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Old 20th June 2008, 09:59 AM   #1
508dunn
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Default Small Business Finance Questions

I am doing some market research on the small business environment. I was wondering what the major finance issues facing small business owners are today. What are small business owners looking for in a lender/vendor? Better customer service, remote deposit products, more customized products? Any input would be appreciated.

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Old 1st July 2008, 02:31 PM   #2
akhanna18
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yes i am agreed with the problem facing by sme's is the way of getting capital . to get easy loans first of all the business plan should be impressive and the future growth will be roburst , which would attract venture capitalist to provide funds.

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Old 24th July 2008, 04:47 PM   #3
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I think the most important thing for small business owners is cash flow. Money goes out just as fast as it comes in.

Credit, collateral, tax liens, and debt to income are things that come into play when trying to secure traditional forms of capital.

"who can get me the money the fastest?"

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Old 14th August 2008, 04:10 AM   #4
harris1234
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I think most important thing for small business to collect the fund for your business and second thing is that where would you go to take the easy loan. That to thing are the initial problem for small business. To over come that problem your business plan should be impressive and your future growth should be robust. These thing attract the business loan providers.

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Old 15th June 2009, 07:41 AM   #5
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According to me Fund is the important thing which every business needs.

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Old 18th June 2009, 06:10 AM   #6
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There is also the problem of cash flow. Sometimes you don’t have enough finances to deal with urgent cash need.

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Old 18th June 2009, 06:40 AM   #7
ArcSine
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One thing I'm seeing quite a bit of in this credit-restricted environment, is an inability to establish, or even maintain, backup credit lines, and it's having a very restrictive ripple effect.

A lot of companies I deal with are accustomed to maintaining untapped credit lines, as 'emergency' backups. Yeah, there are some fees involved, but in most cases they're worth it.

But recently it's been difficult for many small businesses to establish new lines, or even to renew existing lines; sometimes only on very onerous terms, other times not at all.

The ripple effect is that without that backup cushion, these companies are having to scale back their growth plans, or perhaps forgo potentially lucrative projects. Without that undrawn credit line safety net in place, there's just too much perceived risk, in their view. And so like ripples in a pond...

That's just a particular subset of the overall "access to credit" problem currently facing a lot of small bizzes, of course, but it's particularly acute for those small enterprises that rely on access to credit lines to help fuel their growth.

Cheers, all!

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Old 20th June 2009, 10:49 AM   #8
phanio
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Cash - either from imporving cash flow or accessing credit.

Great blog about improving cash flow - http://businessmoneytoday.blogspot.c...cash-flow.html

For credit - in today's market - lender are complaining that they are not seeing qualified borrowers - meaning that credit scores are subpar and lack of income to service the monthly payments. Lenders just want to be repaid - you must demonstrate that you can and have in the past repaid loans.

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Old 1st July 2009, 01:04 AM   #9
Payroll Tampa
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Small Business owners facing most difficult hurdle is Financing and if get finance source most of on high interest rate so need to provide them easy financing.

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Old 22nd December 2009, 02:08 AM   #10
hudson
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The four most common issues faced by online business owners today include:

• Internet marketing

• Bookkeeping

• Efficient ordering and shipping process

• Time management

As the Internet becomes more competitive, your day-to-day business practices are more important than ever. If customers feel you aren't providing quality goods and services, they can very easily take their business elsewhere.

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