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	<title>Clickcapital Admin &#8211; ClickCapital Business Finance</title>
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	<link>https://www.clickcapital.com.au</link>
	<description>Helping Business Grow</description>
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		<title>Business finance guide</title>
		<link>https://www.clickcapital.com.au/business-finance-guide/</link>
				<comments>https://www.clickcapital.com.au/business-finance-guide/#respond</comments>
				<pubDate>Wed, 17 Oct 2018 08:35:11 +0000</pubDate>
		<dc:creator><![CDATA[Clickcapital Admin]]></dc:creator>
				<category><![CDATA[Business Growth]]></category>

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				<description><![CDATA[Business finance guide Chat to a Business Finance Expert      Give us a Call  1300 617 673      Email Contact  hello@clickcapital.com.au      Find Us  Get directions      Financing your business with one of the many]]></description>
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						<div class="fusion-column-content-centered"><div class="fusion-column-content"><div class="fusion-text"><h2 style="color: #ffffff;">Business finance guide</h2>
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							background-image: linear-gradient( to top, #8bc34a, #39db1c );}</style><a class="fusion-button button-flat fusion-button-default-size button-custom button-1 fusion-button-default-span fusion-button-default-type" target="_self" href="https://www.clickcapital.com.au/contact/"><span class="fusion-button-text">Chat to a Business Finance Expert</span></a></div></div></div><div class="fusion-clearfix"></div>

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</div><div class="fusion-text"><p style="font-size: 30px; line-height: 41px; margin-bottom: 0;"><a style="color: #fff;" href="tel://1300 617 673">1300 617 673</a></p>
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</div><div class="fusion-text"><p style="font-size: 30px; line-height: 41px; margin-bottom: 0;"><a style="color: #fff;" href="mailto:hello@clickcapital.com.au">hello@clickcapital.com.au</a></p>
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</div><div class="fusion-text"><p style="font-size: 30px; margin-bottom: 0;"><a style="color: #fff;" href="https://www.google.com/maps/place/121+King+St,+Melbourne+VIC+3000,+Australia/@-37.8172741,144.9535202,17z/data=!3m1!4b1!4m5!3m4!1s0x6ad65d4dd58ef1f9:0x924c91f561a4fd11!8m2!3d-37.8172741!4d144.9557089?hl=en">Get directions</a></p>
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						<div class="fusion-text"><p>Financing your business with one of the many different products available across Australia’s commercial lending market is less about borrowing money, and more about making an investment in your business success.<br />
Whether you’re starting up, sustaining success, or wanting to make the most of new opportunities, the right finance can help fund the growth you’re looking for.<br />
Australia is indeed the lucky country. We are blessed for choice when it comes to the amount of competition that exists when it comes to the business finance market.<br />
With so many lenders, and so many products under each of their brands, it’s important you make the most of this choice when it comes to who and what you choose when it comes to how to fund your business.</p>
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<p>It’s not just about larger premises or new property. Expansion can mean new equipment, more staff, marketing, or diversifying your business into other areas. When conditions are right, and opportunities present themselves, finance can help realise these opportunities.</p>
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<p>Having enough stock on the floor when you know you’re about to get busy can be tricky. You may need to buy your inventory before you get a chance to sell it. Having the right finance means you’ll be ready to make the most of new trends and seasonal demands.</p>
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					.fusion-content-boxes-3 .fusion-content-box-hover .link-area-link-icon-hover .heading .content-box-heading,
					.fusion-content-boxes-3 .fusion-content-box-hover .link-area-link-icon-hover .heading .heading-link .content-box-heading,
					.fusion-content-boxes-3 .fusion-content-box-hover .link-area-box-hover .heading .content-box-heading,
					.fusion-content-boxes-3 .fusion-content-box-hover .link-area-box-hover .heading .heading-link .content-box-heading,
					.fusion-content-boxes-3 .fusion-content-box-hover .link-area-link-icon-hover.link-area-box .fusion-read-more,
					.fusion-content-boxes-3 .fusion-content-box-hover .link-area-link-icon-hover.link-area-box .fusion-read-more::after,
					.fusion-content-boxes-3 .fusion-content-box-hover .link-area-link-icon-hover.link-area-box .fusion-read-more::before,
					.fusion-content-boxes-3 .fusion-content-box-hover .fusion-read-more:hover:after,
					.fusion-content-boxes-3 .fusion-content-box-hover .fusion-read-more:hover:before,
					.fusion-content-boxes-3 .fusion-content-box-hover .fusion-read-more:hover,
					.fusion-content-boxes-3 .fusion-content-box-hover .link-area-box-hover.link-area-box .fusion-read-more,
					.fusion-content-boxes-3 .fusion-content-box-hover .link-area-box-hover.link-area-box .fusion-read-more::after,
					.fusion-content-boxes-3 .fusion-content-box-hover .link-area-box-hover.link-area-box .fusion-read-more::before,
					.fusion-content-boxes-3 .fusion-content-box-hover .link-area-link-icon-hover .icon .circle-no,
					.fusion-content-boxes-3 .heading .heading-link:hover .content-box-heading {
						color: #3ec492;
					}
					.fusion-content-boxes-3 .fusion-content-box-hover .link-area-box-hover .icon .circle-no {
						color: #3ec492 !important;
					}.fusion-content-boxes-3 .fusion-content-box-hover .link-area-box.link-area-box-hover .fusion-content-box-button {background: #5947e0;color: #ffffff;}.fusion-content-boxes-3 .fusion-content-box-hover .link-area-box.link-area-box-hover .fusion-content-box-button .fusion-button-text {color: #ffffff;}
					.fusion-content-boxes-3 .fusion-content-box-hover .link-area-link-icon-hover .heading .icon > span {
						background-color: #3ec492 !important;
					}
					.fusion-content-boxes-3 .fusion-content-box-hover .link-area-box-hover .heading .icon > span {
						border-color: #3ec492 !important;
					}</style><div class="fusion-column content-box-column content-box-column content-box-column-1 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last content-box-column-last-in-row"><div class="col content-box-wrapper content-wrapper link-area-link-icon icon-hover-animation-fade" style="background-color:rgba(255,255,255,0);" data-animationOffset="100%"><div class="heading heading-with-icon icon-left"><div class="icon"><i style="border-color:#3d434c;border-width:1px;background-color:#3d434c;box-sizing:content-box;height:42px;width:42px;line-height:42px;border-radius:50%;color:#ffffff;font-size:21px;" class="fontawesome-icon fa-dollar-sign fas circle-yes"></i></div><h2 class="content-box-heading" style="font-size:18px;line-height:23px;">Keeping the cash flowing </h2></div><div class="fusion-clearfix"></div><div class="content-container" style="color:#747474;">
<p>Cash flow is vital for any business. There are finance products that can be used to give you capital or equipment to grow, while maintaining the funds you need to meet your day-to-day expenses.</p>
</div></div></div><style type="text/css">
						.fusion-content-boxes-3 .fusion-content-box-hover .heading-link:hover .icon i.circle-yes,
						.fusion-content-boxes-3 .fusion-content-box-hover .link-area-box:hover .heading-link .icon i.circle-yes,
						.fusion-content-boxes-3 .fusion-content-box-hover .link-area-link-icon-hover .heading .icon i.circle-yes,
						.fusion-content-boxes-3 .fusion-content-box-hover .link-area-box-hover .heading .icon i.circle-yes {
							background-color: #3ec492 !important;
							border-color: #3ec492 !important;
						}</style><div class="fusion-clearfix"></div></div><div class="fusion-clearfix"></div>

					</div>
				</div><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-5 fusion-one-half fusion-column-last 1_2"  style='margin-top:0px;margin-bottom:40px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'>
					<div class="fusion-column-wrapper" style="padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;"   data-bg-url="">
						<div class="fusion-content-boxes content-boxes columns row fusion-columns-1 fusion-columns-total-1 fusion-content-boxes-4 content-boxes-icon-with-title content-left" data-animationOffset="100%" style="margin-top:0px;margin-bottom:30px;"><style type="text/css">.fusion-content-boxes-4 .heading .content-box-heading {color:#3d434c;}
					.fusion-content-boxes-4 .fusion-content-box-hover .link-area-link-icon-hover .heading .content-box-heading,
					.fusion-content-boxes-4 .fusion-content-box-hover .link-area-link-icon-hover .heading .heading-link .content-box-heading,
					.fusion-content-boxes-4 .fusion-content-box-hover .link-area-box-hover .heading .content-box-heading,
					.fusion-content-boxes-4 .fusion-content-box-hover .link-area-box-hover .heading .heading-link .content-box-heading,
					.fusion-content-boxes-4 .fusion-content-box-hover .link-area-link-icon-hover.link-area-box .fusion-read-more,
					.fusion-content-boxes-4 .fusion-content-box-hover .link-area-link-icon-hover.link-area-box .fusion-read-more::after,
					.fusion-content-boxes-4 .fusion-content-box-hover .link-area-link-icon-hover.link-area-box .fusion-read-more::before,
					.fusion-content-boxes-4 .fusion-content-box-hover .fusion-read-more:hover:after,
					.fusion-content-boxes-4 .fusion-content-box-hover .fusion-read-more:hover:before,
					.fusion-content-boxes-4 .fusion-content-box-hover .fusion-read-more:hover,
					.fusion-content-boxes-4 .fusion-content-box-hover .link-area-box-hover.link-area-box .fusion-read-more,
					.fusion-content-boxes-4 .fusion-content-box-hover .link-area-box-hover.link-area-box .fusion-read-more::after,
					.fusion-content-boxes-4 .fusion-content-box-hover .link-area-box-hover.link-area-box .fusion-read-more::before,
					.fusion-content-boxes-4 .fusion-content-box-hover .link-area-link-icon-hover .icon .circle-no,
					.fusion-content-boxes-4 .heading .heading-link:hover .content-box-heading {
						color: #3ec492;
					}
					.fusion-content-boxes-4 .fusion-content-box-hover .link-area-box-hover .icon .circle-no {
						color: #3ec492 !important;
					}.fusion-content-boxes-4 .fusion-content-box-hover .link-area-box.link-area-box-hover .fusion-content-box-button {background: #5947e0;color: #ffffff;}.fusion-content-boxes-4 .fusion-content-box-hover .link-area-box.link-area-box-hover .fusion-content-box-button .fusion-button-text {color: #ffffff;}
					.fusion-content-boxes-4 .fusion-content-box-hover .link-area-link-icon-hover .heading .icon > span {
						background-color: #3ec492 !important;
					}
					.fusion-content-boxes-4 .fusion-content-box-hover .link-area-box-hover .heading .icon > span {
						border-color: #3ec492 !important;
					}</style><div class="fusion-column content-box-column content-box-column content-box-column-1 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last content-box-column-last-in-row"><div class="col content-box-wrapper content-wrapper link-area-link-icon icon-hover-animation-fade" style="background-color:rgba(255,255,255,0);" data-animationOffset="100%"><div class="heading heading-with-icon icon-left"><div class="icon"><i style="border-color:#3d434c;border-width:1px;background-color:#3d434c;box-sizing:content-box;height:42px;width:42px;line-height:42px;border-radius:50%;color:#ffffff;font-size:21px;" class="fontawesome-icon fa-cogs fas circle-yes"></i></div><h2 class="content-box-heading" style="font-size:18px;line-height:23px;">You need new equipment</h2></div><div class="fusion-clearfix"></div><div class="content-container" style="color:#747474;">
<p>This is one of the most common reasons to get finance, an equipment or vehicle loan can be structured to preserve cash flow and also leverage any tax benefits your accountant or tax adviser may suggest. And because the equipment is the security, you may not need to use other assets, either personal or business, as collateral.</p>
</div></div></div><style type="text/css">
						.fusion-content-boxes-4 .fusion-content-box-hover .heading-link:hover .icon i.circle-yes,
						.fusion-content-boxes-4 .fusion-content-box-hover .link-area-box:hover .heading-link .icon i.circle-yes,
						.fusion-content-boxes-4 .fusion-content-box-hover .link-area-link-icon-hover .heading .icon i.circle-yes,
						.fusion-content-boxes-4 .fusion-content-box-hover .link-area-box-hover .heading .icon i.circle-yes {
							background-color: #3ec492 !important;
							border-color: #3ec492 !important;
						}</style><div class="fusion-clearfix"></div></div><div class="fusion-content-boxes content-boxes columns row fusion-columns-1 fusion-columns-total-1 fusion-content-boxes-5 content-boxes-icon-with-title content-left" data-animationOffset="100%" style="margin-top:0px;margin-bottom:30px;"><style type="text/css">.fusion-content-boxes-5 .heading .content-box-heading {color:#3d434c;}
					.fusion-content-boxes-5 .fusion-content-box-hover .link-area-link-icon-hover .heading .content-box-heading,
					.fusion-content-boxes-5 .fusion-content-box-hover .link-area-link-icon-hover .heading .heading-link .content-box-heading,
					.fusion-content-boxes-5 .fusion-content-box-hover .link-area-box-hover .heading .content-box-heading,
					.fusion-content-boxes-5 .fusion-content-box-hover .link-area-box-hover .heading .heading-link .content-box-heading,
					.fusion-content-boxes-5 .fusion-content-box-hover .link-area-link-icon-hover.link-area-box .fusion-read-more,
					.fusion-content-boxes-5 .fusion-content-box-hover .link-area-link-icon-hover.link-area-box .fusion-read-more::after,
					.fusion-content-boxes-5 .fusion-content-box-hover .link-area-link-icon-hover.link-area-box .fusion-read-more::before,
					.fusion-content-boxes-5 .fusion-content-box-hover .fusion-read-more:hover:after,
					.fusion-content-boxes-5 .fusion-content-box-hover .fusion-read-more:hover:before,
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					.fusion-content-boxes-5 .fusion-content-box-hover .link-area-box-hover.link-area-box .fusion-read-more,
					.fusion-content-boxes-5 .fusion-content-box-hover .link-area-box-hover.link-area-box .fusion-read-more::after,
					.fusion-content-boxes-5 .fusion-content-box-hover .link-area-box-hover.link-area-box .fusion-read-more::before,
					.fusion-content-boxes-5 .fusion-content-box-hover .link-area-link-icon-hover .icon .circle-no,
					.fusion-content-boxes-5 .heading .heading-link:hover .content-box-heading {
						color: #3ec492;
					}
					.fusion-content-boxes-5 .fusion-content-box-hover .link-area-box-hover .icon .circle-no {
						color: #3ec492 !important;
					}.fusion-content-boxes-5 .fusion-content-box-hover .link-area-box.link-area-box-hover .fusion-content-box-button {background: #5947e0;color: #ffffff;}.fusion-content-boxes-5 .fusion-content-box-hover .link-area-box.link-area-box-hover .fusion-content-box-button .fusion-button-text {color: #ffffff;}
					.fusion-content-boxes-5 .fusion-content-box-hover .link-area-link-icon-hover .heading .icon > span {
						background-color: #3ec492 !important;
					}
					.fusion-content-boxes-5 .fusion-content-box-hover .link-area-box-hover .heading .icon > span {
						border-color: #3ec492 !important;
					}</style><div class="fusion-column content-box-column content-box-column content-box-column-1 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last content-box-column-last-in-row"><div class="col content-box-wrapper content-wrapper link-area-link-icon icon-hover-animation-fade" style="background-color:rgba(255,255,255,0);" data-animationOffset="100%"><div class="heading heading-with-icon icon-left"><div class="icon"><i style="border-color:#3d434c;border-width:1px;background-color:#3d434c;box-sizing:content-box;height:42px;width:42px;line-height:42px;border-radius:50%;color:#ffffff;font-size:21px;" class="fontawesome-icon fa-sync-alt fas circle-yes"></i></div><h2 class="content-box-heading" style="font-size:18px;line-height:23px;">It’s time to refinance </h2></div><div class="fusion-clearfix"></div><div class="content-container" style="color:#747474;">
<p>Business lending can be a highly competitive market, with new products and lenders entering the market all the time. This means you can make the most of these new options to obtain finance that simply suits your needs more, or offers more competitive terms or structures that better match you business. There are many ways the right finance can help contribute to your business growth.</p>
</div></div></div><style type="text/css">
						.fusion-content-boxes-5 .fusion-content-box-hover .heading-link:hover .icon i.circle-yes,
						.fusion-content-boxes-5 .fusion-content-box-hover .link-area-box:hover .heading-link .icon i.circle-yes,
						.fusion-content-boxes-5 .fusion-content-box-hover .link-area-link-icon-hover .heading .icon i.circle-yes,
						.fusion-content-boxes-5 .fusion-content-box-hover .link-area-box-hover .heading .icon i.circle-yes {
							background-color: #3ec492 !important;
							border-color: #3ec492 !important;
						}</style><div class="fusion-clearfix"></div></div><div class="fusion-clearfix"></div>

					</div>
				</div><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-6 fusion-one-full fusion-column-first fusion-column-last 1_1"  style='margin-top:0px;margin-bottom:40px;'>
					<div class="fusion-column-wrapper" style="padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;"   data-bg-url="">
						<div class="fusion-text"><h3>Use a broker</h3>
</div><div class="fusion-text"><p>You’re busy running a business. It can be so hard to find the time, yet it’s so important to get it right.<br />
The right finance can help you fuel growth and help build a strong and successful business. Get it wrong and the debt can often have the opposite effect. You don’t want your earnings being exhausted by your repayments, instead of providing you with the cash you need to operate successfully.<br />
In business, the right finance is so much more than just finding the lowest interest rate, and reducing fees. Not only do you need the right type of finance, you need to be able to choose from the widest range of options, terms and structure. Needless to say, there are a lot of complexities. It can be a difficult area to navigate, and to have the confidence to know you’ve made the right choice.<br />
That’s why using a broker like us is a smart decision. We will match the right business loan to your business needs. We have access to a range of business loan options from a variety of lenders. This means we can help find the right loan for your business, and give you the peace of mind that like all good business decisions you’ve explored the options before making the final call.</p>
</div><div class="fusion-clearfix"></div>

					</div>
				</div><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-7 fusion-one-half fusion-column-first 1_2"  style='margin-top:0px;margin-bottom:40px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'>
					<div class="fusion-column-wrapper" style="padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;"   data-bg-url="">
						<div class="fusion-content-boxes content-boxes columns row fusion-columns-1 fusion-columns-total-1 fusion-content-boxes-6 content-boxes-icon-with-title content-left" data-animationOffset="100%" style="margin-top:0px;margin-bottom:30px;"><style type="text/css">.fusion-content-boxes-6 .heading .content-box-heading {color:#3d434c;}
					.fusion-content-boxes-6 .fusion-content-box-hover .link-area-link-icon-hover .heading .content-box-heading,
					.fusion-content-boxes-6 .fusion-content-box-hover .link-area-link-icon-hover .heading .heading-link .content-box-heading,
					.fusion-content-boxes-6 .fusion-content-box-hover .link-area-box-hover .heading .content-box-heading,
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					.fusion-content-boxes-6 .fusion-content-box-hover .link-area-link-icon-hover.link-area-box .fusion-read-more,
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					.fusion-content-boxes-6 .heading .heading-link:hover .content-box-heading {
						color: #3ec492;
					}
					.fusion-content-boxes-6 .fusion-content-box-hover .link-area-box-hover .icon .circle-no {
						color: #3ec492 !important;
					}.fusion-content-boxes-6 .fusion-content-box-hover .link-area-box.link-area-box-hover .fusion-content-box-button {background: #5947e0;color: #ffffff;}.fusion-content-boxes-6 .fusion-content-box-hover .link-area-box.link-area-box-hover .fusion-content-box-button .fusion-button-text {color: #ffffff;}
					.fusion-content-boxes-6 .fusion-content-box-hover .link-area-link-icon-hover .heading .icon > span {
						background-color: #3ec492 !important;
					}
					.fusion-content-boxes-6 .fusion-content-box-hover .link-area-box-hover .heading .icon > span {
						border-color: #3ec492 !important;
					}</style><div class="fusion-column content-box-column content-box-column content-box-column-1 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last content-box-column-last-in-row"><div class="col content-box-wrapper content-wrapper link-area-link-icon icon-hover-animation-fade" style="background-color:rgba(255,255,255,0);" data-animationOffset="100%"><div class="heading heading-with-icon icon-left"><div class="icon"><i style="border-color:#3d434c;border-width:1px;background-color:#3d434c;box-sizing:content-box;height:42px;width:42px;line-height:42px;border-radius:50%;color:#ffffff;font-size:21px;" class="fontawesome-icon fa-handshake fas circle-yes"></i></div><h2 class="content-box-heading" style="font-size:18px;line-height:23px;">We get to know you </h2></div><div class="fusion-clearfix"></div><div class="content-container" style="color:#747474;">
<p>Before identifying the right type of finance product to suit your goals, we will get to know you and your business. Once we’ve identified what you want, we will source the most suitable loan and negotiate across our lending panel to get to the right deal that works for you and what you’re looking to achieve.</p>
</div></div></div><style type="text/css">
						.fusion-content-boxes-6 .fusion-content-box-hover .heading-link:hover .icon i.circle-yes,
						.fusion-content-boxes-6 .fusion-content-box-hover .link-area-box:hover .heading-link .icon i.circle-yes,
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						.fusion-content-boxes-6 .fusion-content-box-hover .link-area-box-hover .heading .icon i.circle-yes {
							background-color: #3ec492 !important;
							border-color: #3ec492 !important;
						}</style><div class="fusion-clearfix"></div></div><div class="fusion-content-boxes content-boxes columns row fusion-columns-1 fusion-columns-total-1 fusion-content-boxes-7 content-boxes-icon-with-title content-left" data-animationOffset="100%" style="margin-top:0px;margin-bottom:30px;"><style type="text/css">.fusion-content-boxes-7 .heading .content-box-heading {color:#3d434c;}
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					.fusion-content-boxes-7 .fusion-content-box-hover .link-area-box-hover .heading .icon > span {
						border-color: #3ec492 !important;
					}</style><div class="fusion-column content-box-column content-box-column content-box-column-1 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last content-box-column-last-in-row"><div class="col content-box-wrapper content-wrapper link-area-link-icon icon-hover-animation-fade" style="background-color:rgba(255,255,255,0);" data-animationOffset="100%"><div class="heading heading-with-icon icon-left"><div class="icon"><i style="border-color:#3d434c;border-width:1px;background-color:#3d434c;box-sizing:content-box;height:42px;width:42px;line-height:42px;border-radius:50%;color:#ffffff;font-size:21px;" class="fontawesome-icon fa-map-signs fas circle-yes"></i></div><h2 class="content-box-heading" style="font-size:18px;line-height:23px;">The latest choices </h2></div><div class="fusion-clearfix"></div><div class="content-container" style="color:#747474;">
<p>We have access to a variety of different lenders with a choice of loan products. Because we deal with lenders day in and day out, we stay up-todate with changes in the market and the latest business loans.</p>
</div></div></div><style type="text/css">
						.fusion-content-boxes-7 .fusion-content-box-hover .heading-link:hover .icon i.circle-yes,
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					.fusion-content-boxes-8 .fusion-content-box-hover .link-area-box-hover .heading .icon > span {
						border-color: #3ec492 !important;
					}</style><div class="fusion-column content-box-column content-box-column content-box-column-1 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last content-box-column-last-in-row"><div class="col content-box-wrapper content-wrapper link-area-link-icon icon-hover-animation-fade" style="background-color:rgba(255,255,255,0);" data-animationOffset="100%"><div class="heading heading-with-icon icon-left"><div class="icon"><i style="border-color:#3d434c;border-width:1px;background-color:#3d434c;box-sizing:content-box;height:42px;width:42px;line-height:42px;border-radius:50%;color:#ffffff;font-size:21px;" class="fontawesome-icon fa-university fas circle-yes"></i></div><h2 class="content-box-heading" style="font-size:18px;line-height:23px;">Get more from the banks </h2></div><div class="fusion-clearfix"></div><div class="content-container" style="color:#747474;">
<p>We know how the lenders work and what they are looking for when it comes to their lending appetites. You may be surprised to hear they all have different lending objectives, parameters and processes; they all operate differently. We will help to structure your proposal, taking into account the various product types, interest rates and fee structures. And because we stay on top of changes in the lending market. We get a sense of lenders’ attitudes toward a particular industry or sector. If a lender’s policy or funding appetite changes in your industry, we can also help you consider appropriate strategies to ensure it is business as usual.</p>
</div></div></div><style type="text/css">
						.fusion-content-boxes-8 .fusion-content-box-hover .heading-link:hover .icon i.circle-yes,
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					</div>
				</div><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-8 fusion-one-half fusion-column-last 1_2"  style='margin-top:0px;margin-bottom:40px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'>
					<div class="fusion-column-wrapper" style="padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;"   data-bg-url="">
						<div class="fusion-content-boxes content-boxes columns row fusion-columns-1 fusion-columns-total-1 fusion-content-boxes-9 content-boxes-icon-with-title content-left" data-animationOffset="100%" style="margin-top:0px;margin-bottom:30px;"><style type="text/css">.fusion-content-boxes-9 .heading .content-box-heading {color:#3d434c;}
					.fusion-content-boxes-9 .fusion-content-box-hover .link-area-link-icon-hover .heading .content-box-heading,
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					.fusion-content-boxes-9 .fusion-content-box-hover .link-area-link-icon-hover .icon .circle-no,
					.fusion-content-boxes-9 .heading .heading-link:hover .content-box-heading {
						color: #3ec492;
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						color: #3ec492 !important;
					}.fusion-content-boxes-9 .fusion-content-box-hover .link-area-box.link-area-box-hover .fusion-content-box-button {background: #5947e0;color: #ffffff;}.fusion-content-boxes-9 .fusion-content-box-hover .link-area-box.link-area-box-hover .fusion-content-box-button .fusion-button-text {color: #ffffff;}
					.fusion-content-boxes-9 .fusion-content-box-hover .link-area-link-icon-hover .heading .icon > span {
						background-color: #3ec492 !important;
					}
					.fusion-content-boxes-9 .fusion-content-box-hover .link-area-box-hover .heading .icon > span {
						border-color: #3ec492 !important;
					}</style><div class="fusion-column content-box-column content-box-column content-box-column-1 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last content-box-column-last-in-row"><div class="col content-box-wrapper content-wrapper link-area-link-icon icon-hover-animation-fade" style="background-color:rgba(255,255,255,0);" data-animationOffset="100%"><div class="heading heading-with-icon icon-left"><div class="icon"><i style="border-color:#3d434c;border-width:1px;background-color:#3d434c;box-sizing:content-box;height:42px;width:42px;line-height:42px;border-radius:50%;color:#ffffff;font-size:21px;" class="fontawesome-icon fa-fast-forward fas circle-yes"></i></div><h2 class="content-box-heading" style="font-size:18px;line-height:23px;">A fast turnaround</h2></div><div class="fusion-clearfix"></div><div class="content-container" style="color:#747474;">
<p>Our understanding of how your finance is structured and the criteria lenders use to assess applications, means we can help ensure the process is as quick and hassle-free as possible.</p>
</div></div></div><style type="text/css">
						.fusion-content-boxes-9 .fusion-content-box-hover .heading-link:hover .icon i.circle-yes,
						.fusion-content-boxes-9 .fusion-content-box-hover .link-area-box:hover .heading-link .icon i.circle-yes,
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						.fusion-content-boxes-9 .fusion-content-box-hover .link-area-box-hover .heading .icon i.circle-yes {
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					.fusion-content-boxes-10 .fusion-content-box-hover .link-area-link-icon-hover.link-area-box .fusion-read-more::after,
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						color: #3ec492 !important;
					}.fusion-content-boxes-10 .fusion-content-box-hover .link-area-box.link-area-box-hover .fusion-content-box-button {background: #5947e0;color: #ffffff;}.fusion-content-boxes-10 .fusion-content-box-hover .link-area-box.link-area-box-hover .fusion-content-box-button .fusion-button-text {color: #ffffff;}
					.fusion-content-boxes-10 .fusion-content-box-hover .link-area-link-icon-hover .heading .icon > span {
						background-color: #3ec492 !important;
					}
					.fusion-content-boxes-10 .fusion-content-box-hover .link-area-box-hover .heading .icon > span {
						border-color: #3ec492 !important;
					}</style><div class="fusion-column content-box-column content-box-column content-box-column-1 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last content-box-column-last-in-row"><div class="col content-box-wrapper content-wrapper link-area-link-icon icon-hover-animation-fade" style="background-color:rgba(255,255,255,0);" data-animationOffset="100%"><div class="heading heading-with-icon icon-left"><div class="icon"><i style="border-color:#3d434c;border-width:1px;background-color:#3d434c;box-sizing:content-box;height:42px;width:42px;line-height:42px;border-radius:50%;color:#ffffff;font-size:21px;" class="fontawesome-icon fa-thumbs-up fas circle-yes"></i></div><h2 class="content-box-heading" style="font-size:18px;line-height:23px;">From application to approval</h2></div><div class="fusion-clearfix"></div><div class="content-container" style="color:#747474;">
<p>We will prepare the funding submission, and we will work with the lender to obtain the most appropriate loan package including structure, terms, rates and fees. We will then manage the whole process through to settlement.<br />
All this to give you the peace of mind your business has the right funding in place, and leaving you to get on to do what you do best – growing your business.</p>
</div></div></div><style type="text/css">
						.fusion-content-boxes-10 .fusion-content-box-hover .heading-link:hover .icon i.circle-yes,
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						.fusion-content-boxes-10 .fusion-content-box-hover .link-area-box-hover .heading .icon i.circle-yes {
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					</div>
				</div><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-9 fusion-one-full fusion-column-first fusion-column-last 1_1"  style='margin-top:0px;margin-bottom:40px;'>
					<div class="fusion-column-wrapper" style="padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;"   data-bg-url="">
						<div class="fusion-text"><h3>Business funding – how does it all work?</h3>
</div><div class="fusion-clearfix"></div>

					</div>
				</div><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-10 fusion-one-half fusion-column-first 1_2"  style='margin-top:0px;margin-bottom:40px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'>
					<div class="fusion-column-wrapper" style="padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;"   data-bg-url="">
						<div class="fusion-text"><h4>How does the lender assess a loan application and interest rates?</h4>
</div><div class="fusion-text"><p>Commercial lending is assessed on a number of different components. Whilst serviceability is key, the risk assessment includes value and type of security (such as residential, commercial, industrial, specialised and alike); industry type; management experience; age of business; purpose of funds; financial ratios, margins, profitability and trend analysis; bank account performance and credit history; and business cash flow.<br />
Lenders assess serviceability or repayment capacity slightly differently. Some will require up to the past three years of tax based financial statements whilst at the other end of the spectrum some will rely on management accounts or even your last BAS statement. In some cases a cash flow forecast complete with assumptions will be required. They will assess strength of your business to withstand interest rate movements, trading fluctuations and ability to meet principal and interest payments even if your loan is interest only.<br />
One thing for certain, lenders treat ability to repay as paramount in their assessment process. And whilst they hold the ultimate decision whether to approve or not, the most important party in this finance application is you, the borrower – it is important you are comfortable with the ability of your business to meet the financial commitment you are entering.<br />
It should also be noted commercial lenders differ greatly in their risk appetite – some specialise in industry or security types while others exclude certain sectors entirely. Understanding these differences (which are dynamic) is crucial in deciding where to place your finance application. A poor alignment between your needs, your business ‘risk profile’ and the risk appetite of a lender is not ideal for your future business growth and success.</p>
</div><div class="fusion-clearfix"></div>

					</div>
				</div><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-11 fusion-one-half fusion-column-last 1_2"  style='margin-top:0px;margin-bottom:40px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'>
					<div class="fusion-column-wrapper" style="padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;"   data-bg-url="">
						<div class="fusion-text"><h4>How are interest rates assessed and what type of fees are applicable?</h4>
</div><div class="fusion-text"><p>Interest rates are extremely competitive amongst lenders and generally the lower the assessed risk, the lower the interest rate, and similarly with value of security offered and comprehensiveness of supporting financial data.<br />
Lenders will charge up-front fees such as a Loan Approval fee, ongoing loan administration fees, and/or limit line fees, and set-up costs such as valuation fees and government duties, and quite often legal costs, documentation preparation cost and settlement fees. Given our strong lender relationships we also know how lenders work, what they look for and what they need from you.</p>
</div><span class="fusion-imageframe imageframe-none imageframe-1 hover-type-none"><img src="https://www.clickcapital.com.au/wp-content/uploads/2018/10/clickcapital-blog-post.jpg?x47666" width="337" height="562" alt="" title="clickcapital-blog-post" class="img-responsive wp-image-1895" srcset="https://www.clickcapital.com.au/wp-content/uploads/2018/10/clickcapital-blog-post-200x334.jpg 200w, https://www.clickcapital.com.au/wp-content/uploads/2018/10/clickcapital-blog-post.jpg 337w" sizes="(max-width: 960px) 100vw, 337px" /></span><div class="fusion-clearfix"></div>

					</div>
				</div><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-12 fusion-one-half fusion-column-first 1_2"  style='margin-top:0px;margin-bottom:40px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'>
					<div class="fusion-column-wrapper" style="padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;"   data-bg-url="">
						<div class="fusion-text"><h4>Why is cash flow an important consideration in finance product selection?</h4>
</div><div class="fusion-text"><p>A general rule is to match the life of the asset being purchased with the life of a loan.<br />
Loan terms to purchase commercial property will vary between ten and 30 years. And whilst property based security is often required for business loans and will attract longer loan terms, lenders will take into consideration the length of lease remaining on the business premises or license, usable life of fit-out and/or franchise term.<br />
Typically Chattel Mortgage Finance for purchase of plant and equipment, motor vehicle etc will have a loan term of between four and seven years which equates approximately to the usable life of the item being purchased. This means when the equipment requires replacement it has no residual debt outstanding and the business will be able to again purchase new equipment and access asset finance options.<br />
Working capital facilities offer a range of choices largely dependent upon the security offered.<br />
Working capital overdrafts are generally annually renewed and facilitate the funding gap by providing an overdraft limit that fluctuates with the cash flow cycle of a business – that is the variability caused between the timing differences between purchase of stock, sale of stock and collection of debtors versus payment of creditors. Similarly Invoice Finance is a revolving facility that is repaid in full each time the debtor makes payment and is then renewed upon new invoicing.<br />
Unsecured business loans are typically much shorter in duration and designed for short term working capital needs and whist they provide very quick access to funds they also have relatively quick repayment terms of between one month to a year but usually a three month term, and with fortnightly, weekly or even daily repayments.</p>
</div><div class="fusion-clearfix"></div>

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				</div><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-13 fusion-one-half fusion-column-last 1_2"  style='margin-top:0px;margin-bottom:40px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );'>
					<div class="fusion-column-wrapper" style="padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;"   data-bg-url="">
						<div class="fusion-text"><h4>What security will be required?</h4>
</div><div class="fusion-text"><p>For commercial loans, lenders will usually seek landed security for business borrowings, quite often the owners residence. If the borrower is a company or trust entity, they will also take a General Security Agreement over all assets of the company entity, and a Guarantee from the Directors, Beneficiaries or Unit Holders.<br />
For most purchases of businesses including goodwill and stock, lenders will require property security. For many business owners this will mean a mortgage over their residence. However in the case of approved franchise systems some lenders will provide finance up to 75 per cent of the value of the business.<br />
In the case of Asset Finance (plant, equipment, motor vehicle, green assets) lenders usually secure the Chattel or Lease Finance by the asset itself, although directors guarantees may also be required.<br />
There are also specialised lenders who provide finance for specific purposes such as Insurance Premium Funding secured by the insurance policies themselves, Trade Finance secured by the stock being purchased, Debtor Finance secured by the debtors and of course Unsecured Business Finance which can be completely unsecured or secured by owners guarantee.</p>
</div><div class="fusion-clearfix"></div>

					</div>
				</div><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-14 fusion-one-half fusion-column-first 1_2"  style='margin-top:0px;margin-bottom:40px;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;'>
					<div class="fusion-column-wrapper" style="padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;"   data-bg-url="">
						<div class="fusion-text"><h4>What financial information is required?</h4>
</div><div class="fusion-text"><p>Depending on lender criteria, supporting information can include owners personal asset and liability statement and tax returns, financial statements of the business (either tax based or management accounts, full year or interim, and up to past three years in some cases) and cash flow forecasts.</p>
</div><div class="fusion-clearfix"></div>

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						<div class="fusion-text"><h4>Why is the type of security important?</h4>
</div><div class="fusion-text"><p>Matching security to the type of finance is important to ensure your risk is correctly weighted and future borrowing capacity not artificially constrained or restricted because of the incorrect use of your assets as security. As an example, utilising property security for a general loan to purchase plant and equipment instead of say a Chattel Mortgage, may mean when the business needs working capital, or to purchase additional property that there is insufficient security available because whilst a property can be used to secure and access equipment finance, it doesn’t work in reverse – that is you cannot use the value of your plant and equipment as security for a general purpose or property loan. So while Asset Finance interest rates may not always be as low as property security, access to finance can be the more important criteria.</p>
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						<div class="fusion-text"><h3>Choose the type of finance you need</h3>
</div><div class="fusion-text"><p>Unlike residential finance, where the challenge is often to save you money, the right business loan may be more about helping increase your potential to make money.<br />
In fact, residential finance and business finance couldn’t be more different. For a home loan, you simply need funds to purchase a home. It’s essentially one type of loan.<br />
In business there are many different types of loans depending on the reason for the finance, the objectives of the business owner, and the sector the business is in.<br />
It’s all about maximising your cash flow, minimising cost and providing opportunities for growth. And there are a variety of products that may help you achieve this:<br />
• Commercial real estate loans – property and development.<br />
• Equipment and vehicle finance.<br />
• Inventory finance.<br />
• Debtor or invoice finance.<br />
• Accounts receivable finance.<br />
• Working capital finance.<br />
• Franchisee loans.<br />
• Self-managed super fund.<br />
• Unsecured short-term business loans.<br />
• Insurance premium funding.<br />
• Term loans.</p>
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						<div class="fusion-text"><h4>Equipment and vehicle Finance</h4>
</div><div class="fusion-text"><p>It’s a common question for small business owners; how do you get your hands on the equipment you need to grow, while still keeping the all-important cash flow and working capital? Choosing the right equipment finance gives you a lot more benefits other than just preserving your day-to-day funds: • Equipment can generate immediate income. • Equipment Finance preserves working capital. • Repayments let you budget more accurately. • Loans are often secured by the asset so usually you don’t have to put your house on the line. • There could be potential tax advantages to consider. What can be financed? Any plant or equipment that can help generate income for your business can usually be financed.<br />
Some examples are as follows: • Motor vehicles. • Commercial vehicles. • Plant and machinery. • Agricultural equipment. • Computers, photocopiers and phone systems. • Medical and dental equipment. • Office equipment. • General business equipment.</p>
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						<div class="fusion-text"><h4>Commercial Real Estate Finance – Property and Development</h4>
</div><div class="fusion-text"><p>Like residential real estate finance, the commercial category is competitive among banks and lenders.<br />
Your business can make the most of this to create excellent opportunities for growth and long-term investment. However, in contrast to the more familiar residential market, there are many more variables.<br />
A commercial real estate loan can be used for anything from retail to industrial, office complexes to aged care facilities, or hotels and apartments, and the finance can be used for buying land, property development or construction. This means you’ll need an understanding of the commercial finance market. Enlisting the help of an experienced business finance broker is a good place to start.</p>
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						<div class="fusion-text"><h4>What types of equipment finance are there?</h4>
</div><div class="fusion-text"><p>There are many different financial products available with some more popular than others. It is important to discuss with your professional advisers such as your accountant which product may be appropriate for your business needs. These options include Commercial Hire Purchase, Chattel Mortgage, Finance Lease, Novated Lease, full maintained Novated Lease and Operating Lease. The more commonly used options are Chattel Mortgage, Finance Lease and Novated Lease. We can help you evaluate the key benefits and differences for each product. Chattel Mortgage The equipment belongs to you from the beginning and the lender has a ‘charge’ over the equipment that secures the loan until the final payment has been made. Because the borrower holds title to the goods there may be taxation benefits. So it’s important to get the right advice from an appropriate professional adviser such as an accountant on how this could best work for you and your business. Finance Lease The lender (lessor) purchases the equipment outright. The borrower (lessee) gets to use the equipment for the term of the lease in return for lease/rental payments. Under a finance lease the borrower (lessee) traditionally doesn’t need to outlay any working capital and may also be eligible to claim a tax deduction. You should consult your tax adviser about potential tax deductions when considering a finance lease. Novated Lease for Vehicles A Novated Lease is a three-way agreement between an employee, their employer and a finance company. The word “Novation” refers to the substitution of a new contract in place of an old one. In other words, the employer agrees to take on the employee’s lease obligations. The employer makes the monthly lease payments out of the employee’s pre-tax income.</p>
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						<div class="fusion-text"><h4>Inventory finance</h4>
</div><div class="fusion-text"><p>For most manufacturers, wholesalers or retailers, keeping stock on the floor is what keeps the business running.<br />
Inventory finance is a short-term loan that allows you to purchase stock in advance without tying up all your cash reserves. The products you buy are the collateral of the loan, so you don’t have to use your assets to secure the loan. Then you pay back the lender once you’ve sold the stock.<br />
Inventory finance is another strategy to preserve cash flow and working capital by allowing you to pay suppliers before you sell the goods. But the real opportunity lies in being able to purchase more stock for your busier times, like Christmas. For anyone with something to sell, it can really help boost sales volumes.<br />
These types of loans traditionally have short timespans between 30 to 120 days and the rates and fees can be higher, which can impact your margins. Finding the right product and terms to help you achieve your goals is essential. An important thing to remember is that lenders will want to see a strong track record of sales and a good credit history.</p>
</div><span class="fusion-imageframe imageframe-none imageframe-2 hover-type-none"><img src="https://www.clickcapital.com.au/wp-content/uploads/2018/10/clickcapital-blog-post-1.jpg?x47666" width="335" height="479" alt="" title="clickcapital-blog-post-1" class="img-responsive wp-image-1896" srcset="https://www.clickcapital.com.au/wp-content/uploads/2018/10/clickcapital-blog-post-1-200x286.jpg 200w, https://www.clickcapital.com.au/wp-content/uploads/2018/10/clickcapital-blog-post-1.jpg 335w" sizes="(max-width: 960px) 100vw, 335px" /></span><div class="fusion-clearfix"></div>

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						<div class="fusion-text"><h4>Working capital finance</h4>
</div><div class="fusion-text"><p>Working capital finance is a loan that helps you take care of your business by taking care of more immediate and day-to-day costs.<br />
Like the name suggests, having this type of financing means you have the capital to cover vital costs like ensuring cash flow, paying suppliers on time, or covering employees’ wages during slower periods.<br />
Just as importantly, it also means you can have funds at hand when you need them to create growth and make the most of any opportunities when they happen. The money is there, if and when you need it, and usually, you only start repayments when you’ve drawn down on it.<br />
Unlike other more specific business finance products, working capital loans can be used for many different purposes. Secured or Unsecured Some loans require collateral like your business assets, inventory or even your own home or commercial property as security. However, unsecured loans are still available. The great thing about this is you don’t have to bet your house on your businesses success. The main thing to remember is that because of the short-term nature of working capital finance, the interest rates and fees can be higher. At the end of the day, good business finance should help your growth, not hinder it and we’re here to help you find the right solution.</p>
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						<div class="fusion-text"><h4>Loans to purchase a business or franchise</h4>
</div><div class="fusion-text"><p>Whether you’re expanding a current business or starting up a new one, it goes without saying that finding the right finance product for your business or franchise is critical to your success.<br />
The loan options out there are as wide and varied as the type of businesses the lenders are financing. Choosing the finance product that suits your needs is just the beginning. Before a lender will approve your loan, they often require a lot of detailed information. They’ll want to see real numbers about things like cash flow, profitability, tax returns, sales forecasts and growth potential of the business. From you, they’ll also want to know about your qualifications, your personal assets and liabilities, and how much you’ll be able to invest. It can often be a complicated and time-consuming undertaking.<br />
We can guide you through the entire process, from selecting the right loan, to putting the application together and getting final approval. We work hard to stay up-to-date on available products and understand what lenders need for your application to help maximise your chance of approval.</p>
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						<div class="fusion-text"><p style="font-size: 14px;">The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.</p>
</div><div class="imageframe-align-center"><span class="fusion-imageframe imageframe-none imageframe-3 hover-type-none"><img src="https://www.clickcapital.com.au/wp-content/uploads/2018/10/clickcapital-blog-post-2.jpg?x47666" width="699" height="330" alt="" title="clickcapital-blog-post-2" class="img-responsive wp-image-1897" srcset="https://www.clickcapital.com.au/wp-content/uploads/2018/10/clickcapital-blog-post-2-200x94.jpg 200w, https://www.clickcapital.com.au/wp-content/uploads/2018/10/clickcapital-blog-post-2-400x189.jpg 400w, https://www.clickcapital.com.au/wp-content/uploads/2018/10/clickcapital-blog-post-2-600x283.jpg 600w, https://www.clickcapital.com.au/wp-content/uploads/2018/10/clickcapital-blog-post-2.jpg 699w" sizes="(max-width: 960px) 100vw, 699px" /></span></div><div class="fusion-button-wrapper"><style type="text/css">.fusion-button.button-3 .fusion-button-text, .fusion-button.button-3 i {color:#ffffff;}.fusion-button.button-3 .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-3:hover .fusion-button-text, .fusion-button.button-3:hover i,.fusion-button.button-3:focus .fusion-button-text, .fusion-button.button-3:focus i,.fusion-button.button-3:active .fusion-button-text, .fusion-button.button-3:active{color:#ffffff;}.fusion-button.button-3:hover .fusion-button-icon-divider, .fusion-button.button-3:hover .fusion-button-icon-divider, .fusion-button.button-3:active .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-3:hover, .fusion-button.button-3:focus, .fusion-button.button-3:active{border-color:#ffffff;}.fusion-button.button-3 {border-color:#ffffff;border-radius:2px;}.fusion-button.button-3{background: #e91e63;
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		<title>Excel CRM Plumbers</title>
		<link>https://www.clickcapital.com.au/excel-crm-plumbers/</link>
				<comments>https://www.clickcapital.com.au/excel-crm-plumbers/#respond</comments>
				<pubDate>Mon, 08 May 2017 07:52:02 +0000</pubDate>
		<dc:creator><![CDATA[Clickcapital Admin]]></dc:creator>
				<category><![CDATA[Business Growth]]></category>

		<guid isPermaLink="false">https://www.clickcapital.com.au/?p=1680</guid>
				<description><![CDATA[Free Excel CRM for Plumbers  How to guide. Chat to a Business Finance Expert   "Free Excel Spreadsheet CRM for Plumbers"        Free Excel CRM for Plumbers - How to Guide          Customer Relationship Management (CRM) systems and CRM software]]></description>
			
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						<div class="fusion-column-content-centered"><div class="fusion-column-content"><div class="fusion-text"><h2 style="color: #ffffff;">Free Excel CRM<span style="color: #92ff2d;"> for Plumbers</span></h2>
</div><div class="fusion-text"><h2 style="text-align: left; color: #ffffff;">How to guide.</h2>
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							background-image: linear-gradient( to top, #8bc34a, #39db1c );}</style><a class="fusion-button button-flat fusion-button-default-size button-custom button-4 fusion-button-default-span fusion-button-default-type" target="_self" href="https://www.clickcapital.com.au/contact/"><span class="fusion-button-text">Chat to a Business Finance Expert</span></a></div></div></div><div class="fusion-clearfix"></div>

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						<div class="fusion-column-content-centered"><div class="fusion-column-content"><div class="fusion-sep-clear"></div><div class="fusion-separator fusion-full-width-sep sep-none" style="margin-left: auto;margin-right: auto;margin-top:5px;"></div><div class="fusion-text"><p style="text-align: center;"><span style="color: #ffffff; font-size: 28px; font-weight: 600;">&#8220;Free Excel Spreadsheet CRM for Plumbers&#8221;</span></p>
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						<div class="fusion-text"><h1 style="text-align: center;"><strong>Free Excel CRM for Plumbers &#8211; How to Guide</strong></h1>
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						<div class="fusion-text"><p><strong>Customer Relationship Management (CRM)</strong> systems and CRM software can help you increase sales by streamlining communications with your potential and current customers. Online CRM software can help you integrate revenue tracking, sales, and email into an all-in-one system. If you don&#8217;t need that type of integration and are just looking for a simple (and free) way to keep track of leads, then you can try using an Excel template. I designed the CRM Template below based on the request from a few users. It may not be everything you want it to be, but it might give you a head start on customizing your own solution or help you decide whether a spreadsheet-based solution is right for you.</p>
<h2>The CRM Template</h2>
<p>A critical feature of any CRM system is to <strong>track communications</strong> with customers, <strong>plan follow-up</strong> contacts, update the <strong>lead status</strong>, and after gaining a customer, schedule future communication that will help you keep them as a customer. <strong>Tracking sales</strong> is also an important part of CRM.</p>
<p>The CRM template provides a starting point for people looking for an Excel-based CRM solution. It is designed to be easy to customize (limited only by your knowledge of Excel).</p>
<p>In it&#8217;s current form, this template is just a table formatted to allow sorting, filtering, and display of important customer information &#8211; a fancier version of the <u>Contact List Template</u>.</p>
<p>The most complex part of the spreadsheet has to do with the conditional formatting used to highlight the dates in the Last Contact and Next Contact columns. I&#8217;m a fan of conditional formatting, but if you don&#8217;t like it or want to change the colors, see Excel&#8217;s help system (F1) for how to clear or change conditional formats. For more information on using these columns, see below.</p>
<p>I personally do not use CRM software, so future updates and versions of this template will be based on the feedback and requests that I get from users.</p>
<p style="text-align: center;"><div class="fusion-button-wrapper fusion-aligncenter"><style type="text/css">.fusion-button.button-5 {border-radius:2px;}</style><a class="fusion-button button-flat fusion-button-default-size button-default button-5 fusion-button-default-span fusion-button-default-type" target="_self" href="https://www.clickcapital.com.au/Free-CRM-for-Builders"><i class=" fa fa-download button-icon-left"></i><span class="fusion-button-text">DOWNLOAD THE CRM FILE</span></a></div></p>
<h2>How to Use the CRM Template in Excel</h2>
<p><strong>Sorting and Filtering</strong>: This template is designed around Excel&#8217;s built-in Sorting and Filtering features. With a couple clicks on the arrow in the column header, you can do things such as:</p>
<ul>
<li>Order the table based on the <strong>Estimated Sale value</strong></li>
<li>Filter out customers from the list where the Lead Status is &#8220;loss&#8221; or &#8220;cold&#8221;</li>
<li>Sort the table by <strong>Next Contact date</strong> so you can make the most urgent contacts first</li>
</ul>
<p><strong>Demographics</strong> &#8211; For any contact, you&#8217;ll want to record their name, company, job title or position, email, phone #, etc. Information that may be nice to know what not necessary to refer to on a day-to-day basis could be saved in the optional <strong>ContactDetails</strong> worksheet (which is just the <u>contact list</u> added to this workbook).</p>
<p><strong>Estimated Sale</strong> &#8211; For <strong>active</strong> customers, this might be the average monthly or annual sales figure &#8211; something to help you easily see the value of keeping that customer. For <strong>potential</strong> customers, this could be your estimate of the customer&#8217;s potential monthly or annual sales.</p>
<p><strong>Last Contact</strong> &#8211; When you make a contact, you record the date in the Last Contact field. The highlighting will make the cell green if the contact was recent, pink if it has been a long time since that last contact, or yellow for somewhere in between. Use the <strong>Settings</strong> worksheet to customize the number of days that are used for the basis for when the cell should be green/yellow/pink.</p>
<p><strong>Next Contact</strong> &#8211; Planning follow-up communication is important, so use this column to record the date for the next contact and use the Next Action column to enter a code that describes what your follow-up action will be.</p>
<p><strong>Notes</strong> &#8211; There are many ways that you can record notes about communications with your leads. You could add cell comments as shown in the screenshot image above. You can use a Notes column with Wrap Text turned on (though for long notes, that will make the table messy). You can also use the optional <strong>Contact Log</strong> worksheet, to record notes about each individual communication.</p>
<p><strong>Sales Log</strong> &#8211; If you want to create monthly or quarterly or annual sales reports, you&#8217;ll need a way to record individual sales. That could be done using the optional <strong>Sales Log</strong> worksheet. You could then add a Pivot Table to summarize the data, or create your own Excel dashboard to display important summary data.</p>
</div><div class="fusion-button-wrapper fusion-aligncenter"><style type="text/css">.fusion-button.button-6 .fusion-button-text, .fusion-button.button-6 i {color:#ffffff;}.fusion-button.button-6 .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-6:hover .fusion-button-text, .fusion-button.button-6:hover i,.fusion-button.button-6:focus .fusion-button-text, .fusion-button.button-6:focus i,.fusion-button.button-6:active .fusion-button-text, .fusion-button.button-6:active{color:#ffffff;}.fusion-button.button-6:hover .fusion-button-icon-divider, .fusion-button.button-6:hover .fusion-button-icon-divider, .fusion-button.button-6:active .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-6:hover, .fusion-button.button-6:focus, .fusion-button.button-6:active{border-color:#ffffff;}.fusion-button.button-6 {border-color:#ffffff;border-radius:2px;}.fusion-button.button-6{background: #e91e63;}.fusion-button.button-6:hover,.button-6:focus,.fusion-button.button-6:active{background: #5947e0;}</style><a class="fusion-button button-flat fusion-button-default-size button-custom button-6 fusion-button-default-span fusion-button-default-type" target="_self" href="www.clickcapital.com.au/products"><span class="fusion-button-text">LEARN MORE ABOUT OUR BUSINESS LOANS</span></a></div><div class="fusion-clearfix"></div>

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						<div class="fusion-text"><h2 style="text-align: center; color: #fff; font-size: 70px; line-height: 1;">Business Finance Professionals</h2>
</div><div class="imageframe-align-center"><span class="fusion-imageframe imageframe-none imageframe-5 hover-type-none"><img src="https://www.clickcapital.com.au/wp-content/uploads/2016/10/line_separator-1.png?x47666" width="161" height="26" alt="" title="line_separator" class="img-responsive wp-image-50"/></span></div><div class="fusion-sep-clear"></div><div class="fusion-separator fusion-full-width-sep sep-none" style="margin-left: auto;margin-right: auto;margin-top:18px;"></div><div class="fusion-text"><p style="text-align: center; color: #fff;">Business owners trust us to look after the needs of their business. We are specialists committed to delivering the very highest service in Business Finance and Insurance.</p>
</div><div class="fusion-sep-clear"></div><div class="fusion-separator fusion-full-width-sep sep-none" style="margin-left: auto;margin-right: auto;margin-top:15px;"></div><div class="fusion-button-wrapper fusion-aligncenter"><style type="text/css">.fusion-button.button-7 .fusion-button-text, .fusion-button.button-7 i {color:#3d434c;}.fusion-button.button-7 .fusion-button-icon-divider{border-color:#3d434c;}.fusion-button.button-7:hover .fusion-button-text, .fusion-button.button-7:hover i,.fusion-button.button-7:focus .fusion-button-text, .fusion-button.button-7:focus i,.fusion-button.button-7:active .fusion-button-text, .fusion-button.button-7:active{color:#ffffff;}.fusion-button.button-7:hover .fusion-button-icon-divider, .fusion-button.button-7:hover .fusion-button-icon-divider, .fusion-button.button-7:active .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-7:hover, .fusion-button.button-7:focus, .fusion-button.button-7:active{border-color:#ffffff;}.fusion-button.button-7 {border-color:#3d434c;border-radius:2px;}.fusion-button.button-7{background: #ffffff;}.fusion-button.button-7:hover,.button-7:focus,.fusion-button.button-7:active{background: #5947e0;}</style><a class="fusion-button button-flat button-xlarge button-custom button-7 fusion-button-default-span fusion-button-default-type" target="_self" href="https://www.clickcapital.com.au/contact/"><span class="fusion-button-text">Contact Us</span></a></div><div class="fusion-clearfix"></div>

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		<title>Excel CRM for Electricians</title>
		<link>https://www.clickcapital.com.au/excel-crm-electricians/</link>
				<comments>https://www.clickcapital.com.au/excel-crm-electricians/#respond</comments>
				<pubDate>Mon, 08 May 2017 06:42:27 +0000</pubDate>
		<dc:creator><![CDATA[Clickcapital Admin]]></dc:creator>
				<category><![CDATA[Business Growth]]></category>

		<guid isPermaLink="false">https://www.clickcapital.com.au/?p=1676</guid>
				<description><![CDATA[Free Excel CRM for Electricians  How to guide. Chat to a Business Finance Expert   "Free Excel Spreadsheet CRM for Electricians"        Free Excel CRM for Electricians - How to Guide          Customer Relationship Management (CRM) systems and CRM software]]></description>
			
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					<content:encoded><![CDATA[<p><div id="applyunsecuredbusinessloan"><div id="applyunsecuredbusinessloan" class="fusion-fullwidth fullwidth-box fusion-builder-row-8 fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-equal-height-columns"  style='background-color: #ffffff;background-image: url("https://www.clickcapital.com.au/wp-content/uploads/2017/04/unsecured-business-loans-hero-image-clickcapital1.jpg");background-position: center center;background-repeat: no-repeat;padding-top:120px;padding-right:0px;padding-bottom:25px;padding-left:0px;margin-bottom: 4%;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;'><div class="fusion-builder-row fusion-row "><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-33 fusion-one-half fusion-column-first fusion-column-no-min-height 1_2"  style='margin-top:0px;margin-bottom:40px;width:50%;width:calc(50% - ( ( 8% ) * 0.5 ) );margin-right: 8%;'>
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						<div class="fusion-column-content-centered"><div class="fusion-column-content"><div class="fusion-text"><h2 style="color: #ffffff;">Free Excel CRM<span style="color: #92ff2d;"> for Electricians</span></h2>
</div><div class="fusion-text"><h2 style="text-align: left; color: #ffffff;">How to guide.</h2>
</div><div class="fusion-button-wrapper"><style type="text/css">.fusion-button.button-8 .fusion-button-text, .fusion-button.button-8 i {color:#ffffff;}.fusion-button.button-8 .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-8:hover .fusion-button-text, .fusion-button.button-8:hover i,.fusion-button.button-8:focus .fusion-button-text, .fusion-button.button-8:focus i,.fusion-button.button-8:active .fusion-button-text, .fusion-button.button-8:active{color:#ffffff;}.fusion-button.button-8:hover .fusion-button-icon-divider, .fusion-button.button-8:hover .fusion-button-icon-divider, .fusion-button.button-8:active .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-8:hover, .fusion-button.button-8:focus, .fusion-button.button-8:active{border-color:#ffffff;}.fusion-button.button-8 {border-color:#ffffff;border-radius:2px;}.fusion-button.button-8{background: #e91e63;
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							background-image: linear-gradient( to top, #8bc34a, #39db1c );}</style><a class="fusion-button button-flat fusion-button-default-size button-custom button-8 fusion-button-default-span fusion-button-default-type" target="_self" href="https://www.clickcapital.com.au/contact/"><span class="fusion-button-text">Chat to a Business Finance Expert</span></a></div></div></div><div class="fusion-clearfix"></div>

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				</div><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-34 fusion-one-half fusion-column-last 1_2"  style='margin-top:0px;margin-bottom:40px;width:50%;width:calc(50% - ( ( 8% ) * 0.5 ) );'>
					<div class="fusion-column-wrapper" style="padding: 40px 40px 0px 40px;background-image: url('https://www.clickcapital.com.au/wp-content/uploads/2016/11/pattern_bg-1.jpg');background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;"   data-bg-url="https://www.clickcapital.com.au/wp-content/uploads/2016/11/pattern_bg-1.jpg">
						<div class="fusion-column-content-centered"><div class="fusion-column-content"><div class="fusion-sep-clear"></div><div class="fusion-separator fusion-full-width-sep sep-none" style="margin-left: auto;margin-right: auto;margin-top:5px;"></div><div class="fusion-text"><p style="text-align: center;"><span style="color: #ffffff; font-size: 28px; font-weight: 600;">&#8220;Free Excel Spreadsheet CRM for Electricians&#8221;</span></p>
</div><div class="fusion-menu-anchor BusinessInsuranceapply" id="BusinessInsuranceapply"></div><div class="fusion-text">
                <div class='gf_browser_unknown gform_wrapper' id='gform_wrapper_16' ><form method='post' enctype='multipart/form-data'  id='gform_16'  action='/author/wiptik/feed/'> 
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                        <div class='gform_heading'>
                            <span class='gform_description'>Enter your name and email address to get your FREE Excel CRM.</span>
                        </div>
                        <div class='gform_body'><ul id='gform_fields_16' class='gform_fields top_label form_sublabel_below description_below'><li id='field_16_1'  class='gfield gfield_contains_required field_sublabel_below field_description_below hidden_label gfield_visibility_visible' ><label class='gfield_label' for='input_16_1' >Name<span class='gfield_required'>*</span></label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_16_1' type='text' value='' class='medium'    placeholder='Name' aria-required="true" aria-invalid="false" /></div></li><li id='field_16_2'  class='gfield gfield_contains_required field_sublabel_below field_description_below hidden_label gfield_visibility_visible' ><label class='gfield_label' for='input_16_2' >Email<span class='gfield_required'>*</span></label><div class='ginput_container ginput_container_email'>
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                            </ul></div>
        <div class='gform_footer top_label'> <input type='submit' id='gform_submit_button_16' class='gform_button button' value='Download Your FREE Excel CRM'  onclick='if(window["gf_submitting_16"]){return false;}  window["gf_submitting_16"]=true;  ' onkeypress='if( event.keyCode == 13 ){ if(window["gf_submitting_16"]){return false;} window["gf_submitting_16"]=true;  jQuery("#gform_16").trigger("submit",[true]); }' /> 
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                        </form>
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</div></div></div><div class="fusion-clearfix"></div>

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				</div></div></div></div><div class="fusion-fullwidth fullwidth-box fusion-builder-row-9 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;'><div class="fusion-builder-row fusion-row "><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-35 fusion-one-full fusion-column-first fusion-column-last 1_1"  style='margin-top:0px;margin-bottom:40px;'>
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						<div class="fusion-text"><h1 style="text-align: center;"><strong>Free Excel CRM for Electricians &#8211; How to Guide</strong></h1>
</div><div class="fusion-clearfix"></div>

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				</div></div></div><div class="fusion-fullwidth fullwidth-box fusion-builder-row-10 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;'><div class="fusion-builder-row fusion-row "><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_1_4 fusion-builder-column-36 fusion-one-fourth fusion-column-first 1_4"  style='margin-top:0px;margin-bottom:40px;width:25%;width:calc(25% - ( ( 4% + 4% ) * 0.25 ) );margin-right: 4%;'>
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						<div class="imageframe-align-center"><div class="imageframe-liftup"><span class="fusion-imageframe imageframe-none imageframe-6"><a href="https://www.clickcapital.com.au/wp-content/uploads/2017/05/crm-tempalte.jpg?x47666" class="fusion-lightbox" data-rel="iLightbox[14e099e06cfdc45a01a]" data-title="crm tempalte" title="crm tempalte"><img src="https://www.clickcapital.com.au/wp-content/uploads/2017/05/crm-tempalte.jpg?x47666" width="530" height="378" alt="free excel crm for builders - clickcapital business loans" class="img-responsive wp-image-1660" srcset="https://www.clickcapital.com.au/wp-content/uploads/2017/05/crm-tempalte-200x143.jpg 200w, https://www.clickcapital.com.au/wp-content/uploads/2017/05/crm-tempalte-400x285.jpg 400w, https://www.clickcapital.com.au/wp-content/uploads/2017/05/crm-tempalte.jpg 530w" sizes="(max-width: 960px) 100vw, 530px" /></a></span></div></div><div class="fusion-clearfix"></div>

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					<div class="fusion-column-wrapper" style="padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;"   data-bg-url="">
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				</div></div></div><div class="fusion-fullwidth fullwidth-box fusion-builder-row-11 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;'><div class="fusion-builder-row fusion-row "><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-39 fusion-one-full fusion-column-first fusion-column-last 1_1"  style='margin-top:0px;margin-bottom:40px;'>
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						<div class="fusion-text"><p><strong>Customer Relationship Management (CRM)</strong> systems and CRM software can help you increase sales by streamlining communications with your potential and current customers. Online CRM software can help you integrate revenue tracking, sales, and email into an all-in-one system. If you don&#8217;t need that type of integration and are just looking for a simple (and free) way to keep track of leads, then you can try using an Excel template. I designed the CRM Template below based on the request from a few users. It may not be everything you want it to be, but it might give you a head start on customizing your own solution or help you decide whether a spreadsheet-based solution is right for you.</p>
<h2>The CRM Template</h2>
<p>A critical feature of any CRM system is to <strong>track communications</strong> with customers, <strong>plan follow-up</strong> contacts, update the <strong>lead status</strong>, and after gaining a customer, schedule future communication that will help you keep them as a customer. <strong>Tracking sales</strong> is also an important part of CRM.</p>
<p>The CRM template provides a starting point for people looking for an Excel-based CRM solution. It is designed to be easy to customize (limited only by your knowledge of Excel).</p>
<p>In it&#8217;s current form, this template is just a table formatted to allow sorting, filtering, and display of important customer information &#8211; a fancier version of the <u>Contact List Template</u>.</p>
<p>The most complex part of the spreadsheet has to do with the conditional formatting used to highlight the dates in the Last Contact and Next Contact columns. I&#8217;m a fan of conditional formatting, but if you don&#8217;t like it or want to change the colors, see Excel&#8217;s help system (F1) for how to clear or change conditional formats. For more information on using these columns, see below.</p>
<p>I personally do not use CRM software, so future updates and versions of this template will be based on the feedback and requests that I get from users.</p>
<p style="text-align: center;"><div class="fusion-button-wrapper fusion-aligncenter"><style type="text/css">.fusion-button.button-9 {border-radius:2px;}</style><a class="fusion-button button-flat fusion-button-default-size button-default button-9 fusion-button-default-span fusion-button-default-type" target="_self" href="https://www.clickcapital.com.au/Free-CRM-for-Builders"><i class=" fa fa-download button-icon-left"></i><span class="fusion-button-text">DOWNLOAD THE CRM FILE</span></a></div></p>
<h2>How to Use the CRM Template in Excel</h2>
<p><strong>Sorting and Filtering</strong>: This template is designed around Excel&#8217;s built-in Sorting and Filtering features. With a couple clicks on the arrow in the column header, you can do things such as:</p>
<ul>
<li>Order the table based on the <strong>Estimated Sale value</strong></li>
<li>Filter out customers from the list where the Lead Status is &#8220;loss&#8221; or &#8220;cold&#8221;</li>
<li>Sort the table by <strong>Next Contact date</strong> so you can make the most urgent contacts first</li>
</ul>
<p><strong>Demographics</strong> &#8211; For any contact, you&#8217;ll want to record their name, company, job title or position, email, phone #, etc. Information that may be nice to know what not necessary to refer to on a day-to-day basis could be saved in the optional <strong>ContactDetails</strong> worksheet (which is just the <u>contact list</u> added to this workbook).</p>
<p><strong>Estimated Sale</strong> &#8211; For <strong>active</strong> customers, this might be the average monthly or annual sales figure &#8211; something to help you easily see the value of keeping that customer. For <strong>potential</strong> customers, this could be your estimate of the customer&#8217;s potential monthly or annual sales.</p>
<p><strong>Last Contact</strong> &#8211; When you make a contact, you record the date in the Last Contact field. The highlighting will make the cell green if the contact was recent, pink if it has been a long time since that last contact, or yellow for somewhere in between. Use the <strong>Settings</strong> worksheet to customize the number of days that are used for the basis for when the cell should be green/yellow/pink.</p>
<p><strong>Next Contact</strong> &#8211; Planning follow-up communication is important, so use this column to record the date for the next contact and use the Next Action column to enter a code that describes what your follow-up action will be.</p>
<p><strong>Notes</strong> &#8211; There are many ways that you can record notes about communications with your leads. You could add cell comments as shown in the screenshot image above. You can use a Notes column with Wrap Text turned on (though for long notes, that will make the table messy). You can also use the optional <strong>Contact Log</strong> worksheet, to record notes about each individual communication.</p>
<p><strong>Sales Log</strong> &#8211; If you want to create monthly or quarterly or annual sales reports, you&#8217;ll need a way to record individual sales. That could be done using the optional <strong>Sales Log</strong> worksheet. You could then add a Pivot Table to summarize the data, or create your own Excel dashboard to display important summary data.</p>
</div><div class="fusion-button-wrapper fusion-aligncenter"><style type="text/css">.fusion-button.button-10 .fusion-button-text, .fusion-button.button-10 i {color:#ffffff;}.fusion-button.button-10 .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-10:hover .fusion-button-text, .fusion-button.button-10:hover i,.fusion-button.button-10:focus .fusion-button-text, .fusion-button.button-10:focus i,.fusion-button.button-10:active .fusion-button-text, .fusion-button.button-10:active{color:#ffffff;}.fusion-button.button-10:hover .fusion-button-icon-divider, .fusion-button.button-10:hover .fusion-button-icon-divider, .fusion-button.button-10:active .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-10:hover, .fusion-button.button-10:focus, .fusion-button.button-10:active{border-color:#ffffff;}.fusion-button.button-10 {border-color:#ffffff;border-radius:2px;}.fusion-button.button-10{background: #e91e63;}.fusion-button.button-10:hover,.button-10:focus,.fusion-button.button-10:active{background: #5947e0;}</style><a class="fusion-button button-flat fusion-button-default-size button-custom button-10 fusion-button-default-span fusion-button-default-type" target="_self" href="www.clickcapital.com.au/products"><span class="fusion-button-text">GET A FREE CONSTRUCTION LOAN QUOTE</span></a></div><div class="fusion-clearfix"></div>

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						<div class="fusion-text"><h2 style="text-align: center; color: #fff; font-size: 70px; line-height: 1;">Business Finance Professionals</h2>
</div><div class="imageframe-align-center"><span class="fusion-imageframe imageframe-none imageframe-7 hover-type-none"><img src="https://www.clickcapital.com.au/wp-content/uploads/2016/10/line_separator-1.png?x47666" width="161" height="26" alt="" title="line_separator" class="img-responsive wp-image-50"/></span></div><div class="fusion-sep-clear"></div><div class="fusion-separator fusion-full-width-sep sep-none" style="margin-left: auto;margin-right: auto;margin-top:18px;"></div><div class="fusion-text"><p style="text-align: center; color: #fff;">Business owners trust us to look after the needs of their business. We are specialists committed to delivering the very highest service in Business Finance and Insurance.</p>
</div><div class="fusion-sep-clear"></div><div class="fusion-separator fusion-full-width-sep sep-none" style="margin-left: auto;margin-right: auto;margin-top:15px;"></div><div class="fusion-button-wrapper fusion-aligncenter"><style type="text/css">.fusion-button.button-11 .fusion-button-text, .fusion-button.button-11 i {color:#3d434c;}.fusion-button.button-11 .fusion-button-icon-divider{border-color:#3d434c;}.fusion-button.button-11:hover .fusion-button-text, .fusion-button.button-11:hover i,.fusion-button.button-11:focus .fusion-button-text, .fusion-button.button-11:focus i,.fusion-button.button-11:active .fusion-button-text, .fusion-button.button-11:active{color:#ffffff;}.fusion-button.button-11:hover .fusion-button-icon-divider, .fusion-button.button-11:hover .fusion-button-icon-divider, .fusion-button.button-11:active .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-11:hover, .fusion-button.button-11:focus, .fusion-button.button-11:active{border-color:#ffffff;}.fusion-button.button-11 {border-color:#3d434c;border-radius:2px;}.fusion-button.button-11{background: #ffffff;}.fusion-button.button-11:hover,.button-11:focus,.fusion-button.button-11:active{background: #5947e0;}</style><a class="fusion-button button-flat button-xlarge button-custom button-11 fusion-button-default-span fusion-button-default-type" target="_self" href="https://www.clickcapital.com.au/contact/"><span class="fusion-button-text">Contact Us</span></a></div><div class="fusion-clearfix"></div>

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							<wfw:commentRss>https://www.clickcapital.com.au/excel-crm-electricians/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
							</item>
		<item>
		<title>Excel CRM for Builders</title>
		<link>https://www.clickcapital.com.au/excel-crm-builders/</link>
				<comments>https://www.clickcapital.com.au/excel-crm-builders/#respond</comments>
				<pubDate>Sun, 07 May 2017 07:22:16 +0000</pubDate>
		<dc:creator><![CDATA[Clickcapital Admin]]></dc:creator>
				<category><![CDATA[Business Growth]]></category>

		<guid isPermaLink="false">https://www.clickcapital.com.au/?p=1658</guid>
				<description><![CDATA[Free Excel CRM for Builders  How to guide. Chat to a Business Finance Expert    "Free Excel Spreadsheet CRM for Builders"       Free Excel CRM for Builders - How to Guide          Customer Relationship Management (CRM) systems and]]></description>
			
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					<content:encoded><![CDATA[<p><div id="applyunsecuredbusinessloan"><div id="applyunsecuredbusinessloan" class="fusion-fullwidth fullwidth-box fusion-builder-row-13 fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-equal-height-columns"  style='background-color: #ffffff;background-image: url("https://www.clickcapital.com.au/wp-content/uploads/2017/04/unsecured-business-loans-hero-image-clickcapital1.jpg");background-position: center center;background-repeat: no-repeat;padding-top:120px;padding-right:0px;padding-bottom:25px;padding-left:0px;margin-bottom: 4%;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;'><div class="fusion-builder-row fusion-row "><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-42 fusion-one-half fusion-column-first fusion-column-no-min-height 1_2"  style='margin-top:0px;margin-bottom:40px;width:50%;width:calc(50% - ( ( 8% ) * 0.5 ) );margin-right: 8%;'>
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						<div class="fusion-column-content-centered"><div class="fusion-column-content"><div class="fusion-text"><h2 style="color: #ffffff;">Free Excel CRM<span style="color: #92ff2d;"> for Builders</span></h2>
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				</div></div></div></div><div class="fusion-fullwidth fullwidth-box fusion-builder-row-14 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;'><div class="fusion-builder-row fusion-row "><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-44 fusion-one-full fusion-column-first fusion-column-last 1_1"  style='margin-top:0px;margin-bottom:40px;'>
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						<div class="fusion-text"><h1 style="text-align: center;"><strong>Free Excel CRM for Builders &#8211; How to Guide</strong></h1>
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					</div>
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						<div class="fusion-text"><p><strong>Customer Relationship Management (CRM)</strong> systems and CRM software can help you increase sales by streamlining communications with your potential and current customers. Online CRM software can help you integrate revenue tracking, sales, and email into an all-in-one system. If you don&#8217;t need that type of integration and are just looking for a simple (and free) way to keep track of leads, then you can try using an Excel template. I designed the CRM Template below based on the request from a few users. It may not be everything you want it to be, but it might give you a head start on customizing your own solution or help you decide whether a spreadsheet-based solution is right for you.</p>
<h2>The CRM Template</h2>
<p>A critical feature of any CRM system is to <strong>track communications</strong> with customers, <strong>plan follow-up</strong> contacts, update the <strong>lead status</strong>, and after gaining a customer, schedule future communication that will help you keep them as a customer. <strong>Tracking sales</strong> is also an important part of CRM.</p>
<p>The CRM template provides a starting point for people looking for an Excel-based CRM solution. It is designed to be easy to customize (limited only by your knowledge of Excel).</p>
<p>In it&#8217;s current form, this template is just a table formatted to allow sorting, filtering, and display of important customer information &#8211; a fancier version of the <u>Contact List Template</u>.</p>
<p>The most complex part of the spreadsheet has to do with the conditional formatting used to highlight the dates in the Last Contact and Next Contact columns. I&#8217;m a fan of conditional formatting, but if you don&#8217;t like it or want to change the colors, see Excel&#8217;s help system (F1) for how to clear or change conditional formats. For more information on using these columns, see below.</p>
<p>I personally do not use CRM software, so future updates and versions of this template will be based on the feedback and requests that I get from users.</p>
<p style="text-align: center;"><div class="fusion-button-wrapper fusion-aligncenter"><style type="text/css">.fusion-button.button-13 {border-radius:2px;}</style><a class="fusion-button button-flat fusion-button-default-size button-default button-13 fusion-button-default-span fusion-button-default-type" target="_self" href="https://www.clickcapital.com.au/Free-CRM-for-Builders"><i class=" fa fa-download button-icon-left"></i><span class="fusion-button-text">DOWNLOAD THE CRM FILE</span></a></div></p>
<h2>How to Use the CRM Template in Excel</h2>
<p><strong>Sorting and Filtering</strong>: This template is designed around Excel&#8217;s built-in Sorting and Filtering features. With a couple clicks on the arrow in the column header, you can do things such as:</p>
<ul>
<li>Order the table based on the <strong>Estimated Sale value</strong></li>
<li>Filter out customers from the list where the Lead Status is &#8220;loss&#8221; or &#8220;cold&#8221;</li>
<li>Sort the table by <strong>Next Contact date</strong> so you can make the most urgent contacts first</li>
</ul>
<p><strong>Demographics</strong> &#8211; For any contact, you&#8217;ll want to record their name, company, job title or position, email, phone #, etc. Information that may be nice to know what not necessary to refer to on a day-to-day basis could be saved in the optional <strong>ContactDetails</strong> worksheet (which is just the <u>contact list</u> added to this workbook).</p>
<p><strong>Estimated Sale</strong> &#8211; For <strong>active</strong> customers, this might be the average monthly or annual sales figure &#8211; something to help you easily see the value of keeping that customer. For <strong>potential</strong> customers, this could be your estimate of the customer&#8217;s potential monthly or annual sales.</p>
<p><strong>Last Contact</strong> &#8211; When you make a contact, you record the date in the Last Contact field. The highlighting will make the cell green if the contact was recent, pink if it has been a long time since that last contact, or yellow for somewhere in between. Use the <strong>Settings</strong> worksheet to customize the number of days that are used for the basis for when the cell should be green/yellow/pink.</p>
<p><strong>Next Contact</strong> &#8211; Planning follow-up communication is important, so use this column to record the date for the next contact and use the Next Action column to enter a code that describes what your follow-up action will be.</p>
<p><strong>Notes</strong> &#8211; There are many ways that you can record notes about communications with your leads. You could add cell comments as shown in the screenshot image above. You can use a Notes column with Wrap Text turned on (though for long notes, that will make the table messy). You can also use the optional <strong>Contact Log</strong> worksheet, to record notes about each individual communication.</p>
<p><strong>Sales Log</strong> &#8211; If you want to create monthly or quarterly or annual sales reports, you&#8217;ll need a way to record individual sales. That could be done using the optional <strong>Sales Log</strong> worksheet. You could then add a Pivot Table to summarize the data, or create your own Excel dashboard to display important summary data.</p>
</div><div class="fusion-button-wrapper fusion-aligncenter"><style type="text/css">.fusion-button.button-14 .fusion-button-text, .fusion-button.button-14 i {color:#ffffff;}.fusion-button.button-14 .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-14:hover .fusion-button-text, .fusion-button.button-14:hover i,.fusion-button.button-14:focus .fusion-button-text, .fusion-button.button-14:focus i,.fusion-button.button-14:active .fusion-button-text, .fusion-button.button-14:active{color:#ffffff;}.fusion-button.button-14:hover .fusion-button-icon-divider, .fusion-button.button-14:hover .fusion-button-icon-divider, .fusion-button.button-14:active .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-14:hover, .fusion-button.button-14:focus, .fusion-button.button-14:active{border-color:#ffffff;}.fusion-button.button-14 {border-color:#ffffff;border-radius:2px;}.fusion-button.button-14{background: #e91e63;}.fusion-button.button-14:hover,.button-14:focus,.fusion-button.button-14:active{background: #5947e0;}</style><a class="fusion-button button-flat fusion-button-default-size button-custom button-14 fusion-button-default-span fusion-button-default-type" target="_self" href="www.clickcapital.com.au/products"><span class="fusion-button-text">GET A FREE CONSTRUCTION LOAN QUOTE</span></a></div><div class="fusion-clearfix"></div>

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						<div class="fusion-text"><h2 style="text-align: center; color: #fff; font-size: 70px; line-height: 1;">Business Finance Professionals</h2>
</div><div class="imageframe-align-center"><span class="fusion-imageframe imageframe-none imageframe-9 hover-type-none"><img src="https://www.clickcapital.com.au/wp-content/uploads/2016/10/line_separator-1.png?x47666" width="161" height="26" alt="" title="line_separator" class="img-responsive wp-image-50"/></span></div><div class="fusion-sep-clear"></div><div class="fusion-separator fusion-full-width-sep sep-none" style="margin-left: auto;margin-right: auto;margin-top:18px;"></div><div class="fusion-text"><p style="text-align: center; color: #fff;">Business owners trust us to look after the needs of their business. We are specialists committed to delivering the very highest service in Business Finance and Insurance.</p>
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		<title>5 Social Media Marketing Tips For Tradesman</title>
		<link>https://www.clickcapital.com.au/5-social-media-marketing-tips-for-tradesman/</link>
				<comments>https://www.clickcapital.com.au/5-social-media-marketing-tips-for-tradesman/#respond</comments>
				<pubDate>Sun, 30 Apr 2017 07:18:10 +0000</pubDate>
		<dc:creator><![CDATA[Clickcapital Admin]]></dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Business Advice]]></category>
		<category><![CDATA[Business Finance]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Marketing]]></category>

		<guid isPermaLink="false">https://www.clickcapital.com.au/?p=1616</guid>
				<description><![CDATA[5 Social Media Marketing Tips for Tradesman         Top 5 Best Posting Practices For Tradespeople Using Social Media  It's important to take note that the key to success on social media is not just about having accounts…its about utilising them correctly! In order to have a]]></description>
			
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						<div class="fusion-text"><h2 style="font-size: 20px; color: #ffffff;">5 Social Media Marketing Tips for Tradesman</h2>
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                                    <div class='gform_page_fields'><ul id='gform_fields_1' class='gform_fields top_label form_sublabel_above description_above'><li id='field_1_4'  class='gfield gf_left_half gfield_contains_required field_sublabel_above field_description_above gfield_visibility_visible' ><label class='gfield_label' for='input_1_4' >How Much Do You Want to Borrow?<span class='gfield_required'>*</span></label><div class='ginput_container ginput_container_number'><input name='input_4' id='input_1_4' type='text'    value='' class='medium'     aria-required="true" aria-invalid="false" /></div></li><li id='field_1_3'  class='gfield gf_right_half gfield_contains_required field_sublabel_above field_description_above gfield_visibility_visible' ><label class='gfield_label' for='input_1_3' >Loan Type<span class='gfield_required'>*</span></label><div class='ginput_container ginput_container_select'><select name='input_3' id='input_1_3' class='medium gfield_select'   aria-required="true" aria-invalid="false"><option value='' selected='selected' class='gf_placeholder'>Choose Your Products</option><option value='Unsecured Business Loans' >Unsecured Business Loans</option><option value='Business Line of Credit' >Business Line of Credit</option><option value='Car Finance' >Car Finance</option><option value='Truck Finance' >Truck Finance</option><option value='Commercial Property' >Commercial Property</option><option value='Equipment Finance' >Equipment Finance</option><option value='Business Insurance' >Business Insurance</option></select></div></li><li id='field_1_6'  class='gfield gf_left_half field_sublabel_above field_description_above gfield_visibility_visible' ><label class='gfield_label' for='input_1_6' >ABN</label><div class='ginput_container ginput_container_number'><input name='input_6' id='input_1_6' type='text'    value='' class='medium'      aria-invalid="false" /></div></li><li id='field_1_12'  class='gfield gf_right_half gfield_contains_required field_sublabel_above field_description_above gfield_visibility_visible' ><label class='gfield_label' for='input_1_12' >Business Trading Name<span class='gfield_required'>*</span></label><div class='ginput_container ginput_container_text'><input name='input_12' id='input_1_12' type='text' value='' class='medium'     aria-required="true" aria-invalid="false" /></div></li></ul>
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						<div class="fusion-text"><h1 style="font-size: 30px;">Top 5 Best Posting Practices For Tradespeople Using Social Media</h1>
</div><div class="fusion-text"><p>It&#8217;s important to take note that the key to success on social media is not just about having accounts…its about utilising them correctly! In order to have a system in place thats attracts new customers, via social media sites such as Facebook, there are a few key components that every tradesman should take on board.</p>
<ol>
<li><strong>Engaging, Valuable Content</strong></li>
</ol>
<p>The first step is to produce good quality content. You must use social media for the right reason! These reasons could be to connect with customers and create strong relationships with them or provide them with useful information to fulfil their needs. Some pages that are on social media are often displaying content which isn’t relevant to their target market. If it looks like you only care about trying to make money, people are going to be not interested.</p>
<div id="attachment_1373" style="width: 583px" class="wp-caption aligncenter"><img aria-describedby="caption-attachment-1373" class=" wp-image-1373" src="https://www.clickcapital.com.au/wp-content/uploads/2017/04/earthmpvin-equipment-finance-clickcapital.jpg?x47666" alt="" width="573" height="285" srcset="https://www.clickcapital.com.au/wp-content/uploads/2017/04/earthmpvin-equipment-finance-clickcapital-200x99.jpg 200w, https://www.clickcapital.com.au/wp-content/uploads/2017/04/earthmpvin-equipment-finance-clickcapital-300x149.jpg 300w, https://www.clickcapital.com.au/wp-content/uploads/2017/04/earthmpvin-equipment-finance-clickcapital-400x199.jpg 400w, https://www.clickcapital.com.au/wp-content/uploads/2017/04/earthmpvin-equipment-finance-clickcapital-600x298.jpg 600w, https://www.clickcapital.com.au/wp-content/uploads/2017/04/earthmpvin-equipment-finance-clickcapital-768x382.jpg 768w, https://www.clickcapital.com.au/wp-content/uploads/2017/04/earthmpvin-equipment-finance-clickcapital-800x398.jpg 800w, https://www.clickcapital.com.au/wp-content/uploads/2017/04/earthmpvin-equipment-finance-clickcapital-1024x509.jpg 1024w, https://www.clickcapital.com.au/wp-content/uploads/2017/04/earthmpvin-equipment-finance-clickcapital-1200x596.jpg 1200w, https://www.clickcapital.com.au/wp-content/uploads/2017/04/earthmpvin-equipment-finance-clickcapital.jpg 1980w" sizes="(max-width: 573px) 100vw, 573px" /><p id="caption-attachment-1373" class="wp-caption-text">clickcapital equipment finance</p></div>
<ol>
<li><strong>Image Heavy Content</strong></li>
</ol>
<p>One tip for tradesmen posting on social media should be to post many photos which are relevant to their business and their target market. The reason for this, is the fact it engages customers and gives exposure to them for the message or service you are wanting to carry out. As a tradesman, you might consider posting pictures or short videos of your completed projects.</p>
<p>My experience of this has been for my landscaping business. I have got into the routine of uploading photos of each job that has been completed each week.</p>
<p>For example here’s a picture of a driveway we had done at one time.</p>
<p>&nbsp;</p>
<p>When a customer visits a social media page and sees that it hasn’t been used in months, they probably aren’t going to consider that company for any work. As a tradesman, it is essential that you regularly post to your social media accounts. Posting on a weekly basis is a great starting point. It will both engage your clients and help you rank higher in the search engine results.</p>
<p>&nbsp;</p>
<ol>
<li><strong>Interact With Customers</strong></li>
</ol>
<p>Social media was originally designed with personal interaction in mind, not simply advertising. Tradesmen should use their social media pages to interact with people in your community rather than simply sell to them.</p>
<p>A good way of putting this into practice is making sure your response times are quick whenever somebody posts a comment on your page. Interacting with viewers not only enhances the reputation in their eyes but to all the people that visit your page.</p>
<p style="text-align: center;"><div class="fusion-button-wrapper"><style type="text/css">.fusion-button.button-16 .fusion-button-text, .fusion-button.button-16 i {color:#ffffff;}.fusion-button.button-16 .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-16:hover .fusion-button-text, .fusion-button.button-16:hover i,.fusion-button.button-16:focus .fusion-button-text, .fusion-button.button-16:focus i,.fusion-button.button-16:active .fusion-button-text, .fusion-button.button-16:active{color:#ffffff;}.fusion-button.button-16:hover .fusion-button-icon-divider, .fusion-button.button-16:hover .fusion-button-icon-divider, .fusion-button.button-16:active .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-16:hover, .fusion-button.button-16:focus, .fusion-button.button-16:active{border-color:#ffffff;}.fusion-button.button-16 {border-color:#ffffff;border-radius:4px;}.fusion-button.button-16.button-3d{-webkit-box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #607d8b,1px 7px 7px 3px rgba(0,0,0,0.3);-moz-box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #607d8b,1px 7px 7px 3px rgba(0,0,0,0.3);box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #607d8b,1px 7px 7px 3px rgba(0,0,0,0.3);}.button-16.button-3d:active{-webkit-box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #607d8b,1px 7px 7px 3px rgba(0,0,0,0.3);-moz-box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #607d8b,1px 7px 7px 3px rgba(0,0,0,0.3);box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #607d8b,1px 7px 7px 3px rgba(0,0,0,0.3);}.fusion-button.button-16{background: #ff9800;}.fusion-button.button-16:hover,.button-16:focus,.fusion-button.button-16:active{background: #03a9f4;}</style><a class="fusion-button button-3d fusion-button-default-size button-custom button-16 fusion-button-default-span " target="_self" href="https://www.clickcapital.com.au/unsecured-business-loans"><span class="fusion-button-text">Free Unsecured Tradie Finance Quote</span></a></div></p>
<ol>
<li><strong>Interact With Other Tradesmen</strong></li>
</ol>
<p>One of the most underrated ways of using social media is influencer marketing. This type of marketing involves linking up with another person or business that is influential and popular in your industry. You can establish a relationship with this person through guest posting. Create content for their popular blog or social page…Think of any friends you’ve got now who are involved in a similar trade</p>
<p>For example if you’re a plasterer and one of your mates is an established decorator within your area, and has a Facebook page, why not put a message on his wall? It doesn’t pose as a threat to their business and it might present your business to new customers.</p>
<p>&nbsp;</p>
<ol>
<li><strong>Stay Professional</strong></li>
</ol>
<p>Another important element, for any business and not just tradesmen involved in using social media is to remain professional at all times. Your social media account represents your business, so treat it with respect and use it to your benefit.</p>
<p>Don’t post any content that isn’t professional. Don’t post negative responses to comments (even if the comments themselves are negative). Finally, proofread every post – no matter how short. Spelling and grammar errors might seem like minor mistakes, but they will make a huge difference to the people searching for services. There is a balance of trying to appear ‘human’ and informal. Trust your instinct when its time to act serious.</p>
<p>&nbsp;</p>
<ol>
<li><strong>Bonus TIP: Keep it simple</strong></li>
</ol>
<p>Too many options may as well be no options. If your audience isn’t on a certain network, why would you promote that sharing option on your content? Reflect on your audience and match up your offerings with their behaviours.</p>
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		<title>Dealing With Customer Complaints</title>
		<link>https://www.clickcapital.com.au/dealing-with-customer-complaints/</link>
				<comments>https://www.clickcapital.com.au/dealing-with-customer-complaints/#respond</comments>
				<pubDate>Wed, 09 Nov 2016 06:50:38 +0000</pubDate>
		<dc:creator><![CDATA[Clickcapital Admin]]></dc:creator>
				<category><![CDATA[Business Growth]]></category>
		<category><![CDATA[Finance]]></category>

		<guid isPermaLink="false">https://www.clickcapital.com.au/?p=202</guid>
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								<content:encoded><![CDATA[<p><div class="fusion-fullwidth fullwidth-box fusion-builder-row-21 hundred-percent-fullwidth non-hundred-percent-height-scrolling"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-bottom:0px;margin-top: 0px;'><div class="fusion-builder-row fusion-row "><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-57 fusion-one-full fusion-column-first fusion-column-last 1_1"  style='margin-top:-60px;margin-bottom:40px;'>
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				</div></div></div><div class="fusion-fullwidth fullwidth-box fusion-builder-row-22 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:15px;padding-right:0px;padding-bottom:25px;padding-left:0px;margin-bottom: 2%;margin-top: 4%;'><div class="fusion-builder-row fusion-row "><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_2_3 fusion-builder-column-58 fusion-two-third fusion-column-first 2_3"  style='margin-top:0px;margin-bottom:40px;width:66.66%;width:calc(66.66% - ( ( 5% ) * 0.6666 ) );margin-right: 5%;'>
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						<div class="imageframe-align-center"><div class="imageframe-liftup"><span class="fusion-imageframe imageframe-none imageframe-11"><a href="https://www.clickcapital.com.au/wp-content/uploads/2016/11/Clickcapital-Busines-Loans-dealing-with-customer-complaints-hero.jpg?x47666" class="fusion-lightbox" data-rel="iLightbox[657e51aaf47d5d7acc4]" data-title="Clickcapital Busines Loans dealing with customer complaints hero" title="Clickcapital Busines Loans dealing with customer complaints hero"><img src="https://www.clickcapital.com.au/wp-content/uploads/2016/11/Clickcapital-Busines-Loans-dealing-with-customer-complaints-hero.jpg?x47666" width="1000" height="667" alt="" class="img-responsive wp-image-1504" srcset="https://www.clickcapital.com.au/wp-content/uploads/2016/11/Clickcapital-Busines-Loans-dealing-with-customer-complaints-hero-200x133.jpg 200w, https://www.clickcapital.com.au/wp-content/uploads/2016/11/Clickcapital-Busines-Loans-dealing-with-customer-complaints-hero-400x267.jpg 400w, https://www.clickcapital.com.au/wp-content/uploads/2016/11/Clickcapital-Busines-Loans-dealing-with-customer-complaints-hero-600x400.jpg 600w, https://www.clickcapital.com.au/wp-content/uploads/2016/11/Clickcapital-Busines-Loans-dealing-with-customer-complaints-hero-800x534.jpg 800w, https://www.clickcapital.com.au/wp-content/uploads/2016/11/Clickcapital-Busines-Loans-dealing-with-customer-complaints-hero.jpg 1000w" sizes="(max-width: 960px) 100vw, 800px" /></a></span></div></div><div class="fusion-text"><h1><strong>How to deal with difficult customers</strong></h1>
</div><div class="fusion-text"><p>Dealing with difficult customers may not be the most enjoyable part of being a small business owner, but it’s a necessary one. Knowing how to handle complaints appropriately takes practice and professionalism. Here are some tips on how to deal with difficult customers.</p>
<p><strong> </strong></p>
<p><strong>Stay calm and in control</strong></p>
<p>While it can be hard to stay calm when someone is criticising you or your business, it’s important you that do. Try not to take it personally. Getting frustrated may provoke an argument and is not likely to produce a positive outcome for you or the customer.</p>
<p>Speak to the customer in a quiet and polite manner, stay professional and in control. This will help you manage the situation. Counter their aggression with calm.</p>
<p><strong> </strong></p>
<p><strong>Listen</strong></p>
<p>Give the customer your attention and listen – really listen – to what they have to say.</p>
<p>Don’t interrupt or talk over them. Find out what they are unhappy about and what outcome they are seeking. Quite often anger can stem from feeling like you are not being heard, so give the customer the opportunity to vent their frustrations.</p>
<p>That said, make it clear to the customer that bad language, personal attacks and threats of violence will not be tolerated. If, for example, the customer is swearing, firmly and politely ask them to stop. If they keep doing it, warn them that you will finish the conversation if they continue.</p>
<p><strong> </strong></p>
<p><strong>Negotiate</strong></p>
<p>Try to empathise and consider the situation of the customer. Tell the customer clearly and respectfully what you can and can’t offer them in the way of solutions. Where possible, give them options. For example, if a customer is unhappy with a meal they have been served in your restaurant you may choose:</p>
<ul>
<li>To offer them a replacement meal</li>
<li>To offer an alternate meal choice</li>
<li>To provide some kind of added extra, like a complimentary glass of wine</li>
<li>To not charge them for the meal</li>
<li>Some combination of the above.</li>
</ul>
<p>Ensure you and your team are aware of the rights of the consumer, and your obligations as a business owner under <a href="https://www.accc.gov.au/consumers/consumer-rights-guarantees">Australian Consumer Law</a>. It may help leave a copy of the guidelines in the staffroom so your team can refer to when dealing with customer complaints.</p>
<p>We’ve been told ‘the customer is always right,’ but this isn’t always the case. As a business owner, try to assess the circumstances of each customer’s complaint on a case-by-case basis. Negotiate with them in the hope of reaching a fair outcome that everyone is satisfied with. Don’t leave emails, phone calls, or messages on social media unaddressed. Aim to resolve the issue as soon as possible. Delays may further aggravate the situation.</p>
<p><strong> </strong></p>
<p><strong>Poor online reviews and complaints</strong></p>
<p>Respond quickly and politely. Don’t repeat back the negative element of the review, instead repeat back any positive elements. Apologise that your customer had a bad experience and thank them for letting you know. Reach out to them to provide an email address or go to a messaging platform so you can take your discussion onto a private platform.  Then send them an email asking for the best number to call them on and a time to call, or for more details about their issue so you can address it. Try to resolve their issue in such a way they end up being a raving fan and are willing to change their online review of their own accord.  When it comes to online complaints, ensure your staff are aware of an escalation process and don’t respond unless you’re confident they know how to handle a complaint effectively.</p>
<p><strong> </strong></p>
<p><strong>Have systems in place</strong></p>
<p>Dealing with difficult customers is something all businesses face. Having systems in place to deal with them will help you to achieve better outcomes. This should include guidelines on what steps staff should follow. Staff should be aware of what actions are approved, what resolutions are available, and who to escalate a complaint to if appropriate. The manager on a shift may be the person who deals with all complaints. When the manager isn’t there, the assistant manager may step in to oversee a difficult customer, instead of the casual staff.</p>
<p>Your systems should also be supported with training, for example, try role playing so your team can practice handling difficult customers. Staff that are educated, informed and supported by management will be more confident in dealing with difficult customers than those who aren’t.</p>
<p><strong>Consider what can be learned from the situation</strong></p>
<p><strong> </strong></p>
<p>While dealing with difficult customers can be stressful, it can also be an opportunity to learn. Consider what the customer’s issue was, and how it was handled and resolved. Was there anything that was done well? Could you do anything better? These learnings can be discussed as a team, brainstorming ways to better manage the experience for all customers in the future.</p>
<p>Want to grow your business or manage your cash flow? Talk to Australia’s leading online lender to small business, ClickCapital, about a <a href="https://www.clickcapital.com.au/unsecured-business-loans">business loan</a>.</p>
<p>&#8211;</p>
</div><ul class="fusion-checklist fusion-checklist-1" style="font-size:16px;line-height:27.2px;"><li class="fusion-li-item"><span style="height:27.2px;width:27.2px;margin-right:11.2px;" class="icon-wrapper circle-no"><i class="fusion-li-icon fa fa-check" style="color:#3ec492;"></i></span><div class="fusion-li-item-content" style="margin-left:38.4px;">
<p>Keep Calm, There is always a solution</p>
</div></li><li class="fusion-li-item"><span style="height:27.2px;width:27.2px;margin-right:11.2px;" class="icon-wrapper circle-no"><i class="fusion-li-icon fa fa-check" style="color:#3ec492;"></i></span><div class="fusion-li-item-content" style="margin-left:38.4px;">
<p>Try to make them see a positive in the situation</p>
</div></li><li class="fusion-li-item"><span style="height:27.2px;width:27.2px;margin-right:11.2px;" class="icon-wrapper circle-no"><i class="fusion-li-icon fa fa-check" style="color:#3ec492;"></i></span><div class="fusion-li-item-content" style="margin-left:38.4px;">
<p>Learn from your mistakes</p>
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		<title>How to create a small business budget</title>
		<link>https://www.clickcapital.com.au/how-to-create-a-small-business-budget/</link>
				<comments>https://www.clickcapital.com.au/how-to-create-a-small-business-budget/#respond</comments>
				<pubDate>Wed, 09 Nov 2016 06:48:48 +0000</pubDate>
		<dc:creator><![CDATA[Clickcapital Admin]]></dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Business Growth]]></category>

		<guid isPermaLink="false">https://www.clickcapital.com.au/?p=199</guid>
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						<div class="imageframe-align-center"><div class="imageframe-liftup"><span class="fusion-imageframe imageframe-none imageframe-13"><a href="https://www.clickcapital.com.au/wp-content/uploads/2016/11/clickcapital-budgeting.jpg?x47666" class="fusion-lightbox" data-rel="iLightbox[f563b6fa6915552f34a]" data-title="clickcapital budgeting" title="clickcapital budgeting"><img src="https://www.clickcapital.com.au/wp-content/uploads/2016/11/clickcapital-budgeting.jpg?x47666" width="1000" height="664" alt="clickcapital business loans budgeting" class="img-responsive wp-image-1508" srcset="https://www.clickcapital.com.au/wp-content/uploads/2016/11/clickcapital-budgeting-200x133.jpg 200w, https://www.clickcapital.com.au/wp-content/uploads/2016/11/clickcapital-budgeting-400x266.jpg 400w, https://www.clickcapital.com.au/wp-content/uploads/2016/11/clickcapital-budgeting-600x398.jpg 600w, https://www.clickcapital.com.au/wp-content/uploads/2016/11/clickcapital-budgeting-800x531.jpg 800w, https://www.clickcapital.com.au/wp-content/uploads/2016/11/clickcapital-budgeting.jpg 1000w" sizes="(max-width: 960px) 100vw, 800px" /></a></span></div></div><div class="fusion-text"><h2>How to Create a Budget</h2>
</div><div class="fusion-text"><p><strong>How to create a small business budget</strong></p>
<p>Budgeting might seem like a bore, especially for time-poor tradies and small business owners, it is crucial in ensuring long-term success. Here are five key steps to getting started with a simple budget for your business.</p>
<ol>
<li><strong> Getting started.</strong></li>
</ol>
<p>Managing your money smartly is the key to growing a successful business.</p>
<p>The simplest place to start is by going back over your monthly sales and expenses.</p>
<p>Looking through your monthly sales and expenses will help work out which are your strongest and weakest months and when you have the highest costs. Break down the following:</p>
<ul>
<li>Your labour costs (Employed staff and outsourced labour)</li>
<li>Office expenses (This might include equipment like computers)</li>
<li>Other recurring costs (Utilities, rent etc.)</li>
</ul>
<p>The next step is to subtract these expenses from your revenue. Consider how this figure compares to your financial goals &#8211; are you on track or will you need to think about cutting back expenses?</p>
<p>If you’re just starting up, you’ll be forced to make estimates, but speak to your <u>financial adviser</u> and do some research on comparable businesses to determine typical costs and revenues. Don’t just guess!</p>
<ol start="2">
<li><strong> Know your income sources.</strong></li>
</ol>
<p>It’s important to know where your money is coming from. Organise this by breaking down your income into two main streams, recurring income and one-offs (like a government grant). If you’ve taken out a <a href="https://www.clickcapital.com.au/unsecured-business-loans">business loan</a>, be sure to also add the repayments to your expenses list in step 3.</p>
<p>The following is a simple example:</p>
<table width="500">
<thead>
<tr>
<td><strong>Income</strong></td>
<td><strong>Monthly Total</strong></td>
<td><strong>Annual Total</strong></td>
</tr>
</thead>
<tbody>
<tr>
<td><strong><em>Recurring for 2017</em></strong></td>
<td></td>
<td></td>
</tr>
<tr>
<td><strong>General Consulting</strong></td>
<td>$18,000</td>
<td>$216,000</td>
</tr>
<tr>
<td><strong>Research Work</strong></td>
<td>$5,200</td>
<td>$62,400</td>
</tr>
<tr>
<td><strong><em>One-off payments for 2017</em></strong></td>
<td></td>
<td></td>
</tr>
<tr>
<td><strong>Government Grant</strong></td>
<td></td>
<td>$5,000</td>
</tr>
<tr>
<td><strong>Total Income</strong></td>
<td><strong>$23,200</strong></td>
<td><strong>$283,400</strong></td>
</tr>
</tbody>
</table>
<p>This step focuses on separating fixed costs, such as insurance and rent, from variable costs like office supplies, employee costs and marketing expenditure.3. Determine variable and fixed costs.</p>
<p>Write down all of these expenses and create a monthly and annual cost table, as shown below:</p>
<table width="500">
<thead>
<tr>
<td><strong>Expenses</strong></td>
<td><strong>Monthly</strong></td>
<td><strong>Annual</strong></td>
</tr>
</thead>
<tbody>
<tr>
<td><strong><em>Fixed</em></strong></td>
<td></td>
<td></td>
</tr>
<tr>
<td><strong>Rent</strong></td>
<td>$2,000</td>
<td>$24,000</td>
</tr>
<tr>
<td><strong>Insurance</strong></td>
<td>$200</td>
<td>$2,400</td>
</tr>
<tr>
<td><strong>Total</strong></td>
<td>$2,200</td>
<td>$26,400</td>
</tr>
<tr>
<td><strong><em>Variable</em></strong></td>
<td></td>
<td></td>
</tr>
<tr>
<td><strong>Labour costs</strong></td>
<td>$14,583</td>
<td>$175,000</td>
</tr>
<tr>
<td><strong>Office supplies</strong></td>
<td>$500</td>
<td>$6,000</td>
</tr>
<tr>
<td><strong><em>Total</em></strong></td>
<td><em>$15,083</em></td>
<td><em>$181,000</em></td>
</tr>
<tr>
<td><strong>Expenses total for 2017</strong></td>
<td></td>
<td><strong>$207,400</strong></td>
</tr>
</tbody>
</table>
<ol start="4">
<li><strong> Review and determine profit.</strong></li>
</ol>
<p>The fourth step is to determine how much profit you expect to make during the financial year.</p>
<p>For small business owners who are managing their own expenses, simply deduct the total annual cost of expenses from your annual income total.</p>
<p>In the example given, total income of $283,400 exceeds total expenses of $207,400, leaving a healthy annual profit of $76,000.</p>
<p>The whole premise of budgeting is to help ensure that your income consistently outperforms your expenses. Having a budget will help you improve this by identifying the biggest costs and revenues. It is generally recommended to build in a safety margin of between 10 and 20 per cent around revenues, to account for unpredictable events.</p>
<ol start="5">
<li><strong> Update.</strong></li>
</ol>
<p>The final step is to update the budget on a monthly basis as things change – and as any small business owner knows, that is very likely.</p>
<p>Creating a budget for your small business is essential to determine where your money is going, and to achieve your financial goals. And if you need extra funds for expansion, talk to Clickcapital about a <a href="https://www.clickcapital.com.au/unsecured-business-loans">business loan</a> just right for your needs.</p>
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<p>Be conservative that way any extra is a bonus</p>
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<p>adjust the budget as you go</p>
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</div><div class="imageframe-align-center"><span class="fusion-imageframe imageframe-none imageframe-14 hover-type-none"><img src="https://www.clickcapital.com.au/wp-content/uploads/2016/10/line_separator-1.png?x47666" width="161" height="26" alt="" title="line_separator" class="img-responsive wp-image-50"/></span></div><div class="fusion-sep-clear"></div><div class="fusion-separator fusion-full-width-sep sep-none" style="margin-left: auto;margin-right: auto;margin-top:18px;"></div><div class="fusion-text"><p style="text-align: center; color: #fff;">Business owners trust us to look after the needs of their business. We are specialists committed to delivering the very highest service in Business Finance and Insurance.</p>
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		<title>5 ways to market your small business</title>
		<link>https://www.clickcapital.com.au/5-ways-to-market-your-small-business/</link>
				<comments>https://www.clickcapital.com.au/5-ways-to-market-your-small-business/#respond</comments>
				<pubDate>Tue, 08 Nov 2016 22:46:49 +0000</pubDate>
		<dc:creator><![CDATA[Clickcapital Admin]]></dc:creator>
				<category><![CDATA[Business Growth]]></category>
		<category><![CDATA[Marketing]]></category>

		<guid isPermaLink="false">https://www.clickcapital.com.au/?p=196</guid>
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								<content:encoded><![CDATA[<p><div class="fusion-fullwidth fullwidth-box fusion-builder-row-27 hundred-percent-fullwidth non-hundred-percent-height-scrolling"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-bottom:0px;margin-top: 0px;'><div class="fusion-builder-row fusion-row "><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-67 fusion-one-full fusion-column-first fusion-column-last 1_1"  style='margin-top:-60px;margin-bottom:40px;'>
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						<div class="imageframe-align-center"><div class="imageframe-liftup"><span class="fusion-imageframe imageframe-none imageframe-15"><a href="https://www.clickcapital.com.au/wp-content/uploads/2016/11/Clickcapital-small-business-marketing.jpg?x47666" class="fusion-lightbox" data-rel="iLightbox[492f9a6ed82f011fe8c]" data-title="Clickcapital small business marketing" title="Clickcapital small business marketing"><img src="https://www.clickcapital.com.au/wp-content/uploads/2016/11/Clickcapital-small-business-marketing.jpg?x47666" width="1000" height="526" alt="Clickcapital Small Business Marketing" class="img-responsive wp-image-1511" srcset="https://www.clickcapital.com.au/wp-content/uploads/2016/11/Clickcapital-small-business-marketing-200x105.jpg 200w, https://www.clickcapital.com.au/wp-content/uploads/2016/11/Clickcapital-small-business-marketing-400x210.jpg 400w, https://www.clickcapital.com.au/wp-content/uploads/2016/11/Clickcapital-small-business-marketing-600x316.jpg 600w, https://www.clickcapital.com.au/wp-content/uploads/2016/11/Clickcapital-small-business-marketing-800x421.jpg 800w, https://www.clickcapital.com.au/wp-content/uploads/2016/11/Clickcapital-small-business-marketing.jpg 1000w" sizes="(max-width: 960px) 100vw, 800px" /></a></span></div></div><div class="fusion-text"><h3>5 ways to market your small business</h3>
</div><div class="fusion-text"><p>Regardless of whether your small business is a new or established one, marketing can play an important role in its success. Marketing can help you grow and retain your customer base, increase awareness and strengthen your brand. Here are five easy ways to market your business.</p>
<ol>
<li><strong> Get on Google My Business</strong></li>
</ol>
<p>When it comes to being found online, Google is the place to be. So make sure that you create a free listing on <a href="https://www.google.com/business/">Google My Business</a>. The listing includes your business name, address, phone number, trading hours, photos and directions. When someone searches for your business, your listing will appear at the top of the search. It will provide people with all the details they need to find, contact or visit you, making your business more discoverable to new customers.</p>
<ol start="2">
<li><strong> Run a competition</strong></li>
</ol>
<p>There’s nothing quite like a good old-fashioned competition to attract new customers (and email addresses for your e-newsletter database). The prize should ideally be products or services from your business to showcase your offering. The competition can be promoted in-store, on your website, in a blog, and on social media, with the winner being featured in subsequent coverage.</p>
<ol start="3">
<li><strong> Use social media</strong></li>
</ol>
<p>Previously, businesses were told they should be on every social media platform. Today, the focus is on mastering the most suitable social media channels to market your business. For a fashion retailer, this may be Instagram or Pinterest so they can take advantage of the visual, inspirational nature of the platforms. On the other end of the spectrum, an accountant may benefit from using LinkedIn to widen their business networks or position themselves as a thought leader by posting regular articles. Facebook works well for businesses that want to create active communities or promote regular special offers.</p>
<p>Regardless of the platform, invest time in asking and answering questions and starting conversations. The key to mastering social media is being <em>social. </em>Sharing both curated and original quality content will help market your product to customers and, more importantly, engage with them.</p>
<ol start="4">
<li><strong> Form partnerships</strong></li>
</ol>
<p>Aligning yourself with other small businesses that you know and respect is a good way to market yourself and grow your network. For example, if you run a fine dining restaurant that regularly hosts occasions like weddings, think of complementary businesses to partner with. You may want to approach a local florist, patisserie, and winery to create a referral network.</p>
<ol start="5">
<li><strong> Advertise</strong></li>
</ol>
<p>Advertising may be the traditional approach to marketing your business, but when done through the right channels it can truly pay off. Consider an ad in a local newspaper, a Google Adwords campaign, targeted display advertising on your preferred social media platform, or listing your business in a local or online directory. It’s important to consider your specific target audience and think about how (and if) the ad will reach them; and always measure results to determine if the ROI is worth the spend.</p>
<p><strong>Need some extra funds to help market your business? A </strong><a href="https://www.clickcapital.com.au/unsecured-business-loans"><strong>small business loan</strong></a><strong> from ClickCapital could help. Call 03 93984862 or <a href="https://www.clickcapital.com.au/unsecured-business-loans">apply online</a>.</strong></p>
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		<title>How do I recover a business debt?</title>
		<link>https://www.clickcapital.com.au/how-do-i-recover-a-business-debt/</link>
				<comments>https://www.clickcapital.com.au/how-do-i-recover-a-business-debt/#respond</comments>
				<pubDate>Wed, 09 Nov 2016 06:45:20 +0000</pubDate>
		<dc:creator><![CDATA[Clickcapital Admin]]></dc:creator>
				<category><![CDATA[Business Finance]]></category>
		<category><![CDATA[Business Growth]]></category>

		<guid isPermaLink="false">https://www.clickcapital.com.au/?p=193</guid>
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								<content:encoded><![CDATA[<p><div class="fusion-fullwidth fullwidth-box fusion-builder-row-30 hundred-percent-fullwidth non-hundred-percent-height-scrolling"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-bottom:0px;margin-top: 0px;'><div class="fusion-builder-row fusion-row "><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-72 fusion-one-full fusion-column-first fusion-column-last 1_1"  style='margin-top:-60px;margin-bottom:40px;'>
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						<div class="imageframe-align-center"><div class="imageframe-liftup"><span class="fusion-imageframe imageframe-none imageframe-17"><a href="https://www.clickcapital.com.au/wp-content/uploads/2016/11/clickcapital-how-to-recover-bsuiness-debt.jpg?x47666" class="fusion-lightbox" data-rel="iLightbox[c75a387d4b8ac5c214f]" data-title="clickcapital how to recover bsuiness debt" title="clickcapital how to recover bsuiness debt"><img src="https://www.clickcapital.com.au/wp-content/uploads/2016/11/clickcapital-how-to-recover-bsuiness-debt.jpg?x47666" width="1000" height="667" alt="Clickcapital business loans how to recover business debt" class="img-responsive wp-image-1515" srcset="https://www.clickcapital.com.au/wp-content/uploads/2016/11/clickcapital-how-to-recover-bsuiness-debt-200x133.jpg 200w, https://www.clickcapital.com.au/wp-content/uploads/2016/11/clickcapital-how-to-recover-bsuiness-debt-400x267.jpg 400w, https://www.clickcapital.com.au/wp-content/uploads/2016/11/clickcapital-how-to-recover-bsuiness-debt-600x400.jpg 600w, https://www.clickcapital.com.au/wp-content/uploads/2016/11/clickcapital-how-to-recover-bsuiness-debt-800x534.jpg 800w, https://www.clickcapital.com.au/wp-content/uploads/2016/11/clickcapital-how-to-recover-bsuiness-debt.jpg 1000w" sizes="(max-width: 960px) 100vw, 800px" /></a></span></div></div><div class="fusion-text"><h3>How do I recover a business debt?</h3>
</div><div class="fusion-text"><p>Outstanding debts can stifle a business’ cash flow. However, spending time chasing unpaid invoices can distract business owners from their core functions. Generally, terms and conditions of trade will include a clause addressing payment, unpaid invoices and debt recovery costs. In this article, we will clarify the best way for you recover money owed to your business for goods or services provided to customers.</p>
<p><strong>Speak with the debtor</strong></p>
<p>The most cost-effective strategy is to try and resolve the matter with the other side directly. In this day and age of online communication, people tend to forget that the best way to get an instant response is to pick up the telephone. This way you may find out that there is a reason (whether bona fide or otherwise) that the customer has not paid you. If this doesn’t elicit a helpful response, you may need to send a letter of demand.</p>
<p><strong>Letter of Demand</strong></p>
<p>A letter of demand is a formal way to claim an outstanding debt and is the final letter given to a party before commencing legal action. The letter should:</p>
<ul>
<li>clearly state that it is a letter of demand;</li>
<li>set out the exact amount of money owed and how is it calculated;</li>
<li>state that if the debt isn’t paid by a certain date, you may commence legal action; and</li>
<li>provide a way for the debtor to pay the debt (e.g. business bank account details).</li>
</ul>
<p><strong>Mediation</strong></p>
<p>If parties have a genuine dispute in regards to unpaid invoices, they should consider mediation. The process may involve the parties sitting down to resolve the matter or alternatively, they may wish to hire a 3rd party mediator to assist by recommending an outcome, which the parties can choose to accept. If mediation is unsuccessful or the debtor will not attend, a business owner should consider consulting lawyers.</p>
<p><strong>Legal Action</strong></p>
<p>Before commencing litigation, lawyers will generally recommend that a final letter of demand be sent to the other party by the law firm. If this does not drive the matter towards a successful outcome, the lawyer may recommend litigation as a means of debt recovery.</p>
<p>Litigation is a time consuming and costly way to resolve a dispute that parties should use only as a last resort. To commence proceedings, your lawyer will assist you to prepare and file a statement of claim which asks the court to order the remedy you seek. If the defendant (the debtor) admits to the debt or doesn’t file a notice of defence, then the court can require them to repay costs and the matter will be resolved at that point. If a notice of defence is filed, the following outcomes are possible:</p>
<ol>
<li>the case will settle at court-ordered mediation or through informal settlement discussions between the parties; or</li>
<li>the case will go to a hearing where the court decides on the facts whether a debt is owed.</li>
</ol>
<p><strong>If the debtor is a company</strong></p>
<p>If a debtor is a company and the debt is over $2,000, a creditor can issue a statutory demand. A statutory demand is a formal document a creditor can issue under the Corporations Act 2001 (Cth) to require a debtor company to pay its debt within 21 days. If the debtor company fails to pay the debt (or come up with a suitable arrangement) within that period, the company is presumed insolvent. The creditor can then commence proceedings to wind up the company and prove its debt in the liquidation of the debtor company.</p>
<p>However, a debtor company can apply to have the court set the statutory demand if there is a genuine dispute as to the existence or amount of the debt. If successful, the debtor may be entitled to recover its legal costs of that application.</p>
<p><strong>Debt Recovery Checklist</strong></p>
<p>If you are chasing unpaid invoices, ask yourself the following questions before resorting to litigation:</p>
<ul>
<li>Have you called the debtor to discuss the outstanding invoice?</li>
<li>Have you sent a letter of demand?</li>
<li>If there is a genuine dispute as to the debt, have you met with the debtor to resolve it?</li>
</ul>
<p>If the answer to all of these questions is ‘yes’, then it may be worth contacting a lawyer to assist you in <u>recovering your business debt.</u></p>
<p><em>This article was provided by Noam Greenberger of Legal Vision.</em></p>
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		<title>4 questions to ask yourself before a website redesign</title>
		<link>https://www.clickcapital.com.au/four-questions-to-ask-yourself-before-a-website-redesign/</link>
				<comments>https://www.clickcapital.com.au/four-questions-to-ask-yourself-before-a-website-redesign/#respond</comments>
				<pubDate>Wed, 09 Nov 2016 06:44:02 +0000</pubDate>
		<dc:creator><![CDATA[Clickcapital Admin]]></dc:creator>
				<category><![CDATA[Business Advice]]></category>
		<category><![CDATA[Business Growth]]></category>

		<guid isPermaLink="false">https://www.clickcapital.com.au/?p=191</guid>
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								<content:encoded><![CDATA[<p><div class="fusion-fullwidth fullwidth-box fusion-builder-row-34 hundred-percent-fullwidth non-hundred-percent-height-scrolling"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-bottom:0px;margin-top: 0px;'><div class="fusion-builder-row fusion-row "><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-77 fusion-one-full fusion-column-first fusion-column-last 1_1"  style='margin-top:-60px;margin-bottom:40px;'>
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				</div></div></div><div class="fusion-fullwidth fullwidth-box fusion-builder-row-35 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:15px;padding-right:0px;padding-bottom:25px;padding-left:0px;margin-bottom: 2%;margin-top: 4%;'><div class="fusion-builder-row fusion-row "><div  class="fusion-layout-column fusion_builder_column fusion_builder_column_2_3 fusion-builder-column-78 fusion-two-third fusion-column-first 2_3"  style='margin-top:0px;margin-bottom:40px;width:66.66%;width:calc(66.66% - ( ( 5% ) * 0.6666 ) );margin-right: 5%;'>
					<div class="fusion-column-wrapper" style="padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;"   data-bg-url="">
						<div class="imageframe-align-center"><div class="imageframe-liftup"><span class="fusion-imageframe imageframe-none imageframe-19"><a href="https://www.clickcapital.com.au/wp-content/uploads/2016/11/clickcapital-web-design-tips.jpg?x47666" class="fusion-lightbox" data-rel="iLightbox[b4b821f26cd2c166f57]" data-title="clickcapital web design tips" title="clickcapital web design tips"><img src="https://www.clickcapital.com.au/wp-content/uploads/2016/11/clickcapital-web-design-tips.jpg?x47666" width="1000" height="625" alt="clickcapital busines loans web design tips" class="img-responsive wp-image-1519" srcset="https://www.clickcapital.com.au/wp-content/uploads/2016/11/clickcapital-web-design-tips-200x125.jpg 200w, https://www.clickcapital.com.au/wp-content/uploads/2016/11/clickcapital-web-design-tips-400x250.jpg 400w, https://www.clickcapital.com.au/wp-content/uploads/2016/11/clickcapital-web-design-tips-600x375.jpg 600w, https://www.clickcapital.com.au/wp-content/uploads/2016/11/clickcapital-web-design-tips-800x500.jpg 800w, https://www.clickcapital.com.au/wp-content/uploads/2016/11/clickcapital-web-design-tips.jpg 1000w" sizes="(max-width: 960px) 100vw, 800px" /></a></span></div></div><div class="fusion-text"><h3>4 questions to ask yourself before a website redesign</h3>
</div><div class="fusion-text"><p>According to <a href="https://www.consumerbarometer.com/en/insights/?countryCode=AU">Google’s Consumer Barometer,</a> the internet is a key resource for finding local businesses. 80 per cent of Australians go straight to a search engine to look for a local business, and 55% use a website as their main research tool even if they go on to buy in store. If your business is not online it needs to be! If you are, it’s important that your website offers potential customers the best possible introduction to your business. If the site is hard to use, poorly designed or looks outdated, it’s time for a redesign. Here are four questions to consider in preparing your business website for a redesign.</p>
<p><strong>What is my strategy?</strong></p>
<p>Start with a clear vision of what you want to achieve. Once you have this, then working out how to redesign your website is much easier. For example, do you want to use the website to generate awareness, leads or for sales? Is it mainly a corporate brochure with contact details, or an important source of revenue?  Do you need to simply refresh your online presence so customers can learn more about your products/services or finding how to contact you. Or, for example, if you are a mortgage broker, your primary focus may be to use the site to generate leads and grow your database.</p>
<p>Undertake your own research on what your competitors are doing online, and also look at websites belonging to brands whose business models you admire. Make a note of the types of sites that appeal to you and are in line with what you’d hope to achieve. Note down what you like about each – such as ease of use, content, design, layout and functionality – and consider how you could apply these elements to your own website.</p>
<p>Start your planning by looking at how things are currently working. Look at your Google Analytics (GA) numbers and document some of the key stats.</p>
<ul>
<li>Number of visits/visitors/unique visitors (monthly average)</li>
<li>Bounce rate (monthly average)</li>
<li>Time on site (monthly average)</li>
<li>Top-performing keywords (in terms of rank, traffic, and lead generation)</li>
<li>Total number of new leads/form submissions (per month)</li>
<li>Total amount of sales generated (per month)</li>
</ul>
<p>If you don’t have access to this data, then add GA to your site. You want to understand current benchmarks and later you can compare these to the new site, so you know whether your investment is delivering value.</p>
<p>You also need to look at other stats that are relevant. For example:</p>
<ul>
<li>number of leads generated by the website</li>
<li>newsletter registrations</li>
<li>number of sales generated by the website</li>
<li>$ value of sales generated by the website</li>
<li>contact us inquiries</li>
<li>Links from or to social media.</li>
</ul>
<p>Using this data you enable you to set new goals for the revamped website, and these goals will help you (or your developer) to prioritise requirements and create the optimal solution.   For example, if your number one goal is to increase the $ value of sales on your website, then functionality that cross-sells additional product to customers who are already in buying mode would take priority. If you wanted to increase your social media following, then featuring calls to action to follow you might take priority.</p>
<p><strong>What are the essential functions and features my new website should have?</strong></p>
<p>Top of the list should be mobile responsiveness. This means that your website responds and adapts to size of the type of device it is being viewed on: desktop, laptop, tablet or mobile.</p>
<p>According to the <u>Deloitte&#8217;s 2015 Mobile Consumer Survey (Australia)</u>, 79 per cent of Australians own a smartphone and on average they check them more than 30 times a day. With 65 per cent of respondents saying they have browsed shopping websites on their smartphone, a responsive site is an essential inclusion in your website redesign.</p>
<p>Other website features may depend on the nature of your business. For example, if you want to operate an online store, it would require e-commerce functionality. Or if you run a restaurant and would like the ability to take online reservations, a booking system and calendar would appeal. For a business that uses content as a key part of its marketing strategy, a site with an inbuilt blog may be a priority.</p>
<p><strong>Does my current website need a quick update or a complete overhaul?</strong></p>
<p>Consider your current website, and analyse exactly what isn’t working. For example, if your current site delivers the functionality you need, but you just don’t like how it looks, you can simply refresh of images, some content, colours and fonts. On the other hand, if your current website isn’t mobile responsive or doesn’t showcase your business as well as it could, it may require a more comprehensive redesign.</p>
<p>Take a hair salon owner who has added manicures, pedicures and waxing to their service offering. They will need to redesign their website architecture to provide information about these new services, along with updating images. Or a travel agent who has only ever promoted tours and relied on phone bookings &#8211;  but now wants to be able to take online bookings and deposits for customized small group tours, and allow customers to upload tour photos and articles.</p>
<p><strong>Do I want to undertake the website design myself or hire someone to do it?</strong></p>
<p>Depending on the complexity of the website you’d like to build, your own tech skills and your budget, you may choose to undertake the website redesign yourself. Some popular <u>website builders </u> to explore include WordPress, Weebly, Squarespace, Wix and Weebly. Please don’t underestimate how much work is involved in building your own website. You will need to get your head around installing a CMS, finding and re-sizing the right images, writing content that helps your customers and also helps your SEO and much more. The more sophisticated your requirements, the better off you may be using a professional web developer to help you.</p>
<p>Seek out referrals from friends and peers and chat to a freelance web developers about their approach. Once you’ve written a good set of specs for what you want, it’s worth posting your project on sites like freelancer.com.au or approaching a few <u>freelance web developers</u> to get estimates and testimonials you can compare. Finding someone you can work with easily, even if it’s always on a remote basis, is very important to getting the results you want.</p>
<p>If you need help funding your website project, talk to ClickCapital about how a <a href="https://www.clickcapital.com.au/unsecured-business-loans">small business loan</a> could help.</p>
</div><ul class="fusion-checklist fusion-checklist-3" style="font-size:16px;line-height:27.2px;"><li class="fusion-li-item"><span style="height:27.2px;width:27.2px;margin-right:11.2px;" class="icon-wrapper circle-no"><i class="fusion-li-icon fa fa-check" style="color:#3ec492;"></i></span><div class="fusion-li-item-content" style="margin-left:38.4px;">
<p>Do what you do best and leave the website build up to the professionals</p>
</div></li><li class="fusion-li-item"><span style="height:27.2px;width:27.2px;margin-right:11.2px;" class="icon-wrapper circle-no"><i class="fusion-li-icon fa fa-check" style="color:#3ec492;"></i></span><div class="fusion-li-item-content" style="margin-left:38.4px;">
<p>Even if you don&#8217;t build your website you need to know the basics. You don&#8217;t want to pay to update every time you need a small change</p>
</div></li><li class="fusion-li-item"><span style="height:27.2px;width:27.2px;margin-right:11.2px;" class="icon-wrapper circle-no"><i class="fusion-li-icon fa fa-check" style="color:#3ec492;"></i></span><div class="fusion-li-item-content" style="margin-left:38.4px;">
<p>Building your own website is a big job and not for the faint hearted.</p>
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						<div class="fusion-text"><h2 style="text-align: center; color: #fff; font-size: 70px; line-height: 1;">Business Finance Professionals</h2>
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