If your business is home-based or has been in operation for less than two years, you’re likely to face objections from bank.

If yours is a home-based or a brand-new company, be sure to meet with banker to show your business plan, offer collateral and discuss your personal net worth. You are more likely to be able to overcome objections by being open and honest. Even if your bank turns you down, however, you still have options. First, you can always try other banks.

If you don’t have any luck getting a bank to back you on your own, consider going through an Independent Sales Organization (ISO). These are field representatives from out-of-town banks who, for commission, help businesses find banks willing to grant them merchant status. Ask your bank to recommend an ISO, or look in Yellow Pages under credit cards. The ISO may be able to help you simply because it represents dozens of banks, each with their own specialties and criteria. The ISO representative can match your needs with needs of banks he or she represents, without requiring you to go through application process with all of them. Of course, you will pay higher fees because you run a home-based business, which presents more risks to bank. Some banks will require you pay either a percent of your monthly credit transactions or dollar amount, whichever is higher. You also pay a per-transaction handling fee, a monthly fee and per month fee to rent a point-of-sale terminal.

Which Credit Cards Should You Accept

Once you’ve obtained merchant status, you can accept a variety of credit cards, depending on which are offered by your bank. Some banks issue their own cards, and others act as intermediaries between credit-card companies and your business.

Now before any of you get upset with these assumptions, I'm just stating fact that way you have set up your office will greatly affect how other people perceive you.

Of course, clutter is not only area to address if you want to project a professional image, however it plays a bit part. There are several easy to implement ideas which will have a dramatic impact on your productivity, providing you take action.

If you seriously would like to turn your office into a powerhouse of success, then take action on these tips from Feng Shui guru Debra Jarvis…

The First Step Move everything out of area designated as office, especially what's stored in cupboards and up on shelves. There is no place to hide from Feng Shui eyes. Bring back in only those items that are relevant. Evaluate other stuff, do you love it, is it useful? If not get rid of it (sell, dump or give it away).

Everything in its Place It is important that all items have a designated place to which they are returned after use. Put things used frequently in most accessible spots. Time spent working is much more pleasant when we can easily locate and access items when required.

Set up Your Power Position Place yourself in power position. This is position where you have a view of every entryway. Where you have a choice of places or directions, put your office chair in each position and sit quietly for a few minutes getting an idea of what it would be like to spend time there. The one that immediately feels right is your power position. When you set yourself up in power position you have control in space, your self-esteem will go up and you accomplish more. Try it for 28 days and if you don't find any benefits (including increased business) then change position.

Clean and Clear Clutter Maintain a clear desktop. Paperwork is relentless in its onslaught. Deal with it immediately, use TRAF (Toss, Refer, Act or File). Creating a pile to deal with later creates clutter and clutter is bad Feng Shui.