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.
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Fitnes center

Ditulis oleh Sabtu, 10 Juli 2021 Tambah Komentar Edit



Suatu hari cutiku di Bandung, aku menyempatkan diri untuk fitness, menjaga kondisi tubuhku. Aku kerja di Jakarta, di sebuah event organizer ternama. Hampir setiap dua hari sekali sehabis pulang kerja aku fitness di sebuah hotel, dengan peralatan fitness yang lengkap. Maklum, pekerjaanku membutuhkan vitalitas tinggi. Maka walaupun libur di Bandung, atau tepatnya pulang ke kampung halaman, aku tidak pernah melewatkan olahragaku yang satu ini. O ya, aku Aryo, biasa dipanggil Ary. Usiaku 30 tahun, dan belum menikah. Tentunya hal ini merupakan keuntunganku untuk bisa menikmati masa bujang lebih lama, having fun dan get a life.

Sebenarnya tujuan fitnessku semula iseng, ingin melihat wanita-wanita sexy berpakaian ketat (baju senam), tapi akhirnya terasa manfaatnya, otot perutku rata, bisep dan trisepku terbentuk, hingga membuatku percaya diri. Tapi tentunya kegiatanku ngeceng wanita berpakaian sexy tidak pernah kulewatkan. Sambil menyelam minum air.. he he hee.

Ok, akhirnya kupilih sebuah hotel di bilangan Asia Afrika. Aku membiasakan tidak langsung pulang ke rumahku. Satu hari cutiku, kumanfaatkan untuk menikmati Bandung sendirian, daripada dengan orang-orang rumah. Orang tuaku termasuk old fashion, yang penuh dengan aturan ketat, walaupun ku sadar hal itulah yang dapat membuatku hidup mandiri.

Hari itu masih sore sekitar pukul 16. 30. Setelah aku cek in dan beristirahat sebentar, kumanfaatkan fasilitas fitness gratisku. Aku mulai mengganti bajuku dengan celana pendek dan t-shirt tanpa lengan.

Ketika aku memasuki ruang fitness, aku melihat sekeliling, masih agak kosong. Hanya ada beberapa pria di beberapa alat. Hmm, this is not my lucky day, pikirku sambil berjalan menuju sepeda statis. Ku kayuh sepeda itu sekitar lima menit dan beralih ke beberapa alat lainnya.

Sepuluh menit menjelang pukul lima sore, satu, dua wanita masuk. Ok, this isn't my unlucky day after all. Aku makin semangat menarik beban. Diikuti beberapa wanita lainnya, yang tentunya berpakain senam, warna-warni, ada yang memakai celana panjang cutbray dan kaos ketat, short pants dan atasan model sport bra, menambah indahnya pemandangan tempat fitness tersebut. Beberapa di antara mereka ada yang duduk, ada yang ngobrol, cekikikan, dan mencoba beberapa alat. Oh, mungkin mereka mau ber-aerobic, pikirku.

Betul saja ketika seorang wanita berpakaian seperti mereka masuk dan menotak-ngatik tape compo, dan terdengarlah suara musik house dengan tempo cepat. Masing-masing mereka menyusun barisan dan mulai bergerak mengikuti instruktur. Gerakan demi gerakan mereka ikuti. Masih pemanasan.

Tiba-tiba seorang wanita masuk, sangat cantik dibanding mereka, tinggi 165 kira-kira, rambut panjang diikat buntut kuda, memakai pakaian senam bahan lycra mengkilat warna krem dengan model tank top dan g-string di pantatnya. Bongkahan pantatnya tertutup lycra ketat warna krem lebih muda, sehingga menyerupai warna kulit tangannya yang kuning langsat hingga kaki yang tertutup kaos kaki dan sepatu. Woow, sangat seksi. Tak sengaja kulihat bagian dadanya karena handuk yang menggantung di pundak ditaruhnya dikursi dekat dengan alat yang kupakai. Tonjolan putingnya terlihat jelas sekali, menghiasi tonjolan indah yang kira-kira 36 b ukurannya. Sedikit melirik ke arahku lalu akhirnya mencari barisan yang masih kosong dan mengikuti gerakan instruktur. Dadaku berdegup kencang pada saat dia melirik walaupun hanya sedetik.

Gerakan demi gerakan instruktur diikutinya, mulai dari gerakan pemanasan hingga gerakan cepat melompat-lompat sehingga bongkahan payudaranya bergerak turun naik. Batangku mulai membengkak seiring dengan lincahnya gerakan si dia. Mataku terus tertuju pada si dia. Posisiku kebetulan sekali membentuk 45 derajat dari samping kirinya agak ke belakang. Hmm betapa beruntungnya diriku. Hingga akhirnya dia melakukan gerakan pendinginan. Keringat membasahi bajunya, tercetak jelas di punggung dan dadanya, sehingga tonjolan puting itu terlihat jelas sekali, ketika dia memutar badan ke kiri dan ke kanan.

Hingga akhirnya aku dibuat malu. Ketika aku memperhatikan dia, dia pun memperhatikanku lewat pantulan kaca cermin yang berada di depannya ketika aku mengalihkan pandangang ke kaca. Dia tersenyum kepadaku lewat pantulan cermin. Entah berapa lama dia memandangku sebelum aku sadar dipandangi. Aku langsung memalingkan muka dan beranjak dari alat yang kupakai.

Aku segera berganti pakaian untuk berenang. Segera kuceburkan diri untuk mendinginkan otak. Dua atau tiga balikan kucoba berganti gaya hingga akhirnya balikan ke empat gaya punggung, kepalaku menabrak seseorang dan terjatuh menyelam ke air. Sama-sama kami berbalik dan setelah berbalik ku sadar yang ku tabrak adalah pantatnya si dia yang telah berganti pakaian renang, potongan high cut di pinggul dengan warna floral biru yang seksi. Kini tonjolan putingnya tersembunyi dibalik cup baju renangnya, membuatku sedikit kecewa.

"Eh, maaf Mbak, nggak kelihatan, habis gaya punggung sih" kataku meminta maaf.
"Nggak kok Mas, aku yang salah, nggak lihat jalur orang berenang", jawabnya sambil mengusap muka dan rambutnya ke belakang.
Si dia tersenyum kembali ke arahku, sambil lirikan matanya menyapu dari muka hingga bagian pusarku.

"Kenalan dong, aku Aryo, biasa dipanggil Ary", kataku sambil menyodorkan tangan.
Dijabatnya tanganku sambil berkata"Linda, lengkapnya Melinda", jawabnya.
Kami menepi ke bibir kolam, sambil mencelupkan diri se batas leher masing-masing. Kami duduk bersampingan.

"Baru disini Mas?", Linda mulai lagi membuka pembicaraan.
"Iya, tapi jangan panggil Mas, Ary aja cukup kok. Aku asli Bandung, tapi memang baru kesini. Aku kerja di Jakarta. Kamu Lin?", ku balik bertanya.
"Aku asli Bandung juga, kerja di bank B**, jadi CS. Deket sini kok, seberangan. Aku biasa aerobic dan renang disini, duahari sekali, yang ada jadwal aerobicnya saja".

Pembicaraan kami berkembang dari hal kerjaan mengarah ke hal-hal yang lebih pribadi. Linda baru putus dengan pacarnya, kira-kira dua minggu yang lalu. Keluarga pacarnya tidak setuju dengan Linda dan pacarnya dijodohkan dengan orang lain pilihan keluarganya. Agak sedih Linda bercerita hingga..

"Lin, balapan yuk ke seberang, gaya bebas", ajakku.
"Hayo, .. siapa takut?", jawabnya.
Kami berdua berlomba sampai sebrang. Aku sedikit curang dengan mendorong bahunya ke belakang sehingga Linda sedikit tertinggal. Pada saat aku duluan di seberang..

"Ari, kamu curang, kamu curang", rengeknya sambil memukul-mukul tanganku.
Aku tertawa-tawa dan bergerak mundur menjauhi Linda. Dia mengejarku, sampai akhirnya"Byurr, ."., aku terjatuh kebelakang. Kakiku menyenggol kakiknya hingga diapun terjatuh dan kami berdua tidak sengaja berpelukan. Dadanya yang empuk menyentuh dadaku, membuat batangku kembali membengkak. Ketika sama-sama berdiri, kami masih berpelukan walau agak renggang.

Kami saling pandang, kemudian Linda memelukku kembali. Kesempatan ini tidak ku sia-siakan dengan balas memeluknya. Udara Bandung yang dingin pada sore yang beranjak malam tersebut, menambah kuatnya pelukan kami. Batangku yang sedari tadi mengeras menyentuh perut bagian bawahnya Linda, atau tepatnya diatas kemaluan Linda sedikit. Pantat Linda bergerak mendorong, hingga batangku geli terjepit antara perut Linda dan perutku. Berulang-ulang Linda melakukan itu, sehingga darahku berdesir.
"Emhh."., Linda bergumam.
Sadar aku berada di tempat umum, walaupun kolam renang agak sepi, hanya ada tiga orang selain kami, membuatku agak sedikit melepaskan pelukan walau sayang untuk dilakukan.

"Lin, mending kita sauna yuk!", ajakku menetralkan suasana.
Linda terlihat agak kecewa dengan sikapku yang sengaja kulakukan.
"Oke!", jawabnya singkat.
Kami berdua mengambil handuk di kursi pinggir kolam, dan berjalan bersamaan, menuju ruang sauna yang tak jauh dari kolam renang. Terbayang apa yang dilakukan Linda saat di kolam, membuatku menerawang jauh menyusun rencana dengan Linda selanjutnya.
"Kosong."., kataku dalam hati melihat ruang sauna.
Kami berdua masuk, dan aku sengaja mengambil tempat duduk dekat pintu, sehingga orang lain tidak dapat melihat kami beruda lewat jendela kecil pintu sauna.
"Lin."., belum sempat aku bicara, Linda menciumku di bibir.

Bibir kami saling berpagut melakukan french kiss. Penetrasi lidah Linda di mulutku, menunjukkan dia sangat berpengalaman. Tangan Linda memegang dadaku, kemudian mengusap menyusuri perut hingga sampai pada batangku yang sudah berdiri dari tadi. Linda meremas batangku yang masih terbungkus celana renang, sementara kuremas dua gunung montok. Betapa kenyal dan kencang sekali payudaranya.

Temperatur ruang sauna menambah panasnya hawa disana. Kubalik Linda membelakangiku. Kuciumi tengkuknya, dan ku remas payudaranya".Emhh.. Ary.. ahh", Linda melenguh. Ku susupkan tanganku ke payudaranya, dari celah baju renangnya. Ku pilih putingnya, dan membuat Linda sedikit menjerit, dan menggelinjang. Untungnya ruangan sauna kedap suara.

"Ary, aku butuh kamu Ry, .. malam ini saja.. ahh."., Linda berbisik di telingaku, sambil masih kumainkan putingnya.
"Lanjutkan di kamarku yuk, ..!" ajakku.
Punggung Linda menjauhi badanku dan berbalik.
"Kamu cek in di sini..?", tanyanya dengan muka sedikit gembira.
"Bukannya kamu.".
"Ya sayang."., sambil akhirnya kutempatkan jari telunjukku di mulutnya.
Akhirnya kujelaskan alasanku.

Satu-satu kami keluar dari ruang sauna. Linda bergegas ke ruang ganti. Begitupun diriku. Setelah siap, Linda menenteng tasnya dan kami pun berjalan bersamaan. Kami berjalan sambil memeluk pinggang masing-masing, layaknya sepasang kekasih yang sudah lama pacaran. Stelah mengambil key card dari recepsionist, kami naik ke kamarku di 304.

Setelah masuk, pintu ditutup, dan langsung kami merebahkan diri di ranjang. Untung ku pilih tempat tidur sharing. Linda masih memakai baju seragam banknya, lengkap dengan blazer, sepatu hak tinggi dan stocking hitam menggoda. Seksi sekali!

Linda di bawah sementara aku diatasnya menciumi bibimnya. Sesekali kujilat leher dan telinganya. Linda meracau memanggil-manggil namaku. Kubuka blazernya. Dari blouse putih tipis yang masih menempel, terlihat jelas puting berwarna coklat menerawang. Hmm, sengaja tidak memakai bra pikirku. Kubuka kancingnya satu persatu. Kujilati dadanya. Lidahku menyapu dua bukit kembarnya yang mengencang. Rambutku diusapnya sambil dia melenguh dan memanggil namaku berkali-kali. Sesekali kugigit putingnya.

Roknya kusingkapkan, ternyata dibalik stocking hitamnya itu, Linda tidak memakai CD lagi. Ku jilat kemaluan Linda yang masih terhalang stocking. Noda basah di bibir vagina tercetak jelas di pantyhosenya. Linda semakin mecarau dan menggelinjang. Ku gigit sobek bagian yang menutupi vaginanya yang basah. Kujilati labia mayoranya. Perlahan kusapu bibir vagina merah merekah itu. Kucari klitorisnya dan kumainkan lidahku di sana.

Linda mengejang hebat, tanda orgasme pertamanya.
"Emhh Arryy.. ahh", Linda sedikit berteriak tertahan.
"Makasih sayang.. oh.. benar-benar nikmat..!".
"Pokoknya ganti stocking ku mahal nih", Linda merengek sambil cemberut.
"Oke, tapi puaskan dulu aku Lin, ."., jawabku sambil rebahan di ranjang.
Linda kemudian berbalik dan berada di atasku. Blouse terbuka yang masih menempel itu disingkirkannya. Hingga terpampanglah dua bukit menggantung di atasku. Vagina basah Linda terasa di perutku. Rok yang tersingkap dilepasnya lewat atas. Tinggal stocking yang masih menempel, sepatunya pun telah lepas.

Linda kembali menciumiku. Lidahnya menyapu dadaku dan putingku. Sesekali digigitnya, membuatku juga menggelinjang kegelian. Kemudian lidahnya menyapu perutku hingga sampai ke batang penisku yang tegak. Linda mengocoknya perlahan. Ujung lidahnya menari di lubang kencingku. Rasa hangat itu terasa manakala lidahnya menyapu seluruh permukaan penisku. Seluruh batang penisku terbenam di mulut Linda. Sambil dikocok, keluar masuk mulutnya Linda.
"Ohh..!" aku pun tak luput meracau.
Hampir terasa puncakku tercapai, ku dorong linda menjauhi penisku, aku bangun dan berlutut di belakang Linda.

"Masukkin Ry, fuck me please, Ohh.. arrghh.. Arryy!", Linda berteriak seiring dengan masuknya batang penisku sedikit-demi sedikit lewat celah stocking yang kugigit tadi.
"Bless."..Pantat Linda bergerak maju mundur, demikian juga pantatku, saling berlawanan.

"Oh.. ooh.. ahh.. ahh.. God, .. fuck me harder.. Aaahh.. Ary.. yes", begitulah kalinat tak beraturan meluncur dari mulut Linda, bersamaan dengan semakin capatnya gerakanku.
Ku remas-remas bongkahan pantat seksinya. Linda menjilati jari-jarinya sendiri.
"Mmhh.. Aaahh.. mmh."., desah Linda yang membuatku semakin bernafsu untuk menggenjot pantatku.

Kemudian kami berganti posisi. Aku berbaring dan Linda berada di atasku. Linda mengambil ancang-ancang untuk memasukkan penisku ke dalam vagina basahnya. Linda terlebih dahulu mengusap-usapkan penisku di bibir vaginanya. Aku makin kelojotan dengan perlakuan Linda. Centi demi centi penisku dilahap vagina Linda.
"Blessh."., lengkap sudah penisku dilahap vaginanya.
Linda bergerak turun naik beraturan. Payudaranya bergoyang turun naik pula. Pemandangan indah terebut tidak kulewatkan saat badanku bangun, dan wajahku menghampiri payudaranya. Kuremas dua gunung kembar yang begoyang mengikuti irama siempunya. Kujilati dan kusedot bergantian.
"Errgh.. erghh.. ahh."., Linda mendesah tanda menikmati genjotannya sendiri.
Kini kutarik tubuh Linda sehingga ikut berbaring di atas tubuhku. Ku mulai menggenjot pantatku dari bawah. Linda teridam dan menengadahkan kepalanya, dan sesaat kemudian Linda berteriak meracau.
"Arrgghh.. oohh.. aah.. enakkhh.. aahh.. nikmathh.. ooh."., serunya.
Kuyakin posisi seperti ini membuatnya merasakan sensasi yang tiada duanya.

5 menit dengan posisi seperti itu, Linda mengejang, dan berteriak panjang", AARRGHH.. Shit.. Uuuhh.. Ary.. aaihh."., tanda dia mencapai orgasme.
Terlepas penisku dari vaginanya tatkala Linda ambruk di sisiku. Linda ngos-ngosan kecapean. Kini giliranku untuk mendapatkan kepuasan dari Linda. Kubalik tubuh penuh keringat yang mengkilat terkena cahaya lampu. Sungguh seksi sekali dia saat itu. Kubuka kedua kakiknya, dan ku lucuti stocking hitam yang masih menempel di kakinya yang mulus. Terlihat indah kaki nan putih mulus dari pantat hingga betis. Kujilati lubang anus Linda, dan membuat dia sedikit mengangkat pantatnya keatas.

"Please.. Ary.. not now.. Give me a break.. Ohh."., ratapnya ketika mendapat perlakuanku.
Aku tak mempedulikan ratapannya. Justru aku semakin gila dengan perlakuanku, menjilati lubang anusnya dan membuat penetrasi di lubangnya dengan lidahku. Area perineumnya pun tak luput ku jilati. Hingga akhirnya kuputuskan untuk mensodomi Linda, karena kulihat lubang anus Linda agak sedikit besar dibanding orang yang belum pernah disodomi.
"Lin, siap ya."., kataku sambil mengusapkan ludahku di penis yang masih berdiri tegak.
"Apa.., mau apa Ry.. kamu ma.. AAHH, .. Aryy.. Janng.. aahh", belum selesai Linda bicara, aku telah menancapkan penisku di anusnya.. begitu hangat, sempit dan lembut.
Kutarik kembali perlahan dan kumasukkan lagi. Iramanya ku percapat. Linda pasrah, dan meracau tak karuan.
"Eh.. Ehh.. gimana, .. eh.. enak.. lin..?, tanyaku sambil menggenjot pantat Linda seksi nan aduhai.
"Ohh.. Arriieh.. aagh.. nikmat rii.. ah.. Shitt.. C'mon.. harder baby."., jawabnya.

10 menit aku memompa batang penisku di anusnya, terasa cairan sperma sudah ada di ujung kepala penisku. Buru-buru kutarik keluar penisku, dan kubalik Linda menghadapku. Sambil kukocok, spermaku muncrat di muka Linda. Linda yang tidak siap menerima spermaku di mukanya, mengelengkan kepala kiri dan kanan, hingga spermaku membasahi rambut dan pipinya. Hingga akhrinya mulutnya terbuka, dan sisa semprotan spermaku masuk di mulutnya. Setelah spermaku habis, dia mengulum penisku. Aku yang masih merasa geli namun nikmat, semakin menikmati sisa-sisa oragasme panjangku.
"God.. Thank you dear.. Linda."., kataku sesaat setelah roboh ke samping Linda.
"Curang lagi kamu Ry, .. Tau gitu ku minum semuanya.. kasi tau kek mau mucrat di muka, gitu", Linda cemberut menjawabnya.
Aku hanya tersenyum. Tak terasa kami bercinta cukup lama, hingga jam 10 malam.

Akhirnya Linda memutuskan untuk bermalam di kamarku. Kami masih melakukannya beberapa kali hingga subuh. Toh, hari itu akhir pekan dan Linda memang libur di hari Sabtu. Pertemuan pertama itulah pula yang membuat kami berpacaran selama 6 bulan hingga akhirnya kami putus. Masih banyak Linda yang lain. Bagi pembaca (wanita) yang ingin menjadi Linda denganku, email saja ke drinkmyjuice@hotmail.com Kutunggu curhatnya..

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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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