How to Get Financing For Your Small Business In the current unfavorable economic climate, access to capital is an important factor in distinguishing companies that can grow and gain market share from companies that experience significant declines in revenue. This is because many small companies have seen a significant decline in sales and cash flows, while many companies have closed their doors and many large U.S. companies have been able to increase sales and open new sales operations. Retail and increase yield per share. This is because small companies have always relied on traditional commercial bank financing, such as SBA loans and unsecured loans, while large state-owned companies have access to capital in the stock market or public markets. Bond market. Prior to the 2008 financial crisis and the Great Depression, the largest commercial bank in the United States simplified monetary policy and provided public credit to small businesses with good credit ratings and industry experience. Many of these business loans are unsecured loans and unsecured installments. Often, these loans are fully supported by the employer's personal guarantee. This is why you need a good personal loan to get an approved business loan. During this period, thousands of small business owners used loans and business loans to access finance capital for their working capital needs. Relationship. Easy access to these capital resources allows many small businesses to develop and manage their cash flow needs. However, many business owners are overly optimistic and many create strong growth forecasts and risk segments. As a result, many business owners have begun to expand their businesses and take out large loans from small business lenders, which expect to be able to repay higher loans due to future growth and increased profits. As long as banks follow the "easy money" policy, asset values will continue to rise, consumers will continue to buy, and business owners will continue to jump. But in the end this party will end soon. As the 2008 financial crisis began with the sudden collapse of Lehman Brothers, one of the oldest and most well-known banking institutions on Wall Street, financial panic and epidemics spread through the credit market. Subsequent credit market freezing caused the US financial system to stall. Banks stopped lending yesterday and suddenly ran out of easy cash, which pushed the value of assets, especially house prices, to rise in recent years, which has now led to a sharp decline in the value of similar assets. When the value of an asset increases sharply, the balance sheets of commercial banks decline and stock prices fall. Gone are the days when you could easily make money. The party is officially over. After the financial crisis, the global economic crisis has created imbalances in the capital market. The only commercial bank that easily and conveniently provides money to small businesses and small business owners who have no capital on the balance sheet. Bank threatens their life. Many commercial banks have blocked access to company lines of credit and inquire about outstanding business loan balances. Small businesses that rely on this line of working capital credit cannot meet their cash flow and credit needs. Many small businesses have been unable to cope with sharp and dramatic declines in revenue and profits. Since many of these small businesses create millions of jobs, the unemployment rate rises every time one of these businesses collapses. As the financial crisis intensifies, commercial banks are nearing their final starting point and are in danger of bankruptcy of the entire financial system. Congress and the Federal Reserve are urging taxpayers to finance the entire banking system, but the damage has been done. Billions of dollars are invested in the banking system to compensate for inefficient institutions. However, in the process, these banks do not have loan arrangements for private customers or companies. Part of the tax is that instead of supporting small businesses and preventing unnecessary business clashes and rising unemployment, thousands of commercial banks are denying business access. Small and small business owners. In the past, even after receiving savings accounts from taxpayers, commercial banks maintained an all-in-one approach and restricted access to credit and lines of credit. Enter a credit rating or payment on time. Small business bankruptcies are on the rise and unemployment is high. At the same time, the lack of capital by commercial banks means that SMEs do not exist, so large government owned companies can survive and grow businesses. More importantly, they can increase their equity by lending through the bond market or by issuing shares through the stock market. Banks have appropriated thousands of small businesses, paid off existing commercial loans and refused to offer new loans to small businesses, and large companies raised billions of dollars in capital. new. Even in mid-2012, four years after the financial crisis began, most SMEs were unable to access capital. Commercial banks continued to promote unsecured loans for most small business households. To have the opportunity to get a small business loan or a business loan, a small business must have collateral that banks can easily sell for a business loan or an amount equivalent to a business loan. For small businesses with collateral, even through SBA, there is little chance of getting a loan without the necessary collateral, such as equipment or supplies. Where the small business cannot provide collateral for a small business loan, the commercial bank will require the owner of the small business to borrow with his own property or personal property such as home ownership or money face. Check, Savings or Retirement Account as a 401K or IRA. The second puts a business bankruptcy that puts the personal property of its owner at risk. Additionally, almost all small business loans require personal credit and excellent FICO scores, but also a personal guarantee. Finally, the financial statements, including the corporate tax return, highlight the need to ensure sustainable returns in most small business loan applications. If you fail or do not meet any of these strict requirements, applications for most small business loans or commercial credit lines may be denied immediately. In most cases, business loan proposals are issued to applicants who meet all of these requirements. Therefore, there is no guarantee that a business loan application will be approved in the post-financial environment if you qualify with a good personal credit history, collateral, reliable financial reports and tax return. Access to capital for small businesses and small business owners is harder than ever. As a result of this constant capital vacuum, small businesses and small business owners began to look for alternative sources of business capital and business loans. Many small business owners looking for cash flow to fund existing operations or funds have found alternative business financing using credit card loans for cash trading and small business loans offered by private investors. Merchants who have these cash advances have a significant advantage over small businesses and small businesses over traditional commercial bank loans. Cash loans, sometimes called factoring loans, are based on the average amount of credit cards processed by a merchant or store over a period of three to six months. Virtually guaranteed credit card prepayment is accepted by any merchant or retailer who accepts credit cards as a customer payment, including Visa, MasterCard, American Express, or Discover. The total cash advance owed to the trader is determined on average over those three to six months, and the amounts are usually credited to the company's current account within seven to ten days of approval. The fixed amount is maintained and the advance and interest are determined after the advance payment has been approved by the lender. For example, if a merchant or reseller processes consumer credit cards on a daily basis, the average credit card is $ 30,000 per month. If the customer receives a prepayment of $ 30,000 and a multiplier of $ 1.20, the total refund is $ 30,000 plus a 20% discount of $ 30,000 or $ 6,000 for a full refund of $ 36,000. Thus, the merchant has $ 30,000 in the checking account and $ 36,000 will be refunded. Refunds are made with some deduction from the potential credit card seller's daily sales - typically up to 20% of the credit cards processed that day. Therefore, the seller does not have to write a check or send money. A fixed interest rate can be easily deducted from the sale of a future loan until $ 36,000 is paid. The advantage of financing these types of commercial bank loans is that the seller's financial process is not reflected in the business owner's personal credit report. It effectively separates the small business owner's personal economy from small business financing. Another benefit of improving business credit cards is that approval does not require a personal guarantee from the business owner. If the business is unable to repay the loan in full, the business owner is not personally liable and may not be required to provide a personal guarantee for the development of the business. Owners, cancellers and business managers of commercial debt financial transactions of banking companies that require personal guarantees are still forced into personal bankruptcy if the business goes bankrupt and the remaining debt is not paid. . .. A third unique feature is that prepaid credit card sellers do not need additional collateral as additional credit insurance. The following credit card lenders lose money, so there is no additional collateral. This type of financing is another attractive option for buyers, as most small businesses do not have any tangible assets other than the traditional promises of traditional bank loans. Thousands of online shops are trying to get to the capital. These companies as creditors are not well supported and are automatically rejected by ordinary loans. Finally, the granting of a prepayment by credit card is not based on a high personal or absolute debt of the owner of the company. In fact, an employer's debt can be daunting and a FICO score can be low, which doesn't stop a business from accepting payments. The credit of business owners is generally only examined for the purpose of determining the level of participation in loan repayments. However, a business owner who has just suffered a personal loss is also eligible for a secured credit card loan. Business credit card development loans are offered by a network of retail investors, so these lenders are not dominated by the new capital requirements that limit the industry. Commercial bank. The prior agreement of the seller is determined on the basis of the directives given to the network by the private lenders. Each loan application will be reviewed and monitored on a case-by-case basis and approval will be issued within 24-48 hours of receipt of a complete application, including 3-6 months. Previous debt report. Credit card seller.

Joni Tarub

Hari Senin sebenarnya bagi Mas-mas, bapak-bapak, Oom-Oom dan Arjuna pencari nafkah
adalah
waktu paling nyebelin. Sampai-sampai si Bob Geldof pernah nyanyiin lagu " I Don't Like
Monday " tahun 80an dulu (apa akhir 70an gue lupa deh).

Nah di Hari yang nyebelin itu Joni Tarub malah Happy ! Kenapa ?
Oh ada sebabnya. joni Tarub tahu banget, Lelaki yang mulai sibuknya di tempat menyari
nafkah pada hari Senin, si Betina-nya malah biasanya mencari relaksasi di hari Senin,
soalnya kan biasa banget tuh bagi kaum sibuk, untuk 'bertempur' pada akhir pekan atau
Minggu. Nah jangan pura-pura kaga percaya deh. Iktuin saja kiat-kiat Joni tarub
mengambil
selendang Nawang Wulan waktu mandi hari Senin sore ini. ( eh Joni tarub itu kisah sama
Nawang Wulan yah ? gue lupa

Senin siang itu, dengan naik tunggangannya yang galak (nama bintang galak) joni Tarub
mulai mengintai tempat-tempat para Dewi relaksasi, sebenarnya sih si Joni sudah tahu
tempat-tempat tersebut, cuma lagi mikirin... giliran lokasi yang mana yah hari ini ? Oh
di daerah Lembah Cinere sana ada tempat Dewi relaksasi, di Joni Tarubpun menuju kesana,
eh gara-gara di Doel saja jadi modern dan sekolah, tuh tempat sekarang malah jadi
fitness
center. Engga apa-apa tenang saja....

Karena member khusus si Joni Tarub cuek saja sama resepsionis yang kasih senyum,
sombong
dikit boleh dong.... Habis mainan si Joni Tarub sama instruktur fitnessnya sih bukan
resepsionis.

Yak... begitu simpan baju luarnya dalam Locker, si Joni Tarub bisa
petangtang-petengteng
deh keliling lihat-lihat para Dewi yang lagi relaksasi. ( Wah kok kaga pada mandi bugil
yah ? kayak dalam dongeng ). Lagi iseng lirik-lirik para Dewi yang berpakaian
sexy-sexy,
si Joni kaget, wah kok tepat sekale..... cuma ada 7 Dewi yang lagi santai-santai
ngikutin
senam sex. Si Joni Tarub sih kaga boleh masuk, makanya cuma ngintip saja dari balik
dedauanan eh pintu yang terbuka dikit gara-gara disenggol si Joni dengan sengaja.

Nah dari 7 dewi seksi itu, yang didepan pasti si Nawang Kencono, soalnya dia yang jadi
Instruktur, yang 6 pada mengikuti contoh dari paling si Kencono. Ck... ck... ck...
ck....
asik luh gerakan-gerakannya. Gue ceritain dikit hasil pemantauan deh. Kaga urut tapi
percaya saja sedikit gerakan yang gue ingat.

- gerakan menyambut tamu :
kalo kaga salah gerakannya begini, para dewi berdiri dengan kaki dibuka renggang
berjarak sekitar 60cm. Lututnya ditekuk sedikit, tangannya membuka kedepan ( tentu saja
menyambut tamu dong ). nah yang seru bagi Joni tarub adalah gerakan pinggul para Dewi !
Dengan badan tetap diusahakan tegak, para Dewi memajuk mundurkan pinggulnya, jadi cuma
pinggulnya yang bergerak, karena melatih otot pinggul.

- gerakan ngasih tamu minum :
Ini sih umum sekali deh, habis cuma gerakan berdiri seperti tadi dengan kaki masih
terbuka berjarak sekitar 60 cm, lalu para Dewi membungkukkan badannya sampai rata
condong
kedepan dan tangannya tentu saja menyajikan secangkir teh buat tamu yang duduk
dilantai,
Eh kakinya harus lurus luh, kaga boleh dibengkok-kan dengkulnya, nah gerakan ini
diulang-ulang terus. Fungsinya menguatkan otot paha dan betis kali... Joni tarub kaga
ahli fisik terapi sih.
sekalian juga mungkin otot perut.

- gerakan waktu mengobrol dengan tamu :
masih berdiri juga kayak menyambut tamu, tapi kali ini gerakan pinggulnya cuma
memutar-mutar saja. maksudnya mungkin biar si tamu bingung ! Jadi putarannya juga
gantian, mutar arah jarum jam, lalu habis ngitung 4 kali dibalik arah putarannya,
lama-lama juga tamunya bingung dan teler, pati muntah

- gerakan menyenangkan tamu yang sudah akrab :
Kali ini ajak tamunya ngobrol-ngobrol santai, di tikar kek atau karpet. Nah para Dewi
berbaring tapi kakinya ditekuk sehingga membentuk segitiga dengan lantai, ada beberapa
variasi gerakan ini (suka-suka elu-elu pade menekuk kakinya deh ) Inti gerakan
menghibur
tamu ini adalah, dengan posisi kaki ditekuk begitu, para Dewi menaik turunkan
pinggulnya
berulang-ulang, eh bukan seluruh badan berikut perut ! tapi cuma pinggul !

Nah gerakan menyenangkan tamu ini banyak variasinya, baik lipatan dan letak kaki maupun
goyangan pinggul. Latihan sendiri deh.

- gerakan terakhir tentu saja mengusir tamu :
Joni tarub merasa kaga perlu melihatnya. Sebab sudah mengincar si Wulan. Dari beberapa
kali perjumpaan yang sengaja diatur Joni Tarub, si Joni akhirnya tahu letak loker si
Wulan. Nah dalam Loker itu kan disimpan pakaian gantinya.

Mumpung mereka lagi melakukan gerakan mngusir tamu, si Joni buru-buru menyelinap masuk
locker yang memang sepi disiang hari itu. Baru Lewat Jam makan siang sih. Makanya Para
dewi juga engga mungkin aerobic dong juga senam yang berat-berat, yah senam sex sih
Ok-ok
saja deh, gampang sih ! NAh ada cara tersendiri bagi si Joni untuk bikin macet locker
si
Wulan, selipin saja patahan tusuk gigi atau korek api batangan, dijamin macet waktu mau
dibuka, tapi nyelipinnya juga yang mantab, biar seret banget. lalu buru-buru Joni tarub
sembunyi dikejauhan.

Maunya si Joni sih, dia ngikutin Joko Tarub, mengintip para Dewi terutama si Wulan
mandi
di shower eh kali. Tapi mana mungkin.... memangnya gue pemilik tempat ini yang bisa
pasang hiden camera ? (siapa tahu toh ? )
Jadi si Joni mengintai dari deket-deket saja, duduk-duduk di bangku dekat pintu masuk
loker, pura-puranya lagi istirahat sehabis fitness, engga lupa handuk taruh di leher
walau kaga keringatan, mirip sama tukang becak engga yah ? hehehehehehe

Nah akhirnya si Wulan selesai juga senam sex-nya. Dan saat temen-temennya mengambil
perlengkapan buat mandi, doi tertinggal karena kaga bisa buka lockernya. Dikutak-kutik
tuh kunci, tetap saja macet tuh locker Kena luh.....

Joni Tarub masih berlagak bego dulu, biarin lamaan dikit, kan teman-teman si Dewi
keburu
selesai bilasannya. Santai saja dulu, siul-siul kek atau nyanyi-nyanyi kecil dulu juga
boleh kok. Sementara si Wulan masih bingung juga dan makinan bingung. Wah gimana mau
pulang dan salin pakaian nih ? rasain luh......

KArena sudah ada temannya yang selesai bebersih dari shower si Wulan minta tolong juga,
sama saja kaga berhasil, lah para dewi itu semuanya pada lemah-lembut gemulai dan
halus-halus kok tenaganya, lagipula mana kepikir gue ganjel pakai potongan kayu kecil
sih
? pikir si Joni Tarub. Hehehehehe Berhasil nih kayaknya rencana.

Karena 5 temannya sudah pada ngambil barangnya, si Wulan makinan panik, eh dia kayaknya
mau manggil si Kencono instrukturnya. Wah.... bisa gagal nih rencana, si Kencono kan
super girl ! si Wulan pergi mencari Super Girl, si Joni mendatangi itu locker,
memastikan
super girl juga akan kesusahan membuka nantinya. Eh baru si joni balik mau duduk lagi,
ketabrak sama si Wulan yang baru balik nyari si Super Girl.

" Eh.... sorry... kaga lihat " kata si Wulan, karena memang gerakan dia jalan tadi
berbelok.
" Engga apa-apa kok " kata si Joni, kata gue gitu.
" eh ngapain luh jalan dari arah locker cewe ? " tanya si Wulan curiga ! wah.....
" engga.... kayaknya Nona tadi kesulitan membuka locker saya lihat, makanya saya mau
coba
lihat, tapi karena Nona pergi yah saya berniat mau balik lagi duduk istirahat. " wah
untung kepikir juga jawaban kilat.
" eng....... iya mas.... bisa bantu engga ? lokernya macet nih.... " kata si Wulan.
" Saya Joni, paling senang dipanggilnya kakang bukan mas...." kata saya mencoba akraban
dikit sambil menyodorkan tangan. Weleh.... namanya Dewi cantik berlagu sekali si Nawang
Wulan ini. Gue di Cuekin ! Doski berlagak kaga tahu gue sodorin tangan lalu menghampiri
lockernya.
" Eh iya deh Jon... Nih lockernya, bisa bantu engga ? " waduh galak bener ! gile minta
tolong saja galak begini, diranjang galak engga yah ?
" Ok, saya coba yah Nona manis...." sebodo deh, tetap saja gue musti simpatik dan
bermulut manis terus dengan senyum yang gue buat semanis-manisnya.

Pura-pura dulu, akhirnya karena penyebabnya gue yang bikin yah gue berhasil membukanya
dong. Sengaja lamaan dikit biar temen-temen si Wulan sudah pada selesai salinan.

" Eh.... ada gacoan baru nih ye.... " ledek salah seorang temennya.
" enak saja... orang baru ketemu, nulungin bukain locker gue yang macet " jawab si
Wulan..
Sudah kek elu-elu dewi yang lain pada mabur kayak dongeng Joko Tarub, gerutu si Joni
dalam hati.

" Eh kalao kaga keberatan, gue yang sikat nih arjuna ? " kata temen si Wulan sambil
berbisik, tapi pendengaran gue yang tajam mendengar juga. Sialan.... gue disamain
dengan
Arjuna.... Gue Joni Tarub tahu ! tapi senang juga sih

" Eh enak saja.... gue yang nemuin duluan kok... " jawab si Wulan pelan-pelan.
" siapa namanya ? " tantang temannya yang lain.
" kaga bakalan gue kasih tahu. " Nah mulai deh, akhirnya gue diperebutkan para Dewi
yang
som-som ini.
" Yah sudah, gue tinggalin luh." ancam temannya.
" biarin kaga takut...." kata si Wulan.
NAh bener deh, di tinggalin saja..... entar biar gue yang nyulik si Wulan, kata si Joni
dalam hati.

" bye.... kita duluan yah ? " kata teman-temannya si Wulan meninggalkan doi sendirian.
Gile beneran... dasar dewi-dewi angkuh, gue kaga dilirik tuh waktu ninggalin kita. Eh
ada
deh satu yang matanya rada genit. Malah mendatangin gue tuh.

" Mas... namanya siapa sih ? saya Juwita Malam...." kata doi menyodorkan tangan.
" Juwi...... awas luh macem-macem... " kata si Wulan dari kejauhan.
" eh saya biasa dipanggil kakang, bukan Mas... dan nama saya memangnya tidak dikasih
tahu
sama si......" kata gue menggantung....
" si Wulan ? wah dia pelit kang, ada cowo baru dimakan dulu sendirian, dulu cowo Juwi
juga ditilep dia waktu juwi kaga tahu..." Nah si Juwi ini rupanya termasuk gatel dan
kaga
bisa nahan mulut khas ibu-ibu bigos deh (biang gosip).

" Oh... yah sudah saya Joni, eh Wulan sudah bersuami yah Juw ? "
" Wah suaminya segudang Mas... hahahaha, kalo Juwita tuh masih single ! " Wah ngaco nih
cewe, temennya yang lain som-som yang ini malah ngobral data-data.... Kaga salah juga
sih
walaupun si Juwita kece juga tapi kalah kece sama temannya yang lain, dan tubuhnya
paling
gemuk ! tinggi 160, berat gue taksir 60kg.

Singkat Cerita Joni Tarub akhirnya bisa mengajak Nawang Wulan pulang diantar tunggangan
si joni yang namanya dari binatang buas. Di Dalam tungganganpun terjadi pembicaraan
dikit.

" Nona.... dari tadi sudah manggil-manggil saya Joni, tapi saya malah belon tahu nama
Nona, engga adil dong."
" Eh iya kelupaan, saya Nawang Wulan." kata si Wulan menyodorkan tanganya. Yah gue
ambil
saja dan gue bekap erat lalu gue angkat ke mulut, gue kecup, Cup !
" Sudah saya duga orang secantik Nona namanya juga akan indah dan bagus terdengar" rayu
gue tuh.
" Lucu ih elu ngomongnya Jon....." kata si WUlan sambil mencoba menarik tangannya. Mana
gue kasih. Gue bawa tangannya ke dada gue saja tuh. sengaja taktik juga biar nempel
terus.
" Rasakan debar jantung saya Nona Wulan, saya tidak boong dalam memuji Nona Wulan..."
kata gue.
" hi... hi... hi.... maksud Wulan... kamu ngomongnya lucu Jon, formil banget..."

Gitu deh kira-kira obrolan intim kita dalam boil gue.
Nah gara-gara gue memang sudah ngincar si Wulan ini, tentu saja gue sudah siapkan lagu
si
Cici Faramida, jangan pada ketawa luh sama lagu dangdut.
Ini kayak kopi dangdut, Top banget lagunya dan Enak.
Gue saja sering dengar di Cafe atau Coffe Shop Hotel/Resort bintang 5 di Indonesia.
Bule
saja kadang-kadang ikutan joget mendengar lagu dangdut.

Jadi begitu suasana tidak kaku lagi, gue outar lagunya deh.
Wulan merindu.

.......sunyi sepi malam, tanpa sinar bulan
sesepi diriku- sendiri dalam penantian.....
tak tahan rasanya- gelora di jiwa, ingin segera bertemu...
Duhai kekasihku, duhai pujaanku,
aku rinduuuuuuuu, kepadamu...

sekian lamanya, kumemendam rasa
tak tertahan lagi, rasa gundah di dalam dada....
teringat dirimu...terbayang kau slalu...setiap malam-malam ku....

datanglah sayangku - hadirlah kekasihku....
Wulan iniiiiiiii....... merinduMu.....

Reff: Betapa indahnya, dunia terasa-bila kau ada disisiku
Alangkah cantiknya- seakan kurasa-bagaikan ku di alam surga.....
bawalah diriku O sayang (berdua sama cowo nyanyinya)
kuingin selalu bersamamu
tak sanggup lagi diri ini
berpisah denganmu kasih

cintaku- sayangku- kasihku
kuserahkan hanya kepadamu
semoga Tuhan merestui
bahagia selamanya (kembali ke Reff)
berdua kita selamanya
bahagia selamanya.

Sorry gue bener-bener lagi naksir si Wulan nih saat ini, makanya teks lengkap lagu
Wulan
merindu gue tulis biar kita semua bisa nyanyi bareng si Joni !
Sudah gitu tampang si Wulan menurut gue beneran kece luh, tahu dong seorang cewe
bernama
W Guritno ! ituloh yang cewe hobby sepak bola di RCTI, Nah kaga kalah kece deh si Nawan
Wulan ini, namanya saja mirip kok

Untung rumahnya si Wulan kaga jauh-jauh dari tempat kita bersua, jadi begitu lagu Wulan
merindu selesai kita hampir sampai tuh, sengaja saja lagunya gue kecilin biar terdengar
jelas petunjuk belok-beloknya.

" Mampir Jon ? yuk minum dulu...." ajak si Wulan saat tiba di depan rumah mungil cuma
ada
carport saja.
" Tinggal sama siapa disini yang ? " gile kan ? baru kenal sebentar saja gue sudah
berani
panggil 'yang' begitu.
" berdua saja sama pembantu...... eh... gue kaga salah denger tuh ? tadi elu ngomong
apaan ? " tuh kan kaget juga dia pasti waktu gue panggil 'yang' tadi itu.

" Yang mana, yang ? "
" yang nya itu loh ? yang bener saja luh Jon ? "
" Loh Perempuan secantik kamu harus disayangi dong ? dan rasanya tidak salah kalau saya
menyangi perempuan secantik kamu kan ? Lagipula saya suka manggil begitu, cuma biar
lebih
akrab saja, engga ada maksud lain kok, maksudnya supaya saya ingat, tidak boleh kasar
dan
galak sama kamu, kamu tuh mesti disayangi, karena kamu memang patut mendapatkan kasih
sayang dari seorang cowo, bagaimana menurut kamu yang ? " Jelas gue panjang lebar, yang
bikin si Wulan melongo jadinya, maklum saja dari tadi ngomongnya gue pendek-pendek saja
tuh.

" Eh... iya deh, waduh elu nyerocosnya kayak Juru lelang di TV saja luh, kaga ada
berhentinya. "
" Habis baru nomong yang doang di protes, apalagi......" sengaja gue gantung.
" apalagi apa hayo ? " tanya si Wulan penasaran.
" Masuk dulu deh..." kata gue, lalu kitapun turun dari boil yang parkir di depan saja,
lalu masuk dengan membuka pintu sendiri, si Wulan yang buka gitu.

" yang pembantunya mana ? katanya punya pembantu." tanya gue begitu masuk ruang
tamunya.
" ah palingan tidur siang, kalau jam segini sih..." jawab si Wulan. HAH ? gile bener...
pembokat sekarang ada waktu tidur siangnya ? lalu si Wulan melanjutkan setelah menutup
pintu ruang tamu.

" Ayo tadi mau apaan ? "
" yang mana lagi, sayangku....." makin menjadi-jadi deh gue. Habis tamu baru kenal
begini
saja masuk rumahnya sudah menutup pintu ruang tamu, artinya gue boleh berbuat apa saja
dong.
" itu loh Jon, kalau gue larang ngomong sayang, apalagi apaan ? " tanya si Wulan, wah
masih penasaran dia rupanya.
" Oh itu..... (gue bergerak mendekati doi...) maksud gue apalagi kalau......." gue
ngomongnya pelan-pelan tuh dan sambil menatap mata si Wulan yang seperti terhipnotis
melihat mata gue juga, kata orang sih mata gue mata elang, ah bodo deh, amat gue biasa
saja sih... lalu tentu saja pandangan kita kabur karena jarak pandang kelewat dekat,
yah
bibirnya doi langsung gue pagut. Cukup sebentar gue cipoknya, soalnya cuma mau
menunjukan
pada si Wulan gue berani mencium doi. Engga di gaplok tuh, malah di balas. Makanya
cukup
sebentar saja.

" jonnnn..... ah..."
" kenapa ? kayaknya kalo si Joni boleh saja mencium orang yang disayangnya dong Wulan
sayang ? "
" Gue kira mau ngapain luh jon...." wao, selangkangan gue di pegang, eh diusap doi.
" Eh, katanya mau ngasih minum..." gue yang menahan diri deh, gile cepet bener
prosesnya
kalau beneran langsung ngewe, kayak di film BF saja.

SElama doi ngambil minum gue melihat sekeliling Ruang tamunya yang merangkap ruang
keluarga dan nyambung dengan ruang makannya (maklum rumah mini, palingan model rumah
type
54), gue cari sekeliling foto keluarganya wah kaga ada. Apa iya sebatang kara ?

Untuk mempersingkat, gue bilangin deh, di Wulan ini cewe mandiri, semua punya sendiri,
entah siapa yang kasih, kaga ada yang memelihara, dan orang tuanya kaga kaya di kampung
(sulawesi asalnya bukan sunda), ini rymahnya milik pribadi, mobilnya lagi di bengkel,
cuma Baleno.

" lagi ngapain jon ? " tiba-tiba saja muncul suara merdu si Wulan yang sudah bawain
cola-cola. Jangan pikiran negatif dulu, si Joni kali ini kaga di bius kok.
" eh..... lagi liat-liat saja eh ..... kaget nih....." dua kata terakhir gue muncul
karena pantat gue diremas sama si Wulan, beneran, kaga boong deh. Gue balik badan lalu
menagkap tangannya dan gue tarik (untung sudah menaruh minuman di atas meja) langsung
gue
peluk dan cium tuh bibir. Walah pantat gue di peras-peras segala, memangnya jeruk kali
?

Singkat saja ceritanya, tahu-tahu kami sudah mulai meraba-raba tubuh kami saat ciuman
itu
belum terlepas, eh kurang singkat gue ceritanya, maksud gue tubuh kami yang sudah
polos,
bugil-gil !

Begitu gue sudah melangkah dan menendang celana gue dikarpet kuning yang menutupi
lantai
ruang tamunya, gue pikir boleh deh sekarang melepaskan ciuman, mau lihat dulu dong,
tampang polosnya si Wulan kayak apa nih, tadi sih jembutnya lumayan tuh, halus-halus
dan
kaga banyak waktu gue usap-usap dengan insting saja (maksudnya kaga melihat lagi ) dan
sudah mulai lembab karena cairan tubuhnya sudah berproduksi juga.

Plop !.... bunyi luh ngelepasin ciuman secara sepihak begitu, soalnya gue yang maksa
lepas dulu sih.... Lalu gue mundur selangkah dulu untuk melihat lebih jelas.

" Wow.... indah sekali tubuh kamu Wulan sayang.... " pujian tulus gue pada doi, setelah
melihat bentuk tubuhnya yang memang bagus, sudah kebayang sih sejak melihatnya pakai
baju
senam di Fitness Centre dari kemarin-kemarin, makanya gue mau ngejar doi, dan terbukti
mulus-lus tuh kulit, putih bersih (eh coklat muda banget gitu, mana ada kulit yang
warnanya putih beneran kayak kertas) malah tidak bercak-bercak kemerahan kayak kulit
putihnya gadis keturunan chinese yang putihnya gile bener (ada yang kuning langsat dan
hitam juga kok gadis chinese ! ).

Selangkannya bersih banget, tidak ada guratan warna gelap yang sumbang pada harmoni
warna
kulitnya. Pokoknya just perfect ! kayak patung model deh ! Ukuran toketnya yah seperti
biasa Pas susunya. (kayaknya yang gue maksud ukuran pas susunya itu, sudah iseng-iseng
gue tanyain kecewe-cewe tuh, Cup "C" bagi gue sangat pas, banget, kalau ukuran 32 atau
34
atau 36 atau 38 malah, itu sih ukuran lingkaran dada di bagian toketnya. JAdi ukuran
mantapnya meremas toket yah bagi gue " Cup C - nya " itu lah.... Cup D ? Wow terlalu
gede, sudah pernah produksi ASI tuh ! biasanya..... Malah gue suka juga sama cewe yang
ukurannya cuma cup B luh, seru kayak toket anak-anak baru tumbuh

Baru melihat putingnya yang lumayan besar segede kacang tanah dengan aerola segede
limapuluhan lama. Eh.... si Wulan sudah nyamperin gue lagi untuk kembali mencium
gue....
satu tangan memeluk leher gue, satu tangan lagi mengusap dan meremas pantat gue lagi
yang
kali ini bugil-gil, jadinya kontol gue kegencet deh sama perut dia...
(baru siaga dua luh, belon siaga satu... kalo si junior siaga satu... wah sakit man....
ditabrak gitu kok..)

Nah waktu usapan tangan si Wulan merambat kepinggul depan gue dan ketemu sama si
junior,
doi menggenggam erat si Junior tuh, takut kabur kali si juniornya dia pikir. Tiba-tiba
doi berlutut, dan langsung mengulum di junior tanpa di cium dulu. Gile bener rakus
amat.... jepitan bibirnya yang hangat dan erat terpaksa membuat gue nyuruh si junior
siaga satu deh. Apalagi lidahnya yang menggelikan menyapu-nyapu dan menelusuri
permukaan
helm si junior. wow...... enak gila.... beneran enak banget.... aaaaaahhhh.......
Tangan
gue saja cuma bisa mengusap-usap rambut si wulan tuh. Mata gue tadinya sih pengen merem
saja menikmati, tapi karena si Wulan cantik banget gue ingin menikmati wajahnya yang
lagi
nge-lolipop-in gue tuh. Wah sexy banget tampangnya. MEnggairahkan sekale.....
aaaahhhhh....... nikmat banget dan senang sekali gue saat itu, wah.... ini rumah
kayaknya
firdaus kali yah ?

" Jon gantian dong, bikin wulan senang sekarang ? " kata si Wulan setelah beberapa saat
doi puas nge-lolipop-in gue dan gue juga apalagi puasnya...., doi mundur dan duduk
dengan
posisi setengah tidur di sofa belakangnya, maksud gue badannya tidur di sofa yang
seharusnya buat di dudukin. Kakinya mengangkang lebar-lebar dengan membuang jauh kedua
kakinya pada tepi sofa. (Padahal tuh sofa untuk duduk 2 orang luh ! tapi kakinya sampai
tuh di taruh di pegangan tangan kedua sisi, Ini posisi Split kali yah ? )

" Baik Wulanku sayang......" Gue buru-buru saja deh berjongkok dan ambil posisi mau
ngejuice dulu, kan di suruh.....

" Eh jangan tunggu lagi, langsung saja setubuhi Wulan Jon.... pakai kontol elu yang
gede
itu..." wah mendengar cewe cantik, kece, indah dan seksi seperti si Wulan ngomong jorok
gitu menimbulkan sensasi luar biasa luh.
" Sabar dikit wulan.... inspeksi medan perang dulu dong sebelum bertempur...." kata
gue.... lalu nekat mau mulai nge-juice....

Uek..... walah..... tubuhnya sexy gini kok juicenya rasa kaga karuan sih ? habis du
cuci
pakai apaan nih tadi ? Sari tubuhnya jadi campur sama bau apa tuh ? dan rasa juice
aslinya waktu gue korek pakai lidah juga kaga manis-manis amat, cenderung asem-asem
dikit
gitu.... Wah bener deh... mendingan gue entot saja buru-buru.....

Jadilah gue bangkit berlutut menghampiri medan perang dengan si Junior siap menembak.
Eh
posisi begini asik juga luh..... tangan gue bebas mengusap-usap seluruh tubuh si Wulan
dari wajahnya yang kece manis dan cantik, sampai toketnya yang gue bilang pas ukuran
susunya. Tangan si Wulan merayapi Dada gue dan sesekali mencoba meraih muka gue juga.
Kok
si junior kaga bergesek hebat yah ? apa karena sudah longgar atau terlalu licin ?
Karena
si Junior lumayan besar, gue sih berasa juga gesekan kulit-kulit otot si Junior yang
berurat itu dengan dinding memek si Wulan, tapi kurang sip nih..... doi kaga menjepit
sih.... Waw......

Baru gue bilang kaga menjepit, lagi enak-enak mompa si Junior ke dalam tubuh si Wulan,
saat si Junior menyentuh bagian terdalamnya tiba-tiba di Jepit dengan KERAS ! Gila
bener,
hampir rasanya mau nge-cret tuh ! Banyangin saja mata tunggal si Junior menyentuh bibir
rahim si Wulan, kan nikmat sekali tuh, eh leher si Junior mendadak sekalian badannya di
jepit erat ? bisa muntah kan ? Untung saja gue kaga nyuruh si Junior menembakkan peluru
khususnya. Sabar jon.... kata gue dalam hati.... nikmati saja perangnya dulu.... lalu
gue
sadar nafas si Wulan lebih kencang dan keras dari nafas gue. Putingnyapun keras banget,
gue pikir tadinya kacang beneran di tempel pakai lem di situ, ternyata kalau puting
cewe
lagi ngaceng keras, beneran keras luh !

" Wah.... gue pikir tadinya memek elu kaga bisa ngejepit yang...." kata gue ngajakin
ngobrol biar lupa kalau harus menembakkan peluru saat perang gini... Maunya sih bilang
tuk mecky sudah longgar banget, tapi entar doi tersinggung lagi.....

" Berasa longgar yah Jon ? " eh doi yang ngomong tuh.... bukan salah gue luh....
" yah ukuran normal sih longgar dikit deh.... kok nanya sih ? " tanya gue yang
penasaran,
habis kayaknya pikiran gue kebaca sih....
" soalnya..... tadi sebelum pergi senam gue ngentot dulu sama pacar si Fifi yang arab
itu... " kata si wulan... HAH !!

Tenang joni...tenang.... jangan kaget.... Elu di bandingin sama arab tuh... Wah gue
mesti
ngadu sama si Jaya nih, Kontol Nusantara di adu sama kontol Arab ! Kontol arab terkenal
panjangnya kan ? Wah gimana nih ? Sialan banget.... lupa pakai kondom ! tuh Arab
penyakitan engga yah ?

" Loh Wulan.... kamu sering ngewe sama cowo asing ? " tanya gue nekad saja, habis nih
anak sudah berani gitu terbukanya sama gue, open book gitu istilah bule-bule.... (kali
?!? )
" engga juga sih.... cuma cowonya temen-temen saja, atau memang yang gue kenal orangnya
dengan baik ! "

DUNG !

Si Joni tarub terkejut banget kayak disambar geledek, eh DHUAR ! begitu deh suara
geledeknya si Joni. Kenapa kaget ? Lah kata si Wulan sudah kenal dengan baik ? Kok gue
mendadak merasa Top sih ? kenal dimana ? si Nawang Kencono kali nih yang ngasih tahu ?
atau ? atau ? atau ? ....... sebodo ah, pokoknya sekarang gue lagi mompa cewek paling
cantik di Fitness centre yang gue temuin itu.

Kita ngobrol-ngobrol porno deh selama bertempur hebat dalam persetubuhan itu. Tentu
saja
pikiran gue yang tadinya mau tahu soal 'kenal baik' itu kaga gue ungkapkan, Kita
ngobrol
soal si Arab yang ngewein doi saja tuh sama kontol-kontol yang pernah di cobain si
Wulan.
Kata si Wulan sih si Arab tuh paling panjang yang doi pernah rasain, tapi cuma beda 3
jari tangan dia panjangnya sama punya gue... busyet deh... 3 jari memangnya dikit ?
Tapi
kontol gue lebih gemuk dan besar, paling besar yang pernah si wulan cobain.... Wah
bangga
juga gue....
paling kecil ? kata si wulan yah sekitar 3 jari lebih pendek dari punya gue deh....
karena penasaran gue ambil tangannya untuk pura-pura gue cium allu gue ukur, Oohhh
jarinya sekitar 3 Cm tuh untuk 3 jari yang dia maksudkan, gue heran deh, nih cewe
lumayan
tinggi tapi lentik banget jarinya, kecil mungil gitu. memang sih rahimnya kaga
dalam-dalam amat, Wah gaya apa yah sama si Arab mainnya tadi itu ? sampai longgar
begini
medan perang gue sekarang ?

" Tadi gaya apaan wulan sayang, waktu sama si Arab ? " (sorry loh kaga bermaksud
Rasial,
cuma obrolan beneran dari kisah nyata si Joni.... Ini sebagian kisah nyata di
modifikasi
kok ! )
" yah gaya tradisional saja dan nyamping doang... " jawab si Wulan....
HA... HA... Ha.... pintar banget si Wulan.... gaya tradisional, tentu saja biar
rahimnya
kaga jebol ! kalo kaga wah...wah... wah... elastis sih elastis... berani taruhan berapa
juga sama cewe, gue jamin kesakitan kalau kontol panjangnya kaga sesuai dengan panjang
saluran sanggama tubuh si cewe, lalu posisinya pakai gaya memperpendek salurah ngewe
itu,
wow.... PASTI si cewe kesakitan ! Memang ada cewe-cewe yang bisa dan biasa menikmati
sex
dengan kesakitan, kesakitan tapi nikmat katanya, tapi bener kan kesakitan ? Pinter juga
si Wulan, dengan gaya tradisional kan panjang salurannya bisa mulur panjang tuh....
Coba
dengan gaya sekarang ? Kontol gue saja sudah nyundul dengan keras rahim si Wulan kok ?
Dan pintar lainnya lagi dari si Wulan, pakai gaya nyamping segala... Pasti si Arab awet
kuat ngentotnya tuh.... makanya gaya nyamping buat bikin pinggang cowo capek ! Nawang
Wulan.... Kamu pasti gadis yang cerdik.....

Karena kami ngobrolnya asik dan gue sangat menikmati persetubuhan kita, gue kaga tahu
kejadian lain diluar Ruang Tamu Firdaus ini tuh..... Terus saja ngobrolnya, heran....
ngobrol porno dan ngomong jorok gitu kok kaga habis-habisnya yah ? Posisi kaki si Wulan
sudah ganti-ganti tuh.... Dari di bentang lurus-lurus kesamping, dia tekuk dengkulnya
sampai di belakang telinganya, lalu dia balik lagi melebar lurus nyamping dan dia tekuk
lagi dengkulnya sampai belakang telinga, memangnya lagi Fitness ??

" Gile.... beneran luh.... sejam lebih...." ada suara asing ! cewe juga..... Oh my
god......
" sejam setengah gila......." suara cewe lain.... dan gue sudah melirik untuk melihat
ada
6 cewe memperhatikan kami bertempur, ngewe dan ngentot di ruang tamu itu, termasuk satu
orang asing yang gue duga pembantunya si Wulan. (Menang bener pembantunya sih, cantik
juga walau rada coklatan dikit kulitnya dan langsing... kaga kayak pembantu dekil jelek
deh..... elu-elu pasti ngincar pembantu ini tiap malam kalau kerja di rumah elu, gue
jamin....)

Eh.... rupanya teman senam si Wulan tuh.... dan yang bikin kaget lagi... semuanya
dengan
keadaan mengekspos selangkangannya yang rata-rata berjembut teratur rapi...... termasuk
pembantunya si Wulan. Ada 3 orang dengan dildo dikeluar masukan ke dalam memeknya,
bentuk
tuh dildo kaga sama, ada yang warna hitam, negro, ada yang besar berurat lebih dari
junior gue gedenya, ada yang berupa logam mengkilat kayak silver atau stainless-steel
kali. Yang 3 orang lagi sepertinya cuma mengusap-usap mecky mereka dengan tangannya
atau
menrojok dengan 2 jari tangan tuh. Gila Bener........ Gue jadi Aktor friends !!!

" Sini lihat dari dekat sayang....." kata si Wulan pada temannya.
" Ah.... entar mengganggu lagi...." jawab seseorang yang kayaknya cuma pakai tangan
mengusap mekcynya. tapi mereka akhirnya mendekat kok, dan ternyata yang tadinya gue
pikir
cuma pakai tangan, didalam meckynya ada Bola besi tuh, 2 sekaligus ! (Ben Wa Ball yah ?
gue kaga paham alat-alat bantu masturbasi cewe deh, gue cowo sih ! ) Belakangan gue
tahu
Bola besi itu, dalamnya ada bola besi lagi yang lebih kecil dan berat, jadi kalau masuk
dalam mecky (begitu cara pakainya, dimasukin dalam-dalam ) tuh bola besi didalamnya kan
selalu goyang-goyang seiring si pemakai bergerak tuh..... dan ....... yah si pemakainya
merasa ngentot terus selama dia pakai dong ! Heran juga gue di Indonesia ada tuh ! (
iya
engga Petrus Heng Dju ? )

Dikelilingi cewe yang rata-rata lumayan cantik itu, membuat semangat gue bertambah,
bukannya mau nge-cret malahan makinan nikmat saja rasanya.

Mereka memang punya kode etik tersendiri, tidak mengambil cowo yang lagi menyetubuhi
teman mereka, dan tidak membagi si Cowo, kecuali memang di bagi oelh si cewe yang lagi
menyetubuhi si cowo. Lucu juga ini grup. GUe sih cuek saja... karena mereka pada
mendekat
yah gue pegang-pegang dong meckynya !

Gila nih.... dari ciri-ciri yang biasa gue lihat. Gue kaga tahu apakah si Wulan sudah
mencapai O atau belum yah ? kalau melihat cairan di tempat kami bertempur sih dari awal
juga rasanya kaga berkurang tuh, malah sudah meleber sampai sofanya basah juga (yah
campur keringat deh...)

" Wulan sayang..... kamu dari tadi sudah mencapai puncak apa belum sih ? " tanya gue
memberanikan diri.
" Gila luh kali jon.... memang dari tadi gue ganti-ganti posisi kaki gue ngapain elu
kira
? Tiap ganti posisi yah gue sudah mencapai puncak kenikmatannnnnnnn.........
Aaaaaaaahhhhhhhh........ " kali ini matanya melotot melihat gue tuh langsung kedalam
mata
gue.
" elu sih ngajak ngomong soal puncak kenikmatan segala.... barusan gue sampai lagi
tuh..... " kata si Wulan sehabis nafasnya teratur kembali setelah teriak kencang gitu.
Gue dengar beberapa teman doi juga ikut-ikutan teriak tuh....
Apa iya Orgasme menular ?

Dan..... karena makinan ramai suara-suara cewe-cewe pada mencapai Orgasme di sekeliling
gue, gue jadinya iri nih. Gue juga mau Orgasme ah...... ayo junior.....
" Yang....... gue nge-cretnya didalam yah ? " tanya gue pada si wulan sambil
mengusap-usap toketnya dengan lemah lembut. Doi mengangguk. Dan cret... cret...
cret....
cret... cret..... Wah kaga ngitungin deh berapa kali, pokoknya rasanya segelas kali tuh
sperma gue sama cairan maninya. Soalnya sampai meluber keluar segala sih, padahal waktu
nge-cret dari pertama kali kaga gue tarik luh ! cuma gue goyangin saja di dalam sana
ujung kepala si junior.

Belakangan gue tahu. Mereka kenal dan tahu soal gue bener-bener dari guru senamnya yang
pernah gue entotin 2 jam, sampai kapok-kapok.

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Although Congress and Federal Reserve Bank led a tax payer funded bailout of the entire banking system, the damage had been done. Hundreds of billions of dollars were injected into the banking system to prop up the balance sheets of what were effectively defunct institutions. Yet, during this process, no provision was ever made that required these banks to loan money out to consumers or private businesses. Instead of using a portion of these taxpayer funds to support small businesses and avert unnecessary business failures and increased unemployment, commercial banks chose to continue to deny access to capital to thousands of small businesses and small business owners. Even after receiving a historic taxpayer funded bailout, the commercial banks embraced an 'every man for himself' attitude and continue to cut off access to business lines of credit and commercial loans, regardless of the credit history or timely payments on such lines and loans. Small business bankruptcies skyrocketed and high unemployment persisted. During this same period, when small businesses were being choked into non-existence, as a result of the lack of capital which was created by commercial banks, large publicly-traded corporations managed to survive and even grow their businesses. They were mainly able to do so by issuing debt, through the bond markets, or raising equity, by issuing shares through the equity markets. While large public companies were raising hundreds of millions of dollars in fresh capital, thousands of small businesses were being put under by banks that closed off existing commercial lines of credit and refused to issue new small business loans. Even now, in mid 2012, more than four years since the onset of the financial crisis, the vast majority of small businesses have no means of access to capital. Commercial banks continue to refuse to lend on an unsecured basis to almost all small businesses. To even have a minute chance of being approved for a small business loan or business line of credit, a small business must possess tangible collateral that a bank could easily sell for an amount equal to the value of the business loan or line of credit. Any small business without collateral has virtually no chance at attaining a loan approval, even through the SBA, without significant collateral such as equipment or inventory. When a small business cannot demonstrate collateral to provide security for the small business loan, the commercial bank will ask for the small business owner to secure the loan with his or her own personal assets or equity, such as equity in a house or cash in a checking, savings, or retirement account, such as a 401k or IRA. This latter situation places the personal assets of the owner at risk in the event of a small business failure. Additionally, virtually all small business loans will require the business owner to have excellent personal credit and FICO scores, as well as require a personal guaranty. Finally, multiple years of financial statements, including tax returns for the business, demonstrated sustained profitability will be required in just about every small business loan application. A failure or lack of ability to provide any of these stringent requirements will often result in an immediate denial in the application for almost all small business loans or commercial lines of credit. In many instances, denials for business loans are being issued to applicants which have provided each of these requirements. Therefore, being able to qualify with good personal credit, collateral, and strong financial statements and tax returns still does not guarantee approval of a business loan request in the post financial crisis economic climate. Access to capital for small businesses and small business owners is more difficult than ever. As a result of this persistent capital vacuum, small businesses and small business owners have begun to seek out alternative sources of business capital and business loans. Many small business owners seeking cash flow for existing business operations or funds to finance expansion have discovered alternative business financing through the use of merchant credit card cash advance loans and small business installment loans offered by private investors. These merchant cash advance loans offer significant advantages to small businesses and small business owners when compared to traditional commercial bank loans. Merchant cash advance loans, sometimes referred to as factoring loans, are based on the amount of average credit card volume a merchant or retail outlet, processes over a three to six month period. Any merchant or retail operator that accepts credit cards as payment from customers, including Visa, MasterCard, American Express, or Discover, is virtually guaranteed an approval for a merchant credit card advance. The total amount of cash advance that a merchant qualifies for is determined by this three to six month average and the funds are generally deposited in the business checking account of the small business within a seven to ten day period from the time of approval. A set repayment amount is fixed and the repayment of the cash advance plus interest is predetermined at the time the advance is approved by the lender. For instance, if a merchant or retailer processes approximately $1,000 per day in credit cards from its customers, the monthly average of total credit cards processed equals $30,000. If the merchant qualifies for $30,000 for a cash advance and the factoring rate is 1.20, the total that would need to be repaid is $30,000 - plus 20% of $30,000 which equals $6,000 - for a total repayment amount of $36,000. Therefore, the merchant would receive a lump sum of $30,000 cash, deposited in the business checking account, and a total of $36,000 would need to be repaid. The repayment is made by automatically deducting a pre-determined amount of each of the merchant's daily future credit card sales - usually at a rate of 20% of total daily credit cards processed. Thus, the merchant does not have to write checks or send payments. The fixed percent is simply deducted from future credit sales until the total sum due of $36,000 is paid off. The advantage to this type of financing versus a commercial bank loan is that a merchant cash advance is not reported on the personal credit report of the business owner. This effectively separates the personal financial affairs of the small business owner from the financial affairs of the small business entity. A second advantage to a merchant credit card cash advance is that an approval does not require a personal guaranty from the business owner. If the business is unable to repay the merchant cash advance loan in full, the business owner is not held personally responsible and cannot be forced to post personal collateral as security for the merchant advance. The owner removes the financial consequences that often accompany a commercial bank business loan that requires a personal guaranty and often forces business owners into personal bankruptcy in the even that their business venture fails and cannot repay the outstanding loan balance. A third, and distinct advantage, is that a merchant credit card cash advance loan does not require any collateral as additional security for the loan. The future credit card receivables are the security for the cash advance repayment, thus no additional collateral requirements exist. Since the majority of small businesses do not have physical equipment or inventory that can be posted as collateral for a traditional bank loan, this type of financing is a phenomenal alternative for thousands of retail businesses, merchants, sole proprietorships, and online stores seeking access to capital. Such businesses would be denied automatically for a traditional business loan simply because of the lack of collateral to serve as added security for the bank or lender. Finally, a merchant credit card advance loan approval does not depend upon the strong or perfect personal credit of the business owner. In fact, the business owner's personal credit can be quite poor and have a low FICO score, and this will not disqualify the business from being approved for the cash advance. The business owner's personal credit is usually checked only for the purpose of helping to determine that factoring rate at which the total loan repayment will be made. However, even a business owner with a recently discharged personal bankruptcy can qualify for a merchant credit card cash advance loan. Since the cash funds being lent on merchant credit card advances is provided by a network of private investors, these lenders are not regulated or affected by the new capital requirements that have placed a constraint on the commercial banking industry. The merchant cash advance approvals are determined by internal underwriting guidelines developed by the private lenders in the network. Each loan application is reviewed and processed on a case-by-case basis and approvals are issued within 24 to 48 hours from receipt of a complete application, including the previous three to six months of merchant credit statements. Merchant credit card.

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