You have a brilliant idea for a business, you have the manpower to begin but now how do you go about getting the funding to sustain the business till it is bringing in revenue. That is where unsecured business loans come into play. An unsecured business loan will be available to you to draw on for the needs of the business as it flourishes like an open loan agreement up to a point. Often times this type of loan is good for the start up cost involved in opening a new business such as; equipment, expansion or modifications of the existing office and advertising needs.

Going about acquiring an unsecured business loan is much like any other type of loan agreement. The major difference is that you are now required to put up any collateral to secure the advance. The great thing about this type of loan is that you are only accessed interest on the amount of the loan that is used. So even if the loan is for twenty five thousand dollars if you only use five thousand, interest will only occur on five thousand.

In order to receive an unsecured loan many lenders will look into your business plan and the credit history of the business. Of course, this is an issue if the business is brand new. Lenders want to ensure that they will be able to recoup the lent funds. It is imperative that your businesses credit score get established. In order to do this you will need to make sure the outstanding payments the business does have are paid on time and in full.

Establishing a good business credit score can be done by taking out small loans with multiple lenders that report to the SBFE. You can also establish a business credit history by using business credit cards and with your vendors and the lines of credit they establish for you. Just be consistent with your payments and you will find yourself well on your way to establishing a credit history worthy of an unsecured business loan.

It takes time to get a small business, or any business for that matter off the ground. With some strategic planning and a lot of hard work and a bit of luck you will be well on your way to establishing your dream. Remember when starting out when you take off don't let it go to your head. Getting too big for your britches does not make you successful in business. Work at a steady consistent pace to receive the rewards which you are working towards.


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My journey to repair my credit report began with a surprise– I discovered that credit scores are taken from two sources and they are not equal.

The first source is the obvious and that is the traditional credit cards –visa, MasterCard, American Express etc. I thought this is where the main assessment on my credit rating would be made.

However I had not taken into account the credit area of Store Cards such as Wal-Mart in the US and Harrods in the UK and a Myer in Australia. These store cards can do more damage to a credit rating than the traditional credit cards and if ignored the efforts to repair my credit report would be seriously affected. I had indulgently extended myself in this area and now was suffering unexpected consequences.

When I got access to my credit report it surprised me to see how badly I had been rated and for the first time I began to question some of the conclusions on the report. I learned to dispute items and entries that were unfair and even unjust and this was another stage in the journey to repair my credit report.

I discovered that over seventy percent of credit reports contain errors. So I became pro active and even hired a professional credit card service to work on my behalf. While this added costs to my journey and I wanted to retain affordable credit repair it was still worth it to get some of the unfair statements removed from the report. So don’t be the victim you can challenge a report.

Now the acid test about your serious intent to get credit repair is how you handle existing credit cards.If you avoid using cards with outstanding balances. These balances, if extended, gives an immediate signal to the reporting agency and your rating will automatically get worse as a response.

If it is possible you should transfer all the existing balances to another card which has a lower interest rate which then, as a consequence, means that you now have lower monthly repays. When you do this a positive message is transmitted through the system and can even expect a better rating from this one single effort.

While we all want instant credit repair the reality is you are on a journey and while this journey will not be instant it can speeded up by doing the basics. Basics such as committing yourself to on time payments. Charting your expenses by keeping records for very transaction over a few dollars. Using all the free credit repair report help you can find and also using credit repair agencies to give you that extra mileage.

Your personal health can be adversely affected by overhanging debt threat and credit refusal. To efficiently do a credit history repair you need to push all the buttons and while the initial effort may be painful I have discovered that the final result for credit card repair has given me a boost in my mental and physical health.

Copyright 2009 Leonard Greenhall

Get a fast credit report repair today and fix your bad credit problem using both free credit repair service and credit repair lawyers Leonard Greenhall. http://www.credit-fix-repairs.com
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HOME::Travel and Leisure:Outdoors

The Best Day of Your Entire Vacation in St Maarten

St. Maarten Deep Sea Fishing and Beach Excursion.

The Best Day of Your Entire Vacation

I recently had the BEST time spending part of the day with Captain Lance off the coast of St. Martin. My husband and I decided to forgo spending a day lazying around the beaches and instead opted for a day spent deep sea fishing with Captain Lance. WHAT A FANTASTIC TIME!!!!! We met Captain Lance early Saturday morning and stepped on board his beautiful boat. We were happily greeted by his awesome first mate Bebe. Bebe is the best first mate EVER and spent the entire day making sure all our needs were met. She is a fantastic fisherman and really knows her stuff! We were soon on our way and let me tell you-the scenery can not be beat! In addition to the excitement of deep sea fishing, you get the beauty of the surrounding islands and coastlines. St. Martin is even prettier when viewing it from the water! The surrounding islands make for postcard perfect pictures. Here is a picture of us leaving St. Martin, ready for our day of adventure:

We headed out to the Puerto Rican Trench which is home to the deepest point in the Atlantic Ocean and filled with BIG GAME FISH! Some people refer to the Trench as Blue Marlin Alley. It is a short 20 minute boat ride out to the trench so you are fishing in no time. Bebe does a great job baiting all the hooks and checking the lines. She is constantly on watch and she and Captain Lance remain constantly vigilant in their search for the big fish. During our day we had a lot of strikes and had a big marlin's attention for the better part of an hour. It was really exciting. We had cold drinks provided by Captain Lance to help keep us hydrated during our expedition. We were already immensely enjoying our day when the long awaited sound "zzzzzzzzzzzzzzzzzzzzzzipppppp" filled the air as a big fish took the bait for good this time. It was beyond exhilarating to see our big catch way out on the ocean running with the line. It was a big one and the enthusiasm took over the entire boat. Everyone was cheering. I spent the next 30 minutes reeling in my PRIZE fish. Bebe was a great assistant and Captain Lance was right there to make sure my fish made it safely aboard. They were so patient and really were helpful in landing my BIG prize of the day. I have to say-there are lots of ways to spend a vacation day-but I guarantee no beach day could ever compare to the sheer excitement you will feel when you start reeling in your gigantic catch. Your heart starts racing and you just can't wait to get that big fish on board. No picture of a beach day can ever compare to the picture you will bring home of you and your big trophy fish! They are the kind of pictures that make people look twice. They are the kind of pictures that make people say "WHOA!!!!" They are the kind of pictures that should be blown up and framed and displayed for all to see. It is a picture of a lifetime. How many days in your life can you bring home a photo that amazing!!?! At the end of the day not only did you get the fantastic views of the islands-but memories that will last a lifetime.

Lance Mourillon http://www.stmaartendeepseafishing.com
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