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Is Your Business Bank Bankable? Are you happy with your bank? Do you consider what you pay in fees to be a good value for the services received? Do you consider your bank to be a source of support for your business? If the answer to any of these question is "no" or "maybe," read on. The choice of a bank is a serious decision in our personal and business lives and size matters, whether you maintain a business or personal account with the bank. The expected needs of the individual or the business must be considered when choices are made. Banks have become both expensive and competitive over the past couple of decades and you owe it to yourself to get your needs met in exchange for the favor of allowing the bank to hold your money and collect the fees you pay for that convenience. In your personal life, you will want to buy or refinance a home, make home repairs and upgrades, or finance your child's education. As a business owner or Solopreneur consultant, you may have equipment or technology upgrades to finance, or growth and expansion plans that will require outside financing. Whatever your financial plans, a helpful banker will provide crucial advice and facilitate access to capital, so that you will realize your goals and fulfill your obligations. How should Solopreneurs and business owners choose a bank? A good way to start is to identify two community banks, two regional and two large national outfits and pay each a visit. Walk in and ask to meet the business banker, who is also usually the commercial loan officer. If you need an appointment, make one, so that you will have time to talk. Tell this individual about your business, about plans you have on the drawing board and your projected banking services and/or financial needs. How can the bank augment and support your plans? What insights and suggestions does the banker offer you? If business credit is a priority, ask these three questions: What is the amount of the credit line that the business banker can personally approve? Does the bank offer SBA loans and is it a Preferred SBA Lender and able to approve and underwrite such loans independently? How much SBA loan business is done and what percentage of applications are approved? Below are general guidelines to consider as you re-think the banking needs of your business venture. Remember to ask about merchant credit card processing fees for both in person, online and mobile transactions if you accept debit and credit cards. Community banks Appropriate for Solopreneurs and small or medium size businesses Fees can be high as compared to larger banks Online or mobile banking technology might be slow or not comprehensive Service is typically excellent. This is old-fashioned banking. Customers are taken care of. The tellers and managers know you. Loan decisions are made locally. The loan officer knows you and your business. S/he want to help. Your character will count. Regional banks Appropriate for small to medium size businesses that plan to grow Fees are about average Online and mobile banking technology will meet expectations, the basics will be available Service is usually good, the regionals are capable of delivering personalized service Loan decisions will be made with an eye to the local economy, along with what your financial statements indicate about your ability to repay National banks Appropriate for medium to large businesses that do out-of-state and/or international business Fees are usually the lowest available, the result of economies of scale Online and mobile banking technology will be the most cutting-edge available and banking can be almost entirely done online Service is often impersonal because staff turn-over is often high. No one knows you for long. Decisions are not made locally at the branch level. Loans are issued strictly by the numbers, the manager will not be able to give you the benefit of the doubt. Thanks for reading, Kim Kim L. Clark is an external strategy and marketing consultant who brings agile skills to the for-profit and not-for-profit organization leaders with whom she works. Please visit http://polishedprofessionalsboston.com to learn how your organization can achieve mission-critical goals when you work with Kim.

Many businesses love their old software and do not want to change them. They buy a cheap Accounting or an ERP software that meets their business requirements when they were making USD 1M. Now they want to use the same and make it run as the business has grown to US$10M. As their business need changes to meet Sales demands or CRM needs, they buy additional software and spend huge money to integrate the new technologies to their old Software. Because they are not able to see the future growth and do not purchase a FUTURE ready ERP software. The challenge they do not understand is, they spend huge amount of money to run the old software, they keep IT personal to run and manage their hardware and server etc. This would lead to loss of business opportunity as the old solutions are not integrated together affecting customer services. Recently as part of our cloud ERP software sales, we met a US$100 million manufacturing company in India. During our discussions with the company management, we were sure that they are interested to go for a Cloud ERP Solutions. But the challenge was "can we customize the product to suit their business practices and needs?". This means, management wanted to retain and follow their 30 year old practices where they manually check the data, numbers even after these are generated from their current stand alone ERP. They wanted controls and approval at every stage of documentations. They were in dilemma, because their business had expanded and had operations in 3 large locations. But they wanted to continue with old practices as they are afraid that their "Old workforce" can't manage the pressure. They don't want to change the legacy of the company Founder too. It gave us an opportunity to think what is happening here and our findings were as below. 1. Old practice: When the Founder started the business, he wanted to control every document movements and approved by him. It is OK as that time where the taxation rules were stringent, getting bank loan was difficult and Information / trade secret should be kept under wrapped. But as the business grown they added more people to do the manual document preparation and built "verification layers", but didn't automate the process and remove the old practices. 2. Fear of Unknown: Many senior employees worked as assistants to the Founder and gained his confidence and were promoted. The loyalty and "fear of unknown" didn't allow them to change the old practices. They followed "Boss is always right" model. 3. Don't fix anything unless it is broken: They didn't make any attempt to know what is happening around the world and they didn't trust anyone. This was the problem as they never sought after some of the best practices around the industry and made an attempt to practice and follow. They have an ISO9000 certificate, as it was essential to get the large company orders. They strongly believed that they follow a "World class practice". 4. Resources Cost is cheap, but now it is affecting the organization as the current Workforce did not follow the level of commitment and loyalty that was exhibited by senior employees. 5. New generation is looking to change the current practice, but are overruled by their parents who are more "experienced". So many young generations are forced to follow the old practices, as the senior workers never listen to them. 6. Data duplicity and entries were high as their current system is a combination of multiple solutions that are decentralised. 7. Founders and their family could not penalise the old workers even though they miss the deadlines or missing the compliance rules as they were loyal to business and had grown with the business. After analysing the above, we suggested the following with justifications. Because it is essential to be empathic to customer needs and see how can we help them? "We are happy to customize the ERP to suit your needs. But, before doing it, you should run our ERP "as it is" for 6 months. Post that we will take a decision on the next steps to follow". We justified this on why they should go for automation of an ERP and not to customize it to follow their old practice with below points. 1. A world class ERP solution brings some of the best practices used across the world. This could help them to improve the productivity, reduce wastage and improve inventory movements. 2. Cloud ERP brings in process automation, control and meets compliance needs as it is. No more last moment run and miss the compliance deadlines and pay a penalty. 3. It reduces the chaos and simplifies the process. 4. It brings in clarity to the process and Business Owners can see the right details at right time. 5. Competition is increasing day by day and Businesses need to be ready with right process to win the customers. Customers are the decision makers now as the information is freely available to everyone. 6. Government Rules and regulation have become stringent. Every county is co-operating with each other to find tax evaders. So it is not advisable to keep the Oral records or miss the bookkeeping. 7. Just because they are following a process for many years doesn't mean it is correct now. In summary, we won the deal being honest with this prospect and implemented our Cloud ERP Software as it is. Before starting http://www.AcTouch.com a Cloud ERP Solutions, I worked with software industry (Enterprise Resource Planning (ERP), Banking and Treasury Software products) for 20 years. Personally I do not agree to the software product licensing concept where OUR product is licensed to a customer to use it and in turn we make him an "IT Expert" to manage OUR software, take OUR database backup on his HARDWARE rather than RUN his Business for which he bought OUR software. Irony is, he PAYS money to TEST and IDENTIFY Bugs in OUR software and we collect the money as "Annual Maintenance Contract". So we developed a cloud solution, AcTouch.com, where customer has an option to use the product while we manage all software upgrades, regular DB backups and make sure that he runs his business without any problems. I normally write about MSMEs and their pain points that I encounter during my interaction. Everyday I learn from MSME Business Owners. I am an alumni of INSEAD Business School with a mechanical engineering background and this helps me to understand the business problems and their challenges. numbers credit card transfer credit card interest rates credit card interest gold card credit card online best rate credit cards credit card low interest visa card online online credit card how to apply a credit card 0 interest credit cards debit card numbers credit card transfer credit card interest rates credit card interest gold card credit card online best rate credit cards credit card low interest visa card online online credit card how to apply a credit card 0 interest credit cards debit cardard numbers credit card transfer credit card interest rates credit card interest gold card credit card online best rate credit cards credit card low interest visa card online online credit card how to apply a credit card 0 interest credit cards debit card