Archives for December 2019

When a lawsuit takes over your life, settlement loans can help you meet your obligations.

Are you trying to survive financially while seeking justice for a personal injury lawsuit? Just making ends meet when your life is on hold can be a daunting task. Perhaps you are living on Workers Compensation payments, or worse, are out of work altogether. Surviving the financial stress of this difficult time can be overwhelming. 

When a lawsuit takes over your life a select group of financiers is available to help you meet your obligations. They provide settlement loans, pre-settlement funding to keep the bills paid while your representation works on your case. Here is what you need to know.

What Is a Settlement Loan?

Injury lawsuits add incredible stress to an already difficult situation. In order to alleviate your stress, companies provide injury lawsuit funds prior to any settlement. This allows you to obtain money prior to the completion of the lawsuit. These loans are commonly called Pre-settlement Funding, or Settlement Loans.

• Consider the following questions when looking for a settlement loan.
• What is the rate you will be charged for your Pre-settlement funding by the Company?
• How fast can you really obtain your settlement loan advance?
• What additional fees will be charged on your personal injury advance?
• How long does it take to get your money from start to finish on your settlement loan?

RELATED CONTENT: ARE YOU CONSIDERING A PERSONAL INJURY CLAIM?

Contrary to the information on company websites, many settlement loan companies don’t provide low rates on lawsuit advances. These lawsuit cash advance or settlement loan companies charge an interest fee to underwrite your personal injury lawsuit loan.

Top Settlement Loan Companies 

Here are the top settlement loan companies offering lawsuit funding.

Mayfield Settlement Funding

Mayfield Settlement Funding isn’t a huge company like some of the others. However, they have full-time agents in house and ready to fund immediately at good rates. Their customer service reviews are incredible. According to reviews, Mayfield Settlement Funding meets the expectations of customers a majority of the time. The settlement loans are non-recourse – the advance does not need to be repaid if the case does not settle. 

Mayfield does not shop around your loan like many of the other companies. They offer same day pre-settlement funding within 24 hours of application. Unlike many other providers, Mayfield Settlement Funding specializes in settlement loans primarily and not a large number of other products.

PeachTree Financial Solutions

PeachTree gets great reviews online and offers few delays in funding turnaround time. They are located in Pennsylvania and have been offering settlement funding since 1996. From our research, they have good rates and competitive, fast service. 

PeachTree also offers products for annuities, structured settlements, lottery, and other financial advance services.

Nova Legal Funding

Nova Legal Funding offers a clean and cutting edge website with an easy application process. The company resides in California and they have quality reviews on TrustPilot as well. They mention on their website that rates are on a case-by-case basis, so this will have to be researched by the consumer. 

Oasis Legal Funding

Oasis Legal Funding is another litigation funding and pre-settlement loan company with quality reviews. They were started in 1996 and have a large online presence. While we were not able to confirm their rates, they are a leading provider with a happy client base!

This provider also offers non-recourse settlement loans.

LawCash

Law Cash is based in New York. They provide a user-friendly online application to initiate your funding process.  In addition, they offer non-recourse settlement loans so you don’t need to worry that your advance might not be repaid in the unlikely event your case doesn’t settle.

Settlement Loans Wrapped Up

All these companies receive excellent customer reviews and provide fast lawsuit funding compared to other companies. They all offer non-recourse settlement funding services, so you can rest assured that you are getting a safe advance for your lawsuit.

The major benefit of utilizing settlement lawsuit funding is endurance. Proper funding can close the gap of financial distress that might cause you to settle too early. Your lawsuit funding advance can increase your settlement amount while your attorney negotiates or fights your case.

Cover your bases by researching each company. Your financial health depends on your being well-informed and well-supported.

This article was contributed by Dataflurry Law Firm Internet Marketing, a legal content marketing and SEO services company.

For many businesses, an IT team represents the oil on the machine. Without in-house IT support, there’s no one to take support calls and no one to help with new hardware. You also have no one to tell you what’s possible when your growth relies on having the right tech in place.

Feature Photo by Lukas from Pexels

The trouble is, IT teams cost a lot of money. Many small businesses just don’t have the capital needed to grow and have a team of IT experts keeping the technology gears moving.

So, is it possible to cut back on your IT costs? Or will doing away with the need for an in-house IT team hinder your business?

We’ll look at the options.

Pros and Cons of In-House IT Team

Whether you are considering the feasibility of a new business or you’re looking at ways of growing an existing business, you won’t be alone if you are suprised at IT costs. However, an in-house IT team is no longer your only option when it comes to IT support. If you can track down a well-managed IT service provider, you’re likely to save yourself money and still receive cutting edge tech support.

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This might sound as if an in-house IT team is an inherently bad idea. However, that really isn’t the case. If you have the option of an incredibly talented in-house team and you can afford it then it can make a lot of sense.

The trouble is, very few businesses can justify these kinds of costs. We’re not just talking about small businesses. There are government departments and major names in commerce that have decided to outsource their IT support.

So, why do they (and millions of other businesses) do it?

Recruitment

Make sure you’re comparing like-for-like. Compare the process of bringing onboard a new IT team with the cost of outsourcing. First, consider the investment of time on your part. If you’re lucky, your recruitment process will extend only to 12 weeks. This includes the notice that new-hires must give to their current employer. It is not uncommon for this timeline to stretch into more months out of your year, especially since IT managers are often contracted to give 3 months’ notice.

All in, you should expect recruitment to cost your business around $3,000 – $5,000 per hire. Since most small businesses are going to need at least 2 members of IT staff, that’s going to be between $6,000 – $10,000 before you’ve done any induction training. Even if you’ve got that money sitting in the bank at the moment, the real question is; does this represent the very best way to spend it?

What’s the Alternative?

Using a managed service provider (MSP) is unquestionably the most cost-effective way of doing things. But should you be focusing on cost alone? Realistically, probably not. After all, if you bought on cost alone, you could outsource your IT support to non-English speaking, non-US based freelancers and take on all the challenges associated with their services.

The great thing about using a managed service provider is that their costs are understandably lower. They work with a large number of clients and have low overhead costs. They may still offer excellent service, but their cost represents an economy of scale.

RELATED CONTENT: 10 TIPS TO BETTER OUTSOURCING

For example, a well-managed service provider might have a monthly wage bill of $250,000. That is completely out of the reach of small businesses. However, when freelancers or managed service providers work with 150 small businesses, the shared value meets the income expectations of IT professionals and provides excellent support to clients.

How Much Time Do You Need?

If you’re worried about an MSP not paying your business enough attention, don’t be. In reality, a small business actually has a very limited requirement for IT support and maintenance time.

With this in mind, you might be wondering why we initially suggested a minimum of 2 full-time members of staff if you were going to build your own team. The answer is fairly obvious; while your IT requirement will come in bursts, your employees’ contracts won’t. So, you’re going to need to keep your team employed, even if they’re not actively working on anything at any given moment.

This represents another big plus for using a managed provider. Sure, they might not be sitting next to you in your office, but you’re only paying for what you need. While they’re away working with other clients, they’re sharpening their skills, too. The result? You’ve got a part-time IT team that’s constantly up to speed with the very best practice in the industry.

This is enormously useful for small businesses because it means you’ve got access to cutting-edge knowledge whenever you pick up the phone. Are you keen to understand what SD WAN could bring to your growth plans? Maybe you’re interested in building a hybrid network that’ll allow you to put staff on the road? Whatever your requirement, your managed service provider will have done it already and they’ll be ready to help you put together a solution of your own.

Running Without an IT Team

Realistically, no company is going to be able to run without an IT team. If you do, your luck will run out pretty quickly, especially when you consider how many cyber-attacks occur around the world on a daily basis.

So, having a good, reliable, and knowledgeable team on board is a must. You just need to ask yourself whether you’d like that team to be in-house with all the costs and logistics that go alongside that or based in the office of a managed service provider. When there’s the kind of world-class knowledge that will put you ahead of your competition for less than you’d pay in-house, it’s clear to see why so many businesses are choosing to outsource.

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Since 2017, the number of people who have been buying cryptocurrencies such as Bitcoin has increased significantly. If you’re considering joining their ranks, this article posits guidelines that can safeguard your investment and protect your sanity.

The Crypto Market Is Poised for a Huge Boom

According to current predictions, the cryptocurrency market is set to witness massive growth in the first few months of 2020. In fact, John Mcafee predicted that Bitcoin (BTC) will be valued at $1 million by the end of 2020. This would give it a total market capitalization of $15 trillion, which is bound to attract new investors.

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Are you ready to start buying cryptocurrencies, too? Then make sure to follow these golden rules to safeguard your investment.

Study Cryptocurrency Properly

Before taking the plunge, you need to have a clear understanding of how cryptocurrency works. Buying cryptpcurrencies is completely different from making investments based on the workings of a fiat currency.

For example, the number of cryptocurrencies is limited. Therefore, their price is wholly dependent on the market’s demand and supply. That is, if the demand for buying the currency increases, the price rises as well. On the other hand, if more people want to sell their shares, the price decreases.

Additionally, there are a number of different cryptocurrencies available on the market. Each one has its own perks and drawbacks. Therefore, before buying any cryptocurrency, conduct thorough research to select the one that best suits your needs.

To get you started, Wikipedia offers a list of cryptocurrencies with basic information. Click here to study that list before buying any cryptocurrency.

Next, study in detail the performance of your chosen cryptocurrency. Learn the reasons why the currency’s price soared previously or why it has the potential to increase in the future.

This will give you an idea of the most suitable time to buy your chosen cryptocurrency. Once you get a clear idea of the recent patterns the currency’s price has followed, it will be easier for you to understand if it is the right choice for you.

Further, sites like Is-Scam Website can help you stay aware of the latest goings-on in the market.

Avoid Impulsive Buying and Selling

After selecting a particular cryptocurrency, use data analysis to study the patterns of change in the price of your chosen cryptocurrency. This will help you determine the best time to buy it.

Next—and this is important—after you have bought your cryptocurrency, don’t make the mistake of following the charts obsessively.

Of course, you want to follow your cryptocurrency’s current price in the market. However, you must keep in mind that all cryptocurrencies are extremely volatile. In other words, there is a high possibility that, right after you buy it, the price of your cryptocurrency will either rise significantly or fall drastically.

Moreover, it is almost inevitable that your nerves will be on edge right after you buy a new cryptocurrency. In such a condition, if you see the price rise higher, you might be tempted to invest more in order to earn higher dividends.

On the other hand, if the prices fall, you might succumb to fear. Afraid of losing all your money, you will sell your share at a very low price.

In either case, if you impulsively decide your next course of action based on these prices, you will be falling into the trap of carelessly buying and selling cryptocurrencies on a whim. However, the best practice is to avoid checking the charts for at least for twenty-four hours after your transaction.

RELATED ARTICLE: THESE 4 EMOTIONS LEAD TO INVESTING MISTAKES

Avoid Selling and Buying Cryptocurrencies on Weekends

The cryptocurrency market, unlike the traditional stock markets, does not close on weekends. It is fully functional around the clock. However, it is advisable to avoid buying and selling cryptocurrencies on weekends.

Because many investors are eager to follow developments in the crypto markets even on weekends, the market is much more volatile on weekends. However, the volume of trading for Bitcoin and altcoins is much lower. Therefore, the market is difficult to predict on the weekends.

While you might gain good profit from buying and selling cryptocurrencies on the weekends, the possibility of suffering a large loss is equally high. Therefore, it is better to take a break from trading Bitcoin and altcoins on weekends. Conserve your energy so you can make better investments in the week ahead.

Devise a Decision-Making Process for Buying Cryptocurrencies

There is a plethora of channels where you can get information about the various cryptocurrencies. This gives you an opportunity to consult multiple sources before you make a decision on your investments.

However, excessive information about buying cryptocurrencies can do more harm than good. It will force you to weigh in on the contradictory sets of information you find, for example.

It is better to train yourself in the technical analysis of Bitcoin and altcoins. Doing so will make it easier for you to form your own opinions and determine the ideal time to buy cryptocurrencies. Also, before you make your investments, select some relevant and trustworthy sources of information and refer to them in the future.

Try this decision-making process for several trading cycles. If it proves to be successful, stick to it whenever you’re buying cryptocurrencies. But if, as you gain experience, you feel you can improve it for better returns, feel free to make changes.

Set Buying and Selling Prices—and Stick with Them

When trading Bitcoin or altcoin, many experts urge you to follow the maxim, “Buy low, sell high.” However, if you follow this strategy to the letter, you could be tempted to wait too long before buying new cryptocurrencies or selling off the ones you already possess. This can prove disastrous and put your investment at risk.

As we mentioned previously, the cryptocurrency market changes rapidly. Prices can change drastically within only an hour. If you wait too long, you might miss out on an excellent trading opportunity.

Therefore, it is better to set certain limits for yourself for buying and selling cryptocurrencies. Then try to stick to these limits in every trading cycle.

However, as you gain experience, don’t hesitate to change these limits as and when you feel necessary. After all, the limits you decide upon should be based upon recent developments and requirements.

Set up Blocks of Time for Conducting Trade

The cryptocurrency world never sleeps. Trading takes place around the clock every day of the year. As a result, some investors fall into the trap of following the prices of Bitcoin and altcoins all day every day. However, by continually checking market conditions, they set themselves up for a great deal of stress.

Don’t do this. If you are under stress, you won’t be able to concentrate, and you will therefore be less able to make wise investment decisions.

Instead, set up blocks of time during the weekdays when you will conduct your trades. Devote the rest of your time to everything else your life. Be sure to include relationships, self-care, and time for recreation in that mix.

In this way, you can stay on top of any new developments in the market and make wiser decisions about your investments.

RELATED ARTICLE: 6 THINGS SUCCESSFUL ENTREPRENEURS DO EVERY DAY

Enjoy Greater Profits by Following These Rules for Buying Cryptocurrencies

Just as in every other trading market, finding success in the cryptocurrency market is all about your research and your understanding. But if you follow these rules while buying cryptocurrencies, you will make more profitable investments more often.

For more ideas and inspiration written especially for entrepreneurs like you, be sure to visit our blog often.

Being an entrepreneur means you’re always juggling multiple responsibilities. Whether it’s chasing payments, generating leads, or administrative tasks your job is never done. Getting organized helps busy entrepreneurs like yourself manage the growing complexities that come with being in business.

Here are five tips to help you get organized and tackle all the tasks on your to-do lists:

FeaturePhoto by Humphrey Muleba from Pexels

Utilize Digital Tools Whenever Possible

Hopefully, you’re already using digital tools for managing your business’s goals, projects, and tasks. Try to find digital tools to manage the time-consuming administrative aspects of running your business. As the adage says, “work smarter, not harder!” Digital tools are a busy entrepreneur’s best friend.

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For example, a digital voicemail service can use voice recognition technology to transcribe messages and send them to you via email or text message. This saves you minutes in your day to listen to and write down voicemail content. You can even set your phone to read your voicemail text messages while you’re driving.

Another useful digital tool is electronic invoicing software. If you’re still using manual invoicing methods, it’s time to switch. Ariba points out several benefits of using e-invoicing software. These include fewer errors, improved cash management, stronger contract compliance, faster processing, and web-based access to status updates. Clients prefer an easy way to view and pay their invoices. This also means that your clients will more reliably pay invoices on time and will improve your cash flow.

Differentiate Between Tasks and Goals

If you’re not achieving your goals – or if you’re achieving them too quickly – your goals might be too vague or too specific or they might actually be tasks. Sometimes the difference between goals and tasks is confusing. For instance, acquiring 10 new leads by the end of the week is a goal, but making the phone calls to get those leads is a task. The calls are tasks, while the ultimate purpose of making the calls, such as building a new client base, is your goal. As a general rule, tasks are things that can be completed in several hours and goals are more long-term. Goals are usually the end result, not an action. 

Busy Entrepreneurs Delegate

You might be the only person who bothers to clean the glass plate in the microwave, but that doesn’t mean you should be cleaning the kitchen in your office. That is a job a busy entrepreneur must delegate. Peter Economy from Inc.com recommends taking the time to plan your delegation strategy. Make sure you delegate tasks to the right people. Engage employees who get things done according to your company standards. Make sure each person taking on a task is reliable. 

Don’t delegate everything. For instance, don’t delegate tasks like performance evaluations, disciplinary actions, and sensitive matters. However, calling clients to make payment arrangements, getting a booth at an upcoming trade show, and organizing a fundraiser are all examples of tasks you should delegate.

Most importantly, give people enough authority to complete the tasks you delegate. Don’t leave people hanging without the ability to make decisions to spend a little money, consult with others, or represent your company when needed. Delegating tasks will result in more engaged and productive employees and more time for the important work that only you can complete.

Prioritize

It is impossible to get everything you want to accomplish done in one day. There will always be leftover tasks on your list when you go to bed. The key, according to multiple entrepreneurs, is making sure the leftover tasks aren’t priority tasks that did not meet deadlines.

Rather than making a long list of tasks and plowing through them one-by-one, look at your tasks for the day, week, and even the whole month and prioritize them. This helps you handle the tasks that are critically linked to time-sensitive goals quickly. The rest can wait.

Time is Limited, Even for Busy Entrepreneurs

We all have the same 24 hours in a day, but that doesn’t mean you have 24 hours to get work done. Time is limited and it’s crucial to strictly manage your work hours for each day.

Start limiting other people’s access to you during your working hours. Don’t take unscheduled phone calls. These waste precious time and can distract you from your prioritized tasks. Schedule your tasks to be performed at a specific time. Then, keep track of your time. This will help you identify ways to increase your efficiency.

Once you organize your time and prioritize your tasks, you will experience a reduction in stress and an increase in productivity. In fact, you will ultimately have more free time to spend however you wish.

Getting your real estate license is a fun and exciting way to start a new career. But what can you do when you’re looking for a fresh start to cover up a jaded past? If you have a felony conviction on your record, you may be wondering about whether you’ll be able to qualify. A felon in real estate may seem like a long-shot for beginning anew.

Feature Photo by PhotoMIX Ltd. from Pexels

Have no fear. The presence of a felony on your record doesn’t necessarily prevent you from starting over. You have an opportunity, just like everyone else. Here’s how.

Getting Started

Taking courses for your real estate license can all happen online. This allows you to complete your necessary education anywhere and on your own schedule. If you want to start a new career, becoming a real estate agent is a fantastic option.

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Disclose to the Real Estate Commission

Speaking with the real estate commission will give you a better idea of your ability to qualify for a career as a real estate agent. In most cases, if you disclose the felony conviction as required, you will still be eligible. A felon in real estate is not unheard of. However, it can’t hurt to do a little research before your official interview.

The commission can give you a better idea of whether it’s worth putting in the time and effort to become an agent. While it’s not likely that a felony will hurt your chances, it’s nice to know upfront before spending the money on licensing courses and exams.

Letting them know about your situation also shows integrity and demonstrates good moral character. These details are crucial steps in the process of qualifying for a career as a real estate agent.

Disclose Your Felony

Every state requires you to be of good moral character when starting a career in real estate. This may seem counter-intuitive to being a felon in real estate. Your first step to proving your potential is to disclose your felony conviction from the start. Explain your specific conviction to the commission and the circumstances surrounding it. 

You have to be forthright about any actions that were either illegal or unprofessional, even without a felony conviction. You’re not going to be the only person who divulges a checkered past.

What you say won’t automatically disqualify you from a career in real estate. However, refusing to disclose this information could lead to a forfeiture of your license later. Better to be forthright than to hide the information about your conviction.

The real estate industry requires professionals who are honest and trustworthy. If you pass your licensing exam and become certified, you’ll need to be able to meet the responsibilities and obligations of the profession for the benefit of your clients. These obligations include full disclosure of home sales. So, it’s essential to demonstrate your ability to disclose information about your past so that you are proven to be honest.

Determination of Character

Before you sit for the exam, you will be asked to disclose any relevant information. You may also be required to submit fingerprints or background checks so that the information you provide can be compared to state records. A determination of your character will be made based on how this information corroborates your previously shared history. 

RELATED CONTENT: BACKGROUND CHECKS – A HIRING ESSENTIAL

It doesn’t matter what the felony or misdemeanor conviction involved. You will be required to disclose it if you want to be considered for a real estate license. In other words, you will threaten your chances of qualifying if you do not disclose. Also, your license may even be revoked later if a determination of character is impossible.

While a felony conviction is a serious offense, it doesn’t prevent you from having a fresh start. In order to be a felon in real estate, you must demonstrate earned integrity. This will help the state determine your character. The qualities you exhibit when disclosing your personal information will prove you are honest and trustworthy. 

When you have already paid your debt to society and you’re honest about your past, you have a chance to start over in an exciting career full of opportunities.

Sole traders with in-demand skills, entrepreneurs with big ambitions or small business owners with a niche market or product can all find success in Manchester. Known as “the Original Modern City,” Manchester has a long-held reputation for commerce and industry. Business in Manchester is booming. You can take advantage of the many benefits of starting up in this exciting city.

Featured Photo by Artem Beliaikin from Pexels

Manchester boasts a successful business reputation that still holds true today. Approximately 26,000 businesses operate in the city. Together, they provide a thriving economy for its population of 530,000. Manchester is the sixth-largest city in the UK.

So, how do you break into the business community in Manchester? Let’s take a look at how to go about building and growing your business in one of the UK’s most exciting and vibrant cities.

Location for Your Business in Manchester

Manchester has plenty of commercial property in and outside the city center. The Northern Quarter is home to many of the region’s creative and digital businesses, as well as specialty retail stores, restaurants, and bars. It has a range of flexible office spaces to hire.

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Spinningfields, the city center of Greater Manchester, also has flexible office space. Plenty of big brands, banks, and other corporate operations make their home in this vibrant area. In addition, you may take advantage of the many co-working office spaces available, such as the new co-working office container development at Pollard Yard.

Outside of the city center, business parks provide commercial real estate of all kinds. Of particular interest are spaces that rent by the desk for maximum flexibility. Consider factors such as accessibility, travel links, digital provision, and other available services to best serve your preferred customers.

Financing Your Business in Manchester

Most businesses will need some financial assistance to get the wheels in motion. Because of Manchester’s incredible business community, financing is available in a variety of ways. Much of the available funding is underwritten by a combination of public funds and angel investment. For example, the Business Growth Company in Manchester connects businesses to various loans and funding sources. Apply online to get the ball rolling.

RELATED CONTENT: FUNDING OPTIONS IN THE UK FOR STARTUPS

Take Advantage of Support

The Business Growth Hub is a government-supported non-profit which provides a wide range of business services to entrepreneurs in Manchester. These include business mentoring, property finder services, access to finance, networking and training. Many of these services are publicly-funded and free to businesses that use them. In general, this business development and support services are available to all entrepreneurs, sole traders, and SMEs in Greater Manchester. 

Networking Your Business in Manchester

Whether you are looking for partners, suppliers or customers, business networking is a worthwhile practice for success. Several Manchester organizations offer opportunities for entrepreneurs to connect. The most obvious is the Greater Manchester Chamber of Commerce, which also offers a wide range of other business services, such as training, lobbying, recruitment services, and flexible working space. You can sign up for membership online and immediately engage with networking events, courses and other services of interest. 

Another organization, Pro-Manchester hosts similar member-to-member networking events and has a specific small to mid-size enterprise (SME) offer which is well worth investigating. 

Building the Right Team

Manchester is filled with recruitment agencies, including many who specialize in particular sectors or fields. This gives any business in Manchester an edge for developing an enthusiastic and successful team. A significant percentage of these are located directly in the city center and are national branches. There are also non-profit agencies that source people for temporary work (such as catering or event support) and do not charge a fee for these services. 

Consider the non-profit recruitment agency Aspire, an “award-winning . . . ethical recruitment agency” for your recruitment needs. Furthermore, you may consider the Manchester Convention Centre’s regular recruitment events and graduate talent from the local University.

Apprentice Advantage

Apprentices are a great route to bringing fresh young talent into your business in Manchester. The city has a long tradition of training up-and-coming professionals through apprenticeships in local businesses. Apprenticeships are available across dozens of sectors and employers can gain funding and support to train existing staff through apprenticeship frameworks. There are also apprentices looking for employer placements. Research organizations like Skills Solutions and Trafford College for your apprenticeship needs.

Selling Products in Manchester

If you have a direct retail model, you’ll find everything from high street premises to pop-up stores and stands in retail hubs such as the Triangle, Northern Quarter and Arndale. There are also regular markets and trade shows across the city and its surrounding boroughs. 

A large number of businesses operate e-commerce models, making use of the warehouse space and excellent transport and communication links that facilitate logistics models. Dropshipping warehouses are also located in the various boroughs of Manchester. For instance, Trafford Industrial Estate which is just next to Salford Quays is just a short drive out of the city center.

Running a business in Manchester offers unparalleled opportunities for entrepreneurs. As a thriving industrial city, it also has immediate access to customers and the marketplace that are essential in driving long-term success.