Home: Message List - Need investors or loan

Re: Need investors or loan

WarrenD — Tue, 05 Aug 2008 00:01:09 GMT

Hello, did you have any luck with Sweetex Loan? In the same position looking for a loan, wonder if I should waste my time. Any info appreciated THANKS Warren

Re: Need investors or loan

JVCruz — Sat, 02 Aug 2008 14:31:51 GMT

I may not be well versed in the financial area; however, I did take a look at your site. Here's how I see it:

The main page seems too cluttered. Although colors are creative, it can also be an eye-sore. I would stick to 1 or up to 2 colors. Green and Yellow tends to hurt the eyes. The Header graphic with the Red and Dark Grey (on the Karaoke & Event Rentals pages) makes it difficult to the eyes. I would use white or yellow for the font color of the header as you used in the Home page. You may want to use a CSS or use frames on your site. The changes from page to page is dizzying (?).

On your pricing and packaging page, the large font size, different font colors and purple background is a bit of a turn-off. I would suggest to keep it simple, yet elegant. I would use smaller fonts and eliminate the background color -- keep it either white or black (like black tie affair). I would also put your packages listed side-by-side (like a comparison chart) in a table. All pages should fit a standard color, font size and background.

These are just some of the things I've noticed. Good luck in finding the funding you need.

Re: Need investors or loan see my licensed contractor needs

santagata4u — Sun, 10 Feb 2008 04:12:43 GMT

Hello fine sir could u give my forum subject a response when u have a moment I would greatly apreciate your wisdom thank u John T. Santagata III

Re: Need investors or loan

FCPainter — Fri, 08 Feb 2008 16:19:07 GMT

I would just add this. When we started out our housepainting company, we got so frustrated that we could not get a loan. However, it turned into a good thing in the long run. For one, it forced us to get very clear on our plan and then we were able to get some very small loans from friends and family. The bigger thing was that a SCORE counselor worked with us to show us how we could do a lot more financing via customers, employees and vendors. A few examples,

1. We get 20-50% down payments on all work right away from customers. We jazz it up so that they can schedule the way they like or we guarantee the job will be done in a set number of days if they lock in. So, during our busiest season, we are often borrowing $10K to $20K from our customers since we can get them to pay a deposit anywhere from 20 weeks to 2 weeks in advance.

2. We get vendors to provide us with materials on very extended terms by offering weekly progress payments.

3. Our employees effectively lend to us because we pay them lower hourly wages and then have a bigger bonus pool that they earn up over the course of each quarter.

You'd be amazed at the way you can manage yoru cash flow by a) having a better story to convince the people you know that you are worth investing in or lending to and b) using your employees, customers and vendors to effectively lend to you. As a mentor once said - the banks figure that if you can't convince the 3 wealthiest people in your life to lend you some money, why should they. Report as inappropriate

Re: Need investors or loan

FCPainter — Fri, 08 Feb 2008 16:18:31 GMT

Re: Need investors or loan

SJCarpentry — Thu, 07 Feb 2008 03:06:46 GMT

Had a suggestion that worked for us. Have you tried getting supplier financing. Our carpentry business struggled with cash flow as we added more employees, built out our advertising, bought equipment etc. We were surprised to find that both our lumber yard and equipment supplier were willing to provide us with some financing beyond typical invoicing terms. You may want to go to your top suppliers and see if they can work with you to help you borrow through times when you have planned to have cash flow dip.

Re: Need investors or loan

djmandan2001 — Wed, 06 Feb 2008 19:38:18 GMT

thanks for the response Maggie, i have not replied to them. have youhad any luck getting a loan thru them ? reply with what you have found out. thanks again djmandan

Re: Need investors or loan

MaggieMagee — Wed, 06 Feb 2008 17:56:23 GMT

Have you talked to Sweetex Loan. I noticed they posted on your question. I have been talking with them and
just curious if anyone has been funded by them.

Re: Need investors or loan

markbenson — Sat, 05 Jan 2008 15:42:31 GMT

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Re: Need investors or loan

Evolution1 — Wed, 16 Jan 2008 17:15:50 GMT

I am trying to develop a renewable energy source that will remove our dependence on oil. I have plans and designs i just need funding to get this project going. help save the world your children and grandchildren are depending on you.