Learn more about small business loans, cash access problems,cash flow loans, unsecured financing, collateral-based financing and how to get approved for business financing.
It’s nothing new. Real estate investing has been around for thousands of years.
It predates stock markets and other methods of trading and valuing wealth.
Land used to be the best sign of anyone’s wealth. Why? Because land is permanent.
Get an insight into what do lending institutions look for while lending, 5 mistakes that should be avoided when applying for loan, ten steps to secure funding and much more.
Learn more about small business loans, cash access problems,cash flow loans, unsecured financing, collateral-based financing and how to get approved for business financing.
It’s nothing new. Real estate investing has been around for thousands of years.
It predates stock markets and other methods of trading and valuing wealth.
Land used to be the best sign of anyone’s wealth. Why? Because land is permanent.
Get an insight into what do lending institutions look for while lending, 5 mistakes that should be avoided when applying for loan, ten steps to secure funding and much more.
Webcast - Creative Best Practices for Mortgage MarketingHarland Clarke
Most marketers agree that the list and the offer are integral to a winning direct marketing campaign. But some underestimate the power of creative, and that’s a mistake. Hard-working creative ensures that your communications get noticed and read. Watch the full webcast here: http://harlandclarke.com/media/webcasts/2014/05/u309/10-Creative-Best-Practices-to-Kick-Up-the-Effectiveness-of-Your-Mortgage-Marketing
Leveraged Alternative Capital Assets Master04232011clydeleverett
We Help Banks and Borrowers With Loan Turn Downs
Leveraged Alternative Capital Assets Locates Financing for a Wide-Range of Projects and Business Needs, Primarily from Private Equity Sources, for Banks and Businesses Looking To Acquire Capital To Grow Their Revenue.
Understand the resources required to execute on your business concept; understand the different opportunities to fund start-up and subsequent growth, and the opportunities and challenges associated with each.
For Business Funding go to http://frombootstobusiness.com/category/from-boots-to-business/business-finance/
The five step guide to financing recruitment business growthOutsauce
Make the most informed decisions on your journey to business growth.
Find out:
How to prepare for success
The pros and cons of every funding option
The unique benefits of factoring and invoice discounting
The power of corporate finance
Tips to take it to the next level - including acquiring another business and selling your agency
Corporate Credit Building
NBSG, LLC provides a range of credit services developed with the entrepreneur and small to medium size business in mind. We help business owners build their business credit.
• Setup a Business Entity
• Obtain a Tax ID Number (EIN)
• Establish a Business Bank Account
• Register with Business Credit Bureaus
• Establish Business Credit History
www.nevadabusinesssolutions.com
Nyba.retail and small business conference.march 15 2013.v1Ned Miller
A recent New York Bankers Association Conference on "Building Momentum with Small Businesses." Some of the topics include: The top 10 questions that drive satisfaction for business owners, 4 key iniatives for banks interested in building sustainable results and research on what small businesses want from their banks.
When to raise money, how much to raise, what valuation to expect, which investors to target... Basic questions (and answers) founders should ask themselves before raising money.
Despite the industry’s sometimes negative reputation, Asset Based Lending can be a preferred solution for borrowers who put in the effort to find the “right” lender, with appropriate collateral and loan structure.
One topic that a borrower should discuss with the lender before entering into an Asset Based Lending agreement is the structure of the ABL facility – and the borrower’s management team needs to read all the paperwork.
While traditional ABL is rather commoditized, some elements of the loan’s structure may be critical to the success of the partnership.
The process of getting your business in shape to get the funds needed for its operations does not have to be painful. Learn some tips to make the process easier!
Revenue Based Financing Webinar- for Salesforce ISV'sLighter Capital
What's important for your next phase of growth? New key hires? Product development? Or marketing and sales initiative? Learn about the financing structure of Lighter Capital- an active capital provider for Salesforce ISV's.
In this exclusive webinar hosted for Salesforce ISV's, we will walk through:
1. What's revenue-based financing and how it works
2. Three case studies of our Salesforce ISV's clients
3. Q&A
Franchising is an all-American business model that has enabled tens of thousands of veterans to become small business. Join Stacy Swift, owner of FranNet Colorado and a franchise industry expert, to learn how to separate the myths from the facts. What is a franchise? What are the requirements? How do you find the “best” one for you?
By: Stacy Swift, FranNet
Webcast - Creative Best Practices for Mortgage MarketingHarland Clarke
Most marketers agree that the list and the offer are integral to a winning direct marketing campaign. But some underestimate the power of creative, and that’s a mistake. Hard-working creative ensures that your communications get noticed and read. Watch the full webcast here: http://harlandclarke.com/media/webcasts/2014/05/u309/10-Creative-Best-Practices-to-Kick-Up-the-Effectiveness-of-Your-Mortgage-Marketing
Leveraged Alternative Capital Assets Master04232011clydeleverett
We Help Banks and Borrowers With Loan Turn Downs
Leveraged Alternative Capital Assets Locates Financing for a Wide-Range of Projects and Business Needs, Primarily from Private Equity Sources, for Banks and Businesses Looking To Acquire Capital To Grow Their Revenue.
Understand the resources required to execute on your business concept; understand the different opportunities to fund start-up and subsequent growth, and the opportunities and challenges associated with each.
For Business Funding go to http://frombootstobusiness.com/category/from-boots-to-business/business-finance/
The five step guide to financing recruitment business growthOutsauce
Make the most informed decisions on your journey to business growth.
Find out:
How to prepare for success
The pros and cons of every funding option
The unique benefits of factoring and invoice discounting
The power of corporate finance
Tips to take it to the next level - including acquiring another business and selling your agency
Corporate Credit Building
NBSG, LLC provides a range of credit services developed with the entrepreneur and small to medium size business in mind. We help business owners build their business credit.
• Setup a Business Entity
• Obtain a Tax ID Number (EIN)
• Establish a Business Bank Account
• Register with Business Credit Bureaus
• Establish Business Credit History
www.nevadabusinesssolutions.com
Nyba.retail and small business conference.march 15 2013.v1Ned Miller
A recent New York Bankers Association Conference on "Building Momentum with Small Businesses." Some of the topics include: The top 10 questions that drive satisfaction for business owners, 4 key iniatives for banks interested in building sustainable results and research on what small businesses want from their banks.
When to raise money, how much to raise, what valuation to expect, which investors to target... Basic questions (and answers) founders should ask themselves before raising money.
Despite the industry’s sometimes negative reputation, Asset Based Lending can be a preferred solution for borrowers who put in the effort to find the “right” lender, with appropriate collateral and loan structure.
One topic that a borrower should discuss with the lender before entering into an Asset Based Lending agreement is the structure of the ABL facility – and the borrower’s management team needs to read all the paperwork.
While traditional ABL is rather commoditized, some elements of the loan’s structure may be critical to the success of the partnership.
The process of getting your business in shape to get the funds needed for its operations does not have to be painful. Learn some tips to make the process easier!
Revenue Based Financing Webinar- for Salesforce ISV'sLighter Capital
What's important for your next phase of growth? New key hires? Product development? Or marketing and sales initiative? Learn about the financing structure of Lighter Capital- an active capital provider for Salesforce ISV's.
In this exclusive webinar hosted for Salesforce ISV's, we will walk through:
1. What's revenue-based financing and how it works
2. Three case studies of our Salesforce ISV's clients
3. Q&A
Franchising is an all-American business model that has enabled tens of thousands of veterans to become small business. Join Stacy Swift, owner of FranNet Colorado and a franchise industry expert, to learn how to separate the myths from the facts. What is a franchise? What are the requirements? How do you find the “best” one for you?
By: Stacy Swift, FranNet
Credit is a powerful tool. It can either make or break your business, depending on how you use it. This presentation will give you actionable recommendations so you can utilize credit to grow your business to new heights.
Small Business Finance- Monica Kenney- IGNITE Conference Frost BankRandall Chase
Monica Kenney has over seventeen years of experience in the financial services industry. Currently, she
serves a Vice President and Commercial Banker at Frost Bank for the southern sector of Dallas. Her
responsibilities include investment activities, regional market growth support, community engagement
and portfolio management. She has held insurance and securities licenses.
Monica Kenney is an active member of her community and participates in the local Chambers of
Commerce, the Rotary, and the Lions Club. She also serves on the committees for several civic
organizations. Monica is a graduate of Leadership Southwest.
Monica Kenney is pursuing a Bachelor of Business Administration in Management degree.
Small Business Finance- What is needed from loan preparation, small business challenges, types of business loans, short term and long term financing and more.
Creative financing solutions - Money Forum 2015FundThrough
Obtaining financing can be tough for Canadian Entrepreneurs, discover some of the alternative financing options for small businesses.
Evaluate the pros and cons of the four different financing options: personal loans, accounts receivable financing, merchant cash advances and leasing.
Apply for Accounts Receivable financing at http://bit.ly/financingsolutions
Take It To The Bank: Sam's Club Whitepaper Helps Small Business Navigate Loan...Sam's Club News
In the "setting yourself up for success" section: Sam's Club small business whitepaper titled "The Big Picture: Small-Business Loans in Today's Economy", aims to clarify and aid the often-times challenging process of obtaining a small-business loan.
The Pros & Cons of Small Business Funding OptionsKabbage
Watch this presentation as we walk through why you should consider outside funding, the factors to consider, and the pros and cons with each of the options – from online loans and credit cards to peer-to-peer lending, crowdfunding and business grants.
How to Turn Unqualified Homebuyers into Qualified OnesTroy Ross
You can help unqualified buyers buy a home. Past credit issues are no longer a blockade for buyers! Take a look at our presentation to learn how they too can get qualified to buy a home in as little as 4 to 6 months. This presentation is presented by the Richmond REIA.
Congressman Eric Swalwell, the Hayward Chamber of Commerce and Small Business Majority held a townhall meeting on the healthcare law and what it means for small businesses. We focused on the key federal and state provisions impacting small businesses and what new health insurance options are available.
Affordable Care Act 101: What the Healthcare Law Means for Small BusinessSmall Business Majority
August 8, 2013. Hosted by the U.S. Small Business Administration and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Affordable Care Act 101: What the New Healthcare Law Means for Your Small Bus...Small Business Majority
August 15, 2013. Hosted by the U.S. Small Business Administration and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Your Bottom Line: What the Affordable Care Act Means For Your Nebraska Small ...Small Business Majority
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Nebraska small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
This webinar focused on what the new healthcare law, the Affordable Care Act, means for small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
What the New Healthcare Law Means for Your South Carolina Small BusinessSmall Business Majority
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for South Carolina small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
What the New Healthcare Law Means for Your North Carolina Small BusinessSmall Business Majority
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for North Carolina small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Florida small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Tennessee small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
What the New Healthcare Law Means for Your Mississippi Small BusinessSmall Business Majority
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Mississippi small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Kentucky small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Georgia small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Alabama small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
2. Today’s Speakers
• Ami Kassar
– CEO and Founder, Multifunding LLC
• Ben Geyerhahn
– Special Projects Director, Small Business Majority
3. About Small Business Majority
• Small business advocacy organization – founded
and run by small business owners
• National – offices in California, Washington, DC,
New York, Ohio, Colorado, and Missouri
• Research and advocacy on issues of top
importance to small businesses (<100
employees) and the self-employed
• Very focused on healthcare over the past 6 years
– becoming more involved in energy and access
to credit
5. WHO IS MULTIFUNDING ?
• Helping Small Business Owners Figure Out The Best
Possible Loans For Their Unique Situations
• Reuters calls us
– “Loan Doctors for Business”
• Twi%er
calls
us
– “The People’s Loan Broker”
12. LENDER’S VALUATIONS
Discounted
(%)
LTV
(%)
Business
Assets
Real
Estate
25
75
Equipment
50
50
Receivables
20
80
Inventory
50
50
Personal
Assets
Real
Estate
20
80
Stock
30
70
Cash
5
95
13. THE FOUR QUESTIONS
• Collateral
– Do
you
have
something
a
bank
can
liquidate?
The
easier
to
liquidate,
the
cheaper
your
rate.
• Cash
Flow
– How
was
business
last
year;
this
year?
• Credit
Score
– 680
or
above
(for
best
terms)
• Cost
of
Funds
– What
interest
rate
you
can
get?
– What
can
you
afford?
14. GOOD OLD FASHIONED BANK LOANS
• Bank
loans
today
require
profitability,
cash
flow,
good
credit,
and
good
collateral.
• If
you
think
you
have
all
of
these
ingredients,
try
a
local
community
bank
first.
• Visit
www.bankinggrades.com
to
find
a
bank
in
your
neighborhood
that
is
ac^vely
lending
to
small
business.
15. SBA and USDA LOANS
• Many
banks
will
be
a
bit
more
lenient
when
lending
through
the
SBA
and
USDA
programs.
The
government
offers
them
insurance
to
be
more
aggressive
when
lending
to
small
business.
• The
USDA
program
works
well
in
rural
communi^es
and
the
SBA
program
is
na^onwide.
• When
considering
these
programs,
always
look
for
a
lender
who
is
aggressive
and
has
a
lot
of
experience.
• If
one
lender
says
no,
always
try
another
one.
16. SBA EXAMPLE ONE
• Glass
contractor
in
Oregon
approached
us
to
consolidate
debts,
term
out
payables,
and
gain
access
to
working
capital.
• We
managed
to
refinance
their
debts
into
an
18
year
term
SBA
loan,
secured
by
real
estate.
• Interest
rates
went
down
from
18
%
to
6
%
and
client
will
save
$100,000
of
finance
charges
per
year.
17. SBA EXAMPLE TWO
• Fire
Restora^on
company
in
Tennessee
approached
us
to
gain
access
to
working
capital.
• Through
an
SBA
loan
(secured
by
her
home)
we
achieved
her
goal
and
refinanced
several
equipment
leases
and
credit
cards.
• Clients
monthly
finance
fees
reduced
by
$3,000
a
month.
18. IF THE BANKS AND SBA LENDERS SAY NO
• Don’t
despair,
there
are
plenty
of
alterna^ves
to
consider.
• The
key
issue
is
what
collateral
you
have
to
offer
the
lender.
19. ACCOUNTS RECEIVABLE FINANCING
• If
you
have
completed
work
for
other
businesses,
have
invoiced
them
and
are
wai^ng
to
be
paid
for
it,
these
invoices
are
collateral.
• Many
lenders
will
advance
you
money
against
the
invoices
so
that
you
can
get
paid
faster
and
improve
your
cash
flow.
• Key
issues
that
they
will
consider
are
the
quality
of
your
contract
with
your
client,
and
the
quality
of
the
client.
• They
are
underwri^ng
your
client
first,
and
your
business
second.
20. A/R FINANCING EXAMPLS
• We
were
approached
by
a
logis^cs
company
in
Pennsylvania
who
was
struggling
with
cash
flow
issues.
• This
company
had
an
exis^ng
line
of
credit
with
their
local
bank.
• We
put
them
on
the
Receivables
Exchange
and
they
were
able
to
keep
their
line
of
credit
and
trade
their
receivables.
21. PURCHASE ORDER FINANCING
• Some^mes
a
company
doesn’t
have
receivables
yet,
but
has
a
purchase
order
from
a
credible
business.
• A
loan
is
needed
to
advance
money
to
their
suppliers
to
they
can
fulfill
the
order.
• Purchase
order
financing
op^ons
are
available
where
the
lender
will
advance
money
to
the
supplier.
• These
loans
are
not
cheap
but
can
make
sense
in
high
margin
situa^ons.
22. INVENTORY FINANCING
• There
are
lenders
who
will
finance
your
inventory.
• Some
will
finance
your
inventory
purchases.
• Others
will
provide
an
ongoing
line
of
credit
against
your
inventory.
23. INVENTORY PURCHASE LOAN
• A
ligh^ng
distributor
in
Colorado
approached
us
and
needed
to
buy
inventory
quickly
to
meet
an
order.
• Their
supplier
was
not
willing
to
extend
terms.
• Our
lender
cuts
the
check
to
the
supplier,
adds
a
fifeen
percent
fees,
and
then
debited
the
money
from
the
client
over
90
days
in
equal
payments.
• It’s
expensive
money
but
can
be
done
in
a
week
and
makes
sense
if
no
other
alterna^ves
and
there
is
good
profit
in
a
job.
24. ASSET BASED LENDERS
• Some^mes
companies
have
accounts
receivable,
inventory,
and
equipment
on
their
balance
sheets.
• There
are
Asset
Based
Lenders
who
will
lend
against
all
of
these
categories.
• They
can
make
sense
vs.
going
to
an
individual
A/R
,
Inventory,
or
Equipment
Lender.
25. EQUIPMENT LEASING
• If
you’re
in
the
market
for
a
new
piece
of
equipment
or
sofware,
leasing
is
an
ac^ve
and
viable
op^on.
• There
are
many
tax
advantages
to
leasing.
• Always
consider
a
$1
buy
back
at
the
end
of
the
term
vs.
a
residual
equipment
value.
26. EQUIPMENT SALES LEASE BACK
• Some^mes
the
only
collateral
a
company
has
is
equipment
that
they
own
that
is
free
and
clear.
• In
some
cases
it
is
possible
to
sell
this
equipment
to
the
leasing
company,
who
will
then
lease
it
back
to
you.
• The
lender
will
want
to
see
and
understand
what
you
intend
to
use
the
funds
for.
27. EQUIPMENT SALES LEASE BACK EXAMPLE
• A
car
wash
in
Dallas
reached
out
to
us
and
needed
cash
quickly
to
pay
off
a
creditor.
• His
only
collateral
available
was
his
equipment.
• We
managed
to
find
a
lender
to
buy
his
equipment
from
him
at
50%
of
liquida^on
value,
and
sell
it
back
to
him
for
$1
at
end
of
term.
• Interest
rate
was
14
%
per
annum.
28. MERCHANT CASH ADVANCE LOANS
• Unfortunately,
many
companies
today
have
no
collateral
that
a
lender
is
interested
in.
• If
the
company
takes
credit
cards,
there
are
lenders
who
will
advance
them
money
today
and
take
a
future
daily
percentage
of
their
credit
card
receipts
un^l
their
principle
and
fees
are
paid
back.
• Other
lenders
will
do
the
same
in
the
form
of
a
term
loan
from
a
checking
account.
• Pay
a%en^on
to
the
term
of
the
loan
when
considering
these
op^ons.
29. WHAT IS AN ANNUAL DEBT REVIEW ?
• An
opportunity
to
sit
down
with
a
client
on
an
annual
review
and
determine
if
their
current
loans
s^ll
make
sense.
• Look
for
savings
opportuni^es
– Loan
Markets
Change
– Business
Condi^ons
Change
30. MANY OPPORTUNITES TO WORK TOGETHER
Ami
Kassar
Chief
Execu^ve
Officer
www.mul^funding.com
akassar@mul^funding.com
1-‐800-‐276-‐0690
x
11
31. Join Our Network
Contact
• Erica Dowell, Network Coordinator
• Email: edowell@smallbusinessmajority.org
• Direct: (202) 535-3244
Ways to Get Involved:
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@SmlBizMajority
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