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There are a wide array of online health care degree programs available to the student these days. Health care facility or nursing home administration, various nursing degrees, as well as physician assistance, Nurse practitioner, even nurses aid, pharmacy technician, or health educator degrees are available.For those who wish to pursue an education in health care of any variety you can typically find an online health care degree program that will suit your requirements for distance learning. Colleges with very prestigious names these days are offering online learning experiences in a wide variety of health disciplines to the student.Advantages of Studying from HomeIn many cases, and particularly when you are already in the workforce, traditional classrooms are harder to attend. When there are additional obligations such as home and family, very often the adult student has no alternative for career advancement or added education since finding time for the classes isn’t always easy to accomplish.Getting an online health care degree of any kind can advance your career.The RN to BSN online health care degree for example offers advanced education and training to the technical RN in order to better prepare her for a position in public health nursing, in corporate nursing, or even as an assistant or director of Nursing in a health care facility. The addition of education and a more advanced degree opens new doors that would not have been possible for the RN just a few years ago due to time constraints.Conformity of StandardsThe level of education is typically no different than that which would be given in a classroom situation. Your materials and the areas in which you are tested are similar and the laws of your state determine the content and skills that you must master. The disciplines that each student must learn are determined by your universities accrediting body as well as the prerequisites of the state in which you will practice.While some students have concerns about the kinds of materials they will study and the methods which are used to present the lectures and other materials, there are some wide choices out there in the online university world. Choose the kind of lecture and other materials that you are most comfortable with and from which you take away the greatest amount of knowledge.Online studies differ widely, depending on where you attend your online health care degree programs Some will offer lectures in downloadable media format, while others will give text only lectures. Select your degree program from those which offer you the best program for your purposes. Make sure that your online health care degree comes from an accredited university and that you are eligible to take your appropriate state board exams.

If you are suffering from a low credit rating and are hoping to get furniture financing, you may find it difficult to receive approval from traditional financial institutions such as banks. Even if you are not aware of your credit score, you may be turned away for a loan because said score was lowered without your even being aware of it. Thankfully, there are a number of alternative options for entering into a furniture finance agreement. Some of those options will be discussed below.One way of obtaining bad credit furniture, without going through the hassle of dealing with a bank, is through online furniture financing. Many types of financing are increasingly being offered online, due to the fact that Internet access is one of the easiest and most convenient ways of accomplishing tasks from the comfort of one’s home. Online furniture financing may be obtained from furniture sellers, lending agencies, or by way of a personal online loan. They are easy to apply for, and because of the popularity of this method, there are multiple lending agencies to choose from.Going about choosing a financing plan on the Internet may indeed be the most challenging part of obtaining bad credit furniture. It is extremely important to review the terms and conditions of the loan in question before entering into an agreement, and to compare several different services before settling on one.For assistance with unscrambling all of the financial jargon that you are almost guaranteed to encounter in such a search, you may wish to consult with a credit counselor. A credit counselor is an individual that helps to provide guidance for individuals that have experienced, and are suffering, due to a bad credit score. This counselor can help to advise you on the proper steps to take when looking for online financing, or may have additional helpful suggestions for how to proceed.If online financing is not the way you wish to proceed, there are additional options for finding bad credit furniture. Some simple ideas include selecting items and putting them on layaway, choosing a rent-to-own option, or going to a local payday advance agency. Of these three suggestions, by far the least costly, and perhaps most responsible option is the layaway option. By choosing to place items on layaway, you are not going beyond your available budget to obtain your desired furniture pieces, but you are still giving yourself reasonable goals for saving and reaping its rewards.

There are several potential financing options available to cash-strapped businesses that need a healthy dose of working capital. A bank loan or line of credit is often the first option that owners think of – and for businesses that qualify, this may be the best option.

In today’s uncertain business, economic and regulatory environment, qualifying for a bank loan can be difficult – especially for start-up companies and those that have experienced any type of financial difficulty. Sometimes, owners of businesses that don’t qualify for a bank loan decide that seeking venture capital or bringing on equity investors are other viable options.

But are they really? While there are some potential benefits to bringing venture capital and so-called “angel” investors into your business, there are drawbacks as well. Unfortunately, owners sometimes don’t think about these drawbacks until the ink has dried on a contract with a venture capitalist or angel investor – and it’s too late to back out of the deal.

Different Types of Financing

One problem with bringing in equity investors to help provide a working capital boost is that working capital and equity are really two different types of financing.

Working capital – or the money that is used to pay business expenses incurred during the time lag until cash from sales (or accounts receivable) is collected – is short-term in nature, so it should be financed via a short-term financing tool. Equity, however, should generally be used to finance rapid growth, business expansion, acquisitions or the purchase of long-term assets, which are defined as assets that are repaid over more than one 12-month business cycle.

But the biggest drawback to bringing equity investors into your business is a potential loss of control. When you sell equity (or shares) in your business to venture capitalists or angels, you are giving up a percentage of ownership in your business, and you may be doing so at an inopportune time. With this dilution of ownership most often comes a loss of control over some or all of the most important business decisions that must be made.

Sometimes, owners are enticed to sell equity by the fact that there is little (if any) out-of-pocket expense. Unlike debt financing, you don’t usually pay interest with equity financing. The equity investor gains its return via the ownership stake gained in your business. But the long-term “cost” of selling equity is always much higher than the short-term cost of debt, in terms of both actual cash cost as well as soft costs like the loss of control and stewardship of your company and the potential future value of the ownership shares that are sold.

Alternative Financing Solutions

But what if your business needs working capital and you don’t qualify for a bank loan or line of credit? Alternative financing solutions are often appropriate for injecting working capital into businesses in this situation. Three of the most common types of alternative financing used by such businesses are:

1. Full-Service Factoring – Businesses sell outstanding accounts receivable on an ongoing basis to a commercial finance (or factoring) company at a discount. The factoring company then manages the receivable until it is paid. Factoring is a well-established and accepted method of temporary alternative finance that is especially well-suited for rapidly growing companies and those with customer concentrations.

2. Accounts Receivable (A/R) Financing – A/R financing is an ideal solution for companies that are not yet bankable but have a stable financial condition and a more diverse customer base. Here, the business provides details on all accounts receivable and pledges those assets as collateral. The proceeds of those receivables are sent to a lockbox while the finance company calculates a borrowing base to determine the amount the company can borrow. When the borrower needs money, it makes an advance request and the finance company advances money using a percentage of the accounts receivable.

3. Asset-Based Lending (ABL) – This is a credit facility secured by all of a company’s assets, which may include A/R, equipment and inventory. Unlike with factoring, the business continues to manage and collect its own receivables and submits collateral reports on an ongoing basis to the finance company, which will review and periodically audit the reports.

In addition to providing working capital and enabling owners to maintain business control, alternative financing may provide other benefits as well:

It’s easy to determine the exact cost of financing and obtain an increase.
Professional collateral management can be included depending on the facility type and the lender.
Real-time, online interactive reporting is often available.
It may provide the business with access to more capital.
It’s flexible – financing ebbs and flows with the business’ needs.
It’s important to note that there are some circumstances in which equity is a viable and attractive financing solution. This is especially true in cases of business expansion and acquisition and new product launches – these are capital needs that are not generally well suited to debt financing. However, equity is not usually the appropriate financing solution to solve a working capital problem or help plug a cash-flow gap.

A Precious Commodity

Remember that business equity is a precious commodity that should only be considered under the right circumstances and at the right time. When equity financing is sought, ideally this should be done at a time when the company has good growth prospects and a significant cash need for this growth. Ideally, majority ownership (and thus, absolute control) should remain with the company founder(s).

Alternative financing solutions like factoring, A/R financing and ABL can provide the working capital boost many cash-strapped businesses that don’t qualify for bank financing need – without diluting ownership and possibly giving up business control at an inopportune time for the owner. If and when these companies become bankable later, it’s often an easy transition to a traditional bank line of credit. Your banker may be able to refer you to a commercial finance company that can offer the right type of alternative financing solution for your particular situation.

Taking the time to understand all the different financing options available to your business, and the pros and cons of each, is the best way to make sure you choose the best option for your business. The use of alternative financing can help your company grow without diluting your ownership. After all, it’s your business – shouldn’t you keep as much of it as possible?