Business Opportunity Loan Strategies for Buying a Business

When obtaining a business opportunity loan, borrowers will discover that many lenders simply do not provide business loans that do not include real estate as part of the business purchase. There are several other important business financing issues to analyze prior to buying a business without commercial property.

Interest in buying business opportunity investments has improved because of serious problems with residential real estate. However, because there are so many critical differences between financing residential real estate and business financing, it is important for potential business owners to educate themselves before proceeding.

In order to buy a business, a commercial borrower is likely to need business financing. If the business includes commercial real estate, the borrower will need a commercial mortgage. If the business purchase does not involve real estate, a business borrower must use a business opportunity loan.

Unfortunately the availability of business opportunity financing is more restricted than commercial real estate financing. There are also some potential limitations and problems unique to a business opportunity loan, and commercial borrowers should make every effort to avoid these business financing difficulties.

Our goal here is to focus on several financing issues that you should anticipate when commercial real estate is not part of the business purchase. Our suggested approach to business opportunity financing is provided below.

Begin your business opportunity investment financing plans by formulating a realistic assessment of cash available for a down payment and desired maximum business purchase price. A down payment of about 25% is suggested for most business financing situations described here. Usually seller financing is permissible for a portion of the down payment, but a potential buyer generally needs to plan on investing at least 10% of the purchase price from their own funds even if the seller is providing 15% or more.

Because Small Business Administration loans are essential for this kind of financing, you should explore whether you will in fact be able to qualify for these specialized business loans. This step is both important and somewhat complicated, and the involvement of an SBA loan expert is strongly advised. Among the issues to explore are whether collateral is available for SBA financing and how important refinancing is to your overall business opportunity financing process.

It is important to consider the lease terms which are possible. As noted previously, business opportunity financing and investing does not involve the purchase of commercial real estate, so arrangements must be made for a long-term lease. The length of the lease is important because the normal business finance terms will restrict the length of business financing to the period covered by the lease (although you should anticipate a ten-year maximum for investment business loans). In other words, with a seven-year lease, the commercial loan is likely to be for seven years, and even with a fifteen-year lease, the commercial financing will probably expire in ten years.

Explore whether including real estate is a viable option or not in order to buy a business. With the inclusion of commercial property, you can obtain a longer business loan and the interest rate will be lower. Because the absence of a commercial mortgage can actually be an advantage, the improved terms possible by including real estate should not be looked at in isolation.

Discuss business finance options with a business opportunity loan expert before making any offers to buy a business investment. These discussions should include issues such as potential purchase price, down payment possibilities, seller financing, buyer credit scores, tax return requirements and collateral options.

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Why Don’t Attorneys Like Our Debt Workout Strategies

We talk with our clients’ attorneys all the time. Frequently, clients want the “ok” from their trusted legal advisors to engage in our strategies. Our strategies for stripping off debt and reducing personal guaranties are creative business strategies and sound similar to various legal strategies, however, let me be very clear: there can be no victory in a workout if one is following a legal line of defense or, heaven forbid, an offensive strategy. The personal guaranties as well the commercial liens prevent any possible workout conclusion if left in the hands of attorneys following traditional legal strategies.

This is not the fault of the attorneys at all as this has nothing to do with legal skill or competence, it is simply recognition of the fact that attorneys think legally, and legally speaking, there is no exit strategy or option. Therefore, from a legal analysis, our strategies will fail. I agree, if evaluated from a legal point of view, especially when considering an SBA guaranteed loan in default, as the banks are charged with exhausting their legal remedies in converting the collateral to cash. In other words, their marching orders to their lawyers are foreclosure and liquidation of the assets and then pursuit of the guarantors. It is both easy and appropriate for lawyers to apply typical legal standards and find fault with our strategy from a legal perspective. This is what they are trained to do.

What they do not get is that we are proffering a business strategy, controlled by different standards, guidelines and objectives, outside of the personal guaranties and other legal anchors hung around the defaulting borrower’s neck. We avoid these traps and issues all together as if they were not there and certainly not controlling us.

We can accomplish goals and reach objectives through a business path impossible to achieve if attempted from a legal position and strategy. Lawyers occasionally see our strategy as a failing strategy because it would fail if attempted with a legal procedure. Their reluctance to support our efforts is therefore understandable, as few lawyers can envision our strategies with a business eye; their legal vision does not work in these situations.

Of course, there are many attorneys-the majority-who see the clarity, power and effectiveness of our strategies and support us completely. Those that are controlled by their legal vision and who fail to see our strategy from a business point of view cannot lend support. It’s unfortunate for their trusting clients… what other choice do they have?

Wedding Party Planning Dos and Donts

Do you know what it takes to pull off the perfect summer wedding? How to make sure that your guests leave your wedding with nothing but wonderful memories? Learn everything you need to know in these summer wedding dos and don’ts.

Do: Provide shelter. Let’s face it, summer can be hot, hot, hot! Despite that, it is also the most popular season for outdoor weddings. If you are planning to have an outdoor ceremony or reception, you owe it to your guests to provide them shade from the sun’s rays. Set up your ceremony seating in the shade of trees and put a tent over the reception tables. Everyone will enjoy your wedding a lot more if they are not hot, sweaty, and sunburned.

Don’t: Think that a summer wedding must have a beach theme. Sure, if you are getting married by the sea, you might want to go with a beachy or nautical motif for your decorations, bridesmaid jewelry gifts, and wedding cake. But if you are having your summer wedding in a landlocked location, why not explore the many other wonderful themes that are available? You could have a Great Gatsby lawn party, a vintage Americana barbeque, or a romantic garden wedding. By choosing something other than the default beach theme, you will make your wedding more unique.

Do: Choose breezy wedding attire. A heavy satin bridal gown on a July day? Forget it! You will look more seasonal and feel more comfortable in a gown made of softly flowing layers of chiffon or a lightweight silk organza. The same goes for your attendants. Why make them suffer in satin or taffeta when they could be cool and fresh in a crisp polished cotton or organza dress? Even the bridal jewelry and bridesmaid jewelry can be lightened up by choosing an airy tin cup necklace or a pendant over a full strand of pearls.

Don’t: Let your wedding cake melt. A buttercream or whipped cream frosting will turn into a runny mess on a hot summer day. Fondant will hold up better in the heat, and even that needs to be protected from direct sunlight. In some cases, it is best to bring out the cake shortly before serving, rather than leaving it on display for hours. If you are having an indoor reception, be sure that the cake will not be displayed in front of a sunny wedding for the same reasons.

Do: Embrace the lighthearted spirit of the season. A summer wedding is the perfect excuse for a great party, and there is no need to be too serious. Feel free to do something fun like decorate with vivid colors, wear a short wedding dress, or have an ice cream truck at your wedding reception. It will make your summer wedding a wonderful experience that everyone will always remember.

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Owner Builders 3 Little To No Down Payment Strategies For Building Your Custom Dream Home

This article has quite an attention grabbing title if I must say so myself! For some it may sound too good to be true to think that you could actually build that 4,500 sq. ft. custom Tudor style home on 2 acres that you have been dreaming about for the last 10 years without needing a mint to do so! Since 1999 I have made my living crafting little to no money down financing solutions for Owner Builders and homebuyers so I think my experience qualifies me to advise on this subject.

Despite the headlines and news media reports that all talk about the death of the Little to No Down Payment loans there are still plenty of great financing deals to be had! In fact, if you were to take the medias advice you would probably sell anything related to real estate and commit yourself to renting for the rest of your life. (However we all know that would be the epitome of stupidity!)

Soap box aside, I want to take these next few moments and share a few strategies that you can use to finance and/or secure Construction Loan financing for your Custom Dream Home with Little to No Money Down! So let’s jump right into it…

3 Little to No Money Down Strategies for Securing Construction Loan Financing for your Custom Dream Home

  • Look for Motivated Sellers who are willing to owner finance the lot or home site to you. When researching for potential lots to build your Custom Dream Home always keep an eye out for signs and/or sellers who will Owner Finance their property to you. Generally there are (2) reasons why people will finance property like this: a. they have not been able to sell it for whatever reason and they really need to sell at all costs b. they don’t really need the money from the proceeds (for tax purposes possibly) and would rather a monthly income stream Regardless of what their motivation is for offering and/or being willing to finance the purchase of the property, your primary concern is does the home site work for you and your family? Provided it does, you now have the workings for a Little to No Money Down deal. Before you get too excited, their willingness to Owner Finance is only step one of a multi step process because the next consideration is the price! It does you no good to have the owner finance the property but they added a premium to the price for offering the Owner Finance option. The second major consideration is whether you can negotiate a very small down payment with them! With the seller financing the deal and the negotiated lower price you are now positioned to minimize your upfront cash needed to secure your construction loan. Provided you are able to do both of these “you are now cooking with grease” as my grandmother used to say!
  • Negotiate with the seller to do a subordination agreement. You know I must really like you to share this particular strategy with you as this is one of my “goldmine ace in the hole” strategies that can literally be the difference between you being able to do your deal or not! In a nutshell, this subordination agreement is a document that simply says the seller (owner of the land/lot/home site) will subordinate or allow their lien (the money you owe them for the home site) to be put in the 2nd lien position behind the construction loan. With this agreement in place, you can now use the entire value of the lot (minus the amount owed) as down payment for your construction loan! HUGE! So now, you can secure your construction loan, build your Dream Home and by the time you complete construction everyone gets paid including the landowner! I can’t restate how powerful of a technique this is especially in this buyer driven real estate market. The biggest risk to the landowner is that you won’t complete the construction of your home so it is imperative that you have a good solid reputable builder and/or construction management team in place to ensure you get the home completed without a hitch.
  • Securing a good design-build firm to perform a turn key home construction job for you! I don’t mean to sound vain but these are REALLY some powerful money-saving tips that most people starting an Owner Builder Custom Dream Home project simply have no clue about whatsoever! Back to the tips. A design-build firm is kind of like a one stop shop for someone wanting to build a home. Most firms consist of a builder or construction manager who also designs and/or draws home plans or works directly with an architect and the other people needed to go from concept to execution. In essence, when you are dealing with a good design-build firm you can walk in the door with clippings from a magazine, a home brochures and some photos and leave with a set of plans that are ready to build and the team of people who will do the building for you! Now before you haul off and call every design-build firm in town there are several things to consider and know as many design-build firms can be fairly expensive so there are very specific strategies and details to properly structure your project. But for the sake of brevity, let’s focus on the little to no down payment aspect of working with these firms. So the high-level plan goes like this. You engage a design-build firm to build your Custom Dream Home and most require an up-front retainer. This retainer is based on the size and scope of your project and is a percentage of what your normal down payment would be. After retaining (hiring) the firm, provided you have found a good firm, they can literally turn key your home all the way through to execution. By turn key I mean they can handle everything from taking your ideas and photos, create plans, get them permitted and build them! A good firm will either have in-house people or affiliated relationships with (engineers, architects, surveyors and plan runners) everyone else needed so that your project could get through creation, design, permitting and to construction by meeting with one person! Awesome! Now the difference is that if you were not working with a design-build firm you would have to find and pay each of the above listed individuals for their services as they perform them which could add up to thousands of dollars, all before you even have a permit or approval to build the home!

As you can see this strategy has the potential to create HUGE savings financially and can literally eliminate a great deal of stress from the whole process of building a Custom Dream Home! Well I hope that your mind has been expanded and I trust that you really consider these strategies. I am sorry that I did not have the time or space to dig into each one of these more in-depth as each strategy deserves a full length explanation of the proper application and how to best use it. As evidenced by this article, the key to a successful Custom Dream Home build is the “team” of professionals you have working on your behalf, their experience can and will literally save you thousands and thousands of dollars!

In closing, I wish you the best on your Custom Dream Home that you hopefully finance with Little to No Down Payment!

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Hard Money Loans

Hard Money Financing:

Basically, the plus point of a hard money financing is it can be accessible at the time when the other funding services of the banks are closed for you. Thus, it is the best funding alternative when all the other doors are closed for you. In a more business-oriented vision, in the field of real estate, hard money funding is secured by the properties you own. You can avail the loan by the property and you can purchase another property with the money you are getting from the loan.

Property Types for Hard Money Loans:

There are several sorts of property that you can bring into play when the hard money financing is concerned. Those properties include commercial property, multifamily residential property, or single family residences. Generally, the lenders of this particular category consider this kind of lending as the form of investments for their future specialization in that particular property. You need to keep in mind that the lenders do not have any interest in the property you are going to purchase with the money. Instead, they will be eager to see what you are keeping as collateral. So, keeping an eye on whether the specialty matches your property.

While talking about the kinds of properties, you should be aware of the property from which lenders normally shy away. The owner-occupied residential property is something which doesn’t penetrate the lenders because this property adds some additional hurdles to acquire the property. Since the lenders want an easy access to the collateral in case the users fails to complete the repayment process, they tend for the easier collateral option.

How to use:

Suppose you own multiple properties and some of them are on the verge of a sale but suddenly you get an amazing offer of purchasing a new property. You cannot help leaving the property because already all your money is stuck somewhere else. Then the importance of hard money funding arises. You can avail a loan and acquire the property and after the pending sales are done you can quickly pay the loan back.

Without the above, you can take the loan to renovate your existing property to make it more attractive. If you are quite certain that after the property gets sold, you will get a handsome amount or the renovation can play the role of the catalyst in the process, availing the loan is not a bad thing to do.

Benefits and advantages:

There ample of advantages which can make you feel like the king. Though there are some disadvantages as well, but overall, you can find the loan program as a reliable source of funding when you want the money badly.

1. Urgency:

This is the most significant benefit what the loan can provide. If you want the money in a week or an instance like that, you certainly will not get it from anywhere else. The hard money funding can make you avail with the money without taking the countless time.

2. Lack of Criteria:

The most relaxing part of this loan is the lack of criteria it has. If you want another loan service, it will give you a list of things which is needed for the success of the loan but hard money will need just the real estate property to give you the money.
These are the entire story behind the hard money financing. You just need to check what the real requirements that you have. If you find the requirement urgent and own a real estate property, don’t hesitate to get the loan.

Cash Advances and Credit Card Processing Strategies

We are highlighting ten key difficulties to avoid when seeking business cash advances and working capital using credit card processing. It is especially important for business owners to realize that it is not necessary to accept any of the ten credit card factoring problems.

Credit card processing and small business loan strategies are closely connected in many ways. Business owners should not overlook the substantial working capital benefits which will accrue to their business by effectively coordinating credit card factoring and processing. If the ten most common business cash advance problems can be avoided, the total business benefits will be maximized.

Even thriving small businesses frequently need more working capital than they can borrow from a bank. One of the most important commercial financing needs for any business is ensuring that short-term cash requirements are successfully met. This is frequently a difficult task.

The use of a viable business cash advance strategy has become an increasingly important business finance tool for many businesses faced with a potential short-term cash shortfall. There are a number of common problems (noted below) to anticipate and avoid when businesses use credit card processing to acquire working capital advances.

Most merchants have documented credit card processing activity and sales volume. Since up to $300,000 and more can typically be obtained using a business cash advance based on future sales, documentation of processing activity is a valuable financial asset.

Businesses should realize that there are several recurring problems that should be anticipated prior to using this strategy for working capital business cash advances. Ten common credit card receivables problems that business owners should avoid when employing this strategy are highlighted below.

First, many lenders will attempt to charge closing costs. Business owners should realize that this is an unnecessary transaction cost for business cash advances when dealing with a truly reputable provider of working capital financing based on credit card factoring.

Second, many lenders for these services also charge up-front fees. With the best programs there are not likely to be any up-front fees, and this is a transaction cost that can and should be avoided.

Third, many programs for business cash advances have collateral requirements. For business owners seeking credit card financing, this is an unnecessary requirement and should be avoided.

Fourth, some lenders will require financial statements and tax returns for all business cash advances. Such additional documentation requirements should only be necessary for larger working capital advances.

Fifth, monthly fixed payments to repay merchant cash advances are imposed by some providers. The preferred approach is to avoid such fixed payment requirements.

Sixth, some providers impose a fixed term for repayment. This requirement to pay off the business cash advance over a fixed term should be avoided.

Seventh, many business finance programs require businesses to have at least two years of operating history to qualify for working capital business cash advances. While many business owners can meet such a requirement, a more practical standard for newer businesses is a minimum of one year in business.

Eighth, most providers of business cash advances currently require credit scores of 680 or higher. For many business owners, this can be an insurmountable requirement in the current economic climate. It is feasible to obtain this kind of working capital financing with scores around 500.

Ninth, for merchants needing larger business cash advances, it will be disappointing to learn that many programs are limited to a maximum of $25,000 to $50,000. Providers that are better capitalized for this business finance strategy will be able to accommodate an advance of $300,000 and higher.

Tenth, quite a few programs require up to 24 months of credit card sales of $25,000 or higher. A more practical possibility for business owners will involve a transaction history with six months of $5,000 or more.

It would be unusual for all of the obstacles described above to be relevant for all businesses. Business borrowers are likely to experience several of these problems if they are considering a business cash advance that uses credit card factoring and credit card processing.

Can all ten credit card finance obstacles discussed above be avoided? There are indeed viable credit card receivables programs which avoid all of the problems described. For any business owner considering this approach to working capital financing, it is probably worth repeating that it is not necessary to accept any of these problems in order to obtain business cash advances based on future sales.

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Whether you have good or bad credit, we can connect you to an online lender for a payday or installment loan. If you need quick cash for help paying bills, emergencies, or anything else, complete our short application at Next Day Financial and you can receive your cash no later than tomorrow. If you’d like, your cash can be sent direct deposit for free! Banks may not approve you with bad credit, but we will with an instant online no credit check loan!