The Money Hasn’t Left the Planet — We’re Still Lending!


When news of the COVID pandemic started hitting home, we witnessed drops in the stock market, investment deals halted, and people putting a hold on their spending.

In spite of what you’ve seen or heard about this right now, the truth is the money hasn’t left the planet! In fact, there’s currently $1.5 trillion in circulation in the US at this very moment.

Some lenders and investors have been affected by market drops but others are flourishing.
Our network of lenders has not stopped processing applications and we’re poised to fill the gaps where other lenders have pulled back:

  1. We provide up to 80% more available cash compared to personal loans approved by banks.
  2. Many loans offered for real estate financing have dropped from 80% LTV (loan to value) down as low as 60% LTV. Our network makes up this gap in financing needed to secure a real estate deal.
  3. Companies are trying to pivot during this time to make sure they are able to stay in business which leaves employees left wondering about their future. While still employed, this is a good time to secure financing to acquire a cash-flowing side business or start a new one.
  4. There are new opportunities emerging as a result of this crisis. We have increased lending to those seeking to invest in new training and development for themselves to ensure they stay ahead of the curve financially and to be able to take advantage of new career prospects.
  5. People are now remaking their existing home environments to accommodate new work-from-home arrangements, create rental income opportunities or to make space for additional family members moving in.

NOW is the best time to reassess and take advantage of new and emerging opportunities.

Through our network of lenders, there are plenty of resources available for real estate investing, acquiring or starting new businesses, investing in education to take advantage of new career opportunities and to increase the value of existing assets.

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How To Manage Debt Financing To Create Financial Success

There’s a stigma about debt in this society in that many people automatically assume all debt is bad debt. This isn’t true and here’s why. Any debt that you incur is a debt that must be paid back. If the COST of the money outweighs the benefit of incurring debt or if there is not a clear path to pay off the debt then it may be construed as bad debt and you would want to find an exit as quickly as possible.

Debt can be considered “good” if it’s being used to build an asset that has clear value, invest in real estate that is appreciating, create new cashflow, or offer a valuable opportunity you might not have had access to.

So when considering applying for a personal or business loan to be able to use debt financing to improve your life circumstances, take the following into consideration:

  1. Do you, or will you, have the ability to pay back the loan in the time allotted? This could be payments made from your existing salary or the new income you will be creating.
  2. Will having access to the financing improve the quality of your life from where it is now? This could include new career skills training or even a needed medical procedure.
  3. If you’re starting, growing or buying a business with the loan will you have the ability to produce income that is greater than the cost of the loan itself? Ideally, you want to invest in revenue generating activities in your new enterprise. This could include sales, marketing, and operating capital.
  4. Will you be able to freely pay back the loan without incurring any prepayment penalties? There are no pre-payment penalties with our loans and monthly payments include simple interest and principle.
  5. Will using debt financing actually help you SAVE money if you’re using it to consolidate other debts?
  6. Will you be able to acquire an asset—such as real estate– that will build value for the duration of the loan? During the time of the loan, you ideally want to be able to fix and flip at a profit or produce monthly rental income.

During our pre-approval call, we can help you assess how much money you will need to successfully create your desired outcome with our unsecured, no collateral loans that offer you the ability to improve your existing circumstances and ultimately create financial freedom in YOUR life.

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