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.

Tante Susan

Suatu pagi, Tante Susan Mey menghampiri kamar ku……,
“Rio, kamu masih ada kuliah hari ini?”, tanya Tante Susan.
“Enggak tante…”
“Kalau begitu bisa anterin tante ke aerobik?”
“Oh, bisa tante…”

Tante Susan tampak seksi dengan pakaian aerobiknya, lekuk-lekuk tubuhnya terlihat dengan jelas. Kamipun meluncur menuju tempat aerobik dengan menggunakan mobil Kijang Putih milik Tante Susan. Di sepanjang jalan Tante Susan banyak mengeluh tentang Om Edwin yang semakin jarang di rumah.

“Om Edwin itu egois dan gila kerja, padahal gajinya sudah lebih dari cukup tapi terus saja menerima ditawari jadi pembicara dimana-mana…”
“Yach, sabar aja tante.. itu semua khan demi tante juga,” kataku mencoba menghibur.
“Ah..Rio, kalau orang sudah berumah tangga, kebutuhan itu bukan cuma materi, tapi juga yang lain. Dan itu yang sangat kurang tante dapatkan dari Om.”

Tiba-tiba tangan Tante Susan menyentuh paha kiriku dengan lembut, “Biarpun begini, tante juga seorang wanita yang butuh belaian seorang laki-laki… tante masih butuh itu dan sayangnya Om kurang peduli.”

Aku menoleh sejenak dan kulihat Tante Susan menatapku dengan tersenyum. Tante Susan terus mengelus-elus pahaku di sepanjang perjalanan. Aku tidak berani bereaksi apa-apa kecuali, takut membuat Tante Susan tersinggung atau disangka kurang ajar.

Keluar dari kelas aerobik sekitar jam 4 sore, Tante Susan tampak segar dan bersemangat. Tubuhnya yang lembab karena keringat membuatnya tampak lebih seksi.

“Rio, waktu latihan tadi tadi punggung tante agak terkilir… kamu bisa tolong pijitin tante khan?” katanya sambil menutup pintu mobil.
“Iya… sedikit-sedikit bisa tante,” kataku sambil mengangguk.

Aku mulai merasa Tante Susan menginginkan yang lebih jauh dari sekadar teman ngobrol dan curhat. Terus terang ini suatu pengalaman baru bagiku dan aku tidak tahu bagaimana harus menyikapinya. Sepanjang jalan pulang kami tidak banyak bicara, kami sibuk dengan pikiran dan khayalan masing-masing tentang apa yang mungkin terjadi nanti.

Setelah sampai di rumah, Tante Susan langsung mengajakku ke kamarnya. Dikuncinya pintu kamar dan kemudian Tante Susan langsung mandi. Entah sengaja atau tidak, pintu kamar mandinya dibiarkan sedikit terbuka. Jelas Tante Susan sudah memberiku lampu kuning untuk melakukan apapun yang diinginkan seorang laki-laki pada wanita. Tetapi aku masih tidak tahu harus berbuat apa, aku hanya terduduk diam di kursi meja rias.

“Rio sayang… tolong ambilkan handuk dong…” nada suara Tante Susan mulai manja.

Lalu kuambil handuk dari gantungan dan tanganku kusodorkan melalui pintu sambil berusaha untuk tidak melihat Tante Susan secara langsung. Sebenarnya ini tindakan bodoh, toh Tante Susan sendiri sudah memberi tanda lalu kenapa aku masih malu-malu? Aku betul-betul salah tingkah.

Tidak berapa lama kemudian Tante Susan keluar dari kamar mandi dengan tubuh dililit handuk dari dada sampai paha. Baru kali ini aku melihat Tante Susan dalam keadaan seperti ini, aku mulai terangsang dan sedikit bengong. Tante Susan hanya tersenyum melihat tingkah lakuku yang serba kikuk melihat keadaannya.

“Nah, sekarang kamu pijitin tante ya… ini pakai body-lotion…” katanya sambil berbaring tengkurap di tempat tidur. Dibukanya lilitan handuknya sehingga hanya tertinggal BH dan CD-nya saja. Aku mulai menuangkan body-lotion ke punggung Tante Susan dan mulai memijit daerah punggungnya.

“Tante, bagian mana yang sakit…” tanyaku berlagak polos.
“Semuanya sayang… semuanya… dari atas sampai ke bawah. Bagian depan juga sakit lho…nanti Rio pijit ya…” kata Tante Susan sambil tersenyum nakal.

Aku terus memijit punggung Tante Susan, sementara itu aku merasakan kontolku mulai membesar. Aku berpikir sekarang saatnya menanggapi ajakan Tante Susan dengan aktif. Saat inilah aku berkesempatan menyetubuhi Tante Susan. Sudah ratusan referensi dari film-film BF yang pernah kutonton maka aku tahu apa yang harus kuperbuat… dan yang paling penting ikuti saja naluri…

“Tante sayang…, tali BH-nya boleh kubuka?” kataku sambil mengelus pundaknya. Tante Susan menatapku sambil tersenyum dan mengangguk. Aku tahu betul Tante Susan sama sekali tidak sakit ataupun cedera, acara pijat ini cuma sarana untuk mengajakku bercinta. Setelah tali BH-nya kubuka perlahan-lahan kuarahkan kedua tanganku ke-arah payudaranya. Dengan hati-hati kuremas-remas payudaranya… ahh lembut dan empuk.

Tante Susan bereaksi, ia mulai terangsang dan pandangan matanya menatapku dengan sayu. Kualihkan tanganku ke bagian bawah, kuselipkan kedua tanganku ke dalam celana dalamnya sambil pelan-pelan kuremas kedua pantatnya selama beberapa saat.

Tante Susan dengan pasrah membiarkan aku mengeksplorasi tubuhnya. Kini tanganku mulai berani menjelajahi juga bagian depannya sambil mengusap-usap daerah sekitar memeknya dengan lembut. Jantungku brdebar kencang, inilah pertamakalinya aku menyentuh memek Tante Susan… Perlahan tapi pasti kupelorotkan celana dalam Tante Susan.

Sekarang tubuh Tante Susan tertelungkup di tempat tidur tanpa selembar benangpun… sungguh suatu pemandangan yang indah. Aku kagum sekaligus terangsang. Ingin rasanya segera menancapkan batang kemaluanku ke dalam memek memeknya. Aku memejamkan mata dan mencoba bernafas perlahan untuk mengontrol emosiku.

Seranganku berlanjut, kuselipkan tanganku diantara kedua pahanya dan kurasakan rambut kemaluannya yang cukup lebat. Jari tengahku mulai menjelajahi celah sempit dan basah yang ada di sana. Hangat sekali raanya. Kurasakan nafas Tante Susan mulai berat, tampaknya dia makin terangsang oleh perbuatanku.

“Mmhh… Rio… kamu nakal ya…” katanya.
“Tapi tante suka khan…?”
“Mmhh.. terusin Rio… terusin… tante suka sekali.”

Jariku terus bergerilya di belahan memeknya yang terasa lembut seperti sutra, dan akhirnya ujung jariku mulai menyentuh daging yang berbentuk bulat seperti kacang tapi kenyal seperti moci Cianjur. Itu klitoris Tante Susan.

Dengan gerakan memutar yang lembut kupermainkan klitorisnya dengan jariku dan diapun mulai menggelinjang keenakan. Kurasakan tubuhnya sedikit bergetar tidak teratur. Sementara itu aku juga sudah semakin terangsang, dengan agak terburu-buru pakaiankupun kubuka satu-persatu hingga tidak ada selembar benangpun menutup tubuhku, sama seperti Tante Susan.

Kukecup leher Tante Susan dan dengan perlahan kubalikkan tubuhnya. Sesaat kupandangi keindahan tubuhnya yang seksi. Payudaranya cukup berisi dan tampak kencang dengan putingnya yang berwarna kecoklatan memberi pesona keindahan tersendiri. Tubuhnya putih mulus dan nyaris tanpa lemak, sungguh-sungguh Tante Susan pandai merawat tubuhnya.

Diantara kedua pahanya tampak bulu-bulu kemaluan yang agak basah, entah karena baru mandi atau karena cairan lain. Sementara itu belahan memeknya samar-samar tampak di balik bulu-bulu tersebut. Aku tidak habis pikir bagaimana mungkin suaminya bisa sering meninggalkannya dan mengabaikan keindahan seperti ini.

“Tante seksi sekali…” kataku terus terang memujinya. Kelihatan wajahnya langsung memerah.
“Ah.. bisa aja kamu merayu tante… kamu juga seksi lho Rio… lihat tuh burungmu sudah siap tempur… ayo jangan bengong gitu… terusin pijat seluruh badan tante….,” kata Tante Susan sambil tersenyum memperhatikan kontolku yang sudah mengeras dan mendongak ke atas.

Aku mulai menjilati payudara Tante Susan sementara itu tangan kananku perlahan-lahan mempermainkan memek dan klitorisnya. Kujilati kedua bukit payudaranya dan sesekali kuhisap serta kuemut putingnya dengan lembut sambil kupermainkan dengan lidahku. Tante Susan tampak sangat menikmati permainan ini sementara tangannya meraba dan mempermainkan kontolku.

Aku ingin sekali menjilati memek Tante Susan seperti dalam adegan film BF yag pernah kutonton. Perlahan-lahan aku mengubah posisiku, sekarang aku berlutut di atas tempat tidur diantara kedua kaki Tante Susan. Dengan perlahan kubuka pahanya dan kulihat belahan memeknya tampak merah dan basah.

Dengan kedua ibu jariku kubuka bibir memeknya dan terlihatlah liang memek Tante Susan yang sudah menanti untuk dipuaskan, sementara itu klitorisnya tampak menyembul indah di bagian atas memeknya. Tanpa menunggu komando aku langsung mengarahkan mulutku ke arah memek Tante Susan.

Kujilati bibir memeknya dan kemudian kumasukkan lidahku ke liang memeknya yang terasa lembut dan basah. “Mmhhh.. aahhh” desahan nikmat keluar dari mulut Tante Susan saat lidahku menjilati klitorisnya. Sesekali klitorisnya kuemut dengan kedua bibirku sambil kupermainkan dengan lidah.

Aroma khas memek wanita dan kehangatannya membuatku makin bersemangat, sementara itu Tante Susan terus mendesah-desah keenakan. Sesekali jari tanganku ikut membantu masuk ke dalam memek memeknya.

“Aduuh.. Rioooo… enak sekali sayang… iya sayang… yang itu enak.. emmhh .. terus sayang… pelan-pelan sayang… iya… gitu sayang… terus.. aduuh.. aahh… mmhh..” katanya mencoba membimbingku sambil kedua tangannya terus menekan kepalaku ke selangkangannya.

Tidak berapa lama kemudian pinggul Tante Susan mulai berkedut-kedut, gerakannya terasa makin bertenaga, lalu pinggulnya maju-mundur dan berputar-putar tak terkendali. Sementara itu kedua tangannya semakin keras mencengkeram rambutku.

“Rio.. Tante mau keluaar… aah.. uuh..aahh…oooh…. adduuh… sayaaang… Rioooo…. terus jilat itu Rio… teruus… aduuuh… aduuuh…tante keluaaar…” bersamaan dengan itu kepalaku dijepit oleh kedua pahanya sementara lidah dan bibirku terus terbenam menikmati kehangatan klitoris dan memeknya yang tiba-tiba dibanjiri oleh cairan orgasmenya.

Beberapa saat tubuh Tante Susan meregang dalam kenikmatan dan akhirnya terkulai lemas sambil matanya terpejam. Tampak bibir memeknya yang merah merekah berdenyut-denyut dan basah penuh cairan.

“Rio.. enak banget…. sudah lama tante nggak ngerasain yang seperti ini…” katanya perlahan sambil membuka mata. Aku langsung merebahkan diri di samping Tante Susan, kubelai rambut Tante Susan lalu bibir kami beradu dalam percumbuan yang penuh nafsu.

Kedua lidah kami saling melilit, perlahan-lahan tanganku meraba dan mempermainkan pentil dan payudaranya. Tidak berapa lama kemudian tampaknya Tante Susan sudah mulai naik lagi. Nafasnya mulai memburu dan tangannya meraba-raba kontolku dan meremas-remas kedua buah bola pingpongku.

“Rio sayang… sekarang gantian tante yang bikin kamu puas ya…” katanya sambil mengarahkan kepalanya ke arah selangkanganku. Tidak berapa lama kemudian Tante Susan mulai menjilati kontolku, mulai dari arah pangkal kemudian perlahan-lahan sampai ke ujung. Dipermainkannya kepala kontolku dengan lidahnya. Wow.. nikmat sekali rasanya… tanpa sadar aku mulai melenguh-lenguh keenakan.

Kemudian seluruh kontolku dimasukkan ke dalam mulutnya. Tante Susan mengemut dan sekaligus mempermainkan batang kemaluanku dengan lidahnya. Kadang dihisapnya kontolku kuat-kuat sehingga tampak pipinya cekung.

Kurasakan permainan oral Tante Susan sungguh luar biasa, sementara dia mengulum kontolku dengan penuh nafsu seluruh tubuhku mulai bergetar menahan nikmat. Aku merasakan kontolku mengeras dan membesar lebih dari biasanya, aku ingin mengeluarkan seluruh isinya ke dalam memek Tante Susan. Aku sangat ingin merasakan nikmatnya memek Tante Susan….

“Tante… Rio pengen ngentotin memek tante… ” kataku sambil mencoba melepaskan kontolku dari mulutnya. Tante Susan mengangguk setuju, lalu ia membiarkan kontolku keluar dari mulutnya. “Terserah Rio sayang… keluarin aja semua isinya ke dalam memek tante… tante juga udah pengen banget ngerasain punya kamu di dalam sini….”

Perlahan kurebahkan Tante Susan disebelahku, Tante Susan langsung membuka kedua pahanya mempersilahkan kontolku masuk. Samar-samar kulihat belahan memeknya yang merah. Dengan perlahan kubuka belahan memeknya dan tampaklah memek memek Tante Susan yang begitu indah dan menggugah birahi dan membuat jantungku berdetak keras.

Aku takut kehilangan kontrol melihat pemandangan yang indah nan alami, aku berusaha keras mengatur nafasku supaya tidak terlarut dalam nafsu…. Perlahan-lahan kupermainkan klitorisnya dengan jempol sementara jari tengahku masuk ke memek memeknya. Tidak berapa lama kemudian Tante Susan mulai menggerak-gerakkan pinggulnya, “Rio sayang.. masukin punyamu sekarang, tante udah siap…”

Kuarahkan kontolku yang sudah mengeras ke memek memeknya, aku sudah begitu bernafsu ingin segera menghujamkan batang kontolku ke dalam memek Tante Susan yang hangat. Tapi mungkin karena memek tante susan terlalu sempit karena jarang di entotin aku agak kesulitan untuk memasukkan kontolku. Rupanya Tante Susan menyadari kesulitanku. Dia memandangku dengan tersenyum…..

“Tenang aja… nggak usah buru-buru… tante bantu…” katanya sambil memegang kontolku. Diarahkannya kepala kontolku ke dalam memek memeknya sambil tangan yang lain membuka bibir memeknya, lalu dengan sedikit dorongan ke depan…masuklah kepala kontolku ke dalam memeknya. Rasanya hangat dan basah…. sensasinya sungguh luar biasa.

Akhirnya perlahan tapi pasti kubenamkan seluruh kontolku ke dalam memek Tante Susan, aah.. nikmatnya. “Aaahh…Rioooo.. eemh…” Tante Susan berbisik perlahan, dia juga merasakan kenikmatan yang sama. Sekalipun sudah 38 tahun memek Tante Susan masih terasa sempit, dinding-dindingnya terasa kuat mencengkeram kontolku.

Aku merasakan memeknya seperti meremas kontolku dengan gerakan yang berirama. Luar biasa nikmat rasanya…. Perlahan kugerakkan pinggulku turun naik, Tante Susan juga tidak mau kalah, pinggulnya bergerak turun naik mengimbangi gerakanku. Tangannya mencengkeram erat punggungku dan tanganku membelai rambutnya sambil meremas-remas payudaranya yang empuk. Sementara itu bibir kami berpagutan dengan liar….

Baru beberapa menit saja aku sudah mulai merasa seluruh tubuhku bergetar dijalari sensasi nikmat yang luar biasa…… kelihatannya tidak lama lagi aku akan mencapai puncak orgasme.

“Tante…Rio sudah hampir keluar…. aaah…uuh…” kataku berusaha keras menahan diri.
“Terusin aja Rio… kita barengan yaa…. tante juga udah mau keluar… aahh… Rio… tusuk yang kuat Rio… tusuk sampai ujung sayang… mmhh….”

Kata-kata Tante Susan membuatku makin bernafsu dan aku menghujamkan kontolku berkali-kali dengan kuat dan cepat ke dalam memeknya.

“Aduuh…Rio udah nggak tahan lagi…” aku benar-benar sudah tidak dapat mengendalikan diri lagi, pantatku bergerak turun naik makin cepat dan kontolku terasa membesar dan berdenyut-denyut bersiap mencapai puncak di dalam memek Tante Susan. Sementara itu Tante Susan juga hampir mencapai orgasmenya yang kedua.

“Ayoo Rio… tante juga mau…ahhhh…ahhh kamu ganas sekali……. aaaahhh…. Riooooo…. sekarang Rio…. keluarin sekarang Rio… tante udah nggak tahan…mmmhhh”. Tante Susan juga mulai kehilangan kontrol, kedua kakinya dijepitkan melingkari pinggulku dan tangannya mencengkeram keras punggungku.

Dan kemudian aku melancarkan sebuah tusukan akhir yang maha dahsyat…
“Tante…aaaa…aaaagh….Rio keluaaaar…..aagh..” aku mendesah sambil memuncratkan seluruh spermaku ke dalam liang kenikmatan Tante Susan. Bersamaan dengan itu Tante Susanpun mengalami puncak orgasmenya, “Rioooo…. aduuuh……tante jugaa….aaaah… I’m cumming honey… aaaahh…..aah….”

Kami berpelukan lama sekali sementara kontolku masih tertanam dengan kuat di dalam memek Tante Susan. Ini sungguh pengalaman pertamaku yang luar biasa…. aku betul-betul ingin meresapi sisa-sisa kenikmatan persetubuhan yang indah ini. Akhirnya aku mulai merasakan kelelahan yang luar biasa, seluruh persendianku terasa lepas dari tempatnya.

Kulepaskan pelukanku dan perlahan-lahan kutarik kontolku yang mulai sedikit melemah karena kehabisan energi. Lalu aku terbaring lemas di sebelah Tante Susan yang juga tergolek lemas dengan mata masih terpejam dan bibir bawahnya sedikit digigit. Kulihat dari celah memeknya cairan spermaku meleleh melewati sela-sela pahanya. Rupanya cukup banyak juga spermaku muntah di dalam memek Tante Susan.

Tak lama kemudian Tante Susan membuka matanya dan tersenyum padaku, “Gimana sayang…enak?” katanya sambil menyeka sisa spermaku dengan handuk. Aku hanya mengangguk sambil mengecup bibirnya.

“Tante nggak nyangka kalau kamu ternyata pinter “making-love”. Soalnya waktu “fore-play” tadi nggak kelihatan, baru waktu mau masukin kontol tante tahu kalau kamu pengalaman. By the way, Tante senang sekali dientoti kamu. Tante betul-betul menikmati permainan ini. Kapan-kapan kalau ada kesempatan kita main lagi mau Rio…?”

Aku hanya diam tersenyum, betapa tololnya kalau aku jawab tidak. Tante Susan membaringkan kepalanya di dadaku, kami terdiam menikmati perasaan kami masing-masing selama beberapa saat. Tapi tidak sampai 5 menit, energiku mulai kembali.

Tubuh wanita matang yang bugil dan tergolek dipelukanku membuat aku kembali terangsang, perlahan-lahan kontolku mulai membesar. Tangan kananku kembali meraba payudara Tante Susan dan membelainya perlahan. Dia memandangku dan tersenyum, tangannya meraih kontolku yang sudah kembali membesar sempurna dan digenggamnya erat-erat.

“Sudah siap lagi sayang…? Sekarang tante mau di atas ya…?” katanya sambil mengangkangi aku. Dibimbingnya kontolku ke arah memek memeknya yang masih basah oleh spermaku. Kali ini dengan lancar kontolku langsung meluncur masuk ke dalam memek Tante Susan yang sudah sangat basah dan licin.

Kini Tante Susan duduk diatas badanku dengan kontolku terbenam dalam-dalam di memeknya. Tangannya mencengkeram lenganku dan kepalanya menengadah ke atas dengan mata terpejam menahan nikmat.

“Aahh…Rio… kontolmu sampai ke ujung… uuh…. mmhh… aahhh” katanya mendesah-desah. Gerakan Tante Susan perlahan tapi penuh energi, setiap dorongannya selalu dilakukan dengan penuh energi sehingga membuat kontolku terasa masuk begitu dalam di liang memeknya. Pantat Tante Susan terus bergerak naik turun dan berputar-putar, kadang-kadang diangkatnya cukup tinggi sehingga kontolku hampir terlepas lalu dibenamkan lagi dengan kuat.

Sementara itu aku menikmati goyangan payudaranya yang terombang-ambing naik-turun mengikuti irama gerakan binal Tante Susan. Kuremas-remas payudaranya dan kupermainkan pentilnya sehingga membuat Tante Susan makin bergairah.

Gerakan Tante Susan makin lama makin kuat dan dia betul-betul melupakan statusnya sebagai seorang istri pembicara yang terhormat. Saat itu dia menampilkan dirinya yang sesungguhnya dan apa adanya… seorang wanita yang sedang dalam puncak birahi dan haus akan kenikmatan. Akhirnya gerakan kami mulai makin liar dan tak terkontrol…

“Rio… tante sudah mau keluar lagi…. aaah… mmmhh.. uuuughhh…”
“Ayoo tante… Rio juga udah nggak tahan…”

Akhirnya dengan sebuah sentakan yang kuat Tante Susan menekan seluruh berat badannya ke bawah dan kontolku tertancap jauh ke dalam liang memeknya sambil memuncratkan seluruh muatan… Tangan Tante Susan mencengkeram keras dadaku, badannya melengkung kaku dan mulutnya terbuka dengan gigi yang terkatup rapat serta matanya terpejam menahan nikmat.

Setelah beberapa saat akhirnya Tante Susan merebahkan tubuhnya di atasku, kami berdua terkulai lemas kelelahan. Malam itu untuk pertama kalinya aku tidur di dalam kamar Tante Susan karena dia tidak mengijinkan aku kembali ke kamar. Kami tidur berdekapan tanpa sehelai busanapun. Pagi harinya kami kembali melakukan persetubuhan dengan liar… Tante Susan seolah-olah ingin memuaskan seluruh kerinduannya akan kenikmatan yang jarang didapat dari suaminya.

Semenjak saat itu kami sering sekali melakukannya dalam berbagai kesempatan. Kadang di kamarku, kadang di kamar Tante Susan, atau sesekali kami ganti suasana dengan menyewa kamar hotel di daerah Lembang untuk kencan short-time. Kalau aku sedang “horny” dan ada kesempatan, aku mendatangi Tante Susan dan mengelus pantatnya atau mencium lehernya.

Kalau OK Tante Susan pasti langsung menggandeng tanganku dan mengajakku masuk ke kamar. Sebaliknya kalau Tante Susan yang “horny”, dia tidak sungkan-sungkan datang ke kamarku dan langsung menciumi aku untuk mengajakku bercinta.

Semenjak merasakan nikmatnya kontolku, Tante Susan tidak lagi cemberut dan uring-uringan kalau Om Edwin pergi tugas mengajar ke luar kota. Malah kelihatannya Tante Susan justru mengharapkan Om Edwin sering-sering tugas di luar kota karena dengan demikian dia bisa bebas bersamaku. Dan akupun juga semakin betah tinggal di rumah Tante Susan.

Pernah suatu malam setelah Om Edwin berangkat keluar kota, Tante Susan masuk ke kamarku dengan mengenakan daster. Dipeluknya aku dari belakang dan tangannya langsung menggerayangi selangkanganku. Aku menyambut dengan mencumbu bibirnya dan membaringkannya di tempat tidur. Saat kuraba payudaranya ternyata Tante Susan sudah tidak memakai BH, dan ketika kuangkat dasternya ternyata dia juga tidak memakai celana dalam lagi.

Bibir memeknya tampak merah dan bulu-bulunya basah oleh lendir. Samar-samar kulihat sisa-sisa lelehan sperma dengan baunya yang khas masih tampak disana, rupanya Tante Susan baru saja bertempur dengan suaminya dan Tante Susan belum merasa puas.

Langsung saja kubuka celanaku dan kontol yang sudah mengeras langsung menyembul menantang minta dimasukkan ke dalam liang kenikmatan. Tante Susan menanggapi tantangan kontolku dengan mengangkangkan kakinya. Ia langsung membuka bibir memeknya dengan kedua tangannya sehingga tampaklah belahan memek memeknya yang merekah merah. “Masukin punyamu sekarang ke memek tante sayang…..” katanya dengan nafas yang berat dan mata sayu.

Karena aku rasa Tante Susan sudah sangat “horny”, tanpa banyak basa-basi dan “foreplay” lagi aku langsung menancapkan batang kontolku ke dalam memek Tante Susan dan kami bergumul dengan liar selama hampir 5 jam!

Kami bersetubuh dengan berbagai macam gaya, aku diatas, Tante Susan diatas, doggy-style, gaya 69, kadang sambil berdiri dengan satu kaki di atas tempat tidur, lalu duduk berhadapan di pinggir ranjang, atau berganti posisi dengan Tante Susan membelakangi aku, sesekali kami melakukan di atas meja belajarku dengan kedua kaki Tante Susan diangkat dan dibuka lebar-lebar, dan masih banyak lagi.

Aku tidak ingat apa masih ada gaya persetubuhan yang belum kami lakukan malam itu. Dinginnya hawa Dago Utara di waktu malam tidak lagi kami rasakan, yang ada hanya kehangatan yang menggetarkan dua insan dan membuat kami basah oleh keringat yang mengucur deras.

Begitu liarnya persetubuhan kami sampai-sampai aku mengalami empat kali orgasme yang begitu menguras energi dan Tante Susan entah berapa kali. Yang jelas setelah selesai, Tante Susan hampir tidak bisa bangun dari tempat tidurku karena kakinya lemas dan gemetaran sementara memeknya begitu basah oleh lendir dan sangat merah. Seingatku itulah malam paling liar diantara malam-malam liar lain yang pernah kulalui bersama Tante Susan.

Petualanganku dengan Tante Susan berjalan cukup lama, 2 tahun, sampai akhirnya kami merasa Om Edwin mulai curiga dengan perselingkuhan kami. Sebagai jalan terbaik aku memutuskan untuk pindah kos sebelum keadaan menjadi buruk. Tetapi meskipun demikian, kami masih tetap saling bertemu paling sedikit sebulan sekali untuk melepas rindu dan nafsu. Hal ini berjalan terus sampai aku lulus kuliah dan kembali ke Jakarta.

Bahkan sekarang kalau sedang mendapat tugas ke Bandung aku masih menyempatkan diri menemui Tante Susan yang nafsu dan gairahnya seolah tidak pernah berkurang oleh umurnya yang kini sudah mendekati kepala empat.

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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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