Friday, September 26, 2008

The Credit Builder Financing Co-op Option

Cash strapped customers can also use The Credit Builder Financing Co-op Option. This is where they get one to three other people to co-op with them or partner up with them (temporarily or permanently depending on what each co-op member agrees upon).

You have the same goal of $200 on Phase I or $1200 on Phase II and receiving the same $150 and $900 commissions as before. But instead of receiving that commission immediately or paying the full price immediately you each pay a portion of one member’s purchase and receive a portion of the commission. You can buy your own full membership once you refer enough co-op member customers to cover your payments.

For example one single person pays $200 and receives $150 commission. Two co-op members would pay $100 each and receive $75 commission each. Three co-op members would pay $70 each and receive $50 commissions each. Four co-op members would pay $50 each and receive $35 commissions each. (I rounded off some of the smaller numbers so they are off by a couple dollars or so.)

Once your commissions have reached enough for a single membership you can then buy your partners out and get your own membership if you choose to. You do this by paying for your membership from the contractor or customer you purchased your membership from.

There is a 60 day time limit on these co-op payments. If someone cannot pay at least $25 per week for eight weeks then they forfeit the payments they have already made and they would have to start all over again from scratch. The commissions would then go to their referrers even if all of the payments have not been completed.

So let’s do some more numbers. Most contractors want at least $1K per month, $3K per month or $5K per month. There is of course no limit. $1K per month is ten customers per month at $200 each. (Actually that’s $1500 a month.) You would need 40 (four way) co-op customers a month or 10 co-op customers per week for that same amount.

$3K per month would be 20 regular customers monthly or 5 regular customers weekly. You would need 80 (four way) co-op customers monthly or 20 co-op customers weekly. $6K per month would be 40 regular customers monthly or 160 co-op customers monthly. That would amount to 40 co-op customers weekly.

You would need only 2 Phase II customers for $1800 and 4 Phase II customers for $3600 or 6 Phase II customers for $5400 each month.

So where do you find customer referrals? That depends on what higher ticket product people want to purchase. You are looking for home buyers or potential home buyers. You are looking for car buyers or potential car buyers. You are looking for people who want exotic vacations or potential vacationers. You are looking for people who want electronics like laptops, desktop computers, big screen televisions, PDA cell phones, game systems or potential electronics customers.

You are not necessarily providing these products. You are providing some creative financing to fund the purchase or down payment assistance for these items. You are looking for shoppers or potential shoppers. Millions of people are buying these items everyday. Millions more would like to purchase them. Do you think you could refer a few of them to help themselves out in order to help you with whatever it is that you would like to purchase? I’m positive that you can.

Down Payment Assistance Program

Down Payment Assistance Program

This is a program designed to assist potential home buyers to put a substantial down payment on their home purchase. This was originally intended for the use of home buyers but can be utilized for any major purchase like home, auto, travel or higher ticket consumer electronic products.

These are among the more common major purchases. These items can be easily financed to customers with excellent A or B credit scores. It can become more of a challenge for customers with C or D credit scores. This program is an excellent resource for credit challenged customers.

How this program works is quite simple. We use a form of financing we call Referral Financing. What is that? You simply refer other individuals who want down payment assistance with their home purchase or any other major purchase. That’s it.

This type of financing is a form of Creative Financing. Creative financing is well known particularly in the real estate investment industry. It could be defined as using non-traditional or creative methods to fund real estate investments. Financing techniques of this type can also be applied to other major purchases as well.

Let’s explain the process in our particular setting a little further. We are affiliates for an outside vendor that focuses on raising capital to fund businesses or major purchases. They raise capital by selling web space on their servers. They pay us a commission for each customer we refer. When you refer customers you also receive the same commission we get.

Each participant pays a small down payment of at least $200 towards their entire down payment amount or product purchase. This amount goes through the vendor’s affiliate payment processor. We receive our commission payment in about 24 to 48 hours. Your DPA customer referrals will repeat the same process you just went through. You then receive your commission payment the same way we did.

Cash strapped customers can use Credit Builder Financing with four $50 dollar payments in a 60 day time period to get to the $200 minimum. You will receive a $150 commission for each customer you refer. This amount can go towards your down payment if that’s what you choose. The more people you refer the larger your down payment will be.

We only work with higher ticket products of $500 or more. These types of purchases can usually be financed with monthly payments and may require down payments or deposits. We help provide the system to assist you with down payments or even the monthly payments if you continue to refer more customers. The number of customers you refer can be unlimited.

We don’t directly work with your FICO score as this may take anywhere from 30 to 90 days to see the effects on your score. That is not a problem and it is recommended that you raise and monitor your score. Our focus is on helping to provide higher down payments for these larger purchases. We can also assist with actually making the monthly payments if you choose to continue to refer customers each month.

Let’s briefly consider a real estate example. You are interested in becoming a home owner. You find a house for $150,000 (or 150K for short). The down payment is 5% but only with approved credit. You can put 10 or 15% down with B credit and tons of paperwork for the banks. Ten percent would be $15K so twenty percent would be $30K down with poor credit and a higher interest rate.
We mentioned a $200 minimum but that is good for purchases of $3000 or less. For purchases of 10K, 20K, 100K or more we suggest Phase II which has a $1200 minimum. You then receive a $900 commission for Phase II customers. You cannot skip Phase I so a good way to use this would be to use a portion of the proceeds from Phase I to upgrade into Phase II.

Let’s return to our real estate example. Ten Phase I customer referrals would be $1500. Ten Phase II customer referrals would be $9K. Repeating that three more times would be 4 X $9K or $36K. This would be more than enough for a 20% down payment on a $150K home even with horrible credit.

If credit score and interest rates are still an issue in spite of a 20% down payment then I would next focus on a payment plan to assure lenders and sellers that you will not default on this purchase. Timely and consistent monthly payments are the only sure-fire way to raise your credit score. You would need a six month to 2 year clean payment record, personal credit score monitoring and good communication with all of your lenders and creditors.

Why not refer more customers or upgrade existing customers? In our example we now have a $120K balance not including interest. I would then include a mortgage reduction plan to eliminate a major chunk of interest payments. This would reduce 30 year plans to 10 or 15 year mortgages.

For example $800 a month is average for a $120K mortgage. Let’s do the math. $800 X 12 = $9600 per year. $9600 X 15 = $144K which is $24K in interest payments alone. This doesn’t include taxes and other maintenance costs. Let’s restructure that with our DPA customer referrals.

Paying $1k per month for 12 months using a mortgage reduction payment plan for this same mortgage would be $12K per year instead of $9600. Fourteen DPA referral customers would be $900 X 14 or $12,600.00. Do this twice and here is what you will have: $30K down payment, $25,200 from 28 more referrals to make 24 months or 2 years of monthly payments upfront. This now totals $50K paid in advance for a house costing $150K. You have paid out thirty percent of the total purchase price in a few weeks or maybe a few months.

This scenario would also work on rent to own financing or lease option financing. Are there banks, lenders or sellers who would balk at these types of payments in a three to six month period? I am sure there are. But look who is in control? There are hundreds of sellers and plenty of lenders who would be willing to work with receiving 30% of the purchase price of a house in less than 6 months.

Could you refer 14 DPA Phase II customers per month for 6 months? Are there 14 new or potential home buyers out there each month who could use Down Payment Assistance?

Do you qualify for this program? Yes. Anyone over 18 can qualify in the US or internationally. This is not a grant or loan. This is customer referral based marketing. You build up your down payment amount or capital using this form of creative financing. If you continue to refer people month after month you can even make your monthly payments.

If your credit score is low or you have mild or even severe credit problems, we suggest raising your score but we primarily focus on providing large down payments and making as many monthly payments upfront as possible. This is crucial for home ownership but it’s also recommended for other financed purchases like automobiles, travel or higher ticket electronic products.

Monday, July 21, 2008

The $9K Cash Flow Capital System

This is how you generate $9K minimum in 60 to 90 days. You can go far beyond that but $9k is very conservative. You can actually do it in less than 30 days but it sounds too hypey so let's just keep things conservative.

This is not a challenge. It's just a series of steps. More importantly, it's really more of a mental process or a mental transformation.

Think of it like a job at Mcdonalds. You show up for work for a few scheduled hours each week. You do your job after showing up for work. You get paid on payday. It's not hard work. You are not digging ditches or chopping cotton. It's not hard physical labor. It's not a complicated technical learning curve either. But it IS WORK! I must stress that.

All of the automated hype masters stress no work and quick riches. Yes that is possible but you have to put forth some type of consistent effort or pay someone else to do it for you consistently. That applies to any financial venture unless you are playing the lottery or inheriting wealth.

I repeat:

(1) Show up for work each day that you have sheduled (You make your own schedule and hours)
(2) Do your job
(3) Get paid

There is one slight difference with this Mcdonalds job. This Mcdonalds is YOUR Mcdonalds. It belongs to YOU. The customers are YOUR customers. You can sell franchises to other business owners. They can sell Mcdonalds or KFC or Taco Bell or Nationwide Tires or Firestone or Kinkos or whatever product or service they choose.

Here is the big $9K picture in a nutshell:

Fill out the application. Fill out the paperwork to set up your franchise. Secure the financing for your franchise. Go here to do that.

What is your job each day as a franchise owner? In the beginning it's just to fill up your store with...SHOPPERS! Okay it's driving traffic but the word 'traffic' is so overused now in my opinion. So I just call them curious targeted shoppers.

Fill up your store (...and call center if you have one. Don't worry, that's just an automated voice mail message.) shoppers everyday 24 hours 7 days a week. Send lots of callers to your automated call center. 24/7 everyday.

Network professionally with other business owners in your niche, industry or area of expertise. Network with enthusiasts in your niche or area of interest. Use your expertise and experience to help other new or struggling business owners or individuals.

Go here to set up your Cash Flow Capital franchise and start securing your venture capital and financing.

Once you have that set up all you have to do is drive 250 to 1000 shoppers per day or more to your franchise. That is your daily job. That's it. The $10 Dollar Franchise provided all the necessary tools to drive daily targeted curious shoppers to your franchise.

That's it. Just show up for work. Do your job. get paid. I'll see you $9000 later.

Cash Flow Capital

It's time to play with the big boys now. You have all of your tools and training now. I hope you have generated some decent cash flow.

At this point you are interested in big time players only because your focus is on generating large cash flow from big ticket items. We are talking $1000 and up. Your people don't have to be brilliant gurus. they just need to be serious about success. That's it. They need The Hustla's Mentality. They need The Winner's Mentality. They need Prosperity Consciousness, Wealth Consciousness or Success Consciousness.

Here is your goal in blunt terms: Get 10 franchises, repeat 4 times and you'll have over $35K in 60 to 90 days. That's not hype. It's hype to broke people. It's hype and a pipe dream to folks who have a Poverty Consciousness or what I call The PBP Syndrome. That means The Po' and Broke till Payday Syndrome.

The above scenario is only $900 per franchise customer. That's only a beginning. I'm not here to hype you. I'm not here to convince you. You convince yourself. I'm speaking bluntly here because this is not for tire kickers, whiners or complainers. If you feel this is not for you then that's fine. I'd prefer to convince you NOT to join. I refuse to chase people or hard sell anyone. I hope you feel the same way.

Go here to begin The $9K Cash Flow Capital System.

The $10 Dollar Franchise

This is the second stair step and an intermediate income gateway. The first stair step tests the teachability of your trainees.

This second stair step allows them to generate some quick income and gives them ready made tools and equipment to work with. This step is more training intensive also.

So go ahead and set up your $10 Dollar Franchise here. Go to your member’s back office and set up your affiliate links. Go to the training section and read the Quick Start Guide and then the Fast Traffic School. This is the foundation of generating traffic to your $5 Dollar Franchise website.

We also use the Social Networking and other traffic generation methods found in the Internet Success Guide. Follow that guide once you have completed the Quick Start Guide and the Fast Start Traffic School.

Once you have completed following the steps in the Internet Success Guide you are a certified advanced marketer at this stage. You can now go to Cash Flow Capital for some high ticket cash flow. This stair step is not for the squeamish or timid.

Saturday, July 19, 2008

The $5 Dollar Franchise

Alright friends let's prepare for the entry level of your brand new franchise business. What is it? How does it work? What is it's purpose? Let's break it down briefly.

What are we doing? We are setting up an organized duplicatable step by step system that will help enable you to

(A) Raise financing and capital as easily and as quickly as possible.

(B) To enable the promotion or implementation of any legal business, major investment or non-profit fundraising of your choice.

It is also set up in such a way as to attract complete business or marketing beginners with a simple point and click system. They can begin promoting with little or no capital outlay. Experienced entrepreneurs and investors can use more advanced tactics to generate several thousands of dollars in a relatively short turn around time.

This low entry level is merely an attractive and easily accessible gateway. It also serves as a single focusing point to concentrate all of your marketing efforts on.

This guide is a living and breathing guide that will be updated when needed to further simplify and improve the system.

Our initial focus is on this first step which is the $5 Dollar Franchise. Go here to set up your own franchise system. Be sure to complete all of the set up process in the $5 Dollar Franchise before moving on to the next step beyond the entry level which would be the intermediate level or the $10 Dollar Franchise.

See you on the next level after you have completed your entry level.

Thursday, July 10, 2008

Your Small Business Freedom Is Finally Here!

Welcome everyone and thanks for visiting. You may have arrived here through one of several ways but in any event you are here now. I will try to be quick and to the point. Detailed explanations will be on other posts.

This is a simple but effective blog that will mainly be used to break everything down into chewable bite size pieces. The purpose of this information is to lay out a simple series of steps to raise capital and financing for any business venture, investment strategy or fundraising campaign for any purpose whether it's a non-profit or for profit (like bills or personal debt or just fun money to blow).

So what does raising capital mean? It means securing the finances to fund any venture that needs funding. For example, let's say you want to start a construction business. What would you need to do that? You would need startup capital. you would need seed money for construction equipment, state or local licensing, securing contracts, skilled labor, corporate or LLC structuring, legal fees, accounting fees, sales and marketing, a business plan and a business proposal just to name a few things.

Normally you would approach banks, loan officers or government or non-profit grant foundations and apply for the money you need. If you qualify then you would receive your funds after some time period. You may need anywhere from $50K to over $200K or more to start and maintain your business for the first few years.

The method discussed here to raise that same capital is an alternative to traditional financing. There are no banhs, loans or credit checks involved. There is no mlm or internet hype here about thousands of dollars in a few days. Is it exciting? Yes! It will require some work. There are parts that are automated but they still take some work and time to set up and maintain. It's simple but you have to work it. I cannot overemphasize that enough.

The money can be substantial (you could reach several thousand dollars quickly if you are a true professional) for those who are serious. I personally suggest a $25 to $60 minimum to make your efforts worthwhile and also so things don't drag on and take forever to gather steam and momentum. So, here we go with no further delay:

You will need to follow three main steps to begin generating income. Each step represents a different company and that company or product or system may have a few steps to complete contained within it's individual structure. Each step is designed to "stairstep" and generate income for brand new beginners and also for seasoned veterans.

Everything needs to be promoted from one single source so you don't have to promote several things at the same time. That would be like a movie star going on several talk shows to promote five different projects rather than their latest film.

The $5 Dollar Franchise is of course the entry level. Everything should be promoted beginning at this single entry point. You can promote yourself on your own blog, squeeze page, youtube, myspace or whatever but your sig file or system should point everyone back to the $5 Dollar Franchise first. It's so much simpler that way.

The $10 Dollar Franchise would be your second step. This is another $10 to $20 dollars per person in addition to the $5 or $25 from the entry level. All three of these systems by the way are customizable to any type of legal business that you are interested in.

I would stay away from pornography or gambling businesses at least in the beginning because lots of systems won't allow you to promote them anyway. Once you build up capital or have lots of traffic then go for it. You are on your own. Just keep it legal or you're really on your own.

The third system is Cash Flow Capital where the big dollars start to kick in. The first two are profitable but at a lower margin per person. Your money would increase as more people join. I personally recommend starting with at least $25. This last system can bring in thousands with just ten people. They recommend at least fifty people per cycle. This is not an mlm matrix compensation plan. You will have to buy the book to find out. It's not a secret but it's only $5. They have a ninety day guarantee on your $5 if you were concerned.

That's it my friends. I host an internet radio show that mixes dj mixes with small business and home based business interviews and training. That's why I'm The Cash Flow DJ. Check out our hot shows and come travel and groove with us at our seminars on the beaches of the world on our Cash Flow Hustle Excursions.