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Fast, Affordable Small Business Financing | Funding Circle

Funding Circle was created with a big idea: to revolutionize the outdated lending system and build a better deal for small businesses. With one 6 minute application we can help you find the right financing options for your needs, from lines of credit to term loans, cash advance and even Small Business Administration (SBA) loans.

Actived: Wednesday Dec 2, 2020

URL: https://www.fundingcircle.com/us/

An Introduction to Small Business Insurance | Funding Circle

Details: CoverWallet is the first online insurance manager. CoverWallet’s mission is to provide expert-level concierge service to the 20 million underserved small businesses in the United States. Helping these businesses understand risk, so that they can buy the right insurance and manage it with ease.

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Fast, Affordable Small Business Financing | Funding Circle

Details: Funding Circle was created with a big idea: to revolutionize the outdated lending system and build a better deal for small businesses. With one 6 minute application we can help you find the right financing options for your needs, from lines of credit to term loans, cash advance and even Small Business Administration (SBA) loans.

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› Url: https://www.fundingcircle.com/us/ Go Now

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Paycheck Protection Program | COVID-19 Relief Loans

Details: State tax filings, payroll, and unemployment insurance forms; Copies of your rent or mortgage interest payments and leases showing the agreement began before February 15, 2020; and; Copies of utility payments and proof your services started before February 15, 2020. Please be aware that this list is subject to change.

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COVID-19: What Every Small Business Needs to Know

Details: Insurance Coverage Issues – Many businesses have business interruption insurance; Now is the time to contact your insurance agent to review your policy to precisely understand your coverage in the event of an extended incident. Changing Market Demand – There may be access controls or movement restrictions established, which can impede your

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Does Funding Circle offer payment protection insurance

Details: Investment through Funding Circle involves lending to small and medium sized businesses, so your investment can go down as well as up. Funding Circle Limited is authorised and regulated by the Financial Conduct Authority under firm registration number 722513.

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Funding Circle - Start your loan application

Details: You may purchase the required insurance through any insurance agency or broker and from any insurance company. Ohio Residents The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon

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Funding Circle Approved to Issue Paycheck Protection

Details: Since launching in 2010, more than 81,000 small businesses have borrowed $11.7 billion in Funding Circle’s four geographies — the UK, US, Germany, and the Netherlands. Investors on the Funding Circle platform include more than 100,000 retail investors, banks, asset management companies, insurance companies, government-backed entities, and

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Paycheck Protection Program - How it Works | Funding Circle

Details: Also, your portion of the payments for group health care benefits, insurance premiums, and retirement benefits. Taxes: State and local taxes you paid on employees’ compensation. Do not include: Payroll, income, and railroad retirement taxes. Compensation for employees whose principal residence is not in the U.S.

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Paycheck Protection Program Calculator | CARES Act Relief

Details: Payroll costs include: employee salary, wages and commissions; payment of cash tips; payment of vacation; parental, family, medical or sick leave; allowance for dismissal or separation; payment required for group health benefits (including insurance premiums); payment of retirement benefits; or payment of state or local tax assessed on employee compensation; and sole proprietor income or

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About Us | Funding Circle

Details: Sachin Patel leads the Global Capital Markets Group and is responsible for Funding Circle’s investor strategy. This includes the design, structuring and distribution of Funding Circle’s investment products to high net worth individuals, asset managers, banks, insurance companies, pension funds, national and supranational institutions.

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Business Loans Frequently Asked Questions | Funding Circle US

Details: Since launching in 2010, investors across Funding Circle’s geographies — including more than 90,000 retail investors, banks, asset management companies, insurance companies, government-backed entities, and funds — invested $12 billion to 90,000 businesses globally.

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Funding Circle: Fast, Affordable Small Business Finance

Details: The Coronavirus Business Interruption Loan Scheme (CBILS) is managed by the British Business Bank on behalf of, and with the financial backing of, the Secretary of State for Business, Energy and Industrial Strategy. The provision of this scheme should not be construed as an endorsement or warranty

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Business health insurance: coverage options and tax-saving

Details: Group health insurance. Group health insurance is the traditional option that you probably think of when it comes to employer-sponsored health plans. You can purchase a group insurance plan directly from an insurance company, with an insurance broker, or from the Small Business Health Options Program (SHOP) marketplace (if your business qualifies).

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4 Different Payment Methods For Your Small Business

Details: Samantha Novick. Samantha Novick is a senior editor at Funding Circle, specializing in small business financing. She has a bachelor's degree from the Gallatin School of Individualized Study at New York University.

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A Guide to Commercial Construction Loans | Funding Circle

Details: Construction loans can infuse the business with cash to cover payroll, taxes, insurance premiums or any other operating costs you need in order to operate. Placing a bid on a large project. Staying competitive may be one of your biggest challenges. Taking out a construction loan can provide you with funding you can sit on while you bid on projects.

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At a glance :: Funding Circle Holdings plc (LSE: FCH)

Details: The diversity of our investor base is testimony to the appeal of our value proposition. We've attracted retail and accredited investors, asset management companies, insurance companies, government-backed entities and funds - both public and private.

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31 Best Ways to Reduce Business Costs | Funding Circle

Details: Compare vendors for everything from insurance to furniture. You won’t know your options if you don’t shop around, and sometimes vendors will match a lower price. Value your time. Small business owners tend to have a very hard time evaluating and valuing their own hours, often their most important resource.

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Yes, your small business can offer employee benefits

Details: In just 15 years, the cost to cover 1 employee under group health insurance skyrocketed nearly 200%. That’s not pocket change. That’s not pocket change. Nonetheless, if you want to attract and retain the best employees (heck, even mediocre employees), you have to cough up the cash on this benefit.

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Ask an underwriter: What’s with all the questions

Details: Lenders can also request bank statements, personal tax returns, and legal documents like proof of insurance and incorporation certificates. Why do you ask so many questions and require so much documentation to get a business loan? Applying for a business loan is a big deal.

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A Guide to Balance Sheets and Income Statements | Funding

Details: Insurance; Taxes; Advertising costs; Travel expenses; Again, here’s an example of what your income statement may look like. One crucial thing to be aware of when drafting an income statement is the difference between revenues and receipts. Revenue is the money your business has earned during the reporting period.

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How Paycheck Protection Program Loans are Different from

Details: Payroll costs and employee benefits including group healthcare, insurance premiums, retirement benefits, vacation or different types of leave across parental, family, medical, and sickness-related ; Mortgage interest for loans that were in effect prior to Feb. 15, 2020 ; Rent for leases that were in effect prior to Feb. 15, 2020

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A Foolproof Guide to (Realistic) Financial Forecasting

Details: On the cash flow statement template that you downloaded above, look under Operating Expenses (Lines 11 through 25) for some common business expenses, such as accounting fees, advertising costs, wages, insurance premiums, and rent charges. Ideally, you’ll want to break down your projections for expenses into months for the next three to five

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Terms of Use & Funding Circle US

Details: You may purchase the required insurance through any insurance agency or broker and from any insurance company. Ohio Residents The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon

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What is a Personal Guarantee? - Funding Circle

Details: What is a Personal Guarantee? When a small business owner applies for a term loan, it is typically to make a one-time investment in a specific growth opportunity.This could be opening a new storefront, expanding or renovating an existing workspace, hiring new employees, or even developing new technology for the business.

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New Laws Affecting Small Business That Could Affect Owners

Details: Health Insurance Requirement Change There’s no longer a federal individual mandate, and you don’t have to pay a federal tax penalty if you didn’t have health insurance in 2019. However, in 2020, California, Rhode Island, and Vermont joined Massachusetts, New Jersey, and Washington, D.C. in adding state-level individual mandates to their

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broker Archives - Funding Circle Blog

Details: The business was formed in 2006 when Peter saw an opportunity to radically change the way insurance was transacted. Today, they have countless recommendations of how they’ve helped clients with their insurance needs; from motor insurance, to liability insurance and employee benefits to name a few.

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A PPP Loan Forgiveness Checklist: What You Should Track

Details: Payroll reports, federal payroll tax filings (Form 941), proof of benefits contributions for employees, and state tax filings, payroll, and unemployment insurance forms. Proof of rent or mortgage interest payments, along with copies of your lease or mortgage agreements.

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Funding Circle - The Peer to Peer lending marketplace for

Details: 4.7 We and other organisations may access and use (a) this information in order to prevent fraud, money laundering or other criminal activity (for example, by checking details on credit applications, for managing credit and recovering debt), (b) information recorded by FPAs from other countries, (c) checking details on proposals and claims for

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Small Business Workers' Comp: When and Why You Need It

Details: Small business workers’ comp is a type of insurance. It protects employees by covering their medical expenses and missed wages when they are injured at work, and it also protects small business owners from potential lawsuits.

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Employment Law: A 4-Step Checklist | Funding Circle

Details: Obtain and carry Worker’s Compensation Insurance coverage. Obtain and carry Disability Insurance coverage (required in California, Hawaii, New Jersey, New York, Puerto Rico, and Rhode Island). Provide Family and Medical Leave (see a breakdown of the Family and Medical Leave Act). Employment Law: Compliance

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What small business owners should know about Social

Details: Social Security taxes are often lumped together with Medicare taxes, which help pay for medical benefits for people who are 65 or older. Together, these are sometimes called Federal Insurance Contributions Act (FICA) taxes. However, we’re going to focus on Social Security taxes in this article. The Social Security tax rate

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Can my business pay back a loan early? – Funding Circle

Details: Investment through Funding Circle involves lending to small and medium sized businesses, so your investment can go down as well as up. Funding Circle Limited is authorised and regulated by the Financial Conduct Authority under firm registration number 722513.

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The future of underwriting: Algorithms vs. the human touch

Details: At Funding Circle, we take a data-driven approach to assessing the risks associated with lending. We have numerous methods of building statistical models that guide our underwriting by assigning a probability of default to each loan we review.

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Merchant Cash Advance Guide for Small - Funding Circle

Details: When speed is your number one priority, a merchant cash advance (MCA) could be a lifesaver. Many small business owners finance their business with merchant cash advances when time is short and money is shorter. Since MCAs aren’t technically loans, they don’t require the same strict eligibility

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What does it mean if a loan has a personal guarantee or

Details: Investment through Funding Circle involves lending to small and medium sized businesses, so your investment can go down as well as up. Funding Circle Limited is authorised and regulated by the Financial Conduct Authority under firm registration number 722513.

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A Complete Guide to Restaurant Business Loans | Funding

Details: A short-term loan may be a good restaurant financing option if you have a cash flow gap you need to fill quickly — such as paying insurance premiums or settling an outstanding invoice with a vendor. This type of term loan is better when you’re able to repay it in less than a year.

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A Step-by-Step Guide for Drafting an Employment Contract

Details: An employment agreement is a legal contract that establishes a formal employment relationship between an employer and an employee. In most states, an employee who is hired without a written employment agreement for a definitive period is considered an “at-will employee.”

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Inventory Financing with Term Loans | Funding Circle

Details: This is an insurance policy for the lender, assuring them that the inventory you’re purchasing has a substantial enough resale value in the event that you default on the loan. The lender may also ask for a detailed report outlining your typical inventory turnover rate.

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How to establish business credit as a sole proprietor

Details: Establishing credit early on, before you need it, can prove to be a significant advantage, as lenders, insurance companies, vendors and suppliers, and even potential clients or business partners may check your business credit. Here's how to establish business credit as a sole proprietor.

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A Guide to Business Loans for Sole Proprietors | Funding

Details: For example, you may use a short-term loan to cover payroll or pay insurance premiums, while a long-term loan could help you expand into a new location or add to your existing product line. 5. Personal loans for businesses. In some cases, you may be able to use a personal loan for your business. This tends to be most appropriate if you’re

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An Ultimate Guide To Starting A Medical Practice - Funding

Details: Insurance companies will usually inquire about your medical education, residency, and licenses. Depending on the state you’re practicing in, they may also ask to see proof of your malpractice insurance. The insurance programs you choose will depend on your specialty and the area where you’re looking to start your own medical practice.

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Bounce Back Loan | Bounce Back Loan Scheme (BBLS

Details: *Some activities/sectors are excluded, including the state funded education sector, insurance providers (other than insurance brokers), and deposit taking banks. You must also confirm during the application, that if your business was considered in difficulty on 31/12/19, that it is not in breach of de minimis State aid restrictions.

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Funding Circle appoints new Global CFO - Funding Circle

Details: During the financial crisis, Bennett acted as a senior adviser to the Financial Services Authority and HM Treasury. He was responsible for designing the £800 billion Asset Protection Scheme that provided insurance to all UK banks in 2008 and became the first CEO of the Asset Protection Agency, created by HM Treasury to oversee the scheme.

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Small Business Owner's Guide to Tax Season | Funding Circle

Details: Insurance: Most insurance premiums are considered business expenses and can be deducted, although some vehicle and life insurance premiums may not. If you own a sole proprietorship, partnership, or S-Corporation, you may also be able to deduct premiums paid for you and your family’s health insurance.

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A Physician's Guide to Medical Practice Loans - Funding Circle

Details: This acts as an insurance policy for the lender, which encourages them to make loans available to eligible businesses. Qualified borrowers can get up to $5 million in funding through the 7(a) loan program. Rates are competitive and similar to term loans, you can use the loan proceeds to meet virtually any need.

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How to calculate the cost vs. benefit of hiring - Funding

Details: Health insurance, payroll tax, and worker’s compensation insurance are all factors, as are benefits like paid vacation and bonuses, which go a long way in retaining good employees. After factoring in employment taxes and benefits, most employees end up costing anywhere from 1.25 to 1.4 times their base salary .

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5 of NYC’s Oldest Businesses Still Standing

Details: Small business health insurance: health coverage options and tax-saving opportunities. Growth and Operations. Take your business further. Apply now. Sign up for Funding Circle newsletter! Get our latest news and information on business finance, management and growth. Fast, Affordable Business Loans: Learn more

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5 Things You Need to Know When Negotiating a Commercial Lease

Details: Triple Net (or Net-Net-Net) Lease – the tenant is responsible for property taxes, building insurance, and maintenance. Also, be aware of what “percentage rent” clauses are and how they might affect your business. A percentage rent clause is extra rent paid to the landlord based on a percentage of your monthly or annual gross sales.

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The Ultimate Guide to Setting Up a Small Business

Details: In 2016, 26% of U.S. workers had less than $1,000 saved for retirement. And it’s not just workers; it’s also business owners, freelancers and independent contractors. According to the Freelancers Union, a non-profit providing advocacy and health insurance to its members, there are an estimated 54 million independent workers.While millennials get credited for being the driving force of

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Funding Circle Launches Pre-Application System for

Details: Since launching in 2010, more than 81,000 small businesses have borrowed $11.7 billion in Funding Circle’s four geographies — the UK, US, Germany, and the Netherlands. Investors on the Funding Circle platform include more than 100,000 retail investors, banks, asset management companies, insurance companies, government-backed entities, and

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