The Impact of Slowing Economic Growth (bajol posted on October 26th, 2012 )

The right kind of business to own in such an environment is a franchise business that deals with essentials that consumers cannot do without. Why a franchise? A good example of this kind of franchise is the dry cleaning business. This results in families changing the way they structure their time. This trend demonstrates yet another one of those global issues that affect business that can be solved most effectively by franchising. By making the investment into one of them the buyer eliminates the problems with higher insurance costs and poor business models.

IT Issues
The way a company is managed and the way members and employees of the business feel about the company, have a huge affect on business growth. The Economy is one of the greatest things that affect a business and its growth.

Structure
Communication, idea generation and marketing structures are all different for different businesses depending on certain factors. Structure affects growth in that it is how a business handles growth will determine how, where and how quickly it grows.

The tools a company has
1. The interest rates of the banks
As a business person, you should ask yourself as to how easy it’s going to be for you to borrow money from the bank to finance your business. For instance, in developing countries, commercial banks are not so much be willing to lend money to farmers because they think that they run high risk businesses.

2. Per capita income
In developing countries, most people do not have enough money to spend on their basic needs. The same advert may have a higher cost per click in a developed country than in a developing country.

3. Availability of Infrastructure
While online businesses rely heavily on a good communication system, agricultural businesses depend largely on good road networks. It’s difficult to be in business alone without other competing businesses.

Cash Flow Issues (bajol posted on October 25th, 2012 )

Cash flow issues are a problem for many small business owners, especially those who may be paying their business expenses from their personal paychecks, and they are living from one paycheck to the next, with no savings to fall back on. Cash flow issues are not the sole domain of the smaller business, but they are the most likely to go under if the problem grows too big. Cash flow issues are what make or break startups.

Business there are business risks associated with conducting day to day business operations. Businesses rely heavily on cash flow to be able to weather the fluctuations of the business-cycle. Financial starting a new business can be financially fraught. If you are investing your own money, then you are risking your personal financial security as well as your newly founded business. Solution Separating your personal finances from your business adds the shield that will help you to avoid the risk of damaging your FICO scores, or worse losing your house, car, or life savings due to a failed business.

Once your business entity is set up, you can start creating a business credit profile that will allow you to obtain business lines of credit, small business loans, business credit cards, and vendor credit. Avoid cash flow issues caused by using your own personal income. Practical Tip
There is evidence that despite the low notional interest rates, UK banks are both improving their margins i.e. making more money and imposing tougher conditions on borrowers to the detriment of the Small Business Sector in particular. Having borrowed heavily in the boom years, many people are now focusing on reducing their levels of debt.