Accounting Outsourcing Services For Small Businesses

Accounting is part and parcel of all the activities related to running a business. It is an important yardstick by which you can measure if your business has performed well. Small business accounting, in particular, is very important, because it gives small business owners an idea of where they stand, what costs need to be controlled, having an eye of day to day expenses etc. In essence, proper accounting helps a small business owner to manage and record his finances in a better way. If you are still wondering as to how and why accounting is important for your business, read below:

Good source for external financing

If you are a small business owner and want to expand your business, you would obviously approach banks and other financial institutions for loans. Proper accounting practices help you a great deal here. If you have managed and recorded your accounts properly, it gives credibility to your business and fetches you quicker loans. In the absence of proper accounting procedures, your reputation is at stake.

Tax savings

If you have strictly followed all the small business accounting procedures, it becomes easy for you at the time of tax payments. You can prepare your tax returns and file them easily because you can easily calculate your income, expenses and other investments from your books of accounts. If you have not maintained proper accounting procedures and not recorded your day-day expenses correctly, it could result in incorrect tax payments and unnecessary confusions for you.

Tracking growth

If you want to know how far you have come from where you started off, maintaining proper accounts is the only guiding factor for you. When you trace your income and expenses over a particular period, you will know whether your business is running at a profit or loss. Therefore preparing the final accounts properly will help you to decide whether it is really worth continuing your business or not.

Time savings

If you don't have the time or the expertise to do small business accounting, try outsourcing the operations to an outsourcing agency that specializes in this field. This agency has the resources, expertise, experience and technology to manage your accounts in a timely manner, thereby giving you immense relief. When meticulous accounting is done by these professional agencies, you will be able to run your business properly, pay taxes on time and overall have a healthy control on your business.

Reasons That Make Invoice Factoring a Better Financing Option

Preparation is a key aspect of every successful venture. Agreeing to it, as the businesses bloom from a bud to a beautiful flower, they often face the need of extra funding for various purposes. There are a plenty of reasons like expansion, marketing purposes, meeting payroll or other miscellaneous expenses, however, all these requirements instigate the need of extra funds for which opt for various financial services.

There is a range of options available for companies to source extra funds from outside, some of which are conventional while others are contemporary. In the recent times, the concept of invoice factoring has gained immense attention because of its wide array of benefits that surely makes it the most lucrative option. Following here are certain reasons that surely indicates that invoice factoring is the most beneficial form of external business financing.

Rapid Liquidity

Very similar to debt trading, which mainly occurs while dealing with finance companies, banks and investors, invoice factoring generates immediate cash for businesses seeking an alternative to the traditional bank lending. Availability of required capital is immediate in comparison to application of credit to banks for small business loans, which assures coverage of the expenses such as payroll, equipment, rent and utilities.

Competitive Rates

By trading the invoices to the factoring company, the entrepreneurs get the opportunity to sustain their short-term business financial obligations. Alike traditional commercial bank financing, the rate terms of invoice factoring differs depending on which specifications of the chosen company.

Personalized Search Help

With the invoice factoring industry, there are both consultants and companies that offer the bidding forums and services related to private search on basis of specific business requirements. With a number of factors to choose from, companies looking for the most lucrative deal for invoice factoring might find the need of brief researching, which in general, is quite daunting for the small business owners. However, with the help of a B2B broker or a good consultant, the companies can surely cut the chase.

Operational Maintenance during the Phase of Billing Cycle Drought

This particularly relates to management of accounts during the delay of a billing cycle. The process of invoice factoring provides cash for expenditure, which might otherwise compel the owner to opt for a sale of the business or its temporary or permanent closure. Serving as a secondary supply of commercial financing, factoring helps struggling companies to stay afloat in times of poor performance or late payments by creditors or other payers.

Balance Sheet Stability

Factoring does not typically show up on balance sheet of the company as debt. The accounts receivable factoring is a workable option for ensuring that the balance sheet remains on target. The concept of cash flow is a complex mechanism to make sure that the business is capable of resolving the accounting expenditure in a standard fashion.

It is true that each option comes with certain inconsistencies and generally, nothing is perfect. However, for companies with the urge to source business funds from outside and considering the various options like Small Business Loans, financial institutions and many more, this method lets them get funds with ease and augment their business like never before.

Four Tips to Visit Car Dealers Like a Pro

Shopping for a new car does not have to become and overwhelming experience. Use the four tips to get the most out of your experience.

1. Know what you are looking for.

Start by asking yourself why you are buying a car. This may seem like a no brainier, but truly think about what you use your vehicle for currently, and what you may use it for in the future. Do you travel long distances frequently? Do you plan on starting your own business in the near future? Do you plan on starting a family? Doing more outdoor activities? By considering what you will be using your automobile for in the next couple years, you can make a selection that includes features best suited to fit your lifestyle. It's important to avoid buying a vehicle solely because you like the style if it does not also meet your current or future needs.

2. Do your research.

Once you have decided which car you like, read reviews and do some research on the value. It is important that you know what you should pay for the vehicle you are looking at. What does a good price look like for both the new and used model? Most importantly, what is the average price other buyers have paid for the same vehicle? This will allow you to spot a good deal when you see it and avoid being overcharged when visiting car dealers.

3. Contact your local car dealers before you visit.

Check out your local dealerships' website, or call them to find out what their inventory contains. Narrow your list of dealers to visit to those that carry the model you are looking for. Then, find out which car dealers have the best price on the automobile you want. You can ask over the phone, or send an email asking what their best price is. Let them know you are intent on buying and that you are doing some comparison-shopping between dealerships. They all want your business, so by making them compete you can potentially lower the price. Also, find out if they are running any specials, and read the customer reviews of the dealership.

4. Know how to get the best deal.

There is always room to negotiate on the price of the car, the interest rate, and on the monthly payments. Make sure that you know your credit score before you buy, that way the car dealers cannot tell you that your credit score does not qualify you for a lower rate. You can also consider getting financed by a bank or another lender, rather than taking the in-house financing from the dealership. Find out if you can get pre-approved for an auto loan from an outside lender, and what the interest rate would be. That way, if a dealer offers an interest rate of say, 7%, but the bank offers 5%, you could save thousands over time by going with your outside financing. You can also use this as a tool to drive down interest rate before accepting the in-house financing.

Don't Run Out of Cash: Why More Businesses Are Opting for AR Financing

In the recent years, account receivable (AR) loans/financing have gained immense popularity. A fast way of arranging money for operational purposes or expanding businesses, several firms are turning towards AR financing. This method provides fast cash while also ensuring that a business's financial profile appears in a good light. The benefits of account receivable financing options don't end here, read the below points to know how AR loans can save a business from witnessing a doom's day scenario of running out of cash!

1. Quick financial help: The principal benefit of AR financing is that it offers an organization the opportunity of procuring monetary aid from a commercial finance company in order to immediately meet the pending production or operational expenses. Unlike loans that are rendered by banks, AR loans do not require months to be sanctioned and the proprietor can get working capital against his credit sales.

2. It is a credible way of expanding your firm: Unlike short term internet loans that give a small loan and take repayment on a daily basis, AR financing is a traditional form of financing that truly grows with your business and has proven itself as a credible form of support for large and small businesses. As you pay your bills and payments on time with the extra cash flow the AR financing provides, your credit rating in the market improves, instilling trust in your stakeholders. With a remarkable record in the market, you can expect your clientele list to increase soon.

3. The sole proprietor remains with you: If you are taking aid of venture capital, you might be relinquishing your equity, which is certainly not the case with obtaining account receivable financing. Neither you share the decision making power nor your venture. You still remain the primary decision maker. Funding through venture capital mean surrendering your claim to a certain percentage and losing control over your business's operations.

4. It lets you focus on the bigger picture: With sufficient money being available at your disposable to meet all immediate expenses, you can thoroughly focus on your future plans of either extending your product line or capturing new locations. You can work with complete peace of mind, concentrating entirely on the performance and productivity of your venture instead of worrying about financial issues.

AR financing option can be explored by businesses of all levels; whether you are mid-size company or a well-established name in the market, you just have to locate an experienced commercial lender or factoring company that has been well established and can provide your business the flexibility it needs. The details of your AR financing can be all worked out once you have found the right company.

Accounts receivable financing is one form of business loan for securing fast working capital. This pro-business loan uses your company's accounts receivable as collateral. By selling outstanding invoices at a discount factoring company or AR financing company will be able to provide your business with immediate cash flow.

How to Finance a Small Business With Ease

Thinking of financing your small business? Need tips? Why not read this article and avail yourself to some basic guidelines & principles that will help you carry out the complete with ease!

Believe it or not, financing is one of the most intimidating and challenging tasks to carry out when it comes to escalating your business!

Whenever you start a new business, it is important that you put together a few strategies that can help you secure the financial assistance, which plays a great part when it comes to running your business successfully. Once you find the right lender or investor to help you get your funds approved, you must identify your business needs and find the right solutions in order to take your business to the next phase.

A few steps that need to be done when it comes to financing your start-up business.

Step #1: Personal Savings

Personal savings play a great part when it comes to starting a new business. It is important that you put in your personal contribution first and then move on to the next big step, i.e. 'taking loan from a bank' or 'lending money from lenders or investors'. If in case you're not willing to put in your own money first because of your financial condition or whatever the reason is, you must take advice from your family members, friends or office colleagues in order to find an ideal finance solution to deal with all your needs.

Step #2: Identify all your needs

If you're about to finance your start-up company, the first thing you must do is identify all your essential needs and make the necessary strategies to fulfill all those requirements. Also, you must think about sustaining your business in terms of both supplies and equipment.

Step #3: Explore your options

When it comes to finding a right source for borrowing money, there are plenty of options to choose from which include commercial banks, credit unions, commercial finance companies, and more. Also, you can approach different business capital firms or make partnerships in order to finance your business effectively. No matter what choice you make, it is important that you learn as much as you can about the basic steps that are involved in the process of taking loan from a government /private firm or a person.

Step #4: Create a business plan and then execute it meticulously

Once you've carried out all the above written steps, then comes the turn to create an effective business plan. This includes understanding your intentions on how to finance your business, how to expand it, determine what exactly you want to achieve through your trade, how to meet the specific goals, determine the financial objectives, and much more.

Steps To A Wealthy Mindset

1. Redefine What Wealth Means for You.

Being "rich" simply is a term for many people. Technically, wealth or being wealthy is defined as having an abundance of resources or possessions. The high life does not equal wealth. Having a gigantic mortgage for a beautiful home or a huge car payment does not equal wealth.

Are status symbols your end goal? Does wealth for you mean that ability not to worry about bills or how much is left in your checking account at the end of the month? Does it mean providing comfortably for your family or being free from financial worry?

Does it mean the ability to afford luxury designer goods or getting a membership to the local country club? Being rich or being wealthy can also mean you enjoy a comfortable retirement. Maybe to you wealth means something totally different.

Your definition of wealth goes a long way towards setting your goals.

2. Learn To Hold Off Gratification

In today's culture everyone expects instant gratification, we all wants things NOW NOW NOW.

However, a wealthy person knows how to delay gratification and sacrifice the now for later. This often comes with a positive attitude towards work and wealth, such as: "If I invest now, I will make 30% more later."

The wealthy do not only think of now, they plan for the future. Long-term thinking over short-term. The present is merely an opportunity.

Change your mentality about spending. Do you really have to have that (place object here) now? The truly rich hold off gratification, knowing that what is trendy, popular or a must have today may not last until tomorrow.

3. Learn the difference between having a high income and being truly wealthy.

High incomes do not necessarily mean that you are rich, especially if this income comes from only one source.

The myth persists that you can only be truly wealthy if you come into family money or are born into a home of silver spoons, silk sheets and antique furniture. Continue to believe in this myth, and you still have the mindset of the broke.

Most people also believe that a high income job is the end-all of their problems and work their butts off to get to a position that pays in five or six digits but end up baffled at how little they have by the time retirement rolls around.

For example, the average high level manager earns $200,000 a year, with benefits but stands to lose that income in the event of layoffs or illness.

Although his income earning potential is high, it only comes from one source.

Contrast that with a middle level manager earning $50,000 a year. This middle manager, however, rents out properties in the city for another $500,000 and reaps dividends from stocks and bonds for another $100,000 a year. In the event of illness, death or mass layoffs, half of his earning potential is still secure.

The source of the latter's income is also easily passed on to future generations, securing wealth for the middle level manager's family.

4. If you're starting a business know when to hold off, reassess and quit.

Investors will say no to your idea, but not all of them.

Those with a poor mindset go to the bank for a loan, get rejected and never think about their idea or opportunity again. The wealthy mindset goes to the bank for a loan, gets rejected, redrafts the proposal and returns to get the approval.

The poor mindset goes into business not knowing the risks of the deal and is baffled when the fallout occurs. The wealthy mindset goes into a deal, knows the risk and gets out if things are going bad.

Always follow your gut and do your research. Know when to back off from risky or unethical deals will not only take your money but have effects of your freedom.

5. Use Your Subconscious to Manifest Your Financial Destiny

The wealthy know that before you can be physically wealthy, your mind must be thinking wealthy too.

Create dream posters by cutting out pictures of your dream status or quotes that inspire you.

Never underestimate the power of your will and mind.

Wealthy people never say they cannot do it, they think of ways so that they can. Instead of thinking "I can't afford that", think to yourself "HOW can I afford that?"

Write down 10 things you want when you're wealthy every morning right after you wake up. The key part is to write them in the present tense, "I have... ".

The act of physically writing this list and seeing your dreams in black and white will engrave your desires into your subconscious and motivate you to take action towards them every day.

The truly wealthy consider their mind as the foremost asset. They also tend to invest in their mind, especially when it comes to education. Visualize yourself to be the millionaire, entrepreneur and successful person you want to be.

Some Basic Tips For Choosing a Bank

The bank you choose to hold your money involves some exploration and consideration. Research various institutions to find the best one that fits your account and lifestyle needs. Safety and reputation are two important factors to consider when you make this decision.

Determine Your Financial Needs

Your financial needs are an important factor in the search for a bank. Opening checking and savings accounts is a common practice for many consumers. Some people prefer to bundle all their financial activities with one institution and if you also have loans such as a mortgage, car loan, home equity line of credit, and person loan, you might prefer to open checking and savings accounts within the same business.


The credentials and reputation of the institution should also factor into the decision. Larger banks are generally a reliable choice due to FDIC deposit insurance. Check with the Federal Deposit Insurance Corporation to find out if a business is insured under this coverage.

Think about Physical Convenience

Physical convenience can be a key consideration in this decision. You might opt for a location that's convenient from your place or work or your residence. Consider extended hours offered by some institutions if you work alternative shifts and you cannot visit during regular business hours. Online services can help with many types of transactions, offering services such as bill payment, automated deposits, and access to balance information. Find out about the location of ATMs you can use for no or low fee transactions. Some banks are national companies, providing customers with access to service and accounts from virtually anywhere in the country. Other businesses are local, providing no ability to travel and visit brick-and-mortar branches.

Explore Fees and Service

Every bank has a unique structure for fees and services. You will need to contact any institution you consider to find out these important details. Ask about account fees, minimum balances, ATM fees, overdraft protection, and overdraft fees. Find out how the they handle international travel to see if you will be able to get assistance with foreign currencies. Some businesses offer more services than others, some involving additional fees and some not.

Consider Personalized Service

Choosing a national company can afford you many conveniences. However, it's important to realize that you may sacrifice some personalized service with this decision. A variety of services from a national business may be fine for many consumers. If you prefer a more personalized touch with a hometown brick-and-mortar branch, you may be happier with a local entity. Anyone with a busy lifestyle and a variety of financial activities such as IRAs, loans, credit cards, and online bill payments may be better suited to a large, national company. People with simpler lifestyles might opt for a local business instead.

Questions to Ask Yourself Before Trying Any Network Marketing Venture

Whether you are looking for an income in this difficult economic environment, or you are ready to move on to bigger and better things, or even if you are just waiting to find a good enough reason to leave your current job, the decision to actually leave, and to take that next step of starting your own business, is really quite difficult.

You must ask yourself some questions before you really do finally decide to make the change from a business worker to a business person.

Q#1-The biggest obstacles new companies must overcome are finances, product, and price. How will you overcome them?

Make sure you have enough money to see you through your first year. Either through your own personal money, business and personal loans from banks and other such lending institutions, and personal loans from friends and family are surely the most commons ways to get money. Of course, you can always play the more desperate route, that of selling things that you own.

Find out through research, marketing, and networking what people want and need. What they are willing to spend money for.

Some suggest to price your item well below the average, some right in the middle of the average price, and some even suggest that you price it above average. All three methods have worked for all sorts of different products and services. People are willing to pay slightly higher prices for better quality, so don't be afraid to increase prices as needed, or to start with a higher price tag to reflect the higher quality level.

Q#2-How dedicated are you to the success of your new business venture?

Some people claim to have stopped at nothing to get their business off the ground. However, that is rather unlikely if you stop to think about it. Everyone draws a line somewhere, and that line is often touted when you are trying to make a few extra dollars for yourself. Dedication is great. It is the heart of your commitment level. Self-discipline and due diligence also play pivotal roles. Evaluate where you stand before you take the first step.

Q#3-Do you have the right qualifications, and can you acquire those you don't have?

Customer service, cold- and warm-calling, leadership experience. They're all vitally important to struggling new businesses. Yet, they are also very possible to learn. It helps having experience in these fields, but it also helps to be trained to further enhance your personal capabilities.

Q#4-Look to the future. At what point in the future would you start receiving a steady stream of income?

Most businesses, no matter how successful, take a while to reach that success plateau. A minimum of nine months, up to a year or more, is quite normal for any new business just to break even. Can you afford to not have very much income right up front? How long would you have to wait until you don't have to worry about your finances any more?

Q#5-How will you market yourself and your new business?

Not only will you have to market your company's product or service, but your network marketing business will force you to market also the business itself. Especially if you want to make consistent, and often increasing, residual income. Websites, internet presences via social networking sites, and advertisements in the local newspapers are just not enough. To really and truly succeed, you must be able to market yourself, your product or service, and your business opportunity!

Q#6-Why do you want to do it in the first place?

Waiting for the best possible moment or opportunity, or trying to get closer to your children are not the best reasons, nor are they the most motivating ones. (Sure, spending time with your kids is important, but in business, it's not about the children.) However, if you have the appropriate motivation, you certainly have strong enough motivation to get you through your business beginnings., and the highs and lows of it.

Q#7-How will you find and create prospects?

For network marketing businesses to do well, they are required to have numerous leads and prospects at all times. And, this is even more important when your business is brand new! There are so many options available to find and acquire these prospects. Use whichever is most favourable for your product or service.

Both you and your family and friends must know, and understand, that your business must be taken seriously, especially at the beginning, for it to really blossom to its fullest capacity. Everyone must be willing to give you the time that you need to get your business into a profit-generating mode.

2 Methods of AR Financing: Advantages for Small-Scale Firms

Many of the small-scale firms need financing through a reliable source as many of them do not have angel or equity investors as a feasible option or cannot successfully attain a bank loan. However, due to the need of additional working capital in order to meet their daily operational expenses easily, they can explore the option of procuring an account receivable (AR) finance program for help.

Provided by commercial finance institutions, AR financing is an effective alternative to bank financing. Some banks do have an option of providing AR loans to small sized firms, but they have very strict qualifying requirements that often hamper getting the funds your company needs (and quickly).

The owners of small-scale businesses can take AR financing through two methods that have been explained in detail to help you decide how to proceed.
  • Pledging Accounts Receivable
This method involves using your sales invoices to your customers as a collateral to get a fast funding for your business. It involves assigning over your account receivables to the lender company, while your company is still responsible for collecting money from your debtors and handing it over to the financing company. The lender will take into consideration the aging period of your company's account receivables and depending on it, they would scan all your bill receivables and then create an advance table based on the eligible invoices/bills. Invoices that you have failed to collect even after the deadline will not be considered as this can increase the possibilities of non-payment of the AR loan. On the basis of the total amount of invoices, the lender would sanction your loan amount which can usually be drawn against any time during the month.
  • Factoring Accounts Receivable
The second method of AR financing involves selling off your account receivables/invoices to the lender instead of offering them as a security against an AR loan. The advantage of this method lies in the fact that the lender or the factoring company would be responsible in many cases for recovering the amount from the debtors and handling customers that default. In the initial phase, the firm who has given you the loan will provide 70 to 80 percent of the account receivable amount to your business in advance whereas the remaining balance due on the invoices would be paid only after all your ARs have been received in full payment. You might have to pay a little more than the bank, but the qualification requirements are much less and the advances are much easier to get.

An AR financing option can be explored by businesses of all levels; whether you are mid-size company or a well-established name in the market, you just have to locate an experienced commercial lender or factoring company that has been well established and can provide your business the flexibility it needs. The details of your AR financing can be all worked out once you have found the right company.

Loans for Life - A Guide to Common Types of Loans

Before taking any action that involves the loaning of funds, you need understand the level of responsibility that comes with paying them back. If you're considering taking out a loan for college, to buy a car or home, or to start a business, read this article first. This guide reviews the pros and cons of common types of loans and can help you make your decision.

Car Loans

The first thing to consider is the source of your funds. Most car dealers offer on-site financing through a lender at signing, or you can borrow money from a bank or credit union. No matter where you borrow from, pay attention to how long you'll be paying and the interest rate. You should also inquire about different options and possible rebates. Research and compare several different financing options, and request quotes from a minimum of three lenders. Some financing options allow zero percent financing, but no-interest agreements come with hefty monthly payment and can be too expensive for many people. Low monthly payments typically indicate a high interest rate and will cost you more in the long run. Finally, you're going to want to size up your down payment as much as possible. The more cash you're able to put down on your vehicle, the better. Making a large down payment keeps you from becoming upside down, or going "underwater", on your loan.

Student Loans

Before even applying, you need to review your eligibility. Your eligibility refers to your ability to meet the minimum requirements for qualification. For the credit portion, most students need a cosigner, usually a parent. Now, consider who will be responsible for paying funds back. Unless you default, you or your parents will have this responsibility. Next, think about interest rates. Repayment terms are terms outlining your payment plan, and should be carefully reviewed and understood. Most lenders require a promissory note, which is a contract promising that you will repay all of the borrowed funds. Finally, be aware of loan limits that define your boundaries and restrict the amount of money you are eligible to receive under a single program.

Small Business Loans

Another common reason for borrowing is to start a small business. The first thing to think about is the state of your credit. Look up your FICO score, and if it's unsatisfactory take time to build better credit for attempting to borrow. It's even helpful to offer your own credit score for review. Prove to lenders that you have the discipline to repay them. You also need a solid business plan and a strategic marketing plan by giving the lender a clear picture of your prospective business. If you've never made a business plan, there are online tools available that can help. In addition to a profile of your business, give potential lenders a profile of yourself in the form of a strong personal resume. Sell your business, but also sell yourself as an owner. Finally, before attempting a loan, make sure all personal and professional financial statements are accounted for and available.

Borrowing money for any venture is a serious decision. Do not borrow funds unless you are financially stable enough to repay them, and review all financing options before jumping into a lending agreement. Good luck with all your financial endeavors!

The Fast and Essential Tips For Choosing Small Business Startup Loan

If you wish to start your small business and if you find it difficult to run it due to lack of money it is advisable that you should take the initiative to secure a small business startup loan as quickly as possible. This article will highlight on a few things that you should consider in order to get this kind of fund in the best possible way.

The first step that you should follow is to assess your credit score in the best possible way. In this matter also, it is advisable that you should seek the help of an expert professional without any kind of hesitation. It is often seen that those who have acquired poor credit record take the help of expert professionals in order to handle this kind of problem.

Once you seek help of this type of professional to evaluate this kind of scenario, your next step is to talk to your friends as well as your family members. However, there are several people who do not wish to take any kind of monetary assistance from their friends or from their family members. It is vital to remember that you can always seek the help of your friends or your family members and that they too may feel happy to help you during your crisis.

Your next step is that you should try to acquire some sort of credit such as credit card or even telephone bill on behalf of your own business. It is vital that you should also pay these bills within the scheduled period of time. If you do so, there is possibility that you will earn the reputation of an honest businessman who runs his business effectively and who also pays his bill at the right time. If you wish to avail this type of fund, it is advisable that you should send a report of the details of your transactions to credit reporting bureaus.

In order to get this type of fund, it is vital that you should fix up your personal credit as quickly as possible. It is vital that you should improve this type of record as quickly as possible. If you have poor credit record there is possibility that your loan application will be rejected by a bank or other conventional financial institution. It is advisable that you should always take the initiative to improve it before you approach a bank or other traditional financial institution.

If you wish to acquire this type of fund, it is advisable that this type of record will be considered to be a vital thing. There are a few finance companies who consider it seriously before they actually provide small business startup loan. All you have to do is to try to improve it before you actually ask for this type of fund in order to operate your own business. It is vital to remember that you do not have a huge amount of money in order to run it successfully, but it is vital that you should have some amount of money that you can show it to your potential lender and that you should convince him to give it to you as quickly as possible.
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