E Cigaret – Benefits And Controversies

After the discussion of e cigaret, there have been discussions throughout the world out of which majority concentrated on security of the cigarette. An elektronisk cigaret is into existence for several years and has been a good alternative to smoking conventional cigarettes. Not only is this but also an el cigaret helps smokers to lessen smoking.

Benefits of an ego cigaret:

An e cigaretter finds number of benefits associated with the electronic cigarettes, which are enumerated as under:

• Similar taste of conventional cigarettes: Electronic cigarettes contain similar tobacco taste but are free of other harmful substances being found in the conventional cigarettes. Electronic cigarettes allow smokers to remain satisfied without breathing in harmful toxins.

• User friendly: Fourth generation of an ego cigaret has become much user friendly than that of the initial versions that had been larger in size and could not encourage the mass.

• Creating smoke as vapor: An atomizer, a battery as well as an inexhaustible nicotine chamber allowing smokers to smoke, even create vapor and burn at end just like other traditional cigarettes.

• Reduced quantity of nicotine: Nicotine chamber in an elektronisk cigaret proves fruitful for smokers since the cartridges are being found in varied strengths, which permit users to lessen intaking, the quantity of nicotine.

• Saves on expenditure: Nicotine cartridges contain nearly 15 – 20 cigarettes that can be huge savings on your expenditure. Low, medium, standard or no nicotine contains different cartridge strengths.

• Environmental friendly: Smoking an e cigaret seems to be a healthier alternative to the conventional cigarettes as it is legalized to smoke in public places. For an instance: An e cigaretter needs to come out of public places such as pubs, restaurants, multiplex etc for smoking. However being eco-friendly, electronic cigarettes are being authorized to be used anywhere.

• Reusable: Smokers can make use of the electronic cigarettes, which means that only lesser quantity of vapor is required to be filled for every use.

• No smoke: One of the best things about an elektronisk cigaret is that it never produces smoke and are lesser risky to non-smokers and air quality. Owing to this reason, an ego cigaret is also referred to as smokeless cigarette.

Things to consider:

While there are so many benefits associated with an elektronisk cigaret, there are certain things that need to be considered prior to making the purchase. There are numerous groups pointing out the adverse effects of an ego cigaret. It came as a warning that children might get attracted towards the item given to its originality and alternative for varied flavorings. This is due to the fact that though most of the electronic cigarettes resemble conventional cigarettes yet others seem as USB sticks or pens.

There is not enough data stating the quantity of nicotine being used by a smoker and if it has severe effects. An e cigaret is much safer than conventional cigarettes, but it does not qualify them as extreme inhalation can leave dangerous effects on the body of smokers. Therefore, it is recommended to read the reviews clearly before purchasing the product.

Car Rental Rates – How to Get the Best Car Rental Rates

Car rental rates are obviously dependent on which dealership you opt for and how long you need the vehicle for. To get the best car rental rates you must be certain of the period in which you are going to require the vehicle for. For example, you would not want to rent a car for 3 days, to find out you need it for an additional 3 days this is where dealerships will charge for days the vehicle is required for, at their daily rate; savings are to be made when you book for a week if there is any chance of requiring the vehicle for longer. Agencies operate on weekly and daily rates; it always pays to look into the weekly rate as this is usually lower than a per day rate.

If you want to find the best car rental rates you must shop around. Car rental rates are constantly changing due to supply and demand and obviously change in line with the season. You will need to book far in advance should you want a rental car over any holiday period. Make sure you enquire about special holiday rates as some rental agents will give away a day extra for free over these periods. Make sure you are certain of you required dates over these periods as agencies cancellations over these periods will incur large fees.

To find the best car rental rates when it comes to long distance trips, it pays to book well in advance and ask your travel agent of any deals that are not publicly advertised. If you are planning a road trip to Las Vegas for tonight, you’ll have wanted to have booked at least a week ago to get the best rates and avoid disappointment. Remember that reservation only guarantees a reserved rate, you must specify if you are after a specific vehicle.

If you think the weekend car rental rates you are getting are too good to be true, then they probably are. You will want to ask for any hidden costs, such as insurance, state taxes, varying fees for drivers of different ages and refueling charges. Ask your rental agent of any compulsory insurance fees, as these hidden costs are generally what makes the advertised costs so well, read the disclaimer! Some states in America give rental car agents permission to charge extra fees on their rentals to cover the costs of licensing their cars. This is fee is generally 6% of the total rental costs. The majority of states in America do not require rental agents to inform the customer of this fee, so make sure you ask before hiring.

To get the cheapest, most value for money rental car rates you will need to shop around, be sure of the duration you require the vehicle for, make sure you ask about any hidden fees and always book well in advance.

Go on a Shopping Expedition With Gold Coast Car Rentals

It would be practically impossible to think of a holiday, without indulging in a little retail therapy, and if you have to come a shopper’s paradise like Gold Coast, there is no way you can leave without at least a few bags. With cars for rental, Gold Coast becomes easy enough to traverse.

Now, when you come to the Gold Coast, you really need to think about and plan your shopping trips, because there is simply too much for you to choose from. Perhaps, the first thing you should do when you get into town is get yourself Gold Coast car rentals. This way, not only will you be able to get to all the places you want to visit, but also get your purchases back to your hotel.

As mentioned before, the choices on the Gold Coast are extensive and these range from high-end shopping to local markets. It is up to you where you want to shop and what you want to shop for. The local markets include those held at Surfers Paradise, Burleigh Heads, Broadbeach and Coolangatta. Other popular markets include Tamborine Mountain, Robina Town Centre, Canungra Country Market, Paradise Point Art and Craft Market.

With cars for hire, Gold Coast shopping can be much more fun, because you can shuttle from branded shopping to street side, with ease. Perhaps one of the first places you should head to is the Pacific Fair Shopping Centre, which is home to some of the best retailers in the country. You can find almost anything and everything you need, under this roof and at reasonable rates as well. If at any point of time, you feel hungry or thirsty, there are several restaurants, bars and cafes.

The Oasis Shopping Centre is another place, worth visiting, because here you will find over 100 stores, which deal in specialty products. You will be able to find gifts to take back home, latest trends and fashion, including clothes and accessories as well as a supermarket. The best thing about this place is that you will also find a range of services, such as a bank, a post office and salon.

If you want a slightly more stylish shopping experience, then Harbour Town is the place for you. This is where you will find all the big brands, including, end of season lines of renowned designers. The shopping center also boasts of the country’s premier purpose built outlet shopping experience.

Tips To Get Approved For a Payday Loan

Payday loans are quite different from all other type of loans in financial market. The main difference is their approval process. The lender will not check your credit score or request your credit report from all 3 major credit reporting bureaus. They do not look into your outgoing and incoming bank payments or inspect your credit status. Although these loan companies definitely have lower requirements for approval that does not necessarily mean that they do not perform any other checks on their clients.

When trying to apply for a payday loan, lender will most likely check your work status, checking account standing and a bunch of other stuff. Growing consumer interests and demands for payday loans has created an opportunity for scammers to take advantage of. Every year hundreds of loan companies that scammed their clients have been exposed by local and even federal authorities. Loan companies that claim they do not perform any checks on their clients should be avoided at all costs. Make sure you do not pay company any startup fees before receiving your loan, as this is the most popular method among scam companies.

Before applying for a payday loan, you must fully understand what these loans are and what they should be used for. You should strictly use this money if an emergency financial situation arises and you need to tide yourself over until you receive a paycheck. Because of short repayment terms, you will be required to have a legit source of income and a valid SSN. A person is required to be over 18 years old in order to receive a short term loan. Make sure your checking account is in a good standing and do not try to sign up for multiple loans, even at different locations. Multiple loan requests are easily tracked and can result in a full denial for all your applications.

In order to get approved, you will need to have a legit job, where you have worked for at least 3 months. There is also a minimum salary requirement – usually it is around $800 per month after all taxes are paid. Your checking account must not have any overdrafts or hold a negative balance. When dealing with local payday loans, do not forget to take your banking information with you, especially your routing number, because it will be required to deposit money to you.

When you are applying for a loan, make sure all the information you fill in is correct. Being truthful with your lender is probably the most important factor to get approved for a loan. Even if your current situation has put you in a position when you cannot fully meet approval requirements, always tell your lender everything as it is. Do not worry about your private information, as payday loans are known for their confidentiality when it comes to their client’s information. Apply these basic tips and you will be surprised about how easy it is to get approved for a payday loan!

Aarkstore Enterprise– Medical Equipment Industry

The report provides an overview of the Chinese market for medical equipment and devices, with focus on four key emerging markets beyond already established cities such as Shanghai, Beijing, and Guangzhou.

Table of Contents :

Introduction
Executive Summary
Industry Overview
Market Overview: Tianjin
Market Overview: Shenzhen
Market Overview: Nanjing
Market Overview: Chongqing
Trade Event
Key Contacts
Methodology
About the Author
Aarkstore Enterprise is a leading provider of business and financial information and solutions worldwide. We specialize in providing online market business information on market research reports, books, magazines, conference at competitive prices, and strive to provide excellent and innovative service to our customers. Our customers include more than 700 leading financial institutions, professional service firms, consulting, law and accounting firms and other corporations throughout the world.

Market Research, Market Research Reports, Industry Analysis, Business Research, Business Market Research, Apparel, accessories, Babies Corner, Books, Food, Household Needs, Jewellery, Web Designing, Development, Search Engine Optimisation, Search Engine Marketing, Automotive, Accounting, Banking, Finance, Biotechnology, Consumer Goods Construction, Energy Resources, Food Drink, Health Safety Insurance, Law & Regulation Management, Pharmaceuticals Telecommunications, Accounting Biography, Finance Health, Safety, Law, Regulation Educational, Management Engineering, market size information, market access strategies, market share, export and import information, market analysis, market trends, competition, domestic production, best sales prospects, statistical data, tariffs, regulations, distribution and business practices, end-user analysis, trade shows, contact points, conference, events, seminars, magazines.

Aarkstore Enterprise specialize in providing online market business information on market research reports, books, magazines, conference booking at competitive prices, and strive to provide excellent and innovative service to our customers.

Travel Nurse Jobs

Travel nursing jobs is one of the fastest features of the nursing career, which has stormed the nursing profession and getting popularity with each passing day. Shortage of quality nurses, underpaid, love for traveling, whatever the reason, it has become a huge hit among young women who dare to dream big. If you share the passion of serving mankind and adventure to see the world and feel its diversity, the option is fit for you.

Travel nursing jobs are basically temporary jobs normally for a period of six weeks to twelve weeks. Normally, travel nursing agency, which specializes in providing quality human power, does provide placements for nurses in different regions. The agency is responsible for hiring, accommodating, payments and providing other benefits of nursing jobs. Usually, agency has a cordial relation with various hospitals, nursing centers and other medical practitioners who provide regular need of travel nurses in their area. The agency further processes the required vacancy and call ladies who shown interest in traveling as a part of their jobs.

Once, the hiring process gets completed, travel nursing agency undertakes the responsibility for preparing the contracts, where all the terms and conditions are mentioned. Sometimes, travel nursing agency looks after the visa, passports and work permit matters of nurses too. The agency does everything to satisfy the parties, the recruiter and the job seeker. In case, nurses like to prolong their assignment tenure, agency provides arrangement for that too.

These temporary jobs not only provide experiences of nursing but also give a chance to see the geographical variation. People who like to travel can really find this job useful and learning. Further, the job of travel nursing teaches to adjust according to the situation’s demand. Because of its great advantages, nursing jobs has attracted many young ladies to explore their dream of nursing and to gain experiences of the world.

Commercial Real Estate – Checklist for Making Your Sales Pitch Convert More Listings

In this property market, your pitch for new business is likely to be up against other agents in the local area. This says that every sales pitch and listing pitch should be well crafted and well designed. As the local commercial real estate agent, you will normally have two or three agents competing against you with the same property and with the same owner or landlord.

In such a competitive market you have two choices available in making the pitch for the listing:

  • You can offer discounts in your services to attract the interest of the property owner. The discounts would normally be in your commission or marketing costs.
  • You can offer special points of difference which you believe are unique to your marketing and promotion strategy, and that can achieve a positive result for the property owner as soon as possible.

In pitching for the property listing, the reality of the situation is that the owner of the property really wants to resolve their property pain as quickly as possible at the best possible rent or price. Discounts will not normally do this. In fact they can be counterproductive. Think about it; why would you discount marketing of the property if it is going to limit the exposure to the target audience?

Some agents will discount the commission they will charge within small margins, and that may be satisfactory in your business model. Significant commission discounts should however not normally be given as they will provide real limitation on the time that you can devote to the campaign and the promotion of the property. Invariably you see the agents that discount commissions not staying in the business for very long.

Now some property owners certainly do push you on the commission survey can get some reduction or discount. In their opinion the commission will not impact the marketing of the property. The choice you make here on this matter is up to you but it is recommended that only small commission discounts are given. To do business as a real estate agent today, operational costs and support staff expenses prohibit major commission discounting.

The best way to pitch your services to a property owner can incorporate strategies similar to these:

  1. Show the property owner that you really understand the target audience to tap into in selling or leasing the property.
  2. Provide examples of the best available marketing method and price or rental range that will suit the target audience.
  3. Give the client three alternatives of marketing that provides some discount but still taps into the target audience most effectively. Invariably you will find that the client will choose the middle level marketing campaign.
  4. Show the client how your office database of prospects will suit the marketing of a property, and how you will then implement the database marketing campaign.
  5. Show the client just how many potential prospects exist in your database now, that can inspect prior to any advertised marketing campaign commencing.
  6. Use third party evidence when it comes to property prices and marketing strategies. This will make your sales pitch a lot easier.
  7. The client will usually choose the agent with the most significant market awareness and product knowledge. Your sales pitch should incorporate these details and facts.

The agents that win the listings and business in today’s market are usually confident and connecting. They have the ability to show the client how they can shorten the property pain and improve the price or rental in the process. Design your sales pitch around these facts and then start to practice.

A sales pitch is not about discounts; it is about solving a problem. That should be your focus.

Low Interest Personal Loans – Unsecured?

Low-interest personal loans, also known as signature loans, can often be quite difficult to qualify for. Low-interest personal loans are granted to the borrower without the lender enjoying the benefit of collateral which is why they are often called unsecured loans. It is for this reason that borrowers will find that lenders’ guidelines for such loans are often significantly more stringent.

Since no collateral is offered, as opposed to a home equity or auto loans, the lender’s only recourse in the event of default is to file a lawsuit. While it is certainly within reason that the lender could be awarded some personal property or wage garnishment as a result of a lawsuit, this is generally not the case.

In jurisdictions where wage garnishments are permitted, they are generally reserved for cases involving child support payments. As lenders find themselves financially exposed with low-interest personal loans, they will often require that the borrower has a requisite level of financial stability and credit in order to consider granting them.

The underwriting guidelines as regards low-interest personal loans will vary from lending institution to lending institution. In the case where there is a pre-existing personal relationship between the lending institution and the potential borrower, the qualification criteria will often be quite a bit more lenient.

While this is often the case, the lending institution is certainly under no obligation to make any exceptions as regards their guidelines. The parameters that lending institutions will use in order to determine whether a borrower is qualified for a low-interest personal loan are solid financial assets, job longevity, good credit rating and a low debt to income ratio.

The size of the personal loan that most lending institutions are willing to offer are often limited, sometimes to as low as $5,000. While some may offer more, it is important to remember that low-interest personal loans are often quite difficult to receive approval for. In the case of a potential borrower with less than perfect credit, they will find that the opportunity for them to receive approval for a low-interest personal loan is limited to say the least.

The situation is necessarily as dire as one might believe for borrowers seeking a loan with less than perfect credit. There are countless finance companies that specialize in smaller loans for just such borrowers. While borrowers may succeed in obtaining a loan through these finance companies, they will find that the interest rates that they are offered are often as much as 10% above market interest rates and can be paid off over a one to two year period. It is highly recommended that borrowers do their due diligence as regards researching their available alternatives.

There is another option for borrowers with poor credit, cash advance loans. Cash advance loans are also know as fast cash and payday loans; they require no credit check and, as such, the borrowers credit history is of no consequence. Cash advance loans are high-risk and, subsequently, have high interest rates and are designed to help borrowers solve immediate cash-flow problems.

It is important to remember that there are financial institutions that are more flexible than others and more open to work with a borrowers of all credit ratings. In certain cases, borrowers with poor credit may find that they can obtain a loan for up to $20,000. Of course, unsecured personal loans are obtainable by almost everyone for virtually any situation.

While unsecured loans with low-interest are not easy to come by, there are alternatives available for borrowers with a less than stable financial standing. Again, with some research and by learning what is available, one should be able to find loan package that meets their needs.

Rhino Off-Road To Produce Rough Terrain Vehicle

The Rhino Outdoor International, Inc. (ROI), a leading outdoor activity based business, including Rhino Off-Road Industries, Inc., its entirely owned subsidiary, earlier announced that the company has formed a strategic alliance with the Arizona Emergency Products (AEP), a famous provider of emergency equipment to government agencies.

The alliance is aimed at designing and producing a specialized Rhino Off-Road Industries RTV to meet the unique needs of first response and search and rescue groups. The “Rapid Response” Rough Terrain Vehicle (RTV) is inspired by the innovative Rhino Off-Road Industries RTV design platform, which is now being produced for both the competitive and recreational off-road marketplace.

In producing the RTV, refinements were entertained to enhance the capabilities of the vehicle for the first response activities in rugged off-road terrains that are inaccessible at present to most vehicles. The main design considerations include increasing the wheelbase to accommodate extra passengers and equipment.

Other considerations include expanding the battery capacity so as to support communications and lighting, creating space to allow for emergency equipment accessories like tool boxes, winches, medical equipment and poly-tanks for fire retardants. These retardants can be refilled by a helicopter.

The AEP is known in the manufacture of vehicles for law enforcement, Homeland Security, fire departments and search and rescue organizations. “The Rhino Off-Road RTV is unlike any other vehicle now in use by the emergency response industry,” said Mike Chamberlain, the owner of Arizona Emergency Products. “It’s designed to go anywhere – and when outfitted to meet the needs of firefighters, police, border patrol, and others – it will allow for rapid response access to areas previously only accessible by horse, foot or helicopter.”

In the past couple of months, the AEP has field-tested the Rhino Off-Road RTV with its customers. This is done to get feedback from them. “Without exception, the response has been very positive”, continued Chamberlain, “everyone who has seen the RTV in action has requested a follow-up demonstration of the prototype and is interested in placing an order.”

ROI and AEP are sharing the cost of development for the prototype version of the RTV. The final design of the RTV is expected to be completed in a matter of 90 days. ROI will be the one to deliver the vehicle. AEP, on the other hand, will install the necessary accessories to meet the needs of emergency response groups. The vehicle will also be given a simple manual which could be likened to Nissan repair manuals.

“Mike Chamberlain and AEP have brought a tremendous amount of expertise to the design table,” said Howard Pearl, the CEO and the President of ROI. “We created the RTV to go just about anywhere. The fundamental design platform is ideal for first responders needing access to backcountry and off-road terrains.”

He added, “The strategic alliance with AEP allows us to learn directly from professionals in emergency response who use this vehicle in search and rescue and rapid response situations. ROI and AEP are creating a specialized RTV that will carry emergency personnel and equipment to and from the most remote locations. This is a fantastic application for the RTV and is a growing, untapped market. You can’t imagine how excited we are to be making a contribution in this important market space – this is the type of opportunity for growth we are constantly seeking.”

An Outline of Personal and Business Loan Categories and Their Uses

The number of loan products have increased over the past 20 years as economic necessity and a demanding public in need of specialization to solve financial circumstances. From personal loans, educational loans, business loans and even municipal loans to touch on a few required various industries to be creative. The entities that took part in the creation of the various financial products are actuaries, risk management professionals, “information and informatic engineers” and Wall Street amongst others. It was necessary to create, enhance or break down for better or for worse loan services and products to keep money fluid in a diverse marketplace that required funds to address niche demographics.

  • Personal Loans

Signature Loans – A signature loan is just as it sounds. One applies for a loan and gives a signature on a promissory note to repay the loan in a certain amount of time. That amount of time is called a “loan term ” and may be from six months to five years. Signature loans usually require good credit and the criteria for loan approval are mostly based on the borrower’s credit and and to a lesser degree on assets. Not all signature loans have the same parameters for qualifications. Some loans may require the borrower even with good credit to account for assets to show the lending institution for underwriting purposes. The institution may or may not place a lien on the assets but nevertheless wants to have documentation proving that there are indeed financial or physical assets owned by the borrower. Signature loans usually come with lower interest rates than other types of consumer loans like payday loans, credit card advances, title loans and some car loans. More on these topics later. Who are the lenders in signature loans? They range from large subsidiaries of auto manufacturers to banks, savings and loan institutions, finance companies and payday loan companies.

Credit Card Loans – Credit Card loans or cash advances from credit cards are another form of personal loans. These quick loans are more readily available to the general public and does not require a credit check. To obtain the initial card more than likely required a credit check or at least the process of identification for secured credit cards. Credit card loans or advances usually come with higher interest rates and also other fees for having access to the cash. Various entities allow access to the credit card cash advances from bank tellers, check cashing facilities and automated teller machines (ATMs). The fees vary based on source used to access the funds. To lower the fees for cash advances some use check cashing facilities to have the card charged and receive cash back in turn for not having to incur the fees of ATM machines as cards are assessed a fee twice; first by the ATM company and also their bank. The interest rates on credit card loans or advances are usually higher than signature loans. There are some states that have usury laws that have lower interest rates on credit cards. The loan or advance on a credit card is not a “term loan” as with most signature loans. It is more or less a line of credit the borrower has access to when they need it as long as there are funds available on the credit card. Interest on consumer loans are no longer tax deductible as in previous years. They were designed for short term borrowing needs but many have come to use their credit cards as a regular source of funds in tight economic times or between paychecks.

Wedding LoansA relatively new form of loan to carve out a niche for the lending industry and meet the needs of the increasing costs of weddings is the Wedding Loan. Because of the expense of weddings which can range into six figures, it sometimes requires a personal loan or even a business loan of the families involved to provide a proper wedding. Wedding loans can be secured (using assets for collateral) or unsecured (signature loans) to obtain funds for the ever growing need to pay for the escalating wedding costs and all the various services and products that a successful matrimonial ceremony would need. The credit criteria and the term may vary based on the amount needed and financial status of the people involved.

Payday or Cash Advance Loans is a fast growing market because it usually requires the least of credit criteria used for loan approvals. One can have bad credit for a quick and instant loan. Just having proof of income, proof of identity and a checking account is all that is necessary to secure funds. Even today many have checking accounts without checks one can still obtain a cash advance by asking their bank to produce a one time check to give to the payday loan agency. Many payday loan companies and stores can get approval with no faxing of documents as they utilize other means for proof of income. Although payday loans come with very high annualized interest rates they sometimes are the only source of emergency cash loans for those in need.

Automotive, Motorcylce, RV (recreational vehicle) and Boat Loans – These personal consumer loans are usually not signature only loans but asset based loans. In other words a financial lien is placed against the asset to secure a loan to purchase or refinance the car, boat et al. These consumer loans may sometimes require a down payment of five to twenty-five percent to secure enjoyment and use of ownership. Because these are not funds that are already available as with credit cards they come with a “loan term” from one to six years depending on the choices of the consumer, the marketplace and the credit status. The interest rates can range from very low usually offered by manufacturers of cars, motorcycles, RV’s (recreational vehicles) and boats to very high if the borrower uses a credit card, a finance company or a “buy here – pay here” lender – or the car dealer who finances the purchase of the car by giving the borrower a term of months and years to pay the balance of the loan off.

  • Business Loans

SBA (Small Business Administration) Loans are loans that are given to small businesses which are not able to qualify for a loan from a financial institution for various reasons from lack of business history, lack of collateral to “secure” the loan or not having an adequate credit history. The SBA is not a direct lender but acts as an underwriter on behalf of the bank that funds the loan for the business entity. If the borrower defaults on the loan the SBA will pay the bank a percentage of the balance for taking the financial risk to loan the funds to the business. There are various types of SBA loans which will not be covered in this article but a future article will explain in more detail.

Conventional Business Loans are loans that are either unsecured meaning no asset is used to approve the loan or secured and called “asset based loans” where assets from inventory, equipment, accounts receivable or real estate are used for underwriting for loan approval. Conventional business loans are given to business entities that have great banking relationships, established business credit history with trade lines with other businesses they do business with and good standing with various credit reporting entities like Dun & Bradstreet. There are short term loans with interest only payments with the balance due at the end of the loan usually referred to as a “Balloon Loan”. There are also longer term loans that are fully amortized (principal and interest in each payment) paid over one to five years or more.

Equipment Leasing is a financial instrument which technically is not a loan. Meaning based on tax ramifications and who owns the equipment – leasing is just that – leasing an asset owned by another entity. Leases are usually from large corporations or a bank. The lease term can vary from one to
five years or more and there usually are tax benefits to the business entity in leasing new or used equipment.

Equipment Sale Leaseback is a transaction to use equipment that is already owned by the business or municipal entity to secure funds for the present need for operations. The term can vary from one to five years and the amount of funds can vary based on credit history and a percentage of the fair market value of the equipment. The company then in turn leases the equipment back in usually a monthly payment. The company or the lessee normally has different choices on what they want to do with the equipment at the end of the term. They can roll the lease transaction into newer more updated equipment or software. They can buy the equipment for one dollar or ten percent of the fair market value of the equipment.More and more companies are leasing today as opposed to paying cash or using bank lines or loans.

Merchant Cash Advance is used by businesses that need fast cash and can’t qualify or don’t want to go through the process of getting bank approval for needed funds. A Merchant Cash Advance is also not a loan product but it is the selling of assets or credit card receipts at a discount. In other words the Merchant Cash Advance company buys the credit card receipts and then attaches a fee usually every time the business “batches”, settles or closes the day’s or week’s sales until the funds advanced are paid off. There is no term with merchant cash advances as it is not a loan so there is no set payment amount or period. The paying off of the advanced funds vary based on a the credit and debit card transactions of the day or week.

Factoring Accounts Receivable Invoices enables a business entity that normally has to wait 30 days or longer to be paid by other businesses or governmental entities. Again factoring is not technically a loan but a selling of invoices at a discount for cash now. In a typical transaction the company applies with a Factoring Company and the company looks primarily at the credit of the other business or governmental entity that the company is doing business with. Based on that as long as the client of the company is a solvent business or government agency the invoices are bought and funds are dispensed to the business usually within three days of due diligence on the company they are transacting business with. In other words the funds are dispensed after there is a credit check and processing of the other company. The dollar amount that is advanced can vary from fifty percent of the invoice to eighty or ninety percent depending on various factors such as the size of the invoice to the credit criteria of the other company or governmental entity whether it is a city, county, state or federal agency.

Medical Factoring is a financial transaction that benefits medical entities like hospitals, clinics and various health care professionals that have to wait to receive funds for services performed on patients. Like Factoring and Merchant Cash Advances Medical Factoring is the selling of assets in this case invoices for cash now. In many instances the health care industry receives payment from third party entities like insurance companies, Medicaid and Medicare and state entities that provide funds for those in need of medical procedures. The medical facility or professional in turns sells the invoice(s) on a on going basis or one time for cash now. Once there is an interest is selling the receivables then a Factor steps into analyze the billing so that funds can be advanced. This process can vary in length but is usually shorter in length than the process of getting bank financing.

Contract and Purchase Order Funding allows companies to bid on large projects for governmental agencies, hospitals, universities, prison systems and municipalities or also to sell to larger corporations even if the business does not have the credit or bank approval or the wherewithal to service or fulfill a large contract order. Similar to Factoring which works hand in hand with Purchase Order Funding it is not a loan but a simultaneous transaction that involves advancing funds based on the credit of the governmental agency or larger company and the size of the contract. The funds that are advanced are for the cost in completing the order of products or performing services. So the profit that will be gained is not advanced but the costs as in raw and finished material, transportation, production, labor, expertise and any other costs involved in completing the contract. Once the contract is completed or once an invoice is ready to be sent to the client a factoring company which is sometimes owned by the same company buys the invoice at a discount and the funds that would normally be advanced to the company are usually used to settle the amount advanced for the material and other services that were needed to complete the order. Contract and Purchase Order Funding usually requires large transaction amounts as opposed to factoring that can be utilized for invoices as small as one hundred dollars. With the use of Contract and Purchase Order Funding companies that were locked out of the process of bidding on large contract s may become players in multi-million dollar deals.

Commercial Real Estate Sale Leasebacks are similar to Equipment Sale Leasebacks featured in this article. Instead of utilizing owned equipment to secure cash when bank borrowing is not wanted or not available the commercial real estate is used to access funds now. This can vary from office buildings, medical buildings, retail franchises, industrial buildings and manufacturing to large utility plants. This frees up cash “locked” away in real estate. Many entities find that at the present time the business they are in whether it is retail, manufacturing or another field that the holding of commercial real estate is not in their best financial interest for now. They prefer to put to use funds for their industry. So a retailer selling retails goods decides to focus on the retail operations and to lease the space because that real estate when factored into a myriad of calculations does not fit their financial goals during the present time. Yes the ownership of commercial real estate is an asset and can be used as a security for a loan but may also be viewed as a fixed non-performing entity that does not meet the needs of the business, organization, group or individual that owns the building. Commercial Real Estate Sale Leasebacks are another form of getting access to funds and has increased over the years.