How To Find A Business Loan In California

California is the land of opportunities as far as small businesses are concerned. The state administration provides both long term and short-term loans on easy terms to small businesses, and provides incentives to private lenders to extend credit to small business. This article discusses some ways to find business loans in California, and lists some institutions where you can apply for small business loans.

Sources of Business Loans in California:

From the federal Small Business Administration to state programs, you can find many loan sources in California. Some of them are listed below.

1) Small Business Loan Guarantee program

This loan program provides guarantees to banks to provide loans to small businesses.

2) California Capital Access Program

This program helps small businesses get funds through banks and private lenders by providing incentive to the lenders.

3) Small Business Tax Exempt Bond Financing

This program makes tax-exempt bond finance available to small businesses that are keen on investing in waste disposal, recycling and other pollution control measures.

4) Small Business Administration (SBA)

The SBA provides a range of loans to small businesses in collaboration with state governments.

5) USDA Business Loans

The US Department of Agriculture provides business loans to small businesses and rural entrepreneurs.

6) Small Business Surety

The SBA offers grants of up to $1.25 to small businesses that are unable to obtain loans from other lenders.

7) Recycling Market Development Loan

These loans are provided to small businesses that utilize secondary waste materials to make new products, in other words, recycle waste materials.

8) Employment Training Panel

This program provides loans to small business owners to train people and make them employable in long-term jobs.

9.) Industrial Development Revenue Bond

Loans are provided for the manufacturing and processing companies that wish to invest in equipment and movable property. The interest rates are low and the loans are tax-exempt.

10.) Energy Innovations

The Energy Innovations Small Grants program gives a maximum of $75,000 to small businesses to for research in the field of energy resources.

With business booming like never before, there has never been a better time for investing in a small business in California. Aiding you in your endeavors will be the Federal as well as the State Government that will provide all possible help in terms of fixed rate loans, grants, as well as counseling to those wish to start a small business in California, or are already running a business in California.

If you want more information on the sources of business loans in California, you can consult a small business consultant who will guide you to the best source of business funds in the state.

Tips For Recruiting A Business Attorney

Business attorneys are extremely important for a business, as they are needed from the first step of starting a business. People usually hire business attorneys to consult about a business start up and will need the attorney’s expertise throughout the life of the business for various aspects of the business. Hiring a business attorney can be a factor determining the success of the venture, as a good attorney will guide the business towards achieving its target goals.

Business attorneys are needed for deciding the business structure, the name of the business, to learn about the laws that govern the business as well as in obtaining necessary licenses and permits that are essential to operate a business. They are needed to negotiate deals, prepare contracts as well as guide the owner while signing a contract prepared by someone else. Their guidance is necessary for banking and financial laws, civil, intellectual property rights, labor and environmental laws related matter. Business attorneys are needed when an asset is purchased, when a business is sold or closed. It is better to go for a large, reputed firm of attorneys while hiring a business attorney, as they have many experienced attorneys who specialize in various areas of law.

How to Hire a Business Attorney:
When money is not a constraint you can hire the best firm of business attorneys and ensure that a team of experienced, qualified attorneys will guide your business. However, when money is a constraint, a sole practitioner may be your best option. There are several ways you may use to hire a business attorney.

Lawyer Referral Service:

Lawyers as well as clients register with these services for a small fee. Clients my look up attorneys after paying a nominal fee, and the referral service will set up an appointment with the lawyer of your choice, making it easy to find and hire a business attorney.


A simple search on the Internet may show a list of business attorneys who live in an area near you. The firms usually have web pages with a list of services offered and fee charged.

Yellow Pages:

It may offer you a wide selection of business attorneys making the choice a bit difficult. Make sure the attorney you hire is experienced and has a good reputation.

Word Of Mouth Recommendations:
it may help to ask people you know like friends, clients, relatives to recommend a good business attorney, and chances are you may get a better business attorney than you had hoped for! Before hiring a business attorney make sure that he is, qualified, experienced, honest and has a good reputation, once you find such an attorney make sure you keep him for good!

Several firms offer services and products to help new business owners to run a business smoothly.

Business Email Accounts And Their Advantages

Having a business email account is a necessity these days for any business. One of the most low cost methods of marketing and advertising is through emails. It helps if you have an impressive, professional business email account as well as promotes your business. It will help your customers remember your email address more easily as well as potential customers can contact you easily. Business email is different from personal email in many ways. Several firms have raked in profits of millions of dollars just using email-marketing strategies. Thus having a unique, business email address will certainly help expand and improve business which is just a few of the advantages of business email account.

Advantages of Using a Business Email Service:
The advantages of business email account are numerous as compared to using personal email accounts to deal with business matters. When a free email account is used for a business, it is usually not unique and can be easily forgotten as well as run the risk of several merchants canceling orders because the majority of internet fraud is associated with mass marketing emails from free email service providers. These free services are constantly under threat of virus attacks such as Trojan horse and other malicious products. Electronic spamming is common with a free email account as a result a business email address may be accidentally black listed when people block certain domains. Some of the accounts may expire if it is not used regularly which will not happen if you use a paid business email account.

It is always better to go in for a paid business mail service for a business email account, as it has a lot more storage space, has a lot more features than personal mail, and has better and more powerful anti-virus and anti-Spam protections. The business email services usually offer unique domain names. Several email accounts are offered for one domain registration. The services cost around $10 to $50 a month. These accounts are more personal; one can select a unique business email address as well as domain name. They offer generous disk space and are guaranteed ad free. This way clients and business associates will immediately know that the email was from your company, as they will recognize your business name which is one of the advantages of business email account. Thus, the risk of being black listed is also less if you have a unique business email account.

One of the best advantages of business email account is a very simple yet powerful means of advertising your business. Permission based email marketing is one of the most cost effective, productive forms of marketing which can reach millions of potential customers.

Several firms offer their service and products to new entrepreneurs making the process of managing a business easy as well as saving their time and money by simplifying tasks.