Credit Card
true business credit card is a line of credit that is taken in the name of the business, under the business' credit. Activity, whether good or bad, is reflected on your business' credit report through D&B and other financial institutions, and the liability for any debts incurred and bills owed is with the business.
CREDIT BASED VS NON-CREDIT BASED FINANCING
When it comes to non-credit based small business financing, the benefits are evident. There is a very good chance you will be able to take advantage of great interest rates as long as your established business credit is favorable. Non-credit based small business financing comes in many different forms and is an excellent way to begin building your relationships with vendors. Many vendors will extend credit without a credit check if you have your Tax-ID number and a few other solidifying factors.
Basics of Credit Reports and Background Checks
Many employers would like to have a credit report before hiring, However, for job applicants, a credit report can seem like an invasion of privacy and unfair. The bottom-line is that employers need to approach credit report with caution and only use them if there is a business necessity, and further understand that here can be errors or items not related to employment. Job applicants also have rights when it comes to credit reports. Job applicants need to understand that credit scores are not part of an employment credit report and that employers do not request credit reports just to find ways not to hire. A credit report is only requested once a candidate is a finalist and there are certain positions where a requesting a credit report does make sense. This article surveys the use of credit reports and hiring.

Small Loans with Bad Credit in Australia
Small loans with bad credit in Australia can be had. Bad credit happens to everyone. The point is that the best way to get rid of bad credit is to pay off your debtors. Even doing that won't "clean-up" your credit. The only way to do that would be to get a small loan or some other form of revolving credit account going. But what is a good option and what's not? Fear not mate, I've got a few pointers for you.
Establishing Business Credit with a Secured Business Credit Card
One of the best ways to start establishing business credit is with cards specifically designed for businesses with no credit or less than perfect credit history. Learn what type of credit you can apply for to start building your business credit today...

What the Heck are Business Credit Bureaus?
The top three credit bureaus used in business credit are Dun & Bradstreet, Business Experian, and Business Equifax. Ninety-nine percent of creditors will report to one of these three credit bureaus. The top credit bureau is Dun & Bradstreet, so we will discuss it first.
Facts About Bad Credit Unsecured Credit Cards
Do you know the facts about bad credit unsecured credit cards and how they can help or hurt you and your small business? It is no secret that having bad credit can be a real hurdle for any small business. But bad credit does not have to mean no credit.
When selling a business check the business buyers credit history
Together with checking the potential business buyers resumes and references, one more important area the business broker should research very closely in the process of qualifying the buyer is his credit history. If the buyer has relatable experiences, then you would look to their credit worthiness. Now, as a business transition specialist, I must say here that very rarely do I see a buyer with bad credit. So what I really want you to focus on is not just the credit score. Take a look at credit history and, in particular, look for what type of credit they have previously had and, if any, what type of problems you can see within their credit history.

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