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Luckiest,
I do have a business plan but do not have a marketing plan. In my industry, you don't really need a marketing plan. Virtually nobody advertises. If you have not read my bio, the industry I am in is insurance restoration; better known to the average person as "storm chasing." Hurricanes and hailstorms are my bread and butter. My company specializes in identifying storm related damage that is covered by homeowners insurance policies, advocating & negotiating on my clients behalf to ensure all storm related damage is notated and properly paid for by the clients insurance company. Then, we put the job into production and restore the clients home to pre-storm condition. My company currently handles the following trades: roofing, siding, gutters, and fencing on the exterior and drywall, texture, paint, carpentry (rough & finish), and flooring on the interior. My target group of consumers are very easily identified needless to say. Before opening my own company, I personally helped several companies get up and running. One company in particular has only been in business 2 1/2 years and they did $54 million in business last year. That is how quickly you can expand in this industry. That company did have financing to get to that point and I know with the right financing I could easily accomplish the same feat. If you or anyone you know can help it would be greatly appreciated. If you are interested in more detail please feel free to call me at: 240-520-4675 to discuss further. Thank you for your time and consideration.

Sincerely,

Jerry McElroy
President
Saltwater Enterprises Company

Hi Saltwater,

I personally come from the insurance restoration business (in California), so I the risks and rewards associated with your line of work. It sounds like you're lined up as a sub contractor for other general contractors who sign the deals with the home owners, is that correct?

If so, and considering your poor credit history, you should seriously consider factoring your invoices. Factoring is the sale of your invoices (early) at a discount. So, for example, if you have an invoice for $10K outstanding to your general contractor, and you're made to wait the typical 30-60 days to get paid, you can instead get paid today for that invoice. The factoring company who pays you (up front) for that invoice will then do the waiting for you to get paid. Working with the right factoring company will also afford you the time to build up your business credit. Once you are bankable, your factoring company should walk you down to their favorite bank - to give you a great referral.

Feel free to contact me for further details (especially since I also hail from the same industry).

Regards,
Steve Ontiveros
Resource Business Partners, Inc.
wefactor.com