http://www.financealley.com en-us editorial@financealley.com Building a company in a tough credit environment is not an easy task. And many companies run into financial problems not necessarily because they lack opportunity – but rather because they lack business credit. Obtaining any form of <a href="http:/... http://www.financealley.com/article_718008_15.html 13th December 2008 Obtaining business financing has always been a challenging task for business owners. But if it’s hard to get financing in good times, it’s nearly impossible to do so in the tough economic environment that we live in. Banks are being especially cautiou... http://www.financealley.com/article_718006_15.html 13th December 2008 Applying for a small business loan can be a frustrating process for a business owner. Most institutions have grown a bit wary of small businesses and require extensive pape... http://www.financealley.com/article_669415_19.html 20th October 2008 Lately, the news has not been very encouraging for business owners. The country is amidst the biggest credit crunch in its history and the federal government is making major policy changes to try and contain the problems. But credit crunch or no credit cr... http://www.financealley.com/article_669412_15.html 20th October 2008 Looking for business financing can be one of the most important tasks that a business owner handles. Unfortunately, the chances of successfully getting a <a href="http://www.business-loan-financing.com... http://www.financealley.com/article_669411_19.html 20th October 2008 Getting business financing is one of the bigger challenges for business owners – especially during these times. Although it’s well known that getting a <a href="http://www.business-loan-financing.c... http://www.financealley.com/article_669410_15.html 20th October 2008 For product distributors, cash flow is always a big concern. Unless you have been in business for a long time, most suppliers will insist that you pay them soon after delivering the goods. Or worse, prior to delivery. However, most of your clients will in... http://www.financealley.com/article_641413_15.html 18th September 2008 Running a construction company that installs underground utilities or over ground cables can be very profitable. Most of the times, the clients are top rates companies such as major utilities or cable operators. Although profitable, keeping enough working... http://www.financealley.com/article_641412_15.html 18th September 2008 One of the biggest obstacles for small business growth is access to working capital. Companies that have access to business financing, are usually better positioned to take advantage of op... http://www.financealley.com/article_626010_15.html 08th September 2008 Getting business financing is tough when the economy is doing well and almost impossible when the economy is doing badly. There is a reason for this, lending money to a business is considered risky, especially for financial institutions. This is why most ... http://www.financealley.com/article_626008_15.html 08th September 2008 Small business owners have always had a tough time obtaining financing. Simply, most small businesses just can’t qualify for conventional business loans. The requirements are too onerous... http://www.financealley.com/article_626007_19.html 08th September 2008 Looking for small business financing has always been a challenge for company owners. Even in good times, qualifying for the financing you need has been difficult. As a rule, most banks req... http://www.financealley.com/article_599586_15.html 15th August 2008 One of the challenges of looking for conventional business financing is that it can take a very long time to find out if you will qualify for it or not. Although there are no hard and fas... http://www.financealley.com/article_599585_15.html 15th August 2008 One of the biggest reasons why small companies can’t get business financing is that they lack the collateral that most financial institutions demand. This puts business owners in a very ... http://www.financealley.com/article_552725_15.html 09th June 2008 Looking for a business loan but can’t find one? Or worse, has your loan request been rejected? One of the toughest jobs for business owners is trying to secure business financing. Unfort... http://www.financealley.com/article_552723_19.html 09th June 2008 Small business owners are usually confronted with a number of challenges. One of them is getting business financing. Although most entrepreneurs start their businesses with their own funds, or those of friends and family, soon they reach a point where the... http://www.financealley.com/article_552722_15.html 09th June 2008 Running a transportation company, a carrier or broker, has always been a financially rewarding career. When run properly and professionally, they can grow beyond your expectations. At the same time, they present financial challenges as well. Transportatio... http://www.financealley.com/article_544220_15.html 21st May 2008 Working capital is the lifeblood of a transportation company. Whether you own a carrier or a brokerage, you constantly need to juggle fuel payments, repairs and driver salaries. What makes the business challenging is that most customers pay for their frei... http://www.financealley.com/article_544219_19.html 21st May 2008 Managing their cash flow can be one of the most important duties of a business owner or manager. And it can be one of the most challenging. Most companies have clients that pay invoices in 30 to 60 days. Many times, this forces business owners to juggle ... http://www.financealley.com/article_544216_15.html 21st May 2008 Securing funding for a new venture has always been a challenge for business owners. Ensuring that the company has the proper level of financing is one of the most critical tasks. However, finding financing for a new venture can be very hard. On one side, ... http://www.financealley.com/article_518561_15.html 16th April 2008 One of the challenges of conventional financing is that it is not always very dynamic. Although conventional business financing can be a great tool to buy an asset, such as machinery or of... http://www.financealley.com/article_518560_15.html 16th April 2008 Wondering whether you’ll be able to get a loan for your business? Getting a business loan is one of the toughest tasks to accomplish for a company owner. Although banks represent a very ... http://www.financealley.com/article_511636_15.html 07th April 2008 Going through a chapter 11 bankruptcy can provide you with the necessary breathing room to reorganize your company, while giving you a chance to reduce obligations that would have otherwise forced you out of business. Although no one desires to go through... http://www.financealley.com/article_495707_15.html 26th March 2008 It’s a known fact that companies that obtain bankruptcy financing have a much higher chance of emerging out of chapter 11 as a viable company than those that don’t secure debtor in possession financing. However, obtaining DIP financing has always been... http://www.financealley.com/article_495705_15.html 26th March 2008 Having liquidity – the necessary funds to pay suppliers, employees and regular business expenses is critical the success of a business. 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Most commercial and government clients pay their invoices in about 45 days. In the mea... http://www.financealley.com/article_239579_15.html 06th November 2007 Waiting 45 days to get paid by your customers can be painful, especially if you own a new and growing company. Business clients, especially medium sized and large companies, always insist that you give them credit terms. That means they will pay 30 to 60 ... http://www.financealley.com/article_203869_19.html 20th August 2007 Hurry up and wait. Sounds familiar? If you own a business that sells products or services to other companies, you are very familiar with the painful payment cycle that clients can put you through. They demand immediate delivery of the service, but will in... http://www.financealley.com/article_203867_15.html 20th August 2007 Financing a new and growing business can be very challenging. As most business owners know, going to the bank for business financing can be challenging. Unfortunately, banks will seldom ... http://www.financealley.com/article_178425_15.html 29th June 2007 New and growing businesses face a constant shortage of working capital. This shortage is more pervasive if you sell to other businesses or to the government. Why? Because other businesses and the government can take up to 60 days to pay their invoices. Th... http://www.financealley.com/article_178424_15.html 29th June 2007 One of the biggest challenges for Canadian company owners is obtaining business financing. As a first instinct, owners usually try to go to the bank hoping for a <a href="http://factorin... http://www.financealley.com/article_176732_15.html 20th June 2007 The Canadian transportation industry is very cash flow intensive. Truckers and brokers have a number of recurring expenses that place demands on their cash flow. They must pay drivers, repairs, fuel and other suppliers. In the meantime, they usually need ... http://www.financealley.com/article_176730_15.html 20th June 2007 One of the biggest challenges for new and growing importers, resellers and wholesalers is getting a stream of orders from great clients and not being able to fulfill them because they lack the capital to do so. It is ironic, but true. Going to a bank f... http://www.financealley.com/article_157207_15.html 09th May 2007 Owing a trucking company or logistics company (freight brokerage) can be very profitable. At the same time, transportation companies tend to be cash hungry. There are fuel ex... http://www.financealley.com/article_157205_15.html 09th May 2007 One of the biggest challenges for staffing company owners is meeting payroll. Employees must be paid every week – without exception. However, paying employees can be very difficult if an agency does not have predictable or reliable cash flow. What is wo... http://www.financealley.com/article_148270_15.html 18th April 2007 The cable installation business can be very profitable – if managed properly. Most cable installers operate as subcontractors for large telecommunications or cable companies, such as AT&T, Adelphia or Comcast. This can be a great business model that mak... http://www.financealley.com/article_148269_15.html 18th April 2007 To be a successful scrap metal dealer you must be able to handle large orders – constantly and consistently. You must be able to pay for the scrap metal costs in advance (and at the best prices) and then wait 30 to 60 days until the transaction is settl... http://www.financealley.com/article_135560_15.html 06th March 2007 Companies that sell reinforcing steel bars (or concrete bars - also known as Rebar) have seen a boom in recent years. Many cities have seen a surge in residential and commercial real estate projects, which in turn has increased the demand for Rebar. Co... http://www.financealley.com/article_135558_15.html 06th March 2007 If you sell goods/services to other businesses or to the government, then you know that commonly you have to wait 30 to 60 days to get paid for your services. Unless your business is well capitalized, waiting to get paid can drain your working capital and... http://www.financealley.com/article_127749_15.html 09th February 2007 Do you have commercial or government clients? Working with commercial and government clients can be very profitable. However, these clients also tend to pay invoices in 30 to 60 days, which can drain your company’s working capital. Many times, these gre... http://www.financealley.com/article_127748_15.html 09th February 2007 Selling your products or services in export markets can be a very profitable and a true engine for growth for your company. Manufacturers, service providers and traders can all benefit from adding foreign markets to their portfolio of customers. However, ... http://www.financealley.com/article_116993_64.html 06th January 2007 Paying employees, rent and suppliers are the three biggest expenses that most business owners face. If you are a wholesaler / reseller and buy and resell goods, your biggest expense is likely to be supplier payments. On the other hand, if you provide serv... http://www.financealley.com/article_116992_15.html 06th January 2007 Usually, the biggest limitation to the growth of an import/export business is its ability to obtain working capital. Many times, getting the right financing can spell the difference between a company that will grow and be successful and one that will not.... http://www.financealley.com/article_114914_15.html 29th December 2006 Are you selling goods or services to companies in other countries? Although expanding your company beyond your national borders is very exciting and profitable, it will also subject you to the payment habits of your foreign customers. Many times, customer... http://www.financealley.com/article_114913_15.html 29th December 2006 Do you have clients that pay your invoices in 30, 45 or even 60 days? If so, then you are aware of how their slow can drain your working capital. Unless your company has a nice cash cushion in the bank, paying suppliers or even employees can become a prob... http://www.financealley.com/article_113778_15.html 21st December 2006 Factoring financing is one of those business financing tools that is not well known by the general public but widely used in the business community. It is widely used, because it’s easy... http://www.financealley.com/article_113777_15.html 21st December 2006 The biggest challenges that many import companies have is finding a way to pay suppliers when a customer places a large order. As is common in import transactions, you must pay your suppliers using a letter of credit and then wait until the goods are deli... http://www.financealley.com/article_111368_15.html 12th December 2006 Do your clients take 30, 60 or even 90 days to pay their invoices? Extending payment terms, as it is commonly known, is very common in the business world. Customers demand that they be given credit, in the meantime you still have to pay for your companyâ€... http://www.financealley.com/article_111367_15.html 12th December 2006