Small Business Banking

As a small business owner, you will want to focus on banking features that are available, useful and help you realize success with your company. Each financial institution offers unique small business banking programs and packages. There are free business checking accounts, business savings accounts, loans and credit card services as well as online features from credit unions and banks to consider while conducting business. You will want to become familiar with their products so you can choose which will work for you and your business.

When looking at the selection of credit unions and banks, you will see many types of small business banking services that can meet your needs. Some credit unions and banks offer free business checking accounts, while others require a minimum balance. You may need after hour depositing and many small business banking programs include this. Most banks and credit unions offer a debit card or check card with the opening of a free business checking account. This can prove to be a convenient and efficient way to make purchases for your business. You may have an option of an unlimited amount of transactions when you start a free business checking account with your credit union or bank. Check with your financial institution, as there may be limits on usage and account balances.

You will have plenty of options when you open a business savings account. Overdraft protection can certainly be useful when you use your business savings account to cover any overages by your business checking account. Your business funds can earn money with an interest bearing savings account. Each financial institution will set their terms for the amount and the length of the deposit for this type of business savings account. CD’s and money market savings accounts are offered as another source of generating money with your business savings account.

Most small businesses need capital for start up, growth and expansion, and even help through lean times. Credit Unions and banks offer loans and even business credit cards to cover these needs. Many small companies take advantage of business credit cards for convenience and flexibility with their working capital. An example of this would be when using your card to cover the gap in payment for goods and services that your business has invoiced. Small business loans can be an essential element for expansion in the event that you do not have the capital to cover the cost of growing your company. While you can’t predict the future, knowing that your business can take on a loan to assist you through difficult times can put your mind at ease.

Small business banking has grown with the digital age and most banks and credit unions now extend online services to their business customers in addition to free checking and savings accounts. Such services can include taking of care of your accounts payable online, monitoring free business checking and business savings account activity, receiving account alerts at your email or mobile device, bill payment and transferring funds between accounts with the push of a button. Statements through the mail can literally be a thing of the past with online banking. Online small business banking services even allow for the use of accounting software such as Quicken® or Microsoft Money® so that your financial picture can be managed with great ease.

Business Solutions in Online Survey Software

Whether you’re the VP of a large company or a small business owner, you want to know more information about your clients and your target market. Now that so many people are online the virtual plain of the Internets is one of the best places to contact your target market. To this effect, online survey software companies are a great business solution. They provide you with the ability to build surveys, send them out to mailing lists, and receive answers quickly and all in one software. Using this type of tool as a business solution, the sky is the limit!

Well, almost…. Not all online survey software companies will suit your specific needs. You’ll need to shop around. Online survey software companies all provide survey creators, data collection, and many similar features. How, then, are business people supposed to decide which tool suits their needs best? Survey creation is important because it affects what respondents experience during their survey and determines drop-out levels. It is important to keep in mind the contact management of the software: what features exist for publishing surveys? If you collect data then you most likely need to present the results and therefore the reporting capabilities of the software are also important. With all of these features available, we could choose any one of them to base our decision on. This choice depends on your and your business’ needs.

One way to make a decision, which may prove most effective for determining the utility of a software to your business, is to place more importance on the data analysis capabilities of the various software companies. To get meaningful results from your survey you need more than just numbers and percentages. You need advanced data analysis. Advanced data analysis includes using multi-level crosstabs to obtain brand feedback, for example. Another example could be conducting pricing analysis to measure the likelihood of purchase at a specific price point. To provide you with business solutions survey software has to go above and beyond simple survey creation and data collection. Advanced data analysis is imperative.

There is so much potential for survey software to provide real business solutions. It is important for you and your business to look for the features in each company that will best suit your needs. Here are some of the features that may provide potential solutions for your business:

Solutions for marketing:
Online survey software has the potential to help you to understand your current and future markets using analysis to identity clear action points that feed into marketing plans. Certain survey software companies have the potential to become meaningful market research tools for your company. By capturing customer feedback you can ensure that you minimize customer churn to build relationships and keep customers happy. You can also analyze survey data to speed up a new product development process and gather feedback from your target market on pricing, new product concepts and product features. By collecting feedback on advertising concepts, website design, packaging, logos, etcetera, you can improve current marketing campaigns and fine-tune future ones. For example, some software allows you to use multi-level cross-tabulations to obtain brand feedback from various populations; test advertising concepts using heat-map or video; and conduct pricing analysis with scale slider questions to measure the likelihood of purchase at a specific price point. This software even allows you to create multilingual surveys in order gather global feedback from your customers all over the world.

Solutions for sales:
Using online surveys you can capture valuable customer feedback to provide information to your Sales department about their current satisfaction and dissatisfaction levels as well as future requirements. Use this information to identify ‘at-risk’ customers, follow-up on leads to develop new business or upsell to customers who have unfulfilled requirements. Use trend analysis to measure changes in customer feedback over time. Using advanced analysis functions to identify clear action points that feed into sales strategy can optimize your business’ relationships with customers. You can evaluate the impact of advertising campaigns among your sales forces. Some companies make things a little easier by funneling survey data directly to your sales team with Salesforce integration. This way your Sales department is alerted to dissatisfied customers and provides the opportunity to build relationships before the customer dissatisfaction reaches critical levels.

Solutions for Human Resources:
They backbone of your business is the people who make it work: your employees. To optimize your business you need to make sure your team is fit, satisfied, and efficient. Survey software can provide innovative solutions to keeping your team satisfied and functioning at the top of their game. Using online surveys you can gather feedback from employees about corporate communication, benefits, salaries, satisfaction, training and development opportunities. With features such as ‘grouping’ you can develop 360-degree feedback from questionnaires, e-learning quizzes or even post-training tests. The feedback you receive will allow you to improve churn rates, improve internal communications, address areas of higher dissatisfaction, and develop appropriate training programs. The possibilities for gathering feedback are endless, but of course, once again, you have to use tools with advanced data analysis to deal with this data effectively.

Every business is looking for ways to improve their profits, satisfy their customers, and keep their employees happy. Online survey software is one way to provide your business with solutions and tools to achieve these objectives. It is important to look for attractive survey creators to optimize respondent experience and improve your chances of getting more responses. However, as I have emphasized in this article it is the data analysis components of the software that provide the most advantages and solutions for your business. There are several survey software companies that provide these types of data analysis tools. You need to shop around a find the tool that suits your specific needs. Engage in intelligent consumerism, go beyond the survey sending step, and demand more from your survey tools.

Tips on Setting Up Your Small Business Bank Account

One of the first things you will need to set up is a bank account. We recommend a large bank because:

They have locations everywhere

They have longer hours

They will probably buy out your local community bank anyway

If you are an owner/operator of a small business, you will appreciate having a Debit or ATM card for your business. They also have easy to read statements for merchant accounts, little or low fee checking accounts, locations in the grocery store, weekend banking, business credit cards (VISA or MC), small business loans, auto loans and leases, etc. If you run a lot of locations and are expanding your business you might even ask the local manager to fax you weekly confirmation of daily deposits made during the week.

When opening an account always ask about checking account fees, primarily deposits per check charges. Try to have these reduced or eliminated. If you wish to shop banks and fees, don’t forget to shop service. We recommend these ten tips when selecting a bank.

Make an honest list of the services you want and those services you really need and then interview banks to see which services they provide on your ‘shopping list’. Be careful at big banks. Ask for the branch manager and not the new accounts sales girl. Chances are she’s just out of college and doesn’t even understand real world banking relations or hand-shaking deals at the Rotary Club or golf course. She’ll be too ‘By-The-Book’ to answer any real questions.

Start seeking referrals from long standing community and business leaders. Perhaps a local CPA, home based business consultant or small business owner. Make sure you get advice from people you respect.

Geography is important, but it should not in all cases be the deciding factor. You should start with nearby banks.

Visit the bank. Are there long teller lines? Is the staff courteous? Do they smile, etc.?

Sit down with a bank officer and don’t be afraid to ask the tough questions: Do you really want our small company’s business? Are you interested in long-term relationships? Will I be able to work with a certain specific person on a continuing basis? Will you treat me like a number? What is your turn around time on loan applications? How many layers of management are there until I get to the president? What’s his or her name? Have you ever met them? May I?

Make clear exactly what you want and need from a banking relationship. Will you be looking for a loan soon? Like any other relationship, communication is the key to a good banking relationship.

Don’t fall for flashy ads that promise you stuff and they forget your name next week. You might even come back the next day and ask “Do you remember my name? If they don’t, smile and walk out.

Try not to be misled by free toasters or mouse pads if you open an account. These free items won’t help your car wash business thrive, but a good banking relationship can.

Remember, that a bank’s service is gauged by the service it provides, not it’s brochures, gimmicks, signage or billboard ads.

Evaluate the relationship when you have been with a new bank for six months. Honestly evaluate how things are going and share your conclusions with your banker. The best banking relationship is one where both parties are open and forthright and where issues can be discussed that will lead to a long-term mutually beneficial partnership for the expansion and betterment of your car wash franchise.

Check Ordering For Business Account

Why does ordering checks and replacement checks cost so much?

Because banks make a profit on the checks you order. For a little less than one-half the cost you can order your own checks and eliminate the middleman – that’s the bank. Call:

Current Check 1-800-426-0822;

Checks In The Mail 1-800-733-4443;

Deluxe Checks 1-800-4DELUXE

All three firms guarantee that their checks meet industry standards. We’ve ordered from all three. Deluxe is faster if you’re out of checks, but still have money left. They do cost an average of $4.00 more per box.

Interest Bearing Accounts

If you choose an interest bearing checking account, be sure to take a close look at the other associated fees. It may say it’s a free account with no fees and that it’s interest bearing, but if you fall below a pre-determined balance you may pay exorbitant fees or if you have high activity such as lots of checks written or deposited, you may be charged a fee anyway. If it’s a per check fee it will undoubtedly be higher than a normal basic account.

You should not pay fees on a business savings account if fees are charged for your checking account you may seriously want to consider switching banks.

Choosing a good bank for your small business is very important, please take this initial step in your business seriously, you’ll be glad you did.

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