The exclusion of such firms from some restrictions under the 2009 credit card reform legislation, including interest rate hikes, means issuers probably will try harder to woo owners. Credit card solicitations probably will be showing up with more regularity, again, in small-business owners’ mailboxes.

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     A new program expected to create jobs and help small businesses in Kentucky grow is set to  launch in January.     It’s called Kentucky Small Business Investment Credits.

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LEXINGTON, Ky. – Gov. Steve Beshear announced the Kentucky Small Business Investment Credit (KSBIC) program, part of the Governor’s Incentives for a New Kentucky (INK) legislation, will start accepting applications in January 2011.

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Small businesses have established themselves as the backbone of the economy in the United States. In fact, it is primarily through the hard work and innovation of small businesses that we have been able to survive through the recent economic turmoil. The struggling economy has not only affected consumers, but also small businesses, and many business owners are finding it increasingly difficult to get the funding that they need to sustain their businesses. In addition, getting a business loan has become extremely difficult and without the proper funding many small businesses will unfortunately have to close their doors.

Credit cards are one of the best ways for you to fund your business in these truly tough times. As a business owner, it is important that you look into which small business credit cards are best for your particular situation  So what are the best small business credit cards?

The best small business credit cards should have all of the following characteristics:

Low or Fixed Annual Percentage Rate – If you are buying a lot with your credit cards transferring large balances from one credit account to another, then you are going to want to make sure that your credit card has the best possible annual percentage rate or APR for purchases and balance transfers.

Access to Balance Transfers – If you are planning to transfer a high interest balance to your new credit card, you should look for a card that waives the balance transfer fee or offers a low APR on the balance transferred.  In any case, do the math and make sure that the fees associated with the transfer are something you can handle.

Introductory Offers – Cards that come with different offers for a period of 12 to 15 months can be extremely useful for small business owners. For example, if your card offers a 0% APR on your purchases for a period of 15 months, then you can buy all of the things that you need without having to worry about paying enormous interest rates before you have a chance to pay off the balance.  No annual fees, low or no interest on balance transfers and free employee cards are other examples of introductory offers that may fill a niche in your business needs.

Grace Period – Some small business credit cards also allow you to defer payments for a period of a few months. This can be extremely helpful when it comes to the cash flow challenges that small businesses common find themselves having to contend with.

The right business credit card can really make a difference in these difficult economic times.  And while finding the best small business credit cards may not be easy, as a business owner it’s important that you do what it takes to get your business the financing that it needs.  The country is counting on it

Small-business owners who provide health insurance for theiremployees may be eligible for a tax credit as part of the federalhealth-care legislation passed in March.

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Riviera Finance, a national invoice factoring company, continues to see signs of small business recovery in 2010.

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Acquiring business loans with bad credit is not easy. Money is the requirement of any venture. But it is also true that with bad credit might be very difficult to have cash in hand. Here have a look! With small business loan bad credit a person can easily avail the cash and fulfill the business needs on time.

People make every effort to avail the money for the business. It is a common thing to see that a businessman has a poor credit history. Ups and downs are a fundamental part of all big business. It does not mean that a person will not avail any loan in the future to invest in the business. Through these mortgages, borrowers can get money to fulfill various needs of the business like registration, payment of labor, getting raw materials, buying new machines, franchises, renting new sites, etc.

Here are some pre requisites which are as under:

•    Applicant must be the citizen of UK;
•    Applicant must attain the age of 18 years or above;
•    Applicant must possess a valid bank account in UK;
•    Applicant must have the repayment capability.

Here are some examples of these mortgages:

•    Arrears,
•    Bankruptcy,
•    IVA,
•    CCJs,
•    Missed payments,
•    Insolvency,
•    Foreclosures, etc.

Through small business loan bad credit, the borrower can get money either in secured or unsecured form. In unsecured form, the borrower does not have to pledge any assets so has to pay a higher rate of interest to the lender. Through the secured form of the finance, borrower will get a larger sum of money but only by pledging guarantee to the lender. This will allow a person to get a lower rate of interest against the loan amount.

The amount can be used for many purposes like for home improvements, debt consolidation, medical charges, hospital bills, credit card dues, room rent, etc. here the rate of interest is lower because of applicant pledge the collateral against the mortgage.

For Chloe Velasquez, what began as an exciting foray into starting her own North Side business in 1996 became slowly typified by the time-old tradition of robbing Peter to pay Paul. Now, with a steadfast desire to repay her debts, Ms. Velasquez is trying to rebuild her business, Sabio Springs bottled water, and might — just might — finish in the black this year.

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Are you a small business owner, looking for a great credit card? Do you want your credit card to give you the double benefit of providing vital business resources as well as the facility to earn cashback on their purchases? Look no further. Simply Cash from American Express will satisfy all your needs. A great credit card from the great American Express, Simply Cash from American express has host of other features including cashback and great business services. A look at them and you will be convinced that this credit card is for you. Discover it yourself from the points listed below:

Basic Features Highlights

* No annual fee.

* 0% introductory rate on purchases for the first twelve months.

* Low interest rates for balance transfers and purchases.

* 7.99% introductory rate on balance transfers for the life of the loan provided that the balance transfers are completed within the initial six months.

* Facility to carry a balance from month to month when it is necessary, else you can also pay your balance in full each month.

Reward Program Highlights

* The fabulous reward program of Simply Cash from American Express has the following features

* Minimum rebate of 1% on almost all purchases

* Maximum of 5% rebate on selected category of purchases

* Cashback with no limits

* Other rebates include a 5% rebate on purchases like automobile gasoline, equipment in office, wireless telephone services and other supplies.

Special OPEN (R) The small business network features

The OPEN(r) Small Business Network provides a good number of resources needed for small business to succeed and run efficiently. A brief overview of the services provided by OPEN(R) network are listed below:

* Open Savings: Saves you money on Delta, FedEx, Hertz, Hyatt hotels and resorts by using your business card.

* Online Account Management: Get a summary of your accounts, manage them, get expense management reports and track changes all online, securely.

* Small business community: Get help, ask questions, chat and interact with other small business owners

* Expert advice: Plenty of online tools, articles, insights and advice from experts in small business management. exchange information from other small business owners and experts.

In addition to the above benefits Simply Cash credit card gives you travel purchase protection, accident insurance, and special discounts from selected retail outlets. You can add as many Simply Cash credit card to your account without any fees, and can also give your employees the Simply Cash Business Cash. They can also use it to pay for qualified expenses, which in turn will earn you unlimited cashback. These features make Simply Cash an outstanding credit card for small business owners.

Weekly Small Business column by Rhonda Abrams

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