Need a Personal or Business Loan? Check out this Site.

Have you been going to the banks asking for loans with little to no success? Are you getting turned down every time, but really need funds for personal and/or business purposes? Well I found out a good site you can check out.

When I was coming home from working out my mom, who's the owner of Heavenly Essence, Inc. (www.heavenlyessence.net), was looking through the website www.prosper.com, where millions of investors can be reached that are willing to invest in your company. Best of all, the base rates for what you lend from investors are lower than what you would get from if you received a laon from a bank.

All you need is to set up and account, and list some info about your business, how much you need, and what you'll be using the funds for. In addition, I suggest you forecast what you plan to make within a long term period. This way investors will believe you'll make a profit and will be able to pay them back.

Never Shut Down Your Marketing

Marketing is one area companies may tend to put on the back burner when times are rough. But if you run a business, and you want to set yourself apart from the rest, be sure to never take marketing out of your plans. Despite how things are going on in the economy, even if people aren't showing interest in your product or service, you should not cut down on your marketing.

What you should do is find the right marketing methods to use for your business. Use methods that target your audience, which means research what media outlets your audience watches or reads. And you should put in from 7% to 10% of your funds into marketing. Don't have the budget? There are ways you can market your product or service with little to no cost.

One book you can read that has more info on that is Guerrilla Marketing For Free by Jay Conrad Levinson. There's 100 ways to market your product or service free of cost. All you need to do mostly to put in your time and energy to make the marketing methods explained in that book to work for you.