Category Archives: Cash Flow Loan

For a Cash Flow Loan, Small Business Loan Depot offers a unique cash flow loan based on the company’s gross sales. Since all business have sales, this allows almost all businesses to have an opportunity to qualify for a cash flow loan. Go to our features and benefits section to learn how you can solve your businesses cash flow needs. Call us at 919-771-4177 or Toll Free: 855-787-1113. While speaking with one of our specialists that have over 20 years + experience at Wells Fargo and Wachovia, they will help you find and understand which of our solutions will put your company on a better cash flow path today.

For this cash flow loan, businesses can use just their every day sales already on the books. Call today Toll Free at: 855-787-1113, or click on the “Contact Us” link in the menu bar above.

Businesses owners ask if they have significant cash flow and have demonstrated a lengthy past history of being able to amortize a long term debt, then why should they be denied based on limited collateral or unsatisfactory personal credit while have satisfactory business cash flow? Small business loans depot agrees and can provide a cash flow loan to your business today! If your business has the cash flow, we can assist you in getting money, quickly and easily.

The Cash Flow loan features:
– Tough credit? NO problem – program available for your credit profile
– Among the best qualification % of any business financing!!
– Every business has Cash flow, so every business has a strong chance to qualify
– Provide just the most recent 3 months business bank account statements
– One page application
– Quick turnaround, a one or two day approval time is very common
– Very high approval rates
– Use this cash flow loan to obtain $10,000 to $100,000 quickly and easily for
any purpose, such as business expansion, advertising, inventory needs,
adding additional employees, new lines of business – any purpose.
– Very difficult transactions done routinely
– Your request is handled by an experienced consultant.

Complete the “Contact Us” Mini App on the menu above, or call Toll Free: 855-787-1113. Your call is free and an experienced industry professional will guide you seamlessly through the process.

The time in business required for this cash flow loan is 9 months. Once the time in business is 1 year or more, higher loan amounts can be approved. Credit scores can be as low as 500 and deposit dollar totals can be as low as $10,000 per month and 5 deposits per month. This is a relationship product and the initial approved limits are increased rapidly as this line of credit style product is reused. Businesses are able to obtain more funding through this method than with a traditional loan. If a business is approved for a traditional loan for $50,000 for 36 months, then they can get far more in working capital through this cash flow loan. With this product, if the customer is approved for $25,000 for a 6 month term all they have to do is renew every 6 months and they would end up with a total of $150,000 over the entire 36 months, which is 3 times what they would have received with the other traditional financing.

Credit score requirements for the cash flow loan are approximately 500 and higher in many instances. As the credit score increases, funding amounts will increase and the terms will improve

Call us at Tel: 919-771-4177 or Toll Free: 877-787-1113 and use your regular monthly sales to get a cash flow loan today.

Frequently asked Questions:
Question: Do we qualify? Answer: If your business has cash flow, has been in business for at least 9 months with the same owner, your business has an excellent chance to qualify for $5,000 to $150,000 depending upon that Cash Flow
Question: Do I need to complete a lot of paperwork? Answer: No. You will only need a one page application and the most recent 3 months business checking account statements. In many cases, only the most recent one month’s business checking account statement is required.
Question: What can I do if I need more working capital again later? Do I have to re apply from scratch all over again? Answer: No. Once the line has been established, you are an existing customer with us, the type that we value the most. You will have a very easy time using the credit line over and over again. In most cases, you either only need to place a call to authorize more funding, or simply provide the most recent statements to qualify for another round of this cash flow loan.
Question: What if I have bad credit?
Answer: The approval is driven very heavily on the cash flow. Even if you have difficult credit, it is the cash flow of your business that will be the main factor in the approval of the line.
Question: What do you look at in the cash flow?
Answer: The monthly raw dollar amount of deposits, the number of deposits per month, and the average daily balance. The higher the average daily balance, and the more that is deposited per month, the higher the approval amount will be. The most recent three months will be looked at. If the cash flow trend is upward, a higher dollar amount cash flow loan will likely be approved compared to flat or declining monthly dollar figures.
Question: I had a recent bankruptcy in the last 2 years, does that disqualify me?
Answer: Not necessarily. It depends on how recent the bankruptcy was and how the cash flow has been since then. If the Bankruptcy is at least a few months old and the cash flow since that time has been strong, there is an opportunity for a line to be established.

SBA 504 Loan program – The SBA 504 loan program is an economic development loan program that offers small businesses business financing and also promotes business growth and job creation.   Through February 15th, 2012, $50 Billion in 504 loans has created over 2 million jobs……read more

Wyoming Chiropractor uses 504 loan program to expand Medical Office……read more

SBA Community Blog and Forum –  Blog and Forums by the SBA, Small business administration.   Questions can be asked and answers provided.

U.S. Department of Commerce – Helps american businesses become more innovative at home and competitive abroad.

U.S. Bureau of Economic Analysis – Provides statistics on consumer spending, corporate profits, travel and tourism and much more.

Entrepreneurworld – Resource for Entrepreneurs, including starting your own business, growing your business.

Bureau of Labor Statistics – Provides companies with up to date information on employment, demand, hiring, productivity and other information that may be useful to companies.

International Trade Administration – Creates jobs and economic growth by promoting U.S. companies abroad to governments in other countries.

More cash flow loan resources:

Department of Labor – Provides information on many labor issues that can be useful to companies, such as insurance, regulation, wages, wage hours, compensation, safety and health

U.S. Patent and Trademark Office – U.S. office to file patents to protect a companies new or existing proprietary products.

U.S. Trade and Development Agency – Promotes U.S. Exports to Foreign Countries, please review if your company is interested in exporting goods to foreign countries.

CEO Refresher – A monthly newsletter on creative leadership ideas. Short articles, brief book reviews, models, management tools, quotations and commentary.

E-Network for CEOs – Online articles and much more for CEO’s

Public Radio Planet Money – All issues money related to the public.

Market  Updates

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Would Seniors get Medicare cut post fiscal cliff

If we pass the fiscal cliff in December, would the Government cut Medicare payments to Seniors?

If we pass the fiscal cliff, there will only be very bad choices for the Government to make, and none of them will seem like the option the Government want to choose.   However, not funding Medicare will mean that Senior will be denied needed medical care and medical payments for care they need to receive and have received.    The fallout will last at least a decade if this happens.   Senior’s attitude about Government will fundamentally change, likely in the direction of assuring in the future that any means need to be taken to fund medicare.

Would Seniors get Medicare cut post fiscal cliff Resources:

SBA Community Blog and Forum –  Blog and Forums by the SBA, Small business administration.   Questions can be asked and answers provided.

U.S. Department of Commerce – Helps american businesses become more innovative at home and competitive abroad.

U.S. Bureau of Economic Analysis – Provides statistics on consumer spending, corporate profits, travel and tourism and much more.

Entrepreneurworld – Resource for Entrepreneurs, including starting your own business, growing your business.

Bureau of Labor Statistics – Provides companies with up to date information on employment, demand, hiring, productivity and other information that may be useful to companies.

International Trade Administration – Creates jobs and economic growth by promotingU.S. companies abroad to governments in other countries.

More would seniors get medicare cut post fiscal cliff resources:

Department of Labor – Provides information on many labor issues that can be useful to companies, such as insurance, regulation, wages, wage hours, compensation, safety and health

U.S. Patent and Trademark Office –U.S. office to file patents to protect a companies new or existing proprietary products.

U.S. Trade and Development Agency – Promotes U.S. Exports to Foreign Countries, please review if your company is interested in exporting goods to foreign countries.

CEO Refresher – A monthly newsletter on creative leadership ideas. Short articles, brief book reviews, models, management tools, quotations and commentary.

E-Network for CEOs – Online articles and much more for CEO’s

Public Radio Planet Money – All issues money related to the public.

Thank your for visiting our would senior get medicare cut post fiscal cliff resource page

Would Social Security not get paid post fiscal cliff?

Would Social Security recipients not get paid in a post fiscal cliff world?   Not likely, thought prospect of it is still in the cards, even if the Government does not want to go there.

The Government would almost certainly pay interest in it’s debt, otherwise the credit rating would nosedive in a hurry and future borrowing would skyrocket.    The Government knows that Seniors would be in a massive panic if their checks were interrupted.   It would be a public relations disaster.   Many seniors have no other sources of income and are not able to seek other employment.

Would Social Security not get paid post fiscal cliff Resources:

SBA Community Blog and Forum –  Blog and Forums by the SBA, Small business administration.   Questions can be asked and answers provided.

U.S. Department of Commerce – Helps american businesses become more innovative at home and competitive abroad.

U.S. Bureau of Economic Analysis – Provides statistics on consumer spending, corporate profits, travel and tourism and much more.

Entrepreneurworld – Resource for Entrepreneurs, including starting your own business, growing your business.

Bureau of Labor Statistics – Provides companies with up to date information on employment, demand, hiring, productivity and other information that may be useful to companies.

International Trade Administration – Creates jobs and economic growth by promotingU.S. companies abroad to governments in other countries.

Would social security not get paid post fiscal cliff resources:

Department of Labor – Provides information on many labor issues that can be useful to companies, such as insurance, regulation, wages, wage hours, compensation, safety and health

U.S. Patent and Trademark Office –U.S. office to file patents to protect a companies new or existing proprietary products.

U.S. Trade and Development Agency – Promotes U.S. Exports to Foreign Countries, please review if your company is interested in exporting goods to foreign countries.

CEO Refresher – A monthly newsletter on creative leadership ideas. Short articles, brief book reviews, models, management tools, quotations and commentary.

E-Network for CEOs – Online articles and much more for CEO’s

Public Radio Planet Money – All issues money related to the public.

Thank your for visiting our would social security not get paid resource page

Who would not get paid if we pass the fiscal cliff?

The so called fiscal cliff is approaching, again.   So what question should, or would the average citizen be most interested in?    Maybe the first question would be, who will and won’t get paid?

There will be a lot of talk about how every one will be taken care of, but the harsh reality is that someone won’t get paid.   It will be a sure thing that that someone, of which there would be many, won’t be happy.  That may end up being the understatement of the year.  If this happens, in the end, all of the current politicians will end up being the big losers and public anger will be targeted in their direction.

As far as who won’t get paid?   Probably defense contractors will be very high on the list.   They are paid great sums of money but it is not a payment direct to the people.   It won’t make much difference though as it won’t be long before their employees aren’t paid.

Highway departments and maybe some unemployment recipients would be next on the target list.   Basically, the Government would want to keep paying interest on it’s debt but soon after, many citizens would stop receiving money.

 

Does Congress get paid if we pass the fiscal cliff?

In the debate about the upcoming fiscal cliff, politicians have talked about how many people would not get paid and many services would automatically be cut back.

However, if we pass the fiscal cliff, would the politicians themselves be unpaid during this time until the problem is resolved?   Surprisingly, it turns out that if the fiscal cliff is passed, Congressmen, Senators and the Executive branch, which means the President and Vice President, etc. would all continue to be paid.   This can certainly be seen as the legislative branches having less incentive to solve the problem immediately.

This can certainly be considered quite unfair.   The politicians create an unnatural situation in which the government cannot pay obligations of the utmost urgency such as debt and treasury bill obligations to bondholder, transportation,  potentially even parts of the military and social security and medicare, but they continue to be paid.  There has been backlash about this in the past.  There are provisions in the law which states that the politicians continue to get paid even if the government has monetary issues in other areas.

This may be somewhat understandable and tolerable to the public if it is an unavoidable situation, but the same public finds it completely unacceptable if the problem is created by
the politicians themselves.

Can we pass the fiscal cliff?

Can we pass the fiscal cliff without major damage?  The fiscal cliff will occur sometime in December.     Can the government continue as is, passing the fiscal cliff without significant damage happening?

Up until recently, virtually all political commentators have agreed that the fiscal cliff cannot be broached, as the damage would be too great.    However, in the most recent weeks, there have been some political commentators that have stated that passing the fiscal cliff would not be a big problem and it could possibly be a good idea.

It is not clear what thinking could justify this position, certainly not an overall position.   If the fiscal cliff is passed without resolution, the effects would hit, quickly.   Not only that, the markets would already react negatively in the one to three day period prior to the actual day of the cliff.   Furthermore, and more importantly, the government would actually and literally not be able to begin paying it’s bills.

The magnitude of this would be enormous.    Recipients of Social Security, Medicare, Medicaid, Unemployment payments, military salaries, highway funds, government employees would all be targets of who would get cut.    Ironically, the law evidently states that if this occurs,  Congressmen, Senators and the Executive branch would all continue to get paid.

This issue has been discussed before and various congressmen and senators have said that the military would get paid.   However, if this happens, then some major programs, be it social security, medicare, medicaid, etc. would have to be cut.   Once this happens, it will be guaranteed that millions of citizens would suddenly, loudly and very aggressively become vocal.    This would move into street protests very quickly, possibly with days, certainly within weeks.    Once people begin not to get “their” money, they will respond.

Street protests are what happened and is still happening in Greece.   The visuals across the world of this happening in the United States cannot be underestimated.    No, the fiscal cliff cannot be broached and doing so is a bad idea, a very bad idea.

Can we pass the fiscal cliff Resources:

SBA Community Blog and Forum –  Blog and Forums by the SBA, Small business administration.   Questions can be asked and answers provided.

U.S. Department of Commerce – Helps american businesses become more innovative at home and competitive abroad.

U.S. Bureau of Economic Analysis – Provides statistics on consumer spending, corporate profits, travel and tourism and much more.

Entrepreneurworld – Resource for Entrepreneurs, including starting your own business, growing your business.

Bureau of Labor Statistics – Provides companies with up to date information on employment, demand, hiring, productivity and other information that may be useful to companies.

International Trade Administration – Creates jobs and economic growth by promotingU.S. companies abroad to governments in other countries.

More can we pass the fiscal cliff resources:

Department of Labor – Provides information on many labor issues that can be useful to companies, such as insurance, regulation, wages, wage hours, compensation, safety and health

U.S. Patent and Trademark Office –U.S. office to file patents to protect a companies new or existing proprietary products.

U.S. Trade and Development Agency – Promotes U.S. Exports to Foreign Countries, please review if your company is interested in exporting goods to foreign countries.

CEO Refresher – A monthly newsletter on creative leadership ideas. Short articles, brief book reviews, models, management tools, quotations and commentary.

E-Network for CEOs – Online articles and much more for CEO’s

Public Radio Planet Money – All issues money related to the public.

Thank your for visiting our can we pass the fiscal cliff resource page!

What is the fiscal cliff?

There has been much talk about the fiscal cliff.   What is the fiscal cliff and how much of a danger is it?    These questions and more may best be summed up in a simple question and answer format.

Question: What is the fiscal cliff?  Answer: The fiscal cliff refers to a moment in time after which the Government does not have enough money to continue to meet it’s obligations, basically, to run itself.

Question:  Why will the Government run out of money?

Answer:  There are really two answers to this.   The overall reason the Government will run out of money is because, for several decades, it has spent more, or far more than it takes in in revenues in just about every year.    The specific reason it may not have enough money to continue to pay it’s bills is because in order to be able to continue spending more than it takes in in revenues, the government has to continue borrowing to make up the difference.   The government has set up a borrowing limit, commonly called a debt ceiling.   In order for the government to borrow above the debt ceiling, Congress must approve such an increase to the debt ceiling. The president cannot do this by himself.    If the government does not approve an increase in the debt ceiling, it will suddenly, within the span of a day, not be able to pay over 40% of the bills it currently pays.   Monies and accounts can be shifted around so that this day can be delayed, however there is a point in time when it will occur.

Question: When is the fiscal cliff:   Answer:   The fiscal cliff is sometime in the month of December 2012.     There is not an exact day because the government can move money around for a short period of time, estimated at approximately a few weeks.

So the answer to the question what is the fiscal cliff is quite simple.

What is the fiscal cliff Resources:

SBA Community Blog and Forum –  Blog and Forums by the SBA, Small business administration.   Questions can be asked and answers provided.

U.S. Department of Commerce – Helps american businesses become more innovative at home and competitive abroad.

U.S. Bureau of Economic Analysis – Provides statistics on consumer spending, corporate profits, travel and tourism and much more.

Entrepreneurworld – Resource for Entrepreneurs, including starting your own business, growing your business.

Bureau of Labor Statistics – Provides companies with up to date information on employment, demand, hiring, productivity and other information that may be useful to companies.

International Trade Administration – Creates jobs and economic growth by promotingU.S. companies abroad to governments in other countries.

What is the fiscal cliff resources:

Department of Labor – Provides information on many labor issues that can be useful to companies, such as insurance, regulation, wages, wage hours, compensation, safety and health

U.S. Patent and Trademark Office –U.S. office to file patents to protect a companies new or existing proprietary products.

U.S. Trade and Development Agency – Promotes U.S. Exports to Foreign Countries, please review if your company is interested in exporting goods to foreign countries.

CEO Refresher – A monthly newsletter on creative leadership ideas. Short articles, brief book reviews, models, management tools, quotations and commentary.

E-Network for CEOs – Online articles and much more for CEO’s

Public Radio Planet Money – All issues money related to the public.

Thank your for visiting our what is the fiscal cliff resource page!

885 Mass layoff events in third quarter 2012

885 Mass layoff events is the figure reported by the Bureau of Labor Statistics in it’s 10:00 A.M., Thursday, November 8th, 2012 report.

The bureau further reported that the layoffs were in the private non farm sector.    These 885 Mass layoff events resulted in a total of 138,484 separations from their jobs for at least 31 days.  Permanent work site closures and were primarily in the manufacturing sector.  Manufacturing industries reported 196 extended mass layoff events and 29,350 separations in the third quarter of 2012, largely due to insufficient demand.    This sector accounted for 22% of layoff events and 21% of related separations during the quarter.

Business demand factors, including contract competition, accounted for 44% of both extended mass layoff events and related separations in the private non farm sector in the third quarter of 2012.

$121.41 drop in dow jones, down for 2nd straight day

The dow jones industrial average dropped for the 2nd consecutive day following the presidential election, initially feeding fears that the markets are fearing additional regulations.

The dow lost .94% for the day to end at 12,811.32.   The Standard & Poors 500 index fell 17.02 points or 1.22 percent to 1.377.51 ending at it’s lowest level since August 2nd.   The nasdaq composite index, IXIC, dropped 41.7 points or 1.42%, to close at 2,895.58.

However, today’s drop was very much about investors, and Wall Streets worry about the fiscal cliff deadline.    The markets know the problem has to be resolved long term and most especially short term.   The Government cannot run out of money and the markets know it, causing a great deal of concern.

697,000 job openings in Healthcare and Education September 2012

697,000 job openings in September 2012, according to the 8:30 A.M. Tuesday, November 6th release by the Bureau of Labor Statistics.

The bureau of labor statistics reported that this sector category, healthcare and education, had more job openings than any other sector.     This was followed by professional and business services, which had 651,000 job openings in September 2012.   The next highest category was Health Care / Social Assistance with 632,000 for the month of September.

The next highest category was Trade, Transportation and Utilities at 597,000 job openings for the month, then Government at 368,000.   Retail trade came in at 358,00 job openings,  then accommodation and food services at 339,000.   The next category was state and local government at 299,000 job openings.

http://www.youtube.com/watch?v=vMTwHbxnVY8&feature=plcp

3.6 Million job openings last day of September

3.6 million job openings on the last day of September, according to the BLS, bureau of labor statistics.  This was statistically unchanged from August.

The bureau of labor statistics reported further that the hires rate was 3.1%.   The number of job openings decrease in the Government and professional and business services.   The midwest region experienced a decline in hires in September.   The number of hires in September was 4.2 million, up from 3.7 million at the end of the recession in 2009.

In September, the quits rate was little changed for total nonfarm, total private and government.   The number of quits was 2.0 million in September, compared to 1.8 million at the end of the recession in 2009.