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Author Archives: thebopster

No Doc Stated Income Business Loans

Our Stated Income, Stated Income Commercial Loans Can Provide You With Funding For Your Business Of $50,000 To $250,000 (Startups – $150,000 Max) Based Primarily On Your Personal Credit Scores (700 and Up). These loans are incredibly simple to apply for unlike traditional ABL loans

No Collateral Needed.

No Income Verification (Stated Income)

No Up Front Fees

0% Interest For 6 Months (Possibly Longer)

Perfect for House Flipping

Your Line Of Credit Won’t Report On Your Personal Credit

How To Apply For One Of Our No Doc Stated Income Business Loans

Submit A Simple Application And Your Credit Report (You Pull)

Receive A Decision In One Business Day

Receive Up To $250,000 Line Of Credit In 7-10 Business Days

No Restrictions On Use Like Many Lines Of Credit

Amount Varies Based On Your Credit History And Business Type

Startups Must Have An EIN, Existing Business Need To Be 2 Yrs.+


Apply at the link below or call 877-655-5625, Ask for Ron
Apply for a No Doc Business Loan Now


Employee vs Entrepreneur

When did being an employee become so risky?

We have all heard or had nightmares about starting businesses. We are afraid we will never make money, afraid we won’t find enough customers, and afraid we don’t live in the right location for optimal growth for our business.

There are all these risks and many more, too.

There is a well-kept secret that needs to become well known.

Realistically many of us who have been laid off from decent jobs may never find another one.

And age discrimination is rampant and no one moves to fix the problem.

No former employee or worker, regardless of education and training, is likely to find a remotely similar job in their lifetime. Walmart, here we come. $11.00 an hour is better than nothing.

And if workers, regardless of education are approaching 40, the odds get WAY worse. It’s the new 50. You are officially an old poop who is incapable of learning something new so you deserve to be kicked to the curb.

So you start a job search anyway. You watch your savings, 401K and other assets slowly (or quickly) dwindle away or do something radical.

Many of us really have no other viable option except to start some sort of business. It’s really hard to do if you don’t have much money, but the truth that government types don’t wish to acknowledge is that those of us who lose a job, most any job, are unlikely to find another comparable job…ever.

It is bad news.

Or it could be good news that could be life altering.

I felt secure because I had great education, just the kind companies say they want…accounting major, math minor, stellar analytical skills. Wrong.

As a family we experienced this. It left us panic stricken and desperate, just as it would anyone else. We had people depending on us, but the old (and dishonest and abusive) employer had a buddy that got one job and another wanted to improve their stock price through layoffs of personnel and also didn’t want to have to fund my retirement, though it was years away.

Nothing personal. It’s to benefit stockholders, you know.

It’s especially galling because doing great things for our employers did not make ANY difference. Imagine getting a stellar performance review and then a pink slip. It happens all the time and to lots of people. It’s not unusual at all.

And why would anyone believe they mattered to their employers.

It MADE me…forced us…to see what was real.

Being an employee is a VERY RISKY thing.

It was a vivid lesson in our perception of what reality is.

It forced us to see self-employment as the much better option.

Learning to face the reality that we had been living in a dream world that our jobs were in any way secure was a wakeup call that freed us from that misty, beautiful dream world and washed us in a cold shower of reality.

A former boss said something that has stuck in my mind forever.

About our mutual employer he said, with no hint of sarcasm, “On payday we’re even.”

But what if you are in debt up to your neck?

If you get fired or laid off, you are also bankrupt within the too low limits of your savings…if you have any.

So we stopped with working for someone else and started some businesses.

We ruthlessly dumped our big suburban house, found a cheaper one somewhere else and started businesses that went across the spectrum from retail, to writing romances, to brokering loans, to factoring, finance and investments and others.

Is it easy?


Would we go back to working for someone else?


It’s a big win that we live in a ski resort year round and we are enjoying a comfortable life in spite of the odds. Our home is cozy, if not large. We will never entrust our future well-being to an employer again. We passionately avoid debt.

It’s our personal wish to see a time when big companies will have to struggle to find employees that would willingly work for them, that they would be considered as risky as they really are.

It might FINALLY make that old chestnut true that, “Our employees are our greatest asset.”

Yeah? We’ll take it under advisement and continue to live realistically as entrepreneurs.


ACH Loans aka Hard Money Business Loans

ACH Loans, Hard Money Business Loans

An ACH loan can cover a lot of loan scenarios, including merchant cash advance loans, small business loans for bad credit (although some but not all business cash advance loans require decent credit), hard money business loans, and business cash advance loans but the core of nearly all ACH loans or merchant loans is the cash flow of the business as these business cash advance loans need for the business’s cash flow to be able to comfortably cover the payback of the loan. Fortunately, our ACH or merchant loans program cover the gamut. These include very quick closing business cash advance loans and real estate backed small business loans with bad credit and all points in between. Our real estate secured business loans can be in first position, second position or even third position if there is sufficient equity in the property. There are very few programs out there for commercial second mortgages and especially commercial third mortgages. Securing business cash advance loans or merchant loans with real estate lowers the rate and makes cash advance loans direct lender with bad credit on the owner very possible. The additional security allows us to provide business loans for poor credit business owners, an all too common situation nowadays.

Call Us Today at 1-828-689-4683 or 1-877-655-5625

Merchant Cash Advance Loans

ACH LoansSo let’s talk about business cash advance or merchant cash advance loans in general. The beauty of these what some would call hard money business loans (although not always so) is there are so many ways to fund a business’s short term cash needs, it allows us to provide hard money business loans to most businesses that apply. These short term business advance loans also allow us to structure the loan’s payback to fit the business’s cash flow whether it be daily, weekly, or monthly.

So why would a business need business cash advance aka ACH loans in the first place. It all surrounds cash flow, particularly for growing businesses, Also, small business or merchant cash advance loans may be the only business loan that the business qualifies for, particularly if the business has no accounts receivable to pledge for a more traditional ABL loan. ABL or asset based loans are typically based on the aged accounts receivables (the funding percentage drops as the accounts receivables age due to the higher perceived risk by a lender). These ABL loans are also known as an ABL facility or asset based line of credit but many small businesses don’t fit these type programs. This is particularly true for small businesses with bad credit. Business loans for bad credit only fit programs such as merchant loans as they are based on cash generated by the business making credit of the business or borrower of minimal importance.

Call Us Today at 1-828-689-4683 or 1-877-655-5625

Merchant Loans

Merchant Loans

Let’s talk about cash flow, the life blood of a business. Sadly, there have been many businesses that went bankrupt, including some large businesses that were profitable but just got caught without sufficient cash to pay the normal monthly bills. These usually occur from a business letting its inventory and/or accounts receivables get out of control. This can also happen in businesses that are growing rapidly. Their cash inflow just can’t keep pace with their expenses and working capital (accounts receivables and inventory). That’s where working capital loans, including business cash advance loans come into play. These asset and cash flow based loans bridge the gap until a business stabilizes its cash flow from growth or from lack of good working capital management. They sort of stretch out the negative cash flow issues until the business gets stabilized, much like a seriously ill patient in an emergency room. To carry this analogy a bit further, some patients that come to the ‘financial emergency room’ if you will can take a simple pill like an ABL or working capital loan and go home.  Others like a business with poor credit need a small business loan for bad credit, including merchant cash advance or business cash advance loan to stabilize a business (patient) until it can ‘go home’.

Business Cash Advance Loans

That’s the beauty of our ACH or business cash advance loans. We can provide a business with funding based on its needs not some hard and fast loan program that turns businesses down more than provides them with the critical funding needed to be successful,even restaurant or high risk business loans. We also have some great commercial real estate bridge loans if your short term (6 months to 3 years) business funding needs are for real estate as well as restaurant business loans that can help your restaurant grow and prosper.


Managing Working Capital

Keys to Managing A Businesses Working Capital

For businesses small and large, managing working capital, primarily accounts receivable and inventory is critical for a business to be successful in managing its cash flow. Managing these working capital components can be both time consuming and frustrating. It can be very helpful if you factor your accounts receivable or secure an ABL facility. Factoring is basically selling your accounts receivable as they are generated essentially turning your sales on credit into cash sales. There is a discount, which if you have razor thin margins can be a bit pricey, otherwise factoring can be a life saver. This is particularly so if your customers don’t always pay you on time. An ABL credit facility can also be very helpful. ABL facilities essentially are a line of credit based on your accounts receivables and inventory, excluding work in progress. This also gets you cash much quicker than waiting on 1) Customers to pay you and 2) Converting your inventory into receivables through the sale of goods and services.

Many business that are technically profitable, even very profitable have gone out of business. How, you may be asking. Simply by not managing cash flow. What this results in is not having the cash to pay bills when they come due. Not having cash can snowball on a business and kill it. That’s why managing working capital is so critical. Staying on top of your accounts receivables and inventory will help minimize the problems a business encounters with its cash flow. As a business grows, hiring a full time employee or employees to do these tasks becomes a necessity versus a luxury. A business can also use a contractor who specializes in managing these assets, particularly accounts receivables. The only downside to contracting out the management of your accounts receivables is the fact that your contractor is in contact with your customers, the life blood of your business, so choose them carefully. Even then you want to monitor how they relate to your customers. Contracting out inventory management is much less risky and there are some very good logistics (the primary component of inventory management) companies. Many fortune 500  companies use logistics services companies to manage their inventory and most importantly, its movement. For you or a logistics services provider to manage inventory, you need good internal inventory management software. Most inventory depends heavily on sales forecasts so as the old adage says, ‘garbage in, garbage out’. So be sure your sales forecasters whether they be an administrative function or your sales force provides realistic sales forecasts.

So the bottom line is this. Make working capital management a high priority for your business, whether you have a new startup business or a business that’s been around a while but struggles with cash flow management. Utilize an ABL loan, factoring or whatever outsource management services you need to insure this is Taken care of. Your business will thank you with less management stress and more profits and cash in the bank. Good luck.


What is Factoring

 What is Factoring (Accounts Receivable Finance)?


It is basically a transaction where a business sells its accounts receivable or invoices to a third party commercial company which is known as a factor. Factoring is done so that business can receive cash in a quicker time. It is also called accounts receivable financing which is similar to but different from an ABL loan. The benefit of factoring is that instead of waiting one or two months for the payment of a customer, you now have that much cash to control and lead your business effectively.

How does factoring take place?

  • Provide a service to your customer.
  • You send your invoice to a factoring company.
  • You receive the cash in advance on your invoice from the factoring company.
  • The company collects full payment from the customer.
  • The company then pays you the rest of your invoice amount minus a particular sum.


Benefits of factoring

  • It has no limit to the amount of financing.
  • Factoring is beneficial for start-up businesses that need cash immediately.
  • The financing does not show up as debt.
  • It can be customized so that it provides the required amount of money when the company is in need.
  • It is based on the customer’s credit quality.

Origin of factoring

The origin lies in overseas trade among nations. It started as a business in England first and then proceeded to America with the pilgrims in 1620. Factoring has evolved over years. It started in the United States for companies to get more cash as many companies faced difficulties getting a secured loan from the bank.

Who all does this factoring?

Companies of all sizes use factoring to increase their cash flow. Factoring is done by all industries like manufacturing and distribution, trucking, transportation, textiles, staffing agencies and oil and gas. Companies use this cash produced from factoring to buy new equipments, hire employees, pay for inventory and expand operations. It allows a company to take quick decisions and expand at a faster rate.

Banks have strict requirements in order to obtain a conventional loan. It may take a long time to take the decision as it depends on the business owner’s credit scores. Factoring helps you buy your eligible invoices at a discount and pay you the maximum of the total amount within hours of verification.

In invoice factoring there is no debt to repay and there is unlimited funding potential. It also has a faster rate of approval that is within 3 to 5 days. The approval is based on the credit strength of the client. Business startups are allowed factoring

On the other hand in bank loans the principal and interest is repaid over time and the funding potential is capped by banks. The approval may take a long time and based on company’s credit history. It is very tough for business startups to get a loan.


The terms of factoring vary from industries and financial service providers. Most factoring companies will purchase your invoices and will provide you money within 24 hours. The factor provides you back office support.



Managing Accounts Receivables and Inventory is Critical to Success

Being successful in business requires a business person to ‘wear many hats’. Among the most important tasks in managing an ongoing business is managing working capital, primarily accounts receivables and inventory for businesses that have these items on your balance sheet. One of the most beneficial tools to efficiently manage these assets is through the used of a working capital line of credit aka a working capital loan. That’s where we come in. We have some great ABL loans to help. For more on managing these assets with or without a line of credit check out the accounts receivables and inventory articles on the site. You can also call us at 1-877-655-5625 or my direct number at 1-828-689-4683. By Ron Stone, President, U.S. Funding Solutions, Inc.


Contact Information

Ron Stone


U.S. Funding Solutions, Inc.

828-689-4683 (Direct)


877-208-5255 (Fax)