During a web design site upgrade discussion recently, a client pointed out that more than 50% of their competition is closing shop or moving to a home based operation to cut costs. Asked how they manage to survive, they stated they have the experience and longevity, and here’s a bonus small business owner finances tip.

A creative source for small business credit card factoring advances is FastUpFront.com who bases loan repayment on daily sales, not on fixed monthly payment amounts. The advantage is more working capital to cover costs during lean months, and they specialize in helping small business owners with poor credit or zero collateral.

My situation as a home-based sole proprietor is more flexible in a slow economy, yet brick and mortar small business owners need all the help they can get during an economic downturn. The release of lower cost web design options in CMS is intended to help ease small business owner finance concerns, also.