Posts Tagged ‘Services’

Maximize Your Credit Card Services with Small Business Loans

Since June 15, 2009, the United States Small Business Administration has been processing deferred payment small business loans of as much as $35,000 to be given out to 10,000 small businesses. This is covered by the SBA’s America’s Recovery Capital (ARC) Loan Program.

To qualify, companies should be private enterprises that are for-profit. They should have up to five hundred employees only and should be at least two years old. Furthermore, they should be able to prove financial need with a twenty percent decrease in sales, revenue or working capital. On the other hand, they should be able to prove that one of their two years in business has been profitable, and that with the infusion of cash they will be able to meet their existing and future debt obligations. This means positive cash flow projections. The ARC small business loans are intended to be used to pay outstanding debt such as payables to vendors.

For this batch of small business loans, there are no fees or costs involved, except if the borrower defaults on the loan later. In that case the SBA-approved lender can charge costs for securing and liquidating collateral.

The ARC small business loans also do not charge interest. Actually, the SBA pays the interest for the borrowers. Disbursement of the loan can take as much as six months but payment of the principal is also deferred for the next 12 months. After that, the borrower has five years to repay the loan principal.

Each small business can only avail of one ARC loan. SBA-approved lenders will offer the loans until September 30, 2010 or until available funds run out, whichever comes first.

There are, however, an estimated 30 million small businesses in the United States and only 10,000 of them can avail of the government’s small business loans. What if you do not happen to be among the 10,000 lucky recipients? How will your small business survive?

There are even doubts being raised on whether as much as 10,000 businesses can indeed avail of the ARC loans. There are fears that there may not be enough lenders willing or able to participate in the program. Lenders will have to advance the full amount of the loan, will not receive payment on principal for a full year, and will not be able to charge any fees, thereby absorbing all administrative costs. This may be too steep for many lenders. They may not be able to afford to participate at all.

This is where you as a small business owner can and should maximize your credit card services. We are not talking about your personal credit card services here. Instead, we are referring to the merchant services that enable your small business to receive credit card  and debit card payments. Surely, any business these days avails of these types of credit card services. After all, more people pay by credit card or debit card rather than cash.

Most credit card services offer small business cash advances that can be as substantial as small business loans. These small business loans do not require any collateral because they are secured by your company’s future credit card receivables. This is even more convenient for your business because repayment is also built into those receivables. Credit card services automatically deduct a percentage from your income to go toward loan repayment. For as long as you have incoming sales, you can support your loan. Interest rates are often quite affordable considering how the loan can help your business.

Small businesses should therefore look into maximizing these credit card services for small business loans. The survival of your business could hinge on this.

Advanced Merchant Services
Contact Name: Roger Inman
P.O. Box 1475 Safety Harbor, FL 34691
Bus: 727-642-3606
Bus Fax: 877-413-6067

Credit Card Services and Business Loans for the Small Business

To achieve financial independence, experts encourage even currently employed individuals to consider entrepreneurship. Setting up your own business, no matter how small, is touted as one of the best ways toward building the foundation for wealth. Those who are concerned about having a safety net need not take the plunge recklessly. One can start setting up a small business even while employed.  

Of crucial use to small businesses are credit card services and small business loans. The entrepreneur needs to know how to avail of these tools and how to effectively wield them for maximum business growth.

Credit Card Services

A small business would do well to get reputable credit card services in order to prosper in the current business climate. Availing of credit card services will enable it to accept both credit card and debit card payments. This is true either for brick-and-mortar businesses or internet based online businesses. After all, most consumers nowadays routinely use credit cards or debit cards for payment purposes. It only makes good business sense to be well-equipped for the needs of credit card users and debit card users as well as for the needs of customers who pay in cash.

Merchant services provide credit card services covering a wide range of solutions for the processing of credit cards and debit cards as payment options. These credit card services include traditional terminal equipment at point of sale, where credit cards or debit cards are swiped. It also includes software and high speed IP solutions for both traditional commerce and e-commerce. Credit card and debit card payments can, therefore, be accepted in person or through the internet, by phone or by fax.     

Small Business Loans

Any business – whether a small start-up business, a medium-scaled one or a big business company – will be needing an infusion of additional capital sooner or later. Additional capital is always needed for expansion, additional inventory, additional manpower, new systems, new equipment or a new physical layout.

Capital is not always easy to come by, though. The original investors’ personal coffers may have been emptied by the earlier outlays. Prospective investors may not be keen on shelling out funds in times of crisis. Businesses, therefore, have no choice but to seek business loans.

Getting business loans is a difficult process. Even small business loans are not readily approved. Be prepared to present a lot of documentation and paperwork. For small business loans, the proprietor’s personal credit history is taken into account and related references need to be submitted. Of course, the company’s financial statements are just as important in proving the feasibility of the business and its capacity to repay its business loans. Having a detailed business plan will show your business strategies and projections, demonstrating your business acumen.

Unfortunately, even with all the requirements completed, applications for business loans – including small business loans – are, more often than not, disapproved.


Some merchant services provide a comprehensive solution for the needs of small businesses in relation to credit card services and small business loans. The set up is elegantly simple. A small business need only avail of the company’s credit card services to be eligible for merchant cash advances. These cash advances are actually small business loans, except that there is no need to go through the complicated application process for business loans. Repayment is made very easy and worry-free, too. A certain small percentage is built into the credit card processing rates to take care of the advances. This way, repayment is actually done automatically in a very affordable manner and according to income flow.

Small business owners would, indeed, be wise to look into these timely business solutions.

Advanced Merchant Services
Contact Name: Roger Inman
P.O. Box 1475 Safety Harbor, FL 34691
Bus: 7276423606
Bus Fax: 8774136067

Internet Marketing Services Introduce Your Product

What are internet marketing services?

Well, not all entrepreneurs have the skill to market their products. A product or service may be great, but without proper marketing, it will be worthless.
For more details go to: we all know that today, the internet is a great place to market your products or services. With the help of good internet marketing services, you can penetrate the internet even if you do not have any marketing skills.

Internet marketing services introduce your product in the market of the internet. Because of these services, your business can get the attention of the whole wired world. How do internet marketing services do this?

1) Connections - Internet marketing services need connections in order to be truly efficient in their work. It is often the case that entrepreneurs have no idea who to turn to with their marketing needs. They may have the right idea on what they need to properly market their business, but it takes people to make those ideas work. Internet marketing services should be able to connect you with the people who can help you.

Why are connections so important? Well, we all know the old adage that goes, "no man is an island". No man can provide all of his needs. Sooner or later, we all have to turn to someone else. A great internet marketing service would be more efficient if the service has already established a network. The more connections that an internet marketing service has, the more likely it is that the service would be able to help you. This is the reason why you should always check out the connections of internet marketing services before you hire them.

2) Skills - People who offer various services have the skills required to perform those services. Internet marketing services have the skills necessary to properly market your business. These include skills in networking, web design, and any other skills required to promote your business over the internet.

These skills are the main reason why people hire internet marketing services in the first place. For can visit to: they have the ability to accomplish what you cannot. These skills can mean the difference between the pinnacle of success and the anguish of failure.

3) Resources - When you are handling a business, you would have a pretty clear idea just how limited your resources can be. Because of this limitation, you need the help of people. Internet marketing services may have access to the resources that you lack. This means that they have the things that you need to promote your business properly in the market.

Resources are very important in any business because all your skills are useless unless they are applied on something. Resources are harnessed with skill in order to be profitable for you.

Internet marketing services are so much in demand today because of the fact that the internet's potential today lies in commerce. To people in various businesses, the internet is just like one huge advertising space. Through the internet, word regarding their business will reach the world.

Affordable Email Marketing Services

With the advent of today’s troubled economy, advertisers are looking for reliable, affordable and feature filled marketing tools to build their business. To fill this void many are turning to email marketing services. When compared to the U.S Postal Service and other forms of advertising, email marketing is not only faster but much cheaper. You can make campaign changes almost instantly and update subscribers in a short period of time.

Campaign Costs And Features

An email campaign of 10,000 subscribers can be initiated for less than $18.

Campaign packages include tracking statistics that allow small businesses to increase sales.

Tracking features can supply critical data for reports that allow you to know who opens and reads your newsletters and the urls they click on. Monitor sent to a friend, compare monthly changes in size of subscription base.

Tools that allow for split testing ad copy to find the most effective sales content.

After you have created your email capture page and have added the email capture code. You can begin collecting names and email addresses.

Once you have built your list, you’re ready to start your first email campaign.

Email marketing providers have made it easy for even a novice to run a campaign with ready made templates and fill-in forms for auto responders and newsletter content.

Can-Spam Act

Email marketing services have made it easy for internet marketers to be Cam-Spam compliant.
According to U.S law all email marketers must comply with the  Can-Spam Act of 2003, which requires they identify who they are. Provide valid contact information and a physical address (P.O Boxes acceptable). Many email marketers these days will use a double opt-ins. when signing-up new subscribers. Opt-ins sign up from an email capture page by typically including just a name and email address. This will trigger an auto responder asking them to verify that they do wish to subscribe. Can-Spam also requires that you provide an opt-out link to remove anyone from your list who requests it.

Email Marketing Service Providers

If you are looking for a cheap email marketing services with lots of features then GetResponse may be the deal for you. Allowing you to maximize your dollars and reach more subscribers. an Implix product located in Wilmington Delaware established in 1998. Get Response features include

• Sending unlimited emails Up to 10,000 subscribers for $17.95 per month and $4.50 for each additional set of 5,000 subscribers

• Excellent Email Marketing and support Forum
• Integrates with Joomla
• Co-registration
• Track software downloads

Pay As You Go Email Marketing Services

Can’t afford a monthly fee for email marketing? EliteMail (now EliteAnswers) a Pay as you go Email Marketing service.

• Sign-up costs $10 which buys 1000 emails.
• The free trial on Small Business and MySpace Editions “No Credit Card Required” allows you to test the service out and there is no time limit.
• If you sign up for the free trial and buy the $10 package that will give you a total of 2000 emails.
• You can buy additional emails as needed.


Aweber one of the oldest email marketing services with over 10 years of experience in the email marketing services business.

Staying current with today’s technology Aweber includes features like RSS to Email allowing you to convert your Blog’s RSS feed to an email newsletter.

Features like publishing your newsletter to twitter to help broaden your customer base.

Free Email Marketing Tips

Aweber helps newbies get started in email marketing with free webinars.

Topics include how to use Aweber services, get more subscribers, develop and find content for newsletters and email campaigns.

If you have no time to attend webinars then take advantage of the video tutorials and knowledge base library.

Aweber Pricing

Basic campaigns cost $19 monthly for unlimited emails to 500 subscribers. Larger packages run $149 monthly and allow for 25,000 subscribers. There are a total of about 6 packages and pricing for these will fall in between these ranges depending on the size of subscription list.

In closing

Whether you choose to pay your email marketing service provider monthly or pay as you go, email marketing services can be very affordable. The ability to be scalable will allow cutting expenses and expanding as you see a return on your investment.

Learn more about Affordable Email Marketing


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