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.

Neng Main Sama Om




Sebelumnya perkenalkan diriku bernama Athi, karena aku keturunan Betawi aku suka dipanggil dengan nama Neng Athi. Aku saat ini ingin bercerita akan pengalamanku yang kejadiannya sudah sangat lama tapi hingga saat ini masih sering teringat dalam pikiran ku, mungkin sudah sekitar 4 tahun yang lalu aku mengalaminya.

Kejadian ini terjadi sekitar bulan maret 4 tahun lalu, saat itu setelah lama tidak bertemu ada seorang teman lama menelponku sambil menangis.

"hiks,, hiks,, Neng tolong Wiwi,,", terdengar suara isak tangisnya diline telponku.

Mendengar temanku menanggis aku jadi bingun dan menanyakan kenapa dia menangis dan minta tolong apa, "Iya wi,, ada apa? Kenapa kamu tiba-tiba menangis seperti ini", jawabku.

"hiks,, hiks,, Neng apa aku bisa minta tolong untuk pinjam uang, aku butuh uang saat ini neng pleasee,, hiks,, hiks,,??, tangis wiwi kepadaku.

"Pinjam uang?? buat apa si wi,," tanyaku kembali ke Wiwi.

"Aku perlu untuk membayar sesuatu Neng, tolong Wiii,, hiks,, hiks", dia menjawab menjelaskan detailnya kepadaku untuk keperluan apa hingga dia menangis seperti itu.

Namun akupun tidak terlalu ingin lebih tahu lebih jauh karena sepertinya Wiwi enggan menceritakan permasalahanya kepadaku saat ini.
 
"Memang kamu perlunya berapa wi", tanyaku kembali.

"2 juta,," Wiwi menjawab.

"Woooww", pekik ku dalam hatii,
 
"Maaf wi, aku juga lagi ngak punya duit wi kalau sebanyak itu", mendengar jawabanku itu meledaklah tangisan Wiwi sambil berkata,

"toolong neng cariin, Wiwi perlu banget", tangisnya kepadaku dengan nada memelas.
"haah,," aku sedikit menghela napas
"Ok wi,, kasih waktu 2 hari yaa, aku coba hubungin teman mungkin nanti dari sana aku dapat pinjaman untuk kamu," aku menjawab sekenanya untuk membuat wiwi berhenti menangis dan itulah penutup pembicaraan kami.

Setelah 2 hari wiwi kembali menelepon ku lg, "gimana neng sudah ada kabar ga?? perlu banget neng,".
"haah gilaa,,," gumamku, aku pikir setelah 2 hari wiwi ngak inget lagi atau dia sudah mendapat pinjaman yang lain ternyata dia inget banget.
 
Aku juga bingung sebenarnya karena aku memang sudah coba tanya teman tapi semua memberi jawaban yang sama, "ga adaa yg lg pegang uang,"

"Waduh wi sorry banget ya,, neng coba pinjam tapi ga adaa yg pegang duit wi", aku coba memberi alasan kepada wiwi dan meledaklah tangisnya

"Waduh pusing juga neh," aku jadi stress sendiri kalo gini bhatinku.

Akhirnya untuk coba mencairkan suasana aku menyeletuk sambil bercanda, "Wii,, kalau uang halal ngak adaa kalau uang haram mau ga, hahaha,, " bercanda ku kepada wiwi agar dia berhenti menangis.
Tapi aku salah menduga ternyat dengan antusias dan putus asa wiwi menjawab "Wiwi ngak peduli mau uang halal atau haram ngak jadi masalah tolong cariin neng karena dead line Nya 3 hari lg"
"Waduuh" gumamku bikin tambah pusing nih mulut kadang keceplosan.

"Oke tar Neng kabarin", janjiku kepada wiwi

Dengan nada girang wiwi menjawab, "wiwi tunggu ya neng and thanks ya sebelumnya".

Akhirnya selesai ditelpon oleh wiwi aku coba mengingat ingat siapa orang yang bisa aku hubungi. Tidak lama aku teringat sama seorang pria sebut saja om bal, aku kenal dia waktu lagi ada pameran produk dari perusahaan tempat aku kerja, om bal ini bekerja di sebuah BUMN dan kebetulan saat itu perusaahanku mengikuti pameran produk yang diselanggarakan oleh instansi tempat dia berkerja. 

Om bal ini sangat sering menelepon ku sejak perkenalan di pameran itu dan sering mengajak aku jalan tapi semua aku tolak dengan halus, entah kenapa sekarang cuma dia yang ada di pikiran ku.
 
Aku akhirnya coba memberanikan diri mengirimnya sms hanya untuk berbasa-basi. Karena siapa dia lagi berada dijakarta,

"hai apa kabar om bal", itulah isi dari sms yang aku kirimkan.

Cukup lama juga akhirnya dia membalas sms yang sudah aku kirimkan "hai neng pa kabar dah lama neh ga pernah angkat telepon aku eh sekarang sms waduh kaya mimpi"

Waduh mampus pikirku, ketahuan nih aku modus Nya. Tapi sudahlah terlanjur basah akhirnya aku coba beranikan diri untuk membalas kembali,"baik om bal,om aku ada perlu neh, bisa bantu aku ngak".

Tidak lama setelah aku kirim SMS yang kedua hapeku berdering dan akun liat itu dari Om bal.

"Halo,," jawabku dengan sedikit gugup karena modusku sepertinya telah dia ketahui.

"Ya halo neng sayang, apa yang bisa om bantu,"balasnya menjawab ku ditelpon.

Akhirnya aku pun coba menceritakan soal Wiwi temanku dan permasalahan yang sedang dia hadapi.

Setelah aku ceritakan panjang lebar om bal menyahut, "Ok neng aku bantu,, tapi ada syaratnya"
Waah seperti yang aku duga sebelumnya om satu ini pasti mau bantu dengan syarat bathinku, "apa om syaratnya??" tanyaku ke om bal dengan pura-pura bodoh, padahal aku sudah tau pasti tidak jauh dari masalah selangkangan.

"Syaratnya aku akan bantu asal temennya mau nemanin aku di hotel," mendengar itu aku tersenyum sendiri karena dugaanku tepat. "Kebetulan aku ada waktu besok cuma 3 jam sebelum berangkat ke Singapore, hotel kamu yang boking ya neng ntar aku transfer duit nyaa tapi sms no rek kamu ya," sambungnya lagi.

"oke bos" jawabku girang karena berhasil mendapatkan bantuan untuk wiwi dan langsung aku sms no rekening ku ke dia.

Setelah aku sms om bal aku segera telpon wiwi dan kasih kabar ini kepadanya.
"Halo,, wi,, aku sudah mendapatkan orang yang mau membantumu, tapi kamu harus layanin dia diHotel besok pagi', segera aku sampaikan apa tadi syarat yang diberikan om bal kepadaku.

Hanya basa basi karena wiwi pasti tidak akan menolak tawaran om bal ini, dan benar wiwi tertawa dengan girang dia bilang terima kasih kepadaku, "mau neng, mau,, wiwi bakal terima syaratnya, makasih ya neng", akhirnya kami pun janjian jam 10 pagi ketemu di lobi sebuah hotel untuk bertemu dengan om bal.

Pagi harinya aku segera ke ATM untuk mengambil uang transferan si om buat boking hotel seperti yang dia janjikan, aku melihat jam yang ada di hape ku

"hmm sudah jam sepuluh kurang", gumamku. Aku kemudian melonggok kedalam lobby hotel dan kulihat si wiwi sudah adaa di lobi hotel.

"Neng,,", panggilnya kepadaku sambil tersenyum. Wiwi menghampiriku, sambil menjitak kepalaku dia berkata "makasih ya neng".

Aku pun segera keresepsionis dan melalukan cek in kamar atas namaku, selesai cek in dan mendapatkan nomor kamar aku segera SMS om bal nomor kamar yang sudah aku bookingkan untuk mereka berdua. Sembari menunggu kedatangan om bal aku bersama wiwi mulai berjalan menuju kamar dan memesan minum serta cemilan dan sambil sambil menunggu kedatangan om bal.

Setelah 30 menit waktu berselang pintu kamar hotel ada yang mengetuk "took,, tok,, tok,,"
"Ya sebentar," jawabku sambil menuju ke arah pintu kamar untuk membukanya. Setelah kubuka ternyata benar yang datang adalah Om bal.

Segera om bal pergi masuk kedalam kamar, sambil masuk kedalam kamar dia memeluk dan mencium pipiku dan dengan nada bercanda aku berkata "aduh om yang seharusNya di sosot tuh teman aku si wiwi bukan neng,aduh salah neh,,"

Mendengar candaan ku dengan genitnya om bal mencubit pipi ku dan tertawa,
Aku pun segera mengenalkan Wiwi kepadanya.
 
"Wi ini kenalin om bal yang tadi aku ceritakan ke kamu, ayo sini jangan malu-malu gitu", tanganku menarik tangan wiwi untuk bersalaman dengan om bal.

"Bagaimana om bal, kok malah bengong gitu," tanya ku kepada om bal yang terdiam ketika melihat perawakan tubuh wiwi yang walaupun bertubuh lebih kecil dariku hanya 160 cm tapi dengan besaran Cup payudaranya yang berukuran 38 B itu pria mana yang tidak akan kehilangan kata-kata melihatnya.
"Hayoo,, malah bengong,, tutup tuh mulutnya ntar ada laler yang masuk hihihi," candaku kepada om bal yang terlihat bernafsu melihat wiwi.

"Eh iya.. ya,," jawab om bal gugup.
 
Setelah kenalan dan berbasabasi sebentar om bal duduk di samping wiwi sambil tangannya kulihat sedang bergerilya dada wiwi, aku hanya tersenyum saja melihatnya, sepertinya om bal lupa kalau aku masih ada didalam kamar itu.

Kamar yang aku pesan tadi memang kebetulan kamar doubel bed, jadi saat om bal dengan penuh nafsu meremas remas dada wiwi di bed satu lagi aku masih duduk dihadapan mereka yang berada, setelah suasana semakin memanas aku permisi mau nunggu di lobi.

"Om,, wii,, aku ga enak nih takut ganggu,," aku ke lobi dulu ya.

"Jangan neng,, temenin aku disini,, aku masih takut,," cegah wiwi yang tidak mau di tinggal olehku.
Mendengar permintaan wiwi itu aku malah jadi bingung dan melihat ke Om bal.
 
"Udah neng kalo wiwi maunya seperti kamu disini aja ya buat nemenin dia," pinta om bal kepadaku sepertiny si om juga tidak keberatan dengan permintaan wiwi itu.
 
"haah,, wiwi kamu ini aneh,, aneh saja,," aku menghela napas panjang, dan akhirnya aku duduk diam dikamar dan mengambil remote Tv dan menghidupkannya.

Sambil menonon TV, aku sempat melirik kearah wiwi dan om bal. Kulihat wiwi yang lagi asik mengoral kontolnya si om. "wih gede juga panjang agak bengkok lagi," aku membathin dan berdecak melihatnya.
 
Aku mencoba memalingkan pandangan ku kelayar TV kembali tapi kembali konsentrasi ku hilang ketika aku mendengar desahan si om yang ke enakan.

"Aaahh,, uuhh,, terus wi enak banget mulut kamu", desahnya
"Uhh,,, iya wi trus,, aah,," desahan itu terus berlanjut membuat ku kembali melirik kearah mereka.
Namun kali ini lirikan ku kali ini ketahuan om bal dan dia mulai menggodaku, "kenapa neng,, kok lirik-lirik mau juga ya??"

"Idiih,, enak aja,," aku membalas godaanya dan dengan bercanda aku berkata "aku Cuma mau bilang om ko di oral tapi masih pada pakai baju sih,ga enak dong"

Om bal tertawa mendengar candaan ku dan sambil menarik tangan ku di bilang "neng yg bukain baju aku dong"

"Wah om kalau pakai asisten bayarannya beda nih" candaku. Tapi tetap aku melepaskan baju, celana sampai sempaknya dan kugantung dilemari.

Wiwi yang melihatku melepas pakaian om bal ikut-ikutan memintaku hal yang sama "neng wiwi juga dong neng sekalian, kan neng asisten wiwi"

"Sialan,ya udah lah aku gantung juga baju,celana dan under wear Nya kamu wi,, sini,," sambil bercanda ku tepak pantat si wiwi ketika melepas underwearnya.

"Wii,, kalau main yang hot dong,, masak kalah sama anak SMP " ledekku ke wiwi.
Kontan si wiwi cemberut dan si om ketawa terbahak-bahak, "iya niih malu kali adaa kamu neng"

"Wah kalau malu malah aku tinggal ke lobi loh wi, bikin malu aja, rekomendasi aku tuh kamu main nyaa hot" sambilku colek kontol si om yang lagi di oral oleh wiwi, jujur saat itu akupun merasa penasaran dengan kontol Om bal.

Merasa di ledek si wiwi menjawab "Okay,, Wiwi mainnya yang hot,, biar ntr neng juga horny liat nya"
"hahaha,, coba aja kalau bisa," ejekku sambil bercanda ke wiwi.

Tidak lama dari ledek-ledekan dan candaan tadi, benar saja setelah itu wiwi dan om bal berciuman dan saling main lidah.
"glekkk,," melihat adegan itu aku tanpa sadar menelan ludah.

Setelah puas berciuman aku melihat om bal menjilati lehet wiwi, dia mencium dan dan menjilati leher wiwi hingga kepundaknya. "Uhhh,,, ooh,," aku mendengar suara wiwi mendesah nikmat saat om bal melakukan itu.

Dari leher dan pundak ciuman om bal mulai perlahan tapi pasti mendarat di dada wiwi yang super besar. Dadanya yang berukuran 38 B itu seakan menantang untuk dijamah dengan pentil yang sudah tegak menantang

Dengan rakus om bal menyedot dan memainkan lidah didada wiwi, "Uhh, Enakk omm,, Ehmm,," wiwi terus mendesah.

Om bal terus memainkan lidahnya di dada wiwi dipentilnya , aku melihat om bal menghisap dan bahkan menggigit pentil wiwi, "Argghh,,, enak omm,, trus om,," wiwi terus meracau keenakan.

"Uuuh,, terus om,, remas oom,," seakan sudah lupa keberadaan ku disana wiwi terus mengerang keenakan.

Aku melihat tangan om bal mulai mengelus-elus memeknya wiwi yang berbulu lebat. "Aahhh,, enak oomm,,"desar wiwi saat jari-jari om bal mulai memainkan memeknya.

Wiwi trus mengelinjang dan mendesah, "Ahhh,,, nikmat om,, enak banget,, trus oomm,,"
Mendengar desahan wiwi dengan semangat 45 om bal terus menghisap pentil si wiwi dan tangannya semakin cepat mengocok memek wiwi sampai terdengar bunyi keciprak..

"Clapp,, clapp,,", memek wiwi bunyi berkeciprak karena rangsangan luar biasa hingga menjadi sangat basah.

Tanpa sadar aku mulai meremas dan memegang memekku sendiri, "Ehmm,," aku mendesis karena merasa horny.

Setelah 10 menit om bal melakukan foreplay dan rangsangan di dada dan memek wiwi, 2 titik wilayah kenikmatan seoarang wanita. Wiwi akhirnya mulau mengejang bibirnya mulai meracau tidak jelas

"Oouugh.. om,, Enak,, Omm,, trus,, Arrrgghh,, Om trus,, wiwi mau keluar Aauchhhhhhhhhhhh,," diiringin dengan teriakan panjang aku melihat badan wiwi mulai mengejang sambil menjambak rambut om bal.

"Hmmphh,," tenggorokanku menjadi kering melihat wiwi yang orgasme. Aku hanya bisa melirik dan menahan nafas.

"Gila live show Nya panas, wiwi yang puas aku yang panas dingin", aku membathin kesal.

Aku kembali melirik mereka berdua dan aku lihat om bal kembali beraksi, dia menarik menarik badan wiwi keatas badannya dan membenam kan muka wiwi k selangkanganya mereke melakukan posisi 69.
Wiwi yang sudan mulai bernafsu mengerti apa yang diinginkan om bal, dengan nafsunya yang sedang naik sampai puncaknya aku meliha wiwi langsung dengan nafsunya mengoral kontol om bal, dia menjilati kontolnya dari ujung lobang kencingnya sampai ke buah zakarnya om bal.

"Ouuhhhhh....", aku mendengar om bal mendesah rupanya wiwi sudah melancarkan serangannya disekitar selangkangannya, menjilati dan bahkan menghisap daerah sensitif om ba..
 
"akhhhh....ouffffhhhhh...." om bal terus mendesah keenakan saat kontolnya dihisap bak seekor anjing yang baru menemukan tulang diantara sampah oleh wiwi... "ternyata wiwi bisa ganas kek ini juga," aku membathin.
"Uhhhh,,, Ehmmm,," semakin lama memekku semakin berdenyut dan basah melihat om bal dan wiwi.

"Ouhh,, Enak wi terus,, terus", aku semakin horny mendengar desahan om bal, aku lihat wiwi terus mengemut kontol om bal, sedotan dan kocokan mulut wiwi membuat si om menarik nafas ke enakan.
Tidak mau kalah Om bal pun menjilati dan menciumin Memek wiwi "Hmmm,, memek mu harum juga wi" puji om bal ke wiwi.
 
Aku melihat wiwi tersenyum dipuji seperti itu oleh om bal, "Iyaa omm, jilatin memek wiwi om,,"
Aku menjadi penasaran dengan pujian om bal dan ku lirik memeknya wiwi, ternyata walau berbulu lebat , bulu memek wiwi tertata indah dan rapi. Aku lihat om bal penuh gairah yang semakin menjadi menusuk-nusuk lidahnya kememek wiwi, menciumnya, menjilatinya, dan bahkan mengisapi cairan-cairan yang mulai menumpah membasahi memek wiwi tersebut.

"Uhhmm,, Ahh,," wiwi mendesah menikmati perlakukan om bal kedirinya.

Aku melihat wiwi juga kembali melancarkan serangan ke om bal seakan tidak mau kalah. Selain mengocok kontol om bal, wiwi juga terlihat terlihat tidak jijik menjilati anus om bal.
 
"hmm,, aah,," aku semakin tidak bisa mengontrol diriku, ternyata wiwi bisa juga seliar ini pikirku, dan dia berhasil membuatku semakin merasa horny.
 
Wiwi dengan semakin gencar melakukan kocokan batang kontolnya om bal hingga membuat si om bergetar badannya.

Aku lihat kontol om bal menjadi sangat tegang, mengkilat karena basah oleh air ludah wiwi yang baru saja mengulumnya. Aku melihat wiwi berinisiatif naik ke atas badan om bal dan mulai memasukkan kontol om bal kedalam memeknya.

'Uhhmm,,," Wiwi mendesah begitu kontol om bal mencoba memasuki rongga memeknya.
"Ahhhffff...ouhhh..." desah wiwi, kemudian kembali ia menarik tubuh om bal kearah tubuhnya serta mengarahkan kontolnya ke "gawang" kenikmatannya.
 
"Blessshhhh...." kontol om bal sudah berada di memek wiwi, aku melihat wiwi pun meremas dadanya dan menggonyangkan pantatnya. Om bal mencoba mengimbangi wiwi dengan membantu gerakan maju mundur.

"Ahh,,," desah wiwi sambil mulai menggoyang pantat dan pinggulnya, naik dan turun,kadang kedepan dan kebelakang,

"Claapp,, clapp,," suara kelamin yg ketemu bersuara, tercium sensasi aroma khas wanita dah Wiwi mendesah dan nafas mereka sama2 terdengar ngos2an.

"Sleeppsss...slupppss...ahhhhh" desah wiwi saat om bal menginstruksikan padanya untuk mempercepat gerakan.

"Ohhhh... ahhhh..yaaa" desah wiwi.

"Ayo dong wiii dipercepat lagi gerakannya...ohhh... dah mau keluar nih" pinta om bal.

"Iya om wiwi juga mau keluar nich..oh..ouw", racau wiwi menahan nikmat.

"Tahan wi aku juga mau keluar, bareng-bareng" teriak om bal

Mereka berpelukan sambil terus menggoyang pinggul dan pantatnya dengan tempo semakin lama semakin ceatt

"Aahhhrggg,,,,,,, Wiiiiiiiii,,,, Ooomm,,,,,, Aaaaaahh" Keduanya mengerang bersamaan sambil berpelukan dan sedikit demi sedikit erangan itu mulai mereda.

"Uhh,," aku terus mengelus memekku sendiri melihat mereka mencapai. Tapi aku tidak peduli, aku ingin ikut bergabung tapi aku masih gengsi keinginan akan seks dan harga diriku saling berkecamuk dalam bathinku.

Setelah mereka sedikit segar setelah klimaks yang dasyat yang baru saja mereka dapatkan wiwi bangkit dan berjalan kekamar mandi sambil tertawa dan berkata "betah banget neng cuma ngeliat doang, mau gabung ngak si om kontolnya gede banget, enak neng"

"Uhhh,," aku yang masih mengelus-elus memekku dan meremas dadaku sendiri. Jadi kehilangan akal karena ditantang seperti itu oleh wiwi.

"Ok ronde ke 2 neng gabung tapi om bayarannya nambah dong masa beli 1 gratis 1. kaya d mini market'', candaku ke pada om bal, tentu itu hanya taktikku. Aku tidak mau dibilang cewe murahan dan soal harga diri aku tidak mau mengaku kalah dari wiwi dan mengakui bahwa aku tengah sangat horny.

"Hahaha,," Om bal ketawa mendengar permintaanku
"Ok ntar di tambahin buat extra, om emang sudah lama juga neh ngerayu si neng tapi ngak pernah mau eh sekarang malah nantangin", om bal berkata dengan wajah sangat senang, memang sudah sangat lama dia mengiginkan tubuhku dan aku tahu itu.
Tidak lama setelah om bal dan wiwi selesai membersihkan diri dikamar mandi, tanganku di tarik oleh om bal dan si om mulai mencium bibir ku dengan penuh nafsu.
"Mmmhh,," aku mendesah nikmat.
Sambil tangannya meraba-raba dan memencet puting putingku, wiwi pun tidak mau kalah dia mulai ikut menciumi dadaku. Dia meremas-remas dadaku.
"Ahh,, uuhh,," aku terus mendesah keenakan diperlakukan seperti itu oleh mereka berdua.

"Uuuh,,Anjrit dobel fight neh" bathinku keenakan, setelah selesai berciuman om bal menyuruhku tidur di ranjang. Sepertinya dia sudah tidak tahan ingin mencoba bermain denganku setelah selama ini aku terus menolaknya.

Aku tersenyum dan sambil terus diciumin oleh om bal serta wiwi aku berbisik ke wiwi "wi,, gimana kalau kita bikin si om ga bisa nginjak pedal gas mobil yu"
Dengan ketawa si wiwi menjawab "ok bos,siap,,"

Wiwi dengan ganasnya kemudian naik ke atas mulut om bal dengan sigap si om menyeruput memek wiwi sampai wiwi mendesis seperti orang kepedasn "ssttt,,, oo,, enak om"
 
Melihat wiwi bersikap agresif seperti itu aku jadi ikut mengganas. Aku melihat kontol om bal sedang mengganggur aku langsung saja menjilati kontolnya dari ujung hingga ke pangkalnya dengan lidah sambil berputar membuat si om mengelinjing keenakan.

"Mmmmh,, Uff,, ennaaak,, Neng," om bal mengerang nikmat.

Wiwi melihatku seperti itu akhirnya ikut-ikutan menaik turunkan selangkangannya dan mendesah nikmat, "Uhh,,, enak om,, terus omm"

Ternyata om bal yang menerima service atas dan bawah membuat si om kewalahan juga, dia tidak tahan lagi dan dia menarik wiwi agar duduk d atas penis Nya yang menegang dan kembali di goyang oleh wiwi.

"Uhh,, ayo wii,, goyang terus,,," sambil om bal meremas-remas dada wiwi.
Wiwi memang sangat mahir bergoyang dan menaik turun kan memeknya membuat si om mendesah, "aah,, enak,, wii,, terus goyang sayang"

Aku pun tidak mau kalah dan segera kucium bibir om bal, menerima ciuman ku tangan om bal memegang dan meremas dadaku sedangkan tangan satunya lagi mengobok-obok liang vaginaku, "uhh nikmat sekali, om,, terus om".

Tanganku yang bebas kugunakan untuk memegang dan mengocok clistoris wiwi yang sedang bergoyang dengan hotnya. "Aahh,, neng apa yang kamu lakukan,,, Ahhh enak neng terus,,"
 
Aku semakin cepat menggosok klitorisnya mendapat perlakuan seperti itu pertahanan wiwi akhrinya jebol juga wiwi ambruk di dada si om setelah berkata "Oouh.. wiwi mau ke luar lagi om enak,,,".

Nafasnya wiwi ngos-ngosan dia mengalami klimaksnya, Om bal yang masih belum mendapatkan orgasme bangkit dan menarik tanganku ke ranjang yg satunya lagi, meninggal kan wiwi yang masih tergeletak lemas,

Dia menaiki badanku dan dengan sekali sentak kontolnya amblas ditelan memekku "Uuhh Uuuh,, Anjrit,, ayo om entotin neng om", aku mendesah dan mengeluarkan kata kotor benar kata wiwi kontol om bal besar, panjang dan agak bengkok, ini membuat sensasi sendiri saat dia menggesek2an maju mundur, "Uuh,, nikmat,," ini seakan membawa ku kelangit ke 7.

"Oouhgg nikmat om,, terus entotin neng", aku mulai terbawa nafsu, terus mengenjotkan pinggung dan bokongku.

"Ahhkk...ahhkkk...ouhhh.." Erangku sambil melumat bibir om bal secara ganas.

Goyangan demi goyangan membuatku semakin tidak tertahankan untuk mengeluarkan larva hangatku.
"Akkkkhhhhh.....ougghhhhh..." desah panjangku mulai keluar
 
"Eehmmm....ahhhhh..ouuu shitt,, " Nikmat tiada tara kurasakan.
 
"Ssst...ahhhhhhhhh", om bal pun mengerang panjang dibarengi keluarnya sperma yang memuncrat dimemekku.

"Ahhhhhh.. ouuuuu.... AAAah." Hanya itu kata-kata yang dia ucapkan

"Gila wi si eneng punya empot ayam, baru sebentar aja om dah ga kuat lawan dia, wah benar-benar ngak bisa nginjak pedal gas mobil neh,lemes banget", om bal memujiku.

Kami berdua pun ketawa karena om bal sampai sempoyongan jalan ke kamar mandi,
Setelah kami bersih-bersih si om pun sudah kembali memakai baju dan celana Nya, dia mengeluarkan dompet dan berkata ambil semuanya neng, dan terima kasih ya sambil mencium pipi ku dan memeluk erat serta mencium pipi wiwi, dia pergi karna mau kembali ke kantornya dan besiap-siap ke singapore untuk meting

Uang yang aku terima dari om bal aku kasih semua ke wiwi, dengan bingung dia berkata "neng aku cuma perlu 2 juta ini ada 5 juta, berarti 3 jutanya punya kamu"

Dengan tersenyum aku bilang kepadanya "ga usah wi buat kamu aja semua,kamu kan perlu"

"Gila kamu neng,, kamu kan juga abis di pake si om masa ga terima duit Nya" aku ketawa mendengar wiwi bilang seperti itu.

"hahaha, wi,, neng tadi ikut-ikutan ML ama dia bukan buat d bayar tapi fun-fun aja,, neng tadi beneran pengen karena liat kalian berdua, ngak apa-apa duit itu buat kamu, Neng tau masalah kamu wi, sepupu kamu dah cerita ama neng kalau wiwi di kejar-kejar depcolector buat bayar kartu kredit yang di pake laki wi kan, ya sekarang wi tutup semua utang wi ke bank deh, ga enak punya utang sama yg begituan bikin pusing"

Wiwi nangis dan memeluk ku sambil berkata "makasih neng,biar ini jadi rahasia kita ber dua ya" dengan mengerdipkan mata aku jawab "ok bos,siap" kami pun tertawa sambil keluar dari kamar itu.

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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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