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Most Current
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Business
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Business Finances
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Accepting Payment and Credit
Information Compromise and Identity Theft: Guidance for Your Business
These days, it is almost impossible to be in business and not collect or hold personally identifying information about your customers. If this information falls into the wrong hands, it could put these individuals at risk for identity theft.
Business
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Business Finances
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Accepting Payment and Credit
Accepting Cash and Checks
Establishing payment and collection policies and understanding the laws that regulate them are indispensable steps toward protecting the financial health of your business.
Business
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Business Finances
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New Business Financing
Equity Financing
Most of the time additional equity comes from friends, relatives, employees, customers or colleagues. However, the most common source of professional equity funding is from venture capitalists.
Business
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Business Finances
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Business Grants, Funding & Capital
Equity Capital
Unlike debt, equity capital is permanently invested in the business. The business has no legal obligation for repayment of the amount invested or for payment of interest for the use of the funds.
Business
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Business Finances
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Business Grants, Funding & Capital
Trade Credit
Trade credit is credit extended by suppliers. Ordinarily, it is the first source of extra capital that the small business owner turns to when the need arises.
Business
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Business Finances
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Business Grants, Funding & Capital
Managing Internal Capital
Before seeking external sources of capital from investors or lenders, a business should thoroughly explore all reasonable sources for meeting its capital needs internally.
Business
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Business Finances
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Business Grants, Funding & Capital
How the Need for Capital Arises
To just stay in business or to expand, the small business owner needs capital, but where do you get it?
Business
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Business Finances
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SBA Loans
Certified Development Company 504 Loan Program
The SBA provides long-term, fixed-rate financing to small businesses to acquire real estate or machinery or equipment for expansion or modernization.
Business
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Business Finances
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SBA Loans
Microloan, a 7(m) Loan Program
The SBA provides short-term loans of up to $35,000 to small businesses and not-for-profit child-care centers.
Business
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Business Finances
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SBA Loans
Loan Prequalification
The SBA offers a loan prequalification to assist small businesses. It is important to note, however, that the SBA is primarily a guarantor of loans made by private and other institutions.
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