Loan And Grant Package

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The reason businesses get declined for the loans are because they don’t do the things they need to do to qualify in the first place.
Follow the step-by-step instructions in this package and you will very likely have up to $300,000 of which up to $250,000 is in Grant money you never have to pay back.
The Grant office will not be accepting new applicants in 3 months so BE SURE TO SUBMIT YOUR COMPLETED APPLICATION US ASAP!

 LEGAL NOTICE

We strive to be as accurate and complete as possible in the creation of this FREE LOAN AND GRANT PACKAGE, however, we do not warrant or represent at any time that the contents within as accurate due to the rapidly changing nature of lending institutions and Federal Grant Programs.

While all attempts have been made to verify information provided in this publication, we assume no responsibility for errors, omissions, or contrary interpretation of the subject matter herein. Any perceived slights of specific persons, peoples, or organizations are unintentional.

Like anything else in life, there are no guarantees of your business obtaining a loan or grant, how much will be awarded or how quickly. These factors are largely determined by your decision to follow the instructions provided and how quickly you start the process. Readers are cautioned to rely on their own judgment about their individual circumstances to act accordingly.

This package is not intended for use as a source of legal, business, accounting or financial advice. All readers are advised to seek services of competent professionals in legal, business, accounting and finance fields.  We are not a lender, nor do we represent any lending institutions.  We are not financial brokers and our services are 100% free. WE DO NOT charge an application fee, processing fee, success fee or any other fee of any kind.

You certify the information you have provided is based on your business and that it is accurate.  You are legally responsible for loans or grants issued based on misleading information and BUSINESS FORMATION GROUP is not responsible.  By signing below you give us permission to use the information to apply formally on your behalf with www.grants.gov, www.sba.gov, www.mbda.gov and www.dnb.com. Furthermore you acknowledge that BUSINESS FORMATION GROUP is not a broker or lender, will never bill or charge you for the services to apply for the grant on your behalf.  For the portion of loans we cannot apply on your behalf, but your information will be submitted by us to a variety of banks and credit unions who may contact you directly with a formal approval and credit application.


All material here is copy written and is the property of Credit Wise Advisors

Credit Wise Advisors DOES NOT CHARGE FEES FOR FUNDING.  THERE ARE NO ORIGINATION, SUCCESS OR BACKEND FEES THAT HAVE TO BE PAID.  THIS IS A COMPLETELY FREE SERVICE PROVIDED TO BUSINESSES THAT HAVE PROPERLY STRUCTURED THEMSELVES TO MEET THE REQUIREMENTS LENDERS AND THE FEDERAL GOVERNMENT NEED FOR APPROVAL OF LOANS, GRANTS, OR COMBINATIONS OF BOTH. (You will have the option to select one or the other or both in the online form)

GETTING STARTED

BE SURE TO READ THIS


Regardless of whether your business is 1 hour old or 10 years old, every business can qualify to get up to $50,000 in loans and up to $250,000 in grants. Notice we said “UP TO” and not a set amount. If you do what we tell you to do and do it QUICKLY before the rules change, YET AGAIN, the legal loopholes in the system will help you obtain a loan, a grant, or both. Please understand that the lending industry is still trying to recover and therefore a loophole available today may not be available tomorrow. Right now you have a window of about 3-5 months before the rules could potentially change, so time is of the utmost essence!
Businesses get declined for loans or grants because they fail to do the things necessary to prove their business is strong, vibrant and resilient to the dynamic economic strains. It’s usually not the fault of the business owner, because attorneys and tax professionals that do the necessary things to help them get funding usually charge excessive fees that are often in excess of $10,000. If your business is one of the lucky ones that can afford to pay those excessive fees, you still lose up to 45% to lending brokers that charge you backend or success fees, not to mention application fees of up to $500 UPFRONT! These things can make applying for a loan a very expensive proposition. Many smaller businesses simply don’t apply because they are scared off by the process. This is a shame, because the money is available and waiting to be distributed to businesses that qualify.
With more than 20 years of experience in the industry, we know what the banks and government agencies want to see from a business before they approve a loan or grant. Once you complete the steps below, you will have a pre-approval along with terms of the loan within 48 business hours and within 30 business days for the grant approvals.
If your business is lacking any of the necessary items that are listed for pre-approval prior to submitting your application, use the resources we have provided below to find trusted companies that offer those services very quickly. These are the resources that have helped other business owners obtain funding and grants and so we know it works.
I cannot stress this enough. Follow the instructions of this package to the letter. Do exactly what is suggested and provide all the information requested and your
chances for funding will increase by 500%. DON’T WORRY, NO PERSONAL INFORMATION WILL BE REQUIRED.
We will not request any sensitive personal information during this process. We don’t need to because we are not lenders. We provide you with the information that banks and Federal grant agencies are looking for and the documents necessary to get pre-approved for a business loan and/or grant. Additionally, because you are applying for unsecured loans and grant money, no sensitive personal information is required until after you’ve been pre-approved.

THESE ARE THE ITEMS YOUR BUSINESS NEEDS

BEFORE YOU CAN APPLY FOR THE LOAN OR GRANT.

 

HIGH – Unless you completed the items marked HIGH you will not have any chance of funding.
MEDIUM – Unless you completed items marked MEDIUM your chances for funding is minimal
LOW – Unless you completed items marked LOW your chances for funding is good, but the amount awarded will be SIGNIFICANTLY less.

WARNING

DO NOT SKIP ANYTHING UNTIL YOU ARE SURE YOU HAVE THE ITEM IN PLACE

BUSINESS ITEM #1: HIGH HIGH HIGH – DUN AND BRADSTREET CREDIT PROFILE:


Without a D&B report and profile you will not get any kind of funding or grant. If you have a D&B report and profile make certain you have a PAYDEX score of 80 and make sure the information there is all correct. DO NOT, DO NOT, DO NOT provide D&B with financials if you have them because you will be showing your competitors your personal info and if next years’ financials are not better, your scores will drop. Your overall rating should be – – otherwise known as blank, blank. If none of this makes sense to you, go to the RESOURCE we have provided, there are companies that can help you build your own reports and guides on how to do it yourself without spending a fortune, but if you don’t have this, YOU WILL NOT be able to get any type of funding. The process of getting a profile built can take up to 30 business days so start on that right now!

  • Do it yourself business credit profiling click here
  • Don’t have time to complete one of these services? We can help you as we have effectively helped other businesses in the past. Request more information about a service at our services and support contact form
BUSINESS ITEM #2: HIGH – WEBSITE:


You must have a website. In today’s business environment, companies that do not have a website are deemed as a greater financial risk for lenders and for grants. Usually businesses that do not have a website or have a bare bones website that doesn’t reflect the seriousness of the business are seen as unstable.


Your website is normally the first chance you have to make an impression. It’s your opportunity to show that this is not a fly-by-night business idea that doesn’t care if it succeeds or fails. You need to send the message that you are a serious business that is in it for the long haul. You want to let the lenders and grant offices know that the loan and grants you will be applying for are critical to your business’ survival and you need them to succeed.


In the past individuals who never had the intention of starting a company or running a business would quickly set up a website just to get the money and then they would let the business fall right after they got the loan or grant. To avoid this, your website should be at LEAST 3 years old, but we advise a 5 year old website. DO NOT GET ANYTHING OLDER THAN 5 YEARS OLD UNLESS YOU HAVE BEEN IN BUSINESS FOR THAT LONG AND CAN PROVE IT WITH TAX RETURNS.


If your site is less than 3 years old, then you can make up for this by having professional press releases sent to various media outlets, which will be discussed in ITEM #8.


If you don’t have a website or your website is not reflective of the business for which you are using to apply for the government grant and loan, we have included a list of companies you can use that will help you create a website in under 24 hours.

  • Build your own website and host on your server Click Here
  • Free Custom Website Template, setup and launch takes minutes (includes hosting) click here
  • Free Instant Web Hosting and Design click here
  • Ready-made Website Templates click here
  • Don’t have time to complete one of these services? We can help you as we have effectively helped other businesses in the past. Request more information about a service at our services and support contact form

BUSINESS ITEM #3:HIGH – ORGANIC WEBRANKING:


Your site needs to rank. Let me ask you a question. When was the last time you looked in the phone book to find a dentist, chiropractor, florist or any business you wanted to find? When was the last time you looked up that business instead on Google™? According to BIA/Kelsey and ConStat, nearly all consumers (97%) now use online media to find businesses. And the lenders and grant offices know this.


Furthermore, when people do search, nearly 98% do not look beyond page 1. When is the last time you bothered looking on the 2nd, 3rd, or 4th pages when you did a search on Google™?


Unless you are ranked NATURALLY on the 1st page of Google™, your hopes of getting any kind of funding, grant, loan or otherwise is as remote as you winning the lottery 5X in a row.


Being on the 1st page of Google™ will get you in the express line of funding. FEW BUSINESS OWNERS ARE AWARE OF THIS SECRET. In the RESOUCE section below we have pooled together groups of vendors that can either do it for you or teach you how to do it very quickly and get you on the first page of Google™ in a matter of one to two weeks. We selected the most trusted and inexpensive vendors that provide this necessary service and listed them in the RESOURCE section. Please note that paying to be ranked via Pay-Per-Click ads will have a very negative effect on the loan and grant decision making process – do not do it! You business MUST appear on the 1st page organically.


If your business is based on local sales, get on Google Places™ with at least 21 reviews and that should suffice. Either way, we have provided you with vendors in the resource section that can do this in a matter of hours for you if you are not already ranked so be sure to review them.

  • Build Hundreds of Backlinks to Your Website For Quick Ranking click here
  • Do-It-Yourself Search Engine Optimization For Multiple Websites click here
  • Virtual Online SEO Service (Plug ‘n Go) click here
  • Search Engine Optimization Software click here
  • Don’t have time to complete one of these services? We can help you as we have effectively helped other businesses in the past. Request more information about a service at our services and support contact form

BUSINESS ITEM #4: HIGH – WEBSITE TRAFFIC:


Now that you are ranked on the 1st page of Google, we need to show you have consistent visitors and traffic coming to your site. Showing website traffic is very important because unlike being ranked on the 1st page of Google, consistent traffic demonstrates that your business is sustainable in attracting visitors which a percentage of them are bound to purchase one or more of your services thereby ensuring a strong cash flow system.

  • Get 20,000 Visitors to Your Site Every Week click here
  • Instant Website Traffic Automation System click here
  • Website Traffic Robot click here
  • Don’t have time to complete one of these services? We can help you as we have effectively helped other businesses in the past. Request more information about a service at our services and support contact form

BUSINESS ITEM #5: HIGH – BUSINESS PLAN:


Don’t even bother going for a loan or grant without a business plan. If you are an online seller you know how important a sales page is or how well it is written and presented. This essential tool is your sales pitch and opportunity to communicate effectively who, what, where, when and how about your business, and the banks and grant offices need to see that. Convincing a bank or credit union to loan you money or asking the government to issue you a grant, is asking them to invest in your business and your ideas which cannot happen unless you paint a complete picture of your business. You should spend the majority of your time on this part of the application, more than on any other. We cannot stress how important this is! However, attorneys and other business plan preparers charge an obscene amount of money when it comes to business plans, so in the RESOURCES below we have found vendors that can help you do it or do it for you for a very low price.
The same is true for your executive summary. Before looking at your business plan, they will want to see your Executive Summary which should be written by someone other than yourself since you are so objective it will be difficult for you to write it. If they like your Executive Summary they will then request your business plan. Do not have your Executive Summary longer than 2 pages. Start working on this now if you don’t have one.

  • Business Plan & Executive Summary templates click here
  • Business Plans in as little as 24 hours click here
  • Business Proposals and Lending Standards click here
BUSINESS ITEM #6: HIGH -STRONG PERSONAL CREDIT PROFILE:

If you recall we said the loan or grant or both that you are going for does not require a personal guarantee. That is true. No personal guarantees will be required, but the lender and the grant office has to check you out to make sure you are who you say you are and that you have your personal credit affairs in order. So while the money you get is completely unsecured, they will check your credit for validation, so getting your personal credit in order is a MUST. If you have poor credit, student loans or even bankruptcy or judgments against you, they can be removed or hidden for a given period of time.

  • Do it yourself business credit profiling click here
  • Learning how to build business credit click here
  • Learning how to build credit scores and ratings click here

BUSINESS ITEM #7: MEDIUM – BUSINESS CREDIT:


Banks and the Government like to see some form of financial responsibility and history behind a company regardless of how big or small your company may be. If you’re company is relatively new (less than 3 years) this step should not be ignored. If your business currently has existing credit or needs greater credit to build its portfolio the resources below can help guide you in the right direction rather quickly.

  • Do it yourself business credit profiling click here
  • Build Business Credit Fast click here
  • Business Credit with finance backing click here
  • Don’t have time to complete one of these services? We can help you as we have effectively helped other businesses in the past. Request more information about a service at our services and support contact form

BUSINESS ITEM #8: MEDIUM – PRESS RELEASES:


Press releases are short articles written about your business that are normally newsworthy or at least announcing something important or new. They are distributed throughout various media outlets and serve several important functions.


These press releases come up in the search engines when banks, grant offices, and customers are searching. They lend a lot of credibility to a business and also help the business website rank higher in the search engines. They are to be considered an important factor in determining the viability and seriousness of a business.


If your business is new or your website is less than 3 years old, press releases will be an important consideration when determining your business risk level. It’s important that you have at least 3 press releases sent to various media outlets, and more if your business is new or your website is less than 3 years old.

  • Quick, Set, Publish press release kits click here
  • Press Release Templates click here
  • Fast Setup Press Release Kits click here
  • Don’t have time to complete one of these services? We can help you as we have effectively helped other businesses in the past. Request more information about a service at our services and support contact form

BUSINESS ITEM #9: MEDIUM – EMAIL AUTO RESPONDER SYSTEM:


In the absence of tax returns, what very few businesses know is that lenders and the grant office are going to require supporting documents. Here is your chance to have that supporting document.
Step 1: Offer a free service or free document on your website when visitors come to it. Your goal is to get them to register their name, phone number and email address and collect AS MANY AS YOU CAN. There are no specific numbers here, but it should be a reasonable percentage of the number of visitors to your site.


Step 2: Send them weekly free information, get a dialogue going and save the statistics.


This is not that complicated and can be done with a great auto responder system that compels website visitors to enter their name and email, then automatically sends them follow up emails, information, or even reports.

  • Click and set customizable email management systems click here
  • Customer relation management systems click here
  • Business Proposals and Lending Standards click here
  • Don’t have time to complete one of these services? We can help you as we have effectively helped other businesses in the past. Request more information about a service at our services and support contact form

BUSINESS ITEM #10: MEDIUM – (if your business is less than 3 years old, this is HIGH) – FACEBOOK / TWITTER / LINKEDIN:


Here is your chance to get funding very quickly and a lot of it by showing off the number of followers, friends and likes. If this is something you need done quickly and inexpensively, in the resource section we have provided you with vendors that can get you real likes, friends and followers in as short as 24 hours. At the same time, while you want a good number of followers, don’t go overboard. Visit the social media sites of your competitors to get an idea of the number they have and beat them by 5000.

  • Instantly Get 30,000 Friends and Followers to Your FaceBook click here
  • Get FaceBook / Twiter / LinkedIn Followers in Minutes click here
  • Social Media Following Power Pack click here
  • Don’t have time to complete one of these services? We can help you as we have effectively helped other businesses in the past. Request more information about a service at our services and support contact form

BUSINESS ITEM #11: LOW – YOUTUBE CHANNEL:


There are several reasons why setting up a YouTube Channel™ is strongly advised. To see an example of how yours should look, click here. This will also help you with BUSINESS RESOURCE #2, as website ranks are often boosted with having a solid YouTube Channel™. Again, in the resource section there are companies that can design and develop this for you very fast.

  • Get a customizable Youtube Channel with logos and images click here
  • Youtube channel building methods with video ideas click here
  • Instant Youtube Channel customizable templates click here
  • Don’t have time to complete one of these services? We can help you as we have effectively helped other businesses in the past. Request more information about a service at our services and support contact form

BUSINESS ITEM #12: LOW – YOUTUBE CHANNEL WEB RANKING:


It is very important that your videos on your YouTube Channel™ are ranked on the 1st page of Google™ and there are AT LEAST 500 likes on the video. You need to have AT LEAST 3 videos ranked on the 1st page of Google™ and each should have at least 500 likes. Most often this can be accomplished within a week and it is very inexpensive.

  • Get your videos ranked on page 1 fast and easy click here
  • Very cost efficient and reliable method to get videos ranked click here
  • Instant Youtube Channel customizable templates click here
  • Don’t have time to complete one of these services? We can help you as we have effectively helped other businesses in the past. Request more information about a service at our services and support contact form

BUSINESS ITEM #13: LOW – LIVE CHAT ONLINE SERVICE:


Live chats are a key component to businesses, showing stability over those that don’t offer this level of customer service. Banks and grant offices are actively checking to see the type and level of customer service that businesses have in place before they consider them for loans and grants. This can wait if you’re not in a hurry, but we’ve collected a few companies you can choose from that you might want to consider if you don’t already have a live chat service set up.

  • Stay connected with your customers live click here
  • Build customer trust through online chat services click here
  • Don’t have time to complete one of these services? We can help you as we have effectively helped other businesses in the past. Request more information about a service at our services and support contact form

BUSINESS ITEM #14: LOW – ANSWERING SERVICE:


Lenders, banks and grant offices will require someone to answer calls during business hours OTHER than you. If you have a secretary you are fine, but if you don’t, you should get an answering service or a virtual receptionist. It’s important that your business is available during business hours. Having a virtual answering service or receptionist, at least until you get the loan is important because it demonstrates your business’ stability. It’s strongly advised that you get this set up well before submitting your credit application.


DO NOT CONFUSE A VIRTUAL ANSWERING SERVICE WITH A VIRTUAL OFFICE. Do not get a virtual office as that will blacklist your company. Using your home address is just fine. A lot of start-ups and established businesses are home-based, and there is nothing wrong with that.

  • Live 24h support line click here
  • Receptionist Services click here
  • Don’t have time to complete one of these services? We can help you as we have effectively helped other businesses in the past. Request more information about a service at our services and support contact form

WARNING


If you have the preceding items in place, you can submit your application at the email below. After it has been verified, it will be forwarded to the list of lenders and grant offices that have funded others in the last 15 business days. WE ARE NOT THE LENDERS.


ONCE YOU SUBMIT YOUR PRE-APPLICATION HERE IS WHAT HAPPENS:

  • We independently check to ensure you appear on the 1st page of Google.
  • We independently check to ensure you have 3 YouTube videos on the 1st page.
  • We will call your business number, visit your website and check that your processes are in place.


If you pass our 3 step-process, then you will pass the validation process that lenders and the government require you to pass ensuring the highest dollar return for your loans and / or grants.


If you do not meet the above 3 steps, we will contact you to help you fix it.


SO UNLESS YOU DO, AT THE VERY LEAST, THE ITEMS ABOVE MARKED HIGH and MEDIUM, YOUR PRE-APPLICATION WILL NOT BE PROCESSED.


IF YOU HAVE COMPLETED THE ITEMS LISTED, YOU WILL BE CONTACTED DIRECTLY BY THE LENDER AND GRANT OFFICE WITH A PRE-APPROVAL AND A FORMAL APPLICATION FORM. LOANS SHOULD BE FUNDED IN AS LITTLE AS 5 BUSINESS DAY AND GRANTS WILL TAKE AT LEAST 30 DAYS.


PLEASE NOTE THAT THE SUM OF $300,000 AT THIS TIME IS A CONSERVATIVE AMOUNT. THE USUAL SUM FOR BUSINESSES THAT HAVE COMPLETED THE ABOVE PROTOCALS IS OFTEN CLOSER TO $500,000.


BUSINESS FORMATION GROUP DOES NOT CHARGE BACKEND, ORIGINATION OR ANY OTHER FEE TO COMPLETE THE SERVICES STATED HEREIN. VENDORS LISTED AS RESOURCES THAT PROVIDE SERVICES ARE NOT ASSOCIATED WITH BUSINESS FORMATION GROUP. THESE COMPANIES PROVIDE THE RESOURCES YOUR BUSINESS NEEDS TO QUALIFY FOR LOANS OR GRANTS.


CREDIT WISE ADVISORS DOES NOT GUARANTEE OR PROMISE FUNDING OF ANY KIND AS BUSINESS MODELS AND PRACTICES VARY FROM OWNER TO OWNER AND STATE TO STATE.


NO ONE FROM OUR COMPANY OR THE RESOURCE COMPANIES LISTED WILL OR SHOULD REQUEST PERSONAL INFORMATION. DO NOT GIVE OUT YOUR SOCIAL SECURITY NUMBER, DATE OF BIRTH OR DRIVERS LICENSE TO ANYONE UNLESS YOU ARE DEALING DIRECTLY WITH THE BANK AND IF THE BANK OR GRANT OFFICE CALLS OR EMAILS YOU REQUESTING THAT INFORMATION, GET THAT PERSON’S FULL NAME, CALL BACK THE MAIN LINE AND EITHER ASK THE OPERATOR TO SPEAK WITH THAT PERSON OR CHECK THE LENDER’S PHONE DIRECTORY FOR THAT INDIVIDUAL. MAKE SURE IT MATCHES.


THE ONLY THING STANDING BETWEEN YOU AND THE LOAN, GRANT OR BOTH FORMS OF FUNDING ARE THE 13 RESOURCES YOUR BUSINESS NEEDS TO HAVE.


IF YOU HAVE COMPLETED THE ITEMS LISTED ABOVE and ENSURED THAT THEY ARE COMPLETED, CLICK HERE TO PROCEED TO THE PRE-APPLICATION EVALUATION FORM.


DO NOT CONTINUE
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Outsource Any Of The Above Services


Don’t have time to complete one of these services? We can help you as we have effectively helped other businesses in the past. Request more information about a service at our services and support contact form


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