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One of the biggest challenges of running a successful retail
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One of the biggest challenges of running a successful retail store is managing cash flow. Much of your capital will be invested in your inventory. When that inventory sells
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, the profits must be invested in new stock to make sure your floor and shelves are full for customers. But, what happens if you run low on funds? Slow periods occur. When they do, cash flow becomes precious (in reality, it always is even if robust sales obscure that fact). The problem is, you lose your ability to invest in new products to replenish your store.

The solution that a lot of independent retailers turn to are loans. However
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, even though they offer a quick infusion of needed funds, they can become problematic. Below, I'll explain how these collateralized loans work in the context of specialty retailing. You may be surprised to discover that this ready source of capital may lead to more harm than good.

The Need To Offer Collateral

Unless you have a longtime relationship with your commercial banker, a lender will require collateral. As a small retailer, the only collateral that your lender is likely to consider is your inventory. It's usually the only thing that represents value and can be liquidated in the event that you default on the loan.

Before making the loan
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, the lender will hire an appraiser who will evaluate the worth of your stock. The appraiser will take into account the quality of the merchandise and the volume in your possession. Then, once an appraisal is made, the lender will offer the amount they are willing to finance.

Why Inventory Appraisals Are So Low

Many independent retailers are stunned (not to mention irritated) when they hear the appraisal figure of their merchandise. The figure is usually very low. They're further shocked to hear that the financing offered by the lender is based on an even lower amount. It's worth clarifying the process by which this amount is calculated.

First, if you default on the loan, and the lender is forced to take possession
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, they will liquidate your merchandise. For that reason, the appraisal of your inventory is based on its liquidation value, not the value you expect to receive from selling it within your retail store. That is why it is low.

Second, lenders use a figure called an "advance rate" to determine the amount they're willing to lend. The advance rate is a percentage of your collateral's value. For example, if your inventory is appraised with a liquidation value of $700
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,000, and the advance rate is 83%, the highest amount of the loan will be $581,000 (83% of $700,000).

You may have already identified a major disadvantage (from the retailer's perspective) inherent with this arrangement.

The Disadvantage For Small Retailers

Independent store owners can use this method of financing to receive a fast infusion of desperately needed cash flow. However
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, because the financing is based on the value of the retailer's stock, the arrangement encourages high inventory levels. In effect, the more merchandise you have, the higher your line of credit. If your inventory levels plummet, your loan can be called in.

For example
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, suppose you receive financing from a lender and you invest the cash flow into merchandise for your store. When the merchandise sells, you will not be able to use all of your profits to replenish your stock. The liquidation value of your inventory has changed. As a result, the lender will require you to pay down a portion of the financing.

Collateralized loans can be valuable for specialty retailers who are dealing with severe cash flow issues. However, they should not be considered a panacea. They are not without risk or potential consequences.
Trendy Bottom Wear For Women That Ruled The Ramps In 2016 ECommerce Articles | October 3, 2016

Teaming your tops with the right bottom wear for women?is the best way to look outstanding on any occasion as well as make the best use of your tops. While comfort and good looks matter while picking the bottom wear
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, you also need to be aware of all the trends that are in. This article tells you all about the trendy bottom wear this season.



Bottom wear for women happen to be one of the most essential items in a lady’s closet, yet it is also one of the most overlooked ones. You may have often drooled over elegant tops and lovely dresses, but have you ever realized how much women bottom wear matters because you will never be able to wear your tops without the bottoms. When you are out to?buy bottom wear for women online?or otherwise, you must keep in mind the fit, looks and most importantly
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, the comfort they provide. At the same time, it is essential that you consider the latest trends so that your wardrobe is updated with the latest nd the best.


Here are the hottest and trendiest options in bottom wear for women that ruled the ramps in 2016:


Palazzo Pants


Palazzo pants is one women bottom wear option that has it all that is needed to make it a favorite- it makes a women look chic as well as feel relaxed, and the versatility of these flowing pants is absolutely unmatched. Team it with a smart button-down and get an impressive workday look or wear it with a sequined top to rock the party night. Experience the ease of the breezy fit all through the summer and also carry the smart look to the colder winter days.


Trousers


Trousers are undoubtedly a timeless trend as far as bottom wear for women is concerned, as no wardrobe is ever complete without a few basics, such as black
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, blue and brown. These smart bottoms are essential for the corporate look that is very desirable for the professional women. Trousers make the best pairing with button-down shirts while you can also team them with cool tees during summer or get a winter-appropriate look by layering with blazers and jackets.

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One of the biggest challenges of running a successful retail
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