Iris Carter's Blog

Thanks for stopping by my blog to see what I’m about. I continue to build many mutually beneficial business relationships via social media networks. It’s exciting to see how social media adds value to my business and to other businesses as well. Take a moment to browse around my blog and please do let me know how I might be of assistance to you.

My Social Networking Links

Looking for a business credit expert to speak to your group? provide consultation?

Contact me.

A 9 minute video with screen shots of a bank that offers credit without requesting the social security number.

Please leave your comments and questions.

CorporateFastTrack.com now offers Guaranteed Loan Programs:

Banks and other lending institutions offer a number of SBA guaranteed Express loan programs to assist small businesses. These loans have been increased up to $500K, have low interest rates as low as 8%, and cover a whole host of special circumstances to help today’s small business owner. While SBA itself does not make loans, it does guarantee loans made to small businesses by private and other institutions.

These loans are designed to help businesses experiencing immediate financial hardship for reasons such as:

•Loss/reduction of customer base
•Increase in cost of doing business
•Loss/reduction of working capital and/or loss/reduction of short term credit facilities
•Inability to restructure existing debts due to credit restrictions
•Loss/reduction of employees (intellectual capital)
•Loss/reduction of major suppliers (major suppliers out of business)

For more details visit: www.corporatefasttrack.com/sba-technical-assistance-services.html

Borrowers whose loans are already severely delinquent or whose past performance or future cash flow indicates that the business is not viable are not good candidates for an ARC loan

The first thing to do before you begin to negotiate with your creditors is to determine “how much you can afford to pay.”

Calculate How Much to Pay

For example:
(a)Total montly income – $2500
(b)Total Monthly expense – $2000
(c)Subtrack (b)from (a) C – $500
(d) Total min. credit card payments – $650
(e) Subtract (d) from (c) E – (-$150)
In other words, you will be $150 short each month. So you will have to negotiate with your creditors to reduce your monthly payments by $150 per month.
If line E is a positive number, that is, you have an excess – you can negotiate to pay more and get better deals.

Why Your Creditors Still Want you
Collection agencies get 40% on everything it collects for the creditor and the creditor will only get 60%.

Who Gets What?
You must decide how to divide up what you can pay among the creditors. You can assume they all want the minimum amount. So, when you negotiate and come to terms with these companies, you first need to come up with an alternative plan. Then figure out how much you intend to pay each creditor. The number of creditors does not matter, consider every debt negotiable.

Steps to Negotiate with Creditors

In 30 days or less I can increase your targeted twitter followers substantially, which will increase traffic to your special events, charity, service, business, or website.  I have a system that will find like minded twitter followers in seconds.  You can also “auto follow” up to 1000 targeted profiles per day and get up to 50 new twitter followers per day per profile.

I can provide multiple twitter accounts, and unlimited twitter profiles! Within minutes, I can automate your twitter posts, schedule tweets, and have your accounts stay active “without” being active. You can have automated scheduled direct messages and auto Unfollow with or without a VIP Safe List.

Included is the best Twitter Search, including Global Location and Multi Language Searches.

Virtually “Set It and Forget It”!

I can help you spend time with your family, take off for the weekend, go on vacation! I’ll do the rest!

Grow your “targeted” Twitter following while you do other things for your business.

Find out more – click the register button!

I got a $2000 unsecured loan for my business without giving using my personal credit.

Most small business owners that have been in business for less than one year and making less than $100K per year mostly need some cash to pay a few small business expenses, take advantage of “off season “buying of inventory or maybe they have a sale that they want to close, but need a little upfront cash to buy the product for the sale.  Some start-up businesses just need a little cash to get some office equipment or put deposits on phone services or setting up initial vendor accounts to get going.  These are just some of the uses for the unsecured line of credit I received.

The company didn’t ask for my personal credit, they only wanted my business information. If I was new in business, they verified other credit sources you may have had before.

From my experience, most companies that “boast” they can get your business credit want your personal credit to secure the loan.

They say things like;

Your qualification for this loan is based primarily on your positive and responsible credit history and ability to repay the loan. Good to excellent credit is necessary and it will improve your chances of qualifying. Qualification is also based on your ability to repay the loan.

Or, they explain how a business qualifies for a loan, by saying;

A true business loan requires a minimum 24 months in business with average gross sales of $150,000 or higher. Generally 90% or more ownership will be required to guarantee the loan and the personal credit of the guarantors must meet the requirements for this type of loan. Although business credit does play a role in your approvals, ultimately the deciding factor is the personal credit of all owners.

The only requirement of this company is that you:

• Sign up for the membership (And they save you the membership fee by offering rebates on office supplies, printing and other business expenses you would spend anyway by being in business)
• Be a member in “good standing” ( Be up to date on your membership fees)
• Residual Income (They pay you a “monthly” income for every referral you sign up and you receive commission on every service your referral buys through the service.)
• Their Guarantee (If after 4 months you don’t save what you paid monthly for your membership, they will give you a full refund. And you can cancel at anytime.)

There are so many more benefits, I can’t list them all!  If you want to save money for your business, earn extra income for your business and have the ability to borrow up to $2000 without ever requesting your personal credit, then you need to subscribe now to find out who they are.

Find out more – click the register button!