Why Choose Us

A Passion To Perform

Moving Through The Path Of Innovation To Adapt And Create Opportunities For Individuals To Fly As High As Possible. 

Personal

Understanding Your Needs To Scale Through Aspects And Provide The Best Possible Service. 

Corporate

Taking Charge Of The Corporate Bell To Help You Advance Through Finances And Make It All Count. 

Public

Raise The Stakes And Stand a Chance To Avail Everything, As We Are Here To Provide The Backing That You Deserve. 

Our Team

Financial Markets

Derivatives Markets

Making Suitable Inroads Into The Derivatives Market With Critical Financial Decisions And Other Related Methods Of Functionality.

Stock Markets

Understand The Different Aspects Of Functionality And Move Ahead To Create Effective Moves And Decisions At The Stock Market. 

Commodity Markets

Enter The Commodities Market And Enhance Ahead With Ease As We Stand To Help You Procure The Required Elements For Innovation. 

A Study Of Money And Investments

All You Need

Services

Banking

 

Investment 

 

Mutual Funds

 

Insurance

 

Wealth Management

 

Advisory

 

Testimonials

“Indem Co Was Able To Transform The Very Definition Of Finance As They Took Me To Great Heights Of Success.”
Sharon M. Danner
“The Many Services That They Provide Are All Well Equipped To Enhance Things And Take Them Forward Through The Economy.”
Derrick E. Lewis

Recent Updates

How Can You Qualify for a Small Business loan?

Business loan

Owning a company is different from running it successfully. When you are starting a small business, you need to have a well-thought-out plan that needs to be executed. Anyone with money in hand can kickstart a venture, but for it to be profitable, you need to put a whole lot of effort.  Small businesses are no different from the big ones when considering the finance that comes into play. Most people tend to apply for a loan when they want to start their business and fail to repay it due to the lack of profits. Lending money from banks for your business isn’t a bad idea as long as your plan is effective. If you are confident with your business strategies, you can go for the loans, but you need to know how it functions and what the lender’s requirements are. Here are a few steps that you need to follow in order to qualify for a small-business loan.

1.      Your Personal and Business Credit Scores

Building your score is crucial in bagging that loan; so, you need to make sure that everything you do contributes to your score. The amounts owed on credit cards, the duration of your credit, recent credit inquiries, type of credit being used, and the payment history are the factors that determine your FICO score. When you apply for a small-business loan, your skills to manage debt will also be assessed by the lenders through your personal credit score. Make sure to pay your bills on time to build your score, and this could go haywire at times as well due to the errors in the credit report. Get a copy of your credit reports every year to check for any inaccuracies. Both personal credit score and business credit score will need to be great for the traditional banks to lend you SBA loans or any other type of loan for your business.

Business Credit Scores

2.      Minimum Qualifications of the lender

You always stand a chance in getting the loan sanctioned when all the minimum qualifications of the lender have been met. Underperformance in a particular area and the overperformance in another may offer you the flexibility in some instances. However, it is always best to meet the minimum requirements so that the lender is pleased with your idea. A minimum criterion has to be met by the borrowers in terms of the credit score they earn, and if that falls short of the expectations, the lender is likely to reject the application.

3.      Collection of Financial and Legal Documents

Several legal and financial documents will be required during the application for a loan. If they haven’t been maintaining a certain standard, the lenders can reject your application after the qualitative analysis. Business licenses, balance sheet and income statement, income tax returns, commercial leases, personal and business bank statements, and articles of incorporation are some of the documents that are included in this list. If you need the money soon, this method might not work; so, you will have to apply for online loans that pay you faster, unlike the traditional banks that have time-consuming procedures.

How to Choose Stocks for Investment

stocks

Money runs the world today, and nothing but the printed currency can buy you what you want. If you want to anchor a position for yourself in this capital-driven world, saving and investing are the only practical methods. Starting from rags and growing up to a billionaire is a story for another day. Here, we are focusing on the psyche of an average employee from the working class. Everyone needs to take one step at a time towards financial stability, and saving should be your prime concern in the early days of your life. Once you have acquired a certain amount of money in your account, you need to start investing in some lucrative plan.

One of the first ideas that pop up in the head of almost every earning person would be that of stocks, but most of them would be equally sceptical about it. Not many youngsters know how the investment in stocks is made or what it can bring as returns. Once these people gain an understanding of its functioning, the next question that lingers is about the selection of particular stock to invest in. Here are a few tips that can help you choose the right stocks.

1.      Homework is Required

When people start investing in stocks, most of them go for the ones that have the potential to rise into a successful venture. The dividends that you get paid for the investment you make is a factor that needs to be considered when picking a particular stock. If you plan to hold on to that investment for a long time, you need to do your homework before opting for it.

Homework

2.      Learn About the Earnings Growth

Look through a company’s growth since its founding year and check its history of achievements. If the earnings have been increasing with time, you can set one foot over that, and check with the other companies that fare better than the current one. The dramatic increase in the revenue generation isn’t only the indicator of a good company; the ones that have been growing over the past few years with a gradual improvement in sales can also be added to your list of choices.

3.      Stability

One of the intrinsic features of the stock market is its volatility. Companies will eventually lose their value in the market at some point of time; so, the potential cannot be gauged with that possible downfall alone. Any company that falls along with every other business establishments and come back up soon with better strategies can be considered a good option. Learn about all the companies and invest in such enterprises that are resilient in nature.

Stability

4.      Relative Strength of the Company

When you are looking through the details of the company, an analysis of the relative position of that particular establishment in the industry is necessary. If the company fits into that industry and has a firm ground, you wouldn’t need to balk at the idea of investing in it.

5.      Debt-Equity Ratio

Debts cannot be the only parameter to check the stability of a company. Most MNCs and huge companies have debts; so, it is the debt-equity ratio that matters. Your choice of a stock investment should be in line with the norms of the industry under which that company falls. Pick the companies that have lower risk tolerance.

How to Plan Retirement Finances and Investments

Investments

By having no savings for your retirement, you are not securing yourself or your family for years ahead of you. Building a financial cushion to fund all your requirements is imperative right from the early stages. It may be a funny task to accept the fact that you are to retire after a certain age, and to add to the amusement of it, retirement requires planning. When planning for it, you need to start thinking about the age at which you are likely to stop working and the time you need to gather a certain amount of savings.

When investing money in any lucrative program, make sure that the concept of the program is a growing one. You can reap the benefits at a later age when you actually retire. But the part that comes as a surprise to many of these investors is the tax bills that get levied when the savings are withdrawn. All these factors have to be considered when planning savings for retirement. Here are a few steps that you must take to build a solid plan for your family after your retirement.

Investments

1.      Counting Every Minute on the Clock

It surely is a figure of speech, but you need to have a track of your time so that you know when to invest. The risk your portfolio can take will be higher when the time between today and retirement is longer. Stocks should be your major investment if you are in your 30s and have around 20-25 years left for your retirement. You may consider stocks to be a bad option due to its volatility, but it has always performed better than most of the other securities.

In order to maintain the purchasing power at the time of retirement, you need to get returns that outdo the inflation rate. This is very important since inflation can start out small and spread like wildfire all over your savings to burn down your money’s value over the years. When you are older, you need to focus on securities such as bonds. Break down your retirement plan into various components and check for yourself the areas that need to be covered at the moment.

2.      Spending Needs During Retirement

As the average life span of individuals as per the reports, everyone needs a robust retirement plan that can help the whole family. By determining the potential expenses during retirement, you can have a vague idea of what you will need. When considering the expenses, make sure that you aren’t omitting the extra healthcare costs and travel expenses. You could have plans to go on trips, which can be quite costly. Deduct charges that are likely to be imposed on you after the retirement and start investing accordingly. Since living expenses are increasing every day, the contingencies need to be added to your list. Additional money might be required if you haven’t paid off the mortgage or you want to pay for your children’s education.

The Right Way of Providing Investor Updates

Investor

With the uncertainty in the economy rising every day, businesses are plummeting into a different stage. Much like the current global condition of the pandemic, the economy is also facing an unprecedented state. Investors become morose by the minute since the value of companies are crashing, and the products are being accessed less often. As the online services are being focussed more these days, the other companies can find it difficult to cope up with the status quo. All investors are interested in getting updates regarding the business and the profits they are making. Some investors are even hell-bent on being updated about the financial status and deals every week.

Venture investments will have its pros and cons, and you have to face all that it entails when you are running the business. Once the investors have put money into the business, they will get involved in its deals, offer advice, suggest strategies, foster business development relations, and refer key hires. By providing them updates, you can get information regarding the right opportunities and challenges as the investors study the sales, HR and corporate development information, and several other data. Although creating updates and reports for the investors can be a time-consuming and hassling task, it can be beneficial for your business in many cases. So, here are the right ways to approach the practice of sending updates to investors.

Investor

Use the Traffic Signal light Codes

Since the structure of the update is one of the most important factors, you need to focus on keeping that intact. You need to come to an agreement with the investors upon the timeline for sending the updates. By maintaining the updates, the investors are expecting you to increase your business and profits, and it can only be done by using a specific template. Green on the structure will indicate the feats you have achieved, and the yellow indicates the investments you are sceptical about. The red indicates the ones you are likely to fail at.

Making  Specific Requests

Through the updates, you must try to make necessary requests for help. Anything ranging from creating new business-development connections and fundraising assistance to hiring referrals can be mentioned in the reports in a conspicuous form. The investors will try and make a difference with these points if they note it. They might do it despite the lack of time; also, since every minute counts, present it in the best form so that the investor doesn’t need to sift through the details.

Specific Requests

Being Honest

Investors have the ability to comprehend the situation the right way; so, you should express your concerns at the right time. Every investor will expect a certain amount of updates every year, and if the number keeps dwindling, they can come to conclusions about the future of the company. Be transparent about your company’s progress in your updates so that the investor has an idea where things are going wrong. They could help you out with the situation if you mention the apprehensions and main concerns within the company.

Contact Us

Get Direction

4881 Hedge Street
Piscataway, NJ 08854

Phone No:

908-646-8242

Email:

info@indemco.org

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