If you already have a successful business you know that it was not easy to get where you are now, but through hard work, determination, persistence, business smarts, and perhaps even with sheer GUTS you 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, perhaps 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 http://bit.ly/WorkingCapitalFast 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 workingcapitalfast.com.

So here is.

OUR PROPRIETARY PROCESS:

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.
10. YOU ACHIEVE THE BEST POSSIBLE RESULTS THAT CAN BE ACHIEVED GIVEN YOUR UNIQUE SITUATION.

OTHER IMPORTANT CONSIDERATIONS:

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 workingcapitalfast.com 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.
MINIMUM QUALIFICATION CRITERIA: 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: 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: 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.

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How We Work

 

From the desk of Joe Tufo…

Thank you for visiting my website and signing up for my FREE newsletter…

Here’s a little background on me.

For the past 10 years I’ve been helping people just like you get funding for their businesses and their business ideas.

Over this time I’ve helped hundreds of entrepreneurs secure over $1.2 Billion for businesses of all kinds… from home based businesses, to Real Estate Investing, to business lines of credit to wireless internet technology… and everything in between.

I’ve participated in many business funding seminars from the International
Hard Money Conference, various Real Estate Investment Clubs, Various Webinars, Radio Shows, and am a member of The American Cash Flow Association.

It has taken a lot of time, effort, and some painful experiences to develop the winning formulas that help businesses get the funding they need… especially in today’s economy.

But I’m happy to say that because of what I’ve learned there isn’t a business or business idea out there that can’t find the capital it needs.

It’s pretty easy to do too…

I’ve broken it down into a simple 5 step process…

***Step 1: Determine exactly how much capital you need for your business.

***Step 2: Learn the different types of business capital available to you.

***Step 3: Determine what type of funding is the right fit for your business.

***Step 4: Find the best source of funding which matches your needs.

***Step 5: Put together a deal that makes sense for your business today and down the road.

And it doesn’t matter how much you need either… whether you need $50,000 or $5 Million or more the process is exactly the same and you can get it

 

Our websites are at http://www.workingcapitalfast.com which is about 600 pages (January ’10) and http://www.joetufo.com/blogour subscription site which has about three times the content. It also archives the newsletters.

 

If you have a Large Project that requires funding you may be interested in an 8-Week Course that we are producing:http://joetufo.com/blog/large-project-class

 

Week 1 – Course Overview – What Will You Learn?-What is Large Project Funding?

Week 2 – The Power of Your Executive Summary – The First Key to Successful Funding

Week 3 – The Power of Your Bio’s – The Second Key to Successful Funding

Week 4 – The Power of Your Detailed Use of Funds – The Third Key to Successful Funding

Week 5 – The Power of Your 5-Year Proforma and Exit Strategy – The Fourth Key to Successful Funding

Week 6 – Putting It All Together – Your Presentation and Proof of Funds

Week 7 – Current Funding Sources and Available Programs

Week 8 – Wrap-Up – What Do You Do Next?

t;LEFT”>Bonus Week– Q&A With Joe and Large Project Funding Sources

 

Our websites feature our Business Creed and a pre-qualification application. http://joetufo.com/blog/welcome-to-cash-flow-specialists-inc

http://workingcapitalfast.com/welcome-to-working-capital-fast-cash-flow-specialists-inc

We offer a one-time FREE 20-minute consultation to those who complete the questionnaire completely. This is a $333.34 value based on our hourly consulting fee. Of course, you may purchase additional time at p://www.joetufo.com/consulting”>http://www.joetufo.com/consulting

 

We work one of two ways:

Priority – If you want us to “Clear The Decks” put our heads down and get to work you’ll honor us by paying a fee for six months of service. You may renew after that time.

 

When you hire us to work on a priority basis we thoroughly study your submission package to make sure that it complies with our recommended Road Map to Funding Success. Funding has always been about presentation. Those who present well are funded. Those who don’t present well are not funded.

 

The key ingredients to funding success, in our experience, have been:

1. A powerful Executive Summary of one to four pages. You can purchase our template and video review athttp://www.joetufo.com/roadmap
2. Bio’s of key personnel.
3. A detailed use of funds broken down monthly for the first year and quarterly thereafter.
4. A 5-year proforma and written Exit Strategy.

 

When we meet face-to-face we’ll review the following questions:

• What do you expect from us?

• What is your current pain?

• What keeps you awake at night?

• How do you see us helping you address these challenges and opportunities?

• What growth plans do you have?

• If price were not an issue, what role would you want us to play in your business?

• Do you expect capital needs? New financing?

• Do you anticipate any mergers, purchases, divestitures, recapitalizations, or reorganizations in the near future?

• We know you are investing in total quality service, as are we. What are the service standards you would like for us to provide you?

• How important is our satisfaction guarantee to you?

• How important is rapid response? What do you consider rapid response?

• Why are you changing professionals? What did you not like about your former firm that you do not want us to repeat?*

• How did you enjoy working with your former firm?**

• Do you envision any other changes in your needs?

• Are you concerned about any of your asset, liability, or income statement accounts to which we should pay particularly close attention?

• If we were to attend certain of your internal management meetings as observers, would you be comfortable with that?

• How do you suggest we best learn about your business so we can relate your operations to the financial information and so we can be more proactive in helping you maximize your business success?

• May our associates tour your facilities?

• What trade journals do you read? What seminars and trade shows do you regularly attend? Would it be possible for us to attend these with you?

• What is your budget for this type of service?

* We never denigrate the predecessor. First, this insults you and reminds you of a poor decision. Second, it diminishes respect and confidence in the profession as a whole and lowers the public’s perception of our professionalism.

** Even though you are changing firms, it is almost certain that you liked certain characteristics of the predecessor. We want to find out what those were and exceed them. For instance, if you said the prior firm always returned phone calls within one day, we strive to return phone calls within four hours.

 

Non-Priority – If you think that you’ve “nailed it” when preparing the four key ingredients to funding success, and you aren’t in any hurry at all to fund and aren’t quite ready to pay consultation fees then we’ll take a look at your project when we can get to it. After we look at it we may need to send it back because you don’t meet our requirements. (Priority Clients get major help from us in cleaning up their submission.) We’ll return your calls and emails when we can: after all, priority clients come first.

 

We reserve the right to review each submission once, beyond that our consultation fee will be required. You had better complete the submission request correctly the first time or you better get familiar with our websites mentioned above. If you submit for free we can’t spend a lot of time. It’s not fair to us, our families, or our Priority Clients.

 

In our experience we can fund 1/3 of the files that cross our desks, 1/3 are DOA Dead on Arrival, and the final 1/3 are broken and need to go through some form of remediation which can take hours, days, weeks, months, or years.

 

We DO NOT GUARANTEE FUNDING. We work on a BEST EFFORTS BASIS.

 

With 33 years of Financial Services experience we may be uniquely qualified to serve you and those whom you choose to refer.

Working Capital Fast

 

 

Why We Say NO! A Lot and Mean It

by JOE TUFO[EDIT]

Many times throughout each day we receive calls from folks like you: referrals, referral partners, past clients, current clients, prospective clients, or someone who Googled one of our websites.

Invariably, you tell us that your project or start-up is “the greatest thing since sliced bread,” is a “billion dollar idea,” We’d “be a fool if we didn’t drop everything and devote all our time for free to get you funded.”

To each of you who expect us to work for free we have this to say – NO! NO! NO! A thousand times NO!

WE’RE NOT IN THE FEE BUSINESS and WE’RE NOT IN THE WORK FOR FREE BUSINESS!

It’s not that we’re uninterested or impolite it’s just that we’ve heard it thousands of times. Here’s our thoughts:

• Do we have the time?
• Will we feel pressured to get it done?
• Will we be upset with ourself?
• Will we be resentful of the other person?
• Will we feel duped, had, or swindled?
• What do we have to give up to do this?
• What can we gain (What’s in it for us?)

No is our first option instead of the propensity to say yes that emanates from wanting to please, wanting to be liked, needing to be needed, being timid, avoiding confrontation, not knowing our rights, or feeling: plain and simple, that we should.

We’re in the consulting and funding business. With 33 years (November 1976 to present) of financial services experience in insurance, securities, and finance we may be uniquely qualified to serve you and those whom you choose to refer.

We charge a fee because we do this full-time: 50 hours scheduled a week plus another 20+ working on the websites, writing articles and newsletters, recording audio and video, holding webinars and other tasks to help each  of you.

We take on committed paying clients and then focus all of our effort and energy in getting you funded.

Even at that we fail about half of the time.

In our 10+ years experience in this business about 1/3 of what crosses our desks we can fund (you may not like the rates, terms and conditions but we can fund you), 1/3 is DOA – Dead on Arrival – even with the thousands of pages of information we’ve published, dozens of books and courses we’ve published – let’s face it many of you can’t or won’t follow instructions, and the final 1/3rd is broken: your credit sucks, you have no business credit profile, you have more than three inquiries, you have derogatories, liens and judgments – you’re a mess and it will take days, weeks, months, or years to fix.

So it’s not that we want to say NO! It’s just that we have a way that we do business well and that works for us: pay us our fully earned, non-refundable commitment fee of $25,000 for each project of $2,500,000 or above (1% minimum $2,500 per project $25,000 maximum per project for six months of service). We’ll roll up our sleeves, put on our thinking cap and get to work.

We have REAL funding sources that fund viable projects. Your project can be next.

As always we are available M-F 7AM to 5PM Pacific to serve you and those whom you choose to refer.

 

May 27th Leonard be hosting his National Hard Money Conference at the Ft Lauderdale FL Marriott.  I hope to be there and I hope that you’ll be there to join me.

Be sure to put TUFO in the coupon code and get two tickets for the price of one, a savings of $595 to $895 on the purchase of two tickets.

http://bit.ly/6r4p0Y

 

From our Working Capital Fast website

Applications

• Business Credit Enhancement Program
• Business Line of Credit (BLOC) Application
• Church Loan Application
• Derogatory Removal Service – Guaranteed Results!
• Factoring and Accounts Receivable Financing
• Hard Money Application
• Merchant Cash Advance
• Merchant Cash Advance GBRC Application
• Referral Program

 

 

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Please remember that we have two primary websites:

http://www.workingcapitalfast.com

Working Capital Fast is a free site for the general public.

http://www.joetufo.com/blog

Our corporate website is a subscription site that archives newsletters, audio, video, advanced alternative funding solutions, proprietary products, and confidential solutions that we don’t want the general public to access without subscribing.

New International Strategic Funding Source

I received a call Monday April 19th from Heather the Director of a USA based firm that has access to hundreds of international funding sources. I have know Heather for just under one year.

I conferenced in a client in Aspen CO who is building two ultra-high end custom homes that will retail in the $35m to $40m range each.

Heather can fund these in about 60 days at 6% to 7% interest fixed amortized over 20 to 30 years with a seven-year call. The loans are non-recourse and are assumable; not a bad exit strategy for builders.

They can fund from $500,000 to $100,000,000. As always having a pleasing personality and great presentation are funding keys. Once approved they require $750,000 as a refundable deposit.

Please remember that we are fee and commission based and work on a Priority and Non-Priority basis.

We will look at ANY viable project for free. We will host one free 20-minute consultation. After that you’ll decide whether to retain us

Commercial Loan Modifications: Testimonials, from my friend Phil

Welcome to our boutique of financial instruments:
We offer proof of funds with financial backing of over $500billion in assets. Our funds are fully verifiable via bank swift (MT760, MT799, MT999 & MT103/23), bank call, VOD or soft escrow etc. Written Confirmations from 1 to 366 days up to $5B. Clients have utilized these funds for a variety of reasons. These programs aren’t to be used for any Arms, Drugs or any other transaction that are illegal. We do not qualify the use of these accounts.

Our programs exist of but are not limited to:

PROOF OF FUNDS – Investment Brokerage Account: Great to enhance and leverage your transactions with large funds at low costs.

PROOF OF FUNDS LETTER – Investment Brokerage Account: Works very well for Real Estate show of assets.

PROOF OF FUNDS – Top Bank: Enables clients to enter into new arenas of high yield opportunities.

LETTERS OF CREDIT – Investment Brokerage Account: SBLC- BG- DLC Etc. Great for Import/Export and other large transactions.

LETTERS OF CREDIT – Top Banks: Leverage large projects for high volume funding.

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• This is a Forex Master Trading Account.
• Yes… it is cash backed.
• This account offers seasoning by request.
• Amounts from $50K to $5B and at times higher.
  VOD, phone and fax verifiable.
• Swift MT799 by request for additional costs.
• Funds can be blocked for the transaction and Administrative holds are available.

• Great for showing proof of assets for real estate and other business transactions.
• Verifiable by standard VOD, phone and fax verification.
• Very inexpensive method of proof of fund.

• Cash Backed.
• Top Bank.
• Master Account.
• 8 week programs with extensions.
• Starting from $1M and up.
• MT799, MT760 Ping or Fax verification.
• Blocked and reserved for the transaction.

• SBLC/SLOC: Standby Letter of Credit.
• DLC: Documentary Letter of Credit.
• BCL: Bank Capabilities Letter.
• BG: Bank Guarantee.
• Up to $10B.
• 1 to 13 months with extensions.
• Great for Import/Export and commodities.
• Large transactions.

– This acts as a guarantee of payment issued by a financial entity on behalf of a client that is used as “payment of last resort” should the client fail to fulfill a contractual commitment with a third party. Standby letters of credit are created as a sign of good faith in business transactions, and are proof of a buyer’s credit quality and repayment ability. The financial entity issuing the SLOC/SBLC will perform brief underwriting duties to ensure the viability of the contract and transaction, as well as the integrity of the party seeking the letter of credit. Typically, the letter of credit is cancelled as soon as the terms of the contract have been met by the purchaser or borrower. After due-diligence is concluded, the issuing process is 2-3 days.

• Top US and European Banks
• Leverage Funding
• Monetizable

We pride ourselves with our success track record and effectiveness to produce results for you. Consider us your complete one stop source for Proof of Funds. Ask about our broker network program. Please note our arrangement fee is upfront (through escrow) and not as a success fee.

1. Client, or client’s representative, will provide the necessary information to provide a quote. The minimum information needed is: the client’s name, email address, telephone number, and physical address, account funding amount, account term and type of account verification required.

2. A Term Sheet will be issued for the amount of funds requested by the Client. The Term Sheet will stipulate the Arrangement Fee, refundable processing costs, escrow fee and include a short application.

3. Upon receipt of the signed Term Sheet, processing fee, escrow fee, application and proof of ability to deposit the Arrangement Fee in the Escrow Account, a Principal Agreement will be issued detailing how the Proof of Funds is to be provided. The agreement will include provisions concerning delivery of confirmation documentation and terms of account use. Escrow instructions will also be provided so that the initial Arrangement Fee can be deposited by the Client into the Escrow Trust Account. It is a condition in the Escrow Agreement that in the event we do not open the Proof of Funds account, the Arrangement Fee will be returned in full to the Client by the Escrow Agent.

4. Concurrent with the Client’s execution of the Principal Agreement, the Client must deposit the initial Arrangement Fee into the Escrow Account. The Client will be required to provide the necessary documentation to complete the account establishment process. This information will include color copies of photo ID’s for all signatories; a second ID including address; Certificate of Good Standing or Incorporation, if applicant is a company; Employer Identification Number (if applicable) and Corporate resolutions (if applicable) and social security numbers for individuals. The Client will be a signatory on the account, but will be unable to conduct transactions or encumber the funds in the account in any manner.

5. Upon confirmation that the Arrangement Fee has been deposited by the Client into the Escrow Trust Account, the Proof of Funds Account will be opened in the Client’s name, and funds will be deposited into the POF account in the amount stipulated in the Principal Agreement.

6. The Arrangement Fee is released from the Trust Account when confirmation is provided to the Escrow Agent that the account has been set up in the client’s name, and that the appropriate funds have been deposited as stipulated in the Principal Agreement.

Proof of funds: blocked funds in a cash account with the client (personal or business name) on the account (master account) for a specified term. These moneys are not available to draw against, encumber … Etc.

Why do I need to pay your fee before you open the letter of credit? Can’t you take your fee out of the profits of our transaction?
We do not participate in the transactions of our clients as a party to the transaction other than providing the Letter of Credit.  Our fees are the same regardless of the profit margin in the transaction.

Can I cancel my letter of credit after it has been opened?
All of the instruments that we issue are irrevocable and cannot be canceled except by the beneficiary.

What is the required cost to open a letter of credit?
We require an amount equal to ___% of the face value although in some instances the required amount may increase due to the amount of risk involved.  When a client wishes to open a letter of credit, they are to present the details of the transaction so that we can make a decision based on its merit.

What is the maximum size letter of credit that you open?
We are able to open letters of credit of almost any size. We consider the complexity of the transaction such as the product that is being traded as well as other factors having to do with the parties involved and where they take place.

For what type of goods do you open letter of credit?
We can open letters of credit for any type of goods provided they fall into our ethical and legal criteria. That said, we will not get involved in transactions involving weaponry or ammunition under any circumstances.

I opened a letter of credit to my supplier, but he did not ship the goods.
Will you refund my fee?
Once the letter of credit is opened your fee cannot be refunded. We recommend to all of our clients that they need to assure themselves of their suppliers’ ability to perform before opening any banking instruments to them.