Mike Your Lender - NATIONWIDE

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

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, December 20, 2018

Time Management

Time Allocation is defined as systematic prioritization of task. Poor time management can cost you and your business a tremendous amount of money. A written plan serves as a guide for working smarter, not harder. A simple allocation of time management example:

1) 40% marketing - Updating current clients, attracting new clients - 16 hours

2) 45% Work - Focused on task that earn income.- 18 hours

3) 10% Accounting - Managing expenses. - 4 hours

4) 5% Learning - Know what your competitors are doing, know your market. - 2 hours

Once time is spent, you can never get it back, Money you have choices, increase sales or simply contact me regarding Working Capital. The time you waste with your typical bank could be better spent with a lender who understands your business. simply contact: Michael@MerchantBankingResources.com #commercial #businessloans #nationwide #funding https://mikeyourlender.blogspot.com/

Secured and Unsecured loans do you know the difference?

Financing methods fall under two main categories, secured and unsecured with the main difference being the presence or absence of collateral.

Secured loans require the borrower to offer a personal guarantee and puts up collateral to secure the loan.

Unsecured requires no collateral or personal guarantee.  We require no collateral or personal guarantee, if your business has positive cash flow, let's discuss how our programs can help your company.

Please contact: Michael@MerchantBankingResources.com   #commercial #businessloans #nationwide #funding  #integrity  https://mikeyourlender.blogspot.com/

Wednesday, December 19, 2018

Business Loans

Although daunting, the challenge of most businesses is deciding if cutting cost is more appropriate than investing capital in hopes of a huge return. Here are a few ways to help maximize the return on your investment.

1) Sell or give out T-shirts with your logo - walking bill boards promoting your company.

2) Create high quality packaging - Clients will keep these bags versus throwing them away.

3) Marketing - Promote your company on social media, come up with a catchy slogan.

4) Mobile devises - Create a friendly user mobile site, easily accessible.

5) Trade shows - If you attend trade functions, get a corner booth, more traffic.

6) Employees - If you want good employees you have to pay them good.

This is only a few recommendations, I can spend a day discussing where to invest to maximize your return, but there is proof that the consistent failure in any business is the lack of capital! As a national direct lender, specializing in business loans, I can provide you with working capital you need to grow your company. Contact: Michael@MerchantBankingResources.com

#nationwide #funding #commercial #businessloans #quick #apply 1 page #application 24 hour https://mikeyourlender.blogspot.com/

Payroll

Employees are one of your most valuable assets, and without them you wouldn't be able to provide a service or produce products.

It is extremely vital you avoid missing payroll at all cost. If you do, your employees will seek other opportunities and you could face legal consequences.

My business loan can be used to provide working capital to cover payroll, expansion, purchase inventory or anything else and if your business is seasonal, we can help get you through the lean months.

To learn more, simple 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

Tuesday, December 18, 2018

Our Guarantee

When I structure a loan, doesn't matter if its a regular mortgage, commercial mortgage, or a business loan my goal is always to offer the very best in terms and pricing,,, period!

But there are many factors that affect this, few examples: Loan to value, (LTV), Debt to income (DTI), Net operating income (NOI), Debt coverage ratio, (DCR), length of loan, loan amount, length of time in business, is income steady, declining or increasing, are just a few factors I use in the decision process.

As a national direct lender, my processing team and underwriters are all in house. We do it all, from start to finish. This is why we can make a quick decision and fund fast!

We have a very high approval rate, over 85% renewal rate! I charge no origination fees, No points, and NEVER a fee or obligation to get pre-approved!

Please call me for your free consultation: Michael@MerchantBankingResources.com  nationwide #funding #commercial #businessloans       #quick #apply 1 page #application 24 hour #approval

Buy Vs. Lease

When should a business own versus lease?

Entrepreneurs know controlling cost and increasing equity is a formula for success and wealth creation, BUT many unwittingly ignore the opportunity to own their commercial real estate. Here are a few reasons if you don't own, you should consider these benefits:

1) More affordable than you think - We have programs that allow lower down payment and longer terms.

2) Appreciation - commercial properties have increased substantially over the past ten years.

3) Equity - With each payment you build equity versus money in your landlord's pocket.

4) Rental potential - You can lease a portion to offset cost.

5) Tax Benefits - allows deductions for interest and depreciation. Most experts agree if a company intends to be operational for at least seven years, then owning provides the better investment decision.

We can assist you in purchasing or refinancing your commercial property, simply contact: Michael@MerchantBankingResources.com   #commercial  #nationwide #funding  #approval https://mikeyourlender.blogspot.com/
email: mikeyourlender@gmail.com

Monday, December 17, 2018

DISCOUNTS?

Should your business offer discounts? Offering discounts certainly helps to attract customers to your business.

Offering discounts not only helps to increase sales but improves your reputation.

Discounts is simply a ploy to attract customers and by advertising a limited time period, people will feel the need to rush to your business to take advantage, thus increasing traffic and increase sales.

An additional way to boost sales and profits is to add an additional discount for customers who pay with cash versus credit or debit resulting in the elimination of processing fees.

Remember, a penny saved is a penny earned.

If your company needs funds to purchase in bulk to lower per unit cost and lower shipping cost, I can help, simply contact: Michael@MerchantBankingResources.com   #nationwide #funding  #commercial #businessloans  #grow your #money   https://mikeyourlender.blogspot.com/

Thursday, December 13, 2018

Cash & Accrual

It's year end and time to write off bad debt, but depending upon which method of accounting you use will determine if you can deduct bad debt. For example, if you use the accrual accounting method, you show income when you bill and not collect payment.

Under the cash accounting method, you can't deduct bad debt because you don't record income until you receive payment. How do you write it off? Only under the accrual method, it is simple. Prepare an accounts receivable aging report (shows how much is owed and for how long). total all the bad debts for the year (only the debts you know you cannot recover) then include the total of the bad debt on your business tax return, usually schedule C.

If you need an infusion of working capital to keep the business operating while you wait for payments to be received, my business loan can provide you with the necessary capital.

Simply 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

Monday, December 10, 2018

Tax Deductions

Do you know the difference between a tax deduction and a tax credit?

Not to worry, it's simple, a tax deduction reduces income in order to determine taxable income. for example, ($100,000 in sales, less $30,000 in expenses provides $70,000 in taxable income). A tax credit is a dollar for dollar reduction in the amount of tax a business owes.

For example, ($100,000 in sales, less $30,000 in expenses provides $70,000 in taxable income, let's assume a 20% tax rate for simplicity, now taxes owed is $14,000, tax credit of $1,000, results in taxes owed of $13,000) Tax credits certainly are more complicated than tax deductions for a businesses, and tax professionals can provide you with numerous benefits to maximize your tax savings.

Your business loan, the interest paid is tax deductible, so if you need working capital before the end of the year, I can help:

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, December 7, 2018

REVENUEPROFITINCOME

Revenue, Profit and Income, three terms many perceive as being very similar but in business they are different.

Revenue refers to money earned from your day to day operations.

Profit refers to financial gain after deducting amount spent.

Income refers to the actual earnings of the company after subtracting all expenses. To simplify, money received by accounting standards is revenue, then you have profit and what is left is income. (expenses + profits = Revenue, revenue - expenses = Profits, Revenue - Profit = Expenses) If your company can use working capital to increase production or expand operations,

I can help. Just 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