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Navigating the World of Business Funding: Is National Business Capital the Right Partner?
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Joe Hurley05/08/2025
Securing the necessary capital is a crucial step for any business looking to grow, expand, or even just manage day-to-day operations. With a plethora of business funding options available, navigating this landscape can be overwhelming. This is where companies like National Business Capital aim to simplify the process, acting as a marketplace connecting businesses with a network of lenders. But what exactly does National Business Capital offer, and is it the right choice for your business?
What is National Business Capital?
Founded in 2007, National Business Capital (NBC) operates as a business financing marketplace. Instead of directly providing loans, they partner with a vast network of over 75 lenders. This model allows businesses to fill out a single application and potentially receive multiple offers from various lenders, saving time and effort compared to approaching each lender individually.
NBC offers a range of financing solutions, including:
Small Business Loans: Term loans for various purposes like working capital, expansion, or debt consolidation.
Equipment Financing: Loans or leases to acquire essential business equipment.
Merchant Cash Advances: Funding based on a percentage of future credit card sales.
SBA Loans: Government-backed loans with potentially favorable terms.
Business Lines of Credit: Flexible access to funds up to a certain limit, allowing businesses to draw and repay as needed.
Revenue-Based Financing: Funding based on a company's future revenue.
Why Consider National Business Capital?
Access to a Wide Network of Lenders: This is a significant advantage, as it increases the chances of finding a suitable funding option, especially for businesses that might not qualify for traditional bank loans.
Streamlined Application Process: Applying once through NBC can lead to multiple offers, simplifying the often time-consuming process of applying to individual lenders.
Speed of Funding: In some cases, NBC claims to facilitate funding within 1-3 business days, which can be crucial for businesses with urgent needs.
Personalized Guidance: NBC often assigns a Business Finance Advisor to guide clients through the process and help them choose the best option.
No Industry Restrictions: Unlike some traditional lenders, NBC may work with businesses in various industries, including those considered high-risk, such as the cannabis industry.
Reputable Standing: NBC boasts an A+ rating from the Better Business Bureau (BBB), indicating a strong commitment to customer service and ethical business practices. They also have a 5-star rating on Trustpilot based on numerous customer reviews, suggesting high levels of customer satisfaction.
Indirect Lending: As a marketplace, NBC doesn't directly control the terms and conditions of the loans. These will vary depending on the individual lenders in their network.
Revenue Requirements: Some sources indicate a relatively high annual revenue requirement (e.g., $120,000 or even $500,000 in some reports), which might exclude some startups or smaller businesses.
Who is National Business Capital Best Suited For?
Based on available information, National Business Capital might be a good option for:
Established businesses with consistent revenue looking for various funding options.
Businesses that need funding relatively quickly.
Businesses that may not qualify for traditional bank loans due to credit history or industry.
Business owners who appreciate having a personal advisor to guide them through the funding process.
Before You Apply:
Do Your Due Diligence: Thoroughly research National Business Capital and any lender they connect you with. Check their BBB profile and read reviews on multiple platforms.
Understand Your Needs: Clearly define how much funding you need and what you will use it for. This will help you identify the most suitable loan type.
Compare Offers Carefully: If you receive multiple offers, take the time to compare the terms, interest rates, fees, and repayment schedules. Don't just focus on the loan amount.
Be Wary of Upfront Fees: Legitimate lenders typically do not require significant upfront fees before providing funding. Exercise extreme caution if you encounter such requests.
Read the Fine Print: Understand all the terms and conditions of any loan agreement before signing. If anything is unclear, seek legal advice.
In Conclusion:
National Business Capital can be a valuable resource for businesses seeking financing by providing access to a diverse network of lenders. Their A+ BBB rating and generally positive customer reviews on Trustpilot suggest a commitment to service. By conducting thorough research and carefully evaluating all offers, businesses can make an informed decision about whether National Business Capital is the right partner to help them achieve their financial goals.
https://www.nationalbusinesscapital.com/partner/?ref=10017667
Fueling the Future: A Look at Business Funding in Massachusetts Today
Massachusetts, a state renowned for its innovation, education, and vibrant entrepreneurial spirit, offers a dynamic landscape for businesses of all sizes. Access to adequate funding is, of course, a critical component for startups looking to take flight and established companies aiming for growth. So, what does the business funding scene in the Bay State look like today, May 19, 2025? Let's dive in.
A Multi-faceted Approach to Funding
The Commonwealth of Massachusetts understands the vital role businesses play in its economic ecosystem. As such, a variety of funding avenues are available, catering to different stages of development and specific needs. These include:
State-backed Loan and Grant Programs: Agencies like the Massachusetts Growth Capital Corporation (MGCC) and MassDevelopment offer a range of loan programs designed to support small businesses. MGCC, for instance, provides term loans and microloans, even offering creative and flexible solutions for businesses that might not qualify for traditional funding. MassDevelopment offers direct loans, loan guarantees, and tax-exempt bonds, focusing on business expansion, job creation, and commercial real estate.
Venture Capital: Massachusetts boasts a strong venture capital ecosystem, particularly concentrated around the Route 128 corridor and the Boston area. Firms like MassVentures, the state's strategic venture capital team, actively invest in early-stage, high-growth deep tech companies. This provides crucial capital for innovative startups looking to scale.
Grant Opportunities: Several grant programs exist to support specific business needs. The Biz-M-Power Crowdfunding Program offers matching grants to small businesses undertaking facility improvements, equipment purchases, or other capital needs. The Empower Digital Grant Program helps businesses enhance their digital capabilities. For those looking to expand internationally, the State Trade Expansion Program (STEP) can offset related marketing costs. Clean energy businesses can also find support through the Massachusetts Clean Energy Center.
Small Business Administration (SBA) Resources: The federal SBA has a strong presence in Massachusetts, offering various loan programs like the 504 Loan Program for real estate and large equipment purchases. They also provide resources, counseling, and support for small businesses through their district offices in Boston and Springfield.
Community Development Financial Institutions (CDFIs): Programs like the CDFI & CDC Capital Match Program, administered by MGCC, channel funds to non-profit community-based lenders who then provide loans to small businesses, particularly those in underserved communities.
Equity Funding: Organizations like the Massachusetts Small Business Equity Fund through LISC Strategic Investments offer growth capital investments to established small businesses, with a preference for those in economically disadvantaged communities and the South Coast region.
Focus on Key Sectors and Initiatives
Massachusetts strategically targets funding towards key industry clusters that drive its economy, including:
Technology: With a strong emphasis on innovation, significant funding opportunities exist for tech startups and companies involved in research and development.
Life Sciences: The Massachusetts Life Sciences Center provides grants and investment funds specifically for life sciences companies, fostering innovation and startup activity in this crucial sector.
Clean Energy: Recognizing the importance of sustainability, the state offers incentives and grants for companies engaged in clean energy research, development, and commercialization.
Manufacturing: Programs aim to support local manufacturing and the adoption of innovative technologies within the sector.
Furthermore, there's a growing emphasis on supporting businesses owned by socially or economically disadvantaged individuals (SEDI), including veterans, minorities, and women. The Massachusetts State Small Business Credit Initiative (SSBCI), for example, has a special focus on providing funding to these businesses.
Navigating the Funding Landscape
Securing business funding requires careful planning and research. Businesses should:
Identify their specific needs: Determine the amount of funding required and for what purpose (e.g., working capital, expansion, equipment purchase).
Explore various options: Research the different types of funding available and identify those that align with their business stage and industry.
Understand eligibility criteria: Carefully review the requirements for each program or investment opportunity.
Prepare a strong business plan: A well-articulated business plan is crucial for demonstrating the viability and growth potential of the business to potential funders.
Seek guidance: Organizations like the Massachusetts Small Business Development Center Network (SBDC) offer valuable advising and training on capital access. Small Business Technical Assistance (SBTA) Providers can also guide businesses through specific grant programs like Biz-M-Power.
Looking Ahead
As we move further into 2025, the commitment to supporting business growth in Massachusetts remains strong. The state continues to adapt its funding programs to meet the evolving needs of its diverse business community, fostering innovation, creating jobs, and driving economic prosperity across the Commonwealth. Businesses that stay informed about the available resources and diligently prepare their applications will be well-positioned to access the capital they need to thrive.Joe Hurley05/19/2025
Top 5 Business Funding lenders
1. U.S. Small Business Administration (SBA) - For Government-Backed Support:What they offer: The SBA doesn't directly lend money but provides loan guarantees to approved lenders (banks, credit unions, etc.). This reduces the lender's risk, making it easier for small businesses to access capital with favorable terms, lower down payments, and longer repayment periods. They offer various loan programs like the 7(a) loan (for general business purposes), 504 loans (for real estate and equipment), and microloans (for smaller funding needs).
Why they're significant: SBA-backed loans are often sought after for their competitive interest rates and terms, making them a stable and reliable funding option for eligible small businesses.
Example: A local bakery looking to purchase new, energy-efficient ovens might seek an SBA 7(a) loan through a participating bank.
2. National Business Capital For Fast and Flexible Financing:
What they offer: National Funding is an online lender specializing in providing quick access to capital for small businesses. They offer various financing solutions, including small business loans, equipment financing, and working capital loans. Their application process is known for being fast and simple, with the potential for funding within 24 hours.
Why they're significant: They cater to businesses that might need funds urgently and have a streamlined online process, making them accessible for many small business owners.
Example: A growing retail business needing immediate working capital to purchase inventory for an upcoming season might turn to National Funding for a quick loan.
3. Accion Opportunity Fund - For Non-Profit, Community-Focused Lending:
What they offer: Accion Opportunity Fund is a non-profit lender focused on providing affordable and responsible financing, along with business advising and resources, to small businesses, particularly those in underserved communities. They offer term loans, including truck and food truck financing, and prioritize supporting businesses owned by women, minorities, and low-income individuals.
Why they're significant: They play a crucial role in promoting economic inclusion and providing opportunities to entrepreneurs who might face barriers to traditional financing.
Example: A minority-owned startup in a historically underinvested neighborhood might seek a term loan and business guidance from Accion Opportunity Fund.
4. Fora Financial - For Diverse Financing Solutions:
What they offer: Fora Financial provides a range of financing options for small to mid-sized businesses, including small business loans, revenue advances, and lines of credit. They are known for their relatively fast approval process and funding, often within 24 hours. They emphasize understanding the challenges small businesses face and offer flexible solutions.
Why they're significant: They offer various financing products, catering to different business needs and cash flow situations, and are known for their speed and accessibility.
Example: A restaurant experiencing fluctuating revenue might opt for a revenue advance from Fora Financial, where repayment is tied to a percentage of their daily or weekly sales.
5. Fundbox
What they offer: Fundbox specializes in providing working capital solutions, particularly lines of credit and invoice financing. They leverage technology for quick credit decisions and funding, often within one business day. Their invoice financing option helps businesses get paid faster by advancing funds based on their outstanding invoices.
Why they're significant: They address the common challenge of cash flow management for small businesses, offering flexible and fast access to working capital.
Example: A service-based business with outstanding invoices could use Fundbox's invoice financing to access immediate funds rather than waiting for customer payments.
Important Considerations:
Your Business Needs: The "best" funding company depends entirely on your business's specific needs, stage, industry, and creditworthiness.
Interest Rates and Terms: Carefully compare the interest rates, fees, and repayment terms of different lenders.
Eligibility Requirements: Each funding option has its own eligibility criteria. Ensure you meet these requirements before applying.
Long-Term vs. Short-Term Needs: Determine if you need a long-term loan for expansion or short-term capital for operational expenses.
Before making a decision, it's crucial to research thoroughly, compare multiple options, and choose a funding partner that aligns with your business goals and financial situation. Joe Hurley 05/19/2015
Reasons For High Gold Prices Today
Joe Hurley
04/25/2025
The price of gold is currently high due to a confluence of interconnected global factors that increase its appeal as a safe-haven asset and a hedge against economic uncertainties. Here’s a breakdown of the key drivers:
1. Economic Uncertainty and Safe-Haven Demand:
Geopolitical Tensions: Ongoing conflicts and political instability around the world, particularly the trade tensions between the U.S. and China and the situation in Eastern Europe and the Middle East, increase investor anxiety. Gold is seen as a stable store of value during turbulent times, leading to higher demand.
Market Volatility: Fluctuations and uncertainty in the stock market and other asset classes drive investors towards the perceived safety of gold to preserve capital.
Concerns about Economic Growth: If the global economy is projected to slow down, investors often turn to gold as a safe haven, increasing its price.
2. Inflation and Currency Devaluation:
Persistent Inflation: Even though inflation has cooled somewhat from its peak, it remains above the Federal Reserve’s target. Gold is historically used as a hedge against inflation, as its value tends to hold or increase when the purchasing power of fiat currencies declines.
Weakening US Dollar: Gold is typically priced in US dollars, and there’s often an inverse relationship between the dollar’s strength and gold prices. A weaker dollar makes gold less expensive for buyers using other currencies, potentially increasing demand and pushing prices up.
3. Central Bank Policies and Interest Rates:
Anticipation of Monetary Easing: Expectations that the Federal Reserve and other central banks might soon pivot to lowering interest rates make non-yielding assets like gold more attractive compared to interest-bearing investments.
Central Bank Buying: Some central banks, particularly in countries like China and Russia, have been increasing their gold reserves. This buying activity reduces the available supply of gold and signals confidence in its role as a strategic asset, contributing to higher prices.
4. Supply and Demand Dynamics:
Investment Demand: Increased investment in gold through physical bullion (bars and coins) and Exchange Traded Funds (ETFs) significantly impacts demand. High net long positions by speculators, driven by uncertainty, also contribute.
Jewelry and Industrial Demand: While investment demand is a significant driver right now, demand from the jewelry and technology sectors also plays a role in the overall supply-demand balance.
Current Gold Price and Recent Movements:
As of Friday, April 25, 2025, at approximately 2:38 PM EDT, the spot price of gold is around $3,280 – $3,362 per ounce.
Gold has seen a significant rally in 2025, reaching new all-time highs, even surpassing its inflation-adjusted peak from 1980. While there has been some pullback after reaching these record levels (around $3,500 recently), prices remain elevated. Analysts at firms like Goldman Sachs and JP Morgan anticipate that gold prices could continue to rise, potentially reaching $3,700 – $4,000 per ounce in the coming months, driven by ongoing economic and geopolitical uncertainties, as well as potential shifts in monetary policy.
In summary, the high gold prices we are currently witnessing are driven by a combination of factors that underscore its role as a safe-haven asset in an uncertain global economic and political landscape. These include geopolitical tensions, inflation concerns, expectations of lower interest rates, central bank buying, and strong investment demand.
Buy Directly from the mint.
Golden State Mint
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My Daymond John, All-In-One- Marketing, Experience
Hi, I want to tell you about my experience with Daymond John and his affiliated partner All in One Marketing. First let me tell you a little about myself. My name is Joe Hurley and I am 67 years old. I worked for Coca Cola for 39 years as a merchandiser/sales, back breaking work. I dabbled in affiliate marketing over those years as well and did okay and learned a lot. Then just when covid hit my health took a turn for the worst. I started getting lightheaded dizzy and couldn’t walk even ten feet without having to sit. Turned out that I had prostate cancer and my kidneys were failing and I developed Afib all at once. I went out on short term disability from my job at coca cola which they paid me $668.31 a month for 6 months. I blew through all of my savings at thathat time and was still very sick. By the grace of God, I was approved for Social Security Disability; that save me from financial ruins. Then I got covid on top of all that was going on. The doctor told me that they could remove the cancer go through 40 treatments of radiation therapy, 5 days a week for 8 weeks. The only problem was that that i needed a procedure done first to remove the cancer. I said fine let’s do it. He informed me that because of covid they were only admitting covid patients. I was on a full foley catheter because I couldn’t empty my blader on my own. So, I had to wear it for 6 months before I could get admitted for the procedure needed to remove the cancer and start peeing on my own. During that period, I got a bad urinary tract infection from the catheter and almost died. Fast forward to today my cancer is gone and my kidneys are functioning at 33% and my Afib is under control with medication. I am feeling better but not at 100%. Now you’re probably saying to yourself what does this have to with Daymond John and All in One Marketing. After I turned 66 and 6 months, I came off SSD and went on Social Security and was able to earn income again. But not well enough to hold a job. So, I turned to Affiliate marketing again. That’s where I crossed paths with Daymond and his Partners. They were offering a free to join affiliate marketing program called Pop-Up Shark that I qualified for by them. This is where Daymond will visit a small business for 90 minutes and talk about anything they wanted. He would charge $20,000 per visit and pay an affiliate like me $2,000 for every business that signed up and paid. A portion of the fee goes to charity, but I don’t know how much. I thought this was great; and right in my wheelhouse, what a break. So, I started calling businesses in the Chamber of Congress of the Cities where Daymond was going to be. I spoke to 2 prospects that wanted more information. So, I contacted Daymond's team to see what they had to offer to send them. They emailed me two links with more info to send, and I did just that. Then after that I didn’t see any signups in my back office, so I called my prospects. They told me that They had signed up on the links that I had sent them. So. I called Daymonds team and Emailed them multiple times to correct this, but I never got a response. So, I wrote it of as a learning experience and kept on advertising. I am good at SEO getting my ads on the first page of google for certain keywords in the organic search. As of April 2025, I had sent over 15 thousand prospects to my signup page with no results. I usually average 1 per thousand from my efforts to purchase what I am advertising. After seeing these results, I was getting skeptical of what was going on. I decided to sign myself up as a customer looking for a visit. I filled out the application and was told to text a number and I did. I asked if the promotion was still going on. They replied yes and tried to give me further instructions. Now this is the first human contact that I have had with anyone from Daymond's team. So, I told them that I was an affiliate with the Pop-Up shark program and he asked me my name and where I was located. I told him that I was getting zero results, and I thought it was from the fee being too much for a visit. Then he informed me that they ended the free affiliate program at the end of December 2024 and were now charging 3k to join. I said that I was not informed about this change. I told him that I have invested what little I had into promoting this program. This now May of 2025. He said we can’t help if you don’t check your emails. I am on my laptop all day every day and check my emails almost every hour and I told him that was B.S.! I searched my emails and found nothing of the sort from them. I told him if Daymond is a billionaire why would he charge me 3k and then spend my money on advertising his program! (This wreaks Of Phil Smith of All-In –One- Marketing)! His response was you can just say no! I told him about my thoughts on what they should have done. That it would have only been fair to grandfather in all current affiliates and only charge new ones that want to join. Then there was No Response. So, now I am out all the time and money that I put into my efforts and out the $4000 that I didn’t get credit for.
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