There are many times over the year when we feel stretched financially – whether it’s covering the cost of Christmas, or working out how to pay for that summer holiday.

A loan can help ease the burden of having to find a lump sum quickly. There are thousands of cheap loans to choose from, to suit a whole range of different requirements. Here, you can compare car loans, business loans, personal loans, unsecured and secured deals as well as consolidation and loans for those with a bad credit history.

We’ve taken a look at some of the reasons people borrow at different times of the year, and whether or not there are any clear patterns to indicate when our purse strings are at their most stretched.

Sophie Neary, product director at BeatThatQuote.com, says: “There are clear seasonal borrowing trends; debt consolidation after Christmas and home improvements in spring, but it’s the one-offs that are the most interesting as they really provide an insight into our relationship with credit – often as a way to change or enhance our lives with cosmetic surgery, a divorce or flying lessons!”

There are also differences between the sexes – women are more likely to take out a loan to help them fulfil their potential than men. Sophie says: “Extreme examples being a boob job or a house deposit, whereas men borrow for more practical reasons like funding a divorce or buying a cab.”LOAN CALENDAR

January, February, March

The three months after Christmas can be difficult – most of us have splashed out too much over the festive period and now we’re left counting the cost. Hardly surprising then, that the most common reason for taking out a loan during these three months is to consolidate Christmas debts.

Sadly, it’s often a time when couples split up, so the other major reason people take out loans at this time is to cover the cost of divorce.

Some people decide that this is the time of year for a lifestyle change, and so take out a loan for laser surgery, boob jobs or tummy tucks. Other reasons given for taking out a loan now include buying a violin, joining a gold club, buying a caravan or converting the loft.

Let’s not forget that many people find themselves with a nasty tax bill in January, so a loan can be invaluable if you don’t have a lump sum to hand to clear this debt.April, May, June

Once those New Year debts are dealt with and spring has finally arrived, many people choose to take out a car loan to pay for that new set of wheels. Make sure you compare plenty of different deals so that you end up with the right one for you.

Other reasons people gave as to why they take out loans at this time of year are to pay off poker losses, or for weight loss surgery.July, August, September

Maybe it’s because these are the summer months and we feel a bit self-conscious on the beach, but during this period more than any other, people take out loans to cover the cost of cosmetic surgery.

It’s also a popular time to make lifestyle changes such as a house move, when a loan can be invaluable for that house deposit, or to update your existing property by building a conservatory, or putting in double glazing.October, November, December

If you’re planning a big family Christmas, then a loan can be the easiest way to pay for everything. Often this can be the time people splash out on household items such as a new sofa or bed to ensure that the relatives are entertained in style.

Other reasons given as a reason to take out loans are to pay for catalogue shopping bills or to buy some vintage wines. Philip Smith writes for Beat That Quote, covering many financial topics including loans and mortgages. Visit Beat That Quote for more information.Free WP Plugins

Once upon a time in America, you could start a small business on a shoe string. A modest street vendor could build their business into a merchandise empire. If you do not believe me, look into the history of Texas Billionaire Ross Perot. Somewhere along the way, people with small start up business ideas were convinced that in order for them to get their business ideas off the ground, they would need to borrow money. People with small business ideas were convinced that there was no way a person could start and maintain a small business without first taking out a Small Business Loan. Even today, with the so-called Banking crisis and Banks tightening up on small Businesses loans, there is still a better way for the small entrepreneur to get their business ideas launched. There is actually no reason why a person with a good idea cannot start small and build their business one customer at at time; especially with the Internet and the simplicity of building a website. The advantage to financing your business venture for yourself is that you will actually own your business and you are not starting your business with a huge debt. The second thing to consider when borrowing money for a business is that when you have investors, you do not own the business and therefore, you do not have full control of every decision made for the direction of the business. You must always take the investors into consideration before making decisions that will effect the bottom line of the business. “He who pays the piper, calls the tune.” Many successful businesses started out of someone’s home or Garage. Businesses like Microsoft and Apple are perfect examples. While it is true that these mega corporations quickly went public, they started with a simple idea and that is really all it takes… a good idea and the desire to have your own business, oh yea and the willingness to put in the work. The fact is that many businesses start out as hobbies or small weekend projects. Then, the next thing you know, there is more of a demand than you were expecting and before you know it, you are applying for a business license and registering your business name. One of the biggest mistakes a lot of men and women make is they get impatient. Everyone wants to start out as big as Bill Gates is now and that is not realistic. Plus one of the joys of owning a business that you have built from the ground up is remembering what you started with. You will get a lot joy from knowing that you built your business from the ground up and that you did it all without going into debt. Carl Turner
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This digital document is an article from Los Angeles Business Journal, published by Thomson Gale on August 15, 2005. The length of the article is 780 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.Citation DetailsTitle: Women’s business formation.(Small Business Administration gives loans)Publication: (more…)

The word Loan does not need any specific definition nowadays. Yet the meaning of Business Loan at this juncture could well be defined as money borrowed for the specific period of time at the agreed rate of interest by the particular person who operates some business or projects to start some business. The terms of repayments of such loans are also required to be mutually agreed upon in the official format. The definition of Business Loan is very broad and there are different kinds of such loans available to the general business people across the world. The basic factor considered while approving such loans is the viability or the feasibility of the business and actual profitability involved in the business for which the loan is sought. If the applicant borrower is new at his business, or has little experience or skill about his projected business, this may force the lender to think thoroughly before extending any lending or business loans.

It is therefore rather advisable for such new business persons to establish enough business creditability in the market and then approach for any business loans. Business credit may definitely help him getting business loans to great extent. Establishing business credit could easily be done by:

• Initiating or opting for the business credit card account and settle it in full from time to time creating good records

• Procure all the equipments and required supplies mainly from the companies that would report good and favorable standing to the business credit bureaus

• Have really good business plan and poise genuine earning potentials, letter of intent besides any types of customer contracts already laid out successfully

All such attempts could help strengthening the business person’s business credit records and ease the loan application sanctions without many hurdles. Most of time, the lenders or the financing institutions, demand extensive business plans be prepared. One should be prepared to spend a long time fulfilling the necessary certification paper work before applying for the business loan. The business loan is always permitted on the business status as well as based on the personal credit history of the applicant. Hence the business projection must satisfy the lending institution about the profitability and security of the amount to be lent, besides the borrower’s ability of timely repaying the borrowed amount. Different states have different policies for the business loans so it is rather advisable to evaluate the probabilities before applying. Even your local bankers may extend you the desired business loan as they do monitor your company’s growth, turnover and profitability. Try to utilize the most the of loan amount on the projected business to ultimately avoid unnecessary burden on your profitability.

There are different types of business loans available which include the options like secured loans against collateral, non-secured loans based exclusively on the credit worthiness of the applicant, as well as the government loans especially for the small business enterprises, women and minorities. The government loans are usually secured type of loans that are given to the business owner who can prove that the community in general will be benefited by the business project. In most of the government loans, the lending is based on the personal creditability of the applicant.

Some of the commonly and easily available business loans include:

• Loan for acquiring the already existing lucrative and prosperous business expansion

• Loans for Inventory

• Loans for Account Receivable

• The loans as working capital for converting the company’s assets into working capital

• For leasing of equipment

• Loans for the commercial properties

• Loans to finance warehouse facilities

• Loans for running international export – import business

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Business, once the exclusive domain of men, has seen many women business owners coming onto the scene in recent years. Between 1992 and 1997 the growth of women-owned businesses was nearly three times the percentage of the increase of all other business enterprises. In 1997, the number of women-owned firms stood at a figure of 5.4 million. In another ten years when people are analyzing the first decade of the twenty-first century, this figure will most likely have grown. Why Loans Are Needed
Home-based businesses run by women continue to increase, since many women prefer the convenience of looking after their children and homes in addition to running a business. Loans for running such businesses are essential as essential for women as for men. Many women have also proven they are adept at buying existing businesses and running them successfully. This necessitates loans for a variety of purposes, including buying and running a business, expansions, buying special equipment, maintaining sufficient inventory, and maintaining retail trade. How Small Business Administration Helps
If women are unsuccessful in obtaining loans from conventional sources, the US Small Business Administration (SBA) guarantees small business loans on reasonable and convenient terms to women entrepreneurs. These loans can be used for any of the purposes mentioned above. If a lending institution does not feel confident about granting a small business loan to a particular applicant, the applicant can approach SBA for a loan guarantee, which means that if the loan recipient falters in repaying the loan the SBA will reimburse the lender. The Criteria For Getting An SBA Loan Guarantee
Provide historical financial statements and projections to prove that the business can repay the loan. The ability to incur more debt should be exhibited. Some form of collateral should be provided, although it need not cover the full extent of the loan. A good personal credit report is essential and if it is tainted, there should be enough evidence that determined efforts were made to rectify the problem. The small business and its owner should fulfill all their tax obligations. There must be no attempt to get any loan from other sources at the same time. The loan request must demonstrate that the loan could not be obtained elsewhere and that the loan will benefit the business substantially. The business owners must prove that their personal resources are not adequate to cover the loan amount needed. The tremendous growth of female owned firms is evident from the 1997 Economic Census, which stated that such firms constituted 26% of the nation’s 20.8 million non-farm businesses and employed 7% of the 103 million workers. The growth rate has increased considerably since then and it is expected to go up even further over the years to come. Keeping in view the high economic and employment potential, it is apparent that business loans for female small business owners are a necessity. Additional Help
There is software that can help in the starting and the running of a business. This software is reasonably priced for small business owners and much of it is geared toward the operations of small business.

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This digital document is an article from Arkansas Business, published by Journal Publishing, Inc. on October 2, 2000. The length of the article is 1772 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.Citation DetailsTitle: Bad Loans to Woman Haunt Bank.Author: Don ChaneyPublication: Arkansas Business ( (more…)

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This digital document is an article from Los Angeles Business Journal, published by Thomson Gale on August 15, 2005. The length of the article is 780 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.Citation DetailsTitle: Women’s business formation.(Small Business Administration gives loans)Publication: (more…)