Business

by doug88888

Article by Stan Prokop

Many of our clients can be easily forgiven for being confused and mis-informed on Canadas SR&ED program, aka ‘ SRED ‘, as most people call it. They can be even more forgiven for not know the basics about SRED finance. We try and simplify that discussion into two very basic things you need to know :- If you have a sred claim its financeable for cash and working capital now- To finance a claim you need to have filed a claim, but not always!! Your ability to monetize or cash flow a claim is in fact a superior way of generating additional working capital and cash flow now based on the value of your filing. We will add one technical point here, in that claims are generally financed at 70% LTV. LTV means ‘ loan to value ‘, so we are simply saying that for every one hundred thousand dollars of sred claim filing you can generate seventy thousand dollars via a short term sred loan. We can expand on that point a bit to ensure you are well informed. After filing a claim it is clear you are in a ‘waiting mode ‘ for your claim to be analyzed, potentially audited, and then of course waiting for the proverbial government cheque – we are of course all familiar with the expression ‘ it’s in the mail ‘ – With Ottawa backing your non repayable cheque you of course have the assurance funds will come, but you just don’t know when!We recommend that if you have filed a claim that you investigate the ability to finance that claim now. If the cheque under the program is a non payable grant ( other than paying tax on the income that’s as close to free money as we can get in Canada from the government!) Why wouldn’t you consider a financing option to accelerate cash flow and start using those funds now?Uses of funds under SR&ED financing are totally within your control. We see clients utilize sred financing to further invest in even more R&D, i.e. next years claim! or you can choose to reduce payables, invest in additional equipment or business assets, etc.In a small handful of cases we meet with firms who have a tax liability to Ottawa or the province re source deductions, GST/PST back remittances, etc. If you work with a trusted, credible, and experienced sred financing Sr&Ed consultant you can structure your financing to ensure that you’re past due remittances are taken care of during the sred financing process. No firm wants to be in the governments bad books re past due government super priority issues.The actual SR&ED financing process should be treated by yourself as any other business financing – we try and actually make the case its easier in some cases, because the actual asset behind the sred loan is the sred claim itself, so even if you think your firm might not qualify for financing for other forms of traditional borrowing your probably qualify for the sred – why?? Because you have a sred claim as an asset that’s verifiable! Ensure you are aware of this great program within Canada that generates billions of dollars in working capital and cash for Canadian corporations.Yes you can wait for funds, which may take a couple months or the better part of a year – if you cant wait consider financing your Sr&Ed claim via a short term sred loan which is collateralized against your filing. We strongly recommend you have a professional filing prepared, by your accountant or sred consultant (there are many) – this will significantly positively impact your ability to finance your claim.It’s a great cash flow and working capital strategy, and no debt is on your balance sheet, as it is offset by your sred asset that is in fact a monetizable account receivable.

About the Author

Stan Prokop – founder of 7 Park Avenue Financial – http://www.7parkavenuefinancial.comOriginating business financing for Canadian companies, specializing in working capital, cash flow, asset based financing. In business 6 years – has completed in excess of 45 Million $ $ of financing for Canadian corporations.Info re: Canadian business financing & contact details:http://www.7parkavenuefinancial.com/sred_tax_credit_financing_2_things_you_must_know.html

by OECD

Article by Stan Prokop

We can almost hear the newspaper crier already – ‘Read all about it, read all about it… No changes to Canada’s film tax credit financing!” What we are referring to is a rash of recent articles and TV news stories around the U.S. situation regarding film tax credit financing. Politicians in a number of states are waging a full stage war in some cases to abolish the entire film tax credit system, taking away these valuable subsidies that have become intrinsic in financing many non studio productions.That’s in the U.S. – That is absolutely not the case in Canada. One can argue all day about the merits and benefits the government in Canada ( at the federal and provincial level ) reaps via their non repayable film tax credit grants, which currently are some of the most generous in the world, as well as efficiently administered. We’re not going to get into that argument here – suffice to say that we understand the government to be very satisfied with the revenues they recoup via productions in film, TV and animation being produced in Canada.Canadian producers and investors are still very bullish on film tax credits, and the financing of these tax credits is part of an overalls strategy to get most independent productions financed and completed in the Canadian landscape, covering all ten provinces.We stated previously that tax credits in Canada are both available and generous. Canadians producers and owners use the tax credits as part of an overall strategy to finance their productions. It is certainly very unusual that any single project in either film, tv, or animation would be financed through just one vehicle, i.e. all equity, all debt, all tax credits, all pre-sales, etc.Therefore tax credits, due to their generous nature, are a lynch pin in the overall finance strategy for tax credits film financing. Tax credits were increased over the last couple years, due in part to re invigorate Hollywood North – aka Canada, which was starting to lose productions to Louisiana, New Mexico, Michigan, etc. Tax credits when properly accumulated, filed, and financed (financed at your discretion of course – you could wait for the cheque!) are a combo of federal and provincial in Canada. The key credit on the federal side is the Production Services Film tax credit, which finances up to 16% of your eligible labor. That credit is further augmented at the provincial level on a province by province basis. As an example in Ontario where a large majority of filming and production is done the rebate comes to an additional 25% of the total budget spend. ( Manitoba has one of the most generous programs – Thirty % all-spend tax credit, or offset up to 65% of local labor costs on projects that start location spending/filming in that province!)We can be forgiven for sometimes not mention Digital Animation credits which in some cases go up to 42% or more of the total spend. Only several years ago digital animation was a weak sister to the industry, but is gaining significant traction due to the popularly of animation, 3D, Shriek! Etc. Many major animation productions are done in Canada directly by Canadian firms or offshoots of the well known major animation studios.So the strategy and recommendation we make to clients is quite clear – understand what credit you are eligible for, select where your production creation or filming makes the most sense ( Manitoba has very cold winters!) and finance your credits as a part of your overall cobbling together of a success and profitable venture in film, tv or animation. Is a film tax credit strategy the holy grail of your financing? Probably not, but used as one tool among your equity, debt and pre sales strategy and you have a strong chance of pulling of a successful financing for your Canadian venture.

About the Author

Stan Prokop – founder of 7 Park Avenue Financial – http://www.7parkavenuefinancial.comOriginating business financing for Canadian companies, specializing in working capital, cash flow, asset based financing. In business 6 years – has completed in excess of 45 Million $ $ of financing for Canadian corporations.Info re: Canadian business financing & contact details: http://www.7parkavenuefinancial.com/tax_credits_film_film_tax_credit.html

View the entire course at: www.financecompendium.com

by chunter01

Article by Jewel Montoya

You’ve heard the saying, “You’ve got to spend money to make money!” This couldn’t be more true, especially in business. If you want to grow your business, you’re going to need a source of funds and access to cash flow – particularly when things are moving slowly.

At one time, owners of businesses had to get business credit against the things that they owned personally and based on their personal credit score. This is a major liability because if your business doesn’t make it, you could lose your personal assets, too! Thankfully, there are now ways to obtain business credit that is not just an extension of what you owe personally.

If you set the business up as an official entity- separate from yourself, you can apply for various business funding, including loans or credit cards. When a business is just starting out, it hasn’t had the opportunity to establish it’s own credit rating yet and so lenders will have to use your personal credit report to determine the level of risk in lending to a business you own. What happens if your personal credit score is not-so-good?

You can take some steps to increase your chances of getting a business credit card (or some other form of business funding) by doing the following:

Take steps to increase your personal score. Before you go any further looking for business credit cards or other sources of funding, do you know what your score is? Is your credit score below 640? If it is, it is recommended that you attempt to increase the score first. Often, making all of your payments on time for 3 consecutive months will pull your score up 2 to 4 points. Check with a financial advisor for some ways of increasing your credit score as it will only serve to help you personally as well as in business.

Create an LLC or Corporation. This type of business structure automatically means the business is separate, and not just an extension of you. If you are operating a business under your name, and have not filed any official paperwork with the government or with lawyers and accountants- your business finances are no different than your personal finances.

Have a physical address. Believe it or not, using a PO Box can hinder your ability to get a business credit card or loan! If you operate out of your home, you might consider getting a business mailbox from Mailboxes Etc, or UPS, as both offer a physical mailing address rather than a PO Box. Having a business phone line also will increase the way the business is looked at by lenders, and ensures the business is reachable.

If you are still unable to obtain business credit cards or financing on your first try, perhaps you know someone with a strong credit rating who would be willing to co-sign an application for you. You may not be able to have a business application for credit co-signed, but you can as an individual. Get a credit card in your name and then use it only for the business. Be sure to make the payments on time, and keep the balance manageable. Over time, you’ll build up your personal credit score, which is seen as a boost for the business validity- and eventually you’ll be able to obtain funding and credit cards under the business name.

Getting business credit cards and financing is a necessity that all businesses will face from time to time. There is a need for cash flow in order to grow and increase the business. With some careful planning and preparation, most businesses will be approved for a business credit card even if the owner has personal credit that is slightly less-than-perfect.

About the Author

Read about do roaches bite, do skunks hibernate and other information at the Interesting Animals website.

by Jo@net

Article by Dale

know stuff are car financing calculators considering those who wanting to carry do in their research also look for the cheapest choice before signing a contract.

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This leads to profuse moment finding incommensurable methods of purchasing a hogshead which is generally a fresh expensive option.

Certain cars bring different requirements because car financing; like if the car is other you voracity larger credit.

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Did you factor schooled that car financing companies have a no mind subscribe option thanks to relatives with first postulation.

These types of offers are often the further appreciated scheme of receiving car financing; this way you can earn car financing eclipse bad or truly needy credit.

About the Author

There are many websites to describe myself and my personality. I wouldn’t hesitate to agree with each descriptive website. I think that being these things has helped make me into the person I am today, and I am very proud of the person I have become. I think that out of any websites you could use to describe a person, these fit me best.

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Article by David Won

many people want to purchase an auto. For purchasing the car you will find many firms all around the world. Additionally, these corporations offer you a trusty application service and online comparison for making certain the request of your loan is handled in the best, fastest and most possible cheap demeanor. It’ll take simply few minutes to finish the form available on the internet. Compare the details on the vehicle finance offered by different corporations. After that you can select the best auto (car) financing company. There are many corporations which can offer you every year with inexpensive low cost financing. Such corporations try and provide low rate loans to their clients. In the present times it is really easy to get car finance. By simply filling the form and by knowing the terms and conditions. We also provide ca finance for those who have bad credit.

Additionally, credit is available for acquisition of the new and secondhand motor cars through brokers, auto sales yards or non-public sales. Actually varied finance calculator tools are available for you to compare and figure out different payments. In reality the loan calculator will help you in calculating. The experts of commercial auto loans will assist you in getting vehicle finance. Actually you can get finance for auto in a straightforward and efficient demeanor.

The method of financing the vehicle has become quick today. The firms have handling numerous banks and banks for supplying you with vehicle financing at good rates. Just attempt to get comparisons on automobile financing and thereafter you must learn how it’s possible for you to get low rates for an inexpensive vehicle loan. We all want for buying an auto. For this reason you’ll be able to find many companies all around the globe which provide that facility of vehicle finance in order to satisfy your want. Furthermore, these companies give you a reliable application service and online comparison for making sure the request of your loan is handled in the simplest, fastest and most possible reasonable demeanor. It’ll take simply few minutes to finish the application on the internet. You can identify your monthly vehicle loan payment by employing vehicle loan calculator offered by the corporations. You must first compare the details on the vehicle finance supplied by different corporations. After that you can select the most acceptable vehicle financing company. There are a number of companies which can supply you annually with inexpensive minimal cost financing. Such companies attempt to provide low rate loans to their clients. You may just have to complete the vehicle loans rituals of the company in order to get the loan licensed right away. In the present times it is easy to get vehicle finance.

About the Author

many people want to purchase an auto. For purchasing the car you will find many firms all around the world. guaranteed car financebad credit car finance

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by mars_discovery_district

Article by Eva Baldwyn

You need to buy a car but you think your bad credit may come in the way of availing finance. There is no need to worry at all on the front of taking required funds from loan providers as bad credit car finance is especially designed for bad credit people. You are fully eligible for buying any car new or used one through taking bad credit car finance.

Also because of the bad credit car finance availability at easier terms, you need not to settle for a used car that is of old high mileage which is bought from a buy here pay here dealer. Bad credit car finance is attractive also because you can take the finance instantly within 24 hours.

Bad credit of a car buyer does not count much at the time of seeking the finance. This is because provider of Bad credit car finance secures the loaned amount by using the car itself as collateral. The lender will take in his possession the necessary car deal papers only to return them back when the loan is fully paid back by the borrower.

Despite your bad credit, the finance is provided at comparatively lower interest rate as the finance is well secured through the car itself. Usually the finance is offered for a shorter period. But a bad credit person should take note of few measures so that the finance is approved quickly.

Before approaching the lender for the finance, make sure that you are not paying more than 30 percent of your annual income towards your debts. If the more of your income goes in clearing previous debts then it gives a feeling of insecurity to the lender about safe return of the loan. So, in case you are paying more than thirty percent of your annual income towards debts, better pay off some easy debts to bring down debt-to-income ratio before applying for the finance. Also, prior to applying for bad credit car finance, get a copy of your credit report from a reputed credit rating agency and check the report for errors and inaccuracies. It would benefit more in terms of the finance availing cost and quick approval if online lenders are approached for bad credit car finance. When you fill application form for the finance, it is immediately approved and you receive car finance package that includes check and necessary instructions and you can shop for the car. Then you can enter the settled purchase price and seller’s name on the check and send it to the lender and the car is all yours.

It is very easy to access bad credit car finance but remember that since you have bad credit, ensure that you pay off the finance in time. This will also help in improving your credit score.

About the Author

Eva Baldwyn aims to inform common men and women of the several issues involved in personal loans and mortgages through her articles. An MSc in Economics & Finance from the Warwick Business School.To find Bad credit car finance, Bad credit new car loan, Bad credit used car loan, Online bad credit car loan, personal car loan visit http://www.carloaninuk.co.uk

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by Michigan Municipal League (MML)

Article by Wain Roy

People often face problem while purchasing a new car owing to their bad credit history. Buying a new car is easier for those who do not have a bad credit history. Getting car financing for your new or used car may personate a big challenge. Bad credit car financing is obtainable for people with unimposing credit score, repossession, slow pay, and in some cases even bankruptcy.

Bad credit holders can always communicate with car financiers having special plans. Normally, car-financing companies accumulate the credit info of a customer and ascertain the kind of financing required. The company sends the data directly to an authorized dealer. There is always a possibility of getting your loan application declined by the lenders. Bad credit often restricts your car financing alternatives.

Bad credit car finance loans have a high interest rate in comparison to other loans. A person who gets a bad credit loan should make regular payments to amend his credit score. The car can be refinanced once the credit score improves. The second loan will thus have a lower interest rate, which will help you save a good amount of money in the long run.

The basic standard for bad credit car financing is that you should be above 18 years of age. Another necessity is a regular source of income such as a job or pension. The minimum monthly income specification differs according to the auto finance companies, and mostly depends on the borrower’s credit score. Some finance companies are very particular that the person’s bankruptcy is cleared and that there have been no auto loan repossessions in the past.

One can now do bad credit car financing through auto dealerships or even online. The smart way to obtain car financing is to get at least three different sources for quotes. This can be done through a car loan broker and by completing an online information enquiry form. To get you the most reasonable rates, the car loan brokers will discuss with a number of lenders to help you with your bad credit car financing.

Though bad credit car financing has become easier now, it comes with a disadvantage. If you have a bad credit score, then the lenders charge a higher rate of interest and require a larger down payment. This is because they need to counterbalance themselves for the risk that they set about in your car financing bad credit and providing you the loan.

With bad credit car financing, if you pay a larger down payment, then the rate of interest charged might lessen, and thus you can take down your monthly payments. This way you would also be able to pay off the balance on the loan faster. Thus, while financing a car with bad credit, you must talk over the deal with the lender before taking up the loan.

Another important aspect that you must take into account when financing a car with bad credit is how many lending companies you submit your loan application to. This is because if your credit report were checked again and again, then your credit score would fall even more. Thus, it is advisable that you find the best lending company first, and then submit your loan application while car financing bad credit.

About the Author

Wain Roy is an internet marketing professional expert in various industries like real estate, web design, finance, medical tourism, Canadian pharmacy drug and car finance

This time Max Keiser and co-host Stacy Herbert look at the scandals of the Nobel Prize winner that threatens the world; the US paying more than Buffett, and the big ambitions behind 12000 calories per day. Keiser also talks to Helen Skopis of Athens International Radio about the Greek debt crisis.
Video Rating: 4 / 5

by doug88888

Article by Stan Prokop

Film, television, and digital multimedia financings are always a challenge to Canadian based productions, but recent trends in the industry allow for a number of new and aggressive ways to finance your ongoing productions. For many participants the playing field is somewhat complex, as it is a mixture of industry, government and private sector financing that ultimately bring financing and cash flow to the success of your work. No one seems to be disputing the tremendous growth in the industry, particulary in Canadas major entertainment centres of Toronto, Vancouver, and Montreal.

Canadian content is king when it comes to financing strategies. As the industry if financed on a much larger scale in the U.S. there is always a challenge for Canadian productions in all entertainment sectors to find both short term working capital and significant long term capital and equity. The support the industry is getting from both provincial and federal sectors continues to be quite overwhelming.

The financing of tax credits in film, tv, and digital media, either through the Scientific Research and Experimental Development program, of the various other supported programs is one of the strongest ways to achieve interim working capital and help to balance your debt/ equity investments in any particular production. The good news is, that with the experience of a trusted and credible financing advisor in this area even accrual financing can be applied to these sorts of tax credits. That only means one thing of course – getting your funds immediately, and not waiting for the ultimate tax credit refund under the particular program under which your production is domiciled.

We are often asked if Canadian chartered banks play a role in these types of financing, and the answer is – yes, but very selectively. We have met and worked with specialized personnel from the banks in the area, and they clearly are ‘ boutique functions ‘ of the bank as a whole. Naturally though access to funds themselves is not a problem, as Canadian banks continue to be a world leader in liquidity, tier one capital levels, and access to funds.

So how do entertainment entrepreneurs access this capital. We simply believe that you must seek and search out experienced, trusted and credible advisors in this area. Financial people tend to be somewhat unable to predict ‘ hits and misses ‘ in the entertainment and media sector, we’ll let the creative type do that, but if there is access to financing available through areas such as tax credit financing, gap financing, accrual financing, etc its safe to say lets let the financial people handle that!

In our experience tax credit financing tend to be a minimum of 200k+ and up in Canada, and can of course go into the millions of dollars, so access to capital and who you are working with is very important. Naturally since out tax credit system and the financing of those credits infers a ‘ Canadian content ‘ ‘Canadian Equity ‘ requirement the additional pressure of having to finance just in Canada by virtue of the tax restrictions places just a bit more challenge of financing.

When does tax credit financing work best – In our opinion its when current programs are maximized and monetized simply from a timing perspective, accessing your capital now, not at some later point in time.

Your ability to discount now that future receivable or revenue stream is one of the greatest tools you have in financing prodcutons and content from a debt perspective. Actually its not even really debt, because you are simply monetizing or discounting an asset such as a tax credit receivable. You are raising cash flows against current receivables.

In Canada there is several billion dollars of tax credits awarded annually to the industry, so the ability to monetize these prior to final approval and audit, subject of coruse to your certification eligilbility, is one of your greatest assets from a financing and cash flow perspective.

About the Author

Stan Prokop is founder of 7 Park Avenue Financial – http://www.7parkavenuefinancial.comOriginating financing for Canadian companies,specializing in working capital, cash flow, and asset based financing, the 6 year old firm has completed in excess of 45 Million $ of financing for companies of all size. For info and free consultation on Canadian business financing and contact details see: http://www.7parkavenuefinancial.com/Film_Tax_Credit_Financing_in_Canada.html

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by Michigan Municipal League (MML)

Article by Stan Prokop

Producers and owners of Canadian content in the areas of film, television, and animation credits are not always aware that they have the ability to monetize or cash flow their Canadian tax credits in Canada. The three types of productions that we have referenced are provided with solid financing assistance from the federal and provincial governments in Canada. Your ability to monetize these tax credits, and turn them into cash flow at time of filing, (or in some cases before) can make or break the overall financing success of your venture. Successful results can be achieving by working with a credible, trusted and experienced finance partner for your tax credit financing in Canada. The financing of these tax credits creates, in effect premium additional cash flow to allow you to enhance your initial equity and debt and gap financing strategy. Let’s use a simple example wherein a Canadian produce in film, TV, or digital animation is financing a venture through equity and debt, and let’s say it’s a 50/50 proportionate relationship. The non equity portion of these ventures is often balanced with some sort of distribution agreements in Canada or elsewhere in the world. One strategy you could consider is to of course ensure prior to commencement and production that you qualify for and are eligible for the maximum amount of tax credits related to your venture. Let’s say our example consists of a 1 Million dollar independent film, and there is a 500k equity and debt component respectfully. In our example, if properly qualified and document the film owner, producer, etc can qualify for a tax credit that might easily come into the 200k-250k range. Is that the end of our example? Absolutely not – what we are saying is that you can immediately finance that claim, either at time of filing, or in some cases earlier, and utilize that cash flow for all sorts of purposes related to your venture / production.As Canadian production and content continues to play a hefty role in the producing of Films, direct to video, pay per view, and digital products the ability to finance these ventures is always a challenge. Very few of Canada’s banks and large financial institutions play a role in this type of financing; we therefore recommend to clients that they seek out the expertise of a credible, trusted and experienced advisor in this area. Maximizing your claim value and eligible cash flow are of course the rewards of working with the right party. Larger and well known studios require financing also, but the true challenge is for independent producers and their investors who have budgets that are often ten million dollars and under, sometimes quite significantly under that threshold we just referenced. The reality also is that the industry seems to be breaking all records in areas of growth and economic activity and new forms of content and distribution. The bottom line is that as demand increases and distribution structures improve the need for financing and tax credit financing in Canada is also increased.If a production can be properly pre-sold and distributed, and tax credit financing utilized as an integral role in initial production cost financing – well, that simply creates a perfect formula for financial success. To be successfully financing a production must have the proper amount of leverage, different exit and distribution strategies, and the proper utilization of tax credit and tax credit financing.Working with the proper parties can often achieve 50-75% immediate financing of your tax credits in Canada. The remainder is of course simply a buffer for the lender to allow for financing costs themselves, and any time lapses in the final approval and cheque from federal and provincial players that regulate the new generous tax credits. Tax credits are increasingly generous in Canada – just in the last year or so a number of enhancements have been made to the various programs at various levels of government. Take advantage of these credits, and further investigate monetizing those credits at time or filing of prior to maximize the cash flow and overall financing strategy of your film, TV, or animations projects.

About the Author

Stan Prokop is founder of 7 Park Avenue Financial. Originating financing for Canadian companies, specializing in working capital, cash flow, and asset based financing, the 6 year old firm has completed in excess of 45 Million $ of financing for companies of all size. For info and free consultation on Canadian business financing and contact details : http://www.7parkavenuefinancial.com/Film_Finance_Canada_Tax_Credit_Film_Financi.html

by Scott’s Camera

Article by Pat Gage

Businesses with established business credit are prepared for getting additional business financing. They are also more likely to get financed when they apply, regardless of what type of business funding they apply for. Whatever type or size of business you have, establishing and maintaining good business credit is the savvy businessperson’s tool to get things done when you need to get them done, not when your business can afford it. Who doesn’t need money for their business?

Business credit loans with superb rates and extremely flexible terms are available to businesses with good, established credit profiles. Business lines of credit opportunities abound, each offering more flexible and lower terms than the last. Lenders offer the best terms of credit to businesses with good and properly structured credit histories.

Why is it then, that up to ninety-seven percent of all applications for business credit declined? It is because the business owners thought they were building business credit when in reality they were really running their business off of their personal credit rating or “From Hip National Bank”. They may have been in business for 20 years and still not have much, if any, business credit if they didn’t start out building credit the correct “10 Steps Way”.

If you’re not sure there is an easy way to find out. Call the credit bureaus and get a copy of your personal credit history. Do you see any of your business credit cards or lines of credit listed in your personal credit file? If any of the “so called” business cards or lines appear on your credit – your not using or building business credit. Likewise, this means if you have a bad run of luck in your business, your personal credit is going to suffer as well. Business credit loans don’t show up on your personal credit.

Next, you need to know what really is listed on your business credit profiles. It’s time to call the business credit reporting agencies such as Dun and Bradstreet and Experian. You will see what items are being reported on your business credit report, and which ones aren’t.

It is never too late to start building your business credit. Establishing business credit lines will benefit your business whether it is two months from the grand opening or two generations old. Establishing good business credit is a great investment in your business, your family and yourself.

As the Nations Leading Expert in Business Funding, Pat Gage has created a system for raising unlimited money for any business. The system is called “10 Steps To Money®” and has assisted many of his students and himself in raising hundreds of thousands of dollars for their businesses. Pat is not only a sought after business funding expert but also a national speaker and frequent radio show guest. For more information on any topic discussed, visit my site at http://www.10StepsToMoney.com

About the Author

As the Nations’ Leading Expert in Business Funding, Pat Gage has created a system for raising unlimited money for any business. The system is called “10 Steps To Money®” and has assisted many of his students and himself in raising hundreds of thousands of dollars for their businesses. We all know it takes money to make money.

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