Tag Archive: Finance

Alternative Business Finance Solutions

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The main setback to the growth of a small business is finance. Cash flow troubles seem unavoidable. Small businesses look for alternative solutions to succeed. The Merchant Money business finance providers offer alternative business finance solutions. Merchant money offers solutions to finance problems.

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Pay As You Trade Product

Merchant money considers paying as you trade a revolutionary product. Pay as you trade is flexible sine it has no fixed repayment terms. hjjhjhjhjhThe repayments are adjustable basing on future earnings of the business. Pressurizes repayment plans cripple the cash flow of small businesses.

The revolutionary pay as you trade product unsecured advances. The progresses up to £50,000 and is based on future credit and debit card sales. The amount is paid in installments. A small percentage of the daily transactions are deducted until the amount is recovered. Merchant money charges only a simple pre-agreed fee which is added to the cash advance.

Pay As You Trade product allows businesses to pay only when they earn. There is no time limit to repayment. The company is authorized to pay at their pace as they advance. There are no fixed repayment terms hence a business doesn’t have to worry about missed payment.

Application process

In merchant money, the application process for any product is guaranteed fast and straightforward. There is no fees or obligations on the use of any product. The approval rate is 90% guaranteed. There are no fixed or monthly repayments. You only pay when able to pay. Repayments to pay as you trade are never cash but only connected to card sales. There are no hidden extra payments no admin fees. To qualify for Pay As You Trade, you must have been in business for more than six months.

Business Loans

Merchant money offers business loans up to £100,000. The loans are available for 1 to 24 months. Obtaining a loan is guaranteed to be fast and flexible. Repayment terms are engineered to suit the business needs. They discuss terms with the business owner to make sure they are convenient. They cater for needs including cash flow concerns. You can recover your loan early without additional fees. A company can reduce its interest by paying more monthly. The only requirement to getting a loan is telling them about your business. The application process is fast, and there is a 90% chance of approval.

Qualification

kjkmnmmnbvbvbTo qualify for a business loan, you must be the UK registered. The company should also one-year audited trading accounts. The directors must be over 18 years. The application for a loan is guaranteed fast. The terms of repayment are flexible, and business plans are not required.

Merchant money has successfully helped businesses to grow. They consider their growth as their sole priority. They ensure their financial solutions are convenient for use. Their solutions are so far the best.

What you should know about Finance in Business

What you should know about Finance in Business (1)

Finance in business encompasses various activities revolving around the money management and other value assets.

All businesses need finance to pay for overhead transactions as well as day to day variable expenses.

A new business requires huge amount of finance to buy assets, pay rent, buy stocks as well as pay overhead expenses. Finance used to start a business is called start-up capital.

Expanding business also need more finance to buy more fixed assets, fund a takeover, among other internal expansion activities such as developing new products.

In case of a loss-making business, finance is necessary to acquire more efficient machines and also cover up negative cash flow. However, it is very difficult for a loss making organization to obtain finance from a financial institution.

What you should know about Finance in Business (2)Business can be financed through different means, which features different advantages and disadvantages.

The most common methods of financing businesses involves taking advantages of credit arrangement offered by financial institutions. Financial institutions such as banks are in the business of financing other businesses.

They have advantageous arrangements that offer capital to other businesses, investors, and consumers, which can help them, achieve their goals.

Properly managed debt is vital for both small and large business as it ensure steady and rapid expansion of business.

Bank loans and credits are designed to allow borrowers with well established reputation to access larger amount of finance at lower interest-rates, which is friendlier for a prosperous business.

Business owners need to find a way and work hard to build credit scores for their companies.

Choosing for a more reliable financial institution, getting financial advices from the financial institution, and repaying loan and credits in time are the main ways of improving credit score.What you should know about Finance in Business (1)

There are different ways of accessing equity financing. Investment from different venture capitalist can provide influx of capital and expert finance guidance for a start up business.

Established businesses have better ways obtaining finance. For instance, they can incorporate more share holders by selling shares to raise large amount of debt-free capital.

This is done through legal dilution of business ownership among many share holders.

Wise financial decision is vital for any financial investments as wise financial investments results in profitable investments and prosperous financial operations.

Taking financial advise from expertise and Investing in more conservative ventures such as interest-bearing bank deposits, blue-chip bonds, trusted dividend-paying stocks, assist businesses to diversify their income, hedging themselves against risk in the marketplace.

Finance Concepts for Beginners

Finance is something that touches on the lives and activities of everyone.

Finance Concepts for Beginners (1)

Having a basic knowledge of financial concepts can come in handy not just in daily life, but also in career.

Finance and accounting are closely related and should be taken together. The later takes are of recording and reporting on the economic condition of various entities.

On the other hand, finance is the function which makes use of the recorded information from accounting so as to make decisions such as hoe to utilize available resources most effectively or even raise additional funds.

So, in at least one sense of the word, finance can be said to be a future-looking concept which makes use of past data in order to make decisions.
There are three major financial statements in finance, a balance sheet, the income statement and statement of cash flows.

The income statement is used to describe the results of activities which are related to the development, production, sales and marketing of the products or services offered by a company.

It communicates the net income of a company which is defined as revenues less expenses for a certain period of time.

It has various components such as gross margin, operating earnings, earnings before income tax, net income and significance to investors.
Another concept is the balance sheet which summarizes what a financial entity owns and owes.

It can be used as a measure of net worth and describes a figment of the financial position of a company at a certain point in time.

The components of the balance sheet are assets, liabilities and the equities of shareholders.
Last but not least is the statement of cash flows which simply outlines the flow of cash into and out of a business over a given period of time.Finance Concepts for Beginners (3)

It reflects the liquidity of a firm or its ability to use cash in order to settle outstanding liabilities.The components of this statement are cash from operating activities, investments, financing activities and its significance to investors.

All of the above financial statements are usually made available to the public via annual reports, 10-Qs and 10-Ks. The annual report is an obligation for public companies to provide to their shareholders including information on their financial conditions, operations and management.

Now you have it, a simple beginner introduction to finance which can be a basis for further reading, research and development.
Hopefully, the information provided here will be enough to give you a glimpse into the world of financing and how big companies make and use their funds.