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Harrison College Working Moms Scholarship Biography Series : 1 minute version

Harrison College is a contemporary, career-focused institution of Higher Education serving more than 6000 students throughout the United States and Internationally. Harrison College has 12 campuses in Indiana and Ohio, two culinary schools in Indiana and North Carolina, and also offers courses online at Harrison.edu. The institution grants Associates and Bachelor’s degrees across five schools of study: Business, Health Sciences, Information Technology, Criminal Justice, and Veterinary Technology, as well as its culinary division, The Chef’s Academy. Harrison College offers students a variety of learning environments including online, traditional classroom or a combination of both. Harrison College is accredited by the Accrediting Council of Independent Colleges and Schools (ACICS) and is dedicated to excellence in higher learning. In addition, the College is currently a Candidate with The Higher Learning Commission, an affiliate of the North Central Association (HLC-NCA). Harrison College was founded in 1902 as Indiana Business College and has a rich history of preparing students for success in their chosen profession.
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Eric Pickles: More flexibility for councils to reduce council tax bills for hard working families and pensioners

Communities and Local Government Secretary Eric Pickles has today published for consultation a series of practical measures that give councils extra flexibility to help ordinary families with their council tax bills. (continues…)
Department for Communities and Local Government: Housing news articles

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Consulting on the Side: How to Start a Part-Time Consulting Business While Still Working at Your Full-Time Job

Consulting on the Side: How to Start a Part-Time Consulting Business While Still Working at Your Full-Time Job

• ISBN13: 9780471120292
• Condition: New
• Notes: BRAND NEW FROM PUBLISHER! 100% Satisfaction Guarantee. Tracking provided on most orders. Buy with Confidence! Millions of books sold!

Build a thriving business while holding down a full-time job.

Do you yearn to strike out on your own, take charge of your destiny, and create a better, more independent lifestyle for yourself? Read this book and learn how to start your consulting business while you still have the security of a regular job.

Consulting on the Side is for the professional who longs for independence but can't simply walk away from a steady paycheck and company health benefits. Successful consultant and

List Price: $ 36.95 Price: $ 5.49

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Bad Credit Small Business Loans – Business Working Capital For Less

In the difficult environment many retailers find themselves, it is not uncommon that many businesses may be having credit difficulties and are having trouble getting bad credit small business loans. Unfortunately, when these retailers attempt to get a loan at a bank, it can become very difficult to get approved if the credit is less than perfect due to restrictive guidelines placed on loans by business banks and the SBA.

For these types of retailers, often they are forced to go with a merchant cash advance from their payments processor. These “cash advances” are not regulated as true loans, which mean they can charge factor, or interest rates, as high as 50%. Not only are these unfairly high rates a problem but they are often coupled with a requirement to pay unfair upfront fees, purchase equipment and/or switch to a new credit card processor in order to receive the money.

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Because these unregulated “advances” are not subject to typical lending laws, the interest rates often will change or spike up during the repayment period. High “Holdback” or payments for such a loan can also be a terrific burden on a business

Often advertised as “unsecured” and not contingent upon owners credit, what is often not mentioned is that the cash advance company will usually file a lien against the owners business as a security interest. This means that if the business is liquidated or sold, the cash advance company has legal claim to the proceeds outlined in the lien.

Fortunately, there is a much better alternative for merchants who need bad credit small business loans but do not want to be subjected to unfair interest rate, fees and other difficult requirements to secure working capital. This new type of true, regulated business loan is called credit card receivable financing and features:

Interest rates that are 50-80% less than a merchant cash advance
No upfront fees, points
No requirement to switch credit card processors
No requirement to buy equipment
Owner credit score as low as 550.
Pre-approvals in 48 hours
Fundings in 7 to 10 Business days
A true, regulated business loan that builds positive credit history.

To find out more about this new type of lower cost bad credit small business loan, see below

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Tags: Business, Capital, Credit, Less, Loans, Small, Working

Regulatory influences on commercial bank personal loan rates (Working paper / Credit Research Center)

Regulatory influences on commercial bank personal loan rates (Working paper / Credit Research Center)

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House panel OKs adjustment in payday loan rates.(NEWS & ANALYSIS): An article from: New Hampshire Business Review

This digital document is an article from New Hampshire Business Review, published by Thomson Gale on November 9, 2007. The length of the article is 514 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

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Title: House panel OKs adjustment in payday loan rates.(NEWS & ANALYSIS)
Author: Kevin La

List Price: $ 9.95 Price: $ 9.95

Low Fixed Rate Loan.com Refinance/Broker/Personal Loan Website Domain Name

US $2,500.00 End Date: Sunday Feb-12-2012 21:18:16 PST Buy It Now for only: US $2,500.00 Buy it now | Add to watch list

PERSONAL UNSECURED LOAN, LOW RATES, CAR REPAIRS, MEDICAL BILLS, CREDIT CARDS

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Tags: Bank, Center, Commercial, Credit, influences, Loan, Paper, Personal, Rates, Regulatory, Research, Working

Commercial Loan Help for Avoiding Problem Working Capital Lenders

Avoiding critical problems is vital for a small business owner seeking help with commercial loans. Successful working capital management especially requires that problem lenders be avoided for business loans and commercial mortgage financing.

One of the most serious commercial loan situations is a small business commercial lender that causes problems for their commercial borrowers on a repeating basis. Commercial borrowers should be prepared to avoid certain problematic commercial lenders unless alternative working capital loan options are impossible.

This article will not name specific lenders to avoid. However, we will describe the importance of avoiding “problem commercial lenders”. Key examples will be provided to illustrate why prudent commercial borrowers should be prepared to avoid a wide variety of existing commercial lenders when seeking viable commercial mortgage and small business financing strategies.

I have been advising business owners for many years, and I have encountered many commercial loan situations which have involved commercial lenders that I would not recommend as a result. This conclusion is typically based on an obvious pattern of lending abuses by select business financing providers.

As a first example of lenders to avoid, 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.

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The second example of lenders to avoid involves the commercial appraisal process. For commercial mortgage loans, commercial appraisals are an unavoidable part of the commercial loan underwriting process. The process to obtain commercial appraisals is expensive and lengthy. 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.

The third example of lenders to avoid is illustrated by those which provide worthless pre-approvals for commercial loans. Business borrowers often want an early pre-approval for their business loan. The apparent result of the preliminary business financing approval is that it will allow the borrower to make other business commitments which are dependent on the commercial mortgage being approved.

Commercial borrowers should expect that a valid approval will not be regularly issued in a day or so. Any form of commercial financing approval will be treated as a binding action by ethical lenders. Nevertheless there are commercial lenders who provide their own special version of a pre-approval within just a few days of receiving preliminary application information. Because this abbreviated approach to pre-approvals almost always produces unexpected surprises for the commercial borrower as the business loan process goes forward, commercial borrowers need to be extremely wary of any commercial lenders that take this approach.

You might ask why any lender would use a misleading pre-approval for a commercial loan? Here are two primary possibilities. The first reason is to employ a pre-approval process that resembles the approach used for residential mortgage loans. The second is to encourage the borrower to end their consideration of other commercial lenders.

Since many commercial mortgage loans are arranged by residential mortgage brokers who are frequently unfamiliar with common commercial loan procedures, this reason will be especially applicable when dealing with commercial lenders that specialize in dealing with residential mortgage brokers. This type of commercial lender should be avoided at all costs for most business financing situations.

The fourth example of lenders to avoid is related to lack of sufficient lending competition. It is not unusual for the leading small business lender in some markets to use more restrictive commercial loan terms. This lack of other local lenders is often taken advantage of by such problem lenders. It is not wise for borrowers to rely upon local and regional banks for most business financing requirements. A non-local lender can frequently provide better business loan terms for most lending scenarios because they are routinely competing with other business lenders.

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Bad Credit Loans For Business- Working Capital Loans With No Credit Cards

Many businesses have found themselves denied for working capital loans because few banks are lending in this post financial crisis climate. Most ‘bad credit loans for business’ are from merchant cash companies that make accepting credit cards a requirement of getting the loan disbursed. Unfortunately, many entrepreneurs need small business loans for bad credit who may have been approved a few short years ago.

These businesses may not accept credit cards, and may have been shut out of receiving even a {high rate|expensive] merchant cash advance because they are a traditional ‘cash’ business or a manufacturing concern that bills it’s clients net 30 or net 60 terms, receiving checks or wire transfers of cash as payment. These types of businesses have been the hardest hit as banks tend to hold onto their sizable cash reserves until economic indicators get better and so-called ‘alternative’ business non-bank lenders will only lend to those concerns that accept credit cards.

Such businesses may be described by traditional banks or the SBA as bad credit, but still have a healthy business base and cash flow. Many times, business loans have been disapproved simply because a owner may have a bad credit score, even though the rest of the business fundamentals may be sound.

However, there is an option from a non-lender that has entered the marketplace that can handle business principals with low credit scores and still make loans to so-called “cash” businesses that have an established track record. Additionally, the expense of these loans is usually 40-50% less than a similar cash advance without any upfront fees. Manufacturers, internet companies, restaurants and other companies that have been recently been “blacklisted” by many lenders may also be approved for working capital.

The so called ‘credit crunch’ has left many businesses that were once considered excellent loan applicants in the uneviable position of needing bad credit loans for business, whether or not they truly have bad credit. Fortunately, new options exist that will help create opportunity with their businesses as they move forward into the future.

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Creditor remedy restrictions and interstate differences in personal loan rates and availability: A supplementary analysis (Working paper / Credit Research Center) Reviews

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Bank consolidation and the provision of banking services: The case of small commercial loans (Working paper)

Bank consolidation and the provision of banking services: The case of small commercial loans (Working paper)

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Commercial Finance Funding Help And Working Capital Advice

There have been some disappointing and unexpected actions taken by commercial lenders in response to recent financial events. This changing environment for business finance funding is likely to produce several new problems for commercial borrowers. To assist small business owners in their efforts to keep up with these imposing challenges, The Working Capital Journal is one of several commercial financing information resources which should be reviewed regularly. The working capital finance industry has primarily been operating on a regional and local basis for many years. In response to cost-cutting that has permeated many industries, there has been a consolidation that has resulted in fewer effective commercial lenders throughout the United States. Most business owners have been understandably confused about what this might mean for the future of their commercial financing efforts, especially because this has happened in a relatively short period of time. Of course, for some time there have been ongoing complex problems for commercial borrowers to avoid when seeking commercial loans. But what has produced a new set of business finance funding problems is that we appear to be entering a period which will be characterized by even more uncertainties in the economy. Previous rules and standards for commercial financing and working capital finance are likely to increasingly change quickly, with little advance notice by business lenders. Business owners should make an extended effort to understand what is happening and what to do about it due to this realization that substantial changes are likely throughout the United States in the near future for commercial finance funding. At the forefront of these efforts should be a review of what actions commercial lenders have already taken in recent months. The Working Capital Journal is one prominent example of a free public resource that will facilitate a better understanding of the responses by business lenders to recent economic circumstances. By publicizing actions taken by commercial lenders, this will contribute to these two goals, both of which are likely to be helpful to typical business owners: (1) To highlight controversial bank-lender tactics with a view toward reducing or eliminating questionable lending practices. (2) To help business owners prepare for commercial finance funding changes. Sources that currently include The Working Capital Journal are actively encouraging business owners to describe and report their financing experiences so that they can be shared with a broader audience to assist in this effort. Some of the most significant commercial financing changes reported so far by commercial borrowers involve working capital loans, commercial construction financing and credit card financing. A notable situation of concern is that predatory lending practices by credit card issuers have been reported by many business owners. Some specific businesses such as restaurants are having an especially difficult time in surviving recently because they have been excluded from obtaining any new business financing by many banks. One of the few recent bright spots in business finance funding, as noted in The Working Capital Journal, has been the continuing ability of business owners to obtain working capital quickly by business cash advance programs. For most businesses accepting credit cards, this commercial financing approach should be actively considered. Business cash advances are literally saving the day for many small business owners because most banks appear to be doing a terrible job of providing commercial loans and other working capital finance help in the midst of recent financial and economic uncertainties. For example, as noted above, restaurants are virtually unable to currently obtain commercial finance funding from most banks. However, if a restaurant accepts credit cards in their business operations, they are likely to be able to obtain needed cash from merchant cash advances and credit card factoring.

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