>Financing With Business Credit Cards
Posted by nick_niesen on October 29th Cam Newton Hat , 2010


You've heard the saying, "You've got to spend money to make money!" This couldn't be more true, especially in business. If you want to grow your business, you're going to need a source of funds and access to cash flow - particularly when things are moving slowly.


At one time Christian McCaffrey Hat , owners of businesses had to get business credit against the things that they owned personally and based on their personal credit score. This is a major liability because if your business doesn't make it, you could lose your personal assets, too! Thankfully, there are now ways to obtain business credit that is not just an extension of what you owe personally.


If you set the business up as an official entity- separate from yourself Jordan Scarlett Hat , you can apply for various business funding, including loans or credit cards. When a business is just starting out, it hasn't had the opportunity to establish it's own credit rating yet and so lenders will have to use your personal credit report to determine the level of risk in lending to a business you own. What happens if your personal credit score is not-so-good?


You can take some steps to increase your chances of getting a business credit card (or some other form of business funding) by doing the following:


Take steps to increase your personal score. Before you go any further looking for business credit cards or other sources of funding, do you know what your score is? Is your credit score below 640? If it is Christian Miller Hat , it is recommended that you attempt to increase the score first. Often, making all of your payments on time for 3 consecutive months will pull your score up 2 to 4 points. Check with a financial advisor for some ways of increasing your credit score as it will only serve to help you personally as well as in business.


Create an LLC or Corporation. This type of business structure automatically means the business is separate, and not just an extension of you. If you are operating a business under your name, and have not filed any official paperwork with the government or with lawyers and accountants- your business finances are no different than your personal finances.


Have a physical address. Believe it or not Will Grier Hat , using a PO Box can hinder your ability to get a business credit card or loan! If you operate out of your home, you might consider getting a business mailbox from Mailboxes Etc, or UPS, as both offer a physical mailing address rather than a PO Box. Having a business phone line also will increase the way the business is looked at by lenders Greg Little Hat , and ensures the business is reachable.


If you are still unable to obtain business credit cards or financing on your first try, perhaps you know someone with a strong credit rating who would be willing to co-sign an application for you. You may not be able to have a business application for credit co-signed, but you can as an individual. Get a credit card in your name and then use it only for the business. Be sure to make the payments on time, and keep the balance manageable. Over time Brian Burns Hat , you'll build up your personal credit score, which is seen as a boost for the business validity- and eventually you'll be able to obtain funding and credit cards under the business name.


Getting business credit cards and financing is a necessity that all businesses will face from time to time. There is a need for cash flow in order to grow and increase the business. With some careful planning and preparation, most businesses will be approved for a business credit card even if the owner has personal credit that is slightly less-than-perfect.


Congratulations on the new addition to your family! The first thing you want to do with your new pet is to take him or her to the veterinarian. Always have a new pet checked out by a vet in the first few days after getting them. You want to make sure they are healthy and also get them started on preventative medicine right away. Make sure that they are started on there kitten vaccinations, they will need 2-3 vaccinations as kittens depending on there age and the recommendations of your veterinarian. Also make sure you have them test for intestinal parasites and have them dewormed as a precaution. Intestinal parasites can be very dangerous for the growing kitten and can also be transmitted to humans. The second thing you want to do is get them started on a high quality diet Devin Funchess Hoodie , there are many types of foods on the market today, discuss the best type and brand with your veterinarian. Your kitten will need to be started on flea and heartworm prevention, these preventions can also be started with your veterinarian.


Your kitten may already be started on litter box training and very familiar with using the litter box. This behavior often comes naturally for kittens and cats. So all you need to do is make sure they are aware of where the litter box is located. When you bring them home put them in the litter box so they can walk around and smell it and remember its location. In the first two days you have them make sure you occasionally take them and place them in the litter box so they become familiar with its location.


Scratching objects is a very common behavior in kittens and adult cats. Start them off young with a scratching post. Rub cat nip on the scratching post so they are aware that this a good place to scratch. If you catch your cat in the act of scratching the walls or your furniture discipline them. If you have not caught the kitten in the act but have found evidence of scratching on the furniture rub something that would taste bitter to the pet on the area they had been scratching once they get this taste on there paws and lick at it the bitter taste will deter them from scratching there again. You can either use something from you kitchen that tastes bitter or purchase a bitter apple spray from your local pet store.


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