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    <title>Home: Message List - Any Direct Lenders Here?</title>
    <link>http://smallbusinessonlinecommunity.bankofamerica.com/community/forum/loansandlinesofcredit?view=discussions</link>
    <description>Most recent forum messages</description>
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    <pubDate>Fri, 23 Jan 2009 10:03:53 GMT</pubDate>
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    <dc:date>2009-01-23T10:03:53Z</dc:date>
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    <item>
      <title>Re: Any Direct Lenders Here?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=57488&amp;amp;tstart=0#57488</link>
      <description>hello im stephan shafer just browsing the blogg in need of help with start up loan. its for a family fun center it will be the only one of its kind in my city with a population of over 100,000. its including 18 hole course of black light mini golf, arcade, balladium which is a black light foam cannon arena and a laser maze, small deli/snack bar and arcade. free play area for children under 12. i have excellent credit at the age of 23 i havnt been building credit no more than a few years now. is that a proble? my score is well above the 700 range. im working on my business plan as of now i have two property leasing possibilities and i just sent floor plans to my family fun center designer to plott out and price. im working on this project with my mother who is a self employed licensed cpa and her husband who also has his own business. we are looking to act fast before the real estate properties lease to someone else.im looking for help in the direction of a small business loan of some sort of loan in the 300,000 to 500,000 range or any information is verry help full.   thanks for your time    stephanshafer360@yahoo.com</description>
      <pubDate>Fri, 23 Jan 2009 06:16:22 GMT</pubDate>
      <author>stephan360</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=57488&amp;amp;tstart=0#57488</guid>
      <dc:date>2009-01-23T06:16:22Z</dc:date>
      <clearspace:dateToText>Jan 23, 2009 5:03 AM</clearspace:dateToText>
    </item>
    <item>
      <title>Re: Any Direct Lenders Here?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=57048&amp;amp;tstart=0#57048</link>
      <description>I dont think there is a direct lenders which could help you but i can suggest you something like the one in the link but dont know how far could it help you.&lt;br /&gt;
----&lt;br /&gt;
sathyan&lt;br /&gt;
&lt;br /&gt;
&amp;lt;a href="&lt;a target="_blank" href="http://smallbusinessonlinecommunity.bankofamerica.com/interstitial-page.jspa?businessUrl=http%3A%2F%2Fwww.talkinghomeloans.com&amp;referrerUrl=http%3A%2F%2Fsmallbusinessonlinecommunity.bankofamerica.com"&gt;http://www.talkinghomeloans.com&lt;/a&gt;" rel="dofollow"&amp;gt;Home Loans&amp;lt;/a&amp;gt;</description>
      <pubDate>Tue, 20 Jan 2009 13:11:57 GMT</pubDate>
      <author>sathyan</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=57048&amp;amp;tstart=0#57048</guid>
      <dc:date>2009-01-20T13:11:57Z</dc:date>
      <clearspace:dateToText>Jan 20, 2009 8:11 AM</clearspace:dateToText>
    </item>
    <item>
      <title>Re: Any Direct Lenders Here?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=43583&amp;amp;tstart=0#43583</link>
      <description>Be careful! The advance may be interest free but that is because it is not a real loan. You are selling your future credit receivables at a discount. Typically it could cost you 1.35 for every 1.0 dollar borrowed. Know your options before you enter into a finance agreement. There are many options availble to current businesses. Go to &lt;a target="_blank" href="http://smallbusinessonlinecommunity.bankofamerica.com/interstitial-page.jspa?businessUrl=http%3A%2F%2Fwww.spotlightfinancial.biz&amp;referrerUrl=http%3A%2F%2Fsmallbusinessonlinecommunity.bankofamerica.com"&gt;http://www.spotlightfinancial.biz&lt;/a&gt; to see real solutions to financing your existing business.</description>
      <pubDate>Sat, 18 Oct 2008 19:16:00 GMT</pubDate>
      <author>Mark SLF</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=43583&amp;amp;tstart=0#43583</guid>
      <dc:date>2008-10-18T19:16:00Z</dc:date>
      <clearspace:dateToText>Oct 20, 2008 9:36 AM</clearspace:dateToText>
    </item>
    <item>
      <title>Re: Any Direct Lenders Here?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=43087&amp;amp;tstart=0#43087</link>
      <description>Paula,&lt;br /&gt;
&lt;br /&gt;
I was misled and given wrong info.  I apologize and have fixed the very small problem.&lt;br /&gt;
&lt;br /&gt;
Cody</description>
      <pubDate>Wed, 15 Oct 2008 06:04:43 GMT</pubDate>
      <author>affiliatesun</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=43087&amp;amp;tstart=0#43087</guid>
      <dc:date>2008-10-15T06:04:43Z</dc:date>
      <clearspace:dateToText>Oct 15, 2008 2:04 AM</clearspace:dateToText>
      <clearspace:replyCount>1</clearspace:replyCount>
    </item>
    <item>
      <title>Re: Any Direct Lenders Here?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=43074&amp;amp;tstart=0#43074</link>
      <description>Thanks to all the people who have  contacted me. I have made at least one great contact that I am excited about. &lt;br /&gt;
&lt;br /&gt;
Cody, I am not looking for merchant advance. The companies I am seeking financing on are not selling to consumers. I don't think a Mexican state is going to pay a $13MM order with a credit card. Also, may I suggest you learn more about the product you are selling... and see that is makes financial sense to YOU before making  claims to others. &lt;br /&gt;
&lt;br /&gt;
Luckiest and Growthcurve, two days ago I wrote out the answers to your questions, however apparently there was something in my post that was unacceptable as it was never posted. Hmmm.&lt;br /&gt;
&lt;br /&gt;
Anyway, I have found at least one direct lender that may be a great match for these and other deals I have, so, mission accomplished. Although I would like to find more direct lenders. Looks like I have may help finance the filling of a large mix-use building with franchised businesses.&lt;br /&gt;
&lt;br /&gt;
Growthcurve, thanks to you for your diligence in seeing that good and true info is disseminated. &lt;br /&gt;
&lt;br /&gt;
Paula Serber&lt;br /&gt;
619-793-5559&lt;br /&gt;
franlender@sbcglobal.net&lt;br /&gt;</description>
      <pubDate>Wed, 15 Oct 2008 05:03:08 GMT</pubDate>
      <author>PiperE</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=43074&amp;amp;tstart=0#43074</guid>
      <dc:date>2008-10-15T05:03:08Z</dc:date>
      <clearspace:dateToText>Oct 15, 2008 1:03 AM</clearspace:dateToText>
      <clearspace:replyCount>2</clearspace:replyCount>
    </item>
    <item>
      <title>Re: Any Direct Lenders Here?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=43078&amp;amp;tstart=0#43078</link>
      <description>Cody,&lt;br /&gt;
&lt;br /&gt;
I am glad that you took my feedback in the spirit intended.&lt;br /&gt;
&lt;br /&gt;
&lt;ul class="jive-dash"&gt;
&lt;li&gt;Paul&lt;/li&gt;
&lt;/ul&gt;</description>
      <pubDate>Wed, 15 Oct 2008 02:59:43 GMT</pubDate>
      <author>GrowthCurve</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=43078&amp;amp;tstart=0#43078</guid>
      <dc:date>2008-10-15T02:59:43Z</dc:date>
      <clearspace:dateToText>Oct 14, 2008 10:59 PM</clearspace:dateToText>
      <clearspace:replyCount>3</clearspace:replyCount>
    </item>
    <item>
      <title>Re: Any Direct Lenders Here?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=43077&amp;amp;tstart=0#43077</link>
      <description>Can a moderator please delete that post I made about Advanced Merchant Capital?  &lt;br /&gt;
&lt;br /&gt;
I dont want people getting misleading information.&lt;br /&gt;
&lt;p /&gt;
&lt;br /&gt;
Growthcurve,&lt;br /&gt;
&lt;br /&gt;
I appreciate your awareness and have fixed my report to give to businesses.  &lt;br /&gt;
&lt;br /&gt;
Thanks!&lt;br /&gt;
&lt;br /&gt;
Cody&lt;br /&gt;
absolutegreatness@gmail.com</description>
      <pubDate>Wed, 15 Oct 2008 02:55:00 GMT</pubDate>
      <author>affiliatesun</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=43077&amp;amp;tstart=0#43077</guid>
      <dc:date>2008-10-15T02:55:00Z</dc:date>
      <clearspace:dateToText>Oct 14, 2008 10:55 PM</clearspace:dateToText>
      <clearspace:replyCount>4</clearspace:replyCount>
    </item>
    <item>
      <title>Re: Any Direct Lenders Here?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=43024&amp;amp;tstart=0#43024</link>
      <description>GrowthCurve,&lt;br /&gt;
&lt;br /&gt;
I will check with my advisor and clarify.  This is what I was being led to tell businesses.&lt;br /&gt;
&lt;br /&gt;
Sorry for any misleading information!  Definitely not intentional!&lt;br /&gt;
&lt;br /&gt;
Cody&lt;br /&gt;
absolutegreatness@gmail.com</description>
      <pubDate>Tue, 14 Oct 2008 19:22:51 GMT</pubDate>
      <author>affiliatesun</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=43024&amp;amp;tstart=0#43024</guid>
      <dc:date>2008-10-14T19:22:51Z</dc:date>
      <clearspace:dateToText>Oct 14, 2008 3:22 PM</clearspace:dateToText>
      <clearspace:replyCount>5</clearspace:replyCount>
    </item>
    <item>
      <title>Re: Any Direct Lenders Here?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=43023&amp;amp;tstart=0#43023</link>
      <description>&lt;br /&gt;
Cody, with all due respect, this is not possible.&lt;br /&gt;
&lt;br /&gt;
Merchant advances cost money, as well they should. There is no free lunch.&lt;br /&gt;
&lt;br /&gt;
If a merchant borrows $10,000, you can be assured they are going to repay, when all is said and done, more than $10,000. Period.&lt;br /&gt;
&lt;br /&gt;
I spoke with someone at Advanced Merchant Capital (not another affiliate--someone at the company), and he confirmed this.&lt;br /&gt;
&lt;p /&gt;
&lt;br /&gt;
Please check your facts. I do not think your intention is to mislead anyone. Perhaps you are the one being misled, though.</description>
      <pubDate>Tue, 14 Oct 2008 19:08:15 GMT</pubDate>
      <author>GrowthCurve</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=43023&amp;amp;tstart=0#43023</guid>
      <dc:date>2008-10-14T19:08:15Z</dc:date>
      <clearspace:dateToText>Oct 14, 2008 3:08 PM</clearspace:dateToText>
      <clearspace:replyCount>6</clearspace:replyCount>
    </item>
    <item>
      <title>Re: Any Direct Lenders Here?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=43019&amp;amp;tstart=0#43019</link>
      <description>Paul,&lt;br /&gt;
&lt;br /&gt;
Let me explain in detail.  I have tried to do a topic, but the moderators do not post it.&lt;br /&gt;
&lt;br /&gt;
I work for a cash advance service from Visa/Mastercard called Advanced Merchant Capital.  To sum up our service, we give interest free cash advances to businesses in need of money.  Our service is very easy to get accepted, and can provide up to 300% of a businesses average monthly sales to advance a business however they choose - Stay alive, Upgrading, advertising, expanding, etc.  &lt;br /&gt;
&lt;br /&gt;
I am an agent, and my job is to find businesses in need of this kind of great service.  Once I find a business and the business contacts me back, I give them a full detailed report, and if they are interested have them call Advanced Merchant Capital and talk to a representative to see if they can get their desired cash advance.  &lt;br /&gt;
&lt;br /&gt;
The repayment plan is very simple.  What you take out is what you pay back, NO INTEREST.  Business pay back 3-5% of their monthly earnings to us and have UNLIMITED time to pay it off.  All they do is pay back 3-5% of their monthly earnings until it is fully paid off.  Most businesses pay back within a year, but there is not time limit like I mentioned.  &lt;br /&gt;
&lt;br /&gt;
Another great thing about Advanced Merchant Capital is that once you have your advance paid off, you can get a new one.  Basically, you can keep getting cash advances once your prior one is paid off.&lt;br /&gt;
&lt;br /&gt;
This is a Visa/Mastercard service so a qualifying business must accept credit cards.  &lt;br /&gt;
&lt;br /&gt;
A business only has to be running 4 months before qualifying for the cash advance, so alot of new businesses are eligible.&lt;br /&gt;
&lt;br /&gt;
Hope this answers your questions.  &lt;br /&gt;
&lt;br /&gt;
Cody Groth&lt;br /&gt;
Advanced Merchant Capital&lt;br /&gt;
absolutegreatness@gmai.com&lt;br /&gt;
509-499-9424</description>
      <pubDate>Tue, 14 Oct 2008 18:29:47 GMT</pubDate>
      <author>affiliatesun</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=43019&amp;amp;tstart=0#43019</guid>
      <dc:date>2008-10-14T18:29:47Z</dc:date>
      <clearspace:dateToText>Oct 14, 2008 2:29 PM</clearspace:dateToText>
      <clearspace:replyCount>7</clearspace:replyCount>
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