2. I Can Help You…

3. MANISH PATEL

4. NUMBERS
DON’T LIE

5. West Coast Office – Orange County, California
East Coast Office – Towson, Maryland
2
Offices

6. Of experience in legal formation
and financing of business
14
Years

7. 13,000+

8. In business credit lines funded
(2008-2012)
$92+
Million

9. Raised for our clients in 2013
$47+
Million

10. CURRENT
LENDING
ENVIRONMENT

11. Private Investment
Bank Funding
Alternative Options

12. • Savings
• Friends & Family
• Angel Investors
• Venture Capitalists
• Private Placement Memorandum
• Going Public / IPO
• Private Equity

13. • SBA Loans
• Lines of Credit
• Business Credit Lines
• HELOC (Home Equity Line of Credit)
• Equipment Finance

14. • Vendor Credit
• Business Directed Retirement Account
• Hard Money Loans
• Merchant Cash Advances
• Revenue Based Financing
• Receivables Factoring

15. With job security constantly
decreasing, people are looking to be
more self-sufficient
People want to be their own boss
but don’t always know how to start

16. A big part of our job is teaching
and telling the truth about what can
be obtained in a tough economy.

17. WHAT
WE OFFER

18. Funding that will take your
business to the next level.
Expansion

19. Funding at a stage the
majority of lenders do not.
At Startup

20. We Introduce your business to
National and Regional banks.
We get your foot
in the door

21. Operating Capital.
We Get Our Clients
Critical Funding

22. Businesses fail not from a lack of ideas, but
from a lack of Operating Capital or Poor
Management
We want to help our clients end up in the GREEN
70%
21%
9% 1st Year Failures
2nd Year Failures
Long Term Success

24. FUNDING
TYPES

25. • Revenue Based Loans
• Unsecured Finance
• Retirement Finance
• Merchant Accounts
• Crowdfunding
• SBA Loans
• Term Loans
• Equipment Leasing

26. • Revenue Based Lending
• Unsecured Business Finance
• Business Directed Retirement
Account (BDRA)

27. REVENUE
BASED
LENDING

28. REVENUE BASED
• Loans Based Upon Total Revenue
• Loan is Uncollateralized
• Great for Franchises
• Receive Up To 80% of the Monthly
Gross Business Revenue

29. LENDING
• Actual Loan
• Payments Every Business Day
• Term Range From 4 – 15 Months
• Can Get More Funding For Multiple
Locations
• 48 Hour Approvals

30. 1. Loans based upon the company’s
total revenues
2. Funding in 7 – 10 days
3. Receive up to 10% of Annual
Gross Sales!

31. 1. Payments made every business day
(Excluding Saturday & Sunday)
2. This Loan is Uncollateralized
3. Terms may range from 4 – 18 months.

32. • 3 most recent bank statements
• 3 most recent processing statements
• Cover page of tax return
• Signed contract
• Franchise Agreement
• Proof of good standing

33. < 1 Year = Up To $40K
> 1 Year = Up To $5M

34. If a company averages $50,000
a month in revenues
$50,000 x 80% = $40,000

35. FRANCHISES FUNDED

36. FRANCHISES FUNDED

37. RBL Program:
• No Obligation Consultation
• No Upfront Fees
• No Collateral
• Loans Up To 80% of Revenues
Get A Business Loan
Even With Poor Credit

38. UNSECURED
BUSINESS
FINANCE

39. UNSECURED
• No Collateral
• No Income Documents
• No Financials
• Requires Personal Guarantee

40. BUSINESS
• Used for Business Purposes
• Does not show on personal credit
• Tax deductible expenses
• Avoid commingling funds (IRS alert!)

41. FINANCE
• Institutional (Bank) Funding
• Typically Business Credit Cards
• 0% Intro APR’s
• Cash Accessible* (not 100%)
• 24 Hour Approvals
• 2 to 4 Weeks Funding

42. Requirements:
1. Have a business entity
2. Good credit (700+)

43. OR…

44. Use a Business Partner
Speak to me afterward for more
information…

45. Range:
$20,000 to $200,000
*Ranges for which you qualify are determined by
personal credit report review

46. UBF Program:
• No Obligation Consultation
• No Upfront Fees
• Long Term Business Support
• Access to the Funding You Need
• UPF Program as stepping stone to
position client for UBF later.

47. BUSINESS
DIRECTED
RETIREMENT
ACCOUNT

48. RETIREMENT
• IRA (Individual Retirement Account)
• 401K (Previous Employer)
Account should have $35,000+

49. INVESTMENT
• Converts retirement account into
a Business Directed Retirement
Account (BDRA) which is free to
invest in your company*
*restrictions apply

50. Funding
• 0% APR on Funds
• Great for Startups
• 100% Cash Accessible
• No IRS Penalties
• 2 to 4 Weeks Funding

51. WHO
QUALIFIES?

52. EVERYONE!

53. Requirements:
401K or IRA with at least $35k

54. BDRA PROGRESSION
Have a
Retirement
Account
Form a C-Corp with a
new 401(k)
Rollover $$
to New 401k
Invest $$ into your
New Business

55. US
Unlimited
Attorney
Support
5 Years of
Business
Support
In-House
Credit Funding
Program
Benetrends
ERISA Attorney
Support
NO Business
Support
In-House
Credit Funding
Program
Guidant
Independent
Tax Attorney
Support
NO Business
Support
Limited
Funding
Options
Fran Fund
ERISA & Tax
Attorney
Support
NO Business
Support
In-House
Credit Funding
Program
Tenet
Limited Power
of Attorney
NO Business
Support
None

56. Access 100% of the
funds in your account.

57. Minimum: $35,000
Maximum*: None
*Maximum depends upon what your account holds.

58. • Need to have a current
retirement account
• Need to want a 401(k) for
your new business
• Comes with business
support for the first 5 years
of your corporation.

60. Finance Agent
MANISH PATEL www.apply4funding.com/13369
Email:manrpatel1@gmail.com
864-634-8868