Podcasts about personal guarantees

In this packed episode, the hosts dive deep into the rapidly growing world of note hypothecation, partial notes, and funding strategies for note investors. Guest Justin shares how he legally wraps mortgages with full bank approval, and how he's secured financing from five different small banks by collateralizing his note portfolio. You'll learn how to pitch banks, what documentation to prepare, and how to make your notes bankable—even without selling them.If you're a note investor, creator, or broker, this is a must-watch episode that could completely change how you fund your deals. Whether you're new or seasoned, you'll walk away with actionable tips and new strategies to grow your note business in 2025 and beyond.To obtain this week's Real Estate Notes Show guest Justl's information, use this link https://bit.ly/3QSnbfA**Never Miss a Live Show**, Add our Calendar to yours! Google - https://bit.ly/3Djr8GL Apple/Outlook - https://bit.ly/3Dhj9tyWe Buy Notes go to our site for more information! FAQs and Submit Your NoteWatch this video on Youtube: Watch VideoOur new Website Updated Tools, Resources, Bid Calculator, Education and over 100 assets for sale: ⁠https://www.jkpholdings.com/note-investor-education⁠Youtube Channel: https://www.youtube.com/c/JKPholdingsllc?sub_confirmation=1Upcoming Live Webinars: https://www.jkpholdings.com/webinarsDME (Diversfied Mortgage Expo) Note Conference Video Recordings - ⁠PurchaseSOCIAL MEDIAFB Group: https://www.facebook.com/groups/EastCoastDistressedNoteInvesting/Facebook: https://www.facebook.com/JKPHoldings/Linkedin: https://www.linkedin.com/company/jkp-holdings-llc#noteinvesting #mortgagenotes #investor #mortgagenote #realestate #realestateinvestor[00:00:00] Show Intro and Guest Update[00:01:00] Influx of Non-Performing Notes[00:02:00] Why Networking Is Everything[00:04:00] Keeping Top of Mind in Notes[00:06:00] Common Performing Note Mistakes[00:08:00] Partial Notes vs Hypothecation[00:10:00] Meet Justin: Note Investor Journey[00:12:00] Discovering Wrap Notes Legally[00:14:00] Legal Lending Limits Explained[00:16:00] Packaging Notes for Banks[00:18:00] Negotiating with Small Banks[00:20:00] Collateralizing a $100K Note[00:22:00] Creating a Banker's Presentation[00:24:00] Title Companies as Key Connectors[00:26:00] Banks Lending on High-Interest Notes[00:28:00] Can You Hypothecate with Individuals?[00:30:00] Lending and Risks with Private Notes[00:32:00] Using Debt to Grow a Portfolio[00:34:00] Structuring Legal Wrap Note Deals[00:36:00] Texas Advantages for Note Investors[00:38:00] Note Investing in Today's Economy[00:40:00] Post-Tax Yield and Amortization[00:42:00] What Happens If You Default?[00:44:00] Personal Guarantees and Final Thoughts[00:46:00] The Future of Note Hypothecation[00:48:00] Wrap-Up and Final Takeaways

Welcome to a new episode of Get Creative! In this episode, our speaker delves into the world of private money lending, sharing invaluable insights and strategies to help you navigate the risks and maximize your returns. From the importance of trust and documentation to the necessity of having a solid recourse plan, this episode is packed with practical advice to ensure your private lending ventures are a success.   Highlights: "Even if you follow all of these rules, plan on losing every mother freaking Penny when you wire that money."   "Do not trust anyone. I don't care who they are. I don't care if it's your grandma. I don't care if they spend time with me."   "Anytime you feel pressure, you walk away. Feel pressure, walk away."   "When wiring money, plan on never, ever, ever, ever, ever seeing it again. Ever, ever, ever, I follow all of these rules. The money's effing gone. It's gone. Plan on it."   Timestamps: 0:00 - Lending Money: Risks and Rules  2:58 - The Importance of a Transaction Coordinator (TC)  4:00 - Ensuring Recourse and Collateral  5:53 - Higher Risk, Higher Reward  10:34 - Recording and Documenting Everything  12:53 - Planning for the Worst-Case Scenario  13:07 - What If Scenarios  13:34 - The Role of Personal Guarantees  14:50 - The Importance of Control  25:12 - Final Thoughts and Key Takeaways    ► Join The Subto Community & Learn Creative Finance Directly from Pace:  https://paceapproves.com/subto-gc?utm_source=Apple&utm_medium=video&utm_campaign=getcreativepodcast  ► Want to Become a Private Money Lender? Join Us For The Upcoming LIVE Training this Saturday to Learn How to Lend Money on Real Estate Deals: https://pacejmorby.com/exclusive-training-new?el=yt&htrafficsource=desc&utm_medium=video&utm_source=Apple&utm_campaign=getcreativepodcast&utm_content=    ► Join Our Free Facebook Group to Connect with Pace and his Students: http://paceapproves.com/freefb-yt?utm_source=Apple&utm_medium=video&utm_campaign=getcreativepodcast    ► Become a Top Tier Transaction Coordinator and Make Money Doing The Paperwork For Real Estate Transactions: https://paceapproves.com/tttc-gc?utm_source=Apple&utm_medium=video&utm_campaign=getcreativepodcast    ► Listen To Pace and His Students Share Insider Secrets To Real Estate Investor Success: https://getcreativepodcast.com/    PLUG IN & SUBSCRIBE Instagram: https://www.instagram.com/pacemorby/  TikTok: https://www.tiktok.com/@pacemorby 

In this episode of Life and Listings, we dive into the world of business credit and funding for real estate with Amanda Webster, the COO of Fund & Grow. Amanda shares her journey of managing a top funding company that helps entrepreneurs—especially those in real estate—access unsecured revolving credit to fuel their business ventures. We discuss the ins and outs of obtaining business credit, why it's crucial for real estate investors, and how new businesses or those with limited credit can build a solid funding foundation. Amanda also talks about her life outside work as a mom of five and military spouse, balancing a busy personal life with her professional role. Join us as we learn valuable insights on navigating business credit and tapping into funding options many entrepreneurs may not know are available!   "Business credit is a powerful tool that lets real estate investors close deals like cash, pay for rehab costs, and even cover marketing expenses. We aim to make it accessible to all—from brand-new LLCs to seasoned businesses—so they can scale and succeed."   Key Takeaways: Understanding Business Credit in Real Estate: Amanda explains how Fund & Grow helps real estate entrepreneurs tap into business credit, providing them with unsecured capital to fund projects, from property purchases to lead generation software. Origins and Growth of Fund & Grow: Fund & Grow was born out of a need to support real estate investors when HELOCs dried up during the 2007 housing crash. The company's unique focus on real estate helped them tackle one of the hardest-to-fund industries. The Funding Process: Fund & Grow offers a comprehensive, step-by-step process for clients, including a consultation and personal credit audit, to ensure they receive funding suitable for their needs, starting from $30,000 to $100,000, with a 12-18 month goal of building up to $250,000. Importance of Personal Guarantees and Building Business Credit: Amanda emphasizes the role of personal guarantees in securing business credit for high-risk or new businesses. Her team educates clients on maintaining personal and business credit profiles, aiming for long-term financial health. Balancing Education and Service: Fund & Grow not only provides funding but also educates clients on credit use, ensuring they understand the process and are empowered to manage and grow their credit independently in the future.   About Amanda Webster: Amanda Webster is Fund&Grow's Chief Operating Officer. She joined the team in 2020 with vast legal knowledge and over 20 years of management experience, and she has been pivotal to the company's continued growth. Amanda is the CEO's right-hand to ensure all departments continue to run smoothly, works with the management team to improve processes, and coordinates employee events to foster a healthy work environment. As Chief Operating Officer, Amanda works closely with all departments to stay ahead of changing industry trends and ensure each client receives the most funding possible at the best terms when looking to launch or grow their operation. With a passion for sharing her immense knowledge, Amanda Webster has set a trajectory with Fund&Grow to empower countless entrepreneurs, offering the tools and support needed to take their businesses to the next level.   Connect with Amanda: Website: https://www.fundandgrow.com/amanda Facebook: https://www.facebook.com/amanda.webstercoo LinkedIn: https://www.linkedin.com/in/amanda-webster-coo/ Instagram: https://www.instagram.com/amandawebstercoo/ Connect with Jennifer Staats: Website: staatssolutions.com Staats Solution Instagram: https://www.instagram.com/staatssolutions/ Jennifer Staats Instagram: https://www.instagram.com/jennifertherealtor LinkedIn: https://www.linkedin.com/company/staatssolutions/

Master Business Credit: Fund Your Growth Without Personal Guarantees Many business owners struggle to secure funding without risking their personal assets. Relying on personal guarantees leaves them vulnerable, and it can feel impossible to get the credit they need to grow. Imagine trying to scale your business while constantly worried that one misstep could put your personal finances—and even your home—on the line. It doesn't have to be this way. Most entrepreneurs aren't aware of the hidden strategies that the big corporations use to access credit without the personal risk. In this episode of Profit with a Plan, business credit expert Murray Beaulieu reveals how you can build strong business credit, avoid personal guarantees, and tap into new opportunities for funding. Learn the insider tips to protect your assets, manage cash flow, and set your business up for long-term financial success. Key Takeaways: Boosting Your Business Credit Timestamp [00:00:07]: Marcia introduces the topic of how to build business credit without risking personal assets. Murray emphasizes that most businesses under $100 million lack the resources to leverage business credit properly. Using Business Credit Without a Personal Guarantee Timestamp [00:13:05]: Discover why it's essential to avoid personal guarantees and keep your business liability separate. Murray shares how to build credit under your EIN, reducing personal risk and protecting personal assets. Transferring Business Credit When Selling Your Company Timestamp [00:16:36]: Marcia and Murray discuss how building a strong business credit profile can increase your company's value when selling. Learn how to transfer business credit with the sale, making your exit strategy smoother. Floating Accounts Payable & Receivable Timestamp [00:21:11]: Murray touches on managing cash flow with business credit, using lines of credit, and loans against accounts receivable or inventory to maintain flexibility. Other Highlights: The Difference Between Personal and Business Credit Timestamp [00:09:00]: Business credit isn't automatic like personal credit. You must be intentional and proactive to build it. The importance of consistency in business data (addresses, phone numbers, etc.) across all platforms to avoid credit rejection. The Power of Leveraging Business Credit Timestamp [00:14:30]: Business credit opens doors to better terms, lower insurance premiums, and credibility in the marketplace. Murray shares how a small business used business credit to outbid a larger competitor for a government contract. Tips for Building Business Credit Timestamp [00:25:01]: Murray shares actionable steps to ensure your business looks credible to credit bureaus, including maintaining consistent addresses and registering with business credit agencies like Dun & Bradstreet. Actionable Advice: Transition personal expenses used for business (like phones, utilities, etc.) into your business name to start building credit. Regularly check your business credit report and ensure all information is up to date and consistent. Avoid using personal guarantees whenever possible by building credit through your EIN. Call to Action: Want to learn more about how to build your business credit? Connect with Murray Beaulieu on LinkedIn and get a free business credit report evaluation as a special offer for podcast listeners! Mention you heard about him on Profit with a Plan. Subscribe & Learn More: Don't miss future episodes of Profit with a Plan, where we share tips and strategies to grow your business and increase profitability. Subscribe on your favorite podcast platform  These notes are optimized for keywords such as business credit, boost business credit, no personal guarantee, EIN credit, cash flow management, and business funding.     This episode is sponsored by Infinite Profit ® —We don't just talk profit — we deliver it! Is your business ready for explosive growth? Visit InfiniteProfitConsulting.com to learn how Marcia and her team can help you boost profits and set your business up for long-term success.     Grab Your Free Resource: Looking to supercharge your profits? Download Marcia's Profit Booster Playbook at BoostingProfit.com to uncover three essential strategies to increase your bottom line today.     About Marcia Riner.  She is a business growth strategist who helps business owners dramatically increase their revenue, profit, and the value of their company. In fact, she can show prospective clients a clear pathway to profit and an impactful ROI for working here before hiring her firm. Through her proven Profit Booster® strategies, she gets results. Marcia is the CEO of Infinite Profit® and more information can be found at https://www.InfiniteProfitConsulting.com Got questions?  Reach out to Marcia and her team at (949) 229-2112 ♾️

Episode 33: Fed Rate Cuts, Cap Rate Chaos, and Net Lease NightmaresKey Topics Covered:The Fed's Recent Rate Cut – We break down what the much-anticipated rate cut means for commercial real estate and why the excitement may be a little overblown. If you've secured fixed-rate financing recently, this news might not change much for you.Cap Rate Trends – With inventory levels in net lease markets skyrocketing, we explore how this supply surge is shifting investor behavior and driving up cap rates. Plus, we explain how market dynamics might lead to tougher decision-making for investors facing a glut of options.Net Lease Mistakes – From co-tenancy clauses to the dangers of relying on personal guarantees, we tackle the common (and costly!) errors that investors need to avoid in today's market. Learn why giving away control of your destiny can make deals unravel.Market Velocity – After a slow summer, deal-making is picking up. We discuss why commercial real estate transactions are starting to move again and the psychology behind it. Is FOMO driving buyers to jump in, or is it more about capital managers needing to deploy funds before the year ends?Fun Sidebar – Listen in as BJ and Isaiah debate the pros and cons of Apple Music vs. Spotify, share a laugh over car tech quirks, and celebrate how a little humor helps lighten heavy industry insights.Key Takeaways:The rate cut is old news—don't fall for the hype.Inventory overload in net lease is creating cautious (and choosy) investors.Co-tenancy clauses and personal guarantees can be sneaky pitfalls—know what you're signing.Market velocity is back, but is it for the right reasons?Mentioned in this Episode:July and August deal-making trendsInventory trends in net lease marketsCap rates: where they are and where they're headedPersonal guarantees and tenant financialsThe psychology of decision-making in an oversupplied market

Andrew Windham shares insights into the financial pitfalls that many entrepreneurs unknowingly fall into, and how misguided confidence can lead to costly mistakes. Andrew challenges all you business owners out there to rethink your approach to wealth management by shifting the focus from revenue to profit and taking control of your financial decisions. He talks about how a comprehensive, values-driven strategy can protect and grow wealth, pointing out the importance of proactive planning and expert collaboration. Tune in to hear Andrew give his perspective on building a lasting legacy while avoiding common financial traps! Chapters 00:00:00 - Kicking Off with Andrew's Philosophy on Life and Wealth 00:00:55 - Meet Andrew Windham: The Financial Strategist You Need 00:04:10 - The Dunning-Kruger Effect: How It's Hurting Your Business 00:07:40 - Wealth Management Simplified: Making It Work for You 00:09:40 - Cutting Through the Noise: Simplifying Major Financial Decisions 00:13:25 - The Concierge Approach: Handling Your Financial Decisions with Ease 00:17:10 - Business Credit: The Hidden Risks of Personal Guarantees 00:22:05 - Tax Strategies 101: Setting Up the Right Business Entities 00:26:30 - Revenue vs. Profit: Why Most Entrepreneurs Get It Wrong 00:27:50 - Paying the Dumb Tax: Learning from Financial Missteps 00:28:20 - Integrity Check: Are You Shortchanging Your Family? 00:30:55 - Estate Planning: Protecting What Matters Most 00:32:25 - Crafting a Financial Strategy That Aligns with Your Values 00:34:15 - Juggling Act: Family, Business, and the Financial Balance 00:37:05 - Financial Integrity: The Foundation of Sustainable Success 00:43:50 - Must-Read Books for Entrepreneurs 00:47:05 - Defining Success: What It Means to Be Better Than Rich 00:48:30 - Final Takeaways and How to Connect with Andrew Connect with Andrew Windham here: Andrew on LinkedIn College Planning Institute Educated Freedom Podcast Book Recommendations The Bible The Road to Less Stupid by Keith Cunningham Never Split the Difference by Chris Voss and Tahl Raz You Were Born for This by Bruce Wilkinson and David Kopp Connect with The Better Than Rich: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get Your Free Delegation Plan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Better Than Rich ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BTR Mini-Course⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok

The 12 things that a property development lender looks for before providing lending for a project! The topic centers around what lenders are looking for when considering funding a property development project and the key things that they must know in advance. Understanding what lenders want is crucial before seeking lending, and Moxin and Cheryl emphasized on it by explaining the importance of being prepared to answer their questions. Lenders want to know the nature of the deal, the feasibility of the numbers, and the legal ownership of the project. They also need to understand who is running the project and the key decision-makers involved. Moxin Reza along with Cheryl Leong highlighted the importance of establishing a good relationship with valuers and providing them with accurate and realistic information to ensure accurate valuations. Click on the link below to download Australian Bestseller “A Millennial's Guide to Property Investing” now! https://www.amazon.com.au/dp/B0CRF48GGR Episode Highlights:  00:00 Welcome to Helpmebuy Property Podcast 05:02 Understanding Feasibility and Legal Ownership 14:13 Assets, Liabilities, and Personal Guarantees 24:10 Building a Relationship with Valuers Resources:  Visit the Investor Partner Group website: https://investorpartner.com.au/ Join us on our FREE Facebook Group: https://www.facebook.com/groups/helpmebuyau   You can also connect with us on https://www.linkedin.com/company/77080688. For more podcast episodes, subscribe to our Youtube Channel at https://www.youtube.com/@moxinreza.   Keep smiling, be kind, and continue investing. Peace out!  Hosted on Acast. See acast.com/privacy for more information.

#TheFreightCoach Morning Show is The TOP Transportation Morning Show is LIVE every weekday at 10:30 AM CST to breakdown THREE transportation industry headlines! Mark your calendars! To learn more abut business financing: https://info.denim.com/download-scorecard To Donate To The Make A Wish Foundation:  https://secure2.wish.org/site/TR/WalkForWishes/Make-A-WishSouthernNevada?team_id=47767&pg=team&fr_id=5522  Check out my YouTube Channel for further industry insights! https://www.youtube.com/channel/UCjrL70IEnCfDkNaiYMar3jw Make sure to subscribe and share! They are the new wave for freight brokers and freight brokerages to separate themselves from the competition! Thank you to my sponsor: https://www.greenscreens.ai/thefreightcoach  Ditch your carrier packet, Drive more carrier sales and get better load coverage with seamless digital onboarding, TMS integration, and smart load coverage, visit: https://brokercarrier.com/

In this episode of The Simple Profit Podcast, host Tu Le begins an informative three-part series on the critical importance of lease negotiations for business spaces. This series is so rich in crucial information that we've split it into three parts to ensure you grasp every valuable detail. Part 1 zooms in on understanding and negotiating the guarantee terms in rent agreements, crucial for safeguarding both your business and personal finances. Tu discusses strategies for minimizing personal liability, such as advocating for no personal guarantee terms or a limited guarantee period, to protect personal assets in the event the business fails. For more tools to efficiently manage your business, check out MyStudio's powerful membership management software at www.mystudio.io. Timestamps: 01:22 Why Lease Negotiation is Crucial for Your Business and Personal Finances 02:27 Expert Tips for Navigating Lease Negotiations 03:01 The Dangers of Personal Guarantees in Leases 05:08 Strategies for Minimizing Liability in Lease Agreements 10:26 Understanding Corporate Guarantees and Limiting Personal Exposure 11:49 Navigating the Challenges of Lease Negotiation

The Federation of Small Businesses have had their Super Complaint about Personal Guarantees (PG) rejected by the utterly toothless FCA (no surprise there!) and they are FURIOUS! Why should we be bothered? Ray and Nigel highlight the peril at signing a PG without fully understanding it. You can watch Nigel renovate a lopsided house: ⁠⁠⁠⁠⁠https://www.youtube.com/@escapetothedreamhouseuk⁠⁠⁠⁠⁠ IF YOU NEED HELP: Get in touch hello@htrmoney.co.uk and talk to us, we may be able to help. A trouble shared is a trouble halved! Email us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠hello@htrmoney.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Watch us on YouTube ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@howtoraisemoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Recommended Equipment, Software and Books - click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HERE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ REMEMBER to review us on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Resources: NOT SURE WHERE TO START? Start here by clicking the link below Get your free resource guides - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HERE https://www.htrmoney.co.uk/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ How to Leave a Review on Apple Podcasts click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HERE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Go to the Resources section for links (e.g. for tax inspection insurance via FSB) ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.htrmoney.co.uk/resources⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join the new HTRM Facebook Group! Here is the link: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/groups/htrmoney/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you would like Ray and Nigel to work with you then get in touch - email us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠hello@htrmoney.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Our website is appearing (slowly!!) ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HERE or https://www.htrmoney.co.uk/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Email us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠hello@htrmoney.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Before you do anything else, remember that anything Ray or Nigel talk about, share, discuss, etc is for entertainment purposes only. It is not financial, legal or any other advice of any sort! Do not rely on anything we say or share or do because we are doing it for entertainment purposes only. Think of it like this...we are discussing topics that people may like to investigate further; ideas and information that you might want to consider further; and that sort of thing. You should always seek your own independent advice from relevant people such as lawyers and accountants. Although Ray is a qualified solicitor and Nigel is a qualified accountant, we do not have any agreement with you unless expressly and clearly documented in a contract, so please just enjoy our podcast, our info and our content and use it to as a call to action to seek professional and relevant advice specific to you. Does that make sense? Are we clear on this?! If not, then drop us an email and we can tell you the above again! The reason we say this is that everyone's situation is unique and for us to share general content like we do it means it cannot possibly be taken as specific advice just for you. Happy? We certainly hope so. Now go and review our 'entertainment' podcast and we will love you forever! Much love and gratitude, Ray and Nigel PS that link re Nigel losing 14kg in weight - use this affiliate link ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HERE

If it's hard, it can be a moat. Determine... Is it a moat? or is just a crappy part of the business a deal killer? PG's are real. Personal Guarantees. How to think about them. State of the Market SBA loan rates right now.   Episode Sponsored By Looking for fantastic remote workers?   Call to Action Book a Call with Me Let's Buy a Business Newsletter 10 Step Video series to Finding a Company to Buy Let's Buy a Business Youtube Episode Resources Connect with Ryan Condie http://linkedin.com/in/ryancondie http://letsbuyabusiness.com/ https://forms.gle/RRcXpe3dK7pNGqv16 How to Buy Your First Small Business through Acquisition Entrepreneurship: https://letsbuyabusiness.com/course Stay Up to Date Newsletter: https://lbab.beehiiv.com/subscribe 

Artem Tepler sadly passed away on November 2nd, 2023. He visited me in Fort Worth and I'll never forget it. He was funny, and kind, and had a servant's heart. His story was infectious. I know he loved his daughter more than anything. That made up most of our conversation at lunch. Pray for Artem and his family. If you're able to give, there is a GoFundMe set up for his daughter, which can be found here: https://www.gofundme.com/f/artem-tepler On this episode, I am joined by Andrew Kirsh and Zack Streit. Andrew is an experienced commercial real estate transactional attorney, whose clientele includes a broad spectrum of national, regional, and local investors, funds, developers, operators, syndicators, private equity providers, and lenders. Andrew's practice involves all aspects of the real estate industry, including acquisitions, dispositions, equity investments, syndications, fund formation, development, leasing, financing, note purchases, and foreclosures. Zack has 15 years of multifaceted commercial real estate investment and advisory experience, including as an equity capital provider, a debt capital provider, and a capital advisor. His 8 years of institutional principal investment experience laid the foundation for a career as a capital advisor, where he has co-founded a capital advisory platform and closed billions of dollars in commercial real estate ventures.  We discuss: Personal Guarantees Personal vs. Non-recourse loans What to do when a deal and loan goes bad Foreclosing on a personal guarantee Filing for bankruptcy Links: GoFundMe for Artem's daughter Andrew on Twitter Zack on Twitter SklarKirsh WAY Capital Topics: (00:00:00) Intro (00:01:42) Personal Guarantees (00:10:57) Personal vs. non-recourse loans (00:20:14) How lenders are treating covenants in today's environment (00:25:03) Lookback periods (00:31:18) Capex Busts (00:33:41) Is the banker really my friend? (00:37:28) What to do when a loan goes bad (00:57:54) Deciding to foreclose when you have a personal guarantee (01:00:36) Filing for bankruptcy (01:09:46) Final Thoughts We'd appreciate you filling out our audience survey, so we can continuously work on providing relevant content to our listeners.  https://www.thefortpod.com/survey Chris on Social Media: Twitter: https://bit.ly/3BYIjcH LinkedIn: https://bit.ly/45gIkFd   Watch The Fort on YouTube: https://bit.ly/3oynxNX Visit our website: https://bit.ly/43SOvys Leave a review on Apple: https://bit.ly/45crFD0 Leave a review on Spotify: https://bit.ly/3Krl9jO  The FORT is produced by Johnny Podcasts

Episode 181 - this week I discuss the issue of stress when a deal goes badly wrong.  My guest this week is Zaf Bhunnoo from London, a real estate developer who found himself on the wrong side of a personal guarantee given to a bank when his project looked a sure thing.  This is a heavy topic with some great, valuable insights and advice from Zaf.  I hope you enjoy… Connect with Zaf on LinkedIn - https://www.linkedin.com/in/zafarb/  Connect with Zaf on Instagram - https://www.instagram.com/zafarb/  *** Assess your investor suitability - https://eliteproperty.scoreapp.com Join my mastermind - https://www.elitepropertyaccelerator.com Join the tribe - https://www.elitepropertyaccelerator.com/stayintouch BTF YouTube channel – https://youtube.com/@BehindTheFacade *** https://www.linkedin.com/in/gavinjgallagher/ https://www.instagram.com/gavinjgallagher/ https://www.tiktok.com/@gavinjgallagher/ https://twitter.com/gavinjgallagher *** #investment #realestateinvesting #propertyinvestment  

Episode 181 - this week I discuss the issue of stress when a deal goes badly wrong.  My guest this week is Zaf Bhunnoo from London, a real estate developer who found himself on the wrong side of a personal guarantee given to a bank when his project looked a sure thing.  This is a heavy topic with some great, valuable insights and advice from Zaf.  I hope you enjoy… Connect with Zaf on LinkedIn - https://www.linkedin.com/in/zafarb/  Connect with Zaf on Instagram - https://www.instagram.com/zafarb/  *** Assess your investor suitability - https://eliteproperty.scoreapp.com Join my mastermind - https://www.elitepropertyaccelerator.com Join the tribe - https://www.elitepropertyaccelerator.com/stayintouch BTF YouTube channel – https://youtube.com/@BehindTheFacade *** https://www.linkedin.com/in/gavinjgallagher/ https://www.instagram.com/gavinjgallagher/ https://www.tiktok.com/@gavinjgallagher/ https://twitter.com/gavinjgallagher *** #investment #realestateinvesting #propertyinvestment  

Avoiding personal guarantees on business loans? Can one avoid a personal guarantee on a business loan? I explore the ways in which I've seen them limited or avoided. But, it was a real head-scratcher to work on for sure… Watch here now: https://youtu.be/1XOhSrIB4co Want to sell a business and need to know more: https://www.HowToSellMyOwnBusiness.com Learn how to buy a business at https://www.BusinessBuyerAdvantage.com Book a call with me at https://www.CallDavidBarnett.com Join me on Twitter: https://www.twitter.com/dbarnettmoncton Books can be found in my Amazon store: https://www.amazon.com/shop/davidbarnett Stop missing my new videos. Join my email list here: https://www.DavidCBarnettList.com Build an equity asset that is guaranteed to grow over time, never lose value and give you access to liquidity whenever you need it without having to qualify for credit- EVER. Learn more and sign up for a no-obligation consultation at https://www.NewBankingSolution.com

What is a personal guarantee, and should you sign one to help a family member or a friend? Would your personal assets be at risk if you become a guarantor? Could you limit the value of your assets that would be at risk if the debt was not repaid by the borrower that you helped out, and if the guarantee got called in? How can you challenge a personal guarantee that you have signed, if you wanted to put an end to your responsibility as a guarantor? Becoming a guarantor is a very serious consideration, and in this episode we give you the answers that you NEED to know, if you are considering becoming a guarantor, and information you should have as part of your general knowledge of our laws. Listen to our host Hatti Suvari and seasoned Barrister Rebecca Jones to get quick, jargon-free legal information and tons of top tips, in plain and simple English!#personalguarantee #businessloans #personalassets #loans #borrowing #legallearning #getlegallyspeaking #hattisuvari #rebeccajones #23essexstreetchambers

Are you wondering how to maximize your credit score to get as much funding for your business as possible? Give me less than an hour of your time, and I'll show you some simple hacks to grow, improve, and otherwise maximize credit score for your business so you can use it to the fullest extent possible.

People are scared of Personal Guarantees (PG). They should be. Let me explain why you are required to sign one. Personal Guarantees are not for everyone. Neither is buying a business, BUT you're trying to jump forward 5-10 years ahead when you buy a company. Episode Resources Connect with Ryan Condie http://linkedin.com/in/ryancondie http://letsbuyabusiness.com/ https://forms.gle/RRcXpe3dK7pNGqv16 Personal Guarantees: https://buythenbuild.com/personal-guarantee Ryan Twitter - https://twitter.com/RyanPaulCondie 

NOTE: This podcast is not a substitute for professional consul. Consider reaching out directly to any person on this show if you have further questions before taking action on your own.** Welcome to Corporate Bankruptcy A to Z, a show designed to educate you on the ins and outs and the dos and don'ts of corporate bankruptcy. On this show, you will hear experts from every step of the bankruptcy process answer the questions that you will need to know, from the simple to the complex.Email your questions for the experts to neil@elementarybusiness.com and to sravin@saul.com  Their door is always open and they will respond.  Find more at corporatebankruptcyatoz.com 6:47 - Josh discusses the traps of a bankruptcy7:55 – Preference claims, personal guarantees, avoidance actions9:25 – Small to mid-sized capitalized companies10:10 –  Example of a preference claim14:13 – Look back period for owners and insiders 16:36 – Fraudulent transfers 16:28 – Excess payments 18:43 – Critical vendor motion and how to handle difficult vendors20:27 – When to file21:09 – Look back periods for insiders, equity owners, and personal guarantees. 22:20 – Violations22:44 – A case study – highlighting insiders violation24:21 – Owners' Personal Guarantees  in a bankruptcy.28:59 – Do owners keep their ownership in the company?30:43 – The zero value of the company upon bankruptcy32:41 – Closing thoughts. 34:01 – Josh's favorite cases35:14 – Steve shares his closing thoughts38:18 – OvertimeGuest Info:Josh Eppich specialized in helping businesses reach their goals and solve their challenges. He has significant experience representing debtors and creditors in Chapter 11 and 7 Bankruptcy cases across the USA.Call him (817) 405-6905 or email him joshua@bondsellis.comHost Info:Neil Goldstein (AKA the Workout Guy) is the founder of Elementary Business inc. a specialized consulting firm for distressed businesses and entities in transition.  With many successes in his portfolio, Mr. Goldstein focuses on the needs of the owner to achieve results in profitability, sale of the company or finding a partner for growth.Neil's book is now available on Amazon.com Call 940-808-9451 or Email neil@elementarybusiness.com or visit ElementaryBusiness.com.  Visit his Blog here Stephen B. Ravin is a highly seasoned insolvency and bankruptcy attorney, with more than 40 years experience. He has served as a trustee and has represented trustees, individual and corporate debtors, creditors, creditors' committees, assignees for the benefit of creditors and receivers. Call 973-286-6714. Or email him sravin@saul.com You can also visit his firm's website.Next episode will be part 2 in our segment on bankruptcy traps. Our special guest will be Michelle Novick of Saul Ewing Arnstein & Lehr LLP. Listen in on the conversation as she answers questions like “Whos cash is it?” and “What are the different classes of creditors?”.  Want more content? Then head over to Patreon and become a member. On Patreon we are working on a catalogue of bonus episodes and you can hear the answers to your questions from a business perspective instead of just a legal one. If you want more direct access to Neil and Steve or want to supplement the education you are already getting here, then follow the link in the show notes below and become a Patron today.

In this episode, retina specialist Dr. Desmond McGuire joins David to discuss everything from his first exposure to ophthalmology back in high school, as well as how his parents influenced his commitment to saving for retirement. Dr. McGuire and David then review how Desi founded his practice by purchasing it from a few physicians and then examine the risk of signing personal guarantees on investment deals, with Desi sharing a private investment deal he was involved in that did not go as planned.   You can find show notes and more information by visiting www.physicianswealthpodcast.com. 

Opening the latest Business Finance Bulletin, good news in a survey from Hitachi Capital Business Finance, which reveals that despite continuing lockdowns, many businesses are still looking ahead to growth. But not all sectors are so confident. We look at findings from Purbeck Insurance Services which highlight that businesses which took on larger CBILs facilities have exposed Directors to an element of personal risk via Personal Guarantees. To close, not all businesses are keen to take on debt to keep cash flow positive or fund new projects and would prefer a grant. We look at a new free grant finder service launched by Nat West and Swoop which could help source the right grant.

Don Henig is the Co-founder of AccrueMe, a financial technology company that provides funding and support to small and medium-sized Amazon businesses. Don is also the President of Propzy, an app that allows users to buy, rent, and sell real estate via social media. In addition to this, Don boasts an impressive and eclectic background as the creator of an entertainment company that produced the Broadway show, Rock of Ages, the founding partner of a physical soccer publication, and so much more. Rob Stanley is a successful entrepreneur and the Chief Marketing Officer at AccrueMe. With over 20 years of experience in the e-commerce industry under his belt, Rob is a well-known expert on Amazon, eBay, YouTube, Google Ads, and more. Before joining the team at AccrueMe, Rob successfully founded, scaled, and sold two 7-figure e-commerce brands. In this episode… Are you tired of pouring all of your time, energy, and money into growing your business, only to experience no results at the end of the day? What if there was a way to significantly scale your business without losing an arm, a leg, and all of your savings? Starting a new business can be one of the most thrilling experiences in the world, but every business owner must face one formidable challenge: growing their company to success. While you want to achieve your revenue goals, you may not have the funding to keep up with inventory, advertising, or even day-to-day bills. So, how can you take practical steps to dramatically scale your business without breaking your bank account? In this episode of the Quiet Light Podcast, co-host Joe Valley sits down with Don Henig and Rob Stanley of AccrueMe to discuss how Amazon sellers can receive abundant growth capital without interest, monthly payments, or loss of company ownership. Listen in to learn about AccrueMe's simple process for providing funding to Amazon sellers, why Amazon Lending could hurt—not help—your business in the long run, and how to start expanding your Amazon store today. Stay tuned!

Ty Crandall is an internationally known speaker, author, and business credit expert. With over 17 years of financial experience, Ty is recognized as an authority in business credit building, business credit scoring and business financing. He currently serves as the CEO at Credit Suite. With Credit Suite, Ty consults with and advises companies on business […]

People are scared of Personal Guarantees (PG). They should be. Let me explain why you are required to sign one.   Personal Guarantees are not for everyone. Neither is buying a business, BUT you're trying to jump forward 5-10 years ahead when you buy a company.   Episode Resources Connect with Ryan Condie  http://linkedin.com/in/ryancondie  http://letsbuyabusiness.com/  https://forms.gle/RRcXpe3dK7pNGqv16 https://buythenbuild.com/personal-guarantee

When the bank asks you for a personal guarantee on your small business loan (and it will), here's what you need to know.

A lawyer acting for a group of Auckland tenants who have been served notice to pay rent arrears says business evictions will become common, unless there are stronger measures for solving Covid-induced rent disputes. Kate Sheehan is acting on behalf of eateries based in Elliott Stables, in the central city. They've been served Property Law Act notices for rent and operating expenses they owe to their landlord, Icon Group. Icon delivered $675,000 in rent relief to the tenants during the first lockdown. But the tenants argue the second lockdown, ongoing roadworks and a lack of foot traffic have meant they're operating at an extensive loss. Because the tenants received some rent relief, they're also ineligible for help from the government's new $40m arbitration services fund. The group is crowd-funding help for legal fees, which they say could lead to a law change to prevent others being caught in this situation.

A lawyer acting for a group of Auckland tenants who have been served notice to pay rent arrears says business evictions will become common, unless there are stronger measures for solving Covid-induced rent disputes. Kate Sheehan is acting on behalf of eateries based in Elliott Stables, in the central city. They've been served Property Law Act notices for rent and operating expenses they owe to their landlord, Icon Group. Icon delivered $675,000 in rent relief to the tenants during the first lockdown. But the tenants argue the second lockdown, ongoing roadworks and a lack of foot traffic have meant they're operating at an extensive loss. Because the tenants received some rent relief, they're also ineligible for help from the government's new $40m arbitration services fund. The group is crowd-funding help for legal fees, which they say could lead to a law change to prevent others being caught in this situation.

On this week’s Money Matters, Scott and Pat discuss the current disconnect between the stock market and the broader economy.   Scott and Pat advise a recent college graduate looking to invest $45,000. A part-time worker nearing retirement asks how he should pay down his credit card debt. A caller who recently switched jobs asks what he should do with his 401(k). Finally, a man with $350,000 in savings and a pension asks if he should take Social Security early.   Ask a question by clicking here, or email Scott and Pat at questions@moneymatters.com.   Download and rate our podcast here.

Nathan Fox is Head of Working Capital, UK for Payoneer. Payoneer is the market leading payment solution for ecommerce sellers How are your ecommerce clients getting on? Payoneer covers a spectrum of ecommerce sellers in locations. In the UK and Europe, a lot of sellers in certain categories have been doing quite well. Essentials, health things, baby products have done well. Those dealing in electronics or other goods made outside UK have seen a downturn in sales since start Jan. Defining working capital For Payoneer, they see working capital as an important pillar for an ecommerce seller. “Working capital”  meaning Net assets minus net liabilities. Day-to-day running of the business. It's mostly cash, but could be inventory or accounts receivable. Positive cashflow means you should have strong working capital. Why working capital matters for eCommerce Nathan has realized how important working capital is for sellers. Initially it was just for buying inventory and making more revenue and more profit. But they've seen that businesses use it to cover overheads or taxes. Or emergency machinery breakdown. Are these issues not addressed by mainstream banks? It's everyone's first option. The banks have changed a lot esp. since the financial crisis. They are not usually as open to talking to eCommerce sellers. Loans may not so easily available in e-commerce? They normally need a personal guarantee as well. What Payoneer offers as working capital Working capital product is not a “loan” per se but it's a purchase of future receivables Then that's how they get paid. It's based on average monthly sales based on about 6 months' trends. Eg  receive $50K/mo from Amazon Selling a year There are no Personal Guarantees or credit checks. There is no APR, interest, just a fixed fee eg 2.5% for £10,500 Why sellers might borrow money Sellers might Want to buy more stock or do more advertising Have API with amazon, can see 6 months' sales history If it's consistent, can advance up to 100% of that. No term loan limit Generally, Payoneer takes 30% of your earnings back until the loan is paid back. Sometimes sellers' sales have dropped below a certain amount and after about 9 months, they might have to find alternative repayment agreement. Differentiation point: No credit checks No personal guarantees Mitigate risk by analysing store performance Hence API access (via MWS token) 6 months' worth of sales data Order defect rate, pre fulfilment cancellation rate etc. Need to have been on the marketplace for min. 12 months Hit certain criteria - last 6 months' amazon receivables Cost of loans Intro fee 2.5% flat fee of amount taken Eg $50K cost $1250 Future loans - Fee same at the moment Comparisons Paypal working cap around 5% What is the purpose of this? Help with short-term capital requirements Advertising - it's very important to advertise on Amazon to get on the First page Plus getting on Facebook etc. can be a key area where people use working capital to get themselves Are you seeing big issues with repayments of loans? Not seeing many defaults - won't see full impact of it until everything has calmed down a bit. People are more planning about how they might survive when we've come out of this. The strong businesses and that have contingencies will survive. There will be some luck. Some people have had to turn to alternative logistics suppliers as FBA has shut down. If you're adaptable, you'll do okay. It may be the business model has to change eg Deliveroo has changed to no contact delivery. There may be less of a reliance on the Far East to manufacture. Closing borders might lead to local sourcing. Managing cashflow in this time for ecommerce Try not to make impulse decisions you can't change down the line. Make logical decisions rather than irrational ones. Plan for the next several months.

If you're a business owner, it's likely that at one time or another you've been asked to provide a personal guarantee to a contract. But just because it's asked, doesn't mean it's required. Here's everything you need to know before signing a personal guarantee.

If you’re a business owner, it’s likely that at one time or another you’ve been asked to provide a personal guarantee to a contract. But just because it’s asked, doesn’t mean it’s required. Here’s everything you need to know before signing a personal guarantee. [EP 096] How to deal with Personal Guarantees – Don’t Set and Forget | Aspect Legal

If you're a business owner, it's likely that at one time or another you've been asked to provide a personal guarantee to a contract. But just because it's asked, doesn't mean it's required. Here's everything you need to know before signing a personal guarantee.

If you're a business owner, it's likely that at one time or another you've been asked to provide a personal guarantee to a contract. But just because it's asked, doesn't mean it's required. Here's everything you need to know before signing a personal guarantee.

The credit crunch in 2008 was the start of the rise of the so-called Challenger Banks. This month, one of those early entrants, Aldermore Bank, celebrates its 10th anniversary. To open our latest Bulletin, we take a look at Aldermore’s achievements over the last 10 years. When borrowing via a Limited Company, one downside is that lenders expect Directors to provide Personal Guarantees. Many can be reluctant to sign and in some cases it’s enough to put them off borrowing. However, that risk can be offset by taking out a Personal Guarantee Insurance policy. We take a look at how it works and where you can obtain such a Policy. To close this Bulletin, news from The Small Business Commissioner that it has named-and-shamed another high profile business for its late payment practices. Another success story for the Commissioners Office with £32,000 paid following its intervention.

Sounds great doesn’t it?  Would you like to be in this position? Already in Australia over $23.1 million has been raised by 27 companies since Crowd Sourced Funding Equity Raising was given the “green light” just 4 months ago. This change represents the biggest change in business finance for small and medium-sized businesses in the last 35 years. Crowd Sourced Funding Equity Raising offers a number of distinct advantages for your business/company. Why do I think Crowd Sourced Funding Equity Raising will receive a vote of thanks by the Australian small and medium-sized business sectors?   READ THE FULL ARTICLE HERE

*** (Continuing from our last conversation From Wednesday 02-13-2019)  This is For Business Owners, Aspiring Business Owner. and those who may know Business Owners that could use this information.  This is Information will usually cost you several thousands of dollars to get. Only for my Listeners who are Serious About Becoming Business Owners and Want to Practice Wealth Principles  www.DivineWealthPrinciples.com CALL IN (657) 383-1528

Today I will be walking you through the process of Establishing Business Credit This is For Business Owners, Aspiring Business Owner. and those who may know Business Owners that could use this information.  This is Information will usually cost you several thousands of dollars to get. Only for my Listeners who are Serious About Becoming Business Owners and Wealthy  www.DivineWealthPrinciples.com CALL IN (657) 383-1528

Debt is everything to a young business. Unless you’re already independently wealthy it’s the only way to fund your business. But your business is only going to get access to credit if you are going to personally guarantee the loan. Personal Guarantees are an essential business tool. You may want to deploy them when you are giving products or services to your customers on credit. But you have to get them right. Here are some ways personal guarantees can go wrong.

Ty Crandall is CEO of Credit Suite, the largest business credit coaching operation in the United States. He and his colleagues know the ins and outs of finding the funds to fuel your business and its growth, without having to provide lenders a personal credit check or personal guarantee. Ty tells host and reputation coach Dean Rotbart that he is shocked by how little most business owners know about business credit and how best to obtain it. Even simple strategies, such as selecting the right name and email address for your business, can often make the difference between being approved and being denied credit. If you need business credit, or need more business credit, you won’t want to miss what Ty has to say. Photo: Ty Crandall, Credit Suite Posted: May 28, 2018 Monday Morning Run Time: 35:53

Watch the video here: https://youtu.be/hcSTUvXS2Qo I relate a conversation about a reader who wants to do a capital lease and we discuss the best way to negotiate personal guarantees. ▼▼CLICK ▼▼SHOW MORE▼▼FREE INFO & AUDIO BOOK▼▼ ★★★★★ Sign up for my MailChimp e-mail list http://eepurl.com/brqqjb ★★★★ ★Learn to buy a business with my full-day course. Find, analyze, value, structure, finance and execute your deal with this information: http://www.BusinessBuyerAdvantage.com ★How to do Small Local Investing Deals from A-Z. All the tools you need to make loans and leases to people and small businesses in your community: http://www.LocalInvestingCourse.com ★All three of my books in one Bundle: http://gum.co/dOntJ/20000 ★Buy my Book, Franchise Warnings. http://www.FranchiseWarnings.com ★Buy my Book, Invest Local. http://gumroad.com/l/quoB ★Buy my Book, Credit Card Advantage. http://gumroad.com/l/jgfa ★FREE 15 Business Finance Articles. http://gum.co/gCXjx/Free ★FREE How to find local investing deals audio book: http://gum.co/dEnAu/free ★Visit my blog http://www.InvestLocalBook.com ★Sign up for my MailChimp e-mail list http://eepurl.com/XKdW1 ★Talk to me on the phone about a deal you're working on or a decision you're considering http://www.clarity.fm/davidbarnett The Invest Local Book blog is all about small business, local investing, home economics, franchises, small business systems and borrowing money for your business. It's full of great content and I look forward to seeing your feedback. Please don't forget to subscribe to my YouTube channel so you don't miss any great content.

Laura Hall, partner at Sheley, Hall & Williams, joins Michael to discuss mistakes to avoid in leases. Part one covers personal and corporate guarantees.Appreciate the video? The best thank you is to check out our sponsors. See if they might be of value to you, or your referrals. http://commercialrealestateshow.com/c...Don’t miss a show of special interest to you, subscribe to our weekly show topic email notification. You’ll know who’s on the show and what it’s about.http://bit.ly/2gfoKSNYou’re invited to subscribe to the show’s YouTube channel.http://www.youtube.com/subscription_c...For more videos, podcasts, and articles, visit http://www.CREshow.com

Nate Osborn is a partner with the law firm Montgomery Little & Soran in Denver, Colorado. In this bonus minisode, Nate answers the following questions: What is a personal guarantee? Why do landlords and lenders want a personal guarantee? Should your spouse sign a personal guarantee in your business, and if so, what issues can arise? When should you think twice about signing a personal guarantee? What provisions should you pay special attention to in a personal guarantee? Can you ever get out of a personal guarantee after you sign one?

Podcast Episode 6: “Mortgage Basics 6/9 – Corporate Mortgages and Personal Guarantees.” A continuation of how mortgages work in Alberta including discussions of conventional mortgages, high ratio (CMHC) mortgages, personal guarantees, enforceability, assumptions and foreclosures. Also includes 10 very useful true and false questions and an explanation of the court process around a foreclosure. Download … Continue reading Mortgages and Related Security… How Are You Liable? (Part 6 of 9)

Podcast Episode 6: “Mortgage Basics 6/9 – Corporate Mortgages and Personal Guarantees.” Continuing with our mortgage podcast mini series, let’s look at assuming mortgages from a corporation and the issue of personal guarantees. There are certainly lots of details when it comes to mortgage law, which is why you need a lawyer to get a … Continue reading Mortgages and Related Security… How Are You Liable? (Part 6 of 9)

Podcast Episode 3: “Mortgage Basics 3/9 – Personal Guarantees.” A continuation of how mortgages work in Alberta including discussions of conventional mortgages, high ratio (CMHC) mortgages, personal guarantees, enforceability, assumptions and foreclosures. Also includes 10 very useful true and false questions and an explanation of the court process around a foreclosure. Download the audio file (Mac … Continue reading Mortgages and Related Security… How Are You Liable? (Part 3 of 9)

Podcast Episode 3: “Mortgage Basics 3/9 – Personal Guarantees.” The third part of this podcast mini series focuses on personal guarantees to secure a mortgage. This short episode discusses situations where a lender might require a third party to add their name to a mortgage contract as extra insurance. Download the audio file HERE. Download … Continue reading Mortgages and Related Security… How Are You Liable? (Part 3 of 9)

This podcast will explore the use of personal guarantees and the options available for people who signed a guarantee and now wish to terminate the guarantee.