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Business Financing: How To Find Money
For Business Ventures Of All Sizes
If you've been wanting to get into something that doesn't
require all of your time, yet could give you an income of
$100,000 per year or more, a Business Financing Service is
definitely something you should consider. This is the kind
of business that requires no special education or even a storefront
office; won't take much of your time, yet offers more prestige,
power and fast earning potential than just about any business
opportunity available to the ordinary working person.
The average net profit of people in this kind of business
is $75,000 per year, before taxes. Most began on a part-time
basis, operating out of their homes. Within a short period
of time, varying with expenditure of time and effort, most
have luxurious professional office suites with many clients
from all over the country calling and asking for help. Perhaps
best of all, this is a business you can operate with nothing
more than a part-time secretary/bookkeeper, a telephone, and
There are many facets of this kind of business, which involve
bringing lenders and borrowers together for venture capital,
operating capital, expansion capital, and of course, mortgages
of all kinds. Concerning mortgages, look at it from this point
of view: Almost every building in the country - homes, office
buildings, factories, apartments - has a mortgage on it, and
somebody is making some really big commissions bringing together
the people wanting the money and the people wanting to lend
A business financing or money brokerage is the ideal sideline
business for real estate brokers, sales persons involved in
business sales, investment brokers, attorneys, accountants,
and retirees from almost any occupation. This is definitely
one of the truly recession-proof businesses that actually
seems to flourish in times of tight money.
YOUR POTENTIAL MARKET
Each year, more than 10 million business loan applications
are filed with the banks in the country. It is not uncommon
for these banks to be working on more than 250,000 business
loans each week, in amounts ranging from $25,000 to well over
a million dollars. About 65 percent of the loan actually granted
by the banks are short-term commercial loans; only about 25
percent are for longer terms, with fewer than ten percent
granted for construction projects.
It should then be obvious that the banks in this country
are neither speedy nor generous in giving loans to the beginning
or small business entrepreneur. Such business people usually
ask for loans of longer duration than the banks are willing
to grant. It is easy to see that in a beginning business,
smaller installment payments will reduce pressure on the borrower,
and allow him to put more of the profits back into the business.
In most cases, these small business owners need much more
than the banks are willing to allow without all kinds of guaranteed
collateral. And that, of course, is the reason why people
needing money for their business success turn to business
financing consultants, which provides you the opportunity
for success in this field.
You'll find that beginning or small business persons are
always on the lookout for professional business financing
services. They always seem to need more money than they have
available, and they never seem to get quite the help or satisfaction
they seek from the banks. The pressing need for more capital
is not something that plagues only the beginning or new business.
It is an ongoing need in almost every growing business also.
In fact, the need for a continuing input of new money is a
necessary part of the growth cycle of every business. Generally,
the "little guy" just doesn't have the extra cash
from last year; he does not have the money it takes to set
up a stock market program; and he doesn't have the time to
devote to (or he doesn't want to attempt to "sell"
his friends) an investment program in his business.
Sometimes these small business people will talk with their
accountants, lawyers or stockbrokers and ask them to help
in finding people with money to invest. Most accountants,
lawyers and stockbrokers are in touch with clients who have
money they are willing to invest in growing businesses, or
people with "sure-fire" money-making ideas.
Whether these professional people do or do not have special
clients with money to invest in special "deals"
is of no consequence. The important thing is that these people
are always being asked by someone if they know of a source
of money, or if they know of someone who can locate an investor
for them. With this in mind, and once you're set up in business,
it will behoove you to contact these people - the accountants,
lawyers, and stockbrokers in your area - to get to know as
many of them as you can, and to leave your business card,
so they will be aware of your services.
THE SERVICES YOU'LL PROVIDE
Generally, the money broker or person operating a business
financing service will work with his or her clients in putting
the loan application package together in such a way that it
will receive favorable consideration by the lender. You'll
have the names, addresses and telephone numbers of lenders
from all over the world, people and firms interested in investing
in all kinds of different business ideas and for virtually
any amount of money. When you have a complete loan application
ready for presentation, you'll select the lenders or firms
interested in that kind of business or investment. Either
send or present the loan application package to them. One
thing is most important: When you present a loan application
package to a lender, be sure to have the date and time of
your presentation certified by a notary public. When you send
a loan application to a lender, be sure to certify the mailing
of your package with the Post Office.
Once you "open your doors" for business, there
will be no shortage of people coming to you for their money
needs. The problem will be selecting just the requests you
know, logically, stand a reasonable chance of approval. Everybody
wants and needs money; once you announce that you can get
loans for people who need them, you will be overwhelmed with
requests. It will be up to you to utilize your time, expertise,
and effort according to the greatest profit potential.
SETTING UP YOUR BUSINESS
You can start form the kitchen table in your home if necessary.
You'll need a telephone and unless you have someone to act
as a secretary, you should employ a telephone answering service.
You can probably get by with a telephone answering machine,
but because you are dealing with money, it is important that
you project an image of success (and a telephone answering
machine quickly identifies you as being a one-person operation.)
In addition to a telephone, you will also need business cards.
These, of course, should be of a fine quality (this is not
a very large expenditure). They should simply state your name,
followed by the name of your services - Business Financial
Services. You may list your phone number in the upper left-hand
corner, something such as "Money for Every Need"
in the lower right-hand corner, and of course your name and
firm name centered in the middle. Assuming you are working
out of your home, once you have moved into an office, you
would certainly want to make new cards showing your business
It wouldn't hurt to have a calculator, a typewriter, and
at least a small file cabinet as you set up your business.
But just as people got along before without these amenities,
you can make do until you can afford this equipment.
Once you are organized in a work area and with the basics
for operating your business, the next move will be to get
the word out that you are ready to offer your services to
people needing money, and for people who are willing to invest.
This means advertising, visiting, making contact in some way
with both the people needing money, and those wanting to realize
a profit in the process of lending their money. And don't
forget - often those who do not go with you for one reason
or another may supply with you with fine referrals.
The more you advertise and talk to people about your services,
the more successful your business is going to be. So first
of all, we suggest your run an ad in the classified section
of your local newspapers. It might read like this:
MONEY AVAILABLE! Business start-ups, expansion needs, construction
loans, cash-flow problems. Call 123-4567.
You should run such an advertisement in as many of your area
papers as you can afford, every day, for at least a month.
This means that you'll have an advertising budget, with the
money either coming in (or available) to meet these costs
before you even contract to run your first ad. (This is part
of the necessary planning that has to be done before you actually
open for business.)
At the same time you are running the ad inviting people to
come to you for their money needs, you should also be running
a daily ad such as this one:
$350,000 NEEDED! Will pay maximum interest. Growing business,
excellent profits and tax benefits. Call 123-4567.
Now the purpose of the first ad is to build your list of
people wanting money - needing loans that you can process.
The purpose of the second ad is to build your list of investors
in your area with money to put into some of these business
proposals you get from the first ad. Obviously, you'll get
more people wanting to borrow money that people with money
to invest; but once you begin running these two advertisements,
you'll be on your way.
When you place your first ads, start checking and following
up on similar ads you see running in your area newspapers.
Usually, they will be listed under "Financial & Loans
Wanted," or "Money to Loan." However, don't
neglect to check the "Business Opportunities Wanted"
classification as well.
When someone calls in response to your "Money Available"
advertisement, whoever is acting as your secretary should
get the name of the caller, the name of the business, the
telephone number, amount of money needed, kind of business,
and most appropriate time for a consultation. This can be
handled most efficiently with preprinted telephone message
pads. So you simply collect information from all these incoming
calls, look it all over and start making your call-backs.
Basically, your call-back conversation should sound something
like this: "Hello, John Jones? This is Mr. Money Broker
returning your call about money for business financing. I
understand that you're looking for about $100,000 in order
to set up an auto tune-up shop. You stated that you are already
pretty well organized with a business plan and location, and
that you feel you have pretty good collateral. That's very
good. Before we talk any further, however, I'd like to tell
you a little about our company.
"We represent a number of large lending organizations
for business financing, as well as a number of private investors
who are looking for new ideas and businesses to invest in.
Their primary requirement, of course, is that they be assured
of getting their money back, but further that they will make
money from such an investment.
"What I do is work with you in preparing your loan or
investment package so that it will be attractive when it is
presented to prospective lenders. It is very important that
your proposal be complete and in the proper order. It is also
of the greatest importance that it "look good,"
and "sell" the people it is taken to. The prospective
lender must feel confident in granting you a loan or investing
in your business. Once we’ve got your presentation together,
I then take it to some of my lending or investment sources
and work toward obtaining you the money you need.
"As I'm sure you're already aware, it's most important
that your proposal be prepared properly, and presented to
the people who are in a position to give you the money you're
asking for. I work with you to see that your proposal is the
best my people have ever seen, and then I take it to the people
who have the money and are looking for a good investment.
For this, I require a $100 broker's retainer fee. I then go
to work on your specific money needs. What we need to do now
is set up a time and date for me to meet with you so that
I may review your proposal. Would tomorrow morning at 10:00
be all right with you, or would 11:00 be better?"
The important thing is to be in control of this telephone
conversation; to tell the prospect only what you want him
to think about; and to sell him on the idea of getting on
with it by paying the broker's retainer fee of $100.. Only
after you have collected that, of course, will you start to
work on evaluating his plan and getting him the money he needs.
(Feel free to use the following form as a pattern for your
own agreement, or you may even want to cut it out, paste it
up, and have your printer run off supply for you. If you do
cut out and use the form, you will of course place your business
name, address and telephone number in the space "Your
Name and Address" at the top. Also, be sure to block
out the instructions on the signature lines.)
YOUR NAME AND ADDRESS
AGREEMENT FOR FINANCIAL SERVICE
The undersigned, (Borrower's Name) , hereby appoints (Your
Name) as his Agent, and authorizes him to submit to lenders
financial data and information supplied by the borrower for
the purpose of the lender making a loan or investment direct
to the undersigned. The undersigned agrees to pay to (Your
Name) a fee of _______% of the amount of the loan or investment
obtained. The undersigned hereby pays to (Your Name) $__________
as a non-returnable fee for time involved in appraising feasibility
of the loan requested. This fee is separate from any other
fees due if loan is obtained. ____________________ ________________________________
Once you are organized and rolling, you'll find that most
of your day-to-day income will be derived from the packaging
of loan applications. Once your client has signed the broker's
agreement and given you his check for the retainer fee, you'll
be helping him to get his loan or investment proposal together.
This is the first thing to do, and you HAVE to do this regardless
of any forms your client has already filled our, or anything
he may have done relative to a loan proposal.
First give your client a detailed list of information he'll
need to have within his loan or investment package. Because
requirements do change from time to time, you will want to
give your client the most up-to-date requirements in this
regard. Go to several of the banks in your area and ask their
loan officers for a copy of their loan application forms.
Use these forms as your guide in making up the detailed list
of requirements you will use in working with your client.
If you need additional assistance, write one of the several
organizations listed at the end of this report.
When you have the package put together and ready for presentation
to a lender, take it back to your client and brief him on
how to present it to prospective lenders, and generally you
would give him the names and addresses of the people you feel
will be most likely to listen to his presentation. He makes
the presentation to the local prospects, and contacts your
other possible sources by mail. If he needs further help from
you, you would charge him a per-hour counseling fee, plus
consulting charge for any special or extra time spent working
Overall, you should position yourself and your service to
the client in order to collect a "finder's fee"
of 1/2% of the amount of money actually loaned to or invested
in his business. A flat fee of $100 to $250 as a broker's
retainer fee for helping him with his load presentation when
he does most of the work - an outright fee of 1% for the total
preparation of his presentation package - and a consultant's
fee of $50 to $100 per hour for any additional time expended
on the project. These are your "bread & butter"
services that will establish you as a professional, and keep
you in business until you score with a big commission from
perhaps a million dollar loan. You have to involve yourself
in this service, because they'll make the difference between
your going broke or really succeeding in the money brokering
Indeed, you'll become more efficient with each experience
with a client. You'll soon recognize which proposals to concentrate
your attention on, and of course, which ones to scan briefly
and hand back to a loan seeker. The more you deal with money
professionals, too, the sharper you'll become - and consequently,
the more money you will make. Money professionals know what
types of loans are possible or likely from each of their different
funding sources; thus, they'll present only those having the
best chances of success. You will quickly acquainted with
the lending rates and requirements of your loan sources. As
you review, assist and put together each of the request-for-money
proposals, your knowledge will improve your ability to package
specific requests, and to "sell" a loan proposal.
Just keep in mind that every time a loan is approved, or when
one of your sources decides to invest in a client's business,
you'll be taking a financial cut right off the top.
Right here I'd like to assure that you don't have to be either
a financial genius or a super sales person. All you really
have to know is how to put together a proposal properly, and
acquire a list of sources interested in lending money or investing
in a venture to obtain a profit.
You'll find that most of the borrowers you sign to assist
in finding money for are unaware that they will have very
little if anything to say about the terms of the loan that
may be finally granted. You'll find that most of them are
already convinced that they have the ultimate idea for a business
that will make everyone involved rich. Almost all of them
are trying to get started with little or no money of their
own, and they'll think that whatever the prevailing interest
rate, it's too much.
Your first chore will be to screen these people. Explain
the facts of life to them, and don't waste your time with
them if you have the feeling they'll reject or refuse to accept
a loan you line up for them because of interest rates. If
they've been to most of the regular loan sources in your areas,
they'll know that when they want or need money, it's the lender
who dictates the terms of the loan. A prospective borrower
soon learns the prime rate that is published is almost never
used. Actually, the prevailing prime rate plus two percent
is generally a good rate of interest for most small businesses.
In most cases, such loans have to be well secured with collateral
not associated with the business.
Most of your would-be borrowers will not qualify for the
prime plus two percent rate. Business experience, coupled
with the type of business involved, will almost always put
them in the "high risk" loan category. After you
have your retainer fee, you have to educate your would-be
borrowers in this regard. For those who cannot face the facts
of life about interest rates, you have to just forget.
Something else you'll have to convince your clients of: If
he says he'll give up a share of his business in exchange
for the use of your investor's money. He'll have to give up
a very large share. Most small business investment corporations
or private investors will want at least 25 percent, and more
often than not, up to 49 percent. In some cases, where a half
million dollars or more is provided by the investor, he may
(reasonably) ask for as much as 70 to 80 percent. Thus it's
absolutely essential that you learn to quality your would-be
borrower before you get too deeply involved or waste too much
of your time.
For those who can't or don't want to pay your retainer fee
- I say skip them. And those who can't or don't want to pay
the high risk interest rates when you let them in on the real
facts of life - forget them too. And those that have been
turned down by practically every lending institution in the
country, I would advise you - let some beginner gain practice
on them. And these are the ones you need too learn to spot
while you are a beginner.
You should determine exactly how much cash and other assets
your client can or is willing to put into his proposed business.
You'll have to be satisfied with the character of your client
as a borrower; his record of paying his bills, how he gets
along with people, and his overall chances of success. You'll
have to do the checking of his references and credit record.
You'll have to judge how he'll make good on the loan if the
business goes sour. When these questions are answered to your
satisfaction, you can go on with helping him put together
a proper loan proposal and work toward getting him the money
Most successful money broker money brokers charge according
to the size and type of loan being requested. This is based
on the amount of work they have to put in to place the loan.
If it looks like a pretty solid business with a good record
on the part of the borrower, and good collateral, the fees
are usually lower. On the other hand, if it's a high risk
proposal or if the borrower has very little business experience
and you are going to end up doing a lot of selling to get
the loan approved, your fee should be accordingly higher.
Remember that not all loans are approved, even though they
might have looked good to you in the beginning. With this
in mind, you have to charge for your services and make up
for the time you spend with those proposals that don't get
approved by charging and collecting on those that do get approved.
An example of the typical commission charges is shown below.
Loan Amount Your Fee Commission $5,000,000+ 1/2% $25,000
$2,000,000 1% $20,000 $1,000,000 1.5% $15,000 $500,000 2%
$10,000 $100,000 3% $3,000 $50,000 4% $2,000 $30,000 5% to
10% $1,500 to $3,000 Under $30,000 10% $750 minimum
As we stated earlier, you can start this kind of business
from the comfort of your own home or apartment, and do very
well. However, just as soon as you can possible afford to,
it would be to your benefit to set up an office with access
to the general public. Your success and gross income will
definitely benefit with an office.
You should set up your operation in a prestigious location
within or fairly close to the business and financial district
in your are. Basically, this will be for impressing your clients,
but at the same time, by locating in or near your local loan
sources, you will quickly come to know the important people
on a first name basis. Perhaps the best idea would be to sublet
space in a suite of offices used by an insurance company,
accounting firm, or a group of lawyers. An arrangement can
often be made for their receptionist to answer your phone
calls and receive your clients. With a little bit of finesse,
you might even be able to have one of their secretaries handle
your typing and filing.
Your office should be neat and functional, but still impressive.
A large desk, comfortable chair and a credenza; perhaps a
four-drawer file cabinet also. The image you project is of
great importance, and being associated with a big name firm,
even if only on the basis of sharing their suite of offices,
will definitely be to your advantage in gaining ultimate success.
You should try to cover the walls of your office with certificates
of awards, extra curricular courses completed, association
memberships and seminar courses completed over the years.
Documents of affiliation with civic groups or even reproductions
of national write-ups should be framed and displayed on your
Don't forget: when planning and furnishing your office, you
should also include at least one, and preferable two, visitor's
chairs. A small sofa would be desirable, but really isn't
necessary until you are really firmly established. The thing
is, you want to project the impression of affluence and professionalism
to anyone coming into your office.
The ideal situation is to have a two-person team - someone
to be on the outside doing the selling, and someone on the
inside handling all the processing. If you have the marketing
skills, and enjoy selling, you might look for a sharp and
impressive appearing person to handle the processing for you.
Or if you have got the processing know-how, you might keep
your eyes open for a professional appearing person who could
be your "outside arm" and do most of the selling
for you. Basically, and excepting for the actual preparation
and selling of the loan packages, most of the inside work
can be handled by clerical personnel.
As you know however, you will find it in your best interest
to have a full-time secretary. You would train her to field
incoming telephone calls, take care of filing, and do our
personal typing for you. A typical loan proposal usually requires
about eight hours of typing.
Regardless of how you get started, and even after you have
moved into a suite of plush offices, you will have to advertise
to keep new business coming in. Besides running regular advertising
in your local newspapers, you should also advertise in the
local financial publications as often as you can afford it.
Once you get your business rolling, you should expand your
advertising coverage to include such national publications
as the Wall Street Journal and the business opportunity publications.
Regarding the type of advertisement to run in these publications,
we recommend that you look at money brokerage ads in these
publications. Clip out some of those you especially like and
have your local typesetter make one up for you, using those
you have clipped as patterns.
In addition to your local newspapers, business publications
and nationally distributed papers, newsletters and magazines,
it will be to your advantage to run an advertisement in the
yellow pages of your telephone book and in area business directories.
Besides "regular" advertising, you should be sending
out direct mail letters, letting people know that you can
help them with their money problems. Some money brokers have
a combination letter-display and made up and printed on the
back of postcards. This is quite a bit less expensive than
sending out letters, and could possibly downgrade your image
somewhat, but on the other hand, those money brokers using
postcards say they are very effective because the recipients
are more likely to save a postcard than a letter.
A general description of the way the direct mail system works
is: You mail out your letters or postcards to the real estate
brokers and small businesses in your area. Then a couple of
days later, you follow up with a phone call to these people.
You identify yourself, ask if the card or letter had been
received, and then ask how things are going - if perhaps you
can be of any help to them. Finally, you ask them to keep
you in mind, and be sure to let you know if something comes
up that you can handle.
About one-third of the people you talk to will say that they
don't immediately need money, but they know of individuals
or business looking for help. When you do get a referral,
be sure to elicit as much information as possible, then make
a contact with them.
When you have put a loan or an investment proposal together,
and you intend to sell it to a lender, you should first call
the lending officer or the head of that lending organization.
If you want to present your package to a private investor,
you will more than likely have to call his attorney, broker
or investment counselor.
The purpose of your telephone call is to set up an appointment
in order to present your package in person. Thus, during the
course of this telephone call, you should brief the lender
on the highlights of your client's loan proposal. If he is
interested, he will probably want you to send him a written
summary. After he has received the summary and decided he
is interested, he will get back to you and set up an interview
with you, and then with you and your client.
You and the borrower should rehearse the entire loan proposal
and have all examples, charts and graphic illustrations ready
to go for a winning presentation.. Any lender willing to listen
at all wants to hear the full story, and when they have a
question, they want the answer without hesitation. So be sure
you are ready when you show up for that loan-selling interview
- with a complete presentation.
Once you start processing loan applications, you will find
that about 80 percent of the loans granted to small businesses
are made by commercial banks. A few more than ten percent
are made by friends or relatives or the borrower, and about
three percent by finance companies. Another three percent
will be granted by insurance companies.. This will give you
an idea of possible money sources for your clients.
You must remember, when a prospective borrower tells you
how much money he needs, and what he wants to use it for,
it is your job to evaluate his proposal and match his particular
proposal with sources likely to be interested. As you build
your list of money sources, you will find those that specialize
in specific categories of loans - for apartment buildings,
medical facilities, recreation setups, and a myriad of others.
Most money brokers cultivate the savings and loan companies,
union pension funds, life insurance trust companies, credit
unions, private investor groups, and even the small loan companies.
The important thing to remember is that if you are going to
bring together people needing money and people with money
to lend, you have to continually develop contacts in order
to build your list of money sources. It is very helpful to
get to know your local bank officials because sometimes they
can refer you to a person you can really serve, because he
doesn't qualify for a bank loan.
You will also learn that most sources of venture capital
- money for business start-ups - want an equity share of the
business. They generally don't require that the money they
put up be repaid, because they are hoping to make their profit
from a share of the business as it grows and becomes more
and more profitable. They especially like to get in on the
"ground floor" of small companies who plan to issue
public shares of stock when they begin to grow.
Still another angle that money brokers should develop is
contact with a number of people who might be interested in
investing as silent partners in new or growing business ventures.
Silent partners invest in a business without assuming any
liability relative to debts the business may incur, while
still sharing in the total profits of the business. In most
areas of the country, there are always a number of wealthy
people around who are interested in investing small amounts
of money in any number of business ventures - sometimes as
many as they can get in on.
Until you have actually placed a few loans, you are undoubtedly
going to occasionally spend a lot of time attempting to sell
a loan that just can't be sold. You will have to develop your
skill in evaluating from the facts your borrower gives you,
the possibility of obtaining a loan, how long, the terms (time
period and interest rate), his past business experience, and
the feasibility of his plan for success in the planned business.
While it does take some time and concentration to differentiate
the "winners" from the "losers". Be aware
from the beginning, and you will be less likely to be caught
up in efforts to place a loan that just can't be placed.
Of primary importance to your lenders is your client's collateral,
which would assure repayment of the loan in the event of failure
of the business. Lenders won't even listen to, or bother to
look at a proposal that is not backed up with realistic collateral
to support the loan. And you may count on this: They will
call you on any profit projections based only of your borrower's
glowing predictions. These are the things you as a money broker
must evaluate before getting too deeply involved. If the loan
doesn't have the look of at least an even chance of being
approved, better to give it to your client straight. It will
save him grief in the long run, and will allow you to go on
to another proposal with better chances of success.
When you go into the matter of collateral with a client,
by all means be thorough and inquisitive in working with him.
Many borrowers have collateral they have never thought of
in terms of security. For instance, antiques, coin or stamp
collections, life insurance policies, even a wealthy friend
or so who would sign a guarantor(s) of a loan. Remember, also
any accounts receivable, promissory notes, machinery and equipment,
and any real estate equity.
When you've listed all the collateral that can be dug up,
you have to demonstrate very clearly just how the loan is
going to be repaid - and particularly if the business fails.
Collateral is a necessary part of any loan transactions, but
is usually is not enough to satisfy the entire face value
of the loan. Thus, in addition to collateral, the borrower
has to have a clear and provable plan for repaying the money
So long as you work through the commercial banks, you shouldn't
need any kind of brokers license. But to be sure, you will
want to check with your local licensing authorities. In the
end, you will probably want to get a real estate broker's
license, because in many cases, real estate will figure into
the loan in one way or another. However, you can get started
without one. If you run into an immediate need for a real
estate broker's license, you can always make an arrangement
with someone who has one and let him be the "licensee
Finally - and possibly the Number One requisite for success
in your Business Financing Service venture is this: You are
going to need, and really must have, enough money available
or coming in from some outside source(s), to sustain your
daily living for at least the first three months before you
open for business.
It will probably take you two to three weeks to put together
each of your first loan proposals. You're working (investing
your time) but the money won't be coming in until you finish
the job. But even when everything is ready and you begin trying
to place a loan, it could take you anywhere from three weeks
to three months to get the final approval.
So the best way to get started as a money broker is, as we
discussed earlier in this report, to start on a part-time
basis while you are still holding down a regular job. Remember,
you can work out of your home; do some careful planning and
become efficient with your time; concentrate on getting those
"retainer fees" and proceed with packaging the loan
There is no effortless way to start this or any other business.
You have to start small, do all or most of the work yourself,
and in addition to investing your time, you'll have to "prime
the pump" with money of your own. However, it can be
done, and most assuredly this particular kind of business
can take you from pauper to wealth in a short time.
Businesses in every city and town in this country would like
to have more money than they currently have available. You
can become rich beyond your wildest dreams by helping them.
You identify those with money needs and bring them together
with the people or organizations with money to invest.
All it takes is the know-how we've passed along within this
business start-up manual, and ACTION on your part - it's up
REFERENCE ASSOCIATIONS: American Finance Association Graduate
School of Business Administration New York University 100
Trinity Place New York, NY 10006
American Institute of Financial Brokers 21 N. LaSalle Street
Chicago, IL 60601
American Institute of Professional Consultants American Professional
Center 201 S. Lake St., Suite 500 Pasadena, CA 91109
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