Thời Trang SAAM

Thời Trang SAAM We get your business Capital by Building Business Credit for your EIN, Improving your Fundability. We Get approved for business loans when the banks say no.

Get your business credit with your EIN that’s not linked to your SSN regardless of personal credit, collateral, or cash flow.

Dun & Bradstreet is the biggest and major business credit reporting agency. Commonly known as D&B, the agency provides i...
03/01/2021

Dun & Bradstreet is the biggest and major business credit reporting agency. Commonly known as D&B, the agency provides information on businesses and corporations for use in credit decisions. Dun & Bradstreet is a publicly traded company with a headquarters in Short Hills New Jersey, and trades on the New York Stock Exchange.

Dun & Bradstreet has a massive presence worldwide. Of over 200 million records they had on file in 2012, they reported over 54 million were from Europe while only about 33 million were from North America. Another 12 million records were from Latin America, while only 27 million records were from Asia Pacific .The lowest volume of records on file was in Africa, with only about 1.1 million records on file, and the Middle East, with only about 1 million records on file.

A corporation may be either a Subchapter S Corporation or a C corporation. An S corporation is a corporation that makes ...
02/24/2021

A corporation may be either a Subchapter S Corporation or a C corporation. An S corporation is a corporation that makes a valid election to be taxed under Subchapter S of Chapter 1 of the Internal Revenue Code. In general, S corporations do not pay any federal income taxes. Instead, the corporation’s income or losses are divided among and passed through to its shareholders. The shareholders must then report the income or loss on their own individual income tax returns.

The Equifax Business Failure Score predicts the likelihood of a business failure through either formal or informal bankr...
02/15/2021

The Equifax Business Failure Score predicts the likelihood of a business failure through either formal or informal bankruptcy within a 12-month period. The Equifax Business Failure Risk Score is built using financial services and trade payment data, providing a higher degree of predictability. The score range is from 1,000 - 1,880 and it returns up to four reason codes, 0 indicates a bankruptcy.

Equifax’s payment index value is a dollar-weighted indicator of a business’s past and current payment performance based on the total number of financial and nonfinancial payment experiences in the Equifax Commercial database. On the report, there is a chart shown that provides a suggested interpretation of the Payment Index value.

Equifax’s proprietary model for business credit scores looks at many factors to derive the score, several of which are not displayed on the summary report. Factors include, but are not limited to an increased trend in delinquency, the presence of derogatory
public records on the business profile, such as liens, judgments and bankruptcies, an increase in the number of credit inquiries, the number of accounts on file, balances outstanding, payment habits, credit utilization and related trends over time.

Doing Business As (DBA) denotes a business name used by a person or entity that is different from the person’s or entity...
01/30/2021

Doing Business As (DBA) denotes a business name used by a person or entity that is different from the person’s or entity’s true name. Filing rudiments vary and are not permitted for some types of businesses or professional practices. DBAs can be sole proprietorships or can be used by corporate entities to reserve “brand names”, such as those of chain stores owned and operated by a holding company or other “umbrella”. The phrase “doing business as” (abbreviated DBA, dba, d.b.a. or d/b/a) is a legal term used in the United States and Canada, meaning that the trade name or fictitious business name under which the business or operation is conducted and presented to the world is not the legal name of the legal person(s) who actually owns the business
and is responsible for it.

You can use collateral you already have to qualify for collateral based financing. Acceptable collateral includes accoun...
01/29/2021

You can use collateral you already have to qualify for collateral based financing. Acceptable collateral includes account receivables, stocks, bonds, and other securities, cash-on-hand, inventory and purchase orders. Acceptable collateral also includes equipment, 401K, some real estate and book of business.

Crowdfunding is another great financing option for small businesses. With Crowdfunding you use the collection of finance...
01/28/2021

Crowdfunding is another great financing option for small businesses. With Crowdfunding you use the collection of finance from backers—the “crowd”—to fund an initiative. Crowdfunding models involve a variety of participants including the people or organizations that propose the ideas and/or projects to be funded, and the crowd of people who support the proposals. Crowdfunding is then supported by an organization (the “platform”) which brings together the project initiator and the crowd.

Crowdfunding allows good ideas which do not fit the pattern required by conventional financiers to break through and attract cash through the wisdom of the crowd. If it does achieve “traction” in this way, not only can the enterprise secure seed funding to begin
its project, but it may also secure evidence of backing from potential customers and benefit from word of mouth promotion in order to reach the fundraising goal.

Private money financing includes Equity Investors, Private Financing and Crowdfunding. Contribute money in exchange for ...
01/27/2021

Private money financing includes Equity Investors, Private Financing and Crowdfunding. Contribute money in exchange for a percentage of equity, or ownership, in your company. Think Shark Tank, percentage of ownership based on risk, typically 20-60% is a viable option for startups as no tax returns are typically required, the “idea” might be enough to attract an investor. Investors will want to see value, such as a product with patents. In many cases they would prefer to see a tested and proven concept
over just an idea. Private money often serves as SBA fall-out financing for loans that are close, but can’t
qualify for SBA. Collateral is required, although often only 10-30%. Tax returns are required for two years, so no startups. An Executive Summary is required. Lenders are looking for average credit of 650 +. Loans can be in the millions, even billions of dollars. Loan times take 30-90 days to close and receive funds. Interest rates are usually 7%+ depending on risk.

SBA loans are also tough to qualify for because the lender and SBA will evaluate ALL aspects of the business and the bus...
01/26/2021

SBA loans are also tough to qualify for because the lender and SBA will evaluate ALL aspects of the business and the business owner for approval. To get approved all aspects of the business and business
owner’s personal finances must be near PERFECT to ever get approved.

A corporation is a separate legal entity that has been incorporated either directly through legislation or through a reg...
01/15/2021

A corporation is a separate legal entity that has been incorporated either directly through legislation or through a registration process established by law. Incorporated entities have legal rights and liabilities that are distinct from their employees, shareholders, and members, and may conduct business as either a profit-seeking business or not-for-profit. Despite not being human beings, corporations, as far as the law is concerned, are legal persons, and have many of the same rights and responsibilities as natural people do.

It is essential that you continuously build your business credit profile just as you do with your consumer credit. One o...
01/15/2021

It is essential that you continuously build your business credit profile just as you do with your consumer credit. One of the best ways to battle negative information on your report is to offset it with LOTS of positive information. So continuously build your business credit profile just as you do with your consumer credit.

Business credit scoring is based on how you pay your bills. If you pay the majority of reported accounts on time or earl...
01/15/2021

Business credit scoring is based on how you pay your bills. If you pay the majority of reported accounts on time or early, you will have a good score. Most business owners have little to no credit reporting. So, even one negative account can have a BIG impact on their business credit score.

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24040 Camino Del Avion, Suite A102
Dana Point, CA
92629

Telephone

+18004360711

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