Aug
19
2019

Financing Solutions That Never Fail!

Many real estate buyers have experienced great difficulty in completing their home purchase over the last few years, due to a lender side issue other than the normal credit and job confirmation issues. Many times the buyer has been an A+ credit risk and has had a job for several jobs, but has a problem getting the loan to close with the banks. We can trace all of these problems back to banks and their hesitancy to loan based on current market conditions.

Their Logic

Why would you loan out a trillion dollars when you could create a log jam and loan out ten trillion? The idea here is this, the banks are making borrowing money difficult because they have essentially free money from the government with rates for banks at.5%, then they turn around and loan it at “historic lows” for about a 4-5% per year pure profit. They are taking taxpayer dollars for free, turning around and loaning them for 4-5 points per year back to the same taxpayers they initially got the money from.

Why would you loan out a bunch of different loans when census numbers say that 88 million young people will be getting into to the housing market over the next few years, and many will want home loans. Just make the buyers of today wait a while and you can make your lending environment, regarding laws that apply to the lending industry, more friendly to your industry.

Our Solution

Banks were not initially the lenders in real estate, owners were. When a buyer did not have the cash to pay off a house, the seller simply held the deed and charged and collected interest until the note was paid in full. This is how Americans should buy real estate now.

Even if you have to purchase a building lot and wait a few years to build on it, you are in a far better off situation financially than if you involve a bank. With all of the fees and interest banks charge you, plus the insurance that covers their butts that they make you pay for, you are really the one taking the risk, not them.

The simple solution is for Americans to be patient and not purchase a home until they have at least 20% saved up, then buy land. Buying land, on either a seller note, or your own cash, will make financing your home much easier. Getting back to a frugal mindset that values cash more than materialistic possessions will help you appreciate your money a lot more, and help you grow it more than anything.

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Aug
12
2019

Business Financing Solutions – Equipment Leasing and Used Equipment Financing

To run a company efficiently, it is crucial to have complete access to the supplies and equipment needed to successfully compete within an industry. A trucking company will fail without trucks, a retail sales business needs computers for inventory and registers to assist consumers in making a purchase, and a dentist’s office cannot effectively provide dental procedures to patients without the right specialized dental equipment.

While businesses need the proper equipment to function and compete within an industry, many businesses do not have the funding to fork over thousands of dollars to purchase these crucial pieces. Many businesses do not realize there is a solution for acquiring new equipment or for replacing outdated equipment through leasing. By taking advantage of equipment leasing, companies can get the supplies they need, even if they do not have the funds to purchase them outright.

The Advantages Of Leasing Equipment

There are many advantages to equipment leasing. The following three benefits in particular show how leasing can make more sense than buying. First, many leasing companies offer fast approvals, allowing a business to get the equipment they need quick. Second, leasing provides businesses with beneficial stepped payment plans, custom and flexible terms, and seasonal schedules.

Lastly, there is much less paperwork with equipment leasing. Typically, a business only needs to fill out a short application to get the process started. Most companies that lease equipment directly review and approve applications, so there is no need to sit and wait by the phone for a credit approval company to give the thumbs up. Equipment leasing companies do not have to follow the same regulations required of banks. That means businesses will most often receive competitive rates that will not bust their budget.

Any company requiring the purchase of expensive equipment should consider the benefits and cost effectiveness of equipment leasing.

The Advantages Of Financing Used Equipment

Another option for businesses interested in equipment leasing is used equipment financing. Businesses who cannot function without necessary specialty equipment, but who have a problem financing due to limited cash flow, should consider financing solutions. Used equipment financing offers businesses a way to purchase the high quality equipment needed on a budget.

Used equipment financing is provided for businesses in a large list of industries, including seasonal, recreational, transportation, restaurant, landscaping, office, computer, industrial, construction, and more. Through used equipment financing, businesses short on cash can still purchase the equipment needed but avoid the high cost of new equipment. New companies often have a hard time obtaining financing simply because they are a new company. By purchasing used equipment through a financing company, a business can still startup with quality equipment while avoiding the debt often brought on by purchasing new equipment.

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