Murabaha Vehicle Finance: Qatar Bank Vehicle Financing Explained

Posted on October 15, 2011 by Admin

Are you looking for options in vehicle finance? Qatar banks might just be able to help you find exactly what you are looking for. At Barwa Bank, the newest retail and commercial Islamic banking facility in Qatar, you can avail of a murabaha vehicle finance product to help you purchase a car, whether to replace your old one that is becoming to be expensive to maintain or to add a new car for the family’s growing needs. To those who are new to the workings of finance products, it would be important to note that there are certain differences in the handling of finance products between conventional banks and Islamic banks. Understanding how an Islamic bank like Barwa Bank configures their vehicle finance products would give you an idea of what options and benefits you can enjoy with such murabaha vehicle finance products.

The Concept of Murabaha Finance

In offering vehicle finance, Qatar’s Islamic banks are bound by Islam laws and economic principles and are required to be Shari’ah compliant. According to these laws, individuals or businesses are not allowed to receive or render interest payments in relation to the granting of loans – Islamic banks are constrained to apply such principles by turning to murabaha in their finance products. This concept as applied to vehicle finance products results in what could be likened to a rent-to-own arrangement wherein the bank purchases the vehicle and sells the same to the bank customer at a profit margin agreed upon during the application process. The total cost at which the bank sells the vehicle to the bank customer is then paid by the customer for a pre-agreed term during which the bank cannot levy any more additional fees. The bank also retains ownership of the vehicle throughout the term of the finance agreement until the customer fully settles the amount financed.

Dedicated Vehicle Finance

At Barwa Bank, you can avail of a vehicle finance product that is dedicated to helping you purchase your new vehicle through an application process that is quick and easy and with flexible terms that are beneficial to you. Barwa Bank’s Shari’ah compliant vehicle finance product offers attractive profit rates on your vehicle of choice payable up to seven years with no other charges collected throughout the term of the finance agreement. As an added bonus, all vehicle finance customers are given free life insurance coverage for the financed amount. In processing an application for vehicle finance, Qatar’s Barwa Bank normally takes less than 24 hours to grant approval provided that all application and supporting documents required have been submitted.

If you are interested in Qatar banking then Barwa Bank could be the right banking choice for you. They supply high quality business banking in Qatar.

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How To Finance a Motel

Posted on October 14, 2011 by Admin

Motel Finance

 Buying a motel requires a motel finance specialist unlike traditional residential finance motel finance is a more sophisticated type of lending. Motel finance varies from location to size and type of building the general rule of thumb is for freehold motels you will need at least a 30% deposit, for a leasehold motel you will need 40-50% depending on the lease and other factors such as location net operating profit.

 

There are many ways of buying motels such as vendor financing part of the motel purchase, or the owner leaves significant equity in the deal with a recent valuation are the most common used when purchasing a motel. If you would like to discuss your motel finance needs with one of our motel finance specialist please leave your details below and one of are motel finance specialists will get back to you shortly.Motel finance brokers are experts in their field of lending for motels hotels resorts and management rights finance.

Talking to a motel finance specialists will help you understand the needs to finance your motel whether it be freehold or leasehold motel finance brokers will help you find ways around financing your motel.

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Even though you will most likely need 30% deposit to purchase a free hold motel for example to buy a 1250,000 freehold motel you would need 5000 however they maybe ways around this using part vendor finance silent investors or paying a higher interest rates motel finance brokers can put you in touch with the right people to achieve your dream of owning your own motel.Another way to buy a freehold motel is to on sell the rooms to private investors these types of investors may need to raise the funds using either cash or equity.

 

To attract these types of investors you need to find a motel that is beneficial to both you and your motel investors there is no point offering investors dismal returns as they will go elsewhere this type of investors usually look at 11%+ returns before even considering buying into to your motel and will usually want your or a purchasing partner to have at least some experience in running motels.

 

It is much easier to finance a motel if you have a partner who is already working in the motel industry and successfully runs a motel or motels, this would be the best option when first starting in the motel industry.

If you have no industry experience but enough equity to finance a motel, I would strongly suggest looking for a partner who already has some motel experience and may already have same contacts and get better deals for financing your motel.

 

In conclusion if you want to purchase a motel you might want to consider working for on a volunteer basis to get some industry experience and see if you really are suited to running a motel, depending on the size of the motel you may find you need more employees other then yourself as motels must be kept clean and always have a smile on your face when greeting customers.This will of course help in your application when applying for motel finance.

http://www.motelfinance.net.au

 

 

 

 

 

James Warry

motelfinance.net.au

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Info On Corporate Finance And Investment And investment Banking And Finance

Posted on October 13, 2011 by Admin

The field of corporate finance deals with the decisions of finance taken by corporations along with the analysis and the tools required for taking such decisions. The principle aim of corporate finance is enhancing the corporate value and at the same time reducing the financial risks of the company. In addition to this, corporate finance also deals in getting the maximum returns on the invested capital of the company. The major concepts of corporate finance are applied to the problems of finance encountered by all type of firms. Corporate finance group deals with medium and large corporate clients and offers complete solutions to meet our clients’ financial requirements. The management of corporate finance attempts to maximize the firm’s value by making investments in the projects that have a positive yield. The finance options for such projects have to be done in a proper manner.

            Achieving the goals of corporate finance requires that any corporate investment be financed appropriately. Management must therefore identify the optimal mix of financing-the capital structures that result in maximum value. Management must also attempt to match the financing mix to the asset being financed as closely as possible, in terms of both timing and cash flows. Many factors should be considered like investment objectives, policy frameworks, institutional structure, sources of financing and expenditure framework etc. There are various considerations where shareholders pay tax on dividends, companies may elect to retain earnings, or to perform a stock buyback, in both cases increasing the value of shares outstanding etc. Thus, the goal of corporate finance is the maximization of firm value. In the context of long term, capital investment decisions, firm value is enhanced through appropriately selecting and funding NPV positive investments. These investments, in turn, have implications in terms of cash flow and cost of capital.

            Investment banking is one of the most global industries and is hence continuously challenged to respond to new developments and innovation in the global financial markets. It deals with raising capital, trading in securities and managing corporate mergers and acquisitions. Investment banks earn profit from companies and governments by raising money through issuing and selling various securities. There are many investment banks operating in the field of investment banking and finance. Investment banks, or I-banks, issue securities, manage portfolios of financial assets, trade securities, help investors purchase securities, provide financial advice, and support services. Finance areas are responsible for an investment bank’s capital management and risk monitoring. By tracking and analyzing the capital flows of the firm, the Finance division is the principal adviser to senior management on essential areas such as controlling the firm’s global risk exposure and the profitability and structure of the firm’s various businesses.

            When raising capital for a firm, an investment bank is acting as an intermediary between investors and the issuer. Capital raised can come from private investors or from pools of capital obtained within the public markets. They also engage in numerous proprietary activities in the financial markets. Investment banks also provide merger and acquisition services, both on the buy and sell side of a deal. The buy side involves identifying and facilitating the acquisition of a target company, while the sell side involves taking a client company to market at auction and identifying and facilitating the sale to a high bidder or acquirer with a strong strategic fit.

            New products with higher margins are constantly invented and manufactured by bankers in hopes of winning over clients and developing trading know-how in new markets in the field of investment banking. Product coverage groups focus on financial products, such as mergers and acquisitions, leveraged finance, equity, and high-grade debt. Thus, investment banking and finance can be one of the best options for your investment management and capital structuring.

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Six Options for Financing Acquisitions

Posted on October 12, 2011 by Admin

When it is time to arrange the financing for an acquisition, it is important to be creative. When seeking money to buy a company, you will notice that a number of community banks, typically big funders of certain acquisitions, are encountering difficulty due to their degraded residential (builders) loan portfolio. Creativity can make the difference between accessing capital or canceling the acquisition, especially now when credit markets are tighter.

Here are some options for :

– Go to the seller first. Who is better prepared to finance the business than the person or company who owned it? They know the business better than anyone and are most familiar with its risks. In the current environment, you should be able to get 40-70% of the business financing via owner financing. You must convince the seller you are a good risk, just as you would have to convince a bank. – The target company’s suppliers and vendors are a good source of financing. Their business is likely to increase under your new ownership. (i.e., If you do not intend to grow the business, why would you buy it?) Leverage that growth in their business to negotiate for financing from them. If the target company has been a good customer, the supplier is knowledgeable about the business and will understand the inherent risks better than a typical bank. Note that if you are an existing business acquiring another business, you can pursue financing from your suppliers and vendors. The same reasons apply. – Mezzanine and private equity funds that serve the small and medium markets raised large sums of money before the market meltdown. They therefore have money to spend and are looking for great opportunities. With fewer people and companies making acquisitions right now even though multiples are very low, now is a great time to obtain mezzanine financing. The target company typically will need revenue of – million and higher and EBITDA of – 3 million and more to be interesting to a mezzanine or private equity fund. Why? These funds have to spend large amounts in a relatively short period of time (5-7 years) so they need larger deals. – If the target company has a lot of medium to long-term assets in addition to good cash flow and a strong profit margin, you should have relatively few problems finding bank financing. However, if you want to buy a service company which has a lot of receivables and other short term assets, you may encounter difficulty. Find a bank that has a history of financing the type of company you are buying. Also, talk to the seller’s banker. If the seller has a strong banking relationship, the banker will know the business well, increasing the likelihood that that bank will provide financing in order to retain the relationship and the itinerant deposit accounts. – If you find it difficult to obtain bank financing, pursue account receivables financing firms. They can provide term loans and lines of credits against the receivables. Although the interest rate will be higher, these firms are more familiar with receivables financing and thus often more comfortable with lending against receivables. – Approach the target’s customers and ask them to make a bulk purchase or pre-pay for several months’ or a year’s worth of products or services in exchange for a strong discount.

These are some acquisition funding options to stimulate your own creative thinking and approach. There are other alternatives, some of which may be unique to your particular business.

Tiffany Wright, small business advisor and author of Help! I Need Money for My Business Now!!, has compiled a number of easy-to-follow examples and case studies that will lead you step-by-step through the process of financing your business. In under 90 days you can rev up your company’s cash flow…without a CFO! Available at www.moneytogrowbusiness.com. Subscribe to her monthly newsletter: *Small Business Financing Forum*. Send an email to newsletter@tocafamily.com with ”Newsletter” in the subject and your name in the body.

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Finance meaning and types of finance

Posted on October 11, 2011 by Admin

In general term finance means management of money for your expenses. In broad term finance is the science of funds management. Finance includes saving money and often includes lending money. The general areas of finance are business finance, personal finance, and public finance. Finance is also a money budget management. The field of finance deals with how money is spent and budgeted. It also deals the concepts of time, money and risk and how they are interrelated. Finance is used by individuals as personal finance, by governments as public finance, by businesses as corporate finance, as well as by a wide variety of organizations including schools and non-profit organizations. Finance is the need of the today world economy.

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There are mainly two type of finance found in the current economy.
1. Personal finance
In this finance decisions may involve paying for education, financing durable goods such as real estate and cars, buying insurance, e.g. health and property insurance, investing and saving for retirement. Personal financial decisions may also involve paying for a loan, or debt obligations.

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2. Corporate finance
It is the task of providing the funds for a corporation’s activities. Corporate finance can easily categorized in two category. First one is Short term finance which generally involves balancing risk and profitability, while attempting to maximize an entity’s wealth and the value of its stock.

Long term funds are provided by ownership equity and long-term credit, often in the form of bonds. The balance between these forms the company’s capital structure. Short-term funding or working capital is mostly provided by banks extending a line of credit.

Another business decision concerning finance is investment, or fund management. An investment is an acquisition of an asset in the hope that it will maintain or increase its value.

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Owner financing-What?s in it for you?

Posted on October 10, 2011 by Admin

                                

 

Below are benefits of an owner finance house deal for both the buyer and the seller.

Benefits for the seller

Most of us want to pay as little tax as legally possible and getting a large sum of cash at closing requires us to pay a hefty tax bill either then or ultimately come tax time. Sellers can pay a much smaller amount of taxes by selling via owner finance or seller financing than if the seller went the usual all cash sale route. Let’s look below for some benefits:

A seller can most often receive the highest price when offering owner financing. Additionally it makes the house or property much easier to sell especially if the market is slow it will make this seller’s property stand out and thus garnering more traffic than if just traditional financing was offered. Often the seller can receive more than the fair market value of the property by offering these terms. People are always willing to pay more for easy qualify owner or seller type financing.

Because owner financing or seller finance terms are offered the chance of a sale increases dramatically since more people will be able to get the financing and can legitimately pursue the house purchase. In addition the seller may be subject to capital gains tax. In the case of a sale of a property using owner financing it would decrease the sellers tax burden immensely and spread it out over time plus quite possibly provide a nice monthly income.

You can close quickly as no bank financing is involved. Some financing can take months to get completed but in an owner finance sale you can usually close as soon as the title work is ready and inspections (if any) have been completed.

the Broker fee or commission from selling via owner finance as well.

There are several and many significant benefits for the seller but there are benefits for the buyer as well. Please see below.

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Benefits for the buyer

Sometimes when a buyer chooses this method of buying the interest rates can be much higher but the good news is that if you shop around for seller financing you will see there are plenty of good deals and remember “everything is negotiable”.

The buyer may want owner financing for more than just because they have bad credit and need time to rebuild it. It could be that they just started a new job or could be recently divorced etc the list goes on.
In today’s real estate market place it is difficult to get financing even with good credit and owner financing options are becoming quite popular regardless of the credit score. The buyer advantage here is easy qualifying usually just a down payment and the first month but of course this can vary and is negotiable varying as much as the sellers themselves.

An owner finance sale gives the buyer time to improve their credit rating by owning a home and making timely payments.

One of the biggest benefits for the buyer is not having to pay the costs associated with conventional loans. Points, origination fees, underwriting charges, appraisal, credit reports, title insurance etc etc charged by conventional lenders can amount to thousands of dollars at closing. The buyer usually does not have these type of expenses on a seller finance type sale.
A buyer can commonly close and move into their new home quickly usually within several days or a couple of weeks of contract signing since there are no banks involved. If you choose owner finance as the way to purchase your next home or to sell your house be smart and always engage the services of a “competent” real estate attorney!

www.nocreditcheckproperties.com Dan Joseph Expert owner fiance author of seller finance

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Small Business Financing Success with Realistic Choices

Posted on October 9, 2011 by Admin

The goal of being realistic when seeking new commercial loans and working capital financing will help commercial borrowers avoid a number of commercial finance problems. With proper preparation business owners should be in a better position to obtain new financing despite the difficult challenges impacting most working capital loans and small business financing. Nevertheless it should be anticipated that terms of financing will be different from prior commercial financing. Because of recent commercial lending difficulties, business owners actively assessing the most effective options for their small business finance decisions are likely to find the smoothest path to business loan success.

In view of volatile conditions which have recently impacted credit markets, this will not be a simple task. The extensive misinformation and confusion that there has been about business financing and working capital availability illustrates a common example of the problem. One of the most difficult challenges for commercial borrowers is obtaining more accurate information about what is realistically possible.

A number of harsh realities must be confronted by all small business owners when seeking to identify realistic choices in a confusing working capital management climate. For most current commercial financing decisions by business owners, there are several major factors to anticipate. In the first example, additional small business loan collateral is being requested by most commercial lenders. Second, many regional and local banks have discontinued lending for business financing and working capital. In a third example, businesses which are not currently profitable or not current in their debt payments will have extensive difficulties. For a fourth factor, commercial construction financing currently has a very limited availability. Fifth, lenders have eliminated unsecured commercial lines of credit for most small businesses.

Despite the new business financing limitations just noted, there are practical working capital options for small business owners to consider. An increasingly effective commercial financing option in the midst of an uncertain economy is a merchant cash advance program based on credit card processing activity. Even though this commercial funding option has been available for a few years, it has not been used by most small businesses. Business cash advances should be evaluated as an important tool for improving business cash flow for most businesses accepting credit cards. Small business owners wanting to pursue this financing option should consult a business financing expert who is knowledgeable about this working capital management approach as well as other small business loans.

This kind of small business financing is still in fact obtainable even though working capital loans are not as widely available as they were just a few months ago. The main change for business borrowers is the likelihood that they will be dealing with a different commercial lender since some of the largest providers have stopped making these business loans. Small business owners will benefit from finding an experienced and candid business financing expert to assist in evaluating realistic options because the most effective working capital financing providers are not aggressively marketing this capability.

As stressed above, when making commercial financing decisions it is becoming increasingly important for business owners to first determine their effective business finance funding options. This task is likely to be much more difficult than most commercial borrowers realize because of recent volatility in financial markets. It is advisable to explore commercial finance options that might be necessary if economic conditions change even further even for business owners who are satisfied with their current working capital financing arrangements. The use of Plan B contingency financing is an important tool to assist commercial borrowers in this process.

Stephen Bush has provided candid advice to business owners for more than 25 years and is a small business loans expert. AEX Working Capital Financing and Small Business Financing

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A Guide To Bad Credit Finance Options

Posted on October 8, 2011 by Admin

Have you been trying to find out what bad credit finance options were available? Perhaps you’re in the market for a new car or truck, but aren’t sure if you can find a dealer or lender who’ll offer you a bad credit finance?

You shouldn’t worry too much about bad credit finance options, because there are several financing options available regardless of your credit history… some of them charge higher interest rates or require some additional security, but in the end may be just what you’re looking for.

Vehicle financing

If you’re looking for a bad credit finance for a new or used vehicle, your best option is most likely going to be to visit a finance company as opposed to a traditional bank.

Some finance companies are more likely to offer bad credit finance options for vehicles than others, and the financing will usually depend upon the type of vehicle being financed, where the vehicle is being purchased from, and what sort of insurance and driving record you have.

Other factors that will be taken into consideration include your annual and monthly income, any cosigners that you might have for the loan, and any recommendations or referrals that you might have.

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Home financing

Finding someone to offer you a bad credit finance for a house or other real estate can sometimes be tricky, but generally real estate shouldn’t be too difficult to finance.

Major factors in getting a mortgage lender to approve you for bad credit finance options include your income, any insurance that you will purchase for the house or real estate, the amount of a down payment that you’re willing to offer, and any references of former landlords that you can offer.

Mortgage lenders for bad credit finance loans can be found online, at finance companies, and at some real estate and property management services.

Other financing

Should you be seeking bad credit finance options for other items (such as collectibles or electronics), you might find your search to be a little more difficult.

Smaller and less valuable items are often harder to repossess and find buyers for than vehicles and real estate, so many finance companies are hesitant to lend money to people with bad credit in order to purchase these items. Instead of financing, you might want to consider other venues for bad credit loans (such as auto title loans and the like) to get you the money that you need for your purchases.

Some lenders will offer financing for these items, though, but the only way to find out is to see for yourself. Should you be rejected, asking for a reference as to where to find financing might point you in the right direction.

You may freely reprint this article provided the following author’s biography (including the live URL link) remains intact:

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Bad Credit Financing, Truck And Construction Equipment, Alternatives To Conventional Financing, Additional Collateral

Posted on October 7, 2011 by Admin

There is alternatives to conventional truck and construction  equipment financing, bad credit financing is available as long as additional qualified collateral is offered to the niche lenders. Many applicants have bad or marginal credit, under 600, however they have free and clear assets that they have title to. These free and clear title assets may be the bargaining chip that might make a financing deal go from unworkable to a credit approval..

Today’s financial market is in turmoil, many applicants that had good credit two years ago or possible less have marginal or bad credit today. Many businesses that want to expand or start up are locked out conventional financing. These applicants feel locked out of these current market conditions and won’t explore other financing options.

Some niche lenders offer these non qualifying applicants an alternative to conventional financing. The lenders will take as collateral certain qualified assets as collateral to commence a financing deal. These financing arrangements usually run from 30-42 months depending upon the lender and qualifying assets involved….

The type of qualifying assets that these niche lenders like to finance are semi trucks, dump trucks, car haulers, excavators, bulldozers, concrete trucks etc. The lender will qualify the asset you want to finance and at the same time require additional assets that you own free and clear to quarantee the transaction..( See List Below) If the collaterized assets have an auction value more than ,000 a piece and are at least twice the financing amount, there is a good possibility this transaction is workable. Additionally, it is a big plus if the applicant is a homeowner.

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Lets take an example, that an applicant has a credit score of 540, wants to finance a dump truck for ,000. He is a homeowner and has free and clear assets that he owns. Lets assume he has three bulldozers with an auction value of .000, 70.000 and ,000. In this example the summation of the first two assets equal 0.000 which is more than 2 x the financed amount. This is the basic calculation to get us to the transaction qualified…

Above is a basic example of this transaction. The minimums that each lender will qualify for is different, some are higher some are lower, call for details. It is important at this stage to inform the readers that the cost of these financing arrangements are not cheap. You should understand the dynamics of the financing arrangement and ascertain your revenue stream can match up properly with the debt you will incur. Additionally, the lenders will verify the market value for all types of assets under their own in house formulas.

Additionally, it is important to communicate here is that these lenders have prepayment penalties up to 10-12 months on these financing deals. On the flipside, this financing could give you the necessary time to clean up your credit and pay off the financing arrangement earlier than 30-42 months. .

Some of the things necessary to get the financing arrangement completed is a signed and dated application, the summary page of your last three months personal and business bank statements. Additional info such as the 2008 and 2009 could be requested as well as a small write up on your business and/or business history. Obviously, a free and clear equipment list is neccesary for the lender to review and an invoice or sales order would be required on the desired acquisition…

Happy hunting for your special bad credit truck and construction  equipment financing……….

 

 

 

Rick has over thiry years in the financial field, including leasing, working capital and hard asset money loans, and commercial lending. U.S Corporate Capital Leasing works with the start up and seasoned business for financing in all different industries.

             www.cclgequipmentleasing.com

      http://www.cclgequipmentleasing.com/Sale_Leaseback.htm

 

 

 

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Business Financing in the UK

Posted on October 6, 2011 by Admin

Running a business and becoming successful in that venture requires a lot finance and financial assistance. In UK finance for business can be got from different sources. Business related financial services are provided by many organizations in that field. UK finance for leasing a company or organization, UK finance for debt collection, UK finance for Venture Capital can also be arranged.

There are companies that help a business in hire purchasing and arranging for leasing. You can approach such dedicated companies for such services. UK Finance for hardware funding for the information technology business is also available in companies. Leasing services for small businesses, agricultural and industrial funding operations are available in companies dedicated to that service. A company called Richard Mares Asset Finance in UK finances for agricultural and industrial setups. If you need information on UK finance for equipment leasing, mortgages and commercial finance then you can approach companies like 1st Leasing Company and 1pm.co.uk. Many options for UK finance are available with them. Just check out their website for more details on the different types of finance available with them. For UK finance from £5,000 upwards you can approach companies like 1pm. They work closely with their clients to provide what they need.

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UK Finance for companies in the information technology sector can get their financing options from companies like Corporate Computer Lease Plc in UK. Such companies make IT more affordable and you get the UK finance for almost any technology spends. They have successful records of financing in UK for even Fortune 500 companies. This is one of the fastest growing UK finance companies.

Companies like Corporate Business Finance fund you for Plant, Machinery and for other corporate financial services. They provide finance in UK for many services like hire purchase, leasing, operating leases, factoring, release of capital, and commercial mortgages. Each and every business may need a unique funding requirement and it is a tedious task to arrange for funding when you need to run your business. A lot of time is wasted in searching for proper funding. Under such circumstances you can approach companies like these for UK finance for your funding requirements.

For new start ups it is difficult to get finance in UK or elsewhere. Most of the finance companies will fund only the established businesses. But companies like Oak Leasing help even the start ups since they understand the difficulties that the startups face. The problems that the start ups face are only initially. If they have a proper business plan they could come up. The team at Oak leasing would finance your startups and for any new equipments that you need. More details are available in their website.

There are companies that fund only the big companies. Finance for big companies is given by UK finance companies like the Benington Securities. It is a private enterprise brokerage. They cover only the corporate investments. There are many companies that provide UK finance for even individuals. Companies like Troman finance provide funds for the individuals and small business firms.

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