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.

Kisah Diah


Perkenalanku dengan Diah juga sama halnya dengan perkenalanku dengan Titien, cewek yang kuceritakan pada ceritaku sebelumnya, yaitu dari hasilku berchatting ria di Internet. Pada awal chatting, Diah udah sudah begitu terbuka tentang dirinya. Dia bercerita bahwa dirinya sudah pernah dekat dengan cowok. Padaku dia mengaku saat ini dia lagi kosong. Kedekatannya terakhir dengan cowok adalah dengan seorang yang dia anggap terlalu cepat untuk minta lebih pada tahap awal perkenalan. Dia bilang cowok tersebut udah minta ML segala.

Memang untuk membina hubungan dengan seorang cewek agar si cowok dapat merasakan kehangatan tubuh si cewek, itu perlu cara dan kesabaran tersendiri. Pada dasarnya, cewek tidak menyukai cara-cara yang vulgar dan kelihatan memaksa agar dia mau memberi kehangatan pada si cowok, walaupun si cewek menyukai si cowok tersebut. Masalah berapa lama waktu yang diperlukan dalam pendekatan, itu relatif. Bahkan tak jarang dalam perjumpaan pertama sekalipun, si cowok sudah bisa mengajak si cewek untuk bersenggama, bersetubuh, ML, ngentot, atau entah apapun namanya. Seperti pengalamanku dengan si Diah ini.

Pada awal itu pula Diah, begitu aku minta, bersedia memberikan nomor telepon rumahnya. Dan komunikasipun kami lanjutkan dengan pembicaraan telepon. Di telepon dia bercerita pengalaman pertama dengan pacarnya. Secara terbersit, dia mengakui bahwa dia sudah pernah berhubungan intim dengan pacarnya tersebut. Namun pada saat itu aku belum mengetahui apakah dia masih perawan atau tidak akibat hubungannya dengan pacar pertamanya itu.

Akhirnya, setelah beberapa kali berkomunikasi melalui telepon, aku mengajaknya untuk bertemu langsung. Dia segera menyetujui ajakanku tersebut. Kami bersepakat untuk bertemu di Atrium Senen dengan pertimbangan lokasi tersebut cukup netral dari tempatku dan rumahnya yang terletak disekitar daerah Cawang. Waktu pertemuan kami sepakati sekitar jam 19.30. Sedangkan tempat pertemuannya adalah di kafe Cappucino di lantai 2 Atrium.

Dan pada hari yang memang sudah aku tunggu-tunggu, yaitu sekitar pertengahan Pebruari 2003, aku sengaja menunggu terlebih dulu di tempat yang telah kita sepakati. Aku memilih tempat duduk di luar ruangan kafe agar nantinya Diah lebih mudah menemukan diriku, Kami telah saling bertukar ciri-ciri kami masing-masing. Aku beritahu dia bahwa aku mengenakan kemeja putih dan jeans, sedangkan Diah akan memakai kaos biru dengan rok jeans. Aku suka ini. Aku suka cewek yang memakai rok. Pertama, cewek yang memakai rok terkesan lebih feminin. Kedua, itu nantinya akan lebih memudahkan aktivitas ku terhadap cewek itu selanjutnya, jika situasi memungkinkan. Tentu para pembaca paham apa yang aku maksudkan dengan "aktivitas selanjutnya" itu, bukan? he..he..he.

Setelah menunggu sekitar 20 menit, sambil celingak-celinguk memantau kehadiran cewek yang aku tunggu-tunggu. Aku dikejutkan dengan teguran pelan dari suara di arah belakangku. Dan seketika kutoleh, suara itu ternyata berasal dari seorang wanita yang ciri-cirinya sama dengan ciri-ciri wanita yang kunanti-nanti.
"Anton yah..?" Sapa wanita itu dengan suaranya yang lebih manja dan lebih enak didengar ketimbang suaranya yang selama ini kudengar melalui telepon.
"Iya. Kamu Diah, khan? Balasku singkat.

Aku sedikit agak terpana dan seketika tersadar ketika aku harus membalas uluran tangannya yang meminta jabatan tangan. Kuperhatikan cewek ini lekat-lekat. Diah lebih manis ketimbang foto yang dia berikan kepadaku melalui emailnya. Dengan tinggi sekitar 160, berat 50, bra kutaksir dia memakai ukuran 34 B, dan kulit kuning langsat, Diah kelihatan seksi dan sensual dengan setelan kaos biru sedikit ketat dan bawahannya yang dibalut dengan rok jeans selutut. Aku baru tersadar dan segera mempersilahkannya untuk mengambil tempat duduk. Lalu dia menghempaskan pantatnya yang begitu kelihatan seksi di kursi dihadapanku.

"Udah lama yah nunggunya?" tanyanya. Sebelum aku menjawab, aku sudah terlebih dahulu melambaikan tanganku ke waitress. Aku sudah lebih dahulu meminum hot cappuccino yang sudah habis setengahnya, sembari menghisap rokokku.
"Nggak juga sih. Yah, sekitar 20 menit. Oh ya, kamu mau pesan apa?" Aku memberikan daftar menu ke tangan Diah. Sambil melipat kakinya, dia membaca sekilas daftar menu tersebut. Sekilas kulirik kakinya. Kuning langsat dan bersih. Aku nggak mau terlalu lama mengarahkan pandanganku kesitu. Takut kepergok dan diketahui bahwa betapa bernafsunya aku melihat dirinya.

"Aku orange jus aja deh"
"Kamu gak pesan makanan? kamu udah makan malam, belum?" Tanyaku.
"Nggak usah deh. Ntar aja. Aku udah makan tadi dirumah".

Satu hal yang baru aku sadari dan kuketahui setelah menatap wajah cewek ini adalah kelebihan matanya. Diah memiliki mata yang indah. Sendu dan menggairahkan. Terlihat seperti memiliki sex appeal yang tinggi.
Dia kelihatan sedikit agak canggung berhadapan langsung denganku. Kusadari mungkin ini adalah 'blind date' atau 'kencan buta'nya yang pertama. Untuk menghidupkan suasana aku berusaha sesantai mungkin. Tampaknya usahaku berhasil. Dia bertambah relaks semakin lama. Dan dengan obrolan seputar diri kami masing-masing, keakraban kami semakin bertambah seiring dengan berlalunya waktu. Tak sadar waktu sudah menunjukkan jam 9. Sudah 2 jam kami ngobrol di kafe Cappucino ini. Aku lalu mengingatkan dia untuk makan malam lagi.

"Kita makan malam dulu yuk? Perutku juga sudah minta diisi nih."
"Dimana? Di Atrium sini aja?"
"Kita makan nasi uduk aja yuk. Aku tau tempat nasi uduk yang enak" Ajakku.

Aku punya rencana dengan Diah malam ini. Tentu saja rencana itu udah aku susun sebelumnya. Kami pun beranjak dan menuju ke arah daerah Cempaka Putih. Sesampainya di tempat tujuan, yaitu di depan hotel Cempaka Sari. Aku bertanya kepada Diah apakah dia mau makan di pinggir jalan atau mau pesan nasi uduknya dan makan di Restoran hotel Cempaka Sari.

"Terserah kamu aja". Aku gembira sekali dengan jawaban Diah. Karena sangat sesuai dengan rencanaku semula. Kami lalu memasuki pelataran hotel Cempaka Sari dan langsung menuju restorannya. Aku lalu memesan kepada waiter untuk dibelikan dua porsi nasi uduk, lalu dari restoran kami memesan jus melon untukku dan teh manis hangat buat Diah. Sambil menunggu pesanan, kami lalu melanjutkan obrolan kami. Aku mulai berfikir untuk melaksanakan rencanaku.
"Diah, gimana kalo kita makannya didalam aja? Biar lebih santai dan kita bisa ngobrol " Aku mulai memancing Diah dengan berusaha mengajaknya untuk check-in ke kamar.
"Ngapain? disini aja khan bisa Kayaknya Diah udah bisa nebak deh kemana arahnya " Jawabnya. Welehh, ternyata rencanaku terbaca olehnya.
"Bukan begitu, say. Kalo didalam khan bisa sambil nonton TV atau apa kek." Aku harus lebih meyakinkan dirinya agar setuju dengan ajakanku.
"Iya aku tau. Tapi kamu udah merencanakan semua ini, khan? Kayaknya kamu juga udah sering kesini yah?"
"Lho.. kamu kok bisa nebak seperti itu" ujarku tersenyum.
"Soalnya dari mana kamu tau di dalam ada TV segala. Hayoo.."
"Lha.. kalo masalah itu sih khan nggak harus aku mencoba dulu. Biasanya kalau hotel seperti ini pasti setiap kamarnya dilengkapi dengan TV"
"Sebenarnya kamu pingin apa sih dari aku? Udah deh, nggak usah berbelit-belit dan berdalih macem-macem. Atau kita pulang aja sekarang yah" Diah kelihatannya mulai curiga dan cemas akan rencanaku. Aku nggak mau rencanaku jadi buyar. Aku harus lakukan sesuatu agar lebih meyakinkan cewek ini, pikirku.
"OK deh, kamu boleh pilih, kalo kamu mau pulang sekarang, aku nggak bisa nganterin kamu. Karena aku masih sangat capek. Aku mau beristirahat sebentar di kamar sambil makan makanan yang udah dipesan. Kalo kamu mau ikut, ayo. Kalo nggak terserah deh" Ujarku dengan nada sedikit mengancam. Aku pikir ini adalah upaya terakhirku untuk menaklukkan Diah agar mau ikut dengan rencanaku. Aku lalu berdiri beranjak. Tak kuperdulikan Diah yang terbengong-bengong menatap dan memperhatikan gerakku.
"Kamu mau kemana? " Tanya Diah.
"Aku mau pesan kamar. Aku pingin beristirahat di dalam sebentar." Aku lalu menuju front office dan memesan kamar. Setelah melakukan pembayaran, aku lalu balik menuju tempat duduk di restoran dimana Diah masih duduk terdiam, mungkin sambil berfikir.
"Kalo kamu mau ikut aku, ayo. Kalo nggak, kamu bisa tinggal sebentar disini dan menunggu makanan. Dan jika kamu mau pulang dianterin aku, tunggu aku sekitar 2 atau 3 jam, kalo nggak, kamu boleh pulang sendiri. Aku panggilin taksi. Gimana?"
" Kamu emang licik, yah" ujar Diah sambil terseyum dan mengangkat pantatnya dari kursi. Kupikir dia akan memilih untuk pulang. Ternyata dia berdiri disampingku bersiap untuk mengikutiku ke kamar hotel. Siipp, rencanaku berhasil. Dengan bisa mengajak cewek untuk masuk ke kamar, itu berarti keberhasilan berikutnya sedang menunggu.

****

Sesampainya di kamar, Diah lalu menyetel TV dan duduk di kursi samping di depan TV. Aku membuka sepatuku.
"Kamu nggak pingin mandi?" tawarku kepadanya.
"Nggak ah. Ntar di rumah aja" Jawab Diah. Dia kelihatan masih yakin dan bersikeras bahwa kami hanya sebentar di kamar hotel itu. Aku lalu duduk di kasur dan ikut menatap layar TV.
"Kenapa nggak duduk disini aja?" Tawarku kepadanya. Diah terdiam tanpa menjawab. Dia kelihatan sedikit kaku atau tegang, aku nggak begitu paham. Kami hanyut dalam keheningan beberapa lama. Dia kelihatan terus menonton acara yang ditayangkan di TV. Aku berfikir gimana caranya agar dia mau pindah ke kasur. Aku lalu beranjak menuju tempatnya dan mengulurkan tangan bermaksud menarik tangannya agar mau mengikutiku ke kasur. Dia sedikit bertahan.
"Dari situ khan nontonnya gak enak, posisinya khan menyamping" Kataku memberi alasan.
"Nggak kok. Biasa aja."
"Ayo dong, duduk disini aja. Aku nggak bakalan ngapain-ngapain kok" Aku berusaha meyakinkannya. Aku harus sabar dan nggak boleh berlaku kasar. Cewek nggak suka cara kasar. Pria harus bisa mengkondisikan suasana selembut dan sesabar mungkin, walau permintaan 'arus bawah' sudah menggebu-gebu.

Diah menaikkan kakinya ke atas kursi. Kaki dan betisnya yang putih mulus menjadi santapanku kini. Mungkin karena gerakannya yang sedikit kewalahan dan rok jeansnya yang sebatas lutut itu, pahanya juga sedikti terbuka. Sekilas terlihat ruang diantara kedua pahanya. Namun karena gelap, aku nggak bisa melihat lebih jelas lagi. Yang pasti, aku menjadi semakin barnafsu. "Batang" di pangkal pahaku semakin keras menggeliat. Aku masih berdiri di depannya. Aku kembali menarik tangannya untuk mengikutiku ke kasur. Karena kedua kakinya berada diatas, posisinya agak lemah. Sehingga ketika dia kutarik, Diah kelihatan seperti mau tersungkur ke depan. Dia terjatuh dengan kembali menginjakkan kakinya ke lantai. Dan dia terlihat mengikuti tarikanku yang menuntunnya ke arah kasur.

Dia duduk di tepi tempat tidur. Kembali dia mengangkat kakinya dan duduk bersimpuh diatas kasur. Kali ini pemandangan lebih jelas. Terlihat ujung paha dan celana dalam berwarna terang, mungkin putih atau cream. Dia membenarkan posisi duduknya. Tampaknya dia sadar kalau mata "nakal"-ku sedang "menyatroni" isi roknya.

"Ah..Salah kostum nih" Ujarnya sambil tersenyum dan menurunkan bagian bawah roknya ke arah lutut, masih sambil bersimpuh.
Aku lalu menarik bantal dan berbaring agak jauh dari posisinya.
"Sambil berbaring aja lebih enak" Kataku. Dia hanya tersenyum dan tidak menjawab. Diah masih kelihatan kikuk.
"Kamu nggak usah tegang dan kaku begitu" Aku berusaha membuat dirinya lebih santai dan meyakinkan dirinya bahwa aku bukanlah ancaman. Bahkan mungkin aku akan memberinya kenikmatan malam ini.
"Aku khan bukan Vampire yang bakal menghisap darah kamu" Ujarku bercanda.
"Aku manusia biasa yang nggak makan orang. Aku lelaki normal kok. Nggak percaya?"
"Emang kamu lelaki?" Tiba-tiba Diah bertanya. Bagiku ini adalah lebih merupakan "tantangan" atau "lampu hijau" ketimbang sebuah pertanyaan.
"Iya dong. Aku bukan gay atau homo"
"Kok mirip gay?" Pancing Diah lagi tanpa memalingkan tatapannya dari TV.
Aku langsung tahu bahwa aku harus melakukan sesuatu.
"Apa? kamu kayaknya minta bukti yah" Jawabku bercanda. Kali ini aku langsung menyerbu kearahnya. Aku pegang tangannya lalu aku tarik dia. Dia terjatuh ke kasur. Aku tidak menyia-nyiakan kesempatan. Aku mencari wajahnya, tepatnya bibirnya yang sensual itu. Dia berusaha sedikit melawan dan berusaha menyembunyikan wajahnya.
"Aku harus kasih bukti bahwa aku pria sejati ke kamu" Kataku sambil mendorong hingga Diah kini terbaring terlentang di kasur. Aku mencium bibirnya dengan sedikiit memaksa. Dia kayaknya agak sedikit melawan, walau menurutku hanya perlawanan basi-basi.

Aku kini menindihnya. Ku cium leher dan pipinya bergantian. Aku tahu itu adalah daerah sensitive yang harus pertama digarap ketika pria ingin menaklukkan wanita. Aku lalu membuka kedua kakinya dengan kedua kakiku. Disini dia lebih memberikan perlawanan yang berarti. Aku lalu mempersiapkan diriku terlebih dahulu. Aku membuka celana jeans ku dengan cepat sambil tetap menindih tubuh Diah. Kini penisku bergerak dengan lebih leluasa. Aku lalu kembali melumat bibir Diah. Kali ini Diah kelihatan merespons, walau masih setengah-setengah. Tapi aku tau dia sudah agak terbawa. Kulumanku kini ku arahkan ke bukit di dadanya yang masih terbungkus kaos biru. Aku mengecup bukit sebelah kiri, sementara tangan kananku meremas bukit yang sebelah kanan.

"Ngghh.." ceracaunya halus. Diah semakin terbawa dengan permainanku.
Aku kembali berusaha membuka kedua kakinya. Dan kini berhasil tanpa perlawanan. Aku sedikit menaikkan rok nya keatas, sehinggak kedua kakiku kini berada diantara pahanya. Aku meraba daerah paling sensitif di dirinya, yaitu pangkal di antara dua pahanya. Dia menjerit halus dan menepis tanganku. Terasa tadi begitu lunak, lembab dan hangat, walau masih dibungkus celana dalamnya yang ternyata berwarna putih dan terbuat dari satin.
Aku menurunkan posisi tubuhku.

"Lho.. punya kamu ntar bisa masuk ke punyaku nih. Tuh udah tepat di depannya" Ucapnya.
Aku nggak ngerti apa itu peringatan darinya agar aku mempertimbangkan kemungkinan yang akan terjadi atas perbuatanku, atau ini sebuah tanda darinya agar aku sekarang menancapkan penisku ke "liang surga" miliknya.
Aku nggak mau berfikir untuk menjawab pertanyaan ini. Yang penting kesempatan ini nggak boleh aku sia-sia kan. Aku harus menaklukkan Diah malam ini. Aku harus bisa merasakan nikmatnya bersenggama dengannya. Akan ku kentot dia. Aku ingin menikmati memeknya. Dan dia juga harus bisa merasakan betapa hebatnya penisku nanti memompa vaginanya.
Aku lalu membuka celah celana dalamnya pas di depan liang vagina, lalu menuntun penisku menyentuh daerah nikmat tersebut. Dia mendelik, lalu terpejam.

"Ssshh..kokhh.. bener-benerrhh dimasukin sihchh.. sshh?"
Aku nggak perduli dengan nada protes, ataukah itu nada nikmat darinya. Aku tekan penisku lebih ke depan dan perlahan kepalanya sudah mulai memasuki liang vagina Diah. Kutekan lebih dalam dan kini setengah batangku yang keras sudah bersarang didalam. Ternyata kini kuketahui bahwa Diah sudah tidak perawan lagi. Aku nggak perduli. Walau demikian liang vaginanya masih begitu sempit. Aku lalu menarik sedikit penisku dan kembali kutekan dengan kekuatan penuh. JleBH. Kini seluruh penisku sudah berada di dalam liang vaginanya. Dinding vagina Diah terasa menjepit-jepit dan mencengkeram batang penisku.

"Okhh. Memek kamu enak banget." ujarku.
Aku menggenjot dengan perlahan sambil menikmati kehangatan dan jepitan vagina cewek satu ini.
"Ssshh.. okhh.. okh..kamu apain punyaku? " Tanya Diah berceracau.
"Aku sodokhk..sshh.. biar tambah lebar"
"Sialan kamu.. sshh.. akhh"
Tiba-tiba Diah mendelik dan mempererat rangkulannya di tubuhku. Aku tahu dia mau mencapai orgasmenya. Aku lalu mempercepat kocokanku.
"Kamu kapan terakhir mens ..?" Tanyaku sambil tetap menggenjot dan mencoblosnya. Aku mau memastikan apakah aku bisa menyemprotkan air maniku di dalam vaginanya. Karena bagiku, orgasme dengan meyemprotkan air mani di dalam vagina adalah hal yang sangat nikmat. Akan sangat terasa sensasi kenikmatan berhubungan seksual yang luar biasa, ketimbang pakai kondom atau "coitus interuptus" (dikeluarin di luar, bahasa "kampung"nya).
"Mungkin 3 atau 4 hari lagi aku mens. Kenaphaa? sshh.. Kamu keluarin diluar yakhh. Jangan di dalamphh..akkhh" Diah memperingatkanku yang diakhiri dengan rangkulannya yang keras dan teriakannya. Dia menarikku seakan mau menghisap punyaku seluruhnya masuk kedalam vaginanya. Aku juga sudah mau menunjukkan tanda-tanda bahwa aku akan orgasme. Aku semakin mempercepat gerakan kocokanku dan lebih mengeraskan tekananku ke dalam. Dan akhirnya..
"Sshh..okhh. ohh.. ohh.."
Crot..crot..crot.. crot.. crot.. sret.. sret..

Tanpa dapat dibendung lagi, sperma ku dengan gumpalan-gumpalan yang sangat kental dan pancaran yang begitu keras memuncrat keluar membanjiri dinding vagina Diah dan aku yakin sampai ke rahimnya. Diah terbelalak seketika. Entah dia kaget atau juga ikut kembali menikmati semprotan maniku. Aku nggak tau dan nggak perduli. Aku terkapar lemas diatas perut Diah. Masih kudengar nafas nya ngos-ngosan akibat permainan kami tadi.Aku lalu berguling kesamping dan aku tertidur sampai pagi karena nikmat dan kelelahan.

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How to Get Financing For Your Small Business In today's hostile economic environment, access to capital is the primary differentiating factor between those businesses which have been able to expand and gain market share versus those that have experienced enormous drops in revenue. The reason many small businesses have seen their sales and cash flow drop dramatically, many to the point of closing their doors, while many large U.S. corporations have managed to increase sales, open new retail operations, and grow earnings per share is that a small business almost always relies exclusively on traditional commercial bank financing, such as SBA loans and unsecured lines of credit, while large publicly traded corporations have access to the public markets, such as the stock market or bond market, for access to capital. Prior to the onset of the financial crises of 2008 and the ensuing Great Recession, many of the largest U.S. commercial banks were engaging in an easy money policy and openly lending to small businesses, whose owners had good credit scores and some industry experience. Many of these business loans consisted of unsecured commercial lines of credit and installment loans that required no collateral. These loans were almost always exclusively backed by a personal guaranty from the business owner. This is why good personal credit was all that was required to virtually guarantee a business loan approval. During this period, thousands of small business owners used these business loans and lines of credit to access the capital they needed to fund working capital needs that included payroll expenses, equipment purchases, maintenance, repairs, marketing, tax obligations, and expansion opportunities. Easy access to these capital resources allowed many small businesses to flourish and to manage cash flow needs as they arose. Yet, many business owners grew overly optimistic and many made aggressive growth forecasts and took on increasingly risky bets. As a result, many ambitious business owners began to expand their business operations and borrowed heavily from small business loans and lines of credit, with the anticipation of being able to pay back these heavy debt loads through future growth and increased profits. As long as banks maintained this 'easy money' policy, asset values continued to rise, consumers continued to spend, and business owners continued to expand through the use of increased leverage. But, eventually, this party, would come to an abrupt ending. When the financial crisis of 2008 began with the sudden collapse of Lehman Brothers, one of the oldest and most renowned banking institutions on Wall Street, a financial panic and contagion spread throughout the credit markets. The ensuing freeze of the credit markets caused the gears of the U.S. financial system to come to a grinding halt. Banks stopped lending overnight and the sudden lack of easy money which had caused asset values, especially home prices, to increase in recent years, now cause those very same asset values to plummet. As asset values imploded, commercial bank balance sheets deteriorated and stock prices collapsed. The days of easy money had ended. The party was officially over. In the aftermath of the financial crisis, the Great Recession that followed created a vacuum in the capital markets. The very same commercial banks that had freely and easily lent money to small businesses and small business owners, now suffered from a lack of capital on their balance sheets - one that threatened their very own existence. Almost overnight, many commercial banks closed off further access to business lines of credit and called due the outstanding balances on business loans. Small businesses, which relied on the working capital from these business lines of credit, could no longer meet their cash flow needs and debt obligations. Unable to cope with a sudden and dramatic drop in sales and revenue, many small businesses failed. Since many of these same small businesses were responsible for having created millions of jobs, every time one of these enterprises failed the unemployment rate increased. As the financial crisis deepened, commercial banks went into a tailspin that eventually threatened the collapse of the entire financial system. 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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