Ampley Heartstone Capital

Ampley Heartstone is a boutique commercial financial services firm that offers a consultative approach to accessing capital. We can arrange fast and flexible nom-bank loans and develop payment options that will help your business grow. ? Our passion is serving the underutilized markets of small, minority, and women-owned businesses. We serve those looking for creating financing options, offering term loans, commercial real estate loans, factoring, lines of credit, merchant cash advances, and equipment financing. We also have relationships with philanthropic organizations to facilitate nonprofit funding. ? Many business owners believe that once their bank rejects them, they have nowhere else to turn. We work with 25 alternative institutional lenders and individuals who have more relaxed requirements and are willing to take on more risk. Alternative lenders have a wide variety of special loan programs that are specifically geared to businesses who were turned down by their banks, even applicants with insufficient credit history, poor cash flow, insufficient collateral and/or too much debt already. ? Ironically, our best referral sources are the banks who turn down loans for their depository customers. Business owners won't take no for an answer when they get turned down by their depository bank. We provide banks with a safe solution to the customer's problems, enabling the bank to preserve the depository relationship and serve the customer at the same time. Our established funding sources provide a broad range of financing solutions. This satisfies the customer's needs, enabling them to grow and the bank's deposits along with it. We also work closely with accountants, bookkeepers, and other financial professionals. When banks turn down their clients, they turn to us. Our business development approach produces results. We believe in the American dream! No matter what the reason for a loan being denied, there is a loan program available for our clients. #commercialrealestate?#businessowners?#financialservices?#growth?#business?#funding?#womeninbusiness?#churchfunding?#finance?#lending?#loans?#usabusiness?#credit?#money?#bank?#sbaloan?#sba?#churches?#startup?#construction?#startupfunding?#usa?#building?#startuplife

Four industries will be severely impacted by the anti-immigrant policies of the new administration: agriculture, construction, hospitality, and medical. Costs will go sky high. The reality is that both political parties benefit from both legal and illegal immigration, because Americans like cheap labor. The system has been broken ever since Reagan give amnesty to the illegals who were then in the country. Inflation will be rampant and the reindustrialization of American manufacturing will be dramatically inhibited by Trump’s policies. American universities will be severely impacted by this new policy because it will inhibit many of the best and the brightest from coming here. They will go instead to our competitors in Canada and the UK. Immigrants receive half of all PhD's in the US, leading to innovation which we then monetize and export to the world. American universities are the jewel in the crown, because we attract the best and brightest students from other parts of the world. Many of then stay here and add to the American mosaic. Margaret Thatcher once said, "Europe was created by geography. America was created by philosophy". The United States is unique in world history because you can choose to be an American by virtue of accepting American first principles, even of you aren't born here. This phenomenon creates an ethos that transcends race or religion, and attracts the most ambitious.??

Revenue as a share of GDP has fallen from about 19.5 percent in the years immediately preceding the Bush tax cuts to just 16.3 percent in the years immediately following the Trump tax cuts, with revenues expected to rise to an annual average of 16.9 percent of GDP in 2018-2026 (excluding pandemic years), according to CBO. This is simply not enough revenue given the nation’s investment needs and our commitments to Social Security and health coverage. The United States is undergoing the greatest reindustrialization in its history. It needs capital to grow. https://lnkd.in/eAC-Dq2y

"The Harm That Good Men Do" Philosopher Bertrand Russell wrote an essay arguing that what we overstate the "goodness" of those in society who are not really good, but are merely conventional. Russell cites several great thinkers, such as Darwin and Spinoza, who were known as bad men during their time, likely because they were unconventional. Russell says that our morality becomes superstition and that we need a new morality based on love of life and encouragement of growth.? Restrictions on residential development were thought by liberals to be "good" because some developers were unscrupulous, and invited suburban sprawl. This became a article of faith by the middle class, who imposed constraints -- zoning, environmental issues, equity issues, and many others. The result in California and many other jurisdictions all over the world is that there isn't enough housing. This drives up prices for the very people who advocated for those constraint in the first place -- another example of the harm that good men do. https://lnkd.in/ew4nJJX8

This is a very interesting article about the challenges surrounding small business procurement in Maryland. SMB's are still not getting their fair share of procurement opportunities, and when they get them, financing can be difficult. Let us at Ampley Heartstone Capital help you get the mobilization funding you need to perform on these contracts. https://lnkd.in/gDZkaSGK

Why Commercial Borrowers Shouldn’t Wait To Get Approved For Funding Lenders have a finite amount of resources and capital to deploy. When we as brokers engage lenders, they want to begin the underwriting process to determine when the capital and personnel they have is worth the value of the loan. When you delay in the document process or the decision-making process, those lenders move on to the next deal. Lenders are also in the business of allocating risk. When someone in your industry secures a loan from a lender, that means the lender is less likely to approve a loan for YOU, because they are going to spread their risk. By the time you may be ready for a loan, that loan may have gone to someone else. Finally, we are in the midst of the largest reindustrialization in American history. This requires an enormous amount of capital. Europe and China are facing serious demographic decline. Companies are 'reshoring" their operations. Baby boomers are retiring – and taking their money with them. These factors mean that the cost of money is going to increase. The Federal Reserve is determined to tame inflation, and the cost of money is a casualty. The era of free money is over. The sooner to get qualified, the sooner you can deploy funds at reasonable rates and grow your business.