Credit Card Services for Business Merchants

If you own a business, whether large or small, you know the necessity of credit card processing for a successful sale. For products and services sold online, by mail or phone, or in person at a retail location, you need the most up to date credit card merchant services available. Internet savvy customers and people in this fast paced modern world do not like to be kept waiting. They also expect a flexible spending option like credit cards to be available anywhere they shop.

Most businesses with an online presence, or a website, require a way to gain online credit card approval. With this function, you can sell goods and services from your website. The credit card processing allows you to accept any charge payment from customers with online credit card approval. Some people are intimidated by this process, but with the simple online merchant services available on the internet, the success of your credit card business can be simple and hassle free.

Where to find credit card merchant services

When looking for someone to assist you in setting up credit card processing, start online by entering a search term that relates to your business needs. For instance, if you are a small business owner, you might enter something like credit card processing. But if you have an online presence for your business in the form of a website, you would need to search for online credit card approval. For all your credit card needs, search for credit card merchant services, and you will get an extensive list of resources.

Which service is right for you

After you have some search results, visit several different sites, even if they seem to offer the same services. You need to compare the options, prices, and customer services offered. One of the most important things to look for right away is how much you have to pay on a monthly basis to keep your credit card processing up and running. Most sites will represent their fees as fairly straight forward, but several companies charge hidden fees that can inflate your bill and put a kink in your operation. Keep an eye out for notices about late fees, a quota of credit card processing per month, and other limitations that could conflict with your needs. Also note what the company will charge you if you violate the terms of service. Remember that business can sometimes be unpredictable. If you get in a bad spot financially, you do not want your credit card merchant services to drag you down even further with high penalties or cancellation of service if you fail to meet a quota.

Also look for the extras that each service offers. For example, if you are processing credit cards on your website, you will need a built in way to accept card payments. This usually takes the form of a shopping cart that is written into your html code. The ideal merchant service will give you step by step instructions on how to set up your online shopping cart.

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Logo Design Tips – Small Businesses

When you intend to do something, if you don’t know the ins and outs of it, then the chances are that you won’t be able to get quality stuff. Also, the chances of getting defrauded increase significantly. But, the problem is that you can’t become an expert in each and every field in this world. Hence, what you need to do is to acquire the expertise of a reliable and experienced person or company. Now, the same thing can be applied to the design industry. When you are willing to create a logo design for your business, then you need to know who to hire and what to look for to ensure that you get more for your money and that you don’t end up losing your money.

So, let’s discuss some important things that you should do and look for to ensure that you create your brand identity / logo design in an influential way.

Hire a Professional Designer: This is something extremely important. Will you ever hire an unprofessional to fix your roof or ceiling? No, you will never take the risk, because you don’t want your ceiling to collapse. So, if you take the risk of hiring an unprofessional designer, then the chances will increase that sooner or later your business will collapse due to its cheap image and identity. Don’t just go and hire a graphic designer. Make sure that you actually hire a professional logo designer with vast experience in creating logos for small businesses.

Get Many Logo Design Concepts: Once you feel interested in hiring a designer or company, you need to first check their packages. It is advisable to get a package with several concepts. This will assist you in making a decision easily and conveniently. As it is important to create your business image effectively, having several concepts will enable you to mix different ideas that you will get through different concepts. So, never go for 1 concept. Always ask more several concepts.

Get Unlimited Revisions: It is not really possible to get the logo done in the first attempt. So, it is advisable to tell your designer to give you unlimited revisions. A lot of companies and designers will give you a limited number of revisions. Don’t be fooled by that, because after they provide you with the set number of revisions and if you are not satisfied, then you will lose your money. So, go for a logo design company that offers unlimited revisions with their packages.

Free Stuff: Sooner or later you will be needing stationery for your business. A lot of logo design companies offer free stationery designs with some of their logo design packages. It is advisable to get them now, because later you will end up paying more for them. So, look for an affordable logo design package that also offers free stationery designs. This will include: Business Card Design, Letterhead Design and Envelope Design. All these things are important for businesses and if you can get them for free then there is nothing better than that.

7 Tips For Selecting the Best Small Business Brokers to Sell Your Business

Are you thinking about selling your business? Have you ever gone through the process before? Are you confidant that you can do it yourself? Where would your time be better spent, running your business at peak performance while trying to sell it, or focused on the advertising campaign, networking, negotiating, and coordinating the closure of the sale of your business? Maybe you should consider doing what you do best, running the business, and search out small business brokers and let them do what they do best, sell businesses. If you go that route, here are 7 tips to choosing a business broker that makes sense for you.

1. Don’t get lost in the shuffle

You want your broker to have a proven record and a great reputation but you don’t want the organization to be so big that your deal is passed off to a junior staffer. You want the active involvement of the principals.

2. Do your due diligence

You’re about to engage the services of someone that is going to have a big impact on your financial life. Make sure you are comfortable with the relationship. Check with the International Business Brokers Association and see if your broker is a member in good standing. Follow up on the references provided and determine just how satisfied past clients are. Check with your local better business bureau and see if there are any unresolved complaints.

3. Use a specialist

Real estate agents and other professionals sometimes hold themselves out as business brokers on a part time basis. You want someone who makes their entire living selling businesses full time. Preferably somebody who has experience in your particular industry and someone who can point to successful sales they have made for your competitors.

4. Avoid heavy up front fee structures

Typically a business broker will charge between 10% and 15% of the sale price as a fee. While it is customary for them to ask for some up front fees to initiate the process, avoid those brokers who are looking for greater than a third. Also make sure that the up front fee is deductible from the sales fee when the business sells. Following this advice will save you from having to invest a ton of cash before you actually sell the business.

5. Only contract for the business selling services

Smaller business brokers will offer accounting and legal services that you will need during closing for an additional fee and these services are typically outsourced by the broker. It may be to your advantage to contract for those services directly leaving the broker with only the requirement to focus on the selling process and not generating add on fees.

6. Share your expectations

Before you select a broker you should have at least a general idea of what you want to accomplish by selling your business. You should have a rough valuation number and you should know if you want a cash sale or stock. Share this with the broker and see if he agrees with your plan. While there probably will be differences in valuation, your broker should be in tune with the rest of your objectives. If he’s reluctant or believes that it will be difficult to achieve your goals, find another broker.

7. Keep the whole process confidential

The last thing you want to do is let the word that you are seeking a business broker or that you are in negotiations with a buyer leak out. Once it becomes common knowledge that you are selling, your relationships with your employees, customers, vendors and bankers could be adversely affected. Have an exit plan for after the sale that includes sharing the news with all those listed above.

Using business brokers to help sell a business is usually the smart route to take for any business of substance. You want your organization to have as much “curb appeal” as possible during the process and that means you should be focusing your time on optimizing the business not chasing down buyers.

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