Business and Personal Lines of Credit, Large Projects Funding, SBLC, POF, MTN, Bank Instruments, REO, Church Loans, Factoring, and other Alternative Funding Ideas 20091209

Business and Personal Lines of Credit, Building Business Lines – PAYDEX & Experian, Large Projects Funding, SBLC, POF, MTN, Bank Instruments, REO, Church Loans, Factoring, and other Alternative Funding Ideas

Praise God!  I thank God daily for each of you and the pleasure that it’s been to serve you in the Cash Flow business for 10+ years and for some of you for 33+ years in Insurance, Investments, Financial Services, Business Consulting, and Funding.

The Thanksgiving holiday leads to more than just making me stop in my tracks with a heart full of gratitude to serve you. It makes me realize I’ve also got to get serious about my new year business planning. It’s important to me that you know that I’m here for you. Plus, I’ve got to keep you abreast of the best and highest ways I can help you obtain funding.

We’re using a new email server called ARP. We’re trying to clean up the 4,882 contacts who have provided their email addresses to us in the past 10+ years that we’ve been in business. This seems to be working a lot better.I don’t want anyone upset with me.

Love and Kisses,


My friend and mentor Jim Rohn died Saturday, December 5th. Here’s a tribute:

We will be happy to address your question when you submit your question via the help desk:

Entrepreneurial ventures and small business have a survival rate of only 8%
by year 10.

Entrepreneurial ventures and small business have a survival rate of only 8% by year 10.

Source: SBA

Let us help you get funded:

The program that I use to reach my goals:

Start Fast Finish Strong: Maximum Achievement Breakthrough Results Use this hyperlink:

Thanks to everyone who clicked on the links from last weeks newsletter. Here are the results:

3,237 Clicks This Week on the hyperlinks in our newsletters. Thank you!

This is our page rankings with Thanks to each of you who are helping us move up in the rankings. We can sure use some help with sites linking in and with search engine optimization. If you have expertise in these areas and are willing to help please call or write. Thanks.

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Working Capital Fastl

About Working Capital Fastl ( Hard Money Loans, Stock Loans, Merchant Cash Advance, Business Consulting, Business Funding, Commercial Mortgages, SBLC, POF

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Not For The Faint of Heart

I have known Hector and Peter for 16 months. They are the best that I have found at funding business people who acquire active corporations that can be funded in three increments:

$500,000 cost $33,000 to their company: $5,000 to Cash Flow Specialists, Inc.

$1,500,000 cost $60,000 to their company: $15,000 to Cash Flow Specialists, Inc.

$2,000,000 cost $75,000 to their company: $20,000 to Cash Flow Specialists, Inc.

You must have a 735 min FICO score, be at least 27 years old, have a debt to high credit under 30%. The process takes 90 to 130 calendar days. They are very detailed. About three weeks into the process they will make a site visit. They will also meet with you at the close.

Business Credit Enhancement Services

If you need credit enhancement services Peter will build a PAYDEX score of 80 with three to four trade lines totalling $40,000 for $4,500. The process takes about 10 business days.

If you need credit enhancement services Peter will build a Experian score of 77  (low to moderate risk) with three to four trade lines totalling $40,000 for $4,500. The process takes about 45 to 60 business days.

In my experience Experian is more widely used West of the Mississippi. Banks will verify D&B-Paydex with Experian.

Once you sign the agreement and wire fees I will release the application to you.

Dale encouraged me to offer monthly access to the newsletters, only $10.00 a month. Take action and subscribe now:

To obtain Candid Commentary, our audio version which goes into much greater detail at just $47.00 a month visit

If you’re REALLY SERIOUS about getting funded you need to invest $97.00 a month in our Cash Flow Specialists, Inc. Joe Tufo/blog site. This website has over 1,500 pages of in depth information, case studies, tools, webinars, commentary, newsletters and much more.

This is an interchange between Rick H. and me Tuesday December 8, 2009:

I reread your post and looked at the code and realized that you were writing about trade lines.

Trade Lines require a lot of work. Staff needs to be paid.
Trade Lines don’t fund. They are a credit enhancement tool. It’s a multi-step process. First you generate the Paydex score and if you’re on the West Coast an Experian score and then you apply for business lines of credit. The process takes about 40 business days for Paydex with funding and 75 to 90 business days for Paydex, Experian, and Business Lines of Credit.
The investment for developing an 80 Paydex score is $4,500. Add another $4,500 for Experian if you are on the West Coast. Our fee for business lines is 1%, $2,500 minimum as a commitment fee (too many shoppers). Some funding sources have a modest processing fee of $225 to $375.
Alternative funding sources usually succeed in obtaining funding even in these tough times.

On Tue, Dec 8, 2009 at 8:34 AM, Joe Tufo <> wrote:


I’m unclear on what you are writing about. Can you be more specific? Thanks.
Submitted on 2009/12/06 at 2:36pm

To whom it may concern:

As they are able to fund within 10 days are they willing to take their fees on the backend from the credit lines they establish?

God bless and sincerely,

Rick Hxxxxxl

This came in Tuesday December 8th:

Hi Mr. Tufo,

I just wanted to thank you for your time. kindly provide me with more information for $400,000.


This is an interchange between me and Brian W a recent newsletter:

We have a new “small” Monster Corporation of $1,500,000. We have just six of these available to our clients each month.  This is NOT for everyone. For starters it will cost you $75,000 up front and 12% back end. The process takes 90 to 130 days. There are credit requirements that need to be honored.


I have a couple of questions,

1) Do I need to personally guarantee the credit?


2) the 12% on the back end, Is that a one time fee, and is it the same if I want the $2M LOC.  That can be paid from the LOC?

The fee is paid per funding, just as I’ve mentioned in the articles (and there have been several). You can find the articles at in the business line of credit area and in the newsletter area.

There will be about six banks on the $1.5m and nine at $2m. You are expected to pay the 12% within two business days of each funding, if you don’t pay the funding stops. Yes, you can pay from the LOC.

3) I assume the process is guaranteed, and you do an evaluation before you take any money to determine the feasibility.

The last two funded were both real estate investors who could not obtain funding for REO purchases. The first applied for $1.5m and received $1.2m and the second applied for $1.5m and received $2m.

I am a real estate investor, looking to to stop using HML and just have my own corporation to buy REO’s.  I am also looking into doing Bulk REO purchases direct from the bank where I need the capital to be able to purchase 20 homes at one time, I think that $2M would be enough.

We have access to bulk REO and I have written a lot about bulk REO purchases in the past two years. We have two sources for you as you learned in the newsletter.

My best to your and your family during this joyous holiday season.

Thank You,
Brian W.

“Most people fail in life because they major in minor things.
Success is simple, but it does require certain consistent things
each day.”
– Anthony Robbins

Let us help you get funded:

This came in from Sal:

Hi Mr. Tufo,

Thank you for the helpful information. I would like to know if i can be fuded $200,000. I have good credit and own a limousine business in New York. I have been in business for more than 2 years. Kindly give me sme details on how can we start the process etc.


This was in the newsletter that Sal wrote, so I sent it again.

Read it out loud if you need to. Most people ‘skim” and don’t catch everything. If you need consulting time visit and buy an hour of more of my time. We’ll record the call and give you a copy for your records.

Go to the hyperlink and listen to the video that I recorded. If you are SERIOUS follow the instructions and please don’t forget that we are both fee and commission based. Thanks.

I had a 60-minute telecon with the manager of the new line of credit programs. They funded 7,321 applications year to date, WOW!!!

I  spoke with a client of theirs Wednesday morning November 23, 2009 in the northwest suburbs of Chicago near where I grew up. He has a medical supply business that’s at about 90% of last years volume because of a fire that occurred earlier this year. Even though he has an 800 FICO score and had been in business for many years local banks turned him down.

This funding source obtained $2,200,000 from nine different lenders including two AmEx cards in about 30 days. Yes, it cost him some money up front and on the back end but he was funded in record time.

If you are SERIOUS and want funding in the next 30 days I urge you to visit:

Complete the application. Remember that we have a fully earned 1% fee, $2,500 minimum; $25,000 maximum. I have the non-disclosures, fee agreement, and bank coordinates for those who are interested. Just write me at or call M-F 7AM to 5PM Pacific at 925-691-8200.

If you don’t have a minimum 720 score with all three credit bureaus you should go to the money to clean up your personal and business credit.  Your personal goal should be to have an 800 FICO score.

Single person credit repair — $1495

Married Couple                 — $1995

Let us help you get funded:

Business Line and Personal Line of Credit

We have a new Business Line of Credit and Personal Line of Credit provider that has six programs and can fund $10,000 to $10 million. We charge a fully earned fee of 1%, minimum $2,500.

They charge a processing fee of $225 to $375 plus a success fee of 6.9% to 9.9%: in addition we charge a success fee of 4%. The fee is earned on each successful funding which means that if you receive $10,000 you must remit the success fee within 48 hours or the remainder of the funding stops.

They fund in about 30 business days.

Here’s the application:

If you already have a successful business you know that it was not easy to get where you are now, but through hard work, business smarts, and perhaps even with sheer GUTS you have made it this far….but this far is not far enough for you, and you have big dreams and a vision of taking your business to the next level, be it through opening new locations, increasing your Inventory, hiring more talent, or increasing your Marketing Budget. Whichever your plan for Growth and Expansion, you again need LOM, or “Lots of Money”. How do you get this Cash Infusion?

… Let www.workingcapitalfast .com help you.

As our client, you will deal with Top-Notch EXPERTS in Unsecured Business Financing, each with an average of 10 years experience underwriting Small Business Loans who are here to help you and to give you the STRAIGHT ANSWERS you need.

Our Underwriters devote 100% of their time exclusively to working with our clients in obtaining the MOSTfinancing possible in the SHORTEST time possible – This is our niche, it’s all we do, and we are the BEST at it.

We specialize in Business Loans and Lines of Credit featuring:

  • NO Collateral
  • NO Tax Returns
  • NO Business Plans
  • NO UCC Filings
  • NO Headaches
  • 4%+ APR
  • NO DOC to $400,000 (Start-Ups OK!)
  • EZ DOC to $10 Million

The Lenders in our Network focus on your Credit History and (if available) Business Financials to make their decisions, and the stronger your Credit History, the less documentation you will need to provide. If you have High Credit Scores above 700 FICO our Lenders will rarely ever require any Income or Asset documentation.

Our Expertise is in the complete and correct preparation of your Application so it gets approved the 1st time, and in our extensive network of financial institutions that are willing to finance your particular type of business. We make it easy for you, so don’t waste time and apply right now!

Find out how our EXPERTS can get you Funded!

OUR PROCESS: Setting the Right Expectations from the Start!

Here at we know from experience that Clients that come in to us with the Right Expectations and understanding about the service we provide end up achieving dramatically superior results than Clients that don’t.

Therefore, we have decided to explain the basics of Our Process so you know exactly how everything works and achieve the Best Possible Results that can be obtained for your particular situation and also with a sense of Satisfaction that you made the Right Decision in choosing

So here is.


  1. You Apply Online or call us to start the Process.
  2. We send you our Client Package via e-mail for your review. This Package included the Professional Consulting Agreement you will need to sign that outlines the cost of our Service.
  3. We offer you a Free Initial Consultation to answer some of your basic questions and concerns about our Service.
  4. You fax back to us the completed and signed Client Package.
  5. We pull your Business and Personal Credit Reports and perform an Expert Review on your File to determine all issues (Submission Conditions) that may need to be resolved prior to submitting any Loan Applications.
  6. We work with you to resolve as many of these Submission Conditions as possible. The quantity and type of Submission Conditions that need to be resolved, together with your level of cooperation, will determine how fast your File will be ready to be submitted to Lenders for Approval and Funding.
  7. We put you in the BEST Possible Position to obtain the Financing you seek – Your File will be “As Good As It Gets”.
  8. We refer you to the Lenders that we know from Experience are most likely to Approve your Loan Applications and assist you in completing Application Forms and coordinating Lender Appointments and Site Visits if necessary.
  9. We assist you and advise you in resolving Approval Conditions if and when they come up so that your Approvals can turn into Successful Fundings and money in your Bank Account.


APPROVAL AMOUNTS & TIME FRAMES: Each Client is a unique challenge and requires a different strategy – Because of that, the Time Frame for receiving Approvals and the Approval Amounts will depend on various factors and cannot be pre-determined or guaranteed ahead of time. Having said that, we are currently experiencing Approvals within 1 to 3 Days from the the Date each Application is submitted to a Lender, and once each Application if Approved, our Clients are getting funded within 7 to 10 days in the majority of cases. No Doc financing (especially for Start-Up Businesses) may come in the form of personal installment loans in increments of$25K to $100K per lender (depending mainly on your geographical location) and several credit applications may be submitted in order to achieve your total requested financing amount and each credit application will result in a new inquiry on your personal credit report(s) because each lender will need to obtain your personal credit report(s) in order to underwrite your credit application – There is no way to avoid Inquiries, but we can assist you in removing most of them – Ask us how.

WARNING: Anyone or any other Company out there making promises or guarantees to you regarding Approval Amounts or Time Frames is deceiving you – Hold on to your Wallet! No one can promise you any particular Approval Amount or Time Frame until you are actually Approved and Funded – That’s the bottom line and anyone claiming otherwise is deceiving you or stretching the truth at the very least. Here at we don’t play that game – We tell you the Truth, whether you like it or not.

INTEREST RATES: The normal range of interest rates for No Doc loans and lines of credit is 7% to 14%, and for EZ Doc loans and lines of credit it is 6% to 12%, but the interest rate you receive may be higher or lower in some situations.

We are ready and able to help every Client that needs our assistance, but if you have recent derogatory marks on your Credit Report, Bankruptcy, Foreclosure, or Repossession in the last 10 Years then it may be very difficult to obtain financing unless you bring in a Business Partner with a clean credit history. There are also some Industries that are harder to finance than others because they are considered to be “High Risk” by Lenders, so if you are concerned that your Business may be in a High Risk Industry or that your credit rating is not strong enough, please ask us about it before you sign-up.

No Doc means that you do NOT need to provide any proof of Income or Assets and depending on market conditions and your geographical location, the financing may come mostly in the form of Unsecured Personal Installment Loans ranging from $25K to $100K each. The time you have been in business is NOT an issue either – Start-Ups are OK.

EZ Doc means that your Personal and/or Business Tax Return Transcript(s) are obtained directly from the IRS using IRS Form 4506T to facilitate the process for you, but Lenders may still require you to provide full copies of your Tax Return(s) and/or additional documentation such as Bank Statements for the last 3 Months, Business License, etc.

If you’d like to purchase our Business Line of Credit Course and access to every article that I’ve written on business and personal lines of credit click here:

We have a new “small” Monster Corporation of $1,500,000. We have just six of these available to our clients each month.  This is NOT for everyone. For starters it will cost you $75,000 up front and 12% back end. The process takes 90 to 130 days. There are credit requirements that need to be honored.

That said, this may be the best way to be funded if you are a business person, real estate investor, or entrepreneur. It’s certainly better than giving up equity, in my opinion.

We have one in process and one that will start the process next week. We have a few slated to begin in the next six weeks. There is a $2,000,000 option available for an additional $20,000 up front if you are interested.

Click on the hyperlink:

If you need a good credit repair service:

If you don’t have a minimum 720 score with all three credit bureaus you should go to invest the money to clean up your personal and business credit.  Your personal goal should be to have an 800 FICO score.

Single person credit repair — $1495

Married Couple                 — $1995

We’ve added a factoring application and video explaining how to complete the lengthy application in detail. Today we have several funding sources for business lines of credit but they do take time 30 to 45 days on the short end and 90 to 130 days on the long end.  We can set up a factoring line in seven to 10 days and after it’s set up can turn an invoice into cash in one to two days.

Here’s the link:

This came in Wednesday December 2, 2009:

“I recommened Joe for his great work and getting the job done,he is one of the BEST that i worked with.

David Azimi”

This came in Saturday November 21st:

Joe Nelson – FREE Electronics Recycling

, Mortgage Consultant, Discovery Home loans (colleague)
worked directly with you

“Joe is the most detailed business person I know. His mastery of his contacts and incredible knowledge of funding opportunities is like no other. Businesses looking for funding especially alternative should contact Joe immediately.” November 21, 2009

This came in November 18th, our daughter Katie’s 12th birthday, Dale’s Mom & Dad’s 65th wedding anniversary from Joe Hipple , a brilliant media entrepreneur in Las Vegas:

LinkedIn Recommendations

Joe Hipple has endorsed your work as President at Cash Flow Specialists, Inc..

Dear Joe,
I’ve written this recommendation of your work to share with other LinkedIn users.

Details of the Recommendation: “I met Joe about two and a half years ago and have found him to be very thorough, prepared, knowledgeable and well respected throughout the industry. Joe makes things happen and is always willing to pick up the phone when called. In addition, he’s a great person!”

The link for credit repair was broken last week. Joe caught the error, thank you very much, Joe. here it is:

This came in from al Alborzi November 19th:

Al hired you as a Business Consultant in 2001 {1}

Top qualities: Personable, Expert, High Integrity

“I have known Joe since 2001 we are both in the financial industry and Real Estate, he has helped me many times with my clients financial transaction needs. He is professional and knowledgeable. He has been in the financial Industry for many years with variety of experiences.” November 19, 2009

If you need lines of credit this may be a solution for you. I have not had a funding source achieve such significant results in the depths of this recession.

Let us help you get funded:

We’ve added a Commercial Loan Glossary to the Cash Flow Specialists, Inc. website:

Impact of Capital Markets on Commercial Real Estate Values

The economic downturn is reducing demand for commercial real estate, and vacancies are expected to rise moderately, though they will remain in a healthy range. Nonetheless, investors are facing higher borrowing costs and have access to less leverage, which negatively impacts values. Leverage is one of the prime motivators for investors to purchase real estate for a few reasons. To start, it allows investors to control a larger property than they otherwise could if they had to pay all cash, thus increasing their return on equity. Leverage also allows investors to spread their equity across multiple properties, minimizing their risk through diversification.

When there is uncertainty in the markets, lenders hedge their risk by building in greater cushion in their underwriting, including increasing 1.) Debt Service Coverage Ratio (DSCR) requirements, (2) wider loan spreads, (3) and decreasing Loan-to-Values (LTVs).

  1. Rising DSCR – Prior to the capital markets shakeup, DSCR was at an average of 1.1:1, which means lenders required $1.10 in NOI for each $1 in debt service. Lenders today are mitigating risk by requiring NOIs are 1.25:1 greater than debt service.

  2. Wider Loan Spreads – Competition among lenders forced spreads to historically low levels in 2006 and early 2007, with the average falling to 100 to 110 basis points over the 10-year Treasury, which at the time was around 4.65 percent. The 10-year Treasury has retreated to the mid-3 percent range, but lenders are pricing in more risk, pushing loan spreads to an average of 275 basis points of the 10-year Treasury.

  3. Lower LTVs – Approximately one year ago, LTVs were 75 to 80 percent. The rapid price appreciation cycle has ended, and tighter credit markets are encouraging lenders to become more cautions. As a result, LTVs have decreased to the 65 to 70 percent range.

Current Church Financing Rates:

5 year fixed rate, 20 year amortization  =  5.85%
5 year fixed rate, 25 year amortization = 6.00%
20 year fixed loan with no balloon = 6.50%

We offer 30 year amortizations on some loans.

We do not need personal guarantees on church loans.

We accept loans directly from churches and from mortgage brokers.  Broker fees are protected.

These rates are not available in all areas.  Not every church will qualify for a loan.  Minimum loan amount of $75,000 maximum loan amount of $15,000,000
Rates and terms subject to change without notice.

We offer loans on most property types for churches including:
Sanctuary, parsonage, fellowship halls, and almost any other property type for a church.

We offer financing for the purchase, refinance, renovation and construction of church properties.

Our process is simple and quick.  Complete our one page application

Let us help you get funded:

We have a referral program at that may be of interest to you and your team.

Our business and personal lines of credit are hot. We’re doing a few a week and have just under three dozen in the pipeline and have closed and funded several in the past few weeks. We’ve sold one monster corp that would have paid $7,500 had there been a referral partner (it was my deal.) I should close another next week for a similar amount.

Working Capital

The survival of many businesses is being threatened by insufficient cash flow during these tumultuous economic times.


1) Having difficulty meeting payroll and other current obligations?
2) Companies who obtain large purchase orders and do not have the funds to fill the order?
3) Companies whose investors are no longer willing or able to finance the early development of their business?
4) Companies who have outgrown their bank facility and are unable to obtain an increase?
5) Companies who have either lost money or have become overleveraged and whose bank is looking to exit?

$10,000 – $50 MILLION
* * * * * *

Accelerating working capital by financing accounts receivable, allows clients to not only meet their daily operating requirements but allows them to take advantage of additional business opportunities with access to cash.

The hard money product is hot for people who need cash and have real estate with equity;

Merchant Cash Advance are popular for cash strapped businesses:

This is the referral program that I mentioned:

Let us help you get funded:


I received a call Friday November 20th from Marilyn F. manager of the real estate owned properties of the FDIC in Dallas. She invested 32 minutes walking me through the FDIC site. I have been a subcriber to the FDIC watch list for some time and have written many articles about the collapse of the banking industry.

Here is a hyperlink to the site:

NPL’s and REO’s Direct from Bank

NPL’s and REO’s in NC,SC,FL, and GA. Asset Classes include -SFR, MF, Commercial, and Land.We work directly with the banks and are seeking direct buyers and fund principals for asset disposition. Proof of funds necessary for any LOI or Contract to be presented to bank.

Bank Instruments: Bank Guarantees, Stand By Letters of Credit, MTN’s,

We’ve had several inquiries in the past few months. You’ll find several articles on our websites. here’s a hyperlink for an application:

and another:

Let us help you get funded:

Quote of the Day
Obstacles are things a person sees when he takes his eyes off his goal.
E. Joseph Cossman

As always I am here to serve you and those whom you choose to refer 7AM to 5PM M-F Pacific..

“[The Son Superior to Angels] In the past God spoke to our forefathers through the prophets at many times and in various ways, but in these last days he has spoken to us by his Son, whom he appointed heir of all things, and through whom he made the universe.”- Hebrews 1:1-2

Today’s passage is from the New International Version.

Listen to this chapter Audio is taken from the Listener’s Audio Bible narrated by Max McLean.

Joe Tufo, Certified Cash Flow Consultant, Certified Capital Specialist
P.O. Box 844
Alamo CA 94507
925-691-8200 Direct to my desk
800-669-2700 Business
206-984-2853 Fax

How We Work

Fee and Commission Based.

Your #1 Alternative Funding Source. Call Us When Your Banker Says NO!!!

Business and Personal Lines of Credit $50,000 to $10,000,000, Large Project Funding $10,000,000 to No Limit, Commercial Loans, SBA Loans, Hard Money Loans, Church Loans, Factoring, Accounts Receivable Funding, Merchant Cash Advance.

Speaker, Writer, and Seminar Leader

Providing Honest Answers in a Timely Manner No Matter How Difficult the Situation.

Trust, Integrity, and Service: Here Today, Here Tomorrow

The program that I use to attain my goals:

Please click on the link below to read our Disclaimer

Cash Flow Specialists Disclaimer

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