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.

Pijat Plus Plus

Pada suatu hari Kamis tahun 2003, saya sedang dipijit oleh Sonya. Kebetulan hari Senin adalah hari libur, maka iseng-iseng saya ajak Sonya untuk minta dipijit ekstra.

“Pijit ekstra dimana?” tanya Sonya.
“Kemana ya? Keluar kota aja tapi jangan jauh-jauh” sahut saya.
“Terserah kamu yang punya uang” jawab Sonya.
“Ke Bogor aja yuk, di Novotel”
“Boleh aja”

Sonya yang berkulit putih, tingginya 168 cm mempunyai wajah yang manis. Walaupun wajahnya tidak seayu Wina tetapi ia memiliki daya tarik tersendiri. Gaya pijatnya pun enak dan tidak mengecewakan. Sonya akhirnya sepakat untuk ber-long weekend di Bogor. Sebelum selesai memijit, kami berjanjian untuk bertemu di satu tempat pada hari Sabtu siang sebelum ke Bogor.

Hari Sabtu siang, saya menjemput Sonya di Plaza Senayan. Sonya membawa tas berukuran kecil, ia mengenakan kemeja warna putih dan celana jeans.

“Enggak bawa baju? Kan nginap 2 malam” tanya saya.
“Bawa baju kok, tapi untuk apa bawa banyak-banyak kalau toh nggak dipakai?” jawab Sonya dengan senyuman nakal.

Kami langsung berangkat ke Bogor menuju Hotel Novotel. Setiba di hotel, kami check in. Saya meminta kamar yang ada jacuzzi. Kamar ini cukup luas dan ada jacuzzi yang menghadap ke balkon tetapi didepan balkon itu ditanam dengan pohon-pohon yang berdaun lebar sehingga orang dari luar tidak bisa melihat ke dalam kamar.

Begitu tiba di kamar, saya minta room service untuk menyalakan jacuzzi. Setelah selesai, room service keluar dari kamar. Sonya sedang asyik nonton TV Infotainment. Tanpa basa-basi, saya langsung menyerang Sonya dengan ciuman di pipi dan bibir. Sonya sedikit kaget tetapi ia langsung membalas ciumanku.

Payudaranya saya remas dari balik kemejanya. Perlahan jari-jari saya membuka kancing baju Sonya dan kemudian dilanjutkan dengan membuka BH. Masih dalam posisi ciuman, saya membuka celana jeans Sonya dan menariknya kebawah. Sonya praktis sudah telanjang dada dan hanya mengenakan celana dalam mini warna merah tua.

“Curang, saya udah telanjang tapi kamu belum” protes Sonya.

Sonya langsung membuka baju kaos dan celana jeans plus celana dalam. Ia sempat tertegun melihat kontolku tapi kemudian langsung ia hisap. Saya rebahan ditempat tidur tapi kaki saya terjuntai kebawah, sedangkan Sonya berlutut disamping tidur sambil menghisap kontolku.

“Umm.. Enak, gede banget Arthur” gumam Sonya.

Sonya menghisap kontolku selama beberapa menit, setelah puas saya menarik Sonya ke Jacuzzi. Sonya membuka celana dalamnya sehingga ia telanjang bulat. Bulu kemaluannya ia cukur habis sehingga bibir vaginanya bisa terlihat dengan jelas. Di Jacuzzi kami kembali berciuman. Payudaranya tak henti-hentinya saya remas dan jari jemariku juga ikut memainkan klitoris Sonya. Sonya hanya pasrah menerima serangan dari tangan-tangan saya ditubuhnya.

Kemudian saya angkat tubuh Sonya dan mendudukkannya di tepi Jacuzzi. Sonya merentangkan kakinya sambil bersandar di dinding. Vaginanya langsung saya jilat, tak luput dari jilatanku adalah daerah anus dan selangkangannya. Sonya sampai menggelinjang kegelian.

Puas menikmati vaginanya, saya membalikkan tubuh Sonya dan minta nungging. Pantat Sonya yang besar saya jilat dari belakang lalu belahan pantatnya saya buka. Anusnya terlihat menggairahkan dan menantang. Kembali saya jilat anus Sonya. Tak henti-hentinya Sonya berseru dengan nikmat menikmati lidah saya di anusnya.

“Aduh, masukan Arthur, entotin saya sekarang” pinta Sonya.

Tanpa diminta kedua kalinya, saya mengarahkan kontolku ke vagina Sonya. Sonya langsung melenguh dengan kencang tiap kali kontol saya dibenamkan ke vaginanya. Tangan Sonya mencengkeram tepi Jacuzzi sementara tangan saya meremas pantat Sonya dengan gemas.

Air hangat dari Jacuzzi membuat tubuh kami berdua berkeringat. Tampaknya Sonya tipe wanita yang vaginanya banyak mengeluarkan cairan karena terdengar clipak-clipuk setiap kali kontol saya keluar-masuk vaginanya. Beberapa menit kemudian saya merasakan akan ejakulasi

“Mau keluar nih” seru saya.

Sonya langsung membalikkan badannya dan meraih kontolku kemudian menghisapnya. Peju saya muncrat dengan deras di mulut Sonya. Sonya sempat sedikit gelagapan karena tak sangka peju saya akan sedemikian banyak tetapi ia terus menghisap dan menelan semua peju. Setelah bersih, kami duduk berpelukan di Jacuzzi sambil ciuman.

Jam 5 sore, saya mengajak Sonya untuk berenang. Sonya mengenakan pakaian renang model bikini berwarna biru cerah. Di kolam renang, beberapa tamu pria melirik ke Sonya dan memperhatikan bikini Sonya yang kelihatannya kekecilan dibandingkan dengan ukuran payudaranya. Tetapi si Sonya kelihatannya cuek saja melihat para tamu pria tersebut dan ia langsung nyemplung ke kolam. Saya juga ikut nyemplung.

20 menit kemudian setelah selesai berenang, kami keluar dari kolam dan duduk dipinggir kolam sambil menikmati juice. Tiba-tiba ada yang memanggil Sonya.

“Woi, Sonya!”

Sonya menengok dan tertawa.

“Eh, ngapain loe disini?” tanya Sonya.
“Lagi temenin keponakan berenang” kata si perempuan.
“Eh iya, kenalin ini temen saya” kata Sonya.
“Halo, saya Arthur”
“Saya Dian” kata Dian.

Dian wajahnya sangat mirip dengan artis Titi Kamal. Rambutnya panjang, tingginya 165, tubuhnya langsing dan dibalik kaos putihnya yang ketat terlihat payudaranya yang lumayan besar. Rupanya Dian adalah teman kost Sonya.

“Lagi nginap disini?” tanya Dian.
“Iya, mumpung lagi long weekend” jawab Sonya.

Saya membiarkan kedua perempuan itu ngobrol dan saya melanjutkan berenang. Sambil berenang, saya melihat si Dian masih ngobrol dengan Sonya tapi matanya terus tertuju pada saya. Saya pikir boleh juga nih Dian di prospek. Tak lama kemudian, Sonya kembali berenang sedangkan Dian sudah pergi.

Selesai berenang, kami kembali ke kamar lalu mandi. Di kamar mandi kembali kami bersetubuh. Selesai mandi, kami turun ke restaurant untuk makan malam.

“Si Dian nanyain kamu tuh” kata Sonya.
“Nanyain apa?” tanya saya.
“Dia bilang body elo OK banget” kata Sonya.
“Hehehe, body Dian juga OK” kata saya.

Sonya bercerita tentang Dian. Ternyata Dian adalah seorang penari striptis di Klub 1001 di kawasan Gajah Mada. Saya tidak tahu apakah di Klub 1001 ia dikenal sebagai Dian atau ia punya nama samaran lainnya.

“Wah boleh nih minta dia nari” kata saya.
“Mau nih? Dia mau loh kalau diajak gabung” kata Sonya.
“Oya? Boleh aja. Kapan? Malam ini?” jawab saya dengan penuh minat
“Malam ini dia kerja. Besok siang kalau mau”
“Boleh. Telepon aja minta gabung dengan kita besok siang”

Sonya langsung menelepon Dian.

“Sip, besok jam 11 dia udah disini” kata Sonya

Selesai makan malam, kita jalan-jalan ke Bogor lalu ke Puncak. Jam 23:00 kita kembali ke hotel. Malam itu kita agak capek sehingga tidak ada gairah untuk bersetubuh walaupun demikian Sonya tidur tidak mengenakan apa-apa begitu juga dengan saya.

Hari Minggu pagi jam 8:00, kita bangun kemudian langsung mengenakan pakaian renang dan kembali berenang. Selesai berenang, kita mandi terlebih dahulu kemudian sarapan dan duduk-duduk di coffee shop sambil menunggu Dian. Jam 11 tepat si Dian sudah muncul. Ia mengenakan rok mini warna merah, kaos ketat tanpa lengan warna putih dan sepatu tennis warna putih. Beberapa tamu pria yang sedang duduk-duduk di coffee shop langsung memperhatikan Dian dengan muka horny.

Sonya melambaikan tangannya dan Dian langsung melihat ke arah kita. Kita bertiga masih ngobrol-ngobrol sebentar di coffee shop sampai akhirnya Sonya mengajak balik ke kamar. Sambil berjalan melewati tamu-tamu pria di coffee shop, saya dengan iseng melingkarkan tanganku ke pundak Sonya dan Dian. Sudah persis seperti raja Arab dengan selir-selirnya.

Setiba di kamar, saya langsung duduk di tempat tidur sedangkan Sonya rebahan ditempat tidur sambil mengganti channel TV.

“Dian jago nari kan? Sekarang saya minta Dian striptis dulu didepan kita” kata saya.
“Ah, masa disuruh nari? Jangan dong” protes Dian.
“Harus mau dong” kata saya sambil mengambil remote control dari tangan Sonya lalu mengganti channel. Saya menemukan channel MTV yang sedang menyiarkan video klip lagu Heavy Metal. Pas untuk nari striptis!
“Nah, ini ada yang pas untuk nari. Ayo mulai” kata saya.

Dian tersenyum. Ia membuka sepatu dan kaos kakinya. Dian kemudian berdiri dihadapanku dan mulai meliukkan tubuhnya. Tangan kanannya ia angkat ke rambut lalu rambutnya yang panjang digulung keatas kepala, sementara tangan kirinya meremas-remas payudaranya

. Setelah meremas payudara, tangan kirinya turun ke pahanya lalu rok mininya diangkat sehingga terlihat celana dalam g-string warna hitam berenda. Jari jemarinya mengusap-usap vaginanya dari balik celana dalam. Dian memejamkan matanya sambil menggigit bibir bawahnya. Wajahnya sungguh erotis!

Dian terus meliukkan tubuhnya mengikuti irama lagu heavy metal. Sekali-sekali roknya ia angkat tinggi mempertontonkan kakinya yang putih dan panjang. Kemudian ia mulai melepaskan kaosnya. BHnya yang berwarna hitam berenda turut ia lepas juga. Payudaranya yang besar saya taksir berukuran 36C.

Sambil menonton, Sonya beringsut kebelakang saya dan mulai membuka kaos saya. Kemudian Sonya jongkok didepanku dan membuka celana pendekku. Saya duduk ditepi tempat tidur dengan hanya mengenakan celana dalam. Sedangkan Sonya sendiri sudah telanjang bulat. Entah kapan ia membuka bajunya.

Dian membuka risleting rok mininya dan langsung rok mininya merosot melewati sela kakinya. Saya rasa g-string yang dikenakan Dian adalah g-string tertipis yang pernah saya lihat. Kain yang menutupi daerah vaginanya saya rasa hanya berukuran 10 x 10 cm, selebihnya semuanya hanya tali nilon yang melilit dipinggang dan turun ke belahan pantatnya. She is really a professional stripper!

Berkali-kali saya menelan ludah melihat tubuh Dian yang sensual. Dibandingkan Sonya, Dian masih jauh lebih sensual dan erotis. Pokoknya kalau mau membayangkan Dian, silakan lihat Titi Kamal. Dian menghampiri saya kemudian memutar tubuhnya sehingga ia membelakangi saya.

Pantatnya dengan gaya memutar-mutar ia naik turunkan didepan muka saya, kemudian Dian duduk dipangkuan saya. Pantatnya tak henti-hentinya ia putar diatas kontolku seakan-akan sedang bersetubuh. Kontolku terasa seperti mau meledak mendapat perlakuan seperti itu. Ingin rasanya langsung saya setubuhi.

Dian lalu berdiri dan meminta Sonya membuka celana dalam saya. Setelah celana dalam saya dibuka Sonya, Dian mendorong dada saya lalu saya merebahkan diri ke kasur. Dian jongkok dihadapanku. Ia menjilat dengkul kanan lalu naik ke paha hingga pangkal paha, turun ke selangkangan dan menjilat bijiku. Sonya turut merangsang saya dengan cara menghisap puting saya. Setelah puas Dian menjilat bijiku, Dian menjilat kepala kontolku dan mulai menghisapnya.

“Oh yes, enak sekali Dian, hisap terus yang keras” ujar saya keenakan.

Entah kenapa saya rasanya ingin cepat ejakulasi saat sedang dihisap Dian, tetapi saya langsung menahan diri agar tidak keluar. Dian lalu berdiri dan kembali menjilat perut, ke dada lalu mencium bibirku. Kita saling berpagutan selama beberapa menit. Saya merasakan kontol saya dihisap oleh Sonya.

Dian lalu membalikkan tubuhnya dan kita berada dalam posisi 69. Celana dalam g-string super mini itu langsung saya tarik kebawah dan vaginanya saya jilat dengan penuh nafsu. Dian sendiri kembali menghisap kontolku. Tak henti-hentinya saya dan Dian mengeluarkan suara mendesis menikmati hisapan dan jilatan. Sonya rupanya tidak mau kalah, ia jongkok didepanku dan ia menjilat bijiku.

Kembali saya merasakan mau ejakulasi tapi langsung saya tahan. Saya membalikkan tubuh Dian dan tanpa nunggu diperintah, langsung saya hujamkan kontolku ke vaginanya dalam posisi doggy style. Dian mengerang dengan penuh nikmat. Payudaranya yang besar tampak menggelantung dan dengan gemas saya meremas-remas payudara Dian. Kembali Sonya mengambil posisi untuk membuat saya bertambah nikmat.

Ia duduk dibelakang saya sambil memegang sebotol baby oil. Tangannya ia lumasi dengan baby oil lalu ia menyelinapkan tangannya diantara selangkanganku. Dengan sedikit heran saya melihat Sonya dan bertanya dalam hati. Tanpa ditanya, Sonya mulai memainkan biji saya. Tangannya naik turun mulai dari belahan pantat turun ke biji lalu diremas kemudian diulang terus berkali-kali. Apabila saudara sedang three-some, cobalah minta si partner wanita untuk melakukan itu bagi anda. Nikmat sekali!

Dian bagaikan kuda liar. Dengan penuh semangat, ia mengikuti gerakan tubuhku dan kadang kala ia sendiri yang menghentakan pinggulnya ke pinggulku. 10 menit menggenjot Dian membuat saya berkeringat. Saya berhenti sejenak. Saya keluarkan kontolku dari vaginanya. Dian merebahkan tubuhku dan ia langsung naik ke atas pinggulku dan memasukkan kontolku ke vaginanya.

Tanpa mengenal lelah, Dian terus menerus menggenjot kontolku dalam vaginanya. Sonya lalu jongkok diperutku kemudian mencondongkan dadanya ke mulutku sehingga ia berada dalam posisi bersimpuh diatas perutku sedangkan Dian masih asyik mengocok kontolku. Saya langsung menerkam payudara Sonya dan menghisap putingnya. Saya meraih tangan Dian dan mengarahkannya ke payudara Sonya, tetapi Dian dengan halus menarik kembali tangannya dari payudara Sonya.

“Saya dan Dian bukan Bi-seks” bisik Sonya.

5 menit berlalu dan akhirnya saya ejakulasi. Saya muntahkan seluruh pejuku di vagina Dian. Dian berkali-kali berteriak “yes, yes”. Tubuhnya mengejang dan matanya terpejam. Ada sekitar 1 menit Dian dalam posisi jongkok di pinggulku dan matanya masih terpejam. Kelihatannya ia masih menikmati sisa-sisa birahi yang baru ia rasakan. Setelah itu ia membuka matanya, ia tersenyum melihat Sonya yang sudah berbaring disamping saya.

“Gila, enak banget. Sonya ternyata tidak berlebihan waktu kemarin sore di pinggir kolam dia cerita ngentot sama kamu rasanya puas banget” kata Dian setengah mendesah.

Dian turun dari pinggulku lalu berbaring disebelah kiriku. Kita bertiga beristirahat dan kemudian kembali bersetubuh. Sonya kembali saya setubuhi disaksikan oleh Dian sambil ia menikmati kue coklat. Sorenya setelah kita bertiga berenang, saya menyetubuhi Dian di kamar mandi. Lalu jam 8 malam setelah makan malam, kita bertiga berinisiatif melakukan sesuatu yang lebih menantang.

Saya menyetubuhi Dian didekat tempat volley yang ditutupi oleh pohon yang rimbun. Sonya sendiri mendapat giliran jaga pertama. Setelah puas menggenjot Dian, Dian mendapat tugas jaga sementara saya menyetubuhi Sonya. Bersetubuh seperti ini sangat asyik karena dilakukan dengan penuh waspada jangan sampai tertangkap.

Hari Senin pagi kami bertiga check out dan kembali ke Jakarta. Sonya pulang naik mobil Dian sedangkan saya langsung pergi ke suatu acara reuni teman-teman dari SMA

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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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