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Game Changing. No Brainer Financing.

Updated on March 12, 2016

Here's the Problem on So Many Levels

It is not uncommon for businesses of all sizes to have temporary cash flow issues, especially during their first few years of operation.

At some point, even after becoming an established business, additional working capital needs may occur. Examples include, but are not limited to, increased production costs as a result of increased demand for your product, the need to cover added payroll costs due to increased hiring resulting from company growth, improvement in your marketing budget in order to enter into new markets, further investment into R&D, or the purchase of capital equipment; all of which are good—in and of themselves—and speak volumes regarding the expansion of your business. But each will require additional cash as an asset on your balance sheet.

While this is arguably a nice predicament to be in from a business perspective, it could occur at such a fast rate, that if not managed properly could result in lost revenue, because you were unable to meet demand, or pay your employees, or worst yet, your business credit hasn't reach a satisfactory level for any bank to be willing to extend you a loan to cover it all.

From a 501c3 perspective, a non-profit organization may have similar financial pressures from the combination of reduced donor revenue and higher costs in managing its operations. The axiom of "it's better to own than to rent" applies in both the public and private sectors, and non-profit entities are no exception.

Yet the same holds true for individuals and families. Regardless of your political persuasion, we all can agree that the middle-class in America has been shrinking for the past decade, and probably even longer. The old adage of "the rich getting richer, and the poor getting poorer" persists in our economy. The average household is $15,000 in credit card debt alone—according to a Harris Poll as of November 2015.

And according to U.S. News & World Report, "With 17 percent of borrowers behind in their payments or in default on the nation's $1.2 trillion in college loans, it's not surprising that student debt is emerging as a campaign issue for the 2016 election. It's not only an important public policy problem, but also a matter that resonates with young millennials and might lure them to the polls on Election Day, according to a Washington Post analysis on May 24."

So this plight of needed funds to expand a business, fuel a ministry, finance a major project, expunge high credit card debt, or payoff students loans begs the question. Can people, charities, churches, businesses or even our country really afford to survive by incurring more debt?

We saw what happen as a result of the Great Recession of 2008. We know that banks are now not going to loan more than 80% of a requested loan amount. We also know that venture capitalists and angel investors are going to want an equity stake in the businesses they invest in. And we know that public and private universities and colleges are NOT going to forgive student loan debt. More importantly, we all know that they all (banks, venture capitalists and angel investors, and institutions of higher education) are going to want 100% of the money they provide—paid back in full—and with interest.

So what in the world are we supposed to do; voluntarily go into bondage with creditors due to an overwhelming debt crisis? Or is there a better way to obtain freedom, be set free and avoid this type of captivity?

An Unprecedented Solution

Whether you are a large or small business seeking much needed working capital for a major project, or if you are a church desiring fundraising, a student needing financing for college, or to payoff student loans, a family wanting to buy your first home, or expunge high credit card debt, a new or existing business, an entrepreneur or start-up in need of seed funds, then look no further.


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