How do i industry sign banking massachusetts document free
[Music] just a little bit thank you i think i'm gonna show them this document i made so they'll know like sometimes you gotta make your own doctor oh somebody's coming where am i moving hey you hear me you hear me g6 your sound is now on look at your microphone on your screen is a mic turn your volume up i think i hear you just low you turn it up i can't hear you look at your mic like hover down at the bottom you see the video the microphone oh god let me put in the right passcode see you say it say you need it let me go to participants let me go and see if i can ask the unmute so i'm asking you to unmute can you hear me yeah yeah loud and clear i got my hand raised up she got her hair raised up like i have a question [ __ ] answer my question a minute i'm slow with this hit the button huh can you see me yeah how can you see yourself i can't but why is that hand still there okay you won't just put your lower your hand there we go we lowered your hand you were yeah i had some i love these ohio glasses though oh yeah those are too cute you see that yes yes yeah i should be on my computer but it took me a minute to get this whole thing and they tried to tell me to set up all this stuff and then i told you my facebook had my facebook my email they tried to hack it yeah so i don't know i keep going in putting in new passwords for my email i mean for my facebook so you know here's the season for them i was doing a grant and i guess it was a fraud and right when i was about to send other personal information that's when i was like this isn't something's not right with this so it was a fraud you got a lot of frauds going on oh yeah it's going they're using people pictures from their eat from their facebook contacting other people so because they feel like they're secure with that person that's how it happened to me i felt like i was secure with the person that was giving me the information to come to find out it really wasn't the person somebody had took all their their facebook information and came onto other people's pages you know telling them about other stuff that was going on that wasn't real all day all [ __ ] day it was my first time being um in that hoopla but yeah how long do your um huh just 30 minutes this is dope i like it i mean we did our we did our i had a zoom already i thought because we did the funeral we did my grandmother's funeral um my grandmother's birthday when she turned 90 we did all that through zoom i spilled some sand from this little candle thing so i thought i was already on the zoom but i wasn't well so what i'm gonna do today is pretty much show people how to make a how to make the document like they be asking for documents people just don't have and so i'm gonna show people like the document i made to show the 25 you know what i'm saying like you mean for the um for the best like yeah for the uh paycheck paycheck protection program and it goes into your account your business account you could use um if you've got like chan or something you could use that you could use other you just have to use certain platforms i know small biz uh and then you write uh cash app does have a bank it's called stan or or or stun or they don't they do have their own um name of their bank because when i remember i said i think it's called cash i think it's called what i thought it was called cash out he was like no it's called it has a bank name i seen the bank name it's like s-t-u-n something like that stunned or something yeah so okay so now we are getting started okay let me see let me find what i created um hi everybody i'm live now yeah so um we're getting started now so today i wanted us to talk about this paycheck protection program the documents you need oh there was an accident so um let me bring it up two-year comparison so i'm going to show you guys what i did how i i just created my own document so when they asking you guys except for the tax documents you have to get those from a payroll place like paycheck or something like that but um for just for for what they're asking for when they say we need a two-year comparison let me just show you what i did and it was it it worked i mean they approved my loan because i know that if they're asking me for a document and i can't find it the template then i must create it because they must you know came up with some idea of theirs to say what we need but not tell us how to get it so i basically let me just flip the screen so i basically went into my tax information from 2019 to 2020 i put in this information by quarter so i did you know like my my information for 2019 was way less than 2020 as you see right but i didn't make a lot of money in the fourth quarter or the second quarter i was down compared to 2019. so all they ask is that one quarter shows that you're you know not as is high in revenue as the quarter the same quarter last year in 2019 so i just created this document in excel so when they ask for it i just put sba to your comparison the name of my company the quarters the year the amount put my name on it signed it and told them who i was and i got approved instantly wow created this document because i couldn't find a document that met what they kept cause sometimes they're like i need this type of document i need that type of document and you're like i don't know what that is i don't know so when you google it if you don't find it you create it that's what you do when you're a business you create your own forms all of us do you create your own intake forms you create all your own forms when you a business you don't have to you know go get forms you can just create a form put the data you want to put on it long as you sign your name and date it and state who you are to the company you are good to go i see keisha has a question go ahead and ask so um now is this a form that you would create for a company like if they um have um you know got into your platform and you know asked for your advice or you know paid for some type of um business management or whatever is this something that um your company would create for a business yeah that really doesn't have the time or or the really the the just the energy or anything to do that kind of thing is this something you guys would do for a company sure yeah i'll create this form only thing i would need is your like your schedule c or whatever you have so i can do the revenue and then i'll just talk to you about the quarters right because you remember a time when like it was spring and you would you didn't have a lot of money wasn't making that much money you don't have to have exact information because they're asking for things we don't keep we don't and how will a company get um in touch with you know as far as going ahead and setting up their business so you can um manage all their agendas and things like that because for me um i'm more of a hands-on type of person with my business with construction and everything so i'm always on the um out in the field and i really don't have time for to do that stuff now today i i chimed in because it's like a lifeline for my business you to have these things so with that being said i need to create have an appointment because i need these things done is what i'm saying well today i'll have time today because it ends for us as minorities people with 20 um employees or less this ends tomorrow and then i i still have my small my sba number and i did go in to try to fill out a form for a platform for you know the 1099s i did follow um something that you posted and i just really don't know what i'm doing and that's the honest to god truth i'm just i know there's a lot of people out there that don't know what they're doing and they're trying and they're making mass mistakes yeah and and i can help them with that let me just put this information up so people can see how to get in touch with me and let me share this screen medication [ __ ] okay resource okay that's really nice oh yes so this is this is a presentation i had did and i'll do it again just so people could see the forms because we need to know like the money that's available so when you buy 184 billion dollars and minorities women and businesses with under 20 people are the most important group till tomorrow you need to get it done and it's not that hard this is the actual application um it's just every bank is doing it their way so everybody isn't streamlining it where no matter who the bank is we putting in the same data that's just not happening and that's just what it is everybody got their own way to do business everybody got their own underwriting requirements you know everybody does their own thing one thing i know for sure if you have a schedule c then you need to get this money if you have 1120s or 1065s you need to get this money so most companies are all asking you this information in your application it's a one pager you see it's not it's just you initial initial in a bunch of data but when it comes to what they're collecting they're collecting your business information your phone number your average payroll so in the system i had a client yesterday it had five thousand dollars was the amount they were going to give her right here in this box right but she didn't have nothing in this average monthly payroll so if they came up with a five thousand dollar payment then 2 000 times 2.5 is 5 000 so sometimes they'll give you the amount they're going to give you but they don't necessarily tell you how they came up with it so you have because i've had that incident they gave me an amount of 11 something and um i actually just stopped working on the application because i really but you see you can use it for other stuff you don't necessarily have to use it all for payroll you can use it to cover operating expenditures you know a lot of us that's in the field have to get sanitizer wipes and disinfectant and bleach and you will come to your house you gotta have masks you got a dish you got that you know yeah i was gonna well what i was trying to use my pork was for a location i need a location where i could put my tools and things like that and i'm looking more for a live work space and um it says rent it covers rent mortgage interest it covers supply cost um operation expenditures are things like that like growing your um operations so your operation is just your business that's all and you see right here it tells you right here how it talks about the quarter comparison you just hear you just got to pick your quarter owner's name ask you a bunch of questions you know they asked you about that um all of that stuff so it's not that hard you see everybody's listed sole proportions partnerships corpse independent contract self-employed individuals said i'm saying a lot of times people don't even have a schedule c but they got a 1099 from a company you know what i'm saying and that's just as good anybody that gets both like for instance i have a schedule i have like schedule seats and i have 1099s because sometimes i'm hired as a subcontractor um so i got 1099s um and then i also have a schedule c so um yeah so yeah so you you have everything under yours you even you have a llc with a schedule c so you're and you have a 10.99 so and you're the only employer only thing you have to have is you need to get out your 2019 and 2020 schedule c's i found me you just take pictures with your phone that's all you got okay and then i just send that email in it to me you can text it text the picture that's fine and then i'll create the document that they need and then when you apply you use that document to put the data in so when you go in and you put the stuff in because it's good for you to do it on your computer um i can do it on mines but it seems like when i one second let me add gypsy it seems like when i when i do do it um [Music] when i do do it on mines and my clients try to log in it gives us error codes because i think it's trying to make sure you're on the right server you know yeah so i mean that it's all security so i'm telling people to you go to your bank if you have a bank if you don't you just look up companies that's offering it especially ones that i posted on my facebook about the the independent contractors the 1099 the self-employed people if you haven't done your taxes get them done if you if you just haven't done them use your 1099 instead of the schedule c to get fight so let me go back to what i wanted to show you guys because i want to show you i'm sorry if you want someone to join the group you know to to be able to listen to you is there any way to invite people while you're live now you can share it you have you can share your link that you have that you log in that i sent in the um sister sipping on sundays you could share you could copy that and share it okay so i just wanted to go back to this because okay people need to see that you create this document and then whatever quarter you choose is the quarter they'll use so i have two quarters that i made less money i made a lot of money in the third quarter because a lot of people donated for the for the services i rendered for the sba so a lot of people got their ppp their economic injury disaster money so i had a lot of donations because i'm a non-profit i'm sorry you guys that's okay so i'm not a for-profit but i still doubled my money but i still lost reporters well when when they asked you for a form you just don't have the form create the form into excel you can use groups i'm working on you can use google documents you can use google's platform to deliver it so i'm going to show you guys like you could use google to make the sheets you don't have to download software all of us have google and right here in these four little dots is all of these google apps they're already built in so you can use sheets as excel slides is powerpoint and docs is word so when you got to create something and you're like oh i don't have it you could do it right on your phone you could click on write in your gmail click on the little button in there and look at what you can use you could do so many things for free in google do video chats calendar you got to drive or you can save the document some banks are not compatible with mobile devices so we're gonna go to a bank that's really giving out this money um small biz loans right if you don't have a regular bank to get your money from because you're banking online with a bank that is not offering the ppp you could go to small business loans small business loans is um a place where you can apply and they're pretty fast i mean i have one person applaud and her money's already being funded to her this week you know like they're moving fast but there's no guarantee all of them gonna do that there's no sure way that one's gonna give you more than the other you just never know but you see right here looking to apply for the paycheck protection you just click start my application you answer some questions you put in this information you agree to the terms they take you over go ahead um the question that i had as far as the um the online um applications in the um i was trying to figure out what the the small biz loans what are the are they asking for the same documents that the small business administration is asking for are all these companies asking for the same documents yeah they're asking for it but it's so many documents right you got a profit loss statement you got a business income statement you got a cash flow state you got all these different documents right they can't ask for all of them people either got either or or they got their own generated document that still has the same data as long as your document has the same data and one thing i'll tell you guys is that if you okay right closing if you get a ppp loan right let's you get approved we get an sba loan number you now can get sba loans and sba has lots of loans and they the federal is called the sba the department of treasury has this credit platform that they they trying to get people approved that don't have traditional credit so when you go for sba loan of course they don't want to know about yourself and pull your credit because you're the guaranteer but don't think it'll deny you if you ever get denied for sba loan or any loan just ask them what does it take for me to get yes the
e's no such thing as no forever it's just maybe at this time i didn't have what you were looking for maybe at this time i didn't have this i didn't have that but don't quit and don't stop like this is our window into five million dollar loans this is our window we started this step we get an sba loan number through the ppp program through that i got forgiven okay i had two ppp loans last year because i have a for profit and a non-profit so my for-profit one got forgiven i'm in the process of my not-for-profit while i get forgiven at huntington it's just huntington process compared to the other banks process is very different so i have to create documents like i was telling you guys i have to create documents so like i created this one and you could create the same thing you could put this stuff together or you could get someone that does you know these documents to do it i just did it myself because i couldn't find a two-year comparison that dealt with my business on a quarterly basis all i saw was profit loss statement income statements cash flow and i didn't want to divulge all my information to them like that less is more so i believe that because i did this real quick to satisfy the underwriter at the bank it was able to just push my loan through so i already signed my documents over the weekend to accept the terms and conditions of the money that i'm getting you know so it'll happen fast it's just that you have to respond once they send you over what they need like you do your application right and then you'll get an email saying i need this i need that and then you you you satisfy the requirement because if if you don't you did all that work for nothing and then i want to show you guys too i want to show you guys too that the sba still have money for the economic injury disaster loan now i keep getting denied and i keep having to go through reconsideration um and i keep going through that over and over again i don't want to go to that one um i keep getting denied so what i'm doing is i am participating in a sba webinar in april about reconsiderations because every time i do the reconsideration i'm being asked the same stuff over and over and over and over again now gypsy i want to show you this one they got the shirt shuttered venue grant this is for people in the entertainment industry people who do um entertainment functions this is for businesses that use venues and stuff like that so they want you to have at least a 45 you know the grant will equal 40 45 of your revenue so this is for people who have live venues and promoters people in theater live performances museum operators zoos aquarium motion pictures talent representative things that deal with the entertainment industry they have their own money they separate because it was so many people in that industry affected but didn't qualify for the regular economic injury disaster law so they did that they put that right there the sba also have different if you already have a loan they have that they have another program they have different programs that you can apply for they have the economic injury if you applied and was denied just go back in find your denial google your email and then submit a reconsideration because you can get that they also sent people for the targeted advanced so some people got money you know like five thousand two thousand one thousand so people got one thousand dollars right so they should if you're in an area that they're targeting like you know a low income community um and you could demonstrate 30 reduction in revenue during the eight week period which is a quarter then you can get up to ten thousand so let's say you got a thousand that's nine more thousand dollars that you can get and they have a map and everything you need to know to learn about what i got to do so this advance is no longer available this was the one we got this was the first one that we got they also have existing borrows you can create account an act capital access financial system because that's who has your loan the sba gave you this loan so you you guys should definitely want to do this just because it will get you more involved in loan opportunity with the sba because remember this money came from the department of treasury the sba program it did not come from a bank a bank got the money from the government and then did the process to do the underwriting and to distribute the funds but it's the money it's our money it's tax-based money it's all our generational money our family's money all these people work work work work work and then die and have nothing so they have this website and this is the capital access financial system a lot of stuff wasn't available for us to get access to each administration that comes in they release things and you have to be in it involved on a consistent basis to kind of know where to go to get it so they talk about the different financial instruments and funds they talk about their portfolio size and the billions billions you guys this is billions not millions so this is the this is capital accessing everybody knows what capital is money and this is the access to the financial system that belongs to united states small business administration so you guys keep this in mind you you want to start where right here this is where you find the data sba.gov you go in you look up coronavirus uh corona 19 covet 19 funding opportunity and then you'll see all this information paycheck protection the sba debt relief program some people have sba loans some people are trying to get these loans you see these loans we all seen these loans but we never get to the money now that you have a sba loan number you have almost a 60 chance of getting this money which is 25 000 50 000 you know um this is for disasters if you had certain disasters and most of that is property disasters so they put out a lot of notices you see they put out all these procedural notices to tell the banks how to proceed the micro loan you see these dates 216 2021 which means they've updated it they've updated the different loans you know so the micro loan is uh let me just look at that because a lot of people qualify for that it's a smaller loan it gives you the opportunity to get funded without having to ask for millions of dollars so the micro loan i think it's like 25 to 50 000 i'm not sure but um your economic uh development organization so you see they put this out you know they're saying that adjustment number of months of payments in the microphone micro loan program due to insufficient funds so they're talking about how much money so they put 3.5 billion dollars was appropriated to carry out this insufficient amount of money they say they have so you think about that you got that money over there you got the paycheck protection you know newly eligible first round loans now that you have an sba loan number you can get these loans and my and my advice to everybody is if you take money use it to make money it doesn't make sense for you to get the money and go buy stuff that that's going to make you profitable now for a car it's going to get you more to see more clients than get the car if you know a better home is going to have it where your clients can come to your house or you have a better operating area you know work area and get the house but don't spend it on things that don't make you money because these are loans you have to start paying those back with a very low interest rate it's not like you have to you know spend a lot of money uh paying the loan back i know someone that got 20 000. their payment starts this year they got the money last year and their payment starts this year for 131 dollars a month and that's really cheap yeah so you know they they're they're here to to fund us it's just up to us to get funded you know it's not for us to spend the time to go through what we need to go through and you see people look at 30 years i don't want to pay on a loan i wouldn't pay no loan for 30 years because i would pay the loan off because i would use the money to make money so i would take 20 stacks and make 40 60 80. by time it's time for me to pay it back i didn't paid the loan off and got me a million dollars long because i shot them i'm making money off the money and that's what people in business are to do i'm a non-profit i still have to be profitable to run my operations you know so in order for me to be profitable i got to take in money some kind of way so i have programs and activities that businesses buy at a very low rate for me to deliver my services at a cost in a cost-effective manner so i'm able to do that and i do donations most of the time you know but i mean you guys see what's available you know they got the map here to show if you are in that area i've called the sba and gotta answer asap gotta help instantly can you make sure they go to class um make sure you know i got funded was on them sometimes you gotta do that you know this is um i wanna show you guys so they put out the reports too the summary on reports of the loans they've given so when you see that you know black people ain't really on this map it is your job to make sure you're one of those black people that get put on the map so i know i have to end in about um three minutes because i start my tax gig um in about three minutes but do anybody got any questions i'm logging into my other system off the chisel i just want to thank you for giving out this information because so many people in business this black owned business they don't share information so i just want to thank you and just give send you out some love and some light that's all yes yes yes and by the way that's my style so if you want to say fly this is too i stay fly away so she's been my stylist since what oh what i had up doing 0.506 in atlanta yeah she said columbus i was up there getting fly and i just go up there and get fly all the time so she has a boutique she's the all-female construction company she does landscaping she's actually coming down to do my floors in my house i get my house together because i have lots of nice stuff i'm just not a designer i'm not that person but she is definitely that that person and then we have ray cole ray cole's on the line she does she prepares these documents too keisha so oh wow okay business she i can't see her she's she's probably ready for work oh there's she's okay oh she's already chilling chilling in the village because that she does a lot i like that so she has a tax business she does the you know the forms all kind of financial stuff people be needing in business because you gotta have a bookkeeper you ever wanna get this money you gotta get your books in order and she's a she has a business that does that i don't do that i don't do the bookkeeping turbo tax but i'll do it for everybody and then we have rainmaker who's in the entertainment industry she does a lot of content and hip-hop education making sure we keep our content we keep our our oh wow i'm gonna need to get with rain because you've got to be a a business manager for a rapper yeah definitely definitely i got two guys that actually asked me to manage them so i got two here in columbus ohio i'm trying to get them to gucci mane though i'm sorry okay well i can help you out with that even the transition their mind state of you know the industry and what's really going on yeah some consultation and make sure they have that right the head on the shoulders of what's really going on in that industry yeah and i'm gonna have been in it for a long time i'm gonna have to end this y'all connect okay i'm sorry let me put my mic on pawns because i'm starting my job with all right well thank you i'm out of here you guys all right all right all right nice meeting everyone okay why is my thing [Music] um usually there are three of us but there are going to only be two of us today um that we um is about the full service training modules the processes welcome call you are um getting started with your full service journey and you are just getting started on the modules um and you haven't made it at least through the foundations part you may want to consider joining later in the week full service live session because you're not going to have any questions for us yet but you don't know what the training entails
