Business Finance Solutions

asked:




Sooner or later, almost every business will run into cash flow problems. Although ideally you want to prevent these problems, this is not always possible. Part of running a business involves, at times, living a little bit on the edge. Sometimes, you go a little farther than you should have.

One of the more common causes of cash flow problems is slow paying clients. These happen because most commercial sales are not paid immediately, but rather 45 to 90 days after the product or service has been delivered. Few business owners can afford to wait that long to be paid, though. There are constant business expenses that have to be covered.

Common wisdom suggests that companies should keep a cash reserve that is large enough to cover expenses while waiting to get paid. This works beautifully in theory but seldom in practice. The truth is that most small companies keep inadequate reserves.



Factoring Debt

asked:

What happens when dedication and a love of the job aren’t enough to pay the bills? Every business reaches a point where they need some extra working capital to pay bills, expand operations, improve marketing, or any number of other activities. Finding money can be a challenge, especially if traditional bank loans don’t work for your current situation.

Most bank loans rely on a set of criteria that can be extremely difficult for a small business owner to meet. If you have no collateral for a secured loan, finding the cash you need may seem almost impossible.

As long as your business has a steady flow of income each month, you may be able to qualify for unsecured business loans or unsecured business lines of credit. These cash sources can give you the working capital you need in much less time than a traditional bank loan. In many cases, same-day or next-day approval is possible.

These loans are attractive to small business owners who know they’ll have steady income in future months, but don’t have the financial history or collateral to qualify with a bank. In some cases, the interest rates on unsecured business loans can be higher than bank loans. More often, though, the rates are competitive.
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New Business Credit Cards

TDCanada asked:

This week Patricia Lovett-Reid sits down with Bruce Cooper, Vice Chair, Equities, TD Asset Management and Portfolio Manager of the TD Global Dividend Fund. They are discussing the 2011 global outlook for equities. Despite nagging doubts over efforts being made to resolve the Eurozone sovereign debt crisis and fears of Chinese interest rate hikes, by and large international equity markets have got off to a positive start this year. Bruce provides his outlook for global equities and shares names of some stocks that he likes.
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