Showing posts with label Small. Show all posts
Showing posts with label Small. Show all posts

Creating Online Applications For Small Business Loans




Within this article today on creating online applications for small business loans, we'll look at a couple of different websites that you apply for business funding. The first thing that you must remember when doing online applications is to see how much money you will realistically need. This is done primarily by looking at the overall needs for your business and the state of your business.





The first website that we came across when looking at creating online applications for small business loans is: http://www.businessfinance.com/small-business-loan-online.htm. This is a very simple site yet very powerful because it can link you with so many different lenders depending upon what your capital needs are. The different categories of small-business loans that you can look into are: equity investments, working capital, commercial finance, equipment finance, small business loans, and commercial real estate loans. The truly powerful nature of this is that with different categories, you can break down your borrowing needs because each business has different needs and may need a different source of capital. For the business that will routinely use money to buy inventory that is quickly sold off, you'll often want to look more for working capital. If you're looking for some sort of purchase of a building and land, you'll often want to look for commercial real estate. If you're looking to buy equipment that will ultimately going to equipment finance. You should spend a little time if you are not aware of what type of category your small business loan and financing needs are to learn what is going on here. A description is given in good detail about each particular category. This website offers free quotes so that you do not have to worry about putting an application right away. No such time frame is given as to how quick the turnaround time is for your loan application.





Another website that we came across when looking at creating online applications for small business loans is: http://www.americaoneunsecured.com/. This is one lender dealing with mostly unsecured lines and loans for small businesses. Turnaround time for America One is from one to three days. This lender focuses upon your personal credit. The difference between this website and the one listed above is that the website above is an intermediary which can help you with many different lenders whereas this paragraph is about one lender. We have never worked with this company before so we cannot guarantee everything that is associated with this company but they seem to be credible from what we read on their website.





Hopefully this information will help you in creating online applications for small business loans. There's a great deal of information given online and you will need to see where your business is at and what your business financing needs are now and what they could be in the future, given the type of growth that you may or may not have. The first website will allow you to potentially compare what many different lenders have to offer, which could be to your benefit. Each lender will have different requirements so be sure to ask questions.


Creating Small Business Loans Online




There are many different ways to finance your small business and the focus of this aticle today will be to help you in creating small business loans online. Depending on what stage you are at with your small-business, you may have different financing needs than other small-businesses.





The first website that we would like to point you towards in creating small business loans online can be found at: http://www.businessfinance.com/small-business-loan-online.htm. This website is very good because it can help you decide what particular source of financing that you need, depending on where your business is at financially and growth-wise. This website does give different descriptions on the different types of financing available for small businesses so that you can better characterize what type of small business loan you should apply for. This website serves as an intermediary for roughly 400 lenders and the website also has a tool which can help you determine how much money you might need to borrow. Each lender will be different as far as its requirements but this website does seem to keep in mind what each lender requires. This is going to be your best source of information as far as any websites that this author has seen for websites dedicated to creating small business loans online. It is hard to compare this website with the second website that is listed here because the second website is a direct lender whereas this website is an intermediary between you and the actual lenders.





The second site that also has great deal of information when helping you in creating small-business loans online is http://www.americaoneunsecured.com/loans/FastLoan.aspx. This website does offer you a very fast turnaround time in regards to approval or denial so that you know if you need immediate financing, this may be the company that you want to turn towards. Their turnaround time as listed on the website as one to three days. This small business loan can be in the form of unsecured debt so you do not necessarily need to use the equity in your house or anything else that you own as collateral for this.





Remember that as you're looking around when creating small-business loans online, take your time to make sure that this small business loan fits what your business needs. Many people look for business financing but may not necessarily need the funds. You want to take a close look at your business plan and if you have any doubts, call your local banker and ask him or her if they can take a look at what you're doing and if this makes sense. There's no need for you to rush into any sort of loan that does not make sense for your business in the long run. Growing a small business is very difficult as proven by the fact that most small businesses fail within the first five years so if you are succeeding in growing, make sure that you continue this trend by not over-leveraging yourself in this can include financing. Hopefully this article has helped you in learning how to create small-business loans online and where to look for information.


WRSV4400N Security Appliance For Small Business Networks - Should You Upgrade?


When you build a small business computer network, typically the main concern is having high-performance and secure network. Unlike home computer network where security is the last thing you probably concern, in small business computer network - security must be given a serious attention in protecting your valuable information business assets against any internet threats.

With lack of security expert, one of the easiest and affordable ways to protect your small business network is by implementing a wireless security appliance, or network security appliance, or UTM appliance. Cisco WRSV4400N is one of wireless security appliance available in the marketplace you can consider to deploy in your small business network.

Cisco WRSV4400N is a complete device for your small business infrastructure including wireless and wired network. It's a high-speed and secure wireless security firewall.

Wireless Networking

Cisco WRSV4400N is powered by wireless -N (draft 802.11n) technology with 3 Omni-directional 2-dBi gain external antennas with MIMO (Multiple-in Multiple-out) technology for longer distance range and better performance. The router is compatible with wireless -b/g/n devices. Wireless security connection using industrial Wi-Fi Protected Access (WPA) and Advanced Encryption Standard (AES) WPA2.

Not just wireless encryption, the Cisco WRSV4400N supports up to 4 SSIDs for secure guest access. With secure guest access, you can segregate different security boundaries for different groups of users. With your business partners or business visitors who might frequently come to your office, providing them wireless internet access with their laptop is safer without compromising your system.

Wired Networking

Cisco WRSV4400N wireless security firewall is embedded with four Gigabit LAN Ethernet ports for reliable high-speed data transfer. And the beauty with this router is that it supports up to 4 VLANs you can configure to meet your security policies. You know that communication between VLANs require layer-3 device which is a router. Cisco WRSV4400N supports inter-VLAN communications. Not just that, with your VLANs you can map SSID-to-VLAN with wireless client isolation.

Security Features

Both of multiple VLANs and SSIDs are important features for this wireless security router with regards to the network security. Like other ordinary wireless routers, Cisco WRSV4400N also supports security features such as ACL, MAC address control, Firewall SPI and NAT, content filtering, and Intrusion Prevention System (IPS).

Security is very expensive, regarding content filtering - you cannot just rely on the static URL or keywords blocking because un-healthy and harmful websites out there are growing rapidly each months. You need to have a way to update the black-lists automatically - you cannot do it manually and yet you don't know which ones. This is what Cisco would like to get more revenue not just once but in a yearly basis. WRSV4400N wireless security router supports the optional dynamic filtering through Cisco ProtectLink Web security service. Not all Cisco routers support this ProtectLink security solution.

Cisco also introduces new wireless security router - the RV-120N firewall router. The price between the WRSV4400N and RV-150N is nearly the same. But both security routers have some major differences as follows:

Firstly, the difference between the two is the wireless technology. WRVS4400N is still powered by the draft version of 802.11n technology, but RV-120W is powered by the final version of 802.11n. Some people might thing that this is a big different, but it is not. There are only several options updated from the draft version to the final version of 802.11n standard.

Secondly, the WRVS4400N supports Gigabit Ethernet ports but RV 120W doesn't. If you demand reliable high-speed wired connection, you should choose WRSV4400N.

Thirdly, the number of VPN tunnels the routers can support. If you require more VPN tunnels, you can choose RV 120W (10 remote clients and 10 site-to-site tunnels). WRSV4400N supports only 5 remote clients and 5 site-to-site tunnels.

And lastly is about the optional Cisco Protect-Link services support. WRVS4400N router supports Protect-Link but RV-120W doesn't. Should you require dynamic content filtering services - choose the 4400N router. But you must pay in a yearly basis for the services.

Security is expensive, but it is worth for your valuable business assets protection against any threats.

By Ki Grinsing




Ki Grinsing was graduated from ITS-Surabaya with MCSE and CCNA certifications. You can read the articles here WRVS4400N wireless security router and small business network security.




Network Security Survey - Small Business


Many of today's small businesses use PCs and a server network to facilitate their operations. Important company information is stored in electronic format on these networks, and daily operations are dependent on the network being both available and secure. In many cases, these small businesses ignore or are unaware of the risks that could compromise the safety of the data. To better understand these issues, two hundred of these small businesses were interviewed about their network security. Companies ranged from those with ten employees or less, to those with over a hundred staff members.

Over half of the survey respondents believed that their network was adequately safe or very secure. A large number of respondents did admit that they doubted their defenses against an attack. This isn't too surprising, as nearly all businesses have experienced some type of security threat in the last year, from lost computers or back-up takes, hacker attacks, viruses, or theft by employees.

The top three threats reported were:

1) Trojan horse or virus attacks

2) Stolen or lost computers, including data storage devices

3) Employee theft or hacker attack

Company defenses reported include:

1) Virus Protection

2) Firewall

3) Spyware Protection

4) Spam Filters

Recommendations:

Most companies reported that they lacked a smart password policy, automated patch management, and employee network use policies. Generally, many of these businesses don't have full protection against an attack, and have not yet had to put their defenses to the test.

There isn't one single fix to ensure secure continuity of operations on a network. However, we recommend a layered approach in managing these pressing security threats. This layered approach examines vulnerability in different areas including hardware, software, processes, and training. Every layer added another level of protection to the information environment.

1) Blocking network-based attacks

2) Blocking host-based attacks

3) Eliminating vulnerability

4) Supporting authorized users safely

5) Tools for maximizing effectiveness and minimizing losses

To assure the continuity of your business operations, regular testing of these security measures is required.

Level of Overall Security:

Over half the respondents stated that they thought their network was secure enough or better. 30% of the remainder thought their network was only somewhat secure, and over 10% confided that their network was not as secure as it should be.

These small businesses tend to believe that their network is relatively secure: 63% of businesses with less than ten employees and almost 75% of those with between eleven and twenty-five staff members. The larger companies were not as sure of their defenses, with over half of those with fifty to one hundred and 44% of those with over a hundred employees felt secure or secure enough. In the fifty-one to one hundred staff category, over 20% reported that the network was not as secure as should be. In general, the bigger the company, the larger the network - and the greater the number of security risks it must defend against.

Experienced Threats:

The respondents reported on security lapses or attacks that they'd experienced over the last year. The survey showed that Trojan horses or virus attacks are the most common threat to the network, with about half reporting experiences with these issues in that time. The larger companies reported at 40%, the lowest rate, which is indicative of better defenses. Over 60% of the smallest companies reported virus-based attacks. Loss of company information from theft or loss of storage devices appeared to be a minor threat for smaller companies, but this risk increases with company size. Over 33% of the larger firms reported this sort of experience. Hacker attacks were most often experienced by firms with less than ten employees and those with over a hundred. It seems the smaller networks are more vulnerable, and the largest ones are high-profile, with a greater chance of becoming a target. Unfortunately, staff members can create a security risk themselves; about 10% of businesses reported that they had experienced unauthorized access or theft in the allotted time frame.

Devices and Procedures:

Good procedures, processes and systems can help defend against security threats. In the survey, respondents were asked which security methods were in use. Most reported that they had virus protection and firewalls. Around 25% lacked spam filters and spyware removal, leaving networks open to malware which ranges from dangerous to annoying. Under 50% have patch management or a smart password policy in place. This smart password system uses passwords with a mixture of normal and special characters which are frequently changed. As compared to the largest companies surveyed, smaller businesses are less-often implementing network use policies for employees. Over 80% of the larger companies have defined guidelines for proper and improper network use. These guidelines attempt to lower the amount of network activity unrelated to the business, which result in increased security risk. Many of the respondents use wireless networks. Wireless networks are some of the most vulnerable access points if not well-secured. Only a few companies reported that they use all the top-priority security measures listed in the survey.

Testing:

No security device or feature can be known to provide real defense until it's been tested. Anti-virus specifications could be out of date, a hole could exist within a firewall, or staff members could not be using the correct practices for a safe and secure network. About 25% of respondents indicated that either they couldn't remember the last time they tested their security, or didn't know that they ever had. This seems to indicate that while many have implemented security defenses, they can't be assured that the expected protection is actually provided. The very smallest companies least-often tested their security measures. About 10% of businesses had tested security, but not for over a year. As the threats change over time, dangerous lapses can occur without periodic testing. Around 33% of respondents reported that they'd tested their security measures within the last month. Validation of network security elements on a regular basis is important to system integrity in an overall continuity plan. It is unfortunate that usually a company only examines its level of exposure after a damaging event which negatively affects the business.




Nick Pegley is a marketing expert with All Covered: Technology Services Partner for Small Business, providing information technology consulting and IT services in 20 major U.S. metro areas. Outsource your procurement, installation and technical headaches..




Small Business - Compliance Isn't an Option Any More


Small Business Under Attack

Every day criminals attack businesses. Whether you own or manage a small or mid-sized businesses, or a non-profit organization you are a prime target for crime especially identity theft. Smaller businesses don't have the resources to properly protect proprietary information so the shift to smaller businesses is occurring at a faster rate.

Here are the facts from a survey by the National Cyber Security Alliance:

� Only 28% of small businesses have formal Internet security policies

� Just 35% of small businesses provide any training to employees about Internet safety and security

� 86% of businesses have no single individual focused on IT issues.

As a result:

� 85% of payment card breaches occur at smaller businesses

� 81% of organizations subject to PCI standards have not been found compliant prior to the breach

� 83% of attacks were not highly difficult to perform

The shape of Internet crime is moving from more tradition forms of crime including Phishing or randomly collected passwords and login information to targeted attacks where cybercriminals are stealing and reselling data to other criminals.

Experts are predicting attacks on small and mid-sized businesses will grow in 2010. These attacks will grow in sophistication and complexity. Unfortunately, most small and mid-sized businesses aren't prepared for this kind of attack.

It is important for businesses of all sizes properly protect their customers and employees private information. It is important for two reasons:

1. To guard against customer and employee identity theft and other crimes

2. Avoid fines for not achieving minimum federal, state and PCI standards

Customer Protection Isn't An Option Any More

Our government and private industry have noticed this trend of increasing attacks on small and mid-sized businesses. They realized the only way to stop or at least slow this trend is to put the responsibility on the businesses. Over the last 10 years federal, state and industry have set up new rules and regulations to force businesses to secure customer and employee proprietary information or face huge fines or possibly jail time.

Businesses must take the steps to get compliant with the law and PCI standards. They must get serious about protecting their customer and employee proprietary information. Protecting this important information isn't an option for any size business any more.

Who must comply?

Here's a general rule: If your business collects, uses, transmits, or stores personal financial information about your customers, members or employees, you must comply with laws and regulations including PCI standards and the upcoming Red Flag compliance. Full compliance with the federal, state and PCI standards will prevent penalties, fines and security breaches. It will increase customer confidence and sells.

Meeting these tough regulations and standards is not easy to achieve, but it is rewarding. Many compliant businesses report full compliance has actually saved them time and money.

Smaller businesses don't know how they are going to meet these tough federal, state regulations and PCI standards. So, they are looking for assistance. There are many companies who offer assistance. Make sure you work with a company that has the experience and expertise while at the same time makes it quick and easy to meet the minimum recommended technical and administrative safeguards required for compliance with information security and privacy standards. The company should offer:

� Technical Safeguards

� Administrative Safeguards

� Security Breach Response

The right company should assist your business to meet all compliance standards and requirements. The company should work side by side to develop comprehensive technical and administrative safeguards required for your business to keep hackers and identity thieves out.

Your compliance to PCI standards and all other regulations will mean increased sales by increasing trust and loyalty with your customers. It will eliminate down time without you or your staff being sidelined by computer problems.

Most important, a good quality compliance company should walk you through all compliance requirements and assist in making sure you understand what need to be done to ensure they are met with a single, affordable program. This is a simple way for your business to meet or exceed federal, state and PCI standards and requirements for protecting your customer's and employees personal information against identity theft and fraud. It also shows your commitment to doing business the right way, with a genuine commitment to privacy, safety and trust.

In 2010, Smart business owners will work toward becoming compliant certified to save time, money and avoid those huge penalty and fines.




Warren Franklin has worked in the Internet security and identity theft protection arena for five years. He is regarded as on of the top security specialists in his company. You can contact him about business compliance and other computer security issues by e-mailing divpro123@comcast.net. More information on federal, state and PCI standards is available at http://www.completeinternetprotection.com/pcistandards.html




Small Businesses More Likely to Have Their Merchant Credit Card Processing Services Targeted


When recently surveyed, owners of small businesses overwhelmingly stated that they believed that their merchant credit card processing services were less likely to be targeted by cybercriminals than large businesses. Unfortunately, statistics don't support that belief and small businesses need to be aware.

Complacency is Dangerous

Because small business owners don't think that they are likely targets, many decline to spend the money needed to offer the best protection for their bank accounts and credit card transactions. The most effective protection will cost more, and proper training in the use of mobile terminals and data security takes time as well as money. Complacency is the best friend of thieves and they continually search for naive businesses that are most vulnerable.

Data Means Dollars

As a result of typically lax security measures in place at small businesses, cyber-thieves specifically target such establishments. These companies access the same data as larger business, bank account numbers, credit card numbers, employee social security information and so forth, but they do less to protect them.

It is not uncommon for crooks to get access to such information and clean out a small business's bank accounts in one transaction, leaving the business high and dry and owners wondering how it happened. In October of 2010 a small group of Ukranian Internet thieves were arrested for stealing $70 million from small and medium-sized US businesses.

Protecting Yourself and Your Business

There are a few essential ingredients you must employ if you want to ensure that you are using the best security for your business:

* Use the latest browsers; they offer the best security

* Establish policies related to who can use the Internet at work and when

* Create rules about off site Internet access of your company computers and servers

* Learn how to use the tools that come with your credit card services

* Stay current on security threats, changes and updates

While small businesses have some advantages in flexibility and customer service, they lag behind larger companies who have the money to invest in the latest and greatest technology, IT teams and advanced security systems for their Internet interactions. Spend time learning, researching, and identifying current threats and give your business a chance at success from the get go. This means that as a budding entrepreneur you need to take a more active role and pursue security for your merchant credit card processing aggressively - for your safety and that of your customers.




Michael Rupkalvis owns the Transaction group. The Transaction Group offers cheap credit card processing services and other solutions such as medical marijuana credit card processing for dispensaries throughout the United States.




Cyber-Attacks on Small and Medium Businesses Raise Information Security Concerns


Internet provides businesses an opportunity to create an online interface to showcase their product and services. Small and medium-size businesses are also increasingly adopting e-commerce to a reach a wider market. However, small and medium-size businesses largely depend on third party web hosting providers for security of their online channel. These organizations also face budgetary constraints in securing their networks from all prevalent threats in the IT environment. A recent survey by Symantec reveals online attacks and information loss as top business risk for small and medium-sized businesses.

Information security is crucial to inspire customer trust and to reap the benefits of e-commerce. Computer systems may also contain databases containing privileged business information. Loss or breach of such information may adversely affect the competitiveness of the affected organization. Again, information loss has huge financial implications for the affected organizations. Therefore, small and medium businesses must ensure information security.

Usually, large organizations avail ethical hacking services to identify and mitigate vulnerabilities in the IT infrastructure. Small and mid-size businesses must ensure that their service providers have the requisite firewalls, intrusion detection and prevention systems and data backup facilities. They must also identify, whether the web hosting service provider offers secure socket layer (SSL) for accepting debit card, credit card and net banking payments from customers.

Vendors of IT security products are now offering customized products, which cater to the price and security considerations of a small and medium business organization. Small and medium businesses must use those services, which offer protection from viruses and Trojans, spyware and malware and conform to payment card industry (PCI) standard requirements. The services must ensure e-mail and Internet security. Small and medium businesses may also benefit from the cloud computing solutions that facilitate a business to increase capacity, enhance capabilities and service upgrades. Small and medium businesses may avail the services of information security professionals to evaluate the strength of the security infrastructure and initiate measures to ensure information safety, confidentiality and integrity.




Information security professionals, ethical hacking




Cyber-Attacks on Small and Medium Businesses Raise Information Security Concerns


Internet provides businesses an opportunity to create an online interface to showcase their product and services. Small and medium-size businesses are also increasingly adopting e-commerce to a reach a wider market. However, small and medium-size businesses largely depend on third party web hosting providers for security of their online channel. These organizations also face budgetary constraints in securing their networks from all prevalent threats in the IT environment. A recent survey by Symantec reveals online attacks and information loss as top business risk for small and medium-sized businesses.

Information security is crucial to inspire customer trust and to reap the benefits of e-commerce. Computer systems may also contain databases containing privileged business information. Loss or breach of such information may adversely affect the competitiveness of the affected organization. Again, information loss has huge financial implications for the affected organizations. Therefore, small and medium businesses must ensure information security.

Usually, large organizations avail ethical hacking services to identify and mitigate vulnerabilities in the IT infrastructure. Small and mid-size businesses must ensure that their service providers have the requisite firewalls, intrusion detection and prevention systems and data backup facilities. They must also identify, whether the web hosting service provider offers secure socket layer (SSL) for accepting debit card, credit card and net banking payments from customers.

Vendors of IT security products are now offering customized products, which cater to the price and security considerations of a small and medium business organization. Small and medium businesses must use those services, which offer protection from viruses and Trojans, spyware and malware and conform to payment card industry (PCI) standard requirements. The services must ensure e-mail and Internet security. Small and medium businesses may also benefit from the cloud computing solutions that facilitate a business to increase capacity, enhance capabilities and service upgrades. Small and medium businesses may avail the services of information security professionals to evaluate the strength of the security infrastructure and initiate measures to ensure information safety, confidentiality and integrity.




Information security professionals, ethical hacking




 
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