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small business line of credit 2018 | ValueOneThe 2008 financial crisis tightened restrictions on how banks could execute lending decisions. This left small business owners with limited options to satisfy their financial needs. 

The gap in the lending market was quickly filled by online and alternative lenders. While it created access to loans and lines of credit for small businesses, the industry can be confusing and complex.  

With so many uncertainties, it’s important for small business owners to understand their financial health and what resources they can access. A lack of transparency in the small business lending market has made it difficult for borrowers to establish trust.  

The following four trends have shaped the small business lending industry over the last few months and will only continue in 2018. By knowing what’s out there, small business owners can make the best decision for their company’s interests. 

1. An Emphasis on Transparency

Lenders are moving away from advanced, convoluted financial vernacular in favor of easily understood communication. This trend, along with providing transparent terms and financing calculations, helps business owners feel confident in their lending options.  

2. More Choices Than Ever

While traditional brick-and-mortar banks remain a main source for financing, there are numerous online lenders available. Many people prefer to search for options online first, which is a major benefit for alternative lenders. As a result, banks and other lenders have pushed for a greater online presence by putting their applications online. 

With alternative lenders, the time it takes between application, decision, and distribution of funds is greatly decreased. In some instances, decisions can be made same-day, and funding can be allocated in as little as 24-48 hours.  

The increase in online lenders is ultimately to the benefit of small business owners. Entrepreneurs can get online, do a search, and identify the best rates and terms for their specific lending needs.  

3. Credit Still Matters

Even in the alternative lending space, a great credit score still pays off. This applies to both personal and business credit scores.  

Taking steps to improve your credit can help your business secure better lending terms and rates. If your business’s credit score is healthy, it can also help you negotiate better payment terms with your vendors and suppliers.  

You should be as savvy with your business’s finances as you are with your personal ones. This means that along with checking your personal credit, you should pull your business credit report as well. It represents your business’s reliability as a borrow, and could greatly influence your lending options.   

4. Lender Partnerships

The last few years have seen an increase in the number of bank and online lender partnerships. While many view the two entities as natural competitors, there are advantages to working together. Online lenders offer speed, better user experience, and flexibility. Banks, on the other hand, have a personal touch, low cost of capital, and a large customer base.  

Two notable examples are the partnerships between Regions Bank and Fundition or JP Morgan Chase and OnDeck. When Regions Bank partnered with Fundation, it leveraged their technological components to offer a fully digital application for customers. OnDeck’s technology merged with JP’s Morgan’s bank deposit data, which created automated underwriting for small business borrowers.  

As partnerships between banks and online lenders continue to form, small business owners will reap the benefits. Financing options will be available more quickly and with greater flexibility. The bank’s lending power will lower the interest rates on financing options.  

Financing for Your Small Business 

Having ready access to financing, whether it’s a loan, line of credit, or something else, is critical for businesses of all sizes. However, identifying which products are best for you needs is a time-consuming process that takes a lot of research.  

ValueOne is there to help you secure the funds your company needs to grow and thrive. All you need to do is fill out one form or make one phone call to get pre-qualified for a range of options that are tailor-fit to your company.  

Talk to our expert team of advisors about your funding needs. Contact ValueOne or call 1-855-960-5315 today.  

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4 Small Business Lending Trends for 2018

small business line of credit 2018 | ValueOneThe 2008 financial crisis tightened restrictions on how banks could execute lending decisions. This left small business owners with limited options to satisfy their financial needs. 

The gap in the lending market was quickly filled by online and alternative lenders. While it created access to loans and lines of credit for small businesses, the industry can be confusing and complex.  

With so many uncertainties, it’s important for small business owners to understand their financial health and what resources they can access. A lack of transparency in the small business lending market has made it difficult for borrowers to establish trust.  

The following four trends have shaped the small business lending industry over the last few months and will only continue in 2018. By knowing what’s out there, small business owners can make the best decision for their company’s interests. 

1. An Emphasis on Transparency

Lenders are moving away from advanced, convoluted financial vernacular in favor of easily understood communication. This trend, along with providing transparent terms and financing calculations, helps business owners feel confident in their lending options.  

2. More Choices Than Ever

While traditional brick-and-mortar banks remain a main source for financing, there are numerous online lenders available. Many people prefer to search for options online first, which is a major benefit for alternative lenders. As a result, banks and other lenders have pushed for a greater online presence by putting their applications online. 

With alternative lenders, the time it takes between application, decision, and distribution of funds is greatly decreased. In some instances, decisions can be made same-day, and funding can be allocated in as little as 24-48 hours.  

The increase in online lenders is ultimately to the benefit of small business owners. Entrepreneurs can get online, do a search, and identify the best rates and terms for their specific lending needs.  

3. Credit Still Matters

Even in the alternative lending space, a great credit score still pays off. This applies to both personal and business credit scores.  

Taking steps to improve your credit can help your business secure better lending terms and rates. If your business’s credit score is healthy, it can also help you negotiate better payment terms with your vendors and suppliers.  

You should be as savvy with your business’s finances as you are with your personal ones. This means that along with checking your personal credit, you should pull your business credit report as well. It represents your business’s reliability as a borrow, and could greatly influence your lending options.   

4. Lender Partnerships

The last few years have seen an increase in the number of bank and online lender partnerships. While many view the two entities as natural competitors, there are advantages to working together. Online lenders offer speed, better user experience, and flexibility. Banks, on the other hand, have a personal touch, low cost of capital, and a large customer base.  

Two notable examples are the partnerships between Regions Bank and Fundition or JP Morgan Chase and OnDeck. When Regions Bank partnered with Fundation, it leveraged their technological components to offer a fully digital application for customers. OnDeck’s technology merged with JP’s Morgan’s bank deposit data, which created automated underwriting for small business borrowers.  

As partnerships between banks and online lenders continue to form, small business owners will reap the benefits. Financing options will be available more quickly and with greater flexibility. The bank’s lending power will lower the interest rates on financing options.  

Financing for Your Small Business 

Having ready access to financing, whether it’s a loan, line of credit, or something else, is critical for businesses of all sizes. However, identifying which products are best for you needs is a time-consuming process that takes a lot of research.  

ValueOne is there to help you secure the funds your company needs to grow and thrive. All you need to do is fill out one form or make one phone call to get pre-qualified for a range of options that are tailor-fit to your company.  

Talk to our expert team of advisors about your funding needs. Contact ValueOne or call 1-855-960-5315 today.  

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Blue Sign Reading Risk | ValueOneThere’s no magic formula for starting a small business. You have to do your research, have a plan, analyze financing options, and be able to adjust that plan when necessary. While there is no one-size-fits-all solution for entrepreneurs, there are a few startup mistakes to avoid.  

Read below to find out more, and don’t underestimate the value of small business consulting, which can help identify individual business’s challenges while working to create solutions.  

Avoid These Mistakes When Starting a Small Business 

Not Having a Plan

An effective business plan goes beyond ideas jotted down on the back of a napkin! When starting a small business, you need to know your business model, how your startup will make money, and how long it’ll be before you hit your break-even point. A written, concise business plan is also necessary for securing startup funding.  

Not Monitoring Your Cash Flow

It can be tempting to let the spreadsheets fall to the wayside when you’re busy with the more exciting parts of your business, but ignoring your cash flow can be a costly mistake. If you’re not careful, you’ll quickly realize that there’s more cash flowing out than flowing in. Accounting programs like QuickBooks make it easy to create and maintain documents to stay on top of your startup business finances. 

Not Taking Care of Legal Matters

Deciding between the various legal business structures isn’t always easy, but it’s necessary and will affect almost every aspect of your business, including the taxes you’ll pay and the type of funding you’ll be eligible for. Be sure you register your business, and trademark your business name and logo to avoid losing all of your hard work when another company takes the brand you’ve worked to build.  

Don’t Make These Mistakes When You Start Your Small Business 

Underpricing Your Services

It may be tempting to lowball your service prices to get your first customers, but you’re setting yourself up for failure. It’s better to price yourself competitively to similar businesses while highlighting what sets your business apart — setting you up to be able to charge more over time.  

Not Hiring Help

While it may seem cost effective to try and do it all yourself, you’re setting yourself up for burnout. Minimize the all-nighters by delegating tasks where you’re able to afford it. If you’re not at a place where you can hire full employees just yet, you can take advantage of contractors, freelancers, or temp agency services.  

Not Listening to Advice

Sometimes, you have to ignore the naysayers to make your startup dreams come true. However, it’s important to listen to sources like potential customers, small business consultants, and lenders, who can offer valuable advice that will help you avoid disastrous startup mistakes.  

ValueOne understands the challenges startup business owners face every day, which is why we strive to empower entrepreneurs with resources and guidance to help them grow their companies. Contact us or call 855 258-2571 today to speak to one of our business experts about what we can do to move your startup forward.  

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Small Business Startup Mistakes to Avoid

Blue Sign Reading Risk | ValueOneThere’s no magic formula for starting a small business. You have to do your research, have a plan, analyze financing options, and be able to adjust that plan when necessary. While there is no one-size-fits-all solution for entrepreneurs, there are a few startup mistakes to avoid.  

Read below to find out more, and don’t underestimate the value of small business consulting, which can help identify individual business’s challenges while working to create solutions.  

Avoid These Mistakes When Starting a Small Business 

Not Having a Plan

An effective business plan goes beyond ideas jotted down on the back of a napkin! When starting a small business, you need to know your business model, how your startup will make money, and how long it’ll be before you hit your break-even point. A written, concise business plan is also necessary for securing startup funding.  

Not Monitoring Your Cash Flow

It can be tempting to let the spreadsheets fall to the wayside when you’re busy with the more exciting parts of your business, but ignoring your cash flow can be a costly mistake. If you’re not careful, you’ll quickly realize that there’s more cash flowing out than flowing in. Accounting programs like QuickBooks make it easy to create and maintain documents to stay on top of your startup business finances. 

Not Taking Care of Legal Matters

Deciding between the various legal business structures isn’t always easy, but it’s necessary and will affect almost every aspect of your business, including the taxes you’ll pay and the type of funding you’ll be eligible for. Be sure you register your business, and trademark your business name and logo to avoid losing all of your hard work when another company takes the brand you’ve worked to build.  

Don’t Make These Mistakes When You Start Your Small Business 

Underpricing Your Services

It may be tempting to lowball your service prices to get your first customers, but you’re setting yourself up for failure. It’s better to price yourself competitively to similar businesses while highlighting what sets your business apart — setting you up to be able to charge more over time.  

Not Hiring Help

While it may seem cost effective to try and do it all yourself, you’re setting yourself up for burnout. Minimize the all-nighters by delegating tasks where you’re able to afford it. If you’re not at a place where you can hire full employees just yet, you can take advantage of contractors, freelancers, or temp agency services.  

Not Listening to Advice

Sometimes, you have to ignore the naysayers to make your startup dreams come true. However, it’s important to listen to sources like potential customers, small business consultants, and lenders, who can offer valuable advice that will help you avoid disastrous startup mistakes.  

ValueOne understands the challenges startup business owners face every day, which is why we strive to empower entrepreneurs with resources and guidance to help them grow their companies. Contact us or call 855 258-2571 today to speak to one of our business experts about what we can do to move your startup forward.  

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Women Meeting for Business | ValueOneOver the last 10-15 years, there’s been a surge of women-owned businesses. According to the 2016 State of Women-Owned Businesses Report, there are now more than 11.3 million businesses owned by women — about 38% of all businesses in the U.S. 

Although more and more women are going into business for themselves, they still face the same challenges in getting started; namely, navigating financing and securing capital. Fortunately, there are many small business services for woman-owned businesses

It wasn’t all that long ago that a woman wasn’t able to apply for a loan without a man to co-sign for her. This affected everything from what kind of loans women could apply for, their chances of approval, and the amount of loan they were reliable to receive. Today, women-owned businesses are found in every state and every industry, generating a collective $1.6 trillion in revenue and making their mark in the business world. 

Here are some sources of valuable information women can use to take the next step in their entrepreneurial journey.  

Resources for Female Entrepreneurs 

The Small Business Administration (SBA) 

True to their name, the SBA is dedicated to all small businesses, including those owned by women. Navigating small business services is no small feat, but the SBA’s free online resource center will educate and empower female business owners with online tutorials, live chat sessions, videos, and more. They also have 74 nationwide offices — see if one’s local to you by visiting their website. 

National Association of Women Business Owners (NAWBO) 

NAWBO represents the interests of women-owned businesses across all industries, providing support and resources to help women succeed and move to the next level in their entrepreneurial dreams. It also connects female business owners to a network of strong, like-minded women entrepreneurs. Membership and dues payment are required for some of the resources, but many are free to the public to use.  

Office of Women’s Business Ownership (OWBO) 

The Office of Women’s Business Ownership is a division of the SBA that oversees the Women’s Business Centers network, which assists women in starting and growing their business. OWBO and WBC provide female entrepreneurs, especially those who are socially or economically disadvantaged, comprehensive advising and instruction on a variety of topics.   

Personalized Solutions for Female Business Owners 

Access to small business funding solutions has improved over the years, but many women seeking to start a business struggle to secure the financial support they need to operate and grow. At ValueOne, we’re committed to changing that with personalized solutions tailor-made to your business’s specific needs.  

We’re dedicated to helping women entrepreneurs thrive, providing solutions for insurance, financing, and business products and services. To see how ValueOne can help you get the resources you need to start your business, contact us today at 855 258-2571.

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Resources for Women Starting a Business

Women Meeting for Business | ValueOneOver the last 10-15 years, there’s been a surge of women-owned businesses. According to the 2016 State of Women-Owned Businesses Report, there are now more than 11.3 million businesses owned by women — about 38% of all businesses in the U.S. 

Although more and more women are going into business for themselves, they still face the same challenges in getting started; namely, navigating financing and securing capital. Fortunately, there are many small business services for woman-owned businesses

It wasn’t all that long ago that a woman wasn’t able to apply for a loan without a man to co-sign for her. This affected everything from what kind of loans women could apply for, their chances of approval, and the amount of loan they were reliable to receive. Today, women-owned businesses are found in every state and every industry, generating a collective $1.6 trillion in revenue and making their mark in the business world. 

Here are some sources of valuable information women can use to take the next step in their entrepreneurial journey.  

Resources for Female Entrepreneurs 

The Small Business Administration (SBA) 

True to their name, the SBA is dedicated to all small businesses, including those owned by women. Navigating small business services is no small feat, but the SBA’s free online resource center will educate and empower female business owners with online tutorials, live chat sessions, videos, and more. They also have 74 nationwide offices — see if one’s local to you by visiting their website. 

National Association of Women Business Owners (NAWBO) 

NAWBO represents the interests of women-owned businesses across all industries, providing support and resources to help women succeed and move to the next level in their entrepreneurial dreams. It also connects female business owners to a network of strong, like-minded women entrepreneurs. Membership and dues payment are required for some of the resources, but many are free to the public to use.  

Office of Women’s Business Ownership (OWBO) 

The Office of Women’s Business Ownership is a division of the SBA that oversees the Women’s Business Centers network, which assists women in starting and growing their business. OWBO and WBC provide female entrepreneurs, especially those who are socially or economically disadvantaged, comprehensive advising and instruction on a variety of topics.   

Personalized Solutions for Female Business Owners 

Access to small business funding solutions has improved over the years, but many women seeking to start a business struggle to secure the financial support they need to operate and grow. At ValueOne, we’re committed to changing that with personalized solutions tailor-made to your business’s specific needs.  

We’re dedicated to helping women entrepreneurs thrive, providing solutions for insurance, financing, and business products and services. To see how ValueOne can help you get the resources you need to start your business, contact us today at 855 258-2571.

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Army Stenciled on a Wing Military Business | ValueOneAll over the world, U.S. military bases are home to a vibrant ecosystem of businesses that provide thousands of active duty personnel and their families with the goods and services they need. At home as well as abroad, military installations are dotted with restaurants, gas stations, grocery stores, and repair shops. 

Mingling with housing units, training facilities, and administrative offices, these businesses supply service members and their dependents with everyday necessities, while offering them some of the amenities and conveniences of civilian life.  

Because of the availability of small business resources for veterans, many of these on-base enterprises are owned and operated by men and women who once served in uniform themselves. This helps provide many veterans with much-needed job opportunities.  

Whether managed by civilians or former armed service personnel, running a military base business brings unique rewards and challenges. Here are some important factors that both current and prospective owners of military base businesses should consider. 

Military Exchanges Oversee On-Base Business Operations 

Across all branches, military personnel has access to many goods and services through their respective Exchanges: the Army and Air Force Exchange Service (AAFES), the Navy Exchange (NEX), and the Marine Corps Exchange (MCX).  

Most of the restaurants, service shops, and retail distributors located on military installations are operated by these Exchanges, ensuring that residents have low-cost options. Military Exchanges also invest a significant portion of their profits back into social service programs that benefit on-base communities.  
While Exchanges regulate the operation of both franchises and independent businesses on their respective bases, they’re supportive of small businesses and are often eager to partner with third-party vendors. Reaching out to an Exchange’s contracting office is the best way for prospective business owners to pursue operating on a military base. 

On-Base Businesses Are Subject to Military Regulations 

After receiving official approval to establish a business on a military base, business owners will need to pass a background check for security purposes. Since military bases occupy federal land, local laws and regulations may not apply, but businesses will still be subject to federal law as well as military policies. 

In most cases, business owners will have little control over the location that their business occupies on the base. Rather than investing in new construction, property is often repurposed for small business operations. This can help ease startup costs for new entrepreneurs, but it can also be limiting if owners are assigned a less-than-ideal location.  

Before signing any contracts, prospective vendors should try to determine what kind of property they will be occupying and how extensive their potential customer base will be. Even with the support of loyal customers, a limited clientele can undermine the success of a small business. 

Advantages to Operating Franchises on Military Bases 

Although military bases are open to partnering with independent businesses, they are often more favorable to prospective franchisees looking to bring familiar brands to their on-base communities. In recent years, major chains have capitalized on this partiality and focused much of their efforts on expanding onto military bases.  

For this reason, entrepreneurs looking to launch businesses on military installations should consider the benefits of operating under a well-known brand as a franchisee. Veterans have a particular advantage in this arena since many major chains offer franchise programs specifically designed for former service members. 

At ValueOne, we take pride in supporting the business endeavors of those who have served the U.S. in uniform. To learn more about the ways ValueOne can help entrepreneurial veterans succeed as military base business owners, contact us or give us call at 855 258-2571.What Military Base Business Owners Need to Know

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What Military Base Business Owners Need to Know

Army Stenciled on a Wing Military Business | ValueOneAll over the world, U.S. military bases are home to a vibrant ecosystem of businesses that provide thousands of active duty personnel and their families with the goods and services they need. At home as well as abroad, military installations are dotted with restaurants, gas stations, grocery stores, and repair shops. 

Mingling with housing units, training facilities, and administrative offices, these businesses supply service members and their dependents with everyday necessities, while offering them some of the amenities and conveniences of civilian life.  

Because of the availability of small business resources for veterans, many of these on-base enterprises are owned and operated by men and women who once served in uniform themselves. This helps provide many veterans with much-needed job opportunities.  

Whether managed by civilians or former armed service personnel, running a military base business brings unique rewards and challenges. Here are some important factors that both current and prospective owners of military base businesses should consider. 

Military Exchanges Oversee On-Base Business Operations 

Across all branches, military personnel has access to many goods and services through their respective Exchanges: the Army and Air Force Exchange Service (AAFES), the Navy Exchange (NEX), and the Marine Corps Exchange (MCX).  

Most of the restaurants, service shops, and retail distributors located on military installations are operated by these Exchanges, ensuring that residents have low-cost options. Military Exchanges also invest a significant portion of their profits back into social service programs that benefit on-base communities.  
While Exchanges regulate the operation of both franchises and independent businesses on their respective bases, they’re supportive of small businesses and are often eager to partner with third-party vendors. Reaching out to an Exchange’s contracting office is the best way for prospective business owners to pursue operating on a military base. 

On-Base Businesses Are Subject to Military Regulations 

After receiving official approval to establish a business on a military base, business owners will need to pass a background check for security purposes. Since military bases occupy federal land, local laws and regulations may not apply, but businesses will still be subject to federal law as well as military policies. 

In most cases, business owners will have little control over the location that their business occupies on the base. Rather than investing in new construction, property is often repurposed for small business operations. This can help ease startup costs for new entrepreneurs, but it can also be limiting if owners are assigned a less-than-ideal location.  

Before signing any contracts, prospective vendors should try to determine what kind of property they will be occupying and how extensive their potential customer base will be. Even with the support of loyal customers, a limited clientele can undermine the success of a small business. 

Advantages to Operating Franchises on Military Bases 

Although military bases are open to partnering with independent businesses, they are often more favorable to prospective franchisees looking to bring familiar brands to their on-base communities. In recent years, major chains have capitalized on this partiality and focused much of their efforts on expanding onto military bases.  

For this reason, entrepreneurs looking to launch businesses on military installations should consider the benefits of operating under a well-known brand as a franchisee. Veterans have a particular advantage in this arena since many major chains offer franchise programs specifically designed for former service members. 

At ValueOne, we take pride in supporting the business endeavors of those who have served the U.S. in uniform. To learn more about the ways ValueOne can help entrepreneurial veterans succeed as military base business owners, contact us or give us call at 855 258-2571.What Military Base Business Owners Need to Know

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Veteran with Flag Small Business Advice | ValueOneReturning to civilian life after having served in the United States Armed Forces carries its own unique challenges, as any military veteran can attest. But it also affords former service members the opportunity to apply the skills they developed during their enlistment in an entirely new context. 

Many of these skills make veterans particularly well-suited to the entrepreneurial life. To aid this transition, there’s no shortage of small business resources for vets, offering assistance with everything from writing a business plan and seeking financing, to hiring employees and managing operations. 

Veteran Tom Bernard recently offered OnDeck his take on the ways he’s translating his previous experience as a soldier in the US Army to his current role as a small business owner. Drawing on his insights as both a veteran and an entrepreneur, here are some suggestions on achieving success as a business owner. 

Essential Values for Long-Term Success as a Small Business Owner

The values that many military personnel cultivate throughout their time in uniform often serve them well in their efforts as entrepreneurs. Not least of these is an appreciation for the need to work hard and persevere through challenges, especially at the outset of an ambitious endeavor like launching a business. 

Veterans also know the importance of maintaining personal and professional integrity. Cutting corners or taking shortcuts in a military setting can have dire consequences. Even though the stakes are different in running a small business, veterans understand that investing the effort to follow through and perform with excellence will ultimately yield high returns. 

Whether they provide services or products in their new role as business owners, former military personnel recognize that putting forth high-quality work not only serves as its own reward, but also engenders the trust and loyalty of customers, which in turn sets the stage for a steady stream of revenue. 

People Make All the Difference in Entrepreneurship

Among the most valuable assets that veterans bring to their business ventures is the ability to assemble an effective team and delegate tasks among its members. As leaders both in and out of uniform, they understand that their success depends upon surrounding themselves with strategic talent and empowering team members to reach their full potential. 

Just as important as hiring skilled and reliable employees, finding the right financial partner is a critical step for military veterans wanting to realize their entrepreneurial goals. A lending partner can help small business owners access the resources they need to buy new equipment, purchase or produce inventory, expand staff, or launch a new location—and ultimately enlarge their earning capacity.  

Keep Your Eye on the Prize as a Small Business Owner

Those who’ve served in the Armed Forces are no strangers to taking risks. On the contrary, military life is prime training ground for learning how to assess risk, take decisive action, and quickly adapt to new challenges as they arise. This makes veterans ideal candidates for facing the ups and downs of life as an entrepreneur. 

The territory of small business ownership requires courage in the face of uncertain outcomes and the ability to keep moving forward while learning from mistakes. Although setbacks are inevitable, having clear short-term and long-term goals can help business owners maintain the focus and fortitude to persevere. 

At ValueOne, we’re committed to connecting veterans with the resources they need to start and grow a thriving small business. Whether you’re looking for tailored financing solutions or insurance coverage to protect your investment, ValueOne is here for you. 

Call us at 855-258-2571 to find out how ValueOne can help veterans take on the challenge of becoming entrepreneurs and realizing their dreams of small business ownership. 

Special thanks to OnDeck for their contribution to this article.

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Small Business Tips from a Veteran

Veteran with Flag Small Business Advice | ValueOneReturning to civilian life after having served in the United States Armed Forces carries its own unique challenges, as any military veteran can attest. But it also affords former service members the opportunity to apply the skills they developed during their enlistment in an entirely new context. 

Many of these skills make veterans particularly well-suited to the entrepreneurial life. To aid this transition, there’s no shortage of small business resources for vets, offering assistance with everything from writing a business plan and seeking financing, to hiring employees and managing operations. 

Veteran Tom Bernard recently offered OnDeck his take on the ways he’s translating his previous experience as a soldier in the US Army to his current role as a small business owner. Drawing on his insights as both a veteran and an entrepreneur, here are some suggestions on achieving success as a business owner. 

Essential Values for Long-Term Success as a Small Business Owner

The values that many military personnel cultivate throughout their time in uniform often serve them well in their efforts as entrepreneurs. Not least of these is an appreciation for the need to work hard and persevere through challenges, especially at the outset of an ambitious endeavor like launching a business. 

Veterans also know the importance of maintaining personal and professional integrity. Cutting corners or taking shortcuts in a military setting can have dire consequences. Even though the stakes are different in running a small business, veterans understand that investing the effort to follow through and perform with excellence will ultimately yield high returns. 

Whether they provide services or products in their new role as business owners, former military personnel recognize that putting forth high-quality work not only serves as its own reward, but also engenders the trust and loyalty of customers, which in turn sets the stage for a steady stream of revenue. 

People Make All the Difference in Entrepreneurship

Among the most valuable assets that veterans bring to their business ventures is the ability to assemble an effective team and delegate tasks among its members. As leaders both in and out of uniform, they understand that their success depends upon surrounding themselves with strategic talent and empowering team members to reach their full potential. 

Just as important as hiring skilled and reliable employees, finding the right financial partner is a critical step for military veterans wanting to realize their entrepreneurial goals. A lending partner can help small business owners access the resources they need to buy new equipment, purchase or produce inventory, expand staff, or launch a new location—and ultimately enlarge their earning capacity.  

Keep Your Eye on the Prize as a Small Business Owner

Those who’ve served in the Armed Forces are no strangers to taking risks. On the contrary, military life is prime training ground for learning how to assess risk, take decisive action, and quickly adapt to new challenges as they arise. This makes veterans ideal candidates for facing the ups and downs of life as an entrepreneur. 

The territory of small business ownership requires courage in the face of uncertain outcomes and the ability to keep moving forward while learning from mistakes. Although setbacks are inevitable, having clear short-term and long-term goals can help business owners maintain the focus and fortitude to persevere. 

At ValueOne, we’re committed to connecting veterans with the resources they need to start and grow a thriving small business. Whether you’re looking for tailored financing solutions or insurance coverage to protect your investment, ValueOne is here for you. 

Call us at 855-258-2571 to find out how ValueOne can help veterans take on the challenge of becoming entrepreneurs and realizing their dreams of small business ownership. 

Special thanks to OnDeck for their contribution to this article.

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Man At A Starting Line | ValueOneIf you’ve been thinking about starting your own business, you’re not alone. Nearly one in three American adults launched a business in 2015, resulting in more than half a million new business owners every month that year. And that trend doesn’t appear to be slowing down.

While small business ownership is increasing, the entrepreneurial journey isn’t without inherent risks. Thankfully, you can mitigate some of these risks through small business consulting. Tapping into the collective knowledge base of entrepreneurial experts allows you to make the best financial decisions for your emerging enterprise while discovering the advantages to owning your own business.

Owning a Business Brings Increased Earning Capacity

Despite the risks, the potential benefits of embarking upon a new business endeavor abound. Although launching a new small business requires a considerable commitment of time, energy, and resources on the front end, it also carries the capacity for producing substantial returns on that investment over time.

Becoming your own boss puts you in the driver’s seat of your career, allowing you to shape your work life around the needs of your family and your personal income requirements. When entrepreneurs are supported by a reliable infrastructure of social capital, business savvy, and the will to hustle, they have the ability to generate an income that far surpasses the earnings they would otherwise take home as employees.

Capitalize on Unexpected Opportunities as an Entrepreneur

Working for someone else could prevent you from seizing lucrative opportunities that happen to come your way. In some instances, pursuing certain professional opportunities may be unethical or even illegal, particularly if they arise as a direct result of your job or via your company’s professional network.

Even if a fortuitous circumstance doesn’t present a conflict of interest or violate a non-compete agreement, the responsibilities of your job may not leave you with the time or flexibility to pursue other opportunities that cross your path. However, as a self-employed free agent, you would have the prerogative to decide whether or not to take advantage of such opportunities.

Flexible Retirement and Legacy Options for Small Business Owners

In addition to enjoying the freedom to set your own wage, operating your own business also offers you the latitude to create a custom retirement savings plan structured around your individual needs and goals—particularly if you are your company’s sole employee.

And when the time comes, whether you opt for working into retirement or handing over both reins to your successor, as the business owner you’re afforded the liberty to bow out whenever and however you choose, rather than waiting for an employer to make the decision for you.

Ultimately, your small business can also serve as an efficient method for passing on your assets to your heirs, either in the form of wealth to be liquidated if the company is sold or as a tool for generating additional revenue if the business is retained.

Get Started on Your Dream Today

While entrepreneurship and traditional employment each have advantages, striking out on your own can open up a myriad of options for growing wealth and scaling new heights on your professional journey.

But you don’t have to go it alone. ValueOne is here to guide you and connect you with the financial resources and business services you need to build a successful business. To find out more, contact ValueOne today at 855-258-2571.

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Reasons to Start Your Own Business

Man At A Starting Line | ValueOneIf you’ve been thinking about starting your own business, you’re not alone. Nearly one in three American adults launched a business in 2015, resulting in more than half a million new business owners every month that year. And that trend doesn’t appear to be slowing down.

While small business ownership is increasing, the entrepreneurial journey isn’t without inherent risks. Thankfully, you can mitigate some of these risks through small business consulting. Tapping into the collective knowledge base of entrepreneurial experts allows you to make the best financial decisions for your emerging enterprise while discovering the advantages to owning your own business.

Owning a Business Brings Increased Earning Capacity

Despite the risks, the potential benefits of embarking upon a new business endeavor abound. Although launching a new small business requires a considerable commitment of time, energy, and resources on the front end, it also carries the capacity for producing substantial returns on that investment over time.

Becoming your own boss puts you in the driver’s seat of your career, allowing you to shape your work life around the needs of your family and your personal income requirements. When entrepreneurs are supported by a reliable infrastructure of social capital, business savvy, and the will to hustle, they have the ability to generate an income that far surpasses the earnings they would otherwise take home as employees.

Capitalize on Unexpected Opportunities as an Entrepreneur

Working for someone else could prevent you from seizing lucrative opportunities that happen to come your way. In some instances, pursuing certain professional opportunities may be unethical or even illegal, particularly if they arise as a direct result of your job or via your company’s professional network.

Even if a fortuitous circumstance doesn’t present a conflict of interest or violate a non-compete agreement, the responsibilities of your job may not leave you with the time or flexibility to pursue other opportunities that cross your path. However, as a self-employed free agent, you would have the prerogative to decide whether or not to take advantage of such opportunities.

Flexible Retirement and Legacy Options for Small Business Owners

In addition to enjoying the freedom to set your own wage, operating your own business also offers you the latitude to create a custom retirement savings plan structured around your individual needs and goals—particularly if you are your company’s sole employee.

And when the time comes, whether you opt for working into retirement or handing over both reins to your successor, as the business owner you’re afforded the liberty to bow out whenever and however you choose, rather than waiting for an employer to make the decision for you.

Ultimately, your small business can also serve as an efficient method for passing on your assets to your heirs, either in the form of wealth to be liquidated if the company is sold or as a tool for generating additional revenue if the business is retained.

Get Started on Your Dream Today

While entrepreneurship and traditional employment each have advantages, striking out on your own can open up a myriad of options for growing wealth and scaling new heights on your professional journey.

But you don’t have to go it alone. ValueOne is here to guide you and connect you with the financial resources and business services you need to build a successful business. To find out more, contact ValueOne today at 855-258-2571.

Post Format:
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    [post_date] => 2016-09-22 10:31:11
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It wasn’t long ago that a woman could not apply for a business loan without having a male co-signer. This put heavy restraints on women business owners, specifically in terms of what kind of loans they could apply for, how likely they were to get approved, and the amount of the loan that they would have been approved for.  

But women have made immense progress over the last few decades, gaining significant ground in the area of business entrepreneurship. With the help of small business services for woman-owned companies, these women made themselves heard and paved the way for the millions of women to take their dreams into their own hands and make them a reality. Now female entrepreneurs are reshaping the landscape of the American workforce.

Entrepreneurship: The Quiet Revolution for Women in Business

The Women’s Movement of the 1960s and 1970s opened the door for women to begin entering the business world in a way they never had before. As both new and amended laws began passing in Congress, women started to shift their singular focus away from family onto their careers.

Since then, thousands of women have climbed the corporate ladder and another social change is beginning to take place. Rather than solely focusing on either family or career, women are becoming entrepreneurs and starting their own businesses. Women across the country are successfully balancing the dynamics of running both a business and a family.

Female Entrepreneurs Have Become Economic Powerhouses

Women business owners are changing the very fabric of the American economy. Over the last several decades, female business ownership in the United States has increased a staggering 36%. With more than 9.9 million entrepreneurs in their ranks, women have changed the way business is conducted as well as how they advance within the traditional corporate model. Additionally, female entrepreneurs are helping other women enter the corporate world and advance their dreams by providing employment and mentoring opportunities to the next generation.

The growth of companies that are dedicated to helping woman business owners has also greatly influenced the dramatic rise of female entrepreneurship. Though access to small business funding has improved, women often still face challenges in securing the financial support they need to operate successful businesses.

ValueOne is dedicated to changing that. ValueOne is a financial and business services provider that is committed to helping women entrepreneurs thrive. We are dedicated to assisting you with everything you need to run and grow your business. From small business loans and lines of credit to equipment funding and payment processing services, we are here for you every step of the way. To see how ValueOne can help your business exceed expectations, call us today at 855-258-2571.

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Women Entrepreneurs are Making Major Strides

It wasn’t long ago that a woman could not apply for a business loan without having a male co-signer. This put heavy restraints on women business owners, specifically in terms of what kind of loans they could apply for, how likely they were to get approved, and the amount of the loan that they would have been approved for.  

But women have made immense progress over the last few decades, gaining significant ground in the area of business entrepreneurship. With the help of small business services for woman-owned companies, these women made themselves heard and paved the way for the millions of women to take their dreams into their own hands and make them a reality. Now female entrepreneurs are reshaping the landscape of the American workforce.

Entrepreneurship: The Quiet Revolution for Women in Business

The Women’s Movement of the 1960s and 1970s opened the door for women to begin entering the business world in a way they never had before. As both new and amended laws began passing in Congress, women started to shift their singular focus away from family onto their careers.

Since then, thousands of women have climbed the corporate ladder and another social change is beginning to take place. Rather than solely focusing on either family or career, women are becoming entrepreneurs and starting their own businesses. Women across the country are successfully balancing the dynamics of running both a business and a family.

Female Entrepreneurs Have Become Economic Powerhouses

Women business owners are changing the very fabric of the American economy. Over the last several decades, female business ownership in the United States has increased a staggering 36%. With more than 9.9 million entrepreneurs in their ranks, women have changed the way business is conducted as well as how they advance within the traditional corporate model. Additionally, female entrepreneurs are helping other women enter the corporate world and advance their dreams by providing employment and mentoring opportunities to the next generation.

The growth of companies that are dedicated to helping woman business owners has also greatly influenced the dramatic rise of female entrepreneurship. Though access to small business funding has improved, women often still face challenges in securing the financial support they need to operate successful businesses.

ValueOne is dedicated to changing that. ValueOne is a financial and business services provider that is committed to helping women entrepreneurs thrive. We are dedicated to assisting you with everything you need to run and grow your business. From small business loans and lines of credit to equipment funding and payment processing services, we are here for you every step of the way. To see how ValueOne can help your business exceed expectations, call us today at 855-258-2571.

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From construction to technology, from healthcare to insurance, women are starting, owning, and running their own businesses like never before. The surge of female entrepreneurship in the last 10-15 years has had tremendous impact on the American economy. And if the data provides any indication, it shows that the success of female business owners won’t be slowing down any time soon.

When small business services for women-owned companies are accessible, those women are able to take their businesses to the next level of success. Studies show that 9 out of 10 female business owners run their operation solo; but if just a quarter of those women hired 1 person in the next year, over 2.2 million jobs would flood the job market.

These statistics show that women are a force to be reckoned with in the marketplace and that female entrepreneurs are having an immense impact on our nation’s economy.

Woman-Owned Businesses Are No Longer a “Niche” Market

In decades past, if a woman was successful and fortunate enough, she could run her own business – but it was likely that it would cater primarily to women. Women’s fashion and makeup, Tupperware, home merchandise and other similar industries were some of the only avenues available for women to succeed at entrepreneurship.

Today, however, is a very different story. Businesses run by female entrepreneurs are having a profound effect on the economy and the workforce by training women to perform jobs in industries that were previously only available to men. This includes the tech industry where women are joining the ranks of software engineers and skilled coders.

Women Business Owners Thrive When Receive the Support They Need

From 2002-2012, women-owned businesses increased by a staggering 52% - adding approximately $90.2 million dollars to the American economy. In the last five years alone, in many of the largest cities across the country, businesses owned by women  have steadily grown by 43%.[1] By employing more than 23 million Americans across the country, women have had a total economic impact totaling almost $3 trillion dollars.[2]

When women are afforded the same opportunities for training, development, business leadership and skill building as men are given, they are able to scale their businesses and operate at their full potential. Through programs that offer access to funding options, mentoring, and skill building, women are accessing the resources they need to be successful entrepreneurs.

The team at ValueOne is dedicated to helping women grow their companies with a wide range of funding options and essential business services. We know you have big dreams for your company, and we are passionate about helping you succeed. Contact us today at 855-258-2571 to get started.

[1] http://www.forbes.com/sites/capitalonefutureedge/2016/03/03/breaking-through-the-economic-impact-of-women-entrepreneurs/#1e948b891c28

[2] https://www.nwbc.gov/research/economic-impact-women-owned-businesses-united-states

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The Effect Women Entrepreneurs Have On Our Economy

From construction to technology, from healthcare to insurance, women are starting, owning, and running their own businesses like never before. The surge of female entrepreneurship in the last 10-15 years has had tremendous impact on the American economy. And if the data provides any indication, it shows that the success of female business owners won’t be slowing down any time soon.

When small business services for women-owned companies are accessible, those women are able to take their businesses to the next level of success. Studies show that 9 out of 10 female business owners run their operation solo; but if just a quarter of those women hired 1 person in the next year, over 2.2 million jobs would flood the job market.

These statistics show that women are a force to be reckoned with in the marketplace and that female entrepreneurs are having an immense impact on our nation’s economy.

Woman-Owned Businesses Are No Longer a “Niche” Market

In decades past, if a woman was successful and fortunate enough, she could run her own business – but it was likely that it would cater primarily to women. Women’s fashion and makeup, Tupperware, home merchandise and other similar industries were some of the only avenues available for women to succeed at entrepreneurship.

Today, however, is a very different story. Businesses run by female entrepreneurs are having a profound effect on the economy and the workforce by training women to perform jobs in industries that were previously only available to men. This includes the tech industry where women are joining the ranks of software engineers and skilled coders.

Women Business Owners Thrive When Receive the Support They Need

From 2002-2012, women-owned businesses increased by a staggering 52% – adding approximately $90.2 million dollars to the American economy. In the last five years alone, in many of the largest cities across the country, businesses owned by women  have steadily grown by 43%.[1] By employing more than 23 million Americans across the country, women have had a total economic impact totaling almost $3 trillion dollars.[2]

When women are afforded the same opportunities for training, development, business leadership and skill building as men are given, they are able to scale their businesses and operate at their full potential. Through programs that offer access to funding options, mentoring, and skill building, women are accessing the resources they need to be successful entrepreneurs.

The team at ValueOne is dedicated to helping women grow their companies with a wide range of funding options and essential business services. We know you have big dreams for your company, and we are passionate about helping you succeed. Contact us today at 855-258-2571 to get started.

[1] http://www.forbes.com/sites/capitalonefutureedge/2016/03/03/breaking-through-the-economic-impact-of-women-entrepreneurs/#1e948b891c28

[2] https://www.nwbc.gov/research/economic-impact-women-owned-businesses-united-states

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The United States is a nation built by immigrants, dreamers, and entrepreneurs. Today, the U.S. is still welcoming people from outside the U.S. to set up businesses — everything from small businesses to major corporate ventures — and take their shot at living the American Dream.

There are a variety of options available to support your business venture, such as small business resources for minorities. If you’re ready to start a business as a foreign national, here are a few key things to consider before getting started.

Find the Right Visa Pathway

  • If you have a green card, you can live, study, work, and start a business in the U.S. while maintaining your foreign citizenship.
  • Entrepreneurs, their spouses, and their unmarried children under 21 can apply for an EB-5 Investor green card through the EB-5 Immigrant Investor Program. The U.S. Citizenship and Immigration Services administers up to 10,000 of these visas yearly, but applicants have to meet very specific criteria to be approved. You’ll have to make a sizeable investment in a commercial enterprise in the U.S. while creating and/or preserving ten full-time jobs.
  • Whether you’re looking to start or preserve an existing business, you have a variety of visa options available to you. The U.S. Citizenship and Immigration Services has an extensive Entrepreneur Visa Guide with more information.

Set Up Your Business

Determine how you will structure your business. You can operate as a sole proprietorship, LLC, corporation, or partnership, and each structure has different ownership statutes and tax ramifications. 

If you plan on having an online retail presence, set up your ecommerce website with a U.S. based URL. U.S. consumers are more likely to buy from a U.S. ecommerce store than one that’s based overseas.

Establish a U.S. Business Bank Account

You can’t run a business in the U.S. without a U.S. bank account, and banks require valid ID to open an account. As a foreign national, you’ll need a tax identification number and a government-issued document that has your photograph. Business accounts can also require articles of incorporation, U.S. business address, and more. Bank requirements vary, so it’s best to check with your bank of choice.

Understand U.S. Taxes

Most U.S. businesses require an employer identification number or individual taxpayer identification number from the IRS, which serves to identify the business entity.

All foreign nationals must file and pay state and federal taxes on business income. Depending on what kind of business you run, you may also need to pay sales tax, social security, Medicare taxes, and more. Due to the complexity of the U.S. tax system, it’s wise to consult a tax practitioner who’s familiar with business tax laws.

Tap into Small Business Financing

Having access to financing and capital is key to the growth and success of your small business. Being a foreign national doesn’t preclude you from getting small business funding. To find out about your small business financing options, contact ValueOne at 855-258-2571.

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Start a Business as a Foreign National

The United States is a nation built by immigrants, dreamers, and entrepreneurs. Today, the U.S. is still welcoming people from outside the U.S. to set up businesses — everything from small businesses to major corporate ventures — and take their shot at living the American Dream.

There are a variety of options available to support your business venture, such as small business resources for minorities. If you’re ready to start a business as a foreign national, here are a few key things to consider before getting started.

Find the Right Visa Pathway

  • If you have a green card, you can live, study, work, and start a business in the U.S. while maintaining your foreign citizenship.
  • Entrepreneurs, their spouses, and their unmarried children under 21 can apply for an EB-5 Investor green card through the EB-5 Immigrant Investor Program. The U.S. Citizenship and Immigration Services administers up to 10,000 of these visas yearly, but applicants have to meet very specific criteria to be approved. You’ll have to make a sizeable investment in a commercial enterprise in the U.S. while creating and/or preserving ten full-time jobs.
  • Whether you’re looking to start or preserve an existing business, you have a variety of visa options available to you. The U.S. Citizenship and Immigration Services has an extensive Entrepreneur Visa Guide with more information.

Set Up Your Business

Determine how you will structure your business. You can operate as a sole proprietorship, LLC, corporation, or partnership, and each structure has different ownership statutes and tax ramifications. 

If you plan on having an online retail presence, set up your ecommerce website with a U.S. based URL. U.S. consumers are more likely to buy from a U.S. ecommerce store than one that’s based overseas.

Establish a U.S. Business Bank Account

You can’t run a business in the U.S. without a U.S. bank account, and banks require valid ID to open an account. As a foreign national, you’ll need a tax identification number and a government-issued document that has your photograph. Business accounts can also require articles of incorporation, U.S. business address, and more. Bank requirements vary, so it’s best to check with your bank of choice.

Understand U.S. Taxes

Most U.S. businesses require an employer identification number or individual taxpayer identification number from the IRS, which serves to identify the business entity.

All foreign nationals must file and pay state and federal taxes on business income. Depending on what kind of business you run, you may also need to pay sales tax, social security, Medicare taxes, and more. Due to the complexity of the U.S. tax system, it’s wise to consult a tax practitioner who’s familiar with business tax laws.

Tap into Small Business Financing

Having access to financing and capital is key to the growth and success of your small business. Being a foreign national doesn’t preclude you from getting small business funding. To find out about your small business financing options, contact ValueOne at 855-258-2571.

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For many entrepreneurs, running a business is a family affair. There are unique challenges that come with both partnering up with or hiring family members, but there are also several benefits. Namely, your family has as much interest in seeing your business succeed as you do.

With many small business solutions available, it’s possible to thrive in a family-run business. Below are three common scenarios in running a business with your family, as well as tips to keep both business and relationships running smoothly.

Parent-Child Businesses

Often in this relationship, it’s the parents who have been running the business, with the child being brought on to learn the ropes and eventually take their parents’ place. This relationship dynamic can be tricky, with some children being reluctant to take on the family business, and some parents reluctant to hand responsibility over to their child.

To thrive in a parent/child-run business, it’s critical to maintain open lines of communication. Children should respect the parent’s prevailing view on how to run the business, while parents should be open to listening to their children’s ideas and ways to improve. It’s important to recognize that business dealings exist outside of the typical “parent-child” relationship to avoid butting heads, micro managing, and potentially souring both business and personal connections.

Sibling Businesses

If you’re entering a business venture with a sibling or siblings, make sure you’re all on the same page right from the start. Siblings have a lifetime of complicated relationship dynamics, which tend to impact their adult interactions. Treat your business relationship like you would any other business partnership — take time to communicate and get into agreement on what you want to achieve, what the business should look like, and how it will work.

Sibling dynamics get even trickier if you’re an owner considering hiring a sibling. Take time to reflect on your relationship with your sibling — will they respect your authority as owner? How will they add value to your business?

Spouses and Partners Businesses

A successful business is often cut from the same cloth of what makes a successful marriage — communication. Without clear, honest, and open communication, problems are inevitable. When running a business with your spouse or partner, the focus must always be on what’s best for the business, not being right or winning the argument.

Keep the big picture in mind when running a family business with your spouse or partner. It’s important to have open and honest conversations about responsibilities, work distribution, budgets, and where you see the business going. Even if you have to schedule it, make time every few months to really open up and talk about your partnership — both in life and in business.

Running a business with family members can be challenging, but immensely rewarding. If you’re invested in success, check your ego at the door, and listen to and respect other’s views, your family business can thrive.

If you’re ready to grow your family-run business, contact ValueOne at 855-258-2571 or start a chat with us to find out about our variety of small business solutions.

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Run a Thriving Business with Your Family

For many entrepreneurs, running a business is a family affair. There are unique challenges that come with both partnering up with or hiring family members, but there are also several benefits. Namely, your family has as much interest in seeing your business succeed as you do.

With many small business solutions available, it’s possible to thrive in a family-run business. Below are three common scenarios in running a business with your family, as well as tips to keep both business and relationships running smoothly.

Parent-Child Businesses

Often in this relationship, it’s the parents who have been running the business, with the child being brought on to learn the ropes and eventually take their parents’ place. This relationship dynamic can be tricky, with some children being reluctant to take on the family business, and some parents reluctant to hand responsibility over to their child.

To thrive in a parent/child-run business, it’s critical to maintain open lines of communication. Children should respect the parent’s prevailing view on how to run the business, while parents should be open to listening to their children’s ideas and ways to improve. It’s important to recognize that business dealings exist outside of the typical “parent-child” relationship to avoid butting heads, micro managing, and potentially souring both business and personal connections.

Sibling Businesses

If you’re entering a business venture with a sibling or siblings, make sure you’re all on the same page right from the start. Siblings have a lifetime of complicated relationship dynamics, which tend to impact their adult interactions. Treat your business relationship like you would any other business partnership — take time to communicate and get into agreement on what you want to achieve, what the business should look like, and how it will work.

Sibling dynamics get even trickier if you’re an owner considering hiring a sibling. Take time to reflect on your relationship with your sibling — will they respect your authority as owner? How will they add value to your business?

Spouses and Partners Businesses

A successful business is often cut from the same cloth of what makes a successful marriage — communication. Without clear, honest, and open communication, problems are inevitable. When running a business with your spouse or partner, the focus must always be on what’s best for the business, not being right or winning the argument.

Keep the big picture in mind when running a family business with your spouse or partner. It’s important to have open and honest conversations about responsibilities, work distribution, budgets, and where you see the business going. Even if you have to schedule it, make time every few months to really open up and talk about your partnership — both in life and in business.

Running a business with family members can be challenging, but immensely rewarding. If you’re invested in success, check your ego at the door, and listen to and respect other’s views, your family business can thrive.

If you’re ready to grow your family-run business, contact ValueOne at 855-258-2571 or start a chat with us to find out about our variety of small business solutions.

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