Finance for Short Term Leasehold Property in the UK
his usually, but not exclusively, relates to shops, public houses, restaurants, take-aways and similar, mainly retail type businesses. The underlying leases are short term and generally operate from just a year to 25 or perhaps 30 years with five to ten years being the most common.
The purchase of a leasehold business has always posed a problem for banks as there is no inherent value in the lease itself. If the lessee fails to pay the rent then title will revert back to the freeholder and thus in the event of default there is no value for the bank. Despite this, there is of course ‘value’ for the purchaser but in effect it is within the ‘goodwill’ of the business being acquired. Goodwill is an intangible asset of a trading business. The buyer of a business is often willing to pay for the “good name” of the business in addition to the value of its assets. Clearly, if the lessee has not paid the rent, then being in default at the bank is also likely. The good name of the business will also have been lost and thus of no real value. It is for this reason thank banks are reluctant to lend against a ‘goodwill’ value.
Consequently, the bank will consider this type of lending to be unsecured and thus rather than commercial mortgage finance it will be treated as a Business Loan.
Lenders are unlikely to provide any significant funding on an unsecured basis and thus in the absence of any alternative security, they will look for a very high deposit. Although there is no hard and fast rule most banks will be uncomfortable with lending more than £25-30,000 unsecured and many will do far less than this. Read more
The Growing Search for Capital
Working as a consultant for new and upcoming businesses, I often hear, almost every day, really, just how annoying it is to deal with commercial banks nowadays. Just the other week I had a meeting with a business owner whose business is commercial lighting, and they’ve been building their business and increasing their companies sales for more than twelve years. His company has experienced excellent growth, has fantastic profit trends, an awesome marketing plan for this year, and has a positive cash flow.
In addition to his financials being in such a good place, his marketing and business plan are very well written and quite polished. Sadly, the most annoying thing for him (and a million other business owners), is that he can’t get his banker to call him back. He chose a banker and turned in a loan package to him, and this banker won’t even give him a simple phone call back. Ever. He is stringing this entrepreneur out and making him ponder whether or not they’ll actually come through for him by giving him the line of credit he’ll need to execute his marketing plan. Read more
Bumblebee Transformer Costume Facts and Info
I was persuaded that I should explain the background to the transformers toys as many Mums and Fathers are being asked by their kids to make or buy a transformers - bumblebee costume for them to wear as an example, this Halloween.
In this post we shall concentrate on the Bumblebee transformer which is the littlest among the Transformers but he is most connected to mortal men and women. He is legendary for his compassion, bravado, and trustworthiness. Bumblebee is the most adored by many machine persona in the movie. These features should be translated into the bumblebee transformer costume.
In the film Bumblebee is allotted to guard Sam from the Decepticons, and poses as a ruined 1976 Chevrolet Camaro as Sam and his father are buying an auto for Sam. They finally purchase Bumblebee, due in no little part to Bumblebee damaging every other car at the dealer to ensure his purchase.
Bumblebee is one of the most well liked Autobots in the movie series. Bumblebee is the littlest among the Transformers but he’s’s most attached to humans. Bumblebee is established as. Bumblebee is vibrant, and the theme is customizable with the front icons.
His visual capability is incredible, as he will spot a 10′ x 10′, object at a distance of 48 miles on a clear day. Read more
NO PURCHASE NO INVESTMENT NON-PROFIT FUNDRAISING PROGRAM by TAMPOGO-FUNDRAISER
In tough economic times like these, everyone is looking to save money, never mind the fact that non-profit organizations are finding the same issues trying to save money, never mind raise money for their cause.
Whenever times get tough, what do most people look to do, save money, and in most cases, earn more money for their families. In times where millions are losing their jobs and millions more fearing they will also lose their jobs, more and more families are forced to become dual income households.
With free time a luxury in hard times, less people have time to volunteer for their favorite non-profit organization, school or church charity. With this a universal problem nationwide, there are few options available as even donors pull back on their donations and purchases promoted as fundraisers.
Since everyone is looking to save money, as well as earn an extra income, TamPogo has the right solution at the right time. Not only will donors be able to save money on what they are already purchasing elsewhere, but in doing so, they will naturally want to share their savings with others, so your next fundraiser will be viral, growing based on savings, not having to purchase overpriced cookie dough, candy or wrapping paper. Read more
Financing a Start-Up or Growing Small Business
Financing Strategies
There are several alternative strategies used by business owners (often more than one is used). The attraction and viability of different methods will depend on the individual circumstances, such as the type of business, the owner’s history and financial standing, the business vision and expectations among them.
- Bootstrapping & Personal finance or lower level debt
- Operational funding and debt (usually shorter term in nature)
- Longer term debt (usually used for acquisition of larger assets)
- External equity
Bootstrapping & Personal Finance
This is a way to finance the business without substantial borrowings or external equity. As such it also incorporates a substantial proportion of personal finance and lower level debt. Many successful companies including Dell Computers were started this way.
The most common form of bootstrapping is owner financing – the use of personal savings and credit cards as well as re-investing any profits back into the company. Family loans are also common to help get the business started.
Cash flow management by delayed payments of accounts payable while collecting from customers as quickly as possible is also a commonly used strategy. Some tactics include discounts for cash payments and use of debt collection agencies. Read more
The Revolutionary New Fundraiser For Organizations, Raise Money and Get Donations by Shopping Online!
What is Trifunds?
Trifunds is the new generation of fundraising, most sell cookies, popcorn, or other things that are totally overpriced and normally worthless. Now there is an easier way to make money, shop online for cheaper things you can actually use! You can also complete free offers, both raise money for your organization.
What is revolutionary?
They have discovered people are more willing to donate if they receive something in return. Like when you buy popcorn or Girl Scout cookies, you’re getting something for your donation. The company’s purpose is to raise organizations money, I believe their “Trifunds sites” will help organizations all over the world get the money they need to operate and achieve their goals, even if you have another fundraiser, a Trifunds site will increase your donations. Read more
Exchange traded funds
Sick of picking stocks? Here’s a way that’s gaining in popularity.
It’s a difficult time to be stock picking at the moment so many retail and professional investors are turning to buying into exchange traded funds, or ETFs.
I have family and friends who want to invest in the sharemarket but don’t have the expertise to stock pick or don’t have the time or inclination. So if you want exposure to the Australian sharemarket or even the US market without spending the time to pick individual companies, there is a way to do it and that’s through ETFs.
Low fees
ETFs first caught my eye years ago due to the low fee structure compared to an actively managed fund. This is because most ETFs involve simply replicating an index. Since you don’t need many money managers to follow an index, fees are cheap. Recently, I’ve noticed that part of gold prices rising has been the record holdings in physical gold due to ETFs buying. ETFs actually hold the underlying asset. Read more
Trading penny stocks facts
Trading penny stocks is you can work from home or from anywhere that has a internet connection. All you need is a computer( i use a laptop), a internet connection, a on-line broker and some money to start. The people that i see that make the really big money in penny stocks have a considerable amount of money that they are trading with. These stocks are so volatile the only way to play them is trade them. When you start with a small amount of money in your trading account, it is very easy to get wiped out to nothing. After getting wiped out but seeing that penny stocks have the very real potential of making millions i started looking for a way to generate a large amount of money to trade with. I found an online marketing business that i am using to create the trading capital i need. It is a perfect complement to trading penny stocks as it gives me the liquidity i need to trade penny stocks.
The whole point is to be able to buy quickly if you think that a stock is about to rise. T sell quickly, as well, when the market seems to have to have peaked for your penny stocks, so that you can maximize your profit and sell before the market starts to fall. If you keep a portion of your assets as liquid in your stock broking account, then you have the flexibility to move quickly as the market conditions dictate. A penny stocks trader without the ability to move quickly is likely to be missing out on many lucrative trades. By keeping around a third of your investment fund as cash allows you to buy into a rising market without having to rush into selling any penny stocks that may be under performing at that time. That way you get to benefit from the rising penny stocks but can also hold onto the non performing or flat ones until they start to rise or you have decided that you need to cut your loses and get rid of them. Either way the point is that you are not rushed into a decision and can decide based on research and rationality, rather than a need for quick cash to fund your next investment. The ability to move quickly in response to rapidly rising penny stocks can greatly affect your potential for profits in this most volatile of the financial markets. Keeping a portion of your penny stocks fund liquid will help you to achieve profitability and make the success of your investing venture into the world of penny stocks trading more likely to be a profitable one.
00, and ideally, stick to the $4 to $7 range for optimum results. Read more
Ideas to Raise Money for Charities, Non-profits and Schools
Discover some unique ideas to raise money for charities, non-profits, and schools.
In the current economy, raising money is becoming more and more difficult. Aside from not having the funds to start a fundraiser or to hold a fundraising event, it is more difficult than ever to convince people to donate money—after all, people need to watch their finances more now than ever before.
However, if you’re looking to generate ideas to raise money, there are plenty of ways for you to come up with ideas and start using services that are free and that don’t ask anyone to buy anything different or do anything different than they normally would.
And they’re all right at your fingertips—through the internet. And there are plenty of advantages to using online ideas to raise money, including:
- Online fundraising programs are usually free to sign up. Online fundraising programs are different than standard fundraising programs because you don’t have to give anything back, pay based on what you sell or purchase inventory to sell. You sign up, tell your friends about it and watch the money roll in.
- Online fundraising programs have a wide reach. Whenever you do something on the internet, you can expect to reach thousands or hundreds of thousands more people than you would with a traditional fundraiser because the web is open to the entire world.
- Online fundraising programs don’t require you to hit the streets. You don’t have to feel like a used car salesman knocking on people’s doors with online fundraising. Simply send a mailer or place door hangers to get the word out. Better yet, follow the trend and send email invitations. Read more
Pokagon Fund gives out $89,109 in grants
November 17, 2009 · Filed Under Fundraising · Comments OffNEW BUFFALO - The Pokagon Fund in September and October gave $89,109 in grants to 12 projects.
The fund supports health, human services, art, education, recreation and the environment.
The fund is a private foundation that has been supported for the last two years by 2 percent of the electronic gaming revenue from the Four Winds Casino in New Buffalo Township.
The awards were:
– St. Mary of the Lake’s Kaleidoscope Preschool, new playground equipment and low-income scholarships, $15,000;
– Southold Dance Theatre’s Dec. 5 production of “The Nutcracker” at the New Buffalo Performing Arts Center, $14,979; Read more