Ready to Sell the Business?

An old saying goes, “the two best days of owning a boat – the first, when you buy it and the second, when you sell it. The same seems to apply to some start-up businesses too.

As financial experts point out, a business can be sold only once. Even if a business owner has no intention of selling it at any particular time, there may come a time when it is imperative to do so and some plan to smoothen the process may have to be in place earlier. The preparedness such a plan provides may also help get a better price for the business when it needs to be sold considering the amount of hard work and effort that has gone into investing and running a business in the first place.

What it entails

The need is not to make a commitment to sell but to be informed about what is necessary and what it entails to sell a business. Some of the important aspects to be aware of and some upfront questions that are pertinent include:

• What is the business worth? – This is the first question every business owner has to ask and really evaluate. However, money should not be the only reason for selling because then it means that the owner is not exactly ready to sell and chances are that the business will be undersold. Having said that, whatever valuation is done by the owner, accountant or banker, only marketplace trends can really evaluate the current value of the business.

• Is the reason for selling a valid one? – Again there is a double-edged sword; if the business owner has a really solid reason it will most likely be sold. Here, the catch is to have reasonable expectations that increase the chances of the business getting a good buyer at the price expected.

If these two basic questions have been answered favorably, there are some important things about the business that require attention and putting together.
An initial checklist of the business and its operations should include:

• Profit and Loss statements going back at least three years
• Federal and Income Tax returns
• List of assets such as equipment and fixtures
• Lease related documents
• Details of loans taken, if any and repayment schedules
• If business is a franchise, terms of the franchise agreement
• Inventories of cash on hand, amounts to receive etc
• Details of additional investors or business associates, if any

It’s important to remember that any business, particularly a small one, has to make the right impression with the buyer. The above details help to provide a professional outlook and will go a long way in impressing a potential buyer.

In addition to presenting the business ‘well on paper’, an honest and sincere outlook and potential of the business also helps to create the right impression. Prospective buyers will certainly want to review income and expenditure figures but beyond that, the sustainability of the business and its pros and cons should not be ‘shrouded’. After all, no one will want to buy a business that will not provide a living; a seasoned business professional may have the acumen to see the potential and be willing to take a risk, but it’s impractical to expect everyone to have that view.
What next?

Once the selling has been figured out, it’s time to ponder on who could be a possible buyer. It could be a like-minded upcoming business entrepreneur who is looking for a chance to escape the ‘run-of-the-mill’ work atmosphere, a competitor or a large company looking to increase its business portfolio. No matter who the buyer is, knowing their aspirations and interest upfront helps to avoid long-winded negotiations and frustrating delays. Getting into a negotiation format with an entity that is not really serious about buying is a mere waste of precious time. This can be overcome by preparing a list of potential buyers amongst the circle of business associates and friends within the owner’s circle who is found to be capable of handling the business in a way that the business owner envisages.

That single aspect is enough to provide more satisfaction than the actual business sale.

5 Valuable Ways Business Funding Will Scale Your Business

Most businesses think that business funding is something that you need when your business is short on cash or times are hard. A lot of businesses go out looking for business funding when the business is not good. The time to get business funding is not when your business is doing horrible or you are strapped for cash.

If your business is doing great, there is no better time to go out and get business funding. Why?

1) It’s easier to qualify
2) You can get better rates and terms
3) It’s easier to grow your revenues with a capital infusion
4) It’s easy to utilize the simple formulas that we have in here to scale your growth.

DON’T WAIT FOR THINGS TO GO BAD; IF YOU ARE DOING GOOD – BUSINESS FUNDING CAN SCALE YOUR BUSINESS TO THE NEXT LEVEL.

This is how you can determine if business funding can help your business grow. There are 5 simple steps which will show you the value of business funding.

Step 1: What Do You Need To Grow Your Business?

While this may sound like a stupid question, it is a very important question.

The FIRST STEP you need to take is determining what your business needs to grow sales. Most businesses need one or more of the following?

• Inventory and More Products
• Expanding Existing Line of Products
• Adding Additional Services
• Marketing and Advertising
• Sales People or Personnel
• Machinery, Equipment, Software or Hardware
• Expanding into other Territories or Adding Another Location

Step 2: How Much Money Do You Need to Achieve That?

How much money do you need to achieve that? Again, another simple question and it may sound stupid. But you need to start off with basic questions.

How much would you like to invest into your business or how much do you need to grow your business?

$10, 000, $20, 000, $40, 000, $50, 000, $100, 000 +

Step 3: Where will the come from?

There are only three forms of cash that flow into a business:

REVENUES FROM SALES
INVESTMENT DOLLARS
DEBT: A LOAN OR LOANS

Where will the money come from to help your business grow?

If you have an existing business and you want to invest in your business you either sell more or you have great close out balances and have enough reserves to re-invest. If you plan on selling more; most sales and marketing strategies require some sort of cash infusion. If that is not the case you only have two options: an investor or a loan.

Step 4: If you had the amount of money you need to do what you want in your business – there are two key questions: If you know the answers to these two basic questions; you will know immediately how to increase your sales fast.

1. How much money will you make with that money?

In technical financial terms – What will be the ROI (Return on Investment)?

2. In what time frame will you make that money back?

In what time frame will you achieve the anticipated or projected ROI (Return on Investment)?

EXAMPLE (CASE STUDY): (Simple Version)

If someone gave you $100, 000 – what would you do and how would that impact your business.

Example:

I (YOUR NAME) would take $100, 000 and allocate that money into marketing and increase personnel. (NEED AND WANT)

I (YOUR NAME) would take $100, 000 and make 50% return in 5 months. The equivalent of 10% return per month…

Based on this information, you are clear on how you would use the money, what type of return you would make and in what time frame.

The next step; is to determine if you can?

• Increase sales to $100, 000 and have the extra money to do this.

• If you obtained an investor how much would they want? Most investors will either charge you anywhere from 10% to 30% in interest or they will want 20% to 50% of net earnings. You have to figure out the cost of capital versus your return.

• If you obtain a loan the interest rate may range from 7% to 30%. You need to factor in the cost of capital versus your return.

EXAMPLE (CASE STUDY) – Crunching Numbers:

For Existing and Operational Businesses

Food Distributors of America currently generates $50, 000 per month on an average. At the end of the month they close out $5, 000 positive which is about 10% net. Currently, there cost of inventory is $20, 000. This means every month they purchase $20, 000 to make $50, 000 Gross. The question you need to address is: How much are my costs to generate gross earnings? Once you know that, you know how much you need to increase gross earnings by 10%, 30%, or even 100%. In this example, we can increase earnings by 100% by making a capital infusion of $20, 000.

We know that $20, 000 generates $50, 000 per month. We know that $20, 000 and $50, 000 of gross sales generates $5, 000 per month net; which is 10%. They want more inventory because they have prospective buyers.

Conclusions:

• An additional $20, 000 would generate an additional $50, 000 in gross sales; increasing earnings to $100, 000. This is a 100% increase in gross sales.

• An additional $20, 000 would generate an additional $5, 000 in net margins; increasing earnings by another 10% monthly = 20% monthly.

• If this business can do this every single month, they would increase net earnings by 10% x 12 months = 120%.

Not all businesses can do this. Even if you increase your net earnings by 2% per month = 24% increase in 1 year.

Businesses that carry inventory have an easier time achieving this.

Businesses that sell every day; such as restaurants, hair salons, and anyone who sells consumer products; have an easier time achieving this.

Seasonal businesses can also achieve these types of returns.

Step 5: Calculating Cost of Capital versus Return on Investment (ROI).

If you don’t have the extra money; you will need an investor or some sort of business funding or a loan.

There is nothing wrong with taking on investors or a loan. Most successful businesses have grown with capital infusion. Think of this way. Would the New York Stock Exchange or would the Chicago Board of Trade exists if businesses did not take on investors or debt? All businesses on major stock and debt exchanges have investors or debt.

How do you calculate ROI and Cost of Capital? Easy as 1, 2. 3.

Let’s assume you are able to obtain a loan for $50, 000 to invest in your business. You project that you will make 5% return per month for the next 5 months = 25% return. Let’s assume you get a loan with a 12% annual rate = the same as 1% per month.

5% per month (your return) minus 1% = 4% your new return
4% x 5 months = 20% (after cost of capital)

The interest rate on a loan is important. However, if you know how to make a Return on Investment with a loan you will WIN in the end. More important, this is known as OPM (Other People’s Money). Making money with other people’s money! Read the Art of the Come Back, by Donald Trump. Do you think Donald Trump, Warren Buffet, and others utilize their own money to make money? The answer is NO.

The Advantages of Getting an Unsecured Business Loan for Your Business

If you simply do not have the spare money to spend, you can turn to an unsecured business loan. These type of loans are a positive alternative for people who own businesses – some companies make sure the money is available within 24 hours of applying. Take note that business loans are different than personal loans – these type of loans are only meant to be used for business reasons.

Easier to Obtain Than Secured Business Loans

An unsecured business loan will be easier to obtain than a secured business loan. This is because your business will not need to put any collateral up front.

No Collateral with Unsecured Business Loan

With a secured loan, if you do not pay the loan back, lenders will be able to take the collateral from you. However, if you default on an unsecured business loan, the lender will not be able to take your business’ property, unless they get a court order.

The Court Can Discharge Unsecured Loans When Filing Bankruptcy

If for some odd reason your business has to file for bankruptcy (we hope this never happens), the court can discharge those unsecured loans. However, it’s not normal for them to discharge a secured loan.

Quick Turnaround Time

With most lenders, as long as you qualify for the loan, you will have cash available in a couple of business days. With banks, on the other hand, it could take weeks before you see the money you need.

Credit Scores Don’t Count

If you are a business going in for an unsecured company/business loan, your credit scores will not count. The qualification will be based on your business – if you have a strong business, you shouldn’t have a problem getting money from a lender.

Payments will be Adjusted

The amount you are asked to pay back on a daily basis will all depend on the profits your business made. What this means is the amount repaid will adjust in accordance with both slow business and profitable times. This technique makes it easy to pay the money back, without going broke at the same time.

Unlimited Funding Potential

As the sales for your business increase or if you simply need more money for your business, you can apply for more money, as long as you are in good standings.
As you see, there are many factors to getting an unsecured business loan to help your business during harsh times. Almost any established business, regardless of the industry, can qualify for this form of loan. Most companies have a short application that you are required to fill out in order to determine if you are eligible for the money.

Individuals who are looking for an unsecured business loan may be interested in Xpressbusinessloans.com. This company offers unsecured business loans with the opportunity to receive funding in as little as one day – light documentation must be presented to qualify – this includes a bank statement from the past 6 months and the most recent tax return documentation. The loan amounts are based on gross sales amount – you can get anywhere from 5k to 1 million.

Small Business Valuation and Its Benefits

If you watch the TV show Shark Tank, you often see business owners who lack an understanding about small business valuation. It is estimated that over 80% of small businesses have no financial estimate as to what their business is worth, nor do business owners seem to care. This is like me asking you how much money you have in the bank and you have no idea what I am asking you. You would not run your personal financial life this way; so why would you run your business with no understanding of the value.

So why should small business owners care about valuation? The answer is simple: The personal wealth of every small business owner is directly linked to the valuation of their business. If you expect to be worth a million dollars, then you better have a business that has a valuation of one million dollars. This is important because at some point every small business owner must retire and your retirement is based on the value of your business. Consider the fact that 70% of private companies in the United States will be put up for sale by 2030 and according to the National Federation of Independent Business, only 30% of all businesses that are put up for sale are sold. This is because most small business owners never pay attention to the valuation of their businesses.

Where does valuation come from? Valuation gets assigned based on the benefit stream of your business. The most common benefit stream is Earnings Before Interest Taxes Depreciation and Amortization or EBITDA for short. When you go to sell your company and retire from your business, you will sell your company for a multiple of your EBITDA. The bigger the company, the higher the multiple and the higher the valuation. The key is to get the multiple up which will increase your valuation. This requires an aggressive growth strategy linked to the valuation of your business.

The good news is that financial professionals are now offering cloud based solutions that empower any small business owner with a road-map for increasing value. The bad news is that this road-map can take five years or more to implement. Additionally, most road-maps require a strong professional team to facilitate the process. Having worked with various solutions, I would recommend small business owners consider one of two solutions:

1. Value Opportunity Profile – This is a comprehensive assessment of your business based on interviews with your management team. Specific recommendations are made on how to increase value in three phases.

2. Value Builder System – This is a 12 month program that starts with your own self-assessment, allowing you to decide if you want to embark on the program or not. Exercises are used each month to improve the valuation score of your business.

Regardless of how you get there, it is imperative for every small business owner to recognize how important valuation is to their own personal wealth. Because so few owners seem to grasp valuation and how to increase it, having a professional outside team can help. You need someone to orchestrate and facilitate the process while everyone else runs the day-to-day operations of the business.

Starting a New Business – Learn the Basics

“I’m going to start a new business, ” you say with enthusiasm and excitement. You have a great new business idea and tell your friends and family all about it. Then you realize that you’re not sure where to start. This article will give you a new business basic checklist. I’ll cover business names, products and services, insurance, bookkeeping and marketing, to help make your new business a reality.

Business Names

So you are ready to take the plunge and get started. First things first, decide on a business name. Consider names that are easy for your customers to remember and not too long that it limits itself with social media or web page design. Check your local state for a business name register and see if your business name is available. There is usually a charge for this service and most countries require you to be registered. In Australia you may also need an Australian Business Number to meet your taxation obligations, and this is usually done at the same time.

What product or service will you provide?

The next step is to decide on what you are selling, whether it is goods, services or both. Do your local market research and look at your competition and analyze what they are providing to customers. Ask yourself if your prices are competitive and the services comparative to what you are trying to market. Let’s use a new lawn mowing business as an example. Joe’s Lawn Mowing provides only lawns and edges to customers, could you provide more? You would need to decide on what services you will be providing, for example: lawns, edges, rubbish removal, and gardening. By providing more services in some cases this may give you the competitive edge over the competition. Check your local council for any rules, restrictions or licenses that may apply to your new business.

Business Insurance

What if something goes wrong? You are mowing away and crash, a rock goes through the car window of a Porsche. Insurance is really important to any business if something goes wrong, it’s imperative that you are protected from loss or damage. Get some quotes on public liability, and if you are consulting or advising you may need professional indemnity insurance.

Bookkeeping

I know how much we love the bookkeeping side to the business, however don’t put it off and be the one who gives the shoe box to the accountant. Take some time and learn the basics, these days you can learn over the internet on You Tube and many other sites. You can always buy an easy accounting software package to get started or if you’re a wiz at excel make up some simple accounting sheets. There are also many template examples free on the internet.

As a business you need to know how your business is doing financially at a glance. You need to know what your breakeven point is, what mark-up you will use and what your profit will be. A successful business knows what their finances are doing. With the right package you can control your stock, know what needs to be ordered and what is most popular. Put together a cash flow forecast with actual and projected figures for the next 12 months. This information is vital for your business’s survival in today’s economic climate. Your bank manager needs this information should you need a business loan and you need to know what cash is flowing in and out of your business.

Marketing Your Business

Put a marketing plan in place, there are many good ideas and templates online. Some simple marketing strategies to help you get started are:

Set a budget and stick to it, sometimes it can be really easy to get caught up in the moment and spending more than you need to.
Look at your target market – who are your clients? Male, Female, under or over 30, families, or tradesmen etc.
Build relationships with your clients and find out what they need.
Network – take business cards where ever you go, but don’t be pushy, talk, listen and build a relationship to work out their needs.
Social media sites – fairly easy marketing plan and advertising templates.
The local newspaper.
Create a great easy to read and navigate website.
Be a professional – be confident, be approachable, be understanding, and be knowledgeable about your products and services and how it fulfills their needs not your pocket.

Hire A Business Coach

Whether you are starting a new business, running an existing business, or trying to grow your business you face many challenges.

No matter what phase of the business you are in, it takes skills, knowledge, experience and expertise from a variety of people to make it all work.

Depending on the type of business there may be regulatory and licensing requirements you must meet.

Failure rates for new business run in the 50-75% range in the first 2 years. A business coach is an integral player for a start-up business. She can ensure that all necessary legal paperwork is in place, all permits are complete, a financial and legal counsel are on board.

Every business no matter the size should have an accountant and a legal counsel. These professionals are worth their weight in gold. A business coach can help find the right individuals for your business.

When it comes to hiring personnel, a business coach can establish guidelines as to the number and type of people your company needs during the startup phase. She can also help plan additional hires as the business grows. By hiring essential, key personnel at the outset and adding as the business grows, the company manages one of the biggest expenses namely payroll.

If your business is growing there may be things you are doing or not doing that would improve your bottom line. It may be that you are so busy keeping up with the workload or dealing with clients that you don’t see the real issues.

When business is growing there is potential for waste and lost profits. If the growth is too fast and business owners are keeping their heads above water, they may not be watching time and materials closely.

Maybe they go on a short hiring spree to meet the demand. This needs to be monitored closely and when the additional personnel are no longer needed, they need to be let go.

It could be that extra raw materials are ordered to keep up with demand, and again this isn’t brought back down to normal levels once the growth levels out. Hiring a business coach to help a business map their growth strategy is money well spent.

Finally simply running a business is daunting. New hurdles, challenges and opportunities come up every day. Business owners need to keep a handle on all aspects of the business. The business coach is an important asset to any business.

John is the founder and CEO of John McKee And Associates

His associates are certified and experienced professionals helping individuals and organizations with Leadership Development, Business Coaching, Career Coaching, Employee Engagement, and Change Management.

6 Highly Effective Ways To Build Credibility For Your Business

As every small business owner probably knows, repeat customers help drive the profit margin of any business. In today’s business world, it is hard to get customers and harder still to keep them. Business credibility is the major instrument which helps any business to keep customers and to make such customers loyal to the brand. If you want to build credibility for your business, you must find ways to repeatedly do the following.

01. Be honest about your business. It is easy to build credibility when you stick with the facts about your business. If you are dishonest, it is enough to quickly kill your business credibility. False information and embellishment of facts about your business are no-go areas. So is outright lying.

02. Be sincere and trustworthy. At all times, you must find ways to say what you mean and to do what you say you will do. That helps to build trust and credibility. Let your words be your bond without any overzealous embellishment. Do not hype your product. Let your customers know exactly what your product is about and what problems it can solve for them. When customers discover your sincerity, they tend to trust you more. That helps to build credibility for your business.
03. Be sensitive to people’s needs. Irrespective of whether your close associates are your workers or your customers, you must find ways to show sensitivity to their plight. That is the best way to work better with the workers and also to serve the customers better. Habitually showing empathy to the needs of your workers and your customers helps to build credibility for your business.

04. Be knowledgeable. If you know where you are going and what you are doing, people tend to follow you. That is credibility. You must have requisite and demonstrable skills and know-how to do your business legitimately. If customers have implicit trust in your ability to deliver goods and services to them as promised, they tend to trust you more. That helps to show credibility for your business.

05. Promote your achievements. Make sure you keep concrete records of your achievements. If you are proud of your achievements, promote them. All the achievements of your business no matter how small need recognition if they can directly impact on building credibility for the business. Using Social Media, you can effectively promote these achievements to your friends, customers and business associates. Be proud of your achievements, and allow the achievements to speak for your credibility.

06. Ask for endorsements and testimonials. Be sensitive to the fact that every customer you deal with in the course of your business is a very valuable asset to the business. If you satisfy customers, they pass on the word and your business benefits. It is not out-of-place to ask your customers or even successful professionals for endorsements and testimonials. Their endorsements and testimonials if positive do add incredible value to your credibility.

Many small business owners are always very concerned about their reputation. They always want to have a positive reputation. If words get out there that you are a credible and reliable business owner who delivers on his promise, your business capital grows as a result. You can draw from that capital effortlessly with time and that helps to grow your business exponentially. That is why building real credibility for your business is imperative if you sincerely want to succeed.

Sule Yesufu, a Certified Speaking Professional, has been a Strategic Partner in S D Y Management Consult, a firm of Investment, Small Business and Entrepreneurial Consultants since 1999. He is a Published Author and a Newspaper Columnist. An expert in Small Business and Personal Development, he focuses on communicating his ideas and thoughts mostly through his Training Seminars and popular free blog. He offers useful tips on Self-Improvement, Personal Finance, Entrepreneurship, Current News, Politics and Business in Nigeria, the most populous and vibrant country in Africa.

Finding An Accountant To Suit Your Business

For all small businesses, whether retail, service based or otherwise; day-to-day management can get hectic to say the least! From taking care of staff, to dealing with orders and other areas of daily operation, for those in charge of a small business there are simply countless areas to contend with and as a result, the financial side of a business can quite easily get neglected.

From payroll, to invoices to expenses and cost management; maintaining the financial side of any business is crucial to its success. Whatever the business, a healthy financial profile and good control is key; knowing just what is going where, what is costing the business too much and where crucial savings can be made really can make all the difference to a business. With so many other areas of a business to focus on however, it is often easy and often the safer decision to entrust finances in the hands of an accountant.

Whether you know what it takes to control the financial side of your business or are new to it all, the right accountant can make all the difference, working with you to strengthen your business all the whilst freeing up your time to focus on other areas.

Investing in an accountant could be the best decision you make for your business and the below tips are designed to help ensure that whatever the business, you get the right accountant for you…

Experience – For small businesses in particular, it is often agreed that specialist small business accountants are the best option. Although it may seem enticing to go with a large financial company you have to remember that you may just be the small fish in the big pond and easily get neglected as the least important client. For those accountants specialising in small business finance you stand a far better chance of getting a dedicated service from an expert who can understand how your business works.

Services – Whether you require all round accountancy services or a specific service; generally speaking it is often best to go with a rounded accountancy firm that knows how to deal with all areas of business finance. You may have everything under control and feel as though you only need assistance with a certain area but as a small business, it is often all too easy to require a little advice and support here and there (particularly when it is time to file a tax return) and the more your chosen accountants know; the better looked after you will be.

Trust – When it comes to your business finances, trust is everything so when searching for an accountant for your business so why not consider selling recommendations from friends and family? Whether you know someone who has a business or know someone who is an accountant themselves, it is important to go with a trusted source to ensure your businesses best interests. You could even seek recommendations from other businesses too!
A healthy financial profile can help ensure any business stay on the path to success. Whether you require bookkeeping services, payroll assistance or all round financial support, find the right accountant for your business and you’ll be surprised as to just how easy things can get!

Ben Black is the Director of Calculated Accountants, a firm of professional start up business and small business accountants dedicated to providing solid, trusted financial advice and support.

Wondering About Financing Small Business Loans?

Many small companies in the US expect some growth opportunities in the next year. That is the great news! The bad news? Financing opportunities are looking bleak, particularly if the business owner has less than great credit, or a new business. Why would you need to know about financing small business loans? The main reasons for small business financing are to receive working capital and funds for capital expenditures.

It used to be that applying for business cash for a smaller business was fairly straightforward. You’d pay a visit to your local friendly banker and talk about your business needs. You’d discuss what you needed and they would help with financing a business loan – yours, to be exact. Then, the financial crisis hit, and banks closed ranks and decided that loans for small business were too risky. Business cash almost dried up. The big losers? Small business owners.

Now, we see the result of lack of financing: many small companies are either struggling to stay afloat, or are finding it almost impossible to capitalize on upcoming opportunities. In a recent Year-End Economic Report published by the National Small Business Association, nearly 40% of small businesses report they are unable to acquire adequate means for financing small business loans they deem necessary for their business to continue and grow.

What are the options for companies to get the business cash they need? The large corporate bankers and small locally owned banks are not the alternative they have traditionally been. You may feel that your business is a captive being held by the current economic situation and credit crisis. What you may not know is that there is a great source of alternative lenders who can provide working capital for small businesses. It is possible for loans to be secured against cash flow or your accounts receivable. In addition things such as inventory and purchase orders can be considered. Do you own property, machinery or equipment? These things as well may be leveraged to secure loans for small business.

What happens when your long time banker tells you there is no money for your business? Don’t give up and think that all is lost. There is help just around the corner for you. Business lending has changed. It may seem a little different to do business on the internet, but that is the new way. You just may be able to get the financing you need when the bankers say “No way. ” Asset-based lines of credit may be the way to go in this Brave New World.

Typical banks are just no longer willing to extend traditional financing to the small company owner. There are many reasons for this, some of which are tightened federal requirements, as well as skittish investors who only look at the bottom line. These factors combine to make it seem that any loans for business may seem quite impossible. But don’t believe that! There is a whole new world of private banks and small business lenders who welcome your business. Once the level of risk of the business being financed is determined, you may be pleasantly surprised by the rates and terms you may be offered. Take advantage of the growth opportunities for your business. Grow your business just as you’ve dreamed.

The Get Working Capital Quick management team consists of financial professionals who have a combined experience of over 90 years in the business world. Get Working Capital Quick is focused on providing a variety of funding solutions including working capital, accounts receivable factoring, purchase order financing, merchant cash advance, business credit lines, and equipment financing. We can assist you in obtaining the financing you need for your company.

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