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Welcome to the 60nsdc Finance website, a place for all your financing needs. We are here to provide all the financing solutions to the businesses. We are assisting the businesses in raising capital whether it is from the open market through IPO’s or the banks or the private lenders. We make sure to help you at every step.






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2 crucial things to consider when selling a house


Selling a house or a home is a cumbersome process. A house seller always has questions concerning the process of selling the house whether it is his or her first time to sell or not. One of the questions may be concerning whether he or she requires a real estate agent or not to help her sell the house. Another question may be how can he or she get the best price for selling his or her house. Luckily, here are some solutions concerning the questions.

  1. Do I require a real estate agent to sell my house?

There are two main ways of selling a house. One is the selling of the house through a real estate agent and the other one is by selling the house on your own or without using a real estate agent. Although the internet has made it simple for house sellers to sell their houses without a real estate agent, about 90 percent of house sales are still done with the use of a real estate agent. A real estate agent can either be working independently or for a broker firm. Hiring a real estate agent is very important since it saves you time and energy. Additionally, real estate agents have experience in matters related to paperwork and the procedure of selling the house. Moreover, many real estate agents are very good at negotiating and therefore will assist you in getting the best price for your house. Also, the real estate agent will help you solve any issue that you may encounter concerning the house. This is due to the contacts that they have with contractors, other real estate agents, landscapers, inspectors, and the like. Of course, hiring a real estate agent means that you will have to pay him or her but also it helps you a lot more than selling the house on your own.

  1. How can I get the best price for selling my house?

Knowing how much your house is worth, having patience, and exercising restraint are very important. First, you need to appraise your house and have a price tag. In a fine market, the sale price of your house can be between 10 percent to 15 percent above the house value while in a bad market, the sale price of your house may be around the value of your house or below. In order to get the best price of your house, you need a home inspection to ensure that your house is in a good condition. Besides, having a home inspection helps you to avoid complications during the sale of the house. Additionally, before setting the price of your house, you should consider the different attributes around the area. These attributes include schools, special amenities, weather, and location. It is also important to note that it is very bad to overvalue your house since it will be very hard to find buyers and therefore, your house can go stale. This means that your house is no longer attracting interest from buyers.


Selling a house is not easy but by knowing how to value your house and using a real estate agent will help you a lot during the process of a quick house sale.

These Financial Institutions Can Give You The Best Personal Loans In 2018

With the financial market and interest rates looking good, it could be a great time to apply for that personal loan you’ve been wanting to get. Whether you have plans to conduct a complete remodel or just take a nice vacation, having a great personal loan in your pocket will open many doors in terms of its use. So don’t be afraid to acquire one because you’ll discover that the interest rate for a personal loan is a lot more attractive than if you max out your personal credit cards.

So, if I got your attention, go ahead and keep reading about how these financial institutions can give you the best personal loans in 2018.

Citizens Bank

Personal loans from Citizens Bank is one of the leading financial service companies to offer more than just personal loans. As one of the premier lenders found online, the difference is the fact that they offer their lending services online as well as in a physical building. This creates great flexibility for potential lenders especially for those who don’t live near a physical bank branch.

Loan perks:

Fixed rate of at least 5.99%
Max repayment plan of 7 years

Social Finance

SoFi (Social Finance) has been around since 2011 and is another one of the greatest online lenders. Besides personal loans SoFi also offers refinancing for mortgages and student loans, parent financing and regular home mortgages. But, what sets them apart from other lenders are their unsecured loans. This is because they compete well when it comes to their terms and interest rates. This is another reason why you can count on SoFi to be by your side throughout the entire loan process.

Loan perks:

5.21% variable rate
5.49% fixed rates


The financial lender known as Prosper operates solely in the virtual world. It is a peer-to-peer finance platform and has managed over $9 billion since the time that they came into being. Besides that they were also the first online lender to become a P@P provider on a large scale. This has allowed them to pave the way for other P2P lenders that would appear in the future. Today, there are many personal loan options available through Prosper. A couple of examples include financing for healthcare and debt consolidation. So no matter what type of loan you desire it will always be unsecured.

Loan perks:
Interest rate based on credit
No-worry to check your rate


Based in San Francisco, Upgrade made its presence known as a personal lender this past April 2017. Although the company is still fairly new, it’s co-founders, Renaud Laplanche and Soul Htite are well known for their other lending site known as Lending Club.

Although both sites have the same owner’s, their platforms have different platforms. Unlike Lending Club, Upgrade specializes in loans for individuals who don’t have the greatest credit and loans are financed directly from Upgrade.

Loan perks:

620 minimum credit score to qualify
5.66% rate

Freedom Plus

Online personal loans from Freedom Plus don’t make their determination based on your credit history. Located in San Mateo, California, all loan amounts are distributed from Cross River Bank. Freedom Plus is another fairly new online lender who has been in business since 2013.

Loan perks:

Low 4.99% rates
2-3 hour decision waiting period

Loans 101: How to apply



There are more chances to apply and get approve for a loan these days. The traditional and dreadful bank lending with the almost impossible terms for loan acceptance is not the only place to ask a loan. Having said that, there are many reliable financial institutions that will consider imperfect credit, no collateral, and even really bad credit. However, the interest rates many times are considerably higher for bad credit loans. Also, the debt-to-income ratio could also be a factor in obtaining a loan approval and the amount offered. Nevertheless, there are much more opportunities available to apply and get approved for a loan. And with the different types of loan companies available, you can possibly get your loan deposited into your bank account within 24 hours of applying.


The Proper Steps


The first step to take is to check your credit score before applying for a loan. This process can be done for free at various sites as stated in the search engines. However, obtaining your credit may be free on those sites during a trial period. And if you cancel their credit service before the trial period ends, you will not be charged. Your credit score will come from the credit bureaus, including TransUnion, Experian, and Equifax. Once you have obtained your credit score, you will know what you are working with if the credit is imperfect. Also, in this case, you will check for loan companies who may accepted imperfect credit. Other than that, the additional steps for applying for a loan are as follows – for a more thorough overview, check out Mach By Hong Leong.


  1. Starting searching online for loan companies and check their reputation– this is important to make sure the loan companies are legit. There are some scam artists out there setup to steal your finances and your identity. After verifying the legitimate companies, it’s important to check the interests rates as well. Banking institutions normally have higher interest rates than credit unions. Also, credit unions normally award a smaller loan amount, such as $2,500. And as mentioned before, bad credit loans normally have higher interest rates than other loan companies. However, another option is that you can get a cosigner to apply for a loan that has better interest rates, if you have bad credit. In doing this, you are most likely to get approved for loans that service customers with good credit as with the cosigner, in order to retrieve a loan with lower interest rates.


  1. Prepare by getting everything needed for the loan application– proof of income, proof of residency, proof of the length of employment, how often you are paid, proof of housing and transportation costs, and your government issued ID and social security numbers may all be needed in the application process.


  1. Start Applying– after completing the steps mentioned above, you are ready to apply to the chosen lender/lenders.

Sources of business finance

Did you get a great business idea in the mind, but are you worried about how you going to arrange funds for executing your business plan? Then, you need to relax. Unlike olden days, there are so many options for funding your business these days, not just being limited to only bank loan and mortgages.

Here are few of the sources which can help you in funding your business:

  • Bank loans:

Even though there are so many other options available in the market, but bank loan is still the most popular and conventional mode of funding the business. You can avail a short-term, medium-term, and long-term loan from the bank depending upon your requirements. In return of money extended by the bank, the interest is charged as well as some assurance of repayment is kept by the bank in the form of the mortgage or personal guarantees.

  • Angel equity:

In this case, you need to sell a part of ownership to another person or business to get funding for your business. Angel investors are basically the expert individuals or the business who are well known in the industry and are ready to invest in your business in exchange for partial ownership. So, more than just focusing on economic returns, they also provide your business a credibility among other investors.

  • Customers:

You can even ask advance payments from the customers on the certain terms and conditions to solve your cash crunch problem. It is a good way to arrange funds at a relatively low cost to keep your business running. Advances from customers also display your credibility and commitment to the customers that they are ready to give you advances beforehand.

  • Leasing:

A lease helps you to obtain an asset on an agreement with other parties in exchange for a rent or lease payment which is generally due annually. Once the lease is over, the asset is returned to the owner, if the lease is not renewed or asset is not purchased. So, there is no need for you to invest huge sums in down payments while purchasing the assets.

  • Friends and family:

Taking a loan from the friends and family is the best way to fund your business at a very low cost. But, you need to make sure that you make a proper agreement while taking a loan from them to avoid any future hassles and misunderstandings. The document should clearly specify the amount of the loan, the rate at which it is borrowed and other terms and conditions as well.

These are just some of the popular ones, but the options are numerous. You just need to choose the right one in accordance with your requirements.

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How to Invest for your Business the Smart Way

As an owner of a new business, you are confused and apprehensive while taking all the decisions relating to the finance. You are always worried whether investing money in the things like an advertising campaign, office infrastructure, new employee, etc. will yield some benefits or not or it just will a waste of money.

But, don’t you worry? It happens with every newcomer and gets better with time. Here are some of the pointers that will help you to invest in your business in a more smarter way:

  • Invest in yourself:

You are the one who can keep the business going and who needs to take all the decisions. So, the success and the failure of the business depend on you and your decision taking power. Hence, it becomes important that you invest in yourself first. Try to improve your business and leadership skills. You need to learn how to deal with different people and even you need to learn all the aspects of accounting, marketing, tax laws, etc. related to your business to keep it going.


  • Invest in marketing your business:

The success of a business largely depends upon the sales so that you can make enough profits to sustain the business. And the sales depend upon how effective is your marketing campaign. So, you should invest money in advertising your business on the various platforms to make popular so that your sales are boosted.


  • Investing in employees:

You hire competent employees for various functions of the business. But, your responsibility does not end here you need to invest in your employees and keep training them regularly to build a strong knowledge base. Also, it is important that you facilitate them with right tools, software, and other required things to increase their productivity. Even, you should make sure that a good working environment and good appraisal system is in place so that they remain motivated.


  • Invest in your customers:

Investors are essential for the survival of the business. No business can run without customers. So, you need to invest in your customers to keep them happy. You can start certain reward program, provide some freebies, and even ask them for regular feedback so that you can maintain a close relation with them as well as attract new customers. Also, providing good after sales services I s very important to keep the customers happy and satisfied.


  • Invest in market research:

Investing in marketing research will help you gain a competitive advantage. This will help you acquire all the knowledge about the market like latest products, trends, consumer’s preferences, market news, competitor’s news, etc. this will help you in strategizing your next business moves in accordance with market conditions.

So, keeping this points in mind will surely give a head start to your business.


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