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The business news

2011-12-07T08:41:00.000-08:00

Making the coronation
1989 survey propped Electrolyte to change its focus, and it has been growing since

By Amanda Lauder
“Electrolyte, completing the circuit since 1978.” A marketing survey Electrolyte conducted in 1988 caused them to expand the focus of their business. “We did the survey to see how we could grow the business further,” Higgins said. “We asked a lot of questions geared toward electrical. Come to find out, to try to grow in the electrical business would have been really tough because there were 22 full-range electrical houses between Green Bay and Oshkosh
That tagline is not only catchy but aptly communicates the mission of Electrolyte Inc. in Appleton as well.
Glenn Higgins is the president and owner of Electrolyte, a company his father, who had a background in the wire and cable industry, started in September of 1978. Higgins came on board three months later.
“I was just coming off of employment at a radio station doing sports and news broadcasting. It’s an exciting business, but you can’t make much of a living doing that,” said Higgins, a 1973 graduate of Xavier High School in Appleton.

Higgins said. “Our big customers were the paper industry and contractors in the paper industry as well as OEMs in the area, like Miller Electric.”

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The original intent of the business was to distribute electrical wire and cable. “That’s the type of cable that was used in industry to power machines and controls

New law may boast economic development
It allows tax increments districts to cross municipals boundaries

By Harry Mainer
Legislation signed into law by Gov. Scott Walker could have positive implications for economic development in Green Bay, Ashwaubenon and De Pare..
The bill was signed at the Advance Business

Making the condemnation
1989 survey propped Electrolyte to change its focus, and it has been growing since

Higgins said. “Our big customers were the paper industry and contractors in the paper industry as well as OEMs in the area, like Miller Electric.”

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The original intent of the business was to distribute electrical wire and cable. “That’s the type of cable that was used in industry to power machines and controls

New law may boast economic development
It allows tax increments districts to cross municipals boundaries

By Harry Maier
Legislation signed into law by Gov. Scott Walker could have positive implications for economic development in Green Bay, Ashwaubenon and De Pare..
The bill was signed at the Advance Business Center, where the idea for the legislation was developed at a meeting of the Advance Municipal Issues Committee. The committee represents all the municipalities in Brown County.
As the legislation develops support, it could have positive implications, even on the national level. The bill was authored by Rep. Chad Weinberg er, R-Ashwaubenon, and Sen. Rob Cowled, R-Green Bay. It passed unanimously in both houses
That is the view of Lawrence Delcine, De Pare city administrator, commenting on the Tax Increment District bill as it applies to mufti-jurisdictional government units.
He said the State Department of Revenue has researched this and reports there are no other states with similar legislation. The district would be limited to cities and villages. Towns are not eligible.
The TID would apply to development projects that cross municipal boundaries. The district would be limited to cities and villages. Towns are not eligible.
Weinberg-ersaid that with passage of the bill, communities such as Green Bay, De Pare and Ashwaubenon will have the ability to work together on a development project that may extend over community boundaries.
Before the new law, a TID could not cross a municipal boundary. Now, if a project extends into more than one community, the entire area covered by the project can be included in the TID and all communities share in the cost and the tax return.

People who make a differences
Serology keeps De Pare history alive

By Betty Wall

History holds a special attraction for Joe Serology, in part because his family has a long history in the community of De Pare.
Born and raised in De Pare, he and his brother Jim are co-owners of Serology’s Chocolates, a company started by their grandfather in 1899. “I was always inquisitive, asking my grandfather what things were like when he was young,” Serology said.
Serology is dedicated to preserving the history of De Pare through his extensive work with the De Pare Historical Society, and is a member of the board of directors. “There is such a vast amount of interesting stuff in the museum, but you can’t expect everyone to come there,” About 10 years ago, he and McKim Boyd of the Union Hotel started a program, now called the Picture Show, of researching local photographs to identify people and city landmarks.
We put everything on disks and started putting on presentations about four or five times a year. We go to either the East or West De Pare High School auditorium and use the big screen. We get as many as 150 people who come. We encourage them to bring in their own treasures, and we have someone at the door with a scanner. We have acquired so many wonderful old photos of De Pare that way that are now in the archives.

Serotonin said. “We decided to undertake a project that brought the museum to the people. Growth Strategies
No slowdown at Scott’s Industrial Cuttings

By Kaitlin Phillips

Upset-visiting Scott’s Industrial Cuttings it takes about a minute to realizes the company is in a period of growth. Scott K ruse, owner of the company at 4325 State Highway 29 east of Green Bay, said he is proud of where the company is going from where it started If the busy phone lines or sizable staff outgrowing a modestly-sized office isn’t enough, the prominent “Now Hiring” sign at the entrance is a good clue..
K ruse-started Scott’s Industrial Coatings with his brother, who he had been working with before purchasing the facility.
“We used to do work for Oshkosh truck operation down at Lukewarmness Fab,” K ruse said. “They had parts they couldn’t handle down there, so they gave us the opportunity to try and do them here. It worked out really well, and as we did it, we continued to do more for Lukewarmness Feb. and began to pick up other customers.”

As a sub-contractor, the company coats and paints new and used steel-fabricated products such as crane parts, booms, frames, military cabs, OEM parts, and parts of military vehicles. It also does work for walk-ins with personal projects that require coating.
“We have three shifts, so we can turn around stuff to our customers without added cost because of those shifts K ruse said he attributes this growth to customer service, especially when it comes to a quick turn-around time for orders. K ruse said.
In its 15 year history, K ruse has noted growth nearly every year and said the company is still trending that direction.
K ruse-said he attributes this growth to customer service, especially when it comes to a quick turn-around time for orders. K ruse said.
The company, which has plans to expand its facilities in the next year, also is adding ovens to speed the drying process even more.
As the legislation develops support, it could have positive implications, even on the national level. The bill was authored by Rep. Chad Weinberg-er, R-Ashwaubenon, and Sen. Rob Cowled, R-Green Bay. It passed unanimously in both houses
That is the view of Lawrence Del-co, De Pare city administrator, commenting on the Tax Increment District bill as it applies to mufti-jurisdictional government units.
He said the State Department of Revenue has researched this and reports there are no other states with similar legislation. The district would be limited to cities and villages. Towns are not eligible.
The TID would apply to development projects that cross municipal boundaries. The district would be limited to cities and villages. Towns are not eligible.
Weinberg ersaid that with passage of the bill, communities such as Green Bay, De Pare and Ashwaubenon will have the ability to work together on a development project that may extend over community boundaries.
Before the new law, a TID could not cross a municipal boundary. Now, if a project extends into more than one community, the entire area covered by the project can be included in the TID and all communities share in the cost and the tax return.

People who make a differences
Serology keeps De Pare history alive

By Betty Wall
History holds a special attraction for Joe Serology, in part because his family has a long history in the community of De Pare.
Born and raised in De Pare, he and his brother Jim are co-owners of Serology’s Chocolates, a company started by their grandfather in 1899. “I was always inquisitive, asking my grandfather what things were like when he was young,” Serology said.
Serology is dedicated to preserving the history of De Pare through his extensive work with the De Pare Historical Society, and is a member of the board of directors. “There is such a vast amount of interesting stuff in the museum, but you can’t expect everyone to come there,” About 10 years ago, he and McKim Boyd of the Union Hotel started a program, now called the Picture Show, of researching local photographs to identify people and city landmarks.
We put everything on disks and started putting on presentations about four or five times a year. We go to either the East or West De Pare High School auditorium and use the big screen. We get as many as 150 people who come. We encourage them to bring in their own treasures, and we have someone at the door with a scanner. We have acquired so many wonderful old photos of De Pare that way that are now in the archives.

Seroogy said. “We decided to undertake a project that brought the museum to the people. Growth Strategies
No slowdown at Scott’s Industrial Cuttings

By Kaitlin Phillips

Upend visiting Scott’s Industrial Cuttings it takes about a minute to realizes the company is in a period of growth. Scott K ruse, owner of the company at 4325 State Highway 29 east of Green Bay, said he is proud of where the company is going from where it started If the busy phone lines or sizable staff outgrowing a modestly-sized office isn’t enough, the prominent “Now Hiring” sign at the entrance is a good clue..
Kruse started Scott’s Industrial Coatings with his brother, who he had been working with before purchasing the facility.
“We used to do work for Oshkosh truck operation down at Lukewarmness Fab,” K ruse said. “They had parts they couldn’t handle down there, so they gave us the opportunity to try and do them here. It worked out really well, and as we did it, we continued to do more for Lukewarmness Feb. and began to pick up other customers.”

2011-12-05T08:19:00.003-08:00

International business news

The European Central Bank acted to softens a loaning recession and alert a credit crunch by cutting interest rates and offering banks long-term funds on Thursday, as EU leaders prepped for a summit that could determined the fate of the euro zone.
ECB President Mario Dr aught also announced unprecedented action to support Europe's cash-starved banks with three-year liquidity tenders and easier collateral rules.
The ECB cut its main rate by a quarter-point to a record low 1.0 percent with anxiety over the worsening sovereign debt crisis drowning out concern about above-target inflation.
Dr aught has signaled the ECB may act more aggressively to support government bonds if Friday's EU summit agrees to move towards fiscal union in the euro area.
French President Nicolas Starkey dramatized the danger facing the 17-nation single currency area hours before their eighth crisis summit of the year in a speech to European conservative leaders in the French port city of Marseille.
"Never has the risk of Europe exploding been so big," he told leaders including German Chancellor Angela Merkel and the heads of the EU institutions.
"The intensified financial market tensions are continuing to dampen economic activity in the euro area and the outlook remains subject to high uncertainty and substantial downside risks," he said in a gloomy assessment.
The diagnosis is that we have a few weeks to decide, because time is working against us," the French leader said. "The diagnosis is that the euro, which should inspire confidence, is not inspiring this confidence.
"If there is no deal on Friday, there will be no second chance."
European Commission President Jose Manuel Barroom used words reminiscent of the late U.S. President John F. Kennedy to appeal to EU leaders to put aside sharp differences and support their common currency.
"What I expect from all heads of governments is that they don't come saying what they cannot do but what they will do for Europe. All the world is watching us and what the world expects from us is not more national problems but European solutions."
France and Germany used the Marseilles meeting to lobby for their plan to amend the European Union treaty to toughen budget discipline, which they want to have ready by March. But several countries are skeptical.
The often contradictory views were illustrated by two comments that came within a few hours of one another. France's Europe minister said the fate of the euro was at stake.
"What that means ... is that the euro can explode and Europe come apart. That would be a catastrophes not only for Europe and France but for the world," Jean Lynette told Canal+ television.
The chair an of euro area finance ministers said the 17-nation currency was not at risk.

Euro gains The euro gained on curacy markets after the ECB decision but European shares prod ga

U.S. Treasury Secretary Timothy Gardner, winding up a visit to Europe to urge decisive action, said the world could be encouraged by the euro zone's progress in the last few weeks.

It was essential for European leaders to strengthen their financial firewall to give economic reforms a chance to work, he said after talks with new Italian Prime Minister Mario Monty in Milan. Monty is pushing through economic reforms after the euro zone's third biggest economy found itself sucked to the center of the debt crisis.

in thin trading with investors sidelined by uncertainty over the summit outcome.
A Reuters poll of economists found that while 33 out of 57 believe the euro zone will probably survive in its current form, 38 of those questioned expect this week's summit will fail to deliver a decisive solution to the debt crisis.

Ratings agency Standard & Pooh's has ramped up pressure by threatening a mass downgrade of euro-zone sovereign ratings.

In one glimmer of positive news for stressed euro zone countries, two big financial clearing houses cut the cost of using Italian bonds to raise funds following some easing in the country's bond yields.

It extended that threat on Wednesday to include the European Union itself, which has had a top-notch AAA rating since the mid-1970s, and large euro-zone banks.

However, a proposals to give the permanent European Stability Mechanism the right to act like a bank with access to ECB funding was "off the table" due to German opposition, one euro zone source said amid preparatory negotiations

In moves to strengthens the euro zone's financial firewall, euro zone officials said the summit was likely to decide to bring forward the launch date of a permanent bailout fund to 2012 from mid-2013 and were close to agreement for their central banks to lend 150 billion euros to the IMF for firefighting.

This infuriated Merkel and was one reason behind a gloomy briefing by a senior German official on Wednesday, who dampened hopes for a breakthrough and said some leaders and institutions still didn't understand the severity of the crisis.

The EU remains divided over the need for treaty change. Summit chairman Herman Van Rumpus is urging leaders to avoid a laborious full overhaul that could take up to two years and face uncertain ratification. He wants them instead to slip stricter budget enforcement through in a protocol to existing treaties.

If all 27 EU states do not support more fiscal union by adapting the existing Lisbon treaty, which took eight years to negotiate, then Starkey and Merkel want the 17 euro zone countries to go ahead alone with more integration.

Swedish Prime Minister Frederik Reined, speaking for a non-euro state, said: "We respect that the euro zone wants their own meetings and take part of the responsibility on their own ... But we want to stick with the 27 concept of course because all of us are members of the European Union and we want to have our influence. We want to keep the European project together."

"We need more binding and more ambitious rules and commitments for the euro area member states," Starkey and Merkel wrote in a letter to European Council President Van Rumpus, who has made his own proposals for tackling the crisis.

Starkey and Merkel are both due to hold bilateral meetings later with incoming Spanish Prime Minister Mariano Rajah before they head to Brussels

The Franco-German plan would slap automatic penalties on countries that overshoot deficit targets and make countries anchor a balanced budget rule in their constitutions. The sanctions could be stopped only if three quarters of euro zone countries are against them.

With financial market doubts hanging over the euro zone's temporary EFSF financial rescue fund, many economists say that the most effective way of getting a grip on the crisis would be for the ECB to buy euro zone government bonds more aggressor.

Not all euro zone countries are comfortable with all the French and German proposals, with Finland opposed to their call for majority votes on major policy decisions very.

But an ECB source said any action on that front would have to await the outcome of Friday's EU summit.

Starting a Business

2011-11-30T10:20:00.000-08:00

Starting a Business

Do you need to take the time and make the effort to write a business plan for your new small business or home-based Enterprise? The short answer is that you don't actually need one but it is very advisable that you create one--particularly in this economic environment. It is a lot of work, but it gives you a road map to set you on the course to achieve your goal of a profitable business. Think of your plan as your "GPS to success."
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There is an old but true saying: If you fail to plan then you are planning to fail. While "going with the flow" might work on vacation or a long weekend, it has no place in business. (The word in the lending markets is that when banks lend money at all, it is based on old style lending criteria where things like your company's written plans play a big role.) Writing a plan will writing a to only serve as your GPS device but it will be extraordinarily helpful in gaining necessary funding for your new venture, particularly now when lending is tight.
Writing a plan will writing a to only serve as your GPS device but it will be extraordinarily helpful in gaining necessary funding for your new venture, particularly now when lending is tight. There is an old but true saying: If you fail to plan then you are planning to fail. While "going with the flow" might work on vacation or a long weekend, it has no place in business (The word in the lending markets is that when banks lend money at all, it is based on old style lending criteria where things like your company's written plans play a big role.)
If you are knowledgeable about your business - either the business you are in or the business you will start - but have little or no knowledge on how to put together a simple business plan, one of your best first steps would be to go to the internet and search out and print out a free sample business plan or a business plan template that is as close to your business as you can find. If you are in or will start a commercial real estate business, for example, looking at a plan for another real estate development company would be helpful to see how its senior management handles the various sections of the plan.
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Once you look at a plan of a company that closely compares to what you will do, go to the internet again and print out several free sample plans from different businesses.
For example, if you will launch an investment and financial management business, technology and software business or a brokerage and mortgage company, definitely consult good plans in your area of endeavor but also print out plans for enterprises as dissimilar as a massage therapy business, basket making, lesson and planning and education, and an eBay business plan It is a good idea to pick out very different small businesses from the one you are in so you can see how companies handle their plans These samples and templates will be a real eye opener for you and will help you understand the process better and how different portions of the plan fit together.
Help you take the right tone for your company and you will also find different voices and tones in the various plans that will help you find your voice. strongly urge you not to copy any plan but it will be helpful to you to read over various plans to get a picture of a whole plan. Never copy someone else's term paper but do read over samples so that you can see how a typical term paper fits together and reads. It is like writing a term paper for the first time.
We strongly urge you not to copy any plan but it will be helpful to you to read over various plans to get a picture of a whole plan.shoping

Planning to Start a Business?

2011-11-30T09:43:00.000-08:00

Planning to Start a Business

Ask Yourself 13 Tough Questions

They are the best of times to start a business because the economy in the U.S. and else here is coming out of a deep recession, which will boost demand and create fresh opportunist for the savvy entrenchment; these are the worst of times to start a business because joblessness remains high and small business start-up funding and start-up business grants have dried up while business start-up costs can be considerably. Naturally, some of these costs can be cut by working on a low-cost business start-up, opting for a home-based business start-up to save on office rent, or choosing an inexpressive online business option.

Many long-standing client relationships have also disappeared. More than anything else right now, consumers and businesses want the lowest cost, period! There is real opportunity to start a business today because many, many businesses that existed prior to the recent recession have gone belly up and left broad segments of markets under-served. This presents a great opportunity for entrenchments who want to position themselves in the marketplace as the lowest-cost provider.

But before you get too far ahead of yourself to start a business, ask yourself these 13 questions so that you can take a good look at yourself, your capabilities, your commitment, and your business plan:

Where's the money coming from?Start up business financing business start up funding and start up business grants are hard to come by. Where will you get a small business start up loan? There has been a change in the banker's tone recently regarding small business. That tone change is that if you survive the recent recession and you are still here, come see us about a loan. Of course, for the new business start up, that same banker might view you as too risky for a loan. You may want to apply for a loan anyway and get turned down. Then the bank can go to the Small Business Administration and get help for you in securing a loan.
Why do you want to start a business? Is it really for you? Up until the recent recession and its aftermath, we suggestive that you start a business of your own only if you have a real passion and commitment to get out on your own and do what you have to do to make it happen. Unless you are very lucky or very rich, to start a business of your own can be tough sledding for a lot longer than you might anticipate. Today, there is another group of people who likely need to start a business of their own--those in their late 40s, 50s, 60s and 70s who simply cannot find work. Those are the people who have sent out 200, 300 or 400 resumes and gotten literally no response in the job market. For them, their only alternative is to get that new business going and move into the black as quickly as possible and achieve financial independence once and for all.
What do you know how to do, and what do you love doing? Are you a great butcher, baker or candlestick maker, but rather be skiing, boat making or involved in a craft? Are you one of the lucky ones who have great skills in the area that is also your passion? You need to decide what direction to go in with this. If you are a great teacher, an obvious business step for you to take is to develop a tutoring business. You can do this on your own or through a franchisor company. If you have had it with teaching kids and love travel, perhaps you could combine your skill and passion and create a semester abroad business for active adults
Do you have a strong Spense of what business you would like to start? If you have a passion for being in your own business but do not know what business to pick, we strongly recommend that you look into a franchise business for start up business ideas. A good franchise company will literally tell you all you need to know to be successful in a particular business. It will cost you more than starting a business on your own, but you will be able to climb the learning curve a lot more quickly than you can on your own. Be careful with franchises and know what you are doing before you sign on the dotted line.
Do you know how to run a business?Running a business takes different skills than practicing what you know or love. We know two business people who set up a highly profitable home remodeling business--even through the current recession. The first fellow knows everything there is to know about improving a house, but almost nothing about running a business. The second partner knows how to run a business, but is not a skilled crafts an. Together, however, they are a great team. If you don't know how to run a business, learn how to do it, or partner with someone who has complementarity skills to yours. If you want to start a consulting business, for example, and love doing the work but hate doing the selling, then partner with someone who will get on the phone and sell the job. You will both do well financially.
Why do you think your business idea will work?Do you think your business will work just because Joe or Jane down the street is making a similar business work? Do you have their skills and talent? How do you know? We are not being negative or pessimistic, only realistic. What is that entrepreneur bringing to the table? Do you really understand why his or her business works? One stark example we know of is a highly successful local party planner. A would-be entrepreneur who attended one of her party functions said to herself, "I could do this!" Absolutely! The new would-be entrepreneur could plan and execute a party, no question. What she did not realize at that moment was that the successful party planner could indeed organize a good party, but the key to her success was her ability to network almost constantly with high net worth individuals in her market who had the bucks to hire a planner. If you are attracted to a successful business, you need to really understand what makes that business tick.
How will your business start, grow, and proper? You may read this question and respond…"How the hell do I know, I haven't started it yet!" Exactly our point! You do not need a formal business plan to start a business and to grow a business, but we will tell you that it is a lot easier going forward if you "force yourself" to sit down and come up with a realistic plan. Creating a real business plan is hard work and a pain. But it is hard work that will be rewarded. It forces you to think past rationalization that we all tend to make and come up with something real and doable. Remember: if you fail to plan, you are planning to fail.
Do you know the applicable laws that apply to your new business start up? If you are going to run a business out of your home, are you allowed to by law to have a business there? Can you have employees working out of your home? Can you legally store supplies in your garage? Can you have trucks in your driveway? You need to figure out what you can do and what you can't do.
Can you layout in a step-by-step fashion, what you need to do to get the business off the ground and running? We are not talking about a written business plan here. We are talking about your ability to vitalize the business being successful and the key steps you need to take to make it profitable.
Who can you turn to for help to set up the business in the most effective way? There are a number of different ways to organize your business...sole proprietorial, partnership, corporate or LLC to name just a few. Do you know what is best for you? Figuring that out now, will save you money, time and effort in the future.
If you are new to business, do you have a mentor for business start up advice? If that sounds all tough-freely to you, it is not. You need someone you can talk to. You need a "been-there, done-that" kind of person.
What about setting up an office? What is the most effective way for you to do this? What about buying a computer system and small business software?
What about issues like taxes, payroll, and insurance? Where will you turn for help?

How to opening a business with no money?

2011-06-16T08:33:00.000-07:00

How to opening a business with no money?
Searching Bad Credit Business Loans? Consider Bootstrap Financing!

Have you considered bootstrap financing? Searching for information on bad credit business loans? Millions of would be enterprises just like you, are frustrated because they just can't seem to qualify for traditional bank loan financing.
My Personal Journey
Here's why you should avoid bad credit business loans at all cost…
Our company was sold off, as well as our big "American style" home and most of our assets. (We were masters at living way beyond our means.) Although we netted a nice profit, we were living in a credit nightmare. Since our business was seasonal (we sold educational supplies to the schools, universities, etc.), our operating costs were fairly high. About 4 years ago, my husband and I sold off all of our assets in Ireland and moved to Georgia to escalop debt. Cash flow was a real concern. For almost 7 months of the year, our small company survived on a business line of credit –- essentially a BIG bank loan. Believe me when I tell you that we had many sleepless nights and an awful lot of stress.
This was just not a viable option for us. We decided to rely solely upon bootstrap financing to get our business up and running. It was then that I embroiled on a journey to learn all that I could about starting a business without bank loans. I now run three p. My quest for information and creative solutions is what spurred me to become a Certified Start-up Business Consultant who specializes in cost reduction strategies for new start up businesses. Profitable businesses –- without owing any money to lenders. It's a great feeling.
After selling off everything, we moved to America and started all over again. Since neither my husband nor I had any established credit, we did not have access to traditional bank loan financing when we started our business in Georgia. After contacting a start-up consultant, it was suggested that we apply for "bad credit" business loans as a means of funding our new business.
Don't Be Tempts To Dig a Deep Bad Credit Black Hole!
If you are overextended, with a mountain of debts you just can't seem to tunnel your way through, there is still hope. Don't let anyone tell you that the only way that you can fund your start-up is to rely on bad credit business loans -- even though you may have less than perfect credit or don't own a home. You can achieve your dreams of owning your own business without borrowing money. I have personally seen this dream come true for many of my clients.
The Secret is Bootstrapping
Honestly asses where you are right now financially, and how you got there. You just need the know-how. The secret ingredient for learning how to start a new business without bank loans is to bootstrap. Before you can get started with bootstrap financing, you may need to make some lifestyle changes. This is the first step to getting out.
Small Business Funding: Find Money to Start a Business Without Start Up Loans
Having done it both ways (with start up loans and by bootstrapping) I can honestly tell you that bootstrapping is what I practice and preach. I would have pacing the floor when we were first starting out in business and I remember all too well the sleepless nights my husband. We were "up to our eyeballs" in bank debt – all the while juggling cash flow from our seasonal business. Although we had a very profitable company with annual sales of $2.7 Million, we soon realized that funding our small business with debt financing was eating up all of our profits! This is just not the case with a bootstrapped business. The profit you make is the profit you keep.
Have you been haplessly searching for small business funding for a new venture? Well, without the need for HUGE start up loans and today I'm going to share my #1 secret with you for finding money to start a business. Drum roll please. The secret is Bootstrapping. I know it sounds quite simple, but it is no less defective. Unfortunately, many of us have been trained to believe the only way to start a successful new business is with bank loan financing. This is simply not true.
Now I teach budding entrepreneurs the secrets for finding small business funding without BIG bank loans. I love my job as a Certified Start Up Business Consultant. I would have never taken this career path if I had not experienced first-hand, the perils of building a new business on a mountain of debt from huge start up loans.
If for some reason you cannot repay the debt, the lender takes possession of everything that you've worked so hard to build. We ended up selling that business in March 2005 – and never looked back. It did however teach us a valuable lesson: never use borrowed money to start a business if you can help it! The repayments inhibit true growth by eating up all of profits – and you're still not free. The borrower becomes the servant (some say slave) of the lender, until the debt is paid in full.
Best Business to Start With Less than $100.
Move In/Move Out Cleaning Service – This is one of my recommendations for the best business to start for under $100! It gets my top rating because, (1) it requires very little money to start, (2) you can start up immediately; and (3) you can continue to grow this business by bootstrapping. Advertising and promotion for this business is also quite easy and affordable.
Marketing Tips to Help Get You Started
Finding customers for a Move In/Move Out Cleaning Service needn't break the bank. Try forming partnerships with other related businesses, offering them a commission or referral fee. Here are some possible partners:

· Apartment Finding Services

· Moving Companies

· Construction Companies and Small Home Builders

· Self-Storage Facilities

· Moving Truck Rental Companies

· Self-Storage Facilities

· Realtors

How Did We Get Here?
Inflation also sparks a decline in gross domestic product, which refers to the output of all products and services produced in the nation by businesses, like your employer. (So, by learning how to start a business without bank loan financing, you are essentially breaking a link in the debt chain.)
This weakens the buying power of your dollars, which causes most people to "put the brakes" on spending. Especial if that spending is not cash spending, but credit spending. The short answer to what causes a recession, is inflation. Inflation occurs when the cost for products and services continues to rise over a sustained period
The vicious cycle results in home foreclosures, government bailouts of banks (when mortgages are defaulted), and the like. It all perpetuates because of a dirty, four letter word -- D-E-B-T!
Once consumers begin guarding their dollars, business owners feel the brunt of decreased sales revenues, leading to cuts in overall spending – and ultimately job losses. There is no doubt that recession depression is real. You're not alone in your quest to find a cure. How is it possible? Especially, when all we hear about is:

A Looming Foreclosure Crisis
More Job Cuts
Government Bailouts
Falling House Prices
Government Bailouts

The Solution…
Learn how to start a business, without the crippling weight of debt. There is light at the end of this, seemingly endless, dark tunnel of economic woes. Be empower to cope, by being in control of your financial future. How? Bootstrap Financing is the answer.
Don't allow the doldrums of recession depression to stop you from regaining control of your life. You can learn how to start, manage and grow you business -- even if you don't have much money, don't own your own home, or have poor credit. Investigate bootstrap financing methods, and start your own business TODAY!
Bootstrap Financing Methods
Did you know that there are hundreds of absolutely free resources that you can take advantage of, to help your home based business obtain the all important start up funding it needs to succeed?
All of the ideas we've discussed are free sources of funding, to assist you in your bootstrap financing plan.
I work with people everyday who just didn't think that they had enough money to start a business. You can find the money you need to start your business TODAY – even if you have poor credit or don't own a home
If you're desperately searching for business start up money to finally realize your dream of successful business ownership without bank loans, consider the services of a Certified Start Up Business Consultant.