Money Problems. Worry Not


Does your business need some serious work? Is your building showing signs of its age? Are you struggling to keep up with payroll and feel like you need someone to bail you out? These are all common problems for small businesses. There are solutions. Research is key when trying to make building improvements or get caught up with finances. Business loans are a common, and often great solution. However, not all business lenders are equal.

There are a lot of predatory lending companies out there. They entice you by offering you large sums of money with “easy repayment options”. Well apparently some people’s idea of “easy” is a lot different than some others. When shopping around for a business loan, seek out a company with a strong reputation, such as  The internet is a great source for this information. However, do not base your decision on internet research alone. Call around. There are likely other businesses in your area that have at one point or another, needed a business loan. Look for businesses that have recently renovated and ask the owner about it. Be bold. A lot of small business owners are happy to help another small business owner. Word of mouth can be the best form of research when dealing with business loans.

What do the business lending companies require in order to secure a loan? Well every company is different. However, most lending agencies will require you to provide 2 or 3 months of business bank statements in order to prove that your business has income. Many lenders also require a minimum credit score of 625. As mentioned earlier though, all agencies are different and you will need to call them to get their actual requirements. Another thing that lenders like to see is that you’ve been in business for more than just a couple of months. Some require 6 months as an established business.

Lastly, and perhaps the most important factor when selecting a lending agency is the interest rate they offer. This is often how you can screen out the predatory lending agencies. Any lender that sets an interest rate above 25% should be avoided like the plague. Business loans with low interest rates are fairly easy to find. However, before you even start looking at interest rates you need to determine what you can afford, as far as monthly payments are concerned. So do your research, shop around, and watch those rates! I hope this article has been helpful and you are able to get the funds you need to keep your business rolling.

Garage Problems Fixed Easy

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There are a lot of things that can go wrong with the garage door at your residence. From busted springs to broken sensors, there is no doubt that a broken garage door can be an unbelievable source of frustration. Of course, your garage door will never break on a nice sunny day. It’s always 5 degrees outside and in the middle of a snowstorm. What do you do in these situations?

Luckily, many electronic garage door systems have a manual override. Simply pull a lever and the door will open with just a little bit of muscle on your part. Ha. In the olden days, this was the only kind of garage door. All garage doors are different and you may have to do a bit of poking around to find that override mechanism. Obviously, the whole point of having an electronic garage door system is the convenience of the whole thing. Nobody wants to have to get out of their car to open and close that old, heavy garage door. So while the manual override option is good in emergent, temporary situations, it is just that, temporary.

So who do you call to fix the issue? That all depends. Sometimes, if you’re a handy person, you can diagnose the problem yourself. Broken springs are a very common culprit. A garage door spring is a very large metal, coiled spring. Normally, they can easily be found on the ceiling between the door itself and the electronic garage door box with all the “guts”. If you can see that the spring has obvious signs of damage or failure, you will for sure know that this is the problem. However, many times you will not be able to tell with the naked eye that the spring is broken. Tiny cracks may be hidden or the damage is flush against the ceiling in your garage, hidden from eyesight. Call a technician in your area to determine if the spring is all that needs fixing.

Another common, easily remedied, problem is a misaligned sensor. Your garage door has a built in sensor to keep the garage door from closing on a car or god forbid, a person. The sensor is always located on the side of the garage door at about knee level. These can become misaligned causing items that are not in the pathway of the door to keep the garage door from closing. Make sure this sensor is at a 90 degree angle to the pathway of the garage door. Simply move the sensor back into alignment and see if that solves the problem

The problem can also be located inside the actual garage door opening unit. This unit is the box attached to the ceiling of the garage. There are a lot of complicated electronic “gadgets” inside this unit and it is not uncommon for the unit to fail. Although this is a more costly repair, technicians in your area should supply the parts to fix the problem. Give the Garage Pros a call and tell them about the problem you are having. They will happily come to your aid. Many garage door companies offer emergency services and may actually be able to help you at all hours of the day…and night. Good luck.

Roof Repair Tips

Any leaks in your roof won’t just make your home uncomfortable, but the water can also cause a lot of damage. This is the reason why it’s important you fix any roof damage as quickly as possible. This guide will look at some simple roof repair tips which can be used to make roof repairs that bit easier.

Roof Repair

Finding the Leak

Often, the hardest part of fixing a leaking roof is actually finding where the water is getting in. You might notice staining on the ceiling, but the leak might not be obvious. The easiest way to find the leak is to go up in the attic. Take a flashlight and shine it around the inside of the roof. You will hopefully notice some evidence of water, perhaps marks or mold. If you still can’t see where the leak is, then get someone to spray a small amount of water onto the roof using a garden hose.

Actually finding the source of the leak can take several hours. It’s worth doing properly though because it should be easier to repair the leak.

Repair in the Dry

Although you may need to wet the roof to find the leak, try to repair it when it’s dry. This is not only safer, but it will make it much easier to do the repairs, and more likely that the repairs will actually be successful.

Emergency Roof Repair

One handy roof repair tip is that you can use a piece of aluminum as a temporary and emergency shingle replacement. This can be cut to size easily and fitted to the roof to provide protection until you can fix it properly. This will limit any damage caused by water.

Vent Flashing

One common location for a leak in a roof is around the vents. Vents which are cut into roof tiles allow water the perfect place to enter. Flashing is used to weatherproof the roof around the vents. However, over time this can become damaged and start to break down. It’s worth quickly inspecting the condition of all the flashing on your roof while you are repairing any other leaks.

Use the Right Materials

When making roof repairs, it’s important that you use the correct materials and don’t just do a quick job. Plastic vents which are cracked should be replaced, they should not be simply stuck back together using duct tape. Duct tape is not suitable for roof repairs as it will come off, and simply doesn’t provide enough protection.

Check Windows

If you really can’t find the source of the leak, then check around windows. Sometimes cracks around window frames allow water to sneak inside and drip down the walls onto the ceiling. If this is the cause of the leak, then scrape out as much of the original caulking possible, and reapply calking to weatherproof the house.

Know when to get help

Although it’s great to repair roof leaks yourself, if you’re not sure what you’re doing then it’s advisable to hire a professional. A professional roofing contractor will know exactly where to look for the common leaks and how to fix them in the proper way. When hiring someone to repair your roof, make sure you’re paying a fair price and hiring someone with a good reputation.