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Small Business Loans & Business Funding | Fora Financial

Fora Financial is one of the leading providers of small business loans and business funding. Visit our site to see the variety of industries we support.

Actived: Tuesday Jan 26, 2021

URL: https://www.forafinancial.com/

Key Man Insurance - What It Is And Why It Is Important

Details: However, the insurance payment won’t go to the deceased individual’s family. Key man insurance isn’t a personal life insurance policy; it’s corporate-owned life insurance. Types of Insurance Policies. Insurance is complex, and there are many different ways to structure your Key Man life insurance policy.

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The Most Important Types of Business Insurance | Fora

Details: Why Insurance Matters To Your Business The information provided in this section should be enough to convince you that you need insurance for your business. If it isn’t enough, the rest of this article should serve as a guide to help pivot your decision towards getting necessary insurance.

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COVID-19 Resources for Small Businesses | Fora Financial

Details: Unemployment Insurance in Idaho Idaho Department of Health To learn more about Illinois's current COVID-19 restrictions, reopening plans, and state resources, please visit the links below.

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What You Should Know About Cyber Liability Insurance

Details: As with traditional insurance, there are plenty of cyber insurance providers including big names like AIG and smaller, exclusively security-focused providers such as Data Breach Insurance. Regardless of the cyber insurance policy you purchase, remember that these policies aren’t a substitute for a robust cyber-security program.

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Why Malpractice Insurance Is Critical | Fora Financial Blog

Details: What is medical malpractice insurance, and why do I need it? Malpractice insurance is a type of errors and omissions coverage. It’ll protect you if a patient decides to sue you over the outcome of their medical treatment. Medical malpractice insurance will cover your legal fees and any resulting judgments against you.

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Financial & Small Business News | Fora Financial Blog

Details: How to Choose a Business Life Insurance Policy January 13, 2021 If someone is counting on your income to survive, taking out a life insurance policy is a prudent choice.

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How to Choose a Business's Property Insurance Plan | Fora

Details: Although property insurance typically doesn’t cover damage from earthquakes or flooding, if you’re based in an area where either is a risk, you might consider adding to your policy. 3. Necessary Coverage Level. In general, there are three types of business property insurance — basic form, broad form, and special form. The type you select

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How to Choose a General Liability Insurance Plan | Fora

Details: Insurance is a tedious topic to discuss, but you must properly protect your business in the event of an accident. Risks are everywhere for business owners; borrowing money, renting a workspace, and hiring employees are all sources of potential headaches.

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2020 Income Tax Deductions, Exemptions and More | Fora

Details: However, if life insurance is purchased for your employees or to protect your business, it may be deducted. What is the qualified business income deduction in 2020? If you’re a sole proprietorship, partnership, S-corp, or LLC, you may be eligible for the qualified business income deduction.

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Small Business Loans & Business Funding | Fora Financial

Details: Fora Financial is one of the leading providers of small business loans and business funding. Visit our site to see the variety of industries we support.

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Pros and Cons of SBA Disaster Loans | Fora Financial Blog

Details: Insurance may pay for some of it, but there’s a good chance there will be a gap. Thus, to fully afford to rebuild your business, you’re going to need additional capital. Due to this, a disaster loan from the Small Business Administration (SBA) may be a viable option. However, as with any financial decision, you should carefully weigh the

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Fora Financial Careers | Fora Financial

Details: A variety of career opportunities at Fora Financial. Fora Financial recruits the best and brightest individuals looking to elevate their careers in finance, sales, underwriting, marketing and other areas, while supporting our customers and partners.

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How to Protect Your Construction Company from Risk | Fora

Details: The National Insurance Crime Bureau has found that an average of 600 to 1,200 pieces of commercial equipment are reported stolen each month. Appropriate insurance policies can help small construction companies bounce back from unfortunate setbacks rather than suffer from a lost investment. 3. Contractual Risks

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Our Guide to Insurance for Business Employees | Fora

Details: Best Insurance Types for Small Business. Challenges arise when finding health insurance for employees of small business. While the benefits of doing so are great, it can be an expensive proposition. The options available are often confusing, which can lead employers to avoid selecting a plan or choosing the wrong ones.

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Here's When To Update Business Insurance Policies | Fora

Details: Business insurance can be obtained by doing ample online searches and performing due diligence. However, it is a far better option to speak with those in your industry. Ask for recommendations on who they use and who they suggest.

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Handling Self Employed Health Insurance Opportunities

Details: The Struggle Of Health Insurance When Self-Employed. When you work for someone else, you may qualify for an employer-sponsored health insurance plan. Your employer will pay for a portion of (or even all) of your health insurance coverage. This is a huge benefit as funding your own health insurance policy can be very expensive.

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Why Insurance Isn’t a Substitute for Cyber Security | Fora

Details: Cyber Insurance Cannot Give You Back Your Reputation. The main reason cyber insurance isn’t a substitute for security is the fact that it can reimburse costs, but it can’t make people forget that a breach occurred under your watch, or that their information was put at risk after your business was trusted with it.

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What Is Business COBRA Insurance? | Fora Financial Blog

Details: COBRA Individual Health Insurance Plans. COBRA individual health insurance plans can be very beneficial to employees who stop working for you. It eliminates the need for them to find new insurance coverage right away. They can simply sign up for COBRA and stay on with the same insurance company and plan.

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How to Choose a Business Life Insurance Policy | Fora

Details: Types of Life Insurance for Business Owners. Before selecting a life insurance plan, you should weigh the different options that are available to small business owners. For instance, term life insurance is less expensive than permanent policies that build cash value because a term policy ends on a date certain (assuming the insured is still alive).

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4 Types of Insurance Small Business Owners Should Pursue

Details: General Liability Insurance. General Liability (GL) insurance protects against claims that your business caused an individual harm. General Liability insurance can cover the legal fees that stem from a third-party lawsuit claiming that there was an injury to a customer. It can also cover any operational costs caused by the issue.

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What Are the Costs of Opening a Construction Business

Details: Insurance. After you’ve addressed the preliminary paperwork, you should review the types of business insurance you need. Whether you should purchase general liability, property, and vehicle insurance depends on different factors, such as the employment status of your workers and the nature of the work itself.

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Transportation Financing and Loans | Fora Financial

Details: Transportation financing is used by trucking businesses, limousine services, and other similar businesses. Learn more about how transportation loans work.

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8 Tax Deductions Your Business Should Be Aware Of | Fora

Details: Generally, your insurance provider will be able to tell you if the specific type of insurance that you’re purchasing will be eligible for a tax deduction. 6. Marketing and Advertising Expenses. If an expense is incurred through the ordinary course of doing business, it will usually be tax deductible. Due to this, it’s important to track the

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Medical Business Loans & Financing | Fora Financial

Details: As medical regulations, policies and insurance provisions change, it’s important to maintain a steady cash flow to manage day-to-day operations. Fora Financial has worked with various company types in the health care space seeking medical business loans, providing them with financing from $5,000 to $500,000.

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Do You Need Business Flood Insurance? | Fora Financial Blog

Details: Obtaining business flood insurance can give you peace of mind as a business owner, and reduces the chance that flooding would causing further damage to your revenue and operational capacity. Before purchasing this type of insurance, compare the best flood insurance companies to get the right policy. How Floods Can Affect Your Business

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Choosing the Right Small Business Health Insurance | Fora

Details: Health insurance is a topic that seems to be constantly in the news. Whether it’s the cost of premiums or the latest administration’s attempts to repeal ‘Obamacare,’ it’s become a big talking point for small businesses.

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Break Even Analysis: A Quick Overview - Fora Financial

Details: Fora Financial is a working capital provider to small business owners nationwide. In addition, the Fora Financial team provides educational information to the small business community through their blog, which covers topics such as business financing, marketing, technology, and much more.

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5 Tactics To Protect Your Business From Litigation | Fora

Details: Choosing business insurance is a complicated process. The choices themselves aren’t necessarily complicated. It’s in knowing which ones you need for your business. The wrong coverage will create a false sense of protection, which is illustrated by the online company KissMetrics. The company was sued for privacy concerns.

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8 Unexpected Expenses In Food Service Businesses | Fora

Details: Having the proper insurance can help you stay in business. Work with a qualified insurance agent who’s familiar with the intricacies of food service liabilities. Describe as many scenarios as you can think of to ensure you get the coverage you need. Ask about how you’ll be covered should each of the scenarios occur.

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10 Business Types With The Lowest Profit Margin | Fora

Details: Hospitals often mark up the costs of equipment and supplies. They also tend to mark up costs charged to insurance companies. These costs don’t translate to the suppliers. The manufacturers require specialized equipment with a well-trained staff of medical practitioners and researchers. These come at a high cost, which also eats into the margins.

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How Your Employees Feel About Retirement Benefits | Fora

Details: Health insurance was named by 81 percent of workers; Retirement plans: 62 percent; Vacation or PTO: 57 percent; Dental and vision coverage also got the thumbs up from over 30 percent of workers, but no other benefits were named by more than 7 percent of survey respondents.

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How to Develop A Business Continuity Plan | Fora Financial

Details: While insurance may take care of some losses, it won’t protect against lost customers, market shares, and other crucial components. Continue to Profit: Most organizations strive to maximize their profits. If your business has a strategic continuity plan in place, profit loss will be less of a concern during a disaster. Your employees will

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How to Plan a Grand Opening Event | Fora Financial Blog

Details: Small business insurance is designed to protect your business in the event an injury or other type of damage occurs on your business’s property. The Insurance Information Institute suggests all businesses have liability insurance , property insurance, business vehicle insurance, and workers compensation insurance at a minimum.

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How to Understand Unearned Revenue | Fora Financial Blog

Details: While unearned revenue can come in many forms, the most common examples of it include prepaid insurance, service contracts, and subscription payments. Since more and more businesses are transitioning to subscription and membership models or pay-in-advance models, unearned revenue has increased in popularity.

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Top Options: Disaster Relief for Businesses | Fora

Details: Nationwide, a national insurance company conducted a survey of small businesses in late 2015. They found that 75 percent of small business owners didn’t have a disaster recovery plan. And, according to the Insurance Institute for Business & Home Safety, 25 percent of small business do not reopen after a major disaster.

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Bakery Business Testimonial | Carlisle Bakery | Fora Financial

Details: As the bakery began to grow, so did the bills, such as payroll, tax, insurance and the need to upgrade equipment. A Piece of Mail. Unable to serve all the customers he was gaining, it was time to invest in a walk-in freezer. Unfortunately, John didn’t have enough money to purchase the walk-in freezer. He was interested in receiving additional

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SBA Loan Underwriting Process | Fora Financial Blog

Details: Other supporting documentation, such as insurance documents and other legal or financial documents that could support your application. This package of documents is your first impression with the lender — make it count. In addition, ensure that you have multiple copies, just in case.

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How a Cleaning Service Business Can Use Financing | Fora

Details: Another important cost is insurance, especially liability insurance. This is vital to protect you from claims of customers (and employees). Other back-office costs are those for accounting, legal services and management. Your periodic expenses normally include rent, utilities, insurance (if not prepaid), payroll and taxes. When cash flow runs

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Damage Control Tips for Your Business | Fora Financial Blog

Details: Fora Financial is a working capital provider to small business owners nationwide. In addition, the Fora Financial team provides educational information to the small business community through their blog, which covers topics such as business financing, marketing, technology, and much more.

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12 Small Business Startup Costs You Should Expect | Fora

Details: Insurance. Just like you protect your health, car, and house, your business needs protection too. There are several different kinds of business insurance, and depending on your business’s industry and other preferences, this could save you money and stress in the future. Next Steps: 1. Understand Recurring vs. One Time Costs

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The 6 Best Business Blogs for Financial Information | Fora

Details: Fora Financial is a working capital provider to small business owners nationwide. In addition, the Fora Financial team provides educational information to the small business community through their blog, which covers topics such as business financing, marketing, technology, and much more.

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Customer Service Mistakes That Hurt Businesses | Fora

Details: In this post, we’ll explain six common customer service mistakes that could destroy your business. Avoid these actions when interacting with your customers, so that you don’t risk your business’s future.

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5 Tips for Construction Companies That Need Equipment

Details: However, you’ll have to pay higher interest and insurance rates than you would with a purchase. You also place yourself at risk of serious penalties if you break your lease early. Make sure you have a grasp on both the positive and negative aspects of leasing before you commit. 4. Expand the Scope of Your Search

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The Importance of Loss Prevention in Retail Businesses

Details: Fora Financial is a working capital provider to small business owners nationwide. In addition, the Fora Financial team provides educational information to the small business community through their blog, which covers topics such as business financing, marketing, technology, and much more.

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What You Should Know About USDA Business Loans | Fora

Details: Lending, investment, and insurance companies; Projects involving more than $1 million and the relocation of 50 or more jobs; Agricultural production, with certain exceptions; Distribution or payment to a beneficiary of the borrower or an individual or entity that will retain an ownership interest in the borrower; Lines of credit; Owner-occupied

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How to Choose the Perfect Vehicle for Your Business | Fora

Details: There comes a certain point when running a business with a soccer van doesn’t cut it anymore. Not only should the car reflect your company’s image, but also reliably transport staff, customers, and products where they need to be.

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Lead Validation In Internet Marketing | Fora Financial Blog

Details: Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

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7 Ways to Use a Loan for Your Pawn Shop | Fora Financial Blog

Details: When choosing a pawn shop insurance plan, you should make sure the plan covers stolen items, weather related-disasters in your geographic area, and other issues covered by insurance. Insurance is important for any business, but especially for pawn shops in which the merchandise can be valuable, expensive, or even impossible to replace. 3.

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How to Use a Loan for Your House-Flipping Business | Fora

Details: Taxes, insurance, and legal costs are often not the first thing people think of when they consider flipping houses for a profit. However, these costs are necessary and must be part of your budget. For instance, you’ll need to pay for work permits and property insurance , which can vary based on the area the home you’re working on is located in.

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PPP Loan Forgiveness: What You Should Know | Fora

Details: Unemployment insurance forms; Proof of rent or mortgage payments; Proof of utility payments that indicate your business was fully operational before February 15, 2020; PPP Loan Forgiveness Pitfalls to Avoid. To increase your chances of being eligible for PPP loan forgiveness, it’s in your best interest to avoid these common pitfalls. 1.

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