It's not easy being a small business owner. Things that are minor bumps in the road for big companies can be major hurdles for the small business. An inventory shipment delay, for example, is no big deal if you're a major retailer or e-tailer. That same delay, though, can negatively impact a small company's relationships with its customers and ultimately cost that business money. If a small company provides goods or services to other businesses, the loss of one or two customers can mean the difference between making a profit and taking a loss. Such is not the case for major players in the business-to-business marketplace.

Possibly the biggest factor in whether or not a small company survives and thrives is whether or not it collects business payments in a timely manner. A small business is often at the mercy of its customers or clients to make timely payments. When the checks don't arrive in the mail, the company can experience a cash flow crunch - or even a crisis - that can leave it unable to make payroll or meet its other financial obligations.

Even when a system is in place to generate a timely invoice, finance personnel often struggle to collect on those invoices. In a business-to-business transaction, the small business may be dealing with a large company that pays at 60-days or even 90-days. In a business-to-consumer transaction, there are simply customers who pay late or not at all. In the worst-case scenario, checks never arrive or bounce, leaving the small business to try and collect on the debt. Understandably, this process is uncomfortable for all parties, and has a negative impact on business income.

For all these reasons, small businesses are turning to check software to increase their business income and lower the incidence of non-payment. Essentially, this check software provides a mechanism to accept a customer's check payment by phone, by fax, or via the Internet. Over the phone, the person taking the payment simply requests the customer's bank routing number, checking account number, and check number. Accepting payment via fax involves asking the customer to fax their written check into the company. Check payment over the Internet requires the customer to look on their check and enter the routing number and checking account number into an online form.

With the information from the customer's check, a small business can convert the paper check into an electronic check, the amount of which is deducted from the customer's checking account. The difference between processing paper checks and electronic checks is that electronic checks clear or bounce within a day of submission, whereas it can take up to two weeks for paper checks bounce, be re-deposited, and bounce again.

The benefits of check software are numerous, but the most immediate effect is that a small business can increase its cash flow. In addition, check software increases the satisfaction of customers, since customers like being able to pay by check but don't like to have their orders held until their checks clear. This can help boost sales and increase repeat business.

Next to increased cash flow and business income, businesses appreciate that check software decreases the number of returned checks. When collections have to be made - either because of late business payments or because of bounced checks - it's much easier and more reliable to be able to take the information over the phone, convert the check into electronic form, and see that it clears within a day.

When it comes to the tools that small businesses need in order to succeed, electronic check software is key.

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The book printing and production is a business which can offer you many satisfactions and its complexity offers you a special beauty.

If we want to elaborate an investment plan in view of acquiring the equipments necessary for this, we must create a market study which largely comprises: the publishing houses with their market share, the types of books included in a majority in their portfolio and secondly, the competitive printing houses with their market share and with the advantages and disadvantages of each.

As in any company from printing field, the first thing to acquire would be a computer to plate system to facilitate the work of the people from pre-press department.

After the computer to plate system, the list should comprise a printing machine in 4 groups with the printing format correlated with the number of editions and with the number of issued the respective publishing  houses edit per week. The printing equipment must necessarily have a perfector to ensure an increased productivity.

Then, the following absolutely necessary equipment is a folding machine for the book interior. It is good to look for a folding machine which must have a cross and parallel folding to be able to fold  posters inserted in the book.

We must not neglect the part of  book finishing. Here it is well to know which is the book segment that we want to reach.  For the processing of the book interior from the segment of collection books or high value books we can equip our printing house with a machine for sewing , book back gluing equipment, book block nipping and smashing press, book forming machine, equipment for stamping the covers with metallic foil. For the processing of the book interior for the usual books, we especially need a book forming gluing and jacketing machine.

For the book jacket, it would be useful, for covering the great market majority, to buy a bending machine, a laminating machine and eventually a serigraphic equipment with a small UV dryer in order to be able to make a selective UV varnishing at the cover.

Would  be absolutely necessary a guillotine for cutting the sheets, with maximum format correlated with the printing machine format. A three-knifes trimmer  would also be absolutely necessary for give the final format of the book.

For the magazines that the publishing houses issue for advertising the most recent news, a line of eyeleting would also be necessary, and for the smaller dimensioning of the printing house, only one eyeletter with one or two eyeleting head would be necessary.

For the book production, the market also has complete book lines which comprise: the printing machine, the folding machine, the binding machine, and machine for book jacketing , the cover lamination equipment, the three-knifes trimmer  or any other combinations from the equipments mentioned until now.

There are extremely many types of equipment necessary, there is a great amount of work in order to accomplish a book, but the satisfaction when you see it on the shelf is huge.