Whether you’re trying to rebuild your life in the wake of Katrina or are finally fulfilling your dream of building your own home, home designers and builders in New Orleans can help. From helping you draw up plans to building the house itself, these professionals can make the home building process easy and stress-free!The first step in any new home construction is designing the house itself. Of course, there are plenty of premade house plans available on the Internet and from other sources, but custom home design is the best way to ensure your brand-new home perfectly meets the needs of your family. After all, when you’re going to the expense and work of building a home, it should actually suit your needs, style, and family!Your local home designers can either modify a pre-designed home or create completely new plans, depending on your budget and specific requests. Be sure to utilize only experienced professionals for your house design plan. Errors, inaccuracies, and omissions can cost you big when you have to make changes once the home is already under construction. When you work with professional house designers, you can be confident that not only will your house be the home you’ve always wished for, but that the blueprints will be meticulously compiled and correct.Once you have your house planned out and blueprints drawn up, it’s time to find a lot and a contractor. Choosing the right house builders is critical to the overall quality and results when your new home is finished, so be sure to take the time to look around, interview, and check references! As is the case anywhere, not home builders in New Orleans are alike. From contractor to contractor, you’ll find fast differences in quality, construction methods, and even customer service. Working with a reputable, reliable builder who listens to your requests can make your new home construction [http://diamond-home-design.louisiana-biz.com/site/services] project go faster and smoother-and you’re more likely to end up with a sturdily built home that you love, rather than a total lemon. Experience and a proven track record are the two most important factors when evaluating difference new home builders, so keep these factors in mind when you’re assessing contractors in your area.Building a new home can be an exciting and daunting process. But with the help of professionals, your home construction process can be straightforward and hassle free. In fact, Road Home grants, ICC funding, and insurance money can all make building your dream home in New Orleans more affordable than you might think. Call your area home designers or house builders for more information.
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Guess What Your Business Needs? Working Capital and Small Business Finance Loan/Loans Options
Just picture your firm having access to all the working capital you need. Seem impossible? Not really… if you have a solid understanding of your options and your firms capability of qualifying or executing on those options.Whether you’re the largest corporation in Canada or a small new start up (and everything in between) your business needs working capital. In Canada small business financing loans and financing arraignments for working capital are limited to a handful of possibilities – but being aware of what they are and qualifying for them could be the solution to your constant focus on cash flow via some sort of working capital loan.It is probably easier than you think to ensure you are addressing the cash flow challenge correctly – where it gets somewhat ‘ thorny ‘ is matching a solution to the problem or locating an expert that can provide you with the business financing assistance you need.Two key elements of your first step working capital assessment are your gross margins and your turnover. That’s the big problem we have with text book / academic solutions to working capital – they point you to the text book calculation – give you a formula which essentially has you subtracting current liabilities form current assets, and voila! the inference is you have working capital. However, our clients have never paid a supplier or completed a company payroll with a ratio!To properly assess your working capital needs focus on understanding your turnover – how much inventory do you carry, what are the days outstanding in inventory, and as importantly, or more importantly, are your receivables turning over. Have you realized that for many firms 80% or so of the total of all the business assets you have are tied up in A/R, inventory, and, on the other size of the balance sheet let’s not forget payables.So can you have financial success based on your new found knowledge and analysis of your cash flow and asset turnover. We think you can.Canadian business financing solutions to small business finance loans really revolve around a couple viable solutions. Typically, in our experience Canadian chartered banks cant satisfy your business working capital needs – if only for the reason that they rarely finance inventory and require significant merit in your overall financials, profitability, external collateral, personal credit worthiness, etc.So, where do you go from there? The other solutions are very viable and can take you to a potential 100% turn around in cash flow – they include working capital financing as a bundled line of credit on a/r and inventory via an independent finance company. For firms that are larger we believe the ultimate tool is an asset based line o f credit that provides high leverage margining on all you business assets. Other more esoteric solutions, but still very viable although somewhat misunderstood are securitization, and purchase order financing of new contracts and orders. (Your suppliers are paid directly for the orders you have in hand – what could be better than that?)Finally, coming up the road at lightening speed is factoring and invoice discounting. We mention them lastly but they are probably the most popular method, gaining traction everyday. Our favorite is confidential invoice financing, allowing you to control your financing.So there you have it. You have identified new ways to determine the need; we have outlined 4 or 5 solutions that will take the guess work out of working capital. These loan and financing options are available with a bit of research, and, if you choose, speak to a Canadian business financing advisor who can provide you with timely and valuable assistance in your cash flow needs.