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SBA Loans

Interest Rates - 5.50% to 7.75%* | Repayment Type - 10 to 25 years | Loan Amount - $30,000 to $5million

Small Business Loan


    Low-cost SBA Working Capital loans

  • Loan Amount $30,000 - $350,000
  • Interest Rates 6.75% - 7.75%
  • Repayment Term 10 years

Why take out a working capital loan

  • Purchase equipment
  • Increase Inventory
  • Add marketing programs
  • Operating expenses
  • Hire Additional Staff
  • Refinance high-interest debt
  • Reduced monthly payments

How it works

  • Pre-qualify Without Impacting your Credit
  • Provide Financial Information and a simple Business Plan
  • Provide requested documents, business cash flow will be reviewed
  • A Relationship Manager will assist you along the process
  • Loans get funded in 7 days after your application is complete

Line of Credit


Line of Credit

  • As low as $10,000 monthly revenue
  • No collateral needed
  • Credit Score as low as 550

Benefits

  • Lowest Annual Percentage rate
  • Flexible revolving Lines, only pay interest on what you draw
  • Fund purchases when you can’t use your credit card

Best Suited for

  • Restaurants
  • Software
  • Food Services
  • Janitorial Services

Flex Pay Loan


Flex Pay Loan

  • As low as $10,000 monthly revenue
  • No collateral needed
  • Credit Score as low as 550

Benefits

  • Lowest Rate of Interest
  • Low fixed weekly payments
  • Deferred payments

Best Suited for

  • Restaurants
  • Software
  • Food Services
  • Janitorial Services
  • Retailers

Bridge Loans


Bridge Loans

  • As low as $10,000 monthly revenue
  • No collateral needed
  • Credit Score as low as 550

Benefits

  • Up to $725,000 loan per entity
  • Access to working capital within days without traditional due diligence
  • Low annual interest percentage
  • No prepayment penalty
  • Better than acquiring an equity partner

Best Suited for

  • Waiting for a conventional financing
  • Making a large equipment purchase
  • Opening a new location
  • Trying to stabilize cash flow

Estate Planning


Many people believe they don't need estate planning because they think they don't have an estate. Or they think the value of their estate is not great enough to cause estate taxation, so what's the point?

With few exceptions, everyone has an estate -- even the young child with a custodial account in his name and the granddaughter who received a lovely piece of jewelry for her 16th birthday.

Bottom line: If you own something of value that you would pass on to someone else upon your death, you have an estate. Whether you know it or not, you also have an estate plan. The state has one for you free of charge (well, sort of) if you don't get around to writing a will or designing a plan of your own.

Broadly speaking, an estate plan encompasses the accumulation, conservation and distribution of an estate. A good plan will enhance and maintain the financial security of individuals and their families.

When you're developing a plan for your estate, it's important to understand your entire financial picture. That's where I`m come in. Working with your tax and legal advisors, I will help coordinate your investment strategies to help ensure that your plan reflects your wishes for your legacy.

Complete the form if you'd like to receive my three estate planning guides, which include information about the importance of having certain estate documents, maintaining beneficiary designations, and organizing your financial documents

Social Security


Social Security benefits are one of the most important parts of any retirement portfolio. A poor claiming decision can cost tens-of-thousands of dollars, while making the right decision can contribute significantly to one's financial security.

However, Social Security is a complex system. I provide the tools to help you make the best Social Security planning. My reports present not only the optimal strategy, they also provide comparisons to other strategies that may work better when your entire financial situation is taken into consideration. My reports also help you advise about little-known Social Security strategies such as "file and suspend" and the restricted application, "free spousal" strategy.

Your primary insurance amount, or PIA -- the benefit you would get at full retirement age -- determines the size of your monthly retirement check. According to the Social Security Administration's website, the PIA is based on the Average Indexed Monthly Earnings, or AIME, as applied to an inflation-adjusted formula. The PIA is then adjusted for whether you take retirement before or after your normal retirement age -- 66 for those now reaching retirement age, but gradually adjusted to age 67 for those born after 1960.

You can begin drawing reduced Social Security as early as 62. For every month you delay after reaching full retirement age, up to age 70, the monthly benefit increases.

According to a 2010 report of the Senate Special Committee on Aging, for someone with an AIME of $5,000 in 2010, the PIA would total $1,971.

In keeping with the original intent behind Social Security -- a way to lift seniors out of poverty -- lower-wage earners get a higher proportion of their earnings than higher-wage earners. The maximum monthly benefit that can be received in 2014 is $2,642 for a worker retiring at full retirement age.

Let’s Start Planning Your Financial Future Today


  • Talk

    Actually, I'll listen as you explain your needs, dreams, and fears. Then I'll design a personalized plan that explains how we can help you reach your financial goals.

  • Act

    We work together to implement the plan. Then I keep you updated on where you stand and adapt the plan as life happens.

  • Relax

    I`m here for you whenever you need. Call me at any time, for any reason. Buying a new car? Ask my advice. I can always help you.