We have decided to make our services available to more small business owners by offering it to you in easy to understand reports. Our first report was created and is now available to you. It is called "Unveiling the Secrets of the Underwriters" and you can get it immediately. "Money doesn't come with instructions." - Anonymous. That is why we want to remove your pain and the headache of obtaining unsecured business lines of credit. We have a report that will guide you through the daunting task. We also want to remove the burden of you paying unnecessary high commission fees and receiving unwanted credit bureau checks. We have helped over $12,000,000 to get approved over the last two years and this tool has been a vital part to our success. Dear Small Business Owner, I am embarrassed to say that after founding our company a few years ago I allowed my mission to get off track. We have had to circle the wagons and refocus. We originally founded the company to make a impact on the US economy by helping as many small business owners as possible to be successful. We compared it to the same mindset as George Bailey's in "Its a Wonderful Life". During the holiday season of 2007 I was hit with with an idea to improve our reach to small business owners. It hit me like a brick and I can still feel the welt! We had to figure out a way to get our information in front of the eyes of as many small business owners as possible. We had to provide a source of information that the business owner could use. With a little effort a small business owner can get the same results, that we have, with our very successful complete program. It is way to keep the cost down and affordable to any situation. We learned that those who do not know where to go were opting to go to the competitors who are getting them into thousands of dollars of debt as soon as they get approved for a line of credit. This is whether they use the line of credit or not! They even have them going against FDIC guidelines by charging these commission fees and telling them to lie to the lenders. That is why we created our simple reports to allow you to do it yourself. ENOUGH IS ENOUGH! It is time for you to be empowered to get the financing yourself. We have helped others secure over $12,000,000 funded in the past two years. Why can't it be your turn? Money doesn't come with instructions. However, with our report you get the instructions that you need to get your money! WHY IS AN UNSECURED LINE OF CREDIT IS THE IDEAL WAY FOR YOUR BUSINESS TO GROW? Interest Only Payments In most cases. No Collateral Required Line of credit is unsecured Low Interest Rates Lower than a credit card, range start at PRIME + 1% Flexible More flexibility than a loan. UNSECURED LINE OF CREDIT IS THE PERFECT SOLUTION With a sensible interest rate and the flexibility to access the money you need – when you need it – an Unsecured Business Line of Credit is the perfect resource for handling routine and unexpected expenses. Plus, upon approval, an Unsecured Business Line of Credit makes it easy for you to borrow, as often as you want, without high rates and hefty fees ... and you can use it in addition to whatever current financing you may have in place. IT IS AS FLEXIBLE AS A CREDIT CARD, GET THE CASH THE DAY YOU WANT IT It's a challenge every business owner faces ... the need for extra cash right now. Fortunately, an Unsecured Business Line of Credit provides instant access to funds with your checks at a rate of interest far lower than with most credit cards – all on the same day you want it. IT IS NOT LIKE A LOAN, BORROW AS OFTEN AS YOU WANT If you are like most small businesses, you need a convenient way to access large amounts of money. Unfortunately, a loan restricts when and how you can access funds, and many credit cards charge fees and access penalties. APPLY TO BORROW AS MUCH AS YOU NEED You could qualify for Unsecured Business Lines of Credit totaling over $350,000. But, unlike a loan, you do not have to borrow it until you decide you need it. And, unlike most credit cards, you will not pay balance transfer or cash advance fees. What's more, with an Unsecured Business Line of Credit, you can borrow as often as you like up to the limit of you Line. WHO IS ELIGIBLE? Self Employed (1099), Sole Proprietors, Partnerships, LLCs and Corporations are eligible for these programs. STATED UNSECURED LINE OF CREDIT PROGRAM Highlights 1. No income documentation required. No P&L, statements or collateral 2. Maximum loan amount per line of credit varies between $50K and $100K 3. Loan amount is restricted to percentage of stated gross sales. Some lenders also restrict to percentage of stated annual income. 4. More than one lender offers this program, so total combined loan amounts can exceed $300K 5. Line of credit is unsecured, and personally guaranteed 6. Interest rates are credit score driven and range from PRIME + 1% to PRIME + 4% in most cases 7. Interest only payments in most cases 8. 1 year renewable loan term and renewable if borrower is in good standing with the lending institution, in most cases 9. Closes in 5 to 10 business days in most cases 10. Lender charges additional annual fees ranging from $100 to $250 Requirements 1. FICO score of 660 or better is required to qualify 2. Applicant must be in business for at least two years (some flexibility with business history) 3. Sole proprietors (1099 employees) are eligible for this program 4. Lender will consider the amount of personal consumer debt for approval 5. Simple two page application is all that we require. All fields on the application form are required to be completed. Individual lenders may need other documentation for proof of ownership. 6. Legal formation documents (Articles of Incorporation, etc.) LOW DOC UNSECURED LINE OF CREDIT PROGRAM Highlights 1. No need to pull your own tax returns (lender will do it for you), P&L, statements or collateral. 2. Maximum loan amount per line of credit varies between $50K and $100K 3. Loan amount is restricted to percentage of stated gross sales. Some lenders also restrict to percentage of stated annual income. 4. More than one lender offers this program, so total combined loan amounts can exceed $300K 5. Line of credit is unsecured, and personally guaranteed 6. Interest rates are credit score driven and range from PRIME + 1% to PRIME + 4% in most cases 7. Interest only payments in some cases 8. 1 year renewable loan term and renewable if borrower is in good standing with the lending institution, in most cases 9. Closes in 10 business days in most cases 10. Lender charges additional annual fees ranging from $100 to $250 Requirements 1. FICO score of 660 or better is required to qualify 2. Applicant must be in business for at least two years (some flexibility with business history) 3. Sole proprietors (1099 employees) are eligible for this program 4. Lender will consider the amount of personal consumer debt for approval 5. Simple two page application is all we require. All fields on the application form are required to be completed. Individual lenders may need other documentation for proof of ownership. 6. Legal formation documents (Articles of Incorporation, etc.) FULLY DOCUMENTED LINE OF CREDIT PROGRAM Highlights 1. Income documentation required (see below) 2. Loan amount is restricted to percentage of gross sales and can not exceed $200K 3. More than one lender offers this program, so total combined loan amounts can exceed $450K 4. Line of credit is unsecured, and personally guaranteed 5. Interest rates are credit score driven and range from PRIME + 1% to PRIME + 4% in most cases 6. Some loans are 7 year term loan with interest only payments for first three years, then amortizes over the following four years. 7. Closes in 30 days in most cases. 8. Some lenders have a 1% SBA fee for this loan and an annual $250 fee Requirements 1. FICO score of 640 or better. A higher loan amount is available for 680 or better 2. Applicant must be in business for at least one year (two years to get over $100,000) 3. Sole proprietors (1099) employees) are eligible for this program 4. Lender will consider the amount of personal consumer debt for approval Required Documents 1. Credit application filled out completely 2. Last 2 years business income tax returns 3. last 2 years personal income tax returns for all guarantors (anyone with 20% or more ownership) 4. Legal formation documents (Articles on Incorporation, etc.) 5. 3 months of bank statements for the business 6. Year to date financial statements for the business We have broken down our program into a series of reports so that you can learn and process your own line of credit applications. The first report, Report 1 - Unveiling the "Secrets of the Underwriters", gives you a solid foothold on the process. This first report breaks down the information required for an underwriter to process a "stated" program for an unsecured business line of credit. How important is DTI? So you might ask yourself what is DTI (debt to income ratio)? Why do the lenders make a big issue of it? Debt to income ration is the relationship of your monthly expenses that is indicated on your personal credit report and the personal income that is declared. Lenders use a certain percentage of this ratio to determine approvals during underwriting guidelines. What about revolving debt? Do you know your revolving debt balance percentage is of the limits? Lenders will look at the revolving credit balances in relation to the revolving credit limits. There is a certain percentage that this needs to be under. Just look at the table of contents for the Secrets of the Underwriters program: REPORT INCLUDES (here are a few sections) INTRODUCTION Introduction to our program and additional services. TYPES OF SMALL BUSINESS FINANCING Indicates general options that small business owners have for financing. BUSINESS LINES OF CREDIT Brief explanation of secured and unsecured options. TYPES OF UNSECURED BUSINESS LINE OF CREDIT Describes the three option types of unsecured lines of credit. WHAT IS A STATED PROGRAM? The stated programs do not require taxes to apply for the line of credit nor do they require signing a 4506 or a 4506T before the line of credit is available for access. WHAT ARE THE BENEFITS? Explains the benefits of stated unsecured business line of credit programs. REQUIRED INFORMATION FOR STATED PROGRAMS Break down of information required by most lenders. UNDERWRITER "SECRET" CALCULATIONS FOR STATED PROGRAMS Includes the items that we have found to be the "secret" in the sauce, so to speak, for getting the applications for the stated unsecured business lines of credit approved. We have compiled years of historical data data from the lines of credit we have processed. WHAT IS A STREAMLINED PROGRAM? The streamlined programs do not require taxes to apply for the line of credit but they do require signing a 4506 or a 4506T before the line of credit is available for access. Very commonly mistaken or misrepresented as "stated" programs. The 4506T is a document that gives the lender authority to access tax transactions or tax records any time they want. WHAT ARE THE BENEFITS? Explains the benefits of streamlined unsecured business line of credit programs. REQUIRED INFORMATION FOR STREAMLINED PROGRAMS Break down of information required by most lenders. WHAT IS A FULLY DOCUMENTED PROGRAM? The fully documented programs do require taxes to apply for the line of credit. They typically require two years of both personal and business taxes, current P&L, and year to date financial statement for both personal and business entities, and three months of most recent business bank statements. WHAT ARE THE BENEFITS? Explains the benefits of fully documented unsecured business line of credit programs. REQUIRED INFORMATION FOR FULLY DOCUMENTED PROGRAMS Break down of information required by most lenders. OTHER REQUIRED RECORDS Discusses the govevernment records that the lender will verify. OTHER UNDERWRITING GUIDELINES Discusses issues like personal credit score and revolving debt. We feel so strongly about the importance of this information that we have had a copyright placed on it by the Library of Congress. This report is for the consumer use only and not available for brokers or consultants. Use of this information by third parties for consumers could result in misrepresentation to the consumer and be considered fraud by the lender. To keep the cost low, we could not include all of our information in this report, but it does contain the basic items and discloses some of the calculations that the underwriters use to determine approvals. If you're serious about your Unsecured Business Line of Credit, you will get this report right now and read it today. WHY USE AQUILA BUSINESS SERVICES AND NOT ONE OF OUR COMPETITORS? Here are 6 quick reasons to use us: Our main objective is to help the US economy by educating small businesses, not just make money for ourselves. Our goal is to train you and help you learn how to get the financing that your business needs. We keep our fees low so we are affordable to every business. We are cost effective for you. Our costs can be as low as $17 versus the competitors 15% of you financed money. We pass on to you the direct cost of outside services that we are required to pay, such as the credit report and rapid rescore (credit report should only cost around $24.00 and a rapid rescore only $120.00). We work directly with the client. This way we do not pay out referral fees to other consultants since it raises the cost to the client. We are honest. Some of our competitors tell you to not tell the lender that you are using them and paying them a fee out of your financing. That is a lie and if the lender found out the bank officer would probably get fired and your line of credit would be called due. We teach you how to do it yourself. Your are in control of the process, we educate you so you do not have to come back to us. We respect your privacy. We do not provide your personal information to anyone. You are the one who supplies the information to the lender. There any no other parties involved, it is just you, us and the lender. We know the lenders directly and know the products. Our competitors tell the clients that the programs are STATED when in fact they are not! Some of our competition are filling out the forms for the borrowers and the borrowers end up signing a 4506T at closing (legal document for the lender to pull taxes) and puts the client in fear of being charged for fraud. We care about your credit score. We will not pull credit unless you ask us to. With our knowledge and communication with the lenders on a regular basis we will not have you submit to a lender that does not provide funding in your state. Most of our competitors blindly send out your application to lenders hoping they can get financing without the knowledge that the lender does not work in your state, thus having your credit checked in error. Do you want to know what it will cost you to get this incredible resource and guide to obtaining unsecured business lines of credit, information that will help you get the financing that you need? $7. Yes, for the price of a dinner for you and a coworker you will have all this tool that will help you speed up the application process. Why $7? I'm only charging $7 for this tool, and not giving this report away, for 2 reasons. $7 puts the report within reach of the vast majority of people. It's not too expensive for even the humblest small business owner.   We hope that our competition are to cheap to pay for this tool so we can keep it out of their hands.   So if you're serious about saving time, click the "Buy Now" button below. If you need to justify the expense, skip going to Starbuck's one day this week and it's paid for. WOW! This is a lot of information packed in for only $7. Take a minute and order today to get access to the cash you need now. Get Your Copy Now For Only $7 Secure Payments Made Through PayPal This is a virtual product and no refunds are offered. MONEY DOES NOT COME WITH INSTRUCTIONS. UNTIL NOW! We are announcing our new program to educate and allow small business owners access to the information required to get unsecured business lines of credit on their own. We have broken down our program into easy understand, follow, and implement reports. These reports are step by step and we are constantly updating and upgrading the information. The reports are also provided in order of importance. DIY Unsecured Business Line of Credit Reports and Programs DIY Business Line of Credit Supportive Information and Excel Worksheet A group of reports that will save you time and money spent in search of government records and financial calculations. Guide to the Government Records Direct links to Secretary of State and UCC search websites of all states Listing of 2007 NAICS Codes Reference of NAICS codes to aid in completing the lender's application DIY Business Line of Credit Worksheet for Stated Programs Microsoft Excel file that helps you calculate your personal DTI and revolving debt ratios. Secrets of the Credit Industry Legal strategies that credit bureaus, creditors, and debt collectors do not want you to know! These reports are for you the borrower and not for brokers or consultants to resell it to you. WE ARE A CONSULTING SERVICE AND NOT A BROKER FOR UNSECURED BUSINESS LINES OF CREDIT OR TERM LOANS You will learn how to analyze your current financial situation and find the lender with the program you are looking for. You will learn how to improve your financial position and corporate structure to help you secure the financing that your company needs looking for unsecured business lines of credit and term loans. We DO NOT charge fees based on the amount of financing that you receive. We DO NOT receive any fees from the lender institutions. We DO NOT submit applications on your behalf. If you want us to help with the communication with the lender, we have a program available. We are probably your greatest cost effective option for this service. Some of our competitors are charging clients up to 15% of the total amount financed! That is outrageous and unfair to you! Questions? Comments? Need support? manager@YourLoanOffice.com YourLoanOffice.com - Certified Commercial Lending Experts 720-253-3854 © 2005, 2006, 2007, 2008, 2009 Aquila Business Services, LLC