Category Archives: Finance

Structured Finance and Private Placement

By TWL | Published: March 23, 2012

Structured finance and private placement – we see these words floating around like butterflies in the new spring air, but what exactly do they mean, and how do they connect to business loans? Structured Finance Structured finance is a broad term used to describe a sector of finance that was created to help transfer risk [...]

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Borrowing Money ?

By TWL | Published: March 20, 2012

Shopping for a business loan can seem like a daunting task, and business loans come with different features and prices. But in a lot of ways, there are no such things as loans. You are, in fact, buying money. Loans, overdrafts and buying on credit are all ways of borrowing. Different methods of borrowing suit [...]

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How Do I Calculate Finance Charges?

By TWL | Published: March 19, 2012

In United States law, a finance charge is any fee representing the cost of credit, or the cost of borrowing. Creditors and lenders use different methods to calculate finance charges. The most common formula is based on the average daily balance, in which daily outstanding balances are added together and then divided by the number [...]

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The Truth About Business Loans

By TWL | Published: March 17, 2012

Overview Many businesses would benefit from a suite of specific commercial non-bank finance products, each of which performs a different and essential financing function yet work together harmoniously. Frequently, businesses end up with an unplanned mess of different financing products for different purposes, but the different products work against each other. This is wasteful of [...]

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Business Financing: Loans or Equity Investment?

By TWL | Published: March 15, 2012

One of the hardest decisions facing business owners is how to obtain financing for their business. Most business owners really have two options: take out a business loan or sell a piece of their business for start-up cash. Choosing between Loans and Equity While there are no hard and fast rules, if you are in [...]

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