Different Types of Loan For Low Cost Business Start Ups

Are you planning to establish your own business enterprise? Looking for some low cost business ideas? If yes then consult business experts to make healthy decisions. Business establishment requires money for carrying out day to day expenses. The statement is absolutely true that you need money to make money. Finance is the basic need for starting any new activity. In an organization, it plays a very vital role. If we talk about finance, there are two main terms such as shares and debentures. Shares come under equity whereas debentures are covered under debt. Both are long term sources of raising finance. Also there are short term sources such as loans and many others.

Low cost business start ups include business loans. Getting an appropriate loan quote has gained vital importance. Searching for suitable business loan quote is very essential for any business person whether small or big as it reduces the overall cost of the business. It also helps in developing necessary resources for further requirements. Business loan quote helps in starting a new business, expanding the well settled business, paying off different expenses or even buying raw material. Business loans are mainly of two types such as secured and unsecured. Let us discuss them in detail:

Secured loans: Loans which are taken against any collateral security such as property and other things. This way the loan is well secured. There are many benefits of secured business loan quote such as high loan amount, low interest rate and other simple terms and conditions. Once you have decided to opt for secured business loan quote then you can easily avail the large amount of loan money. Collateral security plays deciding role in the matter of loan amount. Higher collateral equity enables business organizations in getting greater amount of loan. Under secured loan quote, interest rate remains low as compared to unsecured loan quote. The time period of repayment of secured business loan quote is between 5 to 30 years.

Unsecured loans: Loans which are not secured against any collateral property are termed as unsecured business loan quotes. Those business persons who do not want to risk their property can opt for unsecured business loan quote. The amount of loan is comparatively less than the amount of secured loans. Under this quote option borrowers need to give proof of their sound financial condition. For granting the loan they should show their income sources, financial statements, balance sheets, financial assets and many more. The rate of interest is also very high under unsecured loan quotes.

There are many alternatives available for you to acquire business loan quotes. It is advisable to apply from online mode. You can apply online for acquiring business loan quotes as it offers large number of benefits and loan packages at very low cost. Apply for the loan offer that suits your budget and financial needs. Go for low interest rate loan quotes. Before selecting the one compare other terms and conditions also. In case of bad credit, try to pay off the loan on time.

Some Useful Tips to Start Home Based Business

Life can be simple and sweet for you, your family as well as for your future. A Home Based Business is a new business model which can transform your home into your office. This means that you can simply opt for a business and its program that you like and share with the individuals whom you already know.

A home based revenue business gives you an opportunity to work as your own boss. It even offers you a chance to cash your hobby. You can enjoy the hard work while sitting at home. Working from home avoids the stress and tensions of the employment. It even helps you to save the expenses on transportation. You even enjoy the flexibility of timings and working schedule. Here you have a chance to do your work whenever you get time. You act like your own boss and complete as much work as you like. You can set your personal deadlines according to yourself. As you stay at home so you can easily look after your family and maintain a perfect balance between your personal as well as professional life.

If you are thinking to start home based business then you must consider a business plan in mind. It should be something that you are well aware of. Your business plan should outline the ways of making money through business. A detailed business plan is the best way to start your business as it will assist you at each step. So planning is the foremost step to start a home based business. The next important criterion to consider is the financial structure of the business. You should know how much you need to spend to establish your business. Consider the work force required in business and how will you pay to your employees.

Consider the plans beforehand that how will you grow your business. You really need to think and plan accordingly the steps that are required to expand your business in near future. Whenever you start home based business it is essential that you thoroughly research all the legal issues that are involved. The law varies according to the state but every state requires getting a business license and a seller’s permit. Make sure that you fulfill all the licensing requirements to avoid undue hassles.

Take time to network and advertise your business. If you are working at home that does not mean you don’t require business contacts. You must schedule meetings outside your work area to get away and meet others in your field. This will help you greatly to expand your business. You must showcase your knowledge about your product to others. You can write online articles and add your contact information in them. You can even search for various seminars where you can participate and make people aware. By doing this you are building a good reputation of your home business.

Home business is the perfect idea. Here start up costs can be minimal while the after potential is certainly great. Your time and initial efforts are the greatest investment that you will enjoy afterwards. Following these tips will increase your productivity and will help you in achieving great profits.

Virtuous Retail Retail Therapy all Over India

India’s growing demographic strengths has boosted organised retail; and the industry is expanding at a rapid pace.

But the dynamics of this segment are different from that of residential properties. The success of a mall depends on factors like location, design, anchor tenants and good tenant mix. This is where Virtuous Retail stands in good stead. With specialized know-how in creating high-performance lifestyle centres, Virtuous Retail not only offers premium commercial space but complements it with intelligent tenant relationship management. It is the only institutionally owned, developer-operator of lifestyle destinations, it has a pan-India footprint.

Virtuous Retail is currently developing world-class lifestyle centres; the flagship VR Bengaluru and Arena. Virtuous Retail offers premium retail space for lease in Bengaluru, which boasts of one of India’s fastest retail growth figures. Retail therapy takes on a whole new meaning with the advent of the ritzy VR Bengaluru. This awe-inspiring structure spans 1.5 million square feet; and features over 200 luxury and super-premium retail, entertainment and F&B outlets. Located in the heart of the buzzing Whitefield, VR Bengaluru houses top-notch commercial spaces, contemporary offices and a hotel in addition to shopping. The rooftop houses a Sky Deck, a multi-activity venue that is a wellness centre by day and a leisure hub by night.

Premium retail space for rent in Mumbai is hard to come by in a city that enjoys a mature consumer market, but is bursting at the seams. The Boulevard by Virtuous Retail is located in the swanky suburb of Juhu, the only destination in an 8-kilometer radius. Boulevard offers 8, 50, 000 square feet of luxury, premium and high street shopping; with 7,00, 000 square feet for residential development. 6, 00, 000 square feet of space is earmarked to house a high-end sports club, hotel, and banquet space. These are separate blocks connected via boulevards for retail, F&B, and outdoor events.

The retail market in Kolkata is different and an interesting one. India’s third most populous city is an eclectic mix of the traditional and the modern; and is growing by leaps and bounds. In fact, the household expenditure in Kolkata was found to be INR 1,822 per person per month on average, which is much higher compared to other metros. Naturally demand for upscale retail space for rent in Kolkata is rising. Epicentre in New Town, a joint venture of Virtuous Retail, offers a whopping 2,300,000 square feet of leasable space. This ten level mixed-use lifestyle centre is set to house 7, 00,000 square feet of retail space; along with a star hotel and upmarket residences.

Like any other real estate investments, it is important that any retail real estate investment is backed by a proven track record. Virtuous Retail’s expertise includes the entire gamut of research, planning, design, development, leasing, marketing, operations, and regulatory compliance.

Source At: http://bit.ly/1GgM464

Business Brokers In Philadelphia

Philadelphia, the 6th largest metropolitan area in the United States is home to around 6 million people. Not far from other top metropolitan areas in the US such as Boston, New York and Washington DC Baltimore, the north east is clearly the most populated area in the US. With over 116,000 businesses, Philadelphia is an extremely large market with a great deal of commerce including a lot of business transactions.

One of the businesses that operate in Philadelphia is A Neumann and Associates LLC. As a Philadelphia Business Broker, A Neumann and Associates specializes in assisting business buyers and sellers during business transactions. Their service starts long before the sale or purchase however, and it always starts with the number one priority which is Confidentiality.

As a leading Philadelphia Business Broker, A Neumann and Associates has built a reputation on expertise, tremendous track record and exceptional service that has lead to many happy clients and many incredible testimonials. They begin their service long before the purchase or sale and often extend their service long after. For instance, a business seller needs a certified business valuation from a third party expert in, A Neumann and Associates has been involved in thousands of business valuations.

There many reasons why business owners need a certified business valuation, and they are required if they wish to justify their asking price, have buyers take them serious and ultimately sell their business. On average, entrepreneurs only experience one business transaction in their life. With this lack of business transaction experience, major mistakes can occur without proper representation. This is what A Neumann and Associates specializes in, not only mitigating the risk of mistakes, but obtaining the best possible result for their client and doing so much faster than the average business transaction. There are just a few reasons why they are highly respected as a Philadelphia Business Broker.

For business sellers, they also have to prepare up front. No offer will be taken serious by a business seller without justification of their offer price and proof that they have the financial ability to close on the transaction. A Neumann and Associates prepares buyers in order to have a strong offer that will be taken serious by the buyer and assists with obtaining financing if necessary to close the transaction. These upfront steps are crucial for business buyers just like the upfront steps are critical for business sellers.

As an experienced Philadelphia Business Broker, A Neumann and Associates hold many events and speaking engagements. Topics include what is your business worth, current market trends, best practices and mistakes to avoid as a business owner, buyer or seller, etc. They have write ups frequently in the press communicating helpful advice and expertise to business owners all over the tri-state area. With over 25 years of business transaction experience, 450 nationwide offices and thousands of business valuations and owners serviced, A Neumann and Associates LLC is a leading Philadelphia.

A.N.A New York City Business Broker

New York City, the largest metropolitan area in the United States and home to over 22 million people in the greater area is also the largest commerce center. Based on Census, New York City is home to almost 2 million businesses. It is no surprise that business transactions are common and so is the importance of a New York City Business Broker.

Most business owners only experience one business transaction in their lifetime. Also, most business owner’s have not thought about an exit strategy for their business. Without a plan and without business transaction experience, there are huge mistakes that can be extremely costly and life altering that must be avoided. So what is the solution?

Proper representation by an experienced and reputable firm is the solution. If you are seeking a York City Business , then look no further than A Neumann and Associates. With over 25 years of Mergers and Acquisitions experience and involved in thousands of business valuations, they will assist you from before to often well after a business transaction.

It all starts with confidentiality. This is a critical component of the process to keep everything completely confidential. The next step is a certified business valuation by a third party. It must be a third party to be objective, a business valuation obtained by a party representing the buyer or seller creates a conflict of interest and the valuation may come in high or low. Buyers will not even take a seller serious unless they have a third party certified business valuation. It also justifies the asking price, helps the buyer secure financing and has many additional benefits. 

Many business owners obtain business valuations years in advance, almost like a business scorecard or snapshot of their current standing in the industry and use the information to improve the value and salability of their business. Savvy business owners use the analysis of value drivers in the business valuation to significantly improve their standing in the industry. Value drivers impact not only the value, but salability of a business. Improvements on value drivers and minimizing negative value drivers instill comfort and confidence in business buyers that the business will sustain and even improve operations, profit and value going forward.

Most businesses without proper representation from an expert New York Business will not sell. And if they do, they are often leaving a lot of money on the table, agreeing to non-favorable terms, paying way too much in taxes, etc. A Neumann and Associates offers free confidential consultations to review your current standing, future plans and goals. Structuring the deal properly is critical to meeting goals and since business owner’s usually only sell one business, they can’t afford to make mistakes.

As a leading business broker firm in the New York City and tri-state area, A Neumann and associates has built it’s reputation on excellent customer service. Their testimonials from happy clients speak volumes about their expertise, professionalism and a New York City business brokers firm that you can trust.

Virtuous Retail Boosting Growth

According to the Indian Council for Research on International Economic Relations (ICRIER), India is the seventh-largest retail market in the world. No doubt that luxury retail is not just here to stay, but is the future of modern Indian economy.

The organized Indian retail sector has developed exponentially due to globalisation, high economic growth, changing consumer preferences. Even Tier II towns have witnessed have thus emerged as attractive markets for premium retail shopping outlets and superb retail spaces.
Virtuous Retail, an offshoot of global investment firm Xander Group, specializes in Retail Management and Leasing, Tenant Relationship Management, and neighbourhood shopping centres. The company currently has around 8 luxury shopping malls in various stages of construction in Pune, Mumbai, Bengaluru, Kolkata and Udaipur, which will be given to luxury brands as retail space on lease.

The company’s flagship mall is in Surat; a total of 6,00,000 square feet of luxury retail spaces. VR Surat celebrated its first anniversary last year, and is drawing customers in large throngs. It is the largest shopping centre in Surat – 3 storeys high and 45,000 square feet of open area. 90 per cent of the total retail space for lease has been booked by 11 renowned anchor stores, 2 mid-sized units and 78 inline stores. This contemporary, premium lifestyle retail centre has already won an award for the ‘Most Admired Shopping Center Launch’ award at the Indian Shopping Centre Awards 2014.

In Pune, another fast-growing tier II city, Virtuous Retail is currently developing “My Mall.” The Pune mall is spread over 17 levels including 3 basements. A mixed-use format, My Mall also houses the upmarket Marriott Hotel within its premises. The Epicentre at Kolkata too, is a mixed-format project where the mall houses Grade A residential premises as well as a star hotel. Both the malls are expected to launch in 2016. The opulent retail shopping outlet in Bengaluru, VR Bengaluru promises to be an ‘it’ destination with luxury and premium retail brands and even a microbrewery. What sets it apart is that this 1-million square feet mall, which will be operational in 2015, will have a dedicated 50,000 square feet plug-and-play workspace for bootstrapped entrepreneurs. The Boulevard in Mumbai is spread over 16 floors and houses a high-end sports club, hotel and banquets, top-class luxurious residential units.

It is not just enough to built swanky malls and rent out commercial space on lease; the success also depends largely on the brand mix and primary market. Virtuous Retail is also a specialist in the niche field of Tenant Relationship Management, which plays a crucial role in anchoring the mall’s success.

Today, mall management and marketing is not just retail space for rent, but all about Consumer experience design- where the overall experience of the consumer plays an important part in the buying process. Virtual Retail has not just mastered the art, but has perfected it.

For more info visit: http://www.virtuousretail.com/

Virtuous Retail mapping the future

The demand for quality retail shopping outlets is increasing at a steady pace. This phenomenon is already evident in the metropolitan cities; Tier II and Tier III towns are also witnessing a demand for superior shopping experience and retail spaces. Swanky lifestyle malls and luxury retail brands replace traditional mom and pop stores. Experts are of the opinion that Indian lifestyle retail is set to grow faster than the growth of India’s GDP (Gross Domestic Product).

Rentals are one of the major cost overheads for retail companies. A major shift from the property-selling model to a leasing-and revenue-sharing model has been perceived in recent years. Virtuous Retail Services Pvt. Ltd. is a company that specializes is the development of retail space for lease. Its portfolio includes lifestyle centers, neighborhood shopping centres, and luxury retail centres. Virtuous Retail owns premium retail space for rent in India’s top cities – Bengaluru, Chennai, Mumbai, Pune, Surat and Kolkata. Virtuous Retail works in a developer-operator role. It develops urban social and commercial hubs (mall and shopping centres) and then manages the day-to-day operations of the mall. Global expertise is smartly fused with local data to create high performance prime commercial hubs, attractive to national and international retail players. This has made Virtuous one of the leading institutions in retail management and leasing.

Nowadays, apart from leasing space, promotion and marketing has also become crucial. According to Govind Shirkhande, CEO, Shoppers Stop’s, “With the revenue-sharing model, it has become important that tenant and owner both have a transparent business relation. This is the reason that specialized contracts are becoming popular.” Thus Virtuous Retail, in addition to its developer and operator role, also offers specialized services like consumer experience design and tenant relationship management. Consumer experience design is nothing but experiential marketing – the practice designing promotions and services with a focus on the quality of the customer’s experience. In today’s challenging scenario, it is not enough to make ensure 100% retail space on lease. The right mix of tenants adds stability; tenant relations and retention is a key component in mall management. Tenant relationship management today has evolved into a specialized field where dedicated managers are focused on developing mutual trust and smooth operational flows between the mall tenant and mall owner.

Backed by extensive research, Virtuous Retail is currently developing 8 large-format retail shopping centers in Surat, Bangalore, Pune, Chennai, Mumbai and Kolkata and Jaipur and Udaipur are on the anvil. The company is looking at outright purchase or commercial space on lease for these projects. With the backing of The Xander Group Inc., a leading emerging markets investment firm, Virtuous Retail is on the path to map India’s retail future.

For more info visit websites: http://www.virtuousretail.com/

A. Neumann & Associates, LLC Business Valuations In Pennsylvania

Is your business worth 3X sales? Or 2.5X EBITDA? Or what about 2X gross or assets plus one year of sales? The fact is, a single ratio is always wrong! For accurate business valuation Pennsylvania, there are many factors to consider. Still, many business owners make the mistake of using a single ratio which can lead to leaving money on the table after a sale or they value the business to high it will not sell.

A Neumann and Associates with 25 years of experience is a reputation firm that can assist with business valuations Pennsylvania. 3 operations are evaluated during a business valuation, a review of comparative values in SIC Code, review of markets and competitors and weight assets, cash flow and market transaction. Only a certified business valuation from a third party can come up with a true fair market value.

A couple things are critical when obtaining a business valuation in Pennsylvania. First, confidentiality is of upmost importance. Next, it must be a certified business valuation and it must be conducted by a third party. A valuation performed by a party representing the buyer or seller will not be seen as objective or taken serious by the other side in a transaction. Only a third party can provide an objective and accurate true market value.

Now, there are some different methods to determine fair market value. You have an asset based approach using book value and good will. There is also the income based approach which uses the capitalization method and excess earnings. And you also have the market based approach using revenue, discretionary cash flow and normalized EBITDA.

So what drives value in a business valuation Pennsylvania? There are many value drivers, here are a handful: Profitability, consistency of growth, diverse customer base, management information systems, accurate P&L reporting system and attractive facility are all value drivers.

A common questions, is when should a business owner obtain a business valuation? For a business owner looking to sell, a certified business valuation is critical to obtain up front. The requirements for a valuation are 3 years of records, approximate asset listing, a mental summation of benefites and 1.5 hours of uninterrupted time at an offsite location to preserve confidentiality. 

Why is a valuation so important? The buyer will take you serious first. There will be justification for the asking price and the valuation will aid in the buyer obtaining financing. The business valuation Pennsylvania also provides a lot of pre-offer due diligence. Additionally, a valuation is less than 0.5% of a business transaction and reduces potential of seller’s remorse. 

It is estimated that 50% of 7 million business owners will sell in the next 15 years. Of these, 80% are not sold due to poor representation. 75% of business owners actually have no idea how they will exit from their business and most are universally wrong about the value or salability of their business.

A Neumann and Associates Business Broker in New York

As one of the world’s largest commerce centers, New York has a wide variety of international businesses. With Wall Street, Manhattan, the five Burroughs and the surrounding metro area, it is often listed as high as 27 million people. It is also one of the more expensive areas to live not only in the United States but in the entire world. For business owners planning an exit strategy for the New York Business, it is critical to have proper representation. Especially those planning to retire in New York with the high cost of living. It is crucial to have an experienced and respected New York City Business Broker.
Most business owners only experience one business transaction in their entire life. They start a business or maybe inherit a business and lack business transaction experience when they begin to plan their exit. In fact, most business owners have no exit strategy at all. There are some major mistakes that can occur from a poor exit strategy. Business sellers can leave a lot of money on the table, pay way too much in taxes, agree to less than appealing terms and really inhibit themselves from specific goals when selling a business. This is where representation by A Neumann and Associates, experienced and respected New York Business Brokers can be critical.
As a New York Business Broker, A Neumann and Associates can assist from the before the beginning to after the end of a business transaction. First and foremost, confidentiality is a priority. Even well before a business owner decides to sell, they should engage with a business broker. Assessing the current market environment, looking at where the business is at, valuing the worth of the business, assessing strength and weaknesses that can be improved to drive value, etc is a result of engaging with an expert New York Business Broker such as A Neumann and Associates. As a premier New York Business Broker firm, the process starts well before the sale.
After a free confidential consultation, preliminary steps that will eventually form a winning exit strategy begin to take place. A business valuation ahead of time is critical in the process. It not only shows buyers that you are serious but it will evaluate your business on many factors that can become really informative on how to make adjustments and improvements to achieve a higher sales price, more buyer interest and possibly a multiple offer situation. Business valuations also help the buyer secure financing, help determine asking price and reduce the risk of costly mistakes during the business transaction.
A Neumann and Associates assists buyers and sellers every step of the way. With 25 years of industry experience, transaction experience in all kinds of industries and offices nationwide, they have become one of the most well respected New York Business Broker firms in the tri-state area. If you are a business owner in the New York or tri-state area and have questions about the current market, value of your business, curious about where you stand or are interested in a business transaction be it purchase or sale of a business then look no further. A Neumann and Associates offers a free confidential consultation to assist you with all your needs.

A Makeover for Retail Stores

The Indian retail market is the only industry that keeps the consumer sentiment up even when the economy sees a downturn. The retailer in India never faces a drought in terms of buying. The only thing that stops the growth is rising realty cost and shrinking spaces which curbs the retailers to open larger and more retail stores at a fast pace. The brands are feeling the pinch but a strategized movement in various markets will help them grow better.

The problem area: Growing number of brands, coming up of malls, realty laws becoming stringent and space becoming costly, all these contribute into calling for a problem for retailers in India. The retailers, who looking at the growing spending power and aspirations among Indian consumers, want to grow their presence in the Indian market rapidly, but with rising realty costs they are unable to reach their target consumers. The store sizes have shrunk. Recently we saw all the big names in the retail sector who run large size stores have sought to shrink the size of the stores due to high operational costs and rentals.
The brands who want to penetrate further in markets have now curbed their plans and are planning to grow in a slower manner, which also puts down their target sales and further growth.

What needs to be done: The retailers in India will now have to work towards creating stores which offer value for space. Incorporating more workable equipments which also help in creating a clutter free store, will help them get more value from each square feet they rent, buy or lease. The visual merchandising will play a critical role along with limited inventories so that there are no stock ups at the store. Also a better understanding of markets the retailers want to move into will help them design the stores accordingly.

E-retail: a better prospect: What can also be the next big thing is the growth of e-retail. With space becoming constraint and the operational costs becoming high in terms of maintaining retail stores, e-retail has come across as a better alternative which not only eases the shopping experience for consumers but also lets retailers to sell better with lower operational costs. Today almost all big retailers in the country have their e-retail segment as well. This helps them reach consumers which they still have not touched upon. The internet penetration in India is growing and for people who have less access to brands through physical stores, e-retail proves to be a boon for them.