#short term business loans

#

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Where to Find Smart Short-Term Business Loans

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Short-term business loans can get you the funds you need to overcome cash flow gaps, handle emergencies and unexpected expenses or finance a small expansion.

These loans and lines of credit typically come in amounts from $5,000 to $250,000, carry short repayment terms of a few months to several years, have looser qualifications than long-term loans and provide cash quickly.

Because short-term business loans generally have high borrowing costs, the smartest approach is to choose financing with the lowest annual percentage rate you can qualify for. Lines of credit are more flexible and generally have shorter repayment periods, while loans tend to offer a longer term.

Repaying a short-term business loan on time can help you qualify for a long-term business loan in the future. Long-term loans typically come in amounts from $250,000 to $1 million or more, are less expensive and have a repayment period of five to 15 years or longer, making them better suited to a real estate purchase, business acquisition or debt refinancing.

Short-term lines of credit: Kabbage and Dealstruck

With Kabbage’s line of credit, you borrow only the money you need and pay fees just on the money you borrow. That flexibility makes it a better option for managing cash flow than for a larger expense such as an expansion. You repay each draw on the line of credit over six or 12 months.

It’s also fairly easy to qualify (take a look at minimum qualifications below) and a good option for borrowers with bad credit. Although Kabbage does check your credit scores, it doesn’t weigh them as heavily as other factors, such as your average monthly revenue.

The pitfalls of short-term business loans

Of course, there are a few disadvantages to short-term business loans that small-business owners should keep in mind:

Higher cost: They typically carry a higher APR — the total annual cost of borrowing, including all fees and interest — than long-term loans. That’s due to their shorter repayment period, faster funding, looser qualifications (lower credit score and revenue requirements) and the fact that many are unsecured business loans. which don’t require collateral.

More frequent repayments: Lenders may require you to make loan payments daily or weekly as opposed to monthly. Although these payments are smaller, they can be an issue for businesses that have uneven sales or those that don’t always hold much cash in a bank account. You’ll have to make sure you have enough money in your account to make the payments at all times, or you’ll risk incurring fees or defaulting on the loan.

Risk of debt trap: The speed and ease of short-term business loans can become addictive. Instead of repaying the debt in full, business owners may be enticed to refinance and roll over the debt into a new loan. But this can result in a debt trap: continual refinancing just to keep up with payments. This is a common issue with merchant cash advances. a costly form of short-term financing that can carry an APR over 300%. If you have several high-interest small-business loans, business debt consolidation may be the solution you need.

Find and compare the best small-business loans

NerdWallet has created a comparison tool of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

This article was updated June 21, 2016. It was originally published Jan. 12, 2016.

To get more information about funding options and compare them for your small business, visit NerdWallet’s small-business loans tool. For free, personalized answers to questions about financing your business, visit the Small Business section of NerdWallet’s Ask an Advisor page.

You may also like

Lender reviews

See how different lenders stack up in NerdWallet’s expert reviews

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

2016 NerdWallet, Inc. All Rights Reserved

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .



#start up business loans

#

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Where to Find Startup Business Loans 2016

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Money is a big worry when you’re starting a small business.

Established companies have a wider range of business loan options with the growth of alternative lending. But startups face higher hurdles to funding. So we’ve rounded up half a dozen financing options for new entrepreneurs to help you get your business underway:

1. Microloans and loans from nonprofits

Microlenders and nonprofit lenders are two good financing options, especially if you have shaky finances. Generally, you’ll get solid loan terms from these lenders, making it possible for you to grow your business and establish better credit.

Many microlenders and nonprofit lenders are also focused on helping minority or traditionally disadvantaged small-business owners, as well as small businesses in communities that are struggling economically. And these organizations are willing to work with aspiring entrepreneurs with poor credit.

The U.S. Small Business Administration also has a microloan program that offers loans of up to $50,000 to small businesses and some not-for-profit childcare centers. The average SBA microloan is about $13,000. Here is a list of providers .

The downside of the microloan is the “micro” part: Funding may not be sufficient for all borrowers.

[back to the top]

2. Friends and family

Perhaps the most common way of financing a new small business is to borrow money from friends or family. Of course, if your credit is bad — and your family and friends know it — you ll have to persuade would-be lenders that you’ll be able to pay them back.

In these situations, the potential cost of failure is not just financial but also personal.

“Business is personal regardless of what people say,” David Nilssen, CEO of small-business financing company Guidant Financial, tells NerdWallet. “For most people, it’d be difficult to separate the two.”

Trim your list of friends and family to just those who understand your plans, and do your best to make certain they are comfortable with the risks involved.

[back to the top]

3. Credit cards

Many small-business owners use a credit card to start a small business. If your credit isn’t stellar, your choices may be limited to secured credit cards. which typically have higher fees than regular credit cards.

It’s important to remember, however, that credit cards are an expensive way of financing a small business, particularly if you have bad credit. That’s because card issuers determine annual percentage rates based largely on your personal credit score. Also, research has shown that small businesses that rely too heavily on credit card financing typically fail.

SHOP SMART FOR THE BEST CREDIT CARDS

4. Personal loans

Many new small-business owners also access financing through personal loans, especially through a growing number of online lenders. But like credit cards, personal loans usually have high APRs, especially for bad credit borrowers.

For example, you could get a personal loan that could be used for starting a business from companies such as Peerform and Vouch. Both lenders have a minimum credit score requirement of 600, but their loans have APRs as high as 30%.

Nilssen says small-business owners should consider personal loans “an option of last resort.”

“Where they can work,” he says, “is when a business just needs a small amount of money for things like early-stage production or buying equipment.”

[back to the top]

5. Crowdfunding

Crowdfunding has become a popular method of raising funds to start a small business, thanks to such sites as Kickstarter and Indiegogo, which let you launch online campaigns to solicit funds. Instead of paying back your donors, you give them gifts, which is why this system is also called rewards crowdfunding.

New avenues are also opening up for equity crowdfunding, in which you tap a public pool of investors who agree to finance your small business in exchange for equity ownership. This became an even broader option recently with new securities regulations that allowed small-business owners to reach out to mom-and-pop investors, not just accredited investors.

Crowdfunding is good for the entrepreneur “who has a product and wants to test the market and validate the opportunity,” Nilssen says. “No credit necessary.”

[back to the top]

6. Grants

Grants from private foundations and government agencies are also a way to raise startup funds for your small business. They’re not always easy to get, but free capital may be worth the hard work for some new businesses.

Startup business loans: Compare your options

You may also like

Lender reviews

See how different lenders stack up in NerdWallet’s expert reviews

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

2016 NerdWallet, Inc. All Rights Reserved

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .



#

  • Sales Department
  • Monday 9:00 am – 9:00 pm
  • Tuesday 9:00 am – 9:00 pm
  • Wednesday 9:00 am – 9:00 pm
  • Thursday 9:00 am – 9:00 pm
  • Friday 9:00 am – 9:00 pm
  • Saturday 9:00 am – 7:00 pm
  • Sunday Closed
  • Service & Parts Department
  • Monday 7:30 am – 6:00 pm
  • Tuesday 7:30 am – 6:00 pm
  • Wednesday 7:30 am – 6:00 pm
  • Thursday 7:30 am – 8:00 pm
  • Friday 7:30 am – 6:00 pm
  • Saturday 7:30 am – 5:00 pm
  • Sunday Closed
  • Rental Department
  • Monday 7:30 am – 5:00 pm
  • Tuesday 7:30 am – 5:00 pm
  • Wednesday 7:30 am – 5:00 pm
  • Thursday 7:30 am – 5:00 pm
  • Friday 7:30 am – 5:00 pm
  • Saturday 7:30 am – 5:00 pm
  • Sunday Closed

Windsor Nissan located in East Windsor, NJ, near Trenton, NJ.

Visit Windsor Nissan in East Windsor, NJ for the 2016 or 2017 Nissan.

Windsor Nissan carries the following new Nissan models:

We Are Your East Windsor, NJ New and Certified Pre-owned Nissan Dealership near Trenton, Cherry Hill, Dayton, East Brunswick, Eatontown, Edison, Englishtown, Freehold, Jackson, Keyport, Lawrence Township, Levittown, Monmouth Junction, New York, Philadelphia, Plainsboro, Princeton Junction, Staten Island, Toms River, Hamilton, West Windsor.

Are you wondering, where is Windsor Nissan or what is the closest Nissan dealer near me? Windsor Nissan is located at 590 US-130, East Windsor, NJ 08520. You can call our Sales Department at. Service Department at 800-893-2192, or our Parts Department at 800-893-2192. Although Windsor Nissan in East Windsor, New Jersey is not open 24 hours a day, seven days a week – our website is always open. On our website, you can research and view photos of the new Nissan models such as the 370Z, Altima, Armada, Frontier, GT-R, Juke, LEAF, Maxima, Micra, Murano, NV Cargo, NV Passenger, NV200, Pathfinder, Qashqai, Quest, Rogue, Rogue Hybrid, Rogue Sport, Sentra, Titan, Titan XD, Versa or Versa Note that you would like to purchase or lease. You can also search our entire inventory of new and used vehicles, value your trade-in, and visit our Meet the Staff page to familiarize yourself with our staff who are committed to making your visit to Windsor Nissan a great experience every time.

New Nissan Models for Sale at Windsor Nissan

Looking for a new 2016 or 2017 Nissan? Look no further than Windsor Nissan in East Windsor, New Jersey. We offer a full lineup of new Nissan vehicles. Our knowledgeable Windsor Nissan new car dealer staff is dedicated and will work with you to put you behind the wheel of the Nissan vehicle you want, at an affordable price. Feel free to browse our online inventory, request more information about our vehicles, or set up a test drive with a sales associate.

Used Cars, Trucks, and SUVs for Sale at Windsor Nissan

As a leading Nissan dealer near Trenton, Windsor Nissan also has a wide variety of pre-owned cars, trucks, and SUVs for you to choose from. Each of our used vehicles has undergone a rigorous inspection to ensure the highest quality used cars, trucks, and SUVs in New Jersey. Stop by Windsor Nissan or search our online inventory to find the used car, truck, or SUV that is right for you. We have used cars, trucks, and SUVs for every need and budget. Our expert staff will work to get you in the vehicle you want for an affordable price.

Auto Finance, Loans, Leasing, and Pre-approvals

Visit our Windsor Nissan finance page to get pre-approved today! The staff within our Finance Department is dedicated to putting you in the car you want, at a price you can afford. We also offer competitive auto leasing options for our customers who are not looking to purchase or finance a vehicle. Whether you are looking to finance or lease your new Nissan car, truck, or SUV, our finance experts will work to arrange affordable payments for our customers.

Auto Body Repair, Service, Parts, and Accessories

Our state-of-the-art Service Department here at Windsor Nissan will keep your new Nissan vehicle or used car in excellent condition. The diagnostic equipment operated by our expert mechanics will detect any issues that may be occurring in your vehicle so that our Nissan trained service technicians can fix the problem right the first time. We offer all the auto services, maintenance, and parts you need to keep your vehicle running like new, even if all you need is an oil change. Visit our Service Department page to schedule a service appointment, or our Parts Department page to order parts for your new Nissan, or for more information about any of the services offered by Windsor Nissan.

2017 Windsor Nissan. All Rights Reserved.



#

  • Sales Department
  • Monday 9:00 am – 8:00 pm
  • Tuesday 9:00 am – 8:00 pm
  • Wednesday 9:00 am – 8:00 pm
  • Thursday 9:00 am – 8:00 pm
  • Friday 9:00 am – 8:00 pm
  • Saturday 9:00 am – 6:00 pm
  • Sunday Closed
  • Parts Department
  • Monday 7:00 am – 6:00 pm
  • Tuesday 7:00 am – 6:00 pm
  • Wednesday 7:00 am – 6:00 pm
  • Thursday 7:00 am – 6:00 pm
  • Friday 7:00 am – 5:00 pm
  • Saturday 7:00 am – 3:00 pm
  • Sunday Closed
  • Service Department
  • Monday 7:00 am – 6:00 pm
  • Tuesday 7:00 am – 6:00 pm
  • Wednesday 7:00 am – 6:00 pm
  • Thursday 7:00 am – 6:00 pm
  • Friday 7:00 am – 5:00 pm
  • Saturday 7:00 am – 3:00 pm
  • Sunday Closed

Thomas Nissan located in Joliet, IL, near Crest Hill, IL.

Visit Thomas Nissan in Joliet, IL for the 2016 or 2017 Nissan.

Thomas Nissan carries the following new Nissan models:

We Are Your Joliet, IL New and Certified Pre-owned Nissan Dealership near Crest Hill, Channahon, Lemont, Lockport, New Lenox, Orland Park, Homer Glen, Woodridge, Plainfield, Bolingbrook, Shorewood, Elwood, Romeoville, Minooka, Naperville, Aurora.

Are you wondering, where is Thomas Nissan or what is the closest Nissan dealer near me? Thomas Nissan is located at 1427 North Larkin Avenue, Joliet, IL 60435. You can call our Sales Department at 815-741-5353, Service Department at (815) 741-5353, or our Parts Department at (815) 741-5353. Although Thomas Nissan in Joliet, Illinois is not open 24 hours a day, seven days a week – our website is always open. On our website, you can research and view photos of the new Nissan models such as the 370Z, Altima, Armada, Frontier, GT-R, Juke, LEAF, Maxima, Micra, Murano, NV Cargo, NV Passenger, NV200, Pathfinder, Qashqai, Quest, Rogue, Rogue Hybrid, Rogue Sport, Sentra, Titan, Titan XD, Versa or Versa Note that you would like to purchase or lease. You can also search our entire inventory of new and used vehicles, value your trade-in, and visit our Meet the Staff page to familiarize yourself with our staff who are committed to making your visit to Thomas Nissan a great experience every time.

New Nissan Models for Sale at Thomas Nissan

Looking for a new 2016 or 2017 Nissan? Look no further than Thomas Nissan in Joliet, Illinois. We offer a full lineup of new Nissan vehicles. Our knowledgeable Thomas Nissan new car dealer staff is dedicated and will work with you to put you behind the wheel of the Nissan vehicle you want, at an affordable price. Feel free to browse our online inventory, request more information about our vehicles, or set up a test drive with a sales associate.

Used Cars, Trucks, and SUVs for Sale at Thomas Nissan

As a leading Nissan dealer near Crest Hill, Thomas Nissan also has a wide variety of pre-owned cars, trucks, and SUVs for you to choose from. Each of our used vehicles has undergone a rigorous inspection to ensure the highest quality used cars, trucks, and SUVs in Illinois. Stop by Thomas Nissan or search our online inventory to find the used car, truck, or SUV that is right for you. We have used cars, trucks, and SUVs for every need and budget. Our expert staff will work to get you in the vehicle you want for an affordable price.

Auto Finance, Loans, Leasing, and Pre-approvals

Visit our Thomas Nissan finance page to get pre-approved today! The staff within our Finance Department is dedicated to putting you in the car you want, at a price you can afford. We also offer competitive auto leasing options for our customers who are not looking to purchase or finance a vehicle. Whether you are looking to finance or lease your new Nissan car, truck, or SUV, our finance experts will work to arrange affordable payments for our customers.

Auto Body Repair, Service, Parts, and Accessories

Our state-of-the-art Service Department here at Thomas Nissan will keep your new Nissan vehicle or used car in excellent condition. The diagnostic equipment operated by our expert mechanics will detect any issues that may be occurring in your vehicle so that our Nissan trained service technicians can fix the problem right the first time. We offer all the auto services, maintenance, and parts you need to keep your vehicle running like new, even if all you need is an oil change. Visit our Service Department page to schedule a service appointment, or our Parts Department page to order parts for your new Nissan, or for more information about any of the services offered by Thomas Nissan.

2017 Thomas Nissan. All Rights Reserved.



#

Roth IRA and Traditional IRA | Retiring | HSBC

What is an IRA (individual retirement account)?

An Individual Retirement Account (IRA) is a tax advantaged retirement account that you own and control. Earnings generated can compound on a tax deferred basis until withdrawal.

There are two types of IRAs: Traditional and Roth. Both types allow the same maximum annual contributions, based on your age. The maximum is reached when your combined contributions to all of your IRAs meets the limit. The two types of IRA differ in their qualifying criteria, withdrawal restrictions, and tax implications.

  • Traditional IRAs offer potential for tax-deductible contributions depending on your income level, participation in a workplace retirement plan, and marital status. Otherwise, contributions may be made post tax.
  • Roth IRAs do not permit tax-deductible contributions. However, contributions with post-tax dollars can be withdrawn tax-free. If you are not eligible for tax-deductible contributions to a Traditional IRA due to a higher income, you may be eligible for a Roth IRA.

Compare Roth and Traditional IRAs side by side

Use the chart below to easily compare the features and qualifications of the two types of IRAs:

You must be under age 70 in the year the contribution is made

No income restrictions

Generally, you can contribute to a Roth IRA if you have taxable compensation based on IRS set Modified AGI guidelines which can be viewed here under the Roth IRA contribution limit header.

Maximum Annual Contribution

Married filing jointly: $11,000 (up to $5,500 each)

Married filing jointly: $11,000 (up to $5,500 each)

Catch up contribution

If you are age 50 or older in the year of contribution, eligible IRA holders can make an additional contribution of $1,000

If you are age 50 or older in the year of contribution, eligible IRA holders can make an additional contribution of $1,000

Tax Implications: Contributions

May be tax deductible based on IRS guidelines which can be viewed here under the Claiming a tax deduction for your IRA contribution header.

Contributions are not tax deductible

Tax Implications: Earnings

Earnings are tax-deferred until withdrawn

Earnings are not subject to federal tax penalties if withdrawn after age 59 and held for 5 years

Earnings are tax-free if taken as part of a qualifying withdrawal

Tax Implications: Withdrawals

After age 59 ?>


#bad credit business loans

#

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Bad Credit? Where to Find Business Loans

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Bad credit is a red flag for lenders. It indicates you’ve either mismanaged your personal finances or fallen on hard times. Either way, lenders see you as higher risk — more likely to miss payments or default on a loan than a borrower with good credit.

Bad credit (defined by FICO as a score of 300 to 629) is one reason loan applications are rejected; the approval rate of business loans from big banks was just 23.3% as of June 2016, according to Biz2Credit. But alternative lenders provide options. They emphasize the strength and operating history of your business rather than your credit. Be sure to carefully compare all of your choices, weighing terms and annual percentage rate.

Here are some options:

Note: If you’re a startup less than a year old, it’ll be tough to find a loan, no matter your credit. Here are financing ideas to help you launch your company.

If your personal credit score is under 500

With a score below 500, your best bet is likely a lender with no minimum credit score. Many lenders require a minimum score to qualify, but Fundbox and Kabbage don’t. Both are good, although pricey, choices for bad-credit borrowers who need short-term working capital up to $100,000. Fundbox, however, is only for businesses with unpaid customer invoices. There’s no minimum revenue with Fundbox and no credit check. For Kabbage’s line of credit, you need least $50,000 in annual revenue and one year in business.

If your personal credit score is 500 or higher

With a personal credit score of at least 500 or 530, you could qualify for OnDeck or BlueVine. OnDeck is for businesses that have at least $100,000 in annual revenue and is better if you need cash for an expansion (such as purchasing equipment or making renovations). The lender reports payment activity to the three credit bureaus, so paying off your loan on time will help build your credit score. If your score is at least 530 and your business has unpaid customer invoices, consider BlueVine invoice factoring.

Good option for:

• Fast cash
• Inventory
• Expansion

• Fast cash
• Working capital
• Businesses with unpaid invoices

500+ credit score
• $100,000+ revenue
• No personal bankruptcies in past 2 years

530+ credit score
• Must have unpaid customer invoices
• $120,000+ annual revenue
• 3+ months in business

If your personal credit score is 600 or higher

Because your score is at least 600, you can turn to Dealstruck or StreetShares for financing. For larger amounts of funding and lower borrowing costs, consider Dealstruck, as it has term loans and lines of credit up to $500,000 with APRs from 10% to 28%. However, you’ll also need strong minimum annual revenue of $150,000 to qualify. If you have $25,000 or more in revenue, StreetShares is an option. Its loans max out at $100,000 with 9% to 40% APR.

Good option for:

• Expansion, inventory purchases
• Businesses with unpaid invoices

• Young businesses
• Veterans

600+ credit score
• $150,000+ annual revenue
• 1+ year in business

600+ credit score
• $25,000+ annual revenue
• 1+ year in business, unless you already have $100,000 revenue (drops to six months)



#

  • Sales Department
  • Monday 8:30 am – 6:00 pm
  • Tuesday 8:30 am – 6:00 pm
  • Wednesday 8:30 am – 6:00 pm
  • Thursday 8:30 am – 6:00 pm
  • Friday 8:30 am – 6:00 pm
  • Saturday 9:00 am – 5:00 pm
  • Sunday Closed
  • Service Department
  • Monday 8:00 am – 6:00 pm
  • Tuesday 8:00 am – 6:00 pm
  • Wednesday 8:00 am – 6:00 pm
  • Thursday 8:00 am – 6:00 pm
  • Friday 8:00 am – 6:00 pm
  • Saturday 9:00 am – 5:00 pm
  • Sunday Closed
  • Parts Department
  • Monday 8:00 am – 6:00 pm
  • Tuesday 8:00 am – 6:00 pm
  • Wednesday 8:00 am – 6:00 pm
  • Thursday 8:00 am – 6:00 pm
  • Friday 8:00 am – 6:00 pm
  • Saturday 9:00 am – 5:00 pm
  • Sunday Closed
  • Sales Department
  • Monday 7:00 am – 6:00 pm
  • Tuesday 7:00 am – 6:00 pm
  • Wednesday 7:00 am – 6:00 pm
  • Thursday 7:00 am – 6:00 pm
  • Friday 7:00 am – 6:00 pm
  • Saturday 9:00 am – 6:00 pm
  • Sunday Closed
  • Service Department
  • Monday 8:00 am – 6:00 pm
  • Tuesday 8:00 am – 6:00 pm
  • Wednesday 8:00 am – 6:00 pm
  • Thursday 8:00 am – 6:00 pm
  • Friday 8:00 am – 6:00 pm
  • Saturday 9:00 am – 5:00 pm
  • Sunday Closed
  • Parts Department
  • Monday 8:00 am – 6:00 pm
  • Tuesday 8:00 am – 6:00 pm
  • Wednesday 8:00 am – 6:00 pm
  • Thursday 8:00 am – 6:00 pm
  • Friday 8:00 am – 6:00 pm
  • Saturday 9:00 am – 5:00 pm
  • Sunday Closed

Welcome to Stone’s Toyota

Visit Stone’s Town and Country Motors in Rexburg, ID for the 2017 or 2018 Chrysler, Dodge, Jeep, Kia, Ram and Toyota.

Stone’s Town and Country Motors carries the following new Chrysler, Dodge, Jeep, Kia, Ram and Toyota models:

  • Chrysler 200
  • Chrysler 300
  • Chrysler Pacifica
  • Chrysler Pacifica Hybrid
  • Dodge Challenger
  • Dodge Charger
  • Dodge Durango
  • Dodge Grand Caravan
  • Dodge Journey
  • Dodge Viper
  • Jeep Cherokee
  • Jeep Compass
  • Jeep Grand Cherokee
  • Jeep Patriot
  • Jeep Renegade
  • Jeep Wrangler
  • Jeep Wrangler Unlimited
  • Kia Cadenza
  • Kia Forte
  • Kia Forte Koup
  • Kia Forte5
  • Kia K900
  • Kia Niro
  • Kia Optima
  • Kia Optima Hybrid
  • Kia Optima Plug-In Hybrid
  • Kia Rio
  • Kia Rio 5-Door
  • Kia Rio5
  • Kia Rondo
  • Kia Sedona
  • Kia Sorento
  • Kia Soul
  • Kia Soul EV
  • Kia Sportage
  • Ram 1500
  • Ram 2500
  • Ram 3500
  • Ram Chassis 3500
  • Ram ProMaster Cab Chassis
  • Ram ProMaster Cargo
  • Ram ProMaster City
  • Ram ProMaster City Cargo
  • Ram ProMaster City Wagon
  • Ram ProMaster Cutaway Chassis
  • Ram ProMaster Window
  • Toyota 4Runner
  • Toyota 86
  • Toyota Avalon
  • Toyota Avalon Hybrid
  • Toyota C-HR
  • Toyota Camry
  • Toyota Camry Hybrid
  • Toyota Corolla
  • Toyota Corolla iM
  • Toyota Highlander
  • Toyota Highlander Hybrid
  • Toyota Land Cruiser
  • Toyota Mirai
  • Toyota Prius
  • Toyota Prius c
  • Toyota Prius Prime
  • Toyota Prius v
  • Toyota RAV4
  • Toyota RAV4 Hybrid
  • Toyota Sequoia
  • Toyota Sienna
  • Toyota Tacoma
  • Toyota Tundra
  • Toyota Yaris
  • Toyota Yaris iA

We Are Your Rexburg, ID New and Certified Pre-owned Chrysler, Dodge, Jeep, Kia, Ram and Toyota Dealership near Idaho Falls, Dubbois, Aberdeen, Pingree, Shelley, Blackfoot, Sugar City, Rigby, St Anthony.

Are you wondering, where is Stone’s Town and Country Motors or what is the closest Chrysler, Dodge, Jeep, Kia, Ram and Toyota dealer near me? Stone’s Town and Country Motors is located at 615 South Yellowstone Hwy, Rexburg, ID 83440. You can call our Sales Department at. Service Department at. or our Parts Department at. Although Stone’s Town and Country Motors in Rexburg, Idaho is not open 24 hours a day, seven days a week – our website is always open. On our website, you can research and view photos of the new Chrysler, Dodge, Jeep, Kia, Ram and Toyota models that you would like to purchase or lease. You can also search our entire inventory of new and used vehicles, value your trade-in, and visit our Meet the Staff page to familiarize yourself with our staff who are committed to making your visit to Stone’s Town and Country Motors a great experience every time.

New Chrysler, Dodge, Jeep, Kia, Ram and Toyota Models for Sale at Stone’s Town and Country Motors

Looking for a new 2017 or 2018 Chrysler, Dodge, Jeep, Kia, Ram and Toyota? Look no further than Stone’s Town and Country Motors in Rexburg, Idaho. We offer a full lineup of new Chrysler, Dodge, Jeep, Kia, Ram and Toyota vehicles. Our knowledgeable Stone’s Town and Country Motors new car dealer staff is dedicated and will work with you to put you behind the wheel of the Chrysler, Dodge, Jeep, Kia, Ram and Toyota vehicle you want, at an affordable price. Feel free to browse our online inventory, request more information about our vehicles, or set up a test drive with a sales associate.

Used Cars, Trucks, and SUVs for Sale at Stone’s Town and Country Motors

As a leading Chrysler, Dodge, Jeep, Kia, Ram and Toyota dealer near Idaho Falls, Stone’s Town and Country Motors also has a wide variety of pre-owned cars, trucks, and SUVs for you to choose from. Each of our used vehicles has undergone a rigorous inspection to ensure the highest quality used cars, trucks, and SUVs in Idaho. Stop by Stone’s Town and Country Motors or search our online inventory to find the used car, truck, or SUV that is right for you. We have used cars, trucks, and SUVs for every need and budget. Our expert staff will work to get you in the vehicle you want for an affordable price.

Auto Finance, Loans, Leasing, and Pre-approvals

Visit our Stone’s Town and Country Motors finance page to get pre-approved today! The staff within our Finance Department is dedicated to putting you in the car you want, at a price you can afford. We also offer competitive auto leasing options for our customers who are not looking to purchase or finance a vehicle. Whether you are looking to finance or lease your new Chrysler, Dodge, Jeep, Kia, Ram and Toyota car, truck, or SUV, our finance experts will work to arrange affordable payments for our customers.

Auto Body Repair, Service, Parts, and Accessories

Our state-of-the-art Service Department here at Stone’s Town and Country Motors will keep your new Chrysler, Dodge, Jeep, Kia, Ram and Toyota vehicle or used car in excellent condition. The diagnostic equipment operated by our expert mechanics will detect any issues that may be occurring in your vehicle so that our Chrysler, Dodge, Jeep, Kia, Ram and Toyota trained service technicians can fix the problem right the first time. We offer all the auto services, maintenance, and parts you need to keep your vehicle running like new, even if all you need is an oil change. Visit our Service Department page to schedule a service appointment, or our Parts Department page to order parts for your new Chrysler, Dodge, Jeep, Kia, Ram and Toyota, or for more information about any of the services offered by Stone’s Town and Country Motors.

2017 Stone’s Town and Country Motors. All Rights Reserved.



#short term business loans

#

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Where to Find Smart Short-Term Business Loans

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Short-term business loans can get you the funds you need to overcome cash flow gaps, handle emergencies and unexpected expenses or finance a small expansion.

These loans and lines of credit typically come in amounts from $5,000 to $250,000, carry short repayment terms of a few months to several years, have looser qualifications than long-term loans and provide cash quickly.

Because short-term business loans generally have high borrowing costs, the smartest approach is to choose financing with the lowest annual percentage rate you can qualify for. Lines of credit are more flexible and generally have shorter repayment periods, while loans tend to offer a longer term.

Repaying a short-term business loan on time can help you qualify for a long-term business loan in the future. Long-term loans typically come in amounts from $250,000 to $1 million or more, are less expensive and have a repayment period of five to 15 years or longer, making them better suited to a real estate purchase, business acquisition or debt refinancing.

Short-term lines of credit: Kabbage and Dealstruck

With Kabbage’s line of credit, you borrow only the money you need and pay fees just on the money you borrow. That flexibility makes it a better option for managing cash flow than for a larger expense such as an expansion. You repay each draw on the line of credit over six or 12 months.

It’s also fairly easy to qualify (take a look at minimum qualifications below) and a good option for borrowers with bad credit. Although Kabbage does check your credit scores, it doesn’t weigh them as heavily as other factors, such as your average monthly revenue.

The pitfalls of short-term business loans

Of course, there are a few disadvantages to short-term business loans that small-business owners should keep in mind:

Higher cost: They typically carry a higher APR — the total annual cost of borrowing, including all fees and interest — than long-term loans. That’s due to their shorter repayment period, faster funding, looser qualifications (lower credit score and revenue requirements) and the fact that many are unsecured business loans. which don’t require collateral.

More frequent repayments: Lenders may require you to make loan payments daily or weekly as opposed to monthly. Although these payments are smaller, they can be an issue for businesses that have uneven sales or those that don’t always hold much cash in a bank account. You’ll have to make sure you have enough money in your account to make the payments at all times, or you’ll risk incurring fees or defaulting on the loan.

Risk of debt trap: The speed and ease of short-term business loans can become addictive. Instead of repaying the debt in full, business owners may be enticed to refinance and roll over the debt into a new loan. But this can result in a debt trap: continual refinancing just to keep up with payments. This is a common issue with merchant cash advances. a costly form of short-term financing that can carry an APR over 300%. If you have several high-interest small-business loans, business debt consolidation may be the solution you need.

Find and compare the best small-business loans

NerdWallet has created a comparison tool of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

This article was updated June 21, 2016. It was originally published Jan. 12, 2016.

To get more information about funding options and compare them for your small business, visit NerdWallet’s small-business loans tool. For free, personalized answers to questions about financing your business, visit the Small Business section of NerdWallet’s Ask an Advisor page.

You may also like

Lender reviews

See how different lenders stack up in NerdWallet’s expert reviews

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

2016 NerdWallet, Inc. All Rights Reserved

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .



#bad credit business loans

#

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Bad Credit? Where to Find Business Loans

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Bad credit is a red flag for lenders. It indicates you’ve either mismanaged your personal finances or fallen on hard times. Either way, lenders see you as higher risk — more likely to miss payments or default on a loan than a borrower with good credit.

Bad credit (defined by FICO as a score of 300 to 629) is one reason loan applications are rejected; the approval rate of business loans from big banks was just 23.3% as of June 2016, according to Biz2Credit. But alternative lenders provide options. They emphasize the strength and operating history of your business rather than your credit. Be sure to carefully compare all of your choices, weighing terms and annual percentage rate.

Here are some options:

Note: If you’re a startup less than a year old, it’ll be tough to find a loan, no matter your credit. Here are financing ideas to help you launch your company.

If your personal credit score is under 500

With a score below 500, your best bet is likely a lender with no minimum credit score. Many lenders require a minimum score to qualify, but Fundbox and Kabbage don’t. Both are good, although pricey, choices for bad-credit borrowers who need short-term working capital up to $100,000. Fundbox, however, is only for businesses with unpaid customer invoices. There’s no minimum revenue with Fundbox and no credit check. For Kabbage’s line of credit, you need least $50,000 in annual revenue and one year in business.

If your personal credit score is 500 or higher

With a personal credit score of at least 500 or 530, you could qualify for OnDeck or BlueVine. OnDeck is for businesses that have at least $100,000 in annual revenue and is better if you need cash for an expansion (such as purchasing equipment or making renovations). The lender reports payment activity to the three credit bureaus, so paying off your loan on time will help build your credit score. If your score is at least 530 and your business has unpaid customer invoices, consider BlueVine invoice factoring.

Good option for:

• Fast cash
• Inventory
• Expansion

• Fast cash
• Working capital
• Businesses with unpaid invoices

500+ credit score
• $100,000+ revenue
• No personal bankruptcies in past 2 years

530+ credit score
• Must have unpaid customer invoices
• $120,000+ annual revenue
• 3+ months in business

If your personal credit score is 600 or higher

Because your score is at least 600, you can turn to Dealstruck or StreetShares for financing. For larger amounts of funding and lower borrowing costs, consider Dealstruck, as it has term loans and lines of credit up to $500,000 with APRs from 10% to 28%. However, you’ll also need strong minimum annual revenue of $150,000 to qualify. If you have $25,000 or more in revenue, StreetShares is an option. Its loans max out at $100,000 with 9% to 40% APR.

Good option for:

• Expansion, inventory purchases
• Businesses with unpaid invoices

• Young businesses
• Veterans

600+ credit score
• $150,000+ annual revenue
• 1+ year in business

600+ credit score
• $25,000+ annual revenue
• 1+ year in business, unless you already have $100,000 revenue (drops to six months)



#

Rialto Beach road to reopen, astronomy sessions set as Olympic National Park marks birthday

You can help celebrate with a visit this Independence Day weekend. Here s the latest roundup of what s open in the park this summer and what s not. The top of the news: Access to the park s scenic Rialto Beach will reopen this weekend after six weeks of repair work to Mora Road.

It s also the season for ranger programs, plus special star-gazing astronomy sessions up high on Hurricane Ridge and full-moon hikes on Hurricane Hill.

Here s an area-by-area update provided by the park:

Most Read Stories

Kalaloch, Mora and Ozette are Olympic National Park’s road-accessible coastal destinations. Kalaloch and Ozette are open, including all roads, campgrounds and trailheads. Mora Campground is open. Mora Road has been closed for six weeks for flood damage repair work just beyond the campground with no access to Rialto Beach. The road is scheduled to reopen for the Fourth of July holiday weekend. This project restored the road to two lanes and addressed additional slope instabilities. Visitors should call the Road Weather Hotline at 360-565-3131 for current road conditions.

The Kalaloch and Mora campgrounds both provide drinking water and flush toilets. The Ozette Campground is primitive, with pit toilets, and drinking water is available now through mid-October. South Beach Campground, a primitive campground located just south of Kalaloch is open through September 25.

The Kalaloch Information Station is open daily through Sept. 30.

Kalaloch Lodge is open year-round with cabins, lodge rooms, dining, gift shop, and a small store. For more information, check www.thekalalochlodge.com .

The Staircase Campground is open with drinking water and flush toilets available through Sept. 30.

The Dosewallips Road remains closed due to a washout outside the park boundaries in Olympic National Forest, so access to the primitive campground is walk-in only (6.5 miles).

Deer Park Road and campground are open. The campground provides primitive camping, with pit toilets and no drinking water.

Hurricane Ridge Road and Heart O’ the Hills

The Hurricane Ridge Road is now open 24 hours a day, weather permitting. Visitors should call the Road Weather Hotline at 360-565-3131 for current road and weather conditions.

The Hurricane Hill Road is open.

Obstruction Point Road is now open for the first 3 miles to Waterhole. Park officials anticipate opening the remaining section of Obstruction Point Road by early July.

The Hurricane Ridge Visitor Center is staffed daily through Sept. 30. The Hurricane Ridge Gift Shop Snack Bar on the lower level of the Hurricane Ridge Visitor Center is open daily through October 15. Check www.olympicnationalparks.com for more information.

The Olympic National Park Visitor Center in Port Angeles is open daily except for Thanksgiving and Christmas. Summer hours of operation are from 8:30 a.m. to 5 p.m.

Heart O’ the Hills Campground is open year round with drinking water and flush toilets available.

The Olympic Hot Springs Road is open to the Glines Canyon Spillway Overlook. The remainder of the Olympic Hot Springs Road is closed to all access during work on the Boulder Creek Trail. This project involves the use of heavy equipment for the demolition and removal of the Crystal Creek bridge and installation of an alternate route and creek crossing at that location. For visitor and employee safety, there will be no access above the Glines Canyon Overlook on Olympic Hot Springs Road until later this summer.

The Whiskey Bend Road is open to the trailhead.

There are currently no campgrounds in the Elwha Valley. Campgrounds in the area were destroyed by flooding in recent years.

Lake Crescent Lodge is open for the season and will remain open through Jan. 2, 2018, offering a range of lodging options, a dining room, boat rentals and a gift shop.

Fairholme Campground is open through Oct. 2, with drinking water and flush toilets available. Fairholme Store will open daily May 26-Sept. 4.

Log Cabin Resort is open through Sept. 30 for lodging, RV and tent camping, a boat launch, dining room and store.

La Poel picnic area is open for day use.

The Sol Duc Road is generally open 24 hours a day, unless road work or weather conditions cause it to close temporarily.

The Sol Duc Campground is operated by Sol Duc Hot Springs Resort and is open for the season with flush toilets and drinking water available through Oct. 29. Reservations are accepted for up to 75 percent of the campsites, with the remainder available on a first-come, first-served basis. Reservations for the Sol Duc Campground can be made online at www.recreation.gov. After Oct. 29, Loop A of the campground will be open for primitive use when the road is open.

The Sol Duc Hot Springs Resort is open for the season with lodging, dining, hot spring pools and a small store. The resort will be open through Oct. 29.

The Hoh Rain Forest Road is generally open 24 hours a day, unless road work or weather conditions cause it to close temporarily. The Hoh Rain Forest Campground is open year round with drinking water and flush toilets available.

The Hoh Rain Forest Visitor Center is open daily through Sept. 30.

The Lower and Upper Queets roads are both open 24 hours a day, unless road work or weather conditions cause temporary closures. The Queets Campground is open for primitive camping with pit toilets and no drinking water.

Quinault Rain Forest

The Quinault Loop Road, which includes the Quinault North Shore and South Shore roads, is open. The North Fork Road is also open.

The six-mile Graves Creek Road is open. RVs and trailers are not permitted because of road conditions.

Quinault area roads are typically open 24 hours a day, unless temporarily closed by road work or weather conditions. The Graves Creek Campground and North Fork Campground are both open for primitive camping with pit toilets and no drinking water.

Park trails and Wilderness Information Center

The Olympic National Park Wilderness Information Center, located at the Olympic National Park Visitor Center in Port Angeles, is currently open 8 a.m.-5 p.m. Sunday-Thursday and 8 a.m.-6 p.m. Friday-Saturday. Visitors are encouraged to stop by or call the Wilderness Information Center at 360-565-3100 for current trail reports, summer hiking safety tips and trip-planning suggestions. Such information is also available at the park’s website .

Even at low elevations, hikers are reminded to use caution and be aware of downed trees, trail damage, high and swift creek crossings, and changing weather conditions.

Ranger programs and astronomy events

Summer ranger programs have started as well as the Astronomy/Night Sky Programs at Hurricane Ridge. The program schedule for all of the park is in the park newspaper on page 4: Summer Bugler 2017 .

For astronomy programs, meet Master Observer John Goar at Hurricane Ridge Visitor Center for a one-hour program with telescopes. Look for the rings of Saturn or a distant galaxy. Schedule: July 13-20 at 11 p.m.; July 21-July 26 at 10:30 p.m.; August 12-19 at 10 p.m.; August 22-26 at 9:30 p.m.

Full moon on Hurricane Hill

Learn constellations from astronomer John Goar on Hurricane Hill. Meet at the Hurricane Hill trailhead. As the sun sets and the full moon rises, hike at your own pace up the 1.6-mile, partially-paved trail, climbing 700 feet to the summit. At the top, Goar will point out constellations. Bring flashlights and wear sturdy shoes. Schedule: July 8 and 9 at 9:15 p.m. to about 11:30 p.m.; August 6 and 7 at 7:30 p.m. to about 10 p.m.; September 4 at 6:45 p.m. to about 9:15 p.m.

If skies are cloudy, programs will be canceled. For program status, call the park recording at 360-565-3131 after 2 p.m. the day of the program.

No personal attacks or insults, no hate speech, no profanity. Please keep the conversation civil and help us moderate this thread by reporting any abuse. See our Commenting FAQ.

The opinions expressed in reader comments are those of the author only, and do not reflect the opinions of The Seattle Times.

Reader’s Lens | Highflying bike rider