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Lester M. Salvatierra: Posted on Wednesday, May 16, 2012 9:46 AM
When I do business with someone, I usually care about 3 things; do they care, will they give me good service and is there value. My recent trip to my cell phone carrier reminded me of this; the price was competitive but the guy behind the counter and over the phone could care less about me, their product and how they represented their company. So I switched carriers. All of us balance our own criteria because bargain-hunters only care about one thing which is price and superquality-minded individuals don’t care about cost as long as the product or service is exactly the way they want it. |
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Lester M. Salvatierra: Posted on Tuesday, May 01, 2012 3:51 PM
Financing equipment and projects for small to mid-size business in the U.S. is always in a state of change. Probably for all companies, the world economy and political shifts has some effect on how we do business here at home. As programs and criteria change, we do our best to keep you updated. Here is a list of our current services: Special Energy Programs– special solar energy financing is available for projects of $500K and up with terms from 5-20 years and rates from 4-7% interest. A full 3 years financials are required from the borrower and the structure can be either an Operating or Capital Lease. |
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Lester M. Salvatierra: Posted on Thursday, April 12, 2012 1:46 PM
When someone says a company has “AAA” rated credit they mean the credit is good, real good. In essence, they are at the highest level of credit worthiness which is a measure of their ABILITY and READINESS to pay back debt. Keep in mind it’s both attributes; just because someone is sitting on $1MM or has good cash flow doesn’t necessarily mean they have good credit because they may be “able” but not “ready”. The “readiness” to pay debt is indicated by things like the Paydex score (how timely open accounts are paid back) and how effectively other lines of creditor other leases/loans have been managed in the past. |
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Lester M. Salvatierra: Posted on Wednesday, April 04, 2012 12:25 AM
HOW IT WORKS: Photovoltaic (PV) cells are made of special materials such as polysilicon. When sunlight hits a solar cell, some is absorbed within the semiconductor material. As light energy transfers to the semiconductor it breaks electrons loose, allowing them to flow freely and efficiently convert direct sunlight into electricity for DC power generation. There are many companies throughout the U.S. whichspecialize in utility-grade solar power for commercial buildings of all types. For many small to mid-size manufacturers, this technology is a great opportunity to generate your own electricity, eliminate utility costs, take advantage of numerous subsidies and help save the environment. |
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Jon Davidson: Posted on Monday, April 02, 2012 3:38 PM
Business cash advances have been available as sources of working capital for small businesses for many years, but until very recently, most business owners preferred other methods of funding their endeavors, going to private investors, or applying for traditional loans. Over the past year or so, however, there have been several changes to the small business financing landscape, leaving unsecured lines of credit almost gone, many banks no longer even lending to businesses, and the banks that are still lending commercial funds requiring more documentation and more collateral. |
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Lester M. Salvatierra: Posted on Thursday, March 22, 2012 2:01 PM
LED and Solar technologies and interest in those markets is booming. The cost savings are tangible and the stability of much of the hardware has reached a level where its longevity can be relied on. Makeshift, flimsy equipment has, for the most part, disappeared and been replaced with extended warranties and well engineered products. Companies and manufacturers can save thousands of dollars by implementing the new energy saving systems but it takes capital to make those projects happen. How much capital? |
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Lester M. Salvatierra: Posted on Thursday, March 01, 2012 5:41 PM
First U.S. Finance has a new direct lender and capital partner with $19 billion in assets, established in 1923 and with expertise in the solar industry. They are the only ones offering a “PPOL Power Purchase Operating Lease” for up to 12 years in term. We are very excited to partner with them since we know it will be a great boost in our ability to finance our clients and vendors in the solar market. Here are some of the DETAILS and BENEFITS: - 2 Finance Options: Operating Lease Options from 3-12 years / Loan programs from 4-7 years
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Mohamed Noohu: Posted on Monday, February 20, 2012 4:05 PM
ASSIGNMENT: The company was experiencing cash-flow problems because they were in a growth phase. There was no structured accounting system, and no reports were done. The CEO wanted an in-depth study done, with an action plan. MSN Associates began by analyzing the firm’s working capital cycle and realized that billing dates were later than client deadlines, increasing AR days, and exacerbating the cash needs in a growing company where salaries were the biggest cost. Due to rapid expansion, the company experience declining profitability and cash flow pressures. |
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Lester M. Salvatierra: Posted on Thursday, February 16, 2012 4:47 PM
Small businesses and companies have cash flow fluctuations which can sometimes be hard to manage. Sales are unpredictable and emergencies happen and a shortage for working capital can easily occur. A bank credit line is perfect for these situations but what if your bank line is near capacity? Getting cash quickly, within a week, can be tricky. As we noted, if you have good accounts receivables, Factoring is a fast, effective way to get capital but if you’re in a business with minimal receivables we have another great solution; Short Term Working Capital Loans. |
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Andy Lamedman: Posted on Wednesday, February 01, 2012 5:59 PM
So you have been thinking of buying a franchise and you have started an online search? There appears to be a great deal of information online about franchising and you now feel confident that you can find a franchise on your own. Is there really any need to have a Franchise Consultant? Of course you can find a franchise on your own but most people find the process overwhelming, time consuming, not to mention confusing. Using a Franchise Consultant who knows the ins and outs of franchising may be the way to go. |
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