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Commercial Finance is also called asset-based lending since approval of funds depends on the company's assets rather than the business itself. Commercial finance loan requires a company to have good credit hence the lender considers the asset's liquidation value for loan payback. For instance, the commercial finance lender would consider the sale value of a company's desktop or vehicle to guarantee the loan's repayment. A certificate of deposit or CD is another way of getting funds. Business owners can borrow money from friends and use personal finance to secure a business loan which is a good way of increasing the credit worthiness on the .. more»

Today we are in the era of globalisation. Multinational organisations worldwide have adopted globalisation as their first strategic choice. Advancement in technology has facilitated globalisation too.   There has been a marked improvement particularly in the area of maintenance, storage, availability and transfer of data. The world has literally shrunk to become a "global village". Banks have transformed themselves and are offering services through internet.  From computerization to networking to ATMs and now E-Banking, banks have moved up the value chain.  Internet banking refers to the use of internet as a remote delivery channel for banking services.   It means any user with a personal computer and a browser can get connected to his bank .. more»

10 Questions to ask before investing online or elsewhere We are faced with so many investment choices today, it Is sometimes difficult to decide which investment will best serve our purpose; as well as which investments are the safest, while giving us the best bang for our buck. While not specifically indicating particular investments, I want to give you the appropriate guidelines in determining which investment is best suited for you. Are you happy with the current 1% - 2% a year that most financial institutions are offering? Or does a higher rate of return appeal to you? There are investment opportunities that do offer a higher rate of return with limited risk. .. more»

E- BANKING – RECENT TRENDS IN INDIA INTRODUCTION Initially, the Indian banking system was domestically oriented at the time of nationalization in 1969. National policy objectives where the guiding force and banks were primarily involved in mobilizing domestic savings, lending funds to specific sectors of the economy and raising resources for financing public deficits. Technology in Indian banking has evolved substantially from the days of back office automation today's online, centralized and integrated solutions. Once cannot think of ATM, Internet, mobile and phone banking or call centre services without the help of technology?. However, the irony is that most of those products have more of technology and less of banking. Let us look .. more»