Financing A Small Business - What Are The Financial Responsibilities Involved In Running A Business?

Almost every potential business owner is faced with the trouble of seeking for ways in which finance can be acquired to run the business.However, it should be noted that such troubles are not only identified with potential entrepreneurs.Research has shown that even experienced business owners also faced such difficulties.Keep in mind that in seeking solutions to such difficulties, there will be accuracies as well as inaccuracies and these will all determine the success or failure of the business.

The above is an indication that starting a business and running the business should not be an end in itself.You must seek for means through which the business will be able to stand the test of survival often posed by its competitors.The following lines are aimed at identifying ways through which a business can be financed, be it incorporated or unincorporated:

Unincorporated Business

This type of business will refer to those that have unlimited liabilities.

In most cases, such businesses have not been properly documented and the status of legal personality is absent.There is no distinction between what the business owns from those of its owners.Keep in mind that in the event of any problem, the owners are personally liable for the debts of the company.

Any source of finance on this type of business organization will weigh on the owner.Keep in mind that there is no legal personality in the business and this will deter any lending institutions from providing capital to the business.What is normally open to owners of such businesses is finance through the use of credit cards or some other forms of personal savings.But the problem with using credit cards is great.Remember that you may sometimes make use of these cards out of intuition.It is simple to charge.

For this reason, there are lots and lots of lending institutions which will be afraid or unwilling to lend to unincorporated associations.They will not want to place their finances in ventures in which they are uncertain about their future.A good number of such businesses have been known to disregard certain essentials in running the business or even in repaying back their loans.

Incorporated Businesses

These are businesses that have fulfilled all the essentials of setting up a business and that have adequate cover in the event of any crises.

Such types of businesses will include limited liability companies or partnerships.In most cases, the records of these businesses are open for appraisal and the administration of such businesses will conform to the required business standards.

It is very easy for these types of businesses to receive the required finances.Keep in mind that lending institutions are more confident of their ability and willingness to pay back.Financing with such businesses will be easily obtained at any phase of the business.Remember that there are lots of individuals as well as groups who will be willing to come in with finance that the business needs.This is however possible only when the appropriate individuals or groups have been identified.

This type of situation is known as angel financing.Remember that when a business is properly administered and it has a sound reputation, it will attract more investors.Investors will also find it appropriate to be part and parcel of the current affairs of the business.

Besides the above type of financing, there are also many financiers who are willing and able to invest in high risk ventures, but with an expectation of equally taking home more profits.The business can also make open its shares for acquisition by the general public.In some cases, banks and other finance institutions will be willing to finance these businesses if they see a convincing business plan.However, if you are in search of any means to finance your business, it is necessary to carry out proper research ahead of resorting to any source of finance.

About the Author

Learn more about business loan rate as well as tips and techniques in getting the right business plan template for financing projects at http://www.

365capital.com, the expert resources on how to finance a business for entrepreneurs.

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Tags And Google Analytics - What Tags And Numbers Are Important?

On my website each page should have targeted keywords in its source area.What keywords should be in the source area for blogs?The subject matter in my blog is not as targeted as my squeeze page and website.

Answer: First of all, I don't have a lot of keywords on a lot of my pages.Why?It is more important for me to get links pointing to my pages from websites that have the keywords.98% of the time you should focus on the links coming into your site.

The other 2% of the time you should deal with tags.Your title tags are the most important thing on your site.Your title tag should have no more than 83 characters in it to get you high up in the search engines.Next, your H1 and H2 tags are important and should have keywords in them.Then worry about your keyword tags.

I'm not a big blogger in the sense that you are talking about.From a squeeze page and webpage perspective the first thing I do is I usually run Google AdWords to my squeeze page.I can look at what keywords are giving the best click through rate.This click through rate lets me know which ads in my Google AdWords campaign people are clicking on the most when they are sent to my squeeze page.I optimize my site based on the click through rate.

Then people start subscribing to my list.I look at what keywords people are using to opt in to my squeeze page.Then I use those keywords to optimize my squeeze page.

After they opt in I send them to a place where they can buy.Then I optimize the site for buyers.So I get the buyer keyword information last.

I even optimize my articles with those keywords.Look in your Google AdWords campaign and find out what keywords people are clicking on.Look at your control panel to find your stats to find out what keywords to focus on.

Question #2: What are the most important things to look for in Google Analytics?

Answer: It depends on what you are tracking.When you login to Google Analytics go to "View Reports" for a specific site.I look at how many average visitors I had, my bounce rate, how many page views I had, and the number of new visits I had, and where my biggest traffic source is.

On one of my sites I'm consistently getting 650-715 per day, but then it dropped down to 293 one day and then jumped back up to its average of 650-715.This drop happened on a Sunday.This number makes me want to investigate what is going on.

I want to analyze the top traffic sources.Looking at the numbers of where my traffic comes from I had the following: 84% came directly from Google, 7.8% came from this site, etc.

I also look at what keywords people use to find my website.There are many numbers you can analyze and get ideas from.It gives you an idea of what is going on with your sites.

I actually use HyperTracker more often than Google Analytics.Here are the numbers I look at.I'm looking more from an email marketing perspective.So I want to know the total number of clicks, impressions, open rate, clicking on links in the emails, going to the page and actually buying, and the conversion rate on the opt-in page.I also look at how many people actually buy after the opt-in page.I look at the value-per-visitor as well.

I send out emails through HyperTracker to get this information.I also find this information in Google AdWords.

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Find the Market Value of Your Business

Business appraisals are an integral part of the way business is done today. No one would buy a home or vehicle without knowing the fair market value of it. The same is true with business, whether large or small. Anyone looking to purchase a business of any kind will request a recent appraisal or valuation of the business. Every type of business in existence has a market value that can be assessed via means of appraisal or valuation.

Importance of Business Appraisals

The importance of business appraisals goes far beyond understanding what an existing business is worth. Entrepreneurs can use valuations of other businesses closely related to theirs to help them create a successful business plan. Smart entrepreneurs will learn from the mistakes as well as the successes of their competition. Existing business owners may use an appraisal to determine shortcomings of their business and improve upon them.

Official appraisals may be obtained from professional appraisers. Appraisals required for personal use may be done via computer software. Some software packages offer the ability to input your companys financial and other required information to produce a fairly accurate business valuation. In most cases, business appraisals used for buying or selling a business must be completed by a professional appraiser.

Business appraisers are not the same as real estate or equipment appraisers. A business appraiser has been disciplined in the ways of appraising businesses, not homes or equipment. Sometimes real estate and equipment fall within the lines of the business appraisal, in cases such as this, more than one appraiser may be required.

Business Appraisal Credentials

Much like doctors, business appraisers often specialize in a specific designation. Specific designations include: Certified Business Appraiser CBA, Accredited Senior Appraiser ASA, Certified Public Accountant Accredited in Business Valuation CPA/ABV, Certified Valuation Analyst CVA and Chartered Business Valuator CBV. Each designation carries with it different abilities and responsibilities. When searching for a business appraiser, check each designation carefully to determine the type of appraiser you require.

Assessing the Costs of Your Appraisal

Acquiring a business appraisal can be expensive, be prepared. An oral appraisal is often less expensive than a written appraisal but an oral appraisal isnt as valued to someone looking to buy your business. Appraisers have a set guideline they follow when appraising a business. Before choosing the best appraiser for the job you require, discuss your appraisal needs with your partners or advisors. Create a list of questions you need to ask potential appraisers. If your needs go beyond the scope of a certain appraisers expertise, they may not be the appraiser you need to hire. Dont limit yourself to one appraiser. Keep your options open until you find the perfect appraiser for the job.

An oral business appraisal may cost under 300, especially if the appraiser is just getting started or is a broker with no appraisal designation. Specialized written appraisals can cost thousands of dollars, depending on the depth of the job and how many hours it takes to complete. Accredited business appraisers charge a minimum of 100 per hour and usually require at least two to four hours to perform the appraisal with an additional hour to explain it to the client. The entire oral appraisal may take as few as two hours or as many as six.

A written business appraisal costs a minimum of 2,500 to 5,000 in most areas. A written report is very in-depth and may take the appraiser up to fifty hours of work to complete. Expect a written appraisal to be approximately 100 pages of information. Very large companies may be looking at a cost of 10,000 for an appraisal.


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