In terms of the true, all-in cost of this type of financing, as we mentioned under Option II, this can be a complex subject. All of the items mentioned in connection with Option II apply here with option III. Get proposals in writing, review those proposals with a trusted advisor, and make a fully informed decision.

About InSource Capital Services, Inc. We specialize in franchise financing. As proud members of our local Better Business Bureau and the NAELB, we promote and subscribe to a Business Code of Ethics. We are committed to "raising the bar" when it comes to fair and honest business dealings with all of our clients and business partners.

Features of our Franchise Financing programs include:

• Fixed rate loans to 84 months
• No outside collateral, other than the assets of the franchise and your good credit
• Pre-Funding, we can pay your Vendors
  A Simple Plan for Starting a Business of Real Estate Investing
  Starting a business of real estate investing - whether you work out of an office or a 'home based business' you run out of a corner of your bedroom, you can drastically change your life, and your income in as little as 10 hours per week - all through a very simple plan of real estate investing.It is possible to become successful in real estate investing in a short time and, even when starting a business of real estate investing, you can find the time without crimping your current lifestyle!Starting a business of real estate investing with a simple plan.1. Groundwork of your simple plan is crucial when starting a business of real estate investing.I know, it is easy to say - and the truth is, it is easy to do! Most people get stopped when starting a business of real
  Whether you write a personal check, use the equity in your home, use your 401K money or get a commercial loan, one way or the other, you're financing your franchise. Financing it the right way is critical to your long term success. It might not be as critical as finding the right locations, but it’s close.

  Generally speaking, in financing your franchise business, you have three basic options:

  • Option I: Finance it out of your own pocket, either by writing a check from savings, cashing out retirement assets, or some other means,
  • Option II: Take out a loan secured by your personal assets, such as an equity loan or an SBA loan, or
  • Option III: Take out a commercial business loan for franchise financing.
  Each option has its pros and cons. The best option for you will be based on several different factors, including the goals you have for your new business. One option might be best if your goal is to open a single location, another if your goal is to open several in a given time frame. What follows is a discussion of the various options and how one might or might not be the best one for you. It is our goal to help you make the best decision possible, based on your current situation and on your goals. Options for Franchise Financing Option I: Finance it out of your own pocket If your objective is to open only one location and you have the liquid cash to open it and get it to profitability, this is not a bad choice. You will lose the interest earned on your money, but avoid the interest cost of borrowing. If you plan to open more than one location and have the resources to get them all to profitability, again, this may not be a bad choice.

  However, if you have the resources to open the first location, and plan to rely on using cash flow from the first one to open the second, third, etc, be careful. Remember, if you have cash in the bank or equity in your personal assets, you can always use that for working capital or expansions later. If you plan to rely on commercial financing at any time, financing the first one is what gives you the greatest flexibility.

  That's the downside of this option. Having your personal money tied up in a business limits your flexibility in the future. You may or may not be able to take advantage of a future opportunity when it comes along. Many books are available that discuss the value of using OPM (Other People's Money) in opening and growing a successful business.

  Option II: Take out a loan secured by your personal assets This Option provides greater flexibility than Option I. Your liquid assets remain liquid giving you the ability to respond as needed to changing business requirements. The net, after tax difference between interest earned and interest paid can be low making this a viable alternative to Option I.

  The downside of this Option comes in two forms: (1) tying up the personal assets you pledge as security, and (2) the true, all-in cost of the financing.

  Tying up your personal assets limits your choice and flexibility in the future. As an example, we recently funded a 2nd location for a certain franchisee. He had taken out an SBA loan for his first location using his home a security. He knew the lender was also filing a lien against his first location but no one thought this would be a problem since we planned to secure our loan with only his new location.

  What we discovered during the title search was that when the original lender filed their lien against the franchisee's business, they listed the location they were financing and included the phrase "all future locations" in the lien filing. Those three little words meant that any and all locations this franchisee would open at any time in the future were going to be considered security against his original loan! We were eventually able to resolve this but needed to negotiate a subordination agreement with the original lender.

  The lesson here is to be very careful about what the lender actually uses as security on the loan because it may limit your options in the future.

  In terms of the true, all-in cost of the financing, this can be a complex subject. Unfortunately, some lenders like it that way. They will quote a low interest rate but not the points and loan fees involved. They won't take the time to educate a borrower on the differences between variable rate financing and fixed rate financing. They won't fully disclose all the charges that are incurred during the life of the loan.

  The lesson here is to get everything in writing and review it with a trusted advisor. Most reputable lenders will issue a proposal or term sheet that includes detailed information about payments, fees, terms, security, etc.

  Option III: Take out a commercial business loan for franchise financing. This option tends to offer the greatest flexibility to most franchisees. Franchise loans are typically secured only with the assets of the franchise, leaving all personal assets unencumbered. Pay close attention to what franchise assets are being used as security (See the story under option II).

  In terms of the true, all-in cost of this type of financing, as we mentioned under Option II, this can be a complex subject. All of the items mentioned in connection with Option II apply here with option III. Get proposals in writing, review those proposals with a trusted advisor, and make a fully informed decision.

  About InSource Capital Services, Inc. We specialize in franchise financing. As proud members of our local Better Business Bureau and the NAELB, we promote and subscribe to a Business Code of Ethics. We are committed to "raising the bar" when it comes to fair and honest business dealings with all of our clients and business partners.

  Features of our Franchise Financing programs include:

  • Fixed rate loans to 84 months
  • No outside collateral, other than the assets of the franchise and your good credit
  • Pre-Funding, we can pay your Vendors d
    3 Simple Steps to Fantastic Testimonials
    What's the first thing you look for when buying a product or service online? Ok, after the price? ;-)That's right - testimonials! Rave reviews from other people who have used the product or service that you're considering investing in can make a huge difference in whether or not you take out your credit card, right?When potential clients or customers visit your website, they want to see the same thing. It makes them feel that much more comfortable that they're making a good choice in handing over their money to you. Make it easier for them to buy (and easier for you to make a sale) by including testimonials for every product or service you offer.But not just any nice words will do. You want your testimonials to be results-based so as to do the selling for you. Here's what I mean:1.
    ssible, based on your current situation and on your goals. Options for Franchise Financing Option I: Finance it out of your own pocket If your objective is to open only one location and you have the liquid cash to open it and get it to profitability, this is not a bad choice. You will lose the interest earned on your money, but avoid the interest cost of borrowing. If you plan to open more than one location and have the resources to get them all to profitability, again, this may not be a bad choice.

    However, if you have the resources to open the first location, and plan to rely on using cash flow from the first one to open the second, third, etc, be careful. Remember, if you have cash in the bank or equity in your personal assets, you can always use that for working capital or expansions later. If you plan to rely on commercial financing at any time, financing the first one is what gives you the greatest flexibility.

    That's the downside of this option. Having your personal money tied up in a business limits your flexibility in the future. You may or may not be able to take advantage of a future opportunity when it comes along. Many books are available that discuss the value of using OPM (Other People's Money) in opening and growing a successful business.

    Option II: Take out a loan secured by your personal assets This Option provides greater flexibility than Option I. Your liquid assets remain liquid giving you the ability to respond as needed to changing business requirements. The net, after tax difference between interest earned and interest paid can be low making this a viable alternative to Option I.

    The downside of this Option comes in two forms: (1) tying up the personal assets you pledge as security, and (2) the true, all-in cost of the financing.

    Tying up your personal assets limits your choice and flexibility in the future. As an example, we recently funded a 2nd location for a certain franchisee. He had taken out an SBA loan for his first location using his home a security. He knew the lender was also filing a lien against his first location but no one thought this would be a problem since we planned to secure our loan with only his new location.

    What we discovered during the title search was that when the original lender filed their lien against the franchisee's business, they listed the location they were financing and included the phrase "all future locations" in the lien filing. Those three little words meant that any and all locations this franchisee would open at any time in the future were going to be considered security against his original loan! We were eventually able to resolve this but needed to negotiate a subordination agreement with the original lender.

    The lesson here is to be very careful about what the lender actually uses as security on the loan because it may limit your options in the future.

    In terms of the true, all-in cost of the financing, this can be a complex subject. Unfortunately, some lenders like it that way. They will quote a low interest rate but not the points and loan fees involved. They won't take the time to educate a borrower on the differences between variable rate financing and fixed rate financing. They won't fully disclose all the charges that are incurred during the life of the loan.

    The lesson here is to get everything in writing and review it with a trusted advisor. Most reputable lenders will issue a proposal or term sheet that includes detailed information about payments, fees, terms, security, etc.

    Option III: Take out a commercial business loan for franchise financing. This option tends to offer the greatest flexibility to most franchisees. Franchise loans are typically secured only with the assets of the franchise, leaving all personal assets unencumbered. Pay close attention to what franchise assets are being used as security (See the story under option II).

    In terms of the true, all-in cost of this type of financing, as we mentioned under Option II, this can be a complex subject. All of the items mentioned in connection with Option II apply here with option III. Get proposals in writing, review those proposals with a trusted advisor, and make a fully informed decision.

    About InSource Capital Services, Inc. We specialize in franchise financing. As proud members of our local Better Business Bureau and the NAELB, we promote and subscribe to a Business Code of Ethics. We are committed to "raising the bar" when it comes to fair and honest business dealings with all of our clients and business partners.

    Features of our Franchise Financing programs include:

    • Fixed rate loans to 84 months
    • No outside collateral, other than the assets of the franchise and your good credit
    • Pre-Funding, we can pay your Vendors
      Stock Photography
      Stock photography is images that can be used by advertisers, magazines, publishers, graphic designers, web designers, calendar and greeting cards companies, and television and film producers for commercial purposes. Instead of hiring a photographer to shoot an image or event, one can go through a stock photograph library and order a wide range of photographs. Using stock photography saves a consumer a lot of money. Images can be purchased through the Internet, delivered by e-mail or downloaded. The business of stock photography began around the time of the American Civil War, when photographers sold images of war to use in stereo viewers.Stock photographers can resell their images to as many different customers as they desire, because they hold all copyrights. Photographers who are interested in selling
      are available that discuss the value of using OPM (Other People's Money) in opening and growing a successful business.

      Option II: Take out a loan secured by your personal assets This Option provides greater flexibility than Option I. Your liquid assets remain liquid giving you the ability to respond as needed to changing business requirements. The net, after tax difference between interest earned and interest paid can be low making this a viable alternative to Option I.

      The downside of this Option comes in two forms: (1) tying up the personal assets you pledge as security, and (2) the true, all-in cost of the financing.

      Tying up your personal assets limits your choice and flexibility in the future. As an example, we recently funded a 2nd location for a certain franchisee. He had taken out an SBA loan for his first location using his home a security. He knew the lender was also filing a lien against his first location but no one thought this would be a problem since we planned to secure our loan with only his new location.

      What we discovered during the title search was that when the original lender filed their lien against the franchisee's business, they listed the location they were financing and included the phrase "all future locations" in the lien filing. Those three little words meant that any and all locations this franchisee would open at any time in the future were going to be considered security against his original loan! We were eventually able to resolve this but needed to negotiate a subordination agreement with the original lender.

      The lesson here is to be very careful about what the lender actually uses as security on the loan because it may limit your options in the future.

      In terms of the true, all-in cost of the financing, this can be a complex subject. Unfortunately, some lenders like it that way. They will quote a low interest rate but not the points and loan fees involved. They won't take the time to educate a borrower on the differences between variable rate financing and fixed rate financing. They won't fully disclose all the charges that are incurred during the life of the loan.

      The lesson here is to get everything in writing and review it with a trusted advisor. Most reputable lenders will issue a proposal or term sheet that includes detailed information about payments, fees, terms, security, etc.

      Option III: Take out a commercial business loan for franchise financing. This option tends to offer the greatest flexibility to most franchisees. Franchise loans are typically secured only with the assets of the franchise, leaving all personal assets unencumbered. Pay close attention to what franchise assets are being used as security (See the story under option II).

      In terms of the true, all-in cost of this type of financing, as we mentioned under Option II, this can be a complex subject. All of the items mentioned in connection with Option II apply here with option III. Get proposals in writing, review those proposals with a trusted advisor, and make a fully informed decision.

      About InSource Capital Services, Inc. We specialize in franchise financing. As proud members of our local Better Business Bureau and the NAELB, we promote and subscribe to a Business Code of Ethics. We are committed to "raising the bar" when it comes to fair and honest business dealings with all of our clients and business partners.

      Features of our Franchise Financing programs include:

      • Fixed rate loans to 84 months
      • No outside collateral, other than the assets of the franchise and your good credit
      • Pre-Funding, we can pay your Vendors
        Instant Background Checks
        We live in a 'fast-food generation' information-age, technology-driven society and time, where prompt access and consistency of information is gradually becoming more complex and difficult. An instant background check provides important information to help an individual or company make informed decisions regarding the hire of a candidate. Software's equipped with a huge database helps a person get instant results. Such instant information is essential for facilitating smart effective decision-making. Instant background checks are presented on-demand, through sign up at most online sources of background verification services. This is irrespective of the motivation, scope, nature or purpose of a persons instant background check. The information asked for is obtainable easily, expeditiously and fast.Many s
        g and included the phrase "all future locations" in the lien filing. Those three little words meant that any and all locations this franchisee would open at any time in the future were going to be considered security against his original loan! We were eventually able to resolve this but needed to negotiate a subordination agreement with the original lender.

        The lesson here is to be very careful about what the lender actually uses as security on the loan because it may limit your options in the future.

        In terms of the true, all-in cost of the financing, this can be a complex subject. Unfortunately, some lenders like it that way. They will quote a low interest rate but not the points and loan fees involved. They won't take the time to educate a borrower on the differences between variable rate financing and fixed rate financing. They won't fully disclose all the charges that are incurred during the life of the loan.

        The lesson here is to get everything in writing and review it with a trusted advisor. Most reputable lenders will issue a proposal or term sheet that includes detailed information about payments, fees, terms, security, etc.

        Option III: Take out a commercial business loan for franchise financing. This option tends to offer the greatest flexibility to most franchisees. Franchise loans are typically secured only with the assets of the franchise, leaving all personal assets unencumbered. Pay close attention to what franchise assets are being used as security (See the story under option II).

        In terms of the true, all-in cost of this type of financing, as we mentioned under Option II, this can be a complex subject. All of the items mentioned in connection with Option II apply here with option III. Get proposals in writing, review those proposals with a trusted advisor, and make a fully informed decision.

        About InSource Capital Services, Inc. We specialize in franchise financing. As proud members of our local Better Business Bureau and the NAELB, we promote and subscribe to a Business Code of Ethics. We are committed to "raising the bar" when it comes to fair and honest business dealings with all of our clients and business partners.

        Features of our Franchise Financing programs include:

        • Fixed rate loans to 84 months
        • No outside collateral, other than the assets of the franchise and your good credit
        • Pre-Funding, we can pay your Vendors
          How to Translate Any Website into Almost Any Language for Free in .002 Seconds
          You’ll love this tip today.As I run an international business, I have customers in over 40 countries around the world and they don’t all speak English.So, enter Google.com, ever heard of them? Of course you have, but did you know they want to translate your website for free?You can type any phrase, and paste it into google translator, and they do an accurate, but not exact translation, which in most cases, gets the point across.If you have a website in English and want to see it in Spanish you can type the web URL into a form and they translate the whole site into ALMOST ANY language.Try this test….Go to http://www.google.com/translate_tThen, in the “translate a webpage&rdqu
          e financing. This option tends to offer the greatest flexibility to most franchisees. Franchise loans are typically secured only with the assets of the franchise, leaving all personal assets unencumbered. Pay close attention to what franchise assets are being used as security (See the story under option II).

          In terms of the true, all-in cost of this type of financing, as we mentioned under Option II, this can be a complex subject. All of the items mentioned in connection with Option II apply here with option III. Get proposals in writing, review those proposals with a trusted advisor, and make a fully informed decision.

          About InSource Capital Services, Inc. We specialize in franchise financing. As proud members of our local Better Business Bureau and the NAELB, we promote and subscribe to a Business Code of Ethics. We are committed to "raising the bar" when it comes to fair and honest business dealings with all of our clients and business partners.

          Features of our Franchise Financing programs include:

          • Fixed rate loans to 84 months
          • No outside collateral, other than the assets of the franchise and your good credit
          • Pre-Funding, we can pay your Vendors directly
          • Credit approvals in as little as 5 working days.
          Our commitments to all members of the franchise community include:
          • Fast Turnaround Times
          • Clear Answers to your Questions
          • Competitive Rates
          • Honesty & Integrity
          • Finding a Way to get the job done!