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Showing posts with label Solution. Show all posts
Showing posts with label Solution. Show all posts
Tuesday, October 16, 2012
Sunday, April 29, 2012
Working Capital: Solution To Cash-starved Growing Businesses
With the recession technically over (according to most analyst), many organizations are seeing slightly increase demand for their services. However many organizations find themselves in a peculiar situation, after streamlining their activities to survive the Great Recession, they are unable to meet increased demand from customers.
Financial institutions have tools, such as working capital programs to alleviate this situation. Cash starved, rapidly growing organizations have taken advantage of working capital programs for many years, in order to successfully balance cash-flow and business growth expenses. The following are three typical working capital programs:
Merchant Cash Advance: This device works on the simple premise of cash now for cash later. Financial institutions lend money to the business in a lump sum, based upon incoming credit card payments. A small portion of the credit card receivables is held onto as a form of collateral, and then is released as the principle is paid off.
Accounts Receivable Factoring: This form of working capital is very similar to the merchant cash advance mentioned above. However, instead of credit card payments, the financial institution uses the accounts receivable of the organization as a form of collateral. This is the main difference between the two. Usually this form of working capital is used by medium sized organizations that have larger accounts with firms that do more of their transactions on a receivable basis.
Purchase Order Financing: Primarily used by organizations that sell physical goods, this financial tool is particularly useful for large orders that strain an organization's capacity and cash-flow. Purchase order financing works in the following simplified way: 1) the financing company provides the money for the purchase order, ensuring the customer of goods gets all the goods from the manufacturing organization. 2) The goods customer then pays the financing company directly, bypassing the manufacturing organization. 3) The financing company then passes along all of the earnings, minus a financing fee, to the organization that created the goods.
While these are not the only three working capital programs used to aid growing organizations, these are three of the most commonly practiced versions. Never let another potential transaction slip through your fingers due to cash-flow or capacity restrictions!
- Brad Harmon, CLP
www.firststarcapital.com
Financial institutions have tools, such as working capital programs to alleviate this situation. Cash starved, rapidly growing organizations have taken advantage of working capital programs for many years, in order to successfully balance cash-flow and business growth expenses. The following are three typical working capital programs:
Merchant Cash Advance: This device works on the simple premise of cash now for cash later. Financial institutions lend money to the business in a lump sum, based upon incoming credit card payments. A small portion of the credit card receivables is held onto as a form of collateral, and then is released as the principle is paid off.
Accounts Receivable Factoring: This form of working capital is very similar to the merchant cash advance mentioned above. However, instead of credit card payments, the financial institution uses the accounts receivable of the organization as a form of collateral. This is the main difference between the two. Usually this form of working capital is used by medium sized organizations that have larger accounts with firms that do more of their transactions on a receivable basis.
Purchase Order Financing: Primarily used by organizations that sell physical goods, this financial tool is particularly useful for large orders that strain an organization's capacity and cash-flow. Purchase order financing works in the following simplified way: 1) the financing company provides the money for the purchase order, ensuring the customer of goods gets all the goods from the manufacturing organization. 2) The goods customer then pays the financing company directly, bypassing the manufacturing organization. 3) The financing company then passes along all of the earnings, minus a financing fee, to the organization that created the goods.
While these are not the only three working capital programs used to aid growing organizations, these are three of the most commonly practiced versions. Never let another potential transaction slip through your fingers due to cash-flow or capacity restrictions!
- Brad Harmon, CLP
www.firststarcapital.com
Monday, April 23, 2012
Nigerian Online Payment Solution
My Naija people, this is the solution that takes care of our online transaction needs.
It's called Graphcard. This product has been helping a lot of Nigerians to do legitimate business transactions online since 2004.
So you ask yourself, what can it do for me?
Graphcard acts as a means of payment for 1/3 (250 million) internet users in over 260 countries who don't have access to traditional credit cards. The market is projected to be one third of the world's 750 million internet users.
Graphcard enables Internet users to spend cash online. At least a third of Internet users around the world do not have access to the traditional credit cards to pay with. Also those who have credit cards but prefer to pay by cash can do so securely online.
Again, you ask yourself how does graphcard affect consumers?
The answer is simple:
Graphcard services lies "behind the merchant's buy button," the conversion of physical cash to electronic cash paid to merchants. This involves consumers funding their Graphcard account first before initiating payments to merchants
Below is a general summarization of the benefits of using this product which includes, but not limited to those listed below:
The Advantages of graphcard
1. Get prepaid card (debit card)
2. Shop online anonymously without a credit/debit card
3. Get a dedicated US address (virtual office)
4. Get a dedicated US phone number
5. Enables you to sell your goods/services online as a merchant/vendor
6. Enables you to receive payments securely for goods and services when you register as a vendor/merchant on the site.
7. Earn cash when you refer family and friends to use graphcard's services
8. Family and friends abroad can send you money via your graphcard account and you can withdraw it directly into your savings bank account here in Nigeria in naira or as dollars into your domiciliary account.
9. It's very easy and simple to open and own a graphcard account. Above all, it's FREE to create an account.
10. You can have both a personal account and a merchant account (if you decide to sell your goods/services on the site).
11. You can fund your graphcard account which is in dollars with Naira!
Now you ask me, how do I start using this product? It's quite simple actually, just:
1. Log onto the graphcard site.
2. Register for a personal or merchant account as per your need. Just follow through the easy registration process. After your account is created, you will be sent a confirmation email.
Please note also that you will automatically be registered with graphcard's Nigerian partners called VTN (Virtual Terminal Network). You will get an email notification from them as well. Log in to the VTN site with the temporary password and pin number that was generated for you and change your password and pin and also complete the registration process for that site. This is the home based e-commerce site here in Nigeria through which you can fund your graphcard.
This is how it works; you also will create a VTN account, load your VTN account with naira. Then log into your graphcard account and click on the add funds button. It will bring you to a page where you are asked if you are a Nigerian, click on the VTN button. Once you click on the VTN button, you will be asked to enter the amount in naira that you want to transfer to your Graphcard account. Follow the simple process and your naira is converted to dollars just like that. No long story.
You now have dollars in your Graphcard account to shop/transact business online with.
Cheers to your new found freedom online.
It's called Graphcard. This product has been helping a lot of Nigerians to do legitimate business transactions online since 2004.
So you ask yourself, what can it do for me?
Graphcard acts as a means of payment for 1/3 (250 million) internet users in over 260 countries who don't have access to traditional credit cards. The market is projected to be one third of the world's 750 million internet users.
Graphcard enables Internet users to spend cash online. At least a third of Internet users around the world do not have access to the traditional credit cards to pay with. Also those who have credit cards but prefer to pay by cash can do so securely online.
Again, you ask yourself how does graphcard affect consumers?
The answer is simple:
Graphcard services lies "behind the merchant's buy button," the conversion of physical cash to electronic cash paid to merchants. This involves consumers funding their Graphcard account first before initiating payments to merchants
Below is a general summarization of the benefits of using this product which includes, but not limited to those listed below:
The Advantages of graphcard
1. Get prepaid card (debit card)
2. Shop online anonymously without a credit/debit card
3. Get a dedicated US address (virtual office)
4. Get a dedicated US phone number
5. Enables you to sell your goods/services online as a merchant/vendor
6. Enables you to receive payments securely for goods and services when you register as a vendor/merchant on the site.
7. Earn cash when you refer family and friends to use graphcard's services
8. Family and friends abroad can send you money via your graphcard account and you can withdraw it directly into your savings bank account here in Nigeria in naira or as dollars into your domiciliary account.
9. It's very easy and simple to open and own a graphcard account. Above all, it's FREE to create an account.
10. You can have both a personal account and a merchant account (if you decide to sell your goods/services on the site).
11. You can fund your graphcard account which is in dollars with Naira!
Now you ask me, how do I start using this product? It's quite simple actually, just:
1. Log onto the graphcard site.
2. Register for a personal or merchant account as per your need. Just follow through the easy registration process. After your account is created, you will be sent a confirmation email.
Please note also that you will automatically be registered with graphcard's Nigerian partners called VTN (Virtual Terminal Network). You will get an email notification from them as well. Log in to the VTN site with the temporary password and pin number that was generated for you and change your password and pin and also complete the registration process for that site. This is the home based e-commerce site here in Nigeria through which you can fund your graphcard.
This is how it works; you also will create a VTN account, load your VTN account with naira. Then log into your graphcard account and click on the add funds button. It will bring you to a page where you are asked if you are a Nigerian, click on the VTN button. Once you click on the VTN button, you will be asked to enter the amount in naira that you want to transfer to your Graphcard account. Follow the simple process and your naira is converted to dollars just like that. No long story.
You now have dollars in your Graphcard account to shop/transact business online with.
Cheers to your new found freedom online.
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