Tag: Business

Get a flamboyant beginning with business startup funding

Examining your financial situation is a crucial step to determining your cash needs for the start up process. Making a business plan marks the beginning of the project. Therefore the value of financial planning cannot be understated. It is an aid to driving business growth, maximizing the application of working capital, targeting the use of important resources. Emphasizing on the financial requirement and ways and means of repayment will help in procuring business loan financing. Unfortunately, due to budget, time or internal resource constraints, companies are often unable to enjoy the benefits derived from financial planning excellence.

There are several choices for financing sources but each carries its own opportunity cost. You may need a loan for only a portion of the expense requirements; remember that interest on any loans become part of expenses. It is not easy to procure a business startup funding .Collateral requirements and well laid-out business plan are the essential prerequisites for the loan. This sometimes takes a long time to avail a business startup loan. Since there is a lot of risk involved in lending to new entrepreneurs, banks are not in favor of it. Therefore, a lot of hard work is necessary to prepare the ground work for procuring a business startup loan.

Obtaining money refers to two separate processes; banks will likely not lend you the entirety of the sum that you will need to start your business. Banks and other financial institutions expect potential business owners to have their own money to put on the line, as well. In fact, lenders usually require that potential business owners put up as much as a third of the startup costs. This means that if you expect to need $ 100,000, $ 30,000 of your own money will be expected to be put into the business. If you don’t have that sum there are other sources to look to, in order to raise that money.

Loans so obtained can help in recruitment of manpower, expanding business, buying equipments and stationeries, renting office facilities and capitalizing on business opportunities. Every aspect of the business can be covered by business financing loan. The money can be used to finance the purchase or renovation of a building. Advertisement of the business can be done with the money. This can be done through flaunting banners, distributing business cards, starting a website or announcing on radio and television. It can also help to purchase new equipment and tools.

Thus a business startup loan can aid an entrepreneur in many ways. If you really believe in yourself and the business idea then this is a viable option but remember to proceed with caution at all steps.

Macro business capital funds understands your business startup funding needs and thereby provide you with all the viable options for business financing loan in a very prompt manner. For more info visit us at https://www.macrobusinesscapital.com/

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MBC funds: Providing an immediate access to your business financing.

People run business to earn benefits and to make all its resources to the full use. However, people due to increasing competition today, takes risks calculated for their business objectives. Here, money also plays an important role. Risk and crisis are an integral part of any business and the more apt you are at managing business crisis better is your chance to prosper. However to survive and recover from a crisis is the most important element required by any entrepreneur. Nature of the business is in two categories. They are new or seasoned business. Obviously the business finance depends on this nature. Whatever may be the type, the fact is there are profits earned and these profits are helpful for them to do some activities like buying machinery, tools, furniture, land, raw material, expenditures etc. This often helps them to develop their business as well.

Corporate finance is the other term coined for the taking aid from the government, in order to set your business. There are many banks in America who are willing to give loans on business schemes. Brokers’ agents and financial institutions are also there to help you and ready to explain you about the lengthy procedures for finance of a new business.

Under the corporate financing, there are two types of categories. These divisions are as follows:

* Long-term financing decisions – Capital investments are subjected for long term, whether to finance that investment with debt or equity. This scheme also pays dividend to shareholders.

* Short-term financing decisions – It can be grouped under the heading called Working Capital Management. This scheme deals with short-term balance of current liability and current assets.

Loans also play a vital role in business financing. The types of loans are secured or unsecured loans. It is the choice of the borrower to select according to their requirement. These are also a big credit to the borrowers to improve their business in their own ideas and thoughts as well. Secured is for those who want to enjoy larger loaned amount and other attractive features. But there is a condition, for enjoying this as one has to place valuable collateral against the loaned amount. In most cases, the loan providers would insist on maintaining a minimum debt-equity ratio to safeguard amount lent. These restrictions can severely handicap the entrepreneur’s ability to overcome the crisis and utilize the fund to his maximum benefit.

For the borrowers who are interested for small amount, they can opt for unsecured business finance. Here there is no need for the borrower to place collateral against the loan amount at all. The main focus in this scheme deals with short-term balance, short-term borrowing and lending. Competitive rate interest is provided for unsecured business finance. The major feature of these business credit loans is the absence of any tax return statements, financial statements or collateral. In addition, these financial institutions also don’t demand the business plans. They mostly concentrate on the elimination of the unnecessary time wastage on the arrangement of such documents.

Macro Business

It is not easy to find business loans lender that abides by your needs. In fact it is investments in itself.MBC funds are the best portal for business finance newyork which avails easy application process for business credit loans.

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Web Design Business for Beginners(2016): Start a Web Design Service Business Even Without Code Knowledge or Any Experience Whatsoever

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IB Technology – Business Solutions, Technology Consulting, Technology Services

IB Technology Solutions Inc (IB Technology) is business solutions, IT consulting and IT Services Company. It is a part of the Indiabulls group of companies (Net worth USD 4 Billion). The group achieved a Profit after tax of USD 225 million in the last financial year. All the group companies are well funded and occupy leadership positions in their respective business areas. IB Technology aims to become one of the top 10 players in the software services business in the next 5 years. Our expertise spans across a diverse range of offerings such as Application services, Independent Testing Services, Business Process Outsourcing, Infrastructure Management Services, and Mobility Solutions. We have deep business expertise in the domains of Financial Services, Capital Markets, Real Estate and Telecom.

IB Technology’s unified implementation framework is the medium that allows IB Technology to align completely with the client’s business requirements and to provide solutions that are robust, secure and goal oriented. This unique framework has helped IB Technology in implementing solutions successfully across industries and geographies. The framework creates a Person to Person mapping between our onsite consultant and offshore delivery manager to ensure that business needs and the project delivery are totally integrated. The onsite and offshore teams are integrated through the shared infrastructure. The offshore team is always available through multiple mediums such as Skype thus ensuring complete connectivity. The framework eliminates the traditional “Throw over the wall” approach and ensures that the customer expectations are met in all deliveries. This focus on total integration ensures risk mitigation, quick response and success at all levels.

Your technology decisions need to serve your business goals to deliver value. You need to entrust your technology to a partner who is not focused on bringing down you short term costs through cost arbitrage but is more focused on maximizing the total return on your IT investments. IB Technology has served as the IT backbone of various large enterprises. We help you to implement technology solutions that make your operations and service delivery more efficient. IB Technology always focuses on ensuring complete integration with the client needs to ensure risk mitigation, quick response and success at all levels. Our value proposition is based on superior solutions through business innovation rather than only cost arbitrage. Our core focus is on delivering long term value for the customer rather than only on short term cost savings. Clients across the globe have utilized our services to use IT as a strategic tool for long term competitive advantage.

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Starbucks Gives Up On The Teavana “Tea Bar” Business

Spencer Platt / Getty Images

Starbucks once saw a massive future selling tea in the U.S. It acquired tea retailer Teavana in 2012, and in October 2013 opened its first Teavana Tea Bar. “Tea presents a $ 90 billion global market opportunity, and we are excited to celebrate the first retail example of how our two companies are coming together,” said Starbucks CEO Howard Schultz during the launch.

Now, just 27 months after opening the first of five brewed tea outlets, Starbucks is largely abandoning its tiny chain of standalone tea bars. The company announced on Friday that it will convert the three Teavana tea bar locations in New York into Starbucks stores by the end of April. It will close its Beverly Hills location. Only the Seattle location will continue to operate.

While Starbucks just reported record revenues in its most recent quarter, today's announcement reflects the coffee giant's setbacks growing its other smaller brands. Maybe Americans just aren't that excited about tea, even when it comes endorsed by Starbucks.

Teavana isn't the first retail operation Starbucks has abandoned. In July, the company announced that it was closing all 23 La Boulange stand-alone locations and the two manufacturing facilities that serve those them (La Boulange baked goods are still served in Starbucks cafes).

Starbucks also closed its Evolution Fresh retail location in San Francisco, but kept three stores open in Washington.

Howard Schultz, CEO of Starbucks, and Oprah Winfrey visit the Teavana Fine Teas + Tea Bar in New York in 2014.

Kevin Mazur / Getty Images

There are still 350 Teavana shops that sell packaged teas and gift sets, and the brewed teas are also offered in Starbucks cafes. “Focusing our investments on bringing an up-leveled tea experience to our customers through Starbucks stores and our Teavana specialty stores will allow us to reach more customers through our broad footprint,” said Teavana spokeswoman Alisa Martinez in an email.

This of course, was not the plan. Starbucks was betting on a large and growing population of American tea drinkers to support the expansion of the tea bar concept.

“The Teavana Tea Bar is a critical first step for us to meet the needs of tea drinkers everywhere by providing a place where tea enthusiasts and casual tea drinkers alike can learn about, enjoy and share in the tea experience,” said Cliff Burrows, Starbucks group president for the U.S., Americas, and Teavana in 2013.

It's possible that Teavana tea bars might find a more eager tea-drinking audience in China, Starbucks' second largest market, where Starbucks is expecting much growth in the future. If the tea chain does open in China, however, it will be far from the only tea shop around.

Spencer Platt / Getty Images

Starbucks Is Closing Its La Boulange Stores — Can Its Other Brands Survive?

One In Six American Adults Got A Starbucks Gift Card For The Holidays

BuzzFeed – Business

Sony Pictures’ Business Secrets Revealed In Hack — Yep, “Seinfeld” Is Still A Cash Cow

The massive data leak includes intricate details on television syndication and movie licensing deals. From a commercial standpoint, it’s a nightmare for Sony.

Sony Pictures / Via sonypictures.com

The vast trove of internal data hackers took from Sony Pictures Entertainment isn't just a nightmare for its employees, whose deeply personal information was made public. It also revealed intricate details about Sony's business, including syndication contracts and movie licensing deals, which could have huge ramifications for the company's shareholders and business prospects.

Included among the leaked files, for instance, is a signed document between the company and television station owner Tribune Broadcasting. It details a syndication deal between the two companies for the sitcom Seinfeld, and calls for Tribune to pay Sony Pictures $ 37,500 per week over the next three years to air the show on nine of its stations.

That's a total of $ 5.85 million to air a show that broadcast its last original episode 16 years ago and is now on its fifth syndication cycle, meaning Sony has negotiated deals similar to this four times prior. Another document details a similar deal with the CBS-owned television station in Seattle, under which Sony will collect $ 4,500 per week for the next three years, or $ 702,000 total, for that one station alone.

The leak includes hundreds of similar contracts, for shows like King of Queens, The Dr. Oz Show, and All in the Family, dating back to at least 2008. Also contained in the leaked documents are details of how Sony Pictures bundles and packages movies for licensing.

It is, in short, a veritable commercial nightmare for the company.

The documents don't just shed light on the arcane and opaque world of television and movie licensing deals. They also give Sony's counterparts on both sides of the negotiating table — the potential buyers for its shows and films, as well as other production houses trying to sell their content to those same people — a glimpse into how Sony prices, markets, and structures its contracts. The leak has essentially eradicated any leverage Sony may have had over potential buyers and competing sellers in licensing deal negotiations.

It's as if Sony showed up to the poker table holding its cards facing the wrong way.

When asked about the documents and their authenticity, a Sony Pictures representative declined comment.

AP Photo/Sony Pictures, Niko Tavernise

This hurts particularly because television and movie studios, much like record labels, rely on their back catalog of content to generate steady and recurring cash flow to offset the hit-and-miss nature of the business.

Owning hit shows and movies such as The Blacklist, Shark Tank, 22 Jump Street, and Spider-Man gives Sony the ability sell into any distribution channel, from pay TV and on demand to broadcast TV and streaming. The more hit shows a company owns, the more easily they can bundle them with the duds and sell them as a package. The quality of the library serves as both a bargaining chip and a highly lucrative annuity.

For example, one Excel spreadsheet contained in the leaked files details 10 different movie bundles Sony was shopping. Each package was listed under a “product group” — among them “Showcase VII,” “Sony Classics,” and “Sony Pictures Elite” — and contained a select number of movies from a specified date range that would run for an approximate number of times before the term expired. Each entry also included some sales copy describing the bundle.

One such bundle is called “Broadcast Favorites II” and included 41 movies ranging in availability from July 2009 through July 2010 that each had licenses of no more than two months and could be run between two and four times.

The sales copy for that bundle read: “This package is anchored by many of Sony's recent hits, including The Covenant, Crossover, and Gridiron Gang. With genres ranging from action to drama to comedy to romance, this package includes classics such as both My Girl films, newer releases such as Stranger Than Fiction and Reign Over Me and holiday themed films such as The Nuttiest Nutcracker. Big names such as Tom Hanks, Denzel Washington and Bruce Willis are prominent throughout the package.”

Bundling has, of course, been a big topic of conversation in the media industry this year. On the network side, more and more blackouts of channels such as CBS and CNN and MTV are occurring as pay-TV distributors fight back against onerous licensing fee increases and the packaging of higher-rated channels with lower-rated ones by network owners. Part of the reason Comcast is spending $ 45.2 billion to acquire Time Warner Cable and AT&T is paying more than $ 60 billion to buy DirecTV is to increase their leverage in these very negotiations.

At the same time, the rise of on-demand viewing and streaming services such as Netflix, Hulu, and Amazon Prime has given way to an unbundling of shows from the channels that air them. Consumers no longer need to subscribe to a pay-TV distributor to get AMC if all they really want to watch is Breaking Bad, which they can do on Netflix if they are willing to wait.


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BuzzFeed – Business

Uber CEO: Obamacare Has Been “Huge” For Business

Health care frees drivers from “The Man.”

Handout / Reuters

The CEO of Uber said Friday that Obamacare has played a crucial role for his army of drivers, an unusual, partial endorsement of the president's signature policy from a man often cast as a hero of anti-government libertarianism.

BuzzFeed News reported in October that the new, subsidized market for health care has been a boon to companies like Uber, which are essentially digital middlemen relying on armies of independent contractors. Figures ranging from Uber drivers to Obamacare architect Jonathan Gruber called the health care overhaul crucial in the emergence of the sharing economy, but Uber had remained officially silent on the subject until Friday.

“It's huge,” Travis Kalanick, Uber's CEO and co-founder, said in response to a question about Uber and Obamacare at a dinner in Manhattan. Kalanick didn't comment on the specifics of the health care policy, but said he sees little sense in the traditional link between employment and health care; he said he believes all Americans should have access to some health care safety net, without losing the option of paying more money for private care.

And he said the success of Obamacare's core goal — creating a functioning individual market for health care — is very much in sync with Uber's vision of a liberated work force.

“The democratization of those types of benefits allow people to have more flexible ways to make a living,” Kalanick said. “They don't have to be working for The Man.”

Uber is vastly the largest and most successful of a new wave of sharing economy companies, adding 50,000 new independent contractors to its platform nationwide every month, and Kalanick's endorsement comes as a new Republican Congress feels its way on issues touching both tech and a health care policy many of its leaders have sworn to repeal.

BuzzFeed – Tech

As Online Storage Prices Race To Zero, Dropbox Turns To Business

Today, Dropbox said it was rolling out some new tweaks for its business service. But it has a long way to go.

Stephen Lam / Reuters

Piece by piece, Dropbox is trying to find its way into a potentially massive new business: large companies paying Dropbox to power their file-sharing.

The company says it has 300 million users — 70% of which are international — and has been best known as a consumer-facing online storage startup. But after raising money at a $ 10 billion valuation, Dropbox has come under intense pressure from competitors including Apple and Google, as well as other startups like Box, which is pushing the cost of online storage toward zero. Dropbox, much like Box, has had to bet its future on providing a valuable layer of services that sit on top of storage — including for businesses.

Part of that business-focus arrives today in a new tool that makes it easier to bring new employees into Dropbox and assign them to specific groups, where they can immediately start working with coworkers on projects and view files within the group. Dropbox for Business, which began as an initiative about a year and a half ago, has quickly become one of the company's highest priorities as it slashes prices for its consumer-facing online storage.

In total, Dropbox has 80,000 companies as paying customers, though its regular users can be found within 4 million businesses, including 97% of companies in the Fortune 500, head of product Ilya Fushman told BuzzFeed News. The challenge for Dropbox is to convert those extra users of its traditional file sharing tools into business users. Dropbox also says it has more than 300,000 applications using its platform today, and has business clients like Spotify, Foursquare, Hearst and News Corp.

The process required a completely new version of Dropbox, which the company had to rebuild from the ground up, Fushman said. Many businesses require a whole suite of tools to meet regulations and ensure a business runs smoothly — hence the need to virtually start from scratch. Some examples among them: a list of everyone who has accessed a file, tools to determine who can see a file, and who can modify things like Microsoft Word documents.

“The main focus for us is to help people get work done better,” Fushman said. “Obviously we are a business and we have to think about monetization and revenue, but the first, foremost focus is helping people get work done and building the best tools. We're going to be making huge investments in mobile to get people more functionality, more efficiency.”

Dropbox's original value proposition — dead-simple file-sharing across multiple devices — isn't necessarily dead. In fact, ensuring files synchronize across devices as fast as possible is an interesting technical problem that has attracted a wealth of engineering talent to the company. But the business of selling just online storage has basically evaporated, leading to price cuts for Dropbox's storage or, in the case of Box, doing away with charging for storage altogether.

Dropbox has certainly made progress, securing major partnerships with smartphone manufacturers like Sony and Samsung to build its software deeply into the operating systems of those phones. And the company has created business tools over the course of the past two years that represent a whole new line of revenue that didn't exist.

Dropbox

Finding its way into businesses is not the only part of Dropbox's search for a future beyond charging for storage. The company is also rapidly expanding its efforts to build out a portfolio of mobile applications and embed its storage into new devices — most recently Sony's smartphones, as previously reported by BuzzFeed News.

But those applications, such as its photo-storing service Carousel and its email client Mailbox, haven't gathered mainstream adoption in the same way that other popular consumer applications like Snapchat, Facebook Messenger and Instagram did. Dropbox has found its way into partnerships with device manufacturers like Sony and Samsung, but it has not quite found a winning formula when it comes to mobile devices. In many ways, the problem mirrors pre-IPO Facebook — as the vast majority of Internet usage shifts to mobile devices, so too does a company's existential priorities.

Enterprises, however, are a tried and true way to generate revenue. But Dropbox's challenge will be to convince companies that it is not only better than services like Microsoft's Sharepoint, which has traditionally been widely adopted by larger companies, but also rising companies like Box, which is seen as an attractive tool for businesses when it comes to file-sharing and collaboration given its years of experience and Dropbox's relatively new enterprise services. Box says it has been able to attract 27 million users across 99% of the Fortune 500, and has converted 39,000 companies into paying customers. The company has secured deals with universities and large corporations like General Electric, which can potentially have tens of thousands of seats.

Dropbox is seeking much of the same enterprise-level integrations that Box offers. Box, for example, works with Salesforce, a widely used application for keeping track of sales and marketing. Dropbox recently inked deals with Microsoft to power some collaboration tools around Office and is working with Salesforce. But for some companies, Box — having focused on powering businesses from its beginning — is seen as one of the leading secure file-sharing and collaboration tools.

“OneDrive will always be a feature, same with Dropbox for Business,” Six Flags director of interactive services Sean Andersen told BuzzFeed News. “It does synchronization great, but I'd still give up that compatibility for a platform that has long-term usage as a corporate product. I can look at [Box] as a workflow product, not an end-user experience.”

Still, Dropbox is betting that the easier end-user experience is what will eventually capture a large enough business to justify its $ 10 billion valuation. It's a method that has grown increasingly popular as enterprise companies like Yammer and Salesforce, which took design cues from the consumer-focused internet industry: build software and applications that appeal directly to end users, who then essentially force their IT departments to do business with the company.

“We're being very thoughtful about where we build and where we partner,” Fushman said. “We're actually more concerned around feature creep on our end, we want to keep the product very simple and very secure. On that end, we're working with some great partners. And we're being thoughtful about the [tools that enable developers to build on top of Dropbox] that we build.”


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BuzzFeed – Business