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There is no getting around the fact that the holiday season is busy for everyone. As consumers begin making their holiday purchases many small businesses struggle to keep up with orders. It can be difficult for them to have the working capital they need. They have to have funds to purchase the material they need to produce and ship their products. It is the perfect time for merchants to secure an alternative business loan, but many are too busy to realize their options. Here is how you can help:

Contact past customers

Start by running through your list of customers that are ready for a chance to renew or those that you have worked with in the past. As their business increases over the holiday season there is a chance they could use a little extra working capital to keep up with their necessary purchases. It is always easier to work with merchants that have already used your services in the past. They understand how it works and the benefits that it brings them.

With past or current customers, you don’t need to make a hard sell. You have a relationship built with the company, so contact them to check in. Ask if there are any additional services that they are in need of.

Think like your customer

If you want to provide your customer with the products and services that they need you need to think like them. What are their pain points at this moment in time? With the fourth quarter underway there are a few positions your client might relate to:

Identify the pain point of the merchant and let them know you understand. Then, show them that you have the answer.

Be honest

Honesty is always the best policy, even in sales. No one likes to be sold to. Think of how it feels when you walk into a store and it feels like the salespeople are ready to pounce. You do not want your customers to feel like that. Always do what is best for your customer. Show them that you care about their business. Then, actually do it.

Help them identify what issues they are having. Then show them the product or service that can meet their needs. If you are working with a merchant that needs additional funds to make it through a busy fourth quarter show them how you can help. Do not try to sell them on a product that is not going to meet their needs. The minute that someone knows that you are just trying to sell them on something without caring if it is a good fit for you, you will lose their trust. Always be working to help your customer and you will be rewarded.

Spend time doing follow up

2017 has been a busy year for people including those you work with. If you had conversations with merchants that didn’t result in them taking action now is a good time to follow up. If these merchants were in need of additional working capital at some point during the year there is a good chance they still are. Recontact them to follow up. They may be more comfortable with the idea of it now, or they may be in a situation where they truly need it to make it through the fourth quarter

Look for new ways to contact them

While email and phone calls still work, there are new ways to do business. Once the holidays come schedules get busier and people are spending more time out of the office. That means the best way to contact them is via their cell phone. Many different surveys have found that almost all text messages are viewed and usually within minutes of being received. What does that mean to you? You should be using text messages to reach your customers. Ask their permission when you first speak with them and then don’t be afraid to use it. People are more likely to respond to a quick text message if they are out of the office then they are an email or phone call.

The fourth quarter is here and merchants everywhere are in need of additional working capital to make it through the holiday rush. They are searching and stressing about how to make ends meet as they push through this busy time. You have the answer they are looking for. Look for opportunities to help them, be genuine, and you will have customers for life.

 

The year 2017 has flown by! We are well underway in the last quarter, which means the holiday season is quickly approaching. If you have been to any big box stores lately you noticed that the Christmas decorations are out along with the Halloween ones. For many businesses, this is the busiest time of the year. Consumers purchase presents, look for deals for themselves, and businesses look to spend the remainder of their 2017 budget prior to losing it at the end of the year.

The fourth quarter is the time of year when some businesses bring in the majority of their revenue. If this is your business or if you want it to increase your holiday sales, it’s time to gear up. This checklist can help you make the most of the holiday season:

Checklist Item #1 Get organized

Once the holiday rush has started it’s too late to get organized. At that point, you will just be working to keep up with the business. Now is the best time to get organized. Make sure you have proper systems in place to handle everything from sales and shipping to customer service and follow-up. The holidays are a busy time for most people and you want to give your customers the best experience possible in the midst of the craziness.

If you don’t have a small business management system in place here are a few good ones to look into:

If you sign up now you will have time to complete training and get comfortable with the system prior to the rush.

Checklist Item #2 Hire extra help

Extra business needs extra work for you and your staff. If you can afford to bring in some extra help your staff will thank you. There are many people that are interested in picking up extra work around the holiday season. Try looking for college students that are on break between semesters. They are only looking for work over their break and won’t mind when you can’t keep them once the busy season is finished.

Hiring extra help during the holiday season is also a great way to test out some new workers. If you think that you will be seeing growth in 2018 and will want extra staff you can hire people as temp employees throughout the holidays and if they are good workers you can offer them positions once the season has passed. If it turns out your temporary workers are not ones that you will want to keep long-term, no harm done.

Here are a few ideas on how to find holiday help for your business:

Checklist Item #3 Stock up on inventory

Look at your past years to see what type of business you were doing during the holidays. This will help you to estimate what type of increase in sales you can expect for this holiday season. Take into consideration any sustained growth that you have achieved throughout the year as well. You do not want to chance running out of products that customers want during the holiday season (or ever).

Purchase your raw materials and shipping materials in bulk to save money. Walk through your process from start to finish so you have everything you need on hand. This will reduce the amount of stress you and your employees experience and the wait time that your customers receive before receiving your product.

Checklist Item #4 Decide on discounts and a marketing campaign

Consumers always want a great price, but during the holiday season, they are expecting to find discounts and promotions. Get creative to come up with something that will set yourself apart from your competition. It could be a special sale or the introduction of a new product. Look for a deal that your target market will love and then develop a plan to promote it.

Build anticipation for a big sale by starting early. Once November hits start advertising the sale that you will hold or special price that you will offer. Find where your target market spends time and then spread the word. Hit social media with news of your upcoming promotion. Send out an email blast to your list. Don’t forget about your previous customers. Come up with a special promotion just for consumers that have purchased from you before.

Don’t forget to plan for 2018

It’s all too easy to get caught up in the rush of the holiday season. But, don’t forget that 2018 is right around the corner. Make sure you invest some of your time during the fourth quarter into preparing for the start of 2018. Set your business goals for the upcoming year. Break them into actionable items and develop a plan to help you and your staff reach them. A little strategic planning will go a long way in getting you off to a good start in 2018.

The holiday rush is almost upon us and that thought brings stress to many business owners. The extra revenue from increased sales is a bonus, but the extra work for a staff that is already topped out can be too much. The best thing to do is to hire a seasonal staff to come in and assist during the busy holiday season. However, hiring good workers is hard enough, so how do you hire a good staff that is only with you for a season?

Don’t hire just anyone

While you might feel desperate for help do not just hire the first person that comes through the door. Put together a description of the job you are trying to fill and the requirements you have for the staff that you hire, even if they are just temporary workers. It is far more stressful to bring in bad holiday help than it is to work short-handed through the holiday season. Create a process to interview your seasonal workers to assure they are going to be able to handle the job that you are hiring them to do.

Talk to your best customers first

Who better to hire than someone that already loves what your business does? Check with your current customers to see if any of them are interested in working for your company through the holiday season. Many people are happy to work at retail stores throughout the holidays to receive an additional discount on their purchases at the store. Put this strategy to work for your company by hiring people that already like to do business with you. Your customers are familiar with your products and services. They are already fans of your company, which makes them a great addition to your staff.

Look for college students studying your industry

The holidays are when many college students return home to take a break in between semesters. This makes them great candidates for seasonal help. If you find students that are studying in areas of your industry this idea works even better. You can help a college student gain experience in an area they would like to work in the future while filling a spot you need to be filled in your business in the present. You can build relationships with the students that are good workers to see if they would be interested in returning over the summer or for the next holiday season. If you build good relationships you may be able to keep the same students coming back year after year, thus eliminating your need to search for extra hands next year.

Start your search early

The early bird gets the worm and the early business person finds the best help. Do not wait until you are in the middle of the holiday rush to start looking for good workers. By the time you start looking the best candidates will already be working for other companies. Start your search early in November. This will give you time to pick and choose instead of jump to hire the first applicant that comes your way. Put the serious applicants through the same process you would for hiring a regular employee. Do not skip out on background checks because you think your holiday help will not be with you long-term.

If you start early you will have time to train your holiday help before just tossing them into the mix. Many retail stores bring on additional staff during the holiday season and then tell them to straighten the clothes. Some stores are swarming with holiday “help” that is doing nothing more than costing the company money. Start early, find good employees, and then train them to do the job you want them to do.

Put social media to work for you

Tell social media that you are looking for help during the upcoming holiday season. This is one of the fastest ways to spread the word about your openings quickly. People that see your post are more than happy to share it or tag their friends and families that are looking for employment. If you are having a lot of trouble filling the openings you can even run an ad on social media and target it directly to the description of the workers you are looking for.

When people hear “social media” the platforms like Facebook, Twitter, Pinterest, and Instagram come to mind. When it comes to your job postings you will want to include LinkedIn. This is a site that many people use specifically for trying to find a job.

Social media is also helpful to see what type of employee you are hiring. Do a little research and see what you can find out about them. If they are recommended on LinkedIn you have a good idea that this person is a safe bet to hire.

Turn your employees into recruiters

Your current employees know the company and what the job requires. So, why not turn your employees in job recruiters? Entice employees to refer friends and family to apply for the job. Reward good referrals (ones you hire and work through the holiday) with a bonus for doing so. Since your employee is invested in the company they will not want to connect their name with a bad referral. They are also able to paint an accurate description of the job for the person they refer so you can feel more confident that they will not be caught off guard by the work.

Extra sales during the holiday season should be a good thing. Do not allow the stress of the season to rob you of that. Hiring the right holiday help will be the difference between you enjoying a busy holiday season, or you dreading the season.

During the month of February, we celebrate Black History Month. It is a time for America to come together and remember the history and struggle of African Americans from the past and celebrate their achievements. Studying the stories of these successful African American entrepreneurs can help motivate us to continue growing our own businesses and show how a working capital loan can help you do just that.

Christina Carteaux Bannister (AKA: Madame Carteaux)

Back in the 1840’s, this woman was a highly successful hairdresser. In fact, she was so successful that she ran several salons around her local area. The funds that she earned from her salon enabled her to do many things. She was able to support her husband as he worked at being a painter. She also used her excess funds to support causes that she believed in. Madame Carteaux was active in the underground railroad and helped financially support the Fifty-fourth Massachusetts Regiment. Later in her life, she founded the Home for Aged and Colored Women, which is still in operation under a different name today.

Madame Carteaux ran several successful service businesses. Small business owners of service businesses can often run into a rough patch of not having enough capital to fund their business growth. If you are in this position right now, instead of continuing to struggle, apply for a working capital loan with Knight Capital Funding.

Frederick Douglass Patterson

Mr. Patterson took over the C.R. Patterson and Sons CarriageCompany of Greenfield, Ohio when his father passed away. When he saw his first horseless carriage he realized that he needed to make changes within his company. In 1915 he finished manufacturing a Patterson-Greenfield two-door coupe. His automobile was coming out at the same time that Henry Ford was producing the Model T. There were some that thought Patterson’s design was better, however, there was one problem. Patterson could not compete with the Detroit assembly line. It wasn’t long before he changed to making school buses and trucks.

Small business manufacturers can struggle to have the funding they need to keep up with updates to manufacturing. Knight Capital Funding can provide a working capital loan that allows you the freedom to spend the money where your business needs it. We don’t limit you on how your spend your funds, so you have the ability to use it in the way that will help you expand your business.

Berry Good Jr.

When he was just 29 years old, Berry Good Jr. established Motown Records from an $800 family loan. The record company became an amazing success and worked with individuals like Diana Ross, Stevie Wonder and Marvin Gaye. He focused on quality control, which paid off big in the end. By 1971 Motown Records had over 100 songs that reached the Top 10 and 31 #1 singles. When he sold the company in 1988 it was for an astounding $68 million.

Berry Good Jr. created a huge return on investment for himself from an $800 loan from his family. While it would be nice if all small business owners could receive loans from family or friends, it isn’t always realistic. The alternative loans by Knight Capital Funding allow small businesses who are turned down by other lenders a chance to obtain the working capital funds that they need.

Thomas Jennings

Mr. Jennings, a tailor, owned a successful clothing store located in New York City. He became the first African-American man to receive a patent in the United States. His patent was for, dry scouring, which was a dry-cleaning process he invented. He used his financial resources to fund antislavery causes.

If you have big dreams and ideas for your business but lack the funding to make it happen, consider obtaining a merchant cash advance loan.

Sarah E. Goode

Ms. Goode is credited with being the first African-American woman to receive a United States patent. She was a born into slavery but was freed after the Civil War. At that time she married a carpenter and they began running a success custom furniture company. The majority of their customers lived in homes with tight living quarters and Goode invented the foldaway bed to solve their dilemma.

This woman overcame much to earn her success. Being born into slavery gave her a start that would have stopped some, but she didn’t let her past stop her from building an incredible life and making her way into American history. If you are struggling with your business because you have a rough credit history, Knight Capital Funding could be the answer you are looking for. We base our loan approval from the business revenue and not from the owner’s personal credit score or past.

Working Capital Loans from Knight Capital Funding

If you are ready to grow your business, let us help. Knight Capital Funding can provide you a working capital loan through merchant cash advances. Our process is fast, simple, and a great alternative for those that cannot be approved with the strict requirements of traditional lenders. To apply you only need to have been in business for 6 months and have at least $10,000 in monthly revenue.

When you need working capital to grow your business, the faster you can get it the better it is. Traditional lenders can take months to approve a loan. At Knight Capital Funding we approve loans within 24 hours and give you access to the funds within 3 days. So, if you are ready to grow your business, complete our online application to get started today.

Hershey’s Chocolates are known around the world. The delicious creamy taste of the milk chocolate bars have grown the Hershey Company for over 120 years. While everyone knows about the candy Hershey’s produces, not everyone knows about the story and innovation behind the success. Instead of just buying chocolate for Valentine’s day, use February as the month to be inspired enough by the story of Milton Hershey to get the business loans for bad credit that you need to grow your business.

Don’t let Failure Hold You Back

It is easy to think of success when you think of the Hershey Company, Hershey Pennsylvania, and Hershey’s Chocolate. However, Milton Hershey experienced failure. He saw failure twice before he found success. In fact, before his 30th birthday he had went bankrupt twice. Can you imagine if he had given into the fear of failing again? Hershey started two caramel companies, and they both failed. He started another and started to find success.

It goes without saying that entrepreneurs are going to fail from time to time. The only difference between those that eventually succeed is their unwillingness to quit. Business owners with bad credit might think it’s impossible to get the funding they need to keep running another business. But, be inspired by a wildly successful entrepreneur that was bankrupt multiple times. Look for business loans for bad credit to get the funding you need.

A Little Innovation

Milton Hershey purchased a few machines that were used for making German chocolate. He used these machines to coat his caramels with chocolate. However, with a little innovation, he recreated his process and came up with the Hershey Bar. It was the first affordable chocolate for consumers to buy, and it became incredibly popular.

Hershey didn’t stop there. Over the years the company has expanded to include 80 brands. Many of the favorite candies that you love are part of the Hershey Company, and it all started from thinking outside of the box. Milton Hershey was innovated enough to find a way to create something that people didn’t have access to before. His strategy was to “Give them quality. That is the best kind of advertising.”

Find a Way to Give People What They Want

The world is changing and Hershey Company is using innovation to continue giving people what they want. Allergies and dietary restrictions are affecting more and more consumers. Hershey is meeting the demand that this new market has created. They haven’t been afraid to adjust ingredients or create new products for those that aren’t able to enjoy what they were already offering.

Small business owners can take a lesson from this. Once you have your core products or services established, don’t be afraid to see what changes you can make to keep up with the changing demands of consumers. This will help your business to stay on top of the market.

Don’t Be Afraid to Think Big

The Hershey name has become associated with much more than a candy bar in the 120+ years since its creation. Milton Hershey believed that if he treated his employees well they would be better employees. So, he created an entire community for them to live in. There were homes, schools. churches, and parks. This community is what we now know as Hershey, Pennsylvania.

The candy company created the opportunity for Mr. Hershey to open the boarding school for orphaned boys that he had dreamed of opening. His fortunes allowed him to fund many projects that benefited the community, including medical buildings, and educational and cultural projects. With no children to inherit his fortunes, Mr. Hershey used his funds to start or continue to support these many efforts.

Hershey has become a destination and not just a product. There is an amusement park, museum and hotel. They offer classes for consumers to come, learn, and enjoy.

Mr. Hershey did not allow his failure to keep him from succeeding in a big way, and neither should you. If you are struggling to make your business work because of past failure, then finding business loans for bad credit may be just what you need.

Getting Business Loans for Bad Credit

Knight Capital Funding can help you get past your past failure and find success. Milton Hershey was unwilling to throw in the towel, and you should be too. We offer funding that looks at the revenue and potential revenue of your company instead of your personal credit score and financial history. There is no collateral and we are able to work with many small business owners that have been turned down by traditional lenders.

If you have a rough history and bad credit, don’t give up. Talk to the consultants at Knight Capital Funding today to see if your business applies for our alternative small business loans, or complete the online form here.

Super Bowl LI (51) has arrived! If you are a football fan this is a day you have been waiting for. The New England Patriots and Atlanta Falcons have fought long and hard over the season to make it to this point. Will Tom Brady take revenge after the Deflate Gate scandal? Will the #1 offense be able to score on the #1 defense? The game is sure to be a great one and you can make today a game changer for your business by getting a small business loan online.

4 Lessons You Can Learn From the Super Bowl Teams

The two best teams in the country are getting ready to face off and entrepreneurs can learn a lot from them.

1. Choose Who You Listen To

Sportscasters and fans around the country constantly criticize NFL players. Every move they make is analyzed and critiqued. Many Americans that are sitting on their couches watching the game feel the need to post on social media what the player should have done instead of what they actually did. However, successful NFL players have learned who to listen to and who to ignore.

Entrepreneurs experience the same thing, just on a smaller scale. When you start a business everyone in your life wants to give you advice. People who have no experience in business or your industry decide that you need to hear their opinion. Entrepreneurs that listen to everyone will be discouraged and most likely fail eventually. You have to choose who has experience that can benefit you and who you need to tune out.

If your small business was turned down for a business loan by a traditional bank, don’t let it get you down. Tune out the naysayers and look for an alternate loan.

2. Avoid Distractions

NFL players face many distractions leading up to the big game. There are articles online criticizing them, comments from other players, and parties galore. After a long season, they are tired and could easily be distracted. However, it’s crucial that they stay focused and avoid distractions if they want to win.

Entrepreneurs need to stay focused to grow a successful business, because constantly jumping from one business idea to the next will lead to constant failure. Entrepreneurs need to have a plan, stay the course and avoid distractions.

3. Put the Right People in the Right Places

People know the Patriot’s coach, Bill Belichick, for his ability to put the right people in the right places, and not being afraid to get rid of players that no longer fit. As an entrepreneur, you need to learn to do the same thing. You cannot do it all on your own, but it’s important that you get the right help.

People have questioned Belichick’s decisions to remove good players from the team on more than one occasion. However, he is going to the Super Bowl for his 7th time as a head coach, proving he knows what he is doing. Entrepreneurs need to learn how to make the hard decisions and replace employees that are not cutting it for their business.

4. Be Adaptable

Every team in the NFL goes into each game with a carefully strategized game plan. Good teams know that they need to adapt their plan each week according to their opponent. The great teams know how to be adaptable all throughout the game. When a plan isn’t working, Super Bowl level teams realize that they have to adapt to the game in order to win.

Developing a business plan is crucial for the success of most small businesses. However, small business owners need to be willing to adapt if their plan isn’t working. For example, if a small business is turned down for a traditional loan they have a few options:

  1. Continue applying for a traditional loan at other banks.
  2. Continue improving your credit score and finances to qualify for a traditional loan in the future.
  3. Seek alternate options, like a small business loan online

Get the Financing You Need

Teams that make it to the Super Bowl are determined, not lucky. They are willing to put in the hard work to find success and they alter their plan when needed to make it happen. If you have been turned down for a traditional loan, it’s time to adapt your plan. Knight Capital Funding gives you the ability to obtain a small business loan online.

We offer loans with no personal credit checks and no collateral. We have few requirements and specialize in working with businesses that are turned down for traditional financing. Having access to working capital is crucial to the growth of your company. If you are ready to make a game changing play for your company, see if you qualify today.

Today is American Painters Day and it can also become the day that you change the future of your business with a working capital loan. Painters Day is celebrated on the birthday of American painter, Norman Rockwell. He was famous for depicting pictures of life in America. His pictures graced the cover of the Saturday Evening Post for almost 50 years. But, his painting Freedom of Want is what most people recognize him for. This is the painting we know as the “Normal Rockwell Thanksgiving”.

Helping Build the American Dream

Rockwell’s idealistic paintings, while criticized by some, captured many of things that made Americans proud. One of those freedoms we enjoy as Americans is the ability to create the life that we want through building a business. It’s one of the American dreams.  Painters include both those we think of as artists and those that work in the construction trades. Both styles of painting can be incredibly profitable, however, we don’t have the phrase “starving artist” for nothing. It can be difficult to succeed as a painter or small business owner, but Knight Capital Funding can help by providing a working capital loan. The process is easy, and the hardest part is motivating yourself to take action.

Changing the Dynamic

Those that built America did so through hard work and innovation. Small business owners of the past found, or created, the opportunities that they needed to succeed. The generations have been changing and we have reached a point where many people believe that everything should be handed to them. Small business owners end up shocked when they are denied for a business loan. They can choose to quit, or to push through and find a solution. If you want to succeed in your business, it’s time to stop complaining and take action. Business owners turned down by traditional lenders may be able to obtain an alternate loan that can provide the working capital loan they need to grow their business, like those offered by Knight Capital Funding.

Take Action

Sitting around and complaining that you don’t have the capital you need to help your business succeed will do nothing for you. You have to take action and find a way to make it happen. Take an example from the life of Normal Rockwell. He tried to enlist for the military during World War I, but he was refused because he was eight pounds underweight for his height. Did he complain and give up? Absolutely not. He spent the night eating and the next day weighed enough to enlist. Today can be your day to “make weight” with your business because Knight Capital Funding specializes in working with small businesses that traditional lenders refuse to work with.

Fast Working Capital Loan

When you are ready to stop complaining and start doing, you will need access to working capital. Many small business get trapped in the cycle of needing working capital to grow their business, but needing more businesses to get the capital they need. This is when a small business needs to obtain a loan to break the cycle. However, traditional lenders have strict requirements and many small businesses are not to qualify. That is where Knight Capital Funding can help. By providing merchant cash advance loans, we help give business owners fast access to the working capital they need, without the long list of requirements.

Getting a Working Capital Loan

The process is quick and easy. There are only a few requirements:

That’s it. Personal credit score and history do not play a role, and neither does having collateral to offer. If you meet these requirements you can apply today by calling 855-462-4249 or completing our online form.

Access Cash Quickly

Small business owners that are ready to take action need money now. Painters and other companies in the construction trades typically need money upfront, but don’t get paid until the work is complete.Waiting several months for loan approval, which is normal with traditional lenders, can mean lost business opportunities. Knight Capital Funding works to get you the money that you need, when you need it. The approval process is quick and once accepted,  your funds are transferred to your bank account on the same day.

Even when traditional lenders turn you down, you can quickly get access to the working capital you need to fund your business. Repayments are a percentage of your daily revenue. That means your payments work with you. You pay less on the days you earn less, which helps you to maintain the cash flow you need.

Get Inspired into Action

Whether you are an artistic painter like Norman Rockwell, or a residential or commercial painter in the construction trades, use American Painters Day as a day to get inspired and take action. Knight Capital Funding specializes in working with the construction trades and would like to help you grow your business with the working capital loan you need. Take a minute today to apply for your merchant cash advance loan with Knight Capital Funding, and work towards your American dream.

These days, finding the funding you need to run your business can be tough. Whether your credit score is too low, small business grants are harder each time, or you don’t have the time to file all the paperwork, there is always a reason. But if you stop making excuses, you are sure to find the funding options you have been looking for.

This is where small business grants can help you grow your business but beware the application is not a quick one.

So how do you apply for a small business grant?

Step 1: Search for Small Business Grants Online

A short Google search of small business grants will turn up thousands of results. All the grant values will range from $500 to several thousand dollars. If you are in a special circumstance such as being a woman business owner or you are a minority business owner, there are additional grants available to you.

Step 2: Understand the Requirements

Each grant is different. So, if you are applying for multiple grants make sure you are not using the same application. Some grants will want you to apply with an essay. Others will want copies of your financial statements. And don’t worry if your business does not meet the requirements for certain grants because there are plenty more that you do qualify for. After all, some grants are designed for startups. While, others are designed for specific kinds of businesses.

Step 3: Get Organized

Because every grant is different, make sure you outline the different requirements. You will also need to keep track of when all the grant applications are due. And don’t forget to proofread your materials before you hit that submit button.

Step 4: Keep a Backup

With as much time as you are spending on these applications, you want to make sure you have a backup copy. If you are doing everything electronically, make sure you save it to an external hard drive. As small business owners, we have very little time to lose and if we must recreate work the likelihood that it will get done is very low. Trust us, you will be less worried and feel less rushed if you know there is a Plan B available.

Step 5: Submit

Make sure when you are completing a small business grant application that you fill out every question. Ask someone else to look it over for you. Often when we spend so much time looking at one thing we can think we are seeing it completed when really, you skipped a key question. It is okay to ask a trusted friend or employee for help.

When you are ready, it is time to hit the submit button. Don’t wait until the last minute. If you are mailing an application, you don’t want to chance that it can get lost or delayed due to weather. And if you are submitting online, you don’t want their website to be down. You will feel better if you give yourself more time.

Small business grants are a great way to get your business the funding you need but it isn’t the only option. Because small business grants are so time consuming, many business owners just forget about them or write them off. That is why at Knight Capital Funding, we have simplified the funding process because we know as small business owners ourselves we don’t have a lot of extra time.

The Application Process

If you don’t have the time to apply for a small business grant, have no fear. A merchant cash advance is a great option that is far less time consuming. We have made it so because we understand the challenges of applying for other funding options. Not only will you get the cash you need in just three days but the approval process is just as simple. We know as business owners; you need the funding when you need it not in a few weeks.

What are you waiting for? Apply with us today and start growing your business tomorrow.

 

On this day, as we celebrate the great Martin Luther King Jr. we often wonder what he would say about the state of the world. What would he think about our economy? What would he have to say about our political system? Or even, what would he think about the state of the small business community?

Although we can’t ask him directly what he thinks about our world today, we think he would be extremely pleased with the progress made in the small business community. And as small business owners ourselves, we have a lot to be thankful for thanks to Martin Luther King Jr. His passion and dreams allowed anyone to dream big. He believed anyone could make a difference in the world if they gave it everything they had.

Three Ways MLK Changed the Small Business World

He Taught Us to Be a Part of the Community

Small businesses are the bread and butter keeping many communities together. Not only do they provide jobs to residents and pay taxes but they put an emphasis on being a part of the community. Whether it is sponsoring a local sports team or 5K run. Small businesses donate their time and money in small ways that can make a big impact.

MLK taught everyone to come together and march as one. Small businesses continue that movement today as they continue to battle the big-name stores. We think that MLK would be very proud of the fact that we have a Small Business Day in November and the many #BuyLocal campaigns on social media.

Believe in the Dream but Be Aware of Reality

Never underestimate what you can achieve but know the steps to get there. There will always be people around to help small business owners who are willing to ask for it. Whether you need financial guidance or are struggling with expanding your business. You are not alone in the small business world and there are many business owners who have already gone through exactly what you are going through now. Let their expertise and past mistakes help you avoid making the same ones. And even if you do make a mistake, know that it is not the end of the world. In fact, you will probably learn more from that one mistake than if you had done it right.

Never Ask Someone Else to Do What You are Not Willing to Do Yourself

MLK never expected anyone to march into a situation that he was unwilling to go himself. He never asked anyone to give up their livelihood like he did. He was willing to make the ultimate sacrifice for the cause he believed in and in the end he did. MLK believed in people and the goodness they had inside of them. He believed in the future and so should you.

As a small business owner, you cannot expect your staff to do a job that you are unwilling to do. Instead of always sitting in your office, make sure you go out and show your staff you care. Work alongside them, just like he did.

 

Three Things MLK would Say to the Small Business Owner in Need of Bad Credit Business Loans

Believe in Yourself

Martin Luther King Jr. believed that anyone could make a difference. It didn’t matter your background, your race, or your religion. You were the master of your destiny.

Remember, you are the one who started your own business, you did it all on your own. Use that same drive and passion to find another option to get the funding you need. If you need bad credit business loans, look for providers who offer these options like Knight Capital Funding. We believe in your business model and understand mistakes happen. Just like MLK, we believe what you do after your mistakes is the greatest opportunity for growth.

Find a Mentor

A mentor is someone who can help guide you through the application process. But they can also help you learn how to improve your credit score. Never forget your credit score is a constantly changing figure. It does not define who you are as a person or a business owner. You control your own destiny and a mentor can help you realize that.

Understand “Why” and “How”

Applying for bad credit business loans is nothing to be embarrassed about. But if you are, ask yourself how your credit score got to where it is. Was it a business deal gone bad? Did you have a business partner that took advantage of you? You should also understand how these products are designed to help you. Why not start exploring the advantages products like a cash advance can bring to your company? Remember, these are products that were designed for people with a dream.

Never forget the powerful words of Martin Luther King Jr. He inspired a nation in a time when someone of color had very little hope. He believed in the kindness of people and knew that people had good within them. When it comes to the small business world, MLK changed the rules for those who could run a business. He never believed businesses had to be segregated to be successful. He knew that strong business owners, regardless of their race, gender or religious beliefs could prosperous and change the world.

Today is your day to start believing in yourself. One day you had a dream to be running your own business and now you are doing it. But it is okay to need a little help. Why not let us be the ones to help you?

 

Do you consider yourself a skeptic? Then heads up because we have a day for you to mark on your calendars. And this year it falls on Friday the 13th, are you sensing the irony like we are?

If you are a business owner and are always reaching for the stars, Skeptic’s Day is designed for you to think a little differently. After all, we can’t all be dreamers. For every dreamer in a business partnership, you need a skeptic. They are the people who help keep us grounded. We are talking about those who are focused on the details, analytics, research, and facts. They may frustrate the dreamers because they won’t let you dive head first into anything but they also help make us successful.

Skeptic’s Day is a day to be wary of everything. Give yourself a day to tread softly. Put yourself in the shoes of your partner. Be cautious of things especially when it comes to what you read online. And make sure you research things before you share them on your brand’s social media page. You don’t want to have to pull it back.

Who knows, this year’s Skeptic’s Day may be the year for your business’ big break. Or it is the time for you to make an announcement that could change your business forever.

Historic Business Events on January 13th (Skeptic’s Day)

Wham-O Company Produced the 1st Frisbee

The toy that nearly every child grew up throwing around in their backyard was launched on January 13th in 1957. Think about how much that toy changed childhood play for millions of children throughout the last 60 years.

The launch also put the Wham-O Company on the map forever. The company went on to make classic childhood play toys such as the hula-hoop, the slip n’ slide, and Silly String. Talk about having enough working capital to continue product development for over 50 years.

NASA Selected its 1st American Women Astronauts

Just six years after Title IX was enacted, the law which dictated that girls must have equal opportunities in sports or be allowed to try out for the boys’ team in high school, NASA hired their first female astronauts. Sally Ride, would officially become the first female American astronaut in space in 1983 after five years of training. Imagine how the world changed forever when they saw that women could do anything a man could do, including go into space?

Women entrepreneurs have continued to change the way we live and work. Women in the workplace are smashing the glass ceiling and NASA helped to continue the movement back in 1978. This is the 39th Anniversary of that announcement. And for all the skeptics out there, women are continuing to break barriers.

Michael Jordan Announces His Retirement Part 1

Back in 1999, Michael Jordan made it public that he would be retiring; however, as the story goes, he returned to basketball again in 2001. Generating more working capital for his sponsors including Nike and the “Jordan” brand.

Microsoft’s Founder Bill Gates Promotes Steve Ballmer to CEO

Everyone knows the company that revolutionized how we work. Whether you are using Word, Excel, or any of the other Microsoft Office Suite products, Bill Gates has had an impact on your life. Remember Clippy, the Microsoft Office “Assistant”?

In 1999, Bill Gates made the decision to promote Steve Ballmer to the CEO position and remain a Technology Advisor of the company he founded in 1975. He knew this was the right decision to continue driving that innovation.

Record Powerball Lottery is Officially Won

After several rounds without a winner, the largest Powerball Lottery was won by three individuals on January 13th, 2016. The drawing happened late in the evening with millions watching to see if they would get their share of $1.6 billion.

With so many events that have happened throughout history on January 13th, what are we to expect on Friday the 13th and Skeptic’s Day this year? Who knows, your business might even catch its big break. And if you are waiting for your big break to fall into your lap, it might be the best day to take a leap of faith. After all, you could be like Michael Jordan and just return to the game years later if all does not go according to plan.

And if the only thing that is holding you back from launching the next big thing like the Wham-O Company did with the Frisbee, is your working capital, we can help with that too. At Knight Capital Funding, we specialize in getting you the funding you need so that you can be the first to do something. Even though you can’t be the first female American astronaut anymore, you still can be the first at a lot of things. It is all about what you choose to have a passion for.

So whatever your passion is, let us help you get the cash or working capital you need. You won’t be disappointed. Give us a call today and make this the best Skeptic’s Day yet?

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