This applies to both cleaning technicians and office employees who have contact with your clients. Calculate labor costs even if you’re the one doing the house cleaning. This way, you always pay yourself, and your business continues making money. Many companies offer specialty services such as window washing, gutter cleaning, or electrostatic disinfection. Hiring a professional company specializing in this area is generally more expensive than hiring someone who provides basic home cleanings. The type of cleaning you will perform could raise or lower your rate.

This is a great question to ask when you’re scouting out services—ask if they are bonded and insured. Because of this and the deeper breadth of services they offer, the overall rate will probably cost more than an individual housecleaner but less than a large corporate agency. This option includes more than just the regular house cleaning service – it also involves detailed cleaning of every room in your home. Hiring a company specializing in deep cleans is best for homes that have not been cleaned thoroughly or where there are tough stains to remove. The price depends on how many rooms you want them to clean at once and what services are included in the deep cleaning service. In general, basic home cleaning services cost $100 – $150 for a four-room house. Hiring someone to clean your entire property will depend on the size and how dirty it is, but most companies charge between $120 – 200 per hour with a minimum of three hours required.

When deciding which cleaning products to buy, it’s important to consider various factors. You can choose between traditional cleaners like bleach or environmentally friendly and “green” products. Starting a cleaning business requires careful budgeting to cover essential expenses. Fixed costs refer to the expenses that remain the same no matter the changes in your business’s cleaning activities. Examples of fixed costs include rent, property taxes, salaries, and insurance.

Consumer cleaning entails working in people’s homes or residential spaces. You’ll likely get more direction from your client because it’s their personal space, and they might even have different specifications week by week. Your cleaners will have to be adaptable and respectful to the client’s home.

If you’re starting your business from scratch, you’ll need to start with choosing your business name and filing company formation paperwork. Although there are upfront costs, this is a crucial step for making sure you can operate your business successfully and start building a loyal client base.

Customer feedback and online reviews

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Once you’ve chosen a name, you’ll need to set up the legal structure under which you’ll operate. House cleaning services are calculated based on time or square footage. The smaller the area, the lower the cost, but pets and other factors can automatically increase any cleaning cost. Outside the home, certain jobs may be beyond the capabilities of most customers, and it’s important to understand when to hire a professional. Power washing the siding or stucco of a house may seem like an easy task to do with the purchase or rental of a power washer from a local home improvement store. But when done improperly, home exteriors can be damaged with the force of the spray at the wrong angle. Ductwork cleaning or mold removal are two more jobs that are best left to licensed, certified professionals who are equipped and trained to complete the job thoroughly and safely.

How to Prepare for A Home Cleaning Service

There are multiple ways of charging clients for house cleaning services. Financing a new venture can be the most difficult part when it comes to starting a cleaning business from scratch.

House Cleaning Prices: How Much Does a Cleaning Cost?

Before moving out, sellers will want to keep in mind that it’s also considered good practice to leave a home clean for the new owners. Not only does it show care for the property, but it’s safer to let other people move into an environment that’s free of germs, debris, and other health hazards. Moving can be an exhausting job, but it’s possible for homeowners to alleviate some stress by employing a cleaning service that does a full move-out cleaning. It’s common for customers to schedule this kind of cleaning for every week, every other week, or once a month. House cleaning prices tend to be higher in metropolitan areas than in rural areas as the cost of living is higher in many cities. You may need to provide cleaning supplies for an individual, but a company will usually bring their own supplies. You may want to ask about the specific cleaning products they use, especially if you or your family has any allergies or you have pets or young children in the home.

Consider joining local community groups or organizations where you can network and build connections. Offering special promotions or discounts for first-time customers can attract new clients.

Cleaning businesses range from individual home cleaners to specialist industrial cleaning services. Home-cleaning businesses larger than a few individuals will need more structure than a service you operate alone or on the side of another job. An individual house cleaner offers basic cleaning services like dusting, vacuuming, mopping, wiping down counters, and tidying the main living areas. While this costs less than hiring a professional company, a private house cleaner may not be bonded and insured.

Their experience and expertise can increase your chances of successfully obtaining a visa instead of having it rejected due to incomplete paperwork or incorrect filing procedures. We are a team of dedicated local lawyers with over 60 years of experience, committed to serving our community with integrity, determination, and a deep understanding of the law.

On the other hand, if the case turns out to be easier than expected, with hourly billing you will pay for only the hours of work actually done. With a flat fee arrangement, you don’t know whether the actual cost of the work was higher or lower than the estimate and thus you don’t know if you overpaid or if you underpaid and got a bargain. With a flat rate, the attorney will tell you in advance exactly how much the case will cost and you will be responsible for paying that fee. The lawyer bases that number on their experience with other similar cases. The fees charged will depend on what the lawyer needs to do for your case. Some immigration cases require only paperwork, while others are more complex and require going in front of a judge at an immigration court or a federal appellate court. Court appearances by your lawyer are likely to cost more than straightforward paperwork cases.

The reality is, however, the immigration process is complex, and there is usually a lot at stake. You risk being separated from loved ones or possibly even being deported. If your case isn’t just a simple, straightforward application, it could be in your best interest to get an immigration lawyer. Finding the best immigration lawyer in the USA can be a daunting task, but there are several things you can do to make the process easier. First, you can start by doing research online to identify potential immigration lawyers in your area. Look for lawyers who specialize in immigration law and have experience handling cases similar to yours. You can also ask for recommendations from friends, family members, or colleagues who have had positive experiences with immigration lawyers.

Usually, this means consulting with at least two or three attorneys before engaging their services. Immigration lawyers specialize in immigration law and know all the tricks of the trade to help get you a successful outcome. Immigration law is one of the most politically sensitive areas of law, and it can change with astonishing rapidity. Changes in immigration law have proceeded at a dizzying pace during the Trump administration, for example.

Citizens or permanent residents who are not considered “immediate relatives”, such as a parent, may also apply for a green card as well, however, only a limited number of these green cards are available every year. Thus, a person could very well have to wait several years before they can bring over a non-immediate family member into the country. National Immigration Law Center The NILC is dedicated to defending and advancing the rights of low-income immigrants. They not only employ a team of lawyers, but also offer training as well as fellowship and internship programs. You will have to take the American Bar Association exam to become a lawyer and a state exam according to the location where you will be working from.

By seeking legal services from a lawyer who understands both immigration and criminal proceedings, you’ll be more likely to avoid prosecution. With retainers, the client pays all the money owed to the lawyer into an account set aside specifically to hold clients’ money. When the lawyer works, they send the client a bill, but the client does not write a check – instead, the lawyer removes the amount of the bill from the retainer account. Immigration law is quite complex – there are more than 40 different types of nonimmigrant visas that are available.

Another great benefit of becoming a lawyer is the mental stimulus that comes with the job and the skills gained that transfer to alternative career paths. Additionally, if you require more court appearances or have a more complicated defense, you may also be required to pay extra. Additionally, this website may earn affiliate fees from advertising and links. We may receive a commission if you make a purchase or take action through these links.

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Immigration lawyers are already trained in how to meet the right deadlines. Lawyers and legal advocates are so critical to the process that between 2007 to 2012, only 5% of people who represented themselves in their cases won. Immigration lawyers can schedule various appointments with officials, receive necessary authorization letters, and help you prepare for the required English-language and civics exams. After searching and creating a list of potential lawyers, it is important to know how to pick the best match for you. The Green Card application, or the Application to Register Permanent Residence or Adjust Status, has a fee of $1,140. There is a supplement form to adjust status, which has a fee of $1,000, except for those under 17 or who meet other requirements. The City University of New York provides free legal help to migrant New Yorker’s (you do not have to be a student at CUNY to receive services), through their free CUNY Citizenship Now!

Additionally, they have a separate Immigration Law Section that has its own resources and private discussion group. Most, but not all, law schools require incoming students to pass the Law School Admission Test (LSAT) before enrolling, so you’ll want to start preparing for the LSAT well before you complete your bachelor’s degree. This does not account for lawyer fees, which are different for every lawyer. If you experience any difficulties, then it may be best to seek legal assistance.

Gain your attendees’ attention by sending push notifications, interactive quizzes, feedback surveys, and more to their smartphones. Attendee needs and expectations differ substantially based on their location, age, and industry, as well as many other elements.

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This is where you’re having frequent conversations with people you probably know. Use it to spread the news, share fun tidbits, and tag your sponsors and speakers. You won’t quite have the specifics you need to choose between finalists, but it’s these types of questions regarding space that are going to help you get to that point. You event depends on the purpose from a visionary perspective, but when it comes to execution, the realities of what you can accomplish come down to your event budget.

Moreover, relying on technology can also reduce some of the workload from your staff and streamline event planning. Apart from the tiered plans for ticketing, some events also sell a full-access pass. This can include even further VIP treatment that only a select few attendees can get their hands on. During the event planning process, think of the features that you want to make exclusive for all-access pass holders. You can sell a full access pass to entice attendees into paying a premium for a chance to get to meet those celebrities. Exhibitions can work at pretty much any type of event whether you are planning for it or not. Adding a virtual exhibit hall to your event isn’t a problem at all as online event platforms like vFairs are fully customizable and accommodate as many halls as you like.

Building out your goals and preliminary project scope enables you to frame your event and get buy-in from leadership. If your organization is already on board with the event, your goals and scope help move you along into the next stages of planning. We’ve also put together an easy-to-use checklist that provides a framework while planning your next event. In the days leading up to a successful big day, you’ll need to check off some crucial last-minute items.

Once the budget is discussed and agreed upon, they would have to work with the agreed-upon figure and efficiently meet your timeline. A good event management company must be highly flexible and great at improvising. Usually, management companies have to work with various teams and other service providers to make the event a success.

That unexpected responsibility, plus her marriage shortly before, had a seismic impact on her financial footing. There is always the potential of losing money when you invest in securities. Asset allocation, rebalancing and diversification do not guarantee against risk in broadly declining markets. All annuity contract and rider guarantees, including optional benefits and any fixed crediting rates or annuity payout rates, are backed by the claims-paying ability of the issuing insurance company. They are not backed by Merrill or its affiliates, nor does Merrill or its affiliates make any representations or guarantees regarding the claims-paying ability of the issuing insurance company. If your teenager has been receiving an allowance or has picked up her first real job, she now has a regular paycheck coming in.

Then build generational wealth using proven financial advice for women. Establishing effective communication and being responsive is paramount to maintaining female clients’ trust and retaining them as clients.

They can help you set and reach savings goals, plan for retirement, choose investments, devise a tax strategy, and even make insurance decisions. Brookstone Capital Management understands financial advisors’ unique challenges in marketing, maintaining, and growing their businesses.

If you are saving for a home, which is typically the most significant purchase people make in a lifetime, consider the full cost of your housing choice, Singleton advised. Once you’ve identified areas where you can cut back, direct those funds into an investment account and slowly increase the amount over time. In 2020, women made 83 cents for every dollar earned by men, according to the U.S.

But it doesn’t take a finance degree to understand some of the basics about saving and investing. Having been there myself, I thought I’d pass on what I’ve learned over the years. Plan for financial security and flexibility regardless of your relationship status. That way, whether your plans come to fruition or you enjoy remaining single, you will have made responsible steps to achieve a financially prosperous future.

And develop a smart strategy for maximizing your income when you claim Social Security,” recommends Sabbia. The opinions expressed in this newsletter are those of the Financial Advisor Kim Inglis, BCom, CIM, PFP, FCSI, CAFA and not necessarily those of Raymond James Ltd. (“RJL”) or Raymond James (USA) Ltd. (“RJLU”). Statistics, factual data and other information presented are from sources, believed to be reliable but accuracy cannot be guaranteed. It is furnished on the basis and understanding that Raymond James Ltd. and Raymond James (USA) Ltd. is to be under no liability whatsoever in respect thereof. It is for information purposes only and is not to be construed as an offer or solicitation for the sale or purchase of securities.

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As a child, Jean recalls working with her siblings at a poultry farm every Saturday as an egg checker, working to earn 10 cents to go to the movies. Jean says that her experience growing up during the Depression and being raised by a single mom impacted how she looked at finances. Personal recommendations are a good option for finding a planner who specializes in the LGBTQ community. You can also use XY Planning Network or Garrett Planning Network and filter by a variety of LGBTQ-related financial service providers. “Women relate to women in a way that men can’t,” Maggie Gomez, a certified public accountant and founder of Money With Maggie, said. “It’s always nice to be completely heard and understood. This comes much more naturally for women from what I’ve seen.” Calculate the difference between what you own and what you owe to see where you stand financially.

Shopify Payments comes with your Shopify plan, all you need to do is turn it on. Netflix was not doing any of this; it hadn’t even provided Shiller with the data he used (which he obtained from a third party). But of course in real life, Nagle admits, “if you did that, it would take you all day to go to the grocery store.” Disregarding the digits to the right side of the decimal point lets you get home and make dinner.

Every platform has its own benefits and drawbacks, and the best thing you can do is choose the solution that best suits your needs. Leveraging your product to create community and purpose is a crucial component to growing your own online store.

With limited packaging space and the high cost of in-store marketing, the online shopping experience has become a space for brands to tell their story differently and stand out from competitors. E-commerce has broken down geographical barriers, enabling businesses to reach a global audience without the need for physical store expansions.

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How a product looks on a website is an idealized version and user-generated photos, while not perfect, let customers see what a product looks like in real life. Professionally edited photos are great for product pages, but a genuine photo from a user can be just as powerful.

Despite the benefits of shopping online, there can be too much of a good thing. With tools like buy-now buttons, one-click ordering, and profiles that save our credit card details, it’s easier than ever to make impulse purchases and undermine our budgets. In China, online-to-offline (O2O) commerce relies on identifying and drawing potential consumers via online channels and funneling their purchase interest to traditional brick-and-mortar stores. The O2O channel saw significant sales growth, in addition to nearly doubling purchase frequency among shoppers in 2020. Hence, converted omnishoppers have great potential to drive long-term wallet share growth for companies. Competition to provide a great online shopping experience can be a challenge. Customers have high expectations, short attention spans and little time for browsing.

All four of these broadcast services grew increasingly vitriolic as the European nations prepared for war. Woodcut by Tommaso Garzoni depicting a town crier with a trumpetBefore the invention of newspapers in the early 17th century, official government bulletins and edicts were circulated at times in some centralized empires. The first documented use of an organized courier service for the diffusion of written documents is in Egypt, where Pharaohs used couriers for the diffusion of their decrees in the territory of the State . Julius Caesar regularly publicized his heroic deeds in Gaul, and upon becoming dictator of Rome began publishing government announcements called Acta Diurna.

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Newsworthiness

Today, Al Jazeera, a TV and internet news network owned by the government of Qatar, has become one of the foremost news sources in the world, appreciated by millions as an alternative to the Western media. State-owned China Central Television operates 18 channels and reaches more than a billion viewers worldwide. Iran’s Press TV and Russia’s Russia Today, branded as RT, also have multiplatform presences and large audiences. Other major international broadcasters include the People’s Republic of China, Taiwan, Germany, Saudi Arabia, Egypt, North Korea, India, Cuba, and Australia.

Public relations

The speed of news flow to individuals has also reached a new plateau. This insurmountable flow of news can daunt people and cause information overload.

With the spread of printing presses and the creation of new markets in the 1500s, news underwent a shift from factual and precise economic reporting, to a more emotive and freewheeling format. (Private newsletters containing important intelligence therefore remained in use by people who needed to know.) The first newspapers emerged in Germany in the early 1600s. Relation aller Fürnemmen und gedenckwürdigen Historien, from 1605, is recognized as the world’s first formalized ‘newspaper’; while not a ‘newspaper’ in the modern sense, the Ancient Roman Acta Diurna served a similar purpose circa 131 BC. This 2023 State of Local News Report is an effort to do just that – not only identify current local news deserts but assess areas of the country at risk of becoming news deserts. And as we chronicle the loss of news, we also set out in this report to document local news startups and to highlight shining examples of news organizations that are showing promise for the future. Chakravartty and Sarikakis, Media Policy and Globalization , pp. 58–72, 133–136. News Stories with a strong impact can be easily understood by a reader.

To this end, also, UNESCO formed the Non-Aligned News Agencies Pool. The Professional Model is when skilled peoples put certain events together for a specific audience. The reaction of the audience is influential because it can determine the impact that the particular article or newspaper has on the readers. This model aims to focus on particular events and provide accuracy in reporting. It focuses on influencing various news organizations by applying pressures to governmental processes. The Political Model outlines that news represents the ideological biases of the people as well as the various pressures of the political environment. This model mainly influences journalists and attempts to promote public opinion.

For the Holy Roman Empire, Emperor Maximillian I in 1490 authorized two brothers from the Italian Tasso family, Francesco and Janetto, to create a network of courier stations linked by riders. They began with a communications line between Innsbruck and Mechelen and grew from there. In 1505 this network expanded to Spain, new governed by Maximilian’s son Philip. This system became the Imperial Reichspost, administered by Tasso descendants (subsequently known as Thurn-und-Taxis), who in 1587 received exclusive operating rights from the Emperor. The French postal service and English postal service also began at this time, but did not become comprehensive until the early 1600s.

James S. Ettema, D. Charles Whitney, & Daniel B. Wackman, in Handbook of Communications Science , ed. Chaffee; reprinted in Berkowitz, Social Meanings of News , pp. 34–37. As the technological means for disseminating news grew more powerful, news became an experience which millions of people could undergo simultaneously. Outstanding news experiences can exert a profound influence on millions of people. Through its power to effect a shared experience, news events can mold the collective memory of a society. Public relations releases offer valuable newsworthy information to increasingly overworked journalists on deadline. (This pre-organized news content has been called an information subsidy.) The journalist relies on appearances of autonomy and even opposition to established interests—but the public relations agent seek to conceal their client’s influence on the news,.

These connections underpinned an extensive system of news circulation, with handwritten items bearing dates and places of origin. Centred in Germany, the network took in news from Russia, the Balkans, Italy, Britain, France, and the Netherlands. The German lawyer Christoph von Scheurl and the Fugger house of Augsburg were prominent hubs in this network.

See some different Colorful Design Ideas For Concrete Driveways.When it comes to durability, keep in mind the amount of traffic and the type of traffic your driveway will endure. Ft. concrete driveway is$4,000 to $8,000or$4 to $8 per square foot, depending on the size, shape, and decorative finishes. Small driveways may cost more per square foot because most concrete contractorshave a minimum job price. A concrete driveway costs$4 to $8 per square footor $1,600 to $6,400installed on average. The cost to pour a new concrete driveway with decorative colors, borders, stamped patterns, and finishes is$8 to $18 per square foot. While stamped concrete is pricier than asphalt, you’ll get a much better return on your investment.

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Interconnected Cracks

A single concrete block, as used for constructionConcrete is a composite material composed of aggregate bonded together with a fluid cement that cures over time. Concrete is the second-most-used substance in the world after water, and is the most widely used building material. Its usage worldwide, ton for ton, is twice that of steel, wood, plastics, and aluminium combined.

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Questions to Ask a Driveway Concrete Contractor

To estimate your total concrete driveway cost, you first need to calculate the size of the driveway. Many local councils in Australia specify a minimum width of 3 metres. The cost of a concrete driveway depends on the size, whether it’s on a slope and the type of concrete finish you want, among other things. For a quick cost estimation, please visit our concrete cost calculator. By far the most common method for recycling dry and hardened concrete involves crushing. Mobile sorters and crushers are often installed on construction sites to allow on-site processing.

If you’re budgeting for concrete driveway costs, check out these three types of concrete. Workability depends on water content, aggregate , cementitious content and age and can be modified by adding chemical admixtures, like superplasticizer. Raising the water content or adding chemical admixtures increases concrete workability. Excessive water leads to increased bleeding or segregation of aggregates , with the resulting concrete having reduced quality. Changes in gradation can also affect workability of the concrete, although a wide range of gradation can be used for various applications.

Driveways come in all shapes and sizes, and the types of damage they can experience vary just as much. That’s why it’s impossible to pinpoint an exact cost figure for concrete driveway repairs.

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The all-black design gives you the ability to blend this bench into any background. The finish also acts as a protective barrier against chips, scratches, and stains, further adding to the bench’s professionalism. We picked the Yamaha BB1 as our best overall piano bench due to its simplicity. Piano benches are straightforward in their design and intent and the BB1 exemplifies this. It also comes from a world-renowned audio manufacturer. With Yamaha, you know you’re getting an excellent product.

If you’re looking for a piano bench that offers both comfort and convenience, the Donner Piano Bench with Storage is a great choice. With its solid wood construction, high-density sponges, and non-slip rubber pads, this bench is designed to provide a stable and comfortable seating experience. Plus, the built-in bookcase storage compartment is a great feature that makes it easy to keep your sheet music and other accessories organized. A piano bench is a bench that is usually used in a piano room. Its purpose is to provide seating for the pianist and other listeners of the music played by the pianists.

The key signature is located right before the time signature. It tells you what key you’re in by listing all the sharps and flats in the piece. Knowing how to recognize patterns is a shortcut to reading music. For example, if you can recognize a scale, you’ll know that notes are just going up or down step by step. In each staff , there are five lines with spaces between them. If this feels easy, try playing loudly in one hand and softly in the other. Hand independence is something you’ll continually work on as a pianist.

This negatively affects the technique, finger speed, note accuracy, and correctness of movements. You need to lower the bench to the lower position at home, and then adjust it to the desired exact height and count the number of rotations. Similarly, you can adjust any other bench just by counting the same amount of turns. Once you have adjusted the stool to the correct height in your home, walk up to it and touch your knees to the bench. Remember the point on your knees where the top of the bench is.

Piano Benches with soft padding

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Donner Piano Bench with Storage

This makes the legs very resistant, firm, and stable. This durability and resistance, together with its classic style is a one-of-a-kind seal of quality. Hence, it is an easy and very comfortable color option for any type of person in all homes.

Ultimate-Guitar.com contains chord charts for piano, guitar, bass, and ukulele. Chord charts can be toggled to “piano” to show diagrams of how to play each chord. “Sus” means “suspended” and it’s when you switch out a note for another. So Gsus4 would mean switching out the third for a fourth to form G-C-D. Seventh chords have a dreamier sound and are often used in jazz piano. A slash chord, like F/E in “Yesterday,” means you play the note after the slash as your bass note while your right hand plays the chord F on top.

The padded back gives you enough support to help you sit correctly, making it very comfortable for those long gigs or practice sessions. Wenger’s Musician Chair offers many of the same features as a Cellist Chair. For me, the main difference is that the seat-back tilts backward slightly and doesn’t provide as much support as the closer-positioned Cellist Chair seat-back.

A strong business credit score could mean that you don’t need to guarantee the loan with your personal assets. The exact documents required to get a business loan vary by lender. However, there are some documents that most lenders use to assess and verify an applicant’s identity and a business’ existence. Traditional term loans are lump sums that you pay back over time with interest and often have high borrowing maximums — SBA loans can reach $5 million, for example. Many lenders also offer specific products to fit a growing company’s needs, such as loans for equipment or vehicle purchases.

With invoice factoring, the business sells outstanding invoices to a factoring company, which becomes responsible for collecting payment. Explore financing options and cash flow strategies on Small Business Resources. Applying for a small business loan Expand this section to learn more about how to apply and the information you’ll need for your application. Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.

“I just couldn’t believe it,” Claudio, who pays $2,100 a month, told Business Insider. “I’m literally saving $700 to $800 a month on my mortgage payment. It’s a win-win situation, no matter which way you look at it.” The transaction is called an assumable mortgage, which has grown in popularity as rates have risen. There are several reasons why a business might need to obtain a loan with no money. You can use crowdfunding platforms like Kickstarter or Kiva to find interested parties. You usually reward your small business investors with perks like your product, swag or equity, depending on the level of investment. You’ll be expected to have a strategy for high growth in place to satisfy the investors.

Choose a type of loan

So they might not be offered as favorable a deal on a business loan. Almost any business can apply for a business loan, but a lender may require extensive documentation during the application process. The borrowed funds are made available as either a lump-sum payment or a line of credit. Businesses must then repay their lender according to the terms of the loan, which dictate the length of the repayment term and the interest rate charged. Crowdfunding offers startup founders a way to raise funds for their business without having to borrow from a traditional financial institution or friends and family. Business owners can start a crowdfunding campaign using an online fundraising platform like Kickstarter or Indiegogo. Alternatively, startup owners may consider borrowing money from friends or family to get their business off the ground.

How Do Business Loans Work?

While some may think of small businesses as solo practitioners or mom and pop shops, the Small Business Administration has a far broader interpretation. To qualify as a small business, a company cannot exceed standards for average annual revenue or average number of employees, depending on the industry. For example, soybean farmers are considered to be a small business up to $2.25 million in annual revenue, while flooring contractors are small up to $19 million in annual revenue.

Common Uses for a Business Loan

The overall time it takes to get a business loan depends on several factors, including the lender and type of loan. However, the business borrowing process typically takes anywhere from a few days to several months. Business owners who need to access cash quickly may need to work with an alternative lender or other financial institution that specializes in accelerated How Can I Get a Business Loan approval and funding speeds. Borrowers who need fast access to cash may benefit most from short-term lines of credit. While this type of financing comes with brief repayment terms—usually less than a year—funding times may be faster than for traditional lines of credit. In fact, borrowers may get access to their line of credit within hours of approval.

It can be difficult to get a small-business loan if you don’t have good credit and strong finances. It may also be difficult to get a loan if you are a new business. It can also be helpful to have a business attorney review the agreement. Organizations like SCORE can provide low- or no-cost access to small-business legal services.