Business Builders Resource Seminar

May 20, 2012 · Posted in Bank Loan · Comments Off

Business Builders Resource Seminar 2011
Event on 2012-05-20 10:00:00
I.N.F.O. LLC presents……

Business Builders Resource Seminar 2011

Tickets on sale NOW! Register at www.theBBRS.com

Please join us on Saturday April 16th , 2011
10:00am -3:00pm
Location: Downtown- Atlanta Marriott Marquis
265 Peachtree Center Ave, Atlanta GA

ADMISSION: $ALL THIS for ONLY .00!
This Tax Deductible as a Business Expense !
Tickets on sale NOW! Register at www.theBBRS.com

About us:
I.N.F.O. LLC improves your business entity with services aimed to build structure, maximize business process, improve business image, and increase financial stability. We create standards that make businesses immediately successful. We increase your competitive stance in the business world allowing for solid business growth and longevity.

Business Builders Resource Seminar 2011: Is for New & Establish Businesses
This seminar will discuss the following and much more

“How do I start a business?”
“How do I get money for my CURRENT business?”
“What is Business Credit?”
“How do I get Business Credit?”
“How do I get a Business LOAN?”
“How do I get a GRANT?”

GET TRUE ANSWERS TO YOUR BUSINESS NEEDS!

The creation and proper use of a YOUR BUSINESS CREDIT PROFILE so
you never have to use your personal credit for your business again!
Legal compliance with all local, state and federal laws
Compliance with private, state and federal lending institutions so YOU
can get money for YOUR business
Proper use/ repair of a YOUR personal credit profile
Patent, Trademark and Branding YOUR products and services
Applying and receiving local, state and federal LOANS and GRANTS
LOANS and GRANTS for “Going Green” or opening an environmentally
friendly business from the S.B.A.
Proper Banking practices and establishing banking relationships
Proper payroll and tax practices
Bringing YOUR products and services to the marketplace
How to turn your company green

ADMISSION IS .00 PER PERSON /Register at www.theBBRS.com

DO NOT MISS THIS EVENT IF YOU ARE BUSINESS OWNER OR A FUTURE ENTREPRENEUR!

Please feel free to bring guests to this event!

Best wishes,

I.N.F.O. LLC
Office:678.683.0222
Office: 1800.518.8575
Fax: 800.518.0698

Email us at:
info@infollc.org

Visit us at:
www.infollc.org

at Atlanta, Georgia, United States

Atlanta, United States

MI Buick GMC Dealer Says ‘Others Don’t. We Do.’
Event on 2012-05-20 00:00:00
Golling Buick GMC is taking its promotions to a new level for the dealership’s customers, a level that other dealerships often don’t want to reach because it provides customers with the advantage.
LAKE ORION, M.I. – MI Buick GMC shoppers may be growing more and more frustrated with being told “No,” from MI Buick GMC dealerships that remain inflexible on vehicle prices and promotions.
Luckily, for these customers Golling Buick GMC has stepped in to help them and all others who have come to a dead end with a dealership that has the vehicle they want but not the price they want.
“We’re always reinforcing our commitment to our customers every day,” said John Barton, General Manager of Golling Buick GMC. “Whether it’s having the in-demand vehicles they’ve been searching for or giving them the price options they need without having to shop around, Golling Buick GMC is here for our customers every step of the car buying or leasing process.”
MI Buick GMC shoppers will quickly discover Golling Buick GMC’s continued actions to surpass other dealerships once they view Golling Buick GMC’s promotions. Customers of the dealership will find not only a tremendous supply of vehicles from two respected brands, but may also find numerous promotions on those vehicles such as:
• The 2011 Buick LaCrosse CXL with 27 mpg, featuring a lease as low as 7 per month for 48 months or 12,000 miles; a starting price as low as ,465
• The 2011 Buick Regal CXL RL1 with 30 mpg, featuring a lease as low as 9 per month for 39 months or 10,000 miles; a starting price as low as ,355
• The GMC Summer Event, featuring no monthly payments for 90 days for well-qualified buyers
Both the Buick LaCrosse and the Buick Regal offer car buyers interior comfort and road-pleasing performance. With low starting prices, these two vehicles bring class, interior comfort and fuel-efficiency for thousands less than their luxury competitors.
The Buick LaCrosse features premium leather seating, plentiful legroom and innovative entertainment features that provide advanced technology that’s easy to use. The 2.4-liter 4-cylinder or 3.6-liter VVT V6 engine choices provide fuel economy and superior handling, making any trip in the vehicle a welcome event.
The Buick Regal offers buyers a sport-injected performance while still saving them more at the gas pumps. The Regal also features an ergonomic cabin, heated seats, 220 horsepower output, a Turbo edition and up to 30 mpg highway.
In addition to its vehicle offerings, Golling Buick GMC is also active in the community with events like the dealership’s Summer Cruise Series from 4 p.m. to 8 p.m. on July 21st. If rain forces the event to be postponed, the Summer Cruise will take place on July 28th. Stay updated on the event and all other news from the dealership by following Golling Buick GMC on Facebook and be automatically entered to win an iPad.
For more information about the Buick Regal, Buick LaCrosse or any other vehicles, visit www.gollingbg.com or call 866-403-4923.
Golling Buick GMC is the customer’s choice for new and used vehicles. From the hardworking and helpful employees to the dedicated parts and service department, Golling Buick GMC has everything the GMC and Buick buyer needs to get on the road fast. Golling Buick GMC also is the place for classic car events, and widely known for its truck month event twice a year. Golling Buick GMC also works with many local banks, credit unions and other lending institutions in order to help its customers with auto loans at attractive interest rates and low monthly payments.
Golling Buick GMC is conveniently located at 1491 S. Lapeer Road in Lake Orion, Michigan 48360, only five minutes north of the Palace.

at Lake Orion DDA
51 North Broadway Suite B
Lake Orion, United States

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Bank Loans Verse Private Lender

May 19, 2012 · Posted in Bank Loan · Comments Off

by Brennan Cavanaugh

Bank Loans verse Private Lender Loans

Article by Joseph Lizio

Bank Loans verse Private Lender Loans – Business – Small Business

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So, what is better; a business loan from your bank or a business loan from a private lender?

The answer is simply the one loan that you can get approved for.

But, every business owner wants a bank loan. In fact, many business owners think that their bank is the only place they can get a business loan. But, that is far from the truth.

Everyone wants a bank loan. Why? It is usually because bank interest rates can be lower.

Why do bank loans offer lower rates?

Banks typically have a lower cost of funds than other lenders. Depositors (their retail customers) keep a lot of money in their checking and savings accounts. Thus, banks have easy access to those funds to lend out. And, if banks don’t pay interest for those deposits or pay very little interest like they do today (under percent) – then those funds are very cheap for the bank to use.

Plus, all banks can access federal funds. And, right now the federal funds rate has been stuck around 0.25% (a quarter of 1%) – very cheap considering that it is usually around 4% or 6% and has been as high as 19%.

Private lenders on the other hand either have to get funds from investors who are looking for decent returns or from other banks and financial institutions who lend these private lenders funds at higher rates then it costs them to acquire that money.

Either of which raises private lender’s cost of funds which in turns gets passed on in their loan rates.

Let’s look at an example:

A bank needs to earn a spread on their loans of say 6% to cover the bank’s direct expenses and overhead costs (their cost of being in business).

If they can acquire funds at 0.25% then they can lend them out at 6.25% and still earn their spread.

A private lender might need to earn a spread of 4% to cover its operating costs. But, its cost for the funds it lends out could be 6% or more to either repay the bank that lent them that money or to repay investors.

If the private lender’s cost of funds are 6% and its needs to earn a spread of 4% – it has to charge 10% at a minimum or go out of business.

Thus, it is easy to see why everyone wants a bank loan as opposed to a private lender loans.

But, banks are also opportunistic.

While banks can lend out funds at lower rates, they hardly do. Here’s why:

1) Banks see that their main competition (these private lenders) have to charge 10% or more – from our example. Thus, banks know that all they have to do is be below that figure to win your business.

Thus, banks can charge 9% or 9.5% and still beat the competition.

2) Banks have other ways to make money. Thus, if you don’t want to pay their high rates, they really don’t care all that much. They can still earn a ton of revenue from banking fees or from taking those cheap funds and investing them to earn their 6% or more (investments in stocks and bonds or through acquisitions). Thus, they really don’t need to fund your business loan.

3) Banks have stiff regulations that pretty much forces them not to lend to new or small, growing businesses. These regulations are in place to protect their depositor’s money but also tie their hands when making loans (things like time in business, high credit scores, high cash flow requirements and low debt-to-income ratios).

Plus, banks add a lot of other costs to their loans – including fees, reporting requirements, covenants, etc. that are not included in their rates but make the overall cost of their loans higher.

Private lenders, alternatively, don’t have all those restrictions or alternative ways to generate revenue (beside fees which only happen when they close a loan). In fact, they are usually in business only to make loans.

Thus, private lenders tend to be easier to get approved by.

Kind of a double edged sword. Cheap money but hard to get on one hand and easy to get loans but higher rates on the other.

However, going back to the original questions, which is better? The answer still remains the loan that you can actually get; but it only remains true while you can’t get the other.

If you don’t qualify for a bank loan, make it your goal to grow your business to the point that you qualify for bank funding (you might not actually need it when you can qualify for it). But, in the mean time, if all you can get approved for is a private lender loan, then by all means; knowing that it is only temporary as your business grows.

Two things to remember here:

1) The difference between 10% and 6% on a short-term loan (say under three years) is really not that much given the grand scheme of growing your business.

2) Private loans are much better then not growing your business at all or losing your business altogether. As long as the use of those funds will return more than that loan costs – your business is really not losing anything.

Example: If you have an opportunity to earn $ 10,000 above the principal of the loan but can’t get a bank loan – do you just let the opportunity die or do you take the private loan and only realize say $ 9,000 in profits due to the higher interest rate?

You do what you have to do until you qualify for something better.

So, when seeking a business loan, which is better a bank loan or a private lender loan? It really depends all on what you can get approved for.

About the Author

Joseph Lizio holds a MBA in Finance and Entrepreneurship, is the founder of Business Money Today, has a strong commercial lending background and is regarded as an expert in business and finance – specifically commercial business loans and working capital.

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whereby the original author’s information and copyright must be included.

Joseph Lizio

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Use and distribution of this article is subject to our Publisher Guidelines
whereby the original author’s information and copyright must be included.

Deciding to get a bank loan is a big decision, and one should know details about what to expect when applying for a loan. Decide if a bank loan is a good form of investment and what type of loan to look at withtips and advice from an experienced financial adviser in this free video. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace. Filmmaker: Reel Media LLC
Video Rating: 5 / 5

Pnc Bank Loan Modification Denied

May 18, 2012 · Posted in Bank Loan · Comments Off

by Brennan Cavanaugh

PNC Bank Loan Modification Denied – What Should I Do Now?

Reading the words “PNC Bank Loan Modification Denied” when trying to save ones home is torturous, but I am here to tell you that there is hope. Many people cave in when they are rejected for a HAMP loan and the main reason they give up is lack of information. After reading this article, you’ll see that it is actually possible to resubmit an application and get approved.

The main reason that most people are faced with the ghastly loan modification denied scenario is that they simply submit the application with wrong information and not enough support from a professional. By professional, I mean someone who is versed at handling HAMP loan applications.

Some people also falsely assume that under the federal guidelines, their approval for a loan is guaranteed. This is simply not the case and so it’s important to take the time and learn about the guidelines before you submit an application.

If you’ve had your pnc bank loan modification denied, there’s still hope. Once you work out if you qualify under the guidelines, it’s important to put together a well thought out hardship letter. This is the letter that will convince the lender that you are deserving of the loan. In it, you should include a breakdown of how you arrived at your present financial difficulties and what you plan to do to maintain the new loan should it be approved.

Since this letter is so important, it is crucial that you have done professionally by a loan modification company. They often don’t charge for a consultation and work really hard to ensure that your chances of being approved are way above 80%. And 80% is nothing to sniff at, especially when you can actually reverse the loan modification denied scenario that you may be in right now.

The loan mod process can be frustrating and overwhelming. Having a specialist on your side can greatly reduce the stress, as they do all the negotiating and paperwork on your behalf. Visit to learn why having a loan mod company is crucial to saving your home and and how you can get a FREE evaluation to help determine why you were denied the first time.

Don’t risk losing your home. Visit to get started.

Wife For Hire

May 17, 2012 · Posted in Bank Loan · Comments Off

Wife for Hire

Hank Mallone knows he’s in trouble when Maggie Toone agrees to pretend to be his wife in order to improve his rogue’s reputation. Will his harebrained scheme to get a bank loan for his business backfire once Maggie arrives in his small Vermont town and lets the gossips take a look? Maggie never expected her employer to be drop-dead handsome, but she’s too intrigued by his offer to say no . . . and too eager to escape a life that made her feel trapped. The deal is strictly business, both agree, until Hank turns out to be every fantasy she ever had.

Price: $ 0.01
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Bank Of America Offers Cash

May 17, 2012 · Posted in Bank Loan · Comments Off

Waltham, MA (PRWEB) May 17, 2012

McGeough Lamacchia Realty has successfully negotiated a $ 10,000 cash incentive from Bank of America for their client to do a short sale. John McGeough and Anthony Lamacchia, co-brokers and owners of McGeough Lamacchia Realty, believe Bank of America’s cash for short sales program will help more distressed homeowners avoid foreclosure.

?This is an example of another big bank that is finally realizing that short sales are far better than foreclosures for struggling homeowners,? says Anthony Lamacchia.

For a limited time, homeowners who have loans owned and serviced by Bank of America may be eligible for a new program that offers them relocation assistance between $ 2,500 and $ 30,000 if they sell their home through a short sale. The new program is designed to help homeowners who are struggling to make their mortgage payments avoid foreclosure by doing a short sale of their home. In a short sale, the homeowners agree to sell their home for less than what they owe on the mortgage. In these cases where the homeowner receives a cash incentive, the deficiency balance is forgiven.

?Cash incentive programs like these are a proactive approach to assist struggling homeowners do a short sale before their homes go into foreclosure,? says John McGeough.

McGeough Lamacchia Realty has negotiated large short sale cash incentives before. For instance, in November 2011 McGeough Lamacchia Realty and Dorner Law negotiated a $ 35,000 payment from Chase Bank to their short sale client at closing and have since negotiated many more large cash incentives. Last month, McGeough Lamacchia Realty had 36 percent of their short sales close with relocation assistance. So far this year, 29 percent of their short sales have closed with relocation assistance. The average cash incentive for short sales for their clients is $ 2,932.05.

Foreclosures have a serious negative impact on neighborhoods. Foreclosed homes are often left in disrepair and bring down the home values in the surrounding neighborhood. With a short sale, homeowners stay in the homes until they?re sold, so the homes are in much better condition than foreclosed homes. Foreclosures are also devastating for families. A foreclosure has a negative impact on the homeowner?s credit score and it delays their ability to purchase a home again for up to 7 years. Many homeowners don?t realize that after a foreclosure banks will continue to pursue them for the mortgage deficiency.

The cash for short sales program allows banks to avoid paying legal fees associated with foreclosure and by selling the home banks avoid paying the taxes and maintenance costs that come with the property.

McGeough Lamacchia Realty encourages homeowners struggling to pay their mortgages to do a short sale on their home and believe this new cash incentive for short sales will help more of them transition from their homes and move on with their lives.

About McGeough Lamacchia Realty:

McGeough Lamacchia Realty is the number one Real Estate Agency in Massachusetts and named one of the Top 100 Real Estate Teams by the Wall Street Journal in 2010. They are a full service real estate agency specializing in short sales serving Massachusetts and New Hampshire.

http://www.shortsalene.com

For more information about the Bank of America short sale cash incentive program, visit the Short Sale New England Blog

Wife for Hire

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