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	<title>Business Destination &#187; Financing</title>
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		<title>Factoring vs. A/R Financing: What&#8217;s the Difference?</title>
		<link>http://www.airsd.com/factoring-vs-ar-financing-whats-the-difference.html</link>
		<comments>http://www.airsd.com/factoring-vs-ar-financing-whats-the-difference.html#comments</comments>
		<pubDate>Thu, 28 Jul 2011 15:21:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Difference]]></category>
		<category><![CDATA[Factoring]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[What's]]></category>

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		<description><![CDATA[In today&#8217;s tight credit environment, more and more businesses are having to turn to alternative financing and non-bank financing options to access the capital they need to keep the gears of their business running smoothly. There are a number of different tools available to owners of cash-strapped businesses in search of financing, but two of the main ones are factoring and accounts receivable (A/R) financing. Sometimes, business owners lump these two options together in their minds, but in reality, there are a few slight differences that result in these being different financing products. Factoring is the outright purchase of a business&#8217; outstanding accounts receivable by a commercial finance company, or &#8220;factor.&#8221; Typically, the factor will advance the business between 70 and 90 percent of the value of the receivable at the time of purchase; the balance, less the factoring fee, is released when the invoice is collected. The factoring fee—which <a href="http://www.airsd.com/factoring-vs-ar-financing-whats-the-difference.html">Read the Rest...</a>]]></description>
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		<title>Alternative Financing and Non-Bank Financing: Don&#8217;t Be Afraid!</title>
		<link>http://www.airsd.com/alternative-financing-and-non-bank-financing-dont-be-afraid.html</link>
		<comments>http://www.airsd.com/alternative-financing-and-non-bank-financing-dont-be-afraid.html#comments</comments>
		<pubDate>Sat, 23 Jul 2011 12:20:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Afraid]]></category>
		<category><![CDATA[Alternative]]></category>
		<category><![CDATA[Don't]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[NonBank]]></category>

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		<description><![CDATA[The good news is that, despite the tight credit environment, there are many alternative financing and non-bank financing options available to companies that need a cash infusion, whether it&#8217;s to beef up working capital or help facilitate growth. However, the bad news is that business owners often shy away from non-bank financing because they don&#8217;t understand it. Most owners simply rely on their banker for financial information and many bankers (not surprisingly) have only limited experience with options beyond those offered by the bank. To help ease some of the fear that owners often have of alternative financing, here is a description of the most common types of non-bank financing. There are many struggling businesses out there today that could benefit from one of these alternative financing options: If a business has financial challenges, full-service factoring is a good solution. The business sells its outstanding accounts receivable on an ongoing <a href="http://www.airsd.com/alternative-financing-and-non-bank-financing-dont-be-afraid.html">Read the Rest...</a>]]></description>
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		<item>
		<title>Where Most Business Financing Frustration Comes From</title>
		<link>http://www.airsd.com/where-most-business-financing-frustration-comes-from.html</link>
		<comments>http://www.airsd.com/where-most-business-financing-frustration-comes-from.html#comments</comments>
		<pubDate>Sun, 26 Jun 2011 04:25:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Comes]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[From]]></category>
		<category><![CDATA[Frustration]]></category>
		<category><![CDATA[Most]]></category>

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		<description><![CDATA[Finding proper business financing is not easy at the best of times for most small and medium sized business owners and managers.   There are a number of reasons that collectively explain why the business financing market can be so difficult to understand and navigate. But probably the single biggest reason is the lack of useful information about how the business financing market actually works. Business financing information and education sources predominantly come in two forms: 1) institutional education material; 2) major bank advertising. If you&#8217;ve ever read through a educational finance text book or taken a business finance course, you already know how difficult it can be to apply the theories, principles, and strategies to a small or medium sized business scale. From a formal educational point of view, there is very little useful information provided as to how the market place works, how to plan for financing requirements, <a href="http://www.airsd.com/where-most-business-financing-frustration-comes-from.html">Read the Rest...</a>]]></description>
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		<title>Funeral Home Loans and Golf Course Financing</title>
		<link>http://www.airsd.com/funeral-home-loans-and-golf-course-financing.html</link>
		<comments>http://www.airsd.com/funeral-home-loans-and-golf-course-financing.html#comments</comments>
		<pubDate>Sat, 05 Mar 2011 10:24:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Course]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Funeral]]></category>
		<category><![CDATA[Golf]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[loans]]></category>

		<guid isPermaLink="false">http://www.airsd.com/funeral-home-loans-and-golf-course-financing.html</guid>
		<description><![CDATA[Golf course loans and funeral home financing provide a particularly challenging set of circumstances for both refinancing and purchases. For most small business loan programs involving specialized properties like funeral homes and golf courses, the prevailing chaotic bank lending climate has made a bad situation even worse. These specialized businesses are among the most difficult small business finance situations for commercial borrowers. Buying or refinancing a golf course or funeral home is usually difficult to finalize. Funeral home financing and golf course financing involve problems not found in most commercial loan situations. Refinancing for both of these business categories is likely to be more complicated than the original business financing for purchase. Fewer Business Lenders &#8211; Golf Course and Funeral Home Financing As a further complication for a difficult business loan for a golf course or funeral home, fewer business lenders are currently willing to offer competitive small business finance <a href="http://www.airsd.com/funeral-home-loans-and-golf-course-financing.html">Read the Rest...</a>]]></description>
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		<title>The Effects Of Financing Deficit On Leverage Choice Of Quoted Firms In A Developing Economy: The Nigerian Experience</title>
		<link>http://www.airsd.com/the-effects-of-financing-deficit-on-leverage-choice-of-quoted-firms-in-a-developing-economy-the-nigerian-experience.html</link>
		<comments>http://www.airsd.com/the-effects-of-financing-deficit-on-leverage-choice-of-quoted-firms-in-a-developing-economy-the-nigerian-experience.html#comments</comments>
		<pubDate>Mon, 13 Dec 2010 10:20:26 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Choice]]></category>
		<category><![CDATA[Deficit]]></category>
		<category><![CDATA[Developing]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[Effects]]></category>
		<category><![CDATA[Experience]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Firms]]></category>
		<category><![CDATA[Leverage]]></category>
		<category><![CDATA[Nigerian]]></category>
		<category><![CDATA[Quoted]]></category>

		<guid isPermaLink="false">http://www.airsd.com/the-effects-of-financing-deficit-on-leverage-choice-of-quoted-firms-in-a-developing-economy-the-nigerian-experience.html</guid>
		<description><![CDATA[The Effects of Financing Deficit on Leverage Choice of Quoted Firms In A Developing Economy: The Nigerian Experience Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â  ONWUMERE J.U.J Ph.D Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â  OKOYEUZU CHINWE Â  Â  ABSTRACT: Â Â This paper examines time-series patterns of external financing decisions consistent with the pecking order theory. EmergingÂ  markets provide an excellent Â laboratory to test theÂ  explanatory power of financing deficit given the under developed markets for corporate control.The adverse selection problem of external financing automatically leads to the standard pecking order in which debt dominates equity.we run a regression with a firm&#8217;s change in debt as theÂ  dependent variable and its financing Â deficit as explanatory variable.Â  we control for other determinants of debt issuance. Controlling for other determinants of debt issuance helps us to see whether the adverse selection modelÂ  falsely omits critical determinants of leverage. This allows a nesting of the conventional determinants of leverage from the trade-off theory within an adverse <a href="http://www.airsd.com/the-effects-of-financing-deficit-on-leverage-choice-of-quoted-firms-in-a-developing-economy-the-nigerian-experience.html">Read the Rest...</a>]]></description>
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		<title>Necessary Things You Should Know While Applying For Bad Credit Auto Loan Financing</title>
		<link>http://www.airsd.com/necessary-things-you-should-know-while-applying-for-bad-credit-auto-loan-financing-2.html</link>
		<comments>http://www.airsd.com/necessary-things-you-should-know-while-applying-for-bad-credit-auto-loan-financing-2.html#comments</comments>
		<pubDate>Sat, 11 Dec 2010 17:20:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Applying]]></category>
		<category><![CDATA[auto]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Know]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Necessary]]></category>
		<category><![CDATA[Should]]></category>
		<category><![CDATA[Things]]></category>

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		<description><![CDATA[Buying a car online i.e. on the internet is getting very popular nowadays. Online car buying saves one a lot of time, energy and money. Vast information about different car models and their prices can be accessed online, without having to rush from one car dealer to another to see different car models. The majority of individuals don&#8217;t realize that up to what extent the economy has affected the average employee. Individuals who used to have superior credit now fight back to make monthly payments because of a lack of employment. Large amount individuals have had their credit rating depressingly affected through the economic recession. This has made it tough for millions of individuals to avail various loans to gain Car Loans for Bad Credit. Bad credit car loan is a lot more complicated to obtain approval for today compared to a few years ago. If youâ€™re interested in availing <a href="http://www.airsd.com/necessary-things-you-should-know-while-applying-for-bad-credit-auto-loan-financing-2.html">Read the Rest...</a>]]></description>
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		<title>Hard Equity Financing</title>
		<link>http://www.airsd.com/hard-equity-financing.html</link>
		<comments>http://www.airsd.com/hard-equity-financing.html#comments</comments>
		<pubDate>Mon, 29 Nov 2010 18:20:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Equity]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Hard]]></category>

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		<description><![CDATA[Hard Equity Financing BusinessAnother business decision concerning finance is investment, or fund management. An investment is an acquisition of an asset in the hope that it will maintain or increase its value. In investment management â€“ in choosing a portfolio â€“ one has to decide what, how much and when to invest. To do this, a company must:* Identify relevant objectives and constraints: institution or individual goals, time horizon, risk aversion and tax considerations;* Identify the appropriate strategy: active v. passive â€“ hedging strategy* Measure the portfolio performance CashReasons for keeping cash* Cash is usually referred to as the &#8220;king&#8221; in finance, as it is the most liquid asset.* The transaction motive refers to the money kept available to pay expenses.* The precautionary motive refers to the money kept aside for unforeseen expenses.* The speculative motive refers to the money kept aside to take advantage of suddenly arising opportunities.Advantages of <a href="http://www.airsd.com/hard-equity-financing.html">Read the Rest...</a>]]></description>
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		<title>Owner Financing Wrap Around Mortgages &#8211; Austin Owner Finance Experts</title>
		<link>http://www.airsd.com/owner-financing-wrap-around-mortgages-austin-owner-finance-experts.html</link>
		<comments>http://www.airsd.com/owner-financing-wrap-around-mortgages-austin-owner-finance-experts.html#comments</comments>
		<pubDate>Fri, 19 Nov 2010 12:22:56 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Around]]></category>
		<category><![CDATA[Austin]]></category>
		<category><![CDATA[Experts]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Owner]]></category>
		<category><![CDATA[Wrap]]></category>

		<guid isPermaLink="false">http://www.airsd.com/owner-financing-wrap-around-mortgages-austin-owner-finance-experts.html</guid>
		<description><![CDATA[&#8220;A wrap-around mortgage, more-commonly known as a &#8220;wrap&#8221;, is a form of owner financing for the purchase of real property. The seller extends to the buyer a junior mortgage which wraps around and exists in addition to any superior mortgages already secured by the property. Under a wrap, a seller accepts a secured promissory note from the buyer for the amount due on the underlying mortgage plus an amount up to the remaining purchase money balance. The new purchaser makes monthly payments to the seller, who is then responsible for making the payments to the underlying mortgagee(s). Should the new purchaser default on those payments, the seller then has the right of foreclosure to recapture the subject property. Because wraps are a form of owner financing, they have the effect of lowering the barriers to ownership of real property; they also can expedite the process of purchasing a home. An <a href="http://www.airsd.com/owner-financing-wrap-around-mortgages-austin-owner-finance-experts.html">Read the Rest...</a>]]></description>
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		<title>Owner Financed Home Wrap-Around Mortgage. Austin Owner Financing</title>
		<link>http://www.airsd.com/owner-financed-home-wrap-around-mortgage-austin-owner-financing.html</link>
		<comments>http://www.airsd.com/owner-financed-home-wrap-around-mortgage-austin-owner-financing.html#comments</comments>
		<pubDate>Tue, 26 Oct 2010 14:21:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Austin]]></category>
		<category><![CDATA[Financed]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Owner]]></category>
		<category><![CDATA[WrapAround]]></category>

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		<description><![CDATA[The fresh purchaser makes monthly payments to the seller, who is then accountable for making the payments to the underlying mortgagee(s). Should the new purchaser default on those payments, the seller then has the proper of foreclosure to retake the subject property Because wraps are a form of Owner Financing, they have the effect of lowering the barriers to ownership of real property; they also can expedite the process of purchasing a home An example: The seller, who has the original mortgage sells his home with the existing first mortgage in place and a second mortgage which he &#8220;carries back&#8221; from the buyer. The mortgage he takes from the buyer is for the amount of the first mortgage plus a negotiated amount less than or up to the sales price, minus any down payment and closing costs. The monthly payments are made by the buyer to the seller, who then <a href="http://www.airsd.com/owner-financed-home-wrap-around-mortgage-austin-owner-financing.html">Read the Rest...</a>]]></description>
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		<title>With Owner Financing you can OWN a home with NO credit check!</title>
		<link>http://www.airsd.com/with-owner-financing-you-can-own-a-home-with-no-credit-check.html</link>
		<comments>http://www.airsd.com/with-owner-financing-you-can-own-a-home-with-no-credit-check.html#comments</comments>
		<pubDate>Tue, 12 Oct 2010 22:23:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[check]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Owner]]></category>

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		<description><![CDATA[You can buy a home with no credit check and actually own it! On an owner financed home purchase you get the deed at closing similar to if a bank had loaned you the money. Below are some details of the individual programs accessible to people with less than cold credit Rent to personal is just like it implies you do not personal the property until you have made the very last payment so if you did a lease to personal for 30 years it means it would not be yours until 360 payments (It will not be in your name until the 360th payment is made!!) have been made and opine what if you pretermit or are advanced on even one payment in most cases it reverts to leasing with no chance of it being yours even if the staying payments were made on time. You are a RENTER <a href="http://www.airsd.com/with-owner-financing-you-can-own-a-home-with-no-credit-check.html">Read the Rest...</a>]]></description>
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