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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>Page Papi – Find The World With Just a Fingertip</title> <atom:link href="https://pagepapi.com/feed/" rel="self" type="application/rss+xml" /> <link>https://pagepapi.com</link> <description>The World Updated News</description> <lastBuildDate>Sat, 05 Jul 2025 04:37:30 +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> <image> <url>https://aws.wideinfo.org/pagepapi.com/wp-content/uploads/2020/10/07073150/cropped-bicycle-32x32.png</url> <title>Page Papi – Find The World With Just a Fingertip</title> <link>https://pagepapi.com</link> <width>32</width> <height>32</height></image> <item> <title>Where in the World Is Your Finance Penetration?</title> <link>https://pagepapi.com/where-in-the-world-is-your-finance-penetration/</link> <dc:creator><![CDATA[Priscilla Lee]]></dc:creator> <pubDate>Sat, 05 Jul 2025 04:37:30 +0000</pubDate> <category><![CDATA[Finance]]></category> <guid isPermaLink="false">http://pagepapi.com/?p=560</guid> <description><![CDATA[In 1971, C.P. Snow wrote about technology in the New York Times. He said, “Technology… is a queer thing. It brings you great gifts with one hand, and it stabs you in the back with the other.” Many dealers are voicing that sentiment these days. Far too few have done anything about it. Some have […]]]></description> <content:encoded><![CDATA[<p>In 1971, C.P. Snow wrote about technology in the New York Times. He said, “Technology… is a queer thing. It brings you great gifts with one hand, and it stabs you in the back with the other.” Many dealers are voicing that sentiment these days. Far too few have done anything about it. Some have learned to use <a title="Viruses and Malicious Software – How to Protect Your Computer" href="https://pagepapi.com/viruses-and-malicious-software-how-to-protect-your-computer/">computer software</a> with skill. They use the <a href="https://toptheto.com/paid-iphone-apps-which-are-on-sale-totally-free-today/" target="_blank" rel="noopener">apps on iPhones</a>, iPads, and Blackberries. They have created an effective <a href="https://pagepapi.com/tips-for-choosing-a-web-designer-for-your-business-web-site/">Web site</a>. They use Facebook Twi,tter, and LinkedIn for <a href="https://toptheto.com/how-tencent-blurred-the-lines-of-gaming-social-networking/" target="_blank" rel="noopener">social networking</a>. For others, these are merely words and technologies that test their ability to conduct business and their private lives. Dealers, already feeling the brunt of the two-plus-year recession and massive changes in the car industry, are becoming increasingly concerned about their ability to keep up and remain on the playing field. Nope! Why should dealers bother with such things? Isn’t the old way good enough?</p><p><img fetchpriority="high" decoding="async" class="aligncenter" src="https://blogs.dpuerp.in/images/blog/70/28-financial-planning-decisions.jpg" alt="Finance" width="1200" height="628" title="Where in the World Is Your Finance Penetration? 2"></p><h3><strong>READ MORE : </strong></h3><ul id="suggestions-list"><li><a href="https://pagepapi.com/customer-finance-programs-key-to-increasing-sales/">Customer Finance Programs Key to Increasing Sales</a></li><li><a href="https://pagepapi.com/what-is-your-life-purpose-mission-and-passion/">What Is Your Life Purpose, Mission, and Passion?</a></li><li><a href="https://pagepapi.com/the-role-of-organized-sports-in-your-childs-life/">The Role of Organized Sports in Your Child’s Life</a></li><li><a href="https://pagepapi.com/installing-wordpress-for-your-website/">Installing WordPress For Your Website</a></li><li><a href="https://pagepapi.com/tips-to-get-your-wordpress-blog-ranking-highly-in-the-search-engines/">Tips to Get Your WordPress Blog Ranking Highly in the Search Engines</a></li></ul><p>Customers who always shopped on the lot now shop online before they <a href="https://pagepapi.com/5-steps-toward-cultivating-a-new-life/">step toward</a> a dealership. They’ve researched every model in their <a href="https://toptheto.com/hands-on-with-samsungs-new-price-range-telephone/" target="_blank" rel="noopener">price range</a> and with their desired features. They’ve read a dozen articles about how to get the best deal. They’ve become savvier than many salespeople hired by dealerships; they know their credit score and where they can find the best price on insurance, window tinting, undercoating, you name it. Everything once sold to them by a finance officer from the menu is for sale online.</p><p>Are you one of the dealerships where handwringing has become a daily pastime? Have you taken a close look at your bottom line? Have you noticed what would happen to your financial portfolio if you removed your sub-event-rated and nonprime customers? Have the numbers of your prime-financing customers dwindled to an <a href="https://toptheto.com/gst-effect-apple-iphone-ipad-mac-prices-at-all-time-low/" target="_blank" rel="noopener">all-time low</a>? Perhaps you haven’t seen the drop in your captive financing yet, but beware, it’s coming just as surely as the first snowstorm.</p><p>Snow was right back in 1971! The <a href="https://graetnewsnetwork.com/blue-eyed-pakistani-chaiwala-becomes-internet-sensation/" target="_blank" rel="noopener">Internet can either become</a> a beacon for drawing more satisfied customers to your dealership and vastly increase your bottom line, or it can stab you in the back. It can be your best friend or your worst enemy. How?</p><p>Statistics show that 80% of <a href="https://pagepapi.com/things-to-fix-in-your-car-before-you-sell-it/">car</a> customers go online before deciding to buy and before they come to your dealership. What are they researching? Brands, models, features, and, most of all, prices. Most of all, prices. Most Americans in <a href="https://mqacg.com/focus-is-to-position-cash-in-human-beingss-fingers-nirmala-sitharaman-at-india-today-budget-roundtable/" target="_blank" rel="noopener">today’s economy are deeply concerned about their budget</a>. They have a fixed amount to spend on a car payment and all the other expenses involved in owning it. The vehicle they choose must fit within that revised figure. They cannot afford to <a href="https://pagepapi.com/mistakes-to-avoid-when-buying-accounting-software/">buy on a whim or to make a careless mistake</a>. They won’t take the chance of being duped into buying things they <a href="https://graetnewsnetwork.com/our-actors-dont-need-bollywood-to-become-stars-pakistani-blogger-in-reply-to-indian-journalist/" target="_blank" rel="noopener">don’t want, don’t need</a>, and can’t afford by a fast-talking sales or finance manager.</p><p>Where do these savvy customers get their information? One of their first sources is Edmunds, the friendly consumer shopping guide. Edmunds has never been and still isn’t the dealer’s friend. Edmunds does whatever is necessary to achieve the sale of vehicles and <a title="Selling Your Product on the Internet" href="https://pagepapi.com/selling-your-product-on-the-internet/">products from the Internet</a> shopper… and then refers this buyer to specific retailers to obtain a fee! Banks. <a title="Revenue-Based Financing for Technology Companies" href="https://pagepapi.com/revenue-based-financing-for-technology-companies/">Finance companies</a>. Insurance companies. You name it.</p><p>Don’t let them get a stranglehold on your customers! If you haven’t already checked this article on Edmunds.com, perhaps you should do so now! Confessions of an Auto <a href="https://graetnewsnetwork.com/car-finance-what-you-should-know-about-dealer-finance/" target="_blank" rel="noopener">Finance Manager In the Back Rooms of America’s Car</a> Dealerships By Philip Reed, Senior Consumer Advice Editor, and Nick James</p><h3>Introduction</h3><p>“Congratulations, you’re getting a great <a title="Perfect Car Insurance Options for Your Deals Here" href="https://pagepapi.com/perfect-car-insurance-options-for-your-deals-here/">deal!” the car</a> salesman pumps your hand. “Let’s sign the paperwork, and you’ll be on your way in your new car!”</p><p>At first, you’re relieved – the negotiating is over. But then the salesman walks you down a back hallway to a stark, cramped office with “Finance and Insurance” on the door. Inside, a man in a suit sits behind the desk. He greets you with a faint smile on his face. An hour later, you walk out in a daze: The whole deal was reworked, your monthly payment soared, and you bought products you didn’t want.</p><h3>What happened to your great deal?</h3><p>You just got <a href="https://graetnewsnetwork.com/dhfl-lic-housing-manappuram-finance-lt-finance-hit-record-highs/" target="_blank" rel="noopener">hit by the “F&I Man,” also called the finance</a> officer. He waits in the back of every dealership for unsuspecting customers to increase the dealership’s profit and boost his commission.</p><p>In this four-part series, written by veteran auto finance manager Nick James, you will learn the F&I man’s tricks and how to avoid them. When you’re done, you’ll be ready to navigate this crucial part of the <a title="Buy, Finance Or Lease: How Should I Pay For My New Car?" href="https://pagepapi.com/buy-finance-or-lease-how-should-i-pay-for-my-new-car/">car buying</a> process safely, and the F&I man will never work his “magic” on you again.</p><h3>– The Editors at Edmunds.com</h3><p>Are you still ushering your customers into the office of your “F&I Man”? No? Have you a Web site? Do you update it once a month? Do you have a tech-savvy employee who checks your e-mail messages every morning? BUT… how would you answer these questions?</p><p>When your potential <a title="Customized Designing of Website Blogs Using WordPress" href="https://pagepapi.com/customized-designing-of-website-blogs-using-wordpress/">customers come to your Website</a>, what resources do you have available to steer them away from online financing? Do you have a quick reference guide for buying the vehicle that fits their budget and your financing terms? Is the information presented in a complete, forthright, and friendly manner? Does it enlist confidence and trust? Will readers feel they’d get a no-nonsense financing deal from you?</p><p>If these online customers call to ask a few questions, does your finance <a href="https://toptheto.com/gameguardian-apk-safe-and-secure-game-management/" target="_blank" rel="noopener">manager answer them or resort to the former game</a> of “I can only reveal those options when you come in for an interview”? Do they become discouraged by the process of reviewing transactions over the phone? Does your Internet manager always have direct access to your finance manager, avoid posting rates and product pricing on your <a href="https://pagepapi.com/using-blogs-to-turn-your-web-site-into-a-traffic-powerhouse/">Web site</a>, and work well with your sales and finance departments? Have you utilized the I-chat technology to instantly answer your customers’ finance questions? How many phone calls to your finance department go unanswered daily? How are online customer calls being handled in your F&I office?</p><p>Reducing your finance penetration will not only affect the overall performance of your dealership but will negatively affect your reinsurance investment. If your customers are financing with someone else, they could also buy their other products. Take a long and serious look at the insurance products you sell, the agent who works with you, and the changes that must be made to keep you competitive with the technology available to all your customers. You must remain competitive in the products, quality, and prices. Should you be considering a new partner?</p><p>What new and creative processes are you providing your current and potential <a title="5 Strange Ways a WordPress Site Will Get You More Customers" href="https://pagepapi.com/5-strange-ways-a-wordpress-site-will-get-you-more-customers/">customers within your Web site</a>? Do you have WebEx with a preloaded menu available for review with your customers, whether on-site in your finance office or in the comfort of their homes? Have you considered presenting your menu as a virtual finance manager? Why not?</p><p>An upfront sales approach is the best way to reestablish a thriving business in today’s technological world. Teenagers and <a href="https://mqacg.com/uwo-college-students-provide-cleaning-services-all-through-campus/" target="_blank" rel="noopener">college students</a> are facile in using every conceivable tool involving the information highway. They are your future customers. <a href="https://pagepapi.com/blogger-or-wordpress-how-they-compare-2/">They will find Edmunds and every comparable</a> site and use the information to their advantage. Please give them a dozen reasons to buy their vehicle and products from your dealership. Ensure them that <a href="https://pagepapi.com/car-finance-what-you-should-know-about-dealer-finance/">financing their dream car</a> with you is the only sensible choice.</p><p>Although <a href="https://pagepapi.com/computer-internet-security-6-step-plan-of-action/">computer use and Internet</a> technology have been around for several decades, they have taken a giant leap in recent years as more and more consumers realize they can save time and money by letting their fingers do the walking.</p>]]></content:encoded> </item> <item> <title>The Growing Popularity of Free & Casual Games</title> <link>https://pagepapi.com/the-growing-popularity-of-free-casual-games/</link> <dc:creator><![CDATA[Priscilla Lee]]></dc:creator> <pubDate>Sat, 05 Jul 2025 04:33:57 +0000</pubDate> <category><![CDATA[Gaming]]></category> <guid isPermaLink="false">http://pagepapi.com/?p=572</guid> <description><![CDATA[Free online internet gaming has exploded over the past ten years and comprises many game developers, publishers, web portals, and millions of casual game players. Talented game developers are in more limited supply than publishers and portals. Yet, they are steadily growing in store as more companies and brands look for sponsorship deals with high-quality […]]]></description> <content:encoded><![CDATA[<p>Free <a href="https://pagepapi.com/activity-internet-online-marketing-information/">online internet</a> gaming has exploded over the past ten years and comprises many game developers, publishers, web portals, and millions of casual game players. Talented game developers are in more limited supply than publishers and portals. Yet, they are steadily growing in store as more companies and brands look for sponsorship <a href="https://pagepapi.com/deal-or-no-deal-computer-game/">deals with high-quality upcoming free games</a>.</p><p>Wide brand exposure can be gained from sponsoring free <a href="https://pagepapi.com/truth-about-online-games/">online games</a>, and more companies are looking towards game sponsorship and in-game product placement as a serious advertising platform. Portals are in the greatest supply, with many gaming-orientated sites offering the developer’s creations. Indeed, some game <a href="https://pagepapi.com/how-to-find-a-good-web-designer-developer/">developers also offer their web</a> portals, such as Ninjakiwi and Armor Games. These are two more <a href="https://pagepapi.com/what-are-the-top-6-must-have-most-popular-board-games/">popular and innovative gaming</a> developers, with Armor Games holding a top 1000 traffic rating.</p><p><img decoding="async" class="shrinkToFit aligncenter" src="https://media.wired.com/photos/5b47d36c40e30c2ec0dcc949/master/pass/fortnite.jpg" alt="Games" width="857" height="643" title="The Growing Popularity of Free & Casual Games 4"></p><p>Behind such successes are talented flash <a href="https://pagepapi.com/basics-of-computer-game-design/">game designers</a> and coders; one or two experienced designers usually plant the seeds of top free gaming websites. Casual gaming, free and paid downloads, has become so huge <a href="https://graetnewsnetwork.com/create-a-solid-online-presence-to-make-money/" target="_blank" rel="noopener">online that the genre has the greatest presence</a> on the world’s most highly trafficked websites.</p><h3><strong>READ MORE :</strong></h3><ul id="suggestions-list"><li><a href="https://pagepapi.com/the-rapidly-changing-landscape-of-mobile-html5/">The Rapidly Changing Landscape of Mobile HTML5</a></li><li><a href="https://pagepapi.com/the-increasing-surge-of-health-care/">The Increasing Surge of Health Care</a></li><li><a href="https://pagepapi.com/ps3-vs-xbox-360-game-play/">PS3 VS XBOX 360 </a>Gameplay</li><li><a href="https://pagepapi.com/the-law-of-moses-and-the-believer/">The Law of Moses and the Believer</a></li><li><a href="https://pagepapi.com/the-genius-of-wordpress/">The Genius Of WordPress</a></li></ul><p>Ninjakiwi has an in-house team of developers; they own the trendy game brand named Bloons. The first Bloons game was introduced in mid-2007, and the series has been played <a href="https://toptheto.com/uae-pledges-usone-hundred-million-to-worldwide-training/" target="_blank" rel="noopener">hundreds of millions</a> of times. Suppose you compare such an audience exposure rate to the most popular video watched on YouTube. In that case, it is easy to see why advertisers turn to free <a href="https://pagepapi.com/easy-make-money-online-tips/">online</a> games to reach global audiences. What’s more intriguing are the demographics behind casual game players, with a considerable percentage of the audience being <a href="https://mqacg.com/senior-residents-are-replacing-young-adults-as-speedy-meals-employees/" target="_blank" rel="noopener">young adults</a>. This demographic has caught the attention of many blue-chip companies, including mobile giants Orange and O2, who regularly advertise through Mochiads – an in-game preloading ads platform.</p><p>As the advertising revenue for free games increases, so will their <a href="https://pagepapi.com/creative-web-design/">design creativity</a>, detail, and complexity. Developers are creating games targeting certain age ranges, including teens, young adults, and mums.</p><p>Ninjakiwis’ list of games is expanding rapidly. As their brand has received greater exposure over the past year, they have branched out from their original <a href="https://pagepapi.com/dissecting-the-success-of-social-gaming/">success of Bloons to produce other games</a> with different concepts; some have been received with more enthusiasm than others. Some of their accomplishments include:</p><p>Bloons – Including the player packs, more blooms, and even more blooms, tower defense games, hot air balloons,</p><ul><li>Bloons pop 3</li><li>Boombot Games – 1 and 2</li><li>Hotcorn Games – 1 and 2</li><li>Potion Madness</li><li>Powerpool</li><li>Replay Racer – 1 and 2</li><li>Rings</li><li>Shinju</li><li>Sinta</li><li>Zeba</li></ul><p>Ninjakiwi has established a loyal fan base, publishing its range across hundreds of medium- to large-sized gaming portals. One of their advertising platforms is through the previously mentioned Mochiads, a major advertising platform for game developers and game publishers who earn revenue from publishing games. A small advert is shown while each game loads in a web browser; developers and publishers <a href="https://pagepapi.com/top-tips-on-how-to-earn-money-from-home/">earn money</a> from game impressions and advert clicks.</p><p>The other free games developer, Armor Games, is the larger of the 2. Armor develops in-house games and sponsors independent developers, funding their creations and offering revenue sharing across their advertising platform. Armor Games has a much more extensive range of games than Ninjakiwi and has financed the result of some of the most imaginative games on the internet; a list of some of their best games is compiled below:</p><ul><li>Armed with Wings – 1 and 2</li><li>Crush the Castle</li><li>Hedgehog Launch</li><li>Hedgehog Launch 2</li><li>Fancy Pants Adventure – 1 and 2</li><li>Gemcraft</li><li>Gemcraft Chapter 0</li><li>The Last Stand 1 & 2</li><li>Pillage the Village</li><li>Sonny</li><li>Sonny 2</li><li>Warfare 1917</li></ul><p>It is common to find developers and portals sharing each other’s games. This idea was originally invoked by Miniclip.com, the biggest casual free <a href="https://mqacg.com/home-care-providers-need-to-get-into-the-real-estate-game/" target="_blank" rel="noopener">game provider</a> on the internet. Their success grew from allowing web admins to publish their games on thousands of smaller sites. Sharing and <a href="https://pagepapi.com/how-a-mobile-app-can-create-a-roadmap-to-customer-success/">creating viral copies of successful</a> games can prove a very lucrative online strategy.</p><p>There are many more high-quality game developers, publishers, and portals, including Crazy Monkey Games, <a href="https://toptheto.com/a-take-a-look-at-gaming-addiction/" target="_blank" rel="noopener">Addicting Games</a>, Newgrounds, and Kongregate. Free game production has also seen the remake of many classic arcade games, which will delight fans of the 80s arcade.</p><p><a href="https://toptheto.com/classic-turn-based-multiplayer-game-gunbound/" target="_blank" rel="noopener">Classic games</a> such as PacMan, Ms. PacMan, Space Invaders, Pong, and Frogger have all been remade using Flash and are now available <a href="https://pagepapi.com/play-battleships-game-online-for-free-no-download-required/">as free online games</a>. Paul Neave, a talented Flash developer, is responsible for such reproductions.</p><p>More comprehensive flash <a href="https://pagepapi.com/game-of-the-year-watch-2017/">gaming communities have sprung up within this landmark </a>ten-year period of growth. One example of a trendy community is MechQuest, one of the current five flash games created by Artix Entertainment. MechQuest is an online Fantasy/Sci-Fi Web <a href="https://pagepapi.com/the-top-5-must-play-rpgs-for-every-video-game-console/">RPG game</a> that offers both a free and premium paid side. The game is built using Flash and has millions of members in its community. Striking a balance between casual and hardcore gameplay, it offers a compromise, allowing players who do not wish to spend all day at their PCs a simple multiplayer experience.</p><p>Of course, free online games such as MechQuest, AdventureQuest, DragonFable, ArchKnight, and BattleOn.com are a <a href="https://pagepapi.com/4-steps-to-establishing-your-online-business/">step in the right direction for what online</a> gaming should be about (if we are looking from a healthy perspective); they offer gamers a balanced dosage of online fun which don’t require a lifelong commitment to progress and gain in-game rewards. The opposite would be games such as World of Warcraft, designed to reward excessive gameplay.</p><p>The free games <a href="https://pagepapi.com/affiliate-marketing-10-rapid-start-bullets-for-free-traffic/">market will continue its rapid</a> growth in the foreseeable future, and more developers will enter it. Whether Flash will remain the market’s main publishing platform remains to be seen, but for now, it will keep its dominant position with all free online game developers using it. Fans can expect to find more elaborate free online flash games being introduced in the coming years as free games compete and encroach upon paid game audiences.</p>]]></content:encoded> </item> <item> <title>Revenue-Based Financing for Technology Companies</title> <link>https://pagepapi.com/revenue-based-financing/</link> <dc:creator><![CDATA[Priscilla Lee]]></dc:creator> <pubDate>Sat, 05 Jul 2025 04:22:56 +0000</pubDate> <category><![CDATA[Featured]]></category> <guid isPermaLink="false">http://pagepapi.com/?p=564</guid> <description><![CDATA[WHAT IS REVENUE-BASED FINANCING? Revenue-based financing (RBF), or royalty-based financing, is a unique form of financing provided by RBF investors to small- to mid-sized businesses in exchange for an agreed-upon percentage of a business’s gross revenues. The capital provider receives monthly payments until his invested capital is repaid and multiple invested capital. Investment funds that […]]]></description> <content:encoded><![CDATA[<h2>WHAT IS REVENUE-BASED FINANCING?</h2><p>Revenue-based <a href="https://pagepapi.com/can-finance-really-become-a-strategic-partner-to-the-business/">financing (RBF), or royalty-based financing, is a unique form of financing provided by RBF investors to small- to mid-sized businesses</a> in exchange for an agreed-upon percentage of a business’s gross revenues. The capital provider receives monthly payments until his invested capital is repaid and multiple invested capital.</p><p><a href="https://pagepapi.com/finance-credit-investments/">Investment funds that provide this unique form of financing</a> are known as RBF funds.</p><p><img decoding="async" class="shrinkToFit aligncenter" src="https://bernardmarr.com/wp-content/uploads/2022/04/The-10-Biggest-Technology-Trends-That-Will-Transform-The-Next-Decade.jpg" alt="Technology" width="963" height="643" title="Revenue-Based Financing for Technology Companies 6"></p><h3>TERMINOLOGY</h3><ul><li>– The monthly payments are referred to as royalty payments.</li><li>– The percentage of revenue the business pays<a href="https://pagepapi.com/four-questions-on-business-loan-interest-rates-answered/"> to the capital provider is the royalty rate</a>.</li><li>– The multiple of <a href="https://pagepapi.com/why-small-businesses-need-to-invest-in-mobile-marketing/">invested capital paid by the business</a> to the capital provider is referred to as a cap.</li></ul><h3>CASE STUDY</h3><ul id="suggestions-list"><li><a href="https://pagepapi.com/an-overview-of-software-patenting/">An Overview of Software Patenting</a></li><li><a href="https://pagepapi.com/crucial-tips-for-internet-marketers/">Crucial Tips for Internet Marketers</a></li><li><a href="https://pagepapi.com/popular-apps-for-windows-phone-development/">Popular Apps for Windows Phone Development</a></li><li><a href="https://pagepapi.com/top-tips-on-shopping-for-discount-software/">Top Tips on Shopping for Discount Software</a></li><li><a href="https://pagepapi.com/fashion-industry-ready-to-face-the-future/">Fashion Industry: Ready To Face The Future</a></li></ul><p>Most RBF capital providers seek a 20% to 25% return on their investment. Let’s use a straightforward example: If a <a href="https://pagepapi.com/will-computers-ever-meet-the-expectations-of-small-businesses/">business receives $1M from an RBF capital provider, the company is expected</a> to repay $200,000 to $250,000 per year to the capital provider. That amounts to about $17,000 to $21,000 paid per month by the business to the investor. As such, the capital provider expects to receive the invested capital back within 4 to 5 years.</p><h2>WHAT IS THE ROYALTY RATE?</h2><p>Each capital provider determines its own expected royalty rate. In our simple example above, we can work backward to determine the rate.</p><p>Let’s assume the business produces $5M in annual gross revenues. As indicated above, they received $1M from the capital provider. They are paying $200,000 back to the investor each year. The royalty rate in this example is $200,000/$5M = 4%</p><h2>VARIABLE ROYALTY RATE</h2><p>The royalty payments are proportional to the business’s top line. Everything else being equal, the higher the revenues the business generates, the higher the monthly royalty payments the business makes to the capital provider.</p><p>Traditional debt consists of fixed payments. Therefore, the RBF scenario seems unfair. In a way, the business owners are punished for their hard work and success in growing the business.</p><p>To remedy this problem, most royalty <a href="https://graetnewsnetwork.com/the-best-car-deals-low-finance-rates-vs-rebates-which-should-you-choose/" target="_blank" rel="noopener">financing agreements incorporate a variable royalty rate</a> schedule. In this way, the higher the revenues, the lower the royalty rate applied.</p><p>The exact sliding scale schedule is negotiated between the parties involved and clearly outlined in the term sheet and contract.</p><h4>HOW DOES A BUSINESS EXIT THE REVENUE-BASED FINANCING ARRANGEMENT?</h4><p>Every business, especially technology <a href="https://pagepapi.com/top-marketing-strategies-to-grow-your-business-in-2014/">businesses that grow</a> very quickly will eventually outgrow their need for this form of financing.</p><p>As the business balance sheet and income statement become stronger, the business will move up the financing ladder and attract the attention of more traditional financing solution providers. The company may become eligible for conventional debt at cheaper interest rates. As such, every revenue-based financing agreement outlines how a company can buy down or buy out the capital provider.</p><h2>Buy-Down Option:</h2><p>The <a href="https://graetnewsnetwork.com/benefits-of-mobile-websites-for-business-owners-and-how-to-design-a-mobile-website/" target="_blank" rel="noopener">business owner</a> always has an option to buy down a portion of the royalty agreement. The specific terms for a buy-down option vary for each transaction.</p><p>Generally, the capital provider expects to receive a specific percentage (or multiple) of its invested capital before the business owner can exercise the buy-down option.</p><p>The business owner can exercise the option by making single or multiple lump-sum payments to the capital provider. The price buys down a certain percentage of the royalty agreement. A proportional rate will then reduce the invested capital and monthly royalty payments.</p><h2>Buy-Out Option:</h2><p>Sometimes, the business may <a href="https://pagepapi.com/buy-finance-or-lease-how-should-i-pay-for-my-new-car/">buy out and extinguish the entire royalty financing</a> agreement. This often occurs when the company is sold and the acquirer chooses not to continue the financing arrangement. Or when the company has become strong enough to access cheaper sources of financing and wants to restructure itself financially.</p><p>In this scenario, the <a href="https://mqacg.com/email-from-whole-foods-launched-my-entire-business/" target="_blank" rel="noopener">business can buy out the entire</a> royalty agreement for a predetermined multiple of the aggregate invested capital. This multiple is commonly referred to as a cap. The specific terms for a buy-out option vary for each transaction.</p><h2>USE OF FUNDS</h2><p>There are generally no restrictions on how a business can use RBF capital. Unlike in a traditional debt arrangement, there are few restrictive debt covenants on how the company can use the funds. The capital provider allows the business managers to use the <a href="https://pagepapi.com/quant-funds-what-are-they-and-why-should-you-invest-in-them/">funds</a> as they see fit to grow the business.</p><h2>Acquisition financing:</h2><p>Many technology businesses use RBF funds to acquire other companies to ramp up their growth. RBF capital providers encourage this change because it increases the revenues to which their royalty rate can be applied.</p><p>As the business grows by acquisition, the RBF fund receives higher royalty payments and benefits from the growth. As such, RBF funding can be a great source of acquisition financing for a technology company.</p><h4>BENEFITS OF REVENUE-BASED FINANCING TO TECHNOLOGY COMPANIES</h4><h3>No assets, No personal guarantees, No traditional debt:</h3><p>Technology businesses are unique because they rarely have conventional hard assets like <a href="https://pagepapi.com/seller-real-estate-financing-is-ideal-for-retiring-baby-boomers/">real estate</a>, machinery, or equipment. Technology companies are driven by <a href="https://toptheto.com/saint-teresas-blue-bordered-sari-an-intellectual-property-now/" target="_blank" rel="noopener">intellectual capital and intellectual property</a>.</p><p>These intangible IP assets are difficult to value, so traditional <a href="https://mqacg.com/yes-bank-drops-out-of-indias-pinnacle-10-most-valued-lenders/" target="_blank" rel="noopener">lenders give them little to no value</a>. This makes it extremely difficult for small- to mid-sized <a href="https://mqacg.com/technology-tradition-and-vision-combine-to-boom-commercial-enterprise-efficiency-oracle-report/" target="_blank" rel="noopener">technology companies to access traditional</a> financing.</p><p>Revenue-based financing does not require a <a href="https://pagepapi.com/important-7-search-engine-marketing-techniques-for-any-local-business-website/">business</a> to collateralize the financing with any assets. No personal guarantees are required of the business owners. In a traditional <a href="https://pagepapi.com/5-tips-to-pick-a-suitable-home-loan-bank/">bank loan</a>, the bank often requires personal guarantees from the owners and pursues the owners’ assets in the event of a default.</p><h4>RBF capital provider’s interests are aligned with the business owner:</h4><p>Technology businesses can scale up faster than traditional businesses. As such, revenues can ramp up quickly, enabling the company to pay down the royalty soon. On the other hand, a poor product brought to <a href="https://pagepapi.com/your-internet-marketing-business-and-youtube/">market can quickly destroy business</a> revenues.</p><p>A traditional creditor, such as a bank, receives fixed debt payments from a business debtor regardless of whether the business grows or shrinks. During lean times, the company makes the same debt payments to the bank.</p><p>An RBF capital provider’s interests are aligned with the business owner. If the business revenues decrease, the RBF capital provider receives less money. If the business revenues increase, the capital provider receives more money.</p><p>As such, the RBF provider wants the business revenues to grow quickly to share in the upside. All parties benefit from the revenue growth in the business.</p><h2>High Gross Margins:</h2><p>RBF funds seek businesses with high margins that can comfortably afford the monthly royalty payments. Most technology businesses generate higher gross margins than traditional businesses. These higher margins make RBF affordable for technology businesses in many different sectors.</p><h3>No equity, No board seats, No loss of control:</h3><p>The capital provider shares in the business’s <a href="https://pagepapi.com/internet-business-case-studies-of-success-and-failure/">success but receives no equity</a>. The cost of capital in an RBF arrangement is cheaper in financial & operational terms than a comparable equity investment.</p><p>RBF capital providers have no interest in being involved in business management. The extent of their active involvement in reviewing monthly revenue reports received from the business <a href="https://mqacg.com/dispatch-bolsters-management-team/" target="_blank" rel="noopener">management team</a> to apply the appropriate RBF royalty rate.</p><p>A traditional equity investor expects to have a strong voice in managing the business. He expects a board seat and some level of control.</p><p>A traditional equity investor expects to receive a significantly higher multiple of his invested capital when the business is sold. He takes a higher risk as he rarely gets financial compensation until the company is sold.</p><h2>Cost of Capital:</h2><p>The RBF capital provider receives payments each month. It does not need the business to be sold to earn a return. This means that the RBF capital provider can afford to accept lower returns. This is why it is cheaper than traditional equity.</p><p>On the other hand, RBF is riskier than traditional debt. A bank receives fixed monthly payments regardless of the business’s financials. The RBF capital <a href="https://mqacg.com/5g-shipping-safety-what-provider-companies-want-to-evolve-part-2-of-two/" target="_blank" rel="noopener">provider can lose his entire investment if the company</a> fails.</p><p>On the balance sheet, RBF sits between a bank loan and equity. As such, RBF is generally more expensive than traditional debt <a href="https://pagepapi.com/equity-financing-6-key-strategies/">financing but cheaper than traditional equity</a>.</p><h3>Funds can be received in 30 to 60 days:</h3><p>Unlike traditional debt or equity investments, RBF does not require months of due diligence or complex valuations. As such, the turnaround time between delivering a term sheet for <a href="https://graetnewsnetwork.com/the-new-rule-for-buying-a-home-using-owner-financing/" target="_blank" rel="noopener">financing to the business owner</a> and the funds disbursed to the business can be as little as 30 to 60 days.</p>]]></content:encoded> </item> <item> <title>Get Your Law School Experience Tips From Redditors</title> <link>https://pagepapi.com/get-your-law-school-experience-tips-from-redditors/</link> <dc:creator><![CDATA[Priscilla Lee]]></dc:creator> <pubDate>Sat, 05 Jul 2025 02:46:20 +0000</pubDate> <category><![CDATA[Education]]></category> <guid isPermaLink="false">https://pagepapi.com/?p=7840</guid> <description><![CDATA[Reddit, the 4th most popular website globally, is a hub for internet-based communities. There are many subreddits, each one focusing on a specific topic. If you’re considering going to law school, check out r/LawSchool, a place where real-life college students share their experiences as practicing lawyers and how to manage this lifestyle. Here’s what Redditors […]]]></description> <content:encoded><![CDATA[<p data-pm-slice="1 1 []">Reddit, the 4th most popular website globally, is a hub for internet-based communities. There are many subreddits, each one focusing on a specific topic. If you’re considering going to <a href="https://en.wikipedia.org/wiki/Law_school" target="_blank" rel="noopener">law school</a>, check out r/LawSchool, a place where real-life college students share their experiences as practicing lawyers and how to manage this lifestyle. Here’s what Redditors have posted.</p><h3>Introduction to law school experiences</h3><p>When starting law school, one of the most important things to do is to get involved in the community. This can be done by joining a student organization, attending events, or meeting <a href="https://pagepapi.com/a-computer-training-class-can-have-huge-benefits-for-all-people/">people in your classes</a>. Getting involved helped me make friends and learn about the school.</p><p><img decoding="async" src="https://michigan.law.umich.edu/sites/default/files/styles/primary_hero_scale_and_crop_630px_350px_/public/2021-04/Beauty_ReadingRoomInside.jpg" alt="https://michigan.law.umich.edu/sites/default/files/styles/primary_hero_scale_and_crop_630px_350px_/public/2021-04/Beauty_ReadingRoomInside.jpg" title="Get Your Law School Experience Tips From Redditors 8"></p><h3>What to Expect in Law School</h3><p>In law school, you will learn about the legal system and apply the law to specific situations. During law school, you’ll understand how the legal system influences society and apply those principles to cases. As a paralegal, you’ll help attorneys with legal research, document review, drafting, <a href="https://graetnewsnetwork.com/jayalalithaas-health-cases-filed-against-traffic-ramaswamy/" target="_blank" rel="noopener">case </a>filekeeping, and other tasks. To do this, <a href="https://graetnewsnetwork.com/these-9-seo-tips-are-all-youll-ever-need-to-rank-in-google/" target="_blank" rel="noopener">you’ll need</a> a strong background in the law. During your first few years as a paralegal, you may work as a “trial lawyer assistant.”</p><h3>The Best Way to Get Involved in Law School</h3><p>Attending an information session is the best way to get involved in law school. These sessions provide an overview of the admissions process, curriculum, and student life. Students are encouraged to ask questions. Students who attend at least three sessions are entered into a raffle to win a $500 scholarship. The information sessions are hosted at various locations and <a href="https://toptheto.com/the-solar-six-times-throughout-5-year-detention/" target="_blank" rel="noopener">times throughout</a> the year. Please click the link below for the next information session, or check back here for updates. The site and time of each session are subject to change.</p><h3>How to Make the Most of Your Law School Experience</h3><p>If you’re starting law school this <a href="https://toptheto.com/this-year-with-video-search-engine-marketing/" target="_blank" rel="noopener">year</a>, or even if you’re already a few years in, it’s never too late to learn how to make the most of your experience. In this program, you’ll learn how to plan your law school career and build a professional practice while still in school. You’ll also explore the options for a job outside of law school—and learn which paths are right for you.</p><p><strong>Things you should keep in your Mind</strong></p><ul><li>What are the <a href="https://toptheto.com/5-benefits-of-customer-loyalty-programs/" target="_blank" rel="noopener">benefits of taking this program</a>?</li><li>What will I learn about planning my law school career?</li><li>What will I learn about building a professional practice?</li><li>What are the options for building a career outside of law school?</li><li>Which paths are right for me?</li></ul><h3>Surviving and Thriving in Law School</h3><p>Law school can be an overwhelming and challenging experience, but it is possible to thrive with hard work and perseverance. The most <a href="https://pagepapi.com/important-things-every-traveller-should-know-before-visiting-barcelona/">important thing</a> to remember is to stay organized and develop a study routine that works for you. Seek help from professors and classmates when needed, and use the law school’s resources.</p><h3>The Most Memorable Moments in Law School</h3><p>There are many memorable moments in law school, but some of the most notable are the first time you argue in court, the first time you win a case, and the first time you make a legal argument. It’s truly a thrilling moment. It is the perfect way to start your legal career and realize you are a capable, confident lawyer. There are many memorable moments in law school, but some of the most notable are the first time you argue in court, the first time you win a case, and the first time you make a legal argument. It’s truly a thrilling moment.</p><h3>How to choose the right law school for you</h3><p>It would help to consider<a href="https://graetnewsnetwork.com/things-to-consider-before-choosing-a-piano-mover/" target="_blank" rel="noopener"> a few things when choosing</a> the right law school. First, think about what you want to get out of law school. Do you want to practice law? Work in the legal field? Then, you’ll want to find a law school that <a href="https://mqacg.com/privatisation-of-railways-will-boost-cost-of-educate-offerings-fear-unions/" target="_blank" rel="noopener">offers an excellent legal education</a>. Now that you have a legal education and additional training, it’s time to start looking for jobs. Many law school graduates begin their careers as legal associates. This is typically the first job for people who attend an in-state law school. Most legal associates start by working under the supervision of more experienced attorneys. The work they do depends on what type of firm they work for.</p><h3>The cost of law school</h3><p>Law school is expensive, but it is worth it in the end. Unlike undergraduate programs, law school tuition is not free. Attending a top law school can cost thousands of dollars per year. Still, the bottom line is that a law degree pays off in the long run. Most graduates earn over $100,000 annually, and many earn six-figure salaries upon graduation. Law school provides a solid foundation for an impressive career. According to U.S. News data, the median wage for top-paying jobs with a law degree was $165,200 in 2018.</p><h3>The workload of law school</h3><p>The workload of law school can be very demanding. Students are often required to read large quantities of material and complete lengthy assignments. In addition, they <a href="https://toptheto.com/facebook-must-face-biometric-privacy-class-action-after-losing-appeal/" target="_blank" rel="noopener">must participate in class</a> discussions and prepare for exams. <a href="https://pagepapi.com/which-undergraduate-classes-should-i-take-before-law-school/">Law school</a> is a rigorous program that requires work and dedication. However, with hard work, diligence, and perseverance, law school can be a rewarding experience. A successful outcome in law school will depend on the student’s ability to master complex concepts, keep up with reading assignments, prepare for exams, and participate in class discussions.</p><h3>Conclusion</h3><p>The law school experience can be challenging, but it is also gratifying. If you are looking for a place to learn about the law and network with other <a href="https://toptheto.com/maldives-legal-professional-widespread-says-court-can-not-oust-president/" target="_blank" rel="noopener">legal professionals</a>, then a law school is the right place. The Reddit community is an excellent resource for law students; you can find lots of information and advice there. Take advantage of all your law school has to offer, and you will be on your way to a successful legal career.</p>]]></content:encoded> </item> <item> <title>Merits and Demerits of Equity Finance</title> <link>https://pagepapi.com/merits-and-demerits-of-equity-finance-2/</link> <dc:creator><![CDATA[Priscilla Lee]]></dc:creator> <pubDate>Sat, 05 Jul 2025 01:46:02 +0000</pubDate> <category><![CDATA[Finance]]></category> <guid isPermaLink="false">http://pagepapi.com/?p=552</guid> <description><![CDATA[Buying a car is usually the second biggest investment in a person’s life, and financing the purchase of a car is commonplace nowadays, especially if the vehicle in question is of any substantial value. For most people, buying a new or used vehicle of any worth outright for cash isn’t possible. So car finance gives […]]]></description> <content:encoded><![CDATA[<p><a href="https://pagepapi.com/buy-finance-or-lease-how-should-i-pay-for-my-new-car/">Buying a car</a> is usually the second biggest investment in a person’s life, and financing the purchase of a car is commonplace nowadays, especially if the vehicle in question is of any substantial value. For most people, <a href="https://graetnewsnetwork.com/will-indians-start-buying-fewer-cars/" target="_blank" rel="noopener">buying a new or used </a>vehicle of any worth outright for cash isn’t possible. So <a href="https://pagepapi.com/perfect-car-insurance-options-for-your-deals-here/">car finance gives you the option</a> to purchase and ultimately own a vehicle that you may not otherwise be able to, much like how a mortgage is taken out to pay for a house.</p><p>Even if you do have the <a href="https://pagepapi.com/great-money-saving-tips-when-buying-consumer-electronics-gadgets/">savings or means to buy</a> a car outright, it is still sometimes a more sensible option to finance the purchase, as it allows you to release your money bit by bit in a controlled manner instead of having all of it tied up in a vehicle, that could potentially get stolen, written off or depreciate considerably.</p><p>The <a href="https://pagepapi.com/car-finance-what-you-should-know-about-dealer-finance/">car finance</a> industry is massive, and if you are considering financing a new car, there are many things to consider and be aware of to help you get approved car finance. There are several different sources to apply for and obtain car finance, with the obvious one being from the vehicle dealership itself. Still, you could also obtain finance from major banks only, in <a href="https://mqacg.com/thiefs-rapid-meals-spree-after-stealing-glasgow-puregym-goers-financial-institution-playing-cards/" target="_blank" rel="noopener">financial institutions</a> and companies.</p><p><img decoding="async" class="shrinkToFit aligncenter" src="https://www.aicgim.in/wp-content/uploads/2018/06/5_0016_apple-brainstorming-business-908288.jpg" alt="Finance" width="982" height="643" title="Merits and Demerits of Equity Finance 10"></p><p>Financing the purchase of a vehicle through the dealership is usually the most convenient option. However, there are a few <a href="https://pagepapi.com/things-to-fix-in-your-car-before-you-sell-it/">things</a> you should be mindful of before approaching one. Financing through a dealership can often be ‘high pressure’; this is usually because the salesperson will be working on a commission basis, so they will be pushing for certain add-ons and packages that, at the outset, may look worthwhile but may cost you considerably more. Examples of this commission-based ad include insurance, extended warranties, and extra options for the actual vehicle itself to push the sale value up. If you are financing, it can be harder to see how much these things <a href="https://pagepapi.com/computers-what-are-they-costing-our-children/">cost</a> as they are effectively ‘hidden’ and divided over the loan’s monthly payments or the term.</p><h3><strong>READ MORE : </strong></h3><div class="meta-box-body"><table class="form-table"><tbody><tr><td><ul id="suggestions-list"><li><a href="https://pagepapi.com/pros-and-cons-of-the-major-operating-systems/">Pros and Cons of the Major Operating Systems</a></li><li><a href="https://pagepapi.com/a-review-of-the-seopressor-wordpress-plugin/">A Review of the SEOPressor WordPress Plugin</a></li><li><a href="https://pagepapi.com/free-and-essential-wordpress-plugins-for-2012/">Free and Essential WordPress Plugins for 2012</a></li><li><a href="https://pagepapi.com/five-tech-tips-to-punch-up-your-nonprofit-communications/">Five Tech Tips to Punch Up Your Nonprofit Communications</a></li><li><a href="https://pagepapi.com/the-spiritual-side-of-the-shootings-at-va-tech/">The Spiritual Side of the Shootings at VA Tech</a></li></ul></td></tr></tbody></table></div><div id="major-publishing-actions"><div id="publishing-action">Obtaining <a href="https://graetnewsnetwork.com/the-best-car-deals-low-finance-rates-vs-rebates-which-should-you-choose/" target="_blank" rel="noopener">car finance</a> away from the dealership with a bank or online institution can give you more control without the pressure of the sales push. Once approved, you have your budget and know exactly how much you can spend, again giving you more control when negotiating a price with a salesperson. However, because the finance has nothing to do with the dealership or wherever you’re purchasing the vehicle from, you may not get as much <a href="https://toptheto.com/android-p-may-bring-native-call-recording-support/" target="_blank" rel="noopener">support</a> and after-sales care as you would if you financed the purchase through them.</div><div></div><div>When applying for vehicle finance, several factors determine whether you get approved and, if you do, what rate you will pay. <a href="https://pagepapi.com/four-questions-on-business-loan-interest-rates-answered/">Interest rates</a> can vary vastly, and probably the most influential factor on the interest rate offered to you will be your credit history. But, the better your <a href="https://graetnewsnetwork.com/travel-hotel-industries-seek-further-clarity-on-tax-rate-credits-under-gst/" target="_blank" rel="noopener">credit rating</a>, the lower the rate will be, and the worse it is, the higher the amount you pay back to the lender due to an increased rate. Another major factor impacting the interest rate of car <a href="https://pagepapi.com/a-description-and-history-of-accounts-receivable-financing-loans/">finance is the loan</a> term – i.e., the actual period it will be paid back over. Usually, the shorter the period, the lower the rate, and it increases correspondingly as the term period is extended. Also, if you want to finance a used car, you will probably have to pay a higher rate than buying a brand-new vehicle, which is an important factor to <a href="https://graetnewsnetwork.com/things-to-consider-before-choosing-a-piano-mover/" target="_blank" rel="noopener">consider</a> before buying.</div><div></div><div>Your address and geographic location can also influence the interest rate offered, as can your profession, work history, etc. When applying for car finance, be prepared to answer several questions based on these areas. Before going to a dealership to purchase and finance a car, it is good to research and be aware of current rates. It offers from competing companies and banks so that you are not entering into it completely blind and can bring them up during the application process if necessary to aid you in any negotiations. When financing the purchase of a vehicle of any substantial value, you will most likely have to pay a deposit upfront, which will represent a minimum percentage of the overall value of the car and demonstrates your commitment to the lender and the dealership, as well as helping to cover any admin <a href="https://pagepapi.com/beauty-at-any-cost-helping-young-women-avoid-this-dangerous-trap/">costs</a>, etc.</div><div></div><div>It is always advisable to put down as much as you can afford on the deposit, especially if it is an expensive car, as this will help to lower the monthly payments, give you a little breathing space and control, lessen the likely hood of you going into negative equity if you want to get rid of the vehicle, and also increase the likelihood of you getting approved for the car finance in the first place. <a href="https://pagepapi.com/this-thing-we-call-the-internet/">This is probably the most important thing</a> to consider when financing the purchase of a valuable vehicle. If, at some point down the line of the agreement, you become unable to continue paying the monthly payments, or if you <a href="https://pagepapi.com/7-reasons-why-people-dont-succeed-in-internet-business-and-how-to-avoid-them/">don’t want the car any longer for whatever reason</a>, you want to either effectively be able to hand it back to the dealership without owing anything outstanding or to sell it yourself privately without having to cover any potentially sizable negative equity before doing so. It is your initial deposit that can help prevent this from happening in most cases.</div><div></div><div>It is never a good idea to <a href="https://graetnewsnetwork.com/car-finance-what-you-should-know-about-dealer-finance/" target="_blank" rel="noopener">finance a car</a> purchase with a very low or even nil deposit, as it will likely result in your payments being much greater. If you want to release or <a href="https://graetnewsnetwork.com/maruti-hyundai-sell-over-45k-cars-on-dhanteras/" target="_blank" rel="noopener">sell the car</a>, you could very well still owe the lender more than the current value of the vehicle itself, as many cars (especially brand new ones) can depreciate considerably and surprisingly quickly after the purchase, so put down as much as you can upfront to cover yourself for any such eventualities. Before committing, you should ensure you are completely aware of the total financed amount, as this will properly illustrate to you the amount you are ultimately paying for the car and whether it is actually worth it or not.</div><div></div><div>Generally speaking, you should consider car finance as long as you can obtain a competitive interest rate and sensible terms that will allow you to afford the monthly payment comfortably. You should also be able to comfortably put a decent deposit down upfront that represents a substantial percentage of the overall value. Finally, remember that even if you can comfortably afford the deposit and monthly payments, whether or not the overall financed amount is representative of the actual worth of the vehicle you want to own.</div></div>]]></content:encoded> </item> <item> <title>Alternative Financing</title> <link>https://pagepapi.com/alternative-financing/</link> <dc:creator><![CDATA[Priscilla Lee]]></dc:creator> <pubDate>Sat, 05 Jul 2025 01:16:20 +0000</pubDate> <category><![CDATA[Finance]]></category> <guid isPermaLink="false">http://pagepapi.com/?p=528</guid> <description><![CDATA[Alternative bank financing has significantly increased since 2008. In contrast to bank lenders, alternative lenders typically place greater importance on a business’s growth potential, future revenues, and asset values rather than its historic profitability, balance sheet strength, or creditworthiness. Alternative lending rates can be higher than traditional bank loans. However, the higher cost of funding […]]]></description> <content:encoded><![CDATA[<p>Alternative <a href="https://toptheto.com/subscribe-to-au-small-finance-bank-hem-securities/" target="_blank" rel="noopener">bank financing</a> has significantly increased since 2008. In contrast to bank lenders, alternative lenders typically place greater <a href="https://mqacg.com/aircraft-interior-cleaning-services-market-will-enjoy-a-important-growth-during/" target="_blank" rel="noopener">importance on a business’s growth</a> potential, future revenues, and asset values rather than its historic profitability, balance sheet strength, or creditworthiness.</p><p>Alternative lending rates can be higher than traditional <a href="https://pagepapi.com/5-tips-to-pick-a-suitable-home-loan-bank/">bank loans</a>. However, the higher cost of funding may often be an acceptable or sole alternative in the absence of conventional financing. What follows is a rough sketch of the alternative lending landscape.</p><p><img decoding="async" class="aligncenter" src="https://aws.wideinfo.org/pagepapi.com/wp-content/uploads/2017/07/07085517/20160128204324-small-business-owner-tax-deductions-breaks-accountant-accounting-forms-receipts-irs-taxpayer.jpeg" alt="Financing" width="1300" height="867" title="Alternative Financing 12"></p><p>Factoring is the <a href="https://pagepapi.com/a-description-and-history-of-accounts-receivable-financing-loans/">financing of account receivables</a>. Factors are more focused on the receivables/collateral rather than the strength of the balance sheet. Characteristics lend funds up to a maximum of 80% of receivable value. Foreign receivables are generally excluded, as are stale receivables. Receivables older than 30 <a href="https://pagepapi.com/best-post-amazon-prime-day-sales-ipad-pro-discounts-new-samsung-galaxy-s8-deal-and-more/">days and any receivable concentrations are usually discounted</a> over 80%. Factors manage generally the bookkeeping and collections of receivables. Factors typically charge a fee plus interest.</p><h3><strong>READ MORE : </strong></h3><ul id="suggestions-list"><li><a href="https://pagepapi.com/android-mobile-operating-system/">Android Mobile Operating System</a></li><li><a href="https://pagepapi.com/practical-mobile-marketing/">Practical Mobile Marketing</a></li><li><a href="https://pagepapi.com/the-11-forgotten-laws-review/">The 11 Forgotten Laws Review</a></li><li><a href="https://pagepapi.com/alternative-financing-for-wholesale-produce-distributors/">Alternative Financing for Wholesale Produce Distributors</a></li><li><a href="https://pagepapi.com/the-48-laws-of-power-through-spirituality/">The 48 Laws of Power Through Spirituality</a></li></ul><p>Asset-based lLending is financing assets such as inventory, equipment, machinery, <a href="https://pagepapi.com/seller-real-estate-financing-is-ideal-for-retiring-baby-boomers/">real estate</a>, and certain intangibles. Asset-based lenders generally lend no greater than 70% of the assets’ value. Asset-based loans may be term or bridge loans. Asset-based lenders usually charge a closing fee and interest. Appraisal fees are required to establish the value of the asset(s).</p><p>Sale and lease-back Financing. This method of financing involves simultaneously selling real estate or equipment at a market value usually established by an appraisal and leasing the asset back at a market rate for 10 to 25 years. A lease payment offsets financing. Additionally, a <a href="https://toptheto.com/how-to-calculate-capital-gains-and-tax-liability-on-inherited-property/" target="_blank" rel="noopener">tax liability</a> may have to be recognized on the sale transaction.</p><p>Purchase Order Trade Financing is a fee-based, short-term loan. If the manufacturer’s credit is acceptable, the purchase order (PO) lender issues a Letter of Credit to the manufacturer, guaranteeing payment for products meeting pre-established standards. Once the products are inspected, they are shipped to the customer (often manufacturing facilities are overseas), and an invoice is generated. At this point, the bank or other source of funds pays the PO lender for advanced funds. Once the PO lender receives payment, it subtracts its fee and remits the balance to the business. PO financing can be a cost-effective alternative to maintaining inventory.</p><h2>Non-Bank Financing</h2><p>Tiny businesses that do not accept credit cards generally access cash flow financing. When applicable, the lenders utilize software to review online sales, banking transactions, bidding histories, shipping information, customer <a href="https://pagepapi.com/facebook-fan-pages-key-to-social-media-marketing/">social media</a> comments/ratings, and restaurant health scores. These metrics provide data evidencing consistent sale quantities, revenues, and quality. Loans are usually short-term and for small amounts. Annual effective <a href="https://pagepapi.com/four-questions-on-business-loan-interest-rates-answered/">interest rates</a> can be hefty. However, loans can be funded within a day or two.</p><p>Merchant Cash Advances are based on credit/debit card and electronic payment-related revenue streams. Advances may be secured against cash or future <a href="https://pagepapi.com/personal-finances-kissing-your-checking-and-credit-card-accounts/">credit card sales and typically do not require personal</a> guarantees, liens, or collateral. Advances have no fixed payment schedule and no business-use restrictions. Funds can be used to purchase new equipment, inventory, expansion, remodeling, the payoff of debt or taxes, and emergency funding. Generally, restaurants and other retailers that do not have <a href="https://pagepapi.com/customer-finance-programs-key-to-increasing-sales/">sales invoices utilize this form of financing</a>. Annual interest rates can be onerous.</p><p><a href="https://pagepapi.com/revenue-based-financing-for-technology-companies/">Finance companies</a> or private lenders may offer nonbank Loans. Repayment terms may be based on a fixed amount, a percentage of <a href="https://graetnewsnetwork.com/financing-cash-flow-peaks-and-valleys/" target="_blank" rel="noopener">cash flows</a>, and a share of equity in the form of warrants. Generally, all times are negotiated. Annual rates are usually significantly higher than traditional bank financing.</p><p>Community Development <a href="https://mqacg.com/thiefs-rapid-meals-spree-after-stealing-glasgow-puregym-goers-financial-institution-playing-cards/" target="_blank" rel="noopener">Financial Institutions</a> (CDFIs) usually lend to micro and non-creditworthy businesses. CDFIs can be likened to small community banks. CDFI financing is generally for small amounts, with higher rates than traditional loans.</p><p>Peer-to-Peer Lending/Investing, or social Lending, is direct investor financing, often accessed by new businesses. This form of lending/investing has grown due to the 2008 financial crisis and the tightening of bank <a href="https://pagepapi.com/finance-credit-investments/">credit</a>. Advances in online technology have facilitated its growth. Due to the absence of a financial intermediary, peer-to-peer lending/investing <a href="https://graetnewsnetwork.com/the-best-car-deals-low-finance-rates-vs-rebates-which-should-you-choose/" target="_blank" rel="noopener">rates are generally lower than traditional financing</a> sources. Peer-to-peer lending/investing can be direct (a business receives funding from one lender) or indirect (several lenders pool funds).</p><p>Direct Lending has the advantage of allowing the lender and investor to develop a relationship. The investment decision is generally based on a business’s credit rating and business plan. Indirect Lending is also usually based on a business’s credit rating. Indirect Lending distributes risk among lenders in the pool.</p><p>Non-bank lenders offer greater flexibility in evaluating collateral and <a href="https://graetnewsnetwork.com/how-to-keep-cash-flow-positive-as-a-business-startup/" target="_blank" rel="noopener">cash flow</a>. They may have a greater risk appetite and facilitate inherently riskier loans. Typically, non-bank lenders do not hold depository accounts. Non-bank lenders may not be as well known as their big-bank counterparts. Research the lender thoroughly to ensure that you are dealing with a reputable lender.</p><p>Despite the advantage that banks and credit unions have in the low cost of capital – almost 0% from customer deposits – alternative forms of financing have grown to fill the demand of <a href="https://pagepapi.com/local-internet-marketing-tools-for-small-businesses-with-google/">small and mid-sized businesses</a> in the last several years. This growth will continue as <a href="https://graetnewsnetwork.com/alternative-financing-for-wholesale-produce-distributors/" target="_blank" rel="noopener">alternative </a>funding becomes more competitive, given the decreasing trend in these lenders’ cost of capital.</p>]]></content:encoded> </item> <item> <title>Top things to consider while comparing between SME loan lenders</title> <link>https://pagepapi.com/top-things-to-consider-while-comparing-between-sme-loan-lenders/</link> <dc:creator><![CDATA[Priscilla Lee]]></dc:creator> <pubDate>Fri, 04 Jul 2025 22:34:41 +0000</pubDate> <category><![CDATA[Finance]]></category> <guid isPermaLink="false">http://pagepapi.com/?p=5970</guid> <description><![CDATA[While an SME has massive potential, it cannot access an established business’s resources. Therefore, a golden ticket for SMEs is an SME loan that helps with a little extra working capital to grow or expand operations, deal with an emergency, or address the natural ebbs and flows of the business. While many business loans are […]]]></description> <content:encoded><![CDATA[<p>While an SME has massive potential, it cannot access an established business’s resources. Therefore, a golden ticket for SMEs is an SME loan that helps with a little extra <a href="https://pagepapi.com/how-an-operating-systems-file-system-works/">working capital to grow or expand operations</a>, deal with an emergency, or address the natural ebbs and flows of the business. While many <a href="https://pagepapi.com/four-questions-on-business-loan-interest-rates-answered/">business loans</a> are available, comparing different lenders and parameters is important before deciding, as every company has specific needs. Let’s consider the top factors when comparing lenders so you can pick the right one.</p><h2>1. Application process</h2><p>The first step to a loan is an application; you want a streamlined process from start to finish. Look for lenders with an accessible, straightforward, informative, and customer-friendly approach. Also, don’t forget to check how long it takes to disburse loans, as that could affect your day-to-day operations.</p><p><img decoding="async" class="aligncenter" src="https://assets.smfgindiacredit.com/sites/default/files/Why-Collateral-Is-Necessary.jpg" alt="SME loan" width="500" height="275" title="Top things to consider while comparing between SME loan lenders 14"></p><h2>2. Business loan charges</h2><p>A business loan has several components: processing fees, <a href="https://graetnewsnetwork.com/having-a-high-cibil-score-can-get-you-low-rate-of-interest/" target="_blank" rel="noopener">interest rates</a>, foreclosure charges, late fees, etc. Before you finalize a loan, you should understand the possible bills that they may levy. Read the fine print carefully to avoid missing out on hidden <a href="https://mqacg.com/gold-prices-surge-towards-report-excessive-silver-charges-zoom/" target="_blank" rel="noopener">charges and paying the price</a> later. Once the costs are transparent, you can make the right call.</p><h2>3. Lender’s reputation</h2><p>An SME loan is a big commitment. So, when you decide to borrow, you must pick a reputable lender. A background check is an easy <a href="https://pagepapi.com/5-easy-ways-to-use-bamboo-in-your-landscaping-project/">way</a> to start. You can look for ratings and reviews to help you make an informed decision. Ensure the positive reviews are consistent. You can even browse through their website and ensure information is available. Details like a phone number that’s easy to find, a visible ‘about us’ section, details like a <a href="https://www.tatacapital.com/business-loan/business-loan-emi-calculator.html" target="_blank" rel="noopener">business loan EMI calculator</a>, and such data should be at your disposal.</p><h2>4. Easy repayment</h2><p>Depending on the lender, lending terms and payment schedules differ. You should understand lending terms and payment schedules upfront, like the loan charges. You might want to look for a lender that offers a flexible payment <a href="https://pagepapi.com/finding-the-best-small-business-scheduling-software/">schedule tailored to your business</a> needs to avoid undue pressure on you.</p><h2>5. Ongoing customer service</h2><p>Along with a quick and easy loan process, your lender should also have an approachable and easily available <a href="https://pagepapi.com/the-a-c-e-s-model-of-exceptional-customer-service/">customer service</a> team. The team should be able to answer your queries or doubts clearly and effectively. Once your SME loan is processed, this team will <a href="https://graetnewsnetwork.com/5-ways-to-handle-your-business-e-waste/" target="_blank" rel="noopener">handle any doubts and questions</a>. Taking a <a href="https://www.tatacapital.com/business-loan.html" target="_blank" rel="noopener">business loan</a> is a big decision. So, you need to find a suitable one that fits your needs. Stay conscious and cautious! When you’re ready to zero in on a lender, ensure you’ve covered all the bases.</p>]]></content:encoded> </item> <item> <title>Customer Finance Programs Key to Increasing Sales</title> <link>https://pagepapi.com/customer-finance-programs-key-to-increasing-sales/</link> <dc:creator><![CDATA[Priscilla Lee]]></dc:creator> <pubDate>Fri, 04 Jul 2025 21:34:16 +0000</pubDate> <category><![CDATA[Finance]]></category> <guid isPermaLink="false">http://pagepapi.com/?p=545</guid> <description><![CDATA[While studies show that technology spending is once again on the rise, there’s a reason you haven’t heard a collective sigh of relief from the software industry. While many budgets are once again allowing for the purchase of enterprise software, hardware, and peripherals, there’s no question that today’s purchasers are smarter, savvier, and more selective […]]]></description> <content:encoded><![CDATA[<p>While studies show that technology spending is once again on the rise, there’s a reason you haven’t heard a collective sigh of relief from the <a href="https://pagepapi.com/challenges-in-the-software-industry/">software industry</a>. While many budgets are once again allowing for the purchase of enterprise software, hardware, and peripherals, there’s no question that today’s purchasers are smarter, savvier, and more selective than ever.</p><p>Even though the purse strings have loosened, competition is at an all-time high. It’s no longer enough to provide a software solution that meets the potential customer’s needs or even offer it at the best price. Today, smart vendors are constantly looking for ways to <a href="https://graetnewsnetwork.com/why-travel-agents-tour-operators-need-to-focus-on-authentic-local-experiences-to-stay-competitive/" target="_blank" rel="noopener">stay one step ahead of the competition</a>. While increasing sales is always part of a competitive <a href="https://pagepapi.com/top-marketing-strategies-to-grow-your-business-in-2014/">business strategy</a>, software development companies often overlook a simple method of accomplishing this objective – making it easier for customers to buy.</p><p><img decoding="async" class="shrinkToFit aligncenter" src="https://financingyourway.com/wp-content/uploads/2018/06/customer-finance.jpeg" alt="Customer Finance" width="964" height="643" title="Customer Finance Programs Key to Increasing Sales 16"></p><h3><strong>READ MORE : </strong></h3><ul id="suggestions-list"><li><a href="https://pagepapi.com/how-to-become-a-review-blogger/">How to Become a Review Blogger</a></li><li><a href="https://pagepapi.com/car-finance-what-you-should-know-about-dealer-finance/">Car Finance – What You Should Know About Dealer Finance</a></li><li><a href="https://pagepapi.com/financing-cash-flow-peaks-and-valleys/">Financing Cash Flow Peaks And Valleys</a></li><li><a href="https://pagepapi.com/the-increasing-surge-of-health-care/">The Increasing Surge of Health Care</a></li><li><a href="https://pagepapi.com/how-to-select-a-wordpress-blog-theme/">How to Select a WordPress Blog Theme</a></li></ul><p>One option increasing in popularity among <a href="https://toptheto.com/software-program-away-from-its-arrays-to-run-on-dell/" target="_blank" rel="noopener">software vendors is establishing a customized finance program</a> that provides no-hassle financing solutions for your prospective clients. In addition to “one-stop shopping,” your customers can reap the other benefits of financing that make it easier for them to commit to technology purchases, including:</p><p>One hundred percent <a href="https://pagepapi.com/revenue-based-financing-for-technology-companies/">financing — Many finance companies</a> offer 100 percent financing for the cost of software and maintenance contracts, which requires no down payment. Because customers don’t have to come up with a down payment, they can make a purchase immediately rather than hold up the sale with a “wait and see” mentality that often accompanies a dip into cash reserves. It also allows your customers to invest more capital in revenue-generating activities.</p><p>Improved cash flow <a href="https://pagepapi.com/finding-time-saving-yoga-studio-management-software/">management – With software</a> financing, your customers can conserve capital for reinvesting in their business and improve budgeting accuracy through fixed monthly payments. Financing also makes it easy for <a href="https://pagepapi.com/custom-cms-web-design-budget/">customers to access multiple-year budgets</a> by paying for the benefit of your software over its useful life.</p><p>Flexible payment structures – Customers can optimize project budgets by taking advantage of the flexible payment structures available through <a href="https://pagepapi.com/finance-credit-investments/">financing to maximize the return on their investment</a>. For example, with software financing, customers can ramp up payments to match the revenue generation of a new technology <a href="https://pagepapi.com/quality-management-on-software-projects/">project utilizing the software</a> being financed.</p><p>While financing provides a clear advantage for the buyer, the <a href="https://pagepapi.com/10-amazing-advantages-of-web-based-software/">benefits for software</a> developers, distributors, and resellers can be even more beneficial when a program is well-planned.</p><h2>Improved Customer Relations</h2><p>As noted above, financing packages add value for the <a href="https://mqacg.com/powered-customer-service-automation/" target="_blank" rel="noopener">customer by enhancing their buying power</a>, offering greater flexibility, and providing convenience. It also increases their satisfaction through the ability to leverage their budget to acquire the total technology solution – which could include software, hardware, service, support, integration, and training – rather than only the <a href="https://pagepapi.com/rfids-and-the-parts-they-play-in-enterprises/">parts</a> and pieces they could afford through an outright purchase.</p><h2>Shorter Sales Cycles</h2><p>In sales, any customer interested in a product seems like a good lead. However, there are many times when the question of how to pay for the new <a href="https://pagepapi.com/software-sales-rep-success/">software prevents the sale</a>. Time lost on dead-end deals can be eliminated when financing is part of the sale, as the ability to pay is immediately considered in the equation. In addition, many finance companies now offer fast, easy credit and documentation processes, so you can complete a sale quickly and avoid costly processing delays.</p><p>Another benefit is that as software needs are discussed in the sales process, the finance specialist can work with the chief financial officer or accountant to determine which financing option and payment plan best suit <a href="https://pagepapi.com/why-small-businesses-need-to-invest-in-mobile-marketing/">business needs</a> and cash flow.</p><p>Direct customer financing can save software vendors millions of dollars each year by reducing the number of <a href="https://pagepapi.com/best-post-amazon-prime-day-sales-ipad-pro-discounts-new-samsung-galaxy-s8-deal-and-more/">days a sale</a> is outstanding. Consider a company with quarterly cash sales of $50 million. On average, it can take 45 days to collect payment. Assuming a borrowing rate of 6 percent, the 45-day lag in payment results in a carrying cost of $371,204. If the same numbers are run with a leasing finance program that generates payment within two days, the carrying price drops $82,253, saving the company more than $288,951 in one business quarter.</p><h2>The Big Picture</h2><ul><li>Overall, equipment financing programs can:</li><li>Generate larger, more profitable sales faster;</li><li>Increase account control;</li><li><a href="https://toptheto.com/templates-to-improve-efficiency-and-compliance/" target="_blank" rel="noopener">Improve sales efficiency</a> and productivity;</li><li>Lower days-sales-outstanding;</li><li>Improve cash flow;</li><li>Differentiate your company from its competition and</li><li>Provide complete solutions for your customers.</li><li>Taking the Next Step</li></ul><p>After identifying an interest in <a href="https://toptheto.com/amazon-sale-offers-discounts-on-tvs-home-appliances-and-other-deals/" target="_blank" rel="noopener">offering flexible financing as part of the sales</a> process, the next step is to develop a finance program. By <a href="https://pagepapi.com/can-finance-really-become-a-strategic-partner-to-the-business/">partnering with an experienced leasing company to develop a finance</a> program for your customers, you can transfer all of the uncertainties of extending terms to the finance company.</p><p>Partnering with an experienced finance company also <a href="https://pagepapi.com/why-does-free-internet-mean-exploitation/">means</a> you can concentrate on what your company does best – developing software – while letting a finance expert handle the intricacies of a finance program. Put simply, by working with a third party, your company will receive all the benefits with no risk.</p><p>Whether you refer your clients directly to your <a href="https://graetnewsnetwork.com/ask-harsh-roongta-anything-on-personal-finance-working-abroad/" target="_blank" rel="noopener">financing program partner or work</a> with a third-party finance partner to develop an in-house program, choosing an experienced equipment finance partner is essential. The finance expert will work<a href="https://graetnewsnetwork.com/icann-to-work-closely-with-india/" target="_blank" rel="noopener"> closely</a> with your customers during the sales process. Their actions and service levels must reflect your company’s ability to <a href="https://pagepapi.com/will-computers-ever-meet-the-expectations-of-small-businesses/">meet customer expectations</a>. When searching for a finance partner, look for a company that:</p><p>Is flexible and willing to work with your management team to develop a program that will meet your financial objectives; Is experienced in the IT and software <a href="https://pagepapi.com/where-in-the-world-is-your-finance-penetration/">finance world</a> since the sales process, client-decision criteria, and revenue recognition issues are different than that of capital asset sellers;</p><p>Provides marketing support and materials to help you promote your financing program. Is willing and able to provide your sales team with materials and training to ensure sales team members are comfortable and easily able to raise financing as an option with their clients; and Is a financially stable, long-term business partner.</p>]]></content:encoded> </item> <item> <title>The New Rule For Buying a Home</title> <link>https://pagepapi.com/the-new-rule-for-buying-a-home/</link> <dc:creator><![CDATA[Priscilla Lee]]></dc:creator> <pubDate>Fri, 04 Jul 2025 20:55:01 +0000</pubDate> <category><![CDATA[Finance]]></category> <guid isPermaLink="false">http://pagepapi.com/?p=541</guid> <description><![CDATA[The American Dream; what does it mean to you? People have different jobs, ho, babies, or passions, but one constant remains the same among us, and this common thread that unites our dreams is that of Home Ownership! Too many Americans follow the unwritten rule of homeownership that tells us to ‘Find a Realtor and […]]]></description> <content:encoded><![CDATA[<p>The American Dream; what does it <a href="https://pagepapi.com/why-does-free-internet-mean-exploitation/">mean</a> to you? People have different jobs, ho, babies, or passions, but one constant remains the same among us, and this <a href="https://pagepapi.com/how-to-solve-common-home-security-errors/">common thread that unites our dreams is that of Home</a> Ownership! Too many Americans follow the unwritten rule of homeownership that tells us to ‘Find a Realtor and Get a <a href="https://pagepapi.com/5-tips-to-pick-a-suitable-home-loan-bank/">Bank Loan.’ That ‘ rule ‘ may have made sense to follow with thriving job markets, lower inflation, and less credit restraint in past economies</a>. Unfortunately, in this current economy, achieving the dream of homeownership is becoming more difficult than ever in recent history.</p><p><img decoding="async" class="aligncenter" src="https://aws.wideinfo.org/pagepapi.com/wp-content/uploads/2017/07/07085527/LandContract-56f30fc73df78ce5f83e3edc-1.jpg" alt="Buying a Home" width="1500" height="1000" title="The New Rule For Buying a Home 18"></p><p>But our current economic system makes it difficult for the average person to achieve the American Dream of Home Ownership. In <a href="https://pagepapi.com/why-the-time-is-right-for-inbound-internet-marketing/">times of unstable job markets</a>, with double-digit unemployment forcing people to become self-employed to make a living, the banks require a W-2 stable job history to issue loans. In times of a great <a href="https://toptheto.com/3-of-the-worst-credit-score-tips/" target="_blank" rel="noopener">credit crisis, banks need stricter credit scores</a> than most people can achieve. Fewer and fewer honest, hard-working Americans who are used to following the ‘traditional rules’ for owning a home have the opportunity to own their own homes.</p><p>What if you could achieve the American Dream of Home Ownership without the assistance of a bank? This document aims to allow motivated home seekers an opportunity to write a New Rule of Home Ownership that will enable you to declare your freedom from the services of a Bank to partake in your piece of the American Dream of Home Ownership!</p><p>To understand the New Rule of Home Ownership, let’s take a closer look at the existing rules of purchasing a house with Traditional <a href="https://toptheto.com/subscribe-to-au-small-finance-bank-hem-securities/" target="_blank" rel="noopener">Bank Financing</a>.</p><h3><strong>READ MORE : </strong></h3><ul id="suggestions-list"><li><a href="https://pagepapi.com/the-11-forgotten-laws-review/">The 11 Forgotten Laws Review</a></li><li><a href="https://pagepapi.com/the-pursuit-of-beauty/">The Pursuit of Beauty</a></li><li><a href="https://pagepapi.com/beyond-the-beauty-trap/">Beyond The Beauty Trap</a></li><li><a href="https://pagepapi.com/make-money-blogging-using-these-8-secret-blogging-tips/">Make Money Blogging Using These 8 Secret Blogging Tips!</a></li><li><a href="https://pagepapi.com/the-new-face-of-modern-india-in-travel-tour/">The New Face of Modern India in Travel & Tour</a></li></ul><p>The first part of the Traditional Bank <a href="https://pagepapi.com/a-description-and-history-of-accounts-receivable-financing-loans/">Financing focuses on Qualifying for a Loan</a>. While many different loan packages exist, the most common loan written in <a href="https://pagepapi.com/internet-marketing-strategies-for-today/">today’s market</a> is an FHA Loan, and therefore, we shall use their guidelines as an example. The following are guidelines for an FHA Loan:</p><p>Specifically, the source of the down payment must be from your <a href="https://pagepapi.com/personal-finances-kissing-your-checking-and-credit-card-accounts/">personal checking</a>, savings, or retirement account and CAN NOT be borrowed! FHA Loans require a minimum credit score 620 to be eligible for a loan. FHA will require 3.5% down on the home. This down payment MUST come from your account. You cannot borrow from friends, family, or anyone else. It would help if you documented where the funds for the down payment came from.</p><p>To work with most Realtors, you must first get pre-approved for a bank. Many Realtors won’t even show you a house unless you can prove that you can afford and receive financing for the property. This painful process of pre-approval from a bank can take 2-3 days and involves the following steps:</p><p>However, suppose you cannot show a consistent pay stub as proof of income. In that case, you may want to skip to the part of this document where ‘Owner Financing’ is discussed, as you will find it increasingly difficult to qualify for a mortgage. Proof of Creditworthiness: You must <a href="https://pagepapi.com/ten-tax-deductions-home-daycare-and-child-care-providers-miss/">provide 2-4 years’ worth of tax</a> returns! You must provide your last four paycheck stubs if you are an employee or an updated Profit and Loss statement if you are self-employed, a <a href="https://graetnewsnetwork.com/benefits-of-mobile-websites-for-business-owners-and-how-to-design-a-mobile-website/" target="_blank" rel="noopener">business owner</a>, an independent contractor, or an entrepreneur. Your bank may require you to pay off another debt to help improve your credit score to qualify for the loan o. And the worst part is this proof of creditworthiness is done throughout the home-buying process! Even once you qualify and pick out the home of your dreams, underwriters at the bank will have you go through the same approach to ensure you still qualify.</p><p>Now that you are pre-qualified for the home of your dreams, you may finally begin <a href="https://pagepapi.com/how-to-start-a-blog-work-at-home-while-earning-blog-money/">working with a Realtor to find your new home</a>. Once you’ve found your home, the <a href="https://pagepapi.com/home-security-system-a-step-beyond-the-traditional-alarm-system/">Traditional Banks will want an inspection performed on the home</a> and may require the Seller to fix EVERYTHING for the bank to finance your loan. Some people want a small discount on the house and will do their repairs; however, a traditional bank often will not allow you to do this! These small fixes may add to the total price of the house.</p><p>Also, expect to pay Realtor fees, bank fees, filing fees, “point buy down” fees, loan origination fees, closing costs, title fees, surveys, appraisal fees, and anything else imaginable to be charged. Though many of these fees can be rolled into your loan, you may be paying an extra 10% in unnecessary Financing Fees loaded into your loan over the long term!</p><p>What if there was a quicker, easier, and less intrusive way to take your share of the American Dream? What if you could look at homes without paying a Realtor fee, pre-qualify for a loan, and go through a three-month home-buying process? After all, we ARE in a BUYER’S market in <a href="https://pagepapi.com/seller-real-estate-financing-is-ideal-for-retiring-baby-boomers/">Real Estate</a>, so why shouldn’t we be able to buy?</p><p>Consider the possibility of declaring a New Rule. Instead of working with (and paying for) a Realtor, why not work with the Seller directly? especially if that Seller is a Professional Real Estate Investor who is not only willing to sell the house quickly and simply but is also willing to finance the sale of the house on a short-term basis!</p><p>Earlier in this eBook, we reviewed Tradition Bank Financing process. Now, we shall detail the 7 <a href="https://pagepapi.com/launching-your-nonprofit-blog-three-easy-steps/">Easy Steps</a> of Purchasing Your Home with Owner Financing:</p><p>* Contact the Seller of the Home without pre-qualifying for a loan and look at the home to decide if you want to purchase.<br />* Settle on a price<br />* Agree to a down payment and <a href="https://pagepapi.com/four-questions-on-business-loan-interest-rates-answered/">interest rate</a><br />* Once you’ve agreed to a price, down payment, and interest rate, complete a Deposit to Hold form and pay this 1% fee applies to the property’s sales price. This fee will take the <a href="https://pagepapi.com/mallorca-property-market-report/">property off the market</a> while you close the home.<br />* Complete the credit application and provide two of your most recent paycheck stubs and bank statements to prove you can afford the monthly payment.<br />* (Optional) If you choose, you can order your home inspection to review the condition of the home<br />* Close in 2-5 business days</p><p>Buying a home from a Professional Real Estate Investor is quick and easy. Once you have settled on the price and monthly payments, you have minimal paperwork to complete and can close the transaction within one week! The following is a summary of some of the benefits of Owner Financing compared with Traditional Bank Financing:</p><p>* In many cases, there is no minimum credit score required<br />* Instead of 10% Traditional Bank Finance Fees / Closing Costs, your Owner Finance Fee averages 5% of the transaction.<br />You can borrow money from family, friends, and others. There are also some tax incentives for you to use as part of your retirement savings. Either way, with Owner Financing, you can raise your down payment as you see fit*; unlike Traditional Bank Financing, your down payment for Owner Financing may <a href="https://graetnewsnetwork.com/counterpoint-samsungs-share-of-indias-premium-smartphone-market-may-come-down-drastically/" target="_blank" rel="noopener">come</a> from almost anywhere (as long as it is a legal way to raise funds).!<br />* You and the Owner Finance Seller will agree on a time to “close” on the <a href="https://pagepapi.com/3-key-mlm-home-business-steps-to-boost-pagerank-traffic-and-visitors/">home, which may be within 5 business</a> days!<br />* Your Owner-Financed loan depends on your down payment and ability to pay the monthly fee, NOT on your credit or having a W-2 Job. Therefore, business owners, entrepreneurs, independent contractors, and the self-employed may qualify for owner-financed homes!<br />* You are not required to provide extensive documentation to obtain your loan</p><p>Due to the efficiency, simplicity, and cost-effectiveness, you can see why buying directly from an investor with Owner Financing is the New Rule for Buying Homes. Owner Financing interest rates may be slightly higher than the <a href="https://mqacg.com/child-day-care-services-market-price-2019/" target="_blank" rel="noopener">market price</a> when you initially purchase your home. However, this higher rate, along with a sizeable down payment, will help you obtain conventional financing at a lower rate when you decide to refinance!</p><p>A good way to look at Owner Financing is that it is a <a href="https://pagepapi.com/home-security-tech-solutions-for-safer-homes/">solution to buying a home</a> with short-term financing. Once you have paid your Owner Financed note on time for 12-24 months, it’s easier to refinance your existing message with a traditional bank loan at a lower interest. It’s much quicker, easier, and less intrusive to refinance a home into conventional financing than it is to purchase a home with traditional financing!</p><h4>The following example will detail the process and the costs of owner financing:</h4><p>John purchases a beautiful <a href="https://graetnewsnetwork.com/tips-to-save-money-for-a-home-loan-down-payment/" target="_blank" rel="noopener">home for $150,000 with a traditional bank loan</a>. John’s credit score is 590, and the bank will not loan him any money until his credit score is at least 620. John understands the importance of owning a home and wants to buy something now. John finds a home that is being offered for $150,000 with Owner Financing. John has $15,000 to put down and wants to close in 5 business days. John’s new loan is at an 8.5% rate for 30 years, and the sellers would like John to refinance his loan in 24-36 months. John’s monthly payment is $1,350, including principal, Interest, Insurance, and HOA fees.</p><p>John is happy because he can afford $1,350 monthly and participate in the American Dream! As John pays on time for, say, 24 months, John has an excellent payment history with his current lender. John will also need to work on his credit in those 24 months to raise his score to the current minimum of 620. When John approaches a traditional bank, John will be able to <a href="https://graetnewsnetwork.com/travel-hotel-industries-seek-further-clarity-on-tax-rate-credits-under-gst/" target="_blank" rel="noopener">demonstrate the following: o John’s $15,000 down payment shows that he has ‘skin in the game’ and is not just going to bail on his house payments J.ohn CAN afford and has been paying $1,350 a month at a 8.5% rate for his loan o John’s credit</a> score is now above the minimum required 620 o If John can afford $1,350 a month at 8.5% interest, John can easily afford a $1,100 a month payment at 6.5%!</p><p>It is much easier to refinance a loan than getting a loan for the original financing! Since you are already in the house, no inspection is required, no lengthy closing procedures, and no longer all that extra red tape associated with buying a home with traditional financing! As you can see, purchasing with Owner Financing can be easily done and quickly closed for those who use a conventional bank loan but deserve to own a home now.</p><h2>Summary</h2><p>Due to tough economic times, many <a href="https://pagepapi.com/why-many-people-make-no-money-on-the-internet/">people</a> are selling their properties in today’s market. Yet, despite this being a ‘buyer’s market,’ it is tougher to <a href="https://pagepapi.com/buy-finance-or-lease-how-should-i-pay-for-my-new-car/">buy a home with Traditional Bank Financing</a> than ever before. Following the old, unwritten rules will lead you to a long and unhappy life in an apartment complex. Motivated home seekers looking for their piece of the American Dream cannot achieve this great promise by traditional means due to stringent lending requirements initiated by the same <a href="https://mqacg.com/thiefs-rapid-meals-spree-after-stealing-glasgow-puregym-goers-financial-institution-playing-cards/" target="_blank" rel="noopener">financial institutions</a> that gladly took over 1 billion of our tax dollars to bail them out! Banks tightening up on their lending <a href="https://pagepapi.com/practical-mobile-marketing/">practices is causing a shortage of homebuyers in the market</a>. This is one of the biggest reasons real estate values continue to fall free: not enough people can qualify for available homes while following the unwritten rules.</p><p>Inspired home seekers looking to break away from the old rules and ready to write their own New Rules for Home Ownership will be able to take advantage of this buyer’s market. With owner Financing, you will see more and more people purchasing homes. If you are in the market to buy a home, however, you cannot qualify for a traditional loan; I strongly recommend you contact a company specializing in owner-financed homes.</p>]]></content:encoded> </item> <item> <title>Financing Cash Flow Peaks And Valleys</title> <link>https://pagepapi.com/financing-cash-flow-peaks-and-valleys/</link> <dc:creator><![CDATA[Priscilla Lee]]></dc:creator> <pubDate>Fri, 04 Jul 2025 20:34:51 +0000</pubDate> <category><![CDATA[Finance]]></category> <guid isPermaLink="false">http://pagepapi.com/?p=540</guid> <description><![CDATA[For many businesses, financing cash flow can be like riding a continuous roller coaster. Sales are up, then they go down. Margins are good, then they flatten out. Cash flow can swing back and forth like an EKG graph of a heart attack. So, how do you finance cash flow for these types of businesses? […]]]></description> <content:encoded><![CDATA[<p>For many businesses, <a href="https://graetnewsnetwork.com/financing-cash-flow-peaks-and-valleys/" target="_blank" rel="noopener">financing cash flow</a> can be like riding a continuous roller coaster. Sales are up, then they go down. Margins are good, then they flatten out. Cash flow can swing back and forth like an EKG graph of a <a href="https://toptheto.com/russian-internet-pioneer-nosik-dead-of-suspected-heart-attack-at-51/" target="_blank" rel="noopener">heart attack</a>.</p><p><img decoding="async" class="aligncenter" src="https://aws.wideinfo.org/pagepapi.com/wp-content/uploads/2017/07/07085533/1458710695618-1.jpg" alt="Financing " width="1280" height="719" title="Financing Cash Flow Peaks And Valleys 20"></p><h4>So, how do you finance cash flow for these types of businesses?</h4><p>First, you <a href="https://pagepapi.com/repetition-reduces-risk-health-care-safety-tips-you-need-to-know/">need to know</a> and manage your monthly fixed costs accurately. Regardless of what happens during the year, it would be best if you were on top of what amount of funds will be required to cover the recurring and scheduled operating costs that will occur whether you make a sale or not. Doing this monthly for twelve months provides a basis for cash flow decision-making.</p><p>Second, from where you are right now, determine the number of funds available in cash, owners’ outside capital that could be <a href="https://pagepapi.com/why-small-businesses-need-to-invest-in-mobile-marketing/">invested in the business</a>, and other outside sources currently in place.</p><p>Third, project your cash flow so that fixed costs, existing <a href="https://pagepapi.com/a-description-and-history-of-accounts-receivable-financing-loans/">accounts payable, and accounts receivable</a> are realistically entered into the future weeks and months. If cash is always tight, do your cash flow <a href="https://mqacg.com/sign-up-for-word-of-mouth-the-pleasant-of-guardian-food-every-week/" target="_blank" rel="noopener">every week</a>. There is too much variability over a single month to project out only every month.</p><h2>Now, you have a basis for assessing financing your cash flow.</h2><p>Ok, now you have a cash flow bearing and a thorough understanding of your options for financing cash flow in your specific business model. Financing cash flow will always be somewhat unique to each business due to industry, sector, business model, stage of business, business size, owner resources, etc. Each <a href="https://graetnewsnetwork.com/alternative-sources-of-business-growth-finance-there-is-more-than-one-way-to-fund-growth/" target="_blank" rel="noopener">company must self-assess its sources of financing</a> cash flow, including but not limited to owner investment, trade or payable financing, government remittances, receivable discounts for early payment, deposits on sale, third-party funding (line of credit, term loan, factoring, purchase order financing, inventory financing, asset-based lending, or whatever else is relevant to you).</p><h3><strong>READ MORE : </strong></h3><ul id="suggestions-list"><li><a href="https://pagepapi.com/alternative-financing/">Alternative Financing</a></li><li><a href="https://pagepapi.com/the-12-universal-laws/">The 12 Universal Laws</a></li><li><a href="https://pagepapi.com/the-android-phone-available-in-the-usa-and-canada/">The Android Phone is Available in the USA and Canada</a></li><li><a href="https://pagepapi.com/best-android-apps-that-help-you-improve-battery-juice/">Best Android Apps That Help You Improve Battery Juice</a></li><li><a href="https://pagepapi.com/laws-of-the-universe-fact-or-fiction/">Laws of the Universe – Fact Or Fiction</a></li></ul><h2>Now what?</h2><p>Now, you are in a position to entertain future sales opportunities that fit into your cash flow. Before we go further, I have three points to clarify. First, financing is not strictly about getting a loan from <a href="https://mqacg.com/tips-for-paying-someone-needing-essay-writing-help/" target="_blank" rel="noopener">someone when your cash flow needs</a> more money. It’s a process of keeping your <a href="https://mqacg.com/focus-is-to-position-cash-in-human-beingss-fingers-nirmala-sitharaman-at-india-today-budget-roundtable/" target="_blank" rel="noopener">cash flow continuously positive</a> at the lowest possible cost.</p><p>Second, you should only market and sell what you can cash flow. Marketers will measure the ROI of a marketing initiative. But if you can’t cash flow the business to complete the sale and collect the proceeds, there is no ROI to measure. If you have a company with fluctuating sales and margins, you can only enter into transactions you can finance.</p><p>Third, marketing needs to focus on customers you can sell to repeatedly to maximize your marketing efforts and reduce the unpredictability of the annual sales cycle through regular repeat orders and sales.</p><p><a href="https://graetnewsnetwork.com/how-affiliate-marketing-works-a-step-by-step-guide-for-beginners/" target="_blank" rel="noopener">Marketing works</a> under the premise that if you provide what the customer wants, the money side of the equation will take care of itself. In many businesses, this indeed proves to be true. But in a company with fluctuating sales and margins, financing cash flow has to be another criterion built into sales and marketing activities.</p><p>Over time, virtually any business has the potential to smooth out the peaks and valleys through a more robust <a href="https://pagepapi.com/does-your-orthodontic-marketing-plan-deserve-an-olympic-medal/">marketing plan</a> that better lines up with customer needs and the business’s financing limitations or parameters.</p><p>In addition to linking financing cash flow more closely to marketing and sales, the next most impactful <a href="https://pagepapi.com/actions-to-do-if-you-want-your-personal-finances-to-improve/">action you can take is expanding your sources of financing</a>. Here are some potential strategies for developing your sources for financing cash flow.</p><p>Strategy # 1: Develop strategic relationships with <a href="https://pagepapi.com/equity-financing-6-key-strategies/">key suppliers that can extend greater financing</a> in certain situations to take advantage of sales opportunities. This is accomplished with larger suppliers that 1) have the financial means to extend financing, 2) view you as a <a href="https://pagepapi.com/3-key-mlm-home-business-steps-to-boost-pagerank-traffic-and-visitors/">key customer and value your business</a>, and 3) have confidence in the business’s ability to forecast and manage cash flow.</p><p>Strategy # 2: Ensure that your annual <a href="https://graetnewsnetwork.com/ujjivan-financial-services-to-use-biometric-atms/" target="_blank" rel="noopener">financial statements show a profit capable of </a>financing debt. <a href="https://pagepapi.com/health-savings-accounts-should-be-available-to-all-americans/">Accountants may be good at saving</a> you income tax dollars. Still, if they drive business profitability down to or close to zero through tax planning, they may also <a href="https://pagepapi.com/how-to-effectively-make-money-online/">effectively destroy your ability to borrow money</a>.</p><p>Strategy # 3: If possible, only transact with credit-worthy customers. Credit-worthy customers allow the <a href="https://pagepapi.com/can-finance-really-become-a-strategic-partner-to-the-business/">business and potential lenders to finance</a> receivables, increasing the amount of external financing available.</p><p>Strategy # 4: Develop a liquidation pathway for your tangible assets. Equipment and inventory are easier to finance if lenders clearly understand how to liquidate the assets in the event of default. In some cases, businesses can get resale <a href="https://mqacg.com/how-your-inventory-options-are-taxed/" target="_blank" rel="noopener">option agreements on certain equipment or inventory</a> from prospective buyers assignable to a lender to be used as recourse against a lending facility for financing cash flow.</p><p>Strategy # 5: Joint venture a sales opportunity with another business to share the risk of a large sales opportunity that may be too risky for you to take on yourself.</p><h2>Summary</h2><p>The primary long-term objective with fluctuating cash flow and margins is to smooth out the peaks and valleys and create a scalable <a href="https://mqacg.com/opinion-close-exam-of-indian-economic-and-business-cycles/" target="_blank" rel="noopener">business with more of a predictable sales cycle</a>. This is best achieved with an approach that includes the following steps.</p><p>Step #1. Micro-Manage your fixed costs and cash flow and accurately project out the cash flow requirements of the business every week.</p><p>Step #2. Take a detailed inventory of all your sources for financing <a href="https://graetnewsnetwork.com/how-to-keep-cash-flow-positive-as-a-business-startup/" target="_blank" rel="noopener">cash flow</a>.</p><p>Step #3. Incorporate your financing constraints into your marketing approach.</p><p>Step #4. If possible, only transact with credit-worthy <a href="https://pagepapi.com/customer-finance-programs-key-to-increasing-sales/">customers to reduce risk and increase financing</a> options.</p><p>Step #5. Work towards expanding your financing sources and available source limits for financing cash flow.</p><p>Business cycle stability and cash flow predictability are evolutionary steps for every business. Industries with longer sales cycles tend to be more difficult to tame due to more variables to manage.</p>]]></content:encoded> </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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