How A Business Loan Helps Business People

Overview:
Becoming a self-employed businessman is a great reputation in the society but the problems faced by the entrepreneurs from the day one of their business is enormous. It is a great challenge for a person to overcome all obstacles to become a successful businessman. The numerous problem faced by all is finance. Even great entrepreneurs of various industries have struggled a lot of financial crisis for setting up their business and to run their daily business operations. Thus finance plays a major role in the life of business people. Great ideas require the necessary financial support to bloom into a successful business.Introduction:
There are various sources for business people to raise capital for their business. The most trusted source is from banks. There are various reasons why people choose banks as the best source for raising capital for their business. Banks provide a lower cost of funds in the form of Business Loans. There are various types of business loans at differential interest rates to facilitate business people to solve their financial crises.Types of Business Loans:
Businesses are of different types and need finance at different stages of their business operations. The need also being different, banks help them in providing different types of business loans helping various small and medium enterprises to raise capital.New Project Loan – Banks are interested in funding for new businesses and also for new projects of existing business. There are various criteria for getting new project loan and differs from bank to bank. Project loans are approved against the collateral of the person like residential property, commercial property or empty land.Top-up on Existing Loans – These loans are issued for expansion, replacement, diversification of an existing business. These loans are approved for short term or long term basis to buy goods, machinery or any fixed assets for the company.Working Capital Loans -These loans are provided for the business to solve sudden financial crises and repaid within short durations. Banks are more interested in providing working capital loans against their inventories, stocks or receivable bills of the company.Secured Business Loan – Business loans in which companies raise their capital against any security for the bank. It may include plot, residential or commercial places, gold, shares, bills, insurance as collateral to get funds for their business. The interest rate is preferably less.Unsecured Business Loan – Every businessman cannot afford to pledge a security in getting the business loan, so bankers help them with loans without any security based on bank transactions and income tax returns. These loans are charged with more interest rates when compared to secured business loans.Requirements of the Banks:
There are various steps and procedures followed by banks to provide funds. The procedure and documents to be submitted to the banks as followsIdentity and address proof of the company – Address proof and identity proof of partnership or proprietor business.Statutory legal registration of the company – Whether the company is legally registered under government norms and have followed all procedures legally in setting business.Financial statement of the company – Every bank is interested in seeing the recent 1-year business transaction of the company.Income tax returns – ITR helps the bankers to check the business performance, efficiency level, assets and liabilities of the company and also tax that company pays from their current earnings. This also plays a major role in deciding the loan amount for the business people.Financial Security – It includes the fixed and movable assets of the company which helps the banker to consider providing business loans based on the asset value along with the business transactions. This also safeguards banks from the failure of businessmen that fail to repay the loan amount.Previous Loan track – This is a very important factor considered by banks which will help them evaluate the financial condition of the business and also to check on past repayments on loans.Litigation – It will help banks assess the character of businessmen before providing a business loan.Takeaway:
Though business loans are found to be a great source for raising capital, businessmen undergo challenge in getting timely funds from the banks. In order to help them in availing timely loans, even NBFC is also now prepared to help them with funds at various stages of their business. Banks & NBFC have also made the lending process easy, with all verification done in shorter time-span, doorstep assistance in collecting documents etc. Businesses with good cash flows & credit score can avail timely funds with much ease.

Top MLM Software Companies to Watch Out for in 2018

MLM software is integral to any MLM business since it holds the base of the business and a right MLM software that is highly accurate, fast and perfect to fulfil your expectations is a must-have. It is essential that we select the right developer for meeting our software requirements, after all, there is no room for any mistakes in your business. Here we are listing Top MLM Software Developing Companies in the market complete with their rankings and employee strength to help you make the right choice. There are no specific criteria to rank the developers, though the features provided, options for customisation and the available add-ons can be taken into account to rank them.
I took these parameters into consideration while ranking the MLM Software Developing Companies.I prepared this list based on internet searches, magazine references and mouth to mouth information.1. Infinite MLM Software by IOSSIOSS is the pioneers of MLM software development in India with more than a decade of experience in developing such software. Their software Infinite MLM Software has the largest number of MLM plans integrated to it. The payment options are highly safe and reliable and numerous add-ons are provided which can be easily integrated with the software. This includes e-pin, e-wallet, CRM integration, Bitcoin Promotion and Cryptocurrency development. The customers also have an option to customise the software as per their needs and compensation and payout schemes. There are options to handle multiple languages and currencies.Alexa Rank: 383,3892.MLM SoftworksMLM Software developed by MLM Softworks, which is an Indian Based company claims to have a solution to manage, control and organize an MLM business. Built on Laravel, the software is highly responsive and allows the admin to configure custom pay plan and compensation rules. Necessary features like social media integration, managing distributors & downline members, handling MLM leads, processing commissions & payout, enable or disable dynamic compression, track sales volume, profitability statistics, etc have been included in the software.Alexa Rank: 3,048,0513. AIS TECHNOLABSThe company offers 100% customisable script, which is common in most of the MLM software in the market these days. The Content Management System is a highly beneficial tool for the users without much technical knowledge to easily update the contents of their business website. CRM feature helps in business promotion by generating automated responses to queries. The software offers multi-engine URL to help check purchase volume, Rank and Leg count. The price is moderate and the company offers an array of services related to MLM business like website development, Mobile application development etc. The company offers lifetime support and technical consultancy for any type of problem associated with the software.Alexa Rank: 564,3154. Awapal MLMThe developers have described Awapal MLM as ‘ Software with great features given to address diverse business needs’. In addition to the basic features mentioned above, the software has a CRM system put in place so that the distributors can send bulk emails and automated responses to their customers. The software supports multiple languages and even has a currency converter added on eyeing the possibility of overseas business as well. E-Voucher Generator has been introduced and there is an option for easy bulk import/export of data. Fund transfer to various accounts is extremely easy with a sound e-wallet system in place. There are facilities to generate different kinds of reports and inventory management is not an uphill task anymore with Awapal MLM.Alexa Rank: 700,5675. VentaForce by SankalpVentaforce claims to have incorporated more than 150 features in it. Developed by an Indian company Sankalp which has been in the business for more than 10 years, the software incorporates all the basic features expected of an MLM software along with additional features like supporting multiple languages, multi-currency, tax management, e-commerce integration, commission management, multi vendors and much more. All popularly adopted MLM plans are incorporated in the software. There are pre-integrated payment gateways to enable safe and secure transactions. Along with Admin and Member module, the multi-level marketing software provides various add-on modules with different features to run the business effortlessly.Alexa Rank: 890,6866. ARM MLMThis MLM software is highly responsive to anything from a PC to a mobile phone and has got all major business plans merged into it along with the entire set of calculations of commissions and payout schemes. An added feature is the Content Management System(CMS) which allows the user to update the product info and other contents on the website without much knowledge of HTML. Genealogy is represented in graphical form and the software supports multiple languages too. E-pin Generator is provided to reduce the chance of fraudery and e-wallet facility is added to ensure quick and easy transactions.Alexa Rank: 982,7197. Multisoft CorporationMarket Power Pro by Multisoft Corporation is third on the list of top ten MLM companies. The software is jam-packed with a lot of essential features like real-time genealogy, website management tools, auto-billing options and much more! The company is based in Nevada, USA and has been in business for more than 30 years. Competitive pricing and security features are commendable for this MLM software. Almost all types of MLM business plans and its compensation schemes have been incorporated into this software. The admin can manage all users, both Distributors and Customers, from One Central Cloud-Based System which helps in easy management of the entire business.Alexa Rank: 1,766,6968. EifaSoft TechnologiesEifaSoft MLM software by EifaSoft Technologies is based in India and has managed to fairly meet the expectations from an MLM software. Eifasoft Technologies claims EifaSoft MLM to be secure, reliable, user-friendly and Web Based MLM Software to provides easy tracking of customers, various kinds of reports regarding sales, revenue, analytical and pictorial presentation in a genealogical manner of MLM customers. The software has a responsive design so it can be used in any designs without trouble. All the basic utilities like E-Pin generator, E-commerce, SMS and E-Wallet has been integrated with the software. The only major drawback is that the company does not offer a free trial of the software.Alexa Rank: 1,976,2119. IMatrix SoftwareWith an experience of more than two decades in developing MLM software, IMatrix is an American company which has quite an impressive clientele to boast of. The software is packed with the features you would expect from a leading software provider, and allows the user to view their downline in graphical format, determine their current qualifications and current earnings. The software is practically easy to use and visually appealing. This software too can handle multiple currencies, payment options and multiple languages. Members can access their information in real-time anywhere, anytime, from any supported device.Alexa Rank:7,589,45110. AJ Matrix MLM SoftwareAJ Matrix is a PHP based MLM software that is developed by a British based company AJ Matrix. The software has all the features expected of an MLM software. The software accommodates all the MLM business plans in the market and integrates E-Pin Management along with it. There are facilities for customisation of the software as per client’s needs. The company promises their customers 24×7 support over the phone and email. The software can have been equipped to accommodate spillovers automatically and can calculate the bonus and commissions.Alexa Rank: 13,282,170The links to the websites of the top four companies are listed below. Do check them out!1. Infinite MLM Software by IOSS – https://infinitemlmsoftware.com/2.MLM Softworks – http://www.mlmsoftworks.com/3. AIS TECHNOLABS – https://www.aistechnolabs.com/mlm-software/4. Awapal MLM – https://awapal.com/There are MLM software companies mushrooming across the world every day. It is a tough choice, we agree, especially choosing something that can decide the fate of your business. Though there are endless choices in the market, we have managed to pick out some based on the overall functionality and prices as our top priority. Hope this list helps in making your final choice! Cheers to a successful MLM business career.

What Is Nutritional Counseling?

Nutritional counselors, also known as dietitians, help patients identify and manage food and nutrition-related concerns through short- and long-term treatment strategies. Nutritional counseling is commonly applied to patients experiencing neuromuscular or musculoskeletal disorders, digestive ailments, obesity, diabetes, menopause, pregnancy, allergies, among other conditions.

By analyzing and assessing diet and exercise habits, nutrition is seen as a key factor in establishing and maintaining a healthy lifestyle. Without adequate nutrition, a large number of diseases can ensue in part due to the vulnerability placed on the body. Nutritional counselors aim to find integrated ways to set goals and help patients achieve them. When nutritional counselors assess patients, individual profiles are analyzed. The information the patient receives from the counselor is contingent on their lifestyle (vegetarianism, for instance), age, life stage (menopause, pregnancy), and medical history.

Nutritional Counseling incorporates weight monitoring and education about weight, food records, self-control strategies, meal planning, and problem-solving skills. Instruction of food planning and self monitoring is seen as instrumental in getting patients to follow a specified program.

The Work of Dietitians
Dietitians and nutritionists plan nutrition programs, helping to prevent and treat illnesses by promoting healthy eating habits while addressing dietary imbalances. They also recommend specific dietary changes to fit a person’s temporary condition. (Recommending extra folate for pregnant women, for instance.) Dietitians often work in hospitals and schools, applying their services through education and research. Clinical dietitians provide nutritional services to patients in institutions by assessing patients’ nutritional needs, developing and recommending nutrition programs, and evaluating the results with other professionals to coordinate medical and nutritional needs. Community dietitians counsel individuals and groups on nutritional practices aimed to prevent disease and promote health. They work as independent contractors with healthcare facilities or engage in their own private practice, screening clients’ nutritional needs and offering regulated approaches meeting them.

Eating Disorders
The American Dietetic Association (ADA) sets guidelines and protocols for the practice of nutritional counseling. In 1996, it defined guidelines for medical nutrition therapy for many medical conditions related to nutrition, which included eating disorders.

The American Psychiatric Association (APA) considers nutritional counseling as one of the most important treatment elements for people with eating disorders. Nutritional counseling is viewed for its role in motivating patients to agree to reestablishing healthy eating habits. In this context, nutritional counseling is seen holistically, in terms of how it fits into ongoing support to patients and their families.

Nutritional counseling in this context attempts to correct irregular eating habits, replacing it with a balanced approach to food and weight control. It provides a synthesis of information and practices, drawing from many fields including cognitive-behavioral, relational, and educational techniques. It is considered a part of overall treatment, not as a single-source approach. As such, it employs the support of other treatment methods, which can include psychotropic medications and psychological counseling.

Collaborative rapport between patient and counselor is considered essential for treatment success. The counselor addressed entrenched food beliefs, behaviors and attitudes revolving around food, how, when, and how much to eat it – amounting to a complex equation. Counseling environments must be secure, safe, and supportive, where the patient receives helpful information from the counselor in a direct but non-intrusive manner.

How Nutritional Counseling Can Help Overall Health: Counseling can clarify questions related to nutrients, calories, and special food needs, showing what to look for when reading food labels. They can help sort through healthy cooking alternatives in real-life contexts while teaching strategies of self-control. (One may learn how to better select items from a restaurant menu, for example.)

Digestive Problems – Dietitians or Nutritionists jointly work with physicians to establish dietary plans that are in keeping with a patient’s condition. They may recommend the removal of fried foods, spices or carbonation, while recommending other alternatives.

Diabetes – Counseling can provide healthy food alternatives without sacrificing taste.

Pregnancy – It can help ensure a pregnant woman is getting all the nutrients she needs, especially during the first three months of pregnancy, the crucial period that may affect a newborn’s risk for developing neural tube or spinal cord defects.

Conditions that May Benefit from Nutritional Counseling HIV, Cancer, Hypertension, Organ Dysfunctions, Hypoglycemia, and Heart Disease.

Most eating disorder centers and residential programs offer nutritional counseling. The benefits of receiving nutritional counseling includes improved ability to concentrate, a boosted immune system, stabilized moods, more energy, aid in recovery of eating disorders, and increase in overall health.