This 4th of July: Why Small Businesses Are Crucial to the USA?

There are four significant ways small businesses contribute to this great country of ours:

#1 Small business is the number one job creation engine

Small businesses represent 99.7 percent of all employer firms, employ half of all private sector employees and pay 45 percent of the total U.S. private payroll.  Small business has generated 60 to 80 percent of net new jobs annually over the last decade (U.S. Small Business Administration, Office of Advocacy).

#2 Small business is a loud voice in public affairs and politics

Small-business owners vote! Disproportionately large percentages of small-business owners are registered to vote (95%), usually do vote (84%) and run for elective office (3%) (NFIB National Small Business Poll: Political Participation).

#3 Small Business is a steady part of the American work force

46%  of small employers intend to never fully retire. Another 23% will retire at 65 or older, with half that number retiring at 70 or older. 60% percent of those intending full retirement at some point expect to phase-out, rather than to retire abruptly (NFIB National Small Business Poll: Retirement).

#4 Small businesses contribute to local communities

91% of small employers (small-business owners) contributed to their community in 2014 through volunteering, in-kind contributions, and/or direct cash donations. About 41% contributed in all three ways. The estimated average value of contributions is $6,600 per small employer, contributing and not, for a total of roughly $40 billion (NFIB National Small Business Poll: Contributions to Community).

We also help America

At Karish Kapital, we are proud to support American small businesses. We provide alternative merchant cash advance short term capital solutions. These alternatives are ultimately based on the strength, resiliency and resolve of the entrepreneurs who are committed to managing their businesses for success. For more information and to see how we can help your business click HERE or call 347-871-CASH (2274).

What is short term loan or short term business loans working capital?

Hey there, 

If you are like I was a few years ago (handsome and young...), you probably try to figure out a few things about short term loans:

1. What does short term loan really mean?!
2. Can a short term loan be useful?
3. What can I use it for?

What is a short term business loans working capital?

The sweet, short and simple answer is any type of loan that needs to be paid back in less than a year. 

Can Karish Kapital provide something similar to it for your business?

At Karish Kapital we have been working with our merchants to help them grow their businesses. Cash advance for businesses can be a very useful tool for merchants or vendors that have high volume. For example, veterinarian and medical practices, restaurants, car shops, or basically, any business that generates cash flow on a daily basis.

Short term loan comes in different flavors, not only plain vanilla loan

In today's business world you can find short term loans in all kind of flavors, or names. The one we focus on at Karish Kapital LLC is cash advance. Cash advance is not a loan, but a modification of factoring. You can imagine a blanket factoring on your business future receivables. You might ask yourself, "what is factoring!?", so factoring is a method where you sell today, your future expected income. If I'm getting too technical, let me try to give a simple example. Let's say you provided veterinarian services for a kennel in your area and you bill them once a month. In return they pay you net-30, or after 30 days you get paid. The only problem is you need to pay salaries at the end of the week or you just got a flyer for a special deal to buy a topical flea and tick defense in large quantity for a ridiculous price. So basically, you cannot wait another month to get your money, you need now!!!!

No Worries..... Karish Kapital will come to the rescue with a quick cash advance. You submit 4-5 documents and can be funded the following day with large lump sum to be paid in very small tiny bits payments that our underwriters make sure your business can handle.

Very simple and easy

So is this the right tool for you? Very much possible. We all get stuck once in a while with salaries that need to be paid, or taxes that are overdue, or have a great deal falling on our lap that can increase our profit and sold quickly and many other situations, where a quick cash injection can be useful and helpful.

Click here to go toKarish Kapital, and apply now. It doesn't cost you anything

10 Steps to Manage Your Cash flow

10 Steps to Manage Your Cash flow

1. Set cash flow targets.

One way of controlling cash flow is by preparing and maintaining a cash flow forecast. Karish Kapital advises that this forecast should be updated weekly, to provide an accurate outlook for the next six to twelve months. Setting targets ensures you will pay attention to cash flow management. It is great to hit and beat those cash flow targets!

2. Agree clear payment terms.

Establishing clear payment terms is critical.  If you don't start off knowing what your payment terms are, it is difficult to know when you are going to get paid. If you don't know when a payment is overdue, how are you going to manage your cash flow?

3. Invoice quickly.

Some factors that influence cash flow are in a business's own hands, including when to invoice. Get into the habit of invoicing clients as soon as the work is completed. Issuing your invoice by email will mean it will get there immediately and you will have a record of it being sent. It will also be easier to follow-up if the payment does not come.

4. Make payments easy for customers.

Making payments should be made as easy as possible for your customer. Try to avoid being paid by cheque as it will result in delays before the money arrives in your bank account. Online payments are a much better option!

5. Offer clients fixed rate payment packages.

One way SMEs can help ensure good cash flow is by offering periodic payment packages. An hourly rate, which many businesses traditionally use, offers no way of predicting income from month to month. Consider a retainer package for a fixed number of hours each month, which are billed in advance. This way, you get paid up front rather than in arrears, and you can plan spending and business growth more easily. The peace of mind this gives is priceless.

6. Establishing payment arrangement.

Every business experiences a gap between invoicing and payment, but these can be minimized. Establish direct debit for collecting receipts. You will then be able to scale your business without increasing the costs required to collect debts. The result will be establishing a stable inflow of cash from which all payments can be made from. It's a no-brainer to go onto direct debit.

7. Use technology to manage cash flow.

Technology can make it much easier to manage cash flow.  Cloud-based accounting is the biggest time-saver, allowing owner/operators to work more effectively, free up time, and keep better track of cash flow. With these systems in place you can now view your accounts on the move via a laptop, tablet or mobile phone and keep up to date with your financial situation. The convenience of having reliable accounting cloud-based software and advice available 24/7 is a real key.

8. Do not focus on profit, focus on cash flow.

If your cash flow is in order, your profit will be in order. A lot of businesses do not make it past six months. They might have been a profitable business eventually, but they need to have good cash flow to survive. Also, it is important to look at your payment terms. Don't be blinded by profit margins.

9. You can leverage your cash flow.

Karish Kapital provides a viable alternative to help owner/operators and entrepreneurs leverage their well-managed cash flows via - the merchant cash advance. A simple, proven concept, merchant cash advances are based on a percentage of future receivables which provide immediate working cash for businesses.

We offer a revolutionary new working capital program designed to help you manage your cash needs by providing you with a faster alternative to traditional bank lending. Find out more at http://bit.ly/1E4pj4n. 

In early May, we conducted a survey of our customers to do get a bit of feedback on how we are doing. 

To our delight, the responses were more than favorable.

Some Details:

Responses came from a representative sample of customers who have active advances with us or had recently completed advances.

80% were willing to supply a quote for our marketing efforts.

100% indicated that their account manager handled their advance extremely well or very well.

87% indicated that Karish Kapital worked extremely closely or very closely with their financial needs.

100% indicated that they would be extremely likely to moderately likely to engage Karish Kapital again in the near future.

82% stated that they were likely to recommend us to their friends or colleagues.

Best comment? " I'm thankful for all the help that was provided to me when needed. I am very pleased." 

An alternative funding for Veterinary Hospitals

A Merchant Cash Advance from Karish Kapital

Veterinary Hospitals as with other businesses face dynamic challenges and opportunities every day. They deserve better than the “one size fits all” financing offered by the banks and other lenders.

There is a viable alternative though - the merchant cash advance. A simple, proven concept, merchant cash advances are based on a percentage of future receivables which provide immediate working cash for businesses.

We offer a revolutionary new working capital program designed to help you manage your cash needs by providing you with a faster alternative to traditional bank lending.

Since the merchant advance is not an actual business loan, there is no collateral attached to it, and thus it is an unsecured advance and is not tied to any personal or business assets.  A rational simple funding process that has made it easier for a veterinary hospital to obtain working capital for stable growth - from buying out a partner, unforeseen maintenance, expanding examination room space, purchasing inventory and equipment to remodeling and advertising or simply boosting cash flow. Whether your expenses are planned or unexpected, a merchant cash advance can be a real solution.

Karish Kapital - Simple & Flexible

The payback terms for our business cash advances are easy to understand and repayments are simple. A small payment is paid to us on a daily basis. Exact payment terms are disclosed from the beginning. There are no surprises for you.

Other veterinary hospitals have found that financing from Karish Kapital is the right solution at the right time. To find out more contact us at http://bit.ly/1E4pj4n 

We Can Help You Seize the Day

“Be ready for when your time comes, you will have that window of opportunity, so seize the moment and capitalize on it.”

-Anthony Anderson

Many great people have spoken wise words about seizing opportunity when it comes.  Has this happened to you? Your competitor may be selling off inventory quickly, an option on a facility/store might have opened up at a great location, or an excellent and useful piece of equipment might have come up for auction. Any one of these example opportunities could rapidly grow your business.

The challenge may be to quickly gather the funds required to buy that tractor trailer or piece of medical equipment when it becomes unexpectedly available.  That is where Karish Kapital can help. We are in the business of providing FAST FUNDING to existing U.S. businesses.

We have the financial expertise to help you decide whether to go ahead with a one-time business related investment opportunity and can provide you with the money you might need.

Our clients have established businesses in a broad variety of sectors and professions that generate daily customer transactions that total from $15,000 and up per month in gross revenue: medical practices, dental offices, veterinary hospitals, kennels, pet groomers, automotive repair, independent truckers, towing companies, and restaurants.

Click here to see how we can help you “seize the day”.