Small Business Financing Tip: Discuss Risk In Your Business Loan Application

Today's Small Business Financing Tip: Discuss Risk In Your Business Loan Application - Every business has risk. When you apply for a business loan you must address this reality. If you do not discuss risk, the lender will think you haven't considered it. Show that you have thought about and planned for risks that could face your business. Even too much success can be a risk if you are not ready to handle it and you can't meet expectations.

Today's Featured Business For Sale Opportunities That Are SBA Pre-Qualified:

1.  Minneapolis, Minnesota based medical machine component manufacturer for sale - Manufacturer designs and builds close tolerance intricate and micro sized components, precision stamping dies, tools, and fixtures for the medical, electronic, telecommunication industries and U.S. Deptartment Of Defense. Features custom wire and sinker electrical discharge machining for a wide range of manufacturing companies. Financials offered to qualifed buyers.

General Information:
Facilities: State of the art equipment. Attractive lease.
Competition: Extremely close tolerance EDM is specialized and well insulated from off shore competition.
Growth And Expansion: ISO 9000 certified. Medical machining - rapid expansion opportunity.
Support/Training: Management willing to transition or stay with company.
Reason Selling: Owner is retiring.
Year Established: 1988.
Employees: 10.
Deal Structure: Price: $2,200,000, Adjusted Net: Call/Email. For details go to: http://www.usabizmart.com/businesses/116332.php

2.  San Francisco, California based upscale salon & spa for sale - This salon spa is a rapidly growing business, located in the premier shopping district in San Francisco. The business currently produces impressive monthly revenue of 120,000 (on average) in services with an additional 20,000 in products with 336,000 in adjusted earnings, still, the business is operating at only 55% of capacity and 60% of productivity (currently 8 stylist with capacity for 20+) leaving great opportunity for growth to the new buyer.

The salon spa has quickly become known for its luxurious specialty treatments, ultra lush treatment rooms and relaxing nail lounge. The spa has been nominated on a variety of websites such as Citysearch, Yahoo and Yelp as a "best of" for its exceptional facials, color highlights, massages and hair design.

The business was established in mid 2005 and has 5,500 square feet of space. The ample amount of space that makes up the salon and spa allows for a complete service offerings such as hairstyle, facials, nail treatments, massage, product retail as well as yoga all resulting in lucrative spa/salon package sales and loyal repeat guests. In 2006, over 15,000 guests visited the spa, 7,500 of which were returning. The business is SBA Pre-Approved. Deal Structure: Price: $899K, Adjusted Net: $336K. For details go to: http://www.bizben.com/listings/98973.php

* Note: These businesses have been business pre-qualified only - buyers of these businesses will also have to be pre-qualified - before SBA loan business purchase financing may be obtained. Approximately 32 different factors (buyer/seller info) are evaluated in the SBA loan process for business purchase loan financing.

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