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hello everyone and welcome to our training today today we're talking about how to take the guesswork out of recession funding we're to talk about many specific loan and credit line options that will work for you right now even with a dramatic shift in the economy and everything that's going on with the coronavirus so by the end of this training you are going to know I don't know ten to fifteen different options for you to be able to get financing for your business even with what's going on right now and you're gonna be able to know options for example if you're a start-up if you're a non-profit if you've got credit challenges we're gonna dive into all of that so let's get started for those who don't know me my name is ty crandall I'm CEO of credit suite if we can help you along the way you can feel free to give us a ring at 877 602 487 or all of these options are gonna be available at credit suite com forward slash get funding if you go to credit suite com Forbes I should get funding and fill out like a handful or less of questions but our finance team will go to work for you to help you get money right now even including tapping into the 50 billion dollars that was just put into SBA loans which I'll be doing a special encore presentation later this week and giving you all the details on that but let's talk about the obvious right the world has changed hey business owners are more concerned right now in this moment than they ever are before and many are unsure of what to do so it's a time that a lot of people are wondering how to get capital to grow in really even how to survive it if you're thinking about that then you should be because I can tell you that the number one thing you need to do right now is focus on getting money this is going to be a long-term change that we're going through okay this will impact us for at least the rest of 2020 so you need to load up on money now because it becomes harder and harder and harder to access capital as more time will go by okay so online lenders a lot of things have changed in the last ten years when we had the blast big economic shift in 2008 we really saw capital change from being the big banks Bank of America Wells Fargo to start shifting into these alternative lenders that make it easier than ever to get capital okay now these are great choices because they're easier to get money it's faster to get money than ever before and industries that are high risk or nonprofit or all these different scenarios that used to make it tough for you to get money such as credit challenges aren't as prevalent when you deal with these type of online lenders okay and even if you have credit issues or any of these high risk scenarios you're still able to come in and get money for your business even if you haven't been in business two or three years like it's required for an SBA loan or tax returns for years that you have or all these other things that in the old day of lending and the early 2000s used to be the case so if you're looking for one of the easiest and fastest way to get money really a lot of these online lenders are the way to go so let's stop tight talk about one of my favorites which is cabbage so cabbage makes it pretty easy to qualify within minutes for financing with him you can get about fifty to two hundred and fifty thousand dollars now you can easily access cash as long as the credit line is open as long as you have the credit line so cabbage will give you a credit line and then you can tap in and write checks etc against that credit line and they'll give you as long as you have available money on that credit line okay now they're gonna want a year time in business and fifty thousand annual revenue or more and you can get to them at cabbage calm let me tell you two things that are very important first of all cabbage amongst every lender I'm gonna show you today and nine hundred and ninety more we have access to ok credits we've over access to over a thousand different lenders like cabbage so if you're not sure of which program are Lennard to apply with it's really simple give us a ring or just go to credit suite comm forward slash get funding our finance team will get on the phone and help you through this process you also should keep in mind we never charge you a dime to do that ok our finance team will go to work they'll find the best program they'll find the best terms they'll negotiate for you they'll get you the money and then in some cases lenders like cabbage give us a referral fee that's how we get paid so it won't cost you anything to have that level of help second important lesson I want to teach you everything I'm gonna talk about today comes down to one of the three C's if you want to get money to mitigate this crisis you need to know that lenders are gonna look at one of three things cash flow credit or collateral one of those three things if you don't have good credit don't have a good partner don't have cashflow don't have collateral we're gonna talk about options there as well today like business credit that can still work for you but all of these online lenders are looking at one of these three things so in cabbages in cabbages case they're looking for cash flow they're looking for revenue and you'll commonly see that when you cease lenders that want one year time in business and a certain amount of annual revenue when you see a revenue and time and business requirement you can almost bet that this lender is making their decision based on how you manage your cash flow so that means in this case with cabbage that's looking at your cash flow how you manage your bank account matters okay not having non-sufficient funds not having decreasing deposit amounts going in your account okay making sure you have a positive ending bank balance at the end of the month this is why it matters as is coronavirus is upon us and that we are moving into a recession if you wait too long to get money and you start seeing a decline in sales the money in your bank account starts being reduced month after month this is exactly the scenario where lenders do not want to lend you money so you need to take action preemptively and quickly before you start to see these drop-offs because when you start to see drop-offs in revenue and things start to get tough that's when it becomes significantly harder to get the money that you need so let's jump on so cabbage great option bluevine one of my favorite lines of credit now comes from blue vine they offer invoice factoring line of credit they also offer another kind of revenue lending which I'll tell you about as well they can process the loan in as little as five minutes and that's because they use something called artificial intelligence lending what artificial intelligence is done to lending is there now going electronically into your bank account to see all of your deposits in your banking history this is different than you having to supply three to six months worth of bank statements so it's because you don't have to supply documentation and they electronically get it it means your approval is really fast and so is your funding and let's be honest a lot of us right now are needing this fast approval of money and fast access to it so this artificial intelligence lending is very popular especially as we get into a recession because you need to axe quickly and you could do so okay five million for invoice factoring lines of credit not available all states but in most states they are and what they're looking for six-month time in business 100,000 plus an annual revenue 600 plus FICO score or a much lower score if you're using invoice factory so bluevine offers two kinds of financing one is called invoice factoring and this is how it works if you have customers that pay you on terms so pause customers that enroll with credit suite pay us over seven months time for example that is called an account receivable that money is owed to us it's paid over seven months worth the time if you're the same way in your business then what they will do is plug into your accounting software like QuickBooks they'll look at your account receivables and lend you money strictly based on that personal credits not really a big deal lo 500 they can get you approved because it's the how your customers pay their invoices to you that they're most concerned with again another reason you need to act quickly because if you have customers paying you money as this crisis looms what happens as fewer of them will pay you money it makes it harder to get that kind of financing second kind of financing they provide is a revenue based cash flow credit line so what they're looking for is they're looking into your bank account to see that you have consistent revenue coming in the bank account that you manage that bank account responsibly if you do that then they will issue you a line of credit up to one hundred and fifty thousand dollars based on revenue alone so two ways to get money one is based on revenue one is based on what's called account receivables let's talk about best online lenders for low FICO scores credibly as a direct lender that specializes in unsecured business loans let me explain the terminology a direct lender means they lend at their own money yes many lenders in the space are not lending all their money what they're doing is really brokers where they're brokering out and having other lenders give them the money but they are a direct lender issuing their own money the application process is coming on completely online so it's very quick about a day to get approved and you can get funding to cover basic expenses and you can get daily or weekly payments with them you can get five thousand to two hundred and fifty thousand dollars they are oftentimes looking at your cash flow as well so you're gonna need to be producing some revenue to get approved but again they are more lenient when it comes to consumer credit so they can help you in that case where you typically are not going to get help with other lenders the requirements 500 FICO score there it is whenever we talk about a time and business requirement six months and we talk about average revenue monthly or annual you're know you're dealing with a lender that deals with cash flow they're looking for you to have about ten thousand a month and deposits but here's what's different than the first one that we looked at they will let you have money unlike cabbage with only six months time and business so lower time and business requirements and a very low FICO score they will be able to approve you next one is on deck you can again apply online they are again based on cash flow financing okay five to five hundred thousand so far this is the highest approval amount we've seen five hundred thousand on deck is the biggest lender in the cash flow financing space they are publicly traded this can be good for you it can be bad for you they are currently trying to get their bank charter they're trying to become a bank which means they have to be very conservative right now the time that they're in so some applicants will have very good success with on deck but some won't have as good as success because they're being so conservative as they apply to get this Bank charter here's their requirements 600-plus FICO one year time in business hundred thousand gross annual revenue year no no serious credit issues within the last year to two years as you can see credit requirements more stringent than the other sources that I've given you but let me tell you why I love on deck they do something no other cash flow lender has done to date they will give you a loan then they will give you a credit line right behind the loan so if you have pretty good credit or pretty good financials like tax returns not only will they give you a loan up to five hundred thousand dollars but they will also give you a secondary credit line behind the loan as well something I've never seen any other similar source do now let's talk about the up to five hundred thousand dollars can't stand when people say that and don't explain how you get five hundred thousand dollars so up to me that's how much money they will lend you if you are the best candidate now how much these lenders Lind is based on one thing primarily your revenue they will give you about 10 to 15% of your revenue advanced in a loan so for example if you have a revenue of let's say $200,000 a year then 10% of that it's about 20 grand they'll usually do about 10 to 15 percent so let's say 20 to $30,000 they'll actually lend you so if you want to know how much one of these revenue cash flow based lenders will give you you primarily have to look at about 10 to 15 percent of your annual revenue is what you'll actually be lent so when I say up to $500,000 well if you had five million dollars worth of business a year they would give you five hundred thousand but if you do a million dollars worth of business a year you're probably only gonna be looking at a hundred to 150 grand I say only but let's be honest 100 150 grand can go a long way to carry you when things slow down and revenue isn't as much as it usually is so on that great lender for that okay let's talk about lending Express five to five hundred thousand dollar loans available again like on deck the higher loan amounts if you do a higher dollar business range from three to thirty six months let's talk about this this is very important cash flow based lenders and I've explained to you what that is typically lend money up to about thirty six months about three years okay so why you need to know that here's why this is very very very important when it comes to getting money loan term how long the loan is is the number one factor that will keep your payment's low the longer the term the lower the payments way more important than interest so what you're always looking for is lenders that will give you the longest term so let me give you an example fifty billion dollars was just dumped into SBA Express SBA loans to try to help us you and I entrepreneurs get through this coronavirus crisis okay if you get an SBA loan with a 30-year loan term 30 years and you borrowed three hundred and fifty thousand both of which will you can do with SBA at 3.75 percent which is the going rate for this 50 billion that was dumped in for the coronavirus you would be looking at a payment of about $1,600 but if you look at a loan term over three years you could get $75,000 and have a payment that is five times that amount you literally could have a $10,000 a month payment okay and that is only for $75,000 because your loan term is long so what you and I are looking for is the longest loan terms that we can get when we get longer loan terms that means we keep payments low which means we can get more money and keep our payment's low which means we can get a lot more money and still have payments that are affordable so cash flow fine it's a great way to go but you need to know this is fast easy money but you're also gonna pay more for it than you would with a longer term loan like SBA easier to get but also more expensive because your payment terms are shorter over thirty six months okay three months time in business 10,000 a month in annual revenue you notice that lending Express is one of the only sources I've seen in the cash flow financing space that will go as low as three months time in business so if you're a newer business that's what you really want to pay attention to here is they will still help you even if you renew in business but a lot of similar of these lenders won't do so let's talk about street shares street shares of lender offering term loans lines of credit specialized veteran business bonds and small business loans and investing options look here's what you need to know by street shares if you're a veteran like I am Streeters is fantastic for you street shares caters to veterans that's what street shares does okay so that being said Streeters is a great way to go if you are active or you are retired or you're any type of military veteran street shares is a great way to go they cater to people like us that are veterans most recently they offer contract financing a non loan service similar to invoice Fetchit we talked about that earlier I told you exactly what account receivable
inancing is factoring it's looking at how your customers pay you account receivables from your customers okay and then it's using those receivables as collateral to get financing what you should like this is they don't care about personal credit and they don't care about revenue if your customers are paying you in invoices you can use those invoices to hedge against to get money that's what invoice factoring is he only takes a few minutes soft credit poll like many of them not gonna hurt your personal credit they'll give you loans up to a hundred thousand dollars and here's the requirements are your time in business 25,000 plus annual revenue the lowest we've seen so far so they will help you even if your revenue is it fifty a hundred thousand dollars like many other sources and sometimes tree shares will make exceptions for high earning businesses that are lower time in business six months good point here that is called a compensating factor very important for you to know especially with the coronavirus upon us compensating factors mean maybe you don't have one year time in business but maybe you have another factor that's really strong that compensates for that so let me give you an example let's say I go to apply for street shares and my credit score is 720 but I only have nine months time in business they're probably gonna make an exception because I haven't been in business that long okay but because they are willing they are willing to lend money based on my compensating factor which is good personal credit okay so that is an example of what compensating factors are 620 credit score to get approved with them either be or have a guarantor with reasonable credit which means you can use somebody else's credit to qualify if you don't have a credit score to qualify not a lot of lenders will do that street shares will let you do that a loan builder PayPal service PayPal bot loan builder back in 2017 okay and in doing so they are crushing it when it comes to short-term lending to midsize businesses and term loans okay you may even be able to get the money as soon as next day with them and they'll lend you up to $500,000 if you have even average credit 550 plus credit score 52,000 plus annual revenue very low annual revenue nine months time in business very low time in business but here's the kicker with them they're typically going to really look at what you're funneling through your PayPal account so if you look at loan bill their loan builder is a great way to get money as especially if you're running a good amount of money through your PayPal account okay square how similar financing so this is why I've always told you you need to be funneling part of your money through PayPal and square have your customers pay through PayPal and or square because as I've always said they offer some of the easiest financing you can ever get and right now with this kind of economic condition you need easy financing so if you're running money through PayPal and or square those are great options that if it is PayPal you're running money through then loan builder could be something that can really benefit you Lindy Oh Lindy owes loan connections service basically taps into a network of lenders they have about 70 lenders about 75 now that they work with loans up to $500,000 okay you've got to have a US business you have to have a five sixty plus FICO score you have to have a bank account look Lindy owes main product is cash flow financing we used to send them a bunch of business we weren't the biggest fan of the customer service we got at Lynn do so we don't send them a lot of business now but they do a lot of the revenue lending loans the cash flow financing loans okay so if you want to go to them to get cash flow financing they'll offer that they do have some term loan options for you as well okay and you got to be 18 or older as you do with any of this kind of financing but again credit suite Balcom forward slash gets funding all these funding products are looking at all these lenders and about nine hundred and ninety more lenders that I have time to go over with you today we have access to and we'll help you through this process to get money without charging you so if you just want to know of these lenders and everybody else you can get money with then feel free to go to credit suite com forward slash get funding and we'll figure that out with you smart biz smart business small love business loans or SBA loans or government backed business turn loans these are for business owners who had difficulty qualifying for other kind of financing SBA loans usually take a lot of time but they make it a little bit of a faster process with smart biz and you can get loans from thirty thousand to five million dollars here's the requirement 650 plus FICO US citizen two years time in business fifty thousand plus an annual revenue no outstanding tax liens bankruptcies foreclosures in the last of three years so here's what you need to know about smart biz and all SBA loans I told you in the beginning that to get money you need to folk so one of three C's cash flow credit and/or collateral and I told you by the end of this I'm gonna give you options if you have none of those okay when it comes to SBA loans they need you to be good in all three areas they need your cash flow to be good and verifiable for tax returns they need you to have good personal credit with very few if any blemishes on it whatsoever and they need to make sure you have collateral to offset the debt it could be account receivables which we talked about it could be the equity in your home but those are the three things you have to have all three of those to get approved with smart biz or any other kind of SBA loan so if you want to tap into that 50 billion the government just dumped dumped into SBA then you need to have good credit cash flow in collateral or you're just not going to get that kind of SBA loan and I'll talk later about that later this week I'm gonna do an entire training just on the 50 billion that got dumped into SBA if you're not subscribed to our YouTube channel subscribe and you'll probably get notified when we go live on that I think it is going to be 11 o'clock tomorrow Wednesday so tomorrow at 11 o'clock I'm gonna go live and talk about SBA if you want to know sooner then tune in at 2 o'clock on Facebook if you go to facebook-dot-com forward-slash credit suite I'm going live on Facebook at 2 o'clock and I'm gonna be speaking right to the camera answering questions in real time and talking exactly about this 50 billion that just got dumped into SBA but that gives you some background with smart biz and SBA loans as well for a financial early repayment discounts for qualifying borrows if you pay it off early you can get approved for up to five hundred thousand six months time in business twelve thousand plus and monthly revenue no open bankruptcies you could see that there's a time in business requirement you can see there's a revenue requirement so we know they are big on cash flow financing looking at how you manage your cash flow Lending Tree connects with many different kind of lenders they offer multiple different kinds of business financing in one place small business loans lines of credit SBA loans equipment financing and more the amount varies based on risk and again there's they're pretty loose on the requirements because they work with many different kinds of financing so there's a handful of us out there that do lending tree Lynn do credits we there's a few more of us that work with many different lending options and once most like Lindy or Lindy trier working with about fifty to a hundred different lending sources to give you an idea credit suite works with a thousand Lending Tree is one of them and so is Lindy oh so these other places that work with multiple funding products they are in our Arsenal as well that way we believe this gives you the best ability to getting the most amount of money in for your business and Seth says 2:00 p.m. what time zone that is Eastern Time so I will be going live on Facebook at 2:00 p.m. Eastern Time which is in 37 minutes and I will just be talking about the 50 billion in SBA answering questions about it talking about rates qualification and all that that's 2:00 p.m. Eastern Time if you don't know how to get there go to facebook-dot-com forward-slash credit suite and if you're on that page you will see when we go live if you like the page you might get notified when we go live but that's where we'll be going live is right there on our Facebook page fund box I love fun box you're gonna love them too okay fast automated approvals weekly automated payments hundred thousand dollar credit line available from ten to a hundred grand okay what they are primarily looking for they don't have any specific revenue or time and business requirements but I found that about three months in business they'll start to consider you for financing they are what I've already described to be an account exert a artificial-intelligence lender the difference is they sometimes will approve you with no credit check I talked about bluevine earlier bluevine will go up to 150 grand funbox will go up to a hundred grand the difference is blue line has very strict credit requirements and funbox doesn't if you manage your bank account responsibly there's a very good chance that you can get approved with funbox okay even if you've been a business only a few months credit suite comm forward slash fund box if you look at the bottom here credit suite com forward slash fund box instead of get funding is a special link you can get approved with them I recommend everybody get a credit to get a funbox credit line but don't apply just yet there's some other financing that you want to save your inquiries I'm gonna help you get the most amount of funding by saving your inquiries if you go and start with fund box you'll put an inquiry on there which will cost you other funding we always end with funbox meaning every time we get a client money we always end by then circling back in the end and getting them a funbox credit line on top of the money they already got we always end with funbox we never start with fun box because fun box will put an inquiry on your credit which hurts your ability to get other kind of money okay and I'm gonna teach you how to get that other kind of money in a minute so fun box we always end with they're the ones you go to and everything's done here's how it'll work we gotta prove for $6,000 line of credit we showed them tax returns they gave us a thirty thousand dollar line of credit we proved ourselves we paid the bill month after month then we wouldn't apply it again and they gave us a hundred thousand dollar line of credit we have a hundred thousand dollar line of credit with funbox we'll use all the time it helps us take advantage of all kinds of opportunities I think everybody should have a funbox credit line we are the number one affiliate with funbox because we send so many people over and get approval because they approve so many different people that other lenders just won't approve so if you're not succeeding with getting approved to try funbox try them after you get funding as well they are a great option to get more money credit suite com forward size funbox will get you approved Lending Club K Lending Club offers small fixed terms small business loans five to five hundred thousand dollars twelve month time in business five thousand in annual sales okay no bankruptcies or tax liens fair personal credit here's what you need to know about Lending Club Lending Club is what we call a peer-to-peer lender they are not like anyone that we've talked about so far everybody we've talked about so far is either lending their own money or their brokers going to other people that lend money and getting you their money with Lending Club they are one of what's called a peer-to-peer lender so they are taking private individuals that actually have money to lend to small businesses they are pooling them together and when you go to get money they take money from many of these individual investors pull it together and give you a loan so let me give you an example if you get $50,000 in money from Lending Club they might have got that from five individual investors people just like you and I people that want to get a return on our money and we give Lending Club the money to in to invest into other businesses like ourselves to Lyn to other entrepreneurs and then we get a rate of return on that money that's how peer to peer lending works it's private investment money without needing venture capital without needing angel investing now if you go to youtube.com forward slash credit suite I've got training just on peer-to-peer lending Lending Club Street shares there's many other of these type of lit of peer-to-peer lenders that are out there and in that one presentation I go through many of the types that you need to know who's best for what kind of funding and again if you don't want to figure all that out just go to credit suite com forward slash get funding and then we will talk to you and put you with the best peer-to-peer lender if peer-to-peer lending is what's works best for you but that's what Lending Club is why you need to know this it's easier to get than most of this other money we've talked about most of these other online lenders we've talked about are a little bit more stringent because it's lenders lending you money we found that peer-to-peer lending platforms like Lending Club remember they're a platform all they do is pull together the money from these individual investors and give you a platform to connect you with the investors to get it that's what they are doing so a peer-to-peer lender is a little bit easier to get the money from because they're private individuals instead of you actually having to qualify with lenders so I like peer-to-peer lending Lending Club is one of the biggest in that space to possibly consider fundation okay they provide loan term loans and lines of credit up to a half a million dollars if you've been in business 12 months hundred thousand plus and revenue and you've got to have three full-time employees and a six hundred FICO score okay you can't be in North Dakota South Dakota or Nevada no clue why but they are a good with the other states just not those three states fundation is another source who actually has multiple different sources they work with and that they can actually connect you with to get revenue lending term loans etc so they're really good with all of that as well now before I do a recap and I will do a recap here but I want to talk about some other things I promised you that even if you don't have cash flow credit and collateral I would give you some alternative options and here they are remember lenders are looking for cash flow credit or collateral to get you money you need one of those good personal credit or collateral lateral could be 401k stocks IRAs could be account receivables purchase orders inventory equipment commercial real estate vehicles any of that kind of thing an asset that's worth money or the third type is cash flow financing we talked about a lot of those as well but let's say you don't have good credit or cash flow or collateral well then you want to consider using a guarantor if you want to use good credit only or a guarantor that has good credit you can get a hundred and fifty thousand in credit lines even in the high-risk industry and even as a start-up if you have 650 plus FICO scores so even if you don't have a 650 plus FICO score you can still get up to $150,000 and credit lines using a family member a friend etc as a guarantor that's a good option if you have a unique product or service you use crowdfunding I've got tons of training on our YouTube channel credits youtube.com forward slash credit suite that will help you get crowdfunding as well I've also got training on our YouTube channel for how to get grants grants are free money and you need to be looking in to Grant's right now okay I'm gonna give you an example of something I just actually received two day so you can actually get an idea of what I'm talking about here so grants are another great free way to get money and this really matters
specially right now because there's a lot of people that are lending money if for example a lot of states are actually making an impact right now doing this kind of money so let me kind of sue min here and I'll give you an idea so this is something a buddy of mine actually sent today and this talks about getting money in the state of Florida so there's a $50,000 interest-free loan this is not a grant but that the state of Florida is giving to small business owners right now to help with coronavirus okay so I'm only showing you that because again I get these kind of things all the time grants free money in your county in your city in your state that can work for you you also need to be searching online coronavirus and your state business funding because just like I showed you there's a $50,000 interest loan interest free loan that just hit in Florida that works if you own a business in Florida many of these states will be were rolling out that kind of relief and never forget about business credit the reality is if you would have already built your business credit by now you'd have no problem getting the capital when you need it the most if you have it it's not too late you can get high-limit revolving credit cards Visa MasterCard almost every major retailer including Amazon and Walmart without a personal guarantee without a personal credit check letting your business fund itself okay and that's the beauty of business credit and it works regardless of cash flow regardless of credit and regardless of collateral so those are some of many other ways that you can get money as well and of course in a recap of this it really comes down to how fast you want the money you need a lender that will lend you more money or lend you based on a lower FICO score there's a difference between crowdfunding and peer-to-peer lending etc and that is exactly why we are actually here to help you remember with credit suite we give you access to every legitimate funding option in one place you don't have to know the difference between all these we never charge you fees on funding period we don't we don't charge an application fee we don't charge you a few in the deal funds we sometimes get referral fees from the lenders that's how we get paid we do so much loan volume we do millions and millions and millions of business funding in a month so these banks everyone I showed you is gonna give me better pricing than they give you because we do loan volume and we pass that directly on to you and we help you get a blueprint to SBA even if you can't get an SBA loan like right now we work with you and show you and develop a plan individually for you to be able to get SBA loans the bottom line is our whole goal is that you never need to look for money again you can have one place you go to and have access to all capital in that one source so we talked about a lot of ways that you can get recession proof funding okay from online lenders based on your cash flow based on your credit based on your collateral if you have questions if you want to know what you can get approved for now if you want to get business credit okay give us a ring eight seven seven six hundred two four eight seven eight seven seven six hundred two four eight seven go directly to get approved at credit suite com forward slash get funding if you want to access all of our other training go to credit suite com the top right of our page you'll see we go live on YouTube weekly we go live on Facebook weekly okay on top of that we have daily tips on Twitter tips on Instagram we're gonna go live for the first time this week on Instagram as well we will give you the information you need in real time to tell you the funding that's available right now to help you navigate through this crisis which will continue for many months to come so if we can help you get money give us a ring send us an email visit us online but I will tell you I will beg you to do one thing and one thing only take I'm gonna say the F word the nice I've worked freaking action right now okay I lost everything in the recession of 2008 because I was a mortgage broker at the time and I built credit suite to help make sure that everybody can mitigate this problem this is this is it I have literally waited the last 12 years creating and researching and building an arsenal of lenders to help entrepreneurs never have the same fate that I experienced in 2008 so if you want money if we can help you let us help give us a ring send us an email visit us online 877 602 487 info at credit suite com credit suite com we have extra team members we have made extra hours we've made all kinds of adjustments right now to make sure that we can help as many entrepreneurs get money as possible but I cannot tell you enough that I've been through this before markets will tighten up you have a limited window to get in and get the money while you can before that 50 billion in sba funds is claimed before underwriting times become months instead of weeks before your sales start declining and it becomes too late to get money because they don't want to lend money when sales are declining you have a limited window I've lived through this in the past I didn't take advantage of the window when I had it and I wasn't able to get the money when I needed it and I couldn't keep the business afloat so now I'm here to help you avoid that same fate if we can help you along the way let us know 877 602 487 info at credit suite comm I will be live at 2 o'clock Eastern on Facebook to dive into SBA I will be back on YouTube Wednesday tomorrow at 11 o'clock Eastern to talk more about SBA as well and other options to help you mitigate we will be releasing content twice a week on all of our channels to make sure that you are kept up to speed with what's going on and if we can help you along the way just reach out to us and let us help you get the capital you need to be able to thrive in this not just survive thanks everybody I will be back here Wednesday at 11 o'clock Eastern to dive more into SBA funding and if we can help you in the interim visit us online at credit suite com or give us a ring at 877 602 487 thanks everybody
