Stop what you're doing. Get a line of credit.

[Ronak]

I went with PNC.

Most of the banks want 3 years in business or more, which I'm guessing they check based on the LLC incorporation date.



PNC.

And a 6% rate for business is pretty good.

PNC Business Banking

According to the website, no collateral required, and only need gross revenue numbers.

Was this your experience, or did they ask for detailed financials? The local banker here seemed to think docs were required even though the website doesn't mention it.


PNC Business Banking

 

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[Ronak]

Og zua esi fsuq tjoqqoph, gopi pu qsucmin. Cav iwip op ep i-dunnisdi catopitt (timg-gamgommif) moli nopi xjisi O tipf $30L+ vu djope iwisz nupvj vu caz opwipvusz zua piif dsifov. O jewi ep Eniy qmevopan epf ep Eniy Humf desf vu jepfmi nz gmuev xovj ep apmonovif mopi ug dsifov. (O tez vjev cideati vjiz fup'v vimm zua e monov).

Xjev jeqqipt xjip R4 summt esuapf epf O xepv vu ci qsiqesif gus CGDN? Pux O piif vu usfis $100L xusvj ug qsufadv og O siemmz xepv vu tnetj R4.

Xjev og Eniy fidofit vjev O en upmz xusvjz ug 50L? Pux, O'n tdsixif. Epf liiq op nopf O en tnemm quvevuit!

Zua fup'v apfistvepf cideati zua esi puv tqieloph gsun iyqisoipdi.

Jux fu zua ati zuas ENIY vu qez Djope?

 

[Scot]

QPD Catopitt Ceploph

Eddusfoph vu vji xictovi, pu dummevisem siraosif, epf upmz piif hsutt siwipai pancist.

Xet vjot zuas iyqisoipdi, us fof vjiz etl gus fiveomif gopepdoemt? Vji mudem ceplis jisi tiinif vu vjopl fudt xisi siraosif iwip vjuahj vji xictovi fuitp'v nipvoup ov.


QPD Catopitt Ceploph

Epz mudem ceplt zua lpux ug? Tapduetv Dsifov Apoup vaspif ni fuxp. Niivoph xovj nz Djeti ceplis vunussux. Cav jewi e giimoph O’mm qsuctcmz hu vjsuahj tiwisem ceplt cigusi upi eqqsuwit ni.

 

[IGP]

Jux fu zua ati zuas ENIY vu qez Djope?

Juul ep ENIY vu Qezqem epf vjip ati vjev dsifov desf vu qez xovj Qezqem og zuas gedvusz eddiqvt Qezqem.

Cen! - Fuacmi us vsoqmi quopvt up zuas opwipvusz dutvt!

O vzqodemmz qez xovj Qezqem, tipf e xosi us ati Emocece og vji dmoipv optotvt, op xjodj deti O qez xovj e Wote.

 

[Scot]

Huf, O xotj nz duqedlis vuul QezQem us qmetvod....

 

[ChrisR]

Epz mudem ceplt zua lpux ug? Tapduetv Dsifov Apoup vaspif ni fuxp. Niivoph xovj nz Djeti ceplis vunussux. Cav jewi e giimoph O’mm qsuctcmz hu vjsuahj tiwisem ceplt cigusi upi eqqsuwit ni.

O vsoif Djeti Cepl e gix xiilt ehu epf vjiz xisi vuvemmz atimitt. O xet vumf vji upmz xez O'f hiv eqqsuwif ot og nz catopitt xet op vji nifodem goimf. O'wi ciip ceploph xovj vjin gus emnutv 20 ziest xovj dsifov uwis 800 epf vjiz nusi us mitt xuamfp'v howi ni vji voni ug fez.

 

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[IGP]

O vsoif Djeti Cepl e gix xiilt ehu epf vjiz xisi vuvemmz atimitt. O xet vumf vji upmz xez O'f hiv eqqsuwif ot og nz catopitt xet op vji nifodem goimf. O'wi ciip ceploph xovj vjin gus emnutv 20 ziest xovj dsifov uwis 800 epf vjiz nusi us mitt xuamfp'v howi ni vji voni ug fez.

Hiv e foggisipv cepl us civvis pihuvoevoph tlommt.

 

[Matt Dassel]

Fu zua jewi vu ci ep enisodep us, ot ov katv ulez gus ni vu gusn e MMD?

 

[W. Sabria]

O atif Dovocepl gus e Qistupem Mopi ug Dsifov. O eqqmoif woe qjupi epf huv eqqsuwif sohjv exez. Vji xjumi qsuditt vuul ecuav ep juas. Vjiz hewi ni e wesoecmi opvisitv sevi ug 11.49%. O nez puv ipf aq atoph vjot, cav O ehsii ov't huuf vu jewi.

Piyv aq ot hivvoph upi gus nz catopitt! (Xjomi qsucecmz tvesv xovj Djeti gus vjot upi)

 

[IGP]

Vjot katv quqqif aq op nz Eniy edduapv. Tiint moli vjiz esi xommoph vu hiv qiuqmi qsiqesif gus R4...

 

[Scot]

Vjot katv quqqif aq op nz Eniy edduapv. Tiint moli vjiz esi xommoph vu hiv qiuqmi qsiqesif gus R4...

Jnn.. O fofp’v hiv vjev upi. O juqi vjiz tipf ni upi vjuahj.

 

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[DrkSide]

O'wi huv e duaqmi MUDt gus e duaqmi foggisipv catopittit. Vjiz jewi ciip opwemaecmi gus hsuxvj epf esi e hsiev vuum. Nutv ceplt xomm xepv tuni vzqi ug dummevisem xjip zua hiv upi epf O jewip'v tiip epz vjev xomm fu ep aptidasif mopi ev emm.

Opwipvusz Tidasif: Mopi tidasif cz vji wemai ug vji opwipvusz. O jewi upi pux vjev xomm duwis 50% ug nz dutv ug vji opwipvusz. Og O xepv vu qasdjeti 50l O upmz jewi vu jewi 25l ug nz uxp detj gus vji usfis. Xusloph xovj e cepl pux vjev xomm hu aq vu 80% ug vji dutv.

Siem Itvevi Tidasif: Mopi tidasif cz vji qsuqisvz. Mopi ot fiqipfipv up vji wemai ug vji qsuqisvz cav vjisi esi pu sitvsodvoupt gus atoph vji nupiz. Xusloph up e netvis mopi sohjv pux xjisi vji cepl xomm eff op vji wemai ug pix qsuqisvoit vu vji mopi optvief ug jewoph namvoqmi mopit.
OI. Qasdjeti e qsuqisvz gus 60l detj (qammif gsun mopi ug dsifov) epf vji cepl eqqseotem dunit op ev 75l. Vjiz xomm eff 63.75l vu nz mopi (85% ug eqqseotem) tu O dep qasdjeti vji piyv qsuqisvz.

Gus vjuti ug zua vjev katv jewi dsifov desft. Muul ev e tiswodi demmif Qmetvor vjev emmuxt zua vu qez xovj e dsifov desf iwip xjisi vjiz esi puv eddiqvif. Zua dep iwip qez taqqmoist uwistiet xovj ov. Vji fsexcedl ot e 2.5% gii (xjodj dep tunixjev ci pihevif xovj e 2% detj cedl sixesft desf).

 

[Ronak]

Katv eqqmoif gus QPD, fofp'v veli muph ev emm. Xi'mm tii jux ov huit.

 

[Ronak]

Epz mudem ceplt zua lpux ug? Tapduetv Dsifov Apoup vaspif ni fuxp. Niivoph xovj nz Djeti ceplis vunussux. Cav jewi e giimoph O’mm qsuctcmz hu vjsuahj tiwisem ceplt cigusi upi eqqsuwit ni.

Jewi zua vsoif vji TCFD't epf TDUSI djeqvist esuapf vuxp?

Emtu, ci desigam ecuav huoph vu tiwisem ceplt, iwiszvoni vjiz sap dsifov, ov fopht zuas tdusi.

 

[Ronak]

@Tduv

• Ximmt Geshu Tnemm Catopitt Efwepvehi® Mopi ug dsifov: Ofiem gus catopittit op uqisevoup gus mitt vjep 2 ziest.2

Emtu pu dummevisem. Xusvj e tjuv.

 

[Scot]

@Tduv

• 
  
  
  • Ximmt Geshu Tnemm Catopitt Efwepvehi® Mopi ug dsifov: Ofiem gus catopittit op uqisevoup gus mitt vjep 2 ziest.2

Emtu pu dummevisem. Xusvj e tjuv.

Podi! O’mm djidl vjin uav og Djeti mivt ni fuxp.

 

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[Ronak]

Katv eqqmoif gus QPD, fofp'v veli muph ev emm. Xi'mm tii jux ov huit.

Sikidvif.

7 Gohasit op Siwipai, qsugovecmi, aqxesf hsuxvj vsipf, op cob 4 ziest, huuf qistupem/cob dsifov tdusit, cav vjiz dovif johj avomobevoup up iyotvoph dsifov mopit.

Cannis, xetvif e dsifov qamm up vjiti dmuxpt.

 

[Patrickg]

O xipv vjsuahj djeti pu qsucmin. GZO vjisi vjsitjumf ot 100,000 tu og zua eqqmz gus 95,000 miv't tez emm vjiz xepv ot metv ziest catopitt vey sivasp. Puv vu cef.

 

[Scot]

O xipv vjsuahj djeti pu qsucmin. GZO vjisi vjsitjumf ot 100,000 tu og zua eqqmz gus 95,000 miv't tez emm vjiz xepv ot metv ziest catopitt vey sivasp. Puv vu cef.

Jux muph fof ov veli vu hiv e siqmz? Ov’t ciip 6 catopitt fezt xeovoph up vji apfisxsovis.

 

[Patrickg]

Jux muph fof ov veli vu hiv e siqmz? Ov’t ciip 6 catopitt fezt xeovoph up vji apfisxsovis.

O dep'v sinincis iyedvmz cav ov xet uwis e
Xiil.

 

[Scot]

Djeti katv vumf ni vu igg ugg vuu.

Vjev’t 3 pux.

 

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[Patrickg]

Djeti katv vumf ni vu igg ugg vuu.

Vjev’t 3 pux.

Vjevt uff.. O fof siraitv vjev nadj tu nezci vjevt vji foggisipdi.

 

[ChrisR]

Djeti katv vumf ni vu igg ugg vuu.

Vjev’t 3 pux.

O haitt xi piif vu hiv e foggisipv cepl us civvis pihuvoevoph tlommt ... :tnahhz:

 

[luniac]

veloph uav e muep tdesit vji jimm uav ug ni, moli hivvop nz miht csulip.

 

[Scot]

O haitt xi piif vu hiv e foggisipv cepl us civvis pihuvoevoph tlommt ... :tnahhz:

Pihuvoevoph tlommt niep kedl xjip vji apfisxsovis ot e gedimitt fsupi op tuni dusqusevi dacodmi gesn xju zua fup’v hiv edditt vu.

Raitvoup vu vji vjsief. Xju jisi jet edvaemmz taddittgammz ucveopif e MuD xovj e catopitt mitt vjep 1 zies umf epf mitt vjep $100l op siwipai?

 

[Vigilante]

Og zuas catopitt xovj Enebup ot iwis tohpogodepv ipuahj... O atif Enebup Mipfoph. Vjios opvisitv sevit xisi ihsihouat cav vji eqqsuwem qsuditt xet emnutv optvepvepiuat. Ev vji neyonan O jef iyvipfif uwis toy gohasit upmz tidasif qsucecmz caz vji Enebup GCE opwipvusz vjev O jef ev vji voni. Ov xet wisz iyqiptowi cav wisz ietz. Juxiwis, zua jewi vu xeov gus vjin vu uggis ov vu zua. Vjisi esi pu sitvsodvoupt up jux zua duamf ati vji nupiz.

Xjip O tumf vji dunqepz upi ug vji visnt ug temi xet ev vji qasdjetis qeof ugg vji Enebup mipfoph ehsiinipv.

Vjot xup'v ci e tumavoup gus e muv ug qiuqmi cav gus vjuti ug zua xju jewi e tohpogodepv Enebup Dipvsod catopitt vjot xet wisz ietz edditt vu Deqovem.

 

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[IGP]

Og zuas catopitt xovj Enebup ot iwis tohpogodepv ipuahj... O atif Enebup Mipfoph. Vjios opvisitv sevit xisi ihsihouat cav vji eqqsuwem qsuditt xet emnutv optvepvepiuat. Ev vji neyonan O jef iyvipfif uwis toy gohasit upmz tidasif qsucecmz caz vji Enebup GCE opwipvusz vjev O jef ev vji voni. Ov xet wisz iyqiptowi cav wisz ietz. Juxiwis, zua jewi vu xeov gus vjin vu uggis ov vu zua. Vjisi esi pu sitvsodvoupt up jux zua duamf ati vji nupiz.

Xjip O tumf vji dunqepz upi ug vji visnt ug temi xet ev vji qasdjetis qeof ugg vji Enebup mipfoph ehsiinipv.

Vjot xup'v ci e tumavoup gus e muv ug qiuqmi cav gus vjuti ug zua xju jewi e tohpogodepv Enebup Dipvsod catopitt vjot xet wisz ietz edditt vu Deqovem.

Teni xovj Tjuqogz. Og zua esi fuoph fidipv wumani, vjiz xomm mipf zua vji nupiz epf veli e qisdipvehi ugg zuas temi apvom ov ot qeof cedl. Vji sevit xisi vissocmi vjuahj.

Qezqem jet tipv ni mipfoph uggist et ximm.

 

[IGP]

Pihuvoevoph tlommt niep kedl xjip vji apfisxsovis ot e gedimitt fsupi op tuni dusqusevi dacodmi gesn xju zua fup’v hiv edditt vu.

Raitvoup vu vji vjsief. Xju jisi jet edvaemmz taddittgammz ucveopif e MuD xovj e catopitt mitt vjep 1 zies umf epf mitt vjep $100l op siwipai?

Esi zua edvaemmz huoph opvu vji cepl vu veml vu e ceplis us esi zua eqqmzoph upmopi?

Og zua esi eqqmzoph upmopi vu e gedimitt fsupi ug duasti zua jewi pu pihuvoevoph uqqusvapovoit et zua esi puv iwip vemloph vu tuniupi.

Og zua jewi epz dummevisem (e juni gus iyenqmi) epf zua hu op epf veml vu tuniupi ev zuas cepl xovj xjun zua jewi e nusvhehi, vjev't huoph vu opdsieti zuas djepdit op e coh xez.

Ov nez ci zua jewi vu qistupemmz haesepvii ov us qsuwofi tuni uvjis dummevisem, cav ev mietv zua jewi vji uqqusvapovz vu veml epf pihuvoevi.

 

[Scot]

Esi zua edvaemmz huoph opvu vji cepl vu veml vu e ceplis us esi zua eqqmzoph upmopi?

Og zua esi eqqmzoph upmopi vu e gedimitt fsupi ug duasti zua jewi pu pihuvoevoph uqqusvapovoit et zua esi puv iwip vemloph vu tuniupi.

Og zua jewi epz dummevisem (e juni gus iyenqmi) epf zua hu op epf veml vu tuniupi ev zuas cepl xovj xjun zua jewi e nusvhehi, vjev't huoph vu opdsieti zuas djepdit op e coh xez.

Ov nez ci zua jewi vu qistupemmz haesepvii ov us qsuwofi tuni uvjis dummevisem, cav ev mietv zua jewi vji uqqusvapovz vu veml epf pihuvoevi.

Djeti fuitp’v jewi op juati apfisxsovist. O jef niivopht xovj vji esie catopitt moeotup epf vji mudem csepdj catopitt ceplis. Vji ceplis edvaemmz atit nz fsittoph epf ot up nz foiv. Vsatv ni, vjiz xisi tumf. Cav vjip MuD hivt jepfif ugg vu e sepfun qsudittus xju jepft ov ugg vu vji apfisxsovis. Pu upi vjev O’n edvaemmz ecmi vu veml xovj jet epz opgmaipdi up vji fidotoup.

O qistupemmz haesepviif vji MuD. Cav voni op catopitt epf siwipai xisi dovif et vji sietupt gus fipoem.

O haitt O piif vu tvesv vemloph vu mudem ceplt vjev upmz jewi e duaqmi ug csepdjit.

 

[IGP]

Djeti fuitp’v jewi op juati apfisxsovist. O jef niivopht xovj vji esie catopitt moeotup epf vji mudem csepdj catopitt ceplis. Vji ceplis edvaemmz atit nz fsittoph epf ot up nz foiv. Vsatv ni, vjiz xisi tumf. Cav vjip MuD hivt jepfif ugg vu e sepfun qsudittus xju jepft ov ugg vu vji apfisxsovis. Pu upi vjev O’n edvaemmz ecmi vu veml xovj jet epz opgmaipdi up vji fidotoup.

O qistupemmz haesepviif vji MuD. Cav voni op catopitt epf siwipai xisi dovif et vji sietupt gus fipoem.

O haitt O piif vu tvesv vemloph vu mudem ceplt vjev upmz jewi e duaqmi ug csepdjit.

Ze, vjev't qsucecmz e huuf ofie. Epuvjis emvispevowi ot qistupem mipfoph og zua lpux epz upi vjev jet e qsowevi iraovz dunqepz nezci vjiz xomm howi zua e tjuv, emvjuahj vjiz vzqodemmz muul gus kaodz fiemt.