Small Business Loans 101

By Chris G.

What are small business loans? To put it briefly, small business loans are loans that are specifically designed in order to cater to the monetary and financial needs of small businesses. The interest, the amount that can be loaned and the time table to pay such loan are all in favor of small businesses. The interest rate ranges from a low rate of 4% up to a high rate of 15%. The ratio behind these low rates is that small business or starting out businesses will not have high or big funding in order to pay back the amount loaned. If the interest rate is too high then the small business cannot hope to pay such amount. As such, these low rates in order to help these small businesses follow through with their dealings.

The amount that can be loaned has also been personalized with regard to small business loans. Depending on the capital and assets of a business is the amount that the business owner or the business itself can loan from a bank or a lending institution. This guarantees that the small business will not commit over loan or the act of loaning a high amount that is very hard to pay back with the business current finances. There is a predetermined floor limit and a ceiling limit for small scaled businesses. This has been the practice of banks and lending firms for the last couple of decades since it has been backed up by adequate research and statistics gathered by the experts.


The time table for these small business loans usually range from 60 days up to 180 days depending upon the amount loaned. If the amount loaned is minimal then it will necessarily have a 60 day payable period. If the amount is high then it will have the maximum payable period of 180 days. This time table has been carefully studied by financial experts in order to cater to the needs and capacities of every small business owner nowadays. The time frame to pay the amount is in proportion with the capacity of the small scaled business ability to pay vis–vis the interest rate. If you own your very own small business then this is the right kind of loan for you to avail of!

These small business loans can now be easily availed of by using the internet. All you need to have is a computer with an internet connection. You can access any online banking website that will allow you to process your request. You need to key-in your personal information like your first name, last name, credit card number, social security number, email address, home address and the like. Registration typically takes as fast as a couple of minutes. You can expect your small scaled loan to be processed within 24 hours upon submission. You can either choose to have your loan delivered to your home or you can personally pick up the money, whichever you prefer. Availing of a loan has never been this easier like never before!

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Expired Listing Letter: An Important Marketing Tool For Real Estate Investors

By Simon Volkov

Expired listing letter refers to a marketing tool used by realtors and real estate investors. When realtors list real estate for sale they enter into a contract with the seller. These contracts are generally in place for six months to one year. If the property is not sold when the contract expires, sellers can enter into a new contract, locate a new realtor, list the home as for sale by owner, or take the property off the market.

The expired listing letter is used by realtors and investors who are interested in listing or buying properties. Expired real estate listings are located by searching the Multiple Listings Service (MLS) database. Every property across the nation that is listed for sale through a real estate agent is presented through the MLS database.

Investors utilize expired listing letters to contact sellers directly or to negotiate the sale of a property through a realtor. When investors work with realtors they earn a profit by closing the sale. When investors work directly with sellers they can eliminate realtor commissions by waiting until the listing expires.

Investors who have not dabbled in buying expired listing properties should take time to become educated about the process. This investment niche requires investors to develop a strong marketing strategy and have the ability to close sales when real estate agents have been unable to do so.


The first step of expired listings marketing involves creating the initial contact letter. A variety of expired listing letter samples are available via the Internet. Investors must adapt their letter to accommodate the circumstances of each seller. A good way to learn how to write compelling marketing letters is to participate in online real estate investing forums or join local real estate clubs.

The second step of expired listings marketing involves creating follow-up materials. These can range from direct mail campaigns to postcard marketing, and word-of-mouth referrals to cold calling. Within marketing circles, it is believed a customer must be contacted seven times before they are receptive to buying a product or service. Therefore, investors should develop a minimum 7-step marketing plan which keeps their name at the forefront of the seller’s mind.

Once real estate listings expire, sellers are often bombarded with expired listing letters. In order to stand out from the crowd, investors must create marketing messages which pique the seller’s curiosity and make them feel the investor can be trusted and will follow through on promises made.

It can be beneficial for real estate investors to hire a marketing company or copywriter to develop expired listing marketing materials. The primary focus of letters, brochures, and post cards should be to build a relationship with sellers who need to sell their home quickly.

Investors who are capable of solving problems will earn sellers business. When developing expired listings marketing materials it is crucial to focus on needs of the seller, not the accomplishments of the business being promoted.

Entering into the niche of expired listings real estate is highly competitive. In order to be successful, investors must be committed to their clients; develop a solid marketing plan; have a strong network of real estate professionals; possess the ability to locate motivated sellers and buyers; and know how to quickly close real estate transactions.

The expired listing letter is the catalyst to developing relationships and earning business. By taking time to carefully craft marketing materials, investors can attract sellers who need their services. By following through on promises made, investors can expand their business and generate profit on each transaction they successfully close.

About the Author: California real estate investor, Simon Volkov shares information and advice on utilizing the

expired listing letter

to generate profitable real estate transactions. He discusses a variety of investment strategies via his website at





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Bad Credit Second Mortgage Loans Vs. Home Refinancing 5 Fa Qs

By Marie-Claire Smith

Do you need cash in order to pay down some outstanding bills or to pay for an unexpected expense, such as a trip or a medical emergency?

If you are a homeowner, you may be in luck. For homeowners, there are two ways you can leverage the equity you have in your home in order to get the cash you need. The first way is to take out a second mortgage loan. The second way is to refinance your home.

What if you have a bad credit score? No worries: since you will be using the equity in your home as a form of loan collateral, you can still qualify for reasonable second mortgage loan interest rates – even with a low credit score.

If you are trying to decide between bad credit second mortgage loans and home refinancing, here are 5 FAQs that can help:

1. What is the difference between second mortgage loans and home refinancing?


A: A second mortgage loan – also known as a home equity loan – involves leaving your existing first mortgage alone. Instead, you are just taking out an additional mortgage, usually at a higher interest rate than you have with your first mortgage.

On the other hand, with a home refinancing loan, you are paying off any existing first and/or second mortgages with a new mortgage loan. And if you need extra cash in the process, you just take out a larger loan than what you currently owe on your home now. You end up with a larger loan principal and possibly slightly higher monthly payments, but you will have the cash you need.

2. Which type of loan is easier to qualify for if I have a bad credit score?

A: Both types of loans are easy to qualify for if you have a bad credit score. In both cases, the lender will look at several factors, including your credit score, the total amount of your outstanding (first and/or second) mortgage principal, and the current market value of your home.

3. Which option will allow me to get more cash in hand?

A: Both loans turn out about the same in this regard. Whether looking for a second mortgage or a home refinance, keep in mind that each lender will offer a certain loan-to-value (LTV) type loan. For example, an 80% LTV loan means that you will be able to borrow up to 80% of the total equity in your home. The higher the LTV, the more you can borrow.

4. Which option is lower cost to me in the long run?

A: Refinancing your existing home loan may be less costly, since it gives you the opportunity to possibly qualify for a lower interest rate than you have on your existing first mortgage. The result could be an overall lower cost of loan, which would save you more money in the long run.

5. Which option is faster?

A: Taking out a second mortgage (a home equity loan) is probably the fastest route for you to take because doing so does not involve your having to shop for a completely new first mortgage. In most cases, qualifying for a second mortgage loan takes less than an afternoon.

Bonus tip: if you have a bad credit score, be sure to shop for “bad credit second mortgage lenders” or “bad credit home equity loan lenders.” These are the ones that are most likely to approve your loan, despite your low credit score.

About the Author: Find more tips on how to qualify for a bad credit second mortgage loan at:

Bad Credit Second Mortgage Approval




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Buckingham Palace An Iconic London Landmark

If you are heading to England there are a few tourist hotspots that you must visit and Buckingham Palace is among the top rated attractions in the capital. Known all over the world, due to the fact that the British at one point of time in history ruled a considerable landmass, Buckingham Palace has been the royal residence of the monarchy for centuries and at present is the administrative centre of the Queen. The building is still used by Her Royal Highness for a number of occasions yet some areas have been opened up for the public, giving visitors a chance to get a glimpse of the stately lifestyle enjoyed by those who reside here.

This massive and historic structure has many as seven hundred and seventy seven rooms that include guest bedrooms, storerooms, staff bedrooms, offices and bathrooms. The state rooms are perhaps some of the most interesting areas here and are where most of the regal gatherings take place. Other fascinating areas within Buckingham Palace are the Ball Room, the State Dining Room and the Music Room where a number of historically significant events have taken palce. There is also a beautifully manicured quadrangle at the centre of the palace.


The daily tasks of the Queen as well as the Duke of Edinburgh are carried out from this palace; making it a setting that still has a lot of activity going on, on a daily basis. What is more, stately functions and state visits all take place right here at the Buckingham Palace. Events of the Queen and the royal family take place in the Staterooms. This marvellous building also houses a large collection of works of art that belong to the royal family though it is not a museum or an art gallery as such.

It is believed that every year more than half a million visitors come to Buckingham Palace as guests to the many occasions that take place here. If you are planning to visit London and looking to live it up in style, then staying at a luxury hotel in London is the best choice. One such luxury family hotel is The Langham London, which will treat you like royalty, while offering a range of modern comforts and conveniences.

Article Source: sooperarticles.com/travel-articles/destination-tips-articles/buckingham-palace-iconic-london-landmark-737081.html

About Author:

Pushpitha Wijesinghe is an experienced independent freelance writer. He specializes in providing a wide variety of content and articles related to the travel hospitality industry. Resources – luxury family hotel , luxury hotel in LondonAuthor: Pushpitha Wijesinghe

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Ecommerce Website How Social Media Networking Can Help Online Business

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By Daljeet Sidhu

Ecommerce – How Social Media Networking Can help Online Business

Social media websites are becoming increasingly popular. These networking sites bring together like-minded people from across societies, even geographies, to share views, interact and exchange information. E-commerce website marketing executives recognize the potential of marketing on these portals to increase brand awareness. Currently, over 25% of display advertisements are posted on social media websites.

Strategies used by e-commerce developers on social media websites

E-commerce developers use the following strategies on social media websites to develop and promote their internet business:

Display Advertising

Display ads can be developed for a target audience, include information on offers, discounts, coupons and deadlines to make the customer act urgently. Display ads can clutter up a website’s landscape, so make sure they are targeted to make them relevant to the website’s context.

Increasing Brand Awareness


Since these sites are interactive, e-commerce developers can engage users in discussions of the brand. They can demonstrate quality and expertise to the potential customers and build the brand’s image.

Spread the Word

A lot of customers post their opinion of brands on social networking sites. E-commerce websites should encourage their satisfied customers to spread the word by sharing their feedback on these sites.

Building a User Community Through the E-Commerce Site

The e-commerce business can begin building a user community on its own website. The web site should be designed to link their user community to various social media sites. User forums are an excellent source of feedback on the e-commerce business’ products and services.

Monitoring Discussions of Brands

Just as positive feedback of an e-commerce business’ products and services can enhance the brand image, negative feedback can damage it. E-commerce developers should closely follow any mention of their products on social networking sites and address misconceptions and complaints. This builds a customer friendly image of the brand.

Advantages of using social media websites to promote e-commerce business

There are many potential benefits of using social media websites for e-commerce development:

Widened Customer Scope

Social networking websites are popular and their membership is rapidly growing. By placing ads on such sites, e-commerce businesses expand their customer outreach. Display ads should attract the attention of interested members. A click on the display ad should immediately take the customer to the page on the e-commerce website where they can finalize the sale.

Increasing Brand Awareness

Social media websites allow e-commerce display ads to be viewed by a large section of people who share some common interests. Display ads that target this customer segment will have better chances of getting through to this community, increasing awareness of the brand.

Influencing Brand Reputation

Social media website members will share their opinion of brands. This influences the brand’s reputation, and improves sales if the customers have something good to say. Even bad opinions can be altered or at least improved by following up with the dissatisfied customers.

Social media websites are opportunities for e-commerce businesses to expand their clientele and improve their brand image. By their very nature, social networking sites have a strong impact on the reputation of a brand. E-commerce developers should understand the merits and demerits of marketing through social media websites and make the most of this advertising opportunity.

About the Author: Daljeet Sidhu is at TradeSeam. Read our

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