Ensuring Cosmetic Formulation Stability

As a contract manufacturer of skincare products, AUS Cosmetics considers it important to test the manufacturing methods and product formulations provided by the companies they deal with prior to getting involved in the mass manufacture of the product. Having got the data from your company, they conduct the required tests in their laboratory to get the trustworthy results. They may also send a product sample they will avail after the series of lab experiments to their contractors for further evaluation.

To make the products working, it’s essential to get reliable, powerful and lab tested formulas provided by a company responsible for their development. This is where the help of an experienced and knowledgeable formulation chemist may be required. The ASCC website offers the list of reliable formulators at their website. As soon as the formula is developed and lab tested, the product can be put into mass manufacture to be further released to the market. The importance of this step should not be underestimated, because low quality of skincare products may have negative effect upon your company reputation.

Top Services Cosmetic Manufacturers Provide

To prevent the risks associated with formulation problems, formulators can make use of the following tests:

  • a preservative efficacy test
  • a stability test

The first type of a test is needed to make sure the preservatives selected for a certain  product work well when protecting it from the spread of bacteria, fungi and mould. If any of these problems are detected, the product may be recalled from the manufacture.

The second test type implies the choice of the right product packaging. This step should be preliminary discussed and coordinated with a formulator, laboratory responsible for conducting the test and a supplier of packaging materials.

Both tests are not free, of course, but additional financial investments are important here and worth the result. In many cases, they help detect various problems associated with the formulation or packaging, thus minimizing or avoiding corresponding risks.

Another way to protect your business from failures is to insure the product after its manufacture. As soon as the formula is thoroughly tested and the product is ready to be spread in the market, you may ask a company for a free quote. The range of products that can be insured before being introduced at the market is extensive and enlists the following:

  • Hair care products
  • Body care solutions
  • Skin care options
  • Facial care products etc.
  • Cosmetic Manufacturing Basics

The process of cosmetic manufacturing is responsible, time taking and complex. It involves the following stages:

  • Product formulation
  • Manufacture
  • Fill and pack
  • Store and dispatch

Each stage involves certain steps, which follow each other and eventually trigger the expected result. Thus, the major objective of the formulation stage is to make sure that the quality, properties, texture, color, aroma and the look of the product correspond to its efficacy and adhere to the needs of customers. During this stage, a series of tests are held in a laboratory to check whether the product is ready for the manufacture. The major tests held on this stage are microbiological, preservative efficacy and stability tests.

Right after the product is tested in a lab, it can be put into manufacture.  AUS Cosmetics experts know how quickly the manufacturing techniques change nowadays. That is why, they try their best effort to keep up with modern innovations and techniques. By traveling the world and exploring the market, they find out new technologies that are used by the global cosmetic manufacturers and implement them into the manufacturing process.

The manufacture stage is then followed by the filling and packing procedure. On this stage, newly manufactured products are packed into versatile containers, the choice of which is done with regard to the type of the product, its storage properties and characteristics. The most widely used packaging materials include:

  • tubes
  • bottles
  • pumps
  • sachets
  • jars etc.

As soon as the product is packed, it is placed into carton boxes for safe storage and better maintenance. This stage is also done and supervised by the specialists of the company, whose task is to make sure that the products are ready for further store and dispatch procedures.

5 Tips for Your Next Fort Lauderdale Trip

Whether you are planning your first trip to Fort Lauderdale, FL or you’ve been coming here for years, you can make your next trip a lot better with a little planning.

Book Your Airport Shuttle in Advance

You don’t want to start your next trip by waiting at the airport for your ride.  A great trip starts with a smooth arrival and quick pick up so you’re on your way to your destination in a clean, professional.   Take the time to book your Fort Lauderdale airport shuttle in advance to get your next trip to the area off to a smooth start.  When you arrive at the airport and your shuttle or limo is waiting, you will breathe a sigh of relief and head off to your hotel with smile on your face.

Find Deals for Favorite Places

You want to start your planning for your next trip to Fort Lauderdale with an online search for deals in the area.  The Greater Fort Lauderdale Convention & Visitors Bureau is continually adding new deals on vacation packages and attractions in the area.  You can always check sites like GroupOn and other daily deal sites for area specific deals.

Take a Class

Many people think of vacations as a time to relax and get away from work.  However, you can add a lot of enjoyment and satisfaction to your trip and life by continuing to build your interests and hobbies by taking a class.  Miami has tons of great classes in so many exciting different arts, dancing, and sports.  Whether you are thinking about scuba diving or you want to learn how to salsa dance, you can find a great class with lots of fun people.

Make Time for the Beach

Everyone knows that Miami is filled with beautiful beaches so it doesn’t seem like a stretch to advise making time for the beach.  To mix it up on this trip, find a new beach or a little known beach and explore for a day.  Get away from the rush of the city and enjoy a full day of stress-free beach living.  Pack a picnic and enjoy some food and drinks with your family and friends.  Spend some time in the sun and take a swim in the warm waters.  That’s how you truly unwind in Miami.

Experiment with New Restaurants

It is normal to feel the urge to go back to your favorite restaurants every time you travel back to Fort Lauderdale.  Make this trip the time that you break the streak and find some great new places to eat. There’s a diverse offering of food types that anyone can find a new place they love.  Check out Alter in Wynwood for a fun, hipster restaurant with great cuisine inspired by Florida.  The Eating House offers lots of tasty dishes and incredible desserts.  Joe’s Stone Crab is a main-stay for fantastic seafood.  It’s an even better idea to enjoy the great weather and explore the city on foot to find great new places to eat.

Get the Look You Need For Your Brand

The corporate world is currently living through a hyper-visual age. More than ever before, businesses are being viewed from all observable angles. It is no longer enough just to have a great product. You need to be charming on social media, have a strong web presence, and be able to sustain an engaging brand narrative.

While good branding has always been the cornerstone of success for commercial enterprises, it now extends beyond the ‘public face’ of a business. The increasing popularity of corporate architecture and bespoke office design is evidence of this. Customers want to see inside your world, so you need a workspace which reflects the core values of the company.

This guide to the benefits of flexible office rentals will explain why serviced suites are the best choice for modern businesses.

Attractive, Appealing Interior Design

The great thing about renting a fully equipped office suite is the fact that you can move your team in right away. You can, of course, change the existing layout and bring in new furniture and décor if it suits, but you don’t have to. For instance, the office space rentals from Servcorp come complete with everything that a business needs to start operating immediately.

This includes comfortable furniture, high-speed broadband, receptionist services, a cleaner, heating and air conditioning, a mail address, and much more. There’s no getting around the fact that interior design is very important for modern businesses. However, you can put yours in the hands of the experts and save yourself the time by renting a ‘ready to go’ workspace.

Location Prejudice Can Be an Asset

The term ‘location prejudice’ refers to the tendency of investors and clients to pick partners based on their corporate address. For smaller companies and entrepreneurs, it can be an obstacle, because it is not always possible to secure a great office address early on. Fortunately, with a serviced office, the impossible is made easy.

As serviced suites are offered as flexible leases, with customisable resources, smaller businesses can pick the rates and resources which best suit their needs. They don’t have to commit to a potentially very costly lock in lease, but they can still enjoy the benefits of a prestigious location. This is great for branding, as a prestigious corporate address (such as the World Trade Center, in Manhattan) associates companies with success.

A Great Office Supports Workplace Culture

One benefit of flexible offices which is often overlooked is that they can be a real boon for workplace culture and internal relations. When your employees are happy, your brand gets stronger, because you can use the team as a marketable asset. Contemporary consumers want to know about the inside story of their favourite brands. They want to be able to put faces to the company name.

They want to know what it must be like to work for your business. This is something which Google does wonderfully, for example, with its super friendly, brightly coloured corporate workspaces. Serviced offices are a great resource because they put all of the tools that you need right at your disposal. So, the team can spend less time worrying about the basics and more time building up the brand.

Why Office Design, Location, and Architecture Are Important

The most successful companies are those which can offer consumers a story, something which is more than just a transaction. This is why social media is such an influential tool. It brings brands closer to the people that they serve. It is important for this story to feel whole and cohesive, and your workspace should be part of the narrative.

Cost Effective Legal Support For Your Small Business

When cash flow is tight, spending money on reducing the probability of something happening in the future seems less important than spending the money on running the business today. However, entrepreneurs who fail to handle legal matters before they grow are setting themselves up for huge problems in future. Professional legal advice is expensive, but there are ways to reduce spending on getting the legal tasks in your new business done.

Online legal advice from a trustworthy source

Seeking online legal advice from companies such as Lawbite will prove more cost effective than hiring a solicitor from a traditional law firm. Using an online platform to access good legal advice cuts out the unnecessary costs of a high-street solicitor.

Online legal advice from a reputable source is also more likely to be specialised. A high-street solicitor is unlikely to be a specialist in more than a few areas of business law. If the solicitor is not a specialist in the area you require help in, the work will take longer and will be more expensive.

Limit the scope of work

Small business owners can ask for a fixed fee for the work required, so that it is possible to plan their cash flow and to make sure that costs will not escalate. It is important to be clear on what it is exactly that you require. Extras, such as telephone calls, or letters to potentially interested third parties can increase costs without any benefit to your business. When you have assessed the scope of work you want carried out, put it all down in writing.

Do your homework

A good lawyer is invaluable for unusual or complex situations, but there are many instances where you can save money by researching topics yourself beforehand.

There is a wealth of good online legal advice and good information about the law on the Internet, such as from the government website Gov.uk. Taking up less of your lawyer’s time means you will spend less, so a little reading about the basic subject can save a hundred pounds on lawyers’ fees to explain the same background material to you.

Draft your own business contracts

Online legal advice also extends to document templates. Using a solicitor is not a necessary element to make a document legally binding; rather it is the circumstances of the deal itself. You can edit a legal document template yourself to draft a legally binding document, and use a lawyer to review it, rather than drawing it up from scratch.

There are many ways of obtaining cost effective legal support without spending huge amounts of money on solicitors. Professional help is worth paying for in certain circumstances, but you can save money by knowing when you don’t need to do so.

How Digital Technology Can Help Clinical Trial Management

Digital technology is playing a huge part in providing a greater transparency when it comes to the running of clinical trials across the country, as it is used to monitor all clinical trials taking place in the UK to identify whether or not results have been published two years after the stated end date. The aim of this technology is to encourage more results to be published by those carrying out the trials, such as pharmaceutical companies, universities and other major research sponsors, to provide critically valuable information on clinical trials.

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TrialsTracker

TrialsTracker monitors ClinicalTrails.gov is the world’s biggest clinical trial register. Developed by a team of Oxford University academics including Dr Ben Goldacre, author of Bad Pharma and a founding member of the ALLTrials campaign to encourage clinical trial transparency, it aims to identify published and unpublished results. Collecting and analysing data between January 2006 and November 2014 highlighted that 45% of 25,927 eligible trials hadn’t published results, a problem Dr Goldacre is hoping to eradicate by using TrialsTracker to identify those responsible for the overdue trials results.

Believing that increasing accountability will implement and drive change, Dr Goldacre wants to target those doing poorly in the league tables by encouraging them to publish trial results through the use of their trial registry number, enabling doctors, researchers and patients to access and read the results of all clinical trial services.

Mixed Representation of the Pharmaceutical Industry

The analysis of this data has shown some severe failings by particular companies when publishing clinical trial results, including one which has so far run 35 trials but hasn’t published data for any of them so far. On the other hand, there are companies out there which consistently publish results, including one company which has run and published 96 trials to date. Unfortunately, though, three of the major pharmaceutical industry frontrunners currently hold three of the bottom five positions for the lowest number of unpublished trials, having failed to take advantage of clinical trial services.

Also in agreement and welcoming a more transparent publishing process is the Director General of the European Pharma Body, EFPIA, Richard Bergström, who has said that the members of the EFPIA will be held accountable and are committed to ensuring patients, clinicians and medical researchers have access to the valuable results.

Treasury takes u-turn over proposed annuity sales measure

The former Chancellor George Osborne’s plan to allow pensioners to swap annuities for a cash lump sum is being reversed, it has been announced recently.

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The change, which would have come into effect in April 2017, has now been scrapped, because there would be insufficient consumer protection from the market that it would create, according to the Treasury. The Treasury’s economic secretary, Simon Kirby, explained that there was no guarantee that consumers would see good value for their money.

Relief

While some point to the U-turn as yet another sign of the new government removing the legacies of Cameron and Osborne, the pensions industry is breathing a sigh of relief. Close Brothers Asset Management warned that Osborne’s plans could have ended up being the next financial mis-selling scandal, and AJ Bell had voiced concern that the secondary market for annuities would favour buyers rather than sellers. However, specialists in over-50s living, SAGA, found that over half of those wanting to sell their annuity were getting such a small income from it, that there was little that they could realistically do with it.

Debt worries

Although Osborne had stated that most people would be better off keeping their annuity, he recognised that there would be some who would welcome the chance to sell it for a lump sum, if they needed to pay off debts, for example. While some pensioners will feel that with this reversal, the rug has been pulled from under their feet, the fears from the industry are real. Without consumer protection, their money could have been eaten into by hefty charges, and even worse, annuity holders could fall victim to scammers.

For those who had been hoping to swap their annuities for cash in order to pay off debt, they will need to look for alternative methods of reducing their liabilities. Fortunately, there is a range of solutions available, from simply reorganising day-to-day and month-to-month finances, through debt consolidation, IVA, and at the other end of the scale, bankruptcy. That’s where debt management speciallists like https://www.carringtondean.com/individual-voluntary-arrangement-iva/ are able to help.

Debt management experts can help put financial worries into perspective. Often, just a few simple tweaks to the regular outgoings and bills can make a big difference. Even if not, they’re there to help find the best solution to bring personal finances under control.

How to Go About Carpet Cleaning

A well-known technique utilized for carpet cleaning is steam cleaning, which is likewise alluded to as heated water extraction. It includes infusing a cleaning arrangement and hot, delicate water into your carpet. This releases then lifts the dirt and soil from the carpet without the rough brushing required in other cleaning techniques. By utilizing this strategy, the carpet dries speedier in light of the fact that a high rate of the dampness in the carpet is suctioned out so there is no foamy buildup left. This guarantees the carpet does not pull to earth and keeps it from getting grimy quicker. You can now say farewell to allergens, earth, dust parasites and some other poisons in your carpet.

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Proficient Cleaning

Each carpet has a one of a kind cleaning circumstance. That is the reason carpet cleaning administrations begin by having a complete examination, taking note of the territories with high activity and also intensely grimy ranges. Carpets are taken care of diversely in light of components, for example, the nature of the texture to be cleaned. Case in point, a modest one may not withstand consistent cleaning while a woolen rug could. This is on account of strands might be separated every time a carpet is cleaned. Boiling hot water extraction is very viable in disposing of ground-in soil that is not obvious to the bare eye.

Profound Carpet Cleaning Schedule

For the most part, carpets ought not to stay for over a year without profound cleaning, regardless of how little the earth is. You may clean your carpet yearly on the off chance that you live alone with just ecological variables to grimy it, however in the event that you have kids and pets, you may need to clean your carpet all the more frequently, even up to each 6 or 9 months. Regions with high movement will require more successive cleaning to avert collection of earth and make them look wonderful and respectable. High movement regions additionally require amazing carpets that can withstand general washing.

Working with expert carpet cleaners is prescribed at whatever point you require your carpets profound cleaned. Selecting proficient cleaning will guarantee you get helpful, brisk administrations and you can continue your ordinary home exercises in not time. Proficient cleaners won’t just convey incredible cleaning administrations, yet master guidance also on the most proficient method to watch over your carpets.  carpet cleaning in Ottawa provides some of the best carpet cleaning services

carpet-cleaning-ottawa.ca

Credit cards For people with Bad Credit, No Credit, And Poor Ratings

We live in the world of credit. Most of the banking institutions offer different forms of credit from credit card to signature loans.

Majority of people often find themselves in bad credit situations like court judgment, bankruptcy, repossession, foreclosure and loan default, due to lack of enough financial knowledge and discipline which often make it difficult for them to get any credit at all in future. So – what exactly is credit?

Credit means that you are getting a service or cash grant to rent for your own purpose. You are often bound with a contract or agreement to repay in future as agreed with lender or service provider. Credit exists in different forms like loan, mortgage, signature loan, or credit card.

Every financial institution or lending agency, will first check your credit history, before they will consider giving you credit. If you have defaulted on credit or loan before or have bad credit history you will find it almost difficult to get credit any time you apply for it.

However, it’s possible for you to improve your bad credit history or build a new good credit history by repairing your bad credit, thus re-establishing your credit-worthiness. This process is called credit repair. It’s the process in which consumers with unfavorable credit histories attempt to re-establish their credit-worthiness.

Though there are lots of credit repair companies nowadays that promises repairing your bad credit for you, but if you can follow simple guide, it’s very possible for you to do it yourself – after all it’s your credit.

If you repair your bad credit it will make it easy for you to get low interest credit, car or home loans. However, with poor credit rating you may not be able to get loan or be subjected to high interest rates and several other unnecessary conditions. So it’s very important that you repair your credit if you have bad credit. You will get lots of tips on how to do this easily in this book.

Your credits score – how you can improve it.

Your credit score is a very important in any financial transaction that you make or intend making in future. So it’s good you know what exactly your score is, understand its meaning and learn how you can improve it if it’s not good enough.

“Many factors can contribute to a negative rating from the credit reporting agencies. Many factors like are non-payment of an account or late payments over an extended length of time, can contribute to someone getting a “bad credit” rating or poor score. Whether non-payment of an account is willful or due to financial hardship, the result can be the same, a negative rating…. But there is hope to get credit cards for people with bad credit, poor credit or lower credit score”

Credit report – its effect on your personal credit

Credit report is a compilation of your credit history, past financial transactions and personal information possible. This report is usually compiled by accredited agencies known as credit reporting agency.

Credit reporting agencies are organizations that help credit card companies, loan companies, banks, and departmental stores in the country to ascertain the credit worthiness of their would be clients.

Once they have detail information from these sources, they give it to any organizations in need of it when requested. Though they keep on file information concerning you and your credit, they don’t make final judgments as to your credit worthiness. The decision is up to the credit card companies or any lender which you are dealing with.

Credit cards: – types and what you need to know about them.
Nowadays, everybody wants to have at least a credit card. Everywhere you go you see adverts from various banks and other financial institution offering you credit card. However, before you apply for a credit card, there are several factors you need to consider. So it’s very important that you know more about the types of cards available, and one that will work best for you.

Secured credit card: – A secured credit cards for people with bad credit requires a security deposit as collateral before you can get approval. Its type of card that best suit the need of people with no or poor credit who are trying to build their credit history. Your collateral must be equal or greater in value of the credit amount you are applying for.

With a secured card you put up your own money (into a savings account with the bank you are applying for credit card) and that amount (or part of it) is the credit line for your card. Put in $500 and you could have up to a $500 credit line. You can deposit anywhere from two hundred to two thousand dollars into an account, and that will be your spending limit.
This will give you the flexibility of using a credit card and because if you pay off every statement you are letting creditors know that you can handle credit (again) and your bank may soon begin extending your credit line beyond what you have put in. So you are on your way back to healthier credit, to a status where you will no longer need a secured card.

Business credit cards: – These are the card that’s available for business owners, directors and business executives. They come with several features just like any traditional credit cards. You have to consider the terms and condition for these types of cards too before applying.

Student credit cards are another type of credit card specifically for students. These types of cards are made for students because of their lack of credit history, and if given chance they can build their credit history with such card.

Prepaid credit cards: – are set of cards that are just acceptable wherever the traditional credit cards are acceptable, but they are not credit card. You will have to always transfer money to your card before you can make use of the card and you may not be able to spend more than you prepaid for the card.

Presently this is almost the best card for people that want to avoid interest and other fees charged on traditional credit card and also for people with bad credit. However, other little charges like monthly fees, application; over the limit and ATM fees are still applicable, but these gets offset if you pay your bills via money order

Whichever card you decide to choose make sure that you go over the terms applicable very well to avoid putting yourself in financial bondage. In second part of this article we will continue looking at other types of credit card.

Balance credit cards are unsecured standard cards designed to allow consumers to save money in interest charges by transferring higher interest credit card balance onto a lower interest rate credit card.

Low interest credit cards are other types of non secured standard credit card. They offer either low introductory APR that change to a higher rate after a certain period of time or a low fixed rate. You can take advantage of the low introductory APRs to make larger purchases for now and pay them off several months later. It wont be possible to get this credit card for people with bad credit

Air Mile Credit cards are cards that are good for people that travel frequently or planning to go on vacation. It’s a form of reward card that allow you opportunity of obtaining a free airline ticket. You will need to accumulate specified air miles before you can be entitled to free ticket. All accumulated mile points will be based on dollar amount of your credit card purchases over a period of time based on predetermined point level.

Specialty credit cards are other set of standard non-secure cards designed specifically for individual business users and students with unique and special needs.

Make sure that you study the terms of any of the card that you pick very well to avoid risking your credit rating. Also, when you pick any of the reward cards make sure you study the forms and offers very well because credit card issuing companies do offer different reward programs and their promotional offers often change. So make sure you thoroughly look over the card’s terms and conditions of each specific card before applying.

 Is your Business Security Sufficient?

There are various aspects of business security you can consider and should put in place. There are others that offer additional protection and peace of mind. Deciding on what security is best for your business is dependent on many factors.

– costs
– previous security breaches
– type of business you operate
– forms of protection themselves
– your personal requirements

Costs There are certain costs involved in all forms of security. Whether you have a 24 hour security guard in place, or monitored 24 hour security systems. Whether you have in store security daily or use security systems such as alarm systems for products in the store. Online security costs are generally minimal but again it depends on what kind of business you are operating. You need protection for your own funds whether that is in the form of the way you handle your investments or in relation to storage of cash or checks in a safe.

Assessing the business security standards you currently have in place will allow you to make choices as to what other forms you require and then will come the process of costing out all of the other options and making a decision based on the benefit received for the cost outlay.

Previous Security Breaches If you have had previous situations of security breach within your business whether it be employee fraud or theft, or a break in or online access to personal or financial details of your business or that of your customers. Then you already are aware of the requirements you need for improved security and you can move back to the cost section of how you will put the security in place.

Type of Business you Operate

The forms of security differ for the various types of operations there are. For example if you have a clothing retail store you can look into security in the form of on floor security staff or monitored security surveillance as well as alternatives such as placing security chips inside all items of clothing and installing an alarm system for any breaches of items outside the store.

If you have a high cash turnover business you can look into daily fund collection by security companies or a high-tec safe system to store your funds. If your business is online you can obtain security packages from external providers to protect sensitive information or for receiving online payments for your business. There are many forms and the business you operate can determine what your requirements are and then it is again back to the costing issues for each form you may need.

Forms of Protection Themselves Again this relates to the topic above as you have alternatives for whatever system you may need or whether you install a variety of systems to ensure maximum coverage for your earnings or products or information. You can also do further research or question similar business operators as to the forms they have in place to ensure you are doing all that you can.

Personal Requirements Many people are more security conscious than others and this flows through not only for business security but to home security. Some people are happy enough to have fake systems displayed, for example non functioning cameras and stickers advertising security systems that are in fact not in place at all. This does not offer any benefit only a visual deterrent of course which will work in some cases but will not stop well planned or opportunistic thefts.

Whatever style of business you operate make sure you plan for your business security measures to ensure your hard work is not wasted by theft in any form. There are so many different alternatives available and costs are competitive so a little research and forward planning and you can have adequate if not fool proof business security systems in place in a short period of time. Your decision depends on how much value you place on the items, products or services you are offering.

Business loans – Information for Business owners

A business loan provides financial aid to business of all sizes (i. e. small businesses, medium-sized businesses or start-up businesses). It is ideal for business owners who need funding to enhance or expand their business. When you need a loan for your business, you must adopt a strategic approach. Cautious planning is necessary for ensuring success in obtaining business loans.

Business Plan

When you are considering applying for a business loan, it is important for you to take enough time to create a convincing and detailed business plan. Your business plan should include information, which will assist your finance broker as well as the lender/credit provider in providing you with the right type of finance and advice. Here is a list of information you should include in your business plan:

>> Your business structure

>> The purpose and goals of your business

>> Your past and future plans for your business

>> The profit and loss projections and cash flow forecasts of your business

>> Your marketing strategy (i. e. the products or services your business provides)

It is also important to state in your business plan the specific purpose for which you want to use a business loan.

Decisions to make

Once you have assessed your needs for a business loan, you should investigate which finance products suit your needs for a business loan as each loan has varying features for you to choose. To help with this process, here is a list of things to consider and which you can discuss with your finance broker:

>> The loan amount required

>> The loan term (i. e. the period in which the loan will need to be repaid)

>> Interest rate type and repayments (i. e. fixed or variable)

>> Loan fees, and

>> Loan security (i. e. the type of security offered by you)

Finance Products

There is a variety of business loans available to choose from. Here is a brief summary of common business loan products specifically designed by lenders/credit providers for business owners, which can assist your individual situation as a business owner:

Commercial Bill Facility

A commercial bill (also called a bank bill or bill of exchange) is a flexible credit facility that can give your business a short-term or long-term injection of cash. The finance provided by the commercial bill can help your business in the event that you may need to solve an unexpected or urgent problem, and you do not have the required cash flow. You agree to pay back the face value of the commercial bill plus interest to the lender/credit provider on a specific maturity date.

Overdraft Facility

The purpose of establishing an overdraft facility is to provide working capital for your business in the short-term, before receiving income. An overdraft facility should not be used for capital purchase or long-term financing needs. The overdraft is a normal trading account facility for your business, whereby the lender/credit provider permits you to use or withdraw more than you have in the trading account. But, only up to an agreed amount and any negative balances typically need to be repaid within a month.

Line of credit

A line of credit (also called an equity loan) can provide access to funds by allowing you to draw an account balance up to an approved limit. The loans are designed as a long-term debt facility and are usually secured by a registered mortgage over a property.

Fully Drawn Advance

This is a term loan with a scheduled principal and interest repayment program. The loan provides access to funds upfront, which can be used for funding long-term investments that will expand the capacity of your business, such as purchasing a new business or even purchasing equipment. Fully drawn advance loans are usually secured by a registered mortgage over a residential or commercial property or a business asset.

Short-Term Loan

A short-term loan can provide short-term funding needs for your business. You can take out a short-term loan if you want to take advantage of a very quick financial opportunity or to help you get out of a financial cash flow crisis. The loan offers a fixed sum advance and requires a periodical interest charge to be paid by you. Short-term loans typically require a security to be provided.

Business Equipment Finance

If you decide to expand your business operations and take benefits of potential tax advantages, you should consider taking out business equipment finance, as the finance arrangement allows you to buy, lease or hire a new vehicle or specialised equipment (e. g. cars, trucks, forklifts, printing, computing, medical and office equipment as well as plant equipment and machinery). Typical finance arrangements to consider for business equipment finance are asset lease, commercial hire purchase, chattel mortgage or equipment rental.