Article02.htmlMany people in the UK, in fact as many as one in three UK taxpayers have paid too much tax!
Greer & Taylor LLP a respected and trusted accountancy service provider has just launched a new website
The Taxation People which can be found at www.thetaxationpeople.com the new online tax refund service is dedicated to getting the maximum legal tax refunds for indviduals whatever the circumstances on a `No Win No Fee` basis
The Taxation People offer a online service, with a simple and easy to follow process that will guide you along the way as you get the refund you are entitled to. In the `my account` section of their site you can track the progress of your refund application and ask questions using a secure service.
I would urge you to check out www.thetaxationpeople.com, where you can enlist the help of the
The Taxation People who will get you the Tax Refund you are entitled to.
Greer & Taylor LLP will be following up the success of their Tax Refund service
The Taxation People by launching a cost effective Self Assesment Service, keep an eye on www.greer-taylor.com for more information.
Bad Credit LoansHave you been refused credit on the past? Are CCjs causing your problems and missed payments weighing heavily on your credit score? Looking for a loan is pointless isn`t it, or that`s how you see it anyway. Just because your finances haven`t been squeaky clean in the past that shouldn`t stop you from getting a loan in the future. It`s possible to secure one of the
Bad Credit Loansthat are currently available. Loan comparison sites can work on your behalf to find you the best loan available. They have contact with hundreds of loan providers and can search out the best deal for your needs right now. Ok, so your credit history has been patchy in the past but that shouldn`t deprive you of taking out one of the
Bad Credit Loansin the future. Your circumstances might have changed and you can afford the monthly repayments with ease; you just need to secure a loan first. Look at the online loan comparison site and you can enter a few details that can start the ball rolling. Once the loan comparison site has found you a great deal they`ll get back to you with the details and you`ll secure one of the
Bad Credit Loansbefore you know it.
Need funds to startup or expand your business? Follow these steps:
A lender looks at a loan request in three sections known as the "three C`s". They are:
- Credit. Did you pay previous lenders back as contracted?
- Capacity: Can you afford to pay back this loan?
- Collateral: If you don`t pay back the loan from what asset can the lender recover their principal?
Step one is:
1. Identify your strength and weaknesses in the "3 C`s". Do this as would a lender - with a very critical eye. Identify your loan to value ratio and your debt service coverage ratio. If you have reason to believe that you credit is less than sterling, get a copy of your credit report including your credit score
Each lender has different criteria with the cost of the loan being higher as your strength in the "3 C`s" is lower. Step two is:
2. Identify lenders who lend to your level of borrower and to your industry type. Call lenders to get their criteria. Learn about the SBA 504 program and 7A loan guarantees. Find who others in your industry have used for financing.
If there is a gap (not a canyon, just a gap) between your borrowing ability and lenders criteria, a loan broker may be able to help. They spend their working hours finding second and third tier (more aggressive and more expensive) lenders and establishing relationships with them. They can act as a salesperson for your project in ways that you as a principal cannot. Step three:
3. If you cannot find lenders on your own, consider hiring a commercial mortgage broker. Be careful - in many areas there is little or no protection under the law for commercial transactions. While a small upfront fee for out of pocket expenses is reasonable, shy away from any that want large upfront payments. If they can do the deal they will be paid very well at settlement. If they can`t do the deal they shouldn`t be taking your business at all.
Once you identify a list of potential lenders or hire a broker, get prepared. Do not think that the business loan process is merely a matter or forms and paperwork. While there is more paperwork than you`d ever want to see, it is more of an inquisition. Step four:
4. Be an expert salesperson for your project. Obviously, we think that your should use FundablePlans.com to build a written proposal. Whatever method you use, know your numbers and be able to defend them. Understand your market and be able to speak competently about it. Know your competition. Most importantly, (from step one) know your strengths and weaknesses as a borrower and be able to maximize the strengths and minimize the weaknesses.
If you are successful with steps one through four, you will expect to "hit a home run". You may, but most likely you won`t. Step five:
5. Don`t give up. Where one lender might have too many loans of your type in her portfolio, the next may need exactly your loan to meet his goals (loan officers are paid to lend). This is not to say that you should "beat a dead horse", but if you have a viable project, a good presentation and good "C`s", you will be able to get financing.
Good luck with your project, if you have questions about funding feel free to use the e-mail link below.
