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.

Sari..Namaku




Namaku Sari, asli dari Solo, pernah 4 kali menikah, tapi tidak pernah bisa hamil, sehingga mantan-mantan suami semua meninggalkanku, bodyku sexy, kulitku kuning langsat, tinggiku 161 cm dengan berat badan 50 kg, "kamu persis Desy Ratnasari, Sari!", kata mantan suamiku terakhir. Banyak laki-laki lain juga mengatakan aku persis seperti Desy Ratnasari.

Aku bekerja sebagai pembantu rumah tangga (PRT) di kota Gudeg Yogyakarta, majikanku seorang janda berusia 50 thn, Ibu Sumiati yang masih bekerja sebagai pegawai negeri di Gubernuran. Anaknya 3 orang.Yang pertama perempuan, Aryati 28 thn, bekerja sebagai sekretaris, 2 bulan lagi menikah. Yang kedua juga perempuan, Suryati 25 thn, bekerja sebagai guru. Yang ketiga laki-laki, satu-satunya laki-laki di rumah ini, tampan dan halus budi-pekertinya, Harianto 22 tahun, masih kuliah, kata Ibu Sum, Mas Har (demikian aku memanggilnya) tahun depan lulus jadi insinyur komputer. Wah hebat, sudah guaaanteng, pinter pula...

Setiap pagi, aku selalu bangun jam 4:30, sebelum bekerja aku sudah mandi dengan sangat bersih, berpakaian rapi. Aku selalu memakai rok panjang hingga semata-kaki, bajuku berlengan panjang. Aku tahu, Ibu Sum senang dengan cara berpakaianku, dia selalu memujiku bahwa aku sopan dan soleha, baik sikap yang santun, maupun cara berpakaian. Meskipun begitu, pakaianku semuanya agak ketat, sehingga lekuk-lekuk tubuhku cukup terlihat dengan jelas.

Mas Har sering melirik ke arahku sambil terkagum-kagum melihat bentuk tubuhku, aku selalu membalasnya dengan kedipan mata dan goyangan lidah ke arahnya, sehingga membuat wajahnya yang lugu jadi pucat seketika. Paling telat jam 7:15, mereka semua berangkat meninggalkan rumah, kecuali Mas Har sekitar jam 8:00. Aku tahu, Mas Har sangat ingin menghampiriku dan bercumbu denganku, tapi ia selalu nampak pasif, mungkin ia takut kalau ketahuan ibunya. Padahal aku juga ingin sekali merasakan genjotan keperjakaannya.

Pagi itu, mereka semua sudah pergi, tinggal Mas Har dan aku yang ada di rumah, Mas Har belum keluar dari kamar, menurut Ibu Sum sebelum berangkat tadi bahwa Mas Har sedang masuk angin, tak masuk kuliah. Bahkan Ibu Sum minta tolong supaya aku memijatnya, setelah aku selesai membersihkan rumah dan mencuci pakaian. "Baik, Bu!", begitu sahutku pada Ibu Sum. Ibu Sum sangat percaya kepadaku, karena di hadapannya aku selalu nampak dewasa, dengan pakaian yang sangat sopan. Setelah pasti mereka sudah jauh meninggalkan rumah, aku segera masuk kamarku dan mengganti pakaianku dengan rok supermini dan kaus singlet yang ketat dan sexy. Kusemprotkan parfum di leher, belakang telinga, ketiak, pusar dan pangkal pahaku dekat lubang vagina. Rambutku yang biasanya kusanggul, kuurai lepas memanjang hingga sepinggang. Kali ini, aku pasti bisa merenggut keperjakaan Mas Har, pikirku.

"Mas Har. Mas Har!" panggilku menggoda, "tadi Ibu pesan supaya Mbak Sari memijati Mas Har, supaya Mas Har cepat sembuh. Boleh saya masuk, Mas Har?"

Pintu kamarnya langsung terbuka, dan nampak Mas Har terbelalak melihat penampilanku,

"Aduh, kamu cantik sekali, Mbak Sari... Persis Desy Ratnasari... ck, ck, ck..."

"Ah, Mas Har, bisa saja, jadi mau dipijat?"

"Jadi, dong..." sekarang Mas Har mulai nampak tidak sok alim lagi, "ayo, ayo...", ditariknya tanganku ke arah tempat tidurnya yang wangi....

"Kok Wangi, Mas Har?" Rupanya dia juga mempersiapkan tempat tidur percumbuan ini, dia juga sudah mandi dengan sabun wangi.

"Ya dong, kan ada Desy Ratnasari mau datang ke sini,".

Kami mulai mengobrol ngalor-ngidul, dia tanya berapa usiaku, dari mana aku berasal, sudah kawin atau belum, sudah punya anak atau belum, sampai kelas berapa aku sekolah. Omongannya masih belum "to-the-point", padahal aku sudah memijatnya dengan sentuhan-sentuhan yang sangat merangsang. Aku sudah tak sabar ingin bercumbu dengannya, merasakan sodokan dan genjotannya, tapi maklum sang pejantan belum berpengalaman.

"Mas Har sudah pernah bercumbu dengan perempuan?", aku mulai mengarahkan pembicaraan kami, dia hanya menggeleng lugu.

"Mau Mbak Sari ajari?", wajahnya merah padam dan segera berubah pucat. Kubuka kaus singletku dan mulai kudekatkan bibirku di depan bibirnya, dia langsung memagut bibirku, kami bergulingan di atas tempat tidurnya yang empuk dan wangi, kukuatkan pagutanku dan menggigit kecil bibirnya yang merah delima, dia makin menggebu, batang penisnya mengeras seperti kayu...

Wow! dia melepas beha-ku, dan mengisap puting susuku yang kiri, dan meremas-remas puting susuku yang kanan...

"Aaah.. sssshhhh, Mas Har, yang lembut doooong..." desahku makin membuat nafasnya menderu...

"Mbak Sari, aku cinta kamu...." suaranya agak bergetar..

"Jangan, Mas Har, saya cuma seorang Pembantu, nanti Ibu marah," kubisikkan desahanku lagi.... Kulucuti seluruh pakaian Mas Har, kaos oblong dan celana pendeknya sekaligus celana dalamnya, langsung kupagut penisnya yang sudah menjulang bagai tugu monas, kuhisap-hisap dan kumaju-mundurkan mulutku dengan lembut dan terkadang cepat...

"Aduuuh, enaaaak, Mbak Sari...." jeritnya...

Aku tahu air-mani akan segera keluar, karena itu segera kulepaskan penisnya, dan segera meremasnya bagian pangkalnya, supaya tidak jadi muncrat. Dia membuka rok-miniku sekaligus celana dalamku, segera kubuka selangkanganku.

"Jilat itil Mbak Sari, Mas Haaaarrr..., yang lamaaa...", godaku lagi... Bagai robot, dia langsung mengarahkan kepalanya ke vegie-ku dan menjilati itilku dengan sangat nafsunya....

"Sssshhhh, uu-enaaak, Mas Haaaarrrr...., sampai air mani Mbak Sari keluar, ya mas Haaar".

"Lho, perempuan juga punya air mani..?" tanyanya blo'on. Aku tak menyahut karena keenakan...

"Mas Haaarrr, saya mau keluaaar..." serrrrrr.... serrrrrrrrr.... membasahi wajahnya yang penuh birahi.

"Aduuuuh, enak banget, Mas Har! Mbak Sari puaaaaaassss sekali bercinta dengan Mas Har..... penis Mas Har masih keras? ...belum keluar ya? Mari saya masukin ke liang kenikmatan saya, Mas! Saya jamin Mas Har pasti puas-keenakan...."

Kugenggam batang penisnya, dan kutuntun mendekati lubang vegieku, kugosok-gosokkan pada itilku, sampai aku terangsang lagi... Sebelum kumasukkan batang keperkasaannya yang masih ting-ting itu ke lubang vegieku, kuambil kaos singletku dan kukeringkan dulu vegieku dengan kaos, supaya lebih peret dan terasa uuenaaaak pada saat ditembus penisnya Mas Har nanti...

"Sebelum masuk, bilang 'kulonuwun' dulu, dong sayaaaaaang...", Candaku....

Mas Har bangkit sebentar dan menghidupkan radio-kaset yang ada di atas meja kecil di samping ranjang..... lagunya.... mana tahaaaan.... "Kemesraan ini Janganlah Cepat Berlalu......"

"Kulonuwun, Mbak Sari...cintakuuuuu...."

"Monggo, silakan masuk, Mas Haaaarrr Kekasihkuuuuu...", segera kubuka lebar-lebar selangkanganku, sambil kuangkat pinggulku lebih tinggi dan kuganjel dengan guling yang agak keras, supaya batang penisnya bisa menghujam dalam-dalam.... Sreslepppppp......... blebessss.....

"Auuuuuow....", kami berdua berteriak bersamaan.....

"Enaaaak banget Mbak Sari, vegie Mbak Sari kok enak gini sih....?"

"Karena Mbak Sari belum pernah melahirkan, Mas Har... Jadi vegie Mbak Sari belum pernah melar dibobol kepala bayi..... kalau pernah melahirkan, apalagi kalau sudah melahirkan berkali-kali, pasti vegienya longgar sekali, dan nggak bisa rapet seperti vegienya Mbak Sari begini, sayaaaaang... lagi pula Mbak selalu minum jamu sari-rapet, pasti SUPER-PERET....", kami berdua bersenggama sambil cekikikan keenakan... Kami berguling-guling di atas ranjang-cinta kami sambil berpelukan erat sekali....

Sekarang giliranku yang di atas... Mas Har terlentang keenakan, aku naik-turunkan pinggulku, rasanya lebih enak bila dibanding aku di bawah, kalau aku di atas, itilku yang bertumbukan dengan pangkal penis Mas Har, menimbulkan rasa nikmat yang ruaaaaarbiassssa uu-enaaaaaaknya.....

Keringat kami mulai berkucuran, padahal kamar Mas Har selalu pakai AC, sambil bersenggama kami mulut kami tetap berpagutan-kuat. Setelah bosan dgn tengkurap di atas tubuh Mas Har, aku ganti gaya. Mas Har masih tetap terlentang, aku berjongkok sambil kunaik-turunkan bokongku. Mas Har malah punya kesempatan untuk menetek pada susuku, sedotannya pada tetekku makin membuatku tambah liar, serasa seperti di-setrum sekujur tubuhku.

Setelah 10 menit aku di atas, kami berganti gaya lagi... kami berguling-gulingan lagi tanpa melepaskan penis dan vegie kami.

Sekarang giliran Mas Har yang di atas, waduuuuh... sodokannya mantep sekali... terkadang lambat sampai bunyinya blep-blep-blep... terkadang cepat plok-plok-plok... benar-benar beruntung aku bisa senggama dengan Mas Harianto yang begini kuaaaatnya, kalau kuhitung-kuhitung sudah tiga kali cairan vegieku keluar karena orgasme, kalau ditambah sekali pada waktu itilku dijilati tadi sudah empat kali aku orgasme... benar-benar vegieku sampai kredut-kredut karena dihujam dengan mantapnya oleh penis yang sangat besar dan begitu keras, bagaikan lesung dihantam alu..... bertubi-tubi.... kian lama kian cepat...... waduuuuhhhhh...... Wenaaaaaaaaakkkkk tenaaaaan......

"Mbak Sari, aku hampir keluaaaaaar nih...!!" ....

"Saya juga mau keluar lagi untuk kelima kalinya ini, Mas Haaaaar.... Yuk kita bersamaan sampai di puncak gunung kenikmatan, yaaa sayaaaaanngggg"

"Ambil nafas panjang, Mas Har... lalu tancepkan penisnya sedalam-dalamnya sampai kandas...... baru ditembakkan, ya Maaaasss... ssssshhhhhh........"

Sambil mendesis, aku segera mengangkat pinggulku lagi, kedua kakiku kulingkarkan pada pinggangnya, guling yang sudah terlempar tadi kuraih lagi dan kuganjelkan setinggi-tingginya pada pinggulku, hujaman penis Mas Har semakin keras dan cepat, suara lenguhan kami berdua hhh...hhhhh....hhhhhh..... seirama dengan hujaman penisnya yang semakin cepat.....

"Tembakkan sekaraaaaang, Maaaasssss!", Mas Har menancapkan penisnya lebih dalam lagi, padahal sedari tadi sudah mentok sampai ke mulut rahimku.... bersamaan dengan keluarnya cairan vegieku yang kelima kali, Mas Har pun menembakkan senjata otomatis berkali-kali dengan sangat kerasnya....

CROOTTTTT !!! CROOTTTTT !!! CROOTTTTT !!! CROOTTTTT !!! CROOTTTTT !!! CROOTTTTT !!! CROOTTTTT !!! CROOTTTTT !!! Berhenti sebentar dan CROOTTTTT!!! CROOTTTTT !!! CROOTTTTT !!! lagi..... Seperti wong edan, kami berdua berteriak panjaaaaanggg bersamaan;

"Enaaaaaaaaaakkkkk!"..... sekujur tubuhku rasanya bergetar semuanya... dari ujung kepala sampai ujung kaki, terutama vegieku sampai seperti "bonyok" rasanya..... Mas Har pun rebah tengkurep di atas tubuh telanjangku..... sambil nafas kami kejar-mengejar karena kelelahan..................

"Jangan cabut dulu, ya Maaasss sayaaaang... masih terasa enaknya... tunggu sampai semua getaran dan nafas kita reda, baru Mas Har boleh cabut yaaa......" pintaku memelas..... kami kembali bercipokan dengan lekatnya...... penisnya masih cukup keras, dan tidak segera loyo seperti punya mantan-mantan suamiku dulu....

"Mbak Sari sayaaaang, terima kasih banyak ya..... pengalaman pertama ini sungguh-sungguh luar biasa... Mbak Sari telah memberikan pelayanan dan pelajaran yang maha-penting untuk saya...... saya akan selalu mencintai dan memiliki Mbak Sari selamanya...."

"Mas Har cintaku, cinta itu bukan harus memiliki... tanpa kawin pun kalau setiap pagi --setalah Ibu & Mbak-mbak Mas Har pergi kerja--, kita bisa melakukan senggama ini, saya sudah puas kok, Massss..... Apalagi Mas Harianto tadi begitu kuatnya, setengah jam lebih lho kita tadi bersetubuhnya, Mas! Sampai vegie saya endut-endutan rasanya tadi....."

"Aku hari ini tidak pergi kuliah, kebetulan memang ada acara untuk mahasiswa baru... jadi ndak ada kuliah...", kata Mas Harianto.

"Nah... kalau begitu, hari ini kita kan punya banyak waktu, pokoknya sampai sebelum Ibu dan Mbak-mbak Mas Har pulang nanti sore, kita main teruuuusss, sampai 5 ronde, kuat nggak Mas Har?", sahutku semakin menggelorakan birahinya.

"Nantang ya?" Tanyanya sambil tersenyum manis, tambah guanteeeeng dia.....

"aku cabut sekarang, ya Mbak? sudah layu tuh sampai copot sendiri...."

kami tertawa cekikikan dengan tubuh masih telanjang bulat.... setelah mencabut penisnya dari vegieku, Mas Har terlentang di sisiku, kuletakkan kepalaku di atas dadanya yang lapang dan sedikit berbulu.... radio kaset yang sedari tadi terdiam, dihidupkan lagi... lagunya masih tetap "kemesraan ini janganlah cepat berlaluuuuuu...."

Setelah lagunya habis, "Mas sayaaang, Mbak Sari mau bangun dulu ya.... Mbak Sari harus masak sarapan untuk Mas...."

"Untuk kita berdua, dong, Mbak Sari.... masak untuk dua porsi ya... nanti kita makan berdua sambil suap-suapan. Setuju?", sambil ditowelnya tetekku, aku kegelian dan "auuuwwww! Mas sudah mulai pinter nggangguin Mbak Sari ya.., Mbak Sari tambah sayang deh".

Aku bangkit dari ranjang, dan berlari kecil ke kamar mandi yang jadi satu dengan kamar tidurnya,

"Mas, numpang cebokan, ya..."

Kuceboki vegieku, vegie Sari yang paling beruntung hari ini, karena bisa merenggut dan menikmati keperjakaan si ganteng Mas Har... waduuuuhhh... benar-benar nikmat persetubuhanku tadi dengannya.. meskipun vegieku sampai kewalahan disumpal dengan penis yang begitu gede dan kerasnya -- hampir sejengkal-tanganku panjangnya.... wheleh.. wheleh....

"Sebelum bikin nasi goreng, nanti Mbak bikinkan Susu-Telor-Madu-Jahe (STMJ) buat Mas Har, biar ronde-ronde berikutnya nanti Mas tambah kuat lagi, ya sayaaaaaang...."

Kuambil selimut dan kututupi sekujur tubuhnya dengan selimut, sambil kubisikkan kata-kata sayangku... "Sekarang Mas Har istirahat dulu, ya..." kuciumi seluruh wajahnya yang mirip Andy Lau itu...

"Terima kasih, Mbak Sari... Mbak begitu baik sama saya... saya sangat sayang sama Mbak Sari...".

Kupakai pakaianku lagi, segera aku lari ke dapur dan kubuatkan STMJ untuk kekasihku.... setelah STMJ jadi, kuantarkan lagi ke kamarnya,

"Mas Har sayaaaang.... mari diminum dulu STMJ-nya, biar penisnya keras kayak batang kayu nanti, nanti Mbak Sari ajari lagi gaya-gaya yang lain, ada gaya kuda-kudaan, ******-anjingan, gaya enam-sembilan (69), dan masih ada seratus gaya lagi lainnya, Masssss," kataku membangkitkan lagi gelora birahinya... selesai minum diciuminya bibirku dan kedua pipiku.... dan Mas Harianto-ku, cintaanku, tidur lagi dengan tubuh telanjang dilapisi selimut.

Aku segera kembali ke tempat biasanya aku mencuci pakaian majikanku, menyapu rumah dan mengepelnya.. semua kulakukan dengan cepat dan bersih, supaya tidak ada ganjelan utang kerjaan pada saat bersenggama lagi dengan Mas Har nanti....

Kumasakkan nasi goreng kesukaan Mas Har dalam porsi yang cukup besar, sehingga cukup untuk sarapan berdua dan juga makan siang berdua... hmmm.... nikmat dan mesranya... seperti penganten baru rasanya...

Setelah nasi gorengnya jadi, kusiapkan dalam piring yang agak lebar, kutata penyajian dengan kelengkapan tomat, timun, telur mata-sapi, dan kulengkapi pula dengan sebuah pisang mas yang agak mungil, kusiapkan pula segelas coca-cola kesukaannya. Dengan memakai daster tipis tanpa beha dan celana dalam, kuantarkan makanan tadi ke kamarnya. Langsung kubuka saja pintu kamarnya

Aduh! Betapa terkejutnya diriku, ketika kulihat Mas Har sudah bangun dari tidurnya, tanpa memakai selimut lagi, Mas Har sedang ngeloco (mengocok penisnya) dengan wajah merah-padam... Segera kuletakkan makanan di atas meja tulisnya..

"Aduuuuhhh, jangan seperti itu, sayang, ngocoknya... nanti bisa lecet... nanti pasti Mbak Sari kocokin... tapi Mas Har harus makan dulu, supaya ada tenaga lagi... kalau ndak makan dulu, nggak bisa kuat dan tahan lama senggamanya, Mas!"

Kutanggalkan dasterku, segera dia menyergap tubuh telanjangku, dihisapnya puting tetekku yang kanan, sedang tangannya memilin tetekku yang kiri... Kupikir ini pasti gara-gara STMJ tadi,

"Sabar dong, Mas-ku tersayaaaaang..., yuk kita makan nasi goreng kesukaan Mas, sepiring berdua Mas, kayak judulnya lagu dangdut..."

Kusuapi Mas Har-ku dan disuapinya pula aku, sambil tangannya mengkilik-kilik itilku dengan sangat nakalnya. Wah! Edhiaan tenan reaksi STMJ tadi.... Hihihi...

"Mas Har sayang, jangan kenceng-kenceng dong kilikannya, nggak nikmaaat....", dia memperlambat kilikannya, sambil kami lanjutkan dan tuntaskan sarapan kami. Selesai makan, kuambilkan pula segelas besar coca-cola, kuulurkan gelas coca-cola ke mulutnya. Minum seteguk, Mas Har pun mengambil gelas dan mengulurkan pula ke mulutku.... wah! mesranya, Mas Har-ku ini...

Kuambil pisang mas, kukupas dan kubuang kulitnya, lalu aku berbaring di samping Mas Har, kubuka selangkanganku lebar-lebar, dan kumasukkan pisang tadi ke dalam liang vegieku.... Mas Har agak terkejut,

"Ayo! Bisa nggak makan pisang sampai habis dari lubang vegie Mbak Sari? Kalau bisa, nanti Mbak Sari ajari teknik-teknik dan gaya-gaya senggama yang lain deh!"

"Siapa takut!" sahut Mas Har...

Dia segera menaiki tubuhku, dengan posisi tengkurap... mulutnya di depan vegieku, ditariknya pisang itu dengan pelan-pelan dan sedikit-sedikit digigitnya daging pisangnya, sedangkan penisnya pun terjuntai ngaceng di depan mulutku.... segera kugenggam dan kumasukkan barangnya yang ngaceng itu ke dalam mulutku, kumainkan lidahku mengusap-usap kepala penisnya, dan dimaju-mundurkannya pisang mas tadi dalam liang vegieku, sehingga menimbulkan perasaan yang sangat nikmaaaaat dan memerindingkan seluruh bulu-bulu tubuhku....

"Mbak Sari, pisangnya sudah habis.... hebat kan?" Katanya lugu...

"Mas Har memang nomer satu buat Mbak Sari..." sahutku memujinya, membuatnya tersanjung dan sangat ditinggikan harga dirinya.

"Sekarang apa lagi?" tanya Mas Har...

"Silakan Mas jilati dan mainkan lidah dalam liang vegie saya... dan saya akan meng-emuti dan mengocok penis Mas dengan mulut saya.... ini namanya gaya 69, Mas sayaaang... mulut Mas ketemu vegie saya dan mulut saya ketemu penis Mas Har.... Enaaaak kan, sayaaang?"

"Wah! Sensasinya luar-biasa, Mbak......"

"Kalau bercinta itu jangan buru-buru, Mas.... harus sabar dan tenang, sehingga emosi kita bisa terkendali. Kalau Mas mau sampai duluan dengan cara ngeloco seperti tadi, kalau sempat keluar.. kan saya harus nunggu lagi penis Mas tegang lagi... kasian dong sama saya, Mas," suaraku kubikin seperti mau menangis.....

"Maafkan saya, ya Mbak Sari.... saya belum ngerti... mesti harus banyak belajar sama Mbak....."

Kami lanjutkan gaya 69 kami, kutelan habis penisnya, kuhisap-hisap dan kumaju-mundurkan dalam mulutku.... sementara Mas Har meluruskan lidahnya dan menjilati itil-ku, kemudian memasukkan lidahnya yang kaku ke dalam liang vegieku... ini berlangsung cukup lama...

Pada menit kelimabelas, serrr... serrrr... serrrr.... cairan hangat vegieku meluap, sekarang Mas Har malah menelannya.... aooowwww!

Dan pada menit keduapuluhlima, serrr... serrrr... serrrr.... lagi, kali ini lebih enaaaak lagi, kukejangkan seluruh tubuhku.... sambil mulutku tetap terus mengocok penisnya yang kerasnya minta-ampuuuuun.... pada waktu itu juga, penisnya memuncratkan air-peju dengan sangat derasnya, langsung kutelan seluruhnya, sampai hampir keselek......

"Enaaaakkkk....." Mas Har berteriak keenakan.....

Kami berguling, sekarang saya yang di atas, dengan tetap memagut penisnya yang masih cukup keras, kuhisap terus penisnya, sampai tubuh Mas Har berkedut-kedut memuncratkan tembakan-tembakan terakhirnya..... kujilati penis Mas Har sampai bersiiiiih sekali dan segera aku berputar, sehingga kepala kami berhadap-hadapan dengan posisi aku masih tetap di atas...

"Gimana, Mas Har sayaaang.... Enak enggak..?" godaku...

"Uu-enaaaaaaakkkkk tenaaaan....", kata Mas Har menirukan gaya pelawak Timbul dalam sebuah iklan jamu.....

Kami berciuman lagi dan berguling-guling lagi.... mulut kami tetap berpagutan dengan sangat kuaaaatnya..... Kucari penisnya dan kupegang... wah sudah keras lagi rupanya..... luar biasa kuatnya Mas Har kali ini, lebih kuat dari ronde tadi pagi.....

"Mas Har... saya ajari gaya kuda-kudaan... mau nggak?",

"Mau dong, sayaaaang.... Gimana?", tanyanya penasaran....

"Mas Har duduk menyender dulu....."

Dia segera mengikuti perintahku, duduk menyender landai pada sebuah bantal yang kutegakkan di punggung ranjang, akupun segera mengambil posisi jongkok membelakanginya. Kugenggam penisnya dan kutancapkan ke vegieku dari belakang.... BLESSS!!!, tangan Mas Har mendekap kedua tetekku dari belakang....

Sekarang giliranku yang harus menaik-turunkan pantatku seperti orang naik kuda.... semuanya berlangsung dengan sangat halus.... sehingga tidak sampai menimbulkan lecet pada penis Mas Har maupun vegieku.....

"Gimana Mas?", tanyaku untuk mengalihkan konsentrasi, supaya air-pejunya tidak segera muncrat......

"Benar-benar Mbak Sari pantas menjadi dosen percintaan saya.....", katanya sambil mendesah-desah dan mendesis-mendesis keenakan...

Itilku kembali bertumbukan nikmat dengan tulang selangkang Mas Har... Nikmatnya sudah sampai mneggeletarkan segenap perasaanku, membuat perasaanku semakin menyatu dan terikat kuat dengan perasaan Mas Har..... inilah arti sesungguhnya persetubuhan....

Kuatur kecepatan pacuan kuda-kudaan ini, sehingga kenikmatannya bisa kukendalikan, sementara Mas Har terlentang dengan tenang, makin didekapnya kedua buah dadaku, diremas-remasnya, dipilin-pilinnya, diremas-remas lagi... membuatku kembali ingin mencapai puncak kenikmatan.... kukejangkan seluruh anggota tubuhku.... Mas Har sudah mulai mengerti bahwa aku akan mencapai puncak.....

"Keluar lagi ya, Mbak?" tanyanya.....

“Ya..!! ...sssssshhhhh...” desahku kencang.

.....serrr... serrrr... serrrrr.... kembali cairan hangat vegieku tertumpah lagi.... kelelahan aku rasanya...... lelah tapi enaaak....

Aku melepaskan penisnya dari lubang vegieku, kekeringkan vegieku dengan dasterku supaya peret lagi... Mas Har melihat pemandangan ini dengan wajah lugu, kuberi dia senyum manis....

"Saya sudah capek, Mas.... Gantian dong... Mas Har sekarang yang goyang, ya?"

Sekarang aku mengambil posisi menungging di pinggir ranjang..... Mas Har kuminta berdiri dan menembakkan rudalnya yang super-keras dari belakang,

"Yang ini gaya ******-anjingan, Mas..... tapi jangan salah masuk ke lubang pantat ya... pas yang di bawahnya yang merah merekah itu, lho ya...."

"Kalau di lubang pantat katanya lebih enak, Mbak Sari?" tanyanya lucuuuu....

"memang lebih enak untuk laki-laki, tapi tidak untuk perempuan..... itu kan namanya tidak adil, Mas.... Lagipula lubang pantat itu kan saluran untuk tai, kotoran yang kita buang, itu tidak sehat namanya, bisa kena penyakit aids, Mas.... Aids itu mematikan dan tidak ada obatnya lho, hiiii.... seremmmm...."

Mas Har memasukkan penisnya pelan-pelan ke lubang vegieku dari belakang sambil berdiri di pinggir ranjang, pelan-pelan sekaliiiiii..... seolah-olah dia takut kalau sampai merusakkan lubang nikmat ini..... aku tahu sekarang.... Mas Har sangat sayang padaku, sehingga tingkah-laku persenggamaannya pun melukiskan betapa besar perasaan cintanya pada diriku....

"Aaaaahhhhhh....", aku mendesah sambil merasakan hujaman penisnya yang kembali menembus vegieku, demikian juga dengan Mas Har... dilingkarkannya tangan kirinya di perutku, sedang tangan kanannya meremas tetekku...... Dia mulai menggoyangkan penisnya maju mundur.... blep-blep-blep......aduuuuhhh..... mantapnyaaaa...... tenaganya sangat kuat dan berirama tetap...... membuat aliran-darahku menggelepar di sekujur tubuhku.......

"Enaaaak, Maaaaasssss.......", lagi-lagi kukejangkan seluruh anggota tubuhku sambil kukeluarkan lagi cairan hangat vegieku kesekian kalinya...... puaaaasssss sekali tiada taranya.......

"aaaaaahhhhhhhh..........", lenguhku........

"Lap dulu dong, Mbak Sariiii..... becek sekali nih...." pintanya.....

Kuambil dasterku dan kuserahkan padanya...... segera dia mengeringkan vegieku dan juga penisnya yang basaaaah tersiram cairan hangatku.....

"Mbak, aku sudah hampiiiirrr keluaaaarrr....." desahnya membuatku semakin terangsang......

"Tembakkan saja, Massss........"

Tembakannya masih sekencang yang sebelumnya...... sampai vegieku penuh dengan air-pejunya yang ekstra-kental itu.......

"Aaaaahhhhhhhh......." Mas Har berteriak keenakan...... demikian juga dengan aku, kukejangkan tubuhku dan kusiram lagi penisnya dengan cairan hangat kenikmatan vegieku......

"Aaaaaaahhhhhhh, Massss Harrrrr........ Mbak Sari cintaaaaa banget sama Mas Har......."

"Aku juga Mbak..... selain Mbak Sari, tidak ada perempuan lain yang aku cintai di dunia ini .....", aku tahu kata-kata ini sangat jujur.... membuatku semakin menggelinjang kenikmatan......

"Terima kasih Mas Harrrrrr..... untuk cinta Mas Har yang begitu besar kepada saya....." Dengan tanpa melepaskan penisnya, Mas Har dengan hati-hati dan penuh perasaan menengkurapkan tubuhnya di atas tubuh telanjangku.... dan aku kemudian meluruskan kakiku dan tubuhku mengambil posisi tengkurap..... dengan Mas Har tengkurap di belakangku.....

Mulutnya didekatkan pada telingaku.... nafasnya menghembusi tengkukku.... membuatku terangsang lagi......

"Enaaaak dan puassss sekali, Mbak Sari..... Apa Mbak Sari juga puas?"

"Tentu, Mas Har..... dari pagi tadi sudah sembilan kali vegie saya memuntahkan air hangatnya..... Pasti saya puasssss bangettt, Mas!"

"Terima kasih, ya sayaaaang...... aku ingin setiap hari bercinta dengan Mbak Sari seperti ini......."

"Boleh, Massss.... saya juga siap kok melayani Mas Har setiap hari..... kecuali hari Minggu tentunya..... Ibu dan Mbak-mbak kan ada di rumah kalau Minggu...."

Mas Har melepaskan penisnya dari lubang vegieku, aku segera mengambil posisi terlentang, dan Mas Har pun merebahkan dirinya di sisiku....

am dinding sudah menunjukkan jam 10.40...... sambil berpelukan dan berciuman erat, kutarik selimut untuk menutupi tubuh telanjang kami berdua... dan kami pun tertidur sampai siang.....

Sudah hampir jam satu ketika aku terbangun, pantes perutku rasanya lapar sekali. Mas Har masih belum melepaskan pelukannya sedari tadi, rasanya dia tidak ingin melewatkan saat-saat nikmat yang sangat langka ini, bisa seharian bersenggama dengan bebasnya. Kucium bibirnya untuk membangunkan lelaki kesayanganku ini,

"Mas sayaaang, bangun yook, kita makan siang. Nanti abis makan kita bercinta lagi sampai sore...."

"Mmmm..." Mas Har menggeliat, "sudah jam berapa, istriku?"

"Jam satu, suamikuuuu.....", jawabku genit....

"Makan-nya di ruang makan, yok Mas, nggak usah pakai baju nggak apa-apa, kan pintu-pintu dan korden-korden sudah Mbak Sari tutup tadi...."

Dengan bugil bulat, kami berdua bangun dan berjalan ke ruang tamu, sambil Mas Har menggendong/mengangkatku ke ruang tamu.

"Edhian tenan, koyok penganten anyar wae....." kataku dalam hati.... ("gila benar, seperti pengantin baru saja")....

Selesai makan siang, Mas Har kembali menggendongku ke kamar, sambil kuelus-elus penis Mas Har yang sudah mengeras seperti batang kayu lagi.....

Direbahkannya diriku dengan hati-hati di atas ranjang cinta kami. Aku segera mengambil posisi memiringkan tubuh ke kanan, supaya Mas Har juga mengambil posisi miring ke kiri, sehingga kami berhadap-hadapan....

"Mas sayaaang, kita senggama dengan posisi miring seperti ini, ya....., lebih terasa lho gesekan penis Mas Har di dalam vegie Mbak Sari nanti," ajakku untuk membangkitkan rangsangan pada Mas Har....

Kami tetap berposisi miring berhadap-hadapan sambil berciuman kuat dan mesra. Kali ini Mas Har lebih aktif mencium seluruh wajah, tengkuk, belakang telinga, leher, terus turun ke bawah, payudara-kiriku kuisap-isapnya, sementara yang kanan dipilin-pilinnya lembut.....

Rangsangan ini segera membangkitkan birahiku. Mulutnya bergerak lagi ke bawah, ke arah pusar, dijilatinya dan ditiupnya lembut, kembali aku mendesah-mendesis nikmat, sambil jari tangannya mengobok-obok lembut lubang vegieku, mengenai itilku, menimbulkan kenikmatan yang hebaaaat..., kukejangkan seluruh tubuhku, sampai pingganggku tertekuk ke atas, serrrrrr.... kubasahi tangannya yang lembut dengan semburan cairan hangat yang cukup deras dari vegieku...

"Mas, masukkan sekarang, Masssss..... Mbak Sari udah nggak tahaaaannnn......", pintaku manja.....

Tetap dengan posisi miring-berhadapan, kubuka selangkanganku tinggi-tinggi, kugenggam penisnya dan kusorongkan lembut ke lubang kenikmatan.....

"aaaaahhhhhh......." lenguhan kami kembali terdengar lebih seru.... Penis Mas Har baru masuk setengahnya dalam vegieku, dimajukannya lagi penisnya, dan kumajukan pula vegieku menyambut sodokannya yang mantap-perkasa.....

"Mas sayaaaang... maju-mundurnya barengan, ya.....", ajakku sambil mengajari teknik senggama yang baru, kunamakan gaya ini "Gaya Miring", dengan gaya ini kami berdua bisa sama-sama goyang, tidak sepihak saja.....

Kami maju dan mundur bersamaan tanpa perlu diberi aba-aba.... rasanya lebih enak dibandingkan pria di atas wanita di bawah.... Kulihat Mas Har merem-melek, demikian juga dengan diriku, penis Mas Har dengan irama teratur terus menghujam-mantap berirama di dalam liang kenikmatanku..... vegieku mulai tersedut-sedut lagi, tanda akan mengeluarkan semburan hangatnya.....

"Aduuuuhhhh, Maaaaassssss, enaaaaakkkkkkk........", aku agak berteriak sambil mendesis.......

Air mani Mas Har belum juga muncrat, luarbiasa kuatnya kekasihku ini.....

"Ganti gaya, Maaaasssss.... cabut dulu sebentar....." ajakku lagi, sambil kuputar tubuhku, tetap pada posisi miring membelakanginya, Mas Har memelukku kuat dari belakang, sambil meremas lembut kedua tetekku, kuangkat kakiku sebelah, dan kuhantar lagi penisnya memasuki vegieku......

"aaaaaaaaahhhhhhhhhhh.... enak, Mbak Sariiiiii......., gesekannya lebih terasa dari yang tadiiiiii....." Mas Har mendesah nikmat.....

Kali ini aku hanya diam, sedang Mas Har yang lebih aktif memaju-mundurkan penisnya yang belum muncrat-muncrat juga air-maninya......

......Sudah jam setengah-tiga, hampir satu jam dengan dua gaya yang baru ini......

"Mbak Sari, siap-siap yaaa.... rudalku hampir nembak...."

Kupeluk erat guling, dan Mas Har semakin mempercepat irama maju-mundurnya......

"Aaah, aaah, aaahh...." Mas Har mendesah sambil mengeluarkan air maninya dengan tembakan yang kuat-tajam-kental bagai melabrak seluruh dinding-dinding rahimku..... setrumnya kembali menyengat seluruh kujur tubuhku.....

"Aaaaaaaa........." aku berteriak panjang sambil kusemburkan juga air vegieku......

Tenaga kami benar-benar seperti terkuras, getaran cinta kami masih terus terasa..... tanpa melepaskan pelukan dan juga penisnya, masih dengan posisi miring, kami tertidur lagi beberapa menit... sampai semua getaran mereda......

am tiga sudah lewat.... berarti masih bisa satu ronde lagi sebelum Ibu Sum dan kakak-kakak Mas Har pulang dari kerja.....

"Mas, bangun, Mas.... sudah jam tiga lewat..... saya kan mesti membereskan kamar ini, mandi dan berpakaian sopan seperti biasanya bila ada Ibu....."

"Mandi bareng, yok..... di sini aja di kamar mandiku, ada air hangatnya kan?" ajaknya....

Dicabutnya penisnya dari lobang vegieku yang sudah kering, aduuuhhhh enaknya...... Aku pun segera bangun dan menarik tangannya, Mas Har bangkit dan memelukku, menciumku, menggelitiki tetek dan vegieku, kembali birahiku naik..... Sampai di bawah kran pancuran air hangat, kami berdua berpelukan, berciuman, merangkul kuat.... Dengan posisi berdiri kembali penis Mas Har mengeras bagai batu, segera kurenggut dan kugenggam dan kumasukkan lagi ke vegieku. Dengan tubuh basah disiram air hangat dari pancuran, dan tetap dengan berdiri, kami bersenggama lagi...... bagai geregetan, Mas Har kembali menggerakkan penisnya maju-mundur, sementara aku bagai menggelepar memeluk erat tubuhnya yang perkasa.....

"Mas, sabunan dulu, ya sayaaaanggg....", tanpa melepaskan kedua alat kelamin kami, kami saling menyabuni tubuh kami, khususnya di bagian-bagian yang peka-rangsangan....

"Lepas dulu, ya sayaaanggg.... kuambilkan handuk baru untuk kekasihku.....", Mas Har melepaskan tusukannya, menuju lemari pakaian, dan diambilnya dua handuk baru, satu untukku satu untuknya... Selesai handukan, aku bermaksud mengambil dasterku untuk berpakaian, karena kupikir persenggamaan hari ini sudah selesai.....

"Eiittt, tunggu dulu, istriku..... Rudalku masih keras nih, kudu dibenamkan lagi di liang hangat cinta kita......"

......Edhiaaan, mau berapa kali aku orgasme hari ini..... kuhitung-hitung sudah 12 kali aku menyemburkan air vegie sedari pagi tadi......

Aku mengambil posisi sederhana, terlentang menantang... biar Mas Har menindihku dari atas.....

Kami bersenggama lagi sebagai hidangan penutup..... dengan "Gaya Sederhana" pria diatas wanita dibawah, melambangkan kekuatan pria yang melindungi kepasrahan wanita.... Mas Har terus menggoyang penisnya maju-mundur.....

Kembali aku akan mencapai puncak lagi, sedang Mas Har masih terus dengan mantapnya maju-mundur begitu kuat.....

"Mas Har, Mbak Sari sudah mau keluar lagiiiiii......", kukejangkan kedua kakiku dan sekujur tubuhku.....

"Mbak, aku juga mau keluar sekarang......", dalam waktu bersamaan kami saling menyemprotkan dan memuncratkan cairan kenikmatan kami masing-masing......

"Enaaaaaaaaaaakkkkkkk, Mas Haaaaaarrrrrr......."

"Puaaaaassssss, Mbak Sariiiiii.........."

Mas Har langsung ambruk di atas tubuh telanjanganku, waktu sudah hampir jam empat..... semua sendi-sendiku masih bergetar semuanya rasanya.....

"Mas, sebentar lagi Ibu pulang, Mbak Sari mau siap-siap dulu ya, sayaang..."

Mas Har segera bangkit sekaligus mencabut penisnya.... "Hari ini adalah hari yang paling luar-biasa dalam hidupku, Mbak Sariii... Bagaimana aku akan sanggup melupakannya?"

Kupakai dasterku, kukecup lagi kedua pipi dan bibir Mas Har.... segera aku lari menuju kamarku, membersihkan air mani Mas Har yang masih menetes dari lubang vegieku yang agak bonyok.....

Kukenakan celana dalam, rok dalam, beha, rok panjang, dan blus berlengan panjang, rambut kusisir rapi, kusanggul rapi ke atas.... semua ini untuk "mengelabui" Ibu Sumiati dan kedua kakak Mas Harianto, untuk menutupi sisi lain kehidupanku sebagai seorang Ratu Senggama.

Demikianlah... selanjutnya hari-hariku selalu ku isi dengan persenggamaan yang kian hari kian liar, kian panas, dan kian bervariasi dengan Mas Har, pangeran cintaku yang tampan dan perkasa. Pertempuran kami berlangsung di banyak tempat di seluruh penjuru rumah... bahkan tak jarang Mas Har sengaja mencegatku di saat-saat aku berbelanja keperluan bulanan di Pasar Kota. Hotel dan Losmen yang ada di kota selalu menjadi tempat persinggahan kami untuk menuntaskan dendam birahi kami...
Hanya saat Mas Har harus kuliah dan saat dia mengantar hasil job-job sampingannya saja yang dapat menunda pertempuran kami...
Mas Har memang ngotot mengambil job sampingan yang bisa tetap dikerjakan di rumah, karena dia ngotot ingin menabung supaya bisa membeli rumah sendiri dan membiayai kehidupannya kelak dengan calon istri tercintanya....... aku.

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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. 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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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