Mike Your Lender - NATIONWIDE

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Merchant Banking Resources

#commercial #businessloans #approved with #integrity #grow your #money #quick #apply 1 page #application 24 hour #approval #nationwide #funding #franchisecapital I am a #military #marine veteran #lasvegas #hawaii #california #merchantcashadvance #cashadvance #loan #expand #mikeyourlender #merchantbankingresources email: mikeyourlender@gmail.com www.merchantbankingresources.com Blog: https://mikeyourlender.blogspot.com/ Instagram: https://www.instagram.com/mikeyourlender/

Thursday, September 27, 2018

Balance Sheets

As a cash flow lender, we don't put a lot of emphasis on credit, FICO scores, or even collateral, but we will ask for the following and here is why:

Cash Flow Statement - Simply details the sources of cash inflow and outflow. measures amount of cash on hand to pay expenses and purchase assets.

Income Statement - Simply breaks down the sales and expenses. Provides investors insight into company sales, profitability, retained earnings, gross profit and operating income.

Balance Sheet - Simply states what the company owns and what it owes. Provides the net worth of a company and it's ability to finance its operations.

If your company needs financing for ANY reason, can show positive income, and you don't want the scrutiny and long delay of waiting for an answer from a bank, give me a call: Michael@MerchantBankingResources.com

Michael Koprowski

Account Executive

Instagram: https://www.instagram.com/mikeyourlender/

1-808-259-1635 Direct

1-888-875-8918 Secure Fax

Merchant Banking Resources

Wednesday, September 26, 2018

Why & What

This is actually two separate questions you should ask yourself, one being "WHY" and the other "WHAT". Majority of the successful companies that borrow funds versus diluting their cash reserves are:

1) Working Capital - Cover operating expenses during production or sales cycles or stock up on inventory when busy sale cycle is approaching or a marketing campaign is being launched.

2) Expansion - Let it be real estate, new equipment, expanding current location, or a new product or service.

3) Growth - This is the most common reason a company seeks financing or fails! Return on equity and retention ratio determine at what rate your company can grow and be supported by self generated income. When your company grows faster than the sustainable growth rate, a company MUST seek outside funding. More businesses fail due to mismanaged and out of control growth.

When your company needs to grow to compete, expand or invest in assets, I can help! Simple one page application, supporting proof of income documentation and where you want your funds deposited.

Aloha,

Michael Koprowski

Account Executive

Instagram: https://www.instagram.com/mikeyourlender/

1-808-259-1635 Direct

1-888-875-8918 Secure Fax

Merchant Banking Resources

Tuesday, September 25, 2018

Invest in Training

If you want to attract and retain great talent, you have to invest in training!

As a business, you can't afford not to invest in employee development and here are five reasons Why:

1) It helps attract and keep great employees, it attracts employees looking to better themselves, promotes your reputation in the market place, builds loyalty among your employees.

2) Keeps employees engaged, bored employees acquire negative attitudes that affect your customers and other employees.

3) Saves you money, a trained employee tend to work better, more confident and become more efficient.

4) Keeps you focused on tomorrow, industries change, laws change, you have to adapt according to customer and cultural changes.

5) Creates capable and ready employees for promotion, hiring within is always a great idea. Shows you which employees have an aptitude for such promotion.

This is one the greatest investments you will ever make for your company, it's success is related to the training you provide.

What are you willing to invest in your company? Your employees?

I have the funds available, fast and easy application and approval process, just contact:

Michael@MerchantBankingResources.com 24 hour #approval #nationwide #funding

Monday, September 24, 2018

Fix & Flip

Fix and Flip properties can provide a great income, but without the right lender, you may be given up too much! Previously I discussed hard money-lenders, typically require a minimum of 20% down, more if not experienced, charge 3-5 points and normally 12-15 percent interest along with require you to share up to 50% of your profit. (Typical example, $300,000 purchase price, 4 points, $12,000, 20% down, $60,000, plus 50% of your profit...)

Your typical bank who funds fix and flip investors require a minimum of 25% investment, normally charge 1.5 - 3 points and 5.5% or higher interest rate. (Typical example, $300,000 purchase price, 2 points, $6,000, plus 25% down, $75,000)

If you want to experience a national lender with a home town feel and obtain the financing you need, then consider no up front cost, no points and no sharing of your hard work! Just contact: Michael@MerchantBankingResources.com #quick #apply 1 page #application 24 hour #approval #nationwide https://mikeyourlender.blogspot.com/

Core Values Matter!

Is your company losing customers / clients? If this is true, then your losing revenue also and if something isn't done, you may lose your company.

There is no definitive single answer to this problem, but one common element that is shared is companies lose track of it's core value or who it is in the market place. Instead of being an expert in what the company was created to do, it tries to be everything to everyone. Companies need to focus on what you do best and refer those customers who you cannot to an affiliate that can.

I help companies obtain financing, period. I don't do marketing, I don't do collections, I help companies obtain the money they need to grow and prosper, anything else I recommend an affiliate who specializes in what they are looking for if not financing. Be the expert, don't be the jack of all trades and master of none. If you need funding, please contact

Michael Koprowski

Account Executive

Instagram: https://www.instagram.com/mikeyourlender/

1-808-259-1635 Direct

1-888-875-8918 Secure Fax

Merchant Banking Resources

Friday, September 21, 2018

How to Maximize your Business Loan!

Imagine after your bank declined your loan, you discovered a new lender who focuses on cash flow and not collateral and you now have the funds to meet payroll, fix your machinery or just pay creditors. But you want to MAXIMIZE every dollar, then consider these tips:

1) Expand your product line or service - great way to attract new clients and keep existing clients interested.

2) Increase your inventory - Buying only enough can be more costly over time than buying in bulk. Larger orders can receive discounts and reduce shipping cost.

3) Software - Add or update your current CRM system. Automate your marketing campaigns and provide the tools for your employees to keep accurate client records.

4) Expand / upgrade your current facility - The way your building / factory appears represents you and has a direct impact on your employee's and improves efficiency.

MAXIMIZING your funds take some financial planning, OBTAINING your funds is simple, five minutes to complete our application, proof of cash flow and where you want your funds deposited!

Michael Koprowski

Account Executive

Instagram: https://www.instagram.com/mikeyourlender/

1-808-259-1635 Direct

1-888-875-8918 Secure Fax

Merchant Banking Resources

House Flip? Loan!

Contractors own bank rejected his request for a business loan, been a client for a number of years and his primary revenue is from fixing and flipping various properties.
His source to continue to operate was hard money, the rate over 11%, and points were always a minimum of 3 or more. Interest only and it took the investor approx. 2 weeks to close on each new project. He completed our simple application, provided proof of cash flow, we approved him in under 24 hours and funded his deal in under 7 business days. No up front fee's, no points! Clients profit just increased on every deal.
What can we do for you that your local bank will not?

Michael Koprowski

Account Executive

Instagram: https://www.instagram.com/mikeyourlender/

1-808-259-1635 Direct

1-888-875-8918 Secure Fax

Merchant Banking Resources

Thursday, September 20, 2018

Marketing Builds Brand Awareness!

Every business knows the importance of marketing, it is the one thing a company MUST do to be successful! There are other important functions or productivity a company must also be involved in, but without customers there will be no company. Marketing Builds Brand Awareness, it grows your business and most importantly it increases sales. Some key points to consider when establishing your marketing budget:

1) It affords the same opportunity to reach your select market as the big companies.

2) It sustains and maintains a relationship with your clients.

3) It informs and educate your clients regarding your products and services.

4) It engages or fosters a relationship with your brand.

5) It sells your product or service.

6) It grows your business, next to selling this is essential to compete and survive.

7) Maintains your reputation, positively correlated to meeting your clients expectations.

Do you have enough funds to promote your product, service or survive, compete in the market place? If not, we should have a conversation regarding providing you sufficient funds to grow your business and maintain a presence in the market place. Please contact me directly:

Michael Koprowski

Account Executive

Instagram: https://www.instagram.com/mikeyourlender/

1-808-259-1635 Direct

1-888-875-8918 Secure Fax

Merchant Banking Resources

Wednesday, September 19, 2018

What is more valuable, TIME or MONEY?

What is more valuable,

TIME or MONEY?

Client acquired an office building that required extensive renovation. The TIME frame to complete was about 90 days to stay within his budget. He could have waited for his bank to make a decision that would have pushed his project back 45 – 60 days; instead he received approval within 24 hours and funds in only 7 business days! Time is more valuable than money, you can get more money but you cannot get more time!

Michael Koprowski

Account Executive

Instagram: https://www.instagram.com/mikeyourlender/

1-808-259-1635 Direct

1-888-875-8918 Secure Fax

Merchant Banking Resources

Tuesday, September 18, 2018

Rate or Benefit?

When you need a loan, do you only focus on RATE or Benefit?

When I speak with clients, majority believe the deal is dependent upon the RATE, and this is wrong! Yes, rate is a part of the loan but should not prevent you from securing financing that can directly impact your company. Rate is affected by credit score, loan to value, debt to income and risk! But allow me to show you why you should focus on the BENEFIT and not the cost.

A client purchased a building in Cali, for $800,000 at 7% in September 2013. Client could have waited until his financial situation improved but this was a very attractive deal. Fast forward 5 years, California has experienced on average 4.5% appreciation year over year. Today the building is approx... Valued at $996,000 and client realized approx... $196,000 in appreciation! To understand the difference let’s compare this to a rate of 4.75%, yes the client paid approx. $70,089 over the 5 year period additionally, but let’s break this down further. That translates into $14,018 annually, or $1,169 monthly in additional cost. $196,000 less $70,089 is $125,911 in appreciation!

The expression "You can’t see the forest through the trees” is an excellent example of why most businesses lose out on opportunities or fail to obtain the financing that would directly benefit them.

For an honest review of your financial situation, please contact me directly.

Michael Koprowski

Account Executive

Instagram: https://www.instagram.com/mikeyourlender/

2831 St. Rose Pkwy. Ste.444

1-808-259-1635 Direct

Merchant Banking Resources