久久精品热在线观看30国产精品高清视频免费99re8在这里只有精品2招商银行:人口增长的道德意义

發布時間︰

  “那些婦人為何打架?”   霍去病輕笑一聲道︰“如果砍掉你的腦袋能夠讓我大軍找到正確的道路,我並不介意這麼做,只是殺了你也沒用,畢竟,人力有窮時!”久久精品热在线观看30   最早從跟隨霍去病,雲瑯從上林苑出發的軍卒不到一千八百人,在白登山就有四百多將士血染疆場,雲瑯不得已又從謝長川那里騙來了五百雄兵,總算是將缺少的兵員補齊了,結果,受降城一戰,又戰損八百多……国产精品高清视频免费   曹襄吃了兩口東西就把這個很不好的消息說了出來。   曹襄在馬車箱里咕咚一聲掉了下來,一張嘴,一口血就噴了出來,把準備攙扶他的家將噴了一臉血。99re8在这里只有精品2   一個小小的羊毛口袋數量的糾紛,一群婦人就在軍營里大打出手,出手之狠毒,下腳之彪悍,完全出乎雲瑯的預料之外。

As with the government shutdown before it, the costs of tariffs for Chinese imports on small businesses do not end when politicians say they do

20Jun

As the trade war between the US and China continues and billions of dollars in tariffs continue to weigh down the supply chains of America's small businesses, we may be reminded of another recent political decision that ended up hurting American businesses and workers most of all.

The cost of the shutdown

In the weeks following the end of the longest-ever federal government shutdown earlier this year, there was much talk of the cumulative effect that the shutdown had on the economy a permanent loss of $3bn, according to a Congressional Budget Office estimate.

While the losses that private sector businesses experienced during the shutdown were real and painful for millions of Americans, the CBO's analysis did not incorporate indirect effects, such as the lack of access to government-backed loans specifically, small business administration (SBA) loans.

SBA loans are considered the gold standard of small business loans. They are not funded by government money but dispersed by trusted partners and backed by a federal guarantee. SBA loans are important tools for small business owners who qualify: It is rare to find traditional loans with interest rates and repayment terms that beat SBA loans.

During the shutdown, the processing of SBA loan applications was forced to an indefinite stop. As days dragged into weeks, reality set in for small businesses: If you want to make investments in your business an expansion or renovation, new hires, refinancing you may not be able to wait.

Many did not. According to data sourced by Fundera, 11% of businesses that were ready to receive SBA loans these were businesses that passed FICO small business scoring service (SBSS) and would fund tomorrow if they could instead opted to get financing from a different source than the SBA during the shutdown. In all, 50% of businesses who started an SBA application with Fundera went on to submit loan applications for other products during this time period.

This is no small thing. Some business owners decided to move ahead without receiving the best funding possible. As a result, they may end up paying out more in interest rates and other fees, over a shorter repayment period.

The long-term impacts

In all, a wealth of opportunities may have been wasted, squandered or otherwise gone unrealized as contractors moved on, deals dried up and decisions were made to move ahead while small businesses missed out on more than $2bn in halted funding from the SBA.

Couple these lost opportunities to acquire affordable funds with the lost revenue from decreased demand during December and Januaryand many small businesses may now be mired in uncertainty rather than prosperity.That is because a business that qualifies for an SBA loan can stretch their debt and shrink their monthly payments. This frees up cash flow that they can put into their pockets, reinvest into their business, pay down additional debt, expand, grow, hire and ultimately have a better chance of success.

The SBA has reportedly been working hard on processing loan applications since the government reopened. But just as government contractors will not receive back pay, America's small businesses will be unable to return their less-optimal funding for SBA loans.

The cost of Chinese tariffs

A similar sort of uncertainty is playing out today thanks to tariffs on billions of dollars' worth of Chinese goods with the potential for even more tariffs in the weeks to come, covering every sort of Chinese import. According to a poll of 1,700 small business owners, 43% of businesses said that their costs are increasing as a result of the additional 15% duty tax they may need to pay on imports. Businesses which for years cultivated trusted Chinese manufacturers will now have to pay untenable prices for their wares or seek less experienced and poorer quality suppliers in countries like Indonesia and Vietnam.

Will these tariffs last through next month? Will they last through the end of this presidential term? Will they go another four years? Business owners can take out loans or find workarounds to mitigate the hits to their bottom lines, but at the end of the day, they will still pay a ton in tariffs, in lost business, in poorer quality that can kill their business over the course of a few short months.

Most politicians agree that small businesses are the engine of America's economy, as they make up 99.7% of US employer firms but long-term government shutdowns and supply chain price hikes stall that engine and force many of its components to halt entirely.

How a chart of accounts should be designed for hybrid erp small

Read next:

How your chart of accounts should be designed for hybrid ERP software

i