Avail Ready Finance For Business Through Quick Commercial Loans

Business people always require finance either for starting a new venture or for expanding the older one. The finance must come to them easy and quick. Considering their urgent requirements, loan product quick commercial loans has been specifically designed. Business people can utilize quick commercial loans for making investments in infrastructure, buying products and services, starting new project or expanding the established one.

Business people are required to furnish some details of their business before the quick commercial loans deal takes place. They are supposed to give audited financial statement of last 3 years in case of starting a new business. For expanding the business, lenders may ask business financial statements, balance and profit-loss statements. Lenders would like details of owners, partners and stockholders of the business as well.

Business persons can avail quick commercial loans either in secured or unsecured form. To take secured quick commercial loans, also called commercial mortgages, borrowers should place commercial property with the lender as collateral. With the loan secured, lenders provide business people quick commercial loans anywhere in the range of £50,000 to £50,000,000. Larger loan will depend on the higher equity in the collateral.

Because of the secured nature of the loan, interest rate remains lower on quick commercial loans which infect can be brought down once the borrower compares different loan packages. The interest rate comes in variable and fixed options. Under fixed rate, interest rate and monthly installments amount are predetermined and borrowers know how much they have to pay and thus they can plan the loan. The interest rate in variable option can change any time according to the market and borrower may be paying higher rate if it goes up.

There is a larger and comfortable repayment period of 12 to 25 years to the borrowers in case of secured quick commercial loans. The loan amount and repayment duration, however, should be chosen carefully keeping one’s financial capacity in mind.

For availing unsecured quick commercial loans, borrowers should produce concrete proof of their repayment capacity and business profile. Credit score of these borrowers counts a lot in settling the loan deal.

Even if you are labeled as bad credit, availing quick commercial loans should be no problem provided you have a plan of loan repayment laid down before the lender to win his confidence. Make efforts to take your credit score closure to acceptable level of 720 in FICCO scale which ranges from 300 to 850. A credit score of 580 and below is considered as bad credit. Have your credit report checked and make it error free and also pay off your easy debts to show improvements in credit score.

Apply for quick commercial loans online as this way, out of numerous loan offers; you can pick up the one having lower interest rate.

Quick commercial loans become an instrument of sound financial health for business people if a lot of thought goes into availing it. Be particular in paying monthly installments at due date.

It’s One Thing for People to Buy Your Product or Service, but It’s Another for Them to Tattoo Your

William Harley and Arthur Davidson, both in their early twenties, built their first motorcycle in 1903. During their first year, the company’s entire output was only 1 motorbike; however, by 1910, the company had sold 3,200. Movies such as Easy Rider made Harleys a cultural icon and soon the company attracted people who loved its bad-boy mystique, powerfulness, rumbling voice, distinctive roar, and toughness. It sounded like nothing else on the road, and even Elvis Presley and Steve McQueen longed to ride one.The Harley-Davidson Motor Company has had its ups and downs, and at times, the downs seemed as if they would end in bankruptcy. In the sixties, Honda, Kawasaki, and Yamaha invaded the American market, and when sales at Harley-Davidson dropped drastically due to decreasing quality and increasing competition, the company began to look for buyers and was finally sold. However, the new owners of Harley Davidson knew little about how to restore profitability. The quality became so bad that dealers had to place cardboard under bikes in the showroom to absorb the oil leaking.Daniel Gross, in Forbes Greatest Business Stories of all Times, recounts how in 1981, with the aid of Citibank, a team of former Harley-Davidson executives began negotiations to reacquire the company and rescue it from bankruptcy. Among these executives was William Davidson, the grandson of the founder Arthur Davidson. In a classic leveraged buyout, they pooled $1 million in equity and borrowed $80 million from a consortium of banks lead by Citibank.Harley’s rescue team of loyal executives knew that the Japanese motorbike manufacturers were far ahead in regard to quality management, and they made a bold decision to tour a nearby Honda plant. Paradoxically, the Japanese had learned Total Quality Management from the Americans, Edwards Deming and Joseph Juran. The new business concept outlined by these two pioneers was a new management approach that, interestingly enough, had been rejected by American manufacturers. As a result, they offered this approach to Japanese manufactures that were eager to learn and implement it. Therefore, soon after their tour of the Honda plant, the Harley Davidson Motor Company decided to put into practice this originally rejected approach.After implementing just-in-time inventory (JIT) and employee involvement, costs at Harley had dropped significantly; this meant that the company only needed to sell 35,000 bikes instead of 53,000 in order to break even. Their lobbying at Washington also helped, and import tariffs were raised temporarily from 4 to 40 percent on Japanese bikes. This extra breathing space was something that the U.S. motorbike company desperately needed for its recovery.The combination of visiting a Japanese motorbike manufacturing plant and lobbying in Washington for import tariffs was a daring move on behalf of Harley’s executives in their attempt to bring back profitability and growth to the company. Another important strategic move was the company’s unique marketing and branding campaigns. Studies showed that about 75 % of Harley customers made repeat purchases, and executives quickly recognized a pattern that refocused the company’s overall strategy. Simply put, they needed to find a way to appeal to the extraordinary loyalty of customers, which they found in creating a community that valued the experience of riding a Harley more than the product itself.The sponsorship of a “Harley Owners’ Group” has been one of the most creative and innovative strategies that has helped create the experience of this product. Without realizing it, Harley executives had pioneered a new paradigm that would be increasingly embraced by other industries in their quest to increase profitability by converting their product into an experience. The company started to organize rallies to strengthen the relationship between its members, dealers, and employees, while also promoting the Harley experience to potential customers. The Harley Owners’ Groups became immensely popular; it allowed motorcycle owners to feel as if they belonged to one big family. In 1987, there were 73,000 registered members, and Harley now boasts to have no less than 450,000 members.In 1983, the company launched a marketing campaign called SuperRide, which authorized over 600 dealerships to invite people to test-drive Harleys. Over 40,000 potential new customers accepted the invitation, and from then on, many customers were not just buying a motorcycle when they bought a Harley; instead, they were buying “the Harley Experience.”Harley-Davidson offered its customers a free one-year membership to a local riding group, motorcycle publications, private receptions at motorcycle events, insurance, emergency roadside service, rental arrangements on vacation, and a host of other member benefits. Branding the experience, not just the product, has allowed the company to expand how it captures value, including a line of clothing, a parts and accessories business, and Harley-Davidson Visa card.If you were to scan the list of companies that delivered the greatest returns on investment during the 1990s, you would discover Harley-Davidson. Only a few companies have been successful in inventing entirely new business models, or profoundly reinventing existing ones. Harley-Davidson went from supplying motorcycles to antisocial raiders to selling a lifestyle to the aging bad boy wannabes caught in their midlife crises. Traditionally, Harley-Davidson bike owners came from the working and middle classes, but as quality and prices of the bad-boy-bikes rose, and with energetic marketing, the company soon attracted a different class of buyers–currently one third of Harley buyers are professionals or managers, and 60% are college graduates. The new customer segments of Harley are the Rolex Riders or the Rich Urban Bikers. Hell’s Angels do not run in the same group anymore. Now there are groups of accountants, lawyers and doctors. Women also account for a significant portion of the new riders, and there are women-only riders clubs spreading all over the globe.The future looks bright for the U.S. motorbike company. According to The Economist, overall U.S. sales increased over 20% in 2000, and more than 650,000 new motorcycles were sold in the U.S. in the same year, up from 539,000 the year before. Bike buyers spent an estimated $5.45 billion on new bikes in 2000.Stay alert and get it early. The new branding paradigm is to sell a lifestyle, a personality and it is also about appealing to emotions of your customers. Increasingly, it will be more and more about creating an experience around the product. Brand managers and executives will need a new set of lenses. The rules have changed as well as the opportunities to maximize profitability and create value in the process. Nonetheless, the majority of companies continue to follow traditional ad campaigns and they seem to ignore the fact that the media has fragmented into hundreds of cable channels, thousands of magazine titles and millions of Internet pages.Consumers are no longer sitting ducks for commercials; they are looking for new experiences. Whether it is the bad-boy-aura of the Harley riding experience, the exquisite coffee experience in Starbucks cafés, or the active participation in Net communities, more and more companies will need to follow these early new branding pioneers. They will need to look into the dynamics of their relationships with customers and the nature of their interaction. They will need to ask themselves some serious “out-of-the-box” questions if they want to move with the shifting value that is the result of constantly changing market conditions.Branding has changed and so have marketing and advertising campaigns. New variability, heterogeneity where there was once homogeneity, newly emerging stratifications of wealth, new preferences, and new life styles are all characteristics of the 21st century customer that are here to stay. We better get used to it, at lease until the next paradigm is discovered. Remember, the companies that are creating new wealth are not just getting better; they are becoming different–mind-bogglingly different!Bibliography:Barker, Joel. Paradigms. Harper Business, 1993.Bedbury, Scott. A New Brand World: Eight Principles for Achieving Brand Leadership in the 21st Century, Viking Press, 2002.Gross, Daniel: Forbes Greatest Business Stories of All Time, John Wiley & Sons, 1997.Hamel, Gary. “Innovation Now,” in Fast Company
(http://www.fastcompany.com/online/65/innovation.html), December 2002Kotter, John P., Leading Change, Harvard Business School Press, 1996, pp. 4 – 14.Teerlink, Rich, and Ozley, Lee: More Than a Motorcycle: The Leadership Journey at Harley-Davidson, Harvard Business School Press, 2000.
Young, James Webb. Technique for Producing Ideas, McGraw-Hill, p. 14.

How to Earn $100 a Day Selling Your Own Products (With 100% Free Traffic)

Who else would love to sell their own products, but doesn’t know where to begin? Maybe you’ve already created something you’d like to sell… but aren’t 100% sure how to go about promoting it? Or maybe you think you need to have a big budget set aside for PPC, or Facebook ads, to generate your first sales? Or maybe… if you’re like most folks who have PASSION but no profit, you simply need a step by step system for building something you can use to launch your business from scratch? In this article we are going to take a quick and easy look at a simple approach anyone can use to launch an information business out of “thin air” and quite literally, be earning $100 a day in under a month to boot. Curious to know more? Let’s take a closer look below.

Filed Under: Selling Your First Product with Free Traffic

I call this approach the Strategy of Straight Lines, and it works like this:

You need articles (like this one)
You need a landing page to collect names and email addresses
You need an email auto-responder
You need a product (or service) to sell
That’s all there is to it, and the above… outside of the actual product, can be set up and done in 60 MINUTES or less.

Your articles send readers who want to know more to your squeeze page, where you give something away for free (maybe a short audio, or the first chapter of your ebook).

Your email sequence starts a 7-10 day follow up process that “soft sells” your ebook, audio program or coaching process.

I call this the Strategy of Straight Lines, simply because it’s a very linear marketing model, and facilitates a conversation (and connection) between YOU and your ideal audience… in an intimate way (via email).

Every day, you collect more names.

Every day, your email sequence goes out… and every day your relationship, and rapport with your readership grows.

Will some people opt out, or unsubscribe from your sequence?

Absolutely – and this is totally fine, to be expected and impossible to avoid.

Not everyone is your ideal audience, client or customer… and you aren’t everyone’s ideal solution.

The key is to connect with YOUR community, and to create products, services and CONTENT that connects, contributes and demonstrates your passion, expertise and willingness to help.

How do you earn $100 a day with this model?

Very simple. The IDEAL scenario is to have a service related offer, preferably coaching or one on one interaction, that can be priced at a multiple of 3 and a half times what you want your daily earning to be.

If you want to earn $100 a day – I recommend a coaching offer of $347 and if all you need to do is sign up 6 or 7 new clients per month, and you’ve got a rough average of $100 a day, based on a 6 day work week.

Quick TIP: It’s much easier for MOST people, as a rule, to sell 1 or 2 people a week a REAL world service offer (like coaching, consulting or personal service) than it is to sell many people a digital download… especially as you are first getting started, and don’t want to over-complicate your business with affiliates, JV partners and risk.

Why is this model all FREE traffic?

Because article marketing is free. The only cost associated with it is the time it takes you to create the content. Remember, this is the BASIC approach to this model… but as you go and grow, you can really scale this up by adding in a blog to the mix, a few social media properties and then recycling your readership around the web to other places you are publishing content. This turns your readers into evangelists for your business… as they’ll share your content around the web in the places they “live”… which helps spread the word for your blog, your brand, your business and your bank account to boot.