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Team Building Ideas to Strengthen Your Business

As a business owner, you ultimately must ensure that new recruits mesh well with your established team. Unfamiliarity can breed problems and inefficiencies, and it hampers proper communication. One way to bring new employees into the fold is through team building exercises. These activities help foster interdependence and trust among your employees. New employees learn to work with each other and with old-timers for the good of the team. In the end, the time and money spent on team building should be repaid many times over. What follows are several team building ideas that can strengthen your business.

Charity Run

In a charity run, sponsors donate money based on how many miles are covered by walking, running, or biking. This idea has several strong points. First, it helps a worthy cause, such as medical research or victim support. Secondly, it gets employees out of the office and helps establish interpersonal relationships. Thirdly, it’s a fantastic marketing tool that will raise your social profile. Finally, it helps promote fitness and reduce stress for your staff. Consider creating T-shirts for your staff to wear during the run and see if you can involve other organizations as well. Usual course length is a few miles or kilometers, but any length will do.

Christmas Tree Decorating

Malls, hotels, and other venues often host displays of Christmas trees during the holiday season. You might participate by having a decorating contest for teams of employees, with the winning selection submitted to the sponsor for display. Each team could be given a tree, a budget, and a few hours to acquire and apply decorations. Perhaps you’ll emphasize a theme, such as environment responsibility by allowing only recycled materials for decorations. Reward the winning team with some prize, such as free pizza. Even though there is only one winning team, everyone wins by participating in a competitive and enjoyable activity.

Scavenger Hunt

Teams of employees compete with each other to be the first to collect a list of items. A newer twist is to have each team also perform some tasks as well. A proper scavenger hunt requires a decent amount of preparation, but employees seem to love them, especially when you hand out prizes in the end. You can conduct the hunt at your office, but its more fun to pick an outdoor venue, such as a local campground. With proper preparation, this can be a hugely successful team-building activity.

Karaoke Night

Employees who would never individually go up and sing at a karaoke bar might be willing to sing in a group. You can set up teams of participants and make arrangements with your local karaoke bar to sponsor a contest. Winners should receive a fun gift, and all participants should be acknowledged.

Paintball

What better way for your staff to work off their aggressiveness than with a paintball contest. Your town probably has a nearby paintball course you can hire for the day. Organize teams of employees to compete for prizes and recognition. Paintball rewards strategic thinking, bravery, and common sense — all traits you should cultivate among your staff.

Conclusion

Team-building is well worth the expenses involved in promoting it. You can set up activities that range from modest to challenging, with negligible to substantial budgets. If you plan something elaborate that you’d like to finance with a loan, contact us at IOU Financial for a quick business loan that’s easy to repay.

5 Ways You Can Increase Employee Productivity

Are you the type of boss that wants to walk into an office with happy and energetic employees? Do you want to be certain that your staff members are meeting deadlines and contributing their fare share to the workload? Do you want to increase profits and take over the market share in your industry?

All of these objectives are only possible for companies that have truly productive employees. If you feel that your team can use some help in this area, utilize the 5 ways listed below.

Prevent Burnout

Employers highly rely on their highest performing employees with the most tasks as well as leading other team members. However, did you know that one in five of the top employees feel highly burnt out on the job?

Burnout leads even the most invested employees to become extremely stressed out, tired and disengaged. Although you want to make sure your staff members are working at optimal levels, it’s important to review the hours they spend in the office each week and make adjustments for extremely busy schedules.

Productivity Tools

Using technological solutions to promote productivity amongst your employees is extremely advantageous. For example, software such as Slack allows users to streamline communication through video-calling, file-sharing, direct messaging and notifications all in one platform. This saves time because one no longer needs to search in the inbox for lost emails, and all forms of communication are stored on a single channel in a message-forum format.

Performance Reviews

In order for your team members to be motivated to work hard, they need to know that management is aware of their efforts and appreciates it. Even the hardest working employee is likely to slack off if they feel that no one is watching.

Conducting regular performance reviews is an excellent way to work together with each employee to set individual and group goals, monitor performance and give your feedback. This way, the top performers will get positive feedback, encouraging them to persist in their work efforts, while others can get help and mentorship to improve in their weakest areas.

Contests

Healthy competition can do wonders to encourage even the most unproductive individual to improve. There are many ways you can create this in your corporate culture, from an employee of the month program to a simple contest specifically for each department.

Why not offer a $200 gift card to the top selling customer service rep for the month of June? Another great idea is offering a paid day off to a CPA who can file the most tax returns in a quarter.

Room for Growth

If you would like your employees to do their best for you, you must recognize and reward their efforts by helping them. A company that places a lot of value in helping their employees advance in their careers by promoting from within will have the best results in productivity improvement.

When the people that work for you know that when they work hard they will gain more responsibility and a higher paycheck, they will be more invested in their jobs.

There are many more ways that you can promote productivity in your office. The main thing to remember is to be involved in the daily operations of your company and motivate your staff.

 

Three Proven Ways to Prioritize Your Day for Maximum Efficiency

There are only so many hours available in the day, and many of us feel like it’s never enough to accomplish everything we have set out to. What’s even more frustrating are the co-workers that seem to have just as much responsibility as you do, but who manage to get everything done and leave it a decent hour while you are stuck at the office catching up on emails way past 8PM.

The difference between efficient individuals and those that need a little more help may simply be the ability to prioritize the day. Read on to find three useful strategies to make yourself more productive at home and at work:

Start the Day Before

If you were to finish reading this article with one takeaway, it would be to plan your day the night before. Truly productive people review their calendar the day before so that they are aware of meetings, deadlines and tasks that are set for the following day. This way, you won’t be coming into the office prepared to work on a project only to be blindsided with an offsite meeting that you completely forgot about.

If you make it a habit to review your calendar the night before, you will be able to not only become aware of the plan for the following day, but also rearrange your schedule to focus on the most pressing things first. Then, you can create a daily schedule and pencil in allocated time slots for each activity to make sure you stay on track and meet all your deadlines.

Create a Successful Morning Routine

If you just can’t seem to get going in the morning and are a habitual user of the snooze button, that may be hindering your productivity throughout the rest of day. In order to make yourself ready for the day ahead, wake up early enough to complete your morning routine before you head out of the house.

This means waking up early enough to shower and have a sensible meal full of healthy and nutritious ingredients that will provide you with enough energy to last until lunch time. Running out of the house at the last minute and grabbing a sugar-laden pastry or donut will only leave you with a sugar crash as soon as you get into the office, making you feel lethargic and sleepy.

A successful morning routine may only mean waking up 30 minutes early, but that will allow you to work smarter and faster, thus leaving you with more free time in the evening to relax and focus on personal tasks.

Cut Out Time Wasters

Some people are better at time management than others, but it is never too late to learn new skills. This is where technology can be a beneficial tool, with apps such as RescueTime helping you monitor your behavior and understanding how you spend your time.  

This app will generate weekly reports of your online and mobile activities and how much time you spend on each website. You can set goals for productivity in this app, which will stop you from visiting websites and apps that will waste your time, such as social media platforms and entertainment sites.

Although you can’t add more hours to the day or likely lessen your load, you can prioritize your day so that you can be more efficient and productive. With just a few adjustments to your process, you can be prepared for the tasks ahead and manage them in the most responsible way to feel accomplished at the end of every day.

 

How to Reward Employees Without Breaking the Bank

Us humans are driven by incentive, and modern leaders understand the importance of rewarding high-performing employees. While typical ways of doing so include bonuses and pay raises, oftentimes small business owners can’t afford to reward their employees monetarily. If you are in the start-up phase of growing your business, you don’t have to forego rewarding your staff members; instead you just need to get creative in rewarding them without breaking the bank.

4 Great Ways to Reward Your Employees Without Money

Simple Recognition

If you want to make your employees feel appreciated, oftentimes all it takes is to voice your  gratitude. If one of the members of your team just turned in a well-researched project, or another one handled a customer service issue in an appropriate manner, simply acknowledging their efforts and saying thank you can be enough of a reward for your employees.

If you want to take your appreciation a step further, you can send out a departmental or company-wide email recognizing the efforts of one of the staff members. Alternatively, you can set up an “Employee of the Month Program” where you choose one employee who has gone above and beyond that month.

Although none of these initiatives will cost your company one penny, they will make your employees feel noticed and appreciated for their efforts, and will encourage others to some friendly competition for recognition.

Time with the Boss

Most bosses are incredibly busy, and don’t have a lot of individual time to dedicate to each of their team members. However, it is extremely important to your employees to spend that time with you, which will help you create a meaningful relationship and a bond that will encourage them to be loyal to your organization.

One way to reward your employees is to dedicate some one-on-one time to a different high achiever on a weekly basis. You can take this person out to lunch; but if this is not within your budget, you can simply take a walk together or even meet in your office.

Dedicating this time to your employee will show them that you care about them, their thoughts and opinions and plans for the future. Make sure to spend that time focusing on the employee; however. This can be a time for mentoring or giving valuable advice that can help them grow in their positions.

Best Parking Spot

Parking is a hot commodity in many metropolitan areas, and many employees need to pay for their own spot, park far away or forgo driving to work altogether. As a reward for a top-performing employee, why not give them the best parking spot your company has? Even if you only have one dedicated spot that you use, that could be a great incentive for your employees that will not cost you a dime.

Ask Them

If you’re not sure what is the best way to reward your employee, why don’t you ask them about what they prefer? Some may choose a paid day off, while another one may want to reassign a project that they’re not interested in on another colleague. Within reason, letting your employees choose their own rewards will make them feel valued and important.

If your employees have truly gone above and beyond and have shown how much they are committed to the team, you may consider investing in giving them financial rewards. After all, that is a way to stay competitive within your industry and keep your employees loyal to your company.

IOU Financial is dedicated to helping you with this goal. Contact us today to find out about our quick and easy small business loans of up to $500,000.

 

Is There Truth to the Morning Routines of the Successful?

Most of us have a similar morning routine— we brush our teeth, have a cup of coffee, get dressed and head out to the office. Or do we? Is there something that the ultra-successful entrepreneurs do in the morning that is vastly different from the rest of us? Do successful people have a specific morning routine that has helped them realize their goals? Read on to find out if a “success morning routine” is valid or is just a hoax.

Earlier Wake Up Times

Benjamin Spall of New York Times interviewed 300 successful people over a span of 5 years to see what they do in the morning that sets them apart from everyone else. He was not able to find a “secret formula” that led to prosperity with absolute certainty, but did did discover certain practices that successful people tended to focus on in the mornings.

The author found that the majority of the people set their alarms every morning depending on where and when they have to be. A common practice for the rest of us is to wake up as late as possible to get to work on time, but the ultra-successful have a different understanding of when they need to start their day.

He found that the average wake up time for those that he interviewed was 6:27AM, but most of the people experimented with the time that would work best for them. Give yourself a month and try waking up an hour and a half, an hour and 30 minutes before your usual time to see if you can give yourself extra time in the morning to start your day better. Perhaps, if you’re not rushing and are more prepared for your day, you will also be more successful.

Start the Day Off with a Preferred Activity

Although you may not be a morning person and hate the rush at the start of the day, successful people reinvented their mornings to better suit their needs, according to Spall. They tend to give themselves enough time to start the day with an activity that they enjoy—this can involve meditation, exercise or simply quietly reading a book.

If you begin the day was something that you enjoy, you will likely be in a better mood and better prepared to tackle the challenges of the rest of the day as well.

Have a Family Breakfast

Forbes magazine reports that the ultra-successful make time to have daily breakfast together with their loved ones. Doing so helps them distress and start the day surrounded by people that they love.

Plus, sitting down for breakfast tends to lead to healthier diet choices rather than grabbing a muffin or a breakfast sandwich on the way to work. And, nobody needs to be told about the importance of a healthy breakfast at the beginning of the day.

Create a To-Do List

It may come as no surprise that successful people know how to set and achieve their goals. A common practice for them is to create a to-do list first thing in the morning when they get to the office. This helps them to prioritize the most important tasks, and dedicate enough time to them to make sure that they are completed by deadline.

Although there’s no blueprint for an AM routine which will help you get ahead, giving yourself more time in the morning to do something that you enjoy with others that you love and setting daily goals will definitely help you become happier and more productive, which is the ultimate definition of success.

Inspired to make more changes toward success? Check out our list of FREE resources. Smart Sheets are Excel based spreadsheets that allow simple data to transform for visualized business analysis. Use these along with our Business Guides to help you run your small business like a pro!

 

Why Companies Need Corporate Wellness Program Apps

Taking care of the wellbeing of your employees shows more than just your corporate culture, it’s also a signal that your company cares for its own future and prosperity. More and more companies include different wellness programs in order to enhance the health status of their workforce. These programs rely on various tools and activities that track and maintain the health status of the working people. Let’s take a more detailed look at all the benefits that wellness apps bring to companies.

Easier implementation of the wellness program

First and foremost, wellness apps facilitate the implementation of your wellness program. Conducting these types of programs is never easy, especially within companies that include a large number of workers or remote employees. Automation, provided by mobile and desktop apps, makes the implementation of the program much easier and brings in a few extra features that would otherwise be difficult to carry out.

Reduced Absenteeism

Absenteeism is a large issue for any company in the world. The productivity drops every time you have a person on sick leave, no matter how capable your team might be when it comes to covering for the absent co-worker. The best way to reduce the number of workers that turn in sick, is for a company todo whatever it takes to improve the well-being of its employees. Using wellness program apps within your company allows your employees to keep track of their health status, which further increases their chances of preventing any future health issues.

Keeping a high level of productivity

According to research, productivity depends, in a large measure, on the physical and mental status of your workforce. Wellness apps provide food recommendations, fitness instructions, track vital signs, all of which can reduce the chance of sickness. Workers that maintain their physical health status, feel better and more eager for work, which is essential for company productivity. Furthermore, as we already stated, even if the rest of your team is able to cover for their colleague, heavier workload and the need to perform faster leaves room for mistakes, which have to be fixed so more time gets wasted.

Apps allow wellness program improvement

Without comprehensive feedback, it’s difficult to improve a wellness program that your company implements. Apps, allow you to conduct surveys and get all sorts of analytics that could show which parts of your wellness program need improvement. It’s important for the success of your program to know which aspects don’t show desired results, which ones take too much time, and where you need to put in an extra effort to make the program work seamlessly.

Ability to create healthy dining options

There’s an old saying “we are what we eat”. Rather than suggesting that I’m a bowl of pasta, this piece of wisdom means that our mental and physical state depends on the food we place on our tables. Wellness apps allow you to create healthy dining menus and suggestions for various types of food. For instance, you can have your employees check in to see what gluten-free options they have, which vegan courses are available, or simply learn how to make a new tasty dish.

This way, your employees avoid the risk of heart diseases, cancer, digestive problems, and other health issues that both you and your workers want to avoid.

Conclusion

A company is doing well as long as the people that contribute to its success are doing well. Therefore, business owners should invest in the wellbeing of their workforce if they wish to maintain a high level of productivity. Moreover, the companies that show care for their employees build a positive image, which is important for business expansion and recruitment of talents. Wellness apps automate and simplify the implementation of your corporate wellness program, making it more efficient and reliable.

Guest Post: About the Author

Becky Holton is a journalist and a blogger at ProEssayWriting. She is interested in education technologies and is always ready to support informative speaking. Follow her on Twitter.

Looking to implement a wellness program in your corporate structure? IOU Financial can help with up to $300,000 in as little as 24 hours.

Five Tips to Be a Happier, More Balanced Business Owner

If you run a small business, you probably have become accustomed to working hard….really hard. Seven-days-a-week hard, with nary a day off. Admirable, but also dangerous, because you risk burnout, health problems, and grumbling employees. It’s up to you to create a healthier work-life balance, so here are five tips to get you started:

Shorten your workweek:

Nowadays, many business owners feel guilty if they work less than 10 hours a day, including weekends. This is sure to exhaust your mind and hamper your creativity. If you want to increase your productivity, shorten your workweek. Put in no more than 40 per week and try to not work on weekends. Remember, sitting at your desk for long hours doesn’t equate to productivity. Work the hours you actually need to and relax the rest of the time.

Use technology:

We live in the high-tech era, so let technology do some of the heavy lifting for you. Automate your workday with a suite of apps that collect, process and distribute information. AI apps can automatically generate your Twitter tweets, schedule your appointments and alert you to important news. Update your old apps – email campaigns are much more sophisticated than they were five years ago, so use a modern app to manage your email marketing.

Enter the cloud:

Are your data and apps still residing on a hard disk on your computer? That’s a shame, because migrating to the cloud opens up all sorts of possibilities that can make you more productive and save you time. Look at apps like accounting, CRM, design and development. They need to share data to operate most efficiently. By putting your databases on the cloud, you can take advantage of scalable software that is constantly updated and doesn’t take up valuable real estate on your computer.

Take a vacation:

If you feel you are indispensable all the time, you’ll never get any time off. You deserve a vacation, and two weeks of sun and fun will do wonders for helping you get through the remaining 50. Pick your least busy time of year, and either close up shop or assign tasks to employees you can trust. Maybe two weeks is out of reach right now, but try to get at least three or four days in a block, and build from there.

Stop fretting about money:

Many small businesses have variable cash flows that sometimes leaves them cash-starved. This constant worry will drain all the joy out of being a business owner. The solution is to create a relationship with a trustworthy business lender, like IOU Financial. You can borrow and pay back quickly on convenient terms, with never a pre-payment penalty. Daily or weekly payments mean no large monthly lump-sum repayments to worry about. And with loans up to $300,000, we can give you peace of mind for just about any circumstance.

You started your own business to make money, be your own boss and do things the way you want. But wasn’t the ultimate goal to achieve a happy life? Don’t wait until it’s too late – add some joy to your life right now. Adopt our five tips, plus ones you come across in other articles. If you work with a team, what better way to demonstrate the value you place on work-life balance than to practice it yourself? Protect yourself from burnout now, and you’re more likely to happily remain in business over the long run.

Parental Leave and Small Business – How to Do What’s Best for Your Business AND Your Employees

Small business owners have come to realize that allowing employees to take parental leave is a good policy despite its costs.

It’s a great way to recruit and retain good employees, plus provides these benefits to you:

  • Employees are more likely to return to work after taking time off after having a baby
  • You have the opportunity to cross-train other employees to fill in for a person out on parental leave
  • You can train junior employees to take on new responsibilities
  • It’s an opportunity to take a fresh look at how you distribute responsibilities within your company
  • Generally, employee morale will be higher if you offer parental leave, a fact than can save you money by helping you to avoid frequent turnover

If your company has 50 or more employees, the Family and Medical Leave Act requires you to provide up to 12 weeks of unpaid parental leave. Parental leave is optional for companies with fewer than 50 employees, at least from the viewpoint of federal law. However, your state might have parental leave laws that apply to you. These laws provide job protection for a specified number of weeks when parental leave is needed.

Parental leave is indeed popular – 80% of employees at small companies would take advantage of it, according to the Family and Work Institute. Of course, any paid portion of the leave will only serve to increase its popularity. An interesting statistic is that 91% of small businesses that provide paid parental leave report no noticeable effect on performance and profitability, according to ThinkGrowth.

It makes sense for your company to devise a parental leave policy that meets your needs and those of your employees. Your policy should be included in your employee handbook so that all the terms are understood by all.

The policy should spell out features like:

  • Scope: Under what circumstances can employees take parental leave – maternity, adoption, accepting a foster child, etc. – and whether it applies to both parents.
  • Benefit: How much leave time can employees take, and whether they will be expected to work from home.
  • Pay: How many leave days, if any, will be paid.
  • Notification: How far in advance must an employee request parental leave.

When an employee requests parental leave, a manager or the owner should review the employee’s duties and methods with other employees who will be filling in during the leave period. It’s important not to overload other employees, which might require the hiring of temporary workers. The review process should encourage brainstorming to see whether more efficient methods are available.

It’s a good idea to build relationships with freelancers or staffing firms so that a ready source of temporary labor is available during parental leaves. While employees appreciate the opportunity to take parental leave, they don’t want to be burned out by assuming the work of employees on leave in addition to their own workload.

Employee abuse appears to be rare. Employers should require some sort of documentation for non-obvious (i.e. other than maternity) situations. Employers can add flexibility to parental leave by allowing employees to use saved up vacation days and sick time to provide some paid time during the leave.

How a Business Owner Can Take a Vacation Like a True Boss

Many people aspire to be the boss so that they can control their own schedule and take off as much time as they want. However, the stark reality is that many owners don’t take vacations at all, year after year.

According to a recent survey, half of small business owners take an average of three days off per year, while 70% work on holidays, including Thanksgiving. The main excuse for lack of time off is that business owners don’t feel like their companies can survive or thrive without their presence and input.

However, not taking any time off leads to extreme stress, feeling burnt out, loss in productivity and a creativity block. In fact, lack of vacations can lead to depression, cognitive decline and even heart disease!

There are ways for all business owners to take a vacation with these tips:

Start Small

It’s probably not the best idea to take a two-week cruise where you will be fully inaccessible if you haven’t taken more than a day off in recent years. Instead, start small and train your staff and yourself to run the business without you little by little.

Start by giving yourself half-day Fridays when work permits, and leave after lunch to see how your staff does without you. If all goes well, take an entire day off, followed by a mini-vacation for just a few days.

Assess how your employees are able to handle responsibilities on their own, and how much they need to contact you to make decisions before taking a week off or more.

Designate a Leader

They say that when the cat’s away, the mice will play. This especially applies to the workplace, where employees feel they can give themselves luxuries they would never dream of when their boss is at the office.

This is why it’s vital to designate a leader in your absence who will be responsible for overseeing the workplace. Choosing a proven and trusted colleague will help you rest easier, and will let your employees know that work will resume as usual.

Limit Checking In

Although you may force yourself to get on a plane and jet to a new destination, you may not be as relaxed as you would expect when you return. That is because the majority of business owners can’t abstain from constantly checking in with their staff while on vacation.

It’s hard to lay on the beach or take an excursion when you’re constantly checking emails or  are on the phone. Plus, the more you make yourself available, the more your staff members will feel like they can reach out, even for non-vital matters.

Make it clear to your staff that you will only check in once every 24 hours, and that they can only defer to the leader if an emergency occurs and you need to be contacted sooner.

This will allow you to take true time off, while empowering your employees to make decisions without your input.

Slow Summers? Contact IOU Financial for a loan to help smooth cashflow, get winter inventory ready, or up your marketing efforts. We can approve you for up to $300,000 in just 24-48 hours.

 

4 Bad Habits That are Killing Your Productivity!

Do you often leave the office after a long day only to feel like you haven’t accomplished anything you set out to? If so, you are not alone. Although Americans are working longer hours than ever before, many companies are reporting lower productivity. To fight the workday slump, you must fix the following four bad habits that are killing your productivity:

Not Creating a Daily Agenda

The office is a fast-paced environment with many balls being juggled in the air at once. You can be prepared, and catch the most important balls that keep you on track, or you can be unprepared, and drop all the balls, causing you to fail to meet your priorities.

To maximize productivity, create and follow a daily agenda. Focus on the most pressing items to handle first—these can be projects with a short turnaround or matters for an important client.

List each task and write down the approximate amount of time to get it done. This will help you to move along and not get stuck on trivial details that will hinder your progress.

Personal Communication

Between our computers, tablets and smartphones, we are more accessible now than ever before. Stopping your work to check on an incoming text or browsing through social media to see what your friends did over the weekend is tempting, but it is a major productivity killer!

While it may be impossible to resist all forms of personal communication throughout the entire working day, limit it to your break times. Close all the windows to your personal email and social media accounts and silence your mobile until lunchtime, and just see how much more you’ll get done in the same amount of time!

Poor Diet

Mornings are a rush for everyone, as we try to do morning drop offs and handle the nightmarish commute, few of us feel that we have time to devote to a healthy breakfast. Most of us resort to a sugar-laden coffee and a bagel or doughnut to tide us over until lunch.

The problem is, many of us end up working through lunch, and get by on vending machine snacks to tide us over. What ends up happening is a sugar crash every few hours that leaves us tired, irritated and in a brain fog.

To promote energy and productivity, make healthy changes to your diet. Instant oatmeal takes less than a minute to make at home or in the office, and contains B-vitamins that metabolize energy. Or, grab a healthy juice full of vegetables, such as carrots and beets, that contain carbs easily digested for energy.

Sitting Too Long

Did you know that the very thing you think you must do in order to work is hurting your productivity? We are talking about sitting at your desk!

Research has found that sitting is not only bad for your posture and health, but it decreases energy levels. One source states that our bodies enter sleep mode when we sit, which leads to the following results: “your blood circulation slows and production of insulin, a hormone that helps turn food into energy, decreases.”

To fight these negative effects of sitting, you can take frequent standing and stretching breaks, switch over to a standing desk, or create a standing meeting policy at your workplace.

To make positive changes to your business, you may benefit from a small business loan (those standing desks are not cheap)! IOU Financial is committed to helping small and medium-sized companies thrive. Contact us today at www.ioufinancial.com to learn how you can qualify for a loan of up to $300,000 in one to two business days.