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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title></title> <atom:link href="https://businessdailyblog.com/feed/" rel="self" type="application/rss+xml" /> <link>https://businessdailyblog.com</link> <description></description> <lastBuildDate>Tue, 24 Jun 2025 06:16:09 +0000</lastBuildDate> <language>en-US</language> <sy:updatePeriod> hourly </sy:updatePeriod> <sy:updateFrequency> 1 </sy:updateFrequency> <generator>https://wordpress.org/?v=6.8.1</generator> <item> <title>Starting a business: Where to start and how to go about it?</title> <link>https://businessdailyblog.com/starting-a-business-where-to-start-and-how-to-go-about-it/</link> <comments>https://businessdailyblog.com/starting-a-business-where-to-start-and-how-to-go-about-it/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Tue, 24 Jun 2025 05:41:48 +0000</pubDate> <category><![CDATA[ Business]]></category> <guid isPermaLink="false">https://businessdailyblog.com/?p=159</guid> <description><![CDATA[<p>6 ViewsA project leader should not launch into creating his or her business without thinking . Beforehand, a more or less long period of reflection is essential to launch into a project in good conditions. The business creator must question himself at several levels to validate the coherence of the project as a whole .</p><div class="read-more-wrapper"><a class="read-more" href="https://businessdailyblog.com/starting-a-business-where-to-start-and-how-to-go-about-it/" title="Read More"> <span class="button ">Read More</span></a></div><p>The post <a href="https://businessdailyblog.com/starting-a-business-where-to-start-and-how-to-go-about-it/" target="_blank">Starting a business: Where to start and how to go about it?</a> first appeared on <a href="https://businessdailyblog.com/" target="_blank">https://businessdailyblog.com</a>.</p>]]></description> <content:encoded><![CDATA[<div class='epvc-post-count'><span class='epvc-eye'></span> <span class="epvc-count"> 6</span><span class='epvc-label'> Views</span></div><p style="text-align: justify;">A project leader should not launch into creating his or her business without thinking . Beforehand, a more or less long period of reflection is essential to launch into a project in good conditions. The business creator must question himself at several levels to validate the coherence of the project as a whole .</p><p style="text-align: justify;">The entrepreneurs’ corner offers you a five-step approach to help you move forward and reflect on the implementation of your business creation project :</p><h3 style="text-align: justify;">Step 1: Is your project idea realistic and possible?</h3><p style="text-align: justify;">Before <a href="https://businessdailyblog.com/"><strong>launching a business</strong></a>, you must first develop your idea into a real project. In this phase, it is interesting to discuss your idea with several people. This approach is particularly important if you are targeting a sector of activity other than the one in which you work. For innovative ideas, care must be taken to properly protect the concept before revealing it.</p><p style="text-align: justify;">The objective is also to define the entire operational functioning of your future activity: what investments are necessary? what products and/or services are offered? in which sector will the company be located? how will it be supplied? Who are the customers and how will you communicate? Do we eed staff? do you need commercial premises?…</p><p style="text-align: justify;">Market research and competition analysis allow you to assess the reliability of your business creation project. In your geographic area, is there enough space for your future business? can you offer an offer that is consistent with what exists?</p><h3 style="text-align: justify;">Step 2: Does your financial situation allow you to start a project?</h3><p style="text-align: justify;">Analyzing your personal financial situation is essential. What is your current income? What are your financial needs? What is your potential financial contribution to the project?</p><p style="text-align: justify;">To determine this period, you must be careful. It all depends on your resources and financial needs, as well as your ability to find suitable new employment based on your qualifications and experience.</p><p style="text-align: justify;">If you have just lost your job, you are receiving unemployment benefits and you have a project, you have a period in which you can reasonably afford to start a new activity.</p><p style="text-align: justify;">The situation can be a little more complicated if you have immediate financial needs (a loan to repay each month for example) and you have no certainty about the financial aspects of your project. In this situation, the security of an employment contract has no equivalent. Depending on your availability, you can still try to test your project in parallel.</p><h3 style="text-align: justify;">Step 3: Are you able to start your new business?</h3><p style="text-align: justify;">In addition to the financial aspect, you must also analyze the compatibility of your project with your situation on other levels.</p><p style="text-align: justify;">First of all, if you are currently under an employment contract, you must check that you cannot be subject to a temporary non-competition obligation. In addition, you must check the time required to leave your current position (notice period, transition time, etc.) and the possible termination arrangements.</p><p style="text-align: justify;">Next, you must check that you have the necessary qualifications and training to carry out the planned activity. It is sometimes necessary to obtain specific authorizations to carry out an activity.</p><p style="text-align: justify;">Finally, it is also necessary to ensure that the project can be implemented without difficulty. For example, have you found a potentially interesting location? will you succeed in hiring the staff you need?</p><h3 style="text-align: justify;">Step 4: Do you feel ready to start your business?</h3><p style="text-align: justify;">Studying personal constraints and requirements linked to your project is essential for all project leaders.</p><p style="text-align: justify;">Generally, starting a business disrupts daily life. You will undoubtedly have different working hours, your project may cause periods of stress, you may be less available for those close to you, etc.</p><p style="text-align: justify;">Then, your personality must be adapted to leading a business creation project. You must present an entrepreneur profile . It is important to be well organized and comfortable in dealing with third parties. If you plan to hire, you must have a minimum of managerial qualities. Other qualities, specific to your profession, are then necessary.</p><p style="text-align: justify;">Concerning the future business, you must be aware of all the tasks that you will have to take care of: commercial development, exercise of the activity, administrative management… Initially, you will have to do everything, this requires time and investment . Creating a business is not just about working for yourself, you have to manage everything (commercial negotiation, quotes, invoicing, accounting, purchasing management, inventory management, personnel management, etc.). Take entrepreneurship courses if necessary.</p><p style="text-align: justify;">This last point is important, you must ensure that the activity allows you to remunerate yourself sufficiently once all your expenses are paid. Without sufficient profitability, the project is risky. It is then preferable to rectify it (if possible) or move on to another project.</p><p>The post <a href="https://businessdailyblog.com/starting-a-business-where-to-start-and-how-to-go-about-it/" target="_blank">Starting a business: Where to start and how to go about it?</a> first appeared on <a href="https://businessdailyblog.com/" target="_blank">https://businessdailyblog.com</a>.</p>]]></content:encoded> <wfw:commentRss>https://businessdailyblog.com/starting-a-business-where-to-start-and-how-to-go-about-it/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What place for business law in companies?</title> <link>https://businessdailyblog.com/what-place-for-business-law-in-companies/</link> <comments>https://businessdailyblog.com/what-place-for-business-law-in-companies/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Thu, 24 Oct 2024 06:09:01 +0000</pubDate> <category><![CDATA[Law]]></category> <guid isPermaLink="false">https://businessdailyblog.com/?p=169</guid> <description><![CDATA[<p>4 ViewsBusiness law is an essential discipline today in the exercise of an economic activity, and which brings together a large number of legal sub-fields. What is business law? Business law is made up of all legal and regulatory texts relating to businesses and business life. It is therefore intended to govern all relations between</p><div class="read-more-wrapper"><a class="read-more" href="https://businessdailyblog.com/what-place-for-business-law-in-companies/" title="Read More"> <span class="button ">Read More</span></a></div><p>The post <a href="https://businessdailyblog.com/what-place-for-business-law-in-companies/" target="_blank">What place for business law in companies?</a> first appeared on <a href="https://businessdailyblog.com/" target="_blank">https://businessdailyblog.com</a>.</p>]]></description> <content:encoded><![CDATA[<div class='epvc-post-count'><span class='epvc-eye'></span> <span class="epvc-count"> 4</span><span class='epvc-label'> Views</span></div><p style="text-align: justify;">Business law is an essential discipline today in the exercise of an economic activity, and which brings together a large number of legal sub-fields.</p><h2 style="text-align: justify;">What is business law?</h2><p style="text-align: justify;">Business law is made up of all legal and regulatory texts relating to businesses and business life. It is therefore intended to govern all relations between the different economic actors. Since economic entities can be both public and private, they should be distinguished.</p><p style="text-align: justify;">Relations between public economic actors and institutions are governed by public business law. Otherwise, <a href="https://businessdailyblog.com/"><strong>business law</strong></a> applies to commercial relations between private actors, and should in fact be called private business law.</p><p style="text-align: justify;">Business law brings together a large number of sub-areas that apply in the context of commercial relations. We can cite for example:</p><p style="text-align: justify;">Each of these sub-domains has specific characteristics and represents different areas of expertise. While it is common for law firms to bring together several areas of business law, each subject has its specialists in order to best know the subject and best serve the interests of each client and file.</p><p style="text-align: justify;">Business law is governed by numerous texts, both legal and regulatory, as well as European texts. It is thus possible to cite in a non-exhaustive manner:</p><h2 style="text-align: justify;">Why call on a lawyer specializing in business law?</h2><p style="text-align: justify;">If the accountant is generally the first partner that comes to mind when providing business management support, the lawyer can also be a partner of choice for a manager.</p><p style="text-align: justify;">Indeed, a lawyer specializing in business law has all the skills necessary to understand the manager’s situation, analyze it and offer solutions corresponding to his needs.</p><h2 style="text-align: justify;">The partner business lawyer during the creation of the company</h2><p style="text-align: justify;">When you want to create a business, several options are possible for a creator. It is possible to create your company independently, but in this case you must have a certain knowledge of both entrepreneurship and legal matters to the extent that the majority of companies require the drafting of legal statutes, the choice of social status for the manager, consideration of company taxation, etc.</p><p style="text-align: justify;">There are also online legal platforms that allow creators to benefit from processes for automating the legal formalities necessary for creating a business, and pre-established models of legal statuses. However, although this option guarantees speed, it can quickly become less relevant for company creations requiring real legal knowledge.</p><p style="text-align: justify;">Calling on a lawyer specialized in business law, and particularly in corporate law, can be of great help to the business creator. Indeed, the lawyer will be able to enlighten his client on the different possible legal statuses and the consequences of the choices to be made when creating a business.</p><p style="text-align: justify;">For example, if you are creating a start-up, being accompanied by a lawyer specializing in start-up law is essential. Specialized in this particular field within business creation, he will be able to guide you both on the appropriate legal status but also on the mechanism and implementation of fundraising, the protection of innovations, such as cabinet djs-avocats.com for example.</p><h2 style="text-align: justify;">The lawyer partner of the manager during social life</h2><p style="text-align: justify;">However, the lawyer’s support for the manager does not end with the creation of the company. During its social life, the company may always need support. For example, it happens that during the life of a company it needs advice in social law for example, in order to comply with labor law, and respect the numerous rules of social law in order to avoid any potential dispute with its employees, or supervise relations with the various staff representatives.</p><p style="text-align: justify;">The company may also need to be supported by a legal professional, in the event that they wish to set up staff incentive mechanisms, such as BSPCE, BSA or even free shares.</p><p style="text-align: justify;">These incentive mechanisms allow employees to be more invested within the company, and therefore improve its performance.</p><p style="text-align: justify;">During its social life and depending on its commercial activities, the vast majority of companies must conclude commercial contracts, whatever the type. The assistance of a lawyer specializing in business law is therefore essential in the drafting of these contracts governing the company’s activities and essential for defending its interests.</p><p>The post <a href="https://businessdailyblog.com/what-place-for-business-law-in-companies/" target="_blank">What place for business law in companies?</a> first appeared on <a href="https://businessdailyblog.com/" target="_blank">https://businessdailyblog.com</a>.</p>]]></content:encoded> <wfw:commentRss>https://businessdailyblog.com/what-place-for-business-law-in-companies/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What are the conditions of the professional loan to finance the amount of the development</title> <link>https://businessdailyblog.com/what-are-the-conditions-of-the-professional-loan-to-finance-the-amount-of-the-development/</link> <comments>https://businessdailyblog.com/what-are-the-conditions-of-the-professional-loan-to-finance-the-amount-of-the-development/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Sat, 21 Sep 2024 06:01:08 +0000</pubDate> <category><![CDATA[Finance]]></category> <guid isPermaLink="false">https://businessdailyblog.com/?p=166</guid> <description><![CDATA[<p>4 ViewsTo finance the creation or redesign of the company’s website, the manager can draw on the cash flow. But if he wishes, as a precaution, to preserve his own funds or if the funds are insufficient to pay the quotes, the use of professional bank financing must be studied. The operation cannot, in general,</p><div class="read-more-wrapper"><a class="read-more" href="https://businessdailyblog.com/what-are-the-conditions-of-the-professional-loan-to-finance-the-amount-of-the-development/" title="Read More"> <span class="button ">Read More</span></a></div><p>The post <a href="https://businessdailyblog.com/what-are-the-conditions-of-the-professional-loan-to-finance-the-amount-of-the-development/" target="_blank">What are the conditions of the professional loan to finance the amount of the development</a> first appeared on <a href="https://businessdailyblog.com/" target="_blank">https://businessdailyblog.com</a>.</p>]]></description> <content:encoded><![CDATA[<div class='epvc-post-count'><span class='epvc-eye'></span> <span class="epvc-count"> 4</span><span class='epvc-label'> Views</span></div><p style="text-align: justify;">To finance the creation or redesign of the company’s website, the manager can draw on the cash flow. But if he wishes, as a precaution, to preserve his own funds or if the funds are insufficient to pay the quotes, the use of professional bank financing must be studied. The operation cannot, in general, exceed a repayment period of 7 years.</p><h2 style="text-align: justify;">Your business plan should detail your website creation strategy</h2><p style="text-align: justify;">To take out a professional loan, the bank will require complete details of the company’s web project. As a manager, it is therefore important for you to compile a file rich in information.</p><p style="text-align: justify;">All expenses necessary to develop the site, but also to host it on servers and invest in new recruitment will need to be discussed. Don’t forget that launching an e-commerce site can cause logistics expenses for the company, because orders validated on the site will then have to be processed and sent to your customers. This organization has a cost which can be integrated into the capital of the professional loan.</p><p style="text-align: justify;">The business plan must also mention the current<a href="https://businessdailyblog.com/"> <strong>financial situation</strong></a> of the company, its performance indicators as well as forecast results for the years to come. You will also have to convince the bank that the investment to be made for the creation or redesign of your website will bring real added value to the company’s activity: increase in turnover, improvement in profitability, gain notoriety, diversification strategy…</p><h2 style="text-align: justify;">A financial contribution is required to finance the creation of your professional website on credit.</h2><p style="text-align: justify;">An essential point remains for a business loan to be granted to you: a personal contribution must be made to the operation . The contribution is fundamental, its presence alone can determine the bank manager’s decision. It must generally represent between 10% and 30% of the total amount of a professional project.</p><p style="text-align: justify;">If the creation of a website is billed at €100,000 overall, the bank can therefore finance your project if you inject a sum between €10,000 and €30,000 from your company’s cash flow. Which means that the capital of the professional loan will cover between 70 and 90% of the cost of developing the website and related expenses. For what ? Because the contribution makes it possible to reduce the exposure taken by the bank to the consequences of a risk of non-repayment of the professional loan.</p><h2 style="text-align: justify;">Diversify your funding sources to successfully pay for the amount of your new website</h2><p style="text-align: justify;">The bank will judge positively that your web project is financed through several financing channels: therefore find funds by requesting public aid if eligible, take out an accommodating loan and, if possible, gather investors around your project (“business angel”, new partners, crowdfunding, etc.).</p><p style="text-align: justify;">The State, public financing organizations (Bpifrance) and associations can support professionals by providing advice and assistance dedicated to businesses.</p><p style="text-align: justify;">Depending on whether your project to develop a website is part of the creation, takeover or development of a company, you can claim several schemes including:</p><p style="text-align: justify;">The honorary loan, which can help you finance, under conditions, up to €50,000 for your new website, is a zero-interest loan granted by France Initiative or Réseau Entreprise. For smaller structures, a self-entrepreneur can borrow up to €10,000 with a microcredit to create both their business, but also finance their website project. This financing is granted by associations, banks or approved organizations.</p><p style="text-align: justify;">Finally, the municipality or region in which your company is located may be eligible for subsidies to encourage innovation and the transposition of a commercial activity to digital. Local support structures are able to provide you with information on this subject.</p><p>The post <a href="https://businessdailyblog.com/what-are-the-conditions-of-the-professional-loan-to-finance-the-amount-of-the-development/" target="_blank">What are the conditions of the professional loan to finance the amount of the development</a> first appeared on <a href="https://businessdailyblog.com/" target="_blank">https://businessdailyblog.com</a>.</p>]]></content:encoded> <wfw:commentRss>https://businessdailyblog.com/what-are-the-conditions-of-the-professional-loan-to-finance-the-amount-of-the-development/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Business law: the basic concepts to know</title> <link>https://businessdailyblog.com/business-law-the-basic-concepts-to-know/</link> <comments>https://businessdailyblog.com/business-law-the-basic-concepts-to-know/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Sat, 24 Aug 2024 05:31:36 +0000</pubDate> <category><![CDATA[Law]]></category> <guid isPermaLink="false">https://businessdailyblog.com/?p=153</guid> <description><![CDATA[<p>7 ViewsEvery manager must have a minimum knowledge of business law. Indeed, even if he is not a specialist in the subject, it is essential that he has the reflex to think about the legal aspect when making a managerial decision or when defining a new strategy. . Business law: what are we talking about?</p><div class="read-more-wrapper"><a class="read-more" href="https://businessdailyblog.com/business-law-the-basic-concepts-to-know/" title="Read More"> <span class="button ">Read More</span></a></div><p>The post <a href="https://businessdailyblog.com/business-law-the-basic-concepts-to-know/" target="_blank">Business law: the basic concepts to know</a> first appeared on <a href="https://businessdailyblog.com/" target="_blank">https://businessdailyblog.com</a>.</p>]]></description> <content:encoded><![CDATA[<div class='epvc-post-count'><span class='epvc-eye'></span> <span class="epvc-count"> 7</span><span class='epvc-label'> Views</span></div><p style="text-align: justify;">Every manager must have a minimum knowledge of business law. Indeed, even if he is not a specialist in the subject, it is essential that he has the reflex to think about the legal aspect when making a managerial decision or when defining a new strategy. .</p><h2 style="text-align: justify;">Business law: what are we talking about?</h2><p style="text-align: justify;">Business law is a branch of private law that governs the rights and obligations of businesses. It covers several subjects:</p><p style="text-align: justify;">Company law sets the legal rules for the creation and operation of a company – mandatory statutory clauses in SARL, for example .</p><p style="text-align: justify;">Commercial leases and more generally contracts in commercial matters are strictly regulated – lease 3/6/9 for example .</p><p style="text-align: justify;"><a href="https://businessdailyblog.com/"><strong>Consumer law</strong> </a>requires companies to take measures to protect customers – respecting the right of withdrawal for an online purchase, for example .</p><p style="text-align: justify;">Tax law and criminal law serve the general interest – by punishing VAT fraud, for example .</p><p style="text-align: justify;">Intellectual property allows the company to preserve its intangible assets, while prohibiting unfair competitive practices.</p><p style="text-align: justify;">Collective procedures regulate procedures in the event of economic difficulties.</p><p style="text-align: justify;">When you are the head of a company, you must comply with business law. But depending on your position in society, you are more or less concerned.</p><p style="text-align: justify;">A priori , the employee has no use for business law. The relationship of subordination inherent in the employment contract excludes its directive role, and consequently any responsibility incumbent on managers. However, certain strategic positions bring the employee closer to a management function: he is a manager, de jure or de facto.</p><p style="text-align: justify;">The legal manager is designated as such in the company’s statutes. He can be the CEO, the manager of the SARL or the president of the SAS, for example. We speak of a “corporate officer”.</p><p style="text-align: justify;">The de facto manager is not named in the statutes, but exercises the responsibilities in principle entrusted to the de jure manager.</p><p style="text-align: justify;">Case law has refined the notion of de facto manager. The criteria are as follows: independence and freedom of action when carrying out positive acts of management and direction in place of the legal representative.</p><p style="text-align: justify;">Example: a manager who has the power to sign highly important contracts can be considered as a de facto manager.</p><p style="text-align: justify;">As a manager or director of your company, you have broad decision-making power – and high remuneration.</p><p style="text-align: justify;">In this context, you are concerned by the provisions of business law as a de jure or de facto manager: you are responsible for your actions. Please note, however, that it is up to the person incurring your responsibility to prove your status as a de facto manager if applicable .</p><h2 style="text-align: justify;">What do you risk under business law?</h2><p style="text-align: justify;">Your liability as a manager can be engaged on the basis of business law, at 2 levels:</p><p style="text-align: justify;">Your civil liability is at stake if you commit management errors , detachable from your duties, and which contribute to the bankruptcy of the company. You then risk being prosecuted for filling liabilities: you repay the creditors for your faults.</p><p style="text-align: justify;">Your criminal liability may be engaged in the exercise of your duties – misuse of corporate assets, false use of forgery, fraud or breach of trust, involuntary manslaughter in the event of non-compliance with employee safety rules, harassment and discrimination…</p><p style="text-align: justify;">When it comes to accounting, make sure your accounts are kept properly to comply with your tax obligations. Pay attention to your employees’ expense reports – and yours – for example .</p><p style="text-align: justify;">Lock your T&Cs in accordance with consumer law. Respect legal guarantees – conformity and hidden defects – in particular .</p><p style="text-align: justify;">Have your commercial contracts and leases checked by a lawyer to ensure you comply with applicable law.</p><p style="text-align: justify;">When developing a business strategy – a product launch, for example – be sure to stay within the framework of fair competition.</p><p>The post <a href="https://businessdailyblog.com/business-law-the-basic-concepts-to-know/" target="_blank">Business law: the basic concepts to know</a> first appeared on <a href="https://businessdailyblog.com/" target="_blank">https://businessdailyblog.com</a>.</p>]]></content:encoded> <wfw:commentRss>https://businessdailyblog.com/business-law-the-basic-concepts-to-know/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Can you renegotiate a professional loan</title> <link>https://businessdailyblog.com/can-you-renegotiate-a-professional-loan/</link> <comments>https://businessdailyblog.com/can-you-renegotiate-a-professional-loan/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Wed, 21 Aug 2024 12:16:22 +0000</pubDate> <category><![CDATA[ Loans]]></category> <guid isPermaLink="false">https://businessdailyblog.com/?p=150</guid> <description><![CDATA[<p>9 ViewsYou certainly have in mind that, as an individual, renegotiating a loan in order to obtain more favorable conditions is possible, even common. Did you know that the same is true for professional credit? With an objective similar to that of an individual: to relax or reorganize the general conditions. Good to know: you</p><div class="read-more-wrapper"><a class="read-more" href="https://businessdailyblog.com/can-you-renegotiate-a-professional-loan/" title="Read More"> <span class="button ">Read More</span></a></div><p>The post <a href="https://businessdailyblog.com/can-you-renegotiate-a-professional-loan/" target="_blank">Can you renegotiate a professional loan</a> first appeared on <a href="https://businessdailyblog.com/" target="_blank">https://businessdailyblog.com</a>.</p>]]></description> <content:encoded><![CDATA[<div class='epvc-post-count'><span class='epvc-eye'></span> <span class="epvc-count"> 9</span><span class='epvc-label'> Views</span></div><p style="text-align: justify;">You certainly have in mind that, as an individual, renegotiating a loan in order to obtain more favorable conditions is possible, even common.</p><p style="text-align: justify;">Did you know that the same is true for professional credit? With an objective similar to that of an individual: to relax or reorganize the general conditions.</p><p style="text-align: justify;">Good to know: you will also come across the term “credit redemption”. It is used if the renegotiation takes place with a financial organization different from the one with which the loan was taken out.</p><p style="text-align: justify;">Several reasons can lead a business manager to have to redress the situation by renegotiating his business loan, such as organic financial difficulties requiring a little oxygen. In this case he can:</p><p style="text-align: justify;">Keep in mind that this type of arrangement will certainly reduce the amount of payments but will also probably increase the overall cost of professional credit.</p><p style="text-align: justify;">Our expertise: another possibility is to renegotiate the nominal interest rate. Ask your bank to renegotiate it and do not hesitate to involve the competition, via the repurchase of professional credit , if the response is not satisfactory.</p><h2 style="text-align: justify;">What levers can you use to obtain better conditions after renegotiating your professional loan?</h2><p style="text-align: justify;">The interest rate for a <a href="https://businessdailyblog.com/"><strong>professional loan</strong> </a>is calculated based on several parameters: type and amount of the loan, duration, personal contribution, guarantees, risks, etc. By soliciting several funding organizations, you will draw up a fairly exhaustive overview in order to select the most advantageous.</p><p style="text-align: justify;">Good to know: to save time in your procedures, use the professional credit simulation tools available online. They give you a fairly precise idea of the rate you can expect for your professional loan.</p><h2 style="text-align: justify;">Adjust the repayment period</h2><p style="text-align: justify;">Extending the repayment period of your professional loan reduces the amount of monthly payments.</p><p style="text-align: justify;">The opposite is also possible, namely early repayment of your professional loan: by reducing its duration, you often lower the total cost.</p><h2 style="text-align: justify;">Change of loan insurance</h2><p style="text-align: justify;">Another lever to act on is the insurance of the professional loan via its delegation to a third party organization. By subscribing to a cheaper offer with equivalent guarantees, the total cost of contributions will be reduced.</p><p style="text-align: justify;">When borrowing bank financing, the Lagarde law of 2010 allows the business manager to take out his insurance contract with another insurer and optimize the overall cost of financing. The Hamon law and the Bourquin amendment go further: the borrower can decide to terminate their current contract for a new one during the first 12 months following signing the loan offer. Then, this change of professional loan insurance is possible on each anniversary date by carrying out the procedures taking into account 2 months’ notice. From the start of the 2022 school year, it will be possible to terminate your contract at any time.</p><h2 style="text-align: justify;">How to know if a professional credit renegotiation is profitable?</h2><p style="text-align: justify;">Before committing, you need to calculate the profitability of the renegotiation offers proposed, as the operation may entail additional costs and conditions.</p><p style="text-align: justify;">In general, the bank may indeed charge you processing fees. If it is your professional manager who takes the initiative to renegotiate your professional credit, you should not have to pay any fees. Making an explicit request, however, encourages the banking establishment to ask you for these processing fees. But you are entitled to negotiate the percentage of fees on the remaining capital as well as the amount of the fixed commission.</p><p style="text-align: justify;">Very often, the application fees amount to 1% of the capital of the loan being renegotiated, while the commissin is around €150.</p><p style="text-align: justify;">If your objective is to reduce the cost of credit for your company’s finances, also having in mind to measure the cost of banking and insurance offers that the bank</p><p style="text-align: justify;">Regarding the postponement of deadlines, if your request for renegotiation is refused, this system extends the duration of the credit by reducing the amount of monthly repayments, but it increases the total cost of the loan. There are two types:</p><p style="text-align: justify;">Your professional loan is then financed by a banking institution other than the one with which you took it out. To reduce the cost of the operation, it is possible to adjust the parameters previously described: the interest rate, the duration or the new insurance contract.</p><p>The post <a href="https://businessdailyblog.com/can-you-renegotiate-a-professional-loan/" target="_blank">Can you renegotiate a professional loan</a> first appeared on <a href="https://businessdailyblog.com/" target="_blank">https://businessdailyblog.com</a>.</p>]]></content:encoded> <wfw:commentRss>https://businessdailyblog.com/can-you-renegotiate-a-professional-loan/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Starting a business: steps to success</title> <link>https://businessdailyblog.com/starting-a-business-steps-to-success/</link> <comments>https://businessdailyblog.com/starting-a-business-steps-to-success/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Sun, 11 Aug 2024 05:44:12 +0000</pubDate> <category><![CDATA[ Business]]></category> <guid isPermaLink="false">https://businessdailyblog.com/?p=163</guid> <description><![CDATA[<p>5 ViewsStarting your business is a project that requires preparation and reflection. Finding a good idea is not enough, you have to ask the right questions and come up with a solid plan. Creating your business will take time and will probably require a significant personal and financial investment. Not to mention that you will</p><div class="read-more-wrapper"><a class="read-more" href="https://businessdailyblog.com/starting-a-business-steps-to-success/" title="Read More"> <span class="button ">Read More</span></a></div><p>The post <a href="https://businessdailyblog.com/starting-a-business-steps-to-success/" target="_blank">Starting a business: steps to success</a> first appeared on <a href="https://businessdailyblog.com/" target="_blank">https://businessdailyblog.com</a>.</p>]]></description> <content:encoded><![CDATA[<div class='epvc-post-count'><span class='epvc-eye'></span> <span class="epvc-count"> 5</span><span class='epvc-label'> Views</span></div><p style="text-align: justify;">Starting your business is a project that requires preparation and reflection. Finding a good idea is not enough, you have to ask the right questions and come up with a solid plan. Creating your business will take time and will probably require a significant personal and financial investment. Not to mention that you will have to follow certain steps prior to creating a business in order to start your business with peace of mind. There are 6 of them:</p><p style="text-align: justify;">This article provides you with several tips relating to creating a business to give you every chance of succeeding in your entrepreneurial project.</p><h2 style="text-align: justify;">How to start a business creation project?</h2><p style="text-align: justify;">Before even wondering how to become an entrepreneur or <a href="https://businessdailyblog.com/"><strong>start your business</strong>,</a> you need to think about the idea of starting a business. A business creation project requires having an idea, a particular desire to create something. There are several ways to come up with an idea:</p><p style="text-align: justify;">via your professional experience: this is surely the sector that you know best. Your experience can allow you to identify the needs of the market or potential customers.</p><p style="text-align: justify;">by being interested in new trends: it is often by looking for new trends that we can find the right idea, the activity that has not yet been exploited and therefore the right creative projectIt is often with the launch of new products or new consumption patterns that a new trend can emerge.</p><p style="text-align: justify;">Do you want to start a business but you have no idea? Please note that this is not blocking. You don’t need a new idea to create a transport company, for example, or to become a self-employed consultant .</p><p style="text-align: justify;">Furthermore, you also have the possibility of taking over an existing idea or drawing inspiration from a foreign company.</p><h2 style="text-align: justify;">What motivates you to open a business?</h2><p style="text-align: justify;">After having identified the sectors you know as well as the new trends, you must try to combine this while responding to several issues. These questions that will have to be answered are more subjective and personal.</p><h2 style="text-align: justify;">What do you love doing ?</h2><p style="text-align: justify;">Becoming self-employed requires motivation. You will sacrifice time and energy to develop your project, so you must like the field of activity you have chosen.</p><h2 style="text-align: justify;">What are your skills ? What do you know how to do?</h2><p style="text-align: justify;">It is indeed important to know where you could use your skills when creating a business. On this point, you must be lucid and identify both your skills and your weak points. Likewise, if you have no legal training, it is in your best interest to seek assistance from a lawyer for the creation of your business .</p><h2 style="text-align: justify;">Which sectors and professional fields do you know well?</h2><p style="text-align: justify;">Your past experiences allow you to have perspective as well as a much sharper critical eye (although starting your own business while you are young is entirely possible). If you are considering a retraining and a change of sector of activity, you will need to be clear-minded about the need to develop new skills.</p><h2 style="text-align: justify;">How do you want to carry out your activity?</h2><p style="text-align: justify;">Certain activities are regulated or require obtaining training and approval, compliance with age conditions ( driving school , tobacco shop) or professional experience ( building or construction trades ). aesthetic ). Furthermore, you must first find out about the possible need for a diploma, insurance or financial conditions before getting started. To do this, contact a lawyer. He will be able to guide you on the regulations of the sector in question.</p><p style="text-align: justify;">Is it a physical store or an e-commerce store ? In the latter case, do you want to sell physical or digital products? The answer to these questions will allow you to see things more clearly.</p><p>The post <a href="https://businessdailyblog.com/starting-a-business-steps-to-success/" target="_blank">Starting a business: steps to success</a> first appeared on <a href="https://businessdailyblog.com/" target="_blank">https://businessdailyblog.com</a>.</p>]]></content:encoded> <wfw:commentRss>https://businessdailyblog.com/starting-a-business-steps-to-success/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>10 terms to know to understand your insurance contract</title> <link>https://businessdailyblog.com/10-terms-to-know-to-understand-your-insurance-contract/</link> <comments>https://businessdailyblog.com/10-terms-to-know-to-understand-your-insurance-contract/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Tue, 23 Jul 2024 12:09:10 +0000</pubDate> <category><![CDATA[Insurance]]></category> <guid isPermaLink="false">https://businessdailyblog.com/?p=147</guid> <description><![CDATA[<p>8 ViewsInsurance is essential for any entrepreneur who wants to protect their business and activities. In a previous article, we explained to youwhich insurance to choosedepending on the stage of development of your business. Indeed, it is full of jargony and complex terms that can make you doubt whether the risks you face are fully</p><div class="read-more-wrapper"><a class="read-more" href="https://businessdailyblog.com/10-terms-to-know-to-understand-your-insurance-contract/" title="Read More"> <span class="button ">Read More</span></a></div><p>The post <a href="https://businessdailyblog.com/10-terms-to-know-to-understand-your-insurance-contract/" target="_blank">10 terms to know to understand your insurance contract</a> first appeared on <a href="https://businessdailyblog.com/" target="_blank">https://businessdailyblog.com</a>.</p>]]></description> <content:encoded><![CDATA[<div class='epvc-post-count'><span class='epvc-eye'></span> <span class="epvc-count"> 8</span><span class='epvc-label'> Views</span></div><p style="text-align: justify;"><a href="https://businessdailyblog.com/"><strong>Insurance is essential</strong> </a>for any entrepreneur who wants to protect their business and activities. In a previous article, we explained to youwhich insurance to choosedepending on the stage of development of your business. Indeed, it is full of jargony and complex terms that can make you doubt whether the risks you face are fully covered. We decipher for you 10 terms you need to know to fully understand your professional insurance contract before signing it.</p><h2 style="text-align: justify;">Use insurance? To do what ?</h2><p style="text-align: justify;">You’ve worked hard to build a solid financial foundation. However, unexpected events can happen and, if you are not sufficiently insured, this could have serious financial consequences.</p><p style="text-align: justify;">As an entrepreneur, you have a great business to run and customers to satisfy. However, you are not immune from litigation. Using insurance means being responsible for the risks and dangers you face, to protect your business and those who are part of your entrepreneurial adventure.</p><h3 style="text-align: justify;">Because it is obligatory</h3><p style="text-align: justify;">This is why it is imperative to take out insurance. Know that insuranceProfessional Liabilityis mandatory for regulated professions because they are subject to compliance with advice of loyalty, prudence, diligence and may face risks of professional misconduct:</p><p style="text-align: justify;">For all these reasons it is essential to understand all the terms present in your professional insurance contract in order toto avoid pitfalls. When you take out insurance you are “buying a promise”. The insurer undertakes to provide a specific and determined service in the event of the occurrence of a risk covered by the insurance contract, this is called the guarantee .</p><h3 style="text-align: justify;">General conditions</h3><p style="text-align: justify;">These are standard conditions, applicable to all policyholders subscribing to the same type of insurance contract. The general conditions of an insurance contract are set by the insurance code. They include: Contract terms, guarantees, exclusions of guarantees, forfeiture of the contract, termination procedure, procedure for reporting and compensation of losses, disputes and appeals.</p><h3 style="text-align: justify;">Special conditions</h3><p style="text-align: justify;">These are unique and adapted to the activity of the insured. They allow the insurance contract to be personalized by defining particularities such as: the profile of the subscriber, the people and property insured, the value of the property insured, the maximum capital in the event of compensation, the amount of premiums, the amount of deductibles , the date of coverage, the terms of payment of premiums.</p><p style="text-align: justify;">The rider is a document complementary to the contract noting the modifications made to it during the insurance period. It is signed by the insurer and the insured. Here are some examples of cases in which an insurer can establish an endorsement: If the insured requests an extension of guarantee, if he requests a modification of the amount of guarantees, if he changes his address, if his turnover and /or its activities have evolved.</p><p style="text-align: justify;">Exclusions, i.e. everything that is not guaranteed by the insurance contract, must be clearly mentioned in the contract in the general, special or particular conditions of the insurance policy.</p><p style="text-align: justify;">This is the amount paid by the insured in return for the guarantees granted by the insurer. This is the global, flat-rate amount payable monthly, quarterly, half-yearly or annually. This amount is subject to review at each renewal.</p><p style="text-align: justify;">The main deadline corresponds to the anniversary date of the insurance contract from which the period for payment of the premium by the insured begins. The insured is obliged to pay the amount of his insurance premium within 10 days following the main due date (anniversary date of the contract).</p><p>The post <a href="https://businessdailyblog.com/10-terms-to-know-to-understand-your-insurance-contract/" target="_blank">10 terms to know to understand your insurance contract</a> first appeared on <a href="https://businessdailyblog.com/" target="_blank">https://businessdailyblog.com</a>.</p>]]></content:encoded> <wfw:commentRss>https://businessdailyblog.com/10-terms-to-know-to-understand-your-insurance-contract/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to obtain professional credit without going through a bank?</title> <link>https://businessdailyblog.com/how-to-obtain-professional-credit-without-going-through-a-bank/</link> <comments>https://businessdailyblog.com/how-to-obtain-professional-credit-without-going-through-a-bank/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Sun, 14 Jul 2024 05:32:44 +0000</pubDate> <category><![CDATA[ Loans]]></category> <guid isPermaLink="false">https://businessdailyblog.com/?p=156</guid> <description><![CDATA[<p>4 ViewsApart from banks, there are several ways to obtain funds to finance your business. Business angels and love money Family and friends (from whom the love money comes) and business angels may be willing to lend you money without requiring collateral, in exchange for a stake in your business. Business angels are often wealthy</p><div class="read-more-wrapper"><a class="read-more" href="https://businessdailyblog.com/how-to-obtain-professional-credit-without-going-through-a-bank/" title="Read More"> <span class="button ">Read More</span></a></div><p>The post <a href="https://businessdailyblog.com/how-to-obtain-professional-credit-without-going-through-a-bank/" target="_blank">How to obtain professional credit without going through a bank?</a> first appeared on <a href="https://businessdailyblog.com/" target="_blank">https://businessdailyblog.com</a>.</p>]]></description> <content:encoded><![CDATA[<div class='epvc-post-count'><span class='epvc-eye'></span> <span class="epvc-count"> 4</span><span class='epvc-label'> Views</span></div><h2 style="text-align: justify;">Apart from banks, there are several ways to obtain funds to finance your business.</h2><h2 style="text-align: justify;">Business angels and love money</h2><p style="text-align: justify;">Family and friends (from whom the love money comes) and business angels may be willing to lend you money without requiring collateral, in exchange for a stake in your business.</p><p style="text-align: justify;">Business angels are often wealthy individuals who invest in high-potential start-ups, alone or through investor networks, to provide seed funding. They often want to obtain an ownership stake in the business that they can resell at a profit as the business grows. They may also want the opportunity to have a place on the company’s board and share contacts and skills.</p><h2 style="text-align: justify;">Crowdfunding to avoid financing from a bank</h2><p style="text-align: justify;">It is possible to support your project with the help of an online community. This can be free of charge (donation), or pending a later return (loan). It’s a fantastic way to put your project idea to the test. If crowdfunding is successful, this will be a strong argument to present to banks.</p><p style="text-align: justify;">However, this method has some dangers. You risk investing financially and in terms of time in terms of communication related to the smooth running of your campaign. However, it is possible that it does not work as you hoped, that you do not reach the desired target or that your idea is not well received and that someone else appropriates it. Crowdfunding is therefore not a magic cure, and it is necessary to prepare carefully in order to maximize your possibilities.</p><h2 style="text-align: justify;">Intercompany loans: borrowing between two companies</h2><p style="text-align: justify;">Inter-company loans, introduced in 2015 by the Macron law, are sums of money that are loaned from one company to another. The aim of the maneuver is for a first company with a large cash reserve to pass on its surplus to a second company with a short-term cash flow problem. It is a question here of a kind of professional mutual assistance.</p><p style="text-align: justify;">This <a href="https://businessdailyblog.com/"><strong>professional loan</strong></a> without going through a bank is granted at a zero rate and its repayment period can extend for 2 years at most. It can only be done between several companies of the same group, or between two companies maintaining a prima facie proven commercial relationship.</p><h2 style="text-align: justify;">Obtain funds from organizations granting aid to businesses</h2><p style="text-align: justify;">In order to resolve the liquidity needs of companies, the State and public organizations offer various financial assistance. These aids can be alternatives to bank financing or be a complement that will strengthen your file.</p><p style="text-align: justify;">In France, there are numerous schemes of this type, but the most recognized are the following: NACRE, or the New Support for Business Creation or Takeover, and the CAPE, or the Business Project Support Contract .</p><p style="text-align: justify;">To avoid borrowing from a bank, a business manager can also contact his local area to check his eligibility for aid payments which may be local, departmental or regional (tax credit, subsidies, etc.). ). It is also possible to contact organizations, such as Bpifrance, which offer support for the creation and development of business projects.</p><h2 style="text-align: justify;">Why might a company not want to borrow a business loan from a bank?</h2><p style="text-align: justify;">To obtain professional credit, you must demonstrate that the purpose of your application and your objectives are both logical and coherent in the eyes of your creditor. When a project is thought through and the borrower organization or individual presents admissible documents or a good file highlighting its financial credibility and the need for borrowing, it has a better chance of obtaining financing. But if your company does not have the funds to make a contribution to the operation, the bank’s response will very often be negative. This financial contribution is equivalent to a percentage of the amount to be borrowed, generally between 10 and 30% of it. All these criteria can bar your access to a bank loan.</p><p style="text-align: justify;">Other guarantees are also sometimes required by lenders. These generally take the form of tangible or intangible assets that the bank can seize and resell to recoup its losses if you do not repay your business loan. Subscribing to guarantees may result in additional costs. But it exposes your company more in the event of non-repayment of the loan. It is for this reason that managers sometimes consider financing their business projects elsewhere than with banking establishments.</p><p>The post <a href="https://businessdailyblog.com/how-to-obtain-professional-credit-without-going-through-a-bank/" target="_blank">How to obtain professional credit without going through a bank?</a> first appeared on <a href="https://businessdailyblog.com/" target="_blank">https://businessdailyblog.com</a>.</p>]]></content:encoded> <wfw:commentRss>https://businessdailyblog.com/how-to-obtain-professional-credit-without-going-through-a-bank/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>5 tips for investing your money</title> <link>https://businessdailyblog.com/5-tips-for-investing-your-money/</link> <comments>https://businessdailyblog.com/5-tips-for-investing-your-money/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Mon, 01 Jul 2024 12:00:26 +0000</pubDate> <category><![CDATA[Investment]]></category> <guid isPermaLink="false">https://businessdailyblog.com/?p=144</guid> <description><![CDATA[<p>8 ViewsWhile we explained to you in a previous article that the Livret A no longer earns as much as before but that it nevertheless remains a good investment device , you are certainly wondering how your money can earn more. Also, it is entirely possible to invest your money and make it a useful</p><div class="read-more-wrapper"><a class="read-more" href="https://businessdailyblog.com/5-tips-for-investing-your-money/" title="Read More"> <span class="button ">Read More</span></a></div><p>The post <a href="https://businessdailyblog.com/5-tips-for-investing-your-money/" target="_blank">5 tips for investing your money</a> first appeared on <a href="https://businessdailyblog.com/" target="_blank">https://businessdailyblog.com</a>.</p>]]></description> <content:encoded><![CDATA[<div class='epvc-post-count'><span class='epvc-eye'></span> <span class="epvc-count"> 8</span><span class='epvc-label'> Views</span></div><p style="text-align: justify;">While we explained to you in a previous article that the Livret A no longer earns as much as before but that it nevertheless remains a good investment device , you are certainly wondering how your money can earn more. Also, it is entirely possible to invest your money and make it a useful present for your loved ones .</p><p style="text-align: justify;">Before thinking about the means, you must decide on your investment horizon, that is to say the moment when you will need the <a href="https://businessdailyblog.com/"><strong>invested capital</strong>,</a> and your financial objectives, that is to say the motivation for the investments. If it is a precautionary savings, you will need to be able to access it at any time and often in an emergency (to pay taxes, bills, etc.). You will therefore need to check that your investment method allows you to do so. On the other hand, if it is a medium or long term investment to finance a residence or studies for example, then you will be able to take more risks and your money will bring you more. Once this question is answered, it is time to choose the investment solution. Be careful, who says more profitable, does not mean without risk…</p><h2 style="text-align: justify;">What safe investments?</h2><p style="text-align: justify;">Thanks to the State guarantee, the passbooks (livret A, youth, LEP, LDDS) ensure that the saver gets back their investment. How it works ? Depositing money into these booklets generates interest rates which are added to the initial capital. This liquid product (name used for investments where money can be withdrawn immediately) is a safe place to deposit your precautionary savings. Note that each booklet has its own interest rate (around 0.5%) and a deposit ceiling.</p><p style="text-align: justify;">The life insurance contract also guarantees the subscriber not to lose the money deposited, whatever happens. It allows you to secure your funds and prepare your succession. This system generally has a higher rate of remuneration than booklets but its profitability tends to fade. To increase your return, you can vary your life insurance investments between unit-linked funds and euro funds.</p><h2 style="text-align: justify;">Which investments have the best returns?</h2><p style="text-align: justify;">The stock market is one of the best ways to earn money with your initial investment. The PEA (Stock Savings Plan) allows you to invest in bonds, shares or funds and in general in large CAC 40 companies. Thus, youwill benefit from dividends or a capital gain on resale.</p><p style="text-align: justify;">Big competitor to the stock market? Cryptocurrency. The effect of the volatility of these virtual currencies is twofold: the possibility of profit is infinite and on the other hand, the risk is real. Investing in cryptocurrency therefore requires having good resistance to stress and being available at any time to buy or sell your currencies.</p><p style="text-align: justify;">Real estate is a growing market so don’t hesitate to invest your money there! SCPIs (Sociétés Civiles de Placement Immobilier) are a good investment.With an average annual return of 9.2% in 2021 according to the specialized barometer, real estate crowdfunding is a very popular investment solution. But what is it actually? Anyone who wants to carry out a real estate transaction but does not have the necessary funds contacts a specialized agency to be put in contact with investors. At the end of the loan or over time (depending on the operation of the chosen platform), the real estate operator reimburses the capital and interest to the investors. Any individual can lend funds to a real estate project but be careful of the risks.</p><p>The post <a href="https://businessdailyblog.com/5-tips-for-investing-your-money/" target="_blank">5 tips for investing your money</a> first appeared on <a href="https://businessdailyblog.com/" target="_blank">https://businessdailyblog.com</a>.</p>]]></content:encoded> <wfw:commentRss>https://businessdailyblog.com/5-tips-for-investing-your-money/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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