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Business Line Of Credit: What Is It And How Can You Get One

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A line of credit is a reliable source of funds small and medium-sized businesses can use to keep their cash flow steady. Using a business line of credit rather than a personal line of credit can save business owners a lot of trouble in the long run. Here is how you secure a business line of credit. Image source: british-business-bank.co.uk A business line of credit is different from a personal line because it allows a user to draw against a predetermined credit limit instead of getting the full amount at one time much like that of a term loan. Users also only pay interest on the funds they draw out and nothing more.  Business lines of credit is offered by national banks or credit unions. Do expect high levels of qualification when applying for one. Banks usually require specific collateral while online providers can be more flexible.  Creditors will need that the business where the line of credit will be used has been operating for over a year. You ...
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An Introduction To Business Credit Policies

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It’s normal for potential customers to inquire about credit options when purchasing.  After all, credit is one of the most popular modes of payment.  It’s easy and convenient, and allows consumers to buy pricey items in the absence of cash.  And best of all, payment can be made over a period of time. The only drawback is people tend to spend more when using credit.  And oftentimes, they pay late, which represents losses for businesses.  This is why there is such a thing as a credit policy. Image source: expertbusinessadvice.com A credit policy balances out this system.  It allows consumers to buy things they otherwise would not afford at the moment, while making sure the credit granted is within the consumers’ ability to pay.  This is why companies have strict standards when it comes to credit standing, and meticulous processes in identifying people who have good credit health. A good credit policy is also fair with its limit on credit, ...
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Ways To Ensure That Your Personal Information Is Secure

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Image source: thesmallbusinesssite.co.za For many, personal information is the gateway to finances, medical records, and credit scores. The privacy of these personal information has never been as important as it is today, with most transactions going digital and thus increasing the chances of getting your account hacked, and your money hijacked. Here are some tips on keeping such crucial information secure. One is to protect all your devices with passwords. Along with this is not settling for easy to decipher word or number combinations like your own or another family member’s birthdate. Secondly, be suspicious of any free download offers, as clicking on these could activate a virus or any other malicious software that can get your files erased or shared by hackers. When buying apps for your smartphone or PC, get them only from trusted app stores like Apple Store or Google Play. Never trust third-party sources. Also, there are many similarly named (or clone) sof...
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