Top Loans to Benefit Your Business: Start-Up


UNSECURED START UP LOANS

The unsecured start up business loan was created to give our clients the financial resources to start their own businesses without the hassle of an SBA loan.  The start up phase of any business is one of the hardest times to acquire the necessary working capital and other resources needed to make your business thrive.  Our funding solutions solve this problem for you so you can concentrate on your business.

SO WHY WORK WITH OUR COMPANY?

Its Simple.  Our consulting staff is made of ex bankers, underwriters and business financing experts.  Getting clients capital is about understanding the lending process and how you actually look to a potential banker or investor.  We are the experts in understanding the clients financial needs and the potential of them getting what they want.  Different types of funding methods are available including pubic, private, wholesale and niche lenders that work with different types of clients.  Loans, lines of credit and private funding are available for extended terms up to 7 years.

WHAT WE DO NOT OFFER?

Our financing programs are NOT MCA (Merchant Cash Advance) or factoring loans.  They are NOT daily payment loans or short term notes.  They are NOT 6 to 12 month terms.  The terms are up to 7 years with a monthly payback.  We offer long term financing for working capital, business acquisition and other startup needs.

WHAT DO WE OFFER?

Our loans and lines of credit range from $10,000 up to $500,000 and can be used for any startup purpose including business acquisition, working capital, inventory and payroll.  Preset fixed rate loans up to 7 years (varies by state) with monthly payments and no prepayment penalty.  Our funding comes from loans, lines of credit and business credit cards.  Specialty lenders and private investment groups are able to handle larger loan sizes ($200,000+) and fund what most banks won’t touch.

HOW DO I KNOW IF I QUALIFY?

Call us or apply online and one of friendly staff members will let you know.  We need at least a 650 personal credit score to apply.  A 5-10 minute phone interview is all we need to qualify you for any of our various programs.

 No assets, business plan or lengthy paperwork needed.

 Clients are pre-qualified in less then 1 hour using a soft pull credit based system.

Every type of start up business allowed.

Longer term loans up to 7 years. Varies by state.

No doc stated income loans and lines available.

Home Based Business Financing – Internet Based Business Financing – Cash Only Paid Business Financing – Bridge Startup Financing – Real Estate Flippers – Contractors – Import/Export Companies – Consultants

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 Handle Poor Personal Credit Scores When Applying for a Business Loan


When you come to us for a business loan, it is true that we will do everything in our power to help you get the most funding possible for you. But what happens when it all comes down to your personal credit score? This is something we see a lot of first-time business owners scratching their heads about, especially when applying for a start-up loan from us. 

So what do you need to know? Let’s take a look at how your personal credit score will affect the types of business loans you would be approved for, how much you will get, and so on. Keep in mind that our team of highly trained professionals can give you more one-on-one advice on our phone calls, and we have networks of professionals to help get your personal credit score back on track!

Credit is Important for Business Loan Approval

When you are applying for a business loan, lenders are going to take a detailed look at your credit history to determine the risk involved in providing you with financing. Your credit history shows lenders how well you manage your debts and whether you make payments on time, and it also reports how much money you have borrowed in the past and whether you have ever declared bankruptcy. These factors can tell a lender a lot about the risk they’ll take on if they offer you a loan.

How Often Do Lenders Look at Your Personal Credit Score for a Business Loan?

Most lenders will at least look at your personal credit history when determining your eligibility for a business loan. However, some lenders will put less weight in your personal score than others, which is why you shouldn’t give up on applying for a start-up loan or a business loan. If you already have an established history of good business credit, lenders may put even less weight on a lower personal credit score.

In the following circumstances, you can generally expect your personal credit to matter more for a business loan:

1. Applying for Financing With a Bank or Other Traditional Lender

Banks have strict requirements for lending and don’t have the luxury of being very flexible. On the other hand, Unsecured Finances can help your business to navigate this process to find the best options and how to prepare your application. 

2. Your Company Is a Start-Up or a Small Business

If lenders don’t have enough information to determine your creditworthiness from your business score, they will weigh your personal score more heavily. If you own a sole proprietorship or a small business with only a few employees, it may be hard for a traditional lender to see the distinction between your business’ credit history and your personal credit.

3. Low Personal Credit Score

A few older negative items on your personal credit report shouldn’t make it difficult to receive a business loan, especially if your business’ credit history is strong. However, the more negative items there are on your personal credit history, the more a lender is going to take notice and factor it into their risk assessment.

What Effects Will My Personal Credit Have on My Business?

Your credit history—both personal and business—is only one factor lenders use to evaluate your application, not the be-all and end-all of the financing process. However, credit history is an important factor, and it can have a variety of effects on your ability to acquire the financing you need. Your business and personal credit histories can affect:

  • Whether or not you get approved for a loan
  • Your options for terms and payment schedules
  • The interest rate on your loan
  • The total amount of financing that lenders are willing to provide

What if I Have a Valid Reason for Having Poor Personal Credit?

Independent financing partners have much more flexibility than banks, and they don’t have to treat an applicant’s history as nothing more than a credit score number. For example, if you have poor personal credit due to a single devastating event that does not reflect on your ability to manage your personal funds, an independent financing partner shouldn’t treat this circumstance the same as if you have a long and consistent history of making late payments or defaulting on debts.

The Bottom Line

If you are ready to apply for a business loan, give us a call and we can walk you through the process. Even if your credit score is not ideal for the funding, rates or payment schedule you would like to have access to, we can work with you and our network of professionals to provide you options that will help raise your credit score or remove inquiries on your credit report. 

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 Inquiry Removal Helps with Credit Score


Credit scores naturally fluctuate from month to month depending on your usage, payments and transactions. For the most part, your credit score is directly tied to your actions. Occasionally there will be errors on your report that were out of your control, such as with hard inquiries and lines of credit. If you notice a sudden decline in your credit score, even if only by a few points, you may be suffering from the effect of an unwarranted credit inquiry.

What is an Inquiry?

Simply put, a credit inquiry is a credit check. Inquiries happen when there is a legally permitted request to see your credit report from a company or person. All inquiries aren’t created equal. There are 2 different types: hard and soft. Hard inquiries are ones made with your permission for specific transactions.

Will Inquiries Hurt My Credit?

A soft inquiry occurs in cases where you check your own credit or when a lender or credit card company checks your credit to preapprove you for an offer. Soft inquiries do not impact your credit scores.

Hard inquiries happen when you apply for a new loan or credit card and the lender pulls your credit reports to determine if you qualify. 

Lenders use how many times you have applied for credit to judge whether you should be approved for an extension of credit. In certain circumstances, an unapproved inquiry can be removed from your credit report by sending a credit inquiry removal letter to the credit reporting agency or by disputing it online.

How Our Company Can Help with Your Inquiry Removal

We remove unauthorized hard inquiries by using the FCRA (Fair Credit Reporting Act) laws to permanently remove these inquiries from your credit report.  These extra inquiries will lower your credit scores by 3-5 points each and if you have too many of them 6+ you will still not be eligible for financing even with a very high personal credit score.  Our service removes all unauthorized hard inquiries on all 3 credit agencies.  We charge per deletion and guarantee results of 85% + success to qualify you for funding.

Can I Remove Inquiries from Open Accounts?

No you cannot.  Inquiries that are tied to open accounts are not bad.  Only excessive inquiries NOT tied to open accounts or preexisting accounts.

Can Unsecured Finances Remove Inquiries from All Agencies?

Yes we can!  We are successful on all 3 agencies including Equifax (EFX)

Is it a Good Idea to Remove the Inquiries? 

Every inquiry on your report cost you 3-5 points on your fico score.  Removing excessive inquiries makes you eligible for funding, makes your score go up and makes you look better to get approved for future capital.

How Long Does it Take to Remove the Hard Inquiries?

Generally Experian and Transunion is the quickest within 3 weeks.  Equifax takes the longest.   Due to the coronavirus and the government fines against Equifax from the identity breach (In September 2017) the time to get inquiries deleted takes 6-12 weeks.

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 Do I Remove Inquiries from My Credit Report?


Everyone is trying to back in the groove now that 2020 is further and further back in our rearview mirror. Whether you are applying for a new home or a start-up loan for a new business, it’s important to know how your credit report will affect the funding available to you.

Simply put, a credit inquiry is a credit check. Inquiries happen when there is a legally permitted request to see your credit report from a company or person. All inquiries aren’t created equal.

TYPES OF INQUIRES

There are 2 different types: hard and soft.

Hard inquiries are ones made with your permission for specific transactions. When you apply for credit—be it a credit card, mortgage or car loan—the potential lender will generally pull your credit before deciding whether to approve your loan application and what the terms might be.

Soft inquiries won’t show up on reports requested to evaluate your credit-worthiness. Every time you check your credit report, a soft inquiry is generated. Among other reasons, soft inquiries happen when creditors check your credit to determine any pre-approved offers.

WHY DO I HAVE SO MANY INQUIRIES?

Clients having too many inquiries in today’s world is very common.  A lot of financial companies put an unnecessary amount of inquiries on the clients credit report when trying to get them financing.  Once you have excessive inquiries on your credit report then getting any type of financing will be close to impossible.

WHY DO CLIENTS GET TURNED DOWN FOR FINANCING WITH TOO MANY HARD INQUIRIES?

When your file gets to underwriting having too many inquiries could mean the following.  1.  You are desperate for capital  2.  The file is fraudulent  3.  You are stacking the funding.  Stacking the funding means you have been approved for capital from other places already but it has not shown up on your credit report yet.

HOW CAN OUR COMPANY HELP YOU?

We remove unauthorized hard inquiries by using the FCRA (Fair Credit Reporting Act) laws to permanently remove these inquiries from your credit report.  These extra inquiries will lower your credit scores by 3-5 points each and if you have too many of them 6+ you will still not be eligible for financing even with a very high personal credit score.  Our service removes all unauthorized hard inquiries on all 3 credit agencies.  We charge per deletion and guarantee results of 85% + success to qualify you for funding.

CAN I REMOVE INQUIRIES FROM OPEN ACCOUNTS?

No you cannot.  Inquiries that are tied to open accounts are not bad.  Only excessive inquiries NOT tied to open accounts or preexisting accounts.

CAN YOU REMOVE INQUIRES FROM ALL AGENCIES?

Yes we can!  We are successful on all 3 agencies including Equifax (EFX)

IS IT A GOOD IDEA TO REMOVE THE INQUIRIES?

Every inquiry on your report cost you 3-5 points on your fico score.  Removing excessive inquiries makes you eligible for funding, makes your score go up and makes you look better to get approved for future capital.

HOW LONG DOES IT TAKE TO REMOVE THE HARD INQUIRIES?

Generally Experian and Transunion is the quickest within 3 weeks.  Equifax takes 5 to 6 weeks.

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

Marching Into Business: Why 2021 Could Be the Best Year for a Start-Up


Clearly 2020 was a year of discouragement for a lot of business owners and those in the workforce. However, it has moved us to embrace the fact that a great many things are out of our control and has given us a clearer picture of what was broken in the business world and what was working. With that in mind, many entrepreneurs are taking this new chapter and leaping into the eager new business world. It is during times like this when a new wave is created — not only in how business is done, but also in leadership.

  • 1957 – 1958 during the recession, the first Hyatt hotel opened.
  • 1973 – 1975 Microsoft was founded during the embargo recession.
  • 2007 – 2009 during the Great Recession, we saw the creation of several startups like Uber as well as popular vacation rental marketplace Airbnb. 

If you’ve been wondering whether or not now is the best time to start a company, or if you’ve already started to dip your toes into entrepreneurship but are second-guessing your decision, here are 3 reasons why you should trust your instincts and go all in.

  1. Consumption of Online Content is Higher Than Ever

Consumers’ ever-increasing problems mean they’re seeking more solutions than ever. It’s now become easier and more accessible for everyday people to start businesses such as e-commerce, virtual assistant work, coaching, or becoming a freelance writer, designer or developer.

E-commerce has spiked by nearly 40% in the wake of Covid-19. 

If you think about how your own consumption and purchasing behaviors have changed over the last few years, it’s easier to spot trends in where we are heading in the world of consumption and business.

If you think about what solutions you wish you had, that aren’t currently being met, chances are there are others looking for the same solutions.

  1. Introspection Leading to Innovation

As we began to spend more time in our homes, we had more time to do what we loved. For many of us, this meant cooking, writing, speaking, and creating in ways that are unique to our own genius.

We so often doubt ourselves and what we are good at — to the point where it stops us from taking the next step toward our highest desires. We believe that our gifts are not unique gifts. We believe our talents come easily to everyone, when in reality, you’re incredibly gifted.

While some people may be good at your talents or able to learn them quickly, they may not necessarily enjoy it. When you enjoy it, your passion and energy shines through your work. Work becomes effortless and enjoyable when you’re living in true alignment with your soul and heart’s desires.

  1. Recessions Expand the Available Workforce

The pandemic forced millions of people out of their jobs. If those people don’t decide to start their own companies, they’ll be looking to join those who do, putting their experience and expertise where it’s most valued.

Not only are we helping those in need of financial relief during challenging times, we are connecting those same people with missions and new business ideas that are truly life-changing.

If you’re hesitant about starting a business during this time, look for the reasons why it will work, instead of why it won’t — because what we focus on grows.

The world of online business is the new normal, and many successful leaders, businesses, and companies are creating during times of turmoil.

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

Businesses: Marketing Tips for Valentine’s Day 2021

Businesses are optimistic about preparing for Valentine’s Day this year, so marketing is more important than ever before! Let’s dive into how you can maximize your marketing strategy to make the most of this lovely holiday.

Valentine’s Day Marketing Strategies

Any holiday associated with gift giving presents an opportunity for ecommerce business. Valentine’s Day is no exception. Let’s take a look at some of the Valentine’s Day marketing strategies you can use to tap into the holiday spending and look at examples of how merchants have curated successful campaigns.

Think outside the box (of chocolates).

So you don’t sell candy, flowers, or jewelry. That doesn’t mean you can’t capitalize on Valentine’s Day holiday shopping! With the right messaging, even products not traditionally considered for Valentine’s Day could become part of your loyal customers’ gifting plans.  

Start sending Valentine’s Day-themed emails.

Remind your email subscribers of the upcoming holiday with Valentine’s Day-themed email marketing. Make sure your emails have a catchy subject line and copy to keep your customers engaged.

Schedule emails for two weeks before Valentine’s Day to ensure that your products remain at the forefront of the customers’ minds (without being overbearing). And don’t forget about last minute shoppers — especially common on Valentine’s Day.

Provide shoppers with gift guides.

Buying gifts for loved ones, whether it’s a best friend or significant other, can be a real challenge, especially if you want to stray from the traditional candy-flowers-teddy bear equation.

Give your customers some help with a gift guide! 

Holiday-themed gift guides are a great way to provide customers with ideas for what to buy. It is a great opportunity to highlight products that your audience wouldn’t have normally thought of.

Share the love on social media.  

Social media is a great place to get creative with your campaigns. Connect with your customers on Valentine’s Day by sharing anything special your shop is doing for the holiday.

To broaden your reach, consider engaging with common Valentine’s Day hashtags, or use a unique campaign hashtag and encourage your customers to share their own love stories or photos — then make use of all the great user-generated content.

Create daily deals and time-sensitive offers.  

Create a promotion with a countdown timer. Shoppers are urged to make an instant purchase if they have limited time to qualify for a sale or special offer. Here’s another example from Bottle Breacher showing how they added a sense of urgency to their special holiday offer.

You could also consider keeping customers engaged with a special holiday giveaway.

Tailor your paid search messaging.

Let’s face it — shoppers are going to be searching for gift ideas. Why not make sure your store shows up high in their search results?

Create a marketing campaign with related keywords and tailored Valentine’s Day ad copy, like this La Perla example below (which also does a great job of creating a sense of urgency by including the latest order date for on-time delivery).

Drop a new product.

Cleaning supplies are not everyone’s idea of a good time, but Mrs. Meyer’s makes cleaning cute by dropping their limited edition rose scent around Valentine’s Day. The design and copy of this tweet tie the two together in a super creative way.

Keep your promotions going until the last minute.

If you’ve ever been in the grocery store or pharmacy on Valentine’s Day, you already know this — it’s a holiday notorious for last-minute shopping.

So, while you can start peppering in your promotions early, don’t stop short.

If you’re selling in a brick-and-mortar, be ready for an uptick in sales in the days and hours leading up to Valentine’s Day. And on the ecommerce side, reinforce your shipping deadlines to prompt shoppers to pull the trigger.

Capitalize on anti-Valentine’s Day sentiment.

Not everyone is in love with love. Of the 44% of men and 46% of women who say they’re not planning to celebrate Valentine’s Day, 28% and 30%, respectively, say they still plan to mark the occasion somehow.

Plans include getting together with friends, treating themselves to something they want, or purchasing an “anti-Valentine’s Day” gift. Just like LARQ found a way to put a Valentine’s Day spin on their water bottle, think about ways you can market your products to all your anti-valentines.

Conclusion

Valentine’s Day isn’t the niche opportunity it used to be. Brands and merchants well outside of the typically popular gift categories can, with the right messaging, take advantage of the uptick in holiday shopping. Take these marketing tips and turn them into a love-filled campaign full of goodness for your 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

Businesses Preparing for Valentine’s Day 2021

There may be a lot of apprehension concerning Valentine’s Day this year in 2021 for a lot of businesses. The question remains about how much business they should be preparing themselves for. However, many publications have predicted this Valentine’s Day to big a success, especially following this past year. 

Setting aside some time to plan a thoughtful Valentine’s Day promotion can really help your business compete. With some easy tips and targeted promotions, you can make this a successful holiday for your business!

Remember to keep your customers and staff safe by adhering to standard COVID guidelines (wearing a mask, frequent hand washing, social distancing, etc.), and adhere to all local and state health regulations.

Safety Issues

Leave enough room in your store so that customers are not in close contact with each other. Keep the area near your cash register as open as possible and ensure that aisles are wide enough to allow for ease of movement and distancing. If you’re providing online shopping and delivery, clearly spell out your order deadlines and delivery options. If you’re providing curbside pick-up as an alternative to delivery, train your staff in your process.

Marketing Basics

Review your customer base to decide who you want to target (men, women, younger/older adults, etc.), and plan accordingly with your merchandise or services.

  • Decorate your business. Visit your local party supply store and pick up pink, red, and white decorations.
  • Create window displays. If your business has a front window, advertise your Valentine’s related goods and services in this prime real estate.
  • Review what you ordered last year to see what was popular and what didn’t sell well.
  • For many businesses, such as florists and candy stores, it’s the busiest time of the year, so hire additional staff as needed.
  • Spotlight your Valentine’s Day items by placing those goods in one area, preferably close to the door and/or checkout area. Make this area stand out with decorations and signage.
  • Increase sales with gift sets. If you sell items that go together well, consider creating gift sets at a discounted price. Items such as candles, soaps and lotions are complimentary.
  • For a service business such as a hair styling salon or spa, consider offering discounts for package deals on services.
  • Create special items just for Valentine’s Day. Consider making special items created or sold once per year; a chocolatier, for instance, could make special heart-shaped candies and include cute sayings about love on larger pieces.
  • Don’t forget that men and women both shop for this occasion. Dedicate a special section of “for him” and “for her” gifts.

Marketing Campaigns

Online shopping has seen an increase in the age of COVID, so update your website and social media accounts with any changes to your business (such as safety procedures and online shopping/delivery options), as well as new products and specials. There are many styles of marketing campaigns to engage customers, including direct mail, email, social media, and in-store signage. An email is one of the cheapest ways to communicate with clients, but send email promotions early so people can plan gift ideas ahead of time. Use Instagram, Twitter, and Facebook. While it’s good to plan ahead with posts leading up to Valentine’s Day, you can also post information at the last minute and still reach shoppers via social media.

Tips

While many of the tips offered above also apply to restaurants, there are a few special considerations:

  • Much of your business this year will likely be takeout or delivery, so review these procedures and change as needed. 
  • Make sure you have enough staff and that they’re trained to handle increased business.
  • For customers who place orders online in advance of the day, provide specials such as free dessert or discounts on appetizers.
  • Don’t forget to order plenty of take-out packaging.
  • In order to keep staff and customers as safe as possible, allow pickups only at the front door or a designated window rather than letting customers inside.If that’s not possible, serve one customer at a time inside to avoid crowding. You can also use curbside delivery.
  • Finally, don’t forget that Valentine’s Day isn’t just for romantic partners, but many loved ones. People, especially women, may buy gifts for children, parents, friends, coworkers, and even their pets!

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