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Interested in learning more about how capital access loans can benefit The Bronx? Check out Ruvi Lopez’s article about it for Bronx Times!

As a loan broker specializing in connecting business owners and real estate investors with the funding they need, we are committed to supporting the backbone of America - small businesses. We believe in empowering entrepreneurs with the knowledge and resources to thrive in today's competitive market. We do not aim for America to be great simply because we call it home, but rather because we are dedicated to fostering an environment where small businesses can flourish. Small businesses play a vital role in the economy, driving innovation, creating jobs, and enriching local communities. By educating and assisting as many business owners as possible, we strive to contribute to their success and, in turn, the prosperity of the nation. Understanding the intricacies of business finance is essential for any entrepreneur looking to grow and expand. Money is the lifeblood of a business, and knowing how to manage it effectively can make the difference between success and failure. By guiding business owners through the process of securing funding, we aim to demystify the world of business finance and empower them to make informed decisions for their ventures. Preparation is key when it comes to securing funding for your business or real estate investments. The best time to learn about your financing options is before you actually need the money. By being proactive and staying informed about different funding sources and strategies, you can position yourself for success both now and in the future. We are here to help you navigate the complex world of business finance and find the best way to fund your projects. Whether you are a seasoned entrepreneur or just starting out, understanding the funding landscape is crucial for sustainable growth. Together, we can explore the various avenues available to fund your business or investment ventures, from traditional loans to alternative financing options. So, if you are wondering when is the right time to start learning about business funding, the answer is now. Investing in your knowledge and understanding of business finance will pay dividends in the long run. By being proactive and informed, you can set yourself up for success and ensure that your business has the financial resources it needs to thrive. Let's work together to unlock the funding opportunities that will propel your business forward. Whether you are looking to expand your operations, invest in new assets, or launch a new venture, We are here to support you every step of the way. Because when small businesses succeed, America thrives.?Sign up for one of our Business Money workshops or Book a Call.?www.tdjequityllc.net

401(k) Business Financing for Small Business Owners: Invest in Your Dream https://lnkd.in/gMmJ4-Qg Many small business owners face challenges obtaining conventional financing due to strict lending criteria. 401(k) business financing provides an option for entrepreneurs to utilize their retirement funds for starting or expanding a business without incurring early withdrawal penalties. This overview examines the details of using retirement savings for business purposes, covering the advantages, potential drawbacks, and legal aspects. This information helps determine if this financing approach suits your needs. Key Takeaways of 401k Business Financing for Small Business Owners - 401(k) business financing allows owners to use retirement funds without early withdrawal penalties to start or grow a business. - The process involves setting up a C Corporation, creating a new 401(k) plan, and using at least $50,000 in retirement savings to buy company stock. - Benefits include no collateral requirements and potential for continued retirement fund growth, but risks include depleting savings and double taxation in C Corps. - Alternatives like traditional loans, angel investors, and venture capital should be considered before using retirement funds. - Proper legal compliance and IRS guidelines are crucial to avoid penalties and tax issues when using this financing method. Struggling with Cash Flow? Get the Funding You Need to Grow Your Small Business Now! Running a small business is tough, and financial challenges shouldn't hold you back. Imagine having the cash flow to expand, upgrade your equipment, or simply breathe easier knowing your finances are secure. Stop letting finances limit your potential. Take control today. Apply Now! https://lnkd.in/gaM8Fz_x #SmallBusiness #SmallBusinesses #SmallBusinessOwners #BusinessLoans #Financing #MerchantCashAdvance #Lending #WorkingCapital #Credit #Funding

Raising capital for small businesses can be challenging due to several key factors. Here are some of the most common challenges faced by entrepreneurs: 1. Limited Access to Credit Small businesses often struggle to access traditional financing options like bank loans. Lenders tend to view small businesses as high-risk due to limited financial history, lack of collateral, or inconsistent cash flow, making it difficult to secure loans with favorable terms. 2. High Interest Rates When small businesses do qualify for loans, they are often subject to higher interest rates. These rates can significantly increase the cost of borrowing and make it harder to maintain profitability, especially for businesses with thin margins. 3. Insufficient Financial Records Many small businesses lack detailed financial documentation, such as balance sheets, profit and loss statements, or cash flow forecasts. Without clear financial records, potential investors or lenders may be reluctant to provide funding, as they can’t assess the business’s financial health accurately. 4. Lack of Collateral Collateral is often required to secure a loan, but small businesses may not have valuable assets to offer. This can disqualify them from obtaining loans or other forms of debt financing, leaving them with fewer options for raising capital. 5. Limited Network and Connections Many small business owners don’t have access to a strong network of investors or financial institutions. This lack of connections can make it harder to tap into venture capital, angel investors, or other funding sources that rely heavily on relationships and trust. 6. Investor Skepticism Investors often prefer to fund established companies with proven track records. Small businesses, especially startups, may face skepticism due to the risk involved and lack of proven success. This can make it difficult to attract investors who are willing to take a chance on a new venture.

Small business owners often face significant funding challenges, and it’s not always easy to navigate the maze of financing options. Many entrepreneurs report struggling with insufficient cash for down payments, lack of funding knowledge, low credit scores, and rejection from bank loans. ?? Here are a few practical tips to tackle these common issues: 1. Explore ROBS: If cash for a down payment is holding you back, consider Rollovers for Business Start-ups (ROBS). This allows you to access your retirement funds without taxes or penalties to kickstart your business. 2. Understand Your Options: Take the time to research different funding methods, including self-funding, equity financing, and unsecured loans. Knowledge is power! ?? 3. Improve Your Credit: If your credit score is an issue, look into ways to boost it, which can unlock more financing opportunities. You don’t have to be stuck! 4. Don’t Hesitate to Seek Help: If you’re unsure about your loan application, consider working with a loan packager. They can help ensure your application shines. ? By addressing these challenges head-on, you pave the way for a smoother funding process and a better chance at business success. What tips do you have for overcoming funding hurdles? Share your experiences in the comments! #SmallBusiness #FundingChallenges #Entrepreneurship #BusinessTips #Financing https://lnkd.in/gv2Exf8

Minority entrepreneurs often face unique financial challenges that can hinder the growth of their businesses. That's why we've put together 4 tips to help diverse business owners access capital and thrive.?? From tapping into SBA loan programs to specialized development programs and microloans, there are resources available to help you succeed.

? ???????? ?????????????? ?????? ???????? ????????????????? ?? ?????????? ?????? ?????? ?????????????? ?????????????????? ????????????! A new tool designed to assist local entrepreneurs and small businesses seeking funding has been launched on the Volusia Business Resources (VBR) website called the Funding Readiness Center (FRC). Created in response to the current funding needs of the business community and developed through collaboration with affiliated partners of VBR and local commercial lenders, the FRC aims to simplify the often-complex process of navigating commercial funding options and loan approval procedures. A key component of the FRC is the Readiness Checkup, a self-evaluation tool that allows users to assess their preparedness for the funding application process, highlighting areas needing improvement and offering video tips to enhance readiness. Additionally, the FRC helps users identify the most suitable funding options for their business. For more information, contact Volusia County Economic Development Business Manager Brad Harris at (386) 248-8048 or email [email protected]. Check out the VBR Funding Readiness Center: https://lnkd.in/etYFySX5 Explore the revamped Volusia Business Resources website: https://lnkd.in/dxjb5-h #fundingresource #fundingreadiness #volusiabusinessresources

To receive business funding and personal funding, follow these steps: 1. Business Funding: - Research and Planning: Conduct thorough research on funding options suitable for your business, such as loans, grants, investors, or crowdfunding. - Business Structuring: Ensure your business is properly structured with necessary legal documents like LLC formation or incorporation. - Build Business Credit: Establish a separate business credit profile by opening accounts in your business's name and making timely payments. - Prepare a Business Plan: Create a comprehensive business plan outlining your goals, financial projections, and how you intend to use the funding. - Apply for Funding: Approach lenders, investors, or apply for grants based on eligibility and your business needs. Be prepared to provide detailed financial records and business documents. 2. Personal Funding: - Assess Your Financial Situation: Understand your current financial status, including income, expenses, and credit score. - Personal Budgeting: Manage your personal finances effectively by creating and sticking to a budget that allows for savings and investment. - Improve Personal Credit: If needed, work on improving your personal credit score by paying bills on time, reducing debt, and monitoring your credit report for errors. - Explore Funding Options: Consider personal loans, credit cards, or alternative financing options based on your creditworthiness and financial goals. - Apply Wisely: Apply for personal funding options that align with your financial situation and borrowing needs. Compare terms, interest rates, and repayment schedules before committing. By following these steps and ensuring both your business and personal finances are in order, you can increase your chances of securing funding for your endeavors effectively! DM the word “LAWS” now for a special offer on our Smart Credit Moves Mentorship! ?? #BusinessFunding #Onlinebusiness #NewBusinessOwner #FinancialFreedom #BusinessCredit #FundingYourFuture #CreditScore #CreditBuilding #CreditRepair #CreditEducation #FixMyCredit #CreditHelp #ConsumerRights #FairDebtCollection

#WhatWeLearned The Three Key Types of Non-Dilutive Capital Every Entrepreneur Should Know During this week’s Midday Connect session, Ryan Ridgway highlighted three key types of non-dilutive capital that can be used to fuel business growth. As an entrepreneur, understanding these options can help you make smarter financial decisions and grow without giving up ownership. Here are the three types Ryan shared: ? Revenue or Cash Flow-Based Financing This type of financing looks at your company’s revenue growth and trends. Lenders focus on how fast your business is growing and whether your revenue stream is stable enough to support a loan. This financing is perfect for businesses that generate steady income and are looking to reinvest in growth activities. If your revenue is consistent, you may qualify for a loan based on your earnings, helping you scale faster without diluting your ownership. ? Asset-Based Lending ?? This is a more traditional form of financing where loans are secured by your company’s assets, such as inventory, accounts receivable, or real estate. If your business has valuable assets, this type of lending allows you to use them to secure funding. Asset-based lending is especially helpful if your business doesn't meet the typical criteria for a bank loan. ? Venture Debt and Growth Debt ?? For businesses that have already raised equity, venture debt or growth debt offers an alternative to raising more equity. Lenders in this space evaluate your company’s valuation, recent equity raises, and cash reserves. This type of debt is ideal for businesses that have equity backing but need additional capital to continue growing without further diluting ownership. ??Pro Tip: Identify which of these non-dilutive capital options is the best fit for your business. If you have stable revenue, consider revenue-based financing. If you have valuable assets, explore asset-based lending. For those with existing equity, venture debt might be the right solution. Tomorrow, we’ll dive into how to prepare your business to attract the right credit investors! Watch the full session here: https://lnkd.in/gTynqZ3q #MiddayConnect #NonDilutiveFunding #BusinessCredit #FundraisingTips