Loans. Should you?
Loans can either make, or break.
My personal mantra on loans is “only if its the last resort”
But loans could also be the factor that can make things happen.
Being my own boss has always been in my take-over-the-world plan for quite some time now. But there are obstacles. Like lack of funds. I need the capital to start a design firm.
I was doing some research on loans and saw 2 very helpful guides.
What is my take on loans? Well, not all sources are reliable. I’d never take loans from close contacts: family, friends etc. Or untrustworthy lenders a.k.a Loansharks.
I’d rather consult a bank or a reputable company.
What would i do if i secure a business loan? Upon registering the company, I’d require an office space, fit for maybe 4 personnels and a good space for a conference room. Then i’ll have to look for equipments. Get a couple of Mac Pros, good unorthodox office furniture (to make work look fun!), and other important things. Also, i’d need a good accountant!
How can all these happen? A good loan!
And hey, if you have just got married, take a look at home improvement loans
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| Print article | This entry was posted by Mr Malique on July 27, 2007 at 5:13 am, and is filed under General Talk, PPP. Follow any responses to this post through RSS 2.0. Both comments and pings are currently closed. |
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Hi Malique, I think your first choice should be friends and family, instead of banks. Banks charge cutthroat interest and this is what will burden you over the long run. Whereas family and friends are more ‘tolerant’, even better if they’re supportive.
I have also encountered a number of companies that use old Macs and can still play the field. And then there are those who go thrifty, using Mac Minis only. But the best way of course, is to thread one step at a time. There’s no shame in starting out with a home office, just to keep the overheads low from the start and be able to reinvest more of your profits back into the business. This makes for a healthier start.
From my experience, OCBC is the friendliest bank to small startups. They allow you to start an entrepreneur corporate account which makes your company look professional and at the same time, doesn’t cost you a bomb. Check it out.
I hope your dreams will come true. Insya’Allah.