I’m pretty sure that by now just about everyone out there has heard about Facebook. Facebook is the largest social networking platform going these days. What a lot of us may not know about is the fact Facebook employs a lot of product managers whose job it is to help customers advertise on Facebook. This job is a little bit different from the typical product manager job, but perhaps we can all learn something from them…What Makes Facebook Advertising So Popular?Let’s be frank here – Facebook is very, very popular. Facebook is the world’s largest social network – they currently have 1.3 billion users. In the U.S., 1 out of ever 6 minutes spent online was spent on Facebook. 1 out of every 5 minutes of mobile usage was spent on Facebook. Clearly the Facebook product managers have got their product development definition right and have a real winner on their hands.However, Facebook is now attempting to make their product more appealing to advertisers. Facebook first started selling ads on its site 10 years ago. Facebook is competing with Google who delivers ads that match what people are currently looking for and TV which can reach a mass audience. Facebook product managers claim that they can both reach exactly the right audience and then measure what they do once they’ve gotten the message.No, Facebook is not going to be replacing TV advertising. However, it is starting to look like there might be a role for it to help advertisers to achieve their goals. Not only is Facebook really, really big, but they also have the ability to achieve a very personal engagement with the people that the advertisers are trying to sell to.How Are Facebook Ads Created?The Facebook product managers understand that their advertiser’s customers, Facebook users, are being overwhelmed with ads already. In order for a Facebook ad to be effective, it’s going to have to be able to capture the attention of the end user when they see it. If the product managers can figure out how to do this correctly, then they’ll something else to add to their product manager resume.This kind of product creation process is very hard to do. The Facebook product managers realize it and so they bring together a lot of people in what they call “publishing garages”. These are multi-day meetings in which ideas are kicked around and the goals for an advertising campaign are hashed out. The final outcome of one of these meetings will be the ads that will be run on Facebook.In order to successfully create a product that will achieve the client’s results, the Facebook product managers create model customers in order to understand what they are looking for. Using Facebook’s immense collection of user data, they can then display the ads only for people who have shown an interest in products or topics that are similar to what is being sold. The final step is to agree with the customer on exactly what subset of Facebook’s users the new ad(s) should be matched with.What Does All Of This Mean For You?The product managers at Facebook have a real challenge on their hands. They are part of a very popular company; however, they now need to convince advertisers that spending money to advertise on Facebook is worth their time. I’m willing to bet that this was never a part of their product manager job description. As with all such new things, this can be a real challenge.The one thing that Facebook can offer to advertisers that really seems to capture their attention is the ability to target their ads. TV is a great way to reach the masses, but Facebook allows advertisers to become a lot more selective. Facebook creates ads by having their product managers assemble “publishing garages” where all of the customer’s and Facebook’s players can come together to plan out how to create just the right advertisement.As product managers we can learn from what the Facebook product managers are trying to accomplish. When we are faced with customers who are interested in our product, but who may be doubtful that it can solve their problem, we should take the time to relate it to what they do know.Facebook does this by comparing themselves to television. When it comes time to determine how our customers can use our product, we need to take the time to meet with all of the right players. Only by designing a solution that works for them will we be able to make sure that they’ll have the best product experience. Perhaps if we can do all of this, we’ll be as successful as Facebook is!
When in need of an effective exercise equipment, people oftentimes resort to lifestyler treadmills. These exercise machines are in one way related to the elliptical lifestyler since they allow the walking or running movements plus the exercise of the upper body parts of the user. In the outbreak of the topnotch but very expensive treadmills and other elliptical machines out in the market, the lifestyler treadmill is one which comes as a reliable, solid, and good piece of equipment but then without sacrificing the excellent quality performance which it can give out to the user.For beginners like you, the lifestyler treadmill can be a very good choice of equipment to buy. If you truly want the best effect out of the money you let out of your pockets, this home exercising equipment is just about to be the best of everything that you may get. It may have already existed for many years but its being old in the arena is not a bad reputation. It cannot be referred to as one out-of-date equipment because it still has the admirable qualities of a stable exercising machine which form part of the workout regimens of several individuals.Compared to the rest of the most recent treadmills dominating in the market these days, the lifestyler treadmill is not ornamented with the features that will make it overly expensive to be afforded by the people of the masses. But then, the lifestyler treadmill is of great use both for light commercial and home purposes.The elliptical lifestyler is said to enhance one’s heart rate and the toning of the body muscles. In this sense, the lifestyler treadmill is not a weakling. Most fitness experts recommend the use of this machine than any other equipment there is in the market today. It has been proven that the lifestyler treadmill is an ideal tool which enhances the cardiovascular wellbeing of a person. Furthermore, the machine is very easy to utilize.No need to read the manual and memorize the supposed to be steps in operating the machine. You can definitely start with your exercise regimen by simply pushing the Quick Start button which allows you to get a quick touch on its features. There is also an ID on the reading gadget that allows you to pre-set your personal profiles so that you will not be going all throughout the whole process every time you want to do some exercise.The design of the lifestyler treadmill is primarily geared towards the reduced friction, less stress on the joints, and the permission of the natural flow of the blood through the natural movements of the body which is much advantageous than walking or running outdoors. Thus, the cardiovascular wellbeing of an individual is furthermore enhanced.When shopping for a lifestyler treadmill, you’ve got to consider a lot of points. You should see to it that you will earn benefits from your purchase. You cannot just spend money on something which you know will not be of use to you. Compare the models and the brands. Pay attention to their prices too. Remember that you are getting a lifestyler treadmill because of your health needs and not because you need to flaunt it to your friends.
Are you thinking of renovating or decorating your sweet home? Do you need cash to meet such requirements? If so, then you can look for online home improvement loans to renovate your dear home.Online home improvement loans are planned to provide financial support to the borrower in repairing or decorating the house. Renovation of house, extension of room or kitchen, buying sofa and other commodities are some of the requirements which money may run short. In such situations, a person can apply for the loans and meet their requirements through the help of online home improvements loans.For the suitability of the borrower online home improvement loans are available with and without the use of security. If the borrower uses collateral against the loan, then it is called secured loans. Collateral may be in any form such as home, car or any valuable assets which has a value. If borrower does not have any collateral, then he can opt for unsecured loans. If you are a tenant or non home homeowner then, unsecured loans is an ideal choice.Online home improvement loans are available at competitive interest rates. There is no dearth of lenders offering nominal rates. For the reasonable rate, all you have to do is to collect and compare the quotes of the lenders.People, who are suffering from bad credit, may also apply for the online home improvement loans. People with defaults, bankruptcies, etc. and other such bad credit holders can well use the advantages and meet their requirements related to home improvements.Online home improvement loans provide you a fast and instant approval of the loan. While applying online the borrower should furnish all the proper details relating to personal and credit records.With the help of online home improvement loans, the borrower can easily decorate and make his house a better place to live in.
There are several ways to slim down when you have asthma. Detoxifying may be an important element in reducing your weight. It is far more safe, healthy, and an established approach to shed weight just by altering some easy eating habits. Folks who want to get rid of the weight may try out the above mentioned techniques, and it probably may bring you some magic consequences. You will most likely slim down with them all, but selecting the one which fits with your lifestyle and personality is essential. Should you do, you’ll be more inclined to succeed and lose the weight. Some believe that the simplest way to get rid of weight is to just eat no food until your body burns off all the additional fat.You will eliminate loads of weight. Don’t forget, losing weight doesn’t happen overnight. If you’re interested in slimming down, speak with your healthcare provider about tailoring a weight-loss plan which takes into consideration your existing wellness and weight-loss targets. Keeping the weight off may be a little challenge given the simple fact you will eventually go off of the diet plan. Whether you must shed weight or wish to construct muscle, a diet plan with a lot of protein will help you reach your objective. If you really need to drop some weight quickly in a wholesome manner then attempt to make, all the things which I have mentioned above, a normal part of your diet plan. You would nonetheless be in a position to get rid of the desired weight without needing to go hungry, you are running to be full and satisfied from healthy foods.Up in Arms About Diets for Weight Loss?Just like the minimal calorie liquid diet, the industrial type is also designed as a fast weight reduction system. Muscle loss does result in weight reduction, but is not likely to supply you with the look you want, or to assist you function. Be careful that should you need to detox, you do so in a healthy way and not for fat loss. There are several popular weight loss diets out there to pick from and as many distinct approaches. Maintain a food diary losing Weight is a game of calories.The diet not simply promises a weight loss but in addition a longer and much healthier life. Anytime that you’re on a diet that you want to ensure you’re watching the sorts of foods that you consume and the number of calories you’re putting in. In general, ketosis diet isn’t genuinely a pleasant procedure. Quite simply, a ketosis diet is a sort of a diet with low number of carbs or no carbs in any respect. Balanced diet plays a significant part in dropping the weight. A healthier balanced diet is extremely necessary to shed weight fast and at the very same time to remain healthy.Weight loss is actually easy. It is something that is on everyone’s mind nowadays. Most folks have a tendency to believe that vegetarian diet for weight loss has tasteless and boring foods. An additional way to continue your losing weight is to stop drinking alcohol. Long-term weight loss is the consequence of an alteration in lifestyle.Key Pieces of Diets for Weight LossThe diet approaches listed below are among the greatest and best diets in the market these days. The very first step to drop some weight fast diet is to burn more calories than the total amount of calorie your intake. Though there are several diets and weight reduction plans on the market, a scrutiny of the exact same is critical.What You Should Do to Find Out About Diets for Weight Loss Before You’re Left BehindA diet is a brief term strategy to get rid of weight. Juice diets for weight loss may be a superb method to get rid of extra weight. If you’re considering juice diets for weight reduction, you could be on the proper track.The diet ought to have all crucial components to remain healthier and nutritious. Liquid diets are good for shedding weight quickly, but they don’t perform as well with respect to long-term weight reduction. They are not the miracle cure that you are looking for, however (which doesn’t exist anyway). As soon as you come off liquid diets for weight reduction, you must maintain a clean diet plan and exercise 2-3 times per week to ensure that the weight that you lost on your liquid diet doesn’t arrive back and then some. Vegetarian diets for losing weight is simple to adapt. Both diets will help you to drop some weight. The diet that’s formulated to help the dieter shed weight might not be perfect.
First, let’s get a little historical perspective on American health care. To do that, let’s turn to the American civil war era. In that war, dated tactics and the carnage inflicted by modern weapons of the era combined to cause terrible results. Most of the deaths on both sides of that war were not the result of actual combat but to what happened after a battlefield wound was inflicted. To begin with, evacuation of the wounded moved at a snail’s pace in most instances causing severe delays in treatment of the wounded. Secondly, most wounds were subjected to wound related surgeries and amputations and this often resulted in massive infection. So you might survive a battle wound only to die at the hands of medical care providers whose good intentioned interventions were often quite lethal. High death tolls can also be ascribed to everyday sicknesses and diseases in a time when no antibiotics existed. In total something like 600,000 deaths occurred from all causes, over 2% of the U.S. population at the time!Let’s skip to the first half of the 20th century for some additional perspective and to bring us up to more modern times. After the civil war there were steady improvements in American medicine in both the understanding and treatment of certain diseases, new surgical techniques and in physician education and training. But for the most part the best that doctors could offer their patients was a “wait and see” approach. Medicine could handle bone fractures and perform risky surgeries and the like (now increasingly practiced in sterile surgical environments) but medicines were not yet available to handle serious illnesses. The majority of deaths remained the result of untreatable conditions such as tuberculosis, pneumonia, scarlet fever and measles and/or related complications. Doctors were increasingly aware of heart and vascular conditions, and cancer but they had almost nothing with which to treat these conditions.This very basic understanding of American medical history helps us to understand that until quite recently (around the 1950’s) we had virtually no technologies with which to treat serious or even minor ailments. Nothing to treat you with means that visits to the doctor if at all were relegated to emergencies so in that scenario costs were obviously minuscule. A second factor that has become a key driver of today’s health care costs is that medical treatments that were provided were paid for out-of-pocket. There was no health insurance and certainly not health insurance paid by someone else like an employer. Costs were the responsibility of the individual and perhaps a few charities that among other things supported charity hospitals for the poor and destitute.What does health care insurance have to do with health care costs? Its impact on health care costs is enormous. When health insurance for individuals and families emerged as a means for corporations to escape wage freezes and to attract and retain employees after World War II, almost overnight there was a great pool of money available for health care. Money, as a result of the availability of billions of dollars from health insurance pools, encouraged an innovative America to increase medical research efforts. As more and more Americans became insured not only through private, employer sponsored health insurance but through increased government funding that created Medicare, Medicaid and expanded veteran health care benefits, finding a cure for almost anything has become very lucrative. This is also the primary reason for the vast array of treatments we have available today. I do not wish to convey that this is a bad thing. Think of the tens of millions of lives that have been saved, extended and made more productive as a result. But with a funding source grown to its current magnitude (hundreds of billions of dollars annually) upward pressure on health care costs are inevitable. Doctor’s offer and most of us demand and get access to the latest available health care technology, pharmaceuticals and surgical interventions. So there is more health care to spend our money on and until very recently most of us were insured and the costs were largely covered by a third-party (government, employers). This is the “perfect storm” for higher and higher health care costs and by and large, the storm is intensifying.At this point, let’s turn to a key question. Is the current trajectory of U.S. health care spending sustainable? Can America maintain its world competitiveness when 16%, heading for 20% of our gross national product is being spent on health care? What are the other industrialized countries spending on health care and is it even close to these numbers? Add politics and an election year and the whole issue gets badly muddled and misrepresented.I believe that we need a revolutionary change in the way we think about health care, its availability, its costs and who pays for it. And if you think I am about to say we should arbitrarily and drastically reduce spending on health care you would be wrong. Here it is fellow citizens – health care spending needs to be preserved and protected for those who need it. And to free up these dollars those of us who don’t need it or can delay it or avoid it need to act. First, we need to convince our politicians that this country needs sustained public education with regard to the value of preventive health strategies. This should be a top priority and it has worked to reduce the number of U.S. smokers for example. If prevention were to take hold, it is reasonable to assume that those needing health care for the myriad of life style engendered chronic diseases would decrease dramatically. Millions of Americans are experiencing these diseases far earlier than in decades past and much of this is due to poor life style choices. This change alone would free up plenty of money to handle the health care costs of those in dire need of treatment, whether due to an acute emergency or chronic condition.Let’s go deeper on the first issue. Most of us refuse do something about implementing basic wellness strategies into our daily lives. We don’t exercise but we offer a lot of excuses. We don’t eat right but we offer a lot of excuses. We smoke and/or drink alcohol to excess and we offer a lot of excuses as to why we can’t do anything about it. We don’t take advantage of preventive health check-ups that look at blood pressure, cholesterol readings and body weight but we offer a lot of excuses. In short we neglect these things and the result is that we succumb much earlier than necessary to chronic diseases like heart problems, diabetes and high blood pressure. We wind up accessing doctors for these and more routine matters because “health care is there” and somehow we think we have no responsibility for reducing our demand on it.It is difficult for us to listen to these truths but easy to blame the sick. Maybe they should take better care of themselves! Well, that might be true or maybe they have a genetic condition and they have become among the unfortunate through absolutely no fault of their own. But the point is that you and I can implement personalized preventive disease measures as a way of dramatically improving health care access for others while reducing its costs. It is far better to be productive by doing something we can control then shifting the blame.There are a huge number of free web sites available that can steer us to a more healthful life style. “Google” “preventive health care strategies”, look up your local hospital’s web site and you will find more than enough help to get you started. Let’s go America – we can do this!
Every Mortgage Loan Originator licensed in the United States must complete Pre-License Education in order to obtain a license and Continuing Education each year in order to renew the license. There is a federal mandate that each state require at least 20 hours of Pre-License Education and at least 8 hours of Continuing Education each year after the license is approved. And many states have decided to require additional “state-specific” Pre-License and Continuing Education on top of the federal mandated minimum requirement. If a Loan Originator obtains licenses in many states, there could be a lot of Continuing Education required each year, which brings us to our main topic. How do you choose a Mortgage License Education Course Provider that can make this process as simple and painless as possible?Availability of Courses – Each Mortgage License Education Course Provider must get their courses approved through the NMLS (Nationwide Mortgage Licensing System). Some Course Providers only get the main 20 hour Pre-License Education and 8 hour Continuing Education, so if you are licensed in any states that require state-specific education, you’ll have to do that part with another Course Provider. Most Course Providers only get some of the state-specific education approved for the larger states, because it is very time consuming to get approved and maintain if they don’t have enough customers taking the courses. Very few Course Providers get the state-specific Mortgage License Education Courses approved by the NMLS in every state that requires it. If licensed in many states, it is best to find one of these few Course Providers that offer all courses.Course Formats – The Course Providers are able to provide Pre-License Education in 3 formats: Classroom, Webinar, and Online Instructor-Led. Classroom is a live course in-person. Webinar is a live course via a webinar online. And Online Instructor-Led, which is by far the most popular, is an online course at your own pace with a small amount of instructor involvement to meet the NMLS requirement that there be interaction between the student and the instructor. Due to the instructor interaction, the Online Instructor-Led courses must be done within a certain window of time. Usually 2 days for a few hour course up to 12 days for a 20 hour course. For the Continuing Education, Course Providers are able to offer all of the same course formats as the Pre-License Education plus an Online Self-Study format. The Online Self-Study format is virtually identical to the Online Instructor-Led format, except that there is no window of time that the course must be completed in and there is no instructor interaction. For most people, the Online Self-Study format would be the best option for the Continuing Education. Not all Course Providers offer all Course Formats, so you will want to find a Course Provider that offers the formats you prefer.Technology Platforms – Specifically for the most popular Course Formats, Online Instructor-Led for the Pre-License Education and Online Self-Study for the Continuing Education, the technology platform of the Mortgage License Education Course Provider is critical to making the process smooth. The NMLS has specific guidelines on how the Education Course must operate regarding timing of the course, instructor interaction, timing out after a certain period of inactivity, verifying that the person taking the course is the actual Loan Originator, etc. However, the Course Providers have a lot of flexibility in making the compliance with these requirements as painless as possible. There is a huge difference between Course Providers so you may even want to ask to test their systems out before purchasing courses, especially if you are licensed in a lot of states or are making the decision of what Course Provider to use for many Loan Originators.Customer Service – In my experience, this is by far the most important factor. Issues will come up such as courses not reporting to the NMLS properly, course windows ending before the course is completed and the need to reschedule, questions about what Mortgage License Education Courses are required for a new license or continuing education to renew your Loan Originator Licenses, or even just issues navigating their website. When these issues come up, you want to have someone at their office that always answers the phone during normal business hours so you can quickly resolve these issues. I have found that not all Education Course Providers have the same excellent customer service that you would expect. This is critical. If you start finding that the responses from customer service are slow or inadequate, then it is probably time to start looking for a new NMLS Mortgage License Education Course Provider.
The economic changes of the past eighteen months or so have led many to start researching on how to make some extra income. So whether you’re trying to supplement your current income to save for something special or you’re looking for the right option for a complete career change, professional photography could be a really viable option.So how could you profit from photography? There are so many different options in photography and so many different target markets that you could get into if you have the right skills. Now, the availability of on-line tutor assisted photography courses makes this an attainable goal.The availability of these online courses allows aspiring photographers who would like to turn professional have all the benefits of having a personal tutor, with none of the disadvantages of travelling to lectures, having to attend classes at particular times and having to work to pressurised deadlines. Distance learning based photography courses allows the person who wants to profit from photography to learn, work and study in their own time, and fit their career development around their family and business commitments. It allows participants to stay in their current employment while still developing their skills to change careers, or even to plan for an additional income stream so that they can earn the extra cash for a family holiday, upcoming wedding, or home renovations. Many of the top US financial experts say that if home owners had had an extra $1000 a month spending capacity their home repossessions could have been avoided.So what areas could you get into if you were to attend an online photography school and develop professional skills that can be turned into hard cash?Well, one of the most obvious options in Wedding Photography…everyone who’s having a wedding needs a photographer, and people skilled in wedding photography and the related business skills required to run a wedding photography business can earn around $1000 for a SINGLE wedding. You could have all this, doing something that you love doing, while developing a second income stream or going full time.And how about Glamour photography. Imagine learning how to enhance photographs with lighting, how to set up your own studio, how to get the model to pose correctly, and how to sell your images. You would also need to learn how to edit and improve photographs after they’ve been taken, all very exciting stuff.Yet, another way to profit from photography is Freelance photography…knowing how to capture, market and sell top quality freelance images….if you learn about current photo markets and who needs your services from the experts, you could save a lot of time and money by trying it trial and error….learn professionally and get access to the knowledge and experience of those who have already done this and understand current market trends. To succeed in Freelance Photography, you need to understand commissioned photography, stock photography, how to research your market, find clients, submit photographs and understand the legal side of the business. But all of these skills can be easily learned at a great on line photography school.The first step is to learn the basics, whether it’s film photography or digital that you’re most interested in. Then, depending on where your passion lies, move onto learning about black and white photography, or maybe even a course on perfecting the art of taking landscape shots. Whether you just want to focus on one niche market, or you want to become a very versatile professional photographer, there are many excellent online photography schools where you can start to profit from photography.Copyright (c) 2009 Aileen Gallagher
For a small business to grow into a big business, it needs a loan unless it has exceptional sales and profit margins. A small business owner has quite a few places where he/she can go with a loan request. Banks seem to be one of their options on most occasions. What these owners might not realize is that banks have recently developed a reputation for rejecting small business loans. It seems that banks are more interested in financing large businesses due to their benefits. A bank can come up with a variety of reasons to reject loan approval for a small business. Some of the common reasons are as under:Reasons for Banks to Reject Your Small Business LoanCredit HistoryOne of the barriers between you and the business loan is credit history. When you go to a bank, they look at your personal as well as business credit reports. Some people are under the impression that their personal credit does not affect their business loans. But that’s not always the case. A majority of banks look into both the types of credits. One of the aspects of credit that matter a lot to the banks is credit history. The length of your credit history can affect your loan approval negatively or positively.The more information banks have at hand to assess your business’ creditworthiness, the easier it is for them to forward you the loan. However, if your business is new and your credit history is short, banks will be unwilling to forward you the desired loan.Risky BusinessYou must be aware of the term high-risk business. In fact, lending institutions have created an entire industry for high-risk businesses to help them with loans, credit card payments, etc. A bank can look at a lot of factors to evaluate your business as a high-risk business. Perhaps you belong to an industry that is high-risk per se. Examples of such businesses are companies selling marijuana-based products, online gambling platforms, and casinos, dating services, blockchain-based services, etc. It is imperative to understand that your business’ activities can also make it a high-risk business.For example, your business might not be a high-risk business per se, but perhaps you have received too many charge-backs on your shipped orders from your customers. In that case, the bank will see you as a risky investment and might eventually reject your loan application.Cash FlowAs stated earlier, your credit history matters a lot when a bank is to approve your loan request. While having a short credit history increases your chances of rejection, a long credit history isn’t always a savior too. Any financial incidents on your credit history that do not favor your business can force the bank to reject your application. One of the most important considerations is the cash flow of your business. When you have cash flow issues, you are at risk of receiving a “no” from the bank for your loan.Your cash flow is a measure for the bank to know how easily you return the loan. If you are tight on cash flow, how will you manage the repayments? However, cash flow is one of the controllable factors for you. Find ways to increase your revenues and lower your expenses. Once you have the right balance, you can approach the bank for a loan.The DebtA mistake that small business owners often make is trying out too many places for loans. They will avoid going to the bank first but get loans from several other sources in the meantime. Once you have obtained your business funding from other sources, it makes sense to return it in time. Approaching the bank when you already have a lot of debt to pay is not advisable at all. Do keep in mind that the debt you or your business owes affects your credit score as well. In short, the bank does not even have to investigate to know your debt. An overview of your credit report can tell the story.The PreparationSometimes, your business is doing fine, and your credit score is in good shape as well. However, what’s missing is a solid business plan and proper preparation for loan approval. If you haven’t already figured out, banks require you to present a lot of documents with your loan approval request. Here are only some of the documents you will have to present to the bank to get approval for your loan.
Income tax returns
Existing loan documents
Personal financial documents
Affiliations and ownership
Business lease documents
Financial statements of the business
You have to be exceptionally careful when these documents and presenting them to the bank. Any discrepancies can result in loan rejection.Concentration of CustomersThis one might come as a surprise to some, but a lot of banks consider this aspect of your business seriously. You must not forget that loans are banks’ investments. Businesses that approach the banks are their vehicles to multiply their money in the form of interest. If the bank senses that your business does not have the potential to expand, it can reject your loan request. Think of a mom and pop shop in a small town with a small population. If it only serves the people of that town and has no potential to grow further, a rejection is imminent.In this particular case, even if the business has considerable profit margins, it relies on its regular customers for that. The bank might see it as a returnable loan but not as an investment opportunity.ConclusionThe good news is that you have a lot of funding options as a small business owner. Today, banks are only one of the many options for you to fund your bank. You don’t necessarily have to apply for loans when you have crowdfunding platforms actively helping small business with their funding needs. If you are seeking a business loan from a bank, that’s fine. However, if the bank does not approve your request, it should not worry you much. czo