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Business templates

Welcome to Business Tools and Business Templates!

We provide business tools and business templates to address most of the usual, and some of the not so usual, problems that businesses, large and small, face everyday.

Business Tools Business Templates grew out of MarketWare International — leading marketing and business consultants to the information technology industry. During the last 20 years we have developed and used a whole range of tools and templates to solve real business problems for demanding clients of our consulting practice.

These business tools and business templates are now available to the general business community through this site. Our objective is to allow people to focus on solving the business problem, rather than spending time developing business tools or business templates from first principles.

Many tools cost less than $10 and your purchases come with a No quibble MONEY BACK GUARANTEE for 10 days from receipt of your purchase. Attractively priced packages of complementary templates are available. Alternatively you can make up your own packages of three templates for the price of 2 — go to 3 for 2.

Not sure if a particular business tool or business template is right for you? Why not check out the relevant User Guide, print a copy and review it offline?

At the request of users we regularly develop new business tools and business templates. We also screen and carefully select business tools or business templates developed by other practitioners. Thus, availability changes frequently. Why not bookmark the site and check back regularly? Or register to be kept informed!

Special Need?

Can’t find what you are looking for?

Use the Tools Wanted menu to tell us what you need or alternatively email your requirements to [email protected]

If we consider that it may have general appeal, we will develop it and give you a free copy.

Tools to Offer?

Have you developed some tools or templates to address a specific business problem?

Would you like us to market them on your behalf on a 50:50 revenue sharing basis?

If so, use the Tools Offered menu to tell us about your offering or alternatively email a copy as an attachment [email protected]

The Business Tools Templates Team.

Business templates

Business finance

Compare business finance products

Seek out the best deals on a wide range of products including in-credit business current accounts, cashback business credit cards and short-term business loans – plus get exclusive deals on business products that you can’t find anywhere else.

Business finance. Trust us to explain it simply


Medium to long-term business loans

We ve provided a list of those who can help if you re interested in taking out a medium to long term loan.

Commercial mortgages

Every question you have around commercial mortgages – solved

Business saving accounts

Just like a personal account, you can manage and save your financies to support your business

Asset financing

Financing for the things where your business needs it most

Short-term business loans

From helping with cash-flow to expansion costs, a short-term loan could be an option if your business needs a boost

Invoice financing

Often an ideal solution when in need of a instant cashflow-fix.

Business current accounts

Compare and find the best business current account to suit your business

Business credit cards

Facilitate staff spending and much more with business credit cards

Business money transfers

Credit cards can be used as a way of managing both staff spending and cashflow.

Business insurance

Ensure your business has the protection it requires

Business energy

Just like your home, compare and save money on your business energy and gas

Managing business expenses

Discover a great alternative to a business credit card


What are business loans

All you need to know about taking out a loan for your business.

What are business current accounts

The best way to keep your personal and business-banking separate.

Business savings accounts explained

All you need to know about taking out a loan for your business.

Peer-to-peer business loans

A loan that comes from individuals, as opposed to the bank. We explain how.

Invoice financing

How it works, and how it can benefit your business

What are business credit cards

Credit cards can be used as a way of managing staff spending and cashflow

Business finance in general

When it comes to managing your business finances, it’s not all that different from managing your personal finances.

The key difference is the fact you want to seek out products that are specifically designed for business use, as these will offer better rates as well as other features aimed at making running your business easier for you.

Who business finance is for?

Business finance is for any type of business, no matter how big or small.

You may want to think about business finance if you operate as a sole trader, or if you are a limited company – or if you are anything in between.

Who can apply?

Anyone who owns a business can apply for business finance, but you must remember that with some products, such as business loans, it may be difficult to get accepted in the current uncertain climate.

As a general rule, those businesses with the cleanest credit record have the best chance of getting accepted – and of getting the best rates.

What products are available within business finance?

There are a wide range of products available within business finance offered by numerous different banks and other financial organisations, including business current accounts, business credit cards and business loans.

Each product on offer in business finance has been designed with business in mind, and will help you to run your business operations more smoothly.

Why are we the best website for business finance products comparison?

If you’re looking for business finance products then you need look no further, as we compare hundreds of deals from different providers in one place to seek out the very best deal for you and your particular needs.

We offer a free and independent comparison tool, and also have access to exclusive deals on business finance products that you won’t be able to find anywhere else.

business templates

– Ability to add your logo

– Add all custom text to the card

– Change color of title title

– Change color of body text

– Replicate changes to the entire sheet

4 Free Printable Business Card Templates

Business templates

Business templates

Business templates

Business templates

Please be patient while downloading the Business Card Templates as the file sizes are large.

Business templates

Note: Remember that you can’t save changes when creating custom business cards in Adobe unless you have Acrobat Professional. So you will want to design and then print copies when complete.

Business templates

Finally, the last step to create your business card! Now that you are completed your custom designing, you need to print these cards. When printing these templates, make sure that you set the Page Scaling to NONE in your printer options.. If your printer changes the measurements of the business cards during this step, they will not be the proper size.

These business card templates are free of any charge and of course you aren’t required to link to our website, but it is a way to thank us for this free service. A link would be appreciated if you have a blog or website. Click here for link instructions. If you don’t have a website to add us too, just remember to bookmark our website and maybe refer a friend.

free online business

Pays Directly To Your Merchant Account

Sell Physical Products and Digital Products

Collect Monthly Subscriptions

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Provide Promotional Tools To Your Affiliates

Free online business

Sell Your Products Online Today. Get Website Traffic Forever.

Free online business

Free online business

Sell your products and services through our online marketplace, and let PayDotCom take care of the rest. All while getting paid instantly to your PayPal account. Get an army of affiliates selling your product and getting you massive website traffic.

No Waiting 30 Days to Get Paid: With our patent pending service, you can now get paid instantly to your favorite payment processor like PayPal account.

Promote products in our marketplace and earn commissions as a PayDotCom affiliate. Our members area will allow you to track stats such as clicks, sales, and conversions.

Earn Sales Commissions from 5% to 80% by linking customers to your favorite choice of products and services in the PayDotCom marketplace. Sign up free and start earning commissions today!

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I gotta tell you when I was planning my million dollar launch I new I needed a payment solution that was Reliable, Risk-free and Robust. There was no real doubt in my mind that PayDotCom would over deliver for me yet again.

I’ve now made over $2 Million through PayDotCom and and totally blown away by the easiness that it all happens. Affiliates get paid, everything gets tracked, my customers get their stuff and everything works as it should. And the best part is I can be up and running in minutes and also reach out to a huge army of proven profit-pulling affiliates.

To find a service like this I would have searched the ends of the earth and paid a small fortune so it’s been my own personal secret that is now leaking out and I just hope you guys keep your prices so ridiculously low (I seriously thought it was a typo error when I saw the tiny fee amount I had to pay on a $1million launch.

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Free Business Card Templates

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Business templates

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Find out if your business needs a trade licence

Business licence

Legislation requires that certain types of businesses be in possession of a valid business or trade license. This can include businesses like a restaurant, coffee shop, a tavern or a health and wellness spa.

Because a trade license is not a requirement for every new business, it can be easy to fall on the wrong side of the law even before you start seeing profits.

Below we answer some of the most frequently asked questions about trade licenses and how they can impact your SME.

What is a business license?

A business license allows you to establish a particular business in a specified area. The license also ensures that your business and the business premises meet all of the building regulations, public safety and health requirements. Trading without a valid license is a punishable offense.

Which businesses need trade licenses?

Most new businesses will not require a business license, but there are certain types of businesses that may not trade without a proper trade license, according to the Business Act 71 of 1991 that governs it. These include:

– Health clinics, spas, saunas, and public baths

– Massage parlors, laser and ultraviolet treatment centres

– Any business with three or more vending or slot machines

– Places that serve food, provide take-aways or transport meals

See also: Licensing and permit requirements for the food service industry

What is the application process?

Applications need to be completed and submitted to the relevant licensing department.

The application needs to include the following: copies of company papers, member s identity documents, manager s identity document, as well as the payment of once-off fees.

How is the success of the application determined?

Once you ve submitted your application, the licensing department sends a report to the other municipal departments involved in the process. The application needs to comply with all relevant laws including:

– Health and Safety – Applicable to the requirements for food premises and the transport of food

– Noise and air pollution – Applicable to the control and prevention of noise and air pollution

– Building Control Unit Applicable to building control in compliance with the National Building Regulations and Building Standards Act, 1977

– Urban Planning Unit Applicable to land use rights

– Public Safety and Emergency Services Applicable to public safety.

How long is the trade license valid?

A trade license or application is not transferable at change of ownership or from one premises to another. A trade license can be withdrawn or suspended if not complying to endorsements. Once the trading license has been granted, your premises may be inspected from time to time.

Tips from Standard Bank Bizconnect on how to apply for a business license

1. Know who you are dealing with. Depending on the location of your business, you will either be dealing with a metropolitan council, a local town municipality or an area district council. Either way, you will be dealing with the licensing office or licensing department in that municipality or council.

2. Get you facts right. Before joining any queues, first call your local council to confirm whether or not you need a business or trade license, and where you can obtain the necessary information and application forms.

3. Check for additional requirements. Also find out whether or not your business will require any additional permits or certificates.

4. Know your by-laws. Business or trade license requirements are governed by the National Business Act and apply throughout the country, whereas permits and certificates are generally issued in terms of local authority by-laws. These by-laws tend to differ from municipality to municipality.

5. Get proof. Make sure that the licensing department issues you with proof of application and payment of fees before you leave their offices.

business quotes

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Business quotes

Markets Live: ASX clings to 6000

Shares ended the week on a sour note but remained comfortably above the 6000-point threshold reached on Tuesday to hover around post-GFC highs.

Business quotes

Miners, energy stocks weigh on ASX

The local sharemarket ended the week on a sour note but remained comfortably above the 6000-point threshold reached on Tuesday to hover around post-GFC highs.

Business quotes

Hasty rate hikes could trigger housing crash, UBS warns

As property prices come off, but wages fail to grow, people are much more sensitive to interest rate hikes, says UBS.

Business quotes

Why Bitcoin’s bubble might not burst just yet


With a rise in value from $US6000 to $US7000 in a mere 13 days, experts predict its ascent can’t last – but are they right?

Business quotes

[email protected]: ASX set to finish week on dour note

  • Sponsored

The local sharemarket is tipped to open sharply lower as global markets retreated.

Business quotes

Why the ‘Trump trade’ is not all about him, one year on

Despite the US president’s claims, there’s much more to the so-called ‘Trump trade’ than The Donald himself.

Business quotes

Banks, miners spearhead ASX push beyond 6000

Shares extended this week’s push through the 6000 level on Thursday, with miners and banks leading the advance.

Business quotes

ASX-listed daigou business surges 25pc

Investors have poured into Australia’s only listed daigou business, boosting the share price more than 25 per cent this week.

Business quotes

[email protected]: ASX to open higher on Trump Day

  • Sponsored

One year on from Donald Trump’s election victory, you could say it has been a perfect year for markets.

Business quotes

Bitcoin surges 11% to new high after software upgrade cancelled

Bitcoin jumped as much as 11 per cent to $US7,882 after the main architects behind an upgrade to its underlying technology cancelled their controversial plans.

Business quotes

CBA helps ASX hold above 6000

Shares on Wednesday managed to cling to sharp gains made in the previous session where the benchmark managed to cross the key 6000 level.

Business quotes

Bitcoin to consolidate at $US8000 a coin: Goldman Sachs

Technical analysis of the unorthodox Bitcoin market have led Goldman Sachs to believe the major cryptocurrency is set to consolidate at $US8,000 a coin.

The 8 Best Business Laptops to Buy in 2017

There are a few considerations to keep in mind when choosing a laptop that will be used for professional purposes, whether you are an accountant or artisan. Business laptops are specifically constructed to be sturdy, lightweight and performance-efficient at all times. But to find out which laptop might best suit your business needs, read our top eight picks below.

Business laptops

For most traditional office and boardroom applications, the clear winner for 2017 is the Lenovo ThinkPad T460. This model, while not as light as some others on our list, offers superior performance, long-lasting battery life (up to 13 hours) and effortless ease of use.

The ThinkPad weighs just 3.8 pounds, although at .83 inches thick it is not the thinnest laptop available. The 14” x 9” screen is generous enough to offer a nice, clear picture (with a resolution of 1920 x 1080) while being small enough to take on-the-go. The smart case also has 180-degree tilt motion for comfort and flexibility.

The deluxe physical features of the T460 include a comfortable, spill-proof keyboard, a red trackpoint between the g and h keys to aid in navigation and a highly accurate touchpad. This Lenovo model is loaded with useful connectivity. Available ports include USB, 3.5 mm sound jack, SD reader, Ethernet, HDMI out, and more.

Multiple versions of the T460 are available including powerful i7 versions with 16 GB of RAM, but a good value proposition is the T460 that comes with an Intel Core i5-6300U processor, 256 GB SSD and 8 GM of RAM. This gives it lots of performance power and plenty of storage space. Virtually all applications work quickly and efficiently on this computer, particularly those with low demands on the graphics card such as Microsoft Office.

The ThinkPad T460 offers premium security options useful in a business setting, including an Intel vPro-capable CPU, Trusted Platform Module (TPM), security features required by enterprise IT departments and even a fingerprint reader, making it a prime choice for enhanced business security.

On the downside, this laptop is not an ideal choice for those who need high quality sound or discrete video cards, such as 3D graphics artists or avid game players. The screen is clear, but the on-board graphics will struggle with 3D applications. Similarly, the speakers, which are bottom-front located, are capable of a fair degree of loudness, but distortion can occur at higher levels.

Small business crm

Small business crm

Best Small Business CRM Software 2017: Insightly vs Zoho vs Salesforce

CRM software gives your sales team the organizational tools and brainpower to close more deals more efficiently. We looked at the most popular options and rising stars and decided to review Insightly, Zoho, and Salesforce. These companies cover the range of options for small businesses in terms of price, features and integrations.

Best CRM Software for Small Business Owners: Insightly

We recommend Insightly as the best CRM for small business owners because it’s the system your team is most likely to actually use and embrace thanks to its intuitive menus, fast-loading design, and advanced features that focus on quality over quantity. It’s also the system we use here at Fit Small Business.

Insightly vs Zoho vs Salesforce Summary

10am – 6pm EST, Mon-Fri

24 hours, Mon-Fri

(24/ 7 available for extra)

Strong easy-to-use sales and project management.

Manage leads, sales projects. Great reporting.

Highly customizable CRM and phone integration.

Highly customizable with lots of custom fields workflow “triggers.”

Integrate lots of different software into your sales process.

Massive collection of add-ons integrations.

Why We Chose Insightly as the Best CRM for Small Business Owners

We recommend Insightly because it’s the system your sales team is most likely to actually use and embrace. While a CRM promises extra efficiency, the first hurdle is getting your team to adopt it. By providing intuitive menus, quick loading times, and simple admin tools, I found Insightly to be the easiest system to learn, use and manage.

Like Zoho and Salesforce, Insightly also has advanced features once you’re ready for them. Custom fields on contacts or opportunities allow you to track the extra tidbits your business needs, like type of business or customer’s birthday. Webform email integration allow for lightning-fast outreach: Get an alert when a new lead comes in, and immediately fire-off an email using one of your pre-saved templates. Insightly’s custom reporting engine allows you to generate reports using any metric in the system: whether it’s the amount of revenue in your pipeline, the number of open tasks by employee, and so on.

All these features come at a very low price: $12/user/month. Most systems charge at least $30-$50+ for this functionality, or as high as $75, like Salesforce. While Zoho has a similarly-priced edition, it’s not quite as easy to setup and use.

Insightly also provides some of its own unique features, including native project management. While this can be added to both Zoho and Salesforce at an additional cost, Insightly includes project management for free. Like their other tools, it’s simple but highly effective; it’s the system we use to manage our articles and internal projects at Fit Small Business.

If there’s any downside to Insightly, it’s the lack of features for larger teams (20+ employees). There’s no hierarchical territory management, which can be helpful for organizing larger sales teams, nor are there quotes, invoices and purchase orders, which are provided by Zoho and Salesforce. There’s also a much smaller range of integrations compared Salesforce. They do, however, support many key programs, including Gmail, Outlook, Mailchimp, Xero, Quickbooks Online and Wufoo.

Best CRM For Customization: Zoho

If you want a greater range of sales and marketing tools, like quotes, purchase orders and website visitor tracking, or if you want to have greater control over the layout and data in your system, then Zoho CRM is your best option.

Zoho is a very close runner-up to Insightly. It’s also extremely cost-effective (starting at $12/user/month) and easy-to-use with a simple and fast-loading interface. The main difference is that Zoho packs in extra features and customization tools, which become available at their $20/month edition and higher.

Most notably, Zoho has robust automation tools that allow a slicker sales experience: You can auto-assign leads to different sales teams depending on the their location. You can setup alerts for managers when a sale reaches the final stage, or surpasses a certain dollar value. For suppliers or retailers, you could automatically send customers a followup email 1 week after delivery. This puts it in the same class as Salesforce, though at a fraction of the cost.

Insightly recently unveiled many of these tools (known as workflow automation and lead assignment rules) but you need a Professional account or higher to access them ($50+). With Salesforce, it will cost you $150/user/month. Zoho, by contrast, makes them available on their free edition, gradually adding functionality with each tier.

So, if Zoho has all these advantages, why do we recommend Insightly? It all comes down to the setup and administration. Insightly is much easier to setup on your own, and should you need to make any changes— say, to create a new workflow — you or any employee can easily hop in to make the change.

Zoho requires a bit more expertise and training, which isn’t going to be worth it if you’re just looking to use the sales CRM features. I recommend that you the Zoho alternatives article to learn more about simple to use and powerful alternatives. However, if you need the extra customization and automation, then Zoho is well worth the effort.

Best CRM For Integrations: Salesforce

If you use a lot of different programs during your sales process, like digital signatures, quoting, proposals, invoices, etc. — Salesforce gives you a way to combine them into one system.

Like Zoho, Salesforce is a highly advanced, customizable CRM. Where Salesforce takes the lead, however, is with their integrations. For one, the AppExchange has over 3,000 different programs you can integrate with Salesforce. Secondly, you can integrate many apps in a far more robust way, like using programs directly within Salesforce, and working tasks like e-signing contracts into your workflows.

The downside to Salesforce is its high price tag ($150/user per month if you want the real deal). It also takes a lot of work to administer. There’s a huge array of backend tools that will require training to understand and use. Unlike Insightly, which any business owner should be able to set up themselves, Salesforce will likely require an outside expert to setup and administrate their system.

Detailed Comparison


Most CRM pricing is subscription-based, typically purchased for 1 year at a time. Each company has a range of editions, varying in their features and amount of storage.

Both Insightly and Zoho are the most affordable options, starting at $12/user/month. They both also offer free editions with limited storage/features. Salesforce is significantly more expensive, starting at $75/user/month for their full CRM package (although they have the very basic SalesforceIQ at a lower price).

Below we’ll briefly compare each company, then dive into their full pricing information:


These nouns apply to forms of activity that have the objective of supplying products or services for a fee. Business pertains broadly to commercial, financial, and industrial activity, and more narrowly to specific fields or firms engaging in this activity: a company that does business over the internet; went into the software consulting business; owns a dry-cleaning business. Industry entails the production and manufacture of goods or commodities, especially on a large scale: the computer industry. Commerce and trade refer to the exchange and distribution of goods or commodities: laws regulating interstate commerce; involved in the domestic fur trade. Traffic pertains in particular to businesses engaged in the transportation of goods or passengers: renovated the docks to attract shipping traffic. The word may also suggest illegal trade: discovered a brisk traffic in stolen goods.

busi ness


  1. As oxygen is the disintegrating principle of life, working night and day to dissolve, separate, pull apart and dissipate, so there is something in business that continually tends to scatter, destroy and shift possession from this man to that. A million mice nibble eternally at every business venture Elbert Hubbard
  2. Business is like a man rowing a boat upstream. He has no choice; he must go ahead or he will go back Lewis E. Pierson
  3. Business is like oil. It won t mix with anything but business J. Grahame
  4. Business is very much like religion: it is founded on faith William McFee
  5. Business policy flows downhill from the mountain, like water Anon
  6. A business without customers is like a computer without bytes Anon

As the entries that follow show, this concept lends itself to many additional twists.

Playwrights Ernst and Lindley wrote this simile to be spoken by a judge in their 1930 s play Hold Your Tongue.

The first two words are transposed from Computer companies to generalize the comparison.


Business is the work of making, buying, and selling goods or services.

When you use business in this sense, don’t say ‘a business’. Don’t say, for example, ‘ We’ve got a business to do ‘. You say ‘We’ve got some business to do’.

You can talk about a particular area of business using the followed by a noun followed by business.

A business is a company, shop, or organization that makes and sells goods or provides a service.