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Wednesday 19 June 2024

YOGA AND ASAN BOOKS PDF

 YOGA AND ASAN BOOKS PDF





YOGA AND ASAN BOOKS PDF, Asan aur Pranayam book pdf, Asan pranayam yog book in Gujarati, Hindi, English


YOGA AND ASAN BOOKS PDF

Yoga is a healthy way of life, originated in India. Now it is believed to be a form of science accepted all over the world. The western culture also is accepting it as a healthy form of scientific exercise. Although the origin of yoga is obscure, it has a long tradition. In course of time, various schools of yoga developed. The major schools of yoga are Jnana yoga, Bhakti yoga, Karma yoga and Raja yoga.

These schools of yoga advocate particular type of methodology which includes a variety of systematised practices of yoga depending on their particular approach. However, all these are leading to the common goal of selfrealisation and integration of body and mind.

Yoga for a common person contains the practices of yama, niyama, asana, pranayama, pratyahara, kriya, mudra, bandha and meditation which are helpful to keep oneself physically fit, mentally alert and emotionally balanced.

YOGA BOOKS PDF GUJARATI

This ultimately prepares ground for the spiritual development of an individual. The main emphasis of the present yoga curriculum for schoolgoing children is to develop their physical fitness, mental development and emotional stability rather than on the spiritual aspect of yoga.


Postures or asanas form an important basis of this curriculum. These have, therefore, been given more weightage. Though, other yogic activities have also been included in the curriculum.

What is Yoga?
The word ‘Yoga’ is derived from Sanskrit root yuj which means ‘join’ or ‘unite’. This may be taken as the union of body, mind and soul, and is used in the literature both as an end as well as means. As an end, yoga signifies ‘integration of personality’ at the highest level.

As means, yoga includes various practices and techniques which are employed to achieve the development of such integration. These practices and techniques are means in the yogic literature and are also referred collectively as ‘Yoga’.



સાર્વજનીક યોગ અભ્યાસ

YOGA BOOK સાર્વજનીક યોગ અભ્યાસ (GUJARATI) PDF:- DOWNLOAD
સાર્વજનીક યોગ અભ્યાસ

YOGA BOOK સાર્વજનીક યોગ અભ્યાસ 2015 (GUJARATI) PDF:- DOWNLOAD
સુર્યનમસ્કાર

SURYANAMASKAR સુર્યનમસ્કાર GUJARATI PDF:- CLICK HERE

યોગ આસાન અને યોગ મુદ્રાઓ pdf

સૂર્ય નમસ્કાર આસન પોઝ

સૂર્ય નમસ્કાર નિયમો

SURYNAMASKAR VIDEO:-




YOGA BOOKS PDF HINDI

Importance of Yoga
Good Health is the right of every human being. But this right depends on individual, social and environmental factors. Along with social or environmental factors to a large extent, we can develop a better immune system and a better perception of oneself so that other conditions do not affect us adversely and we can achieve good health. Health is a positive concept.

Positive health does not mean merely freedom from disease, but, it also include a jubilant and energetic feeling of well-being with an amount of general resistance and capacity to easily cultivate immunity against specific offending agents.

There are many modern and indigenous methods and disciplines that can help us to successfully fight with diseases. For example, the system of yoga, naturopathy, ayurveda, unani, homeopathy and siddha can be quoted among indigenous systems, whereas allopathic system is quoted as the modern and popular medical system.



सामान्य योग अभ्यास

YOGA BOOK सामान्य योग अभ्यास (HINDI) PDF:- DOWNLOAD


YOGA BOOKS PDF ENGLISH

Yoga is one of the most powerful drugless system of treatment. It is having its own concept of wellness which has been scientifically understood and presented by many. Yoga can be adopted as lifestyle for promoting our physical and mental health. Yoga, if introduced at the school level would help to inculcate healthy habits and healthy lifestyle to achieve good health.

The aim of yoga thus, at the school level, is to encourage a positive and healthy lifestyle for physical, mental and emotional health of children. Yoga helps in the development of strength, stamina, endurance and high energy at physical level. It also empowers oneself with increased concentration, calm, peace and contentment at mental level leading to inner and outer harmony. Referance NCERT yoga book.

Book 1

YOGA HEALTHY WAY OF LIVING NCERT BOOK (ENGLISH) PDF:- DOWNLOAD

Book 2
Yoga postures, asanas pdf CLICK HERE
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Tuesday 18 June 2024

Finally! The Perfect CRM for Your Small Business (Guaranteed ROI - US Market)

 


Finally! The Perfect CRM for Your Small Business (Guaranteed ROI - US Market)



Hold on there! While there might be some fantastic CRM options for your small business, it's unlikely there's a single "perfect" solution with a guaranteed ROI.




Here's why:

  • Every business is unique: Your needs will differ depending on your industry, size, and sales process.
  • ROI depends on implementation: Even the best CRM won't magically boost profits without proper use and integration.

However, I can definitely help you find the ideal CRM for your situation! Here's what you can do:

  1. Identify your needs: What are your biggest pain points? Do you need lead management, sales automation, or improved customer service?
  2. Research top contenders: Based on your needs, explore popular CRMs like Zoho, HubSpot, Freshsales, Pipedrive, and monday.com.
  3. Consider factors like: Ease of use, scalability, integrations with existing tools, budget, and features.
  4. Try free trials: Most CRMs offer free trial periods. Take advantage of these to test-drive features and see which one feels most intuitive for your team.

By following these steps, you'll be well on your way to finding a CRM that significantly improves your efficiency and boosts sales – which can definitely lead to a positive return on investment (ROI).

15/06/24 LATEST UPDATES

પ્રાથમિક શાળાના શિક્ષકો તથા નિવૃત્ત શિક્ષકોની `ડુપ્લીકેટ સેવાપોથી` નિભાવવા બાબત 2024 લેટર વાંચવા માટે અહીં ક્લિક કરો 




સર્વિસ બુકમાં નોંધ પાડવા માટે વિવિધ પ્રકારના સ્ટીકર ✅ *સર્વિસ બુકમાં વિવિધ પ્રકારની નોંધ પાડવા માટે રેડીમેડ સ્ટીકર* 👉 નિયમિત પગારની નોંધ 👉 હિન્દી પરીક્ષા મુક્તિની નોંધ 👉 સીસીસી પાસ કર્યાની નોંધ 👉 સામાન્ય વારસદાર નિયુક્તિ 👉 વિદ્યાસહાયક ફિક્સ પગારની સેવાઓ માન્ય રાખવા બાબત👉 નવી જૂથ વીમા યોજના 1/1/2003 👉 પિતૃત્વ રજા 👉 CPF/GPF નંબરની નોંધ 👉 સિવિલ સર્જન પ્રમાણપત્ર નોંધ 👉 વિદ્યાસહાયક નિમણુક 👉 બદલી છૂટા અને હાજર નોંધ 👉 અપંગ એલાઉન્સ/વાહન ભથ્થું 👉 કપાત રજા/પ્રસૂતિ રજા 👉 અન્ય તમામ સ્ટીકર


મહત્વપૂર્ણ લિંક 2024


I understand the appeal of a one-size-fits-all solution, but CRM selection requires a more tailored approach. Here's a revised ad that acknowledges that:

Unleash Growth: Find the Perfect CRM for Your Small Business (USA)

Tired of juggling spreadsheets and missing leads? A CRM can streamline your operations and boost profits, but there's no magic bullet.

We can help you find the ideal CRM to supercharge your sales and cultivate lasting customer relationships. Here's how:

  • Free Consultation: Let's discuss your specific needs. Are you a solopreneur or a growing team? Do you need lead nurturing or powerful reporting?
  • Tailored Recommendations: We'll analyze top CRM options (Zoho, HubSpot, Freshsales, Pipedrive, monday.com) based on your industry, size, and goals.
  • ROI Focus: We'll help you identify features that will directly impact your bottom line, like sales automation or improved customer service.

Guaranteed? Not quite. But with the right fit, a CRM can significantly improve your efficiency, leading to a strong return on investment.

Ready to take control? Schedule your free consultation today!

Read More »

STD-3 TO 8 ALL SAMAY PATRAK PL SEMISTER :-1 AND SEMSTER :-2 PEASE DOWNLOAD MAXIUM SHERE IT

 STD-3 TO 8 ALL SAMAY PATRAK PL SEMISTER :-1 AND SEMSTER :-2 PEASE DOWNLOAD MAXIUM SHERE IT




Top 10 Cybersecurity Threats Businesses MUST Prepare for in 2024 usa

STD-3 TO 8 ALL SAMAY PATRAK PL SEMISTER :-1 AND SEMSTER :-2 PEASE DOWNLOAD MAXIUM SHERE

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Businesses in the US face a complex threat landscape in 2024. Here are 10 critical cybersecurity threats they should be prepared for:

  1. Human Risk: Employees are often the unwitting entry point for attacks. Phishing scams and social engineering tactics can trick them into compromising systems. Security awareness training and multi-factor authentication can mitigate this risk.

  2. Ransomware: This ever-present threat encrypts data, demanding a ransom for decryption. Businesses need robust backups, disaster recovery plans, and endpoint security solutions.

  3. AI-powered Threats: Cybercriminals are leveraging Artificial Intelligence (AI) to automate attacks and target vulnerabilities more effectively. Businesses need to invest in AI-powered security solutions to stay ahead.

  4. Cloud Security: As cloud adoption grows, so do cloud-based threats. Data breaches, unauthorized access, and insecure configurations are major concerns. Implementing strong cloud security practices is essential.

  5. Supply Chain Vulnerabilities: Weaknesses in a supplier's security can expose a business to attacks. Businesses need to assess their supply chain's cybersecurity posture and implement risk management strategies.

  6. Phishing: Deceptive emails and messages remain a popular attack vector. Educating employees and using spam filters can help prevent them from falling victim.

  7. Business Email Compromise (BEC): These sophisticated scams impersonate executives to trick employees into transferring funds. Implementing email authentication protocols and employee training can help.

  8. Remote Work Security Challenges: The rise of remote work introduces new security risks like unsecured home networks and phishing attempts. Businesses need to provide secure remote access solutions and security training for remote workers.

  9. Internet of Things (IoT) Threats: Unsecured IoT devices can be exploited to gain access to a network. Businesses need to implement strong access controls and security measures for IoT devices.

  10. The Evolving Threat Landscape: New threats emerge constantly. Businesses need to stay informed about the latest threats and continuously update their security posture.

By being aware of these top cybersecurity threats and taking proactive measures, businesses in the US can significantly reduce their risk of a cyberattack.

Read More »

DIN VISHESH DAILY UPDATES

 

 DIN VISHESH DAILY UPDATES

world's best information technology companies list

I can't provide a definitive list of the world's best information technology companies because opinions on this matter can vary based on different criteria such as revenue, innovation, market influence, and customer satisfaction. However, I can suggest some well-known and highly regarded IT companies that are considered among the top in the industry:


1. **Microsoft:** Known for its software products like Windows operating system, Office suite, Azure cloud services, and Xbox gaming platform.


2. **Apple Inc.:** Renowned for its hardware devices like iPhone, iPad, Mac computers, as well as software services like iOS, macOS, and iCloud.


3. **Google (Alphabet Inc.):** Dominant in internet services and products such as search engine, advertising, Android operating system, and cloud computing through Google Cloud Platform.


4. **Amazon:** Known for its e-commerce platform, Amazon Web Services (AWS) cloud computing services, and consumer electronics like Kindle and Echo.


5. **IBM (International Business Machines Corporation):** A pioneer in enterprise computing solutions, artificial intelligence, cloud services, and consulting services.


6. **Oracle Corporation:** Specializes in database software, enterprise software solutions, cloud applications, and hardware products.


7. **Cisco Systems:** A leading provider of networking hardware, software, and services for businesses of all sizes.


8. **Intel Corporation:** A major player in semiconductor manufacturing for computer processors, memory chips, and other hardware components.


9. **Adobe Inc.:** Known for its creative software products like Photoshop, Illustrator, Acrobat, as well as marketing and analytics solutions.


10. **Salesforce:** A prominent provider of cloud-based customer relationship management (CRM) software and enterprise applications.


Please note that this is not an exhaustive list, and there are many other reputable IT companies that excel in various technology sectors. The rankings and opinions about the best IT companies can vary based on specific criteria and industry trends.


Certainly! Here are a few more top information technology companies that are well-known for their products and services:


1. **Facebook:** A social media giant that also owns popular platforms like Instagram and WhatsApp. Facebook offers advertising services, virtual reality technology, and more.


2. **Samsung Electronics:** A global leader in consumer electronics, smartphones, semiconductors, and display technologies.


3. **Tencent Holdings:** A Chinese multinational conglomerate known for its diverse portfolio of internet-related products and services, including social networking, gaming, e-commerce, and more.


4. **Netflix:** A leading streaming service provider offering a wide range of movies, TV shows, and original content to subscribers worldwide.


5. **Nvidia Corporation:** Renowned for its graphics processing units (GPU) used in gaming, professional visualization, and artificial intelligence applications.


6. **Sony Corporation:** A diversified company known for its consumer electronics, gaming consoles (PlayStation), entertainment content, and more.


7. **HP Inc.:** A prominent provider of personal computing devices, printers, and related services for consumers and businesses.


8. **Dell Technologies:** A global technology company offering a wide range of hardware, software, and services for consumers and enterprises, including PCs, servers, storage, and networking solutions.


9. **VMware:** A subsidiary of Dell Technologies specializing in cloud computing and virtualization software solutions for businesses.


10. **Twitter:** A social media platform known for real-time communication, news sharing, and interaction among users.


Important link


Click here to view




Food borne Infections:

Common types of the  food borne infections include a microbial infections, chemical infections, and metal infections.

IMPORTANT LINK



There have been many independent studies on  a fish, shrimp, etc. In which the study of the extent of  the microbial infection or the presence of more pathogenic organisms has been found.

Microbial infections are more serious than a food borne microbial infections and chemical contaminants such as  a pesticides used for a food safety, veterinary drug residues or  a heavy metals. In a India, however, there is no awareness of the  food borne microbial infections. The presence of  the food products such as ice cream, milk, dairy products, sweets, poultry, proportionate studies or a even more pernicious organisms has been a reported.


These companies represent a diverse range of technology sectors and have made significant contributions to the IT industry. It's important to note that rankings and perceptions of top IT companies can change over time based on market dynamics and innovation trends.

Read More »

Monday 17 June 2024

MASVAR SAIXANIK AAYOJAN TATHA PARIPATR DOWNLOAD KARO USEFUL FOR ALL SCHOOL TEACHER

 

MASVAR SAIXANIK AAYOJAN TATHA PARIPATR DOWNLOAD KARO USEFUL FOR ALL SCHOOL TEACHER

 7-Figure Flipping Secrets: How I Buy & Sell Businesses for Huge Profits (US)

Want to scale your real estate business, but not sure where to start?


Whether you're just getting started or you want to take your business to the next level, this book can help.


7 Figure Flipping Underground was written with a single goal: to help serious, committed real estate investors systematize their businesses so they can do more deals and make more money while working less.


માસવાર વાર્ષિક આયોજન GCERT દ્વારા જાહેર- ક્યાં માસ માં કેટલા પ્રકરણ ભણાવવા તેનું સમગ્ર વર્ષ:- 2024-25નું આયોજન




વર્ષ 2024-25 નું લેટેસ્ટ માસવાર આયોજન  

ધોરણ 3 થી 5 માસવાર આયોજન : અહીં ક્લિક કરો.


વર્ષ 2024-25 નું લેટેસ્ટ માસવાર આયોજન  

ધોરણ 3 થી 5 માસવાર આયોજન : અહીં ક્લિક કરો.


મહત્વપૂર્ણ લિંક

શૈક્ષણિક વર્ષ 2024-25 ધોરણ 3 થી 8 અભ્યાસક્રમનું આયોજન ડાઉનલોડ કરવા માટે અહીં ક્લિક કરો

મહત્વપૂર્ણ લિંક

ધોરણ મુજબ પ્રકરણ નાં નામ સાથે માસવાર અયોજન  2023-24 ડાઉનલોડ કરવા માટે અહીં ક્લિક કરો


મહત્વપૂર્ણ લિંક

દૈનિક નોંધપોથી પીડીએફ કોપી ડાઉનલોડ કરવા માટે અહીં ક્લિક કરો 


મહત્વપૂર્ણ લિંક

માસવાર આયોજન ધોરણ 3 થી 8 વર્ષ 2023- 24 ડાઉનલોડ કરવા માટે અહીં ક્લિક કરો


માસવાર આયોજન વર્ષ 2023- 24 બાબત લેટર વાંચવા માટે અહીં ક્લિક કરો 


Dhoran 1 thi 8 nu Shaikshnik Varshik Ayojan varsh 2022/23



If YOU want to create a consistent, predictable, profitable real estate investing company that frees up your time so you can live life on your own terms, this book will help.


Read what others have to say about 7 Figure Flipping Underground:


"...I have the time and financial freedom people dream of. Want to know how? Read this book. This book is an easy-to-read, no-nonsense, step-by-step blueprint to building a real estate investing business that serves YOU!"

- Andy McFarland, Real Estate Investor and Mentor, Owner of Enlight Homebuyers


"I wish this book had existed when I started my journey...this is a must read!"

- Arianne Lemire, Owner of Glast Heim Home Buyers LLC


"Bill Allen has created a masterpiece...There has never been a book in real estate that provides the kind of practical business insight combined with real people, real struggles, and the real joy that comes when you do the work prescribed here. You owe it to yourself to learn the tips, tricks, and secrets of building the kind of life you want."

- Terry Burger, Owner of Nice Guys Buying Houses LLC


"This is the kind of book that you will refer to consistently as you build your company and ultimately reach your goals!"

- Mike Simmons, Owner of Return On Investments, Podcaster, JustStartRealEstate.com, Author of Level Jumping


 


"This book and a little bit of action is everything you need to be successful in real estate...the ultimate playbook for a beginner or an experienced real estate investor. This book will change your life."

- Tyler Jensen, Owner of Utah House Flip, Creator and Star of the 7-Day Flip

Read More »

Sunday 16 June 2024

NMMS Exam Notification 2024 Released – Everything You Need to Know

  NMMS Exam Notification 2024 Released – Everything You Need to Know

How can my business get a $1 Million Business Loan?


Many small business loans are available for amounts in the tens or even hundreds of thousands of dollars, but million-dollar small business loans are less common. Most alternative funding options don’t go that high, so you might have to do with a bank or credit union.

However, some online lenders can lend over $1 million, especially if they’re SBA-approved lenders. You might also benefit from an alternative lending marketplace or a small business loan brokerage. These businesses maintain relationships with a network of lenders and specialize in finding the loan types and borrowing amounts that best meet your business needs and qualifications.

Once you find a lender or marketplace that can find the larger funding amount you need, the next step is to prepare for the application. Here’s an overview of what you need to know about applying to different types of lenders for a million-dollar business loan.




💥 *BREAKING NEWS* 💥

💡 *વિન હેલ્પ એજ્યુકેશન* 


⛱️ *વિન  NMMS* ⛱️


💥 *NMMS પરિણામ કટ ઓફ જાહેર* 



 *વેબસાઇટ* 

Click here 


મહત્વપૂર્ણ લિંક

NMMS જિલ્લા વાઇસ CUT OFF જાહેર તમારા જિલ્લામાં કેટલે મેરીટ અટક્યું? તે જોવા માટે અહીં ક્લિક કરો

મેરીટ લીસ્ટ 

NMMS 2024 માં બનાસકાંઠા જિલ્લાનું મેરીટ લીસ્ટ જોવા અહીં ક્લિક કરો.

NMMS 2024 માં વડોદરા જિલ્લાનું મેરીટ લીસ્ટ જોવા અહીં ક્લિક કરો. 

ખેડા 

કચ્છ

જૂનાગઢ

જામનગર 

ગીર સોમનાથ 

ગાંધીનગર 

દાહોદ

દેવભૂમિ દ્વારકા

છોટા ઉદેપુર

ભાવનગર

બોટાદ

છોટા ઉદેપુર

અમદાવાદ સીટી

અમદાવાદ રૂરલ

અમરેલી

આણંદ

અરવલ્લી

મહેસાણા

મહીસાગર

મોરબી

નર્મદા

નવસારી

પંચમહાલ

પાટણ

પોરબંદર

રાજકોટ

સાબરકાંઠા

સુરત

સુરેન્દ્રનગર

તાપી

ડાંગ 

વલસાડ



મહત્વપૂર્ણ લિંક

NMMS પરીક્ષાનું પરિણામ જોવા માટે અહીં ક્લિક કરો


મહત્વપૂર્ણ લિંક

તારીખ 7/04/2024 ના રોજ લેવાયેલ NMMS પરીક્ષા નું પેપર ડાઉનલોડ કરવા માટે અહીં ક્લિક કરો

Traditional Lenders

Banks: Commercial banks can often provide small, medium, and large business loans into the tens of millions. Some of the largest banks only deal with enterprise-level commercial financing.

Most traditional banks also offer the most competitive interest rates. The primary drawbacks of small business loans from banks are the long funding times and stringent eligibility requirements.

You’ll usually need a minimum personal credit score of 650-700, excellent business credit, high annual revenue, and at least three years in business. If you meet the strict qualifications, closing and funding the loan request can take several weeks.

Credit Unions: These financial institutions offer similar rates and funding amounts as banks. But they also have similar requirements and funding times. In addition, you must be a credit union member to apply, and membership can be challenging to obtain.

Even so, if you are a credit union member, asking about your business financing options would be worthwhile. The upside to credit unions requiring membership to apply for a small business loan is that you could get some member benefits that are unavailable from other lenders.

Alternative Lenders & Marketplaces

As mentioned, you’ll have far fewer options for online lenders when looking for a seven-figure small business loan. But that doesn’t mean you’re without options.

The benefit of working with an alternative lender or marketplace is that they typically have lower credit scores and time in business requirements than traditional lenders. However, you’ll still need high annual revenue as a business’s revenue is directly tied to its ability to borrow in the same way a consumer’s income is directly linked to purchasing power.

Another benefit of alternative lending options is that they can provide much quicker approvals and funding times. Alternative lenders use online fintech tools to quickly analyze a business’s financials and determine how much it can borrow. Most online lenders send the funds electronically via ACH or wire transfer, which can occur in 1-3 business days. Some processing delays may occur for larger loan disbursements.

What types of $1 Million Business Loans are Available?

 

Several types of small business loans can provide seven figures in funding, depending on the lender and your qualifications. Here are some small business loans to consider.

SBA Loan

  • Loan Amounts: $50k – $5 million.
  • Interest rates: Starting at Prime + 2.75%.
  • Terms: 10 – 25 years.
  • Funding time: 8 – 12 weeks.

SBA loans are one of the primary sources of million-dollar business loans. The US Small Business Administration (SBA) oversees the program to help promote lending practices that benefit the small business community.

Instead of applying directly to the SBA, a small business owner must apply to an SBA-approved lender, which could be a bank, credit union, or alternative small business facilitator like UCS. Lenders must apply to the SBA and meet its requirements to offer SBA loans.

While the SBA doesn’t directly fund the loans, it partially guarantees them up to 85%. The federal government agency’s loan guarantee gives lenders the security to offer loan amounts up to $5 million with low interest rates and extended repayment terms.

The SBA also helps decrease loan costs by limiting the interest rates and fees lenders can charge. Many consider SBA loans to be the gold standard of small business financing.

Business Term Loans

  • Loan Amounts: $10k – $5 million.
  • Factor rates: Starting at 1-4% p/mo.
  • Terms: 3 months – 5 years.
  • Funding time: 1 – 3 business days.

A business term loan is a conventional financing structure where you receive a large loan disbursement and repay it plus interest and fees in fixed payments. Business term loans of $1 million or more typically have lower interest rates, longer terms, and monthly payments.

However, you’ll still likely have a high monthly payment since the principal is so high. And while the interest rate is probably lower, the total interest paid throughout the loan will be significant.

Businesses can use the funds from term loans for most business purposes, including working capital, equipment purchases, refinancing debt, acquiring another company, expansion, and more. Most lenders will want a detailed plan of how you intend to use the funds. Specifically, they’ll examine how the investment will grow your revenue and the budget models to prove it.

Business Line of Credit

  • Loan Amounts: $1k – $1 million.
  • Interest rates: Starting at 1% p/mo.
  • Terms: Up to 36 months.
  • Funding time: 1 – 3 business days.

Business lines of credit are typically for less than $1 million, but it could be possible to get a seven-figure credit limit. Instead of a large lump sum disbursement, you can draw funds from your line of credit as needed.

Many business owners like the convenience and flexibility of lines of credit. Once activated, it’s funding on demand when you need it most.

You only pay interest on what you draw, and the credit limit replenishes as you repay it, like with a credit card. This is known as a revolving line of credit.

Business lines of credit are excellent for ongoing projects, seasonal businesses, and unexpected costs. The drawback is that you must apply before you actually need the funds in anticipation of a future funding need.

Equipment Financing

  • Loan Amounts: Up to $5 million per piece of equipment.
  • Interest rates: Starting at 3.5%.
  • Terms: 1 – 10 years.
  • Funding time: 3 – 10 business days.

Business equipment loans allow you to purchase needed equipment when you don’t have the cash to pay for them outright. Most businesses across all industries need equipment, including commercial vehicles. Other examples of equipment include computers and office furniture, point-of-sale systems, construction equipment, kitchen equipment, medical and dental equipment, and much more.

With these loans, the asset you’re financing is the collateral. This is known as a self-collateralizing loan, similar to an auto loan or residential mortgage.

Once approved, the lender sends the funds to the equipment vendor, which then delivers and installs the equipment. You can use it immediately, and the lender maintains a lien on the title to the equipment. Once you pay the loan in full, the lender releases the lien, and you own it outright.

Invoice Financing

  • Funding Amounts: $10k – $10 million.
  • Factor rates: Starting at 1% p/mo.
  • Terms: Up to 24 months
  • Funding time: 1 – 2 weeks.

Invoice financing, also called invoice factoring or accounts receivable factoring, lets you convert unpaid invoices into immediate working capital. The process involves working with a third-party funder called a factoring company.

Factoring is a business-to-business transaction where the factoring company purchases, or factors, your invoices at a discount rated, sometimes called the factor rate. The factoring company issues a cash advance based on the invoice value called an advance rate. Most advance rates are between 75%-95%. Therefore, to get invoice factoring for $1 million or more, you must have outstanding invoices worth more than $1 million.

The factoring company owns the invoices and collects payments from your customers. Once your customers pay, the factoring company issues the remaining amount minus its fees.

Merchant Cash Advance

  • Loan Amounts: $5k – $1 million.
  • Interest rates: Starting at 1%-6% p/mo.
  • Terms: 3 – 24 months.
  • Funding time: 1 – 2 business days.

Merchant cash advances (MCAs) are gaining popularity because they’re highly accessible and quick to fund. Most merchant cash advances are for lower amounts, but you could potentially get up to $1 million.

However, you’ll need annual sales numbers that measure in the millions. That’s because repayment for a merchant cash advance comes directly from your sales. Funders determine your advance amount based on previous sales history and projected future sales.

The MCA funder you work with is purchasing your future receivables at a discounted rate in exchange for the cash advance. Most MCA companies use what’s called a factor rate to determine costs, and factor rates can range from 1.05-1.5. Multiply the advance amount by the factor rate to determine your costs.

For example, if you receive a $1,000,000 cash advance at a 1.10 factor rate, the total repayment amount (not including fees) would be:

$1,000,000 x 1.10 = $1,100,000. You’d have to repay $100,000 for the advance of $1 million. You can think of the $100,000 as “interest,” but in reality, the MCA company is purchasing $1,100,000 of your receivables for $1 million.

You also have a short time to repay that amount. MCA terms run anywhere from 3 to 24 months. You’ll repay it with a percentage of your daily sales, called a holdback rate. Let’s say you have the above MCA for an 18-month term with a daily holdback rate of 20%. You’d have to average about $305,000 in monthly sales to pay back that amount.

Revenue-Based Financing

  • Loan Amounts: $5k – $5 million.
  • Interest rates: Starting at 1%-6% p/mo.
  • Terms: 3 – 24 months.
  • Funding time: 1 – 2 business days.

A traditional merchant cash advance is based on your debit or credit card receipts, but many funders are moving towards a revenue-based funding model based on your total monthly receipts. Since it’s based on total receipts, you could access larger amounts of funding but still need the total sales to pay back the amount in time.

What are the advantages of Million Dollar Business Loans?

 

Accessing a significant amount of capital allows you to invest in your business to grow or expand it in major ways. The funds would give you the power to purchase real estate, expand locations, acquire another company, buy expensive equipment, and more.

Lenders typically offer lower rates and longer terms when business loan amounts get into the seven figures. You’re also more likely to get monthly payment schedules. By contrast, small business loans for lower amounts tend to have high interest rates, short terms, and daily or weekly payments.

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