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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Managing a Valuable Asset


People often take their own personal credit profile for granted until the moment they need to rely on it. Your credit history tells the story to lenders, employers, retailers, partners, and landlords of your own credit “worthiness” and could determine whether or not you get the financing or opportunities you need to better your life. Low credit scores and a derogatory payment history can result in loan declines, higher interest charges on credit cards, missed employment opportunities or other applications being declined. It’s important to maintain a healthy credit profile so you’re not left out in the cold during critical moments. Our network of lenders has very specific qualification guidelines that all applicants must meet. The reward to meeting those qualifications is an approval to a potentially substantial about of funding that could change ultimately change the course of your life for the better.

If clients don’t immediately qualify, here are some credit building strategies I’ve offered to help them qualify at a later date:

  1. Check your credit profile online at least once a month to make sure there isn’t any fraudulent activity or other surprises that could adversely affect your credit score. A client recently found out that her husband had taken out thousands of dollars in credit cards for her under her name which dropped her credit score considerably.
  2. Boost your credit score an average of 12 points simply by using the free Experian boost function. Log into Experian.com and follow the simple steps to track the payments of your utility bills.
  3. Don’t allow companies to do a hard credit inquiry on your credit profile. This could bring your score down.
  4. Keep your credit card utilization below 50% on each credit card or at least pay down balances as quickly as possible to get below 50%.
  5. Pay your bills on time — even it’s to make minimum payments. Late payments or delinquents will negatively impact your credit.
  6. It’d healthy and recommended to have at least 3 open and active trade lines— credit cards, retail cards, etc. You actually become more of a credit risk if lenders can’t see any activity on your. credit profile.
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