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Research This Before Taking Out a Business Loan - Conversational - ContactCenterWorld.com Blog

Research This Before Taking Out a Business Loan

The second you know you need to borrow money for your small business or startup might not be the second your business is ready to borrow.

Before you approach a lender for a business loan, you need to ask yourself a few questions about your business, long-term plans, and current needs. You should ensure you have a clear plan of action and to guarantee a simple process. Taking out a business loan is a long and tedious process–do it right the first time and save yourself a headache.

Before Taking Out a Business Loan, Ask:

 


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Where will you get the money?

Business lending options basically include:

  • Government-backed Small Business Administration (SBA) loan

  • Bank/Other financial institution loan

  • Merchant services provider cash advance

  • Alternative lender loan

Do some research on each type of loan to find out which best suits your needs. There are tons of resources online that allow you to compare and contrast lenders, which can simplify your search and help you get the clarity you need before approaching a lender.

What will you need the money for?

Be prepared to answer this for yourself, but especially for the lender.

Don’t simply list the reasons you’re thinking about taking out a business loan. Think about–and write down–your detailed 30-,60-, and 90-day plan of action for spending the money and using it to grow your business. Are you using the money to lease commercial property? Hire new employees? Build a new location? Expand your marketing team? Get detailed; that’s what lenders want to hear.

When will you need the money?

Is this an immediate financial need, or something you’re planning long-term that can be put on hold until you receive the funds?

Know when you’ll need the money and communicate this clearly to your lender. When it comes to borrowing money, surprises are almost never a good thing.

When could you pay it back?

Part of taking out a business loan is paying it back. When could you pay the lender what you owe–and can you pay it back at all? What will your monthly payments be, and for what amount of time?

Keep the loan interest in mind when you consider this question, and be honest with yourself. You don’t want to take out a loan that you will end up defaulting on!

How much money do you really need?

Based on the detailed plan you develop that details how you will use the money you borrow, you will need to determine how much money you need.

Don’t ask for more than you need. It lessens your chance of being approved, and it increases the burden of repayment once that time comes. Be conservative but realistic in your calculations and estimations.

How long have you been in business?

Has your business been around for 6 weeks? 6 months? 6 days? Your answer will be important in a lender’s decision to loan your business money, but being a new business doesn’t necessarily dash your chances.

What’s the current financial fitness of your business?

Once again, being honest with yourself is crucial here. The question is not “Will your business eventually be successful?” How are you doing financially right now? Is your financial situation relatively stable or completely chaotic? Lenders know you wouldn’t be taking out a business loan if you were financially snug, but they want to know the story your books tell.

What could you put up as collateral for the loan?

Do you own assets that are worth enough money to act as collateral, should you default on your loan? You’ll need to consider how you’ll manage to put up collateral for your business loan, even though it’s an unpleasant thought.

This exercise can help drive home the seriousness of the situation for many entrepreneurs. What are you willing to gamble your new business on?

Once you’ve answered these questions for yourself, you’ll have a better idea of what type of loan you’re best suited for and will know just what to say to your lender. Doing plenty of preparation beforehand will ensure you’re not caught off-guard when you speak to a lender about borrowing money to start or grow your business.

Source: https://www.conversational.com/research-this-before-taking-out-business-loan/

Publish Date: February 5, 2016


2021 Buyers Guide Remote Agent Solutions

 
1.) 
3Fiftynine

Branches
Making sure agents can work remotely isn’t a problem with Branches. The system shows accurate information, real-time. No fear of missing out on important updates anymore.

2.) 
Amtelco

Web Agent
Our Web Agent application is a web browser-based telephone agent interface for the Genesis Intelligent Series (IS) call center platform. The Genesis Web Agent application makes any personal computer a professional telephone agent station.

3.) 
Centrical

Centrical Business Continuity & Remote Work Solutions
Centrical Solutions Help Sustain Business Continuity,
Keep Employees Engaged and Connected During COVID-19
In response to the COVID-19 pandemic, Centrical, provider of the holistic, real-time employee engagement and performance management platform, offers contact centers ways to

Keep calm and keep working remotely.

We offer solutions for business continuity in a crisis that provide effective engagement, communications, and reskilling of employees working from home, among other things. They will let you:

Reduce anxiety and isolation
The times we’re in require an extra effort to communicate and keep everyone connected. With Centrical, you can create an ongoing stream of communica...
(read more)

4.) 
Cloud IT Services GmbH

Dialfire
Dialfire offers you a complete call center solution that is simple and intuitive to use and adapts to your needs. It's completely cloud-based, saving you the hassle of setting up a phone system and installing software. In addition to predictive dialing and call blending of inbound calls, you can create personalized campaigns through an intuitive and easy-to-use interface. Features include automated workflows and full control over the agent screen.

You can see the full list of features here:

5.) 
Consilium Software

Consilium UniAgent™ Mobile
As we enter the next stage of the global pandemic, Contact Centers are faced with a new set of challenges to enable their Agents to Work-from-Home without impacting Customer Experience (CX). UniAgent™ Mobile is the ideal solution to enable Work-from-Home Agents using Tablets or Smartphones or PC without any VPN. UniAgent™ Mobile is compatible with Cisco CCE, CCX, PCCE and HCS-CC contact centers (both bridged and nailed connection). UniAgent™ Mobile is available as On-Premises or Cloud Solution which can be hosted in the Private Cloud, or on the Public Cloud (AWS, Microsoft Azure, Google Cloud Platform, etc.). UniAgent™ Mobile can be deployed in conjunction with Cisco Unified Mobile Agent (CU...
(read more)

6.) 
Dalbar Inc.

CXA iCoach
As a leading expert in contact center business practices, DALBAR recognizes the challenge of consistently delivering exceptional customer experiences with the sudden shift to remote teams. Our self-evaluation and coaching solution for remote representatives and virtual contact centers will let you meet these challenges head on. DALBAR's CXA iCoach solution, combines our proprietary criteria and over 40 years of industry research. It allows Contact Center Managers and Quality Teams to continue to improve and provide a better customer experience even when they aren't at a physical location.

7.) 
Eckoh

CallGuard Remote
A flexible way to take secure, PCI DSS compliant payments from home or remote locations. It’s quick to deploy needs no changes to processes or systems.
CallGuard Remote prevents agents from seeing, hearing or recording card details so, the agent, their screen, and any call recordings are removed from the scope of PCI DSS. This simple approach means the customer effectively types their own payment information into the agent’s payment screen, but with the card details being shielded from the agent’s view. It’s simple, and highly effective.

8.) 
Happitu

Happitu is your customer support team’s personal coach. It guides your team through every interaction with custom workflows, responsive scripting, and dynamic help topics.

Documentation in Happitu is automated, detailed, and consistent. Go beyond handle times and service levels with the rich insights of Happitu – from granular interaction data to aggregate data and trends – you get the complete CX journey!

We intentionally built the Happitu Workflow Designer with your customer support team in mind. Using our intuitive tools that provide quick and safe iteration, you eliminate the need to involve IT or Development. Yes, you will no longer have to dread submitting a change request to Devin from IT!

Try it free for 45 days!

9.) 
MattsenKumar LLC

Virtual Contact Center Solutions
Our virtual contact center services help our clients to run their customer support processes (phone, chat, and email) remotely. Our well trained remote agents can help them deliver the best experience for their customers irrespective of the channels. With our data security measures, engaged workforce, and the right reporting tools, our clients are guaranteed with a satisfied customer base.

10.) 
MFE International

Oracle LIVE Experience
Live Experience offers HD voice, video, Screen sharing and annotations for customer mobile users. Agents interacted with users using desktops or mobile. Applications are for Financial Services, Retail, Travel and Hospitality, Digital Services, Utilities, Coporate IT where remote HD video, screen share or annotation is needed for a great customer experience.

11.) 
Nuxiba Technologies

CenterWare
Maintain your business operation from anywhere, even if your agents are at different locations!
Don't let COVID-19 stop you. Use our cloud contact center hosted software and continue your operation.
Monitor active campaigns in our administration module, have your agents receive and dial calls, access reports, have multi-channel interactions, and obtain 24/7 support.

Easy setup and usage, request a quote or schedule a live demo today!


12.) 
Orion Learning Services Inc.

Learning & Development
Learning & Development - For Remote Workers
Learning & Development for Remote Agents, Supervisors, Managers and Administration/Support Staff

Orion Learning is a global leader in providing accredited learning and development solutions for organizations globally. We offer call/contact center certification programs for Agents, Supervisors and Managers, business certifications and examinations for wide range of topics including project management, change management and service management, leadership soft skills and a full suite of assessment tools which can be used for recruitment, talent management, succession planning and coaching/mentoring. We deliver our solutions to global community and all of our solutions are delivered digitally.

13.) 
Vads

VADS Indonesia Remote Agent Solutions helps your company with various features that can make it easier for you and your company to stay productive, can be accessed anywhere because it uses cloud-based licenses so that it can help you and your business activities run smoothly.The features that keep your company activities running and productive.

14.) 
Teckinfo Solutions Pvt. Ltd.

InterDialog UCCS
InterDialog UCCS with its work from home agent ready call center software helps you to have complete control over your contact center operations. Agents can log in from any where , home, office or any other place where they are through their mobile phone or desktop , or even through our ID mobile app . With centralized recording & reporting , you gain visibility of all contact center metrics , and you can manage your center the same way as you were doing when working from office.
 



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