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	<title>Charles Green &#38; Company</title>
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	<link>http://www.charlesgreenco.com</link>
	<description>Up-to-the minute small business financing advice you need to know</description>
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		<title>Avoid risks using your credit cards for your business</title>
		<link>http://www.charlesgreenco.com/2011/07/13/avoid-risks-using-your-credit-cards-for-your-business/</link>
		<comments>http://www.charlesgreenco.com/2011/07/13/avoid-risks-using-your-credit-cards-for-your-business/#comments</comments>
		<pubDate>Wed, 13 Jul 2011 11:00:51 +0000</pubDate>
		<dc:creator>Charles Green</dc:creator>
				<category><![CDATA[Finding Funding]]></category>
		<category><![CDATA[business financing]]></category>
		<category><![CDATA[business loan]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[small business]]></category>

		<guid isPermaLink="false">http://www.charlesgreenco.com/?p=879</guid>
		<description><![CDATA[In the US many people use personal credit cards to finance their business transactions. Business people are eager to use credit card accounts because their higher credit limits enable the business to access more cash toward business objectives. An owner can avoid investing their own money while setting up a business by opting to use a credit card to tap into extra funds. But they should be cautious and exercise discipline to pay back the full monthly charge amounts otherwise face an insurmountable level of debt for the young enterprise. Here are a few other risks involved with using credit cards that you should be aware of: Accumulated debt: When using credit cards for business transaction, the owner risks spending &#8230; <a href="http://www.charlesgreenco.com/2011/07/13/avoid-risks-using-your-credit-cards-for-your-business/"><span class="readmore">Read More <span class="meta-nav"><img src="/wp-content/themes/charlesgreenco/images/icon_more.png" alt="More" /></span></span></a>]]></description>
		<wfw:commentRss>http://www.charlesgreenco.com/2011/07/13/avoid-risks-using-your-credit-cards-for-your-business/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Did You Know Your Lender Is Also a Borrower?</title>
		<link>http://www.charlesgreenco.com/2011/06/08/did-you-know-your-lender-is-also-a-borrower/</link>
		<comments>http://www.charlesgreenco.com/2011/06/08/did-you-know-your-lender-is-also-a-borrower/#comments</comments>
		<pubDate>Wed, 08 Jun 2011 11:00:45 +0000</pubDate>
		<dc:creator>Charles Green</dc:creator>
				<category><![CDATA[Finding Funding]]></category>
		<category><![CDATA[business financing]]></category>
		<category><![CDATA[business loan]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[SBA loan]]></category>
		<category><![CDATA[small business]]></category>

		<guid isPermaLink="false">http://www.charlesgreenco.com/?p=845</guid>
		<description><![CDATA[Businesses seeking borrowed funds need to be cognizant of the cost of leveraged money. Understanding how lenders determine and assess borrowing costs, or interest, gives the owner a tool with which to further evaluate the feasibility of borrowing money.  A majority of the lender’s funds utilized to finance credit investments are obtained from external sources. These sources may include deposit accounts, commercial paper, bonds, or even loans to the lender from other banks, private investors or a government agency. Each source of funds carries a cost to the lender that becomes the initial determinant or basis of the lender’s cost of capital.Lenders must ensure that they recover their own borrowing costs, and charge a sufficient spread over their own costs to &#8230; <a href="http://www.charlesgreenco.com/2011/06/08/did-you-know-your-lender-is-also-a-borrower/"><span class="readmore">Read More <span class="meta-nav"><img src="/wp-content/themes/charlesgreenco/images/icon_more.png" alt="More" /></span></span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Be Interested in the Interest Cost</title>
		<link>http://www.charlesgreenco.com/2011/06/01/be-interested-in-the-interest-cost/</link>
		<comments>http://www.charlesgreenco.com/2011/06/01/be-interested-in-the-interest-cost/#comments</comments>
		<pubDate>Wed, 01 Jun 2011 11:00:57 +0000</pubDate>
		<dc:creator>Charles Green</dc:creator>
				<category><![CDATA[Finding Funding]]></category>
		<category><![CDATA[business financing]]></category>
		<category><![CDATA[business loan]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[SBA loan]]></category>
		<category><![CDATA[small business]]></category>

		<guid isPermaLink="false">http://www.charlesgreenco.com/?p=841</guid>
		<description><![CDATA[Businesses seeking debt financing need to be cognizant of the cost of leveraging money. Understanding how lenders determine and assess borrowing costs, or interest, gives the owner a tool with which to further evaluate the feasibility of borrowing money.  Knowing how interest rates are determined is also useful for developing strategies to lower interest costs where possible and for knowing when the best rate has been negotiated for your situation. Interest is the cost imposed on the borrower for the use of the lender&#8217;s money. It is typically quoted as a percentage of the loan proceeds on an annualized basis. The most elementary formula for calculating interest is: I = PRT  (Interest = Principal x Rate x Term). In actual &#8230; <a href="http://www.charlesgreenco.com/2011/06/01/be-interested-in-the-interest-cost/"><span class="readmore">Read More <span class="meta-nav"><img src="/wp-content/themes/charlesgreenco/images/icon_more.png" alt="More" /></span></span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Let&#8217;s Face It, It&#8217;s A Different World</title>
		<link>http://www.charlesgreenco.com/2011/05/25/lets-face-it-its-a-different-world/</link>
		<comments>http://www.charlesgreenco.com/2011/05/25/lets-face-it-its-a-different-world/#comments</comments>
		<pubDate>Wed, 25 May 2011 11:00:49 +0000</pubDate>
		<dc:creator>Charles Green</dc:creator>
				<category><![CDATA[Finding Funding]]></category>
		<category><![CDATA[business financing]]></category>
		<category><![CDATA[business loan]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[SBA loan]]></category>
		<category><![CDATA[small business]]></category>

		<guid isPermaLink="false">http://www.charlesgreenco.com/?p=839</guid>
		<description><![CDATA[In the today’s globalized world, ease of movement has never been greater, and it is sometimes difficult for persons of different origins to communicate effectively. America has always had a multicultural social fabric, with the historic swelling ranks of immigrants growing our population since the very founding of the 13 colonies.  Today our cultural mix continues to be a blur of a faces with many different features. Distinguishing Burmese from Vietnamese, Austrian from German, or Nigerian from Ghanaian can be challenging for the average American without practiced interaction. But in business we share the common goal to succeed with a profit. Our economy is open for business across all ethnicities, cultural, and religious, if not be common sense than by &#8230; <a href="http://www.charlesgreenco.com/2011/05/25/lets-face-it-its-a-different-world/"><span class="readmore">Read More <span class="meta-nav"><img src="/wp-content/themes/charlesgreenco/images/icon_more.png" alt="More" /></span></span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>It Comes Down To Your Character</title>
		<link>http://www.charlesgreenco.com/2011/05/18/it-comes-down-to-your-character/</link>
		<comments>http://www.charlesgreenco.com/2011/05/18/it-comes-down-to-your-character/#comments</comments>
		<pubDate>Wed, 18 May 2011 11:00:32 +0000</pubDate>
		<dc:creator>Charles Green</dc:creator>
				<category><![CDATA[Finding Funding]]></category>
		<category><![CDATA[business financing]]></category>
		<category><![CDATA[business loan]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[SBA loan]]></category>
		<category><![CDATA[small business]]></category>

		<guid isPermaLink="false">http://www.charlesgreenco.com/?p=836</guid>
		<description><![CDATA[Lenders have many criteria to consider when deciding whether to provide financing for your business operations, and all start with the traditional examination of capacity, capital, credit, collateral, and character. But, make no mistake. Regardless of the other relative strengths you may possess, it all comes down to character. Lenders have to be assured that prospective borrowers have the ability to perform well enough to generate profits to repay their financing. They will ensure that the borrower has a vested interest in the operation with their own money, and that there is always a secondary source of repayment from which they can ultimately get out of a deal. But no matter how well these factors add up, if the lender &#8230; <a href="http://www.charlesgreenco.com/2011/05/18/it-comes-down-to-your-character/"><span class="readmore">Read More <span class="meta-nav"><img src="/wp-content/themes/charlesgreenco/images/icon_more.png" alt="More" /></span></span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Make Good Decisions For Yourself</title>
		<link>http://www.charlesgreenco.com/2011/05/11/make-good-decisions-for-yourself/</link>
		<comments>http://www.charlesgreenco.com/2011/05/11/make-good-decisions-for-yourself/#comments</comments>
		<pubDate>Wed, 11 May 2011 11:00:36 +0000</pubDate>
		<dc:creator>Charles Green</dc:creator>
				<category><![CDATA[Finding Funding]]></category>
		<category><![CDATA[business financing]]></category>
		<category><![CDATA[business loan]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[SBA loan]]></category>
		<category><![CDATA[small business]]></category>

		<guid isPermaLink="false">http://www.charlesgreenco.com/?p=833</guid>
		<description><![CDATA[Recognizing your needs, the process, the risks, and the rewards is only half the effort to getting debt financing for your business. At this point, you may be mentally prepared, but now you have to go to work to provide the application. The ‘physical’ side of the application is to document everything to establish 1) who you are, 2) what you are, 3) what you want, and 3) why they should give it to you.   Judgment day may be anti-climactic, since a large number of decisions are going to be made in the process; many by the business, many by the lender, and many through compromise. Diligence and purpose must be the focus of your efforts for every decision &#8230; <a href="http://www.charlesgreenco.com/2011/05/11/make-good-decisions-for-yourself/"><span class="readmore">Read More <span class="meta-nav"><img src="/wp-content/themes/charlesgreenco/images/icon_more.png" alt="More" /></span></span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t Be Stupid</title>
		<link>http://www.charlesgreenco.com/2011/05/04/dont-be-stupid/</link>
		<comments>http://www.charlesgreenco.com/2011/05/04/dont-be-stupid/#comments</comments>
		<pubDate>Wed, 04 May 2011 11:00:35 +0000</pubDate>
		<dc:creator>Charles Green</dc:creator>
				<category><![CDATA[Finding Funding]]></category>
		<category><![CDATA[business financing]]></category>
		<category><![CDATA[business loan]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[SBA loan]]></category>
		<category><![CDATA[small business]]></category>

		<guid isPermaLink="false">http://www.charlesgreenco.com/?p=830</guid>
		<description><![CDATA[Many lenders have had the unfortunate experience of negotiating loans with a borrower who was using false, exaggerated, or misleading information to obtain credit. Whether or not the ploy succeeded, the effects are often felt by legitimate borrowers, whose applications are scrutinized with even more suspicion due to the experience. While under normal circumstances there is a natural inclination toward trusting people, be prepared to confirm everything. Unless actual loan losses have been incurred, many lenders may be hesitant to prosecute loan applicants found to have used false information to obtain their loan. But when they do, they may get assistance from the federal government, who insures depositors and regulates banks. The FDIC (Federal Deposit Insurance Corporation) is not hesitant &#8230; <a href="http://www.charlesgreenco.com/2011/05/04/dont-be-stupid/"><span class="readmore">Read More <span class="meta-nav"><img src="/wp-content/themes/charlesgreenco/images/icon_more.png" alt="More" /></span></span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Set Your Sights on Reality</title>
		<link>http://www.charlesgreenco.com/2011/05/02/set-your-sites-on-reality/</link>
		<comments>http://www.charlesgreenco.com/2011/05/02/set-your-sites-on-reality/#comments</comments>
		<pubDate>Mon, 02 May 2011 11:00:57 +0000</pubDate>
		<dc:creator>Charles Green</dc:creator>
				<category><![CDATA[Finding Funding]]></category>
		<category><![CDATA[business banking]]></category>
		<category><![CDATA[business financing]]></category>
		<category><![CDATA[business loan]]></category>
		<category><![CDATA[SBA loan]]></category>
		<category><![CDATA[small business]]></category>

		<guid isPermaLink="false">http://www.charlesgreenco.com/?p=870</guid>
		<description><![CDATA[Starting a new business is one of the riskiest, yet exciting decisions you will make in your life. While over sixty percent of the new jobs in the United States are created by small businesses annually, a significant number of them are not sustained due to failure. There are relatively low barriers to entry for starting up many businesses: adopt a name, maybe incorporate, get a business license and away you go. Dreams and schemes are cheap, but before you get too far down the road, you need to set your sights on reality. While it can be simple to &#8220;start&#8221; a business, succeeding in business is another story. There are significant personal factors you should consider ahead of the &#8230; <a href="http://www.charlesgreenco.com/2011/05/02/set-your-sites-on-reality/"><span class="readmore">Read More <span class="meta-nav"><img src="/wp-content/themes/charlesgreenco/images/icon_more.png" alt="More" /></span></span></a>]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Protect Thyself</title>
		<link>http://www.charlesgreenco.com/2011/04/27/protect-thyself/</link>
		<comments>http://www.charlesgreenco.com/2011/04/27/protect-thyself/#comments</comments>
		<pubDate>Wed, 27 Apr 2011 11:00:51 +0000</pubDate>
		<dc:creator>Charles Green</dc:creator>
				<category><![CDATA[Finding Funding]]></category>
		<category><![CDATA[business financing]]></category>
		<category><![CDATA[business loan]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[SBA loan]]></category>
		<category><![CDATA[small business]]></category>

		<guid isPermaLink="false">http://www.charlesgreenco.com/?p=826</guid>
		<description><![CDATA[Don’t worry about it, it’s no big deal. Those are famous last words in any business negotiations, particularly coming from a lender to a borrower (or vice versa, to be fair). A savvy borrower who understands the terms that the lender wants in a loan agreement, must be ready to make some hard choices. Borrowers must try to imagine the worst case scenario in their business ahead and reflect on how the lender’s terms will impact the business. Sometimes there can be ways to give the lender adequate protection without the full- scale surrender that is often described in the loan agreement. Business owners must consider these terms and seek to forge an agreement that provides sound options to ensure &#8230; <a href="http://www.charlesgreenco.com/2011/04/27/protect-thyself/"><span class="readmore">Read More <span class="meta-nav"><img src="/wp-content/themes/charlesgreenco/images/icon_more.png" alt="More" /></span></span></a>]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Must So Many of Us Have Such a Low Price?</title>
		<link>http://www.charlesgreenco.com/2011/04/25/must-so-many-of-us-have-such-a-low-price/</link>
		<comments>http://www.charlesgreenco.com/2011/04/25/must-so-many-of-us-have-such-a-low-price/#comments</comments>
		<pubDate>Mon, 25 Apr 2011 11:00:16 +0000</pubDate>
		<dc:creator>Charles Green</dc:creator>
				<category><![CDATA[Ideas, Opinions & News]]></category>
		<category><![CDATA[business banking]]></category>
		<category><![CDATA[business financing]]></category>
		<category><![CDATA[business regulation]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[small business]]></category>

		<guid isPermaLink="false">http://www.charlesgreenco.com/?p=821</guid>
		<description><![CDATA[Here&#8217;s a question for you: are there degrees of dishonesty? If no one saw you miss a golf swing in the rough, and you didn’t add it to your score, is that dishonest? If bad traffic made you late for work, should you lie and say you were on time, so to let your employer bear the cost of your missed time instead of you? If you serve in the Legislature, and a certain political contribution from a trade association made it much simpler for you to agree with their reasoning, have you sold your vote? Surely more readers would find less fault with the first rather than the last question. Cheating at golf, where the only stakes are the &#8230; <a href="http://www.charlesgreenco.com/2011/04/25/must-so-many-of-us-have-such-a-low-price/"><span class="readmore">Read More <span class="meta-nav"><img src="/wp-content/themes/charlesgreenco/images/icon_more.png" alt="More" /></span></span></a>]]></description>
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		<slash:comments>0</slash:comments>
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