Loans | Small Business Tips

February 4, 2011

Small business loans FAQ

Filed under: Small Business Tips — Tags: Business, Loans, Small — admin @ 9:17 pm

Small business loans FAQ=900)&&(!c)){k.push([m,n])}else{m.src=n}},300)};var b=function(n){function m(r){var s=r;while(s.parentNode){var q=(window.getComputedStyle)?window.getComputedStyle(s,”"):s.currentStyle;if(q.display==”none”||q.visibility==”hidden”){return true}s=s.parentNode}return false}var p=0;var o=n;while(o.offsetParent){p+=o.offsetTop;o=o.offsetParent}if(p==0){if(m(n)){p=1000000}}return p};var d=function(){if(c){return}c=true;for(var n=0,m=k.length;n document.body.offsetHeight ? document.body.scrollHeight : document.body.offsetHeight + ‘px’)}*:first-child+html
#TB_window{position:fixed;background:#fff;z-index:99102;color:#000;display:none;border:4px
solid #525252;text-align:left;top:50%;left:50%;overflow-x:hidden;overflow-y:hidden}#TB_window{position:fixed;background:#fff;z-index:99102;color:#000;display:none;border:4px
solid #525252;text-align:left;top:50%;left:50%;overflow-x:hidden;overflow-y:hidden}* html
#TB_window{position:absolute;margin-top:expression(0 – parseInt(this.offsetHeight / 2) + (TBWindowMargin = document.documentElement && document.documentElement.scrollTop || document.body.scrollTop) + ‘px’)}#TB_window
img#TB_Image{display:block;margin:15px
0 0 15px;border-right:1px solid #ccc;border-bottom:1px solid #ccc;border-top:1px solid #666;border-left:1px solid #666}#TB_caption{height:25px;padding:7px
30px 10px 25px;float:left}#TB_closeWindow{height:28px;padding:11px
25px 10px 0;float:right}#TB_closeAjaxWindow{padding:7px
10px 5px 0;margin-bottom:1px;text-align:right;float:right}#TB_closeAjaxWindow
img{vertical-align:middle}#TB_ajaxWindowTitle{float:left;padding:7px
0 5px 10px;margin-bottom:1px;font-weight:bold;font-size:14px}#TB_title{background-color:#e8e8e8;height:27px}#TB_ajaxContent{clear:both;padding:2px
15px 15px 15px;overflow:auto;text-align:left;line-height:1.4em}#TB_ajaxContent.TB_modal{padding:15px}#TB_ajaxContent
p{padding:5px
0px 5px 0px}#TB_load{position:fixed;display:none;height:13px;width:208px;z-index:103;top:50%;left:50%;margin: -6px 0 0 -104px}* html
#TB_load{position:absolute;margin-top:expression(0 – parseInt(this.offsetHeight / 2) + (TBWindowMargin = document.documentElement && document.documentElement.scrollTop || document.body.scrollTop)+’px’)}#TB_HideSelect{z-index:99;position:fixed;top:0;left:0;background-color:#fff;border:none;filter:alpha(opacity=0);-moz-opacity:0;opacity:0;height:100%;width:100%}* html
#TB_HideSelect{position:absolute;height:expression(document.body.scrollHeight > document.body.offsetHeight ? document.body.scrollHeight : document.body.offsetHeight+’px’)}#TB_iframeContent{clear:both;border:none;margin-bottom:-1px;margin-top:1px;_margin-bottom:1px}dl.accordion-menu{margin:0;padding:0;clear:both;width:154px;border:1px
solid #dcdcdc;border-top:none;margin-bottom:15px}dl.accordion-menu dt.a-m-t{margin:0;background:url(http://images.articlesbase.com/sprite_category_menu.png) left top no-repeat;background-position:0px -29px;height:18px;padding:4px
0 0 5px;border-bottom:1px solid #dcdcdc}dl.accordion-menu dt.a-m-t-hover{font-weight:normal;background:url(http://images.articlesbase.com/sprite_category_menu.png) left top no-repeat;background-position:0px -54px}dl.accordion-menu dt.my-links{}dl.accordion-menu dt.my-links
a{display:block;float:left;width:125px;height:18px;padding:4px
0 0 5px;margin-bottom:-22px;position:relative;color:#000;text-decoration:none}dl.accordion-menu dt.my-links a:hover{font-weight:normal;color:#06C}dl.accordion-menu dt.a-m-t-down{}html.accordion-menu-js dt.a-m-t{cursor:pointer;zoom:1}dl.accordion-menu dd.a-m-d{margin:0;padding:0;padding:0}html.accordion-menu-js dd.a-m-d{display:none}html.accordion-menu-js dd.a-m-d-expand{display:block}html.accordion-menu-js dd.a-m-d-before-expand{display:block;position:relative;z-index:-1;opacity:0;height:auto !important;visibility:hidden;overflow:visible}html.accordion-menu-js dt.a-m-t-expand{font-weight:normal;background:url(http://images.articlesbase.com/sprite_category_menu.png) left top no-repeat;background-position:0px -54px}html.accordion-menu-js dd.a-m-d-anim{overflow:hidden;display:block}.bd{background:#f5f8fd}.bd a, .bd
span{text-decoration:none;border:1px
solid #fff;height:18px;padding:2px
0 0 10px;background:url(http://images.articlesbase.com/sprite_category_menu.png) left top no-repeat;background-position:-151px -104px;outline:none;display:block;cursor:pointer}.bd a:hover, .bd span:hover{background:url(http://images.articlesbase.com/sprite_category_menu.png) left top no-repeat;background-position:-151px -124px;;color:#06C}.bd
a.active{background:url(http://images.articlesbase.com/sprite_category_menu.png) left top no-repeat;background-position:-151px -124px;color:#06C}.bc{background:white}.bc a, .bc
span{text-decoration:none;border-bottom:1px solid #dcdcdc;height:18px;padding:4px
0 0 5px;background:url(http://images.articlesbase.com/sprite_category_menu.png) left top no-repeat;background-position:0px -79px;outline:none;display:block;cursor:pointer}.bc a:hover, .bc span:hover{background:none;color:#06C}.bc
a.active{background:none;color:#06C}#facebox
.b{background:url(http://js.articlesbase.com/facebox/b.png)}#facebox
.tl{background:url(http://js.articlesbase.com/facebox/tl.png)}#facebox
.tr{background:url(http://js.articlesbase.com/facebox/tr.png)}#facebox
.bl{background:url(http://js.articlesbase.com/facebox/bl.png)}#facebox
.br{background:url(http://js.articlesbase.com/facebox/br.png)}#facebox{position:absolute;top:0;left:0;z-index:8500;text-align:left}#facebox
.popup{position:relative}#facebox
table{border-collapse:collapse}#facebox
td{border-bottom:0;padding:0}#facebox
.body{padding:10px;background:#fff;width:370px}#facebox
.loading{text-align:center}#facebox
.image{text-align:center}#facebox
img{border:0;margin:0}#facebox
.footer{border-top:1px solid #DDD;padding-top:5px;margin-top:10px;text-align:right}#facebox .tl, #facebox .tr, #facebox .bl, #facebox
.br{height:10px;width:10px;overflow:hidden;padding:0}#facebox_overlay{position:fixed;top:0px;left:0px;height:100%;width:100%}.facebox_hide{z-index:-100}.facebox_overlayBG{background-color:#000;z-index:99}* html
#facebox_overlay{position:absolute;height:expression(document.body.scrollHeight > document.body.offsetHeight ? document.body.scrollHeight : document.body.offsetHeight + ‘px’)}@charset “utf-8″;.qa_foo_bar{display:block}#qa_left_col{float:left;width:646px;padding-bottom:35px}#qa_left_col
.messages{line-height:16px;background:#f7f7f7;padding:10px;font-size:12px;color:#090;border:1px
solid #E3E3E3}.qa_question_title{font-size:18px;color:#333;font-weight:bold;line-height:20px;padding-bottom:10px}.qa_question_box{float:left;width:646px;background:url(http://images.articlesbase.com/qa/question_box_bg.png) repeat-y;margin-bottom:25px}.qa_question_box
.qa_top{float:left;width:646px;background:url(http://images.articlesbase.com/qa/question_box_top.png) top no-repeat}.qa_question_box
.qa_bottom{float:left;width:646px;height:57px;background:url(http://images.articlesbase.com/qa/question_box_bottom.png) no-repeat}.qa_question_box
.qa_avatar{float:left;width:60px;min-height:185px;_height:185px;padding:12px
0 0 10px;background:url(http://images.articlesbase.com/qa/que_bg.png) 0px 115px no-repeat}.qa_question_box
.qa_question_content{float:left;width:536px;padding:22px
15px 15px 15px;position:relative}.qa_question_box .qa_question_content
a.qa_reports{position:absolute;right:9px;top:16px}.qa_question_box .qa_question_content
h1{font-size:14px;font-weight:bold;color:#333;line-height:18px;padding:0
6px 4px 0;overflow:hidden}.qa_question_box
.qa_que_meta{color:#666;font-size:11px;padding:15px
0 12px;display:block;background:url(http://images.articlesbase.com/qa/que_meta_divider.png) repeat-x bottom}.qa_question_box .qa_que_meta
.qa_asked_by{display:inline}.qa_question_box .qa_que_meta
.qa_question_tags{display:inline}.qa_question_box .qa_que_meta
a{color:#2179d2;font-size:11px;text-decoration:none}.qa_question_box .qa_que_meta a:hover{text-decoration:underline}.qa_question_box .qa_que_meta
span{color:#f90;font-size:11px;padding:0
3px}.qa_question_box
.qa_google_ad{width:536px;clear:both;padding-top:12px}.qa_question_box
.qa_social_icons{float:left;padding:22px
0 0 68px;font-size:11px;color:#fff}.qa_question_box .qa_social_icons
a{color:#2179d2;text-decoration:none;font-size:11px;margin:0
2px}.qa_question_box .qa_social_icons
a.email{background:url(http://images.articlesbase.com/qa/social_icons_question.png) 0px 0px no-repeat;padding:1px
0 1px 24px}.qa_question_box .qa_social_icons
a.share{background:url(http://images.articlesbase.com/qa/social_icons_question.png) 0px -20px no-repeat;padding:1px
0 1px 22px}.qa_question_box .qa_social_icons
a.twitter{background:url(http://images.articlesbase.com/qa/social_icons_question.png) 0px -40px no-repeat;padding:1px
0 1px 22px}.qa_question_box .qa_social_icons
a.facebook{background:url(http://images.articlesbase.com/qa/social_icons_question.png) 0px -60px no-repeat;padding:1px
0 1px 22px}.qa_question_box .qa_social_icons a:hover{text-decoration:underline}.qa_question_box
a.qa_answer_it{float:right;text-decoration:none;font-weight:bold;color:#666;font-size:12px;margin:17px
10px 0 0;display:inline;background:url(http://images.articlesbase.com/qa/answer_it_right.png) right no-repeat}.qa_question_box a.qa_answer_it
span{float:left;background:url(http://images.articlesbase.com/qa/answer_it_left.png) left no-repeat;height:21px;padding:6px
20px 0 30px;cursor:pointer}.qa_question_box a.qa_answer_it:hover{text-decoration:underline}.qa_answer_title{padding-bottom:10px}.qa_answer_title
h2{float:left;width:500px;font-size:18px;color:#333;font-weight:bold;line-height:20px;padding-bottom:10px}.qa_answer_title h2
span{color:#06c;font-size:14px;font-weight:normal}.qa_answer_title
.qa_sort_by{float:right;font-size:11px;color:#666;padding-top:7px}.qa_answer_title .qa_sort_by
a{color:#333;text-decoration:none}.qa_answer_title .qa_sort_by a:hover{text-decoration:underline}.qa_answer_title .qa_sort_by
a.active{color:#06c}.qa_answer_title .qa_sort_by
span{color:#ffb400;padding:0
3px}.qa_answer_box{float:left;width:646px;background:#f3f3f3 url(http://images.articlesbase.com/qa/answer_box_top.png) top no-repeat}.qa_answer_box
.qa_bottom{float:left;width:626px;background:url(http://images.articlesbase.com/qa/answer_box_bottom.png) bottom no-repeat;padding:10px
10px 22px 10px}.qa_answer_box
.qa_answer_avatar{float:left;width:46px}.qa_answer_box
.qa_votes{float:left;width:46px;background:url(http://images.articlesbase.com/qa/votes_box_bg.png) repeat-y;margin-top:8px;text-align:center}.qa_answer_box .qa_votes
.qa_top_votes{float:left;width:46px;background:url(http://images.articlesbase.com/qa/votes_box_top.png) top no-repeat}.qa_answer_box .qa_votes
.qa_bottom_votes{float:left;width:46px;background:url(http://images.articlesbase.com/qa/votes_box_bottom.png) bottom no-repeat;padding:5px
0}.qa_answer_box .qa_votes
span{font-size:15px;font-weight:bold;color:#333;display:block;padding:2px
0}.qa_answer_box .qa_votes
p{font-size:11px;color:#4c4c4c;padding:2px
0}.qa_answer_box
.qa_anwser_bubble_big{float:right;width:576px;background:url(http://images.articlesbase.com/qa/ans_bubble_big_bg.png) repeat-y}.qa_answer_box .qa_anwser_bubble_big
.qa_top_bubble_big{float:left;width:576px;background:url(http://images.articlesbase.com/qa/ans_bubble_big_top.png) top no-repeat}.qa_answer_box .qa_anwser_bubble_big
.qa_bottom_bubble_big{float:left;width:576px;background:url(http://images.articlesbase.com/qa/ans_bubble_big_bottom.png) bottom no-repeat}.qa_answer_box .qa_anwser_bubble_big
.qa_answer_content{float:left;width:541px;padding:10px
10px 0px 25px;position:relative}.qa_answer_box .qa_anwser_bubble_big .qa_answer_content
a.qa_reports{position:absolute;right:9px;top:8px}.qa_answer_box .qa_anwser_bubble_big .qa_answer_content
p{font-size:12px;color:#333;line-height:18px;padding-bottom:12px;padding-right:25px;overflow:hidden}.qa_answer_box .qa_anwser_bubble_big .qa_answer_content p
strong{color:#2179d2}.qa_answer_box .qa_anwser_bubble_big .qa_answer_content p a:hover{text-decoration:underline}.qa_answer_box .qa_anwser_bubble_big .qa_answer_content
.qa_more{display:block;font-size:11px}.qa_answer_box .qa_anwser_bubble_big .qa_answer_content .qa_more
a{color:#06c;text-decoration:none}.qa_answer_box .qa_anwser_bubble_big
.qa_answered_by{background:url(http://images.articlesbase.com/qa/que_meta_divider.png) repeat-x top;font-size:11px;color:#666;padding-top:12px}.qa_answer_box .qa_anwser_bubble_big .qa_answered_by
a{font-weight:bold;color:#2179d2;text-decoration:none}.qa_answer_box .qa_anwser_bubble_big .qa_answered_by a:hover{text-decoration:underline}.qa_answer_box .qa_anwser_bubble_big
p.qa_answered{color:#666;font-size:11px;padding:10px
25px 0 0}.qa_answer_box .qa_anwser_bubble_big
.qa_best_ans_comments{float:left;width:576px;margin:11px
0 -11px;position:relative}.qa_answer_box .qa_anwser_bubble_big .qa_best_ans_comments
a.qa_comments{float:right;font-size:11px;color:#4a4a4a;text-decoration:none;margin-right:9px;display:inline;background:url(http://images.articlesbase.com/qa/best_ans_comments_right.png) right -75px no-repeat}.qa_answer_box .qa_anwser_bubble_big .qa_best_ans_comments a.qa_comments
span{float:left;height:20px;padding:5px
10px 0 25px;background:url(http://images.articlesbase.com/qa/best_ans_comments_left.png) 0px -75px no-repeat;cursor:pointer}.qa_answer_box .qa_anwser_bubble_big .qa_best_ans_comments a.qa_comments:hover{background:url(http://images.articlesbase.com/qa/best_ans_comments_right.png) right -50px no-repeat}.qa_answer_box .qa_anwser_bubble_big .qa_best_ans_comments a.qa_comments:hover
span{background:url(http://images.articlesbase.com/qa/best_ans_comments_left.png) 0px -50px no-repeat}.qa_answer_box .qa_anwser_bubble_big .qa_best_ans_comments
a.qa_best_ans{float:right;font-size:11px;color:#4a4a4a;text-decoration:none;margin-right:9px;display:inline;background:url(http://images.articlesbase.com/qa/best_ans_comments_right.png) right -25px no-repeat}.qa_answer_box .qa_anwser_bubble_big .qa_best_ans_comments a.qa_best_ans
span{float:left;height:20px;padding:5px
10px 0 25px;background:url(http://images.articlesbase.com/qa/best_ans_comments_left.png) 0px -25px no-repeat;cursor:pointer}.qa_answer_box .qa_anwser_bubble_big .qa_best_ans_comments a.qa_best_ans:hover{background:url(http://images.articlesbase.com/qa/best_ans_comments_right.png) right 0px no-repeat}.qa_answer_box .qa_anwser_bubble_big .qa_best_ans_comments a.qa_best_ans:hover
span{background:url(http://images.articlesbase.com/qa/best_ans_comments_left.png) 0px 0px no-repeat}.qa_answer_box .qa_anwser_bubble_big .qa_best_ans_comments
a.qa_best_ans_voted{float:right;font-size:11px;color:#4a4a4a;text-decoration:none;margin-right:9px;display:inline;background:url(http://images.articlesbase.com/qa/best_ans_comments_right.png) right 0px no-repeat}.qa_answer_box .qa_anwser_bubble_big .qa_best_ans_comments a.qa_best_ans_voted
span{float:left;height:20px;padding:5px
10px 0 25px;background:url(http://images.articlesbase.com/qa/best_ans_comments_left.png) 0px 0px no-repeat;cursor:pointer}.qa_answer_comnent{float:right;width:566px;margin:27px
0 -12px 0}.qa_answer_comnent
.qa_answer_comment_avatar{float:left;width:45px;background:url(http://images.articlesbase.com/qa/comment_ico.png) 0px 55px no-repeat;min-height:100px;_height:100px}.qa_answer_comnent
.qa_answer_comment{float:right;width:516px;background:url(http://images.articlesbase.com/qa/ans_bubble_sm_bg.png) repeat-y}.qa_answer_comnent
.qa_answer_comment_top{float:left;width:516px;background:url(http://images.articlesbase.com/qa/ans_bubble_sm_top.png) top no-repeat}.qa_answer_comnent
.qa_answer_comment_bottom{float:left;width:516px;background:url(http://images.articlesbase.com/qa/ans_bubble_sm_bottom.png) bottom no-repeat}.qa_answer_comnent
.qa_answer_comment_content{float:left;width:481px;padding:10px
10px 10px 25px;position:relative}.qa_answer_comnent .qa_answer_comment_content
a.qa_reports{position:absolute;right:9px;top:8px}.qa_answer_comnent
.qa_comment_by{color:#666;font-size:11px}.qa_answer_comnent .qa_comment_by
a{color:#2179d2;font-weight:bold;text-decoration:none;font-size:12px}.qa_answer_comnent .qa_comment_by a:hover{text-decoration:underline}.qa_answer_comnent .qa_comment_by
span{font-size:9px;color:#f90;padding:0
2px}.qa_answer_comnent
p{font-size:12px;line-height:18px;color:#333;padding:10px
25px 0 0;overflow:hidden}.qa_answer_comnent div.warning
p{font-size:12px;line-height:18px;color:red;padding:10px
25px 0 0;background-color:#F3F3F3}.qa_answer_comnent
.qa_add_comment_btn{float:right;clear:right}.qa_answer_comnent .qa_add_comment_btn
a.qa_comment_btn{float:right;text-decoration:none;font-weight:bold;color:#666;font-size:12px;margin:17px
0 0 0;display:inline;background:url(http://images.articlesbase.com/qa/answer_it_right.png) right no-repeat}.qa_answer_comnent .qa_add_comment_btn a.qa_comment_btn
span{float:left;background:url(http://images.articlesbase.com/qa/answer_it_left.png) left no-repeat;height:21px;padding:6px
20px 0 30px;cursor:pointer}.qa_answer_comnent .qa_answer_comment_content
textarea.qa_comment_input{width:475px;height:110px;color:#666;font-size:12px;line-height:18px}.qa_google_ad_content{float:left;width:646px;margin:10px
0}.qa_answer_this_que{float:left;width:646px;padding:0}.qa_answer_this_que
h2{font-size:18px;color:#333;line-height:20px;font-weight:bold;padding:0
0 10px}.qa_submit_ans{float:left;width:646px;background:#f3f3f3 url(http://images.articlesbase.com/qa/answer_box_top.png) top no-repeat}.qa_submit_ans
.qa_bottom{float:left;width:626px;background:url(http://images.articlesbase.com/qa/answer_box_bottom.png) bottom no-repeat;padding:10px
10px 14px 10px}.qa_submit_ans
.qa_answer_avatar{float:left;width:46px}.qa_submit_ans
.qa_votes{float:left;width:46px;background:url(http://images.articlesbase.com/qa/votes_box_bg.png) repeat-y;margin-top:8px;text-align:center}.qa_submit_ans .qa_votes
.qa_top_votes{float:left;width:46px;background:url(http://images.articlesbase.com/qa/votes_box_top.png) top no-repeat}.qa_submit_ans .qa_votes
.qa_bottom_votes{float:left;width:46px;background:url(http://images.articlesbase.com/qa/votes_box_bottom.png) bottom no-repeat;padding:5px
0}.qa_submit_ans .qa_votes
span{font-size:15px;font-weight:bold;color:#333;display:block;padding:2px
0}.qa_submit_ans .qa_votes
p{font-size:11px;color:#4c4c4c;padding:2px
0}.qa_submit_ans
.qa_anwser_bubble_big{float:right;width:576px;background:url(http://images.articlesbase.com/qa/ans_bubble_big_bg.png) repeat-y}.qa_submit_ans .qa_anwser_bubble_big
.qa_top_bubble_big{float:left;width:576px;background:url(http://images.articlesbase.com/qa/ans_bubble_big_top.png) top no-repeat}.qa_submit_ans .qa_anwser_bubble_big
.qa_bottom_bubble_big{float:left;width:576px;background:url(http://images.articlesbase.com/qa/ans_bubble_big_bottom.png) bottom no-repeat}.qa_submit_ans .qa_anwser_bubble_big
.qa_answer_content{float:left;width:541px;padding:10px
10px 10px 25px}.qa_submit_ans
textarea.qa_ans_input{width:535px;height:110px;color:#666;font-size:12px;line-height:18px}.qa_submit_ans
.qa_submit_ans_btn{float:right;clear:right}.qa_submit_ans
a.qa_ans_btn{background:url(“http://images.articlesbase.com/qa/answer_it_right.png”) no-repeat scroll right center transparent;display:inline;float:right;line-height:18px;margin:9px
0 0 0;text-decoration:none}.qa_submit_ans a.qa_ans_btn
span{background:url(“http://images.articlesbase.com/qa/answer_it_left.png”) no-repeat scroll left center transparent;color:#666;font-size:12px;font-weight:bold;cursor:pointer;float:left;height:27px;padding:8px
10px 0 30px}.qa_grey_box{float:left;width:646px;background:#f3f3f3 url(http://images.articlesbase.com/qa/answer_box_top.png) top no-repeat;margin-top:25px}.qa_grey_box
.qa_bottom{float:left;width:626px;background:url(http://images.articlesbase.com/qa/answer_box_bottom.png) bottom no-repeat;padding:10px
10px 14px 10px}.qa_grey_box
p{padding:5px
5px 0px 5px;font-size:12px;line-height:18px;color:#333}.qa_grey_box p
a{color:#06c;text-decoration:none}.qa_grey_box p a:hover{text-decoration:underline}.qa_related_articles{float:left;width:646px;padding:15px
0 0 0}.qa_related_articles
h2{font-size:18px;color:#333;line-height:20px;font-weight:bold;padding:5px
0 10px;border-bottom:1px solid #ccc}.qa_article_row{float:left;width:646px;border-bottom:1px solid #ccc}.qa_article_row
.qa_title{float:left;width:646px;padding:10px
0}.qa_article_row
h3{color:#06c;font-weight:bold;float:left;width:555px;font-size:13px}.qa_article_row h3
a{color:#06c;font-weight:bold;text-decoration:none}.qa_article_row h3 a:hover{text-decoration:underline}.qa_article_row
.qa_read_article{float:right}.qa_article_row .qa_read_article
a{color:#06c;font-size:11px}.qa_article_row .qa_read_article a:hover{text-decoration:none}.qa_article_row
.qa_article_thumb{border:1px
solid #c0c0c0;padding:2px}.qa_article_row
p{float:left;width:550px;padding-left:10px;line-height:15px;color:#333}.qa_article_row
.qa_article_details{float:left;width:646px;padding:10px
0 15px 0;color:#feb300}.qa_article_row .qa_article_details
span{color:#06c;padding:0
3px}.qa_article_row .qa_article_details
.qa_name{padding-left:0}.qa_article_row .qa_article_details
.qa_nameby{padding-right:0}.qa_article_row .qa_article_details
a{color:#06c;text-decoration:none;padding:0
3px}.qa_article_row .qa_article_details a:hover{text-decoration:underline}.qa_article_row .qa_article_details
code{color:#000;padding:0
3px;font-weight:normal;font-family:Verdana,Geneva,sans-serif;color:#333}.qa_ask_question_top
h2{background:url(“http://images.articlesbase.com/title_left_bg.gif”) no-repeat scroll left top transparent;float:left;font-size:12px;font-weight:bold;margin:12px
0 0 -4px;padding-left:12px;position:relative;height:30px}.qa_ask_question_top h2
span{background:url(“http://images.articlesbase.com/title_right_bg.gif”) no-repeat scroll right top transparent;color:#333;float:right;padding:10px
20px 0 8px;height:20px}.qa_ask_question{float:left;width:646px;background:url(http://images.articlesbase.com/qa/ask_question_bg_repeat.png) repeat-y}.qa_ask_question
.qa_top_sec{float:left;width:646px;height:15px;background:url(http://images.articlesbase.com/qa/ask_question_bg_clean.png) 1px 0px no-repeat}.qa_ask_question .qa_top
h2{font-size:12px;font-weight:bold;color:#474747;padding:10px
15px}.qa_ask_question
.qa_bottom{float:left;width:646px;height:51px;background:url(http://images.articlesbase.com/qa/ask_question_bg_clean.png) bottom no-repeat;padding-left:1px}.qa_ask_question
.qa_ask_question_box{width:646px;float:left}.qa_ask_question .qa_ask_question_box
textarea{width:610px;margin:2px
20px;height:70px;font-size:12px;color:#474747;line-height:18px}.qa_ask_question .qa_bottom div
span{font-size:11px;color:#ff7200;float:left}.qa_ask_question .qa_bottom
div{float:left;padding:10px
15px}.qa_ask_question
a.qa_ask_btn{background:url(“http://images.articlesbase.com/qa/answer_it_right.png”) no-repeat scroll right center transparent;color:#666;display:inline;float:right;font-size:12px;line-height:18px;font-weight:bold;margin:11px
10px 0 0;text-decoration:none}.qa_ask_question a.qa_ask_btn
span{background:url(“http://images.articlesbase.com/qa/answer_it_left.png”) no-repeat scroll left center transparent;cursor:pointer;float:left;height:27px;padding:8px
10px 0 30px}.qa_ask_question
span.callout{display:block;background:url(“http://images.articlesbase.com/qa/ask_question_bg_chup.png”) no-repeat scroll left top transparent;width:25px;height:51px;float:right}#qa_right_col{float:right;width:304px}.qa_right_panel{float:left;width:304px;margin-bottom:20px}.qa_right_panel
.qa_top{float:left;width:304px;height:28px;background:url(http://images.articlesbase.com/qa/right_panel_title_bg.png) no-repeat}.qa_right_panel .qa_top
h2{font-size:12px;color:#474747;font-weight:bold;padding:8px
12px 6px}.qa_right_panel
.qa_right_panel_content{float:left;width:280px;padding:9px
9px 2px 9px;margin:0
2px;display:inline}#qa_ask_que_box_container{float:left;width:304px;margin-bottom:10px;margin-top:10px}#qa_ask_que_box_container
.qa_top{float:left;width:304px;height:28px;background:url(http://images.articlesbase.com/qa/right_panel_title_bg.png) no-repeat}#qa_ask_que_box_container .qa_top
h2{font-size:12px;color:#474747;font-weight:bold;padding:8px
12px 6px}#qa_ask_que_box_container
.qa_right_panel_content{float:left;width:280px;padding:9px;margin:0
2px;display:inline}.qa_ask_a_que{background:#f3f3f3;border:1px
solid #e3e3e3}.qa_ask_a_que
.qa_ask_que_content{float:left;width:280px;background:url(http://images.articlesbase.com/qa/ask_question_box.png) top no-repeat}.qa_ask_a_que .qa_ask_que_content
textarea{background:none;font-size:12px;color:#474747;padding:5px
10px;width:258px;height:75px;margin:5px
0}.qa_ask_a_que .qa_ask_que_content
span{font-size:11px;color:#ff7200;float:left;padding:7px
2px}.qa_ask_a_que
a.qa_ask_btn{background:url(“http://images.articlesbase.com/qa/answer_it_right.png”) no-repeat scroll right center transparent;display:inline;float:right;line-height:18px;margin:8px
0 0 0;text-decoration:none}.qa_ask_a_que a.qa_ask_btn
span{background:url(“http://images.articlesbase.com/qa/answer_it_left.png”) no-repeat scroll left center transparent;color:#666;font-size:12px;font-weight:bold;cursor:pointer;float:left;height:27px;padding:8px
10px 0 30px}.qa_ask_a_que
span.callout{display:block;margin:0;padding:0;background:url(“http://images.articlesbase.com/qa/ask_question_bg_chup.png”) no-repeat scroll 0px -2px transparent;width:25px;height:51px;float:right}.qa_google_ad_right_panel{float:left;margin-bottom:20px;font-size:11px}.qa_google_ad_right_panel
h2{font-size:11px;color:#666;padding-bottom:0px;line-height:16px}.qa_google_ad_right_panel h2
a{text-decoration:underline;color:#333}.qa_google_ad_right_panel
.qa_ad_block{margin-top:15px}.qa_google_ad_right_panel
p{font-size:11px;color:#666;padding-bottom:4px;line-height:16px}.qa_google_ad_right_panel p
a{text-decoration:underline;color:#333}.qa_google_ad_right_panel p a:hover{text-decoration:none}.qa_google_ad_right_panel
h3{font-size:12px;color:#2179d2;line-height:20px}.qa_google_ad_right_panel h3
a{color:#2179d2}.qa_google_ad_right_panel h3 a:hover{text-decoration:none}.qa_google_ad_right_panel
span{color:#060}.qa_google_ad_right_panel span
a{color:#060;text-decoration:none}.qa_google_ad_right_panel span a:hover{text-decoration:underline}.qa_related_que_rp{border:1px
solid #e3e3e3;padding-top:0 !important}.qa_related_que_rp
ul{}.qa_related_que_rp ul
li{background:url(http://images.articlesbase.com/qa/que_meta_divider.png) repeat-x bottom;padding:10px
0}.qa_related_que_rp ul
li.qa_last{background:none}.qa_related_que_rp ul li
h3{font-size:12px;line-height:16px;color:#06c;background:url(http://images.articlesbase.com/qa/icon_que.png) left top no-repeat;padding:0
0 0 27px;min-height:20px}.qa_related_que_rp ul li h3
a{font-size:12px;color:#06c;text-decoration:none}.qa_related_que_rp ul li h3 a:hover{text-decoration:underline}.qa_questions_cats{background:#fbfbfb;border:1px
solid #ccc}.qa_questions_cats
ul.left{width:135px;float:left}.qa_questions_cats
ul.right{width:135px;float:right}.qa_questions_cats ul
li{float:left;width:135px;padding:0
0 4px 5px}.qa_questions_cats ul li
h3{font-size:11px;line-height:16px;color:#06c}.qa_questions_cats ul li h3
a{font-size:11px;color:#06c;text-decoration:none}.qa_questions_cats ul li h3 a:hover{text-decoration:underline}.qa_popular_tags{background:#fbfbfb;border:1px
solid #ccc}.qa_popular_tags
.qa_popular_tags_holder{line-height:22px;text-align:center}.qa_popular_tags .qa_popular_tags_holder
a{text-decoration:none;color:#84bdde;font-size:12px;padding:0
4px}.qa_popular_tags .qa_popular_tags_holder a:hover{text-decoration:underline}.qa_related_vids_holder{background:#fff;border:1px
solid #ccc;padding:0
!important;width:298px !important}.qa_related_vids_holder
.related_vids{width:278px;float:left;padding:10px
10px 10px 10px}.qa_related_vids_holder
.related_vids_details{float:left;width:185px;margin-left:10px}.qa_related_vids_holder .related_vids
.vid_thumb{float:left;width:80px;height:58px;position:relative;border:1px
solid #e0e0df}.qa_related_vids_holder .related_vids .vid_thumb
.play_btn{position:absolute;bottom:4px;right:5px;border:0;width:23px;height:23px;background:url(http://images.articlesbase.com/qa/play.png) no-repeat}*html .qa_related_vids_holder .related_vids .vid_thumb
.play_btn{background:none;filter:progid:DXImageTransform.Microsoft.AlphaImageLoader(src=’images/qa/play.png’), sizingMethod=’image’;cursor:pointer}.qa_related_vids_holder .related_vids_details
h3{font-weight:bold;font-size:12px;line-height:16px;line-height:12px;min-height:44px;overflow:hidden}.qa_related_vids_holder .related_vids_details h3
a{color:#06c;text-decoration:none;font-size:12px;line-height:16px}.qa_related_vids_holder .related_vids_details h3 a:hover{text-decoration:underline}.qa_related_vids_holder .related_vids_details
p{line-height:12px;padding:2px
0 0 0;color:#000}.qa_related_vids_holder
.alt_row{background:#f8f8f8}.qa_tabs_content .yui-content{clear:both}.qa_tabs_content{float:left;width:646px;background:url(http://images.articlesbase.com/qa/tabs_bg.png) repeat-x top}.qa_tabs_content ul.yui-nav{border:none;padding-left:6px}.qa_tabs_content ul.yui-nav
li{background:none;border:1px
solid #c8d9e7;border-bottom:none;margin-right:3px}.qa_tabs_content ul.yui-nav li
a{background:#fff;padding:0;font-weight:bold;padding:5px
10px 6px}.qa_tabs_content ul.yui-nav li.selected
a{background:#e8f0f6;font-weight:bold;color:#06c;padding:5px
10px 7px}.qa_tabs_content ul.yui-nav li a:hover{background:#e8f0f6;font-weight:bold;color:#06c;padding:5px
10px 7px}.qa_featured_ques{}.qa_featured_ques
h1.featured_que{color:#333;font-size:18px;line-height:20px;font-weight:bold;padding:18px
0 10px;clear:both;float:left;width:646px}.qa_featured_ques
.qa_top{float:left;width:646px;background:#e6ecf5 url(http://images.articlesbase.com/qa/featured_question_top.png) top no-repeat}.qa_featured_ques
.qa_bottom{float:left;width:646px;background:url(http://images.articlesbase.com/qa/featured_question_bottom.png) bottom no-repeat}.qa_featured_ques
.qa_featured_ques_bg{float:left;width:626px;padding:10px;background:url(http://images.articlesbase.com/qa/que_bg.png) 0px 12px no-repeat}.qa_featured_ques
.qa_fea_que{float:right;width:592px;background:url(http://images.articlesbase.com/qa/featured_que_bg.png) repeat-y}.qa_featured_ques
.qa_fea_que_top{float:left;width:592px;background:url(http://images.articlesbase.com/qa/featured_que_top.png) top no-repeat}.qa_featured_ques
.qa_fea_que_bottom{float:left;width:547px;background:url(http://images.articlesbase.com/qa/featured_que_bottom.png) bottom no-repeat;padding:15px
15px 15px 30px}.qa_featured_ques
h2{font-size:14px;color:#2179d2;font-weight:bold;padding-bottom:6px;line-height:18px}.qa_featured_ques h2
a{font-size:14px;color:#2179d2;font-weight:bold;text-decoration:none}.qa_featured_ques
p{color:#666;font-size:12px;line-height:18px}.qa_featured_ques p
a{color:#06c;text-decoration:none}.qa_featured_ques a:hover{text-decoration:underline}.qa_featured_ques
.qa_fea_content{float:left;width:545px}.qa_featured_ques .qa_fea_content
img.fea_img{margin:0
10px 10px 0;float:left}.qa_new_ques{}.qa_new_ques
.qa_title{float:left;width:646px}.qa_new_ques .qa_title
h2{color:#333;font-size:18px;line-height:20px;font-weight:bold;padding:18px
0 10px;clear:both;float:left;width:540px}.qa_new_ques
.qa_sort_by{float:right;width:98px;height:24px;padding-top:15px}.qa_sort_by{position:relative;display:inline-block}div.selectbox_qa-wrapper{position:absolute;background-color:white;border:1px
solid #ccc;margin:0px;margin-top:0px;padding:0px;font-size:0.8em;text-align:left;overflow:auto;overflow-x:hidden;left:0px;top:39px;width:120px !important}div.selectbox_qa-wrapper
ul{list-style-type:none;margin:0px;padding:0px;font-size:11px;font-family:Verdana,Geneva,sans-serif}div.selectbox_qa-wrapper ul
li.selected{background-color:#316ac5;color:#fff}div.selectbox_qa-wrapper ul
li.current{background-color:#316ac5;color:#fff}div.selectbox_qa-wrapper ul
li{list-style-type:none;display:block;margin:0;padding:2px;cursor:pointer;background:none;font-size:11px}label{display:block}.selectbox_qa{padding-left:2px;font-family:Verdana,Geneva,Arial,Helvetica,sans-serif;font-size:11px;width:88px;height:16px;padding:4px
0 5px 10px;display:block;text-align:left;background:url(http://images.articlesbase.com/qa/sort_by_bg.png) right no-repeat;cursor:pointer;color:#333}.qa_questions_main_box{float:left;width:646px;background:#f3f3f3 url(http://images.articlesbase.com/qa/new_questions_top.png) top no-repeat}.qa_questions_main_box
.qa_questions_main_box_bottom{float:left;width:618px;padding:14px;background:url(http://images.articlesbase.com/qa/new_questions_bottom.png) bottom no-repeat}.qa_new_question_box{float:left;width:618px;background:url(http://images.articlesbase.com/qa/new_question_box_bg.png) repeat-y;margin-bottom:8px}.qa_new_question_box
.qa_new_question_box_top{float:left;width:618px;background:url(http://images.articlesbase.com/qa/new_question_box_top.png) top no-repeat}.qa_new_question_box
.qa_new_question_box_bottom{float:left;width:608px;padding:5px;background:url(http://images.articlesbase.com/qa/new_question_box_bottom.png) bottom no-repeat}.qa_new_question_box
.qa_avatar{float:left}.qa_new_question_box .qa_avatar
img{float:left;width:45px;height:45px;overflow:hidden}.qa_new_question_box
.qa_new_question_content{float:left;width:400px;padding:0px
10px 5px;overflow:hidden}.qa_new_question_box
h3{color:#2179d2;font-size:12px;font-weight:bold;padding-bottom:2px}.qa_new_question_box h3
a{color:#2179d2;font-size:12px;font-weight:bold;text-decoration:none;line-height:16px}.qa_new_question_box h3 a:hover{text-decoration:underline}.qa_new_question_box
.qa_meta{padding:5px
0;font-size:11px;color:#666}.qa_new_question_box .qa_meta
a{color:#2179d2;text-decoration:none}.qa_new_question_box .qa_meta a:hover{text-decoration:underline}.qa_new_question_box .qa_meta
span{color:#f90}.qa_new_question_box
a.qa_answer_it{float:right;text-decoration:none;color:#2179d2;line-height:18px;font-size:12px;margin:15px
15px 0 0;display:inline;background:url(http://images.articlesbase.com/qa/answer_it_btn_right.png) right no-repeat}.qa_new_question_box a.qa_answer_it
span{float:left;height:27px;padding:0
20px 0 8px;cursor:pointer;background:url(http://images.articlesbase.com/qa/answer_it_btn_left.png) left no-repeat}.qa_new_question_box a.qa_answer_it:hover{text-decoration:underline}a.qa_show_more{float:right;font-size:11px;color:#2179d2;text-decoration:none}a.qa_show_more:hover{text-decoration:underline}.qa_new_question_content
p{color:#666;font-size:12px;line-height:18px}.qa_new_question_content p
strong{color:#06c}.qa_new_question_content p
a{font-size:11px;color:#06c;text-decoration:none}.qa_new_question_content p a:hover{text-decoration:underline}.qa_unanswered_box{float:left;width:618px;margin-bottom:8px;background:url(http://images.articlesbase.com/qa/unanswered_que_bg.png) repeat-y}.qa_unanswered_box
.qa_unanswered_box_top{float:left;width:618px;background:url(http://images.articlesbase.com/qa/unanswered_que_top.png) top no-repeat}.qa_unanswered_box
.qa_unanswered_box_bottom{float:left;width:608px;padding:5px;background:url(http://images.articlesbase.com/qa/unanswered_que_bottom.png) bottom no-repeat}.qa_unanswered_box
.qa_new_question_content{float:left;width:405px;padding:5px
10px 5px 45px}.qa_unanswered_box
h3{color:#2179d2;font-size:12px;font-weight:bold}.qa_unanswered_box h3
a{color:#2179d2;font-size:12px;font-weight:bold;text-decoration:none;line-height:18px}.qa_unanswered_box h3 a:hover{text-decoration:underline}.qa_unanswered_box
.qa_meta{padding:5px
0;font-size:11px;color:#666}.qa_unanswered_box .qa_meta
a{color:#2179d2;text-decoration:none}.qa_unanswered_box .qa_meta a:hover{text-decoration:underline}.qa_unanswered_box .qa_meta
span{color:#f90}.qa_unanswered_box
a.qa_answer_it{float:right;text-decoration:none;color:#2179d2;line-height:18px;font-size:12px;margin:15px
15px 0 0;display:inline;background:url(http://images.articlesbase.com/qa/answer_it_btn_right.png) right no-repeat}.qa_unanswered_box a.qa_answer_it
span{float:left;height:27px;padding:0
20px 0 8px;cursor:pointer;background:url(http://images.articlesbase.com/qa/answer_it_btn_left.png) left no-repeat}.qa_unanswered_box a.qa_answer_it:hover{text-decoration:underline}.qa_top_ans_holder{background:#fff;border:1px
solid #ccc;padding:0
!important;width:298px !important}.qa_top_ans_holder
.qa_top_ans{width:278px;float:left;padding:10px
10px 10px 10px}.qa_top_ans_holder
.qa_avatar_top_ans{float:left}.qa_top_ans_holder .qa_avatar_top_ans
span{float:left;background:#d3dded;font-size:18px;font-weight:bold;color:#fff;width:35px;height:32px;text-align:center;line-height:28px}.qa_top_ans_holder .qa_avatar_top_ans
img{float:left}.qa_top_ans_holder
.qa_top_ans_content{float:left;width:195px;padding-left:12px}.qa_top_ans_holder .qa_top_ans_content
h3{font-size:11px;font-weight:bold;color:#2179d2}.qa_top_ans_holder .qa_top_ans_content h3
a{font-size:11px;font-weight:bold;color:#2179d2;text-decoration:none;line-height:16px}.qa_top_ans_holder .qa_top_ans_content h3 a:hover{text-decoration:underline}.qa_top_ans_holder .qa_top_ans_content
p{color:333}.qa_top_ans_holder .qa_top_ans_content p
a{color:333}.qa_top_ans_holder .qa_top_ans_content p a:hover{color:333;text-decoration:none}.qa_top_ans_holder
.alt_row{background:#f8f8f8}.qa_articles_resources_holder{background:#fff;border:1px
solid #ccc;padding:0
!important;width:298px !important}.qa_articles_resources_holder
ul.qa_articles_resources{clear:both;background:url(http://images.articlesbase.com/qa/articles_resources_bg.png) 0px 0px repeat-y;width:298px;margin-top:1px}.qa_articles_resources_holder ul.qa_articles_resources
li{border-bottom:1px solid #fff}.qa_articles_resources_holder ul.qa_articles_resources li
a{font-family:Arial,Helvetica,sans-serif;text-decoration:none;color:#2179d2;display:block;padding:8px
0 9px 0}.qa_articles_resources_holder ul.qa_articles_resources li a
span{display:block;padding-left:20px;background:url(http://images.articlesbase.com/qa/articles_resources_icon.png) 4px 2px no-repeat}.qa_articles_resources_holder ul.qa_articles_resources li a:hover{background:url(http://images.articlesbase.com/qa/articles_resources_bg_active.png) repeat-y left}.qa_articles_resources_holder ul.qa_articles_resources li a:hover
span{background:url(http://images.articlesbase.com/qa/articles_resources_icon_active.png) 4px 2px no-repeat}.qa_articles_resources_holder ul.qa_articles_resources li
a.active{background:url(http://images.articlesbase.com/qa/articles_resources_bg_active.png) repeat-y left}.qa_articles_resources_holder ul.qa_articles_resources li a.active
span{background:url(http://images.articlesbase.com/qa/articles_resources_icon_active.png) 4px 2px no-repeat}.qa_ask_que_rp{float:left;background:#e7eef7;width:229px;border-bottom:1px solid #cecece}.qa_ask_que_rp
.qa_ask_que_content{float:left;width:221px;background:url(http://images.articlesbase.com/qa/ask_question_box_rp.png) top no-repeat;margin:5px
4px;display:inline;padding-bottom:0}.qa_ask_que_rp .qa_ask_que_content
textarea{color:#474747;font-size:12px;padding:5px
10px;width:200px;height:80px;margin:5px
0 12px;background:none}.qa_ask_que_rp .qa_ask_que_content
span{float:left;color:#ff6c00;padding-left:5px}.qa_ask_que_rp
a.qa_ask_btn{background:url(“http://images.articlesbase.com/qa/ask_btn_rp_right.png”) no-repeat scroll right center transparent;color:#666;display:inline;float:right;font-size:12px;line-height:18px;font-weight:bold;text-decoration:none;margin-left:4px}.qa_ask_que_rp a.qa_ask_btn
span{background:url(“http://images.articlesbase.com/qa/ask_btn_rp_left.png”) no-repeat scroll left center transparent;color:#666;cursor:pointer;float:left;height:27px;padding:6px
20px 0 30px}.qa_ask_que_rp
span.callout_small_home{display:block;background:url(“http://images.articlesbase.com/qa/ask_question_box_rp_chup.png”) no-repeat scroll left top transparent;width:11px;height:27px;float:right;margin-top: -8px}.qa_section_title{background:#f3f3f3;float:left;width:213px;padding:8px;border-top:1px solid #fff}.qa_section_title
h2{float:left;font-size:12px;font-weight:bold;color:#474747}.qa_section_title
a{float:right;color:#06c;text-decoration:none}.qa_section_title a:hover{text-decoration:underline}.qa_recent_que_rp{padding-top:0 !important}.qa_recent_que_rp
ul{float:left;padding:0
10px;border-bottom:1px solid #d5d5d5}.qa_recent_que_rp ul
li{background:url(http://images.articlesbase.com/qa/que_meta_divider.png) repeat-x bottom;padding:8px
0;float:left;width:209px;overflow:hidden}.qa_recent_que_rp ul
li.qa_last{background:none}.qa_recent_que_rp ul li
h3{font-size:11px;line-height:16px;color:#06c;background:url(http://images.articlesbase.com/qa/icon_que.png) left top no-repeat;padding:0
0 4px 27px;clear:both;width:178px;float:left}.qa_recent_que_rp ul li h3
a{font-size:11px;color:#06c;text-decoration:none}.qa_recent_que_rp ul li h3 a:hover{text-decoration:underline}.qa_recent_que_rp ul li
p{font-size:11px;color:#666;padding:2px
0 8px 3px;clear:both;width:205px;float:left}.qa_recent_que_rp ul li p a, .qa_recent_que_rp ul li p
strong{color:#06c;font-size:11px;text-decoration:none}.qa_recent_que_rp ul li p a:hover{text-decoration:underline}.qa_goto_qa{float:left;width:226px;height:26px;background:url(http://images.articlesbase.com/qa/goto_qa_btn.png) no-repeat;padding:5px
0 0 15px;margin-top:-1px;text-align:center;color:#2179d2}.qa_goto_qa
a{color:#2179d2;font-size:11px;text-decoration:none}.qa_goto_qa a:hover{text-decoration:underline}.qa_ask_que_wide_box_container{background:#f3f3f3;height:126px}.qa_ask_que_wide_box{width:448px;background:#f3f3f3 url(http://images.articlesbase.com/qa/ask_question_box_wide.png) center 10px no-repeat;height:120px}.qa_ask_que_wide_box
textarea{color:#474747;width:423px !important;padding:15px;margin:10px;font-size:12px;height:63px !important;margin-top:13px;margin-bottom:0}.qa_ask_que_wide_box_container
span{float:left;color:#ff7200;padding:10px
0 0 10px}.qa_ask_que_wide_box_container
input.ask_btn{float:right;width:101px;height:27px;background:url(http://images.articlesbase.com/qa/ask_btn_wide.png) no-repeat;margin:10px
10px 0 0;display:inline;line-height:15px;color:#666;font-weight:bold;font-size:12px;cursor:pointer}.box_title_left{color:#474747;font-size:12px;font-weight:bold}.ask_bottom{clear:both;background:url(http://images.articlesbase.com/signup_bottom.gif) bottom no-repeat;padding-bottom:1px}.ask_container{clear:both;border:1px
solid #ccc;border-bottom:none}.ask_container
.ask_title{background:#f7f7f7;padding:10px;font-size:12px;color:#333}.ask_bottom
.warnings{line-height:16px;background:#f7f7f7;padding:10px
10px 10px 10px;font-size:12px}.ask_bottom .warnings
p{color:#ff0101;padding:5px
10px}.ask_functions{background:#f7f7f7;clear:both;padding:10px
0 7px 0}.ask_functions
.req{float:left;padding-left:50px;color:#797979;line-height:22px}.ask_functions .req
span{color:#ff0101}.ask_functions
.ask_buttons{float:right;width:445px}.ask_functions
a.publish_question{background:url(“http://images.articlesbase.com/qa/answer_it_right.png”) no-repeat scroll right center transparent;color:#666;display:inline;float:right;font-size:12px;font-weight:bold;margin:17px
10px 0 0;text-decoration:none}.ask_functions a.publish_question
span{background:url(“http://images.articlesbase.com//qa/answer_it_left.png”) no-repeat scroll left center transparent;cursor:pointer;float:left;height:21px;padding:6px
20px 0 30px}.view_edit_table_empty{border-collapse:collapse;float:left}.view_edit_table_empty, .view_edit_table
th{border:1px
solid #ccc}.view_edit_table_empty td
div{position:relative;top:3px}#qa_answer_form
.warnings{background:none repeat scroll 0 0 #FFF;font-size:12px;line-height:16px;padding:10px
10px 10px 0;color:red}.qa_select_box_holder{display:inline;float:left}.qa_submit_ans_penname_dd{float:right;margin:20px
20px 0 20px}.qa_submit_ans_penname_dd
.dd_box{margin-left:5px;float:left}.qa_submit_comment_penname_dd{float:right;margin:20px
20px 0 20px}.qa_submit_comment_penname_dd
.dd_box{margin-left:5px;float:left}.qa_submit_ans_btn_loader{float:right;height:50px;padding-top:18px;padding-right:10px;width:10px}.qa_add_comment_btn_loader{float:right;height:50px;padding-top:18px;padding-right:10px;width:10px}.qa_questions_main_box
.paging{width:100%}.qa_report_question{height:365px;margin-top:20px;padding:5px;width:500px}.qa_report_question
label{font-weight:bold;font-size:13px;margin:4px}.report_loader{float:left;padding:5px
0 0 5px}.report_loader
img{float:left}.qa_report_question
.report_subject{border:1px
solid #EEE;height:100px;margin-top:5px;padding:5px}.qa_report_question .qa_report_content
.select{border:1px
solid #ccc;padding:5px;width:100%}.qa_report_question .qa_report_content
textarea{border:1px
solid #ccc;width:100%}.qa_submit_report_btn{float:right;clear:right}.qa_submit_report_btn
input{width:180px;height:27px;padding-left:25px;padding-bottom:2px;background:url(http://images.articlesbase.com/qa/submit_ans_btm.png) no-repeat;margin-top:12px;color:#666;font-weight:bold;font-size:12px;line-height:13px;text-align:left;cursor:pointer}.qa_report_question_block
.messages{line-height:16px;padding:10px
10px 10px 10px;font-size:12px;color:#090}.qa_report_question_block .messages
strong{font-weight:bold}.qa_report_question_block
.warnings{background:none repeat scroll 0 0 #FFF;font-size:12px;line-height:16px;padding:10px
10px 10px 0;color:red}.captcha_block{float:right;margin-top:10px}.captcha_block
img{float:left}.captcha_block
label{float:left}.captcha_block
input{float:left;border:1px
solid #ccc;padding:5px;width:140px}.qa_asked_questions{padding:20px;border:1px
solid #ccc;margin-bottom:5px;font-size:12px}.qa_asked_questions
ul{padding:10px
10px 10px 15px}.qa_asked_questions ul
li{list-style:circle}.qa_asked_questions ul li
a{text-decoration:none}.qa_asked_questions ul li a:hover{text-decoration:underline}#qa_right_col{float:right;width:304px}#qa_right_col
p{margin-bottom:10px}#qa_right_col
h2{font-size:14px;font-weight:bold;border-bottom:1px dotted #dddddf;margin-bottom:10px;padding-bottom:3px}#qa_right_col
h3{font-size:11px;color:#1674D1;font-weight:bold}#qa_ask_form
a.qa_answer_it{float:right;text-decoration:none;font-weight:bold;color:#666;font-size:12px;margin:17px
0 0 0;display:inline;background:url(http://images.articlesbase.com/qa/answer_it_right.png) right no-repeat}#qa_ask_form a.qa_answer_it
span{float:left;background:url(http://images.articlesbase.com/qa/answer_it_left.png) left no-repeat;height:21px;padding:6px
20px 0 30px;cursor:pointer}#qa_ask_form a.qa_answer_it:hover{text-decoration:underline}.qa_question_mark{float:left;width:61px;min-height:185px;_height:185px;padding:12px
0 0 0}h1.qa_related_header{border-bottom:1px dotted #dddddf;margin-bottom:10px}p.qa_related_question{font-size:12px;line-height:18px;margin:3px
0}p.qa_related_question
a{text-decoration:none;color:#1573D0;font-weight:bold;padding-left:18px;background:url(http://images.articlesbase.com/qa/bullet_arrow.png) left no-repeat}div.qa_related_question{display:block;font-size:12px;line-height:18px}.gray_related{background-color:#f6f6f6;padding:7px}.white_related{background-color:#fff;padding:7px}div.qa_related_question
a{text-decoration:none;color:#1573D0;font-weight:bold;padding-left:18px;background:url(http://images.articlesbase.com/qa/bullet_arrow.png) left no-repeat}div
.question_required{float:left;display:block;color:#999;font-size:10px;margin:3px
2px 0 59px}div
.remaining_characters{float:right;display:block;color:#FF7200;font-size:10px;margin:3px
2px 0 auto}textarea.qa_question_textarea{width:550px;height:100px;color:#666;font-size:12px;line-height:18px;margin:3px
0 6px 16px}.qa_answer_box
.ask_row{width:580px;float:right;padding:6px
5px 6px 0}.qa_answer_box .ask_row
.col_left{float:left;width:100px;padding-left:10px;text-align:left;line-height:23px;font-size:12px}.qa_answer_box .ask_row .col_left
label{width:100px}.qa_answer_box .ask_row
.col_right{float:right;width:450px;padding-left:5px}.qa_answer_box .ask_row
input.txt_box{border:1px
solid #ccc;padding:5px;width:433px;font-size:12px;border-radius:4px}.qa_answer_box .ask_row
select.txt_box{border:1px
solid #ccc;padding:5px;width:444px;font-size:12px;border-radius:4px}div.qa_required_hint{float:left;width:300px;margin-top:5px}span.required{color:red}.qa_bottom
#qa_ask_form{margin-top:10px;border-top:1px dotted #dddddf}.qa_bottom #qa_ask_form
a.qa_answer_it{float:right;text-decoration:none;font-weight:bold;color:#666;font-size:12px;margin:5px
10px 0 0;display:inline;background:url(http://images.articlesbase.com/qa/answer_it_right.png) right no-repeat}.qa_bottom
#qa_related_questions{float:left;width:646px;height:27px;background:url(http://images.articlesbase.com/qa/question_box_bottom_small.png) no-repeat}.qa_question_content
#qa_ask_form{float:left;width:526px;padding:22px
15px 15px 20px;position:relative}.qa_how_to_ask{border:none}.qa_how_to_ask
.qa_title{float:left;width:330px}.qa_how_to_ask .qa_title
h2{color:#333;font-size:18px;line-height:20px;font-weight:bold;padding:0
0 10px 0;clear:both;float:left;width:304px}#qa_right_col .qa_how_to_ask
.qa_howto_main_box{margin-bottom:15px}#qa_right_col .qa_how_to_ask .qa_howto_main_box
h3.qa_howto{border-right:1px solid #ccc;border-left:1px solid #ccc;font-size:11px;font-weight:bold;color:#0F71CC;padding:5px
5px 7px 19px;background:url(‘http://images.articlesbase.com/ok_icon.png’) 4px 7px no-repeat;clear:both}#qa_right_col .qa_how_to_ask .qa_howto_main_box
p.qa_howto{border-right:1px solid #ccc;border-left:1px solid #ccc;padding:5px;margin:0}#qa_right_col .qa_how_to_ask .qa_howto_main_box
p.white{background-color:#fff}#qa_right_col .qa_how_to_ask .qa_howto_main_box
h3.white{background-color:#fff}#qa_right_col .qa_how_to_ask .qa_howto_main_box
p.grey{background-color:#f6f6f6}#qa_right_col .qa_how_to_ask .qa_howto_main_box
h3.grey{background-color:#f6f6f6}#qa_right_col .qa_how_to_ask .qa_howto_main_box
.qa_howto_top{background:url(‘http://images.articlesbase.com/qa/bqbox_top.png’) no-repeat;clear:both;margin-bottom:-8px}#qa_right_col .qa_how_to_ask .qa_howto_main_box
.qa_howto_bottom{background:url(‘http://images.articlesbase.com/qa/bqbox_bottom.png’) no-repeat;clear:both}.qa_article_section_title{background:#e0e7f2;float:left;width:282px;padding:8px;margin:-10px 0 0 2px;border-left:1px solid #d5d5d5;border-right:1px solid #d5d5d5}.qa_article_section_title
h2{float:left;font-size:12px;font-weight:bold;color:#474747}.qa_article_section_title
a{float:right;color:#06c;text-decoration:none}.qa_article_section_title a:hover{text-decoration:underline}.qa_article_rp{padding-top:0 !important;margin:-2px auto auto 2px}.qa_article_rp
ul{width:278px;float:left;padding:0
10px;border:1px
solid #d5d5d5;margin:0}.qa_article_rp ul
li{background:url(http://images.articlesbase.com/qa/que_meta_divider.png) repeat-x bottom;padding:8px
0;float:left;width:276px;overflow:hidden}.qa_article_rp ul
li.qa_last{background:none}.qa_article_rp ul li
h3{font-size:11px;line-height:16px;color:#06c;background:url(http://images.articlesbase.com/qa/icon_que.png) left top no-repeat;padding:0
0 4px 27px;clear:both;width:250px;float:left}.qa_article_rp ul li h3
a{font-size:11px;color:#06c;text-decoration:none}.qa_article_rp ul li h3 a:hover{text-decoration:underline}.qa_article_rp ul li
p{font-size:11px;color:#666;padding:2px
0 8px 3px;clear:both;width:284px;float:left}.qa_article_rp ul li p a, .qa_article_rp ul li p
strong{color:#06c;font-size:11px;text-decoration:none}.qa_article_rp ul li p a:hover{text-decoration:underline}.qa_goto_qa_article{float:left;width:288px;height:31px;background:url(http://images.articlesbase.com/qa/goto_qa_btn_big.png) 2px 0 no-repeat;padding:5px
0 0 15px;margin-top:-1px;text-align:center;color:#2179d2}.qa_goto_qa_article
a{color:#2179d2;font-size:11px;text-decoration:none}.qa_goto_qa_article a:hover{text-decoration:underline}.qa_goto_qa_article_empty{float:left;width:288px;height:11px;background:url(http://images.articlesbase.com/qa/goto_qa_btn_big_short.png) 2px 0 no-repeat;padding:5px
0 0 15px;margin-top:-1px;text-align:center;color:#2179d2}.qa_article_question_box{float:left;width:794px;padding:0
0 5px 0;margin-top:15px;display:block;background-color:#E7EEF7}.qa_article_question_box
#qa_container{float:left;height:190px;margin-left:9px}.qa_article_question_box
.qa_top{float:left;width:794px;height:28px;background:url(http://images.articlesbase.com/qa/qa_form_title_bg.gif) no-repeat}.qa_article_question_box .qa_top
h2{font-size:12px;color:#474747;font-weight:bold;padding:8px
12px 6px}.qa_article_question_box #qa_container
.qa_right_panel_content{float:left;width:320px;padding:9px;margin:0
2px;display:inline}.qa_article_question_box
.qa_article_related{display:block;padding-top:0 !important;margin:35px
auto auto 2px}.qa_article_question_box .qa_article_related
ul{background-color:#fff;width:398px;float:right;padding:0
10px;margin:0
11px 0 0}.qa_article_question_box .qa_article_related ul
li{background:url(http://images.articlesbase.com/qa/que_meta_divider.png) repeat-x bottom;padding:8px
0;float:left;width:400px;overflow:hidden}.qa_article_question_box .qa_article_related ul
li.qa_last{background:none}.qa_article_question_box .qa_article_related ul li
h3{font-size:11px;line-height:16px;color:#06c;background:url(http://images.articlesbase.com/qa/icon_que.png) left top no-repeat;padding:0
0 4px 27px;clear:both;width:370px;float:left}.qa_article_question_box .qa_article_related ul li h3
a{font-size:11px;color:#06c;text-decoration:none}.qa_article_question_box .qa_article_related ul li h3 a:hover{text-decoration:underline}.qa_article_question_box .qa_article_related ul li
p{font-size:11px;color:#666;padding:2px
0 8px 3px;clear:both;width:284px;float:left}.qa_article_question_box .qa_article_related ul li p a, .qa_article_question_box .qa_article_related ul li p
strong{color:#06c;font-size:11px;text-decoration:none}.qa_article_question_box .qa_article_related ul li p a:hover{text-decoration:underline}.qa_article_question_box
.qa_ask_form{background:#f3f3f3}.qa_article_question_box
.qa_ask_form_narrow_top{width:340px;height:8px;margin-top:4px;background:url(http://images.articlesbase.com/qa/sprite_ask_question_box_narrow.png) top no-repeat;background-position:0px 0px}.qa_article_question_box
.qa_ask_form_narrow{float:left;width:340px;padding:10px
12px 0 0;margin:6px
0 0 0;background:url(http://images.articlesbase.com/qa/sprite_background_repeat_y.png) repeat-y;background-position:-778px 0px}.qa_article_question_box .qa_ask_form_narrow
.qa_ask_que_content{float:left;width:340px;height:129px;margin-left:5px;margin-top:5px}.qa_article_question_box .qa_ask_form_narrow
textarea{background:none;font-size:14px;color:#474747;padding:0
10px;width:317px;height:115px;margin:5px
0;overflow-y:auto}.qa_article_question_box
.qa_ask_form_narrow_bottom{float:left;width:340px;height:27px;background:url(http://images.articlesbase.com/qa/sprite_ask_question_box_narrow.png) bottom no-repeat;background-position:0px -10px}.qa_article_question_box .qa_ask_form_narrow_bottom div
span{font-size:11px;color:#ff7200;float:left;padding:7px
2px;margin-top:4px}.qa_article_question_box .qa_ask_form_narrow_bottom
a.qa_ask_btn{background:url(“http://images.articlesbase.com/qa/ask_btn_rp_right.png”) no-repeat scroll right center transparent;color:#666;display:inline;float:right;font-size:12px;line-height:18px;font-weight:bold;text-decoration:none;margin:12px
0 0 4px}.qa_article_question_box .qa_ask_form_narrow_bottom a.qa_ask_btn
span{background:url(“http://images.articlesbase.com/qa/ask_btn_rp_left.png”) no-repeat scroll left center transparent;color:#666;cursor:pointer;float:left;height:27px;padding:6px
20px 0 30px}.qa_article_question_box .qa_ask_form_narrow_bottom
span.callout_small_home{display:block;background:url(“http://images.articlesbase.com/qa/ask_question_box_rp_chup.png”) no-repeat scroll left top transparent;width:16px;height:27px;float:right;margin-top:6px}.qa_article_question_box
.qa_ask_form_wide_top{width:775px;height:8px;margin-top:4px;background:url(http://images.articlesbase.com/qa/sprite_ask_question_box_big.png) top no-repeat;background-position:0px 0px}.qa_article_question_box
.qa_ask_form_wide{float:left;width:764px;height:80px;padding:10px
12px 0 0;margin:6px
0 0 0;background:url(http://images.articlesbase.com/qa/sprite_background_repeat_y.png) repeat-y;background-position:0px 0px}.qa_article_question_box .qa_ask_form_wide
.qa_ask_que_content{float:left;width:775px;height:129px;margin-left:5px;margin-top:5px}.qa_article_question_box .qa_ask_form_wide
textarea{background:none;font-size:14px;color:#474747;padding:0
10px;width:754px;height:75px;margin:5px
0;overflow-y:auto}.qa_article_question_box
.qa_ask_form_wide_bottom{float:left;width:775px;height:27px;background:url(http://images.articlesbase.com/qa/sprite_ask_question_box_big.png) bottom no-repeat;background-position:0px -10px}.qa_article_question_box .qa_ask_form_wide_bottom
span{font-size:11px;color:#ff7200;float:left;padding:7px
2px}.qa_article_question_box .qa_ask_form_wide_bottom
a.qa_ask_btn{background:url(“http://images.articlesbase.com/qa/ask_btn_rp_right.png”) no-repeat scroll right center transparent;color:#666;display:inline;float:right;font-size:12px;line-height:18px;font-weight:bold;text-decoration:none;margin:9px
0 0 4px}.qa_article_question_box .qa_ask_form_wide_bottom a.qa_ask_btn
span{background:url(“http://images.articlesbase.com/qa/ask_btn_rp_left.png”) no-repeat scroll left center transparent;color:#666;cursor:pointer;float:left;height:27px;padding:6px
20px 0 30px}.qa_article_question_box .qa_ask_form_wide_bottom
span.callout_small_home{display:block;background:url(“http://images.articlesbase.com/qa/ask_question_box_rp_chup.png”) no-repeat scroll left top transparent;width:11px;height:27px;float:right;margin-top:2px}]]>C){w.yPosition=C;r(“updated entry: “+b(w),1)}}else{w={url:B,isBackground:y,yPosition:C,isInlined:x.isInlined};D[B]=w;r(“new entry: “+b(w),1)}}function v(z){if(z.tagName){if(z.src){if(z.tagName==”IFRAME”){t(o.list_iframes,z,z.src,false)}else{if(z.tagName==”IMG”||z.tagName==”INPUT”||z.tagName==”TABLE”){t(o.list_images,z,z.src,false)}}}var y=u(z);if(y){t(o.list_images,z,y,true)}var A;if(n){A=z.children}else{A=z.childNodes}for(var x=0;x

Free Online Articles Directory

Why Submit Articles?
Top Authors
Top Articles
FAQ
ABAnswers

Publish Article

Email

Password

Remember me?
Lost Password?

Home Page > Business > Small Business > Small business loans FAQ

Small business loans FAQ

Edit Article |

Posted: Sep 18, 2009 |Comments: 0
|

What can you make clear to me going on for small business loans?

I’d like to carry a small business loan to cover start-up costs and to give me working means for two years. I’d also like at least possible 40 acres of land for the business to use. Should I…

1st time small business loans (gov’t) for women….?

Does anyone know the gov’t grant first name, or specificially where to find out how to qualify for a gov’t allow for a woman to start a small buisness?

Any tips on starting a small boutique? I want to do this while working full-time at my current profession.?

Tips needed from someone with experience. i.e. how to start-up, seize merchandise, small business loans, managing while working FT, etc. Thanks so much!

looking for a mechanism to give a hand convicted felon next to small business and personal loans.?

I know there are places that backing minorities and convicted felons receive their life wager on. As far as small business loans and personal loans.

What variety of interest rates do bank apply to small business loans?

Say the loan is $100,000 or so

Small business loans for populace next to dual citizenship?

Where can I find information on programs for small business loans for people near dual citizenship? My husband is officially a dual citizen of the United States and Germany. We found information on loans for veterans (he be in the…

Are in attendance actual legal small business loans out in that that are offered?

I see plentifully of advertisement for Small Business loans. But are here any out near that are inwardly conquer of obtain?

Are SBA small business loans easier to return with consequently other loans?

-What can I do to increase my chances of getting approved?- My business plan is looking fitting so far!

More small business loans questions please visit : Small-business-FAQ.com

Retrieved from “http://www.articlesbase.com/small-business-articles/small-business-loans-faq-1244548.html”

(ArticlesBase SC #1244548)

Liked this article? Click here to publish it on your website or blog, it’s free and easy!

SmallBusinessfaq -
About the Author:

Small-business-FAQ.com

Questions and Answers

Ask our experts your Small Business related questions here…

Ask

200 Characters left

Can a hair stylist starting in booth rent get small business loans or grants?
Why is it difficult for small businesses to assess loans?
I have just started my small business ,can i avail cash loan?

Rate this Article

1
2
3
4
5

vote(s)
0 vote(s)

Feedback
RSS
Print
Email
Re-Publish

Source: http://www.articlesbase.com/small-business-articles/small-business-loans-faq-1244548.html

Article Tags:
small business loans

September 6, 2010

Tips To Obtain Small Business Loans

Filed under: Small Business Tips — Tags: Business, Loans, Obtain, Small, Tips — admin @ 9:15 am

If you are interested in starting a small business, then you have to know about small business loans. There are many different ways to get funding for your new enterprise, as well as many different kinds of loans. Finding the one that is best for your enterprise can be a daunting task, but with the right information, it is not impossible.

Most banks do not want to loan money to someone who is starting a new enterprise. When trying to get a loan for a small business, collateral will probably be needed for the bank to approve the loan. Things such as cars, houses, land, or other hard assets will usually work for collateral. The bank will probably want to have an asset-backed borrowing transaction with business owners, rather than loaning money to a business based on inventory or other such methods.

Having a co-signer is also an option for getting a loan from the bank, but make sure you trust the co-signer before trying this method. There is also another place that a loan can be borrowed from, which is the Small Business Administration.

This is a government agency that invests in new, small businesses. In many cases, if a loan is borrowed from the SBA, then the SBA will pay back 90% of the loan if you default on it. Another place to try for a loan is through commercial finance companies or venture capitalists.

When applying for small business loans, there are certain procedures that must be followed to increase the business owners’ chances of actually getting a loan. Every place you approach with the hope that they will finance your new enterprise will look at your financial projections, credit history and your character.

If there is a personality conflict between you and the lender, then you probably will not get the loan. However, it is a good idea to try several different places until you find someone who gets along with you, so that you can get a small business loan.

There are also little quirky things that can be done to make a better impression on loan officers. Dressing professionally, keeping a professional manner, and calling ahead of time for an appointment are usually necessary to get loans for small businesses.

There are some other things that might increase your chances of getting a loan as well, such as being able to answer any questions about your business plan. Being over prepared is better than being under prepared.

Hopefully, you now have a little more information about small business loans and how to get one. If you are trying to open a new business, then look at all the information out there and maybe consider talking to a loan officer about your business plan before applying for a loan. He or she can give you some sound business advice.

Share and Enjoy:

Comments (0)

August 14, 2010

Loans for Small Businesses: Five Tips on How to Get Loans for Small Businesses

Filed under: Small Business Tips — Tags: Businesses, Five, Loans, Small, Tips — admin @ 9:08 pm

Every business needs cash and loans for small businesses can be one of the ways to get that cash. Here are a five tips to make the process a little easier and less painful.

1. Start thinking about a loan for your small business now, don’t wait until the last minute. Plan ahead. Forecast a cash flow statement for the upcoming six months and revise it at the end of every month. If it looks like you’ll need a cash infusion three months down the road, start applying for the loan now and you won’t run into a cash crunch.

2. Get your financial records for your business in order even if you don’t need a small business loan right now. Lenders of loans for small businesses will want to see your basic financial statements: accounts receivable, accounts payable, revenues and profits and loss statements. If you keep these records organized it won’t be a huge undertaking to get them together for the loan officer.

3. Establish some credit for your business immediately. The credit can simply be a store account, delivery service account or even a business credit card. Use the credit and make prompt payments. After six months or so you will have established a track record. lenders will look at your firm as a reliable loan risk.

4. Establish a relationship with a bank that offers small business loans. Open a company checking account. After a few months see if the bank will offer overdraft protection for your account. It’s a small step in the right direction towards getting a loan.

5. Demonstrate that you can pay back the small business loan. Lenders look at a number of variables including: the risk of the principle of the loan and if your business can pay the interest. They also look at your personal credit worthiness. Your firm should generate enough cash to pay back both the interest and the principle. In some cases you will have to personally guarantee the loan, especially if it’s the first loan for your company.

If you follow these tips you should be able to get a loan for a small business without a problem.

Be prepared

Don’t wait until the last minute

Establish credit now

Establish a banking relationship before you need a loan

Show your business is a worthy credit risk.

Establishing credit for your company with a small business loan is a smart move.

Share and Enjoy:

Comments (0)

July 25, 2010

Small Business Loans: Tips For Obtaining a Small Business Loan

Filed under: Small Business Tips — Tags: Bank Financing, Bank Loan, Bankruptcies, Business, Business Accounts, Business Plan, Financial Statements, First Tip, Last Several Years, Late Payments, Loan, Loan Package, Loans, Net Worth, Obtaining, Obtaining A Small Business Loan, Peasant, Personal Loan, Principals, Profitable Operations, Small, Small Business Loan, Small Business Loans, Tax Returns, Tips, Visa Cards — admin @ 2:32 pm

When a small business needs capital, a small business loan from a bank comes first to mind. Banks want to lend to companies that have a record of profitable operations, that generate cash flow sufficient to repay the loan, and that have enough collateral or assets to secure the loan. A clean credit record for both the company and the principals of the company is mandatory; few late payments, and no bankruptcies or foreclosures.

Most start-up companies do not quality for traditional bank financing unless the founder has the personal net worth and income to guarantee the loan. The loan then is a really a personal loan to the founder rather than a business loan.

Check with the bank that you have your business accounts with for the person who handles commercial or business loans. You will be asked to provide financial statements for both you and your company for the last several years as well as tax returns. You may also be asked to provide documentation as to the accounts you have, both personal and business. A business plan will be required and you will most likely have to complete the bank’s own loan package.

You will have to personally guarantee the business loan, which means any and all assets you have will be pledged to pay off the loan if your business doesn’t. If you live in a community property state, your spouse must also personally guarantee the loan.

First Tip: The acquisition of a bank loan takes time, as with any form of financing. Begin the process of finding a loan several months, at least, in advance of when your company needs the capital.

Second Tip: In looking for a bank loan, you are really approaching a vendor (the bank) to see if you want to buy his product (money). Don’t approach the situation like a starving peasant who desperately needs food (funds) to stay alive. The bank needs you or it has no revenue (except of course for the exorbitant amount of interest it earns on VISA cards).

Cash (flow) Is King

Before approaching a banker about a loan, it is imperative to prepare a detailed cash flow forecast to determine how much capital you need, and how and when the loan will be repaid. To the banker, the cash flow forecasts–and historical financial statements–are extremely critical. The venture capitalist has lofty goals for his relationship with your company–to earn a fantastic rate of return over a variable length of time. He may cash out of the business in 3 years, maybe 5, but in any case, he wants to create great wealth out of his participation in your company. The banker has more modest goals–to get his money back with a specified rate of interest–but he is much more concerned about timing–getting the interest and principal back from you at prearranged points in time–and in protecting his original investment. The banker, too, responds to forecasts that are realistic and containing detailed assumptions. Just as the venture capitalist tires of reading Business Plans with ridiculous or unsubstantiated projections, the banker appreciates well-thought out numbers grounded in reality.

Tell The Banker About Your Business

You also must prepare a Business Plan-type profile on your company to enable the banker to better understand your business. The Business Plan is your marketing tool again, just as it was with the venture capitalist. It also shows the banker your ability to plan and organize your company–skills that will enhance your ability to pay him back.

Follow these tips and you’ll be successful in obtaining a small business loan.

Share and Enjoy:

Comments (0)

April 30, 2010

Micro Loans For Small Business

Small business start up capital can sometimes be inadequate. One option that is available to the small business owner is a micro loan. These loans are specifically designed to give aspiring business owners start up capital as well as giving a boost to already established businesses. They also consolidate and enhance micro businesses. They target the unemployed, poor entrepreneurs and individuals who are not considered bankable. They are individuals who lack any form of collateral, stable income and a good credit history.

Micro loans helps the small business owner in many ways. This includes help with the working capital, purchase of office equipment, machinery, supplies etc. In comparison to the conventional bank loans, micro loans are easier to obtain. These loans are usually handed out by community lenders. This is after careful evaluation of the borrower’s credit history. These lenders get these funds from the Small Business Administration. They then disperse them to their local communities. They are usually located in a nonprofit community and have ease at dispersing funds.

When you want to get a micro loan, you have to have some form of collateral or guarantee from the business owner. Another requirement for these loans is that you will be required to undergo training and business management instruction to qualify for this loan.

Projects that normally qualify for this type of loan are the ones with skill enhancement elements. These projects are those that are aimed at improving the quality of life for those in low income areas. Also included in this category are projects that promote individuals who are in self-employed businesses and also creates employment for others. Micro loans have helped many people achieve their dream of having purpose in their life while simultaneously earning a living.

Share and Enjoy:

Comments (0)

Older Posts »

May 2012
M	T	W	T	F	S	S
« Mar
	1	2	3	4	5	6
7	8	9	10	11	12	13
14	15	16	17	18	19	20
21	22	23	24	25	26	27
28	29	30	31