SMALL BUSINESS LOANS

STARTING A BUSINESS?

EXPANDING YOUR EXISTING BUSINESS?

ABACUS FINANCE can help with fast small business loans - up to $5000 anywhere in NZ.

Would $5000 make a difference to your business?
If you need a small business startup loan, or you are looking for a bit of cashflow relief, a small business loan may be the answer for your business.

How easy is it?

2. We will do a CREDIT CHECK to see what your credit history is like.

3. We need some evidence of INCOME. (We understand this is often the hardest part when you are self-employed, but don't be afraid to ask - there is no obligation and there may be an easy way to find the answer).

4. Then we make a DECISION about whether you qualify for a finance. Because sometimes you just can't wait.

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New Business

Starting a business doesn't need to be a big financial commitment. Many very successful businesses have started at home, and grown bit by bit as time and income have allowed, with just a small business start-up loan to get them off the ground.

Take advantage of all the free advertising listings and offers too. Just because you have paid for something doesn't always means it is going to work! A carefully thought out plan using free marketing resources can be just as effective.

If you believe in your idea but feel concern about the risk, then start small, keep your day job and test the market. Work nights, work weekends, work in your spare time - keep the risk low and you will have lost little, and gained valuable experience.

Existing Business

We all know about doing the "hard yards" now to get a better result in the future. That small investment can lead to more security and income - but sometimes the opportunity is now : and there is just no more money available.

Make use of what you have already achieved by using existing assets as security to secure a small business loan for that next opportunity.

And then there is the all important question of cashflow...

Your Business Online

Whether you are a local business, a service, selling goods or providing information just because you are passionate about it! - it is very likely that your customers will search for you online.

Having a Business Website doesn't need to be expensive, time consuming or difficult.

In the past you may have needed to pay a professional website designer to establish your website, and maintain it on an ongoing basis. And this type of arrangement still has its place...

However, it is also possible for a small business to easily set up their own internet presence as you will see in this Website Design information.

Women In Business

Cashflow

Lack of cashflow is one of the greatest killers of small businesses. Don't leave it too late, act before it impacts your business irreversibly.

In these difficult and changing economic times you will need to manage your cashflow even closer. Where you may have had results with a gentle reminder to clients in the past, you may find you now have to actively keep contact to ensure you get paid (eventually).

We all can find the administration in a small business can detract us from what we see as our core business, but it is still an essential part of being in business.

Don't let your customers slow payment create other problems for you. If you have a good credit history, and an easily accessible form of security, get a small business loan and some extra cash now. You may not need it, but the peace of mind alone will be worth the effort.

Leasing

We all accept renting or leasing a building as one of the choices in business, but what about the leasing of equipment also?

For much the same reasons as you would choose to lease your business premises, you would choose to lease your business equipment .

- less money tied up in large assets, giving you better cashflow

- tax deductible lease payments (obviously the rules vary depending on where you live)

- more flexibility when looking to upgrade: you don't have to first sell an asset to have access to a better version (this applies to buildings and equipment)

Being Mobile

Generally this is a welcome bonus as it means you can fit tasks outside of the office (or the country even!), while remaining available to clients.

This is often particularly important to start-up businesses if you still need to work outside of your business to keep the money coming in while your new business grows.

Being mobile is also a great necessity for Work From Home business - it removes the risk that even the smallest amount of time away from the "office" could result in a lost opportunity.

More and more products are being developed to ensure a smooth transition from being in the office to being out and about.

One such example is for your email. SMTP2Go is a wonderful innovation that gives you peace of mind that your emails will arrive where and when you need them.

ABACUS FINANCE: Small Personal Loans for Small Business


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