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How to Decrease your Businesses Carbon Footprint

As environmental concerns continue to grow and inform customer decisions, more and more businesses are looking for ways to lessen their environmental impact. Of course, reducing your carbon footprint isn’t just a good public relations move for your business or just good for the environment. It can actually help to help you save money over the long haul. So how can you go about diminishing your carbon footprint?

Heating and Cooling
Heating and cooling are two of the biggest offenders when it comes to a business’s carbon footprint. Both tend to rely, to some extent, on burning fossil fuels. Heating units often burn natural gas directly, while cooling units depend on fossil fuel driven electricity. Upgrading to a more efficient heating and cooling system reduces your fossil fuel consumption. You can also take additional steps, such as upgrading to more energy efficient windows to cut down on heat loss and gain. While expensive up-front, these steps typically pay for themselves within a few years as heating and cooling costs drop.

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Why You Should Consult With a Business Loan Expert

If you plan to do a job right, then it is imperative that you use the correct tools. This is especially true for business owners. One of the most important tools available to an owner of a business is credit. Cash flow is king, and practically every business will have a need sooner or later for an injection of cash in order to sustain or grow their operations. Making the right selection when it comes to the type of credit tool that you utilize is of the utmost importance. This article will discuss why you should consult with a business loan expert to ensure that you make a wise choice.

Time is Money
While it is true that you could devote hours toward understanding the intricacies of business credit, it is far more efficient to draw on the expertise of others. If you own a business or have been charged with determining the best financing options for an organization, you without a doubt have many responsibilities to fulfill. Since applying for and obtaining credit can be a paperwork intensive and time consuming process, it can be extremely frustrating to go down the credit path simply to de denied. This is especially true if a streamlined process like the one offered by Business Credit and Capital is the best fit for your business. Investing a little time to talk with a loan expert early on can pay huge dividends because it will help to ensure the efficiency of the credit process.

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Current Trends in Obtaining a Business Loan

For many businesses, obtaining a loan is paramount to not only starting the business, but being able to see it grow and strengthen over the years. While in recent years it has been sometimes difficult for many businesses to obtain loans due to a struggling national economy, there have been several recent trends that seem to indicate it is becoming much easier to get the money needed to see a dream become reality.

SBA Loans
Many businesses today would not exist had it not been for their ability to obtain an SBA Loan through their lender. Small Business Administration loans, while having many qualifications included such as size requirements and finance and lender qualifications, are still considered the best loans available for those wanting to be their own boss. Fortunately, it’s far easier to obtain an SBA Loan today because the Small Business Administration has recently stated it will guarantee a certain percentage of these loans, which makes lenders more willing to say yes when future entrepreneurs apply. Some of the SBA Loan programs being guaranteed include the SBA Express program and the Micro Loan program.

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Is Your Business Planning Properly?

 

No matter what type of business you own, having a proper planning system is of utmost importance. Without a system that looks toward the future, you could end up in serious trouble. However, so many different elements of business need to be planned that you may need a guide to remind you what components have to be reviewed on a regular basis and what type of short and long-term plans you need to make within that scope.

Financial Planning
This element is really one of, if not the, most important items when it comes to a business. Whether you are consulting with your own accountant or with the professionals at Business Credit & Capital, having an outside opinion on the financial future of your company can help to shape and deepen your perspective. Not only do you want to ensure that your business is safe and secure with a nice cushion of money, but you also want to think about ways to expand in the future and any new products or services you want to roll out.

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Get a Head Start on Holiday SEO

Even though it’s still technically the summer, the holiday season will be here before you know it. In fact, plenty of stores are already putting out Halloween decorations, and others are dabbling in Christmas goods. You can get ahead of the game by starting to prepare for your holiday SEO.

Hire Professionals
Each year, the competition when it comes to SEO, or search engine optimization, becomes more intense. Look into your budget to see if you have the extra money to hire a professional in this field. In the event that you do not, consider working with Business Credit & Capital. Although as the owner of your business, you might feel that no one else could possibly know more about it than you do, an SEO expert can help you to understand what the latest trends are and how to best implement them for the type of content that you provide.

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How Does The Small Business Funding Process Work?

The small business funding process works in the same way that the mortgage on a house works. However, you must submit more financial information to get small business funding. You need to have a checklist complete before you submit your application, and you should not start the application process if you do not have all your paperwork together.

Financial Statements
You will need bank statements for your business, and you may need statements for yourself. These statements together paint a picture for the funding company that allows them to determine how risk you are. You may not be asked to submit your personal bank statements, but you could be asked to if you are a sole proprietor of that business.

Tax Records
You need to submit your tax records to the lender, as well. These tax documents need to go back a few years, and they must show the lender if you have any tax liability. Tax liabilities are expenses you need to pay every month, and you will need to account for that when you are planning on paying the small business loan back.

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How Can You Simplify Your Payroll and HR?


When you are trying to make your business operate in a streamlined format, you must make sure you start with your human resources and payroll departments. You can use new systems to make these changes, but you need to get small funding to pay for the new system.

Accounting and Payroll
Your accounting and payroll programs should fall under the same umbrella. When you are keeping your employee files and accounting information in the same place, you can make payroll easy. Also, you can transfer your employee information to the accounting program for the sake of simplicity.

Automatic Debits
When you are creating paychecks for your employees, you can use a program that will deduct benefit payments and taxes for you. The program will use the employee’s time clock information, benefit information and tax information to create an accurate paycheck. The system handles most o the math for your accountants, and they can reconcile the paychecks before they go out to your employees.

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Best Tablet Apps for Local Businesses


If you are a local business, chances are that a great deal of your administrative work is done by you. In fact, completing the work that you need to every day in the back office can make for some very long days.

Fortunately, a host of tablet applications are now available that can cut time off the processes that are an integral part of your business.

Here are some of the best types of applications out there:

Accounting Applications
Most application providers have found that tablets are great for very focused applications that can simplify a process. They have also found that when you add a full-fledged financial or accounting application to a tablet, the complexity of the user interface and the number of options still favor using a larger screen to complete transactions. With that in mind, one of the stronger options that is out there in process simplification category is Shoebox, an application that allows you to use your tablet to take pictures of your receipts. You will never have to worry about looking for your receipts again. Moreover, after you have taken a picture of your receipt, the application will then perform OCR on the receipt, filing the receipts in an organized fashion for you right away. You will likely save a lot of time using Shoebox.

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