Obtain quotes from multiple insurance companies to pick the best rate.
Request quotes for the best deal on your office furniture.
Search for human resource outsourcing firms based on your company’s needs.
Gather and compare rates on business loans and equipment leases.
Get connected with professional web designers to sell your product online.
Improve your cash flow with a cash advance based on your receivables.
Find the best service for processing credit cards online and in-house.
Use email marketing tools to send out your product/service deals and details.
Select the right direct mail vendor to help promote your small business.
Find a collection agency to chase down late payments and unpaid bills.
Discover the best phone service and rates to improve your communications.
Learn about VOIP phone systems and find a solution for your business.
Get a copy of your credit report and find out the facts. You can obtain your credit report for free once every 12 months from AnnualCreditReport.com. This one site allows you to request a free credit file disclosure from each of the nationwide consumer credit reporting agencies: Experian, Equifax, and TransUnion.
A credit score is assigned to you based on your credit history. It lets lenders know the risk they'll be taking when loaning you money. Information on myFICO.com says:
"Each score is based on information the credit bureau keeps on file about you. As this information changes, your credit scores tend to change as well. Your 3 FICO scores affect both how much and what loan terms (interest rate, etc.) lenders will offer you at any given time. Taking steps to improve your FICO scores can help you qualify for better rates from lenders."
Visit myFICO.com to learn more about credit scores and how to improve your score.
Other factors that are considered in determining your credit score include:
Consider these factors when trying to clean up a bad credit history.
If your credit report has verified that your financials are weak and the factors used to determine your credit score do not work in your favor, consider other options:
Home ownership and having a retirement plan from a previous job are also helpful because banks will typically ask for such things as collateral for a loan.
One site to check out for funding (even with a less than ideal credit history) is Count-Me-In (www.count-me-in.org). They offer loans from $500 to $10,000 (first-time borrowers can only apply for a maximum of $5,000).
Other sites to check out include:
An easy and always updated list of grants & opportunities with direct access to grantor's contact information as well as the application requirements.
Grants and Funding
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