The loan programs listed below can help you develop, expand or sustain your small business.

1. Flexible Term Lending Program:  These loans can range in size from $50,000 to $5 million with terms of 7-25 years, based on the use of proceeds. These loans are structured without balloon payments with floating interest rates (up to 2.75 percent over prime). This lending program is good for many industries, including manufacturing, wholesaling, retailing and construction. To be eligible for this type of loan, your business must be operated for profit, be located in the United States and must be owned by a U.S. citizen or resident alien. As the business owner, you have to demonstrate repayment ability from earnings and cannot be involved in investing in real estate, religion, politics or sex.
2. Fixed/Floating Rate Program: This type of loan program is structured so that there are no balloon payments, with interest rates fixed based on current market rates. The term of the loan is based on use of proceeds. To be eligible for this type of loan, your business must be operated for profit, be located in the United States and must be owned by a U.S. citizen or resident alien. As the business owner, you have to demonstrate repayment ability from earnings and cannot be involved in investing in real estate, religion, politics or sex.
3. Conventional Real Estate Loan Program: This type of loan program is a financing tool that can help you acquire commercial real estate. You can use the money from these loans to purchase, renovate, expand or refinance commercial real estate. With this program, you may be able to secure a loan up to $5 million with terms up to 30 years. There are fixed/variable rates and multiple prepayment options.

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The “Startup America” legislative agenda proposes to provide a 10% income tax credit on new payroll for small businesses that added jobs or increased wages in 2012 and to permanently double the amount of startup expenses entrepreneurs can deduct from their taxes to $10,000, according to a White House press release.

The agenda also seeks to extend 100% first-year depreciation for qualified property acquired and placed in service before January 1, 2013 and to allow small businesses and startups to raise money through crowd funding, the release said. The Small Business Investment Company Program would also allow up to $4 billion in annual support, up from $3 billion in the year prior.

Here’s what small business owners have to say about the president’s proposal.

bittle-D, New York City

Co-founder of the organic t-shirt company, Danielle Cascerceri, said the burdens of small business owners are not usually given as much attention as the hardships of large companies. Any help from the government would be a positive for the small business community.

“To see the government offer a few concessions to small businesses is a step in the right direction,” Danielle said. “It’s not easy to start a business in this economic climate and every little bit helps.”

Dorothy Cascerceri, sister and fellow co-founder, said that while the company will likely not bring on any additional staff members due to these incentives, it’s nice to know there is a bonus out there for those who are hiring.

“Costs are such a huge part of starting your own company, so the higher the allowable tax deductions are, the more helpful this legislative agenda will be to people who want to follow their own dreams into the entrepreneur arena,” Dorothy said.

Getaround, San Francisco

Tech-savvy business co-founder Sam Zaid said the peer-to-peer car sharing company is particularly interested in Obama’s proposal for crowd funding.

“This could potentially open up whole new opportunities for raising growth capital for innovative new businesses like ours. It’s something we’ll be keenly watching,” Zaid said….

CREDIT: Written By Kate Rogers   Published February 03, 2012   FOXBusiness

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Google Panda

Are you aware that the latest slew of Google algorithms named “Panda” actually began in February, 2011?

They are striking fear into the hearts of many webmasters and SEO experts. When it comes to quality, high performance SEO, Google can be your greatest friend as well as your worst foe. Do things that Google smiles upon and you will stay in their good graces. On the other hand, try to deliver less than the formula that Google feels that their users deserve to see and well…the results can be chilling. Your traffic is going to go down the drain.

Consider this sobering fact: Any change to the Google algorithm does not reduce the number of people searching on the web! If your website seems to have fallen out of favor with Google it simply means that as cold as it may be, another website has been substituted it on the search engine results page (SERP).

When it comes to the intricacies of Panda and the other top search engine algorithms as well, DomainEngines can help you regain and perhaps surpass your old rankings and get your traffic back where it belongs.

The complexities of the challenge vary depending on a host of factors not the least of which is the design and content of your website itself.

DOMAIN ENGINES CAN HELP YOU GET YOUR LUNCH BACK!

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