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Many people are confused by the different types of loans available. Here is a helpful loans guide of the most common loans available today.Bad Credit Personal LoanA Bad Credit Personal Loan is a loan designed for the many people with a bad credit rating. However created, your past record of County Court Judgements, mortgage or other loan arrears can live on to deny you access to finance that other people regard as normal. If you are a home owner with equity in your property, a Bad Credit Personal Loan can bring that normality back to your life. Secured on your home, a Bad Credit Personal Loan can give you the freedom, for example, to do the home improvements or buy the new car you really wanted. With a Bad Credit Personal Loan you can borrow from £5,000 to £75,000 and up to 125% of your property value in some cases.Bridging LoanA bridging loan as the name implies is a loan used to “bridge” the financial gap between monies required for your new property completion prior to your existing property having been sold. Bridging loans are short term loans arranged when you need to purchase a house but are unable to arrange the mortgage for some reason, such as there is a delay in selling your existing property.The beauty of bridging loans is that a bridging loan can be used to cover the financial gap when buying one property before the existing one is sold. A bridging loan can also be used to raise capital pending the sale of a property. Bridging loans can be arranged for any sum between £25000 to a few million pounds and can be borrowed for periods from a week to up to six months.A bridging loan is similar to a mortgage where the amount borrowed is secured on your home but the advantage of a mortgage is that it attracts a much lower interest rate. While bridging loans are convenient the interest rates can be very high.Business Loan A business loan is designed for a wide range of small, medium and startup business needs including the purchase, refinance, expansion of a business, development loans or any type of commercial investment. Business loans are generally available from £50,000 to £1,000,000 at highly competitive interest rates from leading commercial loan lenders. They can offer up to 79% LTV (Loan to Valuation) with variable rates, depending on status and length of term.They are normally offered on Freehold and long Leasehold properties with Bricks and Mortar valuations required. Legal and valuation fees are payable by the client. A business loan can be secured by all types of UK business property, commercial and residential properties.Car LoanThe main types of car loans available are Hire Purchase and Manufacturer’s schemes. Hire purchase car finance is arranged by car dealerships, and effectively means that you are hiring the car from the dealer until the final payment on the loan has been paid, when ownership of the vehicle is transferred to you.A Manufacturers’ scheme is a type of loan that is put together and advertised by the car manufacturer and can be arranged directly with them or through a local car dealership. You will not be the owner of the vehicle until you have repaid the loan in full, and the car will be repossessed if you default on repayments.Cash LoanCash Loans also known as Payday Loans are arranged for people in employment who find themselves in a situation where they are short of immediate funds.A Cash Loan can assist you in this situation with short term loans of between £80 and £400.Loans are repayable on your next payday, although it is possible to renew your loan until subsequent paydays. To apply for a Cash Loan you must be in employment and have a bank account with a cheque book. A poor credit rating or debt history is initially not a problem.Debt Consolidation LoanDebt consolidation loans can give you a fresh start, allowing you to consolidate all of your loans into one – giving you one easy to manage payment, and in most cases, at a lower rate of interest.Secured on your home debt consolidation loans can sweep away the pile of repayments to your credit and store cards, HP, loans and replace them with one, low cost, monthly payment – one calculated to be well within your means. With a Debt Consolidation Loan you can borrow from £5,000 to £75,000 and up to 125% of your property value in some cases. It can reduce BOTH your interest costs AND your monthly repayments, putting you back in control of your life.Home LoanA Home Loan is a loan secured on your home. You can unlock the value tied up in your property with a secured Home loan.The loan can be used for any purpose, and is available to anyone who owns their home. Home loans can be used for any purpose such as, home improvements, new car, luxury holiday, pay of store card or credit card debt and debt consolidation.
With a Home Loan you can borrow from £5,000 to £75,000.Home Improvement LoanA Home Improvement Loan is a low interest loan secured on your property. With a Home Improvement Loan you can borrow from £5,000 to £75,000 with low monthly repayments. The loan can be repaid over any term between 5 and 25 years, depending on your available income and the amount of equity in the property that is to provide the security for the loan.A Home Improvement Loan can help you with a new kitchen, bathroom, extension, loft conversion, conservatory, landscaping your garden or new furniture. You can even use it on non-house expenditure like a new car or repaying credit card or other debts.Home Owner LoanA Home Owner Loan is a loan secured on your home. You can unlock the value tied up in your property with a secured Home Owner loan. The loan can be used for any purpose, and is available to anyone who owns their home. Home owner loans can be used for any purpose such as, home improvements, new car, luxury holiday, pay of store card or credit card debt and debt consolidation. With a Home Owner Loan you can borrow from £5,000 to £75,000.Payday LoanPayday Loans also known as Cash Loans are arranged for people in employment who find themselves in a situation where they are short of immediate funds.A Payday Loan can assist you in this situation with short term loans of between £80 and £400.Loans are repayable on your next payday, although it is possible to renew your loan until subsequent paydays. To apply for a loan you must be in employment and have a bank account with a cheque book. A poor credit rating or debt history is initially not a problem.Personal LoanThere are two categories of personal loans: secured personal loans and unsecured personal loans – See individual titles below. Homeowners can apply for a Secured personal loan (using their property as security), whereas tenants only have the option of an unsecured personal loan.Remortgage LoanA remortgage is changing your mortgage without moving your home. Remortgaging is the process of switching your mortgage to another lender that is offering a better deal than your current lender thereby saving money. A remortgage can also be used to raise additional finances by releasing equity in your property. You can borrow from £25,000 up to £500,000. Rates are variable, depending on status.Secured Loan A secured loan is simply a loan that uses your home as security against the loan. Secured loans are suitable for when you are trying to raise a large amount; are having difficulty getting an unsecured loan; or, have a poor credit history. Lenders can be more flexible when it comes to secured loans, making a secured loan possible when you may have been turned down for an unsecured loan. Secured loans are also worth considering if you need a new car, or need to make home improvements, or take that luxury holiday of a lifetime. You can borrow any amount from £5,000 to £75,000 and repay it over any period from 5 to 25 years. You simply select a monthly payment that fits in your current circumstances.Secured Personal LoanA Secured Personal Loan is simply a loan that is secured against property. Secured personal loans are suitable for when you are trying to raise a large amount; are having difficulty getting an unsecured personal loan; or, have a poor credit history. Lenders can be more flexible when it comes to Secured personal loans, making a Secured personal loan possible when you may have been turned down for an unsecured personal loan. Secured personal loans are also worth considering if you need a new car, or need to make home improvements, or take that luxury holiday of a lifetime. You can borrow any amount from £5,000 to £75,000 and repay it over any period from 5 to 25 years.Student LoanA student loan is way of borrowing money to help with the cost of your higher education. Applications are made through your Local Education Authority. A student loan is a way of receiving money to help with your living costs when you’re in higher education. You start paying back the loan once you have finished studying, provided your income has reached a certain level.Tenant LoanA tenant loan is an unsecured loan granted to those that do not own their own property. A tenant loan is always unsecured because in most cases, if you are renting your accommodation, you do not have an asset against which you can secure your loan. Tenants sometimes find that some loan companies will only lend money to homeowners. If you are a tenant you need to look for a company, bank or building society willing to give you an unsecured loan.Unsecured Loan An unsecured loan is a personal loan where the lender has no claim on a homeowner’s property should they fail to repay. Instead, the lender is relying solely on the ability of a borrower to meet their loan borrowing repayments. The amount you are able to borrow can start from as little as £500 and go up to £25,000. Because you not securing the money you are borrowing, lenders tend to limit the value of unsecured loans to £25,000.The repayment period will range from anywhere between six months and ten years. Unsecured loans are offered by traditional financial institutions like building societies and banks but also recently by the larger supermarkets chains. An unsecured loan can be used for almost anything – a luxury holiday, a new car, a wedding, or home improvements. It is good for people who are not homeowners and cannot obtain a secured loan for example; a tenant living in rented accommodation.Unsecured Personal LoanAn Unsecured personal loan is a personal loan where the lender has no claim on a homeowner’s property should they fail to repay. Instead, the lender is relying solely on the ability of a borrower to meet their loan borrowing repayments.The amount you are able to borrow can start from as little as £500 and go up to £25,000. The repayment period will range from anywhere between six months and ten years. An Unsecured personal loan can be used for almost anything – a luxury holiday, a new car, a wedding, or home improvements. It is good for people who are not homeowners and cannot obtain a secured loan for example; a tenant living in rented accommodation.

Undoubtedly, the new and smart strategies for the businesses are the need of the hour. The market is now full with small and large scales business, thus the biggest challenge that both the consumers and producers both have to face is the presence of different brands selling the same product. For example, if you go to a store for buying dark chocolate, you can easily find 6-7 brands selling the dark chocolate even at the same price. This is the level of competition, which producers are facing these days. Therefore, to make your product recognized by everyone it is important to standout your business presence in the online world with smart digital marketing tactics.What is Digital Marketing?Digital Marketing is a broad term that includes advertising, promoting, and strengthening the online presence of businesses through digital platforms. Some of the digital tactics that fall under the umbrella of ‘Digital Marketing’ are digital advertising, email marketing, content marketing, pay-per-click, online brochures, and more. Unlike other offline marketing efforts, digital marketing allows getting accurate results in real time. For example, if you put an advertisement in the newspaper, it is nearly impossible to estimate how many people flipped to that page and paid attention to that ad. While with digital marketing, you can easily measure your ROI of any aspect of your marketing efforts. According to Crux Creative Solutions Private Limited, one of the best online marketing agencies in Delhi NCR is here to explain why digital marketing has become so important.Website Traffic: As discussed above, it is very difficult to understand how people are engaging with your brand through offline marketing. While online marketing helps you in identifying trends and patterns about how people are behaving with your brand. Hence, you can make better strategies in the future to attract more and more consumers to the website. Not only can this, with digital marketing you get the exact number of people who have viewed your website’s homepage in real time by using digital analytics software. These stats help you in deciding which digital strategies to continue and which to stop using.High Visibility on Search Engines: Search Engine Optimisation is another powerful digital marketing strategy that offers a variety of benefits to the business owners. As discussed, there is tough competition between the brands in the market. When we search any service on the search engine, we get 100s of results. Naturally, we believe in the top five searches because they are the most reliable website links according to Google. Thus, by optimizing your website content through digital marketing strategies, you can reach to more online buyers.Content Performance: Online marketing lets you estimate your content performance. Let us understand this with an example, imagine you have delivered pamphlets and posters to a different sector of societies. The problem is that you have no idea how many people opened those posters or threw it in the dustbins. Now imagine that you have that same poster on your website. You can exactly measure how many people clicked that poster, how many closed that poster and the details of those who clicked the poster. This not only informs how engaging is your content also generates leads for your website.Digital marketers at CRUX, the renowned digital marketing agency in Gurgaon offers the best campaign plans with excellent planning, adaptable strategies, and precise execution to cater to the needs of clients. After Fujifilm, Sony, Quantum Naturals, Park Hospital, and many more, we would love to have you in our client’s list. Our set of services includes creative designing, SEO development, web development, content marketing, and more.

When we mention the phrase “Online Business” – we are actually referring to the term utilized for any sort of business deal that comprises the sharing of information or data across the World Wide Web. This is also referred to as e-business.In this current age, research has proven that more and more businesses are being introduced online on daily basis. This is because it offers loads of benefits and leverage for new businesses and existing ones.The benefits of utilizing online marketing over that of offline (brick-and-mortar) marketing is primarily that of extensive reach, robust customer communication, target audience engagement, among others. Below are basic advantages of online business and marketing and why it is important for you to consider having your business launched on the internet.Online Business & Marketing Offers Widespread Audience PotentialIf you are just starting out a new business or have been in business for long; once you decide to expand and launch out online, you will have more opportunities to reach out to more customers. Launching your business online will offer you access to millions of prospective consumers online, locally and globally. Online marketing helps you reach these customers much easier and even at lesser fee than you would through offline business marketing. As an online marketer, you will be able to target more people by simply placing ads in diverse search engines, including those of Yahoo, Bing, Google, etc. With SEO applied, and using specific vital related business keywords, the business can gain first-page search engine ranking which is great for attracting loads of organic traffic and, as a result, more exposure to potential customers all around the world.It Provides Available InformationWith online business and marketing product details are more widely and readily available to large audience of people who might be interested in such products/services. It allows you to post service or product images, descriptions and prices on the internet via your website. Having an online business lets you reveal key advantages of your services or products over other competitors.It Offers Better TrackingWith dedicated software – online businesses can easily and better track business activities online. With this, businesses can apportion more advertising dollars to the right search engines to produce greater volume of website traffic.Online Business Provides Better Customer Engagement and ContactOnline business and marketing offers better customer engagement and contact. This is because the internet offers businesses the platform and capacity to deliver clear communication to their target audience and customers. With the potentials to generate email leads from website visitors, effective communication becomes easier and more direct, with much better benefit to enjoy higher returns on investment. This is also quite cheaper to attain than it is with offline business and marketing.