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The Truth About Maney: Lessons Learned: The Good, The Bad, and The Ugly; Questions to Ask Traders, Private Client Programs $5k to $50m, Lines and Credit and More 20101016

Lessons Learned: The Good, The Bad, and The Ugly; Questions to Ask Traders, Private Client Programs $5k to $50m, Lines and Credit and More 20101016

Call or write for a FREE Copy of Call When The Bank Says No!


This is a compilation of everything that occurred in our office for the week. It’s an opportunity for you to see what we learned.

We’re pretty good at what we do but we’re far from perfect. You’ll learn that our clients and funding providers are far from perfect too. Hopefully we’ll all learn some lessons on how to do business better.

We’re looking for “Clients for Life.” If you’re looking for a trustworthy, hard working Capital and Cash Flow Specialist perhaps we can do business. With 33+ years of financial services experience (November 1976 to present) we may be uniquely qualified to serve you and those whom you choose to refer.

Please remember that we work on a Priority-Expedited basis and a Non-Priority- Get To You When We Can basis. Not everyone understands our business model and that’s okay. After 33+ years in financial services we can’t please everyone – We do the best that we can for committed paying clients because they’re the ones who keep us in business.


I’ve sat through tens of thousands of presentations since we started in business July 1,1999. Most are made by shrewed entrepreneurs in search of funding for their new business concepts.

I am continually shocked by the failure of most of these presentations to communicate effectively and persuasively.

The problem is that nobody knows how to tell a story. And what’s worse, nobodyknows that they don’t know how to tell a story.

The overwhelming majority of business presentations merely serve to convey data, not to persuade.

You need to be able to master the art of telling a story in a clear, convincing manner.

Investors have been burned badly in the past several years. There’s nothing worse than receiving a 250-page “novel” with the funding request buried on page 57. We don’t have time to sift and sort through hundreds of pages of data and to give dozens of hours of our precious time away.

If you’d like to be “coached” on how to present powerfully and effectively you should retain Cash Flow Specialists, Inc. as a Priority – Expedited Client.

We’ve helped hundreds obtain funding, are you next?

This is a special recording and offer How To Fund Your Viable Project:

This is part of an email that I sent to an “oil man” who has been shopping for a loan for at least two years:

We went down the “free road” (Non-Priority) with you about two years ago, Walter.

I paid my assistants a small fortune and all the while you kept “shopping.” I absolutely refuse to do that again.

Doing upfront work to gain leverage with a potential client is a risky proposition. With so much staff time and so many resources needed we could end up spending all our revenue and profit from several closed transactions to compensate for the costs we’d incur with you.

We don’t want to be in a business where clients want free work. Providing so much upfront work and slashing  success fees is not a sustainable way to operate. Too much upfront free work squanders our resources and time.


We’re running a Special Promotion until December 31, 2010:

We’ve had good success in funding several in these difficult times.

We’ve found that those whom we meet with face-to-face for a couple of hours, that really get plugged into our websites, newsletters, articles, and webinars have a much higher funding success rate than those who try to “go on the cheap” skip the process. don’t read the newsletters and, in general, try to do things their way.

If you’re serious about getting funded you’ll come to Concord CA and spend two hours with me.

For only $2,500 you’ll receive two hours of coaching for you and your teamhere in Concord CA on how to properly fund your viable project or idea, athorough review and written critique of your Executive Summary, Bio’s, Detailed Use of Funds, 5-Year Pro-Forma, and Exit Strategy, and a one-year prepaid subscription to our 4,000+ page and growing private subscription website which archives our newsletters. This is a $4,664 value if you buy the services separately.

In addition, if you choose to become a Priority Client we’ll credit your entire $2,500 investment plus the costs of your travel to Concord CA towards our Priority Expedited Client Fee.

We’ve been successful in funding dozens of business people who struck out using mainstream funding sources. Block a couple of days; fly or drive to the beautiful San Francisco Bay Area, bring a cashier’s check or wire funds direct to our Bank of America corporate account.

If you need more than two hours we’ll charge only $500 an hour instead of our normal $1,000 an hour and we’ll still credit it all towards our Priority Expedited Client Fee.

If you need me to come to you for two hours you’ll need to add $10,000 for travel expenses and time away from Concord CA. If you need more than two hours we’ll charge only $500 an hour instead of our normal $1,000 an hour and we’ll still credit it all towards our Priority Expedited Client Fee.


This is what I wrote a prospective client Tuesday September 28, 2010:

We’ve funded dozens in the past year and hundreds in the past 10+ years. We have 5,333 double opt-in subscribers to our newsletters. You can subscribe for free at

We have found that when clients pay a fee they are committed. We don’t take anyone on unless we’re reasonably confident that we can get them funded. There is no question that Mr. B has a great project and will create badly needed jobs that will bless thousands.

I do business all over the world. I give clients the option of visiting with me face-to-face: some do, some don’t. The serious pay the fee, the “shoppers” don’t. Many choose to do business again and again and refer others.

Rabo Bank is an excellent bank. I’m confident that they can fund Mr. B.


This came in from Brian whom I have known for several years:

CSB has just gotten the OK to do Self-storage units as SBA, they can go to 80-85%. That is a hot niche.

Lot of other products are opening up. It is an exciting time for me to be in commercial-banks are still sidelined but things are opening up. The opportunities are huge. Be aggressive and go after the business and utilize my help in placing the deal via the program finder and you can OWN your marketplace.


This came in from my friend Jack, a San Francisco based asset lender, whom I have known for a few years:


Small-cap to Lower Middle-market Companies

Deal Size of $1M to $30M for Senior Debt / $1M to $10M for Cash-flow Term Loans

We welcome inquiries and return results quickly.

USC is a private investment bank, direct lender, co-lender, and lead financial arranger specializing in asset-based debt for small and lower middle-market companies with $5 million to $100 million in sales. USC will lend or participate in funding asset-backed loans of $500 thousand to $30 million for growth capital, working capital, assets, acquisitions, and liquidity events. Assets eligible for USC loans include inventory, accounts receivable, purchase orders, machinery and equipment, commercial real estate, and intellectual property. USC has the experience and ability to understand special situations and is willing to provide distress, turnaround, and growth financing.

FINANCIAL SOLUTIONS:?Asset-based Lending•Accounts Receivable•Inventory, Wholesale and Retail•Purchase Order and Export Financing •Intellectual Property?Commercial Real Estate Lending (up to $30M)?Public Company Financing?Equipment Leasing / Sale Leasebacks?Bridge Loans?Foreign Asset-based Lending: China, India, and Mexico?Recapitalizations, Acquisition & Turnaround Financing


We’ve got a new small $ product that we’ll be introducing soon that can fund about 70% of small businesses in America.

Funding from $1,000 to $250,000. These close fast in about a week.

If you’re interested let me know.

So many small businesses are struggling. This product “recharges” whenever the business pays down the line and needs more money.

It’s “hard money” rates but it’s cash.



Hello!  Long time subscriber to your newsletter.  Good info!

If we wanted to market the need for funds from investors (about $375K for 30 days, escrow only, fully refundable), what would we need to do with you to accomplish that?

Thanks!  Talk to you soon ..



This is one of the most dependable Traders available:

Kindly email your bank statement not more than three business days old – all statement pages. I will introduce you to Chris P, Trade Principal.

Don’t Tell Me/Show Me

I will give you exactly what you give me.

Chris will educate you.

I have personally known the founder of this program for four years. Recently, Ron, a Canadian developer client of ours, was vetted. He is participating now. Ron told me that for 15 years he tried with 10 to 12 broker groups and got nowhere.

When it comes to trading too many times we get caught up in the old Joker Broker World of total fakes, scams and frauds. I have never understood why anyone would spin their wheels, trying to put down a trade, that will never pay, let alone ever get traded (Dream Brokers).When you are ready to enter into a real trade with realistic profits posted then give us a call and find out more.

If you’ve been looking for a Real Opportunity to participate in a proven program this may be the answer for you.

With a trial trade of $5,000 to $25,000 your monthly yield is 4% which is double the annual interest rate of most U.S.A. CD programs. That’s right, you can earn a yield in one month that doubles the annual rate of return of most CD’s.

CDs Overnight Averages

Product Yield +/- Last week
6 Mo CD 0.87% 0.80%
1 Yr CD 1.29% 1.29%
5 Yr CD 2.60% 2.63%
1 Yr Jumbo CD 1.16% 1.14%

Dale and I were out walking last night. We’ve been friends for more than 33 years. We walk a few miles every night and talk. We’ve been doing that for a few years to stay fit and to share time. I told Dale that this may be the best tool that we have in our “toolboxes” to help people self-liquidate loans in a fraction of the time. It’s also a great tool to use for providing for loved ones, to make a charitable foundation “evergreen,” to fund a college education, to fuel a start-up, and the list goes on.

I taught insurance for 19 years. I was chairman of education for the local life underwriter’s association for 13 years and ran hundreds of agent through classes annually. Our 22-year old daughter, jenny, asked me about life insurance for she and our son-in-law over the weekend. I told her about Banker’s  Life & Casualty’s insurance founder – billionaire, John D. McArthur’s famous quote, “We sell insurance, we don’t buy it.”

Did you know that if you place just $100,000 in this small cap trade and allow it to grow for five years that you will have in excess of $5m ($5,153,632) assuming that the trade continues and that you re-invest on a quarterly basis? That will fund anything you can dream.

Imagine if you started with $1,000,000…

Here you find all trade programs we offer of the 2010 season; with each program listed, there is a brief description of its intended use and the type of investor that should be participating in each level of trade.


(Trade Cap Amounts)

TRIAL / TRADE Approved Trades Platform owned by MGB
Amount of Trade Term Cycles Rolls Profits Pay Outs
$ 5K to $ 25K 6 Mo 90 day None 4% P /Mo. 2 total
Trade Structure and Terms:

Trial Trades are for 6 months or 2 /90 day trade cycles in term.  Trial Trades payout once every 90 days for a total of 2 payouts before they end. Trial trades can not be rolled to another 6 month cycle; they must terminate at the end of the 6 months term. They can however, reapply the next trade  season 2011

Trial Trade; are for Investors that are:

·         Skeptical, not sure they wish to commit a larger sum of funds; without seeing how it all works.

·         Investor that has been given so many different program offers, and never had one deliver in the end.

·         Investor that just does not believe, these are not real and that they are all scams.

We understand these concerns and thoughts, so this is your opportunity to prove it out.

Kick the tires to sort of speak.

INTERMEDIATE / TRADES Approved Trades Platform owned by MGB
Amount of Trade Term Cycles Rolls Profits Pay Outs
$ 30K to $ 75K 9 Mo 90 day None 6% P/M 3 total
Trade Structure and Terms:

Intermediate Trades are for 9 months or 12 months; depending upon the investment amount, (see above).  3 /90 day trade cycles in term and 4 /90 day trade cycles in term.  Intermediate Trades payout once every 90 days for a total of 3 payouts and/or 4 payouts, before they end. Trail trades can not be rolled over to another cycle; they must terminate at the end of the 9 or 12, months term. They can however, reapply the next trade  season 2011

SMALL CAP TRADES Approved Trades Platform owned by MGB
Amount of Trade Term Cycles Roll Over Profit Pay Outs
$ 100 K to $ 500K 12 mo 90 day 4 years 10% P/M 4 Total P/Y
$ 500 K to $ 1 M 12 mo 90 day 4 years 10% P/M 4 Total P/Y
$ 1 M to $ 3 M 12mo 90 day 4 years 12% P/M 4 Total P/Y
$ 3 M to $ 5 M 12mo 90 day 4 years TBD 4 Total P/Y
$ 5 M to $ 10 M 12mo 90 day 4 years TBD 4 Total P/Y
—  Comune
Comune di Tufo
Tufo is located in Italy


Location of Tufo in Italy

Coordinates: 41°00′N 14°49′E / 41°N 14.817°E / 41; 14.817Coordinates41°00′N 14°49′E / 41°N 14.817°E / 41; 14.817
Country Italy
Region Campania
Province Avellino (AV)
Frazioni San Paolo, Santa Lucia, Santo Stefano
– Mayor Fabio Grassi
(Elected June 14, 2004)
– Total 5 km2 (1.9 sq mi)
Population (2009)
– Total 938
– Density 187.6/km2 (485.9/sq mi)
Demonym Tufesi
Time zone CET (UTC+1)
– Summer (DST) CEST (UTC+2)
Postal code 83010
Dialing code 0825
Patron saint St. Michael
Saint day May 8
Website Official website

Tufo is a town and comune in the province of AvellinoCampania, southern Italy. As of 2009 its population was of 938.[1]

As always we’re available M-F 7AM to 5PM Pacific 925-691-8200 Office or 925-352-6000 Cell

Joseph P. Tufo, President

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
Let Us Help You Get Funded:

Networking/Chat Contacts:
LinkedIn: jptufo
Skype:  jptufo
Google Talk:
Google Profile:

Fee and Commission Based.

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

Private Client Services $5,000 to $50,000,000+, Business and Personal Lines of Credit $500,000 to $14,800,000, Large Project Funding $20,000,000 to No Limit, Commercial Loans, Hard Money Loans, Asset Monetization, Proof Of Funds and More.

We make NO INTEREST loans against BG, SBLC, CD, Bank Drafts and Sovereign Bonds.

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

Please click on the link below to read our Disclaimer

Business Lines Of Credit Improve Credit In The News Merchant Cash Advance Money Available Preparation

Need Trade Lines Fast?

This came in the evening of November 27th from our Monster Corporation vendor, Peter:

Joe, I am not sure if this fits in with your program, but we can build a companies Paydex within 10 days to Paydex of 80. $4500 4 trades totaling 40K.

We can also build Bus Experian in 45 to 60 days. $3900. We will build trade lines and build a rating from moderate to low risk.

Business Lines Of Credit Factoring Merchant Cash Advance Money Available Preparation

Capital Can Be Raised Using Three Alternative Methods.

When a business manager concludes that a business should raise cash and has completed their analysis of the expected uses and outcomes of the cash, the next thing to consider is what structure is right for that business.

Broadly, capital can be raised using three alternative methods.

A business can sell part of itself in the form of equity. In an equity financing, the business issues ownership interests to an investor who then owns the portion of the business represented by that equity interest. Equity financing is usually heavily negotiated and may include terms governing dividend payments, voting rights, board membership, anti-dilution rights, etc.

Much “friends and family” financing is equity. “Taking on a partner” usually means the business is raising equity. If your mother will give you the money you need, and not demand very much, it can be an excellent way to raise cash. However, if you go to professional investors, prepare to have a partner (and quite possibly a very active one) for a long time.

Most equity investors seek an “exit strategy” which means a time when they will get their investment and the profits they earned out of the business – often through a sale of the business.

The second broad area of capital raising is borrowing or leasing. While borrowing and leasing are very different in their structures, we will combine them here under the concept of “credit.”

In these forms of financing, the business gets cash today (either in-hand or to buy a piece of equipment), in exchange for the promise to make set periodic payments until a set future date.

The aggregate amounts of the payments represent a combination of repayment of the amount the financing institution provided (the loan amount, or lease amount) plus interest charged for using the money.

Credit is one of the most common ways for businesses to raise cash. There are an almost limitless number of credit structures and types.

Most credit structures require collateral to secure the obligation and many require personal guarantees of repayment.

If the borrower or lessee does not make the required payments, then the creditor can foreclose on the collateral and attempt to execute any guarantees against the assets of the guarantors.

The interest charged on credit is usually pegged to the creditworthiness of the business borrower or lessee, and for small businesses, the creditor usually takes into consideration the creditworthiness of the owner. Interest rates vary widely, and many creditors also charge fees.

The third area of capital raising is asset sales.

Businesses can sell equipment they are no longer using, or contractual rights, inventory or real estate not essential to their businesses.

They can also sell accounts receivable through structures known as factoring.

They can also sell their future card receivables in the form of a merchant cash advance.

Most small businesses do not have unessential property, and if they do, often the market does not pay much.

The relative lack of hard assets in small businesses is one of the reasons financial institutions often look to the personal creditworthiness, guarantees of repayment and collateral of small business owners when looking to extend credit.

Factoring is an ancient financial technology, and involves selling an account receivable. If a business has extended credit to a customer and delivered the product or service, the resulting account receivable can be sold to a willing buyer – often at a substantial discount to its face value. The buyer, or “factor,” then collects the account receivable directly from the “account debtor” (the business or individual obligated to pay pays the factor rather than the business that delivered the product or service).

No form of capital raise is right for every business. However, some forms are wrong for some businesses – or their owners.

For instance, business owner “A” who is extremely independent, and would not work well with co-owners, might seek to avoid selling equity or taking on a partner.

Business owner “B” is in a highly cyclical industry and wants to avoid fixed payment dates and fixed payment amounts may wish to avoid a bank loan or lease with fixed payment schedules.

Business owner “C” may have easy access to loans or leases with low interest costs, with the excellent personal credit and lien-able collateral owned by the business often required by a bank or traditional finance company. They may also have plenty of time to do paperwork, and be unconcerned about fixed payment dates and fixed payment amounts.

Business Lines Of Credit In The News Merchant Cash Advance Money Available Preparation Referral Partners

Make Informed Choices Before Funding Your Business

Cash Flow Specialists, Inc. urges business owners and their advisors to make “informed choices” of whether a Merchant Cash Advance – or any working capital solution – is the most appropriate option for their business.

Education, investigation, preparation and planning  informed choices become smart business decisions.

Business Lines Of Credit In The News Merchant Cash Advance Money Available Referral Partners

Merchant Cash Advance

Merchant Cash Advance

Merchant Cash Advances are a smart way to get working capital for many small and medium-sized businesses. Thousands of small businesses have used Merchant Cash Advances to obtain the working capital needed to stabilize, grow, and take advantage of opportunities.

Business Lines Of Credit Improve Credit In The News Merchant Cash Advance Money Available Preparation Referral Partners

Build Business Credit

Build Business Credit

Business credit scores help lenders, suppliers and other creditors quickly evaluate whether a business will pay its bills on time.

How to Improve Your Business Credit Score

Credit scores are complex statistical models for predicting credit risk. While there is no guaranteed way to improve a business credit score, here are a few steps you can take to ensure that your business credit report reflects the best scores possible for your situation.

  • Check your business credit report regularly and verify that the information in it is accurate and up-to-date.
  • Establish business credit with companies that report trades. Remember, not all business creditors report their trade information.
  • Pay your creditors on time. Historical payment behavior with previous creditors plays a major role in calculating your business credit score.
How Business Credit Scores are Calculated

Business credit scores range from 0 to 100, with 0 representing a high risk and 100 representing a low risk. Scores are based on a number of factors contained in your business credit report.

  • Number of trade experiences
  • Outstanding balances
  • Payment habits
  • Credit utilization
  • Trends over time
  • Public record recency, frequency and dollar amount
  • Demographics such as years on file, Standard Industrial Classification codes and business size
  • Build business credit and improve your business credit rating.
Approvals Business Lines Of Credit In The News Merchant Cash Advance Money Available Preparation Testimonials

Why? Because I Can!


You were initially referred to me by Carole Phelps March 12, 2007. I met you at your Petaluma location March 30, 2007. You were looking for $1,500,000 in funding. I told you exactly what you needed to do. We enjoyed several servings of your award winning pizza and Caesar salad. You sent me home with pizza and salad dressing and said that you’d complete the application, pay our fee, and get started. Nothing happened.

You contacted me through Facebook September 19, 2009. I called and it took a couple of days for you to call back. I listened to your needs and emailed an application. The urgency of funding faded. We would have probably had the $30,000+/- that you asked about in your bank account by now with a merchant cash advance.

Business Lines Of Credit Improve Credit Merchant Cash Advance Money Available Preparation Referral Partners

Boost Your Credibilty

When dealing with Prospective Customers, Suppliers, Partners, and Employees, the Reputation of your Business is one of the MAJOR DECISION FACTORS that anyone will consider before agreeing to become your Customer, your Supplier, your Partner, or even your Employee. 

Imagine you were looking to work for a Company and found out that they have either NO Credit History or BAD Credit History…would you feel secure or would you feel suspicious and unsure about what to do? The answer is obvious – Whether a prospective Customer, Supplier, Partner, or Employee, you want the Company you are doing Business with to be Reputable and have a Track-Record of Financial Responsibility, even if it is a short one, and that translates into having Very Strong Business Credit with all 3 Business Credit Bureaus. Most Business Owners don’t think about this until someone declines to do Business with them because of an unsatisfactory of non-existent Business Credit History – Don’t wait to lose that important deal before you “Wake-Up” to reality!

So, do you want People to feel safe and secure doing Business with you or do you want them to be suspicious? The Answer is obvious, and the Solution is to build Amazing Business Credit, which is exactly what you will accomplish when you become our Client! We make it EASY for you – So don’t waste time and Sign-Up right now!

Merchant Cash Advance Money Available

Merchant Cash Advance to $99,000 Fund in 7-10 days!

  • Work with a DIRECT funding company
  • Up to $99,000 with NO Tax Returns, P&L’s or Balance Sheet
  • Approval’s WITHIN 24 hours from complete submission
  • FLEXIBLE offers and guidelines
  • Extend the advance up to 12 MONTHS for max cash (qualified merchants)
  • Ability to offer a 1.18 FACTOR RATE to capture the A credit merchant
  • Merchants can work with their CURRENT processing company
Standard Pricing Premium Pricing
6 month – 1.36                        6 month – 1.18
7 month – 1.38                        7 month – 1.20
8 month – 1.40                        8 month – 1.22
9 month – 1.42                       9  month – 1.24
10 month – 1.44                       10 month – 1.26
11 month – 1.46                       11 month – 1.28
12 month – 1.47                       12 month – 1.30