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Real Estate Agents Find That Personalized Doormats Are An Ideal Way To Close The Deal

There is a reason that closing gifts are also known as client retention gifts, too. After all, real estate agents give these presents as a goodwill gesture to homebuyers. In a recent survey conducted by REALTOR Magazine, 80 percent of the Realtors who responded said they offer closing gifts to their clients. The key to selecting an ideal closing gift is providing homebuyers with something that makes a lasting impression. What better choice than a personalized doormat, Alan and Jill Mecca believe.

The Meccas are owners of The Personalized Doormats Company (www.personalizeddoormats.com), an online company that offers a wide variety of customized doormats for homes and businesses. After buying the business in 2007 and enhancing the product offerings to include the Write Your Own Mat series and the Design Your Own DuraCoirâ„¢ series (DuraCoirâ„¢ is a high quality mat made of synthetic coco-like fabric), the Meccas noticed that they were receiving a growing number of orders for real estate agents, so they instituted a 12 percent discount program for real estate professionals.

“Closing gifts are a way to demonstrate your appreciation, and also give your clients something that will be useful and lasting,” Jill Mecca said. “A gift certificate or a gift basket will be gone soon, but a durable doormat that is personalized with a message not only will stay around for awhile, but it also shows that you put thought into the gift.”

A memorable closing gift can also lead to future business for the real estate agent, Alan Mecca believes.

“You never know when clients will need your services again, so the closing gift is a way to let them know that you value their business. They will be reminded of you every time they see the doormat,” he said. “It can also lead to referrals. Personalized doormats are often conversation pieces, so a friend visiting the client’s house might see the doormat and ask where it came from, and the conversation leads back to the real estate agent.”

The Personalized Doormats Company offers an array of choices. There are mats with basic designs that you can include a family’s last name (such as The Smith’s). The company features aluminum doormats, wooden doormats, rubber mats, digital photo doormats and even luxury and classic doormats, which are larger than standard mats and are suitable for lavish homes with wide and elegant front doors.

The company’s Write Your Own Mat series includes mats that can be customized by dog breeds, college sports, animals, camo mats (for hunting and outdoors enthusiasts), leisure, sports, military, baby/child, religion and wedding categories.

The DuraCoirâ„¢ Signature Series and the DuraCoirâ„¢ Inlay Elite Series are also popular. The Meccas call the Inlay Elite Series the workhorse of residential mats. The personalization and border are inlayed so the mat will not fade and the personalized message will not wear out.

The Signature Series mat offers the same polypropelene finish and solution dyed fabric as the Inlay, but features an added elegant touch. These mats are flocked instead of inlayed, which gives the artists more flexibilty with the finer lines, resulting in a more elegant appearance.

For more information on The Personalized Doormats Company, visit www.personalizeddoormats.com.

Your logo doormat says a lot about you ? it’s one of the first things people notice when they visit your business. Like our moms always say, you only have one chance to make a first impression. Why not make it a great one? We help create grand entrances!!

Commercial Mortgage and Business Finance – Real Estate Investing

A complicated business finance process can occur when an investor previously familiar only with residential real estate begins investing in commercial real estate investment property and business opportunity situations. Before a borrower attempts to buy a business, it is important to develop a business loan and commercial mortgage strategy.

There are many key differences between financing for commercial property investing and residential real estate investments. Because more residential property investors are exploring commercial real estate and business finance opportunities, this business opportunity financing and business loan report is designed to help educate new commercial investors about key commercial mortgage and commercial loan issues.

Rather than specifically focusing on issues that differentiate business financing from residential financing (which we have thoroughly analyzed in separate reports), this report will offer a few key observations regarding business finance elements that are often overlooked in new business investment considerations. These factors include credit card processing, business cash advance options and working capital management.

Coordinating Credit Card Processing and Business Cash Advance Programs -

Many business investments will involve the use of credit card processing decisions. These business activities should be analyzed simultaneously with business cash advance programs for several reasons. If done properly, a business should reduce their costs and improve their cash flow.

Reducing Credit Card Processing Costs in Business Investing -

One of the biggest benefits of coordinating credit card processing with a business cash advance program is the real potential that overall costs can be reduced. Such an advantage is likely to be available in conjunction with the most progressive programs by linking a low cost credit card processor with the best merchant cash advance program. Many of the best credit card processors will not be available for businesses other than through a high-quality credit card financing arrangement.

Improve Cash Flow for Business Investments -

Credit card factoring strategies can produce a business cash advance up to several hundred thousand dollars. For most businesses, this level of financing is not routinely available via other business finance programs. The decision to choose credit card financing to secure a merchant cash advance is an increasingly practical business financing response to business lenders eliminating line of credit programs.

It is important to realize that there are certain key limitations and potential difficulties with business cash advance strategies. New business owners will occasionally eliminate using a merchant cash advance without adequately considering the overall benefits because they are confused by this business finance approach. Although credit card factoring is frequently considered to be a short-term commercial financing strategy, there are also effective longer-term variations which should not be overlooked.

Working Capital Management Strategies -

Obtaining a working capital loan is usually more effective when arranged in conjunction with buying a business. However many lenders do not adequately address this issue in the early business finance stages. Before completing a purchase offer to buy a business, all business loan issues should be discussed in order to fully understand overall commercial financing choices and limitations.

After acquiring a business, it is more likely that business or personal collateral will be a necessity in getting working capital financing. One major exception to this common collateral requirement will be the use of a business cash advance and credit card factoring as mentioned above.

Additional Key Investment Business Finance and Real Estate Mortgage Issues -

As previously noted, commercial mortgage and commercial loan requirements are very different from residential financing requirements in the United States. Additional business finance reports include a discussion of many other significant financing factors. Other reports address important subjects such as business opportunity loans, business appraisals, stated income business loan options and SBA loan programs.

Most of the additional articles will provide further detail about topics discussed in this report as well as offering business financing solutions for numerous other complex business loan situations. For example, some SBA loan processes can include working capital as part of the total initial financing. For those interested in learning more about both potential advantages and problems associated with coordinating credit card processing and business cash advance services, there are several additional resources (such as The Working Capital Journal) which will facilitate a better understanding of these complex business finance issues.

S.A. Bush is an SBA loan business finance expert. For details about credit card processing advances and working capital loan strategies, please visit AEX Commercial Financing Group – Commercial Loan Solutions.

Financing and Investing to Buy a Business Without Real Estate

When obtaining a business opportunity loan, borrowers will discover that many lenders simply do not provide business loans that do not include real estate as part of the business purchase. There are several other important business financing issues to analyze prior to buying a business without commercial property.

Interest in buying business opportunity investments has improved because of serious problems with residential real estate. However, because there are so many critical differences between financing residential real estate and business financing, it is important for potential business owners to educate themselves before proceeding.

In order to buy a business, a commercial borrower is likely to need business financing. If the business includes commercial real estate, the borrower will need a commercial mortgage. If the business purchase does not involve real estate, a business borrower must use a business opportunity loan.

Unfortunately the availability of business opportunity financing is more restricted than commercial real estate financing. There are also some potential limitations and problems unique to a business opportunity loan, and commercial borrowers should make every effort to avoid these business financing difficulties.

Our goal here is to focus on several financing issues that you should anticipate when commercial real estate is not part of the business purchase. Our suggested approach to business opportunity financing is provided below.

Begin your business opportunity investment financing plans by formulating a realistic assessment of cash available for a down payment and desired maximum business purchase price. A down payment of about 25% is suggested for most business financing situations described here. Usually seller financing is permissible for a portion of the down payment, but a potential buyer generally needs to plan on investing at least 10% of the purchase price from their own funds even if the seller is providing 15% or more.

Because Small Business Administration loans are essential for this kind of financing, you should explore whether you will in fact be able to qualify for these specialized business loans. This step is both important and somewhat complicated, and the involvement of an SBA loan expert is strongly advised. Among the issues to explore are whether collateral is available for SBA financing and how important refinancing is to your overall business opportunity financing process.

It is important to consider the lease terms which are possible. As noted previously, business opportunity financing and investing does not involve the purchase of commercial real estate, so arrangements must be made for a long-term lease. A ten-year maximum loan term is likely, and a shorter financing term will probably be required if the length of the lease is for less than ten years. In other words, with a seven-year lease, the commercial loan is likely to be for seven years, and even with a fifteen-year lease, the commercial financing will probably expire in ten years.

When buying a business, inquire about the possibility of including commercial real estate. With the inclusion of commercial property, you can obtain a longer business loan and the interest rate will be lower. Because the absence of a commercial mortgage can actually be an advantage, the improved terms possible by including real estate should not be looked at in isolation.

Before any offers are made to buy a business investment, borrowers should discuss their financing options with an expert for business opportunity loans. These discussions should include issues such as potential purchase price, down payment possibilities, seller financing, buyer credit scores, tax return requirements and collateral options.

Stephen Bush is a small business cash management expert – learn how to avoid problems with business loans and obtain candid business cash advance advice at AEX Commercial Financing Group =>
http://aexcommercialfinancing.com

Car Finance Secured or Unsecured?

Car Finance Secured or Unsecured?

Ever wondered what the difference is between secured car loans and personal unsecured car loans and how that difference affects your finance and their repayments.  The car loans terms can be only minor, but is larger when the true cost of each is taken into account.

Before discussing secured and unsecured car loans in more detail, let’s first have a look at the various workings that determine the cost of your loan and of your monthly repayments. The cost of the car finance package is (more…)