Moving Forward in 2021: Business Trends

Determining Business Direction Through Trends

Welcome to a new year! All of us business owners went through 2020 together, we felt the business landscape shift. For some of the business owners out there, this gigantic, unprecedented shift meant to scrap their business concept and start completely over with new products and services or to crack open a new industry completely. Other business owners were able to hang on by the skin of their teeth and make it out on the other side with a few bumps and bruises. Whichever side you found yourself on as a business owner, following the trends is going to be crucial in terms of your survival in this next phase of “normal”. 

In the coming weeks, we will be exploring different trends that are being predicted for this new year. To start us off, here are some thoughts on how this shift will continue to play out in 2021, and how you can position your business to benefit: 

Embrace how the crisis can produce positive changes

Sure, after polishing their websites, getting creative with social content, embracing new e-commerce options, and rolling out online ordering or curbside pickup, some businesses might revert to what was once ‘business as usual’ as we move deeper into the new normal of 2021. Don’t be that business. Instead, be the business that is permanently augmented for the better. 

And it’s not just about digital. In Columbus, Ohio, gluten-free bakery owners Wendy and Letha Pugh say the pandemic prompted them to change the way they’re structuring their business on a sustained basis. They’ve increased wine offerings and other selections at Bake Me Happy to create a bodega-like feel for their shop, and they say they’re leaning even more heavily into engaging on social media as people have increased their screen time (a trend we expect to stick around).

Share your own story to showcase your business

Whether you are an extrovert or an introvert, your own story is literally the story of your business. Freres Branchiaux Candle Co.,  also known as FB Candle, is an award-winning artisanal candle company owned by three outgoing young brothers who are the face of the brand. In San Francisco, Hrag Kalejiban of Henry’s House of Coffee uses social media to tell the story of his family’s roots in coffee roasting. Their expressive photos connect their audience to the story of their business and draw people in. 

Embrace your community

COVID endeared people to small businesses even further, and that will endure. In Labadie, Missouri, Derek Loeffel’s Labadie General Store has been open for just a few months and already has a wait-list of local vendors who want a spot in the shop. Loeffel, a full-time police officer who started working on his retirement gig, co-owns the store with his wife and brother. Starting a store during a pandemic inspired them to do regular virtual tours spotlighting individual vendors, along with online sales, curbside pickup and shipping. Our most recent survey of consumer buying patterns during the pandemic demonstrates the strong connection consumers feel: nearly three-quarters of people who had started shopping somewhere new said that at least one of those new businesses was a small business.

Thinking of Starting a New Business?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584

How to Start a Remote Business During the Holidays

Here are some holiday small business tips based on recommendations from the U.S. Small Business Administration to give you an overview on how to get your business up and running during the festive season:5

Conduct market research: Look at the market to determine if there’s an opportunity to monetize your idea. If you want to run your business year-round, make sure there’s a demand beyond the holidays.

Write your home business plan: A business plan is a roadmap for success. Starting where you’re currently at, identify where it is you want to go, and then list what you need to do to get there. The Balance offers a helpful guide on creating a home business plan.

Organize your finances: Your business plan will help you determine how much you can expect to invest in starting up your company. This will allow you to take steps to identify where that money will come from.

Decide on a business structure and name: How you choose to structure your business will affect your registration requirements, taxes, and liability.

Take care of legal details: Register your business, get federal and state tax ID numbers, make sure you have all of the licenses and permits you need, and open a business bank account.

Get a marketing plan in place: Take advantage of holiday shopping habits and create a plan that ties your business into holiday buying. If you’re wanting to continue your business past the holidays, make sure to update your marketing plan accordingly.

Important: Hit the ground running. To make the most of the holiday market, you’ll need to take action right away and ensure that customers know you’re open for business. 

The Bottom Line

The holidays can be an exciting time to launch a home business, and the shift toward remote festivities has opened up a realm of new enterprise possibilities. Make sure to consider both the advantages, as well as the drawbacks, to starting a home business during the festive season. 

If you’re looking to continue your business venture beyond the holidays, you’ll want to broaden your view and keep the bigger picture in mind.

Thinking of Starting a New Business?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584

5 Great Businesses You Can Start During the Holidays 2020

2020 may have had a rough beginning, but here we are learning to adapt, pivot and start anew! Many out there are looking to start a new business entirely, whether it is their first time in that arena, or they have found a new opportunity. The holidays are a great time to try out a new venture, and there are some business concepts that are the perfectly-timed fit for the season. 

1) Home Decorator

Holiday budgets that used to be spent on travel are now being used toward celebrating the festivities at home, according to a retail survey from Deloitte. The study found that anticipated spending on travel is down 34% year-over-year, while non-gift items such as home furnishings and seasonal decor are on the rise, up 12% from 2019.3  

This could be an opportunity for offering your services as a home decorator, helping people to get their houses ready for the festivities. 

One option would be to go into clients’ homes and do the decorating for them, taking precautions to stay safe, of course. Another potential business is to offer holiday decorating tips remotely. You could do individual Zoom sessions with customers offering suggestions specific to their home, or you could host remote classes giving advice for adding holiday touches to the home or making festive floral arrangements. 

2) Virtual Party Planner

Help families coordinate fun virtual get-togethers. As a virtual party planner, you could suggest different ways to make holiday video calls special. Maybe there are games for remote families to play, or you could book a virtual entertainer. 

Perhaps each household could receive a basket of goodies that they all open at the same time on the call. Your business would be to help people organize and find different ways to promote a sense of togetherness during the holidays, while staying apart. 

3) Homemade Crafts and Gift Baskets

Sell your creations online as holiday gifts. You could also choose to focus on more festive options like selling homemade stockings, wrapping paper, or wreaths. 

Another potential idea is to start a business assembling gift baskets. You could offer varying types of gift baskets centered on different themes such as homemade items, locally sourced goods, or holiday treats. 

4) Delivery Service

Nearly 51% of holiday shoppers feel anxious about shopping in-store, according to data from Deloitte’s holiday retail survey. Shoppers are opting for contactless shopping experiences, with 73% planning to have items delivered, marking a notable increase from 62% last year. In addition, the preference for curbside pickup has more than doubled year-over-year. 4

You could start a business picking up and delivering people’s holiday goods to them. Beyond just gifts, people need all sorts of things during the festive season—consider expanding your services to include wreath and Christmas tree deliveries.

5) Winterizing Homes

There is plenty of maintenance that needs to be done to prepare a home for the winter season, especially in places that get snow. You can offer your services to help people winterize their homes, from tasks such as snow shoveling, storm window installation, chimney sweeping, or even Christmas light installation. There’s a variety of to-do’s that homeowners need help with in preparation for the holidays. 

Whatever holiday business you decide to start, customize it to fit your skill set. Think about what you’re good at or have experience in, and how you can use that expertise to meet a current need. 

Thinking of Starting a New Business?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584

Should I Start a New Business During the Holidays?

The Pros & Cons

This pandemic has forced a lot of people to reevaluate their income and how it is earned. With many people out of jobs, looking to bring in some extra cash, there has been a huge shift to starting new businesses during this holiday season – and what could be better timing! However, with all good intentions, there can always be roadblocks. Be sure to read through this quick guide of the advantages and disadvantages of starting a business during the holidays. 

Advantages to Starting a Home Business During the Holidays

There can be many advantages to selling goods and services in a remote holiday business. Some of these include:  

Opportunity to Rebound and Create

A holiday business can be a good option for those who lost work due to the pandemic. The uncertainty of the pandemic has opened up many novel needs, including challenges related to celebrating the holidays safely. A small business can be an effective way to introduce creative solutions to issues consumers are currently facing. 

Online Shopping Potential

The pandemic spurred a tremendous growth in e-commerce activity this year, which has continued into the holidays.1 In fact, in its annual holiday shopping survey, the National Retail Federation (NRF) found that 44% more consumers shopped online-only during Thanksgiving weekend this year compared with 2019.2 

Tax Deductions

You might be able to take advantage of potential tax deductions by starting a business before the year is over. A home business could qualify you for benefits such as the home office tax deduction. 

Saving on Startup Costs

You can potentially reduce some of your startup costs by making the most of the holiday sales. Many goods and services are offered at a reduced price during the holidays, which means you can likely find discounts on needed business and home office equipment and supplies.

Disadvantages of Starting a Home Business During the Holidays

Besides the general stress and commotion that often accompanies the holiday season, there are other downsides you may want to consider before deciding to start a new venture. Some things to be aware of are: 

Being Haphazard

Starting a business isn’t a lighthearted decision. It requires a lot of research, planning, and dedication, and it can be a big undertaking during what is already a busy time of year. 

Brand Awareness Challenges

It takes time to get a new business up and running. Generating awareness of your business and building a customer base doesn’t happen overnight. You may find you’re missing out on some of the holiday rush because potential clients don’t know about your company.

When identifying potential customers, think broader than just holiday shoppers and families. Are there other businesses that could use a service you provide? What about hotels or restaurants?

Consumer Unpredictability

The pandemic has made this holiday season especially unpredictable. Both the number of consumers who shopped over the Thanksgiving holiday weekend and the amount they spent this year dipped slightly from 2019, according to data from the NRF. The organization’s holiday study also found that the number of Thanksgiving Day and Black Friday in-store shoppers dropped by 55% and 37%, respectively, from last year.2 

Post-Holiday Slump

Be aware that your sales may drop as consumer buying habits shift after the holidays. While the holiday season can be an ideal time to jumpstart your venture, if you want to maintain your business beyond the holidays, make sure to keep the bigger picture in mind. You’ll want to have year-round demand for the product or service your business offers. 

5 Great Home Businesses to Start During the Holidays

Follow along with our next blog to see which business ventures are the best fit for the holiday season!

Thinking of Starting a New Business?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584

How To Finance Holiday & Seasonal Expenses


The holiday season is approaching, and with it comes colder weather, hot cocoa … and additional holiday expenses. We aren’t talking about your gift budget, either. If you are a business owner, you know that while the holiday season brings more customers, this seasonal rush also leads to additional expenses.

Holiday and seasonal periods leave many business owners scrambling for cash. Whether you need to purchase additional inventory to keep up with the influx of orders or you need to hire more employees to keep your business running like a well-oiled machine, you can get the extra cash you need with a business loan.

Tips To Manage Your Cash Flow & Expenses During the Holiday Season

Getting a loan during the holiday season can get you out of a bind, but mismanaging your cash flow and expenses can lead to further financial issues. With a few simple steps, you can stay on top of your cash flow and expenses for a profitable holiday season.

One way to keep your business running smoothly is to invest in inventory management software. With these apps, you’ll be able to track inventory, sales, orders, and deliveries, which is especially helpful during the holiday rush.

To prepare in advance, you can create a cash flow forecast. This forecast will allow you to predict funds that will be coming in and going out of your business at a future time. By analyzing and calculating your cash flow, you can get an accurate picture of what to expect in the future.

Finally, know that unexpected emergencies pop up, usually when we least expect them. Be prepared for these emergencies by saving money in a special fund or applying for a credit card or line of credit before it’s needed.

The holidays can be extremely profitable for your business, but if you’re not prepared, this busy season can quickly turn into a nightmare. Be proactive in handling the holiday rush by preparing in advance and knowing what loan options are available to you when you need them the most. With planning and responsible borrowing, you’ll leave behind the stress of the holidays and be able to focus on your profits and further building your business.

Need Start-up or Small Business Loans to Survive the Holidays or Prepare for 2021?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584

The Advantage of Small Business Loans for the Holidays

It’s not too late to bulk up your business for the holidays with loans!

As a Small Business Owner – really as any Business Owner – you should have your holiday funding sorted out already. However, it’s not too late if you put it together now. Small-to-medium businesses often find themselves looking for last minute funding during the holiday season, and while last minute lending can provide a much needed cash infusion, they can be more expensive than financing that was initially planned and budgeted for. Still, it is a must-have for businesses needing to bulk up on products, supplies and marketing that is essential for the holidays. 

Surprise! Additional Year-End Expenses for Small Businesses

Many of the loans taken out during the holiday season are taken out last minute because they were unexpected. There are many financial issues that can crop up during the holidays:

  • Payroll & Holiday Bonus Expenses 

Many business owners enjoy giving gifts to their employees during the holidays, but this can take a financial toll, especially if the business hasn’t budgeted appropriately.

  • Year-End Expenses 

The end of the year can bring many contracts to bear, some of which may need to be paid out immediately and finalized.

  • Reduced Income

For companies outside of the retail and entertainment industries, the holidays can be slow. Business owners may not anticipate making significantly less income through the holiday season.

  • Seasonal Business Trends 

Even though some companies may be doing more business, they may be profiting less. This is because they may need to hire seasonal and temporary workers, invest in training, buy more supplies, and more.

  • Supplies & Equipment

Sometimes the expenses are temporary. Those within a retail or merchandising space may find that they sell more product than ever, but this comes at a temporary cost of supplies, product, and equipment. A business owner may need to leverage financing to fulfill these orders.

Business owners may also find themselves financially strapped (personally) during the holiday season, which can make it more difficult for them to lend money to their own business. Together with the factors above, it creates a perfect storm.

The end of the year can bring many contracts to bear, some of which may need to be paid out immediately and finalized. A small business loan might be necessary to cover these year-end expenses. 

Surviving the Holiday Season

Rather than having to apply for last minute financing, business owners should plan ahead. Last minute financing options generally include merchant cash advances and personally guaranteed loans, both of which can be expensive and lead to significant fees over time. By calculating necessary working capital ahead of time, a business owner can procure the best financing option for them well in advance. However, if you waited until the last minute and it is still necessary to drive sales in the holidays, the profit you make will likely make up for the additional loan costs. 

Business owners should take a look at their prior year expenses for the holiday season, in addition to anticipating how seasonal business trends may impact their sales and revenue picture. In terms of personal finances, business owners should also be prepared to devote additional working hours during the holiday season and should be aware that they may not be able to rely upon company draws.

Need Start-up or Small Business Loans to Survive the Holidays or Prepare for 2021?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584

Spotlight on Women in Business

You’ve probably heard the song, “It’s a man’s world.” In the business world, that is simply not true anymore.

Quietly women have moved up the ranks. Fast Company reports over the past two decades the volume of female-owned companies has grown 114 percent. Compare this to the average growth of any business during that time period, which was 44 percent, and you start to see that women are finally gaining ground. While women still have inequalities related to pay equity, their ability to secure small business lending, and other challenges, they are breaking the corporate glass ceilings, both by smashing through and sometimes working around them.

Here are some of the women who are getting it right and succeeding in their efforts to launch and sustain a business venture.

#1 Female Entrepreneur Association Empowers the Right Mindset

Carrie Green went the traditional route at first, studying at a major university and graduating with a law degree. She says, “I always thought I’d end up doing my own thing—as opposed to working for someone else.” Greene started her own thing online, building a successful venture but also realizing how incredibly isolating entrepreneurship can be. 

Greene learned that the entrepreneurial journey is usually bumpy and uphill. Physically and mentally draining, starting a small business is both risk-filled and lonely, particularly for women who have fewer role models and mentors than men in the business world. Carrie decided to form an organization devoted to empowering women entrepreneurs with the tools and resources they need to go from startup to success.

In 2011, Ms. Greene founded the Female Entrepreneur Association, which grew to more than 650,000 women around the world. The platform serves as a hub for training, inspiring, networking, and advice. Carrie went on to write her first book She Means Business, which was an international bestseller. Her best advice for women entrepreneurs is that having the right mindset is the best tool for shaping a new business. The right mindset can help you have the perseverance to overcome any adversity, no matter how hard.

#2 Good Women Doing Social Good(r)

Jasmine Crowe is the founder and CEO of Goodr, a tech company that reduces food waste and combats hunger. The organization uses blockchain technology to solve three seemingly untenable problems:

There are 72 billion pounds of wasted food annually in the U.S.

Simultaneously, there are 42 million people experiencing food insecurity. 

Corporations fail to leverage $40 billion in estimated tax benefits each year.

Goodr solves this frustrating tripod with technology. Social entrepreneur Jasmine Crowe took a look at these numbers and realized there was a crucial sustainability link missing between the food we have and the food that’s needed. Her team used blockchain to bridge that gap. 

When Ms. Crowe started Goodr she was working on community events to alleviate hunger and poverty. She learned about how restaurants were throwing fully cooked, perfectly edible food away, and it motivated her to find out more. She found out many restaurants are worried about liabilities with donating their food, despite the Good Samaritan Act of 1996 that allowed these companies to donate their food. Most companies don’t know that the law lets them help the needy, so Jasmine set out to change this.

Goodr, based in Atlanta, is a mobile app designed on the Uber model to use the sharing economy to take leftover foods from companies to the needy. Goodr users can order a “rescue” driver on the app to pick up surplus food (the average pickup time is 15 minutes). The app then sends the driver to the nearest participating social service organization to share the donation with those that need it most. The app then aggregates the data for the donating company for use as an additional tax write-off. The company is currently on a sustainable growth path to launch in new markets. While the COVID-19 virus will likely slow down this charted roadmap, we expect good things out of Goodr in the near future.

#3 Motivational Entrepreneur Creates Coaching Success

Gabrielle Bernstein, like Oprah, is a motivational powerhouse. She created a spiritual guide called A Course in Miracles designed to teach self-love and forgiveness with a holistic approach to spirituality that has resonated with women and men around the world. 

Bernstein has written seven books and created a social networking site for women, touring the country offering advice and spiritual support. Her self-help practices are all about how to “take inspired action now,” according to The New York Times. Her goal is to lead people to their version of spirituality and a healthier lifestyle. For Bernstein, her version of the wellness movement is about connecting with whatever empowers you in the universe to be a better, happier person. 

This is good advice for women entrepreneurs, who often feel stuck or at the bottom before launching their own successful venture. Gabrielle suggests the best thing that every entrepreneur can do is to, “Take one little right action toward your dream today.” Fortunately, for the millions of people reading her suggestions every day, she’s obviously good at taking her own advice.

#4 Personalized Subscription Model for Health

Katie Echevarria Rosen Kitchens co-founded FabFitFun 10 years ago. Today the personalized subscription service inspires happiness and well-being in more than one million subscribers. 

Like a lot of women entrepreneurs who gained success, Katie took a circuitous route to get there. She started her career in TV production but took a magazine journalism class and fell in love.  She got her first taste of the gig economy when she sold a few articles. A few years later she met her soon-to-be partners, Michael and Daniel Broukhim, and launched FabFitFun as an online magazine for women. 

As the site grew more successful, Ms. Kitchens realized they were reviewing and writing about all kinds of great products. Why not share them with their readers? A decade ago, the idea of a boxed subscription service was relatively new. The FabFitFun founders knew how exciting it was to get something in the mail other than a bill. FabFitFun thought sending samples to subscribers would brighten their day as well as introduce them to fitness, fashion, and beauty products.

Some of the biggest challenges in those early days came less from finding a women-owned business loan and more from transitioning a staff of writers into a product fulfillment team. Understanding how to curate the box content was just as hard as figuring out how to promote and sell the subscription idea to consumers who had really never seen anything like it before. 

The irony is that the new subscription box forced Kitchens and her team out of their own boxes. In an interview with VoyageLA, she states:

“It’s a little funny that it took our FabFitFun box to break me out of my box, but it has been really fun to learn an entirely new set of skills in my thirties. And I ’ve learned that we are all so much more than the boxes we put ourselves in.”

#5 This Woman Has 17 Million Roommates 

Angelica Nwandu founded the entertainment news site The Shade Room in 2014 and the growth of this media empire has been astonishing. Today, Nwandu is one of the biggest voices in new media. The Shade Room, which is an entertainment site focusing on Black celebrities, experienced financial growth of 50 percent each year with projections to continue this trend. From launching the site on Instagram with 10,000 followers in two weeks to having more than 17 million followers (Nwandu calls them her “roommates”) today, this media site has seen unprecedented growth and shows no signs of slowing. But the path to entrepreneurship was not easy.

Ms. Nwandu is a child of the foster care system and came from a broken and violent home. She fought her way back and received an accounting degree in 2012 but knew this wasn’t the life she wanted. Angelica was a poet and writer at heart, and in 2014, she won a $5,000 scholarship from the Sundance Institute. While she had a job as an accountant, she followed her passion and turned her passion for pop and celebrity culture into an entrepreneurial venture.

By 2016, the site moved away from pure popular culture to include politics and life-style issues relevant to Black culture. Capitalizing on her success, Nwandu also began to repay the community that supports her by developing stronger partnerships with Black entrepreneurs. She knew that small business loans were tougher to get in the Black community and that women-owned business loans were also harder to secure. 

Fast Company reports that, to date, Angelia has helped launch or supported more than 400 entrepreneurs in the community she serves.

When asked about her phenomenal success in the admittedly fickle media industry, Ms. Nwandu says the best way to grow business for her has been through, “testing the waters, but you also have to trust that that’s the route that’s going to take you to success. It’s trusting in my instincts that these are the routes that will grow and expand.”

Thinking of Starting a New Business?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584


Growth On-The-Go

5 of the Best Business Podcasts to Inspire Your Business Growth

As business owners, we have many tasks, wear multiple hats and have a never-ending list of goals and dreams. So how does such a busy person handle growing as a business owner and in their industry knowledge? It’s all about podcasts – learning on-the-go. Entrepreneurs are used to their minds running a mile a minute and having an incredible urge to keep their brains consumed by information and learning. Podcasts allow for any existing or potential business owner to fill their in-between moments (walking, driving, pretending to pay attention to something else, etc) with knowledge. 

As follow business owners and entrepreneurs, we have gone through lists of business podcasts to create this list of 5 of what we consider to be the best podcasts to start your journey into the world of business learning on-the-go. Give these a listen and let us know what you think!

1. ENTREPRENEURS ON FIRE

If you are a potential business owner or entrepreneur looking for a podcast that is high energy and filled with information to get you excited about starting a new business, this is a fantastic choice. It is inspirational and will help your mind get in gear about strategy. 

LISTEN:  Entrepreneurs on Fire

WHO: John Lee Dumas created this award winning business podcast to help inspire and educate young entrepreneurs. 

It has hosted over 2,600 interviews with industry experts such as Gary Vayerchuk, Tony Robbins, Seth Godin, and Tim Ferris. 

It differs from other podcasts as it publishes new episodes every single day of the week.

WHAT: The goal of Entrepreneurs on Fire is to deliver the inspiration and strategies needed to fire up your entrepreneurial journey. 

Host John Lee Dumas interviews inspiring entrepreneurs to bring his audience tips and advice for their own journeys.  

2. STARTUP

Continuing that adventure for new business owners, “Startup” is the best place to go for a look into what creates and launches a startup business. Whether you are a first-time business owner, or you are an entrepreneur who is looking to start your next business, this podcast is full of little gems to move you forward. 

LISTEN: StartUp

WHO: The former NPR employee, Alex Blumberg created StartUp to follow him through the launch of his startup, Gimlet Media. 

StartUp has been downloaded tens of millions of times since launching in 2014. It’s first season has been adapted into an ABC sitcom called Alex, Inc. starring Zach Braff. 

This amazing business podcast has won a Gracie Award and the Gerald Loeb Award for Distinguished Business and Financial Journalism. 

WHAT: StartUp is exactly what it sounds like. A podcast about what it’s really like to start a business. It is presented in the form of a documentary series about entrepreneurial life. 

The first two seasons follow stories of starting businesses – season 1 is about Gimlet Media and Season 2, a dating company called “Dating Ring”. The third season follows a new business each episode. 

Check out StartUp for a different twist each season and to get insight into the mistakes and successes these entrepreneurs have made in the startup world. 

3. MASTERS OF SCALE 

Once you have started a business, what is the next step? Growth. You want to structure your business in a way that makes it easily scalable. “Masters of Scale” is an amazing podcast that is chock full of growth strategies. 

LISTEN: Masters of Scale

WHO: Masters of Scale is an award-winning business podcast hosted by Reig Hoffman, co-founder of LinkedIn and investor at Greylock. He is known for his spot-on insights on how to scale an organization from zero to 100 million users or more. 

He serves on the boards of Airbnb, Convoy, and Microsoft. They set out to describe and prove theories that explain how great entrepreneurs scale and grow their companies. 

WHAT: This is one of the best business podcasts out there for startup founders, it’s perfect for anyone who is trying to succeed in building a high-growth business. 

You’ll hear from guests such as iconic CEOs from Nike to Netflix, Starbucks to Slack. Each shares their stories on growing from startups to global brands. 

Reid and his guests talk entrepreneurship, leadership, strategy, management, fundraising, and also about the human journey of failures and setbacks.

4. PROBLEM SOLVERS

Obstacles can occur for any business owner, no matter how experienced. Being able to identify the obstacles and create strategies for dealing with them or avoiding them altogether is the best way to ensure your road ahead is paved for success.  

LISTEN: Problem Solvers

WHO: Problem Solvers is brought to you by Entrepreneur’s editor and Chief, Jason Feifer. It is part of the series of podcasts featured by Entrepreneur magazine which is known as the premier source for everything small business. 

They provide advice, insight, profiles and guides for established and aspiring entrepreneurs world wide. 

WHAT: Problem Solvers business podcast features a variety of business owners and CEOs who went through a crippling business problem and came out on the other side bigger and stronger. 

They offer tips on how to solve and deal with issues that arise in the business industry. Problem solvers also offers insights and advice on leading a business during a pandemic.  

5. SOCIAL MEDIA MARKETING 

Every business needs marketing. It’s basically rolling out the red carpet for your products or services. Get actionable tips to grow your online presence with this dynamite podcast. 

LISTEN:  Social Media Marketing

WHO: Social Media Examiner has helped millions of businesses discover how to best use social media to connect with customers, drive traffic, generate awareness, and increase sales. 

Their Social Media Marketing podcast has been a top-10 marketing podcast for the last seven years. 

This podcast will help you boost your marketing skills and keep you up-to-date with the ever-changing world of social media.

WHAT: This podcast features success stories and expert interviews from leading social media marketing pros weekly for 45 minutes. 

They cover stories on how successful small businesses employ social media, learn new strategies and tactics, and gain actionable tips to improve your social media marketing.

Thinking of Starting a New Business?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584

Frightening Mistakes Every Small Business Owner Should Avoid


As every business owner learns at some point in time – mistakes happen. Whether you have a new business or you are a veteran entrepreneur, here are a few tips to help you avoid falling victim to the following scary business mistakes. 

All By Myself

For many people, running their own business is all about the freedom of working for themselves. However, just because you work for yourself, doesn’t mean you have to—or should—go it alone. Identify areas where you can use some help. For example, start with the financial side of your business. If numbers aren’t your area of expertise, working with an accountant to develop a proper financial plan can help keep your balance sheet in the black. 

A Matter of Trust

While it’s helpful to have people you can bounce ideas off of, it’s imperative to build a team of professionals that you can trust to help you run your business. This requires you to identify areas in need of support, such as sales, marketing or client services, and then recruit candidates with the right skill set to handle a given job.

No [Financial] Plan

This may be one of the scariest mistakes that business owners can make. If you haven’t done the proper planning, it’s exceptionally difficult to achieve your financial goals. A solid financial plan enables you to monitor the metrics critical to business growth, such as:

• Required capital to build and run your business based on your long-term goals.

• Level of revenue, profits and expenses you can expect within a specific time frame. 

• Required capital to pay for outsourced services, equipment and other expenses.

Having a financial plan in place is one area where you don’t want to skimp. Hire a professional with the appropriate experience to support you here.

Measure Up

Key Performance Indicators (KPIs) are specific data points that allow you to measure business performance (compared to goals) in multiple areas. Here are a few standard KPIs every business owner should pay attention to: 

• Sales revenue

• Net profit margin

• Gross margin

• Monthly recurring revenue 

Because every business owner will have unique goals, your KPIs may vary. This is why you want a seasoned financial expert in your corner. 

Take steps now to avoid these scary business mistakes If you have made any of the mistakes listed above, take action today. Start by identifying the most pressing issue and then make a plan to correct it—whether that means recruiting new staff or updating your financial plan. Here’s to your business success!

Thinking of Starting a New Business?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584

Types of Loans for Your Business


Getting a business loan sounds simple — until you realize how many types of loans exist and how many lenders offer those loans. Suddenly, you find yourself overwhelmed by choices that you didn’t even know existed. That’s where we come in. We can help you to navigate the loan landscape and find which loan is the best fit for you and your business. 

The best place to start is by identifying what your specific use will be for the loan. If your objective for the money isn’t clear, it’s safe to say you have work to do before knocking on a lender’s door. Create a solid plan, and then determine the specific amount of money needed to make it happen. Also consider how long you would like to have to pay the money back.

There are many types of loans available to business owners out there. We’ll go through a few of the favorites:

Business line of credit

A business line of credit is revolving, so rather than receiving a lump sum, you can access the money as many times as required. There’s no pressure to dip into the money, but it’s always there. Whether you’re using it to purchase equipment, add inventory, hiring staff, expand to a new location, pay invoices, or add a vehicle to your fleet, you’ll only pay interest on the exact amount of money you use.

SBA loan

The main purpose of the SBA (Small Business Administration) is helping small businesses find the funding and resources they need. In particular, the SBA assists small businesses that are disadvantaged and might not be able to get help otherwise. One downside to SBA loans is they’re famous for being slow and paperwork-intensive. For example, if you submit an application in early July, you often won’t see the funds until August or September. In some cases, it might even stretch into October.

SBA loans are unique because the aforementioned agency isn’t actually the lender. Rather, it guarantees a substantial portion of each loan, which reduces other lenders’ risk and makes them more willing to approve your request.

Before you apply for an SBA loan, you’ll need to gather all the necessary documentation. You’ll need to include your business license, 2 years of business tax returns, 2 years of personal tax returns, YTD Profit and Loss statement, YTD balance sheet, and a debt schedule.

Business term loan

A business term loan is a great way to acquire working capital, expand your business operations, purchase equipment, hire additional staff, or whatever else it is that you need.

Plan on your business term loan repayment terms to be somewhere between 1-5 years. These loans have a fixed interest rate or flat fee, so the payments will never go up during the lifetime of the loan. A major benefit of this loan is it’s easier for you to identify how much you can afford to borrow, while also making it less stressful to pay off.

Merchant cash advance

With a merchant cash advance, you borrow against your future earnings to secure the financing you need. Once you’ve been approved and the funds are advanced to your account, you’ll begin repaying the loan by having an agreed upon percentage of your daily credit card deposits withheld for the lender. Your advance can be used for myriad purposes, so this type of financing has earned a reputation among entrepreneurs for being very flexible.

Startup loan

It will always be tough to build a business, but you don’t have to bootstrap things to the extreme. A startup loan gives you the capital necessary to lease office space, build inventory, purchase equipment, hire and train staff, and cover your other regular expenses.

To qualify, it’s usually necessary to have a credit score of 680 or higher. A lender will also want proof that you have experience in the industry related to your small business. Some lenders will also request collateral to secure your loan. This assurance might include personal assets like a house, car, or boat.

Thinking of Starting a New Business?

Now is the time! With our society ready to get back in action (safely), new business concepts are quickly emerging with creative flows for serving the public without the high risk of spreading the virus. Put your innovative business concepts into play, and connect with us to get the funding you need to start your newest venture!

Financial restraints have been a complaint for many of the dreamers, limiting themselves to their immediate funds. There is an alternative. If you have the dreams and decent credit, Small Business Loans and No Doc Loans are available to you. Our goal is to provide you with the knowledge you need and the resources available to make your dream a reality. Give us a call – we have the education and the perspective to help you obtain the loans you need for your small business. Visit our website or give us a call to find out what financial backing is available to make your business soar!

Unsecured Finances has over 10 years in the consulting business! We specialized in educating and assisting clients on acquiring Unsecured Business Loans and Start-Up Business Specialty Loans including; Unsecured No Documentation (No-Doc Stated Income) Loans, Unsecured Business Loans, and Unsecured Start-Up Business Loans and Lines of Credit from $10,000 to $500,000 without Assets.

Apply on our website to find out if you qualify, or call today for a free consultation: 1-888-294-2584