Friday, November 30, 2018

Leverage




Knowing what your risk exposure is vital to any company to help it make sound financial decisions.  Business risk is associated with your fixed cost, these cost must be paid regardless of your income, thus the higher the cost, the greater the risk.  To help measure your risk, you can use the following financial ratios: 

1) Operating Leverage Effect (OLE) ratio - Measures the change in income due to change in sales.  formula = contribution margin ratio / operating margin.  (goal is OLE ratio =< 1)
2) Financial Leverage Ratio - Measure the amount of debt used to finance operations.      formula = operating income / net income  (goal is ratio  =< 1) 
3) Combined Leverage Ratio - Measures your business risk and financial risk combined.  formula = operating leverage X financial leverage, (key higher the CLR, higher the risk)
4) Contribution Margin Ratio - Sales minus variable cost,  profit or net income to fixed cost. 
formula = contribution margin / sales = 1 - variable cost / sales.   
When the time is right, no matter if it's to consolidate debt or expand, I can help. 

Simply contact Michael@MerchantBankingResources.com  #quick #apply 1 page #application 24 hour #approval  #funding   https://mikeyourlender.blogspot.com/ 

Michael Koprowski
Account Executive 

1-808-259-1635 Direct
1-888-875-8918 Secure Fax 
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/
   



Business Loans



The goal for a company is to increase revenue and have the competitive advantage. Some times this requires a company to accept a large project or provide extended services that would result in exhausting your working capital reserves making it difficult to operate your business.  

Such projects require your full attention and having to worry about paying operating cost would be a very costly distraction.  Simple solution, our working capital loan can provide you with the funds you need, so you can focus on what's important, completing the project and boosting your company's reputation!  

When your ready: Michael@MerchantBankingResources.com 
#money #quick  #approval #nationwide #funding  https://mikeyourlender.blogspot.com/ 

Michael Koprowski
Account Executive 

1-808-259-1635 Direct
1-888-875-8918 Secure Fax 
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, November 29, 2018

Fraud



Fraud can affect any company, on average each occurrence can cost up to 5% of your annual revenue or $114,000 on average.  It is vital to implement internal checks and balance for your accounting system.  

Here are a few common fraudulent areas you should pay close attention to:   
1) Cash Theft - Skimming, Larceny or fraudulent disbursements. 
2) Payroll fraud - On average, over 27% of all business fraud cases reported. 
3) False Invoicing - fictitious suppliers are paid. 
4) Invoice email - changing legitimate suppliers existing payment arrangements or accounts. 
5) Online Banking - moving funds into erroneous accounts. 


Every owner needs to implement safe guards to protect against fraud!  Can you afford not to take the necessary steps to protect your hard work and future?  

I can help, simply contact:  Michael@MerchantBankingResources.com    #nationwide #funding  #commercial #businessloans  #integrity     https://mikeyourlender.blogspot.com/ 

Michael Koprowski
Account Executive 

1-808-259-1635 Direct
1-888-875-8918 Secure Fax 
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/

Tuesday, November 27, 2018

Competition



Every business must know it's competition or it will never be able to grow.  It's vital for every business to research it's competition and it's customers.  There are three main ways of accomplishing this: 

1) Commercial agencies
2) Field research
3) Internet research
A business must examine it's competitors products or service and compare them to yours. 
4) Review their marketing
5) Examine Products or service
6) Prices and warranties

Being critical of your own products, service and pricing compared to your competition will inspire you to be more competitive and allow you to improve. 

If you require financing to expand your business or launch a marketing campaign, simply contact: Michael@MerchantBankingResources.com  #commercial #businessloans   #nationwide #funding   https://mikeyourlender.blogspot.com/ 
Michael Koprowski
Account Executive 

1-808-259-1635 Direct
1-888-875-8918 Secure Fax 
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/


Business Loans



The goal for a company is to increase revenue and have the competitive advantage. Some times this requires a company to accept a large project or provide extended services that would result in exhausting your working capital reserves making it difficult to operate your business.  

Such projects require your full attention and having to worry about paying operating cost would be a very costly distraction.  Simple solution, our working capital loan can provide you with the funds you need, so you can focus on what's important, completing the project and boosting your company's reputation!  

When your ready: Michael@MerchantBankingResources.com 
#money #quick  #approval #nationwide #funding  https://mikeyourlender.blogspot.com/ 

Michael Koprowski
Account Executive 

1-808-259-1635 Direct
1-888-875-8918 Secure Fax 
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/

Monday, November 26, 2018

Is your Business Seasonal?



Is your business surviving year after year due to a few very lucrative months always looking for a solution to stave off the dangers associated with a seasonal business

 It's true, many businesses survive because of the Summer months or Holiday season which normally results in purchasing inventory or advertising discounts to attract sales. You can raise prices but this will result in making you less competitive putting you at a disadvantage. 

To be able to compete for survival, allow us to discuss your financing needs and provide the funding to keep your business moving forward and competitive.  Michael@MerchantBankingResources.com   #commercial #businessloans  #franchisecapital  #military #marine veteran 


Michael Koprowski
Account Executive 

1-808-259-1635 Direct
1-888-875-8918 Secure Fax 
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/


Friday, November 23, 2018


Lost Opportunity and how it affects your business.  As a business owner, you know how to manage fixed cost, like rent and equipment leases, along with variable cost like wages and utilities but how do you manage lost opportunity? 

Imagine you had the opportunity to purchase equipment that would allow you to expand your company and produce additional income, however at the moment you don't have the capital to complete the deal, purchase materials or hire additional employees.  

At this point you can decide not to grow your business or you can turn to a National Lender who will work with you to acquire the equipment you need and provide you with working capital. 

Don't miss the opportunity to grow your business due to lack of funds, simple contact: 


Michael Koprowski
Account Executive 

1-808-259-1635 Direct
1-888-875-8918 Secure Fax 
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/

Tuesday, November 20, 2018

Customer Service


A great customer service is critical to your business success!  It provides an opportunity to exceed your customers expectations.  Statistically 60% to 70% of loyal customers will do business with you again compared to 91% of dissatisfied clients will never engage your service again.  Here you are our focus and priority!  You will work from application to funding with your own funding specialist!  If necessary you will speak with your assigned underwriter to expedite your approval while our team keeps you updated and available to answer all your questions.  To learn more, simply contact your funding specialist: Michael@MerchantBankiingResources.com
  #quick #apply 1 page #application 24 hour #approval   https://mikeyourlender.blogspot.com/    

Our Guarantee



Promises is the very foundation upon which a companies brand and relationship with customers is built.  

According to surveys, 40% of customers feel the promise they received in the past year were broken. Equally surprising is over half of clients surveyed reported companies have broken multiple promises. We Don't make promises!  

We guarantee our offer by putting it in writing!  It's simple, provide the requested documents, receive a response within 24 hours, and funding within a few business days.  

Banking the way it was meant to be, just contact: 

Michael Koprowski
Account Executive 

1-808-259-1635 Direct
1-888-875-8918 Secure Fax 
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/


   

Friday, November 16, 2018

Time



Time, Cost & Quality triangle or the iron triangle expresses the triple constraint that all are connected and if one variable is adjusted, it will affect the other two variables.  example, if Time is fixed, then quality and cost may need to increase.  One factor that never changes is how quick we can make a decision, our low cost and the quality of our service!  Just contact: Michael@MerchantBankingResources.com   #nationwide #funding  #commercial #businessloans  #quick   https://mikeyourlender.blogspot.com/ 

Need a Cash Advance?



Why do businesses choose a Cash Advance or Business Loans?  
1) When your Bank turns you down or time is a factor and you can't afford to wait for an answer.
2) We offer a simple and streamlined process to get approved! 
3) Bad credit is NOT an issue! 
4) We offer a higher approval rate vs your typical bank! 
5) Documents requested are minimal compared to your bank requirements!  
6) NO Points or origination fees! 
7) You will work directly with your funding specialist from application to funding! 
8) No restrictions on the funds you receive! 
9) 24 Hours or less to receive your decision! 
10) Fast funding, normally within a few business days and directly deposited into your account! 
Successful businesses know how to use the resources available to them.  I am a financial tool if used correctly, can offer you Enormous Advantage over your competition.  Allow me to help: Michael@MerchantBankingResources.com  #commercial #businessloans  #approved with #integrity  #funding  https://mikeyourlender.blogspot.com/ 

I understand running a company successfully is very difficult, even more changeling when financing is required to grow or expand operation...