Commercial Real Estate Loan Basics for Small Business Owners

The concept of intensive care being needed for working capital financing is meant to reflect the increasing difficulty that most small business owners are experiencing when attempting to obtain commercial loans from banks. While the business financing patient (commercial borrowers) might be in serious condition, appropriate specialists can frequently help in restoring financial health.

There are several reasons why intensive care comparisons might help to explain what is wrong with working capital financing and at the same time provide a healthy prognosis for impacted businesses. Business financing is proving to be a serious challenge for most small business owners. We published an earlier article noting that it appears that commercial financing is already on life support based on recent reports of reduced commercial loans made by banks throughout the country.

During the past two years, banks have lost much credibility and good will. Until the federal government provided massive bailouts for many of them, most of these lenders were on life support themselves. Some banks are effectively still in the intensive care process while others have recovered satisfactorily. Working capital financing for most small businesses is predominantly in what appears to be long-term intensive care, whether we are reviewing the healthy banks or ones still recovering. Banks are generally reducing or eliminating a large portion of their business financing activities, as indicated from most ongoing public and private reports. For example, with little or no advance notice, most banks appear to be closing commercial line of credit programs for small businesses regardless of profitability or length of the lending relationship. This is apparently not a temporary move to the sidelines but rather a permanent reallocation of resources to more profitable activities based on the manner in which this is being accomplished.

Lending activity has also decreased significantly for other forms of business financing such as commercial mortgage loans. Commercial loans have essentially been downsized or laid off just as many workers have. The realization that banks are rarely announcing publicly that these cutbacks have occurred is what makes this situation different. Perhaps bankers like to think that when they stop making small business loans nobody will notice. When it becomes public knowledge that their small business lending window is effectively closed, the bankers who placed commercial financing into intensive care are astute enough to realize that their public image will suffer even further damage.

Before they realize that the business financing world has changed before their eyes, it is possible that small business owners might need to connect several dots. Banks are simply no longer providing the commercial loan services that they once did, as this article and other reviews indicate. Commercial borrowers should primarily rely on extensive candid discussions with other small business customers of the bank to confirm whether their bank is one of the few exceptions to this new reality. The prevailing trend of less working capital financing coming from traditional banks should not be ignored even in the rare instances in which banks are truly lending “normally” to small businesses.

While business financing patients (commercial borrowers) might be in serious condition when they find that their bank will not provide needed commercial loans, experienced small business finance specialists can frequently help in restoring financial health that will facilitate a business getting out of an intensive care situation. In some cases, this involves finding a healthy bank that is willing (and able) to provide “normal” commercial loans and working capital financing. For successful commercial funding it will be necessary to explore non-bank solutions in many other instances.

All That You Need to Know About SEO and SEM

Asking 20 different Search Marketers today to give a clear explanation of SEO will give you 20 different answers. To put it simply, SEO or Search Engine Optimisation means the creation of a website (or even an updating of a website), so as to get the site to rank higher in the organic search results, and thus drive more quality traffic to the site. This process is done through either on-page procedures – which involve using of relevant content, keywords, link structure, etc, or even off-page procedures which involve link building. A web development company can help you take care of SEO as well.

SEO is actually an evolving process and one that changes continuously. SEO is like a school of thought on its own and isn’t something that is done in a jiffy. It is something that is attained to perfection through a series of small adjustments. Individually these small adjustments may not mean much, but when combined, can leave a positive mark on the website by giving it a better ranking in the organic search results. SEO always requires the essentials of time, education as well as resources.

A necessary knowledge to have in context to SEO and SEM

Do not ever confuse the terms Search Engine Optimisation or SEO with Search Engine Marketing or SEM. This is because SEM is the broader term and SEO as well as Paid Search Advertising comes under SEM.

SEM – This is actually a form of marketing which helps you promote your website in the search results of search engines through both non-paid as well as paid methods. The non-paid or natural method includes the concept and process of SEO whereas the paid methods include paid placement, contextual advertising; among others. The term SEM is also to refer to persons who perform SEM, called the Search Engine Marketers.

SEO – This is the branch of SEM that deals only with the search rankings that are achieved by natural or non-paid means. The SEO process again, helps in driving quality traffic to the site by improving the site’s visibility in search engine results. The SEO process is often a time consuming effort and require a continuous effort for some time. Like SEM for Search Engine Marketers, SEO is also referred to people who are Search Engine Optimisers. SEO can be the most cost-effective method in SEM if used properly.

Paid Search Advertising – This is also one of the methods employed under SEM. Popularly known as Pay Per Click (PPC) Advertising, this method is used to sponsor one’s website in search results. When a user types in a specific keyword, this sponsored website comes as the sponsored results. Each time an user clicks on this sponsored result, a fee is charged. The Click Through Rate (CTR) and the quality score too determines the fee. Google makes huge amounts of money by employing this method. In fact, Google earns around $5 Billion every quarter through this paid search advertising revenue.

Important Differences Between SEO and SEM

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Though both may be integral parts of the Search Engine cosmos, there still are huge differences between SEO and SEM in terms of features and the way in which they get implemented. Many have said that SEO India is a part or a division of SEM India. SEO envelopes factors such as meta tags, keywords and their density, titles and HTML coding where as SEM encompasses factors such as search engine submissions, directory submissions, paid inclusions and certain others. SEO might involve optimizing the website making use of all methods available at the disposal where as SEM would include extensive use of marketing methodologies used for marketing any entity over the web. SEO can be said to be a division out of many divisions of SEM as it is basically carried out to enhance the brand equity and presence of that product.

Some of the methods that are used in practicing SEO include use of HTML and XML maps with some of the advanced measures being usage of XML Sitemaps and plain text files with URL names. SEM as a whole process includes many other features such as Pay per Click Advertising and Pay for Inclusion. These two methods help in having the marketing campaigns done quite belligerently and help in incorporating paid for listing. These paid for listings are a very effective way of drawing in user traffic and also a tested way of bringing in more crowds.

SEM is one of the most famous and renowned methods of internet marketing where the entity can be marketed through a barrage of methods where as SEO happens to be one of the most charismatic and efficient methods of optimizing websites. All the features that go into optimizing the website are very organic and ethical and represent the finest quality of authenticity. SEO ensures that when the user types in the necessary keyword, the website comes up in the first page of the search result pages within no time. SEM ensures that when the user searches for the concerned service over the web, then the portal promoting it is one of the first ones that come up.

The commonality with both is that be it optimization or be it internet marketing, both are done quite beautifully and quite efficiently at all the right kind of forums. These special places are the ones that draw maximum traffic and the personnel working on both processes ensure that they get covered quite well.

SEO is certainly but a part of SERM but has an identity of its own. It does not get equated with anything and its value is unparalleled. It can be firmly said that without SEO, SEM would be incomplete. SEM certainly covers a wider cosmos or area but having mentioned that, it is not as if SEO is any less. Websites can only achieve a better ranking through SEO Services and without it, the websites will have to go an eat cake. Both have their own space and both are imperative for betterment of the sites.

What Is SEO and SEM?

You have a brand new website and update it weekly. You rank high in the search engines, but you’re just not getting the website traffic you want. So you get on either Google or Bing and you do research on how to attract more attention to your website. Two patterns surface, the terms SEO ( Search Engine Optimization) and SEM ( Search Engine Marketing). What is SEO and SEM and why do I need it?

Looking deeper you find that having this type of knowledge on your side is a strategic tool to attract more customers online. Whether you decide to optimize your website or market your website, doing a little bit of both will give you the ultimate results. So what are the differences?

SEO – Search Engine Optimization strategically gains search engine’s interest by focusing your website on what search engines like. You gain more exposure when your website provides top content and user experience. There are many optimization tips and tricks out there, but what it really comes down to are your long term and short term goals. A great start would be to make sure your website has fresh content, correct code hierarchy and an updated blog.

SEM – Search Engine Marketing gets your website and company out there. Promoting your website through quick advertisements or creating keyword pay per click campaigns will get your product or service in the lime light. You will begin to see website traffic improvement almost right away. (Accurate readings will vary within 24 and 48 hours)
If you’re seasoned or just starting out, doing your research first can help better prepare you when you need to make that next step into hire an SEO or SEM professional. You may find this method very freeing. It will decrease your concern of your online presence and open up your staff to more in-house projects.

Optimization and Marketing can be powerful tools for your business. When gaining recognition online with goals and campaigns you will notice an increase of traffic on your website and a higher ranking on your favorite search engine. Keep in mind that there are a few disadvantages when targeting organic search results. For one, AdWords does not guarantee keyword performance, and second it could become pricey when in competition with companies that pay more for exposure. However, unde

The Difference Between SEO and SEM

When talking about ways you can promote your business or website, it’s difficult to get your head around all the different methods available to you. Pay-Per Click(PPC), Search Engine Optimisation (SEO), and Search Engine Marketing (SEM) are some of the most popular ways to bring yourself exposure online. However, with so many avenues to take – how do you know what is right for you and your business?

Ideally, you can seek advice from a company which offers all the different services, as they will have experience in the niche and can thus give you a balance view on what is best for you. However, we want to look at the differences between SEO and SEM, as they both require different types of marketing and different types of businesses can benefit from the other more;


SEO is re-modelling the content of your website to fit specific keywords which are there for you to rank for. These keywords are usually specifically researched by an SEO company, to fit in line with your website and what it aims to make, so that you are competing in an area which you can not only draw great business from, but potentially grow in the future.

SEO concentrates on getting your content full to the brim with quality. Then, once your content is full of well-linked pages and calculated use of the keywords you wish to aim for, you slowly start to move up the rankings. Your traffic is generated as you become one of the highest ranks in Google, but it can take a long time. If you are looking to make a quick boom with a potential project, perhaps a product which is fit for a season, then perhaps SEO is not for you.

It can take months to see the tangible results, but the serious work undertaken to complete the job is there for all to see at the end. There is no real way to fool the Search Engines, so it is just a case of waiting. The contracts can be a little expensive and SEO tends to be used when businesses are already doing well and can cover the costs.


SEM is using the Search Engines, but in a different way. With SEM, you do not have to re-write your website to make it fit with SEO practices and the like, you use the spaces on the different Search Engines to make sure that you appear as a favoured advertisement for the keywords chosen.

This means that you can bring in huge amounts of targeted traffic in a short space of time, and the budgets are not as heavy as the likes of PPC. This means that the budgets are usually fairly affordable, depending of course on what market you are competing in. A fiercely competitive market with big budgets already being spent can see costs soaring, so make sure you understand the potential costs before entering into an SEM contract.

It offers the opportunity to build a short-term traffic burst, while making long-term clients in the process. If you keep up the payments on your campaigns, it will continue to bring you new clients. You just need to make sure you can sell the products to them efficiently – high traffic is useless with a poor sales copy and cheap website.

So what do you think is better for your business? Do you need a long-term strategy, or are you in need of something more rapid that can push you forward quicker against your competitors? You should discuss it with your Web Designer or any business partners you have, as it should be a serious part of your marketing campaigns, no matter what option you choose.

If you are looking for a SEO Agency that you can trust, get in touch with

The Difference Between SEO and SEM

SEO is an acronym for Search Engine Optimization. This is how a website purposefully designs it content, including their titles, content and meta tags, for the sole purpose of getting the attention of search engines like Google, Yahoo and the lesser known Bing. What SEO wants to achieve is an organic or natural flow of traffic to their websites that is not bought or paid for like we do when we pay for advertising. A search engine result is free.

SEM is an acronym for Search Engine Marketing. It is a concept often associated with SEO, sometimes even confused with SEO. They have some goals in purpose but are very different in technique. SEM has come about because large search engine websites like Google have offered fees to show case ads on the top of their page listing. These are pay per click or PPC ad campaigns. SEM is closer to traditional advertising in that you pay for the direct exposure you are receiving. SEM has made it possible to be a website with high visitor content just because they pay more to be advertised and promoted by Google. Both SEM and SEO are sets of strategies to bring in visitors. Except you pay up front for SEM, it is a direct advertising strategy. While with SEO, you look for indirect ways to get noticed.

Optimizing a website for search engines, will mean evaluating particular keywords and keyword phrases the internet users may type into search engines to look for service and products that an ecommerce based business may offer. The grit of SEO is editing website content with keywords. Including keywords and keyword phrases in tags and meta tags. Even links and HTML is edited to suit SEO. HTML and links are worked out in a way to get the website user to move a certain way within your website. Ideally, the website visitor is presented with links around the website, going from page to page to read information they are interested in. This design makes it so the website user does not leave the website immediately.

SEO works best when the SEO professional does not try to find underhanded ways to cheat the search engine system. Such tricks will get a website flagged by the search engines, since they use practices that are discouraged. Even if the website does rise to prominence for a moment on the Google rankings, reading content over peppered with keywords will get the website pulled down even faster. SEO tricks like link farming, keyword abuse and page cloaking get picked up by the search engine algorithms and they push the website to the top of search results. You can trick the machine. But after people start reading your content, it becomes apparent that the website is a fraud.

The best way to climb to the top is by following ethical SEO guidelines. Write good content with proper technical guidelines. You can learn to do this yourself. You can also hire a writing service who will do this for your. But if you want to really get out there the fast way, consider SEM. A Pay Per Click ad campaign means that you only get charged for clicks on the link to your website. You know exactly what you are getting for your money.

Search Engine Marketing is guaranteed promotion for any business. Pay per click is one for few guaranteed strategies for success in attract the coveted targeted consumer. But you can and you should use both SEO and SEM at the same time. Both are invaluable resources. Here is a list of benefits that will be available to your website with the help of SEM:

1. When somebody types in a query into a search engine, the search engine will present them only ads and banners in the same industry or interest of the query.
2. Pay Per Click is great for corporate awareness, aside from online sales. It increases the value of the brand name.
3. Pay per clicks and sponsored links are transparent. You know what your money is paying for, as presented by the numbers.
4. Keeping well written and informative landing pages will lead readers to explore your website and see what else is available.
5. You only pay for the traffic volume that the pay per click ad has brought in. And this traffic is select, meaning they have interest in your service or product.

In a way SEO and SEM are the same concepts wrapped in different presentations. SEO will last longer because it is content based. You do not pay for it every time it shows up in search engine results. If the competition is low, your website will be highly ranked for a very long time. SEM operates with the same traffic volume objective buy in a different way using paid Ads, banners, sponsors and Pay per click services. It brings in traffic too over a shorter period of time, unless you can keep payments indefinite. But the websites that gain the most use both SEO and SEM aggressively.

1. They get more traffic that increases exponentially if they keep up content.
2. They keep up with rankings over a long period of time.
3. They keep it innovative and fresh, so loyal visitors have something new to see and come back to visit again.
4. Content keeps up with relevance to search engine guidelines.
5. They cultivate repeat visitors who also become repeat customers.

Being SEO ready means your website is easy to access, user friendly, and easy to navigate for the average user. There are gimmicks, games, polls, promos to entertain the internet user and keep them coming back. This attracts

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