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Volume 4, Issue 1 November, 2014
November 28, 2014

Here is your issue of BM$ Success Newsletter – the companion newsletter to the "Business-Money-Source" website.


This Month’s Featured Business Financial Product:

Working Capital Loans

What is Working Capital and How Can It Help Grow Your Business?

Working capital is a general term that simply means money that you have put to work to operate, maintain, grow or expand your business. Without a consistent influx of capital, your business will wither and die on the vine. This capital normally comes from the revenue generated from the sale of the goods and services of a healthy business.

However, during this relatively weak economy when sales may be down or when a company is just starting up, sales revenue may not be sufficient to support day-to-day operations. When this situation arises, and it does for almost every business at some time of another, you will need to look elsewhere for working capital in order to continue business operations.

The bad news is most business owners don’t know where to go to get the working capital they need. The good news is that a financial intermediary, such as Business Money Source works with numerous funding sources that can provide capital for your business in almost any situation.

Business Money Source in now offering two exciting new loan programs by which business owners like you can obtain working capital for as little as $10,000 to as much as 1,000,000!

Unsecured & Secured Short Term Business Loan

The first program is a short- term business loan, sometimes called a bridge loan. Loans for $100,000 or more will require some collateral to secure the loan.

Please visit the Business Money Source website to learn about this program: Short-Term Business Loans & Bridge Loans

An Example of How An Unsecured or Secured Loan Can Be Used:

The Problem:

An experienced real estate investor, Jake B. has two properties for sale with $50,000 equity tied up in each property. He has a third property that needs $50,000 worth of renovation to make ready for sale.

The Solution:

Jake contacts Business Money Source and tells us that he has $100,000 coming as soon as his properties sell but he needs $50,000 now. Business Money Source arranges a $50,000 unsecured short-term bridge loan. Jake renovates the 3rd property and repays the loan with proceeds when one of the other properties is sold. The short-term business (bridge) loan allowed him to proceed with his investment plan while his working capital was tied up in other properties. He recovers $100,000 in working capital plus his profit when he sells the two properties. He repays the $50,000 bridge loan plus interest & costs.

End Result:

The short-term business loan allowed Jake to move from a stalled position (two properties waiting to sell and no working capital) to being able to move forward with enough working capital to invest into a third property and still have capital to start acquiring a fourth property. Apply for a Short-Term Business Loan

Business-Line-Of-Credit (BLOC)

The second program is a business-line-of-credit or BLOC. A business line-of-credit can be obtained for any amount from $10,000 - $1 million. The BLOC must be secured by real estate and your business must have been operational for at least 3 months.

The BLOC is much like a credit card in the sense that you have an upper limit. For example: $100,000. You may use that any portion of that amount for your business. You only repay the portion that you have used.

Please go to our website to learn more about a business line-of-credit: Business Line-of-Credit

An Example of How An Business-Line-of-Credit (BLOC) Can Be Used:

The Problem:

A restaurant owner, Susan H. has a growing business in the downtown business district. The bulk of her business is the Monday through Friday mid-day lunch crowd. The diner is becoming increasingly popular with local office workers; so much to the point that increasing wait-times for service is beginning to cause customers to complain.

The over-crowding crisis occurs during the prime revenue-producing hours from 11:00 am – 3:00 pm. How can she keep her customers happy by decreasing their time to wait for tables?

The Solution:

Susan knows that each table of 4 will turn over approximately every hour or 16 customers will be served per table during the 4-hour period. The restaurant has a large room off to one side, that is not being used, except for storage.

Susan realizes that the unused storage room could solve the problem. The additional space would be room for 10 more tables, which would mean 40 additional seats. That would cure the wait-time problem. It would also significantly increase her daily revenue.

The restaurant expansion is a straight-forward renovation which requires removing a wall, clearing out the stored items, paint ceiling & walls, sand & vanish the floor and add lighting, tables and chairs. Susan determines that the work can be completed over the course of two weekends and few nights, which will limit disruptions during the prime lunch hours. She finds out that the work can be done for $75,000. The heating and A/C will have to be upgraded also to handle the additional space. That will cost another $25,000.

Susan contacts Business Money Source who arranges a business-line-of-credit or BLOC for $100,000. She has two rental properties that she uses to secure the BLOC. Susan uses the BLOC as needed to complete the expansion and repays the line-of-credit from the new revenue.

End Result:

The $100,000 BLOC allowed Susan to increase seating capacity by 160 more customers (4 seats/table X 4 hrs) If each customer spends an average of $10.00 (conservative estimate), the restaurant’s revenue would increase by $1600/day or $8,000 during the 5-day workweek.

Susan has increased the value of her business, given herself a substantial increase in revenue, given her employees raises and protected her restaurant’s brand by eliminating a cause of customer complaint, all with a Business Line-of-Credit.

Apply for a Business-Line-of-Credit (BLOC)

If you are in business and not sure that a short term business loan or a business line of credit is right for you but you know that you need some kind of business financing, please contact Business Money Source with the form below and we will review your particular situation and arrange business financing that makes economical sense for you. Send us your loan proposal:
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Until next month!


Jim Bullock

Business Money Source, LLC P.O. Box 16096 Richmond, VA 23222

(804) 396-3040

“Your One Stop Online Business Information Source”

Twitter: @bizmoneysource

Disclaimer: The content contained in the BM$ Success Newsletter is provided for informational purposes only. It is incumbent upon the user of the information to seek appropriate financial and/or legal counsel before entering into any financial transaction. Business-Money-Source, LLC nor its' principals are in no way liable for your financial transactions. See the “Disclaimer” and "Terms of Use and Privary Policy" pages on the Business Money Source website for further explanation.

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