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Answer Upon - The Process of Preparation
There are peculiar natural qualities needed to make a good salesperson, and if you do not have these, you’d better turn your attention to some other career, for you cannot succeed here. Yet two men who are equally good salesmen, may be almost totally unlike. Almost. They must be good judges of human nature. How shall you become a good judge of human nature? You might as well ask me why the violets are blue; I cannot tell you.You need to know human nature because you must please the person with whom you are talking; must make a pleasant impression on him. We do not trade with a disagreeable person unless we are obliged to; we often buy articles we did not expect to purchase just because the man who waited on us was pleasant. Every good salesman is one who does just this: he makes himself agreeable to the person he is waiting upon, so that if he does not sell him more than he intended to buy, he sells him all he expected to purchase, and sends him away with a pleasant impression of the salesman. Do not misconstrue my phrase, "makes himself agreeable;" perhaps you have been making yourself agreeable to some young lady, and think the same tactics you used with her are to be brought into play in the store. You could not make a greater mistake.When a person enters the store he or she should be met with respectful politeness; not the pigeon-wing
There are many misconceptions about what it takes to achieve a commercial loan. We hope to overcome those misconceptions by providing insightful and accurate information that will guide and assist you. Since there are literally dozens of types of loans, we’ll stick to the basics and work from there. Remember, this is a process.
1. Executive Summary – The first item you want to prepare is a summary of your project. This summary will discuss the project and how much money it will require to complete the project and the projected time frame. This doesn’t need to be elaborate as it is a “summary” and the plan is a separate format. Since some projects are larger and more detailed than others, this can be anywhere from 1 to 5 pages. Ideally, you want your summary to be 1 or 2 pages to keep things simple.
2. Business Plan – If you are starting a business or venturing a major project, you will need an actual business plan. If the project is very simple, a proposal will suffice. A well-written business plan will include a marketing strategy based on data research and cost projections based on industry trends. It’s always wise to include a risk analysis to display not only that you understand your industry but to further enhance that you know what you’re doing.
3. Fin
Is there someone where you work who absolutely, totally, and unequivocally drives you up the wall? Do you sometimes feel like climbing the wall all by yourself as the quickest way to escape? If you are saying Yes! Yes! Yes! you have had first-hand experience with "The Frustration Factor," up close and personal.The players of the world are alive and well and ready to drive you up the wall. Some are aggressive, some passive; some are extroverts and others introverts. Whatever their personalities, they are mostly motivated by personal needs, status goals, and insecurities. If their private goals are coincidentally compatible with your company's, so be it. If not, their selfish interests prevail.Rich is an experienced player.Rich's approach to driving people up the wall is B t B: By the Book. In a less linguistically correct time, we called this CYA.His main play is to do things the same way he always does them. What has worked before is likely to work again. He knows people seldom find fault with his handling things in the usual way, whether it works or not.Next, Rich always looks at how things can go sour and little at how they can succeed. He asks, "What are the three strongest reasons for not doing this?" His motto is nothing ventured, nothing lost.Finally, any time he has to do something that has some risk, he s
In life, a process that begins properly will increase the chance of accuracy all the way through and a successful conclusion. The world of commercial finance can be complicated as every project is unique. There are many programs and products available but every application is as different as the applicant. The part of this process that is universal is the preparation. Some may tell you that luck is the residue of preparation but in reality, preparation is the prerequisite for sustained success. Whether you are starting a business or seeking to expand one, the fundamentals of preparation cannot be forsaken and discipline must be applied. This article intends to address the commercial loan process and how one begins a business and sustains growth and prosperity.
Starting a business for the first time can seem like one of the most difficult things you do but if you view it as a process and not a destination, the journey will be far more pleasurable and the rewards, more sweet. Some people like to dive right in and start plotting and planning how much money they’ll make and how they’re going to make all this money. Such a dive may often be a flop, as it lacks meaning. Aristotle once said: Life without purpose has no meaning. The purpose of diving right in appears correct, as one eagerly rushes to make money but what’s the meaning of starting your own business and have you defined the parameters? So to begin, let’s explore some procedures of the process.
1. Define who you are? – Yes, that means exactly what it states. This part is scientific but you don’t need to be a scientist or a psychologist or even a psychiatrist, as none of those professionals will ever know you as well as you know yourself. For instance, if a man is seven feet tall then he probably shouldn’t be entering into the field of becoming a horse jockey. It’s not a question of “can” he succeed but it’s a matter of what the reasons are that no horse jockeys are seven feet tall. Unless that is a burning desire that won’t fade, he’s better off seeking more reasonable measures. Once defining the science of who you are, you must then explore the art of who you are. The art of who you are is your characteristics, your imagination and thoughts and how you express those traits in your respective society. Understanding your art will assist you in how you locate your market and how your skills are best exhibited. If for instance you lack patience, then you probably shouldn’t be working with children, as patience is an essential component to working with the youth along with multiple other characteristics. Defining who you are is paramount to choosing what type of business you start because your business will lack an identity and you will struggle to understand why. The most important part of this stage is to be honest with yourself and make your determinations in private.
2. Define who you want to be. – Again, this means exactly what it states. The science of who you want to be can only begin once you’ve discovered who you already are; otherwise you will remain confused and frustrated. If you are over the age of 25 and six feet tall, chances are that you will never be seven feet tall, therefore this idea would be nothing more than an illusion and your desires must be redirected. If you are right-handed and aspire to be ambidextrous then it only follows that you must commit yourself to using your left hand when other options are available. If you do not speak Spanish and would like to engage the Spanish market, then of course you must learn to speak the language. Thereto, you must again explore the art of who you are. If you aspire to work with children and know you lack patience, then you must place yourself in situations that command patience until you’ve mastered the art. Deciding who you want to be is again a process and one that requires these decisions to be made in private, as no one can fully understand your dreams.
Now you feel good that you’ve properly identified yourself and your dreams. You’ve chosen a business that is suitable to your needs and supplies your visions. These conversations with yourself have been ongoing for quite sometime but I assure you that you’re not crazy and don’t need to be admitted to a mental institution. This is all just part of the process. Before you rush out to apply for all the necessary paperwork, let’s take some other proper measures.
1. Meet with an Accountant – Preferably, you want to meet with a CPA but a Tax professional will do. You don’t need to meet with a tax attorney because they usually help people get “out” of trouble and we are planning for you to not get into any [trouble]. Whatever tax professional you choose, you must provide them with full disclosure so they can properly assist you. The Accountant must understand your current income and tax status and what type of business you are starting. They also must know how much you expect to make and how much you need for you and your family. This part of the process is crucial and when forsaken, many find themselves in arrears with the IRS or worse, in court. Tax planning accounts for one-third to one-half of all wealth in America which should enable you to understand its significance. Try to meet with at least two tax professionals before you begin.
2. Meet with an Attorney – Depending on the type of business you’re starting, you may need to meet with more than one type of attorney. One of those attorneys should be a Corporate Attorney. Again, you must provide full disclosure because this is the only way they can properly guide you and your business. Despite all the lawyer jokes in America, Attorneys provide an invaluable service to the public and are even more essential to starting and building a formidable business. Most businesses involve real estate in some form or fashion, so I also recommend you visit a Real Estate Attorney and explain your current situation and what your intentions are to become. This advice will broaden your perspective and enlighten your goals as you venture forward. Again, try to meet with two Corporate Attorneys prior to your beginnings.
3. Meet with a Finance Specialist – That term appears broad because it is, therefore you must refine and limit it based on your limitations. Those starting a business will understand that all businesses require funds and funds can be accessed from multiple venues. If you are planning to begin a business in your home, you may want to speak with a Residential Mortgage Broker. This person can speak to you about home equity loans, second mortgages, lines of credit and what your options are based on your equity. If you are seeking a business loan, you need to speak with a Commercial Finance Consultant and they will tell you what you need to do and how to achieve your goals. If you have a relationship with your current bank, then make an appointment and your local bank should be able to answer many of your questions and explain your options as well. A Banker can explain all the parameters of institutional lending with you but just remember that business lending goes far beyond the limitations of a bank. Try to meet with two Finance Consultants before making your determinations.
There are many misconceptions about what it takes to achieve a commercial loan. We hope to overcome those misconceptions by providing insightful and accurate information that will guide and assist you. Since there are literally dozens of types of loans, we’ll stick to the basics and work from there. Remember, this is a process.
1. Executive Summary – The first item you want to prepare is a summary of your project. This summary will discuss the project and how much money it will require to complete the project and the projected time frame. This doesn’t need to be elaborate as it is a “summary” and the plan is a separate format. Since some projects are larger and more detailed than others, this can be anywhere from 1 to 5 pages. Ideally, you want your summary to be 1 or 2 pages to keep things simple.
2. Business Plan – If you are starting a business or venturing a major project, you will need an actual business plan. If the project is very simple, a proposal will suffice. A well-written business plan will include a marketing strategy based on data research and cost projections based on industry trends. It’s always wise to include a risk analysis to display not only that you understand your industry but to further enhance that you know what you’re doing.
3. Fina
For decades, gondola shelving has provided storeowners of all types with durable, affordable and versatile display options. Gondola systems have the ability to fit into almost any retail scenario regardless of merchandise or customer demographic and are available in a myriad of materials, finishes, sizes etc. As a result, selecting the right gondola system has the potential to be pretty overwhelming. Over the course of the next two articles, we will be highlighting the fundamentals of putting together a gondola system that maximizes the potential of your store, fits into your budget, and keeps your customers coming back.Determining a layout is the first step toward making a gondola system work well for your store. The decision to use gondolas vs. slatwall, grid, wood shelving or custom fixtures depends a great deal on what you are selling, who you are selling to and the limitations of your budget. A good rule of thumb is the greater the volume of product, the more gondola shelving you should use. That’s why you see gondola systems used heavily in convenience stores, supermarkets, dollar stores, etc., as these retail situations often require the simultaneous display and storage of many items on the same shelf.Next consider the height of your gondolas. Obviously, the taller the gondola system, the more space you can use to merchandise.
2. Define who you want to be. – Again, this means exactly what it states. The science of who you want to be can only begin once you’ve discovered who you already are; otherwise you will remain confused and frustrated. If you are over the age of 25 and six feet tall, chances are that you will never be seven feet tall, therefore this idea would be nothing more than an illusion and your desires must be redirected. If you are right-handed and aspire to be ambidextrous then it only follows that you must commit yourself to using your left hand when other options are available. If you do not speak Spanish and would like to engage the Spanish market, then of course you must learn to speak the language. Thereto, you must again explore the art of who you are. If you aspire to work with children and know you lack patience, then you must place yourself in situations that command patience until you’ve mastered the art. Deciding who you want to be is again a process and one that requires these decisions to be made in private, as no one can fully understand your dreams.
Now you feel good that you’ve properly identified yourself and your dreams. You’ve chosen a business that is suitable to your needs and supplies your visions. These conversations with yourself have been ongoing for quite sometime but I assure you that you’re not crazy and don’t need to be admitted to a mental institution. This is all just part of the process. Before you rush out to apply for all the necessary paperwork, let’s take some other proper measures.
1. Meet with an Accountant – Preferably, you want to meet with a CPA but a Tax professional will do. You don’t need to meet with a tax attorney because they usually help people get “out” of trouble and we are planning for you to not get into any [trouble]. Whatever tax professional you choose, you must provide them with full disclosure so they can properly assist you. The Accountant must understand your current income and tax status and what type of business you are starting. They also must know how much you expect to make and how much you need for you and your family. This part of the process is crucial and when forsaken, many find themselves in arrears with the IRS or worse, in court. Tax planning accounts for one-third to one-half of all wealth in America which should enable you to understand its significance. Try to meet with at least two tax professionals before you begin.
2. Meet with an Attorney – Depending on the type of business you’re starting, you may need to meet with more than one type of attorney. One of those attorneys should be a Corporate Attorney. Again, you must provide full disclosure because this is the only way they can properly guide you and your business. Despite all the lawyer jokes in America, Attorneys provide an invaluable service to the public and are even more essential to starting and building a formidable business. Most businesses involve real estate in some form or fashion, so I also recommend you visit a Real Estate Attorney and explain your current situation and what your intentions are to become. This advice will broaden your perspective and enlighten your goals as you venture forward. Again, try to meet with two Corporate Attorneys prior to your beginnings.
3. Meet with a Finance Specialist – That term appears broad because it is, therefore you must refine and limit it based on your limitations. Those starting a business will understand that all businesses require funds and funds can be accessed from multiple venues. If you are planning to begin a business in your home, you may want to speak with a Residential Mortgage Broker. This person can speak to you about home equity loans, second mortgages, lines of credit and what your options are based on your equity. If you are seeking a business loan, you need to speak with a Commercial Finance Consultant and they will tell you what you need to do and how to achieve your goals. If you have a relationship with your current bank, then make an appointment and your local bank should be able to answer many of your questions and explain your options as well. A Banker can explain all the parameters of institutional lending with you but just remember that business lending goes far beyond the limitations of a bank. Try to meet with two Finance Consultants before making your determinations.
There are many misconceptions about what it takes to achieve a commercial loan. We hope to overcome those misconceptions by providing insightful and accurate information that will guide and assist you. Since there are literally dozens of types of loans, we’ll stick to the basics and work from there. Remember, this is a process.
1. Executive Summary – The first item you want to prepare is a summary of your project. This summary will discuss the project and how much money it will require to complete the project and the projected time frame. This doesn’t need to be elaborate as it is a “summary” and the plan is a separate format. Since some projects are larger and more detailed than others, this can be anywhere from 1 to 5 pages. Ideally, you want your summary to be 1 or 2 pages to keep things simple.
2. Business Plan – If you are starting a business or venturing a major project, you will need an actual business plan. If the project is very simple, a proposal will suffice. A well-written business plan will include a marketing strategy based on data research and cost projections based on industry trends. It’s always wise to include a risk analysis to display not only that you understand your industry but to further enhance that you know what you’re doing.
3. Fin
Take any home building project which may require customized construction, customer satisfaction is a must and without which, the trust that has been placed in the builder slips away drastically.Thinking on the type of construction in mind, you as the customer are required to hunt for a good builder and Construction Company with high reputation along with good customer testimonials. Such companies tend to build a trustworthy feeling by looking at their profile. Not only that, on time delivery of quality work as expected, confirms their dedication and sincerity towards the way your construction project will be handled.But the point is still the same, looking and surfing on the internet for such a construction company can sometimes be very hectic especially when it brings out even more confused or depressed results. What are you going to do next? The job becomes even more complicated when you are trying hard to find out the list of all construction companies near your home and you are not able to decide “should I hire them or not?”. The solution is right here for you, www.constructionworld.us, the largest builder’s and Construction Company’s web directory.In other words, this web directory has the biggest collection of the construction related matter on the inte
Now you feel good that you’ve properly identified yourself and your dreams. You’ve chosen a business that is suitable to your needs and supplies your visions. These conversations with yourself have been ongoing for quite sometime but I assure you that you’re not crazy and don’t need to be admitted to a mental institution. This is all just part of the process. Before you rush out to apply for all the necessary paperwork, let’s take some other proper measures.
1. Meet with an Accountant – Preferably, you want to meet with a CPA but a Tax professional will do. You don’t need to meet with a tax attorney because they usually help people get “out” of trouble and we are planning for you to not get into any [trouble]. Whatever tax professional you choose, you must provide them with full disclosure so they can properly assist you. The Accountant must understand your current income and tax status and what type of business you are starting. They also must know how much you expect to make and how much you need for you and your family. This part of the process is crucial and when forsaken, many find themselves in arrears with the IRS or worse, in court. Tax planning accounts for one-third to one-half of all wealth in America which should enable you to understand its significance. Try to meet with at least two tax professionals before you begin.
2. Meet with an Attorney – Depending on the type of business you’re starting, you may need to meet with more than one type of attorney. One of those attorneys should be a Corporate Attorney. Again, you must provide full disclosure because this is the only way they can properly guide you and your business. Despite all the lawyer jokes in America, Attorneys provide an invaluable service to the public and are even more essential to starting and building a formidable business. Most businesses involve real estate in some form or fashion, so I also recommend you visit a Real Estate Attorney and explain your current situation and what your intentions are to become. This advice will broaden your perspective and enlighten your goals as you venture forward. Again, try to meet with two Corporate Attorneys prior to your beginnings.
3. Meet with a Finance Specialist – That term appears broad because it is, therefore you must refine and limit it based on your limitations. Those starting a business will understand that all businesses require funds and funds can be accessed from multiple venues. If you are planning to begin a business in your home, you may want to speak with a Residential Mortgage Broker. This person can speak to you about home equity loans, second mortgages, lines of credit and what your options are based on your equity. If you are seeking a business loan, you need to speak with a Commercial Finance Consultant and they will tell you what you need to do and how to achieve your goals. If you have a relationship with your current bank, then make an appointment and your local bank should be able to answer many of your questions and explain your options as well. A Banker can explain all the parameters of institutional lending with you but just remember that business lending goes far beyond the limitations of a bank. Try to meet with two Finance Consultants before making your determinations.
There are many misconceptions about what it takes to achieve a commercial loan. We hope to overcome those misconceptions by providing insightful and accurate information that will guide and assist you. Since there are literally dozens of types of loans, we’ll stick to the basics and work from there. Remember, this is a process.
1. Executive Summary – The first item you want to prepare is a summary of your project. This summary will discuss the project and how much money it will require to complete the project and the projected time frame. This doesn’t need to be elaborate as it is a “summary” and the plan is a separate format. Since some projects are larger and more detailed than others, this can be anywhere from 1 to 5 pages. Ideally, you want your summary to be 1 or 2 pages to keep things simple.
2. Business Plan – If you are starting a business or venturing a major project, you will need an actual business plan. If the project is very simple, a proposal will suffice. A well-written business plan will include a marketing strategy based on data research and cost projections based on industry trends. It’s always wise to include a risk analysis to display not only that you understand your industry but to further enhance that you know what you’re doing.
3. Fin
Several free business grants are provided by the government for the business-minded person. If you think you have a profitable business or that your business needs additional funding for expansion then several free business grants are available to cater to your financial needs.One of these free business grants is the program of The Department of Homeland Security (DHS). This free business grants program by DHS seeks innovative ideas and inventions on security-related products. The award for those who will successfully hurdle the competition is $100,000 for six months to fund research that will prove the scientific, technical and commercial value of their concept. If DHS approves of their ideas, the companies can expect a two-year $750,000 free business grants to be spent on making functioning stereotype of the product.The DHS free business grants’ program is funded by the Small Business Innovation Research. To qualify for this free business grants, one must be a U.S.-based company with 500 or fewer employees. Proposals submitted for this free business grants program should focus on the following areas: chemical and biological defense, information technology and marine security.Other free business grants that you can avail of can probably be found right in your state. The federal government though, does not as a rule, provide f
2. Meet with an Attorney – Depending on the type of business you’re starting, you may need to meet with more than one type of attorney. One of those attorneys should be a Corporate Attorney. Again, you must provide full disclosure because this is the only way they can properly guide you and your business. Despite all the lawyer jokes in America, Attorneys provide an invaluable service to the public and are even more essential to starting and building a formidable business. Most businesses involve real estate in some form or fashion, so I also recommend you visit a Real Estate Attorney and explain your current situation and what your intentions are to become. This advice will broaden your perspective and enlighten your goals as you venture forward. Again, try to meet with two Corporate Attorneys prior to your beginnings.
3. Meet with a Finance Specialist – That term appears broad because it is, therefore you must refine and limit it based on your limitations. Those starting a business will understand that all businesses require funds and funds can be accessed from multiple venues. If you are planning to begin a business in your home, you may want to speak with a Residential Mortgage Broker. This person can speak to you about home equity loans, second mortgages, lines of credit and what your options are based on your equity. If you are seeking a business loan, you need to speak with a Commercial Finance Consultant and they will tell you what you need to do and how to achieve your goals. If you have a relationship with your current bank, then make an appointment and your local bank should be able to answer many of your questions and explain your options as well. A Banker can explain all the parameters of institutional lending with you but just remember that business lending goes far beyond the limitations of a bank. Try to meet with two Finance Consultants before making your determinations.
There are many misconceptions about what it takes to achieve a commercial loan. We hope to overcome those misconceptions by providing insightful and accurate information that will guide and assist you. Since there are literally dozens of types of loans, we’ll stick to the basics and work from there. Remember, this is a process.
1. Executive Summary – The first item you want to prepare is a summary of your project. This summary will discuss the project and how much money it will require to complete the project and the projected time frame. This doesn’t need to be elaborate as it is a “summary” and the plan is a separate format. Since some projects are larger and more detailed than others, this can be anywhere from 1 to 5 pages. Ideally, you want your summary to be 1 or 2 pages to keep things simple.
2. Business Plan – If you are starting a business or venturing a major project, you will need an actual business plan. If the project is very simple, a proposal will suffice. A well-written business plan will include a marketing strategy based on data research and cost projections based on industry trends. It’s always wise to include a risk analysis to display not only that you understand your industry but to further enhance that you know what you’re doing.
3. Fin
10. Pay no income taxes on profits your company does not remit to the U.S. You should pay taxes in your country on money your Panamanian corporation pays you, whether in salary or tax-advantaged dividends or capital gains. However, the corporation can pay many of your expenses as legitimate business expenses.9. Pay no income taxes in Panama. A non-resident Panamanian International Business Corporation or Private Interest Foundation does not pay any kind of tax on any of its income or assets, and does not even have any reporting requirements to the Panamanian government.8. No Panamanian requirement to collect sales taxes from your customers. (Yea!)7. No capital gains tax, no tax on interest income, no stock sale or transfer tax, no property tax, and no gift tax.6. Panama has the most stable government in Latin America, no army (it was abolished by constitutional amendment in 1994; security is provided by the U.S.) and 70 years of the same offshore corporation law. Panama is the registered domicile for nearly 500,000 corporations and foundations, making it the second most popular jurisdiction to incorporate in the world, following Hong Kong. It has the second-largest free trade zone in the world, again following Hong Kong, with almost 2,000 import/export businesses operating inside it and
There are many misconceptions about what it takes to achieve a commercial loan. We hope to overcome those misconceptions by providing insightful and accurate information that will guide and assist you. Since there are literally dozens of types of loans, we’ll stick to the basics and work from there. Remember, this is a process.
1. Executive Summary – The first item you want to prepare is a summary of your project. This summary will discuss the project and how much money it will require to complete the project and the projected time frame. This doesn’t need to be elaborate as it is a “summary” and the plan is a separate format. Since some projects are larger and more detailed than others, this can be anywhere from 1 to 5 pages. Ideally, you want your summary to be 1 or 2 pages to keep things simple.
2. Business Plan – If you are starting a business or venturing a major project, you will need an actual business plan. If the project is very simple, a proposal will suffice. A well-written business plan will include a marketing strategy based on data research and cost projections based on industry trends. It’s always wise to include a risk analysis to display not only that you understand your industry but to further enhance that you know what you’re doing.
3. Financials – Personal and business financials should be organized and readily available. For your personal finances, prepare 3 years of history but a financial statement will suffice to begin. For your business, there should be a profit and loss statement, balance sheet or operating statements available. The criteria for each loan is different and don’t anoint yourself qualified to make those judgments. Leave it to the banks.
4. Resumes – Make certain that you have resumes on yourself and all principals involved on the project. In your resumes, don’t just list your work and educational history; provide some background into who you are and what activities you’re involved in. Remember these people don’t know you and this information is all they have to go on. So list things like your hobbies, community activities, charities, etc… When providing your resume, you should try to paint a complete portrait of yourself and in the best light.
5. References – If at all possible, enlist your friends and former co-workers to write character references about you. Similarly to the resumes, this type of information can fill any potential holes or gaps that may linger with respects to who you are and what your capabilities may be as a business owner.
6. Terms – In your business plan or proposal, plan how you want to pay the loan back and diagram the parameters in your plan. The lender will see that you’ve put much thought in this project and how to execute its success. Make certain that your parameters are reasonable and marketable. The more you appear as if you understand what you’re doing, the more qualified they will view you.
These are just some of the fundamentals you can employ on each and every project you pursue. The intricacies may vary with the complexity of each project and based on your personal dynamics and your business longevity. The most popular question from applicants is “How long will it take to get the funding?” The appropriate answer is that you must remember to “respect” the process. The answer to that popular question is “That depends on you.” If you respect the process and are properly prepared, then the process will work for you. The money is ready and willing, are you? Be prepared!
J. R. Parler
JRParler@yahoo.com
Commercial Real Estate & Finance
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