Government Grants

Government Grants - What are they and how to get them?

by: Mike Freemen

None of these Government Grants require a credit check, collateral, security deposits or co-signers, you can apply even if you have a bankruptcy or bad credit, it doesn't matter. Its Free Money Never Repay! The Federal Government is Giving out over 155.5 billion dollars in Business Grants! Receive Government Small Business Grants for virtually any type of business. Whether it is to start a business or expand your existing business there is money for waiting just for you. The Federal government provides this money to help existing small business owners and those who want to start their own business change their lives and achieve financial independence. The United States Government wants your Small Business to succeed and you will be amazed at the lengths they will go to help ensure your success. At Grant Seeker Pro™ we have designed a State of the art software program that will aid you in locating the perfect grant or grants for your small business! Once you find the programs for Small Business Grants that fit your needs you can use the Grant Seeker Pro™ software program to complete the applications! Don't forget to use your Grant Seeker Pro™ to complete your business plan also! Facts About Government Business Grants: # Over 20 million people gets Government grants every year # Over 10 BILLION dollars for entrepreneurs in the form of Low Interest Small Business Loans. # 4,000,000 people get money to invest in real estate! # Did you know that if every business in America were to apply for and receive an equal share of Government Small Business Grants that each and every business in this great country would receive a $70,000 free cash grant? # Did you know that H. Ross Perot has received Government Small Business Grants? # Did you know Paul Newman has received Business Grants. # Did you know Donald Trump has used Small Business Grants to fund many programs. # Most recently the airlines have received Billions in grants to make sure they stay afloat through these troubled times. Learn about complicated Tax Refunds or Tax Credits. These are programs largely overlooked by the Small Business owner. At tax time these special incentive programs can (depending on the size of your business) save you tens of thousands of dollars! In spite of the perception that people should not look to the government for help, the great government give-away programs have remained so incredibly huge that if each of the approximately 8 million businesses applied for an equal share, they would each receive over $70,000. Thought Affirmative Action was dead? If you did you thought wrong. Though many of the catch phrases are no longer in use most of the money that was available still is. Every year Congressmen and Senators make promises to the people that put them in office. Many of those promises are made to minority groups in specific areas but most are made at a National level. There are also Reserved Free Government Cash Grants now available for the following special interest groups. American Indians, Veterans, Family Members of Veterans, Low Income Families, Community Block Grants, Non Profit Organizations, First Time Home Buyers, Artists, Musicians, Nurses, Teachers, Researchers, The Disabled, People Suffering From HIV and AIDS, Substance Abuse. There are literally Millions Available; All you have to do is ask! Can You Imagine receiving: One Billion Dollars in Minority Business Grants for business start up! Millions in Minority Business Grants to expand your existing business! Receive $8,000 in Minority Grant for Free Legal Advice! Millions Available In Minority Grants for the purchase of your first home! Receive $75,000 Housing Grant to Remodel Your House! Receive $6,000 in Minority Scholarship Grants for College Tuition! About the author: For more information on government grants and how to apply visit http://www.federalgovernmentgrants.biz Circulated by Article Emporium

About Debt Consolidation - Canadian

Canadian Debt Consolidation

by: Robin K

Life throws people a number of challenges often on a daily basis and unfortunately, some of those are financial challenges. The loss of a job, an illness and many other situations can make paying off loans difficult to do. Sometimes people simply overextend themselves with their financial commitments and find that they can’t always make even the minimum payment on all of their loans. People from all over the world are finding that they are running into similar financial situations including Canada. Canadians as other nationals have the option of trying to qualify for Canadian debt consolidation. A Canadian debt consolidation loan is when a bank or other lending establishment loans an individual enough money to pay off his or her loans in order to repay back the entire amount in a single payment often at a competitive interest rate. The creditor gives the companies that are owed money, in effect taking over the loan in order to help lower monthly payments and possibly improve the credit score of a person. Not every Canadian debt consolidation loan is offered at the same interest rate, so it is a good idea to look around for the best deal. Another type of Canadian debt consolidation is where an individual contacts a debt consolidation specialist who in turn contacts the individual’s creditors in order to make arrangements for lower payments or interest in order to satisfy the debt faster for less money. The purpose of this type of Canadian debt consolidation is to help individuals who can still make lower payments on their debts and to avoid having to file for bankruptcy. As with the Canadian debt consolidation loan, the outcome of using a debt consolidation service is to be able to make a lower monthly payment in order to satisfy debt but a good debt consolidation service allows a person to do so without taking on another debt. A Canadian debt consolidation service works because instead of losing all of their money to bankruptcy or simply never being repaid at all, most lenders want to be able to get a good portion of their money back through a debtors payments. A Canadian debt consolidation service is trained to deal with lenders and lenders are comfortable dealing with a debt consolidation service. If an individual were to attempt to make the same type of arrangements a Canadian debt consolidation does on his or her own it isn’t likely that he or she will meet with much success. When approaching any type of Canadian debt consolidation service, make sure that the terms of either the consolidation loan or consolidation agreement are acceptable and possible. It doesn’t make sense to get into another loan situation if it isn’t possible to make payments. If a Canadian debt consolidation service arranges to make lower payments on existing debts, make sure that those payments can be made. Successfully using a Canadian debt consolidation service can make dealing with financial issues much easier on most individuals and can also help him or her to avoid filing for bankruptcy. The benefits of using a Canadian debt consolidation service are immeasurable and can even mean an bringing past due accounts to a current status and improving a credit score over time. If financial obligations are beginning to feel overwhelming or if bankruptcy is being considered, it would be a good idea to look into Canadian debt consolidation and see if it would feasible. About The Author Robin is the webmaster and owner of " Debt-Consolidation-Deal.com" and has been researching and reporting on Canadian Debt Consolidations for years. Click Here ==> http://www.debt-consolidation-deal.com/ About the author: About The Author Robin is the webmaster and owner of " Debt-Consolidation-Deal.com" and has been researching and reporting on Canadian Debt Consolidations for years. Click Here ==> http://www.debt-consolidation-deal.com/ Circulated by Article Emporium

9 things you must do to: Small Business Loan

9 things you must do to maximize your chances of obtaining a small business loan

by: Neil Best

To get approval for your small business loan application, you must be able to meet the lending criteria set down. Some organisations are more risk averse than others, and will therefore have more stringent criteria. To vastly increase your chances of a successful funding application, you will need to present the following information: 1. The reason for the loan. The lender will be looking for something that fits within the normal range and expertise of your business. The amount may cover a number of items, so you will need to cover each. 2. The amount required, and the repayment term of the small business loan you want. (e.g. $10,000 term 5 years, payable quarterly). 3. Details of how you will repay the amount borrowed. For example, “From the increase in profits of reduced running costs of the Whizzbang Go4It” 4. Details of security you will be able to offer to the lender. This will act as reassurance for the lender. If you’re not prepared to put up some aspect of security, then why should they? 5. You will need to include your business plan which will serve to answer essential questions relating to management capabilities, information about the market you operate in. What kind of business you are in etc. 6. 3 Years financial statements. You will need to present quality financial information from your accounting software, preferably signed off by your accountant or tax advisor. 7. Latest Set of Management accounts. Again produced from your accounting software. 8. Accounts receivables (debtors) and payables (creditors) ageing reports. 9. Principals financial statements. – Particularly required if some form of security is necessary. If you are a new company, the emphasis is going to be on your business plan , and the security (also called collateral) you or your business can provide against the loan. You must take the time to practice presenting your case to the bank or lender to iron out any glitches. Practice on your colleagues and family (you never know, they might be so impressed, they'll invest or lend!). It may help to role play the lender and come up with as many pointy questions as possible. The more time you take the better your chances will be. (But remember, don’t fall into the analysis paralysis trap!) Good luck! About the author: Neil Best is an accountant with over 15 years experience in business finance. This article and other useful business finance information such as making effective business plans and sourcing and applying for business grants can be found at http://www.smallbusinessfinancetips.com/small-business-loans.html Circulated by Article Emporium