General Business and Finance Blog

If your business still does not have a merchant account that allows you to offer full credit card services, you are turning your back on profits. Just take a look at all of your competitors. All of those that pose serious competition accept credit card payments. Those that do not have credit card services do not have great sales figures to show, either. Even statistics point to the fact that companies that have credit card services earn much more than companies that do not have credit card services. The average credit card sale is while the average cash sale is only . That means you are losing potentially per sale.

You may also be spending more by accepting only cash and check payments in your business. The processing of cash and checks has been found to be more costly, requiring more manpower in handling. Studies have shown that the average processing cost of credit card payments is only 2.7% of a transaction while the average processing cost of checks is 4% of a transaction and the average processing cost of cash is 4.8% of a transaction. Once again, you are leaking profits by refusing to accept credit card payments.

So how do you accept credit card payments in your business? This is where credit card services come in. The old route is to apply for a merchant account in a bank. You will then have to lease the software and equipment necessary to actually process payments and send the data to your account. If you want to accept credit card payments online, you need to apply to a payment gateway that allows real time credit card authorization for online transactions. You should ensure that your payment gateway is compatible with the bank or financial institution where you have your merchant account, and with the software and equipment you have leased.

In choosing the bank or financial institution for your merchant account, consider their expertise in combating fraud and reducing chargebacks. Also make sure that they are experienced in handling merchant accounts with online transactions.

If you are a small business owner, stick to a bank or financial institution that caters to small businesses rather than large companies. You may be able to get better rates and packages designed for your specific niche.

There are options for credit card services that offer everything you need in one easy package. You will not have to deal with various entities or go through various procedures. Often, these options also have added benefits, among them, quick reporting on your credit card sales figures. They may also offer interest on your credit card sales income, even up to money market rates.

One very important feature of your credit card services that you may not know of is that it can automatically qualify you to avail of small business loans. Once you have established a record of sales through credit, most credit card services will allow you to make cash advances that are practically like getting previously approved small business loans without having to put up any required collateral. The credit card services consider your future income through credit card sales as your collateral. This can go a long way in further growing your business.

Payment will not be a problem, either. For as long as you have sales through credit payments, you automatically get to pay your small business loans. It does not matter how much your sales are. Your payments are automatically deducted as a percentage of your sales. You are always covered.

Now do you still need further convincing on the benefits of credit card services for your business?

To achieve financial independence, experts encourage even currently employed individuals to consider entrepreneurship. Setting up your own business, no matter how small, is touted as one of the best ways toward building the foundation for wealth. Those who are concerned about having a safety net need not take the plunge recklessly. One can start setting up a small business even while employed.  

Of crucial use to small businesses are credit card services and small business loans. The entrepreneur needs to know how to avail of these tools and how to effectively wield them for maximum business growth.

Credit Card Services

A small business would do well to get reputable credit card services in order to prosper in the current business climate. Availing of credit card services will enable it to accept both credit card and debit card payments. This is true either for brick-and-mortar businesses or internet based online businesses. After all, most consumers nowadays routinely use credit cards or debit cards for payment purposes. It only makes good business sense to be well-equipped for the needs of credit card users and debit card users as well as for the needs of customers who pay in cash.

Merchant services provide credit card services covering a wide range of solutions for the processing of credit cards and debit cards as payment options. These credit card services include traditional terminal equipment at point of sale, where credit cards or debit cards are swiped. It also includes software and high speed IP solutions for both traditional commerce and e-commerce. Credit card and debit card payments can, therefore, be accepted in person or through the internet, by phone or by fax.     

Small Business Loans

Any business – whether a small start-up business, a medium-scaled one or a big business company – will be needing an infusion of additional capital sooner or later. Additional capital is always needed for expansion, additional inventory, additional manpower, new systems, new equipment or a new physical layout.

Capital is not always easy to come by, though. The original investors’ personal coffers may have been emptied by the earlier outlays. Prospective investors may not be keen on shelling out funds in times of crisis. Businesses, therefore, have no choice but to seek business loans.

Getting business loans is a difficult process. Even small business loans are not readily approved. Be prepared to present a lot of documentation and paperwork. For small business loans, the proprietor’s personal credit history is taken into account and related references need to be submitted. Of course, the company’s financial statements are just as important in proving the feasibility of the business and its capacity to repay its business loans. Having a detailed business plan will show your business strategies and projections, demonstrating your business acumen.

Unfortunately, even with all the requirements completed, applications for business loans – including small business loans – are, more often than not, disapproved.

Solutions

Some merchant services provide a comprehensive solution for the needs of small businesses in relation to credit card services and small business loans. The set up is elegantly simple. A small business need only avail of the company’s credit card services to be eligible for merchant cash advances. These cash advances are actually small business loans, except that there is no need to go through the complicated application process for business loans. Repayment is made very easy and worry-free, too. A certain small percentage is built into the credit card processing rates to take care of the advances. This way, repayment is actually done automatically in a very affordable manner and according to income flow.

Small business owners would, indeed, be wise to look into these timely business solutions.

Since June 15, 2009, the United States Small Business Administration has been processing deferred payment small business loans of as much as ,000 to be given out to 10,000 small businesses. This is covered by the SBA’s America’s Recovery Capital (ARC) Loan Program.

To qualify, companies should be private enterprises that are for-profit. They should have up to five hundred employees only and should be at least two years old. Furthermore, they should be able to prove financial need with a twenty percent decrease in sales, revenue or working capital. On the other hand, they should be able to prove that one of their two years in business has been profitable, and that with the infusion of cash they will be able to meet their existing and future debt obligations. This means positive cash flow projections. The ARC small business loans are intended to be used to pay outstanding debt such as payables to vendors.

For this batch of small business loans, there are no fees or costs involved, except if the borrower defaults on the loan later. In that case the SBA-approved lender can charge costs for securing and liquidating collateral.

The ARC small business loans also do not charge interest. Actually, the SBA pays the interest for the borrowers. Disbursement of the loan can take as much as six months but payment of the principal is also deferred for the next 12 months. After that, the borrower has five years to repay the loan principal.

Each small business can only avail of one ARC loan. SBA-approved lenders will offer the loans until September 30, 2010 or until available funds run out, whichever comes first.

There are, however, an estimated 30 million small businesses in the United States and only 10,000 of them can avail of the government’s small business loans. What if you do not happen to be among the 10,000 lucky recipients? How will your small business survive?

There are even doubts being raised on whether as much as 10,000 businesses can indeed avail of the ARC loans. There are fears that there may not be enough lenders willing or able to participate in the program. Lenders will have to advance the full amount of the loan, will not receive payment on principal for a full year, and will not be able to charge any fees, thereby absorbing all administrative costs. This may be too steep for many lenders. They may not be able to afford to participate at all.

This is where you as a small business owner can and should maximize your credit card services. We are not talking about your personal credit card services here. Instead, we are referring to the merchant services that enable your small business to receive credit card  and debit card payments. Surely, any business these days avails of these types of credit card services. After all, more people pay by credit card or debit card rather than cash.

Most credit card services offer small business cash advances that can be as substantial as small business loans. These small business loans do not require any collateral because they are secured by your company’s future credit card receivables. This is even more convenient for your business because repayment is also built into those receivables. Credit card services automatically deduct a percentage from your income to go toward loan repayment. For as long as you have incoming sales, you can support your loan. Interest rates are often quite affordable considering how the loan can help your business.

Small businesses should therefore look into maximizing these credit card services for small business loans. The survival of your business could hinge on this.

Setting up a home-based business may be a more cost-effective alternative to setting up a major company, but it may still drain the limited resources of a small business owner. To keep the business going, small business loans will definitely be necessary. These can be availed of through credit card services. This article will show you how.

First, you need to set up your home based business. Do your research on the type of business you want to establish. Find out what licensing and zoning requirements you need to meet and ensure that you meet them all. Do not attempt to cut corners here.

Get the services of an accountant, even if only on a consultancy basis, to help you set up your books and records correctly from the start. Ask for help in determining deductions so that you can plan on your business expenses. Establish a routine for keeping strict records of all income and expenses right from day one. Keep all business related receipts, invoices, client records, bank statements, bank deposit slips and canceled checks.

Being home-based, you need to set aside a particular place in your home just for your business. Make sure it can accommodate all the necessary equipment. Check that you have the appropriate electrical outlets and have them installed if needed to avoid overloading your system. Set up rules to keep the area insulated from household noise and disturbances.

Have a business phone installed that is separate from your residential line. Avoid having your children answer the business line. Install an answering machine to take calls when you are out or occupied.

Get a post office box so that you can use that address in your official stationery and other documents, keeping your business profile professional. Hold client meetings in rented conference rooms or set business meetings in good restaurants.

One of the most important steps in setting up your home-based business is to acquire credit card services that will enable you to accept credit card payments and debit card payments. These credit card services provide all the necessary software and hardware for you to be able to process payments in person, online or by phone. This step alone already expands the customer base that you can access.

Credit card services will also serve you well once your home-based business begins to feel the need for additional capital. When you need to get small business loans, you will not have to approach banks which are most likely not sympathetic to small home-based businesses.

The need for small business loans usually comes when the home-based business is already at least a year old. At such time, your home-based business would have created an average monthly credit card sales record with your credit card services company. You can refer to that when you approach your credit card services company for small business loans, sometimes called cash advances.

Credit card services do offer small business loans to their clients based on average monthly credit card sales, without the need for any collateral. The aforementioned average monthly credit card sales guarantee your company’s capability to pay the small business loans. Payments will be automatically deducted as a percentage of future credit card sales. This arrangement frees you from worrying about the amortization for your small business loans, too.

As soon as you pay up your small business loans completely, you are automatically eligible for new small business loans for as long as your home-based business is getting a good monthly average in credit card sales. With the help of credit card services, you can continue to expand and grow your home-based business.

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They offer guidance and give valuable suggestions to businesses; like how they should deal and take advantage of the changing and existing business environment. These firms help businesses in dealing with magnanimous burden of legal complexities that companies come across on day to basis. The Government, also realizes the importance and expertise of these firms, therefore has set up statuary institutions to churn out qualified chartered accountants, cost and work accountants, company secretaries and has made it mandatory for companies of certain categories to get there financial reports audited by them.

The idea for creating Chartered-accountants.in portal arose from the fact, that today service providers’ expertise varies in all kind of legal, investment and management knowledge. Therefore, Chartered-accountants.in is an initiative to bring together these service providers who have expertise in their respective domains. This portal will make it easier for businesses to find the service providers with expertise in domains they are interested in. The portal gives excellent platform to businesses to search and contact service providers across the regions. Our portal has taken all due care to properly categorize these service providers. The categories that we have carefully selected for businesses to choose from are:

Chartered Accountants And Consultants

Patent and Trade Markers

Investment Consulting

Market Research Consultants and Agencies

Management Consulting

Insurance

Tax Planners, Practitioners and Consultants

Lawyers, Advocates and Other Legal Services

Consultants and Negotiators

Company Registration

Consultants ISO 9000 14000 Tqm

Import Export License

These Categories depict rich diversity in type of service providers existing in the market at the moment. The trend of diversification is expected to continue in future and we will continue to research and add appropriate categories/service providers for the convenience of your businesses.

Anaya Consulting Group of AZ Partners with Milwaukees Castillo Consulting Services to form Aeutus Marketing

Aeutus Marketing puts emphasis on targeting small businesses and Spanish speaking business owners

PHOENIX, AZ, September 21, 2010 – Former bank employees and now business partners, Christopher M. Castillo and Alexander B. Anaya, have recently teamed up to form Aeutus Marketing headquartered in Phoenix Arizona. The pair met four years ago when they both worked for M&I Bank. Christopher Castillo is from Milwaukee, WI and worked for M&Is; Corporate Marketing Division and met Alex Anaya while visiting Phoenix to conduct Marketing Training for M&Is; Business and Commercial Bankers. Castillo was impressed with the Phoenix area and eventually left M&I in early 2009 to focus on his business, Castillo Consulting Services, that has been assisting small business owners with Marketing and Public Relations support for over five years.

Castillo moved to Arizona in early 2010 and brings over 17 years experience in Marketing, Internet Services, Public Relations and Communications. He is now the CEO of Aeutus Marketing and holds his BBA, MBA and has received various awards for helping the community and volunteering his services to assist aspiring entrepreneurs.

Alex Anaya, Aeutus Marketing COO, also recently left a banking career at M&I Bank after working there over six years. Anaya states “One of the numerous benefits of working for M&I bank of Arizona was that I was able to meet many business owners, however I soon learned that the services that I provided wasnt enough to help them become more profitable. Many of them knew about their particular industry, however most of them did not know how to properly market themselves and target a certain niche.” Anaya continued “I would also get many Hispanic business owners approaching me because many of them only spoke Spanish and did not have a clear understanding on how to start a business in the U.S.” Working for a very conservative bank, he was limited to the knowledge that he could share and started getting requests from some of these clients to assist them with such things as helping them with the basics to get a business started and for Marketing and Advertising assistance. In 2009, he created Anaya Consulting Group to assist people with starting business entities as well as with Marketing and Social Media support.

Christopher Castillo and Alex Anaya both understand the importance of reaching out to the public in order to increase market share, as that is always the goal for all financial institutions. Aeutus Marketing will focus on assisting small and medium size business and currently has a small staff. One of the primary focuses of Aeutus Marketing is being an advocate to assisting Latino owned businesses.

Anaya comes from a family of entrepreneurs who have migrated to the U.S. to live the American dream of running their own enterprises. Christopher Castillo also has a background in assisting Hispanic owned businesses. Castillo previously worked as a Technical Assistant at the Univeristy of Wisconsin-Milwaukee (UWM) for nearly four years in a bilingual entrepreneurial course geared toward helping people create business plans regardless of their English proficiency. He is also a founding board member of Milwaukees Latino Entrepreneurial Network (LEN) that started in 2005 with nine members and now has over 200. He helped LEN become nationally recognized, and awarded, by the U.S. Hispanic Chamber of Commerce for the past two years.

Castillo has a long history of helping business owners with business plan creation and with his passion, Marketing. In 2006, he was the United States Congress Certificate of Special Congressional Recognition recipient, in recognition of outstanding and invaluable services to the community. He was also the 2009 Multicultural Entrepreneurial Institute (MEI) Volunteer of the Year Award recipient as well as the Wisconsin 2008 Small Business Administration (SBA) Minority Business Champion, Nominee and Runner-up. In 2006 he recieved the Community Service Award for the dedication, commitment and service to entrepreneurs and business owners of the Greater Milwaukee Area, presented by El Centro Empresarial and UWM. In addition, Christopher is an active board member at his alamater, University Of Wisconsin-Whitewater (UWW), for their Business School’s Minority Business Program. Castillo also has a passion for helping youth with their business aspirations as well. For the past four years, he has volunteer at the Bilingual Entrepreneurship Summer Training (BEST) Youth Camp sponsored by The Latino Entrepreneurial Network, Milwaukee, WI.

One of the areas that Alex Anaya is very passionate about is to stimulate the growth of minority owned businesses, as many truly do not understand the benefits of marketing their products or services appropriately. As a Business Management graduate from the University of Phoenix, he is prepared to take his knowledge and experience to the next level of becoming active with in the community and assisting minority owned enterprises in reaching their aspirations.

About Castillo Consulting Services, LLC
Castillo Consulting Services, LLC was started by Christopher M. Castillo in 2007 to assist small business with services such as Marketing and Business Plan Creation, Internet Marketing, Public Relations and Intellectual Property and is located in Milwaukee, WI and Phoenix, AZ. Christopher M. Castillo has over 17 years experience in Marketing, Internet Services, Public Relations and Communications. He holds his MBA and BBA and has received various awards for helping the community and volunteering his services to assist aspiring entrepreneurs. In 2009, he decided to take his company’s offering online by filming various videos to share his knowledge with friends, family and you. Please visit Christopher’s sites:
HomeMarketingGuru.com, CastilloConsultingServices.com and ChristopherMCastillo.com

About Anaya Consulting Group
Anaya Consulting Group was originally established by Alexander B Anaya in 2009 to support local Phoenix minority owned businesses with legal entities registrations, English and Spanish translations, financial assistance, Marketing and internet establishment. Anaya has over 13 years of experience in retail sales, Spanish Marketing and posseses a strong financial acumen. He holds a BS in Business Management and is currently pursuing a dual MBA in Green Energy Management and Marketing. Alexander is very involved in the community. For the past three years, he has coached youth sports at the Phoenix Boys & Girls Club. Additionally, hes an outdoorsman who is part of the public land coalition that maintains public use of lands for others.

About Aeutus Marketing
Aeutus Marketing, LLC was started by Christopher M. Castillo and Alexander B. Anaya in 2010 focusing on providing small businesses in the Phoenix Metro area with Marketing, Advertising and Public Relations support in both English and Spanish. Aeutus Marketing CEO, Christopher M. Castillo comes to Arizona from Milwaukee, WI and has over 17 years experience in Marketing, Internet Services, Public Relations and Communications. Alexander B. Anaya, Aeutus Marketing COO, has over 13 years of experience in retail sales, Spanish Marketing and posses a strong financial acumen. Aeutus Marketing specializes in strategic planning, design and implementation of Marketing campaigns with an emphasis on internet and new media.  For more information, please visit AeutusMarketing.com

Natural website optimization service is the most cost-effective form of online marketing. The small business SEO service, an integral part of your marketing campaign, meets the needs of start-up businesses as well as fully established small businesses in the United States.

Any small size business can be substantially improved through small business SEO services. Search engine marketing and placement services promote and grow your business community depending on the site’s competition, target market and present popularity.

The small business SEO service providers turn more visitors into paying customers by increasing your search engine rankings on leading search engines such as Ask.com, AT&T Worldnet, Comcast, BizRate, Alta Vista, Microsoft Live and more. To move a website higher up in the search engines, small business search engine placement service providers use world-class Internet marketing techniques and ethically proven SEO strategies. A successful search engine optimization strategy involves several key elements. Understand your small business goals, the search engine marketing and placement service providers,

• Do effective keyword research to select proper keywords

• Do competitor analysis (server and website) to shortlist targeted keyword, where various parameters are taken into account including keyword proximity and density checks, frequency, number of indexed pages, back links and pages cached on search engines

• Do website analysis to analyze your competitors’ website by checking parameters including layout and site architecture, web crawl errors, number of inbound links, keyword density and frequency and number of pages indexed

• Develop unique website content with targeted keywords in mind

• Optimize on-page search engine factors – title tag, content, headings, anchor tag, meta tag and image

• Optimize technical factors including Javascript and CSS usage, site layout, navigation structure, webpage size and other relevant factors

Off-page optimization is the last step involved in the website optimization process. It includes link popularity building, directory submission, article submission to directories, manual submission to major search engines and social book marking.

Many search engine optimization tools are available in the industry to analyze Meta tag, calculate page rank, check link validation, check similar/duplicate page, analyze back link anchor text, build back link, check keyword density, and check reciprocal link.

Search engine marketing and placement services make your small business website search engine friendly. Thereby, your small business achieves the following benefits:

• Increased sales

• Enhanced brand awareness

• Amazing return rate on investment

Millions of Internet users in the United States are taking full advantage of small business search engine optimization services to achieve top visibility on the search engines.

If your business still does not have a merchant account that allows you to offer full credit card services, you are turning your back on profits. Just take a look at all of your competitors. All of those that pose serious competition accept credit card payments. Those that do not have credit card services do not have great sales figures to show, either. Even statistics point to the fact that companies that have credit card services earn much more than companies that do not have credit card services. The average credit card sale is $40 while the average cash sale is only $9. That means you are losing potentially $31 per sale.

You may also be spending more by accepting only cash and check payments in your business. The processing of cash and checks has been found to be more costly, requiring more manpower in handling. Studies have shown that the average processing cost of credit card payments is only 2.7% of a transaction while the average processing cost of checks is 4% of a transaction and the average processing cost of cash is 4.8% of a transaction. Once again, you are leaking profits by refusing to accept credit card payments.

So how do you accept credit card payments in your business? This is where credit card services come in. The old route is to apply for a merchant account in a bank. You will then have to lease the software and equipment necessary to actually process payments and send the data to your account. If you want to accept credit card payments online, you need to apply to a payment gateway that allows real time credit card authorization for online transactions. You should ensure that your payment gateway is compatible with the bank or financial institution where you have your merchant account, and with the software and equipment you have leased.

In choosing the bank or financial institution for your merchant account, consider their expertise in combating fraud and reducing chargebacks. Also make sure that they are experienced in handling merchant accounts with online transactions.

If you are a small business owner, stick to a bank or financial institution that caters to small businesses rather than large companies. You may be able to get better rates and packages designed for your specific niche.

There are options for credit card services that offer everything you need in one easy package. You will not have to deal with various entities or go through various procedures. Often, these options also have added benefits, among them, quick reporting on your credit card sales figures. They may also offer interest on your credit card sales income, even up to money market rates.

One very important feature of your credit card services that you may not know of is that it can automatically qualify you to avail of small business loans. Once you have established a record of sales through credit, most credit card services will allow you to make cash advances that are practically like getting previously approved small business loans without having to put up any required collateral. The credit card services consider your future income through credit card sales as your collateral. This can go a long way in further growing your business.

Payment will not be a problem, either. For as long as you have sales through credit payments, you automatically get to pay your small business loans. It does not matter how much your sales are. Your payments are automatically deducted as a percentage of your sales. You are always covered.

Now do you still need further convincing on the benefits of credit card services for your business?

Since June 15, 2009, the United States Small Business Administration has been processing deferred payment small business loans of as much as $35,000 to be given out to 10,000 small businesses. This is covered by the SBA’s America’s Recovery Capital (ARC) Loan Program.To qualify, companies should be private enterprises that are for-profit. They should have up to five hundred employees only and should be at least two years old. Furthermore, they should be able to prove financial need with a twenty percent decrease in sales, revenue or working capital. On the other hand, they should be able to prove that one of their two years in business has been profitable, and that with the infusion of cash they will be able to meet their existing and future debt obligations. This means positive cash flow projections. The ARC small business loans are intended to be used to pay outstanding debt such as payables to vendors. For this batch of small business loans, there are no fees or costs involved, except if the borrower defaults on the loan later. In that case the SBA-approved lender can charge costs for securing and liquidating collateral. The ARC small business loans also do not charge interest. Actually, the SBA pays the interest for the borrowers. Disbursement of the loan can take as much as six months but payment of the principal is also deferred for the next 12 months. After that, the borrower has five years to repay the loan principal.Each small business can only avail of one ARC loan. SBA-approved lenders will offer the loans until September 30, 2010 or until available funds run out, whichever comes first.There are, however, an estimated 30 million small businesses in the United States and only 10,000 of them can avail of the government’s small business loans. What if you do not happen to be among the 10,000 lucky recipients? How will your small business survive? There are even doubts being raised on whether as much as 10,000 businesses can indeed avail of the ARC loans. There are fears that there may not be enough lenders willing or able to participate in the program. Lenders will have to advance the full amount of the loan, will not receive payment on principal for a full year, and will not be able to charge any fees, thereby absorbing all administrative costs. This may be too steep for many lenders. They may not be able to afford to participate at all.This is where you as a small business owner can and should maximize your credit card services. We are not talking about your personal credit card services here. Instead, we are referring to the merchant services that enable your small business to receive credit card  and debit card payments. Surely, any business these days avails of these types of credit card services. After all, more people pay by credit card or debit card rather than cash.Most credit card services offer small business cash advances that can be as substantial as small business loans. These small business loans do not require any collateral because they are secured by your company’s future credit card receivables. This is even more convenient for your business because repayment is also built into those receivables. Credit card services automatically deduct a percentage from your income to go toward loan repayment. For as long as you have incoming sales, you can support your loan. Interest rates are often quite affordable considering how the loan can help your business.Small businesses should therefore look into maximizing these credit card services for small business loans. The survival of your business could hinge on this.

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