Working with a bank to obtain a small business loan can be an easy or difficult process, depending on how prepared you are to meet with the lender and discuss your business’ situation and needs.One of the leading causes of business failure is insufficient start-up capital. Ironically, though, lenders rarely approve loan requests for the businesses that have the highest need for a small business loan. Instead, lenders tend to prefer to offer small business loans to those businesses that have been in operation for two or more years.According to All Business, it is estimated that 95 percent of all entrepreneurs opened their businesses with capital from their own pockets, or from money they borrowed from relatives, friends, or another person in their community. Lenders want to see business owners risk their own funds in the business venture, and often require that the business owner or owners provide a minimum of 25 percent of the capital needed to start a business, and at least that much equity in the business if the business is already in existence. Simply stated, lenders aren’t as willing to take a risk when a business owner doesn’t even risk their own money in the investment. Businesses with a history demonstrating success in paying their bills for two and a half to three years will have the easiest time obtaining a small business loan because they’ve proven their ability to meet financial obligations.Preparing a Small Business Loan ProposalWhen preparing to apply for a small business loan, be prepared to face the facts that are against you, and use them in your favor. Persistency is necessary if you want to land a small business loan. Lenders follow certain criteria to determine if the small business loan is a wise investment for the bank. Most importantly, the bank will determine if the small business loan is likely to be repaid. As with other businesses, banks and other lenders must answer to their investors and stockholders, and unpaid loans show instability in the bank or financial institution.Items compiled into a small business loan request include the following:- Amount of money requested- Likeliness of business profitability and demonstration of cash flow needed to service a small business loan- Collateral, if any is owned by the business- A reasonable balance between debt and equityKnow Your BankerWhether you have a start-up small business or an established small business, the first step in obtaining financing through a small business loan is to develop a business relationship with your banker. Consider asking your bank’s manager to open a file for your business, and provide quarterly or yearly profit and loss statements. When your business is in need of financing, the bank will already have a file and will be at least somewhat familiar with your operations. When the time comes to apply for a small business loan, approach the banker with a solid business plan to inspire the lender’s confidence in your business. Provide information on business operations, marketing efforts, management ability, and financial projections for three years, as well as a cash flow projection and personal balance sheet demonstrating the worthiness of the business.To prove worthiness for a small business loan, prepare proper documentation. Keep your credit reports as clean as possible. A lender will assume that you operate your business in the same manner that you manage your personal finances. The lower your credit rating, the slimmer your chances are of obtaining a small business loan.When applying for a small business loan, search for a lender by first approaching the bank or banks in which you currently do business. Since you’ll need to share all of your personal and business financial information, it can be beneficial to apply with a financial institution that already has that information on file and is perhaps familiar with your profile and spending habits. If your credit rating is high, your changes are good of being approved for the small business loan.If you are unable to work with a bank or credit union in which you currently do business, or if you’d prefer not to work with your bank or credit union for your small business loan, look for a lender who wants your business. Search the business section of your local newspapers for special financing offers on small business loans and other loans. These lenders are actively looking for people needing small business loans, and the process of obtaining a small business loan with these types of lenders may be easier and faster. Additionally, check into credit unions. Because credit unions tend to be smaller financial institutions, you may be able to speak directly with a loan decision maker. Larger banks and other types of large lenders may have more rigid rules for small business loans, and the processes that they employ may be more complicated for small business loans.If, at First, You Don’t SucceedIf your first attempt at obtaining a small business loan fails, don’t be discouraged. Small business loans are often not approved with the first lender that you approach, and be assured that you’re not alone. Especially if you have a start-up business, lenders don’t always approve small business loans, even in the most ideal situations. Search for other lenders, or become resourceful and look into other sources for loans rather than a small business loan, including home equity loans and personal loans, both of which can be used for business purposes.

Where to buy beautiful rugs, floor mats and more. Including unique t-shirts, dresses, bags and artworks. All in one website with free shipping worldwide!

QueenNoble.com is the exclusive online art gallery and home décor online store where items were designed by artist QueenNoble Dr. Elle Ramirez. You can get all your home decorating needs in one place without worrying the shipping fee. You can collect all her original art pieces and open editions from your comfort zone in just few clicks. All original artworks will be shipped straight from the country of exhibition with free shipping worldwide. Home décor on QueenNoble is not your usual home decoration items. Every items were designed by QueenNoble Dr. Elle Ramirez exclusively made from handmade paintings turned to manipulated photos to make stunning designs for every home décor items such as the rugs, lamps, wall decors and more. Of course the original artworks of QueenNoble are all available to every collectors who collect only original artworks. The prints are premium quality, framed and ready to hang for everyone’s convenience. Rugs, lamps, pillows and others are designed by QueenNoble, and then manufactured by partnered companies in Europe and in The United States.

The artist And Designer QueenNoble

Dr. Elle Ramirez also known as QueenNoble is an American international fine arts artist, designer, sculptor, photographer and an author. Dr. Ramirez creates rare textured and embossed abstract artworks from wall sculptures to embossed paintings. Her career began from year 2006 up to this present day. (See Wikipedia.)

QueenNoble is known for her textured and embossed abstract artworks mimicking planets, natural stones and rocks, abstract engraved portraits, several monochromatic and vivid concepts.

“Live Minimal” is one of QueenNoble’s art books released year 2021. (See Google Scholar Books)

QueenNoble is also an author of several mental health books like “Quarantine: The Challenges During Quarantine and How to Keep Our Sanity”. QueenNoble is also the author of the Novel called, “The Cart Season 1”. (See more on Amazon)

One Of A Kind Products You Can Buy On QueenNoble

One of a kind luxury collectibles with certificate. Unique items designed and curated by QueenNoble Dr. Elle Ramirez are now available on the official website. One collectible is to one collector or owner. Collectibles can be a wallet, bag, a piece of art, a furniture, a dress or a shirt and more. A first come first served basis. Handmade with love and attention. Own something that no one has in the entire world. Only on QueenNoble. What will you get on the top of that? You will receive a certificate of authenticity upon receiving your item. Free shipping worldwide. Free repair and replacement in case of a major manufacture error. Most items are handmade and are genuine leather so slight imperfections are visible which are the signs of most genuine leathers in the market. Varieties of items and vast selections although items are very quick to be sold.

Who does not want a one of a kind item? It is really disliked to run to someone with the same exact dress in an occasion or a business meeting! Now on QueenNoble not only original hand-painted artworks are available now you get to wear an art yourself anywhere and anytime. Display a furniture or a décor and be asked by a friend or a colleague, “Where can I buy one?” and of course the answer is “You can’t buy that in the market.” Because It is only one!

What happens after you buy a one of a kind on QueenNoble? The price increases yearly for 10 years. What an investment for yourself or a luxurious lifetime gift for a special someone!

From the author’s words:

If you are a collector and a shopper, QueenNoble is definitely where to go specially if you are looking for unique designer’s décor such as rugs, comforters, bags, wall art etc. A lot of selections to choose from. The designs are contemporary and modern. In one look you know where the products are from since you can only find them on queennoble.com. The processes are also very convenient and shipping is fast worldwide.

I bought a one of a kind bag. When I received it it came with an envelope consisting the certificate. The leather bag is stunning. Fast shipping and free delivery. They also offer free repair in case there is a manufacturer error for free.

Note also that if you are a merchant you can sign up on their trading program. There is a 15-30% commission. Less work for you all you do is share the url of the product and your designated coupon code which you’ll receive when you sign up and you get paid everytime someone uses your coupon code. Sound interesting right? Copy code, share url and code on your social media and earn as you go.

QueenNoble is also on Saatchiart, Artmajeur, Singulart Galleries. On QueenNoble’s original artworks, all artworks with certificate of authenticity will be shipped straight to the collector from the current exhibited country and also free shipping worldwide.

Blinds and curtains are the go-to window treatments for providing shade from daylight. But which shading solution is better? This article discusses four reasons why blinds could be the best way to cover a window and prevent light from coming through.

Daylight shading
Blinds have the upper hand in blocking light because they are installed much closer to the windowpane than curtains. Their positioning means that blinds let less light through because the gaps are smaller.

For example, a roller blind can be positioned very close to the glass, ensuring minimal light enters the room. In contrast, most curtains are less effective because they bunch together, creating numerous gaps where light can slip through.

Cassette blinds can be fitted with side channels which hold the fabric in place and ensure that there are no gaps in the system for light to travel through. Coupled with a piece of blackout fabric, you’re guaranteed complete darkness. On the other hand, it’s more challenging to achieve total darkness using curtains because most of them are pleated, which lets small amounts of light through.

The type of window matters
You’d be surprised how many types of windows you’d find if you explored a range of properties. Some buildings have overhead windows or skylights, while others have windows installed on an angled wall. Curtains would not be suitable for these awkwardly placed windows because gravity would pull the material down.

Instead of having a curtain hanging down, blinds can be installed with the side channels we mentioned earlier. The blind side channels ensure that the fabric stays in place and the desired level of shading is achieved.

More ventilation
On a hot day, it’s crucial to get ventilation, particularly in countries such as the UK, where most buildings are not air-conditioned. Consider a teacher in a school who needs to open the windows but also needs to block out the sun’s glare to see the interactive whiteboard.

A blind can be fitted with side channels which ensure that the window can be opened without the wind blowing the blind and creating a distracting noise. This is another example of a unique situation where a curtain would not be appropriate.

Commercial and residential properties
Blinds are installed in commercial settings and residential properties. You wouldn’t think twice if you saw a blind in your friend’s home or your workplace. But you may scratch your head if you walk down the local high street and there is a curtain covering the large windows of your favourite restaurant. Blinds that are fitted in retail settings have a special fabric with an open weave that allows you to see through it. These blinds still provide some shading from daylight without obscuring views.

Blinds can be fitted in offices, retail settings, schools, hotels, leisure centres and just about any other building you can think of. Curtains are an excellent addition to building interiors, but they are mainly limited to homes, hospitals and the hospitality sector.

Summary

Based on these four points, blinds are more versatile than curtains. There is a huge range of blind types and excellent options to control the blind. Electric is a common control choice for luxury properties, but the metal control chain is the standard mechanism selected for blinds. Vertical and Venetian blinds are universally used in homes and commercial settings.