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Bridge Loans – Western Capital Funding #scholarships #for #college


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Bridge Loans

From plan to project

Do you own a property and are looking to expand or purchase a larger location? Are you searching for a quick financing solution that will get you from point A to point B until you are able to secure more permanent funding? Western Capital Funding offers just the type of financing you need.

A bridge loan is a type of loan used by a company to bridge a gap in financing until the company obtains more permanent funding for an existing project or obligation. Commonly used to assist with immediate business needs for capital, debt, improvements or real estate transactions, the bridge loan is usually a short-term loan but it can range between a few months to a few years. Most often, a business will take a bridge loan for real estate purposes in order to renovate or save a property from foreclosure or to assist in a quicker closing on a property.

Western Capital Funding can assist your business in securing a bridge loan with financing as high as $1 million to $100 million. Depending of your business needs, a bridge loan might be the right choice for you.

Among the many benefits of securing a bridge loan are:

• Easier and quicker to obtain than a long term loan

• High value loan ranging from $250.000 to millions of dollars

• Interest rates from 9 to 14 percent

• Lower overall cost to business when compared to other loans

• Low income documentation required to apply

• No early repayment penalty


Western Sky Financial Sued for Charging Interest Rates as High as 355% #debt #relief


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About

Western Sky Financial, a South-Dakota-based online lender that’s become infamous for its sky-high interest rates, is finally being sued.

New York State Attorney General Eric T. Schneiderman announced Tuesday that his office has filed a lawsuit against Western Sky for charging rates that far exceed what is permissible under New York law. According to the Schneiderman lenders not licensed by the state of New York can’t charge an annual interest rate greater than 16 percent. Western Sky charges interest rates as high as 355 percent.

Yes, you read that right: 355 percent.

You may have seen Western Sky’s TV commercials. which play up the company’s Native American heritage (it has ties to South Dakota’s Cheyenne River Sioux tribe) and tout the fact that you can get up to $10,000 in one day without collateral. But eagle-eyed viewers who actually read the fine print will have noticed the shocking cost of that easy money: “The APR for a typical loan of $10,000 is 89.68%, with 84 monthly payments of $743.99.” Do the math, and you realize that borrowers who take the $10,000 wind up paying back $62,495.16 over the life of the loan.

And that’s not even the most exorbitant interest rate charged by the company: the New York Attorney General’s office points to a sample loan of $1,000 which requires repayment of nearly $4,000 in just two years — a 255 percent interest rate. By way of comparison, even less attractive credit cards tend to charge between 15 percent and 20 percent.

The one thing to be said in Western Sky’s defense is that it makes no great effort to conceal the high cost of its loans, a fact acknowledged by the Better Business Bureau. Still, there’s an argument to be made that loans of this type are inherently predatory. Western Sky even suggests in its commercials that its loans are “enough to pay off your payday advances.” In other words, it’s targeting people who are already buried in high-interest debt.

What Western Sky offers these indebted consumers is time: Unlike most payday lenders. its loan periods range anywhere from one to seven years, which means you can get your short-term lenders off your back and pay off your debts over a far longer period. Unfortunately, the cost of this breathing room is that you’re ultimately paying many times what you owed in the first place.

And unfortunately, desperate consumers are indeed taking on these loans.

“Since 2010, the companies have made at least 17,970 loans to New York consumers, lending more than $38 million in principal,” says the Attorney General’s office in its statement. “New York consumers owed more than $185 million on these loans in finance charges alone.”

The lawsuit, which also names CashCall Inc. and its affiliate, WS Funding LLC — the companies which actually provide the loans — seeks to stop the companies from offering loans to New York residents. It also wants them to cancel any currently outstanding loans, and repay borrowers any interest and fees charged above the legal limits, as well as any other illegal charges.

In a statement obtained by Bloomberg. the company insisted that as a Native American-owned company, it’s subject only to the laws and jurisdiction of its tribe. Curiously, its website also says that its loans aren’t available to residents of 22 states, including New York — a statement that seems at odds with the Attorney General’s contention that it had made loans to nearly 18,000 New York state residents.

In its own statement, Western Sky describe the charges as “without merit.”

It’s not clear if we’ll see similar lawsuit from other states, most of which don’t have New York’s tough criminal usury laws. But it’s good to see some push-back from at least one state capital on behalf of desperate consumers who have been stuck with outrageously expensive loans.


Western Sky Loans – Check Cashing #holiday #loans


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From the business

Specialties

Western-Sky-Loans.com is in no way affiliated, sponsored or in any way the property of or responsibility of www.westernsky.com. Western-Sky-Loans.com is not a bank or lender of any kind. All information you provide us is used in securing you a payday loan from one of the many banks/lenders we represent. The personal, financial and employment information that we collect is stored electronically during the duration of the application. All financial and employment data is immediately removed from our system upon acceptance of your application from the bank/lender that approves your application. Acceptance of your application does not mean approval. We will work diligently to secure you a payday loan. There is no charge to you for this service.

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Western Sky Loans #personal #loans #interest #rates


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We Can Help You Find a Loan Quickly

Everybody gets hit by a sudden financial demand at some time. There are all kinds of emergencies that can crop up without warning. Your car can breakdown, and you have to get it fixed straight away because you need it for work. Or expensive, but necessary, white goods, such as washing machines can die, and need to be replaced or repaired straight away.

Maybe you have a medical or dental emergency that is not covered by insurance. If an old filling falls out and has to be replaced by a dental crown, you will need to come up with the money quickly to prevent infection problems.

Unfortunately, lots of people do not earn enough money to be able to save some every week or month. When an emergency crops up, they have no savings to call on, and they can struggle to raise the money. That’s where we can help.

Unlike banks, who will check your credit rating and can take days to process a loan application, we can match you with a lender who will give you a decision much more quickly. Just fill out the application form on our site, and we will match you with a lender. That lender will decide quickly whether or not you will be offered a loan. The whole process is fast, efficient, and most people who qualify are offered loans.

The eligibility criteria are pretty simple. All we ask is that you are living in the U.S. that you are 18 years or older, have a bank account, and that you have a regular income. It does not matter what the source of the income is. As long as you can prove that you get a regular check, you should be able to borrow money.

We connect to a network of lenders. Those lenders will evaluate your application quickly, and will offer you a loan provided you are eligible. Normally, you will get approval without having to provide any documentation. Sometimes, a lender may ask you for additional information, and might ask you to fax it.

Once you are approved, and have agreed to take out the loan, the money will be transferred into your bank account.

Western Sky Loans is a facilitation service that matches borrowers with lenders. We do not lend money to clients. Instead, we process your loan application and forward it to suitable lenders. When you receive a loan, your contract and debt will be with the lending company and not with Western Sky Loans. You should ensure you read the lenders terms and conditions carefully before agreeing to the loan.

Western Sky Loans does not charge our clients any fee. Our service to you is completely FREE. Lending companies pay us, but they do not pass the cost on to you, the borrower.

The amount of interest you pay will depend on the company you borrow from, the amount you borrow, and the length of time before you repay the loan. These types of loans have high interest rates, but are meant to be paid off after very short time periods, so the amount of money you pay should not be excessive.

Why Choose Western Sky Loans

Searching for a reputable payday loan company that offers competitive rates and is trustworthy takes up a lot of your time. You can visit the websites of many different payday loan companies, and you will need to type in all your details over and over again.

There is a much better option. All you have to do is fill in an application form just once here at the Western Sky Loans. We then match your requirements with a large number of loan providers. We let you see what each company has to offer, making it easy for you to compare offers from various companies.

When you see an offer that you like, all you have to do is click on it. You will see full details of the offer, including the interest rate and any fees you have to pay. After you carefully read the terms and conditions, you can go ahead and accept the offer. It’s as easy as that.

Trust and Confidentiality

Apart from the convenience of only having to enter your details once, and being able to see offers from various companies, you are assured of absolute confidentiality when you use our site.

We do not store any of your details, or process any of your data. We are an intermediary between you and the lender. Only the lender gets to store and work with your data. We only use the most reputable lenders who comply with both federal and state financial regulations.

In the time it takes you to make just one query with a lender, you could obtain quotes from dozens of lenders by using the service we provide here at Western Sky Loans. Imagine how long it would take you to get quotes from just 10 lenders if you go to their websites directly.

You would have to enter you name, your phone number, your address etc. 10 times. Even if you cut and paste your details, you are looking at spending several hours getting quotes.

On the other hand, if you do it the smart way, it should take you a little over five minutes to do the same thing here on Western Sky Loans. That is a huge time saving. On top of that, you get to see a range of possible loans you can get.

Rapid transfer of funds

Once you are approved, your loan will be sent by electronic transfer, and the funds will be available in your bank account the following working day. If you need those funds to deal with an emergency, the rapid transfer will be a great help to you.

It does not cost you one cent to use our convenient and express loan application service. We charge no fees, and all our associated lenders do not add on a premium if they arrange loans for clients we refer.

We care about you

We put the customer first. We try to make getting a payday loan as quick and as simple as possible. Instead of dealing with dozens of different companies, when you deal with us we do all the hard work for you. That frees up your time and makes the whole process of getting a payday loan so much simpler.


Western University of Health Sciences, western university college of optometry.#Western #university #college #of #optometry


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Featured Story

Western University of Health Sciences President Daniel R. Wilson, MD, PhD, announced at his Inauguration that WesternU will move forward in bold new directions while using its foundational values of humanism and scientific excellence as its compass.

WesternU combined Wilson’s Inauguration ceremony with Convocation, the traditional opening of the academic year, on August 12, 2017 at Fairplex in Pomona, California. WesternU welcomed nearly 1,000 new students

BEST IN COLLABORATIVE HEALTH CARE SERVICES

As the first facility of its kind in the area, the WesternU Patient Care Center offers:

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795 E. Second Street, Pomona CA 91766

The Pet Health Center is a full-service veterinary hospital offering a variety of services, including preventive care, vaccines, routine surgeries such as

spay and neuter, and dental cleanings.

Call today for an appointment.

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611 E. Second St., Pomona, CA 91766

Monday-Friday: 7 a.m. – 6 p.m.

Saturday: 8 a.m.-Noon, 1-3 p.m.

WesternU Events

WesternU Center for Health Innovation – Symposium

WesternU Center for Health Innovation – Exhibition

Philip Pumerantz Distinguished Lectureship

Columbus Day – Campus Closed

Martin Luther King Day

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Interprofessional Education (IPE)

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Collaboration and teamwork among health professionals are important aspects to the delivery of high-quality patient care. A landmark report by the Institute of Medicine suggests health care workforce preparation should include interprofessional education (IPE).

State of the University 2017

Western university college of optometry

Western University of Health Sciences President Daniel R. Wilson, MD, PhD, gave his first State of the University address March 1, 2017, offering a message of inclusion, celebration and collaboration to sustain and expand WesternU as the nation’s most nimble, innovative and audacious graduate health sciences university. Click to read more…

WSCUC Steering Committee

Western university college of optometry

WesternU has created a committee to help guide the University through its accreditation reaffirmation cycle, which concludes in 2018. The WSCUC (WASC Senior College and University Commission) Reaffirmation Steering Committee consists of 12 members representing a cross section of the University.

Follow this link, http://www.westernu.edu/ire/ire-accreditation/wscuc/, for FAQs and answers, a list of members, and to track the committee’s progress. Later this year, the WesternU community will be invited to provide input for the University’s Institution Report to WSUSC.

WesternU News

WesternU launching Center for Innovation Sept. 6

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WesternU’s Presidential Symposium examines humanism in medicine

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WesternU faculty contribute to Journal of the American Association of Nurse Practitioners

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RECENT ALUMNI NEWS:

Western university college of optometryChesapeake Urology welcomed urologist Joel E. Abbott, COMP ’09, a specialist in the diagnosis, treatment and management of large and complex kidney stones, to the practice’s Glen Burnie office Read More

  • Contact California
  • Pomona, CA campus
  • 309 E. Second St.
  • Pomona, CA 91766-1854
  • (909) 623-6116
  • Campus Security
  • (909) 706-3000

Western university college of optometry

  • Contact Oregon
  • Lebanon, OR campus
  • 200 Mullins Dr.
  • Lebanon, OR 97355
  • (541) 259-0200
  • Campus Security
  • (541) 968-4840

(C) 2017 Western University of Health Sciences. All Rights Reserved


Big Sky Western Bank #personal #finance


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Loan Application

Please complete an application for the loan or line and submit it to any Big Sky Western Bank office. Simply call 587-2922, contact us. or visit any Big Sky Western Bank SM office so you can say YES to yourself today!

Vehicle Loans

Big Sky Western Bank offers lending programs to purchase or refinance a new or used vehicle including cars, trucks, pickups, sport utility vehicles, recreational vehicles, and more.

Personal Loans

When you need extra cash for whatever reason, we can set up a personal loan for you. Collateral for these types of loans can be Big Sky Western Bank certificates of deposit, real estate, and vehicles. (Or can be done unsecured – On Approved Credit -).

Home Equity Lines of Credit and Loans

A Big Sky Western Bank SM Home Equity Loan or Line of Credit is an agreement where the borrower(s) uses the equity in their home as collateral for the loan / line. Home Equity loans and lines are the most popular methods for consumers to finance home improvements, invest in more property, manage their personal cashflow, purchase vehicles or consolidate debt, and usually at a lower interest rate. Home equity loans are for a specific amount and are amortized / paid over a defined period of time. A Home Equity Line of Credit is a revolving line of credit accessed by Online Banking or through checks. You can make major purchases, pay off debt or use for any other purpose to manage your personal cashflow. Generally these loans and lines are the second mortgage on your residence, but can be a first mortgage, or possibly a mortgage on a second home.

A Big Sky Western Bank SM Home Equity Line of Credit could open up a new world of financial independence for you. It’s easy. By borrowing against the equity in your home, you create a line of credit that you control.

For example. If you establish a $15,000 home equity line of credit, you access these funds by simply writing a check. If you write checks totaling $2,500, you only pay interest on that amount. You still have $12,500 available to use. Pay down your line and use these funds over and over again. It’s that simple. like approving your own loan whenever you want.

Why should you obtain a Home Equity Loan or Line?

One of the biggest advantages of a home equity loan or line compared to a vehicle or consumer loan is the possible tax deductibility of the interest paid on these loans — consult a competent tax advisor.

Click here to access our easy to use Online calculators. to help you solve some common financial problems. If you find these calculators useful, be sure to bookmark this page or suggest it as a link to your favorite home page or search engine.


Western Michigan vs USC Football – Live Stream, Ticket, Schedule Online #western #michigan #online


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We are watching the greatest show in the world, the big entertaining match in NCAA game Western Michigan vs USC Football Live Stream. Now the game is going to be your favorite. It is eassy to say you are also excited to enjoy your favorite game. We had noticed that Western Michigan vs USC Football played many more match. This two team are ready to beat each other one more time. And this time it is more fighting than past. Hopefully you will get all entertain from this match to street to finish. Watch NCAA Football Championship 2017 Live Stream streaming as well as online can be coverage through server including hd channel.

Western Michigan vs USC Football Live Stream

The National Collegiate Athletic Association (NCAA) is a biggest and greatest event. It is very popular game. You can get assess to watch favorite game Western Michigan vs USC Football Live Streaming online. You can also access the live stream TV channel, Espn, Fox Sports, Sony Six, Star Sports and so on. Not all all, You have also a good news, you can watch The Western Michigan vs USC NCAA Game highlights. So, you can watch this match from us. Western Michigan vs USC will telecast on Espn3, Btn,Espu,Vers, Fsn, Tmtn, Abc, Nbc, Cbs, Fcs, Cbs, Nbc, Fox, Espn.


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Western Sky Personal Loans- Don – t Let the Sky Fall on You #study #loan


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Western Sky Personal Loans- Don t Let the Sky Fall on You

As I was doing research for last week’s post on payday loans. I ran across the Western Sky Financial website .  I had seen the ads for these personal loans on TV for the last year or so, but hadn’t paid much attention since I teach people to avoid the bondage of debt .

But once I found their site and read the information about their personal loans and their business model, I knew I had to write about it.

I don’t usually write about a particular business or personal loan product on my blog, but I felt that Western Sky Financial was “worthy”, and not in a good way .

Why?

Because (I’ll choose my words carefully here), this is probably the riskiest personal loan product I’ve ever seen,  bar none.

Personal Loans With a “Bite”

These are not like the payday loans that I wrote about in the last post.  These are installment loans, meaning you borrow money and then pay a monthly payment until the debt is satisfied.

Pretty straightforward.

So why are these particular personal loans so bad?

Let me count the ways.

According to the “Terms of Use” page on the Western Sky Financial website:

“The interest rate on a typical loan of $2,600 is 135% with an APR of approximately 139%. Borrowers may prepay their loans at any time without penalty. There are no upfront fees. If you are approved and your loan is funded, we will collect a $75 loan origination fee from the proceeds of the loan.”

Wow!  That’s a big fee on top of a huge interest rate. and a bad deal to be sure.  But that’s only the beginning .

If you click over to the “Rates” page you get the whole story.  Here are the rates I saw when I clicked on my home state of Tennessee:


Western Sky Loans – Check Cashing #money #loans


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From the business

Specialties

Western-Sky-Loans.com is in no way affiliated, sponsored or in any way the property of or responsibility of www.westernsky.com. Western-Sky-Loans.com is not a bank or lender of any kind. All information you provide us is used in securing you a payday loan from one of the many banks/lenders we represent. The personal, financial and employment information that we collect is stored electronically during the duration of the application. All financial and employment data is immediately removed from our system upon acceptance of your application from the bank/lender that approves your application. Acceptance of your application does not mean approval. We will work diligently to secure you a payday loan. There is no charge to you for this service.

What’s This?

This user has arrived from Qype, a company acquired by Yelp in 2012. We have integrated the two sites to bring you one great local experience.

What’s This?

This user has arrived from Restaurant-Kritik.de, a company acquired by Yelp in 2014. We have integrated the two sites to bring you one great local experience.