Russ Dalbey is the CEO and Founder of The Dalbey Wealth Institute. I think we have probably all seen his infomercials around 6 A.M. for his most popular program Winning in the Cash Flow Business. His big deal here is Cash Flow Notes 101.

This sort of a business could be a way to be involved in real estate in my opinion without a whole lot of risk. There is always some risk, especially with real estate.

Winning in the Cash Flow Business is actually one of those few programs we are always looking for to be what they promise to be. I have read countless positive reviews about Russ Dalbey and his Cash Flow Notes 101 system.

I am not involved with this system so I don’t care if you get involved or not. It is only my job to offer my findings to articles like this one on any program once it has been researched. I have no connection with Russ Dalbey or any of his material. Real Estate is not my thing.

One of the things I like to find is a company that responds to questions in a real personal manner. I mean I have heard that you can actual go into Russ’s office for personal training. Also as a student you have access to actual real experts in the cash flow notes business to work with you.

I think that you only make even the good programs work if your heart is truly in it. You really do need to love what your doing if want to be a true success, and yea you do need a solid program to follow.

Real estate ventures of any kind can be risk. I have tried most of the popular programs out there involving real estate and some of the not so popular ones. I will say again I think that this program could work but it does involve property and bank notes, attorneys and bank negotiators, all of which can be very complicated with little to no room for error, especially if you are just starting out.

We all want to be like Trump right? Well believe me he did not get there over night. I personally prefer to make my money in other business ventures first and then I can go after the real estate market. For Fun! After all I like to think of the real estate as being the goal that can follow the success. Any way those are just my opinions and personal goals.

If you are looking specifically for a real estate based program to be involved with I would recommend Russ Dalbey and The Winning in the Cash Flow Notes Business and Cash Flow Notes 101.



Thanks to Bill Tannar for contributing this article to our Factoring blog:

Instant Working Capital

 

A cash flow is considered essential as it provides an accurate picture of the business. Managing cash flow is a significant task as these can contribute in the smooth functioning of a business. Sometimes you do face situation when the cash flow in not good. To help you run your business smoothly in such situations you can avail cash flow loans. Cash flow loans are meant for people who are facing problems relating to their cash flows. These loans aim at providing urgent financial help to businessman for any of their business related needs.

 

A cash flow loan extends cash for the purpose of business operations and acquisitions. To attain these loans a company is required to present their cash flow statement. These cash flows play a major role in deciding the amount and terms that could be offered with the loan. This helps a borrower to attain cash in a very short period of time.

 

While opting for a cash flow loan, a borrower has an opportunity to choose from the two available options- secured and unsecured cash flow loans. If you have any valuable asset and are ready to offer it as collateral then you can opt for the secured cash flow loans. These loans allow you to avail a loan amount up to £25,000 for a period of 1 to 10 years with the advantage of lower interest rates. Whereas, the unsecured cash flow loans, do not require you to pledge any security. These loans offer its applicants a loan amount up to £15,000 with a repayment term of 3 to 7 years.

 

Cash flow loans are very beneficial for all your urgent needs. These loans help you to attain a loan amount for the purpose of buying machines, raw materials, paying your employees, paying off debts, making office improvements and business expansion. These loans can also be useful at the time of changes in business cycle or while the business demand changes.

 

Cash flow loans are short-term in nature. These loans allow business to make purchase that will appear as an asset on their balance sheet, and increase your company’s assets. Thus, cash flow loans are a good provision to raise working capital and pay off the debts.

 



Thanks to Angela Alderton for contributing this article to our Factoring blog:

Invoice Factoring Company

Can you believe it, cash flow problems is responsible for over 70% of business failure. This fact supports the common saying, ‘A healthy cash flow is the life blood of any business’. Cash flow is the movement of money within a business, both income and expenditure, and is the key for business survival and growth.

It is unfortunate that most experts don’t have their own businesses to experience the peril of poor cash flow. It is very daunting, I have experienced it and today can tell what would turn things around for a poor cash flow. Most entrepreneurs don’t understand that cash flow is not about the figures. It could be a million in and a million out yet that is a very poor cash flow. A healthy cash flow means a piece of the pie goes to your reserves.

You could be thinking harder now that you hardly have cash at hand than when you first started on your business. Now you find it difficult to acquire some stock, get petty cash for the little things or even forecast your business. Watch out, you could be on your way to failure. The disease is with your cash flow. Poor cash flow management leads to business downfall.

History has developed timeless tools to effectively manage cash flow. You may name these tools whatever you want, but they are all centered on proper record keeping. Proper records aid a lot in implementing all other financial and business tools. This could be credit and /or inventory control. I have detailed a FREE resourceful article that gives basics on cash flow management.



Thanks to Musawenkosi for contributing this article to our Factoring blog:

Asset Based Lending Funds

For your business to succeed even with a lot of credit clients, you will require a steady inflow of cash at regular intervals in order to meet your daily expenses and fund your expansion plans. This will especially be tough if you are a start-up business or if you are yet to break even in your business.

Most businesses would initially try and arrange a bank loan to tide over the cash-flow problem. But banks have rigid rules that require to be met. They also need sufficient collateral to safeguard their end in case you fail to pay back the loan. Your audited financial statements will also have to be submitted and if you are a start-up company or if you have not yet started registering profits, then you might as well kiss that loan goodbye. If you do manage to lay your hands on the loan, your joy could be short-lived since you will need to repay the loan along with interest in the form of monthly installments.

Another method of arranging finance is by tying up with a business factoring company. This method provides flexible financing since it does not require any collateral or repayment through installments. In this mode of financing, a business factoring company will ‘buy’ off your credit invoice from you. They will then proceed to wire you the invoice amount minus their factoring fee, which could be 1.5% to 5% of the invoice value. This percentage would depend on the credit period that you have extended to your clients, the credibility of your client as decided by the factoring company and the total value of business that you can provide to your factoring company. This essentially means that you get immediate cash even against your credit invoices.

This could right away improve your cash flow and could help you to meet your business expenses comfortably. You could pay your suppliers and employees on time, take on larger projects and even go in for bulk purchases in order to get a higher discount on your purchases. You could also expand your business without any financial restraints. Your reputation in your market might also get enhanced if you pay your suppliers on time. You would also have a choice in deciding the method of factoring. If you decide to go in for recourse factoring, then the responsibility of collecting the payment would lie with you.

However, if you decide to use the non-recourse arrangement with the factoring company, then the factoring company would assume the responsibility of collecting the payment from your clients. This feature could be very useful in freeing up your collection staff and they could then be diverted towards other duties. Thus, business factoring could not only provide you with instant cash against credit sales but could also free you from the burden of running after your clients for your payments. Since business factoring provides finance against your pending invoices, this process has the potential to grow along with your business.

Therefore, business factoring can prove to be a boon for your business since it provides you with ready cash when you need it the most, and that too without the hassles of lengthy repayment schedules. By utilizing the money sensibly, you can surely factor your way to success with business factoring.



Thanks to Kris Koonar for contributing this article to our Factoring blog:

Factoring Software

A cash flow statement is a financial statement that shows the income and expenditures of a company for a specific period of time. Companies regularly prepare these statements on a quarterly basis although there are some that put out an annual report for their stockholders. As a holder of common stock on a company it is important that you have an understanding of the cash flow statement to determine whether or not the company is making a profit. The changes that occur on such a statement include a balance sheet, income accounts, a list of assets that could be converted to cash or its equivalent and break down the analysis into three areas: operating, investing and financing. The amount of cash flow a company has will give you a good idea of how well-equipped the company is in its ability to pay its debts.

 

The balance sheet of a cash flow statement is a bird’s eye view of a company’s financial resources and its liabilities at any given time. The income statement gives the details of the company’s sales or the income generated from its operation. These two facets of the statement are the basis of the accounting system of the company. You will not only see income and expense transactions on such a statement, but you will also see transactions that may or may not be reflected in cash values, such as write-offs in bad debts and depreciation of the assets, such as for the building and the equipment.

 

There are four main purposes for a statement of cash flow:

 

- To provide stockholders and others with information about the company’s liquidity and solvency and its ability to continue its operations.

 

- To provide information about changes in the assets and equity

 

- To improve the ability to compare its operation and performance with that of similar companies

 

- To give an idea of what future cash flow will look like

 

The divisions of a cash flow statement are: operating activities, investing activities and financing activities. It is important to be able to understand what each of these elements of the statement tell you about the company. Some of the things you will see included in each of these sections are:

 

- Operating Activities.

 

* Sales receipts

 

* Interest received on loans

 

* Dividends received on equity securities

 

* Payments to suppliers

 

* Payments to employees

 

* Tax payments

 

* Interest paid on loans

 

* Depreciation

 

* Deferred tax payments

 

* Mortgage payments

 

* Profit of loss from the sale of assets

 

- Investing Activities

 

* Collections on loan principals

 

* Investment returns

 

* Receipts from the sale of real estate or equipment

 

* Expenses associated with purchasing real estate or equipment

 

* Loans

 

* Expenses for purchase of other firms’ equity interests

 

- Investing Activities

 

* Proceeds from issuing shares

 

* Proceeds from issuing short or long term loans

 

* Payment of dividends to stockholders

 

* Payment for buying back company shares from stockholders

 

* Repayment of debts

 

* Receipts of charitable donations



Thanks to Ling Tong for contributing this article to our Factoring blog:

Non Recourse Factoring