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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Mendadak Dangdut

Ditulis oleh Sabtu, 10 Juli 2021 Tambah Komentar Edit

 


JANGAN LEWATKAN !!
KAMPANYE CALON BUPATI,BAPAK RONI NOMOR URUT 3 !!
14 MEI 2013, DI LAPANGAN DESA KARANGANYAR. JAM 2 SIANG.
BINTANG TAMU : OM PANTURA
​

Kira kira begitulah isi sms yang disebar lewat server komputer oleh orang suruhan Ayahku. Sebelumnya kenalain dulu namaku Jhoni, biasa dipanggil Jhon.

Bulan lalu Ayahku adalah pejabat pemerintahan provinsi di daerah Semarang, tapi sekarang dia mengundurkan diri karena ingin ikut mencalonkan diri menjadi calon Bupati di daerah tempat asalku, masih di sekitaran Jawa Tengah. Usiaku yang menginjak 22 tahun sudah cukup mengerti, untuk sedikit banyak tau seluk beluk kehidupan politik di negeri ini. apalagi Ayahku sempat menjadi politikus di salah satu partai nasionalis, yang mengklaim mempunyai jiwa marhaenisme.

Sebenarnya aku tidak suka ikut berkecimpung di dunia kemunafikan ini, akan tetapi dalam posisi ini aku sebagai anak dari calon Bupati mau tidak mau ikut membantu Ayahku beserta tim suksesnya.
Tugasku sebenarnya tidak sulit, hanya ikut memantau tim sukses Ayahku bekerja sebagaimana mestinya. Seminggu sebelum kampanye terbuka dimulai, Ayahku menyerahkan jadwal kampanye bergilir kepadaku, 2 minggu dan 2 kali Ayahku mendapatkan jadwal untuk berorasi di depan simpatisannya. Untuk jadwal kampanye di serahkan kepada Aku dan Ibuku untuk mendesign acara sesuai keinginan kami. intinya, di setiap kampanye, kami harus bisa banyak mengumpulkan massa.

Masalah masalah underground, seperti black campaign, serangan fajar, atau start kampanye lebih dulu, itu urusan tim sukses Ayah, Aku tidak ikut campur dan tak mau ikut campur.

Ibuku memutuskan jadwal pertama kampanye Ayah untuk acara bakti sosial, lau untuk jadwal yang kedua, sebenarnya Aku ingin mengadakan acara band pop atau rock, tapi kebanyakan masyarakat di kota ini, masih kental dengan nuansa melayu, jadi kuputuskan untuk mengundang grup dangdut.

Setelah berembug dengan tim sukses Ayahku, jadilah untuk mengundang OM Pantura, yang saat itu lagi naik daun. Aku menyuruh orang untuk menghubungi manager OM Pantura, dan akhirnya setelah sepakat dengan harga, tanggal, dan tempat kita berjanji akan bertemu dan menandatangani kontrak.

Setelah semua kesepakatan terjadi, aku meminta kepada tim sukses Ayahku yang bertugas mengkampanyekan Ayahku di media massa, jejaring soial, untuk mengirim sms lewat server secara random ke seluruh masyarakat di kotaku. Intinya aku meminta untuk semua warga untuk datang ke lapangan, Desa Karanganyar, 14 Mei, jam 2 siang.

*****
​
Tiba saat hari H kampanye kedua Ayahku, jujur saja saat ini aku harap harap cemas, karena sebelumnya saat kampanye pertama yang di handle oleh Ibuku sekitar 2000 orang hadir, mengubah tempat acara kampanye berlangsung menjadi merah, dengan logo banteng di dalam lingkaran.

Sudah dari jam 10 pagi Aku berada di lapangan desa karanganyar, mengawasi keamanan serta perlengkapan untuk aksi kampanye nanti. Setelah makan siang sekitar pukul 1 siang, massa mulai berdatangan, padahal panggung pun masih kosong mlompong hanya suara musik dangdut yang di putar melalui dvd.

Beberapa rombongan mulai berdatangan membawa nama DPC masing masing, dengan membawa bendera dan kaos merah bergambarkan foto Ayah dan pasangannya, serta atribut atribut partai yang lain.
Jam 2 lewat, lapangan Desa Karanganyar yang bisa menampung sekitar 15ribu orang telah mulai memerah, penuh dan padat.
Tak berapa lama datang mobil rombongan Ayah dengan di kawal polisi serta rombongan OM Pantura.

Kami dari keluarga naik ke atas panggung, baik dari keluarga dari cabup maupun cawabup. di persilahkan duduk untuk mengikuti acara kampanye.
Acara pun di mulai dengan diawali doa, orasi dari jurkam, penyampaian visi misi dari Ayah, lalu doa penutup dan disusul hiburan oleh artis dari OM Pantura.
Saat artis mulai silih berganti membawa lagu lagu mereka. Pandanganku tersita pada satu sosok biduan manis, masih belia pikirku. Ingin rasanya berkenalan tapi tak mungkin dalam kondisi seperti ini untuk berjabat tangan dan mulai perkenalan.

Kupandangi lekat wajahnya, dia menoleh kearahku lalu melemparkan senyum manisnya, Aku membalasnya dengan tersenyum, lalu mengangkat tanganku, menempelkan ke arah telinga seperti orang menelfon, dia mengerti maksudku, dia membalas dengan bahasa bibir.
'nanti yaa' katanya, kalau Aku tak salah mengartikan.

Tiba saatnya sang biduan yang manis itu maju ke depan, mengambil mic lalu mulai menyanyi

ada brondong tua tebar-tebar pesona
sukanya daun muda, dia lupa usia
ada brondong tua, funky abis gayanya
sukanya hura-hura, happy aja maunya
brondong brondong tua, jelalatan cari mangsa
keluar masuk lubang buaya, jadi santapan wanita-wanita muda
brondong brondong tua, jelalatan cari mangsa
keluar masuk lubang buaya, jadi santapan wanita-wanita muda
ada brondong tua tebar-tebar pesona
sukanya daun muda, dia lupa usia
ada brondong tua, funky abis gayanya
sukanya hura-hura, happy aja maunya
brondong brondong tua, jelalatan cari mangsa
keluar masuk lubang buaya, jadi santapan wanita-wanita muda
brondong brondong tua, jelalatan cari mangsa
keluar masuk lubang buaya, jadi santapan wanita-wanita muda

​
sambil menyanyi dia melirik kearahku dan menunjukku, mengajakku untuk maju ikut bernyanyi. Lalu biduan tersebut menghampiri, dan menarikku untuk maju. Sambil di teriaki para personil OM Pantura yang lain, dengan malu malu aku bejalan ke depan, sedikit berjoget di depan ribuan simpatisan yang memadati lapangan tersebut, grogi dan malu bercampur jadi satu. terbersit keinginan untuk menghilangkan ke-kaku-anku dalam berjoget. Nyawer!! Ya, kuambil dompet yang ada di kantong belakangku, memang isinya tidak banyak hanya sisa sisa kembalian, pecahan 10ribu dan 5ribu yang mendominasi dompetku keluarkan semua uang yang ada di dalam dompetku.

Lembar demi lembar berpindah tangan ke tangan biduan tersebut,

"Namanya siapa mas?"

"Jhon mbak."

"Oke mas Jhooon, matur nuwun sawerannya maaaaaass Jhon,"sembari tersenyum genit khas biduan dandut koplo.

Aku hanya membalasnya dengan senyum,

"Sukses terus buat Bapak Roni dan pasangan semoga jadi Bupati yang selanjutnya," Doa sang biduan tersebut.

Lalu sebelum saweranku habis, Aku berbisik,

"Aku tunggu di belakang ya."

*****
​
Saweranku habis, aku mundur dari depan panggung gabung kembali dengan rombongan keluarga, tapi aku mengambil tempat duduk di pojok belakang dekat dengan rombongan tim sukses dan rombongan kru OM Pantura.

Setelah selesai menyanyi, biduan muda tersebut datang dan mengambil tempat duduk kursi di sampingku, sambil melempar senyum

"Boleh duduk disini?"tanyanya ramah.

"Silahkan."sambil menarik kursi di sebelahku untuk mendekat kursinya kepadaku.

"Reza"sambil mengulurkan tangan, mengajak berkenalan.

"Tadi pas di panggil buat nyanyi siapa namanya? Lucu deh kayanya," Aku menyambut tangannya,halus, putih, begitu pikiranku ketika pertam menyentuh tangannya.

"Oooh......, Reza Lawang Sewu, nama panggungku itu"

"Hahaha, ada ada aja deh, oh iya aku Jhony, panggil aja Jhon" sambil menyudahi acara jabat tangan yang lumayan lama.

Setelah berbasa basi sejenak, speak speak iblis pun meluncur manis dari bibir tipis tak berdosa ini, setelah bertukar nomer telfon kita janji kalo ada kesempatan kita akan ketemu lagi. Setelah beberapa lama rombongan cabup dan cawabup meninggalkan lokasi acara kampanye.

Dalam perjalanan pulang, ku sms Reza, belum dibales, 5 menit, 10 menit, 30 menit, 1 jam, sehingga Aku sudah tidak berharap balasan sms lagi darinya. Sampainya di rumah, kami sekeluarga masih disibukkan dengan jadwal acara, serta tim sukses dengan permintaanya, minta inilah minta itulah, ku tangkap semua maksud omongan mereka adalah meminta uang uang dan uang.

Kampanye seperti ini dijadikan ajang untuk membuncitkan perut tim sukses masing masing calon Bupati.

Lepas jam 10 malam suasana dalam rumah berangsur sepi, sudah tak tampak orang berlalu lalang di dalam rumah. Kulihat layar handphone ku,

Dari : Reza Biduan
Isi : maaf baru bales, ini baru sampe rumah, tadi lagi di jalan pulang sama yang lain.

Dan, yes, kubalas smsnya, akhirnya kami pun smsan sampe larut malam.
Tapi hanya malam itu kami berusaha mengenal satu sama lain, karena besok rutinitasku kembali seperti biasa, membantu tim sukses untuk kemenangan Ayah.

*****​

2 hari lagi waktu kampanye selesai, lalu hari tenang selama 5 hari sebelum hari H pemilihan.
H-1 Aku di sms Reza, sekedar basa basi dan menanyakan kabar, sekaligus Reza mendoakan agar besok Ayah yang memenangkan pemilihan umum.
Hari H pun tiba, sejak pagi Aku sudah mandi dan berpakaian rapi menuju TPS lalu ke posko kemenangan Ayah, Aku berangkat sendiri ke posko sedang keluargaku berangkat menuju TPS agak siang, Aku malas bernagkat ke TPS siang hari karena malas mengantri.

Setelah sampai posko, iseng iseng Aku browsing internet, kubuka Youtube dan muncul option Reza Lawang Sewu, kubuka dan tampillah
[video=youtube;_SYyV-zYWRQ]http://www.youtube.com/watch?v=_SYyV-zYWRQ[/video]


Ku cari kontak lalu ku telfon,
Tuut... tuut... tuut..

"Halooooo," terdengar suara di seberang sana

"Halo, Rezaa ?"

"Iyaaa, ada apa kak?"

"Lagi dimana?"

"Ini lagi mau jalan jalan ke mall, sama temen sekolah"

"Oh yaudah yaudah, smsan aja"

"Ada apa si kak?"

"Aku kangen," gombalku.

"Yaudah toh kesini wae" ajak Reza.

"Mall mana toh?"

"Mall baru yang di jalan pemuda, Aku mau nonton kok"

"Oalaaah, yowis nanti kalo sempet Aku tak kesana"

"Yaudah ditunggu yaaa. Hehe. Daaaaaah"

"Daaaaahh"

Sempat bingung dengan ajakan Reza, antara datang untuk menemui Reza atau berjaga di posko, siapa tau, sewaktu waktu waktu di butuhkan oleh keluarga, karena hari ini adalah hari yang penting bagiku sekeluarga. Menentukan nasib kami 5 taun kedepan, walaupun Ayah sudah punya usaha furniture, tapi sayang juga kalo dana, tenaga, dan pikiran yang dikorbankan untuk pemilihan ini terbuang sia sia.

Ku sms Ibu

Ke : Ibu
Isi : Mah, lagi dimana mah? Aku mau jalan ke pantai sama anak anak, mau ngilangin stres mah. Boleh ga?

Lama tak di bales, 'kutelfon saja lah' pikirku. Sewaktu mencari kontak Ibu, handphoneku bergetar, ada sms

Dari : Ibu
Isi : Yowis ati ati, ga usah aneh aneh yaaa

Haha, lega rasanya. Kuambil kontak yaris merah pemberian Ayahku, langsung ku geber menuju Semarang, ke tempat Reza pergi bersama temannya.

*****​

Sekitar 50 menit kemudian Aku sampai di kawasan jalan Pemuda Semarang, ku sms Reza

Ke : Reza Biduan
Isi : dimana ? Aku udah di parkiran mall ni

Dari : Reza Biduan
Isi : ke lantai 3 kak, Aku di XXI, lagi antri tiket sama temenku.

Setelah kuparkirkan mobilku, langsung Aku turun ke lantai 3, kusapukan pandanganku ke seluruh ruangan, 'oh disana' kumelihat ada sepasang remaja sedang bercanda sambil mengudap popcorn.

"Halo," sapaku kepada 2 wanita belia.

"Iya kak, kenalin temen aku, Tya" sambil memperkenalkan temannya

"Iya, Jhony." kataku sambil mengulurkan tangan.

"Iya, Reza cerita banyak soal kakak, jarene ganteng," ceplos Tya

"Ih opo toh, ngawur, nggateli kowe wuk " sambar Reza sambil menyenggol pundak Tya

Wajah Reza langsung memerah, begitu juga denganku, entah kenapa Aku tak pernah se grogi ini sebelumnya berhadapan dengan wanita, apalagi wanita yang masih bau kencur, tak perlu diragukan lagi lah SSI ku.

"Eh udah pesan tiket?" tanyaku memecah ke-nervous-an kami.

"Udah kak, Aku beli 3, buat kakak 1"

"Oh berapa? Sini aku ganti sekalian."

"Ga usah, wong udah ke beli ini kak, santai wae toh kak"

'Ah ya sudahlah, nanti saja aku ganti' pikirku untuk mentraktir mereka makan.

"Yuk masuk ke theater dulu yu, pengen ngadem hehe" ajakku

Lalu kita bertiga pun masuk ke dalam theater, film pun dimulai, lampu sudah di padamkan, tapi jujur selama lampu di padamkan, dan film dimulai aku tidak melakukan aktifitas apapun selain memegang tangan Reza. Itupun dengan grogi setengah mati, untung saja AC di dalam theater cukup dingan sehingga Aku bisa beralasan jika ditanya macem macem oleh Reza. Tidak ada ciuman, grepe grepe, apalagi blowjob dan lain lain.

Jam setengah 3 film Iron Man 3 yang kutonton telah selesai dengan akhir yang menggantung, 'ending yang ga jelas' pikirku.

"Eh makan dulu yuk?" ajakku kepada mereka bertiga

"Ah aku wis ditelfon ibuku kak, kamu aja berdua, sekalian pedekate, ehem" seloroh Tya mengejek aku dan Reza.

"Lho ayo toh, makan bareng wae, masa mau langsung pulang kamu?" ajakku sedikit memaksa Tya.

"Ga bisa yaa, Aku tadi di sms ibu disuruh cepet pulang gitu, katane"

"Yaudah wis nduk, ati ati yaa" kata Reza sambil cipika cipiki dengan Tya.

"Aku balik dulu mas ya" pamit Tya kepadaku

"Ati ati lho yaaa, salam buat keluarga"

Sesaaat setelah Tya pergi, Aku mengajak Reza untuk mengisi perut, maklum seharian belum makan nasi, Cuma sepotong roti tadi pagi yang kubeli di dekat posko kampanye ayah.

"Mau makan dimana Za?"

"Langsung pulang aja deh kak, soalnya di rumah cuma ada Ibu, kasian kalo ditinggal sendiri kelamaan"

"Yaudah yuk langsung pulang, tak anterin ya?"aku menwarkan diri.

"Yaudah, ke Genuk kak ya, kan kamu sekalian nanti arah pulang, oke oke?"

"Siap nyonyaaaaa, jangankan ke genuk, ke pelaminan pun jadi. hehe"

"Apaan sih kak," sambil menundukkan wajah merahnya.

Sebenernya jarak yang di tempuh dari kawasan Pemuda menuju Genuk relatif dekat, karena waktu sudah sore, daerah Kota Lama yang kulewati tergenang rob, kendaraan macet berjejer menghindari air laut yang pasang. Untung ada si manis disampingku yang menenangkanku yang hampir frustasi dengan kemacetan ini.

Di mobil, kami saling bercanda di selingi saling cubit dan saling towel seperti sahabat yang sudah lama kenal, karena macet jadi kujalankan mobil pelan pelan, malah terkadang sampai berhenti total. Kupegang tangan kanannya, dia tak menolak, tapi suasana sesaat menjadi hening. Kuusapkan jari jariku di sela jari jarinya.

"Ih apaan sih kak, nakal lho tangannya," tolaknya halus.

Tak kujawab malah langsung kucium tangannya, dia tidak menariknya malah hanya tersenyum.

"Udah ah kak, tanganku kotor lho yaa,"

Sekali lagi tak kujawab penolakan yang kuanggap basa basi darinya. Kudekatkan mukAku ke wajahnya, di mendekat, merapat, dan cup bibir kami bertemu, saling mengecup ringan, dia memiringakan wajahnya,kuusap rambutnya, kupeluk dia, lidahnya masuk ke dalam bibirku, kuhisap, saling hisap.
TIIIN...... TIIIIINNNNNNN......... !!
Klakson dari mobil belakang menyadarkanku akan kemacetan yang sedikit terurai di depan.

"Kakak ih, jadi malu kan,"kata Reza setengah berteriak.

"Malu sama siapa? Kan ga kliatan, hehe"

"Yaudah yuk ah pulang dulu, udah sore kak," ajak Reza buru buru.

"Oke oke," Aku mengiyakan

Kulajukan mobil ku ke arah Genuk, ke rumah Reza. Sesampainya di depan gang rumah Reza, kuparkirkan mobilku di tepi jalan, lalu Aku menyusuri gang ke dalam menuju rumahnya
Sesampainya dirumah Reza, rumahnya sudah sepi, tak kulihat Ibunya, kutanyakan pada Reza kemana ibunya, dia menjawab kalau Ibunya lagi tidur di kamar lagi sakit, maka dari itu dia tidak tega meninggalkan Ibunya lama lama di luar.
Kami ngobrol beberapa saat, kulihat jam sudah menunjukkan pukul 4 lewat.

"Aku pulang dulu ya Za, udah sore."Aku berpamitan pada Reza.

"Nginep sini wae, emang ga capek bolak balik? Istirahat dulu wae semalem"

"Ga ah, Aku ga nginep, tak istirahat sebentar wae disini ya, ga papa toh?"

"Ya gapapa to yaa, santai wae mas ganteeeng" ucapnya menunduk ketika bilang 'ganteng'.

"Weh weh Aku di bribik iki, hahaha"

"Lho pancen ganteng toh, moso ayu? Kalo ayu kan buat cewek kak"

"Moso?" tanyaku sambil mendekatkan wajahku

"Iya," Reza juga memajukan wajahnya, kali ini dia mulai berani

Cup, kecupan, kecupan kecil, berganti lumatan, berubah jadi hisapan, lidah kami saling beradu di dalam bibir kami, Reza merangkul leherku, kupeluk dia, kuusap punggungnya. Reza menggilat-geliat kegelian saat aku melepas ciuman dan mulai menjilati lehernya, ia menjambak kepalaku,

Keringat yang membasahi tubuhnya dari tadi,ku jilat ku hisap, tak perduli itu kotor, Reza makin menggelinjang.

"Kaaaak! ... Ooooh..........!" Reza meracau sambil memejamkan mata.

"Hah.. h.. h... h.."

Aku meliriknya, dadanya yang busung tampak naik turun dengan cepat, wajahnya sudah mulai merona merah.

"Hah.. ha.. ha... h.. shhh shhh" Reza mulai mendesis saat aku memasukkan tanganku ke dalam kaos yang dipakainya, kuelus, kuremas .

"Copot yah" bujukku.

"Heemph... hh...," sambil mengangguk

Tanpa menunggu lama, kulucuti kaos dan bra hitam yang dikenakannya, disusul dengan jeans skinny yang telah lolos dari pergelangan kakinya. Hanya tinggal celana dalam warna krem yang menutupi bagian rahasianya.

Dengan leluasa kuremas payudaranya serta kujilati putingnya, payudaranya, bahakan semua aroma yang ditubuhnya, ciumanku turun sampai di luar garis celana dalamnya, ku cium, kupelorotkan sedikit demi sedikit celana dalamnya, sampai akhirnya terlepaslah celana dalam krem tersebut.

"Aaaah!! Aaaah!" Pinggul Reza mulai terangkat, wajahnya seperti menahan sesuatu ketika kuciumi belahan kemaluannya.

"Ooooh.........! Ooooh......! Ooooh......!"

Aku terus menjilati kemaluan Reza. Membuatnya terlarut dalam kenikmatan yang tiada tara. Tubuh Reza bergerak liar ke sana kemari. Tangannya menjambak rambutku Aku terus menjilat, kemaluan Reza sudah banjir dengan lendir.

"Ooooh......! Ooooh......! Ooooh......! Kak aku keluaaaaaarrrr" teriak Reza tertahan.

Tahu-tahu kedua pahanya sudah memeluk kepalaku erat-erat. Dibenamkannya wajahku ke selangkangannya sehingga aku sulit bernafas.

"Ooooh......! Ooooh......! Kaaaak!!!"

Tubuh Reza menggelinjang tidak karuan, menjambak kencang rambutku, dengan nafas yang tersengal tersengal, dia mulai menenangkan diri.

"Hmm?" Aku memajukan wajahku

"Apa? Aaaahhhh aku maluuu kaaaaakk" sambil mengelus pipiku.

"Malu kenapa?" aku menggigit payudaranya yang tergantung di depan wajahku.

"Ooooh........., Ooooh........., Kaaaaaaak"

"Bukain sayaaang" Aku membungkuk setengah berdiri

Dengan cekatan Reza melucuti celana jeans yang aku kenakan, begitu juga dengan boxer terakhir pengaman kejantananku. Akupun melepasakan kaos threesecond yang kukenakan, kulempar entah kemana.

Reza yang sudah duduk di sofa mulai mengonani kejantananku,

"Slurrp" masuklah kejantananku kemulutnya,di pegang pangkal batang kejantananku di kulumnya mulai dari lubang kencing lalu seluruh kejantananku.

"Ooooh......, terus Zaaaaa,"

"Heeeeeeeemph, iya begitu."

Mulai dari kepalanya hingga pangkalnya, perlahan hilang ditelan bibir Reza yang tipis manis. matanya tetap menatap mataku. Seolah berbicara 'enak Kak?'

Reza kembali mengulum batang penisku, dengan lebih ganas tentunya. Dia menghisap kuat batang penisku sambil terus dikulum, menggoyangkan kepalanya ke kanan dan kiri, menaik-turunkan kepalanya sangat cepat. Aku hanya bisa mengerang keenakan sekaligus berusaha bertahan sekuat tenaga untuk tidak menyemprotkan sperma

"Wis wis, sekarang kamu tiduran dulu" kataku sambil membaringkan tubuh Reza ke lantai yang di lapisi karpet.

Perlu sedikit usaha bagiku untuk mengepaskan kejantanannya tepat di kemaluan Reza yang sudah basah.

"Hheeeeghh" tahan Reza ketika kejantananku memasuki bibir kewanitaannya.

Aku tersenyum melihat mata Reza mulai merem melek, menikmati kejantananku yang keluar masuk.

"Ssssssh..... ssshhhhh....." Bibir Reza yang eksotis mulai mendesis erotis,

"Mmmmh..." desinya ketika aku menyodok-nyodok kemaluannya. Membuat Reza dibuai kenikmatan. Pinggulnya naik turun, menikmati rojokanku. Dadanya kembang-kempis menikmati keahlian tanganku dalam memanjakan puting wanita.

"Sssssh... ssssh.... Ooooh............"

"Ooooh............ Ooooh......... Ooooh........."

"Ummmmh...." Reza merasakan kejantananku yang membelah dinding kewanitaannya.

"Kaaaaaak....Ooooh............." Reza menceracau sambil menggigit pundakku,

"Ooooh......! Ooooh.........! Ooooh.........!" Reza menjerit penuh birahi, saat Aku menghujam kewanitaannya sampai mentok sampai dalam.

Aku terus memompa dan memompa, menindih tubuh Reza. dia melingkarakan pahanya ke pinggulku, kucium lehernya. .

"Kaaak..." Reza berbisik

"Kakak... Kakak... sssssh...." Reza mendesis pelan,

Gelombang birahi yang membuat sekujur ototnya tiba-tiba mengejang dan menegang tanpa bisa dikendalikan lagi.

"Ooooh............. Aku sudah hampir... oh... oh....Ooooh............." Reza menjerit, namun jeritannya tertahan oleh mulutku, kucium bibirnya, takut kalau sampai ibunya terbangun di kamar

"Mmmmmh... Ooooh...... Mmhhhh... Mmhhh!!!!!!"

Mulut Reza mengangga, seperti kehabisan udara. Otot-ototnya berkedut tak terkendali, dadanya membusung-busung hingga payudaranya berguncangan kesana kemari.

Dia telah meraih orgasme yang kedua, tubuh kami penuh peluh, Aku mencabut kemaluanku, membiarkan Reza beristirahat sebentar setelah mendapat kenikmatan yang pertama.

Ku duduk berselonjor di sampingnya, tiba tiba dia bangun dan langsung meninidih tubuhku, di pegangnya kejantanku di arahkan ke kemaluannya, dan

"Bleesss. . . Oooo.. Ooooh..." kejantananku ditelan habis oleh vaginannya.

"Spesial buat kamu kak, muaaaah" katanya, sambil mengecup bibirku.

Pinggul Reza mulai mengayun. Sepasang tangannya bertumpu pada dadaku.

"Mmmmh..." Reza menggigit bibirnya, berusaha mengejar kembali orgasmenya

Pinggul Reza berputar, kadang mengayun ke depan dan kebelakang. Matanya memejam, berusaha menikmati gerakannya. aku mengerang pelan, kemaluan Reza menyedot kejantananku ke dalam relung tubuhnya.

Aku menikmati lumatan kemaluan Reza, Pinggulnya naik turun, maju mundur. Reza memejam, merintih

"Reza.. Reza...," Aku menghisap leher Reza, membuat Reza semakin erat mendekap dan menjambakiku.

Udara didalam rumah yang pengap membuat tubuh kami yang saling menyatu menimbulkan suasana panas bergelora. Nafsu kami semakin liar, semakin brutal.

Kemaluan Reza begitu sempit, squirty! Aku benar-benar sudah tidak sanggup lagi menahannya.

"Reza! Aku udah hampir..."

"Uuh.. uhh.. tunggu sebentar Kaaaak!.. Aku bentar lagi.. umh"

"Aaaaaaaah! Rezaaaaaa!!!" Aku mencupang payudara Reza. Reza menggigit bibirnya, Aku mengejang dalam pelukan Reza.

"Aaaah! Aaaah! Aaaah!" Aku berteriak tertahan.

Disusul dengan erangannya "Heeeeghh! Aaaah !"

Kami berdua terkapar di ruang tamu tanpa benang sehelaipun di tubuh kami. kami berciuman sambil berpelukan. Untuk menanti senja yang datang lagi.


*****


Selamat kepada Bapak Roni yang terpilih menjadi Bupati periode 2013-2018

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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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