Using The Internet To Market Your Window Cleaning Business

You’re tired of struggling financially and you need to create an alternative source of income. After considering the options, you decide to start a window cleaning business. You’ve scoured the internet for information on how to clean windows and you’ve practiced at home until you feel confident enough to offer your services to others. You have the money to invest in some squeegees, a couple of ladders and some business cards. Now what?Time To Advertise!Using the internet to market your window cleaning business offers a lot of advantages over traditional advertising. Advertising on the internet is absolutely the most cost-effective means of marketing available today and it can be very effective. In March of 2010, BIA (bia.com) and The Kelsey Group (kelseygroup.com) reported that, ”nearly all consumers (97 %) now use online media when researching products or services in their local area…”Having an internet presence means that your business information is available to anyone at anytime. As potential customers browse the internet, they can discover your business and the services you offer at a time that’s convenient to them and without any obligation or any of the pressure some people associate with ‘being sold’.If you’re starting your business with a limited budget, the most attractive advantage of internet marketing is probably the cost.Free AdvertisingIn some markets, using the free local listing sites on the internet may be enough to get you going. Potential customers are already searching for the goods or services you provide – they just need to be able to find you.Google PlacesSigning up for Google Places is simple and offers an opportunity to make sure your business can be found on Google and on Google Maps. With a Google Places listing, you can create an online presence even if you don’t have a website. It only takes a couple of minutes and it’s completely free.Start by reading the Google Places quality guidelines to make sure your listing will be approved. Then go to Google Places and sign in with your Google account. If you don’t already have a Google account, sign up for one, they’re free. Google keeps track of the number of times your listing is viewed during a Google search so you can track how effective the listing is. Once your account is verified, you can continue to edit the listing as often as needed to insure the best results.Yahoo Local ListingsYahoo local listings operates much in the same way as Google Places. Again, this is an opportunity to create a web presence that doesn’t require having a website. You can list your business name, address, contact information and the unique selling opportunity that your business offers. Your listing can include your products, services and brands in up to five categories.Start by going to the Yahoo Local signup page. If you don’t already have a Yahoo account, sign up for one. There is no charge for a Yahoo account and it only takes a few minutes to register.Bing Local ListingsMicrosoft also has a free local listing service similar to Google Places and Yahoo Local Listings. Start by going to the Bing Local Listings signup page and enter your information. Again, if you don’t already have a Bing account, you can sign up for one in a couple of minutes and there is no charge.Bing Local Listings lets users look for services in their local area which makes it easy for new customers to find you. Once your listing is verified you can log on to the Bing Local site and edit your listing to match any changes you may want to make as your business grows.Online ReviewsAll of the free local listing sites mentioned here also allow your customers to leave a brief review of their experience with you and your company. This can be a great tool to drive business from the internet to your front door. Most people today already have an email account with one of the ‘big three’, Google, Yahoo or Bing. Be sure to ask your customers if they would mind taking a few minutes and leaving a review of your company’s service on one of the local listing sites. If they’re happy with your service they’ll probably be glad to.After your window cleaning business has generated some income you may want to enlarge your internet presence with a business website. While the free listing sites do a great job of getting you started, a business website designed to target your local market is a definite must if you want to continue to grow your business and increase your income.More about business websites in the next article.

US Markets in green on Friday; Dow 30 up over 345 points, Nasdaq Composite, S&P 500 up nearly 1%

US Markets were trading in the green on Friday with Dow 30 trading at 30,678.80, up by 1.14%. While S&P 500 was trading at 3,701.66, up by 0.98% and Nasdaq Composite 10,690.60 was also up by 0.71 per cent

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US Markets in green on Friday; Dow 30 up over 345 points, Nasdaq Composite, S&P 500 up nearly 1%
Earlier today, Indian stock markets ended the week on a winning note. It was the sixth straight gains for equity markets. Source: Reuters
US Markets were trading in the green on Friday with Dow 30 trading at 30,678.80, up by 345.25 points or1.14 per cent. While S&P 500 was trading at 3,701.66, up by 35.88 points or 0.98 per cent and Nasdaq Composite 10,690.60 was also up 75.75 points or 0.71 per cent. A Reuters report said that today’s strength was on the back of a report which said the Federal Reserve will likely debate on signaling plans for a smaller interest rate hike in December, reversing declines set off by social media firms after Snap Inc’s ad warning.

Source: Comex

Nasdaq Top Gainers and Losers

Source: Nasdaq

Earlier today, Indian stock markets ended the week on a winning note. It was the sixth straight gains for equity markets. The BSE Sensex ended at 59,307.15, up by 104.25 points or 0.18 per cent from the Thursday closing level. Meanwhile, the Nifty50 index closed at 17,590.00, higher by 26.05 points or 0.15 per cent. In the 30-share Sensex, 13 stocks gained while the remaining 17 ended on the losing side. In the 50-stock Nifty50, 21 stocks advanced while 29 declined.

Business Loans In Canada: Financing Solutions Via Alternative Finance & Traditional Funding

Business loans and finance for a business just may have gotten good again? The pursuit of credit and funding of cash flow solutions for your business often seems like an eternal challenge, even in the best of times, let alone any industry or economic crisis. Let’s dig in.

Since the 2008 financial crisis there’s been a lot of change in finance options from lenders for corporate loans. Canadian business owners and financial managers have excess from everything from peer-to-peer company loans, varied alternative finance solutions, as well of course as the traditional financing offered by Canadian chartered banks.

Those online business loans referenced above are popular and arose out of the merchant cash advance programs in the United States. Loans are based on a percentage of your annual sales, typically in the 15-20% range. The loans are certainly expensive but are viewed as easy to obtain by many small businesses, including retailers who sell on a cash or credit card basis.

Depending on your firm’s circumstances and your ability to truly understand the different choices available to firms searching for SME COMMERCIAL FINANCE options. Those small to medium sized companies ( the definition of ‘ small business ‘ certainly varies as to what is small – often defined as businesses with less than 500 employees! )

How then do we create our road map for external financing techniques and solutions? A simpler way to look at it is to categorize these different financing options under:

Debt / Loans

Asset Based Financing

Alternative Hybrid type solutions

Many top experts maintain that the alternative financing solutions currently available to your firm, in fact are on par with Canadian chartered bank financing when it comes to a full spectrum of funding. The alternative lender is typically a private commercial finance company with a niche in one of the various asset finance areas

If there is one significant trend that’s ‘ sticking ‘it’s Asset Based Finance. The ability of firms to obtain funding via assets such as accounts receivable, inventory and fixed assets with no major emphasis on balance sheet structure and profits and cash flow ( those three elements drive bank financing approval in no small measure ) is the key to success in ABL ( Asset Based Lending ).

Factoring, aka ‘ Receivable Finance ‘ is the other huge driver in trade finance in Canada. In some cases, it’s the only way for firms to be able to sell and finance clients in other geographies/countries.

The rise of ‘ online finance ‘ also can’t be diminished. Whether it’s accessing ‘ crowdfunding’ or sourcing working capital term loans, the technological pace continues at what seems a feverish pace. One only has to read a business daily such as the Globe & Mail or Financial Post to understand the challenge of small business accessing business capital.

Business owners/financial mgrs often find their company at a ‘ turning point ‘ in their history – that time when financing is needed or opportunities and risks can’t be taken. While putting or getting new equity in the business is often impossible, the reality is that the majority of businesses with SME commercial finance needs aren’t, shall we say, ‘ suited’ to this type of funding and capital raising. Business loan interest rates vary with non-traditional financing but offer more flexibility and ease of access to capital.

We’re also the first to remind clients that they should not forget govt solutions in business capital. Two of the best programs are the GovernmentSmall Business Loan Canada (maximum availability = $ 1,000,000.00) as well as the SR&ED program which allows business owners to recapture R&D capital costs. Sred credits can also be financed once they are filed.

Those latter two finance alternatives are often very well suited to business start up loans. We should not forget that asset finance, often called ‘ ABL ‘ by those Bay Street guys, can even be used as a loan to buy a business.

If you’re looking to get the right balance of liquidity and risk coupled with the flexibility to grow your business seek out and speak to a trusted, credible and experienced Canadian business financing advisor with a track record of business finance success who can assist you with your funding needs.