Over the years many ups and downs. stress, no money, no access to money, everything that could go wrong -did. I think I have seen, experienced, or heard it all. But, alas, this is my 21st year in business (a lot of perseverance, bull headedness, and determination), my successes and failures have helped me develop systems […]

It’s summertime and business is snoring. But you still have bills and employees to pay! As you spend your marketing and reserve dollars to keep up with all the things you have to pay-WHY? The time to get a business loan or line of credit is not when you go crawling to the lending institution […]

As an advocate for small to mid-size businesses (I am one) I give a word of caution when shopping for a loan. DO NOT shop 2 or 3 lending or credit institutions at once, every time you go they pull your credit and you get a “ding”. Do your homework, Google can save you time […]

Tired of being turned down? We are tired of turning you down – we want to approve everybody – however below is why (generally) businesses never get loans approved.  Check your credit, make any repairs or statements of explanation for any negative items the items below are what you will need, be prepared, don’t try and cheat […]

We don’t always realize or appreciate the important work many veterans assume after they leave military service. Many start small businesses, creating jobs and opportunities for their families as well as for others. In fact, just shy of 10% of all small businesses are owned by veterans and vets are 45% more likely to be […]

Small Business Scoring Service℠, (or FICO® SBSS℠ score) is one of the three main business credit scores. It’s the one credit score all business owners should know, but many have never heard of it because, until now, it’s been hard to get your hands on it. Banks aren’t required to disclose that they use the FICO® SBSS℠ […]

I had a call today that did everything in the world to get me to say “YES” They were persistent, then rude, then eventually hung up. Once you say the “yes” word, they record it and use for authorization to purchase items or sell it to the black market. I can’t say enough about the […]