Here is your issue of BM$ Success Newsletter – the companion newsletter to the "Business-Money-Source" website.

Enjoy!

This Month’s Featured Business Financial Product:

What is Working Capital and How Can It Help Grow Your Business?

Working capital is a general term that simply means money that you have put to work to operate, maintain, grow or expand your business. Without a consistent influx of capital, your business will wither and die on the vine. This capital normally comes from the revenue generated from the sale of the goods and services of a healthy business.

However, during this relatively weak economy when sales may be down or when a company is just starting up, sales revenue may not be sufficient to support day-to-day operations. When this situation arises, and it does for almost every business at some time of another, you will need to look elsewhere for working capital in order to continue business operations.

The bad news is most business owners don’t know where to go to get the working capital they need. The good news is that a financial intermediary, such as Business Money Source works with numerous funding sources that can provide capital for your business in almost any situation.

Business Money Source in now offering two exciting new loan programs by which business owners like you can obtain working capital for as little as $10,000 to as much as 1,000,000!

Unsecured & Secured Short Term Business Loan

The first program is a short- term business loan, sometimes called a bridge loan. Loans for $100,000 or more will require some collateral to secure the loan.

Please visit the Business Money Source website to learn about this program: Short-Term Business Loans & Bridge Loans

The Problem:

An experienced real estate investor, Jake B. has two properties for sale with $50,000 equity tied up in each property. He has a third property that needs $50,000 worth of renovation to make ready for sale.

The Solution:

Jake contacts Business Money Source and tells us that he has $100,000 coming as soon as his properties sell but he needs $50,000 now. Business Money Source arranges a $50,000 unsecured short-term bridge loan. Jake renovates the 3rd property and repays the loan with proceeds when one of the other properties is sold. The short-term business (bridge) loan allowed him to proceed with his investment plan while his working capital was tied up in other properties. He recovers $100,000 in working capital plus his profit when he sells the two properties. He repays the $50,000 bridge loan plus interest & costs.

End Result:

The short-term business loan allowed Jake to move from a stalled position (two properties waiting to sell and no working capital) to being able to move forward with enough working capital to invest into a third property and still have capital to start acquiring a fourth property. Apply for a Short-Term Business Loan

The second program is a business-line-of-credit or BLOC. A business line-of-credit can be obtained for any amount from $10,000 - $1 million. The BLOC must be secured by real estate and your business must have been operational for at least 3 months.

The BLOC is much like a credit card in the sense that you have an upper limit. For example: $100,000. You may use that any portion of that amount for your business. You only repay the portion that you have used.

Please go to our website to learn more about a business line-of-credit: Business Line-of-Credit

The Problem:

A restaurant owner, Susan H. has a growing business in the downtown business district. The bulk of her business is the Monday through Friday mid-day lunch crowd. The diner is becoming increasingly popular with local office workers; so much to the point that increasing wait-times for service is beginning to cause customers to complain.

The over-crowding crisis occurs during the prime revenue-producing hours from 11:00 am – 3:00 pm. How can she keep her customers happy by decreasing their time to wait for tables?

The Solution:

Susan knows that each table of 4 will turn over approximately every hour or 16 customers will be served per table during the 4-hour period. The restaurant has a large room off to one side, that is not being used, except for storage.

Susan realizes that the unused storage room could solve the problem. The additional space would be room for 10 more tables, which would mean 40 additional seats. That would cure the wait-time problem. It would also significantly increase her daily revenue.

The restaurant expansion is a straight-forward renovation which requires removing a wall, clearing out the stored items, paint ceiling & walls, sand & vanish the floor and add lighting, tables and chairs. Susan determines that the work can be completed over the course of two weekends and few nights, which will limit disruptions during the prime lunch hours. She finds out that the work can be done for $75,000. The heating and A/C will have to be upgraded also to handle the additional space. That will cost another $25,000.

Susan contacts Business Money Source who arranges a business-line-of-credit or BLOC for $100,000. She has two rental properties that she uses to secure the BLOC. Susan uses the BLOC as needed to complete the expansion and repays the line-of-credit from the new revenue.

End Result:

The $100,000 BLOC allowed Susan to increase seating capacity by 160 more customers (4 seats/table X 4 hrs) If each customer spends an average of $10.00 (conservative estimate), the restaurant’s revenue would increase by $1600/day or $8,000 during the 5-day workweek.

Susan has increased the value of her business, given herself a substantial increase in revenue, given her employees raises and protected her restaurant’s brand by eliminating a cause of customer complaint, all with a Business Line-of-Credit.

Apply for a Business-Line-of-Credit (BLOC)

AfroCityTours

Provides inspirational, informational and business oriented tours and workshops, highlighting attributes of the African Diaspora.

Our services offer fresh perspectives and engage clients for learning, cultural enjoyment and to influence a better world. www.afrocitytours.com / Email:afrocitytours@gmail.com

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Capricorn City - The Hangout For Writers and StoryTellers

Do you have a story to tell? Like to write poetry? Do you enjoy or would like to review music, movies, or television shows?

Interested in getting your works published? CapricornCity.com is the perfect place to get your work seen by readers around the world.

Please feel free to contact James Bullock at jabfas@gmail.com if you have a desire to let the world discover you.

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Financial Wellness Workshop Webinar - Making A Difference In Your Community

FREE, National Community Outreach - Dial-in (559) 546-1200 PIN: 328002890# - From Your Landline or Cell, All 50 States Webinar

Schedule:

Every Tues: 6:00 pm - 6:30 pm (PST) 9:00 pm - 9:30 PM (EST) Every Saturday: 9:00 am - 9:30 am (PST) 12:00 pm - 12:30 pm (EST)

3 - Week Series, Rotating Schedule until January 2016

Season 1, Week 22, November 26, 2014: Debt-Free Lifestyle, Income Surplus

Season 1, Week 23, December 2, 2014: Mortgage Payoff 7 - 15 yrs, Education Planning For Your Kids

Season 1, Week 24, December 9, 2014: Retirement With 3-4 Income Streams - Other Financial Concerns & Goals

The Power of One: Invite one more person to join you. First 50 callers in each workshop will receive Special Gift

Contact Judith McCaskill Robinson (831) 444-5478, Volunteer from October 20, 2014

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Just Rydin' Magazine -I am just rydin'

A comprehensive online magazine dedicated to the pleaures and safety in motorcycle riding

Sponor of community service events to educate children in the safe operation of bicycles & mopeds.

Contact Marie Cammock Payne for advertising and subscription opportunities: mjcammo@yahoo.com

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Professional Web Design

At HRichNetworks, LLC We offer professional, custom, high quality web design services. All of our websites are custom designed to meet every client's needs and requirements.

From complex dynamic web applications to simple professional business websites, we do it all at an affordable price.

Call us today for a FREE no obligation quote - 804.447.4312

www.hrichnetworks.com ? P. O. Box 74083 N Chesterfield, VA 23236 804.447.4312

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Vickie's Art - Step Into My World And Enjoy The Scenery

Specializing in water color paintings on a variety of canvases, including murals and stage play backdrops

Visit our galleries to view samples at www.vickiesart.com

Add a piece of Vickie's timeless art to your collection. vickielb312@gmail.com

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Send your ad info to: info@business-money-source.com Any Questions:

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Be sure to check business money news page daily on business-money-source.com for updates. Also friend us on Facebook and follow us on Twitter!

Until next month!

Sincerely,

Jim Bullock

Business Money Source, LLC P.O. Box 16096 Richmond, VA 23222

(804) 396-3040

“Your One Stop Online Business Information Source” www.business- money-source.com

Twitter: @bizmoneysource