This document presents concepts for small business lending that aims to increase draw, establish relationships, and improve the industry in a less regulated way. It discusses creating business lines of credit using single investors or existing business relationships. It also discusses negotiating with lenders to reduce existing loan balances by detecting possible lender fraud. The document suggests that being a lending or servicing source allows more control and market reach. It notes that foreign investors want to invest in the US economy and could provide loans at 5% interest. Overall, the summary encourages exploring these alternative lending concepts to change or grow a lending business.

1. EMAC Presents
Become the Lender

2. Go Slow | Think Small
This is not a BIG BOX presentation
It is a series of concepts that facilitates you being of
better service to customers, in establishing
relationships and improving the industry.
Through Small Business innovation you can increase
draw and create business that is less regulated,
manipulated and controlled

3. Money is a Result
Aligning Cause – Purpose – Belief
To be of service and to assist
Free people from Debtor's Prison
Are true motivators, will create a business that
will result in generating revenue

4. Line of Credit
Use business relationships to invest and pool
funds – Security License required
Use single Investor to fund with your company
servicing the Business Line of Credit.
Commercial loan, no licensing required

5. Can use existing sources to send clients
to be serviced earning commission
Create own business to work the
eradication of the existing loan balance:
Takes an Attorney to detect possible
Lender Fraud. IE: MERS is strong
indicator that Fraud being part of the loan

6. NEXT Business
Needs a Negotiator to work with the Lenders to
reduce loan balance, if loan is not eradicated.
Lenders sell to each other at 20 Cents on the
Dollar, so you could negotiate around this
percentile to an agreed pay off amount.
Remedy companies purchase the loans with
Savings Bonds, (5 year term), reducing amount of
invested dollars

7. ● You are the Lending or Servicing Source
● Control and flow is yours to manage
● Increased Market Reach
● Better than mainstream Hard Money
● Increases Revenue
● Can pay commissions to Affiliated Partners
(Pass Through Sources)

8. Foreign Money
Euro economies are not as solid as the American
economy and Foreign Investors want to invest in
the U S for better assurance and return.
5 % for One year term beats U.S. Hard Money
sources
Influx of Foreign Investors creates open
competition for U. S. sources to change or die

9. Income that is created form aligning and
networking with other sources.
IE: Printing out the Airline Boarding pass with
discount coupons attached for Restaurant – Hotel
– Car Rental, where the airlines receive a minimal
fee for the traveler using the coupons.
Can create such with Pass Through Sources and
treat it completely different than typical Lender –
Broker relations

10. Be Part, Or Not
You can continue to do business as usual. Or;
you can be a part of this changing industry.
Do you seek after Refinances?
Do you incorporate Commercial Loans?
Why not add Mortgage Eradication and Loan
Balance Reduction to your services?

11. Law of Diffusion Innovation
Everett Rogers, (deceased) revealed:
2.5% Innovators
13.5% Adopters
34% Early Majority
34% Later Majority
16% Lagers
These exist in any and every segment of Population

12. Geoffrey Moore
Book: Crossing the Chasm, explains that 18%
Tilt, or Market Saturation, is needed to become
a successful business.
Everett Rogers explains that this tilt can be
acquired quicker by marketing to the
Innovators and Adopters of each population
segment

13. Innovators and Adopters
Are those passionate about your product /
services
Are your Human Billboards telling every one
they know of your product / services
IE: Apple, WalMart, Tiffany

14. Marketing From the Why - Out
Innovators and Adopters are drawn to your
Why, and not to your How and What
They want to align their Belief – Cause – Purpose with
companies that have the same Belief – Cause Purpose
YouTube Video: Simon Sinek; How Great Leaders Inspire
Action http://www.youtube.com/watch?v=qp0HIF3SfI4

15. EMAC
&
Joe Corno
Thank You
Think Tank
Q&A