A Brief Synopsis of Small Business Administration Loans

The loans offered by the US Small Business Administration are regarded as the most reliable funding option available for the startup companies. Affordable repayment option as well as low rates of interest seems to be the excellent choice for the companies who are in need of monetary support. However it is important to remember that this government agency of the United States does not pay loans to small companies directly. However, it develops effective guidelines for the funds that are given by their partners that include community development companies, moneylenders as well as micro lending companies. The Small Business Administration also gives the warranty that the funds granted by these companies will be repaid within the scheduled period of time.Although these loans are the best financial option for the startup companies, the other companies that have wide access to other types of funds cannot access these funds. Here are the four types of SBA loans that are available for the businesses that cannot access to other kinds of loan options.

The objective of SBA 7 (a) program is to allow the small business to acquire money easily. It is the most flexible and the basic type of loan option that is available for a business. It can be used for multiple business purposes such as purchase of equipment or furniture, renovation of buildings as well as repayment of debt and other relevant purposes. The maturity of this type of fund is almost ten years for capital repayment as well as up to twenty five years for repayment of permanent assets.

SBA 504 loan allows the startup businesses to get permanent and long term funding for the purchase or renovation of key assets such as buildings, lands and so on. This type of loan is structured where the SBA offers forty percent of the total cost of the project and the participating lending organization covers nearly fifty percent of the cost. Plus, the borrower pays nearly ten percent of the total cost of the project. This type of program is used to buy buildings, long term devices, build or even renovate facilities as well as repay the debt with the purpose of expansion of business. Under this loan program, the small business qualifies if it shows an average income of nearly five million dollars after deduction of income tax for the previous two years before submission of a loan application.

Microloan program offered by the Small Business Administration is an exclusive loan that is available for small business. A borrower can use this type of loan to buy capital, fixtures, supplies, machines and equipment. This government organization ensures that this type of fund is available for the nonprofit organization who is experienced in dealing with technical operation. However, it is important to remember that this type of fund is not used for the purchase of property or for repayment of current debt.

The Small Business Administration offers low interest fund to the small businesses that are affected by disaster. It is used to repair damaged property, equipment as well as different types of business assets.

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What Is the Difference Between Bull Market and Bear Market?

If you are keen follower of what goes on in the investment market or you’re an investor yourself, you must have heard of the terms ‘bear’ and ‘bull’ market. Many of us have come across these terms either through the internet or on business platforms discussing financial markets. Understanding the difference between a bear and bull market is the best way to know what these terminologies mean.A bear market refers to a period within which a market is on a decline and this term is often commonly associated with the stock market. When stocks experience a steady decline over an extended period of time, the market can be described as bearish. This can happen over a period of months or even longer. How does one identify a bear market? Checking how an index is performing is one effective way of knowing whether the market is on a decline or not. For instance, S&P 500 and DJIA can be used to check for declining markets. When the S&P 500 has been lower than 15% for an entire past year, the market can be described as a bear market.On the other hand, a bull market is the opposite of a bear market. In this case, a market can be described as a bull market when stock market prices experience a steady increase which is higher than the normal average. Just like in a bear market, indexes are used identify a bull market. For instance, if the average return on an index is usually 12% but for some reason it stays at 16% or above for some time, this is considered to be a bull market.So, what causes a bull or bear market? It is worth mentioning that these markets fluctuate depending on the economic performance. If the economy is not performing well or there is a financial recession, the markets exhibit bearish characteristics and go down as a result of the bad economic times. If the economic times are bright and the market is doing well, the resultant effect is a bull market.Some people see a bull market and get tempted to invest at that point. This is not a wise strategy because in some cases, some stock prices are usually at their peak and many people don’t realize it. When you buy a lot of stocks when the prices have shot up, there is a risk of the price beginning to drop especially if you purchased them when they were at the peak price. Alternatively, the prices may fail to go up and therefore, you might not make any profits from the investment. The same concept applies for the bear market. You may decide to invest because stock prices are at the lowest and therefore, you expect them to begin increasing. However, there is a chance that they could keep going lower.The ideal time to invest in the stock market is when the economy is performing well and out of recession. It is usually at this point when the markets begin to appreciate and it’s difficult to predict what will happen in the near future. For investors looking to keep their risks low, it is important to ensure consistent investment and focus more on investing in a bull market and pay less attention to investing in a bear market because of the high uncertainty associated with it.

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How Social Media Allies and Upsides Your SEO Efforts?

SMM and Search Engine Optimization are usually given a separate space in the digital marketing arena.

And, quite reasonably, they are the two most decisive factors in the online marketing sphere.

But what we fail to understand is why many businesses do not acknowledge social media marketing as one of SEO’s most influential allies.

Do we intend to say that social media directly encourages your Search engine rankings?

The simple answer could be NO!

You must recognize that social metrics like Facebook likes and Twitter followers indicate social profile authority but have no hand in directly circumscribing the search engine rankings.

Surely, our straightforward answer is confusing. However, we completely believe that SEO and smo are powerful collaborators whose association must be leveraged for digital marketing success.

Let’s dig deeper and express how SMM can merit and warrant your SEO strategy.

The Relationship Between Social Metrics & SEO

Let’s assume that there might have been experiments conducted in the past that determine the use of social-media metrics such as social mentions and engagement level for search engine rankings.

But due to the unpredictable and unstable nature of smo and the weak signals generated, professionals might have dropped the attempts.

This was well elaborated by Matt Cutts back in 2014 in a Webmasters video. He was the Head of Google’s Webspam Team back then, and he revealed that social media provided incomplete signals.

Also, search engine algorithms can’t ascertain the reliability and authority of the smo posts and the profile.

Nevertheless, is there an Indirect way that social media influences search engine rankings?

And, this was embellished in the Cutt’s video itself.

He said that Google treats all social media websites like any other website on the Internet, which means that the same rules apply to Facebook, Twitter and so on as it applies to other websites.

Benefits of Social Media for Business

A Linkable Opportunity

As most social media consists of links to other websites, site owners and content creators can use it to promote their content.

You can employ a particular mixture of organic and paid promotions strategy to maximize your audience base.

Here’s how this happens-

As you use social media, there might have been countless times that some articles impacted you.

The impression an article made is evident in the things you share and communicate on social media. You might often use the information from the article in your other works, giving the source article a reference.

Understand that people cannot relate to something unless they know about it. Social media gives the perfect opportunity to content creators to prompt the audience and share link-worthy content.

You might well concede that SMM has given attention to many websites and individuals who were not known before. Creating Brand Mentions

Now, suppose someone or something (brand, product, service, individual, business, etc.) that has not yet been identified by Google suddenly notices many remarks online. In that case, it will influence Google to categorize them as an “entity”.

These are some unique circumstances that can boost your search engine rankings. This is bound to the context you are being mentioned or how people are talking about you online.

Understand that you are not adjudicated for how high you rank for a thing but what you entail as an entity.

So your website might not be getting a mention for a specific thing right now, but seeing the number of people who put trust in you, they can well start recognizing your business for that particular piece.

This is called the power of positive mentions.

Nevertheless, you need to make sure that positive mentions are not just on social media but on all public forums.

You can spring your brand marketing with your true audience base and inspire positive reinforcement and communication on social media.

Social Media For Searches

You cannot miss the fact that people use social media to search for a particular product or brand, and your audience base is just not limited to Google or Bing.

As you operate Twitter, you will realize that the social media channel with its trends, hashtags, insights and other tools give you a perfect opportunity to collude with the potential customers, making your content visible to the users.

You will find similar responses to Pinterest and Instagram.

Also, if anyone wants to know more about your company, he/she will likely ascertain your presence on Facebook, Instagram, Twitter channels- do a quick search and decide upon if he/she wants to deal with your business or not.

In 2016 Mark Zuckerberg had mentioned that “Now people are doing more than 2 billion searches a day between looking up people, businesses, and other things they care about.”- source Techcrunch.

Facebook had earlier retreated on a semantic graph search engine and launched a true keyword search, which landed in more search queries for media channel.

Twitter, since its onset, has been the leading destination for the population to flock for searches, especially in the event of big global news. Full post search appeared to have worked for Facebook and have expedited query volume.

Changing The Idea Of SEO

We have reached the phase where SEO is not just centered till Google optimization. We need to realize that search engine optimization is extending and converging on smo.

Also, if Google has been unclear about its stand, Bing, on the other hand, has been quite positive in including social metrics in its search engine algorithms.

You may well agree that the audience that reaches the company website, lurking through digital media channels, has already interacted with the company in a very pragmatic sense.

Also, digital media gives users the capability to engage more powerfully and compellingly. Hence, it will be only effective to broaden your social, media capacities and elicit brand awareness and growth.

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