 In
need of an unsecured loan, signature loan, small business loan or
personal loan? Our lending programs are available nationwide. America
One helps clients finance Millions in loans every year. Start-up
businesses are accepted and no business plans or financial statements
are required. Customized financing programs are available to fit almost
any small business related or personal financial need. Our Quick Loan
Process will help you to dramatically increase your chances for the
approval of your unsecured loan.
Our specialty finance product is a Signature Loan that
can be used for any purpose, with no collateral required. Your
loan approval is simply based upon our expertise and your current credit
standing. Whether you are seeking a no collateral loan or a
personal loan we understand the needs of our clients and are
committed to making the financing process as simple as possible.
If you are seeking a small business loan or new business loan, you
probably already know that most banks won't even speak to you about
lending money until your business has reached the point to where you no
longer need their help. Fortunately, we can help you now! Pre-qualified
applicants can receive funding from $10,000 to $150,000+.
Our clients have complete freedom to use their funds however
they desire. Most lenders traditionally will require you to submit a
specific plan for how you plan to use your loan proceeds and often times
require progress reports before the release all of the funds.
We welcome the opportunity to show you how effective we are at
helping our clients obtain the money they need to succeed. Our
professional staff is available for a Free Consultation. First review
our credit requirements and the benefits of our programs. To Get
Started, click on the signature loan service most suitable for you below
or from our left hand menu.
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What are the three `c's`?
Traditionally bankers look at what are called the three `c's`:
character, credit and collateral. Character means more than not having a
criminal record. It means that the banker feels confident that you are
not going to suddenly disappear for parts unknown if the business runs
into trouble. Specifically bankers like to see ties to the community
such as long residence, family ties, and home ownership. A clean credit
history is important. A couple late credit card payments shouldn't be a
factor, but missing mortgage payments for three months in a row will
require a good explanation. Bankers like good character and good credit,
but they live for solid collateral. Equipment, buildings and
trucks--that's the kind of stuff that bankers really like for
collateral--solid value and likely to be worth a lot even if the
business goes bust. Inventory, raw material and goods are second choices
for collateral--they will lose their value more quickly than fixed
assets but still be worth something.
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Hard to Get Cleveland Indians Baseball Tickets but easy for you.
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Use some left over cash for some Canucks Tickets.
Buy and Sell Pacers Tickets. Take your clients with courtside Celtics Tickets or Bulls Tickets. Jonesing for Basketball Tickets?
Grab those courtside New York Knicks Tickets today! How about some college hoops action? Get some UCLA Bruins Basketball tickets today.
Can you get a business loan?
The criteria for business loans varies much more widely than for
consumer loans and often varies quite a bit from one banker to the next
at even the same bank! However here are some rules of thumbs to give you
an idea of your chances of getting a loan.
Getting a loan for a new business is tough
Fixed assets such as machinery or buildings can almost always be
financed
Current assets such as inventory or goods in process increase your
loan chances
2+ years of profitable operation greatly increases your loan chances
The larger the owner's investment in the business the better your
chances of getting a loan
Loans to small corporations will often have to be personally
guaranteed by a shareholder
It is difficult to get loans to offset operating losses
It is usually possible to get a loan to modestly expand a profitable
business
There's More
Baseball Tickets
Breeders Cup Tickets
College Football Tickets
Concert Tickets
Final Four Tickets
Football Tickets
Grand Prix Tickets
Hockey Tickets
Kentucky Derby Tickets
Las Vegas Tickets
MLB All Star Game Tickets
Masters Golf Tickets
NASCAR Tickets
NBA All Star Game Tickets
NFR Tickets
NHL Tickets
National Finals Rodeo Tickets
Olympics Tickets
Opera Tickets
Rodeo Tickets
Rose Bowl Tickets
Ryder Cup Tickets
Soccer Tickets
Super Bowl Tickets
US Open Tennis Tickets
Kentucky Derby Tickets.
Pistons Tickets.
Wizards Tickets.
Pacers Tickets.
Bulls Tickets.
Basketball Tickets.
How to get the bank's money, even when the bank says `no!`
Banks have much more lenient standards for lending to consumers than to
businesses. So what you can do is borrow the money from the bank as a
consumer and then turn around and personally invest the funds in your
business. Just make sure that you never lie how about you are going to
use the proceeds on a loan application. For example you could apply for
a home equity loan to tap any available equity in your house. Then take
the funds and invest them in your business. The bank feels safer because
their statistics show that home equity loans or much more likely to be
repaid than loans for brand new businesses. No equity in your home?
Maybe you can get a car loan?
Getting an appointment with a bank
Don't just show up in person--first make an appointment by phone. Ask
the receptionist in the bank or the loan department for the name of the
appropriate person who would handle your loan request. Of course it
would be better, but not necessary, to get a referral from a friend or
advisor such as your lawyer or accountant. When you get the name of the
appropriate loan officer simply ask for an appointment. Don't offer any
more details over the phone, unless the loan officer requests them. The
more details you offer over the phone, the greater the chances you won't
get the appointment at all. Sound confident. Sound matter of fact. Sound
like you don't even need the money... that's the kind of person that
loan officers like to lend to.
For More
information on Business Plans you may want to get a copy of the
book "Adams Streetwise Business Plans" (430 pages, $17.95, Adams Media
Corporation). This book includes complete sample business plans;
detailed step by step instructions for writing a business plan;
suggested text for each step of the business plan; instructions and
worksheets for creating complete financials.
Click here to
find out more or order
http://www.businesstown.com/planning/creating-bank.asp |
