Small Business Phone Systems

#telephone #systems #for #small #business #reviews

Small Business Phone Systems

Cut Costs with a Small Business Phone System

Save cash and help your employees improve their productivity with a small business phone system from Cisco.

It’s easy with a Cisco Business Edition 6000S (BE6000S) phone system for small businesses. You can collaborate in real time, using many applications, and with a simple and consistent user experience. It’s a more cost-effective and far more powerful communications solution than a traditional PBX telephone system.

Stay on Top of Your Game

Employees, business partners, and customers can conduct business using combinations of voice, video, messaging, data, and mobility applications.

With the BE6000S small business phone system, you can access the following applications quickly and easily:

  • Voice over IP (VoIP) phone Calls
  • Calls from mobile smartphones and tablets
  • Voicemail
  • Paging
  • Instant messaging and presence
  • Video and web conferencing

Cisco small business phone systems offer you simplified communications that enhance key business relationships, reduce your communications costs, and improve productivity for you and your coworkers.

The Cisco Business Edition 6000S is designed specifically to meet the needs of small businesses with up to 150 users. It provides all the essential communication and collaboration capabilities you need. With Business Editions 6000S, you get an easy-to-deploy, manage, and use IP phone system, plus much more.

CitiBusiness ThankYou® Credit Card Review – 0% APR for 6 Months

#citi #small #business #credit #cards


CitiBusiness ThankYou® Credit Card Review

CitiBusiness ThankYou® Credit Card

Advertiser Disclosure: This post includes references to offers from our partners including Citibank. We may receive compensation when you click on links to those products. However, the opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.

The CitiBusiness ThankYou Card is one of Citibank s credit cards that targets small businesses and sole proprietors, and offers ThankYou points and rewards in exchange for purchases. Instead of focusing on one specific reward, such as cash back or airline miles, the CitiBusiness card rewards business purchases with ThankYou points which can be redeemed for travel certificates, gift cards, or cash back. The CitiBusiness ThankYou card offers a flexible rewards program and no annual fee.

Key Features

  • Sign-up Bonus. You receive 15,000 bonus ThankYou Points when you spend $3,000 in the first three months of opening an account, which equals $150 when redeemed for gift cards.
  • Fees. There is no annual fee for the Citi Business ThankYou card, and no fee for additional cards. The foreign transaction fee is 3%. Balance transfers are 3%, with a $5 minimum.
  • APR. There is an introductory APR for purchases of 0% for six months from the date the account is opened. After that, the APR is 13.24%. There is no introductory APR for balance transfers.
  • ThankYou Points. The Citi Business ThankYou card rewards purchases with ThankYou points at the rate of three for each dollar spent on quarterly rotating business categories that you are automatically enrolled in each quarter. For example, the April-to-June category rewards 3 points per dollar spent with computer equipment, software, and telecommunications merchants. You also earn one ThankYou point for each dollar spent on everything else. You are able to earn unlimited points that do not expire. They can be redeemed for gift cards, merchandise, or cash back.
  • Anniversary Bonus. At the end of each membership year, you receive an anniversary bonus on the ThankYou points earned from purchases that year. The membership year begins as soon as you become a member and resets each year on that date. For the first year, the anniversary bonus is 1%; for year two, the anniversary bonus is 2%; and each year after is 3%.


  1. No Annual Fee. There is no annual membership fee for the CitiBusiness ThankYou card.
  2. Introductory APR. If your business needs to make a large purchase, you have six months to pay for it before you start to pay interest. This could save you money as long you as make sure you pay off the purchase within the introductory period.
  3. Sign-up Bonus. The sign-up bonus is equal to about $150 in gift cards, which is a nice bonus, especially for a card that doesn t have an annual membership fee.
  4. No Cap on Earning Rewards. There are a number of cards that cap the amount of points or cash back that you are able to earn for each quarter, which can mean that businesses that spend a lot miss out on bonus points. For example, the Chase Ink Cash Business Card rewards 5% cash back on purchases made at office supply stores, but only on the first $25,000 spent per year. After that, you only earn 1% on purchases. The CitiBusiness ThankYou card allows you to earn an unlimited amount of points which do not expire.
  5. Automatically Enrolled In Bonus Categories. Most rewards credit cards with quarterly bonus categories require that you enroll or sign up for the category every quarter. If you forget, you only earn 1% on purchases made in those categories. The CitiBusiness ThankYou card automatically enrolls you in those categories so there is no worry of forgetting and possibly missing out.


  1. Rotating Categories. Because of the rotating categories, you need to manage your spending and plan ahead in order to make sure you take advantage of every opportunity to earn bonus points. Although you are automatically enrolled in the rotating categories, if you are unable to plan your spending around the quarterly categories, you may end up only earning only 1 point per dollar for big purchases. If this is the case, a rewards card that provides a flat-point structure or a flat cash-back rate may be better for your business. Additionally, a card that awards the entire year for business-related purchases or purchases your business frequently makes may suit your business better than a system of quarterly categories.
  2. Low Return for Cash. ThankYou Points are worth about one cent each when redeemed for gift cards or travel certificates, but are worth slightly less if you prefer cash back or a statement credit in which case the points are worth around 0.625 cents each. For merchandise, the value of points could be as low as one-half cent each.
  3. No Introductory Balance Transfer APR. The introductory period only applies to purchases made within the first six months. It is fairly uncommon for a business credit card to provide an introductory APR on balance transfers, but if you are working on eliminating debt and need to transfer balances from high APR cards, there are various personal consumer credit cards that offer 0% on balance transfers for 12 to 18 months, such as Citi Simplicity (0% for 18 months) and Chase Freedom (0% for 15 months).
  4. Foreign Transaction Fee. Foreign transaction fees range from 1% to 3% and Citi cards are generally at the highest with 3%. If you travel frequently outside of the United States, you should use a different card for your purchases; otherwise, you re going to end up paying an unnecessary 3% fee on everything you buy while overseas.

Final Word

The CitiBusiness ThankYou card is a no-annual-fee credit card that provides a great opportunity to earn ThankYou Points for either cash or the next-best reward, gift cards. However, if you prefer to earn straight cash back on general purchases and do not want to rely on rotating categories, you should opt instead for a business card with flat, all-year rewards. Additionally, the foreign transaction fee of 3% keeps the CitiBusiness ThankYou credit card from being an ideal choice when overseas.


The CitiBusiness ThankYou Card is a basic, no-annual-fee rewards card for small businesses. The rotating categories that provide bonus points each quarter on purchases could be a hassle for small business owners.


4.0 out of 5 stars: There is no annual fee for the CitiBusiness ThankYou card, and you are able to earn a large amount of ThankYou points, but rotating categories for bonus points and low redemption rates on most options prevent it from being a truly great business credit card.

Colorado Business Liability Insurance – Multiple Liability Insurance Quotes in CO, small business insurance colorado.

#Small #business #insurance #colorado

Business LiabilityInsurance

Where Providers Compete to Protect Your Business

Colorado Business Liability Insurance

Colorado business liability insurance is for the large and the small business alike. Unfortunately, the smaller companies are not aware of how incidents that happen within large establishments can happen to them as well. Being that the small business is vulnerable in many instances, it is very important to relieve those vulnerabilities.

Colorado business liability insurance is all about relieving the smaller companies from the expensive that can bring them under. Even if a company doesn’t close due to a Colorado lawsuit, it can suffer if there isn’t proper CO insurance in place. Usually, trying to recover the damages involves carrying lower quality products, cutting costs in areas that promote productivity, and laying off employees.

Because all of the cost cutting measures can hurt a business, if not done right, the establishment could go under anyway. It just takes longer. So by having Colorado liability insurance in place, you are making sure that there is no short-term or long-term destruction of the company.

Types of Liability Coverage

In order to make sure you are properly insured, it is good for you to know the types of Colorado business liability insurance that is available to you. The first is your basic insurance. This includes your bodily injury, personal injury, property damage, and advertising liability insurance. In other words, you get the basic coverage that applies to virtually all industries.

There is also what is called Colorado directors and officers (D O) liability. This is where the CO business is protected against any negligent acts that are committed by those in charge. Since the entire company is not liable for the actions of these individuals, it is good that this form of coverage in place so that the entire company doesn’t have to pay for their actions.

Employer liability is frequently referred to as workers compensation and, in many cases, is required by law anyway. It depends on what kind of industry you are in. For instance, sole proprietors may not be required to have any kind of coverage for their employees because, many times, there are no employees. Nevertheless, even those businesses in which it is not mandatory to have this sort of coverage will benefit from having it.

Professional liability is another area in which you need coverage. If you would professionally do something that would result in injury or loss to someone else, then your Colorado business liability insurance will cover you. For example, not fulfilling a job the way it was meant to be fulfilled could result in a lawsuit against you. If it would happen, your policy would cover you so that you would have nothing to worry about. Professionals make mistakes just like anyone else, but their mistakes tend to be more devastating to others.

Benefits of Coverage

There are many benefits to Colorado business liability insurance. First, you have convenience from the beginning. When shopping for Colorado business liability insurance, you can take advantage of online quotes. This allows you to compare the rates of the different policies that fit your needs. The purpose is to give you an idea of what you will be paying for this Colorado insurance.

From there, the application process is rather simple in that you provide basic information about what kind of Colorado business you have. This will have a lot of bearing on what your final premium will be. Also, the number of claims you’ve had in the past whether or not you’ve been with an insurance company will make a difference. Those with no claims on their record will have a lower premium than those who do.

After you are covered, you are protected from the high cost that litigation brings to a Colorado business. Many businesses have been saved because they have Colorado business liability insurance to protect them. They have a shield between them and the legal claims that can destroy their bottom line. In other words, profits don’t have to be touched, offering unprecedented financial protection.

If a claim is made against you, your Colorado business liability insurance takes care of everything for you. You provide any and all information regarding the claim and they take care of the rest. The goal is to pay out as little as possible, so a settlement will be attempted to be reached in order to make that possible.

Overall, you will be able to run your company without much interference financially. Since claims can put a damper on things, you don’t have to let the damper last that long. You simply provide all of the information you need to provide to the insurance company and everything will be taken care of for you. From there, you can service your customers and clients the way you always do because Colorado business liability insurance allows you to do that.

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Office Phone, VoIP & Internet

#infostructure, #office #phone, #business #voip, #sip #trunking, #small #business #phone, #pbx, #hosted #pbx, #isp, #internet #service #provider, #local #phone, #long #distance, #broadband, #high #speed #internet, #ip #voice, #business #voice, #business #internet


out of this world

Hosted PBX
Phone Systems

An Evolutionary Leap in
Office Phone Systems

Advanced PBX features ease and speed of use, lower costs, and no phone system maintenance this is the promise of infoPBX, an Internet phone platform designed for small and medium businesses. infoPBX integrates your desktop phone and PC and provides you with a wide range of voice applications. [ read more ]

SIP Trunking

Making Full Use of Your
IP-PBX Systems

infoSIP is a VoIP service engineered for business quality, now available in two plans. Both plans are priced at low monthly rates per Internet phone line, also known as a SIP trunk. Long distance in both plans applies to Continental US calls. International calling is billed at separate rates for all of our rate plans. [ read more ]

High Speed

Scalable, Reliable and
Affordable Bandwidth

Your business requires reliable, uninterrupted Internet broadband at the fastest speeds available and at highly competitive prices. Our high speed internet solutions are designed for businesses like yours that require high Internet bandwidth that is easily scalable, reliable and affordable. [ read more ]

Hosted PBX Phone Systems

An Evolutionary Leap in Office Phone Systems

Advanced PBX features ease and speed of use, lower costs, and no phone system maintenance this is the promise of infoPBX to provide sophisticated technology for small and medium businesses without the costs. The infoPBX integrates your desktop phone and PC and provides you with a wide range of voice applications, and because these applications are hosted on our VoIP servers; there is no need for you to purchase a system, cards, server or software.

The applications are bundled in three different price plans and offered as a managed service that is billed monthly, making infoPBX an affordable and powerful desktop solution that gives your business the competitive edge it needs in today’s economy. And it s available in high definition (HD) voice a technology that makes standard landline audio twice as clear.

SIP Trunking Connectivity

Making Full Use of Your IP-PBX Systems

infoSIP is a VoIP service engineered for business quality communication. Save the investment you’ve already made in your PBX equipment and simply add SIP trunks available in two plans. Plans are priced at low monthly rates per Internet phone line, also known as a SIP trunk. Long distance in both plans applies to Continental US calls. International calling is billed at separate rates for all of our rate plans.

High Speed Internet

Scalable, Reliable and Affordable Bandwidth

Your business requires reliable, uninterrupted Internet broadband at the fastest speeds available and at highly competitive prices. Our high speed internet solutions are designed for businesses like yours that require high Internet bandwidth that is easily scalable, reliable and affordable.

Health Care Reform: What it Means for Small Business, NC Justice Center, north carolina small business health insurance.

#North #carolina #small #business #health #insurance

Health Care Reform: What it Means for Small Business

Health Care Reform: What it Means for Small Business

Health reform will provide some immediate benefits to small businesses in North Carolina such as substantial

tax credits to help offset the cost of providing insurance. Many other important protections will phase in

over the next four years.

Beginning this year small businesses with fewer than 25 full-time employees are eligible for tax credits of up

to 35 percent of the employer’s insurance premium contributions. To be eligible the employer must

contribute at least 50 percent of the total premium for employee health coverage and have average wages

of less than $50,000 per year.

As an example, let’s take an employer with 9 full-time equivalent employees that pays average annual

wages of $23,000. If the employer pays $72,000 in health care premiums then the business would qualify

for a 2010 tax credit of $25,200. In 2014 the tax credit will increase to 50 percent of the employer’s

insurance premium contributions. In our example that’s $36,000 in credits.

The tax credit offsets an employer’s actual income tax liability or alternative minimum tax liability for the

year, which means that businesses with no taxable income generally can’t claim the credit. Businesses can

carry the credit forward for 20 years to help cover future tax liabilities. Businesses will claim the credit on

their annual income tax return.

Nonprofits are also eligible for tax credits, although the credit covers 25 percent of the employer’s premium expenses

instead of the 35 percent available to small businesses. For tax-exempt organizations the credit is refundable and

available even though the organization does not have taxable income. The credit available to nonprofits also can’t

exceed the amount of income and Medicare taxes the employer withholds from wages each year.

By 2014 North Carolina must set up a health insurance exchange that is available to individuals and small businesses

with 100 or fewer employees.

What is a health insurance exchange?

  • An exchange is an insurance clearinghouse established by the state. An exchange allows individuals and small businesses to band together and purchase insurance as a single pool. This will make insurance premiums more affordable – especially for businesses with older employees.
  • The exchange will also impose important protections for individuals and small businesses. Reform will prohibit varying premiums by medical history or gender. It will also limit how much premiums can vary according to age.

  • North Carolina must establish an exchange by 2014, but federal grants are available if the state wants to create a clearinghouse earlier. The state is allowed to operate a single exchange or two exchanges – one for small business and one for individuals. Creating a single exchange would provide a larger purchasing pool and lead to better rates for consumers. After 2017, North Carolina can elect to allow employers with more than 100 employees to purchase coverage

    through the state’s insurance exchange.

  • Beginning in 2014 businesses with more than 50 employees will be required to offer health insurance. Employers with

    more than 50 full-time workers that do not offer insurance will pay a fine of $2,000 for each full-time employee. The

    first 30 employees are exempt from the penalty.

  • Companies that offer insurance are expected to subsidize a portion of the premium cost for employees.

    If an employee is required to pay more than 8 percent of his or her income for a company health insurance policy,

    then the employee can decline the company’s insurance plan and instead buy coverage through the state exchange.

    The employee is allowed to take the company’s insurance premium subsidy in the form of a voucher to help buy

    coverage in the exchange. If a company insurance plan costs more than 9.5 percent of an employee’s income then

    the employee can purchase insurance through the state exchange and receive federal subsidies. The company must

    then contribute $3,000 to help fund the federal subsidy provided to the employee.

  • Colorado Business Insurance – Colorado Small Business Insurance, Hiscox, colorado small business insurance.

    #Colorado #small #business #insurance

    Colorado Business Insurance

    Get an instant, free quote and buy online.

    Hiscox can help you if you have a professional services business in Colorado. We currently offer a range of small business insurance coverage, including professional liability insurance, general liability insurance and more. We offer Colorado small business insurance across the state. Hiscox small business insurance products include:

    General liability insurance, known as Commercial General Liability (CGL), protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. Some examples of what could be covered are below:

    • Bodily injury: An interior designer invites a prospective client to their home office to review color and fabric samples. The client trips on the steps and breaks their arm. The designer has a general liability insurance policy which could cover the costs of the client’s injuries.
    • Property damage: An IT consultant is performing maintenance on a client’s server. The temporary assistant he hired to help with the project spills a cup of coffee on the server, damaging it beyond repair. The consultant’s general liability insurance policy could cover the cost to replace the server.
    • Defamation and slander: A marketing consultant posts on social media on behalf of a client. The post includes what is supposed to be a lighthearted reference to a competitor, but there is a typo in the post that changes the meaning. The resulting post is quite derogatory, and the competitor sues. The consultant’s client sues them, but they could be protected with a general liability insurance policy.

    Professional liability insurance, also known as errors and omissions insurance (E O insurance), covers another person’s claims against businesses that provide professional and personal services. Some examples of what could be covered include:

    • Negligence: A personal trainer suggests a new exercise to a client. The client fails to disclose to the trainer that he had back surgery recently and the new exercise causes back pain. The client sues the trainer. A professional liability insurance policy could protect the trainer, even if they didn’t make a mistake.
    • Copyright Infringement: A graphic designer creates a logo for a client in the technology space. Several months after the client begins to use the logo, they receive a cease and desist order from a large corporation in another industry, stating that the logo infringes on their copyright. The client sues the designer to recover the costs to redesign the logo and reprint their marketing materials. The designer is protected by a professional liability policy, which could cover their costs.

    Business owners policy (BOP) is a combination of general liability and business property insurance. BOP is often used to provide balanced coverage for small businesses who also want to protect their own business equipment. Some examples of what could be covered are below:

    • An IT consultant’s server is damaged when there is a power surge, and it cannot be repaired. The cost to replace the server could be covered by the consultant’s Business Owner’s Policy.
    • There is a gas leak in the strip mall where a retail store is located, forcing the store to shut down for a week. A business owner’s policy that includes business interruption coverage could protect the retailer from the costs associated with the loss of business.

    Business Auto Insurance: Small Business Insurance Quotes #cars #online

    #commercial auto insurance

    Quote Buy Online

    Whether you’re a landscaper, cabinetmaker, or florist, your customers are the heart of your small business. They depend on you to provide a service, like a unique landscape design, a hand-carved kitchen cabinet, or an exotic bouquet of flowers. Every day, you strive to provide the best products and services so that your customers are satisfied. You can trust Progressive to provide you with the best commercial small business auto insurance solutions, to protect you and your business in the event of a claim.

    Call 1-888-240-9837 for Your Free Quote

    Small Businesses We Insure

    Progressive’s offers small business auto insurance to a variety of business types, including the following:

    • Landscaping and snowplow insurance
    • Artisan and contractor insurance
    • Courier and delivery insurance
    • Restaurant and food service insurance
    • Farming and livestock insurance
    • Wholesale business insurance
    • Religious and nonprofit organization insurance

    With Progressive’s small business auto insurance, you can cover a variety of vehicle types, including cars, pick-up trucks, vans, and SUVs. You can insure both inexperienced and veteran operators with clean driving records or points, too. In some states, we even offer coverage for drivers who have a foreign driver’s license.

    Auto Insurance for Businesses

    Progressive offers customized business auto insurance quotes for almost every type of small business. If you’re a new business owner with a pick-up truck or an experienced business owner with a cargo van, Progressive offers small business auto insurance solutions to meet your needs. Get your small business auto insurance quote and see how you can save.

    Starting a Child Care Business in California #it #for #small #business


    Starting a Child Care Business in California

    Starting a child care business in California involves a particular set of legal considerations that are specific both to the type of business and to the State of California. These include choosing the proper business entity, obtaining licenses and permits, dealing with health and safety, getting adequate insurance, and dealing with employees.

    As we review some of these considerations, keep in mind that the terms daycare and child care are largely interchangeable in California; many of the state s laws, publications, and websites refer to child care rather than daycare.

    To learn about other California business opportunities, see Nolo’s section on Starting a Business in California .

    Choosing the Business Entity

    While you could operate your daycare business as a sole proprietorship or partnership, you should consider using a legal form that protects you from personal liability, such as a limited liability company or corporation. A child care center may not be the most dangerous business, but you will be taking care of the most precious thing in the lives of your clients: their children. You will be responsible for the health and safety of those children, many of whom may be toddlers, for hours every day. There is always a possibility that a child could be injured while on the premises of your child care business in which case you would want the business, not you personally, to be responsible for any liability.

    Licenses and Permits

    In California, licensing of child care businesses is handled through the Child Care Licensing Division (CCLD) of the Department of Social Services (DSS). You need a license if you will be caring for children from more than one family that is not related to you. Operating without the required license can result in significant penalties.

    One key distinction made by California s child care laws is between care provided in a person s home ( Family Day Care or Family Child Care ) and care provided at an independent facility ( Child Care Center ). The license and renewal fees are higher, and the regulations more extensive, for child care centers.

    You will need to attend an orientation session before you can apply for a license for either a family child care (in-home) business or a child care center (separately located) business. To schedule an orientation, you should contact the nearest state licensing agency; a list of locations is available online. You will need to pay a nonrefundable fee for the orientation.

    After you successfully complete the orientation, you will need to complete the license application. The application asks for a variety of information, including:

    • what ages of children you will be taking care of (infants, toddlers, pre-schoolers, school-age)
    • what capacity you are seeking for children in each age range
    • whether you own the property where the care will be provided
    • whether your business will be for-profit or nonprofit, and
    • acknowledgments regarding knowledge of, and compliance with, health and safety, criminal record, and other regulations

    You also will have to pay a license application fee; this fee will vary depending on the number of children you will be caring for, but may run into the hundreds of dollars, with a similar amount due each subsequent year as a renewal fee.

    More information on licensing is available at the CCLD s website .

    Apart from state licensing, you should keep in mind that there may be local zoning laws that would prohibit running a child care business in a particular location. This is more likely to be an issue if you are thinking of operating the business out of your home and you live in a clearly residential, as opposed to commercial, area. Even if a child care center is permissible under the local zoning ordinance, you may be required to obtain a compliance certificate from the local zoning authority. In short, your best bet is to investigate zoning regulations before you open for business.

    Health and Safety

    The government is very concerned about the health and safety of infants and small children, and California s child care regulations are extensive. For example, one of the state s manuals of policies and procedures for home-based child care businesses is over 80 pages long; the manual for freestanding child care centers is much longer.

    With some variation depending on whether you are operating out of your home or an independent child care center, key areas of state regulation include:

    • criminal record clearances, including checks related to child abuse
    • fire safety clearances
    • training requirements for center personnel
    • reporting requirements when children need medical treatment or there are other unusual incidents
    • ratio of staff to children
    • requirement that individual named licensee be present at the center
    • safety of toys and play areas
    • prohibition on smoking cigarettes
    • disaster evacuation planning
    • financial records requirements
    • specific teacher-to-children ratios for toddlers
    • transportation of children
    • food service requirements
    • napping
    • minimum required outdoor space
    • building fixtures and equipment
    • distinctions between infant care, toddler care, and school-age care, and
    • state inspection authority

    As the last item on the list indicates, the state has the authority to inspect your operation. These inspections may be unannounced and may include interviews of children and staff. They may also include inspecting any part of the child care center, or those parts of a home in which child care services are provided. Similarly, you should expect that a fire marshal or other fire prevention official will make an inspection to ensure there are adequate routes of escape in case of fire.

    The CCLD has published readable regulation highlights documents that provide more details on these matters for both freestanding child care centers and in-home family child care; the documents are available at the CCLD s website .

    Tax Deduction

    If you run your daycare business out of your home, you may be able to deduct expenses for the business. To qualify, you must (a) provide daycare to children, and (b) be licensed by the state or exempt from the state s licensing requirement. Details about how to figure the deduction can be found on IRS Publication 587, available at .


    There are particular risks associated with operating a child care center, primarily those related to the health and safety of infants and small children. These are on top of more generic business risks such as fire, theft, or other sources of property damage or personal injury.

    Try to work with an insurance agent who has previous experience writing policies for child care providers. Consider coverage for sexual abuse or molestation, for corporal punishment, and for employees who are child care providers. In general, make sure you have an excellent general liability policy.


    Most daycare centers have employees and, in many cases, there can be relatively frequent turnover. You should inform yourself about basic employment law issues such as illegal discrimination, workers compensation, and how to handle the hiring process. With regard to hiring in particular, learn how to:

    • create a useful job application that does not include illegal questions
    • check references or make other preemployment inquiries — again without violating privacy laws or otherwise seeking illegal information, and
    • ask interview questions that are both useful and legally permissible.

    Keep in mind that there are some employment laws that are specifically relevant to daycare workers, such as state training requirements and rules relating to criminal records. California requires the licensee of a home-based child care operation, and at least one on-duty staff member at a child care center, to be trained in pediatric CPR, first aid, and other health-related areas.

    A good resource for general employment issues is The Employer s Legal Handbook , by Fred Steingold (Nolo). Also, many key employment laws are administered through the Department of Labor, and there are a variety of informative webpages within the Department of Labor website.

    Talk to a Business Law attorney.

    Leverage Cloud Accounting #small #business #cloud #accounting


    Cloud Accounting experts by trade, humanitarians at heart; we understand the challenges of running a business while balancing a fulfilling life outside of work. That’s why we created Leverage, a boutique full service cloud accounting firm for professionals, startups and small to mid-size businesses. Our goal as a company is simple– to enrich your life with the financial understanding and extra peace of mind you need to live your life to the fullest.

    Our virtual accounting and bookkeeping services are a reliable, high-quality alternative to in-house resources for bookkeeping, financial reporting and business progress analysis. Our integrated accounting system is second to none, seamlessly weaving together multiple cloud-based technologies that saves you time and money while providing the information you need to confidently manage your business.

    As a small, boutique accounting firm, we take the time to get to know your business intimately so that we truly become a valuable and contributing part of your team. For us, bookkeeping is more than just entering payments and bills into accounting software and hoping for the best– it’s a dynamic tool that can be leveraged to help your business succeed and to accomplish your long term goals.

    When we started Leverage, our vision was to align our expertise in cloud accounting with our commitment to living a life of service. The result has been inspiring, as we’ve not only developed into a respected accounting firm, but one that can also openly claim that we genuinely care about our clients. The way we see it is if you are thriving and at peace with your business, this will be paid forward to the people around you. What better outcome is there?

    So, welcome to Leverage. Large firm capability. Boutique firm service. In the cloud.

    More Automation

    Cloud Accounting leverages the power of advanced cloud computing technologies to greatly reduce the amount of time to perform various accounting processes. The older outsourced model simply replaced existing internal hours with comparable time spent by a third party provider on-site; typically at a higher cost. With far fewer hours needed for a Cloud Accounting provider to achieve the same objectives, cost savings are created for you.

    More Support

    Similar to what outside providers like ADP and Paychex have done for the payroll component, Cloud Accounting endeavors to relieve you of the rest of your accounting related burdens. Thus through Cloud Accounting, an entire virtual accounting department is now feasible, both operationally and economically, for professionals, startups and small businesses.

    More Time

    In addition to contributing directly to the bottom line, Cloud Accounting is all about benefiting the small business owner. Whether it’s relieving your accounting headaches, freeing up hours you otherwise would devote to accounting functions, or providing you with more timely and reliable financial information, Cloud Accounting is designed to position you with more available time and financial clarity to do what you do best – focus on creating greater impact, which includes top and bottom line results.

    Cloud Accounting is the latest, most technologically advanced evolution of its aging predecessor, Outsourced Accounting. All information is stored in the cloud. Cloud accountants can do everything a local accountant can do, but are completely virtual and utilize cloud-based software platforms like QuickBooks and to serve clients.


    Our clients come from a wide range of industries, but tend to be mainly from the professional services and online business sectors. That said, our current clients include law firms, tech startups, wine importers, non-profits and many more.


    To put it simply: your systems are your accounting. We use the same core system for all of our clients. This core includes QuickBooks Premier, Right Networks,, QuickBooks Payroll, ADP, SpringAhead, Tallie, Dropbox and We often add additional software selections for clients in specific industries that utilize Amazon, PayPal, Shopify, Square, Stripe and more.


    We charge hourly based on the services you need. Contact us using the form below to set up a 20 to 30 minute consultation that will help us get the details we need to give you an accurate price quote.

    President Obama Small Business Grants #obama #small #business #loan


    President Obama Small Business Grants

    There is no doubt about it. I know it. You know it. Our local politicians know it. You can go up the line all the way and see that President Obama knows it. Our business owners like you and I need help in getting through this recession our country is stuck in. President Obama is clearly well aware of the financial strain most of us are in. He is so much aware that he has decided to put the money where his mouth is and President Obama small business grants are available to several more people around the United States than what was available in grant money even just four or five years ago.

    Who is eligible for small business grants?

    Currently, President Obama Small Business grants are available to a very wide range of business owners. It ranges from not only non profit organizations such as charities, but all the way to those businesses such as car manufacturers. The little guys are not left out however, and people for the last couple of years have been working towards trying to help the smaller business owners stay afloat. You must prove that you have a viable business model and need the assistance in order to qualify.

    What is required to receive one of the many President Obama small business grants?

    A: Prove you need the small business grant

    This is going to be one of the things you are going to have to prove during the application process. My recommendation is to take a full inventory of what your overhead expenses are, all the way down to the penny. If you have not started your small business yet, then you should take a realistic, but honest approach to what is required to get the business up and running. Determine why you need to spend that money and why it is required in order for your business to function.

    B: Explain exactly where the money is going to be used

    The government wants to know where their money is going to be going. Therefore, when applying for a small business grant that President Obama has established you should always make sure you have chosen the areas you need help with the most. Always identify the logical reasoning. For example, if you are starting a restaurant you probably need a grill of some kind but restaurant quality grills are not inexpensive. You should identify that all other options are out of question for you, possibly even including loans.

    C: Keep good records

    When obtaining a federal small business grant you should view it not as free money, but as a contractual agreement. The federal government wants to ensure that the money they are providing to stimulate the economy is being put to good use to make a difference in the economy. Therefore, even though your bank account may look a little bigger after receiving a grant, you should never go out and buy anything that you had not discussed in your application process in regards to where the money is going to go. You will be expected to prove how the money was spent through a review process that usually will come around one to three years after being approved for a federal grant.

    Grants by State

    Four Steps to Getting a Commercial Loan Approved #steps #to #getting #a #small #business #loan


    Four Steps to Getting a Commercial Loan Approved

    Improve Your Chances for Securing the Funding Your Business Needs

    Getting approved for a commercial loan is never easy, but when your business is still new, it can prove to be an even more formidable challenge.

    Lenders are hesitant placing such trust in new businesses because they simply do not have established credit histories that can help the lenders feel more comfortable about approving loans. For this reason, lenders will often refer to the business owner’s personal credit profile to determine credit-worthiness.

    Besides relying on your personal credit profile, here are four steps you can take to possibly help improve your chances of being approved for a commercial loan for your business.

    #1 – Tailor Your Business Plan for Lenders

    Many businesses have different variations of their business plans for different purposes. If you are planning on applying for a business loan in the near future, then you should create a custom business plan just for lenders. Include a detailed history of your company, and showcase your experience as a business owner.

    Create a budget to show how the funds will be allocated, and how doing so will help your business grow. Practice your presentation until you are comfortable with it so your lenders will be impressed with your confidence. A positive impression can be very helpful in your search for funding.

    #2 – Contact Commercial Loan Lenders

    Not all lenders specialize in commercial loans, so do your research, and find lenders in your area who do. Call and ask to meet with their loan officer. Because commercial loans are not subsidized, approvals are on a case-by-case basis, and the lender ultimately decides the interest rates and terms of the loans.

    By targeting your applications to commercial loan lenders, you may improve your chances of being approved over applying with other types of lenders.

    #3 – Offer Collateral to Secure the Loan

    When you meet with the lender and you make your presentation, you may still be facing an uphill battle for approval. If necessary, offer to put part of your business up as collateral. You can use property, equipment, or other valuable assets to help reduce the lender’s risk.

    This does increase your business’s risk, but for some businesses, this is the only way lenders will approve their commercial loans.

    #4 – Sign a Personal Guarantee

    In order to grant approval, some lenders may also require you to sign a personal guarantee on the loan. This document protects the lender in the event the business goes under, by making you personally and legally responsible to repay the debt.

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    Simple web based CRM software: contact sales pipeline – small business, crm software for small businesses.#Crm #software #for #small #businesses


    The UK’s most popular small business, web based CRM.

    Crm software for small businesses for free in 60 seconds

    Track Conversations, Sales and Contact History

    With Tactile CRM you can keep track of the people and companies you do business with, opportunities in the pipeline, communications with them, and what needs to be done next.

    Track Sales, Contacts and More

    • Share notes and emails
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    • Schedule follow up calls
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    Realtime Sales Reports

    See sales and deals in realtime with Tactile CRM’s reports and opportunities.

    • Track value, probability and close dates
    • See your teams pipeline’s
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    Seamless integration with your favourite products

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    Tactile CRM is an easy to use web based contact sales management system. It’s great for managing your sales pipeline, contacts, notes, emails and activities in one place so you can easily share information within your organisation.

    Crm software for small businesses

    Seamlessly Integrated

    We’ve done the hard work so you don’t have to. Tactile CRM works with loads of other great online services such as invoicing, help desk and business card scanning solutions to offer you a complete solution for your business.

    Recent News

    Check out our blog for regular updates about Tactile CRM and what we’re working on. Our status page is also worth book marking as service status updates are logged there.

    Tactile CRM is a web based contact and sales management system for small businesses and departments. It’s great for managing your sales pipeline, contacts, notes, emails and activities in one place so you can easily share information within your organisation amongst your colleagues.

    Best pbx phone system for small business #best #pbx #phone #system #for #small #business, #pbx #and #sip

    PBX and SIP Phone Systems

    ‘ Panasonic has been a market leader in the business telephone industry for over 25 years. The latest product line-up offers high quality phone communications solutions for a broad range of business applications, from simple analogue systems, and smaller digital systems suitable for small or new businesses, through to advanced IP based Network Communications Platforms capable of handling multiple locations across the globe and supporting mobile communication with staff wherever they may be.

    Access the advantages of SIP technology through flexible Panasonic Telephone Systems

    Choosing a Panasonic telephone system that is flexible, easy to deploy, compatible with leading soft-switch technology and capable of growing with your business will help keep your systems installation costs down and ensure you can effectively communicate with your staff and customers.

    With a wide choice of telephone system options, voicemail, handset and conference phone options we can help you create a telephone system suited to your needs and the demands of the working environments your staff encounter. Whether you want a system capable of providing High Definition VoIP calls for a few users through wired or wireless handsets, or a multi site system that can facilitate working and communicating from mobile devices across the world, all controlled by the latest technology communication platforms, Panasonic have the expertise to advise you and build a SIP phone system for you which will support you and your business effectively.

    Leading Telephone Systems are just a call away

    NYC Apartments – Decorating Small Apartments, small office space for rent nyc.#Small #office #space #for #rent #nyc


    Small Space Design Tips From NYC Pros

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    Best Construction CRM Software #best #crm #for #small #business


    Top Construction CRM Software Products

    Pipedrive is a sales management tool built for salespeople by salespeople. Used by more than 50k teams around the world, it helps you to see the big picture, then gives step-by-step guidance to keep everyone focused on the activities that drive deals to close. With Pipedrive nothing falls through the cracks. Its simple to get started, but powerful enough adapt to any sales process. Construction companies love it because it makes it easy to manage the many facets of the sales process. Learn more about Pipedrive

    Pipedrive is a sales management tool that gets sales teams organized. It helps you focus on the activities that drive deals to close. Learn more about Pipedrive

    You have selected the maximum of 4 products to compare Add to Compare

    by Procore Technologies

    Procore is a total business development platform. Converting an opportunity into a project takes every part of your organization and even people outside of your organization to make sure you have the right proposal, resulting in the right project award. From creating an online plan room, to tracking all communications, pre-construction expenses, and multiple versions of the estimateProcore delivers the business development system you need. Learn more about Procore

    Procores integrated platform provides every team member with a best in class business development engine. Learn more about Procore

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    by Zoho CRM

    Zoho CRM empowers small to large-sized organizations with a complete customer relationship lifecycle management solution for managing organization-wide Sales, Marketing, Customer Support Service and Inventory Management in a single business system. Learn more about Zoho CRM

    Zoho CRM empowers organizations with a complete customer relationship lifecycle management solution. Learn more about Zoho CRM

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    by UDA Technologies

    Estimating, Project Management and Productivity Tools for Construction Projects. Learn more about UDA ConstructionSuite

    Estimating, Project Management and Productivity Tools for Construction Projects. Learn more about UDA ConstructionSuite

    New York City Small Claims Court> #court, #courts, #new #york, #new #york #state, #new #york #city, #nyc, #nys, #ny, #ucs, #oca, #new #york #state #unified #court #system, #unified #court #system, #office #of #court #administration, #ecourts, #e-courts, #casetrac, #case #trac, #casetrak, #case #trak, #casetrack, #case #track, #future #court #appearance #system, #webcrims, #county, #civil, #family, #housing, #commercial, #supreme, #appeals, #appellate, #claims, #small #claims, #divorce, #law, #litigant, #litigation, #attorney, #lawyer, #cle, #juror, #jury, #jury #duty, #judge, #chief #judge, #justice, #judicial, #judiciary, #legal #forms, #court #rules, #decisions, #jury #charges, #law #libraries, #legal #research, #court #news, #town #court


    Starting a Case

    Anyone 18 years of age or over can sue in Small Claims Court. If you are younger than 18, your parent or guardian may sue on your behalf. Only an individual can sue in Small Claims Court. Corporations, partnerships, associations, or assignees cannot sue in Small Claims Court. However, they can be sued in Small Claims Court. If you are a corporation, partnership, association or assignee, you can bring a Commercial Claim or Consumer Transaction. For more information, click on Commercial Claims and Consumer Transactions.

    In general, the person suing is called the claimant. The person being sued is called the defendant. You may sue more than one person at the same time.

    You must be the proper person to sue in Small Claims Court. For example, if you are involved in an accident while driving an automobile that is not registered in your name, you cannot sue for the damage caused to the automobile during the accident. Only the registered owner of the automobile can sue for the damages caused to the automobile.

    To learn more about bringing a Small Claims Court case, continue reading below. You can also read the law on this procedure, by clicking on Civil Court Act section 1803 .

    Where to Sue: Venue

    A claimant must begin the lawsuit in the proper county. In general, a claimant can sue in the county where either party resides. If no party resides within the City, the action can be brought in the county where either party has employment or a business address. If the defendant does not have a residence, employment, or have a business address within the City of New York, you cannot bring the lawsuit in the Small Claims Court. To find the location in your county, click on Locations .

    Starting the Case

    To begin an action in Small Claims Court, a person, or someone acting on his or her behalf, must come to the Small Claims Court Clerk s office in the proper county and fill out a statement of claim. To find out where the clerk s office is located in your county, click on Locations. To find out when the Small Claims Court Clerk s office is open, click on Court Hours. You may also use an outside service to fill out your statement of claim and electronically file it with the Court. If you are interested in starting your case this way, click on electronic filing .

    The person filling out the statement of claim must be able to explain the reason for the lawsuit, know the amount of the claim, and have the correct name and address, including zip code, of the person or business that is being sued. If you are not sure of the correct name of the business, you should go to the County Clerk s office in the county where the business is located and look up the certificate of doing business, photocopy the certificate and bring it to the court. The person filling out the statement of claim must be able to explain the reason for the lawsuit, know the amount of the claim, and have the correct name and address, including zip code, of the person or business that is being sued. If you are not sure of the correct name of the business, you should go to the County Clerk s office in the county where the business is located and look up the certificate of doing business, photocopy the certificate and bring it to the court. View and print the small claims claim form.

    You can watch a short tutorial to explain how to fill in the form.

    Small Claims Form Instructions:
    Video (run time: 4:52 minutes/seconds, Windows Media format )
    Written Transcript

    You will have to pay the court fee to file your claim. If your claim is for an amount up to and including $1,000.00, there is a fee of $15.00. If your claim is for an amount over $1,000.00 and up to $5,000.00, there is a fee of $20.00. The fee must be paid by cash, certified check, money order or bank check made out to Clerk of the Civil Court. Personal checks will not be accepted.

    The clerk will give you a date for the hearing. Small Claims Court hearings are usually held at 6:30 p.m. If you are a senior citizen, a disabled person, or a person who works during the evening, you may request that your small claims hearing be heard during the day. You or the person appearing on your behalf must show proof of age, or disability, or nighttime employment. The proof can be in the form of a letter from your job or from a doctor, a driver s license showing your birth date, or other similar documents.

    If you live outside the City of New York and want to sue a party within the City of New York, you may file your claim by mail. Contact the Small Claims Court Clerk s office in the county where the defendant lives, works or has a place of business to obtain the necessary form.

    The court system does not provide electronic filing at this time. However, several private vendors provide this service. The service provided by each of the vendors is different, and you must review their requirements. We advise that you review this entire website, as it offers a lot of information on how to proceed with your case.

    The current vendors are:

    Notifying the Defendant

    After your claim is filed, the Small Claims Court clerk will serve a notice of your claim by sending it to the defendant. The notice of claim tells the defendant when to appear in Small Claims Court, and includes a brief statement of your claim and the amount of money you are requesting.

    The notice of your claim will be sent to the defendant by certified mail and by ordinary first class mail. If the notice sent by ordinary first class mail is not returned by the post office within 21 days as undeliverable, the defendant is presumed to have received notice of your claim, even if the notice of claim sent by certified mail has not been delivered.

    If the post office cannot deliver the notice of your claim (for example, the defendant may have moved without leaving a forwarding address), the court clerk will give you a new hearing date and will tell you how to arrange for personal delivery of the notice to the defendant. Anyone who is not a party to the small claim and who is 18 years of age or older can personally deliver the notice of claim to the defendant. The claimant or any other party to the action may not serve the notice of claim personally on the defendant.

    If the notice of claim cannot be served on the defendant within 4 months after you filed your claim, your claim will be dismissed. If you learn new information about the defendant s location at a later date, you can file your claim again.

    A small claims case will not proceed to trial until the defendant has been served with a notice of your claim.

    The defendant may want to file a counterclaim. For information about this procedure, click on Counterclaims .

    Preparing for Court

    Before the date of the hearing, you should gather all the evidence that supports your claim or your defense. Evidence may include: photographs, a written agreement, an itemized bill or invoice marked paid, receipts, at least two itemized written estimates of the cost of services or repairs, a canceled check, a damaged item or article of clothing, or letters or other written documents. If there are records that are not in your possession, you may wish to subpoena them to be produced at the hearing date. For information about this procedure, click on Subpoenas .

    You should also prepare any witnesses you plan to testify at the hearing in support of your claim or defense. The testimony of a person who has special or expert knowledge and experience concerning the subject of your claim may be necessary for you to prove your case. For example, if your claim involves the quality of medical care, you must find a doctor who is willing to give an opinion, in court, about the quality of the care you received. While you might find an expert witness who will testify at no cost to you, it is more likely that you will have to pay for an expert witness testimony.

    If a witness, other than an expert witness, will not testify voluntarily, you can serve the witness with a subpoena requiring them to appear in court and testify. For information on how to do this, click on Subpoenas.

    State Water Resources Control Board, loans and grants for small businesses.#Loans #and #grants #for #small #businesses


    Financial Assistance Funding – Grants and Loans

    Loans and grants for small businesses

    • What’s New
      • NEW! CWSRF Intended Use Plan (IUP) for SFY 2017-2018
      • NEW! DWSRF Intended Use Plan (IUP) for SFY 2017-2018
      • NEW! List of Preliminary Award Projects (updated 05/30/17)
      • GWGP Prop 1, Preliminary Award Projects – MEDIA RELEASE
      • Updated! CWSRF Application Status (updated 08/08/17)
      • Updated! DWSRF Application Status Report (PDF) | (Excel)
      • Disqualified Businesses and Persons
      • 2017 California Financing Coordinating Committee (CFCC)
      • FY 2016-17 Wastewater User Charge Survey
      • Drinking Water for Schools Grant Program
      • Clean Water Act section 319(h) & Timber Regulations and Forest Restoration Funds 2017 Solicitation (opens September 9, 2016)
      • State Water Board’s Household & Small Water System Drought Assistance (HSWSDA) Funding Program
      • County of San Diego Replacement Projects Settlement Agreement for Breaches of Grant Agreements
      • Proposition 1 Storm Water Grant Program and Storm Water Resources Plan Guidelines Now Available for Public Review (08/28/15)
      • Proposition 1 Technical Assistance Funding Program
      • Office of Sustainable Water Solutions
      • Funding for Interim Emergency Drinking Water
      • Ground Water Quality Funding Program (Prop 1 Groundwater Sustainability & SB445-SCAP)
      • CWSRF Fitch AAA Report
    • Current Funding

        (Prop 1 Groundwater Sustainability & SB445-SCAP)

      • Nonpoint Source Grant Program – Clean Water Act section

        Through the Clean Water State Revolving Fund

        Our Vision

        A sustainable California made possible by clean water and water availability for both human uses and environmental resource protection.

        Our Mission

        To preserve, enhance, and restore the quality of California’s water resources and drinking water for the protection of the environment, public health, and all beneficial uses, and to ensure proper water resource allocation and efficient use, for the benefit of present and future generations.

    Social Media Marketing, Reseller Program, Internet Franchise, Make Money Online, Affiliate Program, social media marketing packages for small business.#Social #media #marketing #packages #for #small #business



    Marketing Business

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    Ripoff Report #ge #capital #small #business #loans


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    I had applied for a poor credit personal loan. Received call from Eric Johnson, GE Capital Bank, phone # 202-239-6103. Stated that I had been approved for loan. what was the amount I wished to borrow. I stated I would like to borrow between $3000 and $5000. to pay off small credit cards, and to aide immediately with expenses in traveling home and costs associated with my father’s death the day before. Eric told me I was approved for this and I could have $4000 deposited into my account within a hour. My interest would only be 10% simple. I would pay $366 per month for 12 months to pay this loan. After making 3 – 4 payments on time my credit score would improve 175 points and I would be eligible for another loan. There was no penalty for early payoff. All he needed to do prior to deposit of the $4000 was to verify that I was financially capable to make this monthly payment. He stated this was a Federal Lending requirement because there had been defaults on loans by previous borrowers. I was en route from NC to IN because of my father’s death and needed what funds I had available for this trip. I would not be able to verify funds until Nov 1. Eric told me to call him back then. This was the day after my father’s funeral/memorial service. When I called Eric he told me that GE Capital Bank was unable by law to access my bank account to verify funds in my account so I would need to purchase a green dot card to show that I had this money available. $366. I explained to Eric that because of the current circumstances, I could not show immediate access to $366 but could have $300. Eric assured me that this money was only for verification and would not be taken from the Green Dot Money Card. I would still have the money on this card available for purchases or to deposit back into my account. Eric stayed on the phone with me to talk me through the purchase of the Green Dot card. He then requested the card # for them “the accounting department” to validate the money I had placed on the card. He then instructed me that I would receive a call from my bank within 40 min confirming the deposit of $4000. he stated he would then call me back to confirm this. I waited over an hour before calling Eric back. When I told him I had not received a call from my bank he stated there were some sort of computer issues/problems. but that the money would be in my bank account within an hour. Later that evening I checked my bank balance at an ATM and discovered funds had still not been deposited. Becoming concerned I called Green Dot Money Pak to verify that my card was still loaded with the $300. They told me my card had been used and there was $0 balance available. I proceeded to file a claim to secure my funds. as I had been told no funds would be removed by GE Capital. I attempted to call Eric Johnson, GE Capital numerous times over the weekend and on Monday Nov 4. leaving several messages on Monday. On Tuesday Nov 5 morning I received a call from Eric. He apologized that he had not called me on Mon, but stated they were in meetings all day. He apologized again that the deposit of the $4000 had be delayed, proceeded to provide me with a loan # GE79465543 and then an insurance # 463584372. He went on to explain that because my credit score was low the Federal Government Lending required me to have insurance that would make my monthly payment on this loan if I could not. but before he could release the hold on my $4000 or the $300 Money Pak funds I would need to provide proof of $275. for the insurance. I became very angry, telling him he had lied to me and I was not going to provide him any further access to funds. I demanded my $300 returned. which I reminded him was never to have been taken from this card. Eric continued to try to convince me why I needed this insurance. why I needed to provide the now only $130 for 6 months insurance. I demanded the $300. He transferred me to an “accounting person” This person told me they could not return the $300. He made some mention of refunding a portion of this minus $150? application fees. I reiterated that none of this had been mentioned in any previous conversations. that the money was never to come off my card and the loan was to have been deposited 3 business days ago. He transferred me to the “Accounting Supervisor”. More of the same with refusal to refund my $300..I accused them of fraud, promised to pursue reconstitution in any form available and to broadcast this scam, alert consumers in any way possible. He hung up threatening legal action against me .

    This report was posted on Ripoff Report on 11/05/2013 11:24 AM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

    Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

    Search for additional reports

    If you would like to see more Rip-off Reports on this company/individual, search here:

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    • Only search one name at a time if Company has many AKA’s.

    Report Rebuttal

    Respond to this report!

    Are you an owner, employee or ex-employee with either negative or positive information about the company or individual, or can you provide “insider information” on this company?

    Are you also a victim of the same company or individual? Want Justice? File a Rip-off Report, help other consumers to be educated and don’t let them get away with it!

    Repair Your Reputation!

    Got Reports filed against you? Resolve the issues and rebuild trust through our Corporate Advocacy Program.

    Corporate Advocacy Program: The best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how businesses take care of business. All businesses will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.

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    No! Better yet! Arbitrate to set the record straight!

    SUBMITTED: Tuesday, November 05, 2013

    POSTED: Tuesday, November 05, 2013

    After making 3 – 4 payments on time my credit score would improve 175 points

    It takes years to build up a credit score. If it were that easy to build a credit score, borrowers would have little incentive to repay loans.

    All he needed to do was to verify that I was financially capable to make this monthly payment. He stated this was a Federal Lending requirement

    There is no such federal lending requirement.

    I would need to purchase a green dot card to show that I had this money available

    It is unlawful for companies doing business by phone to promise you a loan and ask you to pay for it in advance.

    required me to have insurance I would need to provide proof of $275

    This was merely an additional attempt to acquire more money from you before you realized it was a scam. If you had sent the money they would have found another excuse to soak you for a few more bucks.

    I accused them of fraud

    That s the first thing you got right. You were dealing with scammers, not GE Capital. There is no paper trail; therefore, you will never catch them.

    Respond to this report!

    Are you an owner, employee or ex-employee with either negative or positive information about the company or individual, or can you provide “insider information” on this company?

    General Freight Trucking Business Plan Sample – Executive Summary #trucking #company #software #small #business


    General Freight Trucking Business Plan

    Executive Summary

    Mike’s Trucking Service is a Dallas, TX based trucking company that aims to be one of the largest trucking companies in the USA. Mike’s is initially focusing on the food industry with plans to diversify with new industries served. Mike’s has chosen the trucking industry as the growth prospects are encouraging and stable, with trucking dominating the freight industry in this country.

    Mike’s will offer both for-hire trucking as well as private carriers. Most of their business will be derived from the private carriers. For the private carrier segment, both truck load (TL) and less than truck load (LTL) will be offered. Mike’s services will be especially attractive to the food industry, as participants in that industry typically use referrals, reputation, and customer service as purchasing variables.

    Mike’s will serve four different market segments. The first, as mentioned earlier is the food industry. This segment is growing at an annual rate of 3% with 3000 potential customers identified. The second segment is the computer industry with a 5 % growth rate and 1500 possible customers. The retail industry is the third with a 2% growth rate and 1500 customers. The last segment is a catch all “other” segment growing at 2% and 500 customers.

    Mike’s Trucking is lead by Mike Smith, a 15 year industry veteran. After college Mike went to work for C F trucking as a driver for two years. Mike felt that it was instrumental to have experience within an industry at all levels. It was quickly obvious that Mike has skills beyond driving trucks and moved into management for three years. After five years at C F it was time for a change and Mike went to Yellow to manage their Southwest region operations. It was ten years of experience at Yellow that provided Mike with the skill sets, experience, and confidence to decide to open his own trucking company business.

    Mike’s will employ three distinct marketing efforts to raise awareness about the company and generate new customers. The first strategy is the use of promotions. This will focus on press releases and advertising using various different media. The second effort will be the use of incentives. The incentives will be offered to existing customers. The last effort will be printed brochures. These will be distributed to new and existing customers.

    Mike’s Trucking Service is a customer-centric organization looking to become one of the premier trucking companies in the USA. Profitability is forecasted to occur at month three. Mike’s has conservatively projected sales of $100,000 for year one and $400,000 for year three.

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    Cybersecurity: A Small Business Guide #small #business #cyber #security


    Cybersecurity: A Small Business Guide

    Cybersecurity is important for companies of all sizes. Small businesses are just as at risk for cyberattacks as larger companies, and should be prepared for a breach at all times.

    According to a report by Keeper Security and the Ponemon Institute. 50 percent of small businesses have been breached in the past 12 months. Here s an overview of everything you need to know to protect yourself.

    In this article

    Why do hackers target small businesses?

    While breaches at big corporations such as Target and Home Depot make the headlines, small business are still very much targets for hackers. Stephen Cobb, a senior security researcher at antivirus software company ESET. said that small businesses fall into hackers cybersecurity sweet spot: They have more digital assets to target than an individual consumer has, but less security than a larger enterprise.

    The other reason small businesses make such appealing targets is because hackers know these companies are less careful about security. An infographic by Towergate Insurance showed that small businesses often underestimate their risk level, with 82 percent of small business owners saying they re not targets for attacks, because they don t have anything worth stealing. [See Related Story:Cyberattack Risks Remain a Threat to Businesses Despite Insurance]

    Types of cyberattacks

    In almost every case, the end goal of a cyberattack is to steal and exploit sensitive data, whether it s customer credit-card information or a person s credentials, which would be used to misuse the individual s identity online.

    This is by no means an exhaustive list of potential cyberthreats, especially as hackers techniques continue to evolve, but businesses should at least be aware of the most frequently used attacks.

    APT: Advanced persistent threats, or APTs, are long-term targeted attacks that break into a network in multiple phases to avoid detection. This Symantec infographic outlined the five stages of an APT.

    DDoS: An acronym for distributed denial of service, DDoS attacks occur when a server is intentionally overloaded with requests, with the goal of shutting down the target s website or network system.

    Inside attack: This is when someone with administrative privileges, usually from within the organization, purposely misuses his or her credentials to gain access to confidential company information. Former employees, in particular, present a threat if they left the company on bad terms, so your business should have a protocol in place to revoke all access to company data immediately upon an employee s termination.

    Malware: This umbrella term is short for malicious software, and covers any program introduced into the target s computer with the intent to cause damage or gain unauthorized access. More about the different varieties of malware can be found on How to Geek. Business News Daily s sister site Tom s Guide also breaks down the myths and facts of malware.

    Password attacks: There are three main types of password attacks: a brute-force attack, which involves guessing at passwords until the hacker gets in; a dictionary attack, which uses a program to try different combinations of dictionary words; and keylogging, which tracks all of a user s keystrokes, including login IDs and passwords. More about each type of attack (and how to avoid them) can be found in this Scorpion Software blog post .

    Phishing: Perhaps the most commonly deployed form of cybertheft, phishing involves collecting sensitive information like login credentials and credit-card information through a legitimate-looking (but ultimately fraudulent) website, often sent to unsuspecting individuals in an email. Keeper Security and the Ponemon Institute reported that the most prevalent attacks against SMBs are web-based and phishing/social engineering. TechRepublic shared 10 signs to help you spot a phishing email.

    Security solutions and what to look for

    There are a few different basic types of security software on the market, offering varying levels of protection. Antivirus software is the most common, and will defend against most types of malware. For a side-by-side comparison of the best antivirus software programs for small businesses, visit our sister site Top Ten Reviews .

    Firewalls. which can be implemented with hardware or software, provide an added layer of protection by preventing an unauthorized user from accessing a computer or network. In an article. author Sam N. Austin noted that some computer operating systems, such as Microsoft Windows, come with built-in firewalls. These protections can also be added separately to routers and servers.

    Cobb, of ESET, said businesses should also invest in a data backup solution, so any information compromised or lost during a breach can easily be recovered from an alternate location; encryption software to protect sensitive data such as employee records, client/customer information and financial statements; and two-step authentication or password-security software for their internal programs to reduce the likelihood of password cracking.

    It s important to remember that there s no one-size-fits-all security solution, so Charles Henderson, global head of security threats and testing at IBM. advised running a risk assessment, preferably through an outside firm.

    Cybersecurity insurance

    One important solution that doesnꞌt involve software and that many small businesses overlook is cybersecurity insurance. As mentioned above, your general liability policy will not help you recoup losses or legal fees associated with a data breach, so a separate policy covering these types of damages can be hugely helpful in case of an attack.

    Tim Francis, enterprise cyber lead at Travelers. a provider of cyberinsurance, said that small businesses often assume cyberinsurance policies are designed only for large companies, because those businesses are the most frequent targets of hackers. But many insurance carriers are beginning to offer tailor-made coverage for smaller companies to meet their budgets and risk-exposure levels, he said.

    Francis advised business owners to look for a combination of first- and third-party coverage. First-party liability coverage includes any general costs incurred as a result of a breach, such as legal expertise, public relations campaigns, customer notification and business interruption. Third-party coverage protects you if your company is at the center of a breach that exposed sensitive information. This type of protection covers defense costs if the affected parties sue your company.

    Coverage is more than words on a page, Francis said. Make sure your carrier is well-regarded financially and has a good reputation in the industry. There s tremendous variety in policies, [and]. you need an agent who understands the differences.

    Best practices for your business

    Ready to protect your business and its data? These best practices will keep your company as safe as possible.

    Keep your software up to date. As stated in this Tom s Guide article. an outdated computer is more prone to crashes, security holes and cyberattacks than one that s been fully patched. Hackers are constantly scanning for security vulnerabilities, ESET s Cobb said, and if you let these weaknesses go for too long, you re greatly increasing your chances of being targeted.

    Educate your employees. Make your employees aware of the ways cybercriminals can infiltrate your systems, teach them to recognize signs of a breach, and educate them on how to stay safe while using the companyꞌs network.

    Implement formal security policies. Bill Carey, vice president of marketing and business development at Siber Systems. noted that having companywide security policies in place can help reduce your likelihood of an attack. He advised requiring strong passwords those with upper- and lowercase letters, numbers and symbols that should be changed every 60 to 90 days. Sixty-five percent of SMBs that have a password policy do not strictly enforce it, according to the Keeper Security and the Ponemon Institute report.

    Practice your incident response plan. IBM s Henderson recommended running a drill of your response plan (and refining, if necessary) so your staff can detect and contain the breach quickly should an incident occur.

    Ultimately, the best thing you can do for your business is to have a security-first mentality, Henderson said. He reminded small businesses that they shouldn t assume they re exempt from falling victim to a breach because of their size.

    For more information on how to handle a data breach, visit this Business News Daily guide .

    Additional reporting by Nicole Fallon Taylor. Some source interviews were conducted for a previous version of this article.

    Sammi Caramela is a senior at Rowan University with a major in writing arts and a double minor in journalism and psychology. She is President of Her Campus magazine and I Am That Girl at Rowan, and contributes to other writing platforms on and off campus. She expects to graduate in 2017 and continue working as a Purch B2B writer and assistant editor. Reach her by email. or check out her blog at .

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    Intrabench CRM Software

    Small business CRM software to manage all your customer relations using your contacts and company knowledge. Intrabench CRM is a convenient software centre to manage your accounts, invoicing, sales and marketing. Intrabench crm software also provides full email management capabilities including client tracking and bulk email. Intrabench CRM is a fast, secure and reliable way to organise contacts, drive sales, manage productivity and keep accounts – all from your personal user-interface – simple and intuitive CRM.

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    Intrabench is a hosted (online) CRM, therefore leaves you without the stress of managing any hardware, organising backups and carrying out maintenance upgrades. It’s all done for you, all you need is an internet connection and a web browser such as Firefox or Internet Explorer.

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    Intrabench’s small business CRM software brings the power of customer relationship management within easy reach of small and mid-size businesses. The tools allow you to consolidate customer data in a single secure database that you can access from anywhere and at any time. In-depth customer history can be maintained which enables you to provide a personalised one-to-one service. This helps to create and maintain customer loyalty, and thereby maximise customer retention.

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    February 9, 2017 by goldpro


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    The 4 Best Small Business Insurance Providers

    Most top business insurance companies offer all the basic insurance options small businesses need, including general liability and property coverage. The best small-business insurance providers go further by delivering the special coverage options you need to protect your business operations from the unique risks found in your industry. Several providers stand out by arranging these industry protections into flexible and easy-to-understand package policies. Whether you re new to the business world or have been operating for years, industry protection packages help to simplify the insurance buying process so you can get the coverage you re after without wasting a lot of time and energy.

    While most insurers spread their attention among both business and consumer markets, CNA focuses exclusively on business insurance. The company delivers special coverage options for businesses of all kinds, from the very small to the very large. Choose from an excellent variety of industry packages built to include all the coverages you need to protect your business property and liability interests. CNA delivers package policies for businesses in more than a dozen different industries, from hotels to manufacturers and real estate offices to nonprofit organizations. These packages are designed with flexibility in mind, enabling you and a CNA agent to mold a package policy into something that meets all the unique needs of your business.

    Farmers Insurance delivers more than a dozen industry packages in business sectors as diverse as auto repair, education, retail, and construction. These packages are designed to address the special needs of small and mid-size businesses generally, while including flexible add-on coverage options to address all the special risks your business faces. Farmers Insurance has an excellent selection of special liability coverage options to address risks related to manufactured product liability, cyber liability, errors and omissions liability, and employment practices liability.

    Hanover Insurance Group offers two dozen different industry packages targeted at larger businesses. While small-business policies are available with standard property and general liability coverage, Hanover s industry packages are designed primarily for business sectors characterized by medium to large-size operations. Industry package options include hotels and motels, medical facilities, craft brewers, manufacturers, and cultural institutions, among many others. A full selection of special liability and property coverage options are available to deliver all-around protection for your business regardless of its special needs.

    Farm Family makes this list not for the variety of their small-business packages, but rather for several relatively unique policies designed for agricultural businesses. The Farm Family agribusiness package is designed to meet the special needs of family farms, combining a comprehensive business policy with residential property protections. Farm Family also offers policies for agricultural businesses without residential facilities, such as nursery or greenhouse operations. Farm Family s equine package is designed for horse businesses of all kinds, including basic stable operations, breeding facilities, and riding schools. If you re running an agricultural business and you re looking for comprehensive policies with flexible coverage options, Farm Family is well worth considering.

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    We find the best of everything. How? We start with the world. We narrow down our list with expert insight and cut anything that doesn’t meet our standards. We hand-test the finalists. Then, we name our top picks.

    Knowledge Base #determine #number #of #learners #who #have #completed #different #stages #of #multiple #online #courses,array #formula,blank,calculate,calculatetable,countif,distinctcount,filter,frequency,hasconevalue,if,match,max,min,row,sumproduct,vlookup,iferror,index,small,cubemember,cuberankedmember,cubeset,cubevalue,topcount.,generate #a #list #of #assignees #for #different #projects #based #on #a #competency #matrix,address,indirect,sum #the #largest #5 #of #the #last #10 #numbers #in #a #row #ignoring #blanks,column,offset,subtotal,sum,cortana,sand #dance,,powerbi #desktop,natural #language #queries,convert #a #text #entry #into #its #number #equivalent,len,lookup,mid,rept,text,compute #an #average #for #the #same #day #in #the #past #3 #years,averagex,countax,earlier,format,year,visualising #data #flows #using #custom #visuals,summarise,union,sales #data #modelling #and #interactive #visualisations #of #an #e-commerce #company


    The firm may or may not have glass sheets of this specific size. The objective is to identify glass sheets, from the inventory on hand, which match customer specifications. If there is no exact match, then one must be able to obtain all inventory items which have the same Thk (MM) and CAT as the customer specified dimensions but the Length and thickness should be more than equal to the customer specified dimensions. The length and width can then be trimmed to match the exact customer dimensions. Furthermore, the result returned should:

    1. List only the Top 30 glass sheets available in inventory; and
    2. List those Top 30 glass sheets in ascending order of wastage (wastage caused when the glass sheet is trimmed to match the customer specified dimensions)

    You may refer to my solution in this workbook. I have shared two solutions – one using Excel formulas and the other using Power Query a.k.a. Get and Transform in Excel 2016. Please read the Comments in cells F1, J9 and J16 of the “Solutions” worksheet. The difference between the 2 solutions is:

    1. Formula driven solution This is in range J10:AM14 of the Solutions worksheet. This is a semi dynamic solution (as compared to the Power Query solution). To get the models in ascending order of wastage, one will have to create an Area column in the base data and sort that column in ascending order.
    2. Power Query solution – This is in range J17:AM21 of the Solutions worksheet. This is a dynamic solution. Just change the customer specified dimensions in range G2:J2 of the Data and Query worksheet. Thereafter just right click on any cell in the range below and select refresh.

    Posted by Ashish Mathur on November 2, 2016

    Here is a simple four column dataset

    A simple Pivot Table (with a slicer) created from this dataset looks like this

    The objective is to determine the Top 3 users of each week for each slicer selection. Unfortunately, there is no way to sort multiple columns of a Pivot Table all at once. Once may either sort by the Grand Total column or by the individual week wise columns. Since we do not want to sort by the Grand Total column, the only way out is to sort the individual week wise columns. The expected result should look like this:

    I have solved this problem by using CUBE formulas. You may refer to my solution in this workbook .

    Posted by Ashish Mathur on September 20, 2016

    Here is a small sample of a Project matrix which shows tasks to be accomplished for various projects. There can only be upto 6 tasks per project.

    From these two tables, one may want to generate another table showing which employees can be assigned to which project (only those employees should be assigned to a project who can complete all tasks). So the ideal solution is to create another column (8th column) in the Project matrix table above which should have a drop down (Data Data Validation) for every project showing which employees are competent for that project.

    Here’s an illustration :

    Assuming that the Project matrix is in range A1:G4 (headers are in row 1)

    1. In cell H2 (for Project1), the drop down should show Jane, Lynda, Paddy and Tom. Mary should not appear there because she cannot perform one of the 3 tasks required to complete the project i.e. Gardener.
    2. In cell H3 (for Project2), the drop down should show Lynda, Paddy and Tom. Jane and Mary should not appear there because they cannot perform the Digging and Engineering tasks respectively.

    The solution is dynamic for the following:

    1. Projects added to the Project matrix Table; and
    2. Tasks added (upto 6 only) or edited in the Project matric Table; and
    3. Employees added to the Competency matrix Table; and
    4. Tasks added to the Competency matrix Table

    I have solved this problem by using:

    1. Power Query; and
    2. Formulas in Data Data Validation.

    You may download my solution workbook from here or here .

    The objective is to generate the numeric code for text code of any length entered in a certain cell. For example, a user will type a certain text code, say ABEJ and the expected result should be 1250. For JABF, the result should be 0126. The text entry and text length are both user determined.

    With ABEJ, typed in cell D2, enter this array formula in cell E2

    This formula can now be copied down for generating the numeric code for all text codes entered in column D.

    Posted by Ashish Mathur on January 28, 2016

    Assume a simple two column dataset with dates in column A and numbers in column B. The dates in column A are from January 1, 2013 to December 31, 2016 and numbers in column B are for the period January 1, 2013 to December 31, 2015 (there are no numbers for January 1, 2016 to December 31, 2016).

    The objective is to “Compute an average for each day of calendar year 2016. The average should be for the occurrence of that day in the previous 3 years”. Here’s an example:

    1. January 1, 2016 was a Friday (the first Friday of 2016) and is in cell A1097
    2. In cell B1097, the average should be computed as: Average of the “First Friday of each of the previous 3 years”
    3. January 8, 2016 was a Friday (the second Friday of 2016) and is in cell A1104
    4. In cell B1104, the average should be computed as: Average of the “Second Friday of each of the previous 3 years”

    I have solved this problem with the help of the PowerPivot. You may refer to my solution in this workbook .

    Posted by Ashish Mathur on January 17, 2016

    Given this dataset, one may want answers to the following questions:

    1. Of all those passengers who originated their journey (City of Origin) from Chandigarh, how many terminated their journey (City of destination) in New Delhi via different modes of transport; and
    2. Of all those passengers who terminated their journey (City of destination) in Jammu, how many arrived in Amritsar (City of Origin) via different modes of transport; and
    3. Of all those passengers who travelled by Bus, how many travelled from City A (City of Origin) to City X,Y,Z (City of destination)

    While one can analyse/slice and dice this data using Pivot Tables, one cannot visualize this data very clearly (even after creating a Pivot chart). I have attempted to visualize this data using a software called PowerBI desktop (a free for download and use Business Intelligence software from Microsoft which rolls all of Excel’s BI tools into 1 – PowerPivot, Power Query, Power Map and Power View).

    You may download the source Excel workbook and the Power BI desktop workbook from this link .

    You may also watch a short video here:

    Posted by Ashish Mathur on November 13, 2015

    In this workbook. I have Sales data of an E-Commerce Company for 3 months. The typical columns in the base data are:

    1. Order Date/Time
    2. City to which orders were shipped
    3. Order Number
    4. Payment Type i.e. Cash on delivery, Net Banking, EMI’s
    5. Order Status i.e. Delivered or cancelled
    6. SKU’s which the ordered items fall into
    7. Products which the ordered SKU’s fall into
    8. Categories which the ordered products fall into

    Given this simple tabular representation, one may want to analyse and visualize this dataset from multiple perspectives based on user selections, such as

    “What was the revenue earned from the Top 5products in the A100 category in April for orders shipped to New Delhi ?”

    In this query framed above, the end user should have the leeway to select any/all of the underlined facets. So one can either choose revenue earned or Number of orders. Likewise, one can either select Top 5 products or Top 15 products/Top 5 SKU’s etc.

    With relative ease, one should also be able to “Perform an affiliate analysis” showing which categories are ordered together (to study affiliations). Please review this post for an independent discussion on “Affinity Analysis”.

    Furthermore, one should be able to perform a free form timeline search such as – “I would like to study growth in Total revenue of March 2-8 2015 over Feb 1-4 2015”

    You may download the workbook from the link shared above.

    You may watch similar videos showcasing the capabilities of Business Intelligence in MS Excel:

    Here’s a video showing the capabilities of this Sales data model

    You may also watch this short video to see how I visualized the revenue flow from Categories to Shipping cities during different Order periods using Custom visuals available in PowerBI desktop.

    Please feel free to download the PowerBI desktop workbook of the video shown above from here .

    For a detailed overview of Sankey diagrams (a Custom visual available in PowerBI desktop), you may refer to my Blog article here .

    Another great Custom visual (Sand Dance) which allows data discovery has been shown at this link. At that link, you will also be able to see how I queried the underlying dataset using “Natural Language”.

    Utica First Insurance Company #insurance, #utica, #small #business #insurance, #homeowners #insurance, #business #owners #insurance, #new #york #state #insurance, #connecticut #insurance, #massachusetts #insurance, #new #jersey #insurance, #pennsylvania #insurance, #ohio #insurance, #virginia #insurance, #umbrella #policy, #artisan #policy, #commercial #umbrella, #inland #marine, #boatowners #insurance, #restaurant #insurance, #landlord #insurance, #personal #umbrella



    Utica First Insurance Company, located near Utica, NY, is a regional property and casualty insurance carrier specializing in small contractors, restaurants, retail stores, offices, and homeowners insurance.

    Utica First Insurance Company was founded in 1903 as Utica Fire Insurance Company of Oneida County, NY to serve the property insurance needs of upstate New York residents. We have developed from that small base into a company which actively writes business in the states of New York, Connecticut, Massachusetts, New Jersey, Maryland, Ohio, Pennsylvania, and Virginia.

    Utica First products are offered exclusively through Professional Independent Agents and Brokers. Our product lines include Businessowner policies, small Artisan Package policies, and Homeowners policies, among others.

    For over 100 years, Utica First Insurance Company has been providing superior insurance protection to Homeowners and Businesses in the Northeastern U.S. We are a strong and stable Regional Insurance Company, rated as A (Excellent) by A.M. Best, with a proud tradition of customer service excellence.

    Online Artisan Survey – Click here to access the online survey

    Artisan policyholders can complete their required survey through our Online Artisan Survey. Artisan policyholders may also continue to call our Artisan Survey Unit at 1-800-456-4556 Option 1 to complete their survey.

    Online Bill Pay – Click here to make a one time payment!

    We accept payment by check, credit card, and debit card over the Internet. See our Billing Inquiry page for more information.

    Atlanta, GA: Grants, Loans & Incentives #grants #and #loans #for #small #businesses


    Atlanta, GA

    Grants, Loans Incentives

    The City of Atlanta has a number of funding opportunities available to business owners, both prospective and current. Many of these opportunities are provided through Invest Atlanta. one of the City’s business development agencies.


    New Markets Catalyst Fund
    A revolving loan program created to address the need for small business lending in distressed neighborhoods.

    Small Business Loan
    Provides financial and technical assistance to small, minority- and female-owned businesses to expand and/or relocate in the city.

    Business Improvement Loan Fund
    If you are unable to obtain a market-rate loan to fund your business, you may qualify for a loan if your project is located in a targeted business improvement district.

    The Phoenix Fund
    Assists small and medium-sized businesses with affordable loans.

    New Market Tax Credits
    Below-market rate loans or equity investments that can save eligible developers up to 20 percent

    Opportunity Loan Fund
    Small and medium-sized businesses who create at least five new jobs in the City of Atlanta are eligible for “gap” financing.

    Grant Programs

    Office of Grants Management
    Your point of contact for federal and state grants like CDBG, ESG, and HOME programs.

    Office of Cultural Affairs
    Depending on the nature of your work, you may be eligible for a grant from OCA to fund your publicly available art project or program.

    Tax Benefits

    Landmark Historic Property Tax Abatement Program
    Economic incentives for the preservation of historic properties.

    Atlanta Neighborhood Development Partnership (ANDP) Programs Loan Funds
    The ANDP offer various business loans to eligible business owners to spur affordable and mixed-income housing developments.

    Fulton County/City of Atlanta Land Bank Authority
    The Fulton County/City of Atlanta Land Bank Authority has the power to extinguish tax liens and resell tax-foreclosed properties to support their development as tax paying properties.

    Tax Allocation Districts
    Certain city districts have been incentivized to promote business development, in turn funding public improvement projects.

    Other Sources for Opportunities

    Metro Atlanta Chamber of Commerce
    A networking hub for Atlanta business professionals

    Downtown Business Districts
    Public-private partnership that strives to create a livable downtown Atlanta

    Midtown Alliance
    Coalition of leading business and community leaders focused on Midtown

    Startup Atlanta
    Introduce, connect, support, and expand the entrepreneurial ecosystem for the Atlanta region

    Georgia Department of Economic Development
    State’s sales and marketing arm

    Atlanta Beltline
    One of the largest, most wide-ranging urban redevelopment and mobility projects currently underway in the United States

    Best Small Business Phone Systems 2017 #phone #system #for #small #business


    Best Small Business Phone Systems Comparison

    The small business phone systems compared on this page are our top picks, the top four phone systems for small businesses in the US. Small teams should bear in mind that these suppliers all cover large areas of the country, so if your team is locally based than it is possible that you may find a better deal with a smaller service provider that is based in your area. We compare small business phone systems on a national and regional level, so fill out the form at the top of the page to find the best small business phone systems for your area.

    Compare Price Quotes from Leading Suppliers to Save up to 30%

    Do you already have a Phone System ?

    8×8 Virtual Office

    8×8 communications are easy to use, manage and deploy. All you need is a high-speed Internet connection and a phone of your choice.

    Why 8×8?

    8×8 Virtual Office is one of the best all-around small business phone systems. It’s easy to use, has an assortment of useful features and costs as little as $21.99 per month. 8×8 is also an industry leader in customer support and boasts a 99.997% uptime. So, businesses can rest assured that their lines will be remain up and running throughout the year and that an agent is only a phone call should assistance be required.

    Since 8×8 Virtual Office requires no equipment to be installed or maintained, it’s an excellent choice for small businesses. Setup with 8×8 is as easy as plugging in your new 8×8 router and connecting your phones via an Ethernet port to start making and receiving calls. Unlike on-premise systems, 8×8 takes care of all maintenance and upgrades so you don’t need extra IT staff.

    8×8 has an impressive assortment of features ideal for small businesses. This includes call forwarding, call waiting, voicemail-to-email, automated attendants, caller ID blocking, and many more. Team collaboration is made easy with 8×8’s presence features which show who’s available and who’s busy, and lets staff members host online meetings. A full list of 8×8 features can be found on the 8×8 website.

    Ooma Office

    Ooma Office is an enterprise-grade phone service built for small businesses so you can be more professional. Ooma Office supports select IP phones, analog phones, and mobile phones.

    Why Ooma?

    What makes Ooma Office a great choice for small businesses is its straightforward setup, low cost and top-notch customer support. While Ooma doesn’t have the vast feature set offered by other suppliers, they offer the essentials for as little as $9.99 per month.

    Small businesses have the option of choosing a traditional or virtual phone system with Ooma. Ooma’s virtual system (Ooma Office for Mobile) is perfect for small businesses that want to present a professional image at all times and don’t want their personal devices to double up as office phones.

    Ooma Office for Mobile supports up to 20 employees and is the most affordable virtual small business phone system on our list. Ooma claims that small businesses who opt instead for their traditional on-premises system can get setup in 20 minutes or less.

    RingCentral Professional

    RingCentral Professional offers a complete hosted virtual phone service with toll-free and local numbers for voice, fax and text, starting at $9.99.

    Why RingCentral?

    RingCentral is one of the leading virtual phone systems for American businesses. It’s easy to use, is affordably priced and comes with a host of valuable features. What makes Ringcentral Professional an ideal choice for small businesses is that small teams can use their mobile devices to make and receive calls as their primary phone while still presenting a professional image at all times.

    Unlike most virtual phone systems that connect your desktop phone to a router, RingCentral Professional is a call-forwarding service that lets employees answer calls from customers on their mobile, home phone or any preferred line. Setup with RingCentral Professional is simple since no additional equipment is required to get up and running. If customer support is a priority then you are sure to be satisfied as we found RingCentral’s phone support to be of superb quality.

    ShoreTel Connect

    Want a hosted, managed service from the cloud? Prefer to maintain onsite control? Want a mix of both? ShoreTel Connect gives businesses the freedom to tailor their system to their needs.

    Why ShoreTel?

    ShoreTel is an excellent small business phone system for teams that require call center services. It comes with a host of advanced features ideally suited for call centers and is available as an on-premise and cloud-hosted solution. A key benefit of ShoreTel Connect is its built-in fail-safe that helps ensure your system is always up and running. Because each site switch acts as an independent call processor and the switches tap into landlines, the phones will work even if your system has gone out.

    The on-premise solution is a popular choice for small teams because it’s easy to scale the number of active devices up or down depending on your needs. It’s worth noting that, unlike their cloud-hosted system which is called ShoreTel Connect CLOUD, ShoreTel Connect ONSITE requires a technician to set-up.

    ShoreTel’s cloud-hosted systems can be set-up straight out of the box on the other hand. Businesses who opt for ShoreTel’s cloud system will find that maintenance is easy since ShoreTel handles everything and acts as your team’s very own IT department.

    Other Leading Suppliers

    Compare Small Business Phone System Providers


    A leading telecoms provider for over 30 years, Cisco has a range of options and phone system solutions to help small businesses improve their communications. As a leader in the field Cisco offer solutions that can help the growth of companies regardless of their sector or industry.

    Why Cisco?

    Cisco offers a range of small business phone systems that can help your company compete more effectively with larger organizations. Businesses that choose Cisco use the company’s voice, conferencing, and unified communications solutions to enhance their business communications.


    Estech Systems (ESI) is a Texas-based company which is trusted by some of the country’s biggest brands. So, if you’re a small team with an ambitious growth strategy then they may be right for you.

    Why ESI?

    ESI have been in service for over 30 years and offer cloud, hybrid, IP and SIP solutions. ESI provide a number of features that are ideal for small to medium sized organizations, including customizable music or messages for customers on hold as well as IP and softphone capabilities.


    Panasonic is one of the country’s leading small business phone system suppliers. They offer a range phone systems but their desktop IP phones are a flagship product for small teams.

    Why Panasonic?

    Panasonic manufacture a wide range of desktop phone systems and handsets ideal for small offices. With Panasonic you can save big on upfront costs by only adding new devices onto your network as and when they are needed. Panasonic phones are a great choice for small teams who need an affordable and quick solution.


    Mitel lets small businesses to take total control of their communications by offering tailored solutions for different industries and team sizes, making them a great choice for teams operating in niche industries.

    Why Mitel?

    Canadian-based Mitel has been helping businesses improve their communications since 1973. Mitel have a reputation for manufacturing phones that are affordably priced and of a very high quality. The company’s desktop IP phones are perfect for teams who want to appear professional at all times.


    Another leading provider, Zultys’ highly rated cloud phone systems allows small business to compete with larger organizations by offering feature rich solutions tailored for SMEs.

    Why Zultys?

    Zultys specialises in integrating voice, instant messaging, email, video and web conferencing, so that businesses can seamlessly communicate across all devices. Trusted by brands like Allstate, NPR, Timex and Mitsubushi, small teams won’t have to worry with Zultys about downtime or related service issues.

    Compare Price Quotes from Leading Suppliers to Save up to 30%

    Do you already have a Phone System ?

    From $19.99 per user per month

    Calculating the cost of a phone system for your small business depends on a number of factors. As laid out in the section above, there are a number of different types of system that come with their own unique advantages.

    Today there are a number of phone systems with the capabilities to be hosted away from your office on external servers. This reduces initial installations costs as well as helping you save money on hefty equipment and recurring maintenance fees, which can have a big impact in the long run. These virtual systems are easy to expand, meaning you no longer have to worry about paying huge fees whenever you need to add additional devices. Read our VoIP Phone System Buyers Guide [Updated for 2017] here.

    Compare Price Quotes from Leading Suppliers to Save up to 30%

    Do you already have a Phone System ?

    Hosted recruitment solutions help your business grow #recruitment #software #for #small #business


    Powerful Recruitment Solution

    Grow your business with powerful recruitment solutions

    ApplicantExtra is a powerful, yet simple to use recruitment system for home workers, start-ups and small to medium agencies – with or without remote offices. What’s more, it’s a recruitment solution that expands as your business expands. And as ApplicantExtra is hosted employment software, you benefit from a constant stream of system improvements at no extra cost.

    Employment software that makes it easy for you

    The ApplicantExtra recruitment system frees you to focus on your growing business. We look after all the technical aspects, hosted securely at one of the UK’s most respected and resilient data centres. backed up by inclusive fanatical 24/7 support. in the unlikely event that anything goes wrong.

    Take a closer look at ApplicantExtra – the recruitment system that’s built for you

    With ApplicantExtra, you get a recruitment system that enables you to work how you want to, from where you want to – desktop, tablet or smartphone; office, home or on the road. Anywhere there’s Internet access. What’s more, it leverages the software you already own and know, including Microsoft Office, with Outlook syncing for e-mail, contacts and calendar. Since there’s a simple, rolling monthly contract, you have no long-term commitments or initial investments and you can move your data away easily at any time at no extra cost. Compare that to conventional recruitment solutions and employment software. Find out more about how ApplicantExtra can make your business more efficient and easier to run by completing this form. e-mailing or telephoning 01273 311450.


    Copyright © 2008-2016 Candid Software Ltd

    Candid Software Ltd is registered in the United Kingdom, Company Registration No: 6486509

    138-140 Ladybee Marina, Albion Street, Southwick, Sussex. BN42 4EG

    How to Qualify for a Small-Business Loan in 5 Steps #how #to #qualify #for #a #small #business #loan


    How to Qualify for a Small-Business Loan in 5 Steps

    You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

    Qualifying for a small-business loan is easier when you’re prepared. Below is a to-do list that will help you qualify for the cash you need to grow your business.

    Whether you end up applying for an SBA loan through a bank or opt for an online small-business loan, you should be familiar with the requirements of each lender. Knowing whether you meet its criteria before you apply will save you time and frustration.

    How to qualify for a small-business loan

    1. BUILD personal and business credit scores

    Your personal credit score ranges from 300 to 850 (the higher, the better), and evaluates your ability to repay your personal debts, such as credit cards, car loans and a mortgage. The FICO score, commonly used in lending decisions, is based on five factors: your payment history (35% of your score), the amounts owed on credit cards and other debt (30%), how long you’ve had credit (15%), types of credit in use (10%) and recent credit inquiries (10%). Small-business lenders require a personal credit score for loan applications because they want to see how you manage debt.

    Get Your Free Personal Credit Score Every Week from NerdWallet

    • Open more doors for financing your business.
    • Set your goals and track your progress.
    • Signing up won’t affect your score.

    Paying your bills on time is crucial to building your score. But even if you pay your bills like clockwork, credit report errors could be damaging your score. One in 4 consumers identified damaging credit report errors, according to a 2012 study by the Federal Trade Commission. However, 4 out of 5 consumers who filed a dispute got their credit report modified, the study found. A follow-up study by the FTC found that 20% of those consumers saw a jump in their credit score after resolving errors. You can get a copy of your credit reports for free once a year at and dispute any inaccuracies you find through each of the credit bureaus’ websites (Experian, Equifax and TransUnion).

    Businesses that are more established and want to apply for bank loans can check out their business credit scores (which generally range from 0 to 100) at three business credit bureaus: Experian, Equifax and Dun Bradstreet. Check out these five steps to building business credit. and if you see any mistakes on your reports, contact the bureaus.

    More than likely, you’ll need an excellent business credit score as well as good personal credit to qualify for an SBA loan or traditional loan from a bank; this will depend on the individual lender and business factors such as your revenue, cash flow and time in business. In general, online lenders look at personal credit scores but can be a bit more lenient when it comes to credit score requirements, as they place more emphasis on your business’s cash flow and track record.

    If you re looking for the best financing for your business, take our quiz to find your options.

    2. Know the lender’s minimum qualifications and requirements

    Meeting a lender’s minimum qualifications and requirements will make you a stronger applicant. Some lenders may offer some flexibility if you’re underperforming in one area but overperforming in another, but your best chance of getting approved is meeting or exceeding all of their minimums.

    Borrowers typically need to meet minimum criteria related to credit scores, annual revenue and years in business. And lenders generally frown upon recent bankruptcies and other past delinquencies.

    If you’re looking for loans backed by the U.S. Small Business Administration, you have to meet additional SBA loan requirements. Your business must meet the SBA’s size standards because these loans are only for small businesses. Borrowers typically need to have strong personal credit and business revenue, and must be current on all government loans with no past defaults. So if you’ve been late on a federal student loan or a government-backed mortgage, you’ll be disqualified.

    Your business must operate as a for-profit company and you can’t be on the SBA’s ineligible businesses list. which includes life insurance companies, financial businesses such as banks and real estate investing.

    Qualifying for online lenders can be easier. Although online lenders typically underwrite loans based on traditional factors such as credit scores, annual revenue and cash flow, the loans carry less stringent requirements than SBA loans. For example, some online lenders may qualify you even without strong credit or an established business, and the lender may be more lenient with a recent bankruptcy. On the downside, this speed and ease of qualification typically comes with a more expensive loan.

    3. Gather financial and legal documents

    Banks and other traditional lenders typically ask for a wide range of financial and legal documents during the application process. They can include:

    • Personal and business income tax returns
    • Balance sheet and income statement
    • Personal and business bank statements
    • A photo of your driver’s license
    • Commercial leases
    • Business licenses
    • Articles of incorporation
    • A resume that shows relevant management or business experience
    • Financial projections if you have a limited operating history

    These requirements can make getting a bank loan time consuming. That may not be an issue if you’re in the market for a long-term business loan to finance a major investment.

    However, if you need money faster, online lenders may be a better fit, as they can provide a streamlined online application process with fewer documentation requirements and faster underwriting. If you have good credit and strong business finances, some online lenders may offer you rates comparable to those for bank loans.

    4. Develop a strong business plan

    Lenders will want to know how you plan to use the money and will want to see that you have a strong ability to repay. They may require a solid business plan that details the purpose of the loan and how you expect it to increase profits.

    Your business plan should include current and projected financials, and clearly demonstrate that your business will have enough cash flow to cover ongoing business expenses and the new loan payments. This can give the lender more confidence in your business, increasing your chances at loan approval. Your business plan should include:

    • Company description
    • Product and/or service description
    • Management team
    • Industry analysis
    • Facilities and operations plan
    • Promotional, marketing and sales strategy
    • SWOT analysis (strengths, weaknesses, opportunities, threats)

    5. Provide collateral

    To qualify for a small-business loan, you may have to provide collateral to back the loan. Collateral is an asset, such as equipment, real estate or inventory, that can be seized and sold by the lender if you can’t make your payments. It’s basically a way lenders can recover their money if your business fails.

    SBA loans require “adequate” collateral for security on all loans, plus a personal guarantee from every owner of 20% or more of the business. A personal guarantee puts your credit score and your personal assets on the hook.

    Some online lenders do not require collateral but may want a personal guarantee. Others may also take a blanket lien on your business assets — essentially another form of collateral — giving the lender the right to take business assets (real estate, inventory, equipment) to recoup an unpaid loan. Each lender has its own requirements, so don’t be afraid to ask questions if you are unsure.

    If you don’t have collateral to get a loan or don’t want to take on the risk of losing personal or business assets, unsecured business loans may be a better option.

    Which financing option is best for me?

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    Intoweb Intranets – Intranet developers #intranet #solutions #for #small #business, #intranet #development #intranet #solutions


    Intranet Systems

    Intoweb’s Intranet Systems contain various modules that you can choose from to suit your company requirements. The Intranet modules handles all your day to day business tasks to simplify how you manage the different aspects of your business.

    What makes Intoweb’s Intranet software different?

    • All the Intranet Systems run online, which allows you to access any information from anywhere in the world at any given time, as long as you have Internet access. Keeping a handle on your business has never been this easy.
    • The Intranet Systems runs securely on your Intranet
    • You only choose the Intranet System modules that you want to use, thus you only pay for the modules you will use
    • Our Intranet Systems are completely customizable and can integrate with most other systems
    • If there is a Intranet system that you need that we don’t already have, we can build it for you

    We are continuously adding more modules to our Intranet Systems. Below is a list of modules we currently have available and working on. If you don’t see the system you are looking for, please contact us to discuss the possibility of creating a custom system for your company.

    Click on the module to read more about it.

    Business Solutions

    Helpdesk / Requesting System
    Use the Intoweb Helpdesk system to automatically capture and manage email requests about a service you offer. The Helpdesk will alert you of any unresolved issues and allow you to draw reports on helpdesk usage.

    The Intranet Gallery is where images are categorized, uploaded and stored to be used by the personnel in the company. The gallery module can be used as a standalone module or integrated into other Intoweb modules.

    Calendar System
    This module consists of a calendar that will allow you schedule events in your company such as your annual meeting, end year function and team building events. You can integrate the Corporate Calendar with the Human Resources Employees module in order to keep the employee list up to date.

    CMS Collaboration System
    The Collaboration system is combination of a whole lot of smaller features, including a poll, survey, chat/forum, SMS system, Gallery, policy enforcement etc. Easy communication in the office is possible through this system.

    Contacts Integrated (Contact CRM)
    The Customer Relationship Management Module, integrated with the Contacts Module becomes the Contacts Integrated system. Manage all customer relations with easy access to contact information.

    Client Relationship Management
    Customer Relationship Management is made possible through this module. It is now easy to know exactly what is happening with your customers at any time.

    Contacts Module
    Use the Contacts module as a central information system on your Intranet to set up contacts for your organisation. These contacts can be added to categories such as IT suppliers, Printing suppliers, General Maintenance, Emergency, etc.

    DMS (Document Management System)
    A document management system allows users to login to a site and upload files to a remote location. The user can then access his files from anywhere in the world as long he has an internet connection.

    Strategic Planning System
    The Strategic Planning System in includes analysing current market trends, the strengths and weaknesses of your business, the products and services you offer and much more. The system then assists in developing a series of business strategies for the way ahead.

    Project Solutions

    Project Management System
    The Project Management System allows multiple projects with multiple resources to be set multiple tasks and managed on the Intranet.

    Tasks Management System
    The Task Management System allows the management of tasks for multiple projects. Anyone can see where a project is and what progress has been made at any given stage.

    Process Flow System
    The process flow management system allows for an organisation to set up process flow analysis and tracking systems. Process flow is first created, and each step is analysed with how it influences the next step.

    Workflow System
    The Workflow Software assists people in managing the workflow and process flow of a company.

    Staff Solutions

    Kiosk Collaboration Solution
    The Kiosk System is a touch screen interface which allows the user to access the various links of the Intranet through simple, clearly defined graphics. The Kiosk System makes use of an onscreen keyboard for any text inputs by the user.

    Time Attendance
    The Time and Attendance module is designed to keep track of the activities attendance of employees. The system features time projected and taken on project, and various reporting systems. This module has various features that allow managers to see how employees spend their time and how much time is spent on meetings. This allows them to track how much time is spent on one particular client or project and as a result, costs can be calculated more accurately.

    The Best Laptop for Small Business #best #laptop #small #business


    The Best Laptop for Small Business

    Find the right laptop for your business.

    laptop image by Jorge Figueiredo from

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    No one size fits all when it comes to business laptops. Finding the best laptop for your needs means finding the right fit when it comes to portability, power, features and budget. Start by taking a good look at your business. Do you travel a lot? Do you need to invest in multiple laptops for employees? Do you use demanding applications? Are you on a shoestring budget? By answering these sort of questions, you will be headed in the right direction to find the best laptop for your small business.


    One of the most noticeable differentiators between different types of laptops is the size. Sizes range from small, extremely portable netbooks on up to large, powerful desktop replacement laptops. On-the-go entrepreneurs that need to haul laptops through airports and down endless office hallways should look into smaller machines that won #039;t cause a shoulder ache when packed around. For users that need a powerful machine that can handle heavy-duty database or multimedia applications, a desktop replacement laptop can offer plenty of screen space and enough processing power to tackle demanding work. Many small businesses will fall somewhere in between, but your portability needs will help dictate which end of the scale to aim for.


    Laptops can represent a substantial investment for small business, especially when it comes to outfitting multiple employees with notebooks. That means that laptops need to hold up over time. Many businesses maintain around a three-year upgrade cycle. If your business fits that profile, you should consider laptops with a three-year warranty that covers repair or replacement in a timely fashion should anything go wrong. Business laptops are often available with more comprehensive warranties than most consumer laptops. Check into the small business offerings from your preferred manufacturer.

    Buying for Employees

    Finding the best laptops for your employees involves doing a little research up front. Consider how much each employee travels, what applications they need to use and what your budget is. Taking the time to talk with employees about what they need in a laptop can help you narrow down your options and make sure you get machines they will be happy with. Purchasing multiple models of the same laptop can make it easier on your IT support team. They only have to learn the ins and outs of one model.


    Although most consumers are happy to get by with surfing the web and watching videos on their laptops, small businesses need to take their business applications into consideration when shopping. A less expensive laptop can do the job when it comes to just getting online and doing some word processing, but businesses that work in multimedia, video editing or with heavy duty databases should look for a laptop with a high-end processor, lots of memory and enough screen space to comfortably handle these applications.


    The rising popularity of laptops has also meant that more valuable business data, including customer information, financial data and project development details, are stored on the portable machines. Laptops are at a greater risk of being stolen or accidentally left behind somewhere. Businesses need to have laptops equipped with equipment and software that secure the machines. This may mean built-in biometric fingerprint readers or tracking software that locates a stolen notebook.

    About the Author

    Amanda C. Kooser is a freelance writer with a decade of experience covering technology, business, travel and music topics for national magazines, trade journals, websites and regional publications. She has contributed to Entrepreneur Magazine, New Mexico Business Weekly, Restaurant Business Magazine and eBay Magazine.

    Photo Credits

    Dsl small business #dsl #small #business


    Full Service Business Internet

    The total business connectivity solution for sending and receiving large files, and running mission critical applications.

    Since 1997, Covad has been delivering DSL broadband designed especially for small and mid-sized businesses. Our connectivity solutions balance competitive pricing with the performance, features, and room to grow that your business needs.

    • Superior value – Business Internet delivers high performance, features, and quality of service at very competitive prices.
    • Business-class reliability – Get fast, dependable Internet through our nationwide MPLS network, backed by strong service quality commitments.
    • Support you can count on – All services include 24x7x365 support.
    • Room to grow – Options and speeds that can be easily upgraded as your business grows.

    Every business has unique needs. Whether you’re a small business that wants the simplicity and competitive pricing of a broadband solution that can meet a variety of upload and download requirements, or a company that wants the guaranteed performance of dedicated internet services backed by service level agreements, we’ve got the business product you need.

    Call for questions or orders 800.457.4831

    Check Availability and Pricing

    DSL – Digital Subscriber Line (DSL) is a “last mile” service that allows consumers to access the internet by using their existing telephone lines. And while there are faster technologies available such as cable and fiber, DSL coverage is virtually everywhere. Read More

    Cable Broadband – Cable Broadband service provides uninterrupted, high-speed and affordable data connections to the Internet, supporting multiple users, web sites and enterprise applications. This reliable service is backed by 24/7/365 support and industry-leading SLAs. Read More

    Get a Small Business Loan When the Banks Turn You Down #small #business #loan #for #bad #credit


    Get a Small Business Loan When the Banks Turn You Down

    Updated August 11, 2016

    Do you want to start your own business but don t have the money it takes to make money? Have you tried to get a small business loan from a bank or credit union and been turned down because you don t have enough collateral or sufficient credit history? You may be able to get the start up money you need from a Canadian Community Investment Fund.

    Community Investment Funds are non-profit organizations dedicated to helping people who can t get the loans they need to get on their feet from a traditional lending institution (such as a bank or credit union), often because they don t have the credit history or collateral that a traditional lending institution demands.

    Some of these Community Loan Funds will also assist people with poor credit histories (although they will likely insist that you go through credit counselling).

    So if you have no credit history or collateral because of divorce, because you re a new immigrant or because you re young, or if you have a poor credit rating because of repayment issues, your local Community Loan Fund may be willing to give you a small business loan.

    Your business venture has to be local, though. Community Investment Funds get their working capital from their own communities. While a particular fund may have some government support, typically the bulk of the loan funds come from investments solicited from churches, service groups, and local businesses.

    Different Community Loan Funds have different lending parameters so don t immediately write them off as a potential source of start up money or the money to expand your small business; if you re looking for a small business loan, particularly one to start a business, it s definitely worth checking with your local Community Loan Fund to see if you might qualify.

    Examples of Canadian Community Loan Funds

    • St John Community Loan Fund – provides small business loans of up to $5,000. You must show that you cannot get a loan elsewhere due to income, assets, security or credit history. Loans can be used for almost anything as long as it is legal .
    • CDBC First-Time Entrepreneur Loan (Atlantic Canada) – provides small business loans for first-time entrepreneurs starting or purchasing their very first business.
    • Quebec City Community Loan Fund – provides small business loans of up to $20,000 to projects that make sense business-wise and are of social benefit. Projects that promote alternative economic structures and act as a catalyst to structural change are of particular interest.
    • Montreal Community Loan Fund – provides small business loans to a maximum of $ 20,000 for the start-up, consolidation or expansion of individual or social economy businesses. The place of business must be on the island of Montreal and cannot be a franchise nor be of sexual character.
    • Ottawa Community Fund – provides short-term small business loans of up to $15,000 to businesses and business people with worthwhile business concepts, practical work experience and/or training, and a solid business plan.
    • Jubilee Fund (Winnipeg) – provides loan guarantees for projects and small businesses that are economically viable and relevant to the Fund s social goals. Browsing their Business Projects page will give you a good idea of the sorts of businesses they re looking for.
    • Business Investment Loan Fund (Northwest Manitoba) – provides small business loans of up to $75,000 for businesses located in or intending to locate in the Northwest region of Manitoba. The fund is intended as a lender of last resort . Applicants need to be able to provide a minimum 10 percent equity.
    • Lloydminster Region Community Futures (Alberta) – provides small business loans of up to $150,000 for starting or growing a business. Applicants have to show proof that they ve been turned down for a loan by at least one financial institution. There is a loan application fee.
    • Community Futures British Columbia – provides small business loans of up to $150,000 for new business start-ups, business expansion, or to stabilize an existing business. A reasonable personal financial investment is required.
    • Circle of Habondia Lending Society (B.C.) – provides loans of up to $1000 to women for whatever they need it for in the Slocan Valley/Nelson/Castlegar area of B.C. Help with business ideas is one example of the kinds of expenses the Society will help out with.

    Before You Apply

    Every one of these Community Loan Funds wants to see a solid business plan as part of your application.

    If you don t have one, my Writing a Business Plan series that starts with the Business Plan Outline will guide you through the process of writing one.

    Small Business Loans for Washington State Companies #military #small #business #loans


    Small Business Credit Initiative

    Washington State received $19.7 million from the federal Small Business Jobs Act of 2010 to lend through programs that improve access to capital for small businesses so they can grow and create new jobs. Working with private partners, the state expects to leverage these funds through the end of 2016, driving up to $150 million in new capital to Washington small businesses.

    The Collateral Support Program (CSP) can help small businesses secure bridge loans of up to 18 months including SBA 504 bridge financing. CSP places cash deposits with the lending institution as additional collateral support to help lenders approve the loan.

    Craft3 is a non-profit Community Development Financial Institution (CDFI) that has partnered with SBCI to make loans to small businesses with a focus on underserved communities across the state. Generally loans range from $250,000 to $5 million.

    The W Fund, an $18.5 million venture capital fund, invests in early-stage life science, biotech, medical device, alternative energy, and information technology companies emerging from universities and research centers across Washington. The objective is to spur company formation and job creation from Washington’s significant research and development base. Fund recipients must be located in the state, provide vital capital and creating economic opportunity in key growth sectors. Investment maximums are $500,000 per investee per round.

    Capital Access Program

    The Capital Access Program (CAP) is not accepting any applications for small business loans at this time.

    Artisan Electric

    Artisan Electric is a full-service residential and commercial electrical contractor specializing in solar photovoltaic systems throughout the Puget Sound. Since 2007, Artisan has helped shape the area’s energy future by educating communities, simplifying processes and creating energy solutions that are both practical and elegant.

    Owners Jason Williams and Evan Leonard found that while they excelled in running sales, design and installations, neither fully understood the financial side. High revolving balances, high overhead and inefficiencies were making it impossible to make a profit. With the help of a new controller, they cleaned up and reconciled the financials. Jason and Evan needed capital to pay off debt, but traditional banks couldn’t help. Craft3 could.

    Small Business Accounting Software #saas #small #business


    The Online Small Business Management Solution

    A Complete Solution

    Don’t juggle multiple software packages. WorkingPoint integrates tools for small business accounting, online invoicing and many other small business needs.

    Easy To Use

    We designed WorkingPoint for business owners, not accounting professionals. It is simple and straight-forward to use.


    WorkingPoint is a high-quality, time-saving system you can depend on to manage your small business accounting and finances. It lets you focus on making your business successful.

    Completely Secure

    We use the same Internet security technologies that banks do, so your critical business data is absolutely secure – far more than it would be on your own computer.

    An Online System

    Don’t waste time struggling with software upgrades, patches and system maintenance. Online invoicing helps you get paid faster. With WorkingPoint, there’s nothing to install and no upgrades to download. And since you aren’t tied to a single computer, you can manage your business wherever you are – at home, at the office, or in the car.

    What Our Customers Are Saying

    Lee Lesley Turq Jewelry

    “We were very excited to learn that WorkingPoint was launching a new product, one that answered every single one of our needs. After over 7 years with QuickBooks, we took a leap faith and decided to convert to WorkingPoint – and we’ve never looked back!”

    Cody Maher eCopywriters

    “I just started eCopywriters but I would be lost without WorkingPoint – fantastic concept, amazing app. I tell everyone to use it!”

    Tseggai Debrezion deBreeze Interactive

    “I tested many other packages such as Less Accounting, QuickBooks Online, CreativePro Office, Mint, and so on for our start up. However, this is by far the most integrated, simple and intuitive accounting suite we came across.”

    Tyler Findleton Element Systems

    “Best $10 I could ever spend on the internet. I love your product because it allows me to focus on my business and not the business of doing business.”

    Business Owners Policy (BOP Insurance) #resources #for #small #business #owners


    Main Navigation

    Business Owners Policy (BOP)

    Combining both property and liability insurance, a BOP can help protect your business in the event of such things as fire (property damage), suspended operations (business income) or lawsuits (liability) resulting from bodily injury, property damage, personal injury or advertising injury.

    For many businesses, a standard BOP provides sufficient coverage for a broad range of property and liability risks. However, a Travelers Master Pac SM policy also offers the flexibility to meet the unique needs of your business.

    Master Pac

    Key coverages for your business:

    • Building/property
    • Business income and extra expense
    • General liability

    Every business benefits from a Master Pac policy, but some need more. There are a variety of additional coverages you can add on to enhance your BOP or round-out the protection for your business.

    Consider these scenarios.

    • A fire destroys your property. You need help paying for damages and replacing lost property.
    • Your business is temporarily closed due to a fire. Unfortunately, bills, payroll, rent, and other financial obligations still need to be met.
    • A customer trips and falls inside your store. Weeks later, you receive notice he has filed a lawsuit against your business.

    Find an Agent

    Need an Agent?

    Newtek Business Services Corp #newtek, #newtek #business #services, #the #small #business #authority, #small #business #services, #sba #loans, #small #business #loans, #credit #card #processing, #merchant #processing, #online #payroll #services, #managed #technology, #web #hosting


    Investor Relations

    Corporate Profile

    Newtek is a direct distributor to the small- to medium-sized business market under the Newtek TM brand. Our mission is to become the premier provider of quality business and financial services to small- and medium-sized businesses throughout the U.S. Newtek focuses on providing over 90,000 business accounts with access to financial, management and technological resources that enable them to better grow and compete in today s marketplace. Newtek s products and services include:

    • Electronic Payment Processing: Credit card, debit card, check conversion, and ACH solutions
    • Web Hosting: Full service web host including domain registration and online shopping cart tools
    • Business Lending: Business loans to start up, acquire, or expand a business
    • Insurance Services: Nationwide commercial, health and benefits, and personal lines of insurance
    • Outsourced Digital Bookkeeping: Bookkeeping and recordkeeping
    • Accounts Receivable Financing: Receivable purchasing and financing services
    • Web Design and Development: Customized web design and development services
    • Payroll: Payroll management processing and employee tax filing

    Small Business
    Loans Get the capital needed to help grow your business, advertise, build inventory or pay expenses. Quick approval process!

    Services Save time, money and eliminate liability for calculation errors or mis-payment. Manage Payroll easily online with just a few clicks. Free 60-Day Test Drive!

    Processing Accepting Electronic Payments made simple. Reduce your cost with extremely competitive rates and cutting edge processing technology.

    Services Web services for small to medium size businesses. Save 60% or more on your current I.T. costs with the Newtek Cloud.

    The Newtek
    Advantage Our FREE application that delivers real time powerful business intelligence to your mobile device.

    In the Media

    Company Information: NEWT

    Newtek is a brand of Newtek Business Services Corp. (NASDAQ: NEWT). Newtek Business Services has been in business for over thirteen years, servicing over 100,000 business accounts in all 50 states.

    The Small Business Authority brand has been established to provide real-time state-of-the-art content and business services in order to become the definitive destination for small business owners across the United States.


    The Small Business Authority is a registered trade mark of Newtek Business Services Corp. and neither are a part of or endorsed by the U.S. Small Business Administration.

    5 Best Online Backup Services for Small Businesses #online #data #backup #services, #cloud #data #backup #for #small #business, #small #business #data #backup, #cloud #storage #services #for #small #business


    Online Data Backup Services for Small Business

    Online Data Backup Services for Small Business

    You’ve heard it thousands of times—backup your data . A good data backup strategy involves two copies of your data; one local (it resides in your office or place of business) and one offsite (you pay an online data company to store it remotely on their secure servers).

    Online backup services are not created equal when it comes to data security . The strongest security is “zero knowledge” encryption. It encrypts your data using a unique encryption key that only you possess; nobody, including you, can access your account without this key.

    If you lose your encryption key, all the vendor can do is open a new account for you. This might sound scary, but giving your vendor access to your data requires a level of trust that may not be warranted and also leaves you open to government searches. What’s the best way to protect your unique encryption key? Write it down and lock it in a safe place.

    Good features to consider: cross-platform client software, support for multiple filesystems, and sharing and file sync across multiple devices and users. Most backup services use deduplication—meaning they copy identical files only once—to reduce the size of backups. Another way to reduce backup size: record only changes to a file rather than making multiple complete copies.

    Backups should be reliable and automatic, and restoring data should be easy. Many services offer 2GB-5GB accounts for free. You’ll find personal, family and business plans with different features and pricing. Ignore the labels; if a personal or family plan meets your small business needs then use it.

    Memopal Small Business Online Data Backup Service

    Based in Italy, Memopal supports customers in Europe, the U.S. and Asia—in 15 languages. It supports more platforms than most online backup services: Mac OS X, Linux, Windows, Android, iPhone, Blackberry, a Web interface, and a Web-based, mobile-friendly interface.

    A simple Memopal Personal license covers as many computers as you like, up to your total storage limit. An annual fee of €79.00—about $86 USD—buys 500GB of storage.

    Memopal White Label offers a customized, branded interface and a choice of on-premises or hosted storage. Memopal guarantees your confidentiality and the anonymity of the data stored on its servers, though it does not implement true zero knowledge encryption. If you lose your login you can request a reset and get back into your account.

    SpiderOak Small Business Online Data Backup Service

    SpiderOak is the online backup service with the funny name. SpiderOak gets my top recommendation for small business owners who want maximum security and privacy. You get reliable, secure online data backups and real zero-knowledge protection.

    Every account gets a unique encryption key that protects customer data for the entire end-to-end process—uploading, storage, and downloading—and nobody can access your data without this key. If you lose it, you lose access to your account, and Spideroak cannot restore it or create a new one.

    SpiderOak offers group collaboration and enterprise backup, and Kloak, their new service for safely encryption and protecting your social media activities.

    SpiderOak is cross-platform and supports efficient online backups, file synchronization across multiple devices, file sharing and remote access from anywhere. You can use client software for PCs and mobile devices, or you can use the Web interface. The company offers a forever-free 2GB account, and then each additional 30GB costs you $7 per month or $79 per year. One terabyte of storage sells for $12 per month/$129 per year, and 5TB costs $25/$279.

    Crashplan+ Small Business Online Data Backup Service

    Crashplan+ . a moderately-priced online data backup service, offers both home and business plans. The reasonably priced business plans let you either pay $7.49 per-computer for unlimited storage, or pay for a specific amount of storage. The company’s online calculator quickly shows which option is the best deal. The company claims it’s fully committed to the unlimited plans and will not take them away. The Crashplan+ feature set includes backups to local servers or removable media, a 30-day free trial, and HIPAA compliance. The free version backs up data to your removable media or to any servers under your control, but not to Crashplan’s servers.

    JungleDisk Small Business Online Data Backup Service

    JungleDisk offers zero-knowledge security similar to SpiderOak, and a unique pay-as-you-go pricing structure: you pay exactly for what you use, rather than purchasing fixed blocks of storage sizes. You can choose from two JungleDisk editions: Jungle Disk Workgroup and Jungle Disk Server. Workgroup is designed for a single user using one or more devices. Server comes with server-friendly reporting and remote administration features. The Server edition costs $5 per server per month plus $0.15 per GB. You have a choice of storing your data on Amazon’s S3 cloud service, or on the Rackspace Cloud. Rackspace is a popular and reliable hosting service, and it owns JungleDisk.

    Barracuda Small Business Online Data Backup Service

    Barracuda Backup Service . a higher-priced option for shops that want more control, flexibility, and comprehensive central administration of multiple locations, offers offsite network backups integrated with local backups.

    Offsite backups can be hosted on Barracuda’s cloud infrastructure or mirrored on your own sites, and you can mix-and-match local and remote storage. For example, you might store important files offsite and locally, and less-important files locally only.

    You get fine-grained scheduling control—from real-time backups of critcal files to whatever interval you want for other files. Barracuda meets HIPAA and Gramm-Leach-Bliley security requirements.

    Start by purchasing a Barracuda backup appliance—a dedicated backup server pre-loaded with backup and monitoring software. Prices start at $999 for the 100GB-capacity 190 model server (250GB raw capacity) and go all the way up to a base price of $135,000 for the model 1090, which has 112 TB raw capacity and about 50 TB of data backup capacity.

    Offsite storage costs $50 per month per 100GB, with no other costs; no agent, per-server, or client access licenses. You get 24×7 technical support, and continual monitoring of your server health.

    Carla Schroder is the author of The Book of Audacity, Linux Cookbook, Linux Networking Cookbook, and hundreds of Linux how-to articles. She’s the former managing editor of Linux Planet and Linux Today.

    Do you have a comment or question about this article or other small business topics in general? Speak out in the Forums . Join the discussion today!

    Office Space for Rent, Executive Suites, Virtual Offices, Meeting Rooms, Conference Rooms to rent in Charlotte NC #small #office #space #for #rent, #executive #suites, #small #offices, #small #office #space, #office #rental, #office #space #for #rent, #office #for #rent, #offices #for #rent, #conference #rooms, #meeting #rooms, #conference #room, #meeting #room, #virtual #offices, #answering #service, #virtual #office, #business #address, #mailing #address, #mail #forwarding, #virtual, #office, #assistant, #charlotte #nc


    Small Office space for rent in Charlotte NC

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  • More than just office space for rent


    From small office space and corner window offices to multi-office suites — every space is move-in-ready with furniture, internet, telephone, meeting room time and more. Our terms are flexible and come with a simple all-inclusive monthly price.

    Virtual Offices

    Perfect for those who want to use our space and services as their main business hub but don’t need a full time office. Package options include 24/7 access to hourly offices, professional telephone answering and mail box service.

    Meeting Rooms

    Day offices, meeting rooms and large conference rooms available by the hour for 1-on-1 interviews in our virtual offices, company gatherings for up to 10 people in our meeting rooms or large presentations for a group of 20 in our conference center.

    Tour Today

    To learn why we’re the best office space option in the Charlotte University Area you need to visit our beautiful facility for yourself, meet our friendly staff, and discuss with us the needs of you and your business. Schedule a tour here.

    Execubusiness Centers

  • Moving Company Files To The Cloud: The Problem With OneDrive For Business #onedrive,onedrive #for #business,dropbox,google #drive,shared #files,small #business,sync,sharing,sharepoint,file_sharing,microsoft,office #365,web_services


    Moving Company Files To The Cloud: The Problem With OneDrive For Business

    Small businesses and law firms are ready to move their documents to the cloud. Until recently, I haven’t had an answer about how to accomplish that because none of the familiar solutions were quite right.

    Let’s get some background, using OneDrive for Business as an example of a service that looks like it ought to be the right answer – but isn’t. In the next article, I might have an answer.

    Most small businesses and law firms have a folder on the server in the closet that is used for all shared files. It might be called “Company” or “Share files” or the “M:” drive or the “P:” drive, or maybe your office has a few different shared folders, but the idea is the same: the server is the default location for every work file.

    We’ve become accustomed to accessing our mailboxes on all of our devices from any location, but accessing shared company files is harder.

    • Traditionally it requires remote access to an onsite computer using LogMeIn or Remote Desktop.

    • Brave people might try setting up VPN access to the server, which is notoriously clumsy and hard for normal people to figure out.

    • Microsoft’s recent Small Business Server and Server Essentials products set up an online portal that provides access to the shared files on the office server, where they can be downloaded so you can work on them, then uploaded back to the server.

    We’re losing our fear of the cloud. The best online services are secure and outages are occurring less frequently. At the same time, we’re more mobile than ever and we expect access to our information wherever we are on whatever device we have in our hands, including laptops, tablets and phones.

    It’s no surprise that in the last couple of years, I’ve been asked frequently to recommend an online service to store company files for a small business.

    There are four services that are well-known, plausible candidates: OneDrive ; OneDrive for Business ; Dropbox ; and Google Drive. Each offers generous amounts of online storage space at a low cost, and each has extensive support for sharing files and folders. Microsoft includes access to OneDrive for Business as part of many Office 365 business plans, and now also sells it separately. Dropbox introduced Dropbox for Business for better user management and improved security. Google packages Google Drive as a core feature of its business-oriented Google Apps for Work.

    OneDrive, OneDrive for Business, Dropbox, and Google Drive are built to hold files owned by an individual . None of them is intended to handle equal, shared access by groups of people. It’s deep in their architecture; attempting to use them for a shared company folder quickly exposes the missing elements and flaws that distinguish an individual service from a service for groups.

    Let’s use OneDrive for Business as an example. Many business Office 365 accounts include 1Tb of storage space in OneDrive for Business, more than enough for all the company documents. What happens if you decide to move all the company files to OneDrive for Business?

    OneDrive for Business is assigned to each person individually. There’s no Company folder. The files are going to go in the senior partner’s account.

    After some setup and uploading, the files are online. Access to the files is shared with all the employees. Each employee can open their OneDrive for Business portal and see the list of files. Each employee can edit the files, rename them, move them, and delete them. That’s the same situation you had before with files on the local server, but there are fewer backup options for online files and perhaps a shorter retention period for recovering accidentally deleted files.

    With OneDrive for Business in its current incarnation, only the owner of the shared files – the senior partner – can sync a copy of the files to their local computer. The only access for everyone else occurs through the website. The website access is very nice, including use of Microsoft’s web-based versions of Office programs, but it’s not the same as opening up File Explorer and browsing through files and folders. Among other things, that means you’re cut off from the files while you’re offline. No working on the airplane unless you download files before you board and remember to upload the new versions manually after you land.

    The owner of the files will presumably want to run the program that syncs a copy of them to his local computer; unfortunately, the sync program for OneDrive for Business is buggy and unstable. completely different from the reliable one used by the consumer version of OneDrive. The files have to be stored on the senior partner’s computer; syncing to a server or network drive is not supported.

    Perhaps you try another option: let every employee log into OneDrive for Business with a single shared account. Each employee syncs all of the Company files to every computer, in their entirety. It eats up hard drive space on every computer, and perhaps fills up hard drives and crashes some of them. The syncing is time-consuming and it eats up bandwidth. If an employee’s finger slips and deletes a folder, the folder is deleted from every computer. Confusing things happen if two employees edit the same file simultaneously.

    OneDrive for Business is actually a lightly-disguised facelift for individual document libraries in Sharepoint. Microsoft’s enterprise platform for collaboration and office networking. OneDrive for Business has no relationship whatsoever to the consumer version of OneDrive – completely different architecture at Microsoft’s end, completely different syncing software on your computer. (Good article here about the history of OneDrive for Business and how it compares to the consumer OneDrive.)

    Now you can see the bigger picture of Microsoft’s services for storing files online.

    • OneDrive for Business is for individuals.

    • Microsoft’s platform for shared company documents is Sharepoint Team Site Libraries.

    Small businesses don’t use Sharepoint.

    Oh, I’ve tried. I’ve talked about Sharepoint. I’ve studied it. I’ve taken training courses. I’ve worked with test Sharepoint sites. I’ve thought long and hard about what it would mean for a small business to adopt Sharepoint.

    Sharepoint is huge. It’s complex. It’s complicated. It’s difficult to set up, difficult to administer, difficult to use. It requires a difficult migration, long employee training, and most of all, it absolutely requires at least one company employee whose job will largely consist of being a Sharepoint administrator. It’s effectively out of reach for companies with fewer than 25 employees.

    Large enterprises use Sharepoint because it can be made to do wonderful things, if it is extensively customized and there are in-house IT employees available to do the nonstop administrative tasks.

    “Should I save my documents to OneDrive for Business or a team site?

    “It’s tempting to save all your documents to OneDrive for Business. If a document is a collaborative effort related to a project, then saving it to a team site might be a better choice. This article provides some guidelines to help you decide which route to go.

    “Save documents to OneDrive for Business when…

    • “You don’t plan to share them.

    Documents you place in OneDrive for Business are private by default, unless you place them in the Shared with Everyone folder. This makes OneDrive for Business your best option for draft documents or personal documents that no one else needs to see.

    • “You plan to share them. but they have a limited scope or lifecycle.

    You may sometimes work on documents that aren’t related to an ongoing project, which are important mostly to you, but that you still want to share.

    “Save documents to a team site library when…

    • “You want team members to recognize the document as being relevant to an ongoing project.

    • “You want to spread ownership and permissions across a wider collection of people.”

    As a small business, you don’t have Sharepoint team sites. That means Microsoft does not have a solution for you to store your company files online.

    The details are slightly different with OneDrive, Dropbox, and Google Drive, but the concept is the same. Each one is designed for files owned by individuals and shared on a limited basis. They are not designed for company files which will be accessed equally by all employees in a small business.

    In the next article, we’ll look at the service that has matured into the solution we’ve been looking for. I finally have an answer for small businesses that want to move their files online.

    The 4 Best Credit Card Processing Options for Small Businesses #credit #card #processing #for #small #businesses


    The 4 Best Credit Card Processing Options for Small Businesses

    Cash is no longer king. To stay relevant and competitive, credit card processing for small business owners is no longer a nice to have but a must. Sponsored by National Bankcard

    Cash is not always king. As our society steadily moves towards becoming more digitalized and reliant on technology, we are seeing less physical money exchange hands.

    However, keeping up with the times is not the only reason to upgrade your small businesses payment system. Here are just some of the advantages accepting credit cards will have on your bottom line:

    • Increase in overall sales
    • Improve customer service
    • Broaden your customer base
    • Save time with fewer trips to the bank.

    So if you are ready to take the plunge and provide more value to your customers, here are four of the best credit card processing solutions for small business owners.

    1. Terminal Processing

    A payment terminal, also known as a point of sale terminal, is a device that allows customers to make payments with their credit cards in store. It is a reliable and secure method of accepting credit and debit payments.


    The main benefit of credit card terminals for small business owners is its direct link to improved customer satisfaction. With a card machine payment option, you will be able to reduce wait times with faster checkout, give your customers a secure way to pay for their purchase and more options to pay that suit their needs such as contactless payments and digital wallets.

    There are also a few vendors that give small business owners a free terminal processing system on sign up. This value add helps to reduce initial setup costs and is something to look into if your budget is tight.


    The downsides to accepting cards are minimal, but most of them can be avoided. While credit card fraud is still a common problem, merchants can train their staff to spot a fake debit or credit card. Another disadvantage is the unavoidable cost. However, business owners should look at it simply as a cost of doing business and realize the device will pay itself off in no time.

    It s easy to see that the cons associated with terminal processing are minimal and can be easily avoided. The benefits will not only help your business grow but drive customer loyalty and deliver a positive in-store experience.

    2. Mobile Processing

    Mobile credit card processing also referred to as mPOS (mobile point of sale) gives small businesses the ability to accept card payments with a phone or tablet instead of a terminal or point-of-sale (POS) system.


    The main benefits of choosing a mobile credit card processor are its versatility and the low-cost factor. For small business owners that attend local farmer s markets or trade shows, this option lets you accept credit cards wherever you are. This capability can also benefit stationary business owners who can mobilize their sales team by adding more checkout lines without purchasing additional registers.

    Mobile processing companies also tend to charge fewer fees than traditional credit card processors and take the guesswork out of tipping by providing preset percentages for customers during checkout.


    There are two main concerns that small business owners should consider before purchasing a mobile credit card processor is how it will negatively affect customer service and getting a robust estimate on costs.

    If you choose not to add a printer with your mobile processor, it will take extra time to capture an email address to send the receipt electronically. Depending on how busy your shop is or if your customer is in a rush, this might lead to some dissatisfaction.

    While mobile credit processors are less expensive than standard credit card terminals for small business owners, they do come with a bunch of small costs that add up. Before biting the bullet with a vendor be sure to inquire about the fees that will be charged per transaction, per day, per month and even year so that you can get a holistic cost estimate.

    Mobile credit card processing for small business owners are ideal for merchants who are on the go and want an affordable solution. The disadvantages above can easily be avoided with some careful planning, and there are numerous ways to lower your mobile credit processing costs if you are prepared to negotiate your rates and ask the right questions.

    3. POS Processing

    POS credit card processing for small business owners is a reliable, affordable and flexible way to manage POS operations. It transforms an ordinary tablet into an all-in-one payment solution that can complement a range of add-on applications as well as cash drawers, scanners, printers and more.


    One of the key advantages of a POS processing system is the ability for small business owners to access their sales data no matter where they are. By using a cloud-based system, you can see real-time inventory levels and customer information as you go about your day.

    A POS processing system also lets merchants take advantage of a cloud-based integration and offer services that are not possible with a traditional POS platforms. Besides allowing payments to be processed anywhere on the business premises, business owners can also use this system to set up check-splitting, loyalty programs and integration with external accounting platforms.


    Before you make the big switch to a POS processing system, there are a few things to consider. Firstly, it is important to remember that as your POS system is hosted in the cloud, it is only as good as your internet connection. Do your research and make sure you either choose a vendor that offers offline services or that you have a backup plan in place in case your connection goes down.

    By embracing cloud computing technology like POS and setting up systems to combat possible downtime, small business owners can operate just as efficiently as bigger organizations.

    4. Online Processing

    It is not enough to just have a brochure, these days you have to sell online to stay relevant, and that means accepting credit cards. An online processing system lets merchants accept online payments from buyers worldwide. It is a safe, reliable and seamless way to manage payment processing while you focus on making the best possible product or service.


    Online payment systems give your customers a convenient way to place an order with your business. Instead of having to drive to your storefront, an online POS lets them shop from the comfort of their own home. By offering this functionality on your website, you can easily increase sales by not giving your customer the chance to look at a competitor that does offer online sales or forgetting about visiting your store altogether.


    With an online payment system, you will be dealing with sensitive information such as credit cards numbers that be stolen or altered. As a result, you need to make sure you have adequate security to protect your customer s details as well as your company s reputation. Before choosing a vendor, find out what systems they have in place to minimize fraud and their guarantees on data protection.

    In short, an online processing system is a necessary payment option for small business owners who want to remain relevant and competitive. By ensuring your business partners with a service provider that complies with high-security standards, you can increase your revenue and take your business to a global market.


    Before you decide which of the four credit card processing solutions is the best decision for your small business, make sure you weigh up all the factors and consider which service vendor will be the best fit for not just you, but for your customers as well.

    Editor’s Picks

    Meet “Dirty Dozen” Tax Break #11: The Small Life Insurance Company Deduction #small #life #insurance #companies


    Meet “Dirty Dozen” Tax Break #11: The Small Life Insurance Company Deduction

    Virus Protection, Zone Alarm, for Consumer and Home #best #small #office #firewall


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    Today’s home networks do double-duty for both personal and business uses. Home users often have multiple devices simultaneously connected to the Internet that require protection from threats like malicious social media websites and malware downloads. All this activity makes home networks extremely vulnerable to attack, because cybercriminals know that many home networks have minimal security protection.

    Despite the growing security risk, consumers want convenience. As a result, higher risk activities, such as online banking on an unprotected mobile device or a public network, continue to rise. Without greater security protection, the risk of financial loss to individuals and families will grow.

    Home network security requires a product that offers the same sophisticated, always-on threat protection that businesses require. Check Point’s ZoneAlarm products provide home users with the complete threat protection they need to safeguard all of their PCs and mobile devices.

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