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Guidant Financial Articles

An Intro to Small Business Financing

February 01, 2016 by Guidant Financial

Shark Tank’s Daymond John on How to Be a Successful Entrepreneur

June 29, 2015 by Guidant Financial

In a recent event co-hosted by Guidant Financial, ‘Shark Tank’ investor Daymond John revealed the crucial entrepreneurial lessons that have led to his ultimate success. Here are our top four takeaways every aspiring entrepreneur needs to know.

Values in Business: What do you stand for?

June 09, 2015 by Guidant Financial

Dina Dwyer-Owens, co-chair of The Dwyer Group, reveals how instilling values into a business can drive emotional and monetary growth, and the importance of creating a place where people want to work.

Industry Report: Frozen Yogurt Stores [Infographic]

June 02, 2015 by Guidant Financial

Around 2005, the frozen yogurt industry began to evolve when tart-flavored froyo was introduced and the self-serve model was created. Frozen yogurt stores and franchise concepts began popping up all over the U.S., hundreds of new flavors were born, and a new national pastime took root. Here are a few of the overarching factors that have led to this uphill trend and a look at the future of frozen yogurt.

Motherhood and Business Ownership: Having It All

May 08, 2015 by Guidant Financial

There’s never been a better time to be a woman in business. There are 9.1 million women business owners in America, and according to the National Association of Women Business Ownership, they’re raking is more than $1.4 trillion in revenue. What’s more, those female-owned businesses are overshadowing companies owned by men in terms of success rates and employment rates. It should come as no surprise that a growing number of those women in business are also mothers, juggling responsibilities at home with nurturing their businesses.

What’s in a Small Business Credit Score?

April 23, 2015 by Guidant Financial

Mike Rozman, Co-president and Chief Strategy Officer of BoeFly, offers his insights on small business credit scores and their impact on small business financing.

Financing a Restaurant Franchise

April 21, 2015 by Guidant Financial

The average American adult buys a meal or snack from a restaurant 5.8 times per week, and restaurant industry sales are projected at $709 billion in 2015. With stats like these, it’s no wonder the restaurant business is appealing to so many entrepreneurs. Restaurant franchising in particular has become a popular method for individuals to fulfill dreams of business ownership without starting a concept from scratch, but financing a restaurant franchise does have some unique differences.

5 Questions to Ask Yourself Before Buying a Franchise

April 09, 2015 by Guidant Financial

Written by Todd Bingham, President of FranNet, here are five questions you should ask yourself before buying a franchise to find the business opportunity that aligns with your needs and wants.

Leveraging Retirement Funds as an Alternative to Small Business Financing

March 02, 2015 by Guidant Financial

As the economy improves and small business optimism continues to inch toward pre-recession levels, many are taking advantage of the idyllic environment to enter the world of entrepreneurship. But despite the recent economical enhancements, gaining access to capital for startups still presents challenges, with small business loans under $1 million dragging 17 percent behind pre-2008 heights. The obstacles in obtaining small business loans have paved the way for alternative methods of financing to gain traction, one of them being Rollovers…

Your Small Business Financing Timeline

February 20, 2015 by Guidant Financial

They say timing is everything, and nowhere is that phrase truer than in the world of small business — especially when it comes to business financing. If you’re relying on some type of funding to get your business off the ground, your opening date is completely dependent on when you’re able to secure start-up capital. So before you commit to a deadline, make sure your expectations are realistic by understanding the small business financing timeline. Below is a graph showing the…

Rollovers as Business Start-ups vs. Self-directed IRAs

February 05, 2015 by Guidant Financial

If you search the Internet for ways to invest an IRA or 401(k) into a small business or franchise, you’ll find two arrangements that can make it possible: Self-directed IRAs Rollovers as Business Start-ups (ROBS) Both allow for an individual to invest up to 100 percent of their existing retirement assets into a business or franchise – but – under very different circumstances. Self-directed IRAs Self-directed IRAs are passive investment vehicles. Under Internal Revenue Code 4975 (c)(1)(A-F) — also known…

Cost Analysis: Which business financing option is right for you?

January 21, 2015 by Guidant Financial

If you’re starting a small business, one of the first lessons you’ll learn is that it takes money to make money. A business is an investment, and if you hope to generate a profit, you’ll have to deploy capital (whether big or small) upfront to get your venture off the ground. There are a variety of funding options to help entrepreneurs secure their capital needs, from 401(k) business financing (also known as Rollovers for Business Start-ups) to portfolio loans. But…

Increase Cash Flow with Combined Business Financing

January 08, 2015 by Guidant Financial

When it comes to small business financing, many mistakenly believe it’s a “pick one and done” kind of deal. However, in many cases, using multiple methods to reach your desired capital amount is possible and preferable. Not only can mixing and matching create a customized financing plan that’s perfectly molded to your needs, but it can save you money. One of the most beneficial ways to combine financing methods is to use 401(k) business financing (formally called Rollovers as Business…

The Entrepreneur’s Checklist

December 30, 2014 by Guidant Financial

Starting a business is no easy task. After you’ve resolved to leap into entrepreneurship, a slew of other decisions await you. What type of business will you start? Where will it be located? When will you hire employees? How will you finance the venture? To help make the journey to entrepreneurship a little more palatable, here are three of the most important first steps you should take: Step 1: Pre-qualify for small business financing. Buying a business is similar to…

Unsecured Loans: Obtaining Small Business Financing Without Collateral

December 01, 2014 by Mitchell Larsen

When applying for small business financing, personal collateral usually comes with the territory. Lenders look for some type of possession to back the loan in case of default, like your property, car, home, etc. But risking your own assets can be worrisome, especially when you’re investing in a new venture. For business owners seeking financing without risking collateral, unsecured loans can be a good option. Similar to credit cards, this funding method consists of multiple lines of revolving credit that…

Why You Should Start Your Business Debt-Free

December 01, 2014 by Mitchell Larsen

Many entrepreneurs dream of being able to start their businesses without having to take on loans or other forms of debt. However, most don’t have such large amounts of cash at hand, so they resort to loans, max out credit cards and borrow monies from friends and family to finance their new venture. But you may have more money at your disposal than you think. If you have a 401(k), IRA or other eligible retirement account, you could use up…