Lenders To Avoid – Business Loan And Commercial Mortgage

I have published many articles which are designed to assist commercial borrowers in avoiding commercial loan problems. One of the most serious commercial mortgage business loan situations is a commercial lender that causes problems for their commercial borrowers on a recurring basis. It is particularly this type of commercial lender which prudent commercial borrowers should be prepared to avoid unless viable alternative business financing options do not realistically exist.

As a direct result of my commercial loan experiences advising business owners for over 25 years and regular conversations with other business financing professionals, I do in fact believe that there are a number of commercial lenders that should be avoided. This conclusion is based on a recurring pattern of lending abuses by some business lenders.

This article will not name specific lenders to avoid, but specific examples will be provided to show why informed commercial borrowers should be ready to avoid a variety of business lenders in their search for viable commercial loan solutions. This business financing strategy article will illustrate the significant benefits of avoiding “problem lenders”.

Meaningless Pre-approvals for a Commercial Mortgage Business Loan

An early commercial mortgage pre-approval is often sought by commercial borrowers. The expected advantage to this initial commercial loan approval is that the business borrower can make other business arrangements which are based on the business financing being completed.

An ethical commercial lender will treat any form of business financing approval very seriously. Commercial borrowers should expect that a meaningful version of such an approval will not be realistically possible in just two or three days.

However, there are lenders who prepare a misleading and questionable version of a pre-approval shortly after receiving minimal application data. Because this approach often produces surprises for the borrower as the commercial mortgage process moves forward, borrowers should be wary of any lenders that do this.

Why do some commercial lenders provide such meaningless pre-approvals for a commercial mortgage? There are two likely reasons. (1) To motivate the commercial borrower to stop considering other potential commercial lenders. (2) To provide a business loan pre-approval that is similar to a structure prevalent with residential loans.

Because many commercial loan situations are facilitated by residential mortgage brokers who are typically unfamiliar with normal business financing requirements, this reason will be especially relevant with business lenders that primarily work with residential mortgage brokerage firms. Such a lender should be avoided for most commercial mortgage circumstances.

Commercial Mortgage Loan – Yes or No?

I have published an article which discusses the tendency of many banks to say “yes” when they mean “no”. Such banks will typically attach onerous business financing conditions to commercial loans instead of simply declining the loan. Business owners should explore other commercial mortgage alternatives before accepting commercial financing terms that put them at a competitive disadvantage.

Think Outside the Bank for a Commercial Mortgage

In some non-competitive business markets, it is unfortunately common for a lender to employ business loan terms that would typically not be seen in a more competitive commercial loan environment. Such business lenders can repeatedly take advantage of a non-competitive commercial lending imbalance.

An appropriate response by commercial borrowers is to seek out non-bank commercial loan options. It is neither necessary nor wise for commercial borrowers to depend only upon local traditional banks for commercial mortgage solutions. For most business loan situations, a non-local and non-bank commercial lender is likely to provide improved business financing terms because they are accustomed to competing aggressively with other commercial lenders.

Commercial Property Commercial Loan Appraisals

For commercial mortgage loans, commercial appraisals are an unavoidable part of the commercial loan underwriting process. The commercial appraisal process is lengthy and expensive, so avoiding commercial lenders which have displayed a pattern of problems and abuses in this area will benefit the commercial borrower by saving them both time and money.

Copyright 1995-2007 AEX Commercial Financing Group and Stephen Bush. All Rights Reserved.

Ensure A Smart Purchase Of Business Insurance In Edison Nj

Buying insurance for your business, home, or auto is something you should never ignore. The simple reason being the importance of protecting your assets. After all, you never know when the tragedy might strike and the damage might at times get hard to recover. Having a comprehensive coverage ensures that your assets are protected well with minimum hassle. When it comes to purchasing insurance, the key always lies in finding a coverage that caters to all your requirement within an affordable price. To ensure making a smart purchase, you should shop around and compare the policies offered by different firms.

Whether you are buying a homeowners insurance and business insurance in Edison NJ, you can never undermine the importance of comparing between the quotes and finding a policy of worth. This is why you should seek the help of an independent insurance agency before taking the big call. Scheduling a consultation with a professional ensures that you get to choose a policy that caters to individual requirement. Business insurance can vary with the nature and type of the same. So, it is important to analyze the requirement and ensure a purchase in the same line.

The Importance of Buying a Business Insurance

If you are business owner, you should always work towards finding the best coverage catering to your needs. Simply because, even a single lawsuit can lead your business to bankruptcy by clearing all your profits paving the road to great business loss. Ensure complete protection for your business with a comprehensive business insurance in Edison, NJ and that too at affordable rates. Whatever be your needs finding coverage is easy with the help of a professional. Here’s a look at what is on offer –

Business Liability Insurance
Business Property Insurance
Business Auto Fleet Insurance
Group Employee Life Insurance
Workers Compensation Insurance
Group Employee Dental Insurance
Group Employee Health Insurance Plans
Group Employee Short and Long Term Disability Insurance

You can easily compare between the policies and purchase business insurance in Edison, NJ according to your needs with the help of a professional.

Buying Home Insurance How a Professional Helps

Similar to business insurance, you should also focus on buying a homeowners insurance in New Jersey for ensuring complete protection to the biggest asset in your life. Shopping for home insurance can get difficult especially with the availability of a number of coverage. Seeking help from a professional ensures that you get to compare, comprehend, and choose from multiple carriers with minimum effort.

Usually, a typical homeowner’s coverage includes the following aspects –

Liability
Home structure
Replacement costs
Personal possessions
Living expense following a disaster

To an usual home insurance in New Jersey, you can also add other supplemental policies like –

Flood coverage
Earthquake coverage
Umbrella insurance policies i.e. additional liability
Before buying a coverage, you should understand that your needs are different and what had worked for your relative might not bring the same kind of results for you. This is why, you should always shop around for the best homeowners insurance in New Jersey and make a confident purchase with the help of a professional.

The Most Recommended Business Consultants In Dubai Centurion Consulting

Specialists can bring aptitude and encounter that your business does not have generally. They can help oversee long haul systems, finish an extend that obliges very particular aptitudes or help you accomplish work proficiently. Whether you need to benefit administrations of master administration Consultants in Dubai or you essentially need to outsource all your business bookkeeping, a decently rumored firm can help you open the capability of element business development and will help and necessities in a modified manner. There are few rumored business consultancy firms in Dubai which offer an extensive variety of administrations including organization joining, bookkeeping outsourcing, business capacity outsourcing and Feasibility studies and Management Consultancy benefits according to clients particular business needs. The firm will help you set up another business effectively in UAE and you can undoubtedly get the quite required financing counseling administrations from the heading special.

However before selecting the suitable consultancy firm in Dubai, you must check the certifications of the organization and its demonstrated track record of achievement. You can either address its past customers or simply contact the masters to check their suitability and legitimacy. The chose consultancy firm must have the capacity to give you tweaked business administrations which will help you in overseeing Business in Dubai. A master business consultant can direct you to perceive all the pitfalls in the method for achievement or building a fortunate business brand. Whether you need to set up another business in Dubai or are searching for an one stop business consultancy administrations which will help you adequately band together with different organizations to run a joint wander, a presumed consultancy firm can end up being imperative a piece of business needs and prerequisites of an organization.

Benefitting administrations from a rumored consultancy firm in Dubai will help you spare a lot of time and cash which will help you setting up organization in Dubai. You can utilize the spared time and cash in finishing works of other most astounding necessity while the specialists of the counseling firm will handle the essential bookkeeping capacity, or buy division, deals office, receivables, payables, keeping money and account capacities and administration according to your needs and prerequisites. Frequently the specific administrations of master administration specialists and bookkeepers of a firm can turn out to be extremely valuable and can prepare for attractive business achievement and advancement. You can doubtlessly pick up a ton from the aggregate and years of encounters of master specialists and this will help you make proactive moves to escape from the pitfalls of achievement.

Centurion counseling is one such firm which holds an unique position in the business. The consultancy firm with a group of master business and administration advisors give redid business administrations to its customers according to their particular needs and necessities. For more data and administrations don’t hesitate to visit the website online at www.centurion-consulting.com.

Why Thick Business Are Cards The Best For Any Business Owner

Every visionary business owner is willing to do anything to take your business to the next level. A Thick Business Card is the best way of promoting your business amongst all you clients. The 17pt business cards are unique, professional and very powerful advertising tool that is very convenient for all business strategies. These cards contain information such as contact information, business social media accounts, area of expertise, company logo, photo, and your branding statement. It is designed to provide detailed information to your expected clients. With all the kind of digital developments in the world today, nothing is easier for sharing contact information than a business card.

The silk Business Cards are highly durable and last up to six times longer as compared to regular cards. The 17pt thickness is an exclusive feature that makes you business card to impress all your clients. It is a feature that makes these business cards to belong to a distinct class.

Who Should Have A Thick Business Card?

The Thick Business Cards are usually designed and laminated with silk finish. This makes them to remain strong and durable for a longer period as compared to ordinary business cards. These silk business cards are typically ordered by businesses such as spas, fancy hotels, real estates firms, graphic designers, boutiques, and concierge services. You can also order for these cards if your business deserves 100% flawless environment, which is unique in the world of printing. Ordering for these cards is never a disadvantage since it comes with the following benefits:-
Silk lamination that makes the cards look elegant
Durability of the cards
17pt thickness which is a unique feature
It has an optional foil stamping feature that allows you to place your own desire foil type such as silver foil, gold foil or colored foil
You also add a UV gloss layer to the card which makes a pretty separation between the finishes, silk and gloss
During printing, you do not have to budget for a first impression since it is priceless.
These benefits are more important to your business since you will make the perfect impression that you so desire.

What Is The Satisfaction Guarantee Of Printing Thick Business Cards?

Do you want 100% satisfaction from your business cards? Do you want a business card you are not sure of service satisfaction? Do not worry. The Thick Business Cards are designed to suit your business needs. All the desired information that you want them to appear in your business card is carefully organized to ensure that no important information is omitted. To ensure that you get 100% satisfaction, a reprint is send to you so that you confirm the details in addition to the design. This way, only want you have approved is what will be printed for you. It is this easy. Just go ahead and submit you order today.

Silk Business Cards And The Material They Use

Silk Business Cards are normally coated using silk material. If you need these type of card coated with silk, they could cost much higher but the material used to coat them is just thin plastic film. This material is usually brushed so that it may create that smooth and luxurious feel and look. When the material is laminated its made in such a way that the thin film is completely bonded to that card stock such that the final product is usually water proof and also tears proof. Silk lamination as well comes with several other advantages; these may include some advantages like:

One of the most advantages is durability, and this makes your business cards very durable and last for a much longer time as compared to other type of business cards. The durability coating also gives them that expensive finish. Most of the silk laminated business cards also had a good thickness of 16pt and is usually printed full color using quality inks. The entire process of doing the cards usually encases the cards giving them that expensive look. The cards also make a very popular base and this is by adding other premium types of business cards features.

How to print any of your business brochures

Printing Brochures is not far much from printing business cards. This is because; most of the information which is put on business cards is the same which is put on a brochure. The only thing which should change is design and this is because brochures do not contain some little e information contained on business cards. There are many advantages which come with printing of brochures and this is because they can be a very reliable promotional item to your business. The many advantages with brochures usually include:

The layout option; the layout option in a brochure is usually up to you to decide. This is where you can choose from the many options available and make sure the one you choose is for the advantage of your company.

The folding options: The folding option for any brochure you have to depend most on the interest of your company. There are popular folding options like double fold, single sheet which do allow you to include four panels and display your information clearly on both sides.

For any brochure printing they do enjoy the advantage of bulk printing also, and this means that if you print more brochures, the; less they will cost you.

They do promote your message also even when you are not there. This is because they have all the information concerning your business and thus they promote any all over the world where they are used. Low cost type of brochures also will ensure that they continue even to prosper in rational times. This is because buying advertising space is comparatively very expensive and does not always offer returns. So if you are doing any brochure for your business, make sure that they are done in the right way.

Whatever Happened To Business Ethics

Live one day at a time emphasizing ethics rather than rules.”
Wayne Dwyer

Whatever Happened to Business Ethics?

Ethics: The discipline dealing with what is good and bad and with moral duty and obligation; a set of moral principles; a theory or system of moral values; the principles of conduct governing an individual or a group; a guiding philosophy; a consciousness of moral importance.

Corruption: Impairment of integrity, virtue, or moral principle; depravity, decay, decomposition; inducement to wrong by improper or unlawful means (as bribery); a departure from the original or from what is pure or correct.

Whatever Happened to Business Ethics?

After the Enron and WorldCom incidents, there seemed to be some progress in the business culture toward operating with some type of ethical guidelines but, after recent experiences, I wonder if we have made any progress.

What I find disturbing is that many individuals and organizations think it is completely okay to be unethical, if it gets them what they want. Even though I am a huge supporter of free markets and capitalism, there can be a dark side if the operation is void of ethics.

I agree with info-commercial guru Kevin Trudeau that the mandate of all publicly traded companies is to make money for the shareholders — end of story. The result is a conspiracy theorist’s dream come true where, at all costs, a profit must be made. Ethics are not part of the picture.

Here are examples that most of us have heard.

-HMOs withholding acceptance because their numbers are off this quarter
-Insurance companies intent on delaying or refusing payment so executives can get performance bonuses
-Information about the harmful effects of drugs withheld from the authorities
-Misleading advertising to induce sales
-Protection of reputations with cover-ups
-Used car dealers turning back the odometer
-Building contractors taking deposits and not completing their work

And on it goes!

What is most disconcerting is the group of individuals who actually don’t see anything wrong with that type of conduct. In fact, in some university ethics classes, students did not see anything wrong with lying to get what they wanted.

But the point here is that it is not okay to compromise your ethics to get ahead.

Here’s a quote that outlines my general sentiments.

“The truth is that good ethics sometimes is good business, but sometimes it’s not. It depends on one’s goals and how one defines good business. Sometimes, good ethics can end in bankruptcy. Of course, so can bad ethics.

A fairer statement is that good ethics can be a very powerful business asset and that good things tend to happen to companies and individuals that consistently do the right thing and bad things tend to happen to those that even occasionally do the wrong thing.

But the crucial point is that the moral obligation to live according to ethical principles is not dependent on whether it’s advantageous. People of character do the right thing in the pursuit of virtue, not self-interest.”
Michael Josephson
Author and Business Professor

So the question is:

Are you a person or business of character that is committed to doing the right thing?

I recall, from my automotive-consulting days, that a sales manager asked the sales rep to lie about previous history and damage to a used car they were selling. The sales rep did it to keep his job but he had sold his soul.

The reality is there are no excuses for unethical conduct.

Thankfully now some individuals are being held accountable for their actions. In addition, individuals who did not take part in the unethical conduct but had knowledge of such events or actions are also being held accountable for their sin of omission.

You are not immune from prosecution if you have knowledge of unethical conduct.

I agree with Michael Josephson. In the long term, ethical conduct is a very powerful and positive asset to you and your organization.

I know that most of us at some time or another have either pushed the ethical limits or at least thought about it.

The key is: Don’t cross the line.

Be courageous and do the right thing.

Lives have been destroyed because of unethical and corrupt conduct. It is time we all took a stand.

Yes, each of us can make a difference and reap rewards from our good conduct.

Not that long ago, I was asked to be part of a mastermind group. Two of our primary objectives were:
-to set a good example; and
-to expect ethical conduct in the personal and professional development industry.

That’s an example of how we can each do our part to make a difference.

Lawmakers now understand there has been little consequence or accountability for unethical behavior in business but recent jail terms for guilty executives provide new hope.

I have found that individuals who are clear and strong in their identity, values, purpose, and passion are far less likely to succumb to the peer pressure of unethical or corrupt conduct.

Online Mba In Entrepreneurial Development And Family Business

Online MBA programs help to leverage the competitive market scenario, where the demand for managerial skills is high and the supply of skilled and experienced workforce is less. In addition, Distance learning courses for professional degrees such as MBA help working professionals maintain job-continuity through their academic endeavor. The job-continuity or business-connect is of paramount of significance for emerging and established entrepreneurs as well. And, keeping in mind the specific requirements of entrepreneurs is SMU-DE MBA in Entrepreneurial development and family business.

How entrepreneurs can benefit from the Online MBA specialization?
Entrepreneurs who have carried forward a legacy business or started
afresh derive multiple benefits while pursuing Online MBA courses in entrepreneurial development and family business.

Entrepreneurship can make way for a great enterprise, when streamlined with managerial skills. Management in principle is about making optimum usage of every resource involved with business production. This apart, parameters such as the potential risks associated with a business, the interpersonal skills, risk tolerance, leadership qualities and creative thinking, which are key entrepreneur skills, come under the purview of MBA Entrepreneurial development and family business.

Creative thinking helps to apply novel approach for the business or the market situation;
Risk tolerance will drill out the enterprising capabilities of an individual, to look work out ones way through the risks and turn it into a positive potential;
Interpersonal or social skills play a vital role in team-building, working cohesively as one unit;
Leadership qualities will not just initiate but also create a symbiotic relationship with all the resources part of the enterprise.

The advantages of distance learning in MBA

The flexibility, convenience and accessibility
One of the key advantages of MBA Distance Learning that it helps to maintain continuity with the work-life, as there is no time and space constraint in this mode of education. The continuity maintained by entrepreneurs with regard to their business helps to build further from the existing foundation. Additionally, the interface with the business resources- people, consumer, market and trends, is kept live as distance learning doesnt demand full-time commitment in comparison with regular stream of education.

Industry-oriented curriculum, e-learning

Online MBA programs offered by universities of repute are industry-relevant, with greater emphasis on practical exposure.
To enhance the learning experience of students, distance learning has taken to the technology medium to deliver content, academic and non-academic training in managerial skills. The online learning programs squeeze in just right to fit into the busy business schedule of entrepreneurs.

With UGC and DEC-recognized SMU-DEs MBA in Entrepreneurial development and family business; entrepreneurs ride on the crest of creativity, lapping up the trends of the global market scenario. At the same time they discover new possibilities in business management, and take the right lead for their enterprise.

Enter In China And See Your China Business Prosper With Profits

Take a leap forward in China and head toward the market instead of its mighty walls what today’s offshore import and export China business enthusiasts do. Follow the footsteps of leaders to discover the enormous business opportunities lies in China’s import and export industry. Already small and mid sized import and export companies from various parts of the world are keen on venturing China business and global sourcing. Numerous legendary companies of US like United Technologies, GE, Motorola, DuPont etc., have established deep penetration in China market. As per an estimation taken in 1992, 3,100 small and medium scale import and export companies have landed in China and later the number rose to more than 20,000. From manufacturing to exporting and servicing, China business opportunities are burgeoning and attracting all size of import and export businesses from the rest of the world. Over the last decade, number of US import and export companies taken up China business has raised at an astronomical rate more than five times faster than other parts of the world.

-Scope of China Business Broad Market Range and Manufacturing Potential

Attractive China business opportunities are growing and the growth is spanning through diverse industries. The growth is already evident in a series of industries, like medical, construction, energy exporting China business, telecommunications, agribusiness, machine tools, security and recreational products and service market, infrastructure etc. These are just to name a few of the vast import and export market where overseas China business owners are venturing in.

-China Business Partnership of Us Companies

China and Hong Kong together has become the third largest export partner of USA Canada and Mexico have taken the first and second position. China continues encouraging US based import and export companies to venture and fortify greater business partnership. To generate further enthusiasm amongst more US business owners, Hu Jintao, the president of China, sent two hundred Chinese executives for a buying tour to US. US companies’ trade offices being located in China and fostered by China speak how US companies are deepening their penetration in China business and import and export industry.

-Haven for Import and Export Companies and Investors

Besides immense potential found in import and export China business, China has become the heaven for overseas investors. USA companies alone have invested over three billion dollars annually, making China the third largest investing area in the world. China is yielding sumptuous returns on investment, also profits at an expected ratio to the overseas investors. US companies are reaping myriad benefits by investing in manufacturing China business. The list of benefits includes competitive labour resources in China, incentives on investment and extensive local markets of China.

-Investment in Locally Manufactured and Imported Products in China

China now allows foreign firms to invest in China’s locally manufactured products as well as to support in products brought through global sourcing. Small and medium sized companies can secure huge benefits for trading different types of China business ventures in locally manufactured products, imported goods and import and export of both locally manufactured and goods accessed through global sourcing in China.

Controlling The Financial Performance Of Your Business

There are numerous factors which impact on the performance and viability of your business. It is therefore imperative that you monitor and control your financial performance. Debt control and budgeting are two elements of this, and of particular importance is your business cash flow.

Many profitable businesses have gone under due to a lack of attention to their cash flow; they have insufficient cash available to pay their bills. Thus, you must plan and control your cash flow in order to effectively manage your business.

Some strategies that may assist in this include:

* Increasing the speed of cash receipts by good debt control strategies

* Avoiding excessive stock holdings by managing stock levels and obtaining reliable, prompt suppliers

* Planning the purchase of equipment and other capital expenditure for periods when surplus funds exist

* Planning to have sufficient reserves to carry your business through the inevitable periods when unexpected expenses are incurred

* Avoiding excessive investment in plant, equipment and other fixed assets which may leave too little working capital available (particularly in periods of falling prices, declining sales or increasing interest rates)

* Avoiding over borrowing as this may place a strain on working capital, loans still have to be repaid even if revenue is decreasing

* Maintain adequate working capital to fund the growth as increasing sales also means increasing costs, your working capital requirements therefore, need to be continually reviewed

* Delaying outgoings by taking advantage of the credit terms offered by your suppliers and paying when it suits your cash flow

* Reducing outgoings by taking advantage of discounts when appropriate and working capital permits

* And most importantly, regularly comparing your actual cash flows to your budgeted cash flows, analysing the differences, and taking action based on this analysis

Subscribe to the UMACS Business Zone fortnightly newsletter which gives you great tools, tips and ideas on how to manage and grow your business. Subscribe now and receive a FREE e-book “Relationships that Show the Health of Your Business”. www.umacs-business-solutions.com/umacs-business-zone.html

Exports Business In India A Vital Statistics

The Indian export business has been growing steadily for the past several decades. Indian exporters have succeeded in taking the export business to an international level.

Factors Contributing To the Growth of Export Sector

Several factors have contributed to the growth of export business in India. The growth of Small and Medium enterprises is one of the most important factors that have led to an increase in the export of the country. Most of the indian exporters include the SME sectors which have grown tremendously during the past several years.

Some of the most important and profitable sectors in the export business include textiles, chemicals, telecommunication hardware, food grains, iron and steel, consumer durables and electronics. India is second largest exporter in the world next to China.

Another important factor that has led to the acceleration of exports is the online business to business web portals. The use of business directory by the Small and Medium enterprises has led to a global exposure of products and services.

Today Indian exporters can easily find markets for their products through online portals. The small enterprises found it difficult to reach the target audience but with the use of the b2b directories, these industries are able to showcase different products and services in the global markets, make better and faster transactions and have an in depth knowledge about market situations.

Indian exporters have a healthy competition with neighbouring countries which has further led to the growth of export sector in the country. The government has created new opportunities by introducing several policies to augment the export sector. By the year 1990, government introduced liberal policies to boost the export business in India. The introduction of various trade policies have led to a substantial flow of foreign currency.

Some of the Important Export Products

The Indian exporters maintain cordial trade relations with neighbouring countries. Majority of the commodities produced in the country are exported to foreign countries. Some of the most important and notable commodities include:

* Iron and steel: India is the leading exporter of iron and steel to different countries all over the world.

* Leather products: leather products like shoes, bags and belts are exported to different countries on large basis. It is one of the most profitable sectors of the Indian economy.

* Textiles: another sector that contributes to the GDP of the country is the textile industry.

* Chemicals and pharmaceuticals: India is the leading exporter of various chemicals and pharmaceuticals. The export of petroleum has also increased during the past several years.

* Readymade garments: Indian exporters are well known for their readymade products in the international markets. Indian dresses and fabrics have immense appreciation all over the world.

* Jewellery: Indian jewellery has craved a niche in the global markets with its unique blend of traditional and contemporary styles.

* Dairy products: a leading exporter of milk products and eggs, the current census show a considerable increase in the export of dairy products.

The growth of SMEs and the use of business directory have led to a notable growth of the export sector of the country in many ways. Today the country is a leading exporter of many commodities in the international market.