1. Start with an approved home equity line
   account from a lending institution.
   
   
2. Open up a business checking account
   Additionally, we suggest that you get your personal pre-paid credit card for online and merchant purchases (best for budget control and fraud protection)
   
   see how the pre-paid credit card can work for business
   
   
3. Advance working capital as you need
   from your equity line account to your business checking account and pre-paid credit card
   
   
4. Make notation that working capital has been received
   for your business on your book ledgers. You will also note in your ledgers:
   
   

   ·	expenses paid
   ·	interest charges
   ·	all other related business items to operate your business
   ·	you may need an account software to maintain your records and receipts link to view Quicken's Ledger for small business

   
   
   
5. Use your book ledgers at year-end
   to prepare tax returns for your business. You need to discuss your situation with a tax advisor to maximize benefits.
   
   

   ·	search online for CPA directory
   Search IRS Information
   ·	Publication 936: Mortgage Interest Deductions
   ·	Publication 587: Business Use of Your Home
   ·	Publication 583: Starting a Business
   ·	Publication 334: Tax Guide for Small Business
   ·	Publication 533: Self-employment Tax
   ·	Publication 535: Business Expenses

   
   
   
6. What a smart way to get yourself going on the road to success
   
   

   Apply now for your home equity or dial toll-free: 1-877-777-1370

   
   

Starting a home business

Did you know that a large percentage of new businesses over the next decade will come from small entrepreneurs like yourself?

We're talking about individuals who begin a small enterprise with little money, a lot of work, and some business savvy.

What's needed to start your own small business:

• working area, such as a room in your home
• file space
• computer and software
• internet access
• telephone
• fax machine

And, don't forget your "Business Startup" Home Equity Line of Credit as an important source of working capital.

It's a perfect credit line for starting your business. It gives you the control to advance yourself working capital whenever you need.

With your "Business Startup" Home Equity Line of Credit, you become your own banker, using the equity in your home to make important capital decisions.

The interest on your equity line is much lower than unsecured credit lines and cash advances from business cards.

And the interest you pay may be tax deductible — additional cost savings. Check with your tax advisor to see if you qualify for the tax deduction. Click here is see how much you can save.

Using your Home Equity Line of Credit as a "Business Start-Up" gives you total flexibility and control

. . . cash as you need it, when you need it. You can set your own repayment schedule by paying the monthly minimum or a little extra. It's your choice.

Apply now for your personal "Entrepreneur" Home Equity Line of Credit or dial toll-free: 1-877-777-1370

Additional Sources:

• Manage your business and books with Quickbooks:
  http://www.quickbooks.com/
  
  
• Finding a small business credit card:
  http://www.SayCards.com
  
• Use pre-paid cards to manage business expense:
  see diagram on pre-paid for business
  
  
• Find computers / software / FAX / telecommunication:
  http://www.nBuy.com

Using working capital

As a small business owner, you can appreciate the importance of having working capital when starting your business. Because it may take a while before you see your first sales.

Working capital can be used for different startup investments:

• purchasing equipment
• establishing a Web site that allows for on-line orders
• closing a contract with supply vendors
• getting investment seed money that can help close your first sale

Working capital can also be used to maintain a positive cash flow:

• you may experience negative cash flow when the expenses paid exceed revenues received
• a credit line can help you maintain working capital whenever your cash position becomes tight

That is why using your Home Equity Line of Credit as your "Business Start-up" can be an important part of your small business strategy:

• use it as working capital to fund important business-building investments
• use it as a credit line to maintain a positive cash flow

The interest on your equity line is much lower than other unsecured loans and cash advances from credit cards. And the interest you pay may be tax deductible — additional cost savings. Check with your tax advisor to see if you qualify for the tax deduction. Click here is see how much you can save.

The "Business Startup" Home Equity Line of Credit gives you total flexibility and control . . . cash as you need it, when you need it.

You can set your own repayment schedule by paying the monthly minimum or a little extra. It's your choice.

Apply now for your personal "Entrepreneur" Home Equity Line of Credit or dial toll-free: 1-877-777-1370

Maintaining a business vehicle

You are traveling to see a client and your car breaks down on a major highway. The repair bill is steep:

You can't afford a new car right now, so what are you going to do?

Just charge the repair bill on your credit card. Then when your credit card bill comes in, pay it off using your "Business Start-Up" Home Equity Line of Credit.

The interest charges on your equity line are much lower than on your credit card. And the interest you pay may be tax deductible — additional cost savings. Check with your tax advisor to see if you qualify for the tax deduction. Click here is see how much you can save.

Your home equity line of credit gives you total flexibility and control — cash as you need it, when you need it.

Apply now for your personal "Entrepreneur" Home Equity Line of Credit or dial toll-free: 1-877-777-1370

Additional Sources:

• Understanding Auto Repairs:
  http://www.autosite.com/garage/garmenu.asp
  
• Find a New Auto for Your Business:
  http://www.nBuy.com/garage
  
  
• Use pre-paid cards to manage day-to-day expense:
  see diagram on pre-paid for business