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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.

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Know Your Customers - Or Perish!
Most companies (large and small) don’t know their customers very well. Certainly, some people within the company usually have intimate knowledge of key contacts, information, history, and details about customers, but that information isn’t institutionalized as often as it should be – which means it can leave with your salespeople! Remember, you own this data. To that fact, add this one: The most valuable component of any company’s assets is its customer data. Forget your balance sheet, long-term assets, and short-term assets. Without your customers, and the information regarding those customers, everything else is meaningless. Clearly, some framework of capturing customer data is vital for business success. Capturing and using that data is called “Customer Relationship Management.”

SELLING A BUSINESS: Legal Pitfalls
Consider how to structure the sale as early as possible, and take advice from your legal and tax advisers. If your business is run through a limited company, you will need to decide whether to sell the shares of the company or just the assets. A share sale tends to be more complicated since you are selling not only the assets, but the liabilities of the company too.

Brand Revitalization
Building a strong brand takes commitment, time and hard work, but the result is one of the most valuable assets a company can own. That said, not all assets are static, and your brand image is no exception.

Struggle If You Must During Career Transition, But Why Should You?
To advance forward is to advance to new perspectives by developing new competencies in both soft and hard skills. What is meant by soft and hard skills? I see the hard skills as those that are produced. They are measurable, quantifiable and can be observed outside of self. They have empirical evidence. For example, when a client of mine has a goal to make a career transition into another field of interest and she/he has succeeded, it is obvious to everyone who is familiar with him/her. It is measurable in that the client did break away from one profession and moved into another, which could be seen by others.

Soft Skills, Hard Numbers
Leaders know they need the "soft" skills but the book-keepers require "justification" for the results. However, in this "soft" economy with reduced staff, every conversation contributes to the "bottom line".
Leading Up by Example
In my work with leaders across the country, I frequently run into a perplexing question. When working with management layers in the middle, I will frequently hear, “Bob this is great stuff on building trust. I am anxious to build the kind of environment you describe. I have only one problem, my ogre boss does not go for the soft stuff, so I am stuck.” My advice is twofold. First, there is nothing soft about building trust. It is a hard-edged measure that has more power than any other business variable to impact performance. The skills needed to build trust are not “touchy feely,” they are pragmatic, concrete behavioral actions that can be taught and learned. Second, you are not “stuck” even if your boss is a dyed-in-the-wool curmudgeon with negative Emotional Intelligence; it does not prevent you from leading by example.
Be a Change Management Rocket Scientist
When you get down to it, change management is a pretty “soft science” – a combination of ideas from organizational psychology, sociology, cultural anthropology (and some other things ending in “ology” that I can’t remember). This, however, does not impress our friends in the “hard sciences” (engineers, chemists, physicists and other things not ending in “ology”). These guys become suspicious if you talk to them about things you can’t put in a test tube. “Show me the empirical evidence” they say when you talk to them about the soft-side of organizational change. “I want to see the data” or “give me the formula”. This is when a change manager turns into a rocket scientist and pulls out their secret scientific weapon the CHANGE EQUATION!

Soft Skills Training
It is often argued that the education of hard skills is becoming more prevalent in schools and, as such, graduates are coming out more skilled than ever. Hard skills relate to abilities that are testable, such as typing or mathematical skills. Unfortunately, soft skills are often neglected and today’s grads find themselves incredibly skilled but unable to practically implement what they’ve learned. Soft skills relate to teamwork and interpersonal skills.
6 Habits of Successful Leaders
A company's greatest assets are the employees and the customers; but are you as a leader doing everything to make these assets feel valued? A company is a reflection of the leader. It is easy to figure out what it happening at the top based on what you see happening on other levels of an organization. Here are 6 ways to be more effective as a leader and a daily tip to improve your service.
A 'SOFT YET FIRM' Message to Forcefully Impact a 'BAD ATTITUDE'
So Many Times we believe in applying Brute Force (in physical or verbal terms) to correct someone's bad manners, or worse, invasive or intrusive behavior. 'BAD ATTITUDE' is one such verbal weapon - a brutal shattering of the offender. Especially when it is the Young who are the 'culprits. But what if the real powerful 'change agent' in such cases is neither the Hard Line nor the overly 'Soft' line? I mean, a careful balancing of both the soft and the firm in a nuanced message? Try it! Miracles may occur....
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