Mike Your Lender - NATIONWIDE

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Merchant Banking Resources

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Wednesday, October 17, 2018

Benefits

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 tree’s” 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/

1-808-259-1635 Direct

1-888-875-8918 Secure Fax

Merchant Banking Resources

Assertive or Aggressive ?

Assertive or Aggressive, both may be considered similar but in reality they are two very different traits. To be successful, it is helpful to be the one and not the other.

1) Assertiveness means you get to the point, you express yourself without fear.

Aggression appears as if you attack people with no regard for their feelings.

2) Assertiveness is never meant to hurt anyone.

Aggression is usually meant to hurt someone to fulfill something for the aggressor.

3) Assertiveness means valuing yourself as equal and showing respect to others.

Aggressor will use fear as a tactic to gain something.

In Management as in sales, the key is to gauge the correct level of assertiveness to move forward without slipping into an aggressive stance. When your ready to discuss funding for your business, 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

Tuesday, October 16, 2018

Optimize

Commercial property owners can use Technology to boost your NOI and here are a few tips:

1) Optimizing Energy consumption - HVAC systems account for 80% of usage, technology can quickly identify anomalies in consumption saving thousands annually.

2) Automating meter billing - Reduce human error, software can reduce cost and complaints.

3) Maintenance cost - Undetected issues can become major capital expenses, technology can track your equipment notifying you of failures and when routine maintenance is due.

4) Lowering demand - Knowing your buildings peak consumption period will allow you to develop a demand reduction strategy to lower cost and still operate efficiently.

5) Compliance - April 2015, Congress passed the Energy Efficiency Improvement Act, Thus taken the performance data and export it directly to compliance for certification.

When you need the funds to make improvements that will increase your NOI, I am here to help, simply 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

Working Capital!

You need an infusion of cash for your company but don't want to wait 45 - 60 days or want to pledge your personal assets with your business. We understand and can help:

1) No cross collateralization of your personal assets!

2) No personal guarantee!

3) No affect to your personal credit!

4) 24 hour decisions!

5) Fast Funding!

6) No prepayment penalty!

Imagine a lender working for you,our submission process unbelievably simple, undeniably impressive! For a no pressure discussion:

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, October 15, 2018

ROI-COI

Almost all my clients heard of ROI (Return on Investment) but there is one that is extremely important, that is COI (Cost of Inaction).

Real example, in 2000 Blockbuster had an opportunity to buy Netflix for $50 million, inaction to make a decision resulted in an opportunity lost that is valued at over $7 billion today.

Disruptions happen and you must learn to adapt, change and seize the opportunity, this is known as "pivoting".

Opportunities cost, but how much will inaction cost you in the long term if you don't move forward? I believe in every company and their vision and I want to be part of their success, use my funds to take action and seize the opportunity!

Michael Koprowski

Account Executive

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

1-808-259-1635 Direct

1-888-875-8918 Secure Fax

Merchant Banking Resources