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Collateral refers to assets that you are willing to put up to secure credit, such as a small business loan.
Your house (if you own it outright), your car, property, or equipment are all examples of tangible assets that you may be able to use as collateral.
Loans that use tangible assets as collateral are called secured loans (as opposed to unsecured loans). The advantage of secured loans is that they often have lower interest rates than unsecured loans.
One potential problem with collateral is that if you are unable to pay off your loan as scheduled, the assets you used as collateral will be seized and sold, and the money raised by selling the assets will be used to repay the loan.
For many small business people, there is also the problem of simply not having enough collateral to get a secured loan from a lending institution. They may have to depend on equity financing instead.
EVANSVILLE — Vineyard Financial, a local private company that provides retirement planning, investment advice and business services management consulting, will hold a ribbon-cutting at 4 p.m. Tuesday at its new office at 7412 Eagle Crest Blvd.
The site, located between Shepherd Insurance & Financial Services and Regions Bank, sits off the East Lloyd Expressway.
Vineyard is headed by Brad Ford, owner and president.
Willie Schuette, an independent registered financial representative, works along side Ford in a business-partner capacity.
Vineyard recently moved from smaller quarters at 5000 E., Virginia St. to the new 4,000-square-foot location, developed by Woodward Commercial Realty.
Gary W. T
Trying to map the best route for a summer roadtrip? Want to find the cheapest gas stations – and be aware of speed traps — along the way? Or maybe you need to identify a good mechanic to tune up your car before you go?
Florida motorists can get help for these and other car-related issues from a host of free state websites run by state government agencies and consumer services. Here’s a sample of what’s available for free:
Official motor vehicle sites
Need a car or truck? Read Steven Cole Smith’s reviews 
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The Internet search giant, Google Inc., has completed its third acquisition of a Toronto-based tech company, this time scooping up PushLife Inc. wit