Showing posts with label Financial Services. Show all posts
Showing posts with label Financial Services. Show all posts

Business Funding and Loans

Financiers available for suitable business in India
Private Finance & Business Loans

Self Funding Internet Business

SEO is the short form of, 'search engine optimisation,'. Search engine optimisation, as you might well be able to guess from its name, it's all about optimising your website for the purpose of making it rank better within the search engines. But the question is, why do businesses in particular even bother with it?

Anyone who has looked into SEO has probably heard the term 'spiders,' or 'crawlers,' which are essentially the bots that search engines send to scour the web. The information these bots retrieve makes up the search results within the search engines. By carrying out on page optimisation on your website, you make changes that assist these bots to know exactly what your website is relevant for.

We love the Internet. Over recent years the number of people using it to make purchases or enquire about potential purchases has risen rapidly. We can buy anything online from car insurance, to food and clothing!

In fact, in 2009 just in the UK, consumers amassed a total online shopping spend of 38 billion, predicted by Forrester Research to rise to 56 billion by 2014. That's a huge online spend, especially when you consider the fact that the UK was in the grip of a recession from which it did not officially emerge until the end of the year.

More and more businesses are switching on to the fact that simply having a website is really not enough unless people can actually find it. And as Internet users globally have something of a love affair with Google and the other major search engines, ranking well within them is a key way of generating website traffic from consumers searching for your products and services.

Drop Shipping Services

Dropshipping is one of the most risk free way to sell items on the internet and other mail order retail outlets. You advertise a product on your own internet store, mall or auction site like ebay. A customer sees it and buys the item. You turn around and go to a drop shipper like and order the item, at a cost significantly lower than you just sold it. You provide idropshipper with your customers address and Idropshipper ships the product to your customer without any indication where the product came from.
You only buy what you have already sold. Once you have sold a product you forward your orders directly to us via your very own members accounts and we ship the product directly to your buyer. You make the money on the difference between your selling price and your actual cost for the product.
With dropshipping you have no inventory, no packaging, no trips to the Post Office, and no paperwork! Why pay to have a product shipped to yourself to only have to turn and around and repackage it to ship to your customer and pay double shipping charges, it just doesn't make sense.
A lot of people are doing this on a daily basis and with variety of products that we provide our members.
WHOLESALE: You may also purchase our product at wholesale prices and sell directly through your own store to the public.We offer extra discounts for whole sale purchases.

Drop Shipping

  • Unlike other so called drop shippers, we are not your competitors, we are your partner. We make sales, when you make sales.
  • Our Prices. We understand that the more competive advantage you have over other sellers, the more we will sell. The more you sell, the more we sell. So it is no suprise that we sell it to you less than any other drop shipper.Take a look at our product page and compare with others, and you will understand.
  • No Minimum Others. You may buy wholesale or you may buy single item. Either way, we will ship it for you to your customers.
  • Your Customers are your customers. Your customers do not know anything about us. We ship your products withour any information that will identify us. And your customers will contact you, not us.

BOE and Promissory Note

Bill Of Exchange and Promissory Notes
Complete details available with comparison factors. Read for more details and all information mentioned below.


English: Bank and Royal Exchange c1974. View o...
Bank and Royal Exchange c1974. View of Royal Exchange about 1974. Note NatWest Tower under construction in the background. (Photo credit: Wikipedia)

A bill  of exchange differs from a promissory note on the following points:
PromissoryNoteBill of Exchange
  • It is promise to pay
  • It is an order to pay
  • There are only two parties the drawer, and the payee.
  • There are three parties, the drawer, the drawee, and the payee.
  • There is no necessity of acceptance
  • It must be accepted
  • The maker is primarily liable
  • The drawer is not primarily liable.
  • It is never drawn in sets
  • Foreign bills are specially drawn in sets.
  • Protesting is not necessary after dishonour
  • A foreignbill must be protested upon dishonor.

Read more at  Account Management


Usance LC | Discounting Facility

Usance LC Discounting facility

Usance Letter of Credit  [Usance LC] and possibilities for Discounting

Letter of credit is the most common method of payment in business and into commonly practice by seller and buyers.

Most of the Buyers are interested in opening USANCE LETTER OF CREDIT (Usance LC). Let’s first understand the Usance Letter of Credit.

Letter of Credit Discounting

USANCE LETTER OF CREDIT which is also known as Usance LC in short is letter of credit issued by purchaser or buyer to the seller or supplier who will get the draft for say 180 days sight, but after negotiating with bankers can get the money at sight. On the other hand the purchaser / Buyer or importer who had opened the Usance LC will pay his bankers after 180 days.

If simple ordinary language, the Usance LC receiver can negotiate and discount the Usance LC against the negotiable documents like invoices / BL / quality of certificate as mentioned in the contract under the clause ‘Documents required for Payment’. The Usance LC receiver’s bank will, after getting the confirmation from the Usance LC issuing bank will release the payment to the Usance LC receiver and thus the Usance LC receiver will get the payment at sight; off course the payment will attract interest as per the banks standard terms.

The terms “Usance” means the tenor for which the Letter of Credit is issued and the Bill of Exchange to be drawn by the beneficiary on and duly accepted by the name drawee. The payment will be made at sight when the Usance LC clearly indicates that the Usance bills drawn are to be negotiated at sight.

The Usance LC with above terms can be discounted and the exporter / supplier / seller can get the payment at sight.

SBLC | Funding and Loan against Stand By Letter of Credits

SBLC, stand by letter of credit, Letter of credit, Discounting SBLC, loan against SBLC,

Funds against Stand By Letter Of Credit | SBLC

Loan and finance available against Stand by Letter of Credit for working and pre shipment

Funds can be generated by beneficiary against Stand By Letter of credit. These funds can be availed from advising banks or third party, to utilize for pre-shipment procedure. Most of the beneficiary always requires funds to complete the contract against which the SBLC is issued to them. For this, borrower can contact their banks or private finance institute and get their loan sanctioned against the SBLC. The Stand by letter of credit should be issued through proper channel. Financial institutes and banks are interested in clean SBLC with proper documentation, and helps the beneficiary or the borrower.

SBLC issued from prime banks are most honoured and borrower get funding easily.Due Diligence is always required for raising funds against SBLC

Business Loans | Banks and Non Bank Financial Companies

Bill Discounting Facility | Finance and Funding

Bill Discounting Facility

Bill Discounting Services, facility, banking, private funding, NRI funds, Trade finance

Bill Discounting is generating funds / finance against the invoices / bills by third party after deduction of discounting charges as mutually accepted by both parties

Bill Discounting comes as a great support for exporters, traders and merchants. Discounting is available through major public and private sector banks as well as private financial institutions. Both Purchase and Sales bill can be discounted as per requirement. This type financing / lending helps the borrower with working capital finance for their trade activities.

The Facility for Discounting of bills is available for all legal and lawful business carried under proper business terms. The bills which can be discounted are, bills backed with letter of credit, invoice discounting, drawee bills discounting & clean bill discounting.
Some private and public sector banks including private financial institutions offers bill discounting facility upto 90 to 180 days. The bills backed with domestic letter of credits are discounted with simplified procedure.

On the other hand banks or private financial institutes may can ask for acceptance of the bills by the party, before discounting them. Some banks deals and private institution discount only trade bills.

Funding For New Business | Start Ups

Finance Services for Business
Business Loans, Private Finance, Project Funding, Financiers, NRI Funds

With the proven track records, some private institution feels comfortable in lending to new start ups. Since these private lenders are partnered with best investing companies or individuals, they successfully operates the entire procedures for financing the newly start ups.

The private financiers always comes up with flexible terms which helps the borrowers to easily start up their ventures. Once the private financiers supports the new venture, in the later stage some old players may also show interest to either fund you directly or join your team.

The investment banks in private sectors also plays a major role in funding. They are very much interested in funding the right venture and should prove the in long run.

New ventures seeking working capital firstly come up with proper projection of their business. Lenders always checks whether there is demand and requirement of such business in market. Once its proved, the second important point is how much time the business going to require funding from outer source, when it will handle its own funding and when the business going to start making profit. The operators of the business or ventures also should prove themselves as qualified for certain program which will help them to manage the business / venture .

Loans for business are available from various private sectors financiers, private lenders and even Banks also support. 

The start up business should prove its presence in the market and there should be real need of such venture. This will make the venture / business more attractive to the banks, private financers and even the individual investors.

Small Business | Bank as Lender

Loans (Photo credit: zingbot)

Private and Bank Business Loans

Lenders play important role when it comes to funding business. Today the business running in large scale can get funded easily where as the business like start-ups and small scale faces banks unwillingness to finance them or organize any business loan. To cover their finance needs, most of the startup business search for private lender, but for a business to maintain and operate smoothly, both the banker and private funds are required. Most of the bank and non bank lenders are not interested to provide loan without any collateral security and once this demand is met, they require the past experience of the business promoters as well as proper projection of repayments. In the event, if you don’t have proper background, then also there is very less chances of getting the business funded up.


Today Government supports every individual to start their own business and special grants along with easy funding schemes are also introduced. The micro loans scheme is for those with proper projection of your business along with your experience in  the field. Short term loans are also issued by several Governments undertaking Banks to meet the funding requirement by new start ups. The bank as lender can prove to be angel and proper guidance can help the business to prosper. With all documents in place, the business loan approval time is also swift.

If the borrowed loan repayments are on time, the chances to get more support from the bank increases.

Top Performing Mutual Funds | India


Mutual Funds in Year 2013

Reliance Mutual Fund
Reliance Mutual Fund (Photo credit: Wikipedia)
Today, debt mutual funds are the best performing mutual funds. The debt mutual funds primarily invest in debentures, bonds, fixed incomes, securities etc for either long term, short term or medium term. The debt funds are low risk funds with higher returns in comparisons to fixed deposits in banks.
Debt funds are easy to liquidate and come with flexible investment terms and withdrawal facility. Investing in debt mutual funds proves to be good investment when interest rates are falling.

Investors who are plans to get returns above bank interest rates and face low market risk can invest in these debt mutual funds. For better returns, invest in debt mutual funds for a period between 3 to 5 years.

Always note that all mutual funds are unstable and are directly exposed to market risk. Also save yourselves from the miss-selling from agents or brokers. Before investing, check the past performance of the mutual fund. If you don’t feel comfortable, study more, and invest only when you are clear and comfortable. The mutual funds schemes don’t provide any guarantee for objective provided in the mutual fund schemes.

Once you become mutual fund savvy investor, you will feel comfortable and easy to invest and will reap the effective and safe returns from mutual funds.
In year 2013 it is expected that in debt mutual fund category Birla Sun Life Medium Term, Franklin Templeton India Income Builder Plan A and Religare Active Income Plan A will be the best performer.

Among the balanced mutual funds, HDFC Balanced, HDFC Prudence, Reliance Regular Saving Balance and Birla Sun Life will be the best performer.

In this blog above all details are provided in good faith but without guarantee. Readers should take advice of their own or experts before investing.

Funding for New Business | Limitation and Functions


How to get Business Loans 

Functions and Limitations of Incubators and Accelerators 

Indian entrepreneurship has to struggle a lot before it could start comparing itself with Silicon Valley. There are several loopholes which can be identified step by step.

The operations of the incubators usually are in three capacities.
Balconies of West Blok of Amanora Town Centre,...
Balconies of West Blok of Amanora Town Centre, Hadapsar, Pune 411 028 (Photo credit: Ravi Karandeekar)
First one supports the academic institutions by mentoring enterprising students and their newly developed promising projects. Second one supports the starts of infrastructural and the third one the accelerator, which structures a stipulated period in return for the equity.
 These incubators and accelerators always make sure that the right kind of support and mentor reaches the bright entrepreneurs and these are the challenges the incubators and accelerators face.
By differentiating between incubators and accelerators, the solution to such challenges can be found. The actual functions and limitations of incubators and accelerators should be defined to make it clearer.
Incubators supports start ups and are more patient where as the accelerators impatient and supports for fledgling companies.

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