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How To Start or Expand A Business for $10,000 or Less Without Conventional Loans and Financing

January 30th, 2011 Comments off

How To Start or Expand A Business for ,000 or Less Without Conventional Loans and Financing

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Home Page > Finance > Loans > How To Start or Expand A Business for ,000 or Less Without Conventional Loans and Financing

How To Start or Expand A Business for ,000 or Less Without Conventional Loans and Financing

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Posted: Sep 13, 2009 |Comments: 0
| Views: 354 |

Starting a business and/or expanding one for less than ,000 without conventional loans and financing might be easier than you think. Many people are looking for ways to control their financial future due to this economic mess. Many Americans have either lost their job, have their pay reduced or think they are in danger of losing their job in the near future.

This economic recession is world wide and hasn’t discriminated. From banks and lenders, to Wall Street, to well known businesses, this recession has stripped Americans of not only cash flow or earnings but the equities they own in stocks, bonds, real estate and other investments.

Not only has unemployment rate has reached or exceeded 10% depending upon the state, the real unemployment, including part time and applicants not looking for a job anymore, the rates may have exceeded 20%. Many states have seen real estate loses up to 50% of their value since 2006. California, Arizona, Florida, New York and Nevada have gone through major job and real estate market changes.

In this recession, many lenders have tightened their conventional lending standards and have made it almost totally impossible to obtain financing. Additionally, if they will finance your project, the restrictions could be immense and monies available limited to economic times.

Additionally, startup businesses have more obstacles to overcome and therefore U.S economic growth and/or expansion has been limited.

What does this mean to the company employee, the business person and/or the established business. This recession has created a tremendous opportunity to start and/or expand a business for under a ,000 investment. The types of industries we will address include construction, trucking, transportation and all small business niches.

Since the lenders and banks have tightened their lending models, secondary lending markets have been created. The amount of repossessions and off lease products the lenders have taken back in this economic upheaval hasn’t been paralleled since the Great Depression.

Banks are sitting on repossessed real estate, construction equipment and trucking, transportation vehicles, medical, and tons of other commercial items that we will describe later….These lenders must move these inventories as quick as possible to free up cash flow and working capital. These lenders are working with local and/or regional dealerships, liquidators, auction houses and other qualified parties to move these inventories.

As part of the liquidation process, these lenders are offering easy qualifying to prospective start up and seasoned businesses in order to move these items. Easy qualifying can be in the form of the price and financing. We have seen minimum personal credit score qualifications as low as 500 with down payments starting at zero. In some lending markets, there are no credit check programs, no personal credit is pulled. This includes start up businesses as well..

Based upon this information, we have seen numerous examples of construction trucks, semi trucks, construction equipment, limousines, medical equipment etc being financed as low as a couple of thousand dollars down…Once again, this is based upon sub standard credit lending practices. .

The financing described above is in the form of leasing. The lender will lease the equipment, truck etc to the applicant, whether a start up or not, and offer a buy out option at the end of lease period. This buyout could be offered out at a .00, 10 %, 20%, fair market value etc…..Obviously, these buyout formulas will have an impact on the monthly payments.. These leases usually run from 24 to 60 months depending upon the age of the equipment being financed..

Lets recap at this stage, the most important investment step can be obtained with marginal credit, the down payment is minimal and now we have at our disposal a income producing asset……Lets review some numbers,

Cost of asset…………………… ,000

Amount of down payment………… 00

Lease Term………………………… 48 months

Estimated Monthly payment

Including taxes……………………..00

Residual Buyout ……………………..10%

Based upon these assumptions, we need to come with a small budget to project out our monthly expenses. , Gasoline, Telephone, Utilities, Product Costs, Insurance, Financing payment, etc. Each business is different but a budget is a budget to come up with monthly expenditures. Once we have come up with these monthly expenses, we need to look at the revenue stream. Whether it is based upon a signed contract, an estimate based upon projections, the revenue stream must cover the expenses to make sure the investment is worth it. The front money for these other expenses should be minimal, a deposit maybe for rent, insurance, utilities, etc should run around 00-5000 depending upon the business…….

Based upon the combination of the down payment on the asset we acquired, see above, and the monies required to get the business running, 00-5000, we are up and running for under ,000 without conventional financing.

The next question the start up or seasoned business is asking, is where are all these great items I can acquire without good credit. The answer is through contacting lenders for bank repos and off lease lists, internet search inquiries, contacting lease and financing brokers etc.

Check out internet through Google, Yahoo etc and enter off lease repos for sale, off lease semi trucks for sale, off lease construction trucks or equipment in the search entry area. You will find a starting point for the items for sale. The internet search for auctions and liquidators would be another great source of items for sale.

The internet is a great way to create and run a business. Not only can you find the right equipment, trucks, etc to acquire without conventional financing.The internet is a marketing highway to generate sales without another major investment. The following are ways to minimize your advertising through the following special methods:

Paid per Click, s, Article Marketing, Video Marketing, Social Bookmarking, Feeds, Forums, etc…

It is good idea that a website should be designed and updated monthly by a webmaster. The upfront costs on this area could run you 0-00. This website should be keyword intensive describing your business, services etc. Once this is established, then the marketing methods above can be utilized to drive traffic and generate sales from your website.

Even though paid per click isn’t free through Google, Yahoo, etc, it will automatically generate traffic to your website. The other traffic methods mentioned above can drive tons of traffic to your site for free. ( blogs, rss feeds, social bookmarking, forums and article marketing )

The search engines love good content to post on the left of their search engines for free. Good content is driven by matching keyword content, videos, press releases, to a well written and designed website. The search engines love videos and some are posted to their search engines for free within a hour of creation…….Check out this area, the cost is minimal.

The most important thing that this article is going to present to you is opportunity in a messed up economy to acquire a income producing asset. Bad credit can be worked around and minimum paperwork requirements for approval can be obtained.

Let’s look at real situations and industries we can obtain numerous items to start or expand a business for minimal amounts with marginal or poor credit…………

Check out these items which are not all inclusive

Minimum Down Payments, No Conventional Financing

Need to provide signed and dated lease application and the summary page of your last three months personal/business bank statements

START UPS ARE WELCOME

http://www.scribd.com/doc/19652234/How-To-Start-or-Expand-A-Business-for-10000-or-Less-Without-Conventional-Financing-

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Rick has over thiry years in the financial field, including leasing, working capital and hard asset money loans, and commercial lending

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How many miles in 10 000 steps ?
I have a high interest loan from a year and a half ago for 6,000 I would like to borrow 10,000 and payoff the high interest loan and use the 4,000 for a truck.I have fair credit is this possible
I started a medical billing Business in 2008 and deducted the Approx 00 in startup cost. The business failed in 2009. In 2010 I started a new business. Can I writeoff the 00 startup costs it?

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Wall Street Conventional Wisdom: Zero Taxable Gain Investing

January 27th, 2011 Comments off

Wall Street Conventional Wisdom: Zero Taxable Gain Investing

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Home Page > Finance > Investing > Wall Street Conventional Wisdom: Zero Taxable Gain Investing

Wall Street Conventional Wisdom: Zero Taxable Gain Investing

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Posted: Nov 24, 2006 |Comments: 0
| Views: 201 |

“First thing Monday morning I’m going to march into my boss’s office and demand a pay cut so that I’ll be in a lower tax bracket next year.”

Of course that’s ridiculous, but isn’t it about the same as the financial community’s “Conventional Wisdom” (CW) for year-end tax planning? What about the long-term nature of investing, or the merits of that investment they felt so strongly about in July? What are their motivations, and what discipline thought up these strategies in the first place?

Clearly there are many questions that require answers, but as investors, it should be crystal clear that the object of the investment exercise is to make money… just as much as possible, quickly, legally, and within a low risk environment. The faster it comes in, the more effectively it can be compounded. Otherwise, wouldn’t the “CW” be to find as many downers as uppers so that there are no tax consequences? Wouldn’t Zero Taxable Gain Investing be the only “smart” investment strategy? A December, 2004 New York Times Money Section article actually suggested that Investment Professionals had an obligation to lose money for clients in order to reduce the tax burden.

Your Financial Professional’s perspective may produce smart tax advice but only professional investors (not accountants, attorneys, stockbrokers, financial planners, advisors in general) should be called upon for acceptable investment advice. CPAs may look smarter if you have a lower tax liability, but many of them go too far with a calendar year focus that ignores the realities of an emotional and cyclical investment environment. Take last year’s Merck for example. It has nearly doubled in Market Value since you were told to sell it last November… who’da thunk it! Why didn’t you buy more (of this and many other high quality losers) instead of selling? Fortunately, not all professionals are into losing money. In fact, in nearly thirty years of dealing with hundreds of Accountants and other advisors, not even a handful have suggested that clients should take losses on fundamentally sound securities, Equity or Fixed Income. Just think if you had taken your dot.com profits in ’99, purchased the downtrodden profit making companies of the time, and paid the ugly taxes. The value companies didn’t crash. They’ve rallied for nearly seven years!

The key issue in considering a capital loss is the economic viability of the investment… not your tax situation! A key element of The Working Capital Model (for investment portfolio management) is to eliminate the weakest security in a portfolio every time the Market Value of the portfolio establishes a significantly new “All Time High” profit level (an ATH). My definitions may be different than those you are used to: (1) Profit = Total Market Value – Net Portfolio Investment, (2) A “weak” security is a stock that is no longer rated Investment Grade by S & P, or no longer traded on the NYSE, or no longer dividend paying, or no longer profitable. Income securities whose payout has fallen to way below average (or risen to an unsustainable level) could also be culled at an ATH. Securities that have fallen considerably in Market Value for no apparent reason (other than recent news or changing interest rate expectations) are referred to lovingly as “Investment Opportunities”. This is what you look for while trying to reinvest your profits… like last year’s MRK. By the way, switching from the strong asset class to the weaker one as a “hedging strategy” or vice versa (as a greed motivated speculation) is simply an attempt at “market timing”, not a “sophisticated” or “savvy” adjustment to your asset allocation. Asset Allocation is always a function of personal factors and never a function of asset class (Equities and Income Generators) directional speculation.

So what happens if a new portfolio ATH is achieved in February or August instead of in November or December? (Note that the financial community only preaches tax loss strategies during the last calendar quarter.) Should you unload all the weak issues at the same time, even those purchased just a few months ago? Management of your portfolio requires the disciplined application of consistent rules and guidelines, and every manager will develop his or her own style. But in a high quality, properly diversified, income generating portfolio, (1) the number of weak issues will generally be small and (2) the probability of escaping with only a minimal loss very real. Keep in mind two basic investment axioms: There is no such thing as a bad profit, regardless of the tax implications; and no matter how you may rationalize, there’s no such thing as a good loss. So, sure, if a loss should be taken due to an ATH in February, bite the bullet on the one security (only one) with the declining fundamentals (A Merrill Lynch/CNN/CFP opinion is not a fundamental.) If there are none, good job!

Profits are the holy grail of investing. Few people will admit just how infrequently they have experienced them or, conversely, just how frequently they have watched them disappear beneath the waves of a correction. (Like gamblers retuning from Vegas… no one ever seems to lose!) Similarly, most financial professionals will counsel their charges to let their profits run, particularly around year-end. Surely, speaketh the CW prophets, these profits will hang around until next year, thus deferring those terrible taxes! (Worked real well at year-end ’99, you’ll recall.) Don’t think for a moment that anyone knows what will happen this time around the rally pole, particularly in those ridiculously priced ETFs, which are put together with the same kind of spit and duct tape used for the dot.coms. Always take your profits too soon, because you can’t get poor that way!

First thing Monday morning I’m going to: (1) Call my accountant to tell him that I’m going to help him reduce his tax burden by not paying him, (2) continue to view the Investment process in cyclical rather than calendar terms, (3) limit my tax liability by how I invest, not by taking unnecessary losses, (4) continue to make as much money as possible, as quickly and safely as possible, and (5) contact the media, my political representatives, and anyone else I can think of that will help in the fight to abolish the taxation of all investment and retirement income.

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Steve Selengut

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http://www.valuestockbuylistprogram.com

Author of: “The Brainwashing of the American Investor: The Book that Wall Street Does Not Want YOU to Read”, and “A Millionaire’s Secret Investment Strategy”

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Wall Street Conventional Wisdom and Stock Market Corrections

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Home Page > Finance > Investing > Wall Street Conventional Wisdom and Stock Market Corrections

Wall Street Conventional Wisdom and Stock Market Corrections

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Posted: Nov 16, 2007 |Comments: 0

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