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Progressive Capital Group presents

Progressive Capital Group presents. Business Financing and How It Really Works. Do You Need Capital For Your Business?. A business needs capital to: Sustain Itself Allow it to grow Are you interested in growing?. Progressive Capital Group Can Help!. Unlimited access to Capital!

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Progressive Capital Group presents

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  1. Progressive Capital Grouppresents Business Financing and How It Really Works

  2. Do You Need Capital For Your Business? A business needs capital to: • Sustain Itself • Allow it to grow • Are you interested in growing?

  3. Progressive Capital GroupCan Help! • Unlimited access to Capital! • We may be able to help your business!

  4. A Few Questions… • What do you do? • Who does your client list consist of? • Are you involved in B2B transactions? Progressive Capital Group Is In That Business Arena!

  5. We Play “Matchmaker”How do we do it? I am aProfessionalBusinessConsultant: A Professional Business Consultant is a trained professional who guides business owners in both short and long term business growth. He/She is able to speak with business owners on a level that will help them operate their business more effectively and efficiently. He/She is knowledgeable and resourceful individual who keeps abreast of industry trends and developments for the benefit of their clients, and is able to provide business owners with the necessary funding to help operate that business.

  6. As a Professional Business Consultant • Give you the right information to help your business grow • Provide the capital your business needs for capital growth

  7. I Do That On What’s Called: • Asset-Based Lending • Collateral-Based Lending Do You Know What They Are?

  8. Asset-Based Lending A form of collateral-based lending using the following to help put the Funding Source and you together. We can work with: • Cash • Marketable Securities • Real Estate • Inventory • Equipment • Accounts Receivables Do You have any of these things?

  9. Great! What assets do you have that are not encumbered (no leins) that you would like me to work with?

  10. It’s Very Simple! In order to move forward I need the following: Application Client List Aged A/R Report

  11. NO FEES! • It’s important for you to know that my company accepts no up-front fees for applications • I will get you an answer based on the information you provide at no charge to you!

  12. Point of Interest Have You Ever Heard of a Self-Liquidating Trade Credit? The Self-Liquidating Trade Credit is the one most common thing that prevents a business from growing as quickly as it should/could.

  13. What is a Self-Liquidating Trade Credit? A B2B transaction term; A customer obtains goods or products from a business owner on credit, and sells the goods or products prior to paying the business owner. The goods pay for themselves with NO capital outlay.

  14. Just a Thought… • Under the premise of Self-Liquidating Trade Credits, you, the business owner, are acting as a bank • In Theory AND in Practicality, you are financing all of your clients!

  15. Is This You? • Are you selling product or services on terms or credit? • Are you waiting 30-45-60 days to be paid? • Are you waiting and waiting and waiting for your money? We can eliminate your Self-Liquidating Trade Credits!

  16. Ask Yourself… Would you rather use your money to grow your own business OR Use it to help everyone else grow their businesses?

  17. We Can Help! • My company has the ability to help you turn your assets into cash • Turning assets into cash is borrowing from your own balance sheet – Thus creating no debt! Have you ever borrowed any money without creating any debt?

  18. Is This Too Good To Be True? YES! It’s Too Good and It’s All True!

  19. Accounts Receivable Financing Factoring A/R Financing

  20. A Very Easy Process… Invoice advanced (80%) Customer pays invoice to bank lockbox Funding Source pays reserve less fee Invoice is DEAD! That’s It!

  21. A/R Financing • Works on a Per Diem Basis • For a business doing $500,000or more a month in business • Must fund ALL invoices – It’s an all-or-nothing deal

  22. __________ $400,000 in Jar

  23. Let’s Take A Look…

  24. How much does it cost? • $5,000-$20,000p/m – about 3.50% • $20,000-$50,000p/m – about 3.00-3.25% • $50,000-$150,000p/m – about 2.75-3.00% • $150,000-”Sky’s the limit” – about 2.75% or less

  25. Cost Breakdown An Average: 3% a Month OR 1% every 10 days i.e. – An invoice 45 days old, a 4.5% term will apply.

  26. Real Estate Financing • Property Value: $500,000 • Existing Mortgage: -$250,000 • Equity: $250,000 Can Finance up to 70% of Equity

  27. Notes • We can often offer you money now for a note you are collecting on! • Real Estate, Mortgage, Business, Insurance, Contracts and more!

  28. Most Don’t Realize It’s a known fact that the majority of note holders really never wanted the note in the first place, and once they realized the inherent risks involved decide to sell. The savvy note holders learn from their mistakes and get out from under a poorly structured note or one with potential problems before it’s too late.

  29. Questions • Do you understand the risks involved in holding a note? • Would you be affected if there were a breach in payments? • Do you have any debt that you are paying interest on? • Is the interest on that debt higher than the interest you are collecting on your note? • How many more payments are due to you, and will you need some cash before the end of the contract? • What are you doing with the monthly income from your note? Are you squandering the money or do you have the discipline to invest this money into other cash flows, savings, vacation, etc?

  30. Why You Should Sell • Avoid late payments • Insurance liabilities • Tax problems • Forclosures • No out-of-pocket expenses! GET THE CASH NOW!

  31. Instead, You Could Be… • Paying off high interest debts • Investing in a business, R.E. or stocks • Pay off tuition • Buy a new car or boat • Settle an estate • Provide for relatives Progressive Capital gets you the best offer and sells it according to your individual needs!

  32. Inventory Financing • Very Discretionary • Usually Does Not Stand by Itself • Part of Larger Package

  33. Equipment Leasing Ways of Acquiring Equipment: • Writing a check • Bank Loan • Equipment Lease!

  34. 2 Very Important Criteria’s about Equipment Leasing • Cash Flow Product • Credit Based Product

  35. What is “Off-Balance Sheet Financing” & How Does It Relate to Equipment Leasing?

  36. Off-Balance Sheet Financing • Financing “off the balance sheet” • The acquisition and ultimate creation of an asset without creating any debt • OBSF is a tax deductible expense • You receive your commission money, NOW!

  37. Off-Balance Sheet Financing: A form of financing in which large capital expenditures are kept off of a company’s balance sheet through various classification methods. Companies will often use Off Balance sheet to keep their debt-to-equity (D/E) and leverage ratios low, especially if the inclusion of a large expenditure would break negative debt covenants. Contrast to loans, there is no debt to equity in an Equipment Lease. Examples of Off-Balance Sheet Financing include joint ventures, research and development partnerships and operating leases (rather than purchases of capital equipment). Equipment Leases are one of the most common forms of Off-Balance Sheet Financing. In these cases, the asset itself is kept on the Lessor’s balance sheet, and the Lessee reports only the required rental expense for use of the asset on the income statement.

  38. Facts About a Lease • 24, 36, 48, 60, 72, 84, 96, 108, 120 month lease depending on client/equipment • Secured/Unsecured • Almost all equipment can be leased unless hazardous (Firecrackers, Nail Machine, etc.)

  39. How A Lease Works • PUT assigned to end of term • Fees up front include • First and Last Payment • Processing Fees ($200) So what’s a “PUT?”

  40. PUT • A sum amount essentially assigned by a lessor which when paid at the end of a lease term will transfer ownership from the lessor to the lessee A PUT can be: • 10-15-20% of original lease amount • Fair Market Value • Actual Market Value OR

  41. $1.00!

  42. Is An Equipment Lease A Liability On Your Balance Sheet? No. • An equipment lease is an expense through the entire term of the lease = 100% tax deductable. • When/If the last payment (PUT) is made, It becomes an asset on the balance sheet. WOW!

  43. Can You Imagine? • Having all your money on a C.O.D. basis • Not being a “mailbox watcher” • Having enough Cash in your business checking account to pay your bills Does this type of financing appeal to you?

  44. Great! All We Need To Do Is: • Review your Financial Statement • Fill out the necessary documents • Get you an approval right away!!!

  45. I don’t want to take away too much of your time as I know there are other things you would like to be doing….

  46. Progressive Capital GroupThanks You For Your Time! Contact Ranee Davis Starks at: Progressive Capital Group 2221 Peachtree Road Suite D-481 Atlanta, GA 30309 (800) 618-5411 toll free (404) 759-2581 fax (678) 234-0005 mobile ranee@progressivecapitalgroup.com www.progressivecapitalgroup.com

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