AMERICAN GENERAL Financial Services

Personal Loans through American General Financial Services

We can help make your dreams a reality. Loans for any purpose: vacation, home improvements, major purchases, education and debt consolidation. A variety of payment plans to fit your budget.

* Easy to apply online or through your local office
* No application fee
* Any size loan to meet your needs
* Fast response - usually in one hour or less
* Secured or unsecured loans
* Local lender with a nationwide presence

Retail Financing through American General Financial Services

Let American General Help You Make The Sale

American General Financial Services is a leading provider of revolving and installment financing, helping thousands of retailers make the sale for more than 85 years.

Choose from a variety of financing payment plans designed to help you make your product or service affordable and competitive. The results: more business, higher revenues, and increased customer satisfaction and loyalty.

Why American General Financial Services?

* Financial Stability - American General Financial Services has over $25 billion in assets with over 1,500 consumer finance branches in the United States, Puerto Rico, and the US Virgin Islands. Our parent company, American International Group (AIG) is the world's leading international insurance and financial services organization.
* Reliable - More than 17,000 merchants currently count on us for rapid approvals and quick funding.
* Dedicated to Service - We have more than 9,000 professionals committed to customer and merchant satisfaction through centralized and local service, support, and training.
* Capable - Designated Retail Account Managers and over 1,500 branch offices are located strategically across the United States. Together with central service and support departments, we provide a team oriented approach to financing.

Financing allows the customer to get what they want or need when they want it without reducing their savings account or increasing their credit card debt or other lines of credit.

American Dream Revolving Credit Retail Financing -- American General Financial Services

Revolving Credit is the Solution for Merchants Who Need Add-on Purchase Power for Repeat Customers

Across the country, thousands of merchants take advantage of the American Dream revolving finance program from American General Financial Services. American Dream financing plans are geared to what today's customers want - fast, easy ways to pay for merchandise that dreams are made of. It gives local merchants the promotional payment options they need to compete with other companies offering similar products or services.

Program Features:

Application Processing and Funding

* Simple and fast application processing
* Immediate access to accounts for authorization via our automated Authorization System
* Quick funding (often same day)
* Revolving accounts for add-on purchasing power

Technology

* Verifone Processing Terminal
o Point of sale device which provides fast application data entry and credit decisions with simple funding at your store.
* System to System Capability
o GERS Retail Systems
o STORIS Management Systems
o Custom Interfaces
* Internet Application Processing System (IAPS)
o Allows your customers to apply from home via a link on your website.
* Voice Response Unit (VRU)
o Provides your staff with the ability to obtain an authorization on a customer's account via the telephone.
* Phone Bank
o Provides your sales force with the capability of submitting applications via the telephone from a customer's home.
* AGF Direct
o Internet based point of sale software that allows you, as a retailer, to submit applications, authorize accounts, access available credit, and process funding all from the convenience of your own PC.

Promotional Payment Options

AGFS offers many promotional payment options that you can use individually or in combination to drive business into your store, such as:

* Same as Cash Options
* Deferred Payments
* Equal Payments
* Reduced APRs

*Custom promotional payment options are also available using a combination of the promotional terms to help you gain a competitive advantage.

Effective Marketing Options

* Billing Statement messages
* Point of Sale materials
* Customized Credit Cards
* Acquisition mail programs

for more details.......

AMERICAN FINANCING

About Home Refinancing Loans

Most mortgage refinancing comes in the form of a second home loan. In order to determine if such a loan is appropriate in your particular case, you first need to decide whether you'll be saving more on interest than you'll be paying out in refinancing fees. As an added bonus, you may find that you can obtain additional cash while decreasing the amount you need to spend on your mortgage payments. Home refinance loans can be an attractive option because it allows you to use the equity in your house to your best advantage. It's important for you to understand how rates on home purchases are determined. The rate you pay is customarily based upon the prevailing interest rate, along with other considerations such as the amount of your down payment and your personal credit rating. Interest rates can fluctuate, based upon the decisions of the Federal Reserve Board. When you refinance, you trade a higher interest rate for a lower rate and decrease your monthly payment in the process.

With American Financing It is possible to reduce the length of your loan through refinancing. With a mortgage refinancing plan, you can change your term from a 30 year period to a 10 or 15-year period and in the process, you can save a substantial amount of interest. If you keep your same monthly payment amount but obtain a lower interest rate, you will be paying more on the principal of the loan each month, allowing you to enhance the equity in your home.

You can also use your home to obtain debt consolidation in the form of a home equity loan. This enables you to combine your high-interest loans to create a single loan with lower interest and a manageable down payment. Your property acts as security for the loan. Until you pay off the home equity loan, the lender will have a lien on your home. With such a loan, you can be protected from creditors and avoid the problem of having to declare bankruptcy.

Another important thing to keep in mind about home equity loans is that the interest on such a debt consolidation loan may be tax deductible. Check with your tax accountant to see if your interest can be fully deducted. You may be pleasantly surprised at the answer.

Contact one of Mortgage Specialist for free if you have further questions that we can help you with. (303) 695-7000

Home Purchase Financing

Discover the Simpler Way to Purchasing a Home with a Loan from American Financing.

The mortgage Consultants at American Financing have the best programs for purchasing a home. Whether you’re a first time buyer or a seasoned veteran, we have the ideal program for you and your family. Take advantage of our many options…

* $0 down payment programs
* No-cost, no-obligation consultations and closings
* Traveling mortgage Consultant —we'll come right to your door.
* 80% 1st mortgage 20% 2nd mortgage with no mortgage insurance.
* Salary-based mortgage Consultants and NOT 100% commissioned based loan officers

more details...........

AMERICANA MORTGAGE GROUP SAVES YOU TIME AND MONEY

AMERICANA MORTGAGE GROUP SAVES YOU TIME AND MONEY

We're first in jumbo mortgages, home equity loans and refinancing of residential real estate in New York, Long Island, Nassau, Suffolk, Queens, Connecticut, Florida, Delaware; and soon to be licensed in New Jersey!

Get a Mortgage Loan--Quickly and Simply. Office Visits Optional!

Our processing is so streamlined that all transactions can be done by mail, phone, fax, and email. No matter the method, your home loan will get the same priority and attention we give to clients who prefer to do business in-person--at either of our New York, LI mortgage offices in Manhasset, Southampton and Hauppauge. Your confidentiality is always ensured.

Americana Mortgage Group is also the fastest growing mortgage brokerage in the NY tri-state area--with over 90% of our loans coming from returning satisfied clients and their referrals. We pride ourselves on proven customer service and money saving techniques. Our reputation is your guarantee.

Improve your chances of getting the home loan and mortgage interest rates you want. Apply online right now. Or contact us today at 1-888-262-6685. Here's what to expect:

Best Mortgage Rates and Programs for Loans Large or Small,
Long or Short-Term. Extended Rate Locks. Free Rate Float Downs.
No Prepayment Penalties.

We offer a variety of residential loans -- conventional and jumbo mortgages -- and creative financing strategies--such as no income check loans, below market rate programs, no mortgage insurance options, biweekly programs, 100% financing for
no money down real estate purchases, no point mortgages, bridge loans, interest only mortgages.

Check out today's mortgage interest rates and use our mortgage calculator to see what you can afford. Americana Mortgage Group also arranges financing for:

* a new home purchase, co-op or condo loans
* first-time home buyers
* jumbo mortgages and refinancing for luxury homes and home equity loan dreams
* self-employed no income check loans
* a second home or investment property
* land and construction loans
* debt consolidation, and those with bad credit
* home equity loans for home improvements or financing a college education

Personal Mortgage Shoppers Do All the Research for You

Our mortgage loan officers are top notch. They're skilled in shopping the mortgage rates and terms of over 100 national banks and local lenders, to find the right loan program and mortgage lender fit for every client. With their expertise at work, you'll get qualified faster for an earlier loan approval.

Get a Mortgage Loan--Quickly and Simply. Office Visits Optional!

Our processing is so streamlined that all transactions can be done by mail, phone, fax, and email. No matter the method, your home loan will get the same priority and attention we give to clients who prefer to do business in-person--at either of our New York, LI mortgage offices in Manhasset and Southampton. Your confidentiality is always ensured.

Apply for a Home Loan Right Now

Take a few minutes to complete our secure Express Online Mortgage Application.
Try our mortgage payment calculator too! Email us, or apply over the phone at
516-627-0200 x10 to talk to an expert for a free no-risk consultation and to get
today's mortgage interest rates.

What To Expect When Applying For A Mortgage

During the interview, your loan officer will begin by going through some preliminary qualifications with you that will allow him or her to determine your loan needs. An application is taken and you will be asked to provide other supporting documentation (Purchase / Refinance or Credit Line / Home Equity Loan). This information includes such documents as: W2's, tax returns, current pay stubs, and bank statements.

There are initial costs to start the mortgage process. There is an application fee, a credit report charge, and a lender's property appraisal fee, determined by the value of the house.

The next phase is the processing of the loan. Your loan file will be examined to ensure that all information is complete and accurate. Verifications, appraisals, credit reports, and other necessary documents will be ordered. Once the file is complete, it is then underwritten.

Underwriting involves the evaluation of all documents that make up the file to determine if the loan should be approved or denied, based on the factual information presented. At this point, the application is either denied or approved. If approved, the loan package is signed, dated, and sent off for closing. Your loan officer will inform you of the decision and confirm it with a written loan commitment. If your loan is denied, you will be informed in writing.

The final stage is the closing. After your loan is approved, closing documents are prepared, assembled, signed, and recorded. Your mortgage is now created and the funds will be disbursed

The total time frame from the application to funding will vary -- with refinances usually processed faster than purchases. Typically, if the process goes smoothly, you will have your loan within 2-4 weeks.

APPLY FOR A HOME MORTGAGE LOAN RIGHT NOW!

Get started on getting your home mortgage loan today with these fast, convenient, confidential, and secure options.

As soon as we receive your information, one of our experienced loan officers will call you with the most updated mortgage interest rates and terms available in New York, Long Island and Connecticut. Plus they'll outline the mortgage programs for a new purchase or refinance that would best suit your financial qualifications. Apply with no risk or obligation.

Apply online
Choose from our two-minute Express Application or fill out the Complete Application if you're ready to apply or want a quick pre-approval.

Apply over the phone
Call us at 516-627-0200 x10 during normal business hours (8:30am-5:00pmEST) or request a loan officer contact you.

Apply by mail or fax
Download the mortgage application form now or request one be mailed to you. Once completed, include it with the necessary documentation for your purchase loan or refinance or credit line or home equity loan. Mail or fax all to Americana to begin the loan process.

Apply in person
If you're in the metro New York/Long Island area and would like to meet with us in person, please call for an appointment. We're located with offices in Nassau County in Manhasset, and Suffolk's East End in Southhampton. Should proximity or time be a factor, we can easily handle all transactions by phone, fax, mail, email, or messenger. We want to make getting a mortgage as convenient for you as possible. more details.......

AMERICAN PAYDAY LOANS

Welcome to American Payday Loans Cash Advance USA

Payday Advance:
When your last paycheck did not cover enough and your next paycheck will be too late, come to American Payday Loans or Cash Advance USA. We understand the anxiety and frustration that being short of cash can provoke. We are here to put money in your hands before your employer gets around to it.

Save yourself some stress; save yourself the awkwardness that comes from asking parents, relatives, or friends for money. We're here to keep you on your feet in those annoying in-between times.

To qualify you need:

• Local Checking Acct.



• Steady Job/Income Source



• Valid picture ID



• Home Phone #

Payday loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

• When you arrive, be sure to have... Your personal check



• Your last paystub or bank statement



• Your federal or state-issued ID

HOW DOES IT WORK

• Phone Applications Welcome - Express Service



• Less than 5 minutes at cash pick up.



• Lowest Rates - $10 less than most companies.



• Easy-Fast Application



• Less than 5 minutes

USAPRIMELOANS

Home Equity Loan with USA Prime Loans

Need a new roof? Kids starting college? Want to invest in retirement property?

You have good equity in your home and that's money you can use to your advantage.

A low-interest home equity loan can make special projects possible.

USA Prime Loans is a loan broker referral service. We put you in contact with brokers who understand home equity loans and know who has the most competitive rates. They will be able to tell you how much you can borrow. They will walk you through the process.

We believe that you should have a choice, and so we offer connections to brokers who want your business.

You get multiple bids on your pre-approved loan.

With our simple loan application
you quickly get the best home
equity loan for your budget.
Home Mortgage, Home Mortgage with USA Prime Loans Mortgage Refinance, Mortgage Refinancing with USA Prime Loans Home Loan, Home Loans with USA Prime Loans Home Equity Loan, Home Equity Loan with USA Prime Loans

* Alabama
* Alaska
* Arizona
* Arkansas
* California
* Colorado
* Connecticut
* Delaware
* Florida
* Georgia
* Hawaii
* Idaho
* Illinois



* Indiana
* Iowa
* Kansas
* Kentucky
* Louisiana
* Maine
* Maryland
* Massachusetts
* Michigan
* Minnesota
* Mississippi
* Missouri
* Montana



* Nebraska
* Nevada
* New Hampshire
* New Jersey
* New Mexico
* New York
* North Carolina
* North Dakota
* Ohio
* Oklahoma
* Oregon
* Pennsylvania
* Rhode Island



* South Carolina
* South Dakota
* Tennessee
* Texas
* Utah
* Vermont
* Virginia
* Washington
* Washington, DC
* West Virginia
* Wisconsin
* Wyoming


Because we customize your application to you and your needs, you apply for the right loan right away.


As soon as you submit the form, your application goes to our network of home equity brokers. You will get fast pre-approval for your loan with up to four quotes. You choose the quote that you like best. It's free and there is no obligation. It's shopping around in one stop. So go ahead, you dreams start here with a home equity loan your way.

more details....

AmericanLoans

Utah Mortgage - low rates, refinance, Utah Home Equity Loans, UT, Mortgage Interest Rates, American Loans, Today's Rates

Welcome to AmericanLoans Online

Why us ?

We have the lowest rates available!

*Over 132 programs to fit your needs

*For Purchases, Refinance, 2nd mortgages, Construction, Commercial, Foreclosures.

*Thousand's of satisfied customers, funded over $750 million in closed loans.

*In business for over 13 years and member of the Better Business Bureau

*Disclaimer: The rates listed on this page are based on national averages. Please contact us for specific programs and their associated APR.

Great Rates are Here!

Look no further for financing the purchase of your new home or refinancing your current home. We make it easy! Use our online application process to prequalify or fill out our full application to expedite the application process.

Loan Programs and Loan Options

In today's lending market there are many options to choose from. Sometimes the differences in these programs can be subtle but significant. We offer a variety of loan programs to fit your needs. This page provides an overview of many of the different programs on the market. Contact us to find out what programs are currently available, or for any other related questions.

* FHA MORTGAGES
* VA MORTGAGES
* JUMBO LOANS
* 80/15/5
* EMERGING MARKETS PROGRAM
* ZERO DOWN PROGRAMS



* HIGH DEBT RATIO LOANS
* 203K FHA MORTGAGE
* CONSTRUCTION LOANS
* FLEX 97 LOANS
* NO DOC/STATED INCOME
* INTEREST ONLY



* 2ND MORTGAGE LOANS
* A- THRU D PROGRAMS
* 125% 2ND MORTGAGE
* INVESTOR LOANS
* Click here to contact us for information on other less common programs.



80/15/5 - This is a loan which carries a second mortgage for up to 15% of the purchase price of the property. It is usually used when wishing to avoid PMI insurance or to keep your first mortgage under the FNMA/FHLMC limit to avoid Jumbo rates. The borrower puts down a 5% down payment and then finances a first mortgage up to the FNMA/FHLMC limit and a second mortgage of up to 15% of the purchase price. Other variations are 80/10/10 or 75/15/10.


FHA MORTGAGE – Backed by the Department of Housing and Urban Development this mortgage offers the borrower the ability to put as little a 3% down payment and they can even finance “allowable” closing costs. Seller can contribute up to 6% of the purchase price to the buyer towards closing costs.


203K FHA MORTGAGE – Same as FHA above but with the ability to finance home improvements that are needed. One mortgage is given based on the value plus improvements up to 115% of the future value. These improvements must be over $5000 and can be for a new kitchen, new bathroom, to add a garage or to structurally improve the property. They cannot be to add a swimming pool etc…


VA MORTGAGE – Backed by the Veterans Administration and the federal government it is similar to FHA except that you have to be a qualified Veteran or military person.


JUMBO LOANS - Offers 30 and 15 year fixed rate mortgage and competitive ARM products with full document, alternate documentation and limited documentation.
Cash out and No cash out refinance are allowable. Single family detached, Condo’s, PUD’s and single-family second homes can be financed with no prepayment penalty.


EMERGING MARKETS PROGRAM – 0% Down payment required and closing costs can be financed up to 105% of the purchase price. Only single-family homes that will be owner occupied are eligible. First time home buyer status not required and there are no income limits.


ZERO DOWN PROGRAMS – Same as above only the borrower pays for closing costs or can have the seller contribute up to 6% towards closing costs.


NO DOC/STATED INCOME - Loans where your income is not requested or verified with as little as 10% down are stated income loans. There are several varieties of the "no-doc" loan today. Basically the type of loan that is best suited for a particular borrower depends on that borrower's situation. Some borrowers choose not to disclose employment, income or asset information, while others may be willing to disclose employment and asset information but not income. Still others might be willing to disclose even income but select a program that doesn't calculate debt-to-income ratios allowing those borrowers to exceed the traditional guidelines in order to qualify for a larger mortgage amount. With all the different variations of the no-doc loan, there is definitely a mortgage program for today's non-conventional borrowers.


INTEREST ONLY - Shorter term adjustable rate mortgage where borrower is not required to make payment on the principal.


FLEX 97% - Similar to FHA but without maximum mortgage amount limitations. Must be a single family, owner occupied home and borrower must have a credit score of over 680.


A- THRU D LOANS – These mortgages are for the credit challenged. They can vary from slightly damaged credit to severely damaged. Whatever the situation we have a mortgage that will get you back on track.


2ND MORTGAGE LOANS – Subordinate to the first mortgage these loans offer the borrower the ability to get money for home improvement, debt consolidation or many other reasons without disturbing their first mortgage. Convenient when you have a low interest first mortgage.


125% 2nd MORTGAGE – Same as above but the 2nd mortgage we will lend up to 125% of the value of the home.


HIGH DEBT RATIO LOANS - Borrowers having the ratio of their monthly bills to their monthly income higher than 50% is considered a high debt ratio. Loan programs are available for these borrowers, allowing them to finance the purchase of a home or property.


CONSTRUCTION LOANS - Building a new home can be an exciting prospect - unless you get caught up in a construction loan approval process that's overly complicated and time consuming. With this loan we will finance up to 90% of the cost of land plus the costs of construction. We offer a one time fixed rate closing or the traditional ARM products.


INVESTOR LOANS – Used to finance 1-4 family properties that will be for investment with as little as a 10% down payment. Aggressively priced these programs have many variations such as NO DOC, LIMITED DOC and FULL DOC. PROGRAM NOT AVAILABLE IN NEW YORK.

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EcoQuest Business Solutions - Business Solutions MasterCard Program

EcoQuest Business Solutions - Business Solutions MasterCard Program

EcoQuest Business Solutions MasterCard Program

EcoQuest Business Solutions MasterCard

The EcoQuest Business Solutions MasterCard Program is a program that eliminates your need to manage and maintain a merchant account. However, it allows you the same perks and privileges of having your own for less than half of the cost. This program is designed with you in mind and frees you up to do what you do best—sell product and grow your business!

When signing up for this program, you will have the ability to accept and process credit card payments and electronically debit your customer’s checking account without paying the high costs of a merchant account.
For example: The standard monthly fixed cost for a merchant account ranges between $25.00 and $35.00, not including term commitments, annual fees, etc. The standard monthly fixed cost for ACH (check acceptance) service ranges between $10.00 and $15.00. Collectively, that is $35.00 to $50.00 for both services. In comparison, the EcoQuest Business Solutions MasterCard Program provides you with both services for just $10.00 per month.

more details........

HARRIS

Financing Solutions

Financing Solutions

If capital is the engine that drives business growth, Harris is the engineer that keeps your capital strategy on track. Whether you need financing for working capital, liquidity support, growth or acquisition, our experienced professionals help you:
• Maintain balance sheet flexibility;
• Determine the capital strategy and structure that best fits your needs;
• Control the costs of debt and taxes;1
• Manage interest rate and foreign exchange risks;
• Take advantage of global economic and industry trends.

Harris' broad array of products and services include:
• Business Loans and Lines of Credit. Businesses require these products for working capital, equipment acquisition, commercial real estate, construction and other purposes. Companies benefit from competitive interest rates and diverse credit products with varying amounts, terms, structures and pricing.
• Commercial Mortgages. As real estate assets mature, companies can raise capital — sometimes without paying capital gains taxes — by unlocking the equity in these assets. Terms may include fixed or floating rates, forward loan commitments, rate locks and level payment structures.
• Leasing. Leasing of equipment and/or real estate may offer a number of potential tax benefits. It may also improve cash flow by reducing or eliminating up-front cash investments.
• Industrial Revenue Bonds. These municipal, tax-exempt bonds enable manufacturers to raise capital to invest in equipment or facilities. Harris arranges the sale of these bonds and issues Harris letters of credit that help reduce total borrowing costs.
• Succession/Transition Financing. Harris has served the needs of privately held companies for nearly 100 years and can customize solutions to facilitate the purchase or sale of your business.
• Tax-exempt Bonds. Units of government, educational institutions and not-for-profit organizations can raise capital to expand or renovate facilities by issuing tax-exempt bonds. Harris arranges the sale of these bonds and issues Harris letters of credit that help reduce total borrowing costs.
• Asset-based Lending. Manufacturers, distributors and service companies can raise capital beyond their traditional bank lines by borrowing against their existing accounts receivable, inventory, machinery, equipment and real estate, as well as against their cash flow and earnings.
• Interest Rate Risk Management. The Harris organization offers the following interest rate risk management products and services;


–Fixed Income Derivatives.


–Interest Rate Swaps/Swaptions.


–Interest Rate Options.


–Caps, Floors.

more details......

E-LOAN RATED 1#

E-LOAN rated the #1 mortgage website for the fifth consecutive time

30-Year Fixed Rate Mortgages

Lock in a great fixed rate
Easy application
Approval in minutes
Perfect credit not required
Get cash back when you refinance

Learn More


MORE OPTIONS

Debt Consolidation: Now's the Time

Debt consolidation: Loosely defined, it's the act of combining several loans or debts — usually credit card debt — into one low payment. This can offer two big economic advantages: Lower interest rates and greater simplicity. Both are goals to work toward, and both are decidedly achievable. But how?
Here's the short-term solution: Consider a debt consolidation loan. It can cut those numerous high-interest debts down to size into one low-interest loan with one fell swoop. But exactly who qualifies for a debt consolidation loan? Do you have to own a home or not? And what about equity...? There's a little confusion. Let's clear this up.
Learn more about consolidating bad debt.
Debt Management: The Road to Freedom
Is it possible to climb out of a high-interest hole and onto the surefooted debt-free ground above? Certainly! But you may have to rethink your lifestyle with a little prudent debt counseling. (Did you really need that second plasma set so soon? Perhaps not.)
But there's no need to think in Spartan bread and water terms. You can live a rich life while receiving the debt relief your bank account is crying out for. Think of it as placing your money on a healthy diet and exercise regime. There may be a few aches and pangs as you first start to adjust, but you'll soon be feeling great as all of that accumulated personal debt simply melts away.
We've laid out several important steps to not only eliminating debt, but keeping its ugly head from rearing in the future as well.
Click here to learn more about managing debt.


Credit Cards

Get the best credit card deal for your needs!
We've selected the best credit card deals available online and categorized them by type and credit rating. Apply online and get an instant decision in most cases.
Credit Rating
Excellent/Good Credit
Bad Credit
No Credit History
Card Type
Balance Transfers
Instant Approval
Business Cards
Student Cards
Secured Cards
Prepaid Cards
Rewards Offer
Most Popular
Airline Miles
Cash Back
Gas Rebate
Hotel Rewards
Auto Rewards

Small Business Loans (SBA)

When it's time to start and grow your business, a US Small Business Administration (SBA) Guaranteed Loan can provide the critical financing your business needs.
Our sister company, Popular Small Business Capital is one of the top SBA lenders in the country and offers a variety of innovative loan programs for your business.
SBA Express, 7(A), and 504 loans available
Loans from $150,000 up to more than $5,000,000
Competitive programs and terms
Dedicated business development officers to assist you

BUSINESSFINANCE.COM

SEARCH MORE THAN 4.000 SOURCES OF FINANCING AND GET YOUR FREE MATCHING LIST IN SECONDS

Small Business

Small business loans can be used for most business purposes:

• The purchase of real estate to house the business



• Construction, renovation or leasehold improvements



• To purchase furniture, fixtures, machinery, or equipment



• For the flooring of inventory and for working capital

Micro Loans

Micro loans are small loans ($35,000 and under) for start-up and/or newly established small businesses. The SBA provides funds to non-profit community lenders which then make the loans to business borrowers with the credit decision made locally. The maximum term micro loan is 6 years with each lender having their own lending and credit requirements. However all microloans require some type of collateral and the personal guarantee of the business owner. Micro loans normally require that small business owners applying for financing must fulfill training and business planning requirements before a loan application is accepted. A Micro Loan can have many different uses including :

working capital
inventory
supplies
furniture
fixtures
machinery
equipment

Micro loans are relatively easy to obtain compared to traditional bank loans. There may be a problem if you are not located near one the the non-profit community lenders since they tend to only distribute funds in their own communities.

SBA loans

SBA loans are government supported financing for your business

SBA loans are an excellent source of funding for your business. The Small Business Administration offers a variety of loan guarantee programs. These programs help a business that may not qualify for a loan get approved on reasonable terms. The SBA does not actually give you the money, the commercial banks will loan you the money.
With SBA loans there is no limit to the amount of capital you can request. There is pretty good flexibility on how long you can take to pay the loan back. Most SBA loans allow for a maximum of 25 years maturity.
There are several criteria that must be met before you can completely qualify for SBA loans:
You must have some sort of stake in the business. They want to see that you are willing to give some of your own money into the business. You will work harder if your money is at stake.
You must have a strong business plan. This business plan should be extremely detailed and tell exactly how you plan to make money and how you plan to spend the money you are requesting.
You need good personal credit scores. If personally you pay all of your bills on time, than chances are you will be diligent about paying back the business loan, and that is what the SBA wants to see. There is a lot of importance placed on this. It would be wise to check your personal credit scores before you apply so you know where you stand when you go into speak with the lender.
Search our business funding directory to find the financing your business needs.

Franchise financing

Franchise financing can be a frustrating process without knowing your options. Apart from your local bank, these options fall under 3 main categories:
1. SBA FinancingThe U.S. Small Business Administration (SBA) guarantees loans for private banks/lenders. Programs include the popular 7(a) loan for up to $100,000.
2. Non-SBA and Specialty Franchise FinancingThere are commercial lenders that specialize in franchise financing through equipment leases and structured term loans. There is also the ERSOP program, using your 401k or IRA as start-up capital without penalties, taxes or distributions.
3. The FranchisorMany franchise companies either offer financial assistance themselves or help franchisees finds a bank or other lender. Most have a list of "preferred lenders".
Personal AssetsWhether it's SBA or non-SBA franchise financing, anywhere from 15% to 30% of the total capital need can be required of the borrower. Franchise start-up costs vary wildly across franchises, so this could be anywhere from $20,000 to $200,000. A borrower may need to refinance their personal property or liquidate stocks, bonds, IRAs, 401k, etc.
If possible it would be best if an individual could obtain the credit they need using business credit instead of personal credit, so that personal assets are not at a full risk. Also banks are more apt to loan more money to a business than to an individual. Building good business credit works just the same as building personal credit. Our Business Credit Building System shows you step-by-step how to setup business credit the right way and get the financing that is needed.
Browse our free business capital search engine to connect with lenders that can help you obtain franchise financing.

Development financing

Development financing with the SBA 504 loan program.This program provides you with long-term, fixed-rate financing for major fixed assets (land, buildings, etc.). This program is set up to contribute to the economic development of a community. The SBA through Certified Development Companies (CDC) works with private-sector lenders to provide financing to small businesses.These programs include a loan from a private-sector lender that covers 50% percent of the project and a secondary loan for up to 40% of the project cost from the CDC that is 100% SBA-guaranteed. This will leave you with a combined loan-to-value ratio of 90%.Funding from this program can be used for:
Purchasing land and improvements including existing buildings
Grading and street improvements
Utilities, parking lots and landscaping
Construction of new facilities
Modernizing, renovating or converting existing facilities
Purchasing long-term machinery and equipment
** The loan program cannot be used for working capital or inventory, consolidating or repaying debt, or refinancing.

Import export loans

export loans provides capital to exportersThe SBA supports export financing to small businesses when financing is not otherwise available on reasonable terms. The program encourages lenders to offer export working capital loans by guaranteeing repayment of up to $1 million or 90 percent of a loan amount, whichever is less.The loans have:
Guarantees of up to $1.1 million or
Guarantees up to $1.25 million if it's combined with an international trade loan
A reasonable turnaround. The SBA can usually turnaround this type of loan within 10 days or less
An applicant must be in business for a full year at the time of application. The SBA may waive this if the applicant has export trade experience.Applicant businesses must:
Operate for profit
Be engaged in business in the United States
Have reasonable owner equity to invest and
Use alternative financial resources first, including personal assets

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HAYES LOAN SERVICES

We're much more than just Mortgages!
We specialize in a very niche market, home and mortgage related products and services. We focus on educating the average consumer, giving YOU the power in your banking and mortgage relationships which allows you to take advantage of opportunities that can save you HUNDREDS of THOUSANDS of dollars. It's all right here on the website, we explain how all of it is done and why you should engage us to broker your home loans, negotiate financing issues, help restore your good credit and pay down your mortgage so much faster than you ever thought possible. With that being said...
We are committed to assisting you in finding the right home finance product for your real estate needs. Whether you're looking for your first home, an investment property, a second home, refinancing your current property, restoring your credit or taking advantage of the banks money... we're here to help.
We understand that every situation is different, and we offer a variety of products to meet your individual requirements. With our team of experts, we make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.
Don't settle for four "offers" get the personalized attention you deserve. Let our pros show you the best loan package for your needs.
You need to know.......

Services

New Loans, Re-Finance, Foreclosure and Mortgage AuditsHayes Loan Services is all about helping the consumer learn more about the mortgage and home buying process. Knowledge is power and with our help you can learn to leverage the banks money to save yourself big bucks over the life of your loan.


Credit Repair

If your FICO* score is preventing you from owning the home, car or even obtaining the credit card you desire, then let our credit specialist tailor a program based on your immediate needs. A higher FICO score is vital to achieving your dreams.
With the recent revision to the Fair Credit Reporting Act (FCRA) and new legislation being passed, it makes creditors more accountable for the information they share about you. We know the laws and we use all of them to protect your interests. By using cutting-edge technology and up-to-date legal information, we fight to protect your credit rating and will educate you along the way!
The approach we take on your behalf is unique because our focus is not necessarily on the validity of the derogatory remarks on your credit reports, but rather on the many laws creditors are breaking to save time and money when reporting to the bureaus. This allows us to audit or investigate your creditors and establish proof that they are not in compliance with the law. Invalid information must be corrected or removed within a very short period of time and since most companies are very slow moving, the derogatory information is usually just removed.
Your creditors can re-report at anytime so it is important to stay on top of your credit reports to insure that the derogatory or incorrect information does not re-appear. The Federal Trade Commission (FTC) says that in most cases you can do your own credit repair. This is absolutely correct and we agree however, the advantage to using a service such as ours is three fold:
We know the credit business, we know what works and what doesn't. We know what major credit companies report, when and for how long.
We focus on the job. You already have a job and if you want your credit to improve you must pay your bills on time and insure that the old, incorrect and derogatory information STAYS off your credit report. That is OUR job.
We have built a network of partners and sister companies that can work with you to help re-establish your good credit. Starting over doesn't necessarily mean starting from zero.
If you want more information on do-it-yourself credit repair, check out the FTC's guide on their website.
You are entitled to a copy of your credit report from the 3 major credit reporting agencies. You may get a copy of your report anytime you are denied credit or once per year upon request. You can get your credit report online at www.annualcreditreport.com. The annual credit report does not contain your actual FICO score. You can purchase a FICO report from the same web site for approximately $35.00.Don't Delay! Get Started Now!
Our CREDIT RESTORATION Services Include the Analysis and Potential Removal of the Following Items from Your Credit:
Bankruptcies
Charge-Offs
Collections
Credit Account Late Pays
Foreclosures
Inquiries
Judgments
Mortgage Late Pays
Notices of Default
Repossessions
Student Loans
Tax Liens
*FICO stands for Fair Isaac Company, the company that created the original scoring model. FICO is a mathematical model created by the Experian credit bureau as a tool for lenders to use in evaluating therisk associated with lending you money.
Hayes Loan Services ServicesNew Mortgage & Refinance Credit Repair Foreclosure Help Mortgage Audits Log in or create an accountand get started now!
Mortgage Topics[ Calculators ] [ Work Sheet ]The Mortgage Process ExplainedHow do mortgages work?How can I save on my mortgage?

Foreclosure Topics
What is foreclosure?Do I have any options if I'm in foreclosure?How to Avoid Foreclosure
Credit Repair
About Credit RepairSaving money on your mortgage
Mortgage Audit
What is a mortgage audit?Home Buying

City Platinium Select Card

WE'D LIKE TO PICK YOUR INTEREST, NOT YOUR INTEREST RATE!

City Platinium Select Card

• 0% APR* on balance transfers and purchases for up to 12 months
• APR as low as 8.49% after intro period*
• Balance transfer fee applies with this offer
• No annual fee

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Discover More Card

DISCOVER MAKE YOUR MONEY WORTH MORE


Discover More Card

• 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more


• 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site


• Up to 1% Cashback Bonus® on all other purchases automatically


• 0% Intro APR for 12 months on purchases and balance transfers


• No annual fee

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FASTBUCK - When You Need Cash And Need It Fast!

Apply online for Instant Online Payday Loans anywhere across the United States!

What is a Payday Loan?

A payday loan is a method in which people go about securing short term cash. A payday loan or payday advance is generally for a small amount ($100 - $500) and is normally paid back within a few days. Our fees are normally less expensive then writing a hot check or paying late fees for your rent, and certainly more convenient than having your utilities cut off.What do I need to be pre-approvedfor an Online Cash Advance?You will be pre-approved for an Online Cash Advance of $200if you meet these simple requirements:
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You must have an income of at least $1200 per month.
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You must have worked at your current job for at least 3 months.
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You must have lived at your current residence for at least 3 months.
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You must have an active checking account with your name printed on the checks; then account must have been open for at least 3 months.
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You must have access to a fax machine.
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Your paycheck must be Direct Deposited into your checking account.
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You must be at least 18 years old.
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You must not be delinquent on a prior Payday Loan.What do I need to do?Complete our on-line application.If approved, fax the following documents:» Complete bank statement» Recent pay-stub» A copy of your state issued ID» A copy of your social security card.» A voided check» Recent telephone bill» Loan AgreementIf application is recieved by 2 pm CST you will recieve funds in your checking account the next day.Do you check my credit?FastBucks does not utilize the services of any of the major credit bureaus. However we DO use various services that share data between payday lenders. We may also use TeleCheck to view your check writing history.When will I get the money?If you get the loan agreement back to us promptly, you could receive the loan proceeds in your account the next business day. Our deadline is 2 PM CST for next day deposits.How much do I have to pay back?Our fees are as low as $6 for $100 for 3 days. Your fee will be based upon the length of loan you choose and the amount of money you borrow. See APR Disclosure

When my loan is due, what are my options?
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If you do nothing, we will debit your checking account on your due date for the full amount due.
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If you request, we will debit your checking account for the current interest due, and extend the due date on your account.
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After paying all current interest due, you may also prepay any portion of your loan amount.

What if I need more money or prefer to apply in person?

FastBucks internet limit is $200 the first time. If you prefer NOT to fill the application out on the internet, you may call in your application. Our Customer Service Number is Toll Free (877) 329-1604. Our store locations offer higher amounts with different rules. If you prefer to visit a store, click Find a Location for the store closest to you.