Business Stationery

Have you ever given a thought to business stationary you use in your business? Some of you may wonder what the big deal about business stationary is. The fact is that high-quality business stationary can help you build a positive image about your company irrespective of the type and size of business. Moreover, well-designed and professional business stationary can help your business stand apart from your competition.

Business Stationery – An effective and powerful tool for business communication and more

Business stationery plays a vital role in businesses, schools, colleges, and all types of organizations. It is used for written correspondence and to manage daily business tasks. It includes pens, pencils, business cards, contact cards, letter heads, envelopes, presentation folders, stamps, labels, post-it-notes, binders and much more. It is very essential to have a good stock of stationery items for smooth functioning of business operations.

Business stationary such as company letterheads, envelopes, and business cards, etc eventually impacts the way people look at your organization. Always remember that apart from the obvious functional aspect of the stationary, it also serves as an advertising and branding tool.

You must also lay emphasis on the quality of the business stationery as high quality of stationery can take your business to new heights by promoting the company brand-name. Low quality stationery on the other hand can spoil a company’s image. So, it is essential that you select a high quality, well-designed, visually appealing business stationery for your company.

Customized Business Stationery

Customized business stationery works as a perfect advertising tool for business organizations and helps in overall branding. Customized business stationery creates a professional impact on your employees and customers and reflects the credibility of the company. It is very essential that the design and colors used in business stationary are exclusive to the company for which it is meant. In other words, colors and design of the business stationery should be in sync with corporate colors and company logo of the organization and should have an overall visual appeal. You can also use business stationary as promotional items.

Buy Business Stationery online

There are several online stores providing good-quality business stationary at reasonable price. Explore online business stationary stores to check what they offer and at what price. You can write to the company to send you a free business stationary sample so that you know about the quality they are offering. Business stationary stores online are usually quite affordable and the best part is that you can order easily and quickly. Most give personalizing or customizing option too but customizable stationary is available for a little high price. But remember one should never compromise on the quality of business stationary for a low price. Check out for high quality, affordable, and customizable business stationary.

Business Credit Card Application Needs Good Credit Report

As with a personal credit card, the business credit card is a highly efficient method for obtaining, granting, and expending loans. The applicant for a business credit card needs do little more than fill out a brief application or key in a few bits of information over the Internet. In most cases, the customer is granted a line of credit, which can be accessed and expended quickly and easily each time the business credit card is used. Assuming that the customer has a good credit record, the credit limit will automatically be increased when it is reached, thereby increasing the loan amount without much effort on the part of the business credit card holder.

To qualify for a business credit card, a good credit record is necessary. In view of future credit needs such as business credit cards, small business owners should register their businesses with the major business credit bureaus such as Dun & Bradstreet (D&B) or Business Credit USA to obtain credit ratings. These business credit bureaus operate much like consumer credit bureaus. They will collect information from your existing creditors about your business, including a check on how much credit you have, the length of time your accounts have been active, and your payment record.

To complete your credit profile, the business credit bureau will also need some information on the rest of your business. This normally includes how many employees you have, how long you have been trading for, what you sales and profit performance is, and your business’ litigation history. Regardless of whether you register or not, you will probably show up on their records the moment a lender extends your business a credit line. Being proactive about it and voluntarily registering with a business credit bureau is a good idea. It offers you the opportunity to present your company in a good light and it creates a better impression of your business in general.

When the business credit card issuer receives your business credit card application, one of the very first things they do is obtain a copy of your business credit report. If your business does not score too well on the credit report, it may well scuttle your chances of getting a business credit card. Maintaining a good credit score needs to be high on the priority list of any business.

When it comes to new business, there is normally very little solid credit history to bank on. It could take anywhere from two to five years to build your business’ credit reputation. Until that happens, your business credit and personal credit will be inextricably linked to each other. When you apply for a business credit card and your business has no credit history, your own personal credit record is the dominant factor considered by the business credit card issuer.

Once you obtain this business credit card, it is good to remember that this credit will be included in your personal credit report until your business develops an adequate credit history. So the sooner you can establish the independence of your business credit card from your personal credit, the better.

Effective Small Business Credit Card Management

The use of credit cards in small businesses is gaining popularity. An industry study conducted by a research group reports that more than two-thirds of small businesses are making use of credit cards to cover expenses. However, only two-fifths of these credit card using businesses employ business credit cards.

Since these small business owners are already using credit cards to provide financing for their businesses, they should consider converting to business credit cards instead. With prudent usage and wise management, the small business credit card could be an effective business tool to help small business owners “grow” their businesses.

Among other things, a business credit card allows you to separate business transactions from personal charges, thus avoiding potential problems in managing your funds and preparing your tax reports. A business credit card also conveys the message to third parties who take an interest in your financial transactions, such as the IRS and creditors, that you are managing your business and its financial accounts in a professional manner.

A significant benefit of having a business credit card is the year-end statement summary that business credit card issuers provide to their cardholders. This detailed listing helps you to itemize and classify your business expenses.

The small business credit card is a good way of building your business credit. By being judicious in the management of your business credit card accounts, you will strengthen your credit standing. This will be an important factor when you need additional financing for growth or expansion purposes.

The responsible management and sensible use of your business credit card cannot be overemphasized. Some ways of achieving this include:

·Make use of your local bank. There is much to be said in favor of engaging with your existing bank when you need to apply for a small business credit card – especially if the difference is not overly significant between your banker and the other card issuers’ offerings. Your existing relationship will make the card approval process easier. It will also help with your other financing transactions.

·Avoid missed or late payments. You should be judicious about making your monthly payments on your business credit card in a timely manner. Failure to make payment by due date, leaves you vulnerable to higher interest, costly fees and a blemish on your credit record.

·Capitalize on grace periods. Business credit cards give you a 21-day grace period before you need to pay your purchases. You can maximize this to improve your cash flow.

·Pay your bill online. Most of the business credit card companies accept payments online. Their websites are secure, which means that that your online transactions will not be compromised. This will save time and avoid the extra costs normally incurred when making use of other modes of payment. It also ensures that your payments will not be subject to delays.

·Limit having multiple cards. There is some advantage to having a couple of business credit cards. If you sign up for too many cards though, your credit scores will suffer. It may also make management of your accounts more difficult.

Given the salient benefits of using a business credit card as opposed to using a personal credit card, converting to a business card will be an astute move. Your business credit card is a worthwhile business enabler for as long as this credit line is dealt with responsibly and in a circumspect manner.