With gradual decline in employment and income, more and more people are opting for self employment. To start on a business of your own you need to borrow. Self employed loans are meant especially for this purpose. The loan is useful for beginning any business that you like. With gradual increase in self employed population, the loan has become much easier to avail than it ever was. Self employed loans are being offered under secured and unsecured options. Lower interest rate is main attraction for secured self employed loans. The interest rate is kept lower because the loan has to be secured against borrower’s any property that has equity. It is on the basis of equity in collateral like home that the one can borrow an amount enough for starting a self employment project. Higher equity in collateral enables in taking greater loan for a project that demands higher financial support. Another plus point of secured self employed loans is that you can spread monthly installments over larger repayment duration. This enables a self employed person in reducing his monetary outgo towards monthly installments. This saves vital money for other business expenses. On the other hand, unsecured self employed loans come without collateral. Since there is no security, the loan has higher interest rate inbuilt in it. In the absence of collateral the loans is solely based on the good credit history, good annual income if any of the borrower. The borrowed amount also is kept smaller and repayment period is smaller for cutting the risk. So the unsecured self employed loans are best suited for starting a smaller project. Tenants or non-homeowners usually prefer the unsecured option. As far as bad credit is concerned, self employment itself is a bad credit as there is no steady income in the business that one starts freshly. So if no collateral is offered to the lender, the loan is given at higher interest rate and tougher conditions. And if you are labeled bad credit by credit rating agencies then lenders may turn more apprehensive. So it all boils down to the point that to what extent you are able to convince the lender that the loan is safe and will be return in timely manner. There are number of self employed loans providers who understand the concerns of in starting a self employment project. These lenders can be searched easily on internet. Compare their terms-conditions and interest rate prior to making a loan deal. For starting a self employment project, you require finance which can be availed through self employed loans. Make sure to compare interest rate and conditions before applying for the loan. And prefer applying online for fast processing and approval of the loan.
There are a number of project finance consultants you can talk to about financing. There are a number of project finance consultants you can talk to about financing. The consultants you get depend on the type of project finance you are looking for. There different types of project finance in Surat. The one you select depends on the type of project and the project loans you are looking for. Project finance consultants’ services play a big role in helping you get the type of finance you are looking for. Project finance in Surat for large projects is very important. Running large projects without the proper financing can be very dangerous. If you do not get the right financial services the project could collapse. That is why it is important to get project finance consultants to guide you. They will also help you get the right type of finance for your loan. This means whether it is getting short term or long term project finance in Surat. The financial advisory services also help you get the best tax treatment. The first type of project finance in Surat is bank finance. This means that you get your TUF loan from a bank. Project finance consultants help you get the best TUF loan interest rates. They also help you get the maximum TUF loan that is appropriate for your project. There is also a TUF scheme that the project finance can make the most of. The TUF loan is a very good source for project financing in India. This is due to the guidelines laid down that make it suitable for financing projects. The other source of project finance in Surat is EBC funding. EBC stands for external commercial borrowing. EBC funding consultancy can help you get this type of finance for your project. The kind of funding you get may be different types depending on the project owner. There are also certain external commercial borrowing guidelines that should be adhered to. You can talk with your project finance consultants so that you can follow the guidelines and get the most out of the funding. The third type of project finance in Surat is the buyer’s credit. This is offered by banks as a loan to buyers and is for foreign buyers. This type of project finance in Surat is offered to buyers to help them bear expenses of purchasing goods from other countries. This is very useful for people who want to access cheap funds. Project finance consultants will help you decide which bank to go to for such loans. Supplier’s credit is another type of project finance in Surat. This is for those who supply to other countries namely exporters. It is a type of financing that is given to such exporters to help them carry out their business. Along with this there is also the foreign currency loan. Project finance consultants help you decide which of the two is best. Getting the proper financial services is very important. Taking the right TUF loan is important if your project is to succeed. It is essential to get project finance consultants that can help you choose the right one for you. You have to make sound financial decisions since this translates to the success of your project.
If you are planning a move to the south and are looking to buy one of the many attractive Atlanta, Georgia condos, here are a few facts to help you get the �flavor� of the city.
Atlanta is the largest city in the state of Georgia and has a mixed economy including both white-collar and blue-collar workers. Overall, a higher proportion of the population works as sales and office workers, IT technicians, managers and professionals.
In addition, Atlanta is a popular city with artists, designers and media workers in general. This comparatively high proportion of creative types for a U.S. city has helped to imbue Atlanta with its individual personality.
Furthermore, Atlanta, Georgia has a generally young and well-educated population living in its city condos. There are plenty of opportunities for newcomers and residents to meet and form lasting friendships over a restaurant meal, listening to live music or enjoying many other social activities. It certainly has nightlife with venues just as sophisticated as those around Manhattan apartments.
For daytime entertainment, there are many sports centers and cultural center activities, where young professional stay in shape, meet new friends and relax away from the demands of their careers.
If you enjoy the fast pace of city life, but worry about the air pollution that dense traffic creates for people who live in say, New York City condominiums and other U.S. cities, then Atlanta, Georgia will be a breath of fresh air for you. More people than the average for U.S. cities use public transportation to get to work in Atlanta.
This means there is far less air pollution than you would get in similarly priced Manhattan apartments, for instance. Therefore, you can go house hunting in Atlanta, Georgia�s city-center without worrying about the air quality on the streets outside the condos.
The city of Atlanta is ethnically diverse, with a prevalence of African-Americans followed by Caucasians with German, English and Irish ancestry. The predominant language is English, but plenty of the residents in Atlanta, Georgia condos also speak Spanish.
If, like me, you are moving from one of the New Jersey residences near the shore, it can take time to adjust. You will miss Italian hot dog stalls, bagels and the wonderful views of the New York City bay.
However, there is less chance of your kids suffering from diseases caused by air pollution and the young people here are more focused on getting a good education and a college degree – things you do not always get with kids raised in New York City condominiums.
In addition, the cost of living is so much cheaper here in Atlanta that we can spend more money on extra-curricular activities for our kids and enjoy a better quality family life. Therefore, speaking as an Atlantan of ten years standing, I firmly believe that as long as you find a condo near a good school for your children, the life here compares very favorably with other U.S. cities!
Plumbing problems within your home can easily throw you into a panic, especially as they always arise at the most inopportune times likes in the middle of Christmas Dinner when you have the entire family round! Fortunately, it is now possible to call an emergency plumber London out whenever you experience water troubles.
Plumbing issues can consist of anything from a pesky leak to a busted water heater, but both can easily cause chaos if left unresolved. It is extremely important that an emergency plumber London is called to your home as quickly as possible to fix the problem and to limit any damaged caused by the plumbing problem.
It can be easy, as you flap around in a wild panic, realising that your mother-in-laws new shoes have been ruined by a leaking washing machine, to delve into the yellow pages and call the first plumber you come across. However, it is important to stay calm and consider a number of choices before calling someone out to your home. The most important thing to make sure of is whether a plumber as a valid licence and insurance. If not then it is extremely wise to steer clear � you�re asking for trouble! His insurance will cover you should anything go wrong and pay for any mishaps.
One thing that you should be certain of, before agreeing to use a plumber, is how much you will be expected to pay. Often, the plumber will not be able to give you a quote until he sees the damage, but he should be able to give you a rough idea of his general charges. Once you have a quote, you can compare this to other plumbers� quotes. You may be eager to get your plumbing issue resolved, but surely you don�t want to pay well over the odds to ensure this happens � be sensible and search for a good deal before committing.
You should also ask for references, as this will enable you to find a decent plumber who has provided a quality service to previous customers. In addition, you could search for online reviews and customer feedback, which can give you unbiased and honest views on a plumber.
MbaProjectReport.Net understands the fact that to write a unique MBA Project reports on Marketing,HR, Finance, Retail or Operations, you need a good MBA Synopsis or Research Proposal. The format for a standard synopsis or dissertation research proposal for MBA program usually contain: Introduction for the study, Need for the study, Objectives of the study, Scope of the study, Methodology and database, Period of the study, Limitations of the study, Bibliography. Once you approach us for project reports on marketing, finance or HR, be rest assured that you have expanded your comfort zone.
A Research proposal is intended to convince others that you have a worthwhile research project and that you have the competence and the work-plan to complete it. Generally, a research proposal should contain all the key elements involved in the research process and include sufficient information for the readers to evaluate the proposed study.
MBA Synopsis on Marketing, Finance, HR or Research proposal writing for dissertation is not just an additional work that your professors require from you. Without a good research proposal or MBA Synopsis you risk losing the time spent for performing all your previous work. A special committee will evaluate your research proposal and then decide on acceptance or rejection. The right to continue research work is straightly depends on their decision. As you can see writing a research proposal or MBA Synopsis is not a joke but serious and responsible. We provide genuine guidance which will enable them to understand the Dissertation Structure which consists of Abstract, Introduction, Literature Review, Research Methodology, Data Analysis, Conclusion and Questionnaire, (if any).
We initially commenced our dissertation and thesis writing services by assisting students and working professionals from Mumbai, Chennai, Hyderabad, Delhi and Kolkata pursuing Executive MBA from Symbiosis, FMS, XLRI, IIFT, IBS, ITM, BIM, IIPM, Welingkar, NMIMS , in drafting their MBA Synopsis, MBA Assignments,Research Proposal and providing them MBA Projects Topics and dissertation tips. We were later approached by students in UK Universities Greenwich, Liverpool, Kingston, Brunel to provide dissertations topics as the students were really finding it time consuming to even find a suitable project topic for their MBA Project Report and Dissertation.
A research proposal is as tough as it might sound to you. Time might get consumed heavily in looking for the right path and ideas which would lead you to writing the same. Desperate approvals and assured money-backs cause a lot of pressure to the brain making the search of the path even tougher. And hence a professional assistance is required to get you the approval you are seeking for. Although you face so many problems but you want the originality and the uniqueness of your research proposal or MBA Synopsis. You might get strained or defeated in order to get the things you require to write the proposal. Why not stop the trouble and pressure, and allow the professionals to help you build your desired research proposal?
The last thing you would ever want to leave to the last minute is a dissertation proposal or synopsis for MBA Project Report. Be sure to give yourself adequate time when tackling the dissertation proposal, otherwise you will be experiencing a lot of sleepless nights. Our Project Reports on Marketing, Finance and HR are unique. Avail our Sample MBA Project Reports.
MahaSagar Publications™ help you out in drafting 100% plagiarism free research proposal. The turnitin results for our works have always been less than 10%. We help MBA students in India and abroad in custom dissertations, custom research proposal, custom MBA Project Reports and MBA Synopsis.
Once you approach us for project reports on marketing, finance or HR, be rest assured that you have expanded your comfort zone.
Every post graduation student need to submit their project work in post graduation level. Project work plays important role at the time of interview and career ladder .especially in finance student project should be updated and unique from others. due to the lack industry knowledge project title selection is make lot of confusion, as per real time profession experience the project title should be select form current affairs scenario.
In financial industry various types of sectors like banking, stock market, stock market analysis, insurance, mutual fund, security analysis, bond analysis, economic analysis, currency market and debt market is available for mba project work.
Banking related topics are cover various types of analysis and operation related to bank, student can prepare venture capital, interest rate analysis; NRI banking, Interest rate swaps, currency rate swaps, customer’s satisfaction and other topics can cover. Banking sector many changing their policies and regulations before going to prepare banking related topic student need to improve sound knowledge about banking industry.
Updated topics for mba project work in MBA finance
A project report on stock market technical analysis on selected stock.
A report on comparison on selected investment opportunities.
A project report on working of Electronic stock exchanges in India.
Equity analysis of selected stocks by using of MACD.
A Report on arbitrage opportunities in NSE and BSE.
A analysis Risk and returns of selected mutual funds.
A project report on systematic investment plan in selected mutual funds.
A project report on investment in mutual funds investment strategies.
Various factor effecting in Indian economical behavior.
A Report on forecasting of security price using Relative strength Index.
A project report on comparison of SIP, STP and SWP in Mutual funds.
An analysis on hedging strategies by using the index with single stocks.
Project report on equity analysis on macro economic factors on selected security.
A project report on find out hedging strategies by using beta value of security.
Project report on impact microeconomic factors in selected securities.
A report on correlation of Indian markets with dollar price.
A project report on NIFTY hedging opportunities.
A project report on Indian indices reruns.
Economic analysis on Indian imports and exports.
A project report on banking sectors stock by using of technical analysis.
A report on comparison in debt products and equity products.
A project Report on Returns on bond yield for selected security.
Comparison between the two insurance companies.
a complete report on interest rates analysis.
Risk management in foreign exchange operations.
Report on advance financial statement analysis.
A project on monetary policy from RBI.
Financial subject most updated subject comparing to other subject at the time of selecting the topic student need to take necessary steps like following current affairs, conclusion factor and findings.
Debt financing. When it comes to business funding that is ‘ non equity ‘ in nature the busines owner and manager can benefit from a number of business financing solutions. A good solid way to begin is to ensure which solutions are available and to ensure you understand the pros and cons of each.
When it comes to debt finance solutions it’s paramount to remember that the lender, finance firm, bank etc is not sharing profits and is at risk – as such pretty well their only focus is getting paid!
In a way thatâEUR(TM)s the benefit, i.e. one of our âEUR~prosâEUR(TM) of taking on debt – You know exactly what conditions and rates come with the loan ( hopefully!) – It’s just up to you to ensure you have the cash flow to repay. So broadly speaking, you’re very much in control, unlike being at the whims of an equity investor.
Let’s recap some of the key sources of debt financing in Canada – they include:
Government Small business loans
Also included in our list are:
Asset based credit lines
Tax Credit Monetization
Supply Chain /PO Finance
These latter 5 monetize current assets so they are in fact a bit of a hybrid.
Most companies very quickly discover that no firm can be properly financed with 100% debt, so itâEUR(TM)s important to keep in mind the relationship between debt and equity. That equity in fact becomes the business owners risk and thatâEUR(TM)s why it’s probably also prudent to manage your debt load.
What factors affect a company’s ability to get debt financing? In smaller to medium sized firms the actual credit status and history of the owners is very important.
Is size important in debt financing? It sure is! Many firms constantly struggle to acquire more debt based on their growth needs. We can pretty well guarantee to clients that if the proper cash flow projections arent available, realistic and accurate that not a lot of debt financing is going to take place.
Rates are of course critical in debt financing, and are typically commensurate with the risk profile of your firm, as well as the nature of the firm or bank you are dealing with. The same pretty well goes for collateral, whether that is personal or corporate as a ‘ back up ‘ to the debt financing facility.
It’s critical to exercise diligence and caution when taking on debt for your firm. Just the actual ratio of debt to equity is a good number to always monitor… 2 Time debt to equity is a commonly respected ratio. When itâEUR(TM)s higher than that you’re force to generate extra cash just to pay and service that debt.
We’re pretty sure that we make debt sound like somewhat of a burden. That is not the case though, as the right amount of debt and overall leverage can make your company more successful, and if there is one guarantee in life itâEUR(TM)s that debt is cheaper than equity. And remember also that there are a number of non bank firms that can supply the debt you need if you are rejected by our Canadian banking system.
In many cases rates and size of the loan or loans you seek might be appropriate but the overall conditions the loan demands may not be suitable. That’s when you might well seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your debt financing and funding needs.
Leasing loans often come with issues that can’t be overlooked by the business owner/financial manager. Let’s pull back the curtain and expose some issues that must be dealt with properly to maximize the benefits of lease finance in Canada. Let’s dig in.
It seems simple, right? We’re referring to the basic concept of financing your assets via equipment leases. But simple calculator keystrokes (by you or the leasing company) can dramatically affect how much you pay as well as determining your rights and obligations under the lease contract.
We would point out also that many clients we talk to interchange the words ‘ lease ‘ and ‘ loan’ although they are somewhat different. In the clients eyes they are simply ‘ borrowing funds ‘!
Leasing companies in Canada ‘ structure’ transactions. That’s there term for helping you match the benefits of the useful life of the asset to your cash outflow – aka the monthly payment.
Instead of waiting for a lease offer to be presented it is important for the business owner/financial manager to proactively think about some key issues in advance. Factors that should be considered are pricing vis a vis your company’s credit quality, what type of lease you want or need ( there are two types ), what you want to happen at the end of the lease,, and how long you wish to spread out the payments for – known as the lease term or amortization.
TIP – Ask you lessor if payments under your lease were calculated in ‘advance’ or ‘ arrears ‘. This can change the profit made by the lessor and of course that implies the overall rate you are paying.
The huge amount of competitiveness in Canadian lease financing puts the borrower, that’s you, into the driving seat when it comes to getting an overall structure that makes sense for your firm.
Did you know that your payments under a lease don’t necessarily have to start when the equipment is delivered? In some cases special needs or complexity around the purchase of an asset can have your vendors paid, equipment delivered, and payments deferred. The industry calls this an ‘ interim rent’ issue, and allows your suppliers to be paid promptly while your asset gets installed, etc.
A common example would be a larger project your business is undertaking, requiring multiple suppliers to deliver products, get paid, etc. While the lease company earns a bit more finance interest profit on this type of transaction the ability for you to defer payments under a project is usually valuable.
TIP – Used equipment can easily be financing also. Issues that need to be thought out in advance and presented to your lessor are the age of the asset, long term ‘ shelf life ‘, determining the actual market or liquidation value of the asset, replacement cost,, as well as the ability of a used asset to generate sales and profits for your firm.
Don’t forget to think about these, as well as possible other issues relating to the overall benefits of lease financing in Canada. 80% of business leases assets as a cost effect way to run and grow your business.
Avoid any ‘ deadly sins’ in asset acquisition by seeking out and speaking to
a trusted, credible and experienced Canadian business financing advisor who can assist you in your lease finance needs.
Development Finance is a specialised form of funding suitable only for professional builders and developers. This form of funding will require the assistance of a professionally qualified and expert finance broker who has the required skills and experience to negotiate the finance on your behalf.
Suitable Development Finance Projects
If you are a professional builder or property developer, you must speak to an expert finance broker, who will help you in understanding the finance strategy required to fund any of the following projects:
€ Residential construction
€ Commercial property
€ Industrial property
€ Retail property, and
€ Land subdivisions
What Information do I need to provide?
Lenders/credit providers will look at a number of areas when they are considering your loan request. You will need to present a full proposal to the lender/credit provider, and they will require you to provide the following information:
€ Your Business Plan, which should list your background, professional qualifications and your trade and project management experience
€ Your experience as a property developer
€ The location of your proposed development
€ Development Type (Residential or Commercial)
€ The profit potential of the development
€ Your financial statement of accounts and personal assets and liabilities to determine your development cash flow
€ The amount of equity that you will bring to the development project
€ Copy of the planning consent and drawings for the scheme
€ Comparable evidence for the resales
€ A suitable exit strategy
Can I get an “In Principle” Decision?
When you are applying for development finance, you should have all the required information available so that the lender/credit provider can review and assess your finance proposal. The lender/credit provider will advise you:
€ If it is possible to arrange the required finance for development project, and
€ How long it will take to obtain an €In Principle€ decision (You must remember that the lender/credit provider will make the final decision)
Why Choose a Professionally Qualified and Specialised Finance Broker?
It is always wise to start the development finance process with a professionally qualified and specialised finance broker because:
€ They will help you to prepare a Business Plan, which will set out your development finance requirements in exactly the way that lenders/credit providers wish to see
€ They know what the standard requirements for development finance loans are
€ They can accommodate a much faster credit decision for you, provided that they receive from you all the required documents as soon as possible (e.g. your professional qualifications, trade qualifications and certificates and your previous building or development experience)
€ They can structure a Customised Development Finance funding strategy that will meet your needs regardless of the size or complexity of the building or development project
€ Through their extensive network of specialised lenders/credit providers and private lenders, they are better equipped to offer you access to funds for your required building or development project
€ They can help you to secure the required finance so that you can fund all the stages of the construction cycle:
> From financing the initial purchase of the land
> Through to progressive construction draw-downs, and
> To enable you to cover all the approval costs
So, this is what you, as a professional builder or developer, need to know about development finance. I sincerely hope this article helps you to understand why you need to seek assistance from only a professionally qualified and specialised finance broker.
Financing a franchise purchase in Canada often involves a ‘ trust factor ‘ that is being sought by the franchisee when it comes to choices and alternatives in accessing the right capital for the business purchase. That purchase can be from the franchisor directly, or from an existing franchisee that has the authorization to sell his or her business. Let’s dig in.
Often the franchisee is simply stuck at what we call the ‘ what to do ‘ phase of the business purchase decision. While many regard Canadian chartered banks as the solution for the buying of the franchise the hard truth is that this type of business financing is rarely done directly by the bank.
When it is it requires the purchase of one of the larger and well known names in the franchise industry. This eliminates hundreds of other franchises where the franchisor has not established a relationship directly with a bank program.
What then are three solutions available for the entrepreneur who wishes to enter this industry? One is what we just mentioned, purchasing one of the larger ‘ names ‘ in the business where established programs are in place. (By the way, that doesn’t guarantee approval, it gives you only the right to apply!).
The second solution is to work with a specialty franchise finance lender which again has some constraints around what and who they are willing to finance. The third solution? It’s to cobble together some financing via commercial finance firms that might consider financing specific assets such as equipment, leaseholds (difficult to finance), as well as working capital needs.
But wait… there’s more! One tried and tested solution is to utilize the Govt Small Business Loan, aka the ‘ SBL ‘. While not originally intended to finance the purchase of a franchise it has become the ‘ go to ‘ method of franchising finance for thousands of entrepreneurs.
What makes the govt loan so attractive is that it is easier to get approval for by virtue of the fact that the govt guarantees the majority of the loan to the bank. Rates are also attractive, and that includes the ability to prepay without penalty. Additionally not personal collateral is attached to the transaction, and those leaseholds, often difficult to finance, are fully financeable under the program.
Franchise purchases up to 350,000$ are financeable under the SBL. Basic requirements are a good personal credit history, a positive personal net worth, as well as being able to demonstrate and provide a strong loan package that includes a business plan, cash flow projection, etc. Remember the bank (and the govt) is not an equity partner with you, they simply want to be repaid from projected cash flow/profits.)
If you’re looking for franchise capital and are reluctant to pledge personal assets, home, etc seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your financing needs. It’s virtually the end of your ‘ what to do ‘ phase in financing a franchise purchase in Canada.