Noble Fund Should You be Concerned

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Примеры готовых предложений с fund is concerned из вдохновляющих источников на английском языке

Britain’s Universities Superannuation Scheme, a £20 billion ($36 billion) pension fund , is concerned about executive pay packages that encourage short-term boosting of earnings per share.

As far as the fund is concerned , “We are looking to spearhead a major shift in how resources are allocated to our generation, because no one from above is going to do it,” he says.

Managing Director Dominique Strauss-Kahn said in Nairobi that the fund was concerned about the huge amount of money needed and the effect that would have on the global economy.

“That hedge fund was concerned about its exposure to the banks,” Mr. Tourre said, explaining to the jury that usually it was banks that were concerned about the health of hedge funds.

The Fund was concerned that a Chinese devaluation would have dealt a crushing blow to the other Asian countries, which were just beginning to feel the benefits of their currency depreciation through their exports to the West.

But as far as funding is concerned , the Singaporean government seems more generous with its capital.

“There should be no impact as far as funding is concerned ,” said Trent Duffy, an O.M.B. spokesman.

“What I want to say today is as far as school funding is concerned , Kevin Rudd and I are on a unity ticket,” Abbott said.

“The bottom line is that while parks have an obligation to preserve these structures,” said Randall Biallas, chief historical architect at the National Park Service in Washington, “they’re sort of at the bottom of the list as far as funding is concerned .

Noble Funding Review

Noble Funding provides a range of lending options for small businesses. It offers high-interest, short-term loans and also works with various other lenders to pair small businesses with the right funding. While it functions as a loan coordinator, Noble also provides funding through its own programs. These options include traditional invoice factoring as well as A/R credit lines. Based on customer service and reputation, commitment to finding the right loans, and lending experience, Noble Funding earned our best pick for Best Alternative Lender for invoice financing in 2020.

Noble Funding

The Verdict

Noble Funding is our pick for best alternative lender for invoice financing. Its offering is ideal for small businesses, but depending on what you need, other loan products may be better.

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To view all our recommendations for small business financing, visit our best picks page.

Invoice Financing Services

The invoice financing loan from Noble breaks down into two types: invoice factoring and A/R credit lines. Traditional invoice factoring can be set up through Noble Funding for smaller businesses looking to get an advance on their invoices. Noble told us that the A/R line of credit offering is suited for businesses with 90-day accounts receivable at $500,000 or more.

There are some differences between the overall structure of each offering, but the goal is the same: Improve cash flow by getting an advance on outstanding receivables. Invoice financing is ideal for small businesses with large outstanding invoices. The company can help you get funds up front so you can better manage cash flow and invest in your business’s growth. Noble will partner you with a bank and you can get an 85% advance on outstanding invoices. Some industries, like trucking, will qualify for a higher percentage like 90%.

Rates and Terms

The overall structure of invoice factoring involves a discount rate. Instead of an interest rate, this 1 to 3% fee is taken as each invoice is paid off. Depending on what kind of agreement you sign, this rate may fluctuate as invoices remain unpaid, though it will stay in this range. In addition to the bank’s discount rate, Noble gets a fee at the time of the funding. This fee is usually around 3% of the total amount, but the sales representatives we spoke with said the company would accept 1% for our business.

Business with 90-day receivables over $500,000 can qualify for an A/R credit line. This invoice financing loan product functions like invoice factoring, but it is a line of credit. You borrow a certain amount against your accounts receivable and can draw on that amount as needed. Noble sales representatives described it as a revolving line of credit, meaning that the amount you can draw will fluctuate as outstanding invoices move up and down. The A/R credit line has a more complex fee and rate structure and is ideal for larger businesses.

Another reason why it may be harder to take out this type of loan is because your business needs to have strong, reliable collection and invoicing processes in place. As your company is evaluated by banks and companies like Noble, they will assess these processes and financial documentation to understand if an A/R credit line is right for your business.

In addition to a solid A/R line of credit offering, Noble provides and arranges several other types of business loans. Businesses can take out long-term traditional loans, cash advances and unsecured business loans, as well as equipment financing, inventory loans and purchase order financing. Rates and terms vary highly depending on your business’s financial situation, but it’s good to know that there are various other loan products if you don’t qualify for an A/R line of credit, or if another option makes more sense for your business. For instance, long-term loans have rates starting at 9.99%, and terms ranging from three to five years. Fast cash business loans can be granted for up to $2,000,000, and can be issued in just two to three days. The variety of loan products makes Noble a good alternative lender for small business owners.

Company Features

In addition to solid terms and rates, Noble provides other features that make its loans a great option for business.

Loan Process

The loan process with Noble starts when you contact the company for a quote. A Noble sales representative analyzes your business’s financial history and will establish an overall offer. Depending on what type of loan you decide on, it will match you with a bank and help facilitate the loan process. You’ll likely have to provide basic business information and financial documentation that proves you own the business and that you have income required for a loan. Once you get an initial quote, you’ll be able to formally accept the proposal and continue with the loan process.

The terms on invoice financing aren’t like traditional business loans. Instead of paying off principal and interest for a set amount of time, the term extends until the factoring or line of credit finishes. In other words, there’s generally no defined term. Businesses have to pay back their loan as money comes in from the outstanding invoices.

Qualifications

There are two baseline qualifications to get financing. The first is that the unpaid invoices must be at least 90 days old. Second, they must total at least $500,000. From here, your business’s financial history will determine the overall rate on the line of credit.

For invoice factoring, Noble can work with just about any business size. Noble representatives told us that personal credit scores don’t factor heavily into the decision-making. The one major issue that could prevent a business from obtaining a loan was if a lien was placed on a business’s assets. However, it’s important to note that banks often look at your customers’ financial operations and credit history through a third-party credit check. This allows the organization to assess the financial stability of your customers and get a better idea of your customers’ reliability when it comes to repaying the loan.

Noble said that if there are some customers with a rocky credit history, banks may not finance those customer’s invoices, but you can still get funding on your other customers. Otherwise, Noble can work with you to get the right loan for your business’s size – whether that’s an invoice financing loan or another type of loan that Noble can facilitate or offer.

Collateral

For the invoice factoring loan offering, your accounts receivable function as collateral. Banks will also place a UCC-1 filing on your corporate assets, which helps secure the loan for the creditor. You won’t have to put up personal assets to get an invoice financing loan with Noble. Instead, a UCC-1 filing will be placed on some business assets, which serve as collateral in the event you default on the loan. This filing can either be placed on certain assets or as a blanket lien.

Time Until Deposit

Once you’ve been approved, your payment can be issued in as little as two to three days. The overall process should take under a week, depending on how much you’re asking for and your business’s financial history.

Special Documentation

For invoice financing loans, you’ll have to provide documentation to verify that you’re a majority holder in the business and that your business can financially support the loan.

In general, it’s a good idea to have all your financial documentation ready, including copies of your photo ID, business address verification and financial statements, before you talk with a bank. If you have questions about what information you’ll need to provide, ask your Noble representative, and they can set you on the right track.

When to Use This Type of Loan

Invoice financing is ideal for small businesses that have a lot of outstanding invoices. It allows you to get the cash from those invoices upfront for a manageable fee. Noble’s offering functions as a line of credit, so you can draw on your outstanding invoices and use the cash as you need it. This type of funding can be used for any business-related expense. This includes marketing or advertising, hiring a new employee, covering payroll, expanding your business, acquiring another business, buying new equipment or business materials, and managing cash flow. If you’re interested in other, more long-term loans, Noble also provides these for small businesses.

Reputation and Customer Service

Noble Funding is ranked as an A+ business with the Better Business Bureau. There weren’t any individual reviews of the company on the site, but we found good reviews of the company on various other websites.

To evaluate Noble’s customer service, we posed as a small business owner and spoke with several company representatives about its loan offerings. In all instances, Noble’s sales team provided us with the answers we needed. They helped us get an idea of the overall offering, and even pointed us to other lenders and types of loans that made more sense for our business. The representatives were friendly, and at no point did they try and push us to sign an agreement or convince us to take on a loan that wasn’t ideal for our business.

Based on our hypothetical business’s finances, Noble representatives suggested invoice financing. One element that impressed us is that representatives made it clear that they not only wanted to help us find the appropriate type of financing, but they wanted to match us with a lender that would grow with our business. Representatives also provided contact information via email so we could follow up when our business was ready. They also offered to answer any questions at any time, either over the phone or through email. Overall, we were impressed with Noble’s customer service offering.

Limitations

Noble Funding doesn’t provide a lot of detailed information about each type of loan on its website. This is a minor drawback, because it does list some basic information about each product on its site. It has general amounts and some qualifications for small businesses, but in terms of rates or specific loan offerings, there isn’t a lot of information available.

Other than this minor limitation, Noble has a compelling offer. It provides businesses with a range of suitable loan options and manageable qualifications.

Editor’s Note: Looking for a small business loan? Click the Compare Quotes button below to have our sister site Buyer Zone connect you with vendors that can help.

Should Insurers Be Concerned About Litigation Funding

Though third party litigation funding has just started to grab headlines in the U.S., the funding method has been used in Europe for some time.

According to Jonathan Molot, chief investment officer and co-founder of Burford Capital, people in the U.S. didn’t see a need for litigation financing because lawyers can get contingent fees, whereas in England it was a necessity because up until recently lawyers weren’t allowed to work for a share of the recovery.

Also, while personal injury and class action lawyers work for a contingent fee – they don’t get paid unless they win – commercial litigators generally don’t work that way, said Molot, a former practicing attorney and current Georgetown University Law School professor.

The third party funding vehicle was reconsidered in the U.S. in order to enable commercial disputes to be brought by businesses, he said.

Molot has studied how commercial parties, both plaintiffs and defendants, handle litigation risk. He identified a problem that can happen for both sides if there is a lack of resources to pursue litigation.

“I guess on either side, the problem is where there’s an imbalance between the parties in resources or risk preferences. That one party can afford to go to trial and the other party can’t,” Molot said.

He formed Litigation Risk Solutions to focus on situations where litigation risks were interfering with business –such as when a merger or deal between companies is hampered because the company being purchased or acquired is involved in litigation.

Soon after, he formed Burford Capital, which looks at both defense and plaintiff risks.

Use of Third Party Funding Rising

Although third party lawsuit funding vehicles are likely on the rise, there’s no way for an opposing party to know for sure, according to a 2020 paper published by the National Association of Mutual Insurance Companies (NAMIC).

We think that it is on the rise, although one of the difficulties with this issue is that…we don’t really know. If one is up against a plaintiff whose lawsuit is being financed by a third party litigation funder, one usually doesn’t know that,” said Robert Detlefsen, vice president of public policy for NAMIC.

In most instances the court doesn’t know whether a third party funder is financing the litigation either.

“That makes it difficult for us to know just to what extent, how prevalent it is, or whether it’s on the rise. We think so, but we don’t have figures, and we don’t know,” Detlefsen said.

States Taking Action

Though a few bills have been introduced by states attempting to address third party litigation funding, there are currently no states that ban it outright.

Detlefsen points out there are two types of third party litigation lending.

“In principle, they’re very much the same, but in practice they tend to operate somewhat differently. They have different actors involved, and they tend to apply to different types of lawsuits,” said Detlefsen.

He said bills introduced thus far have mainly addressed the type of third party litigation loan that is utilized by either lawyers or plaintiffs themselves that are involved in relatively small claims litigation.

“Usually the suit, it’s a slip‑and‑fall type of a thing, or very often it’s an auto accident case, and the loan is made very often directly to the plaintiff in the case, but usually for an amount of several thousands of dollars,” Detlefsen said. “The terms of the arrangement are such that the borrower, the recipient of the funds, gets money upfront and is required to pay interest, usually on a monthly or maybe even a weekly basis‑interest that accumulates on a weekly or a monthly basis‑to the funder, until a settlement is reached or the case goes to court and a damage award is ordered by the court,” he explained.

These are non‑recourse loans, meaning the borrower is under no obligation to repay the funder if the lawsuit doesn’t result in a favorable judgment or settlement, Detlefsen said.

The legislation introduced so far mainly takes aim at the lack of transparency and interest rates charged.

The U.S. Chamber of Commerce’s Institute for Legal Reform (ILR) has drafted a model act. Detlefsen said his organization and others in the insurance industry are working closely with the ILR to encourage states to introduce legislation based on the model.

“The ILR model act would require that a party notify the party that it is suing, as well as the court, if there was a litigation funder financing the lawsuit,” Detlefsen said.

Molot said the Chamber of Commerce’s position on litigation funding is antithetical to its position on other issues, which emphasize free enterprise and freedom from government regulation.

“I think the only explanation for why the Chamber is trying to suppress litigation funding is a fear of precisely what litigation funding is intended to do, which is to level the playing field so that cases are resolved based on their merit, rather than based on unequal resources or risk preferences,” Molot said.

The other kind of third‑party litigation lending involves funders that are large institutional investors, like hedge funds. Detlefsen said they are mostly interested in commercial litigation because there’s more money at stake.

He said that instead of charging interest on the loan proceeds they advance, they negotiate an arrangement with the plaintiff party whereby the plaintiff agrees to share a certain percentage of whatever the recovery is with the funder. There hasn’t been any legislation at the state level introduced to specifically address this type of funding.

With respect to transparency, Molot sees no reason for anyone to know who is funding a lawsuit.

“There’s no reason for it for a couple of reasons. Companies all the time have to decide how to finance their legal fees. Most big companies finance it from retained earnings,” Molot said.

Other options, he said, include raising funds by issuing bonds, through an equity or debt raise or through retained earnings.

He said courts would never inquire into how money was raised to fund a lawsuit.

Another reason funding transparency is unnecessary, said Molot, is that opponents inquiring into financing arrangements could get into the head of the opposing party and acquire the work product and strategy for the litigation, Molot said.

“It’s sacrosanct in our system that each side should be able to strategize with their lawyer and come up with a strategy for the case that is protected from the other side’s…getting access to their strategy,” he said.

Financing discussions could reveal the litigant’s optimism or pessimism about the case, he said.

“It’s going to reveal what their budget is. You don’t want the other side to know that they have $5 million to spend, and if that runs out, they’re not going to have any more. Then the other side will just force them to run up $5 million in expenses. You don’t want the other side to know that if it comes in at a settlement above X, the litigation finder gets one percentage, and if it comes in at Y, it gets a different percentage. That’s just not something the other side should have access to,” said Molot.

Chaos in the Civil Court System

An increase in third party litigation financing in large commercial litigation cases could cause an increase in frivolous lawsuits, Detlefsen said.

He said a cause for concern is a large, well-capitalized institutional investor who could hedge their risks over a broad portfolio of investments. Similar to junk bond investment risk where there is a good chance of default, but with a potentially big payout, third party litigation funders financing high‑stakes, large‑scale commercial litigation, including class action cases, could invest in a case that might not have been filed because the likelihood the suit would fail was relatively high.

“A law firm that’s operating on a contingency fee basis, for example, probably wouldn’t want to take such a case. But a third party litigation funder might look at a case like that and say, “Well, when you consider it against the backdrop of all the other investments that we have, this is a risk that’s worth taking because the potential payout is very large,”” said Detlefsen. “A case that looks weak on its face, if you manage to get the case certified in a certain jurisdiction and you manage to get a certain kind of jury to hear the case, even though the case is weak on the merits there is a chance that it could go in favor of the plaintiff, and the payout could be very large.”

He said there’s a fear that because third‑party litigation financing may be involved, more of those types of cases will be filed and settlements negotiated could be higher than what might otherwise be the case.

“The surest way for a litigation funder to lose money is to fund a losing lawsuit. It’s doesn’t make any sense that someone would fund a suit that’s a bad suit… there is a respect in which litigation funders are going to be even pickier than contingent fee lawyers in deciding whether to take a suit,” he said. “I think that the people who are saying litigation funding is going to lead to an increase in frivolous litigation are dead wrong. They’re really doing it in order to protect themselves from meritorious claims.”

Detlefsen said class action lawsuit abuse is foreseeable.

“You could imagine that kind of abuse escalating if you have a third party funder and the law firm that’s representing the plaintiff class working together to try to pursue the litigation in a way that delivers an outcome that is mutually advantageous to the funder and the firm or the attorney that’s bringing the lawsuit,” he said.

“I’ve heard people wonder about mass torts. Where there’s some drug defect. Is someone going to finance plaintiffs? I don’t see a need for third party litigation finance there. I don’t see that that’s the market because there’s already a contingent fee plaintiff’s bar that handles those cases,” said Molot.

Insurers have little cause for concern when it comes to large-scale litigation funding, according to Molot.

“I can’t remember a case where an insurance company would have to pay out that was funded. The reason for that…is generally, contingency lawyers deal with personal injury suits. They deal with product defects. They deal with class actions, the sorts of things that might be insured,” he said. “The cases where there’s not contingency lawyers…generally commercial litigators who work by the hour, are cases where there’s not insurance. It’s commercial disputes, a contract breach between two parties. I think from an insurer’s perspective, this is largely irrelevant.”

Molot said the only time Buford has encountered insurers on a case involving third party litigation financing is when the company has been on the same side of the suit as the insurers.

“In fact, in Europe, litigation funding is integrally related to insurance. It’s insurance companies that historically have provided litigation funding. In fact, Burford owns the largest provider of after‑the‑event insurance in the UK, and it has a very close relationship with Munich Re, which provides reinsurance. Burford is an insurer in some respects in the UK,” Molot added.

What Is Leptospirosis And Should You Be Concerned?

Leptospirosis is a disease that affects dogs, as well as many other kinds of animals. The organism that causes leptospirosis is a spirochete bacteria and is found throughout the world. There are a very large number of Leptospira; about 230 of them have been identified.

In the United States, Leptospirosis is in the environment because it is carried in rats, wildlife, as well as domestic livestock. More cases are seen in late summer and fall and often after heavy rainfalls. Leptospira is known to exist in standing water, dampness, and mud. Winter conditions tend to lower the risk because Leptospira do not tolerate freezing temperatures.

Pets can become infected through contact with urine of infected animals such as raccoons, skunks, rats, feral cats, dogs, and other animals. Often, dogs contract the disease by swimming in stagnant water or drinking contaminated water in puddles.

Should Dog Owners Be Concerned About Leptospirosis?

Not all dogs that are exposed to Leptospirosis become visibly ill. In a 2007 study, 25 percent of unvaccinated healthy dogs had antibodies to Leptospirosis. This indicated to researchers that they had been previously exposed to Leptospirosis without their owners noticing a problem.

When Leptospirosis does cause disease in dogs, it tends to be most severe in unvaccinated dogs that are younger than 6 months of age. It takes about 4-12 days after exposure for a dog to start to feel ill.

Signs of illness vary, but usually include lethargy, poor appetite, fever, vomiting, increased thirst or urine production. Jaundice may also be seen. Blood tests will show changes in kidney values or liver and kidney values.

Diagnosis is made through blood and urine tests that look specifically for Leptospirosis. Antibiotics are typically used to treat Leptospirosis; not only can they treat the active infection, but also may prevent dogs from becoming carriers of the organism.

How Can Dog Owners Prevent Leptospirosis?

Prevention is best accomplished by stopping your dog’s access to contaminated water. Also, try to sanitize your dog’s environment by eliminating food and garbage to reduce the attraction of rats, raccoons, or feral cats.

Leptospirosis is a zoonotic disease. In other words, it is contagious to humans. The most likely way humans contract Leptospirosis is via exposure to dog or rat urine. However, any bodily fluid, including vomit and saliva, can transmit the disease. If your dog is infected with Leptospirosis, it is very important to observe proper hygiene even after he has recovered (wearing protective gloves when cleaning up after your dog, preventing face licking, etc.)

Vaccination for leptospirosis is an option to consider if your dog is at high risk of contracting the disease. The American Animal Hospital Association considers Leptospirosis a “non-core” vaccine for dogs. That is, they do not recommend it unless there is a good chance your dog will be exposed to Leptospirosis. The efficacy of the vaccine is variable: short lasting or limited. There have been reports of reactions to the vaccine that vary from minor to severe.

Vaccination does not always prevent infection, but it tends to make the disease much milder if infection occurs. There is the potential for vaccinated dogs that do become infected to become long term carriers of Leptospirosis. Some long-term carriers have more frequent incidence of reproductive failure and stillbirths.

As with all vaccinations, you should discuss the vaccine for leptospirosis with your veterinarian. This decision will be based on you and your dog’s life style, if your community is experiencing cases of Leptospirosis, and the other pros and cons your veterinarian has experienced with the vaccine.

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