Jan 27
adminDebt Relief Debt, Discount, Relief
We may be able to help you save more money than simple Consumer Credit Counseling while protecting you from the harsh impacts of bankruptcy. We think we have the best solution for most consumers with serious debt concerns. We are the largest nationally based Debt Relief organization, specializing in debt relief. We understand your situation and together with you we will look at all the options that may be available to resolve your debt.
We have earned our reputation by taking an honest and informative approach to helping people find the best solution for handling their debt. Discount Debt Relief provides information about debt, where you may stand and what options may be available to assist you in managing your debt, and the solution to reduce your debt.
Our team of consumer debt consultants works individually with each client to help with their particular situation and personal goals. Discount Debt Relief maintains and continues to develop relationships with creditors throughout the country. By establishing cooperative and professional relationships with each creditor, we are able to reach the most favorable settlement offers for our clients. We work directly and 100% for you!
Our goal is to provide our clients with an affordable program to get back on their feet financially within 12 to 36 months and find a real solution for the strain and stress caused by debt. With honest and informative advice, outstanding customer service and a proven debt settlement process, we can provide a fast and ethical way for our clients to become debt free and get back on the path to financial freedom.
*Estimates based on prior results; individual results will vary based on circumstances, including your ability to save sufficient funds and complete the program. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Read and understand all program materials prior to enrollment. ** At program completion if your total debt reduction is less than 3 times the Service Fees you have paid to us, we will refund a portion of those Service fees. The amount of the refund will be calculated so that the amount of Service Fees we retain is equal to only 1/3 of your total Debt Reduction. Please keep in mind that Retainer Fees are generally non-refundable.
Jan 24
adminDebt Relief Debt, Free, Online, Relief
Free Debt relief Online is an innovative solution for consumers struggling with heavy debts and need relief from the stress caused by this. Free Debt Relief Online uses a debt negotiation program with your creditors to lower your debts. Our goal is to save your most possible money and to get you debt free in the shortest amount of time.
We may be able to help you save more money than simple Credit Counseling service providers while protecting you from the harsh impacts of bankruptcy. We think we have the best solution for most consumers with serious debt concerns.
We are specialized in helping people all over the country. We regularly with intense work with creditors to resolve your outstanding debts, and thus we have created a favorable impression in debt relief services. Our unique Free Debt relief Online program takes all of your current debts and converts them into one easy-to-manage, affordable monthly payment.
Choose our services now if you are struggling with heavy debt amount and lot of stress. We can serve you in a better and different way and make you free from all of your debts and stress.
The Total Amount of your Unsecured Debt must be At Least $10,000, and the balance for Each Individual Creditor must be At Least $1,000. Unsecured debt includes: Credit Card Debt Oil/Gas Credit Cards Medical/Hospital Bills Personal Loans (unsecured) Department Store Credit Cards Local Merchants The following are NOT eligible: Past Due Rent Past Due Utility Bills Student Loans Secured Loans Mortgage Payments Income Tax Car Payments
Payments
Jan 10
adminFinancing Accounts, Financing, Makes, Qualify, Receivable
There are often situations when small, medium and even large companies find themselves in a tough spot as far as revenues are concerned. They are at a loss of funds or finance to undertake a project that is expected to give good results. In such a scenario the option available for financing is accounts receivable financing.
Accounts receivable financing is a secured loan for which accounts receivables are pledged as collateral with financial organizations. For small businesses it acts as a boon to help improve their cash flow. Generally small businesses find it hard to receive finance from a bank as they have less credit rating to show because they are yet in a developing stage. Unless finance is available, it is not possible for business to grow at a good pace. A timely finance from finance companies or even banks proves to be helpful for their growth. They often have customers who do not pay before 30-60 days. In such cases the accounts receivable are given as security to a financial organization and finance is received.
Any company can opt for accounts receivable finance. It is very popular with transport or trucking companies, construction companies, manufacturing companies, textiles, staffing and engineering and other small businesses. It benefits medium business and any other business that needs finance on a daily basis. These companies would need to have accounts receivable in hand. The companies who can qualify for such finances would need to have accounts receivables from credit worthy customers.
Moreover, aging of accounts happen to very large extent. They may have regular contracts with organizations with good credit history or government organizations. Some financial organizations also consider the period for which the credit is given, which they prefer should be within 30- 60 days. Companies which are experiencing modest speed of growth and find it hard to keep the cash flow constant find the accounts receivable finance very beneficial.
These finances ensure growth and stability of a company. The process is very quick and you can get the finance in a very short period of time. As finances are available on a timely basis, the companies may be able to get some advantage of reduction of overheads. The processing time of this type of financing is very less. Some of the companies also have online submission, and invoice submission systems which are then verified and checked and finance is provide in less than 2 days also which is a very timely help for these companies which need finance to undertake their daily activities. One more benefit that you get from such a finance function is that the accounts of the companies are managed better as proper records and collection on the due date is very important. For the small companies it is an additional benefit that the business in itself is well organized to make the entire process cost effective.
Accounts receivable financing is available to all those organizations that are in urgent need of finance or cash and are caught up in tricky situations wherein customers make payments very late. Companies find this financing highly beneficial to keep the growth of their organization on track.
Jan 07
adminFinancing Financing, Leasing, Mystery, Software, Taking
The very terms “software leasing” and “software financing” are confusing to many businesspeople. This is due to the fact that software is typically not seen as something that is purchased over time.
This view is shared by both end-users, and the developers of software. Companies who think nothing of financing a vehicle or a new computer system will stress over how they will pay for expensive new business software. And the producers of software see no need for offering a software leasing or a software financing option.
But times are changing.
Third party equipment finance companies – companies who offer small and medium size businesses equipment financing and working capital – have responded to a need for software financing and software leasing. Thus, they are starting to include software amongst the equipment they finance or lease. There is one big overriding reason for this shift:
The High Cost of Buying Software
The simple fact is this: Software can be very, very expensive. Oftentimes more expensive than the hardware that runs it.
Now, keep in mind that when we are talking about software in this way, we are generally talking about “vertical software”. Vertical software is software that is written for a specific, narrow industry (this can include industry-specific point-of-sale software, ERP systems, specialized databases, etc). It is not software that’s available on the shelf at your local office supply store (the software you see there, even the business programs and operating systems, are “horizontal software” – they can be used across a variety of industries, and are relatively affordable.)
A good, clear example of vertical software is an auto parts store – they use software that’s specifically written for the auto parts industry. Another example is your local jewelry retailer – they likely use a point-of-sale system specifically made for the jewelry industry.
To understand how software financing and software leasing can positively affect a business, it is important to understand the advantages of vertical software first.
For most businesses, Vertical Software usually means far more efficient business processes. In the case of an auto parts store, for example, the software will already anticipate the thousands of automobile makes and models. And will almost certainly be updated every year. The jewelry store’s software will differentiate the subtle differences between two diamonds by any number of categories. And so on.
In fact, these “vertical” software programs are so effective, and become so crucial to day-to-day operations, that businesses often need this type of software to remain competitive. In many cases, it’s not an option to do without.
However, since the software is so narrowly focused, it usually comes with a hefty price tag. The developer will sell relatively few copies as opposed to a word processing program (which will sell in the millions), so they must get a premium for their work. Vertical software can sometimes reach five figures for a single license.
This brings an obvious problem: “Businesses need the software, but it’s very costly to buy outright.”
And that’s where software leasing and software financing come in – business don’t have to “buy” it upfront.
The Advantage of Software Leasing and Software Financing
The advantage of financing or leasing software is clear:
Software leasing and software financing take the huge up-front cost of new software out of the equation. Like most other business equipment, software is now beginning to be seen as a tangible asset (this was not always the case.) This means software can largely be treated as any other equipment purchase in the case of financing or leasing. A business can finance that new ERP system instead of having to budget a huge cash outlay.
This can be very beneficial to the bottom line, as software generally pays for itself over time. In fact, since “vertical” software almost always reduces the cost of doing day-to-day business, leasing or financing said software can actually create a positive cash flow right away.
But Who Offers Software Financing or Software Leasing, and how does it Work?
It’s true that software developers have been very slow to embrace the business model of software financing or software leasing. They would prefer to be paid up front for their software.
Likewise, banks, being part of an “older” industry, are also largely reluctant to finance software.
However, third party equipment finance companies who specialize in small and medium sized business equipment financing often offer attractive software lease and software financing packages. What happens is the equipment finance company pays the developer in full, and then provides the software to the end user under a finance or lease agreement, often at very attractive rates. In all actuality, it’s fundamentally the same as financing or leasing most other equipment.
Of course, like any other financing, the agreements can (and will) vary from traditional fixed rate financing to a “software lease” with a buyout at the end, etc. And the rates and terms also vary – your individual equipment finance company will have more details.
All in all, software financing and software leasing have definitely entered the business consciousness, and because it is so friendly to the bottom line, it is a business model that is here to stay.
Software leasing and Software financing are only a few of the services provided by Crest Capital. Regardless of the size of your company, Crest Capital can provide you with the equipment financing and working capital you need to successfully grow your business. Learn about financing options that can increase your bottom line and reduce your 2007 tax bill with a free online quote today.
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