Saturday, 11 August 2012
Inventory Loans
Inventory financing is bank line of credit secured by the company’s inventory as collateral. With inventory financing, the borrower receives a loan in order to purchase inventory. The purchased
inventory is then used as collateral against the loan. This is a great finance option for business owners as it provides the inventory that a business needs without tying up cash, receivables, credit cards, or
bank lines. This type of financing can help to free up some of the cash you have tied up in inventory for more pressing needs. Inventory loans are perfect for businesses who enjoy a high inventory turnover rate but are short of the cash needed to replenish their supply. These loans free up much needed cash, especially for businesses who maintain high levels of
inventory. Inventory financing loans are also convenient for
businesses that need to keep some capital free for other interests and investments. Lenders will typically need to see that you have a proven sales history to approve you. And they will require you possess tangible inventory. Lenders will want to see that you have a proper inventory management system in place which provides accurate and timely information on your inventory size and cost. Ensure that the inventory is protected from damage and shrinkage.
Most lenders will also require sales orders to verify you are actually selling. Inventory Financing is one of over 30 core funding products available to you through our business funding suite.
Contact me today to access money for your
business.
Dynamax Business Credit
Business Revenue Financing
A
great way for businesses to access money is
through revenue-based financing. It’s also sometimes
referred to as revenue participation or revenue
sharing funding. Revenue
financing is a loan to a company which is
paid back through a royalty on the revenues. Typically
this royalty is in the 2 to 5% range. With
revenue based capital, instead of selling ownership
in your company you sell rights to a percentage
of your company’s revenue for some period
of time. Funding
is commonly available up to 25% of a company’s
annual revenue. You receive money monthly,
sometimes equal to 10% of monthly revenues. To
qualify a company must have current revenue. When
you borrow money from a bank, you commit to
repayment and you commit to a specific rate of repayment. One
of the benefits of revenue funding is that it provides
a variable payment. If
revenue goes down, your payment also goes down
equivalent. This is extremely helpful in
seasonal
industries. Another
difference compared to a bank: lenders want
a personal guarantee and collateral. If you default
you may lose that collateral. Revenue
based financing typically has no collateral requirement.
There are also no personal guarantee requirements
for the founder unlike bank loans. This
funding can be used for many purposes including
growth capital. And there are no
restrictive
covenants like bank loans. Revenue
Financing is one of over 30 core funding products
available to you through our business
funding
suite.
Contact
me today to access money for your
business.
Friday, 10 August 2012
Simply The Best
When
it comes to business credit and funding we are
one of the most accredited and highly ranked companies
you will ever find One
of the reasons for this is that we offer you the
largest database of lenders available anywhere today. Having
thousands of lenders and over 30 funding programs
allows us to offer you flexible funding options
with great repayment terms. And,
we commonly get our clients approved for multiple
forms of funding, even when they have credit
issues. Our
business funding suite is also the only system in
the world which integrates directly with Dun & Bradstreet,
Experian, and Equifax. You
can actually monitor your business credit building
and reports live, in real-time. And you can
even obtain your DUNS number with Dun & Bradstreet
right through your portal at no cost. Our
special relationship and access with Dun & Bradstreet
also insures that you have the largest
list
of business credit sources available anywhere. Our funding
suite is also the only place in the nation
where you have access to both certified funding
advisors and certified business credit coaches. Our
certified coaching team helps you choose from all
the funding options that are available and helps build
your business credit profile quickly. These
are only a few of many reasons why I know we
can help you secure the money you want for your
business.
Contact me today to learn more about the funding you
already
qualify for now.
Vendor Are the Gatekeepers
Entrepreneur.com
reports that 90% of business owners
don’t have access to business credit. The
reason for this is that they don’t know where to go
to get VENDOR accounts to build their business
credit profiles and scores. Vendors
are the Gate Keepers of business credit. They
are the REAL secret of business credit building. You
can go to Home Depot today and apply for business
credit. But you would be denied, or approved
only with a personal guaranty. To
get approved with them with NO personal guaranty
you must first meet their business credit qualifying
requirements. The problem
is most people never know what their
qualifying criteria is. So they apply and are approved
only with a personal guaranty, or are denied
all together. You
can’t just walk into a merchant like Wal-Mart,
Staples,
or Home Depot and get approved for business
credit with no guaranty. You
first must have a good business credit score
and 5
or more trade-lines reporting on your business
credit to get approved.
Here
is where most people get stuck. They can’t get credit
since they have no credit, so they are never able
to build their business credit. The
real secret to business credit are Vendor accounts.
With these accounts you can get approved
for credit with vendors who will report to
the business reporting agencies. This
makes it easy for you to now build 5 or more trades
and establish an excellent score. Through
our business funding suite we give you access
to lots of vendors who will approve you and help
you quickly build the business credit score and
trades you need. Once
this is done you can then start getting approved
for real business credit through your funding
suite, enjoying the largest supply of business
credit sources anywhere. You
will be approved for credit with companies like
Dell, Wal-Mart, Costco, Shell, Chevron, Home Depot,
Lowes, Staples, Office Max, Shell, Office Depot,
Amazon, Sears, BP, Speedway, Sam’s Club, Race
Trac, and more. You
will have access to $10,000 business credit cards
with Key Bank, CSI, Fleet MasterCard, T-Check
MasterCard, Volvo MasterCard, Pitney Bowes,
and more.
Contact
me today to take a free tour of the business
funding
suite and see how easy it is to get approved
for
MASSIVE amounts of business credit with no
personal
guaranty.
Unsecured Credit Lines
Unsecured
revolving business credit lines are a
smart way for you to grow and expand your business.
You pay only on the credit you use making
revolving credit lines a perfect financing source
for your business. Plus
revolving business lines can be used, paid down,
and then reused making them very practical for
you as a business owner. This gives you tremendous
peace of mind to know that additional money
is available if needed. The
amount you will be approved for will vary based
on your volume of business. You can secure a
revolving credit line for over $150,000 with no financials
needed to qualify, and credit lines up to $250,000
if you are showing business tax returns and
financials. Some
revolving lines do require you put up collateral
to qualify. Collateral can include accounts receivables,
inventory, machinery & equipment, and
even real estate. Other
credit lines are available with limited to no financial
documents needed to qualify. Most
business revolving credit lines require a personal
guarantor to be approved. This means that
if you fail to meet the terms of the agreement you
will be personally liable. Your
personal credit will also be used to qualify you
for revolving business credit lines. You can also
qualify with a strong business credit profile and
score. Through
your business funding suite you can easily
establish excellent business credit scores in less
than 60 days. You can then use your newly established
business credit profile and score to qualify
for unsecured credit lines without personal credit
being as much of a factor. Most
banks have cut back dramatically on the funds
they are offering to small business owners. As a
result many owners have found it very difficult to
obtain revolving business credit lines. Through
the business funding suite you have access
to the best revolving business credit lines available
today with the most lenient personal credit
score and documentation requirements. You
can easily and quickly get approved and receive your
credit line in only a few weeks through your own
funding suite.
Your
money is waiting, contact me directly so we
can
get you access to your own funding suite and
start
putting $$$ in your pocket today.
Equifax Small Business Credit Risk Score
Dun
& Bradstreet is the primary company used to evaluate
business credit and issue a credit score known
as Paydex. There
are also other companies that provide similar credit
evaluation services to businesses based on their
independent databases. One
of them is Equifax who offers a business scoring
credit model knows as Equifax Small Business
Enterprise/ Equifax Small Business Credit
Risk
Score. Equifax,
one of the three major consumer credit
rating
bureaus, is now providing business credit evaluations
for over 22,000,000 small businesses and
corporations to detect early signs of trouble by monitoring
key customers, suppliers & partners.
Equifax’s
model is designed for companies that provide
goods and services to small businesses. The
score was created to enhance risk assessment throughout
the account life cycle by predicting the probability
of a new or existing small business customer becoming
seriously delinquent on supplier accounts,
or bankrupt, within a 12 month period. Credit
scores range from 101-816 with a lower score
indicating
a higher risk for serious delinquency. There
are also four reason codes which indicate top factors
that impact the credit score for a better understanding
of risk. Equifax
does provide both consumer and business credit
risk models, but there are considerable differences
between the two.
Contact
me today to start the process of establishing
your Equifax score and getting approved
for $50,000 in business credit this year with
no personal guarantee and regardless of your personal
credit quality.
Purchase Order Financing
Seasonal
sales, business growth and expansion, and
large orders can restrict your business cash flow. Many
clients want to pay on terms of net 30 or 60, but
many of your suppliers demand payment on
delivery. At
the same time you have to cover other expenses including
shipping, labor costs, materials, packing, and
many more further restricting your cash flow. Purchase
order financing helps free up your cash flow
so you can grow your business and your profits. You
can obtain funds based on outstanding orders
with
existing clients. While
a bank looks at your company’s finances, these
loans focus on the financing and credit of your
customers. This
means this type of financing can be obtained even
if you have damage to your personal or business
credit profiles. There
are a few different types of Purchase Order Financing
currently available to help you and your business.
One
option that is currently available is to obtain funds
that are paid directly to your suppliers. You
can receive advances up to 100% of the purchase
cost to your supplier. The bank will then
pay your supplier and you receive immediate access
to your goods. The
bank will collect the invoice payments from your
client and will also pay you the balance between
the order value and the amount paid to
your
supplier. You
receive the net total minus any fees once payment
has been received. A
second purchase order financing option is to issue
a letter of credit to your suppliers. This
letter is a commitment to pay the supplier on
their fulfillment of certain conditions. The conditions
are normally related to the supplier providing
necessary documentation. These Letter of
Credits are also governed by the regulations of the
International Chamber of Commerce.
A
third option is a Supplier Guarantee. This is a commitment
to pay the supplier from the availability generated
on the funding of the receivables when generated
relating to the purchase transaction. The
amount of purchase order financing available to
you will depend on the volume of outstanding purchase
orders you have. It is
very practical to obtain over $500,000 in financing
if you have that amount or greater in orders. Funds
can commonly be delivered within a week after
approval, and interest rates and terms are
typically
very good.
Your
money is waiting, contact me directly so we can
get you access to your own funding suite and
start
putting $$$ in your pocket today.
In 60 days you can have excellent business credit
Your
Business Credit Score is much different than your
personal scores. Your personal scores are comprised
of many factors which affect your scores. But
your business credit score is only based on 1 factor,
how have you paid your accounts over the last
12 months.
Most
business owners do not have any kind of business
credit profile established. This prevents them
from getting approved for the endless money that
is available for them and their businesses. Your
business funding suite comes complete with access
to over 400 individual financing options. Your
funding suite also provides you a few simple steps
to insure you establish a near perfect business credit
score within 30-60 days. This
excellent business score can then easily be leveraged
to get you approved for the money you want
for your business. You
will be able to get immediately approved for major
credit with retailers like Dell, Staples, Home Depot,
Chevron, and hundreds more. And,
you can get these approvals with no personal credit
check and no personal guaranteed required. Plus
you will have access to SBA loans, equipment loans,
merchant loans, and over 30 core funding
products
designed to put money in your hand quickly. We
help you establish an excellent business credit score
quickly, then get you one-click access to cash, credit,
and capital to help grow your business.
Contact
us today to gain access to your very own
business
funding suite and to quickly establish an
excellent
business credit score and money for your
business.
Could money help you grow and expand your business?
Right
now you qualify for cash, credit, funding, and financing
for your business. But for too long you have
not had access to all the money you qualify for. Now,
finally, you can get your hands on the money you
want and need for your business. The
business funding suite is a funding suite complete
with over 400 individual financing
sources. Through
your funding suite you can easily get approved
for over $50,000 in business credit within 6
months with no personal guarantee and no personal
credit check. You
also have access to hundreds of other funding sources
including SBA loans, merchant loans, equipment
loans, and many, many more. Every
legitimate financing and funding option available
for your business is in one place with once-click
access for you to easily get approved. Finally,
you have the access to the money you need that
you already do qualify for. And you can start accessing
your funds right away. The
business funding suite is your source of cash, credit,
and capital for your business.
Your
money is waiting, contact me directly so we
can
get you access to your funding suite and start
putting
$$$ in your pocket today.
Micro Money
The
SBA has a great loan program called The Microloan
Program.
Although
the name is Micro, the benefits to you can
be huge. The
Microloan Program provides small, shortterm loans
to small businesses. Micro loans can
provide you working capital and fulfill other purposes
when you need money the most.
Some
of the common uses for Micro loans include:
•
Working capital
• The
purchase of inventory or supplies
• The
purchase of furniture or fixtures
• The
purchase of machinery or equipment.
Terms,
Interest Rates, and Fees and loan terms vary based
on the size of the loan, the planned use of funds,
the requirements of the intermediary lender, and
the needs of the small business borrower.
Micro
Loans are only a few of the 30 funding options available
through your Business Cash Machine.
Contact
me today to gain access to your very own
business
funding suite and access cash and credit
to
grow your business.
The 4 Cs of Lending
If
you are looking for money for your business than you
will be happy to know you only need one “C”
to qualify.
In
lending when we look to see if a client is fundable
we are looking for one of the 4 “C”s. You don’t
have to have all of the 4 Cs, only 1 to secure funding. The
first C is Cash Flow. When you have an existing business
with good cash flow you can qualify for business
funding. If
you do have verifiable cash flow this substantial
increases
your chances of being approved for funding.
There are many funding programs you might
qualify for including Business Revenue Lending. If
you don’t have cash flow your business still might
have Collateral, the second C. Collateral
for your business is really your business assets.
Many things can be used as collateral including
equipment, purchase orders, even account
receivables.
Having
Collateral greatly increases your chances of being
approved. If
you don’t have cash flow or collateral, don’t worry you still can qualify for business funding. Lenders
also look at your business Credit to qualify you.
Business Credit is our third C.
Lenders
will lend you money with no personal guarantee
based on your business credit profile and score.
If you have a good business credit profile you
can use that as security to obtain funding.
If
you don’t have business credit built now, call me so
I can help you quickly build an excellent business
credit score and profile. Maybe
you are just starting a new business, and you
have no business credit, cash flow, or collateral. In
this case you can still qualify for funding. But lenders
will use your personal Credit to qualify you. Personal
Credit is the fourth and final C that lenders will look at to approve you for funding. You can
secure credit lines, through me, up to $250,000 with
as low as a 650 credit score. These
types of unsecured credit lines do not look at
revenue or financials. Your credit is all that is used
to qualify you for funding. If
you don’t have good credit, call me. I can also help
you insure you have an excellent personal credit
profile to secure funding. All
you need is 1 of the 4 “C”s to qualify. And I
can help you build business credit and improve
your personal credit so you WILL qualify for
funding.
Contact me today so we can talk more about obtaining
money
for you and your business.
Do you have a DUNS number?
The
Data Universal Numbering System (DUNS) is a
business identifier code provided by Dun and Bradstreet. This
business identifier code was developed in 1963 to
support Dun and Bradstreet’s credit reporting practices. Today
the DUNS number is widely used to identify businesses
lending for issuing new credit. It is also used
by the European Commission, United Nations,
and the United States government. More
than 50 global, industry, and trade associations
recognize, recommend, or require DUNS.
The DUNS database now contains over 100
million entries for businesses throughout the world. The
DUNS number is a nine-digit number issued by
Dun & Bradstreet assigned to each business location
in the D&B database having a unique, separate,
and distinct operation for the purpose. The
DUNS number is a randomly assigned number used
to identify the business. Unlike
national Employment Identification Number
(EIN), a DUNS number may be issued to any business worldwide. Certain
U.S. government agencies require that
a
vendor have a DUNS number as well as a U.S. Employer Identification Number (EIN). The
Office of Management and Budget, a United States
federal agency, announced in the June 27,2003
issue of the Federal Register (68 FR 38402) that
a DUNS number would be required for all
grant applicants for new or renewal awards submitted
on or after October 1, 2003. The
DUNS number supplements other identifiers, such
as the EIN, and is required whether the application
is made electronically or on paper. Other
agencies such as some United Nations offices
and the Australian government agencies require
certain businesses to have a DUNS number. A
DUNS number is also a way in which separate
corporate
entities, having no official relationship, can
be branded as one by sharing one DUNS number
among the affiliated companies. A
DUNS number is sometimes formatted with embedded
dashes to promote readability, such as 15-048-3782.
Modern usage typically omits dashes, and
shows the number in the form 150483782. The dashes
are not part of D&B’s official definition of the
DUNS number. Numerous
other business numbering systems exist independent of DUNS—for example, the International
Suppliers Network system. However, few,
if any, register as many international businesses as
DUNS. Dun
and Bradstreet’s unique DUNS number is the most
widely used worldwide method of identifying businesses.
Contact me today to start the process of getting your
DUNS
number and getting approved for $50,000
in
business credit this year with no personal
guarantee
and regardless of your personal credit
quality.
No Personal Guarantee for Business is a Problem
Most
business owners use their personal credit and a
personal guarantee for most of their business debts. This
causes a big problem as the business owner then
becomes liable for the business debts. And
if the business has financial problems, the creditors
then start pursuing the business owner’s personal
assets like their bank accounts and home. This
can easily be prevented. Business owners can build
credit in their business name that requires no personal guarantee, and no personal liability. This
keeps business debts separate from the personal
credit, and keeps the business owner safe as
there is no personal liability. Many
hear that this is available and are very surprised,
almost think it sounds too good to be true. Business
Credit is credit that is in the business name.
This credit uses the business credit profile and
score to qualify, not the personal credit. Most
consumers are familiar with regular consumer credit.
You can go into a store like Wal-Mart and apply
for credit.
When
you apply they pull a personal credit profile, and
then approve you based on the strength of that
credit profile and score. You
can secure store credit at places like Chevron or
Wal-Mart, or you can apply for Visa and MasterCard
credit that you can use in almost any store. Business
credit works the EXACT same way. You apply
for credit at the same stores, and with Visa and
MasterCard. But
with business credit the business credit profile and
score are used for qualification, not the personal
credit. This
means there is no personal guarantee required and
no personal credit check. The
secret to success with business credit is you must
first start building credit with vendors who report
to the appropriate business credit reporting agencies. Once
this is done you then will have an excellent business
score and profile that can be used to start obtaining
credit in the business name. All
you need is a corporation to qualify. And approval
limits are much higher than normal consumer
credit.
Contact me today to get started on building business
credit
with no personal guarantee or credit check.
Your money is waiting
SBA Loans
are only a few of many financing options
available through our business funding suite. One
SBA program that might be perfect for your
business is known as CAPLines. This is an umbrella
loan program that helps small businesses meet
their short term and cyclical working-capital needs. There
are many types of CAPLine types of lines of- credit
including Seasonal lines, Contract lines, Builder
lines, and Standard and Small Asset-Based
lines. Each
line has a separate purpose which can help you
and your business. For
example the Standard line is a revolving line-of-
credit
for cyclical growth, recurring, and short-term
needs. The Seasonal lines can be used to offset lower revenues
in slower seasons, while the contract lines can
be used to pay for contract costs for expansion. SBA
offers many programs you can benefit from, and
the money is ready and waiting.
Contact me today to get started and be on your way to
$50,000 in business credit approvals with no personal
guarantee and regardless of personal credit
history.
Why is it secret? DUNS number, Paydex score, Intelliscore or Duns and Bradstreet.
You
have most definitely heard of Equifax, Experian, Trans
Union, and the FICO score before as they are household
names. But
most business owners have not heard of a DUNS
number, Paydex score, Intelliscore or Duns and
Bradstreet. Entrepenauer.com
reported that less than 10% of business
owners have any knowledge whatsoever of
business credit. WOW
is this great for you! It’s
great because now that you have found me you DO
know about business credit. It is even greater because
90% of other business owners no nothing about
it making it all YOURS. Have
you been affected by the changes in economy over
the last few years? Many
creditors have lowered credit limits while others
deny applications that once would be easily approved. This
means less money for you making it tougher and
sometimes seemingly impossible to do business. Well
not anymore. You
qualify for $50,000 or more in business credit. And
this money can be secured with no personal guarantee
or personal credit check. Business
credit is still vastly available because 90% of
business owners know nothing about it. This means you just found the $$$ goldmine you have been
dreaming of. Within
a few months you will qualify for thousands in
real usable credit. Within 6-12 months you will have
access to over $50,000 in revolving credit with major
retailers. In
1-2 years you can then continue on to qualify for $100,000-$250,000
based on how you utilize your newly
acquired credit. The
credit IS available and waiting. And this is credit
you can use to build the company of your dreams
without the personal liability..
Contact me today to get started and be on your way
to
$50,000 in credit approvals with no personal
guarantee and regardless of personal credit historyDynamax Business Credit
Experian Business
Dun& Bradstreet is the primary company used to evaluate
business credit and issue a credit score known
as Paydex. There
are also other companies that provide similar credit
evaluation services to businesses based on their
independent databases. One
of them is Experian Business who offers a credit
score known as Intelliscore. Experian,
one of the three major consumer credit rating
bureaus and also provides business credit evaluations
for over 27,000,000 small businesses and
corporations. Experian’s
model is designed for companies that provide
goods and services to small businesses.
Some
of the items listed on Experian’s reports include…
•
Business credit scores and credit summary
• Key
facts about the business
•
Corporate registration and contact information
•
Summaries of collections and payments
•
Uniform Commercial Code filing information
•
Banking, insurance and leasing information
•
Bankruptcy filings
•
Judgment filings
• Tax
lien filings
Credit
scores range from 0-100 with a lower score indicating
a higher risk for serious delinquency. Experian
does provide both consumer and business credit
risk models, but there are considerable differences
between the two.
Contact me today to start the process of establishing your
Experian business credit score and getting approved
for $50,000 in business credit this year with
no personal guaranty or credit check.
It all matters
You
do qualify for up $50,000 or more in business credit
with no personal guarantee and without a personal
credit check. Our
goal is to make this process easy and fast for you
to get approved for your new credit. Even
though we might make it seem easy, there is a
lot involved with insuring you get approved for
$50,000 or more in credit with no personal guarantee. When
building business credit, everything matters. Your
approval is sometimes based on the exact
number of employees you claim on your application.
In other cases you might be denied if
you don’t claim the right amount of vehicle gas usage
in a month. Certain
types of phone numbers should not be
used,
while it is essential to insure your number is
listed in places the business credit reporting agencies
and creditors will look. If
you don’t have the right type of phone number, or if
it isn't listed in the right places, you will be denied. The
type of corporation you list, the years you company
has been in business, and the type of ownership
all factor in to getting you APPROVED for
higher credit limits. Most
importantly, knowing and understanding which
of the thousands of creditors to apply for and
in which order to apply are essentials in the business
credit approval process. I am
here to take care of all of this for you. This way
you can enjoy the perks of having $50,000 in available
business credit without any hassles.
Contact me today to get started and be on your way
to
$50,000 in credit approvals with no personal
guarantee
and regardless of personal credit history.
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