Land of the Rising Reputations – Survey Finds Top Seven Most Reliable Car-Makers Are All Japanese

The only non-Japanese makes to achieve a top ten place were Skoda, Kia and Mini, in eighth, ninth and 10th respectively. Skoda builds most of its cars in the Czech Republic, while Kia is Malaysian, and Mini, of course, builds many of the models, which would have been included in the survey, in Cowley, just outside Oxford.

The survey used data taken from Warranty Direct’s 50,000 ‘live’ policies, which cover cars between three and 10 years old. There was bad news for British car-makers in the survey, as out of the 32 car makes it covered, four were British – with Land Rover faring the worst of all, with MG, Vauxhall and Rover also in the bottom 10, at fifth, sixth and ninth lowest-ranked respectively.

Just one in 14 (seven per cent) of Hondas covered by Warranty Direct policies needed attention during 2009, the survey found, while more than half (53 per cent) of Land Rovers subject to such cover had to be returned for repairs. Honda’s top place was its fifth in a row in this survey.

The cars studied were all between three and 10 years old, which is the age range of most of the used cars bought in the UK. Buying a used car and arranging used car finance are undertakings which must be entered into seriously, so polls such as this often reflect the types of cars which are in most demand as used buys. When arranging bad credit car finance, the car itself can often be taken as security for the loan, so more reliable makes are always considered to be a wise buy. While many of these can be hard to find, it is always worth a buyer persisting if they have set their heart of owning a particular make, and not being too disappointed if what they are looking for seems to be like a needle in a haystack.… Read More

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Helpful Information on Business Finance Loans

When starting a business or if in need for some financial help for an existing business, there are several business finance loans. Depending on the size of the loan and the business will help in the decision on what one is right for you.

Guaranteed Loans From the Small Business Administration

The small business administration does not give you the loan directly, but can guarantee the financial institution that it will be paid. These loans go according to the requirements of the small business association. The 7(a) loan program is the most flexible and the one that SBA uses primarily. The major types of 79a) loans are express programs, export loan programs, rural lender advantage program, special purpose loans program, CDC/504 loan program, microloan program, and disaster assistance loan program. These loans are made for existing and start-up businesses.

Prior to Applying for a Small Business Administration Loan

There is a few things that you need to do before you apply for any loan programs. Prior to obtaining a loan with the SBA, you must first try to get financed through a different source. If the terms are reasonable and you qualify, you will not need SBA.

If you do not qualify, then you may apply for an SBA loan program if your business meets the requirements of being a small business. Check the types of loans that they offer and be sure they you meet the requirements. Make sure the program you apply for will give you enough financial help that is needed. Look to so see if there are any specifications you need to know.

Financial Information for Business Finance

Some of the financial information for your business finance will be different depending on if you already have the business or are just starting. If you have an existing business, then you will needs the last three years of financial statements. This includes income statements, balance sheets, and your net worth. If you are starting a business you will need to supply them with a projection of one-year about income, cash flow, and expenses.… Read More

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