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. Although it may seem difficult for owners to make use of these loans, particularly first-timers, this is not so.

Approval of business loan depends on different parameters, and if these are not met, a loan has a will be denied. The best way to deal with the rejection is to explore the factors behind it and build on them to obtain the business loan eligibility criteria for your next submission.

Reasons for your business loan application getting rejected

Low credit score

A good credit score reflects the successful management of the budget and expenditures. If you have a low credit score, it shows your lack of financial prudence. You must check your score with reputed credit rating agencies before applying for a loan. One of the most common reasons for refusal on l business loans is due to the use of a high percentage of credit amount.

Insufficient cash flow

Your cash flow analysis shows your ability to repay your loan after you have covered the operating costs. Insufficient cash flow influences lender trust to approve the loan. You can increase your cash flow by:

• Reducing unnecessary costs
• Holding correct invoice
• Establish an Emergency Fund

Excess debt

If your company is in over-debt, prospective investors will be turned away. A lender’s primary concern is repayment. When a lender sees you having colossal debt, it is natural that he will be cautious. Maintaining low credit balances and paying off past debts would help solve this problem and can get a business loan quickly.

Weak business plan

Developing a detailed business plan would be wise. You will need to do an in-depth study of the market factors before submitting the documents required for business loans. It lets you get an objective and realistic analysis of the possibilities a scenario provides to your company.

Lack of collateral

Investors are looking for concrete evidence to support their investments. When you apply for a loan, you must have a clear understanding of your inventory of assets which you can use as collateral. If you are unable to provide tangible assets, you may need to mortgage your assets to get the business loan you need.

Purpose of the loan

You should be aware of why you need to apply for business loan. Do you need it to purchase new equipment or for research or to develop a new product or is it for renovating your office? If you are uncertain about your loan’s intent, lenders are less likely to approve your application.

iPhone 4 Battery Life vs. iPhone 4S Battery Life

by

CellPlaza

Apple has made claims that the iPhone 4S battery life will provide more talk time when compared to the original iPhone 4 battery life, however, the standby time will be worse on the new iPhone. It all depends on what you are planning on using the phone for in order to determine how long the battery is going to last. You have to remember that the new iPhone 4S has a dual processor versus a single processor in the original iPhone 4, thus accounting for differences in the battery life.

When put to the test, users reported an average battery life of just over nine hours on the iPhone 4S, but on the regular iPhone 4 it was about seven hours. If you are using the phone for video recording, you can expect about two hours out of the iPhone 4S and around 3 hours on the iPhone 4. Even though there are differences between the talk time and the amount of time you will be able to use the phones features, it all boils down to what you want to do with your phone. Regardless of which phone you choose to use, you need to know that there are options available for you. Take the time to browse through all of the iPhone accessories to see which ones are going to provide you with the best possible benefits. The last thing anyone wants is to be stranded with no options for making a phone call. Even though you will never be able to have an exact battery length, you need to know that you have options to make sure that when your phone starts getting low you can recharge it in just a few minutes. Car Charger The iPhone car charger is one of the most common portable accessories you can purchase for your iPhone. This way all you need to do is plug it into your cigarette lighter or 12V accessory and your phone will be powering up in no time. It features a compact design and retractable cord that will make storage a breeze. The car charger will also protect your phone from accidental overcharging. Your phone will be completely charged within a couple of hours on average, depending on the charger you select. Solar Charger The iPhone solar charger is one of the newest inventions on the market for charging your iPhone battery. This fabulous piece of technology allows you to charge your phone anywhere there is light. You simply plug the charger into your phone and your iPhone will be completely charged in about four hours. Technology on the go has never been easier. As long as there is natural light your iPhone will be able to charge in no time at all through the power of the sun. External Battery Another option to extend the talk time in your phone is an iPhone external battery. You will be able to get additional talk time or video time when you have this handy little battery as a backup at all times. The iPhone accessories for batteries will extend the life of your battery by about 300 percent, which is going to add about 38 additional hours of use. The external battery will last you for about 500 recharging cycles, so you will have plenty of use in your external battery for the iPhone.

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Inventory control helping you manage your stocks and inventory better

by

john mayer123

If you are a manufacturing company or a trading concern that stocks many supplies and inventory, there is no doubt that your will have trouble keeping control of your inventory. To make sure that you have the maximum profits and also to ensure that there are no wastages, it is necessary to have a strong inventory control policy in place. If you feel that you are not very efficient at managing this job by yourself, you can always hire the services of a company that offers inventory accounting services. If you have a planned and systematic program in place, these inventory accounting companies will take over the program and make sure it runs properly.

Sudden jobs

Even if you don t have a proper inventory control system in your business concern, you need not worry. These companies can carry out any sort of

inventory accounting

service even at short notices or as a last minute work. The accuracy of their work and the dependability of their services are their strong points. They believe in values such as trust, integrity and kindness. These values are the foundation on which they build their reputation and name. They offer they best services using the best people trained to be professionals and experts in their field.

Trained and equipped staff

Physical stock taking of inventory and equipment can be a very hard and difficult process, both on the personnel and the nature of accounts involved in it. The companies that provide inventory accounting services make sure that their staff and employees are trained well enough to handle the pressures of physical inventory verification. The staff apart from helping in the physical stock taking will also help in generating and preparing the various reports and documents related to this process. They will also write up all the closing reports that are needed. They also conduct reviews of the reports and carry out any reconciliation if necessary.

Benefits of inventory control

There are many benefits of hiring the services of an

inventory service

provider. Having a good, strong and reliable inventory control program will result in better inventory management. You will have more control of the quantity of inventory coming in and going out of your company. You will also be able to manage the physical storage of the inventory very well. Your accounts will also be in good shape and all this will lead to better productivity and ultimately optimum profits.

John Mayer is a professional author. He loves to share his idea and knowledge to make people aware about on a large variety of Best SEO Company and SEO Company Reviews.

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ArticleRich.com

What due diligence should I doThe primary goal of business due diligence is to test the veracity of the representations of the seller. The due diligence that you can do before buying a Florida business can include reviews of the internal financial operations, online business health, and verification of assets.Your due diligence may also include, investigating the community where the business operates and customer demographics. In addition to business lawyers, financial professionals like CPAs together with valuation experts and business brokers can provide good assistance and guidance in determining the health of a business.Should I buy the company or just its assetsFor an existing business, you can buy the entity or some or all of its assets. Buying the entire business is accomplished by purchasing the ownership interest that is usually documented in a stock purchase agreement. Technically only corporations have stock, but LLC membership interests are often called stock in common parlance.When you buy the stock, you get the whole business including its assets, liabilities, and even licenses. In my experience, stock purchase transactions have been commonly used in recent years with drug and alcohol rehabilitation centers. This structure lends itself well to these businesses because of the licenses that transfer to the purchaser.In other situations, particularly where liability avoidance is the primary goal, it may make more sense to buy only the assets of an existing business. This is accomplished through an asset purchase agreement. In that transaction, it is important to specifically identify the assets being purchased and sold to avoid confusion. There may also be transfers for certain assets that may need to be documented such as a title transfer for a motor vehicle or deed to real estate. This further highlights the importance of due diligence to identify and value the assets.In either a stock purchase or asset purchase transaction, it is the important to have experienced corporate counsel. Due diligence should also be done.Can I totally rely on the representations of the sellerPurchasers are entitled to rely on certain representations of the seller. Florida law, however, has grown increasingly complex as to whether such reliance is justified and proper. Also, a significant factor is the degree to which any representation impacted the ability of a buyer to verify information.Relying entirely on representations of the business without performing any independent verification may place the buyer in a precarious position later. The buyer may also incur substantial litigation expenses that might have avoided.Business purchasers who fail to conduct any pre-purchase investigation or due diligence essentially fail to plan and consequently have a plan to fail. Upon identifying a purchase opportunity a better initial approach is to retain qualified experts to help you in the due diligence process. A good business lawyer will identify the representations for you to focus on to avoid problems later.How should I document my due diligenceIt is important from the beginning to maintain clear records. Recording any representations by the seller that induce the purchase are very important to document. What you need to know is that Florida law distinguishes between representations that are opinions from those that are material but are false or fraudulent.In certain situations, you simply may not be able to uncover any deception through due diligence. The seller may just disguise the true facts too well. If it later becomes necessary to sue the seller over the representations, proper and thorough documentation from early in the process will greatly aid in presenting a full and complete picture to a judge or jury. Your experienced business attorney can provide guidance on how to document those representations.It is also equally important to clearly document the closing. By so doing, the parties can have a clear understanding of the scope of the transfer. It also makes it easier to enforce any rights post-closing. Properly defining the assets of an asset purchase transaction closes avoids post-closing confusion and disputes. Having an experienced business lawyer at your side throughout the process increases the chance of a trouble-free transaction.

Submitted by: Arijit M

People are busier than ever, but still have the desire to improve their lifestyle with a better job. Many times the only way to get a better job is to begin or continue with education in order to learn essential skills and often a degree in order to be of value in a new position. Finding the time to attend classes at local schools or universities is almost impossible for most people. Not only that, but tuition fees can be incredibly expensive and not affordable for many. With such a huge market of individuals looking to complete higher education levels, a market has emerged offering busy people affordable classes that can be completed at home with distance learning online.

There are hundreds of schools that offer distance learning online options available to anyone interested in advancing in education. However, not all schools that offer distance learning online are accredited and will not be recognized when applying for a new job. It is important to verify that any schools that offer distance learning online can offer proof that they are accredited and are recognized by the appropriate educational institutions to make it a genuine educational institution.

Each individual considering completing school by distance learning online will need to assess their commitment and organizational skills in order to see if they can truly commit to a self-guided learning experience. Much of what is learned through distance learning online is done independently and discipline is an important part of successfully completing distance learning online.

People who commit to distance learning online find that they often do as well if not better than people who are attending a traditional classroom environment do. Motivation and setting personal goals is an essential part of their learning experience and that is all of the support that they need. Students who use distance learning online are so disciplined that they rarely find that they put off assignments. Completing an assignment without the pressure of attending a set class time as well as the motivation to complete their education as soon as possible tends to be a constructive learning environment for many.

Students of distance learning online tend to have one skill in particular in common and that is excellent reading and understanding skills. These students don t need or often like to listen to lectures or even video. The written word is the best way that information is taken in by distance learners. With adequate reading comprehension skills, completing college level courses without the immediate guidance of an instructor is easily done.

Distance learners are unique in the fact that they are often not afraid to use the word no . Distractions can become overwhelming with the telephone, television, spouses, children, pets and so many other things that attempt to draw attention away from learning. Students completing distance learning online know that they have to disconnect the phone, turn off the television, let the dog out, send the kids out to play or simply just tell everyone that there are to be no interruptions during specified times in order to complete school work.

When choosing distance learning online, a person recognizes that they are not focused on the support from other students or social interaction. They are focused on the completion of their education and make that their priority. Distance learning online is not the right choice for everyone, but those who have just a few of the conditioned qualities mentioned above might want to consider distance learning online as a realistic educational option.

About the Author: Rod is the webmaster and owner of ” Superior-Distance-Learning-Schools.com ” and has been researching and reporting on Distance Learning Online for years. Click Here ==>

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