Credit News

BOC Capital Corp. #loan #depot

#micro loans

Building a Business for Local Entrepreneurs Just Got Easier.

Building a business is difficult enough. Without access to traditional financing, it can be nearly impossible.

Every day, plans for business ownership falter due to credit obstacles.

BOC Capital Corp. aims to change this.

To help make entrepreneurial dreams a reality and to strengthen existing local businesses, BOC Capital Corp. now offers credit-related products for business development in NYC communities.

Founded in 2001, BOC Capital Corp. an affiliate of the Business Outreach Center (BOC) Network, is a not-for-profit Community Development Financial Institution (CDFI), SBA 7m Microlender and a certified Community Development Entity (CDE) dedicated to providing microenterprise financing, with a special focus on small-business, women, minority and immigrant entrepreneurs.

Thanks to BOC Capital Corp. local entrepreneurs now have access to flexible, customized loans-as well as ongoing business development assistance-to help with everything from supporting a new business, to taking an existing local business to the ‘next level.’ Plus BOC Capital specializes in financing small order-based design and production companies!

Now, local entrepreneurs have affordable, user-friendly loan products available to them, including:

  • Order-based loans – $500 to $50,000 loans to finance production costs related to purchase orders or cash outlays required to fulfill contracts;
  • Short-term loans – $500 to $25,000 loans with repayment terms shorter than one year for eligible business purposes;
  • SBA microloans – $1,000 to $35,000 loans for eligible business purposes;
  • Green Business Loans – $1,000 to $50,000 for environmental businesses and projects improving energy efficiency of existing businesses.
  • Capital Access Revolving Loan Guaranty Program – provides up to a 40% guarantee on loans for qualified NYC micro- and small businesses experiencing difficulty in accessing loans. This loan product is made possible by NYC EDC. For additional information visit and contact us today.

BOC Capital Corp.’s flexible financial products for entrepreneurs also integrate the training, business counseling, and technical assistance of the BOC Network to help prospective borrowers in:

  • Identifying credit challenges
  • Business planning
  • Marketing
  • Early-stage business development
  • Business expansion and
  • Business and financial management.

All applicants of BOC Capital Corp. are thoroughly reviewed by its loan committee comprised of small-business development and lending professionals.

To learn more about BOC Capital Corp. please contact:

(718) 625-1296

Red Cross personal alarms #capital #alarms, #personal #alarms


Red Cross personal alarms

This service is available in Tasmania and the Australian Capital Territory.

Peace of mind for those living alone

Live with confidence in the knowledge that help is always at hand. A Red Cross personal alarm gives you access to emergency help in your home or garden, 24 hours a day, every day of the year. The service can assist you to continue living at home safely with independence and peace of mind.

Is this service for you?

This service is for people who are elderly or have a disability and are at risk of a sudden illness or fall that may go unnoticed.

About the service

The personal alarm service incorporates a small personal alarm button and an alarm unit. The button is light weight, water resistant and can be worn as a pendant or on the wrist. It works anywhere around the home, even in the garden or shower.

When the button is pressed a signal is sent to the alarm unit, causing it to automatically dial the monitoring centre. A trained Red Cross staff member will attempt to talk to you via a microphone in the alarm unit and will arrange the most appropriate form of assistance. If you don’t answer, they will always ensure your wellbeing by arranging one of your nominated contacts to visit you promptly. If they are unavailable, an ambulance service or other appropriate help will be called to assist you.

The service is suitable for most people including those with speech, hearing or sight deficits and those with limited English.

It does not interfere with your phone or computer and there are trigger options for people with individual needs such as quadriplegia, epilepsy and those at high risk of falls.

This service is available through both the National Disability and Insurance Scheme (NDIS) and My Aged Care .

Contact us for more information

Top 1, 359 Complaints and Reviews about GE Capital (formerly GE Money Bank) #students #loans

#ge loans

Consumer Complaints Reviews

Every since Walmart changed from GE Capital to Discover and now to this joke of a bank this has been very trying and tiring with them. My account with Walmart was very, very good. My limit was high and unbeknownst to them they changed my credit card without notifying me and when I tried using it one Christmas the charges was denied so I had to pay with another form of payment. I don’t like this bank, they are rude when they call and heaven forbid if you miss one day not one month one day they’re are calling like they are about to go bankrupt or something.

This is the last straw today I got a phone call from Walmart saying that I am behind on my payments and when was I going to pay, and replied saying “you must be mistaken because I paid the balance over the phone with one of their reps on May 30, 2015 and it cleared my bank on June 1, 2015”. She put me hold and came back and said that there is no record of me paying and said “you need to look again”. I gave her the confirmation number and still not there, so I told her to hold while I checked my bank account and it clearly says paid to Synchrony bank and even my bank representative confirmed it being paid. She wants me to send a fax of that I replied “why I have to do your job follow up with the confirmation number”.

I made my complaints known to her that I don’t like them, they are a horrible company and anyone who has credit with them may need to rethink using them. I have not used my card since I paid them off. So tomorrow I have to go to my bank and retrieve a statement and have to pay money for this statement and send it to them because I am not paying one damn dime to them and if that statement does not help them and they mess with my credit then there will be a lot to pay for. I’m just saying can someone say lawsuit, I can. Signed, mad and angry.

How do changes in working capital affect a company – s cash flow? #working #capital #small #business


How do changes in working capital affect a company s cash flow?

Working capital represents the difference between a firm’s current assets and current liabilities. For well-run firms, managing working capital is simply a daily occurrence that can be handled easily. For other firms, the way the process is handled can indicate financial distress.

The impact of working capital changes are reflected in a firm’s cash flow statement. Specifically, the operating cash flow (OCF) section of the cash flow statement details changes in its shorter-term working capital needs. A positive working capital figure (current assets are greater than current liabilities) means a cash inflow for the period measured. In contrast, a negative working capital position means the firm has spent more cash out than it brought in managing its working capital, or commitments, within a year. Analyzing changes in working capital can be important for any business, but is especially important for firms with seasonal or erratic cash flow needs.

For instance, retailing giant Wal-Mart Stores Inc (WMT ), like most retailers, spends a considerable amount of working capital prior to the holiday season.

Looking at Wal-Mart’s 2016 cash flow statement for the fiscal third quarter ended October 31, 2016, we can see that it spent $6.57 billion (reflected as a cash outflow) on inventory. This contrasts sharply with the other three quarters. In its first and second quarters, spending on inventory was minimal and came in at $264 million and $791 million (both cash inflows), respectively. In the fourth quarter, inventory decreased by a wide margin and the change in working capital was favorable as it went up from -$10.73 billion to -$9.24 billion.

As another example, let’s look at Blockbuster, the video rental chain that went bankrupt, had a working capital situation that was much grimmer. In fiscal 2010, its change in accounts payable and accrued expenses totaled a cash outflow of nearly $250 million and it came following a reported loss of close to $600 million. At the time, cash on hand was only $190 million. With a negative working capital, the company was not able to meet its short-term obligations. Later that year, the firm filed for bankruptcy.

Most of the time, a company’s working capital is simply a core part of its daily operations. But it can indicate financial problems, especially when working capital runs in the negative for an extended period of time.

Learn under what circumstances negative working capital can arise and what it means when working capital stays negative for. Read Answer >>

Find out what working capital is used for, including how to calculate this financial metric by subtracting current liabilities. Read Answer >>

Find out the significance of working capital management for a company and look at the working capital ratio analysts use. Read Answer >>

Learn about a company’s working capital; good working capital management is essential to maintaining a company’s liquidity. Read Answer >>

Learn about the cash flow statement and cash flows from operating activities, and observe some examples of cash flows from. Read Answer >>

Understand how working capital may affect a company’s financial strength and investment effectiveness, as it changes from. Read Answer >>

Business Loans, Short Term Loans, Working Capital #consolidate #debt

#poor credit loan

Over the years we have built our reputation on trust and integrity. Call now and see why we are “America’s Connection to Business Capital.” Whether you have excellent credit, low credit or bad credit scores we can help your company get the business capital it is looking for. We get more business owners capital with lower payments and better terms even if you’ve been turned down elsewhere. You won’t get passed around from person to person. We are easy to work with and always treat you with respect.

Business Owners Get Working Capital $5k – $600k In 48 hrs Or Less.

“From the start Multi Vision Financial was everything I expected from being very responsive, knowledgeable and professional with helping my restaurant get some much needed capital. They really helped me when my bank would not extend my line of credit.” – Richard K

Get Working Capital $5k – $600k In 48 hrs Or Less.

Over the years we have built our reputation on trust and integrity. Call now and see why we are “America’s Connection to Business Capital.” We get more business owners capital with lower payments and better terms even if you’ve been turned down elsewhere. You won’t get passed around from person to person. We are easy to work with and always treat you with respect.

Business Cash Advance #vmc #capital, #merchant #cash #advance


Business Cash Advance | What is it?

VMC Capital now offers Business Cash Advances —the cash advance option for businesses that don’t deal with credit processing. Finally, you can get the fast cash you need without having to rely on credit card sales, or without changing your existing credit card processing vendor.

Instead of money being repaid to VMC Capital through credit card sales, businesses repay what they owe directly through their banking institution in the form of daily payments. The payback amount is set before the contract is signed, so there are never any surprises, just cash when you need it, where you need it.

And like a Merchant Cash Advance, VMC Capital can provide you anywhere from $5,000 to $2,000,000 within a few business days, depending upon your business’ needs.

How Do You Qualify?

VMC will determine whether or not your business qualifies for a cash advance based upon its promise for future profits, not your personal credit history. Advances are not given to businesses in need of a bailout or looking for start-up funds. But, if your business is strong, and in need of capital for anything from purchasing inventory to expanding a marketing campaign, VMC will provide the funding to increase your cash flow and make the improvements you need.

VMC is thrilled to expand the ability to acquire funding for small business operations. If your business could use a business cash advance or you would like to learn more contact VMC Capital at 855-388-1113.

EZ Commercial Capital Business Loans #bank #of #baroda #home #loan

#ez loan

Get Started Now!

Loans from

$5000 to $500,000

In a business world that’s constantly changing and increasingly complex, there is one constant. Your business needs capital to grow.

However, in today’s banking environment, financing for your business can be a challenge. That’s why EZ Commerical Capital offers unique solutions tailored for your specific business needs. We will work with you to determine the right financial fit for your business, whether that’s a small business loan, line of credit, or a merchant cash advance.

With both fixed and flexible repayment options, our financing products allow you to remain in a favorable cash flow position so you can continue operating—business as usual. Better yet, you can qualify for additional working capital even before you have paid the loan in full.

EZ Commercial Capital has direct relationships with dozens of the largest alternative lenders and investors in the United States today. Our goal is to add value to your business financing by offering a wide range of financing solutions and direct access to top national, regional, and local lenders.

We work with every type of scenario that comes up. Once we receive your application, we will roll up our sleeves to secure you the most money possible for your business. Choose from lenders/investors in your local area beyond that want your business.

GE Capital #how #to #consolidate #student #loans

#ge loans

GE Capital

The Capital Difference

At GE Capital we re not just bankers, we re builders. We provide smart financing and the know-how of GE to help our customers capital go further and do more. GE Capital is an extension of GE s rich heritage of building and supporting growth. Investing in the sectors we know best, we can provide more than just financing: we bring insight, knowledge, and expertise to every loan. And as a result, businesses that finance with GE Capital benefit from the global know-how and expertise of GE. Around the world, we re helping our customers to invent more, to make more, to sell more, and to do it all with greater efficiency. We re helping companies in ways that no other bank can. Because we re GE. Any bank can help you finance. Only a builder can help you grow.

Invested in our customers success

Our business model is different from most other financial institutions. GE Capital focuses on industries in which we have industrial capabilities. Rather than generate fees by originating loans and leases we then sell to third parties, we primarily underwrite loans and leases that we plan to hold on our own balance sheet. This fact underscores the confidence we have in our customers.

Serving companies of all sizes globally

We help our business customers to purchase, lease, and distribute equipment, and we find them the capital they need for real estate and corporate acquisitions, refinancing, and restructurings. Our expertise in serving mid-sized companies is unparalleled.

Cross-category leadership

GE Capital is experienced working with a number of industries, from aviation, healthcare, and energy financing to fleet, franchise, and middle market corporate finance. We are also experts in helping our customers manage the entire life cycle of their assets-from selection, to acquisition, to maintenance, to disposition-whether those assets are a fleet of cars and trucks or a fleet of commercial aircraft.

A secure and stable business

GE Capital has diversified, global sources of funding based on its strong creditrating, including short-term and long-term debt as well as consumer deposits. Most of GE Capital s commercial loans are to mid-sized companies, spread across multiple industries and geographies and secured by tangible assets to reduce risk. More than 70% of GE Capital s loans are under $100 million, which minimizes our exposure and provides a vital source of lending to businesses.

USDA Section 538 Multifamily LoanBonneville Multifamily Capital #loan #mortgage #calculator

#usda loan program

USDA Sec. 538 Loan Program

New Construction or Substantial Rehabilitation

USDA Section 538 Loan Program

90% Federally-Guaranteed Financing

The goal of the USDA Section 538 Loan Program is to encourage commercial financing to foster the development and rehabilitation of low income rental housing in rural areas that is affordable and competitive in the market.

Through a two stage application process, we the lender, will guide and assist you to ensure the packages are properly prepared for the USDA. The first step is a quick, no-cost, pre-application package called the a “NOFA (Notice of Funds Available) Response”.

Upon USDA approval of the NOFA, the second step is a comprehensive application review that requires the borrower to pay a $3,500 loan application fee.

Once the USDA has reviewed and approved the application, they issue their firm commitment known as a Conditional Commitment. The entire process typically takes 45 – 120 days depending on the state office.

The benefits of the USDA Section 538 Loan Program include:

Personal Loans For Bad Credit Baltimore MD – Green Leaf Loan Group, Baltimore MD Personal Loans For Bad Credit, Baltimore MD Retail Banks, Baltimore MD Unsecured Business Loans, Baltimore MD Working Capital Loans #loan #rates

#small loans for bad credit

Personal Loans For Bad Credit Baltimore MD

Personal Loans For Bad Credit, Baltimore, MD, Greenleafloangroup and Unsecured Business Loans

Personal Loans for Bad Credit

Green Leaf Loan Group Helps People with Bad Credit

Personal loans for people with bad credit. We help people with bad credit get personal loans and personal payday loans. Our loans are quick and online, so if you need a personal loan then we are here for you with no credit check.

Local Companies

12 East 25th Street

Baltimore, MD

ATM Fees

monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.

ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. This fee can be waived on your first two withdrawals each month by maintaining an average balance of $2,000.00 between your ‘Spend’ and ‘Reserve’ Accounts.

ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact PNC Bank for details.


Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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