The downside of applying for both cards is the potential
risk to your business credit score.
Not exact matches
Important factors that could cause actual results
to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited
to, the following: 1) our ability
to continue
to grow our
business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our ability
to perform our obligations under our new and maturing commercial,
business aircraft, and military development programs, and the related recurring production; 3) our ability
to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability
to achieve certain cost reductions with respect
to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability
to accommodate, and the cost of accommodating, announced increases in the build rates of certain aircraft; 6) the effect on aircraft demand and build rates of changing customer preferences for
business aircraft, including the effect of global economic conditions on the
business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution of key milestones such as the receipt of necessary regulatory approvals, including our ability
to obtain in a timely fashion any required regulatory or other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence
to their announced schedules; 10) our ability
to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability
to enter into profitable supply arrangements with additional customers; 12) the ability of all parties
to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the
risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability
to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension plan assets and the impact of future discount rate changes on pension obligations; 17) our ability
to borrow additional funds or refinance debt, including our ability
to obtain the debt
to finance the purchase price for our announced acquisition of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect of changes in tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes
to the interpretations of or guidance related thereto, and the Company's ability
to accurately calculate and estimate the effect of such changes; 21) any reduction in our
credit ratings; 22) our dependence on our suppliers, as well as the cost and availability of raw materials and purchased components; 23) our ability
to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our
credit facility may not be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving
credit facility
to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure
to potential product liability and warranty claims; 31) our ability
to effectively assess, manage and integrate acquisitions that we pursue, including our ability
to successfully integrate the Asco
business and generate synergies and other cost savings; 32) our ability
to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes
to business relationships and other
business disruptions for ourselves and Asco as a result of the acquisition; 33) our ability
to continue selling certain receivables through our supplier financing program; 34) the
risks of doing
business internationally, including fluctuations in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability
to complete the proposed accelerated stock repurchase plan, among other things.
This will help you estimate the volume of
credit and the potential
risk to your
business.
On top of the
risk of federal prosecution, IRS targeting and asset seizure, cannabis entrepreneurs have
to cope with the hazards of conducting a
business that deals mostly in cash, since a majority of traditional financial institutions — banks,
credit card issuers, and payment transaction companies — won't provide services
to the industry.
In addition
to increased efficiency, he says, «
credit cards allow small
businesses to extend immediate, unsecured
credit to their customers
to increase sales without bearing any of the
credit risk.»
By using
business credit, it is possible
to mitigate personal financial
risk.
Such
risks, uncertainties and other factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel, financial condition of commercial airlines, the impact of weather conditions and natural disasters and the financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired
businesses into United Technologies» existing
businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected
to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of
credit and factors that may affect such availability, including
credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due
to various factors, including market conditions and the level of other investing activities and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new
business and investment opportunities; (10) our ability
to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred
to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins
to receive the required regulatory approvals (and the
risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and
to satisfy the other conditions
to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise
to a right of one or both of United Technologies or Rockwell Collins
to terminate the merger agreement, including in circumstances that might require Rockwell Collins
to pay a termination fee of $ 695 million
to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20)
risks related
to Rockwell Collins and United Technologies being restricted in their operation of their
businesses while the merger agreement is in effect; (21)
risks relating
to the value of the United Technologies» shares
to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22)
risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23)
risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company,
to retain and hire key personnel.
Typically, these
businesses describe their loans as faster and more readily available
to customers than bank loans, because they leverage technology
to evaluate
risk on a number of factors, as opposed
to relying solely on
credit scores.
Business owners are popular targets for identity thieves, he says, because they typically have access to substantial lines of credit, they're engaged in a lot of transactions that could put their information at risk, and their personal and business finances are often inte
Business owners are popular targets for identity thieves, he says, because they typically have access
to substantial lines of
credit, they're engaged in a lot of transactions that could put their information at
risk, and their personal and
business finances are often inte
business finances are often intertwined.
A
business credit score below 750 can indicate a higher
risk, which could lead
to you being denied
credit or a higher interest rate and lower
credit limit if you are approved.
Among the factors that could cause actual results
to differ materially are the following: (1) worldwide economic, political, and capital markets conditions and other factors beyond the Company's control, including natural and other disasters or climate change affecting the operations of the Company or its customers and suppliers; (2) the Company's
credit ratings and its cost of capital; (3) competitive conditions and customer preferences; (4) foreign currency exchange rates and fluctuations in those rates; (5) the timing and market acceptance of new product offerings; (6) the availability and cost of purchased components, compounds, raw materials and energy (including oil and natural gas and their derivatives) due
to shortages, increased demand or supply interruptions (including those caused by natural and other disasters and other events); (7) the impact of acquisitions, strategic alliances, divestitures, and other unusual events resulting from portfolio management actions and other evolving
business strategies, and possible organizational restructuring; (8) generating fewer productivity improvements than estimated; (9) unanticipated problems or delays with the phased implementation of a global enterprise resource planning (ERP) system, or security breaches and other disruptions
to the Company's information technology infrastructure; (10) financial market
risks that may affect the Company's funding obligations under defined benefit pension and postretirement plans; and (11) legal proceedings, including significant developments that could occur in the legal and regulatory proceedings described in the Company's Annual Report on Form 10 - K for the year ended Dec. 31, 2017, and any subsequent quarterly reports on Form 10 - Q (the «Reports»).
As such, they may be willing
to lend
to businesses that are poor
credit risks.
If your
business is very young, has poor
credit, or presents any other kind of
risk to your lender, you may find it difficult
to secure a term loan from a traditional lender.
Risks and uncertainties include, among other things, the uncertainties inherent in research and development; the uncertainties inherent in business and financial planning, including, without limitation, risks related to Pfizer's business and prospects, adverse developments in Pfizer's markets, or adverse developments in the U.S. or global capital markets, credit markets or economies generally; and competitive developm
Risks and uncertainties include, among other things, the uncertainties inherent in research and development; the uncertainties inherent in
business and financial planning, including, without limitation,
risks related to Pfizer's business and prospects, adverse developments in Pfizer's markets, or adverse developments in the U.S. or global capital markets, credit markets or economies generally; and competitive developm
risks related
to Pfizer's
business and prospects, adverse developments in Pfizer's markets, or adverse developments in the U.S. or global capital markets,
credit markets or economies generally; and competitive developments.
One option would be
to apply for a microloan, a small
business loan ranging from $ 500
to $ 35,000 (and sometimes more) that is well - suited for small
businesses or startups that maybe don't have a
credit history, can't secure the funds through a bank loan, don't have collateral, or have other
risk factors.
Additionally, a
credit card processing company will look at how long you have been in
business and even your own
credit score
to determine the level of
risk involved in providing you with
credit card services.
These
risks and uncertainties include competition and other economic conditions including fragmentation of the media landscape and competition from other media alternatives; changes in advertising demand, circulation levels and audience shares; the Company's ability
to develop and grow its online
businesses; the Company's reliance on revenue from printing and distributing third - party publications; changes in newsprint prices; macroeconomic trends and conditions; the Company's ability
to adapt
to technological changes; the Company's ability
to realize benefits or synergies from acquisitions or divestitures or
to operate its
businesses effectively following acquisitions or divestitures; the Company's success in implementing expense mitigation efforts; the Company's reliance on third - party vendors for various services; adverse results from litigation, governmental investigations or tax - related proceedings or audits; the Company's ability
to attract and retain employees; the Company's ability
to satisfy pension and other postretirement employee benefit obligations; changes in accounting standards; the effect of labor strikes, lockouts and labor negotiations; regulatory and judicial rulings; the Company's indebtedness and ability
to comply with debt covenants applicable
to its debt facilities; the Company's ability
to satisfy future capital and liquidity requirements; the Company's ability
to access the
credit and capital markets at the times and in the amounts needed and on acceptable terms; and other events beyond the Company's control that may result in unexpected adverse operating results.
Your personal finances are at
risk Unless you have a large, established
business — and even sometimes if you do — the bank may require you
to personally guarantee your
credit card.
According
to Experian, Intelliscore Plus ℠ is a statistically based
credit -
risk score that can combine
business and proprietor
credit data
to predict the likelihood of serious delinquency in the next 12 months.
Factors that could cause or contribute
to actual results differing from our forward - looking statements include
risks relating
to: failure of DBRS
to rate the Notes at the anticipated ratings levels, which is a closing condition, or at all; changes in the financial markets, including changes in
credit markets, interest rates, securitization markets generally and our proposed securitization in particular; the willingness of investors
to buy the Notes; adverse developments regarding OnDeck, its
business or the online or broader marketplace lending industry generally, any of which could impact what
credit ratings, if any, are issued with respect
to the Notes; the extended settlement cycle for the scheduled closing on April 17, 2018, which may exacerbate the foregoing
risks; and other
risks, including those described in our Annual Report on Form 10 - K for the year ended December 31, 2017 and in other documents that we file with the Securities and Exchange Commission from time
to time which are or will be available on the Commission's website at www.sec.gov.
As a general rule, banks prefer
to see borrowers with personal
credit scores over 680, they like
to see a good number of years in
business, and generally don't like
to lend
to restaurants (they perceive them as higher
risk).
Similar
to D&B, Experian captures information about your
business» background, company financial information,
credit score and
risk factors, banking, trade, and collection history, liens judgments, bankruptcies, and your industry
to create a 100 - point ranking for your
business (but the data is weighted and scored differently than the PAYDEX score).
To be sure, blockchain may enable incumbents such as JPMorgan Chase, Citigroup, and Credit Suisse, all of which are currently investing in the technology, to do more with less, streamline their businesses, and reduce risk in the proces
To be sure, blockchain may enable incumbents such as JPMorgan Chase, Citigroup, and
Credit Suisse, all of which are currently investing in the technology,
to do more with less, streamline their businesses, and reduce risk in the proces
to do more with less, streamline their
businesses, and reduce
risk in the process.
Consequently, dispensaries that allow
credit card purchases may have represented themselves as something else, like a consultant or garden shop,
to obtain a bank account, said Mark Oury, general manager of Guardian Data Systems, of Vancouver, Washington, a merchant services provider for high -
risk businesses.
In addition
to monitoring
business credit use, they offer additional
credit services
to small
businesses that include
credit risk management, the ability for your
business to check the
credit of potential of your customers, and industry - specific data
to help you identify potentially risky customers.
Under this initiative, senior Company human resources, compliance,
credit, and legal personnel compiled and analyzed extensive information about the Company's incentive plans, including plan documents, eligibility criteria, payout formulas and payment history, and held extensive interviews with
business line managers
to understand how evaluation of
business risk affects incentive plan performance measures and compensation decisions.
A variety of third parties — including banks,
credit card issuers, insurance companies, leasing firms, investors, and so on — pull
business credit scores
to evaluate
risk and reliability.
From market
risk to credit risk to fraud, our
risk and compliance solutions provide comprehensive
business risk management and regulatory compliance.
As our
business expands, we may offer
credit to our partners
to stay competitive, and as a result we may be exposed
to credit risk of some of our partners, which may seriously harm our
business.
Having a longer
credit history suggests your
business is lower
risk, so this will help
to improve your score.
Experian
business credit scores employ multiple factors
to measure a company's
risk level.
The Small
Business Credit Risk Score for Suppliers ranges from 101
to 816.
Each
business loan has a
risk band assigned by the
Credit Team (A +
to C +) which corresponds
to the minimum interest rate for that loan.
According
to the World Bank, «Trade
credit insurance (also known as
credit insurance,
business credit insurance or export
credit insurance) is an insurance policy and
risk management product that covers the payment
risk resulting from the delivery of goods and services.»
A
business line of
credit can also put your small
business at
risk, and even if your
business fails, a line of
credit has
to be repaid because it is a
business obligation.
After your
business is assessed, we award it a
Credit Band, which allows investors
to understand the
risks and rewards of lending
to your
business.
Synthetic CDOs transfer the
credit risk on a portfolio of (typically)
business loans from the issuer of the securities
to the investor, but do not involve a sale of the underlying claims on the
businesses.
If your
business is being owed much, maybe by giving too much
credit to customers, then your
business is at
risk.
Other opportunities that Kansas investors can take advantage of are the state's angel tax
credits, which offers accredited investors a tax
credit of up
to $ 50,000 on an investment in a Kansas
business, helping
to mitigate
risk and encourage investments.
When determining if your
business is right for an unsecured
business loan, our underwriters analyze a variety of metrics such as big data, historical
risk models, and trade line distribution
to determine its unique growth potential instead of just looking at your
credit score.
LendingCrowd's
risk experts award each
business a
Credit Band
to help you make decisions about the potential
risks and rewards of lending
to a
business.
, which offers accredited investors a tax
credit of up
to $ 50,000 on an investment in a Kansas
business, helping
to mitigate
risk and encourage investments.
He or she is the key figure, and the most valuable asset of the
business, and as the bank, we want to keep the owner motivated and involved,» says BBVA Compass Director of Credit Risk — Small Business David
business, and as the bank, we want
to keep the owner motivated and involved,» says BBVA Compass Director of
Credit Risk — Small
Business David
Business David Peacock.
Running
credit checks on potential customers can be a great way
to protect your
business from cash flow problems that arise with doing
business with customers who may be a poor
credit risk.
Small
businesses often decide
to run
credit checks on new customers
to make sure the customers are a good
risk to pay their bills.
For
business loans not secured by collateral, like a merchant cash advance or peer
to peer loan, lenders generally accept a higher
risk in extending
credit.
Revenue in the unit is up in the triple digits, so it is a strong growth driver, but the
business appears
to have a number of
risks, with some outsized
risk in a potential Chinese
credit crunch.
That said, Credibility Capital is not the only lender that offers funding
to merchants with over a year in
business and strong personal
credit; anybody eligible for this service will be eligible for others, and your rates will vary by lender based on how each lender evaluates
risk.
These factors — many of which are beyond our control and the effects of which can be difficult
to predict — include:
credit, market, liquidity and funding, insurance, operational, regulatory compliance, strategic, reputation, legal and regulatory environment, competitive and systemic
risks and other
risks discussed in the
risk sections of our 2017 Annual Report; including global uncertainty and volatility, elevated Canadian housing prices and household indebtedness, information technology and cyber
risk, regulatory change, technological innovation and new entrants, global environmental policy and climate change, changes in consumer behavior, the end of quantitative easing, the
business and economic conditions in the geographic regions in which we operate, the effects of changes in government fiscal, monetary and other policies, tax
risk and transparency and environmental and social
risk.
Examples of these
risks, uncertainties and other factors include, but are not limited
to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the
risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances
to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability
to obtain adequate insurance coverage; our substantial indebtedness, including the ability
to raise additional capital
to fund our operations, and
to generate the necessary amount of cash
to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our
business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors
to accelerate the repayment of our indebtedness; volatility and disruptions in the global
credit and financial markets, which may adversely affect our ability
to borrow and could increase our counterparty
credit risks, including those under our
credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability
to recruit or retain qualified personnel or the loss of key personnel; future changes relating
to how external distribution channels sell and market our cruises; our reliance on third parties
to provide hotel management services
to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability
to keep pace with developments in technology; amendments
to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «
Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.