Church Fund – UAOC http://uaoc.net/ Thu, 30 Jun 2022 18:18:15 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://uaoc.net/wp-content/uploads/2021/06/icon-1-150x150.png Church Fund – UAOC http://uaoc.net/ 32 32 Business loans for 100K | Navigation https://uaoc.net/business-loans-for-100k-navigation/ Thu, 30 Jun 2022 17:31:43 +0000 https://uaoc.net/business-loans-for-100k-navigation/ If you are a business owner struggling with cash flow or looking to expand, consider small business financing. There are many $100,000 business loan options that may be open to your business. This article gives you great options for a $100,000 business loan, explains what you need to qualify, and answers common questions about this […]]]>

If you are a business owner struggling with cash flow or looking to expand, consider small business financing. There are many $100,000 business loan options that may be open to your business. This article gives you great options for a $100,000 business loan, explains what you need to qualify, and answers common questions about this amount of financing.

The best business loan options for $100,000

Finding financing options that offer $100,000 can be tricky. But you’ll be happy to know that there are many types of loans that offer this lump sum.

Here are some loan offers that we recommend:

How to qualify for a $100,000 business loan

There are many small business loans that can help you start a business, increase your cash flow, or build inventory or equipment. To increase your chances of getting business loans by 100,000, follow these 5 easy steps:

1. Establish your credit scores

When deciding whether or not you meet the eligibility criteria, a commercial lender will likely review your credit history. They can review both your personal credit score and your business credit score, depending on their needs.

Whether you have bad credit or good credit can help lenders decide if you get financing, and it can also influence the interest rate you receive. Generally, a good credit score means you seem more likely to pay your debts, which can help you get lower interest rates. Don’t miss Nav’s guide on how to establish business credit for everything you need to know.

2. Find the best lender

When choosing a lender, compare factors such as interest rates, approval requirements, and monthly payment terms. Traditional banks often offer financing for businesses, such as term loans, trade lines of credit, or Small Business Administration (SBA) loans like the SBA 7(a) loan. These options can offer low interest rates and good repayment terms. However, keep in mind that bank loan applications can be subject to strict requirements and take months to be approved.

On the other hand, alternative and online lenders often have faster online application processes. These lenders may offer similar types of loans, although you may find that they offer you a higher interest rate.

If you find you can’t qualify for any of these loans, you can also check out business credit cards to fill the cash gap and get fast financing.

3. Gather your documents

Commercial lenders usually list on their websites which financial or legal documents you need to request. Depending on the type of financing, you may need to provide your business financial statements, bank statements from a business bank account, or tax returns. Check with each lender to see what they need from you before applying.

4. Create a detailed business plan

A business plan outlines your goals and what your small business needs to achieve them. Many lenders will want to see a concrete business plan before they are willing to offer you financing. Essentially, they seek business direction and well-planned goals. If you need help writing your business plan, check out Nav’s guide to writing a business plan.

5. Offer guarantees, if necessary

Some loans require you to pay a deposit or a guarantee. These loans are called secured loans. Whether or not you qualify for a secured or unsecured business loan depends on factors such as your credit scores and business income. Be prepared to offer collateral if needed for financing.

How much money do you need for a 100,000 business loan?

It may sound counter-intuitive, but sometimes you need a down payment to secure business financing. The good news is that it is rare. If you are looking for a $100,000 business loan, you may need to provide a down payment on the loan or use it as collateral. But not always.

On the other hand, you may be required to post personal collateral or business assets as collateral for a loan. The security deposit can help you qualify for financing that you might not otherwise have.

Whether or not you need to pay a deposit depends on factors such as:

  • The type of financing. Commercial lines of credit and short-term loans generally don’t require a down payment, but many SBA loans do.
  • The amount of the loan. Lenders may ask you to put down a percentage of the total loan amount as a down payment, similar to a mortgage.
  • Annual revenue and financial details of your business. The more you are able to repay your debts, the less likely you are to find high down payment or security requirements.
  • How you will use the loan. The purpose of the loan is often taken into account when determining whether or not you will need cash before borrowing.

These factors may also affect your loan payments and repayment terms. If you’re a strong lender candidate, you may get a lower annual percentage rate (APR) and be required to pay less each month.

Can a startup be approved for a $100,000 business loan?

Even if you have a brand new business, it helps to understand that there are business start-up loans that may be available to you. You may have heard that lenders’ eligibility criteria focus on things like minimum credit score, time spent in business, and annual income from your business. While this is true for some lending options, there are other lenders and options that might be right for your startup.
One way to quickly find financing for small businesses is to create a free Nav account. Nav instantly finds the loans you’re most likely to get based on your business data.

This article was originally written on June 30, 2022.

Rate this article

This article has no ratings yet.

class=”blarg”>

]]>
What are commercial real estate loans? https://uaoc.net/what-are-commercial-real-estate-loans/ Tue, 28 Jun 2022 10:00:31 +0000 https://uaoc.net/what-are-commercial-real-estate-loans/ Commercial real estate loans (CRE loans) are a popular way for businesses to finance the purchase, renovation or expansion of commercial property such as these top US real estate franchises. We will discuss the pros and cons of business loans, best lenders, loan requirements, and more. Let’s start! What is a commercial real estate loan? […]]]>

Commercial real estate loans (CRE loans) are a popular way for businesses to finance the purchase, renovation or expansion of commercial property such as these top US real estate franchises. We will discuss the pros and cons of business loans, best lenders, loan requirements, and more. Let’s start!



What is a commercial real estate loan?

Commercial real estate loans are mortgage loans used to purchase, refinance or renovate commercial properties. The terms and conditions of these loans can vary greatly. Commercial real estate financing can be obtained from many sources, including traditional banks, credit unions, life insurance companies and private investors.

Is a commercial real estate loan right for your small business?

CRE loans can be attractive for small business owners, however, it is important to understand the pros and cons of taking out such a loan before making any decision. The Small Business Administration (SBA) has helpful information on its website about things to consider when applying for a business loan. Before applying for a loan, find out how these 5 real estate investing mistakes could be killing your business! Learn why.

Benefits of commercial loans for real estate

Commercial real estate loans can offer many benefits to business owners, including the following five:

  • Flexibility in repayment terms – You can usually choose from a variety of repayment options, including interest-only payments, lump sum payments, and more.
  • Low Interest Rates – Commercial real estate loans often come with lower interest rates than other types of loans, such as business credit cards or personal loans for better monthly payments.
  • Potential tax benefits – Interest paid on a business loan is often tax deductible. This can be a valuable benefit, especially for companies struggling to make ends meet.
  • Better Loan Terms – You can potentially get higher loan amounts and longer repayment terms than other types of loans. It can give you the financial leeway you need to grow your commercial real estate business.
  • Build business credit – Making timely payments on a CRE loan can help you build business credit, which can be helpful if you need to apply for a business loan in the future.

Disadvantages of commercial real estate loans

There are also some potential downsides to taking out a CRE loan, including the following four reasons:

  • Fees and Closing Costs – Commercial real estate loans often come with a variety of fees and closing costs that can add up. Hard money loans, for example, can be more expensive than traditional loans.
  • Loan minimums – Some lenders have minimum loan amounts, which can range from $100,000 to $1 million or more. Down payment requirements can also be higher, usually 20% to 30% of the purchase price of the property.
  • Higher interest and DSCR – Interest rates on commercial loans are often higher than those on residential loans. Your debt service coverage ratio (DSCR) will also be considered, which measures your ability to repay a loan using existing cash flow.

Best commercial real estate lenders in 2022

Here is a list of the best commercial lenders to get SBA loans in 2022:

1. American Bank

US Bank offers different types of business loans with longer terms up to 25 years, but has higher credit requirements than other lenders on this list.

2.KeyBank

KeyBank Real Estate Capital provides financing for commercial and multi-family properties through various solutions such as corporate mortgage-backed securities markets.

3. Wells Fargo

Wells Fargo is a great choice for borrowers looking for a conventional bank mortgage with financing up to $1 million over five and 10 years, and up to 20 years for larger projects.

4. CBRE

With over 14,000 loans, CBRE Loan Services provides expert lending services tailored to the specific needs of its clients. They have offices in the United States, Europe, and Asia-Pacific.

5. JPMorgan Chase

JPMorgan offers commercial loans up to $15 million. However, for multi-family projects, they will lend up to $25 million.

6. Walker and Dunlop

With 39 offices nationwide and over 1,300 employees, Walker & Dunlop has closed over $260 billion in business since 2011. They have many financing options available.

7. SmartBiz

SmartBiz takes the complicated and time-consuming process of applying for SBA loans and makes them more manageable. Financing on an SBA loan of up to $5 million and 25 years with a loan-to-value ratio of up to 90% is available.

8. Northeast Shore

Northeast Bank offers loans, including SBA and USDA loans, in many sectors such as hotels, gas stations and self-storage.

9. Berkadia

Berkadia crafts long-term solutions tailored specifically around what’s best for your unique situation.

Commercial real estate loan requirements

Here are some key requirements for getting a commercial real estate loan:

  • Strong Credit Score: To qualify for a CRE loan, you will need a strong credit score. Lenders generally look for a credit score of 680 or higher.
  • Solid business plan: Lenders will also want to see a well-thought-out business plan. This should include information about your expected income, expenses, and how you plan to use the loan proceeds.
  • Security: Most lenders will require some form of security, such as a mortgage on your property or a personal guarantee.
  • Down payment: You will usually need to make a 20-30% down payment on a CRE loan.
  • An experienced team: It is also important to have an experienced team in place, including a real estate agent, a lawyer and an accountant.

How to get a commercial real estate loan

With a little preparation and knowledge, you’ll be well on your way to getting the financing you need. Follow these steps:

  1. Determine the amount you need to borrow: this will help you narrow down your list of potential lenders.
  2. Compare interest rates and terms: Business credit ratings, collateral, and down payments will all play a part in the interest rate you’re offered.
  3. Choose the right lender: LTV, fees, and customer service should all be considered when choosing a lender.
  4. Get your paperwork in order: This includes your financial statements, business plan, and other documents the lender will need.
  5. Negotiate the terms of the loan: Once you have chosen a lender, it is time to negotiate the terms of the loan.
  6. Take out the loan: Once you’ve reached an agreement with the lender, it’s time to take out the loan and start expanding your business.

Do commercial banks offer home loans?

Yes, commercial banks offer home loans. Commercial banks generally have more experience with home loans than other lenders, and they may be more willing to work with you on loan terms.

What credit score is needed for a business loan?

To qualify for a commercial real estate loan, you will generally need a credit score of 680 or higher. Lenders want to make sure you are a safe bet before lending you money.

What is a good interest rate on commercial loans for real estate?

Commercial real estate loans currently have an interest rate of 2.2% to 18%. Interest rates on these loans are determined by the borrower’s credit rating, the amount of money borrowed and the value of the property used as collateral for the loan.

Image: Envato Elements


]]>
Rules in the works for tourism recovery program loans https://uaoc.net/rules-in-the-works-for-tourism-recovery-program-loans/ Sun, 26 Jun 2022 14:06:00 +0000 https://uaoc.net/rules-in-the-works-for-tourism-recovery-program-loans/ State Secretary of Tourism Ministry Song Tong Hap (L) during an online meeting on June 24. MINISTRY OF TOURISM The government is developing a set of procedures and conditions for tourism-related businesses to obtain a guarantee certificate from the Credit Guarantee Corporation of Cambodia Plc (CGCC) and receive credit from the $150 million Tourism Recovery […]]]>

State Secretary of Tourism Ministry Song Tong Hap (L) during an online meeting on June 24. MINISTRY OF TOURISM

The government is developing a set of procedures and conditions for tourism-related businesses to obtain a guarantee certificate from the Credit Guarantee Corporation of Cambodia Plc (CGCC) and receive credit from the $150 million Tourism Recovery Co-financing Program recently launched (TRCS).

TRCS was financed by a matching fund between the government and financial institutions, with $75 million from the national budget to be disbursed in the form of loans issued by the Small and Medium-sized Enterprise Bank of Cambodia Plc (SME Bank) , run by the state. and the remaining $75 million in loans made through commercial banks and microfinance institutions (MFIs).

In a June 24 meeting on the issue, State Secretary of the Ministry of Tourism, Song Tong Hap, stressed that the procedures and conditions must support the TRCS – deployed on May 17 – to restore the tourism industry. tourism and promote growth.

Tong Hap, who also chairs a tourism industry and workforce support sub-working group, noted that the CGCC launched the Co-Financing Guarantee Program (CFGS) on Sept. 22 to provide credit guarantees on business loans, sharing risks with credit institutions and fostering financial inclusion.

The main TRCS offers include a maximum interest rate of 6.5% per annum, a grace period of 12 months, a loan term of up to seven years, a loan amount of up to $400,000 and the possibility of receiving funds in riel or in US dollars. . According to Tong Hap, no collateral is required either.

He believes that the TRCS, combined with the CFGS, will be an important financial tool to quickly align the tourism recovery with the ministry’s expectations that Cambodia will receive seven million foreign visitors and see 11 million domestic trips by 2023.

CGCC Deputy General Manager No Lida said the tourism business must meet a number of conditions, such as: being more than 50% locally owned; be registered with the tax authorities “after obtaining a credit guarantee”; and demonstrate its ability to repay.

He said such businesses can obtain a Letter of Guarantee (LG) by contacting the institution from which they applied for the loan, which will in turn apply for the LG from CGCC.

Thourn Sinan, chairman of IMCT Co Ltd and the Cambodian chapter of the Pacific Asia Travel Association (PATACC), said he believed the procedures and conditions would be “very attractive” to tourism-related businesses, noting that the he industry still faces obstacles in the loan application process. .

“The Ministry of Tourism has really worked hard to help tourism businesses. But in the past, we had some problems, for example when the SME Bank announced an interest rate of 6.5%, but when our members went to ask for a loan, the rate was rather 7, 5%, and more sustainability reporting money was required, and that’s what worries us,” he said.

]]>
Telangana gets RBI nod for market loans, with runners | Hyderabad News https://uaoc.net/telangana-gets-rbi-nod-for-market-loans-with-runners-hyderabad-news/ Sat, 25 Jun 2022 00:06:00 +0000 https://uaoc.net/telangana-gets-rbi-nod-for-market-loans-with-runners-hyderabad-news/ Currently, state government shares will bear interest at auction rates determined by the RBI. HYDERABAD: After months of talks with the Union Ministry of Finance, Telangana got clearance from RBI for open market borrowing in the third month of this fiscal year, Sribala Vadlapatla reports. The RBI gave the green signal for off-budget borrowing, but […]]]>
Currently, state government shares will bear interest at auction rates determined by the RBI.

HYDERABAD: After months of talks with the Union Ministry of Finance, Telangana got clearance from RBI for open market borrowing in the third month of this fiscal year, Sribala Vadlapatla reports. The RBI gave the green signal for off-budget borrowing, but only for the first two quarters and not exceeding Rs 20,000 crore.
Market loans: Telangana gets RBI nod with thin window
After months of strenuous discussions with the Union Finance Ministry, even citing the amended FRBM rules, Telangana finally got regular clearance from RBI for open market borrowing in the third month of this fiscal year, although only with a reduced lending window.
The Union Finance Ministry has given the green signal for off-budget borrowing, but only for the first two quarters, and not exceeding Rs 20,000 crore. Earlier this month, Telangana secured ad hoc clearance to raise Rs 4,000 crore from the market. “This corpus will form part of the total of Rs 20,000 crore, which the state can borrow in the first two quarters of this financial year, leaving time until September to raise the remaining Rs 16,000 crore,” a source said. highly placed to YOU.
On Friday, Telangana used this regular permission to retain a loan withdrawal of Rs 1,000 crore for a repayment period of 12 years at the apex bank. Andhra Pradesh, Assam, Gujarat, Haryana, Madhya Pradesh, Rajasthan, Tamil Nadu and West Bengal will participate in the auction early next week, where the total borrowings of these States is set at Rs 19,000 crore.
The state government had proposed to borrow around Rs 53,000 crore from the market in the financial year 2022-23. Sources said the Union Finance Ministry may open a second window to allow borrowings of Rs 20,000 crore for the last two quarters depending on Telangana’s income during those months.
In addition, a cap of Rs 7,000 to 10,000 crores may be imposed on the state, preventing it from utilizing the entire loan offered in the current window. “The state government has provided sufficient data on its debt burden to the Union Ministry of Finance and the proposed reduction in the lending window will be implemented in installments,” sources said.
Telangana raised Rs 43,784 crore on the open market in the auction conducted by the apex bank in the last financial year. Currently, state government shares will bear interest at auction rates determined by the RBI.

FOLLOW US ON SOCIAL NETWORKS

FacebookTwitterinstagramKOO APPYOUTUBE

]]>
Penalties for misuse of coronavirus loans, insolvency firm Antony Batty warns https://uaoc.net/penalties-for-misuse-of-coronavirus-loans-insolvency-firm-antony-batty-warns/ Thu, 23 Jun 2022 04:43:00 +0000 https://uaoc.net/penalties-for-misuse-of-coronavirus-loans-insolvency-firm-antony-batty-warns/ COMPANIES have been warned they could face penalties including winding-up orders and disqualifications of directors if coronavirus loans have been misused or improperly requested. Insolvency firm Antony Batty says it has also heard of companies struggling to repay government-backed loans and struggling to renegotiate. The government has backed loans totaling £38 billion in business loans […]]]>

COMPANIES have been warned they could face penalties including winding-up orders and disqualifications of directors if coronavirus loans have been misused or improperly requested.

Insolvency firm Antony Batty says it has also heard of companies struggling to repay government-backed loans and struggling to renegotiate.

The government has backed loans totaling £38 billion in business loans under the Coronavirus Business Interruption Loan (CBIL) scheme and its replacement with the Bounce Back Loan (BBL) scheme.

Elaine Wilkins, business development manager at Antony Batty’s office in Bournemouth, said that although the government guaranteed 80% of the funds loaned, there were indications that the government guarantee could be withdrawn when the lender did not use systems to identify inappropriate requests.

“This type of situation could lead to the lender being 100% responsible for these loans and lead them to consider their options for recovering these funds,” she said.

HMRC said it could issue freezing orders to recover funds fraudulently lent, while the Insolvency Service has liquidated businesses and obtained orders disqualifying directors for up to 15 years.

Fraudulent loans could also result in civil or criminal liability.

Ms Wilkins added: “As insolvency practitioners, we have a duty to investigate the affairs of an insolvent company and the conduct of its directors.

“This would involve reviewing all applications for such loans to verify that they have been properly made and that these funds have been properly used to support the business as intended, and not, for example, to replace an existing loan that had been personally guaranteed by the directors.”

She said many businesses had only been able to weather the pandemic with government support, but long-term recovery also required economic growth, which had been pinched by inflation and supply chain issues. supply.

Antony Batty has heard of companies starting to struggle with repayments and finding it difficult to renegotiate payments with the lender.

But the company said troubled businesses could be turned around through measures such as negotiations with creditors, refinancing or restructuring using a company voluntary agreement (CVA).

The government guarantee on a Covid loan only takes effect if a business enters a formal liquidation process, so loans and repayments must be processed if a business is to continue.

]]>
Dartmouth eliminates student loans for undergraduates https://uaoc.net/dartmouth-eliminates-student-loans-for-undergraduates/ Mon, 20 Jun 2022 22:09:53 +0000 https://uaoc.net/dartmouth-eliminates-student-loans-for-undergraduates/ Donating financial aid through The Call to Lead campaign has reinforced Dartmouth’s commitment to making a college education accessible and affordable to the most promising and talented students around the world and from all economic backgrounds. “Thanks to this extraordinary investment from our community, students can prepare for lives of impact with fewer constraints,” says […]]]>

Donating financial aid through The Call to Lead campaign has reinforced Dartmouth’s commitment to making a college education accessible and affordable to the most promising and talented students around the world and from all economic backgrounds.

“Thanks to this extraordinary investment from our community, students can prepare for lives of impact with fewer constraints,” says President Hanlon. “Eliminating loans from financial aid programs will allow Dartmouth undergraduates to pursue their purpose and passion in the widest possible range of career opportunities.”

Two recent donations capped efforts to eliminate student debt through the campaign. In May, Anne Kubik ’87, a member of the President’s Commission on Financial Aid and an early supporter of the initiative, added $10 million to an earlier pledge to bring the effort closer to reality. An anonymous donor then committed $25 million to complete the campaign, establishing one of the largest scholarship endowments in Dartmouth history.

“Our gratitude for these extraordinary acts of generosity knows no bounds,” said President Hanlon.

“Both donors have told me of their enthusiasm for ensuring that more applicants can pursue an education at Dartmouth without worrying about their financial means.”

– President Philip J. Hanlon ’77

Currently, Dartmouth undergraduates from families with annual incomes of $125,000 or less and with typical assets are offered need-based aid with no loan component required. Dartmouth now waives the loan requirement for undergraduate students from families with annual incomes over $125,000 who receive need-based financial aid. This will reduce the debt burden of hundreds of middle-income Dartmouth students and their families by an average of $22,000 over four years. This will in turn open up opportunities for recent graduates to consider career opportunities or advanced degrees that they might not otherwise have been able to pursue.

More than 65 families have supported the campaign’s goal of eliminating loan requirements from Dartmouth’s undergraduate financial aid scholarships, committing more than $80 million in donations to the endowment.

“This gift honors Dartmouth’s tradition of service,” says Kubik.

“Over the years, I’ve been fortunate to serve alongside alumni who dedicate hundreds of hours to making Dartmouth stronger for future students. The presidential commission embodied the best of this altruism of the elders. Dartmouth is more welcoming than ever because of it.

-Anne Kubik ’87

Successful applicants to the Class of 2027 will be the first undergraduate students to enroll through this historic investment in Dartmouth’s endowment.

Over the past week, members of the Dartmouth community have rallied to pledge an additional $5 million to eliminate required loans in financial aid scholarships for all current AB students, many of whom have seen their university experience disrupted by the global pandemic. President Hanlon thanked several families for their commitment to extending the no-loan policy to current students: Dana Banga and Angad Banga ’06; Leslie Davis Dahl ’85 and Robert Dahl; Katherine Dunleavy and Keith Dunleavy ’91; Karen Frank and James Frank ’65 (in honor of Peggy Epstein Tanner ’79); Julie McColl-McKenna ’89 and David McKenna ’89; Hadley Mullin ’96 and Daniel Kalafatas ’96; Robin Bryson Reynolds ’91 and Jake Reynolds ’90; and Victoria Ershova and Mike Triplett ’96.

“Dartmouth’s commitment to meeting 100% of demonstrated need for all students is longstanding and a source of pride,” says Lee Coffin, Vice Provost, Admissions and Dean of Admissions and Financial Aid. “These new policies reinforce this deep and enduring commitment to full and equal access to an education in Dartmouth. Expanding scholarships by removing loans from all aid programs further levels the playing field as we invite students from all socio-economic backgrounds to join the Dartmouth community.

]]>
Crypto Broker Voyager Digital Said It Got Loans From Alameda Research https://uaoc.net/crypto-broker-voyager-digital-said-it-got-loans-from-alameda-research/ Sat, 18 Jun 2022 22:30:00 +0000 https://uaoc.net/crypto-broker-voyager-digital-said-it-got-loans-from-alameda-research/ Returns should be used to protect client resources given the current unpredictability of the market and provided such use is necessary BTC price at time of writing – 19,191.27 Notwithstanding the assets accessible under the credit bureaus, Voyager has over $200 million on its accounting report Crypto financier Voyager Digital has signed a non-restrictive term […]]]>
  • Returns should be used to protect client resources given the current unpredictability of the market and provided such use is necessary
  • BTC price at time of writing – 19,191.27
  • Notwithstanding the assets accessible under the credit bureaus, Voyager has over $200 million on its accounting report

Crypto financier Voyager Digital has signed a non-restrictive term sheet with Alameda Research for a rotating credit extension providing access to additional capital, in light of the dynamic economic situation, it said in a press release on Friday. .

Returns should be used to protect client resources given the current market volatility and provided such use is necessary, he said. The initial segment is a $200 million cash/USDC-based credit bureau, while a second is 15,000 in Bitcoin (BTC).

The credit facilities expire on December 31, 2024

Credit bureaus close December 31, 2024, with a 5% annual lending fee payable on the development. Notwithstanding the assets accessible under the credit bureaus, Voyager has over $200 million on its monetary balance sheet.

Explorer and Alameda take care of the documentation, which would be considered normal to be finished before very long.

For quite a long time, most crypto assets have been bought, sold, and hung on exchanges. One small step at a time, this is starting to change as an ever-increasing number of monetary establishments begin to support digital currencies for customers.

There are huge cost gaps between crypto transactions that allow monetary institutions to track a few transactions to exploit the distribution of costs between transactions. Since the crypto market is still in its infancy, there is a huge amount of money to be made by stockpiling cost spreads between transactions.

ALSO READ: Vechain’s toolchain could revolutionize the supply chain

VGX price at time of writing – $0.502

Essentially, Voyager Digital releases Bitcoin and other tokens as secured credit with connected edge calls, and then, at this point, Voyager returns approximately 80% of the purchased premium to the customer. Explorer currently does this with 22 tokens.

All other banks and financiers will advance your stores in the same way, but they will keep 100% of the profits.

Why do organizations receive tokens for such a high funding cost? Since the crypto market is still young, many organizations are acquiring crypto tokens from different organizations as they need to exploit cost differentials between different trades by exchanging the acquired tokens.

It’s like playing the role of a market producer. These market makers get more liquidity than the premium they pay to acquire the tokens. As the market proves to be more efficient, these loan fees will likely come down.

Steve Anderson
Latest posts by Steve Anderson (see everything)

]]>
For the first time ever, low-interest 20-year loans are available for homeowners who need a roof over their heads https://uaoc.net/for-the-first-time-ever-low-interest-20-year-loans-are-available-for-homeowners-who-need-a-roof-over-their-heads/ Thu, 16 Jun 2022 19:23:05 +0000 https://uaoc.net/for-the-first-time-ever-low-interest-20-year-loans-are-available-for-homeowners-who-need-a-roof-over-their-heads/ With rising inflation and supply shortages affecting all sectors of the economy, McAllen Valley Roofing Co. is working to provide affordable solutions for homeowners who are unable to directly pay for a new roof. out of their pocket. MCALLEN, TX (PRWEB) June 16, 2022 McAllen Valley Roofing Co, a leading roofing company in the […]]]>

With rising inflation and supply shortages affecting all sectors of the economy, McAllen Valley Roofing Co. is working to provide affordable solutions for homeowners who are unable to directly pay for a new roof. out of their pocket.

McAllen Valley Roofing Co, a leading roofing company in the State of Texas, has announced its new financing options to help homeowners with a revolutionary way to finance a brand new roof that will last them a lifetime.

With rising inflation and supply shortages affecting all sectors of the economy, McAllen Valley Roofing Co. is working to provide affordable solutions for homeowners who are unable to directly pay for a new roof. out of their pocket. Having between $10,000 and $50,000 on hand for a new roof is a freedom some people don’t have. This would lead to projects being delayed at likely points where the roof would need even more expensive repairs/replacements. Homeowners don’t have to wait to save and risk more expense with this new deal with McAllen Valley Roofing Co. The client is able to avoid costly structural issues by not neglecting the roof and instead financing for its peace of mind of mind.

“We asked our lenders to make this 20-year loan available to our community and they agreed. This is a huge win for our community by offering low monthly payments never seen before in the roofing industry. – Brian McSteen, Managing Partner.

Now, with a never-before-seen financing offer, McAllen Valley Roofing Co is making sustainable roofs available to eligible customers with $0 down, 0% interest and 0 payments for the first 18 months up to a 20 years old; approvals are made within 4 seconds of submitting all required information!

Many property insurers in recent years have shown they will refuse to write homes with roofs over 10 years old, forcing some policyholders to spend thousands on a new roof before renewing policies. With a $0 down payment, McAllen Valley Roofing Co. gives homeowners peace of mind to improve and protect their home, 0% interest allows the worry to be right on the house and not accumulate charges, and 0 payments for 18 months allows homeowners to enjoy their homes. new roof without any hindrance.

In the wake of these insurance rate hikes, insurer insolvencies and underwriting restrictions, this offer will be a game-changer for Texas homeowners.

To learn more about McAllen Valley Roofing financing programs, please visit: https://www.mcallenvalleyroofing.com/financing

About McAllen Valley Roofing Co.

McAllen Valley Roofing Co. is a leading roofing company in Texas that enables homeowners to receive roofing services with peace of mind. From installation and repair services to insurance claims assistance and emergency weather services, McAllen Valley Roofing Co. strives to provide quality service and be a trusted roofer. .

Share the article on social networks or by e-mail:

]]>
SITC: A public announcement in accordance with paragraph 4 of article 25 of the Regulations Governing the Loans of Funds and Endorsements/Guarantees by Public Enterprises. https://uaoc.net/sitc-a-public-announcement-in-accordance-with-paragraph-4-of-article-25-of-the-regulations-governing-the-loans-of-funds-and-endorsements-guarantees-by-public-enterprises/ Wed, 15 Jun 2022 04:03:04 +0000 https://uaoc.net/sitc-a-public-announcement-in-accordance-with-paragraph-4-of-article-25-of-the-regulations-governing-the-loans-of-funds-and-endorsements-guarantees-by-public-enterprises/ Statement 1.Date of occurrence of the event:2022/06/15 2.For the company for whom the endorsements/guarantees were made, please specify name of endorsed/guaranteed company, its relationship with the Company providing endorsements/guarantees, the ceiling on the endorsements/guarantees (thousand NTD), the original amount of endorsements/guarantees (thousand NTD), the amount of the current additional endorsements/guarantees (thousand NTD), the amount of […]]]>

Statement

1.Date of occurrence of the event:2022/06/15
2.For the company for whom the endorsements/guarantees were made, please
specify name of endorsed/guaranteed company, its relationship with
the Company providing endorsements/guarantees, the ceiling on the
endorsements/guarantees (thousand NTD), the original amount of
endorsements/guarantees (thousand NTD), the amount of the current additional
endorsements/guarantees (thousand NTD), the amount of
endorsements/guarantees as of the date of occurrence (thousand NTD), the
actual loaned amount of the company for whom endorsements/guarantees were
made (thousand NTD), and the reason for the current additional
endorsements/guarantees:
CB&I-CTCI B.V.
Joint venture company.
The ceiling on the endorsements/guarantees:
NT$108,368,274 thousand.
The original amount of endorsements/guarantees:
NT$0 thousand.
The amount of the current additional endorsements/guarantees:
NT$2,051,887 thousand.
The amount of endorsements/guarantees as of the date of occurrence
of the event:
NT$2,051,887 thousand.
The actual loaned amount of the company who was made
The endorsements/guarantees:
NT$2,051,887 thousand.
The reason for the current additional endorsements/guarantees:
In response to business growth.
3.For collaterals provided by the company for whom the
endorsements/guarantees were made, the content and the value (thousand NTD):
NT$0 thousand.
4.For the latest financial statements of the company for whom the
endorsements/guarantees were made, the Capital (thousand NTD) and Cumulative
gains/losses (thousand NTD):
 Capital for whom the endorsements/guarantees were made according to its
 latest financial report:NT$0thousand.
 Accumulated profit/loss for whom the endorsements/guarantees
 were made according to its latest financial report:
 NT$3,712,183 thousand.
5.For termination of endorsement/guarantee obligations, the condition and
the date:
 Terms/conditions of release of the Company's endorsement/guarantee
 obligations:Upon expiration of guarantee liability.
 Date of release of the Company's endorsement/guarantee obligations:
The guarantee obligations of USD70,632.9325 thousand will be released at
2023/09/30
6.The total amount of the ceiling on endorsements/guarantees (thousand NTD):
NT$180,613,790 thousand
7.The total amount of endorsements/guarantees as of the date of occurrence
(thousand NTD):NT$78,683,403 thousand.
8.The amount of endorsements/guarantees as a percentage of the
public company's net worth on the latest financial report as of the date of
occurrence:435.64%
9.The aggregate amount of equity method investments,
endorsements/guarantees, and monetary loans extended to others as a
percentage of the public company's net worth on the latest financial
statements:11.36%
10.Any other matters that need to be specified:
The exchange rate are based on the data at the end of previous month.
]]>
Barcelona transfer news: Latest on Lewandowski, Neves, player signings, loans and offers in 2022 summer window https://uaoc.net/barcelona-transfer-news-latest-on-lewandowski-neves-player-signings-loans-and-offers-in-2022-summer-window/ Sat, 11 Jun 2022 15:15:00 +0000 https://uaoc.net/barcelona-transfer-news-latest-on-lewandowski-neves-player-signings-loans-and-offers-in-2022-summer-window/ Barcelona finished trophyless throughout the 2021-22 season, and now it’s up to the Catalan giants to reorganize for a revitalized campaign next term. The club made a solid second-half push and secured Champions League play for next season, saving face for an otherwise fruitless campaign. Still, there are many questions to answer. Pierre-Emerick Aubameyang was […]]]>

Barcelona finished trophyless throughout the 2021-22 season, and now it’s up to the Catalan giants to reorganize for a revitalized campaign next term.

The club made a solid second-half push and secured Champions League play for next season, saving face for an otherwise fruitless campaign.

Still, there are many questions to answer. Pierre-Emerick Aubameyang was a new face in January and proved a shrewd acquisition, finding his best form at Camp Nou and helping Barcelona finish second in the league. Still, Aubameyang is 34 and could be on his last legs.

Ousmane Dembele is out of contract and could leave the club this summer on a free transfer, and there are rumors of a needed midfield upgrade.

The biggest elephant in the room for Barcelona is the club’s current financial situation. It is generally accepted that the club are in dire financial straits and have to generate most of their transfer funds by selling outgoing players of nearly equal value. This will be something both club and fans will keep in mind as Barcelona navigate the transfer window, and lower value transfers could become a priority given the club’s financial situation.

The Sporting News summarizes the major updates – all day, every day – below.


CONFIRMED OFFERS IN BARCELONA: Transfers in | Outgoing transfers | Updated team list


BARCELONA ANALYSIS:


Latest Barcelona transfer news

Last update: June 11

Bernardo Silva drops Barcelona transfer hint

Manchester City schemer Bernardo Silva has indicated he may be open to leaving Pep Guardiola’s side this summer.

Barcelona have been linked with a move for the Portugal international, despite his importance to City, and the former Benfica star has admitted his future is unresolved.

“Unfortunately, I can’t answer on my future, as I’m with the national team and super focused on the remaining game,” O Jogo said. “When the season ends, we’ll see what happens.”

Transfer expert Fabrizio Romano claims a meeting between Silva’s agent Jorge Mendes and Blaugrana boss Xavi included talks over a possible move for the 27-year-old.

Barcelona and Juventus fight for Ilkay Gundogan

Barcelona could turn their attention to City star Ilkay Gundogan ahead of the 2022/23 season despite interest from Serie A giants Juventus.

Xavi is aiming to strengthen his squad in the coming weeks, with reports from German outlet Bild claiming he is watching Gundogan.

Gundogan has been linked with a move away from the Etihad Stadium despite the two goals that clinched the Premier League title with his contract expiring in 2023.

The 31-year-old wants a consistent starting spot ahead of the 2022 World Cup, with his rotating role at City a source of frustration for the former Borussia Dortmund man.

Any move for Gundogan is only likely to proceed if Dutch star Frenkie de Jong chooses to leave, with Manchester United following suit.

Ferran Torres has rejected the transfer to Real Madrid

Ferran Torres has revealed he turned down joining Real Madrid earlier in his career.

The Spaniard has opened his first season in La Liga, having left Manchester City in January, and he is confident about Xavi’s plan at Camp Nou.

“I could have stayed at City and won many titles, but I wanted a new challenge. To sign for Barcelona is an honor, and when Xavi calls, it’s a no-brainer,” he said via Marca.

“That Robert Lewandowski is motivated to come to Barcelona is a source of pride. I hope he will reach an agreement and join.

“When I was young I had several opportunities to sign for Real Madrid, but now was not the time. An offer was during the World Cup, but I got into the Valencia first team, and I think it was good.

“With the other offers, I gave more importance to being closer to home and staying with my family.”

Barcelona linked with Villarreal star Gerard Moreno

Barcelona are preparing back-up plans if they fail to agree a deal for Bayern Munich superstar Robert Lewandowski this summer.

Polish hitman Lewandowski has been heavily linked with a move to Camp Nou but the Bavarians are expected to fight hard to retain their star.

According to Diario Sport, the Blaugrana have now set their sights elsewhere in case of emergency, with Villarreal’s Gerard Moreno an option for Xavi.

Moreno’s current release clause stands at €100m (£85.4m/$107m), but the Yellow Submarine could accept half that figure after missing out on a spot. qualifying for the Champions League for next season.

Lewandowski will ask to move

The relationship between the club and the player has broken down completely, with Lewandowski stating that ‘my story with Bayern is over’. Bayern CEO Oliver Kahn, unhappy with this definitive public statement, hit back, saying: “Why Robert chose this path, I can’t tell you. Appreciation is not a one-way street.” According to Spanish publication Sport, Lewandowski has decided to hold on during Bayern Munich’s pre-season.

LAST UPDATE (June 6): Lewandowski is still pushing for a move, saying “something died in me, I want to leave Bayern to have more emotions in my life.” two days before, fabrice romano reported that Lewandowski has a verbal agreement for a three-year contract at Barcelona.

Barcelona have been seen as the favorites to sign Lewandowski for months but according to La Liga boss Javier Tebas at the end of May the Catalan club need to ‘sell assets and earn more’. [revenue]in order to make a splash like this. “Today they can’t sign him,” Tebas said, referring to Lewandowski.

Dembele in talks over a new contract

Ousmane Dembele is out of contract this summer, and while in January it seemed certain the Frenchman would leave the club, his excellent form throughout the second half of the season has seemingly seen Barcelona reconsider.

Still, with Dembele now able to speak freely with other clubs, Barcelona are forced to compete in the open market to re-sign their 25-year-old wide. If Dembele leaves, it could trigger multiple rumors for other replacement wingers, like Leeds United’s Raphinha.

LAST UPDATE (June 6): While ESPN reported in April that the two sides have reopened contract talks, Barcelona now have to compete in the open market which could prove difficult. Spanish publication Sport report that PSG have pulled out of signing Dembele, leaving only Chelsea and Barcelona as remaining options. Mundo Deportivo, meanwhile, report that Barcelona are also starting to think about pulling out of negotiations with Dembele, having already submitted a final contract offer which won’t be increased.

Will Neves join Wolves?

The midfielder is a needed position for Barcelona, ​​and 25-year-old Wolves star Ruben Neves may be looking for an upgrade with his contract in two years. The Portugal international has been a star midfielder for years in the Premier League and could thrive at Barcelona if surrounded by talent. Wolves are likely to demand a hefty transfer fee for the club’s most valuable player.

LAST UPDATE (June 6): Spanish publication Sport reported at the end of April that agent Jorge Mendes was working on a deal to bring Neves to Barcelona, ​​and they have recently taken that one step further. Sport (as transmitted by SportWitness) have now reported that because Wolves’ €50m valuation of Neves is out of reach for cash-strapped Barcelona, ​​the Spanish side have offered Riqui Puig, Oscar Mingueza and Martin Braithwaite as makeshift products in a deal, but the only player Wolves are interested in is Nico Gonzalez.

Will Frenkie de Jong leave?

Dutch midfielder Frenkie de Jong has settled into a day-to-day role at Barcelona, ​​but there has been widespread speculation that the club may sacrifice de Jong as a valuable asset in order to raise the funds needed for further transfers. . De Jong himself has said he would ‘prefer to stay at Barcelona’ but he could be pressured to leave if a meaningful deal comes through.

LAST UPDATE (June 6): According to Spanish publication Sport, Manchester United have authorized the necessary funds to complete a deal for de Jong, but the biggest hurdle remaining is convincing the player to leave Barcelona.

Will Raphinha arrive from Leeds United?

Leeds United are considering whether to sell Raphinha this summer as the 25-year-old Brazilian is a wanted man and has just two years left on his contract. Still, Raphinha’s departure would significantly drain the team’s talent, and after claiming victory in a relegation battle last season, it could prove costly.

Last update (June 5): According to Fabrizio Romano, Leeds will only consider selling Raphinha on two previously stated ‘conditions’: they make a profit of €55m ($59m/£47m) and payment is made. made in a single payment. This will anger Barcelona who have very little financial flexibility this summer.


Transfers Barcelona: transfer window summer 2022

Incoming players:

Date Player Position Age club Transfer/loan fees

Absent players:

Date Player Position Age club Transfer/loan fees
June 30th Luuk de Jong ST 30 Seville Return from loan

Below is the updated Barcelona first-team list. New additions during the Summer 2022 window are shown in bold:

Guardians (3): Marc-Andre ter Stegen, Neto, Arnau Tenas

Defenders (10): Jordi Alba (LB), Dani Alves (RB), Ronald Araujo (CB), Alex Balde (LB), Sergino Dest (RB), Eric Garcia (CB), Clément Lenglet (CB), Oscar Mingueza (CB), Gerard Pique (CB), Samuel Umtiti (CB).

Midfielders (7): Sergio Busquets (DM), Frenkie de Jong (CM), Pedri (CM), Gavi (CM), Nico Gonzalez (CM), Riqui Puig (CM), Sergi Roberto (CM).

Forwards (8): Pierre-Emerick Aubameyang (CF), Martin Braithwaite (CF), Ousmane Dembele (AD), Memphis Depay (CF), Ansu Fati (AG), Ferran Torres (AD), Adama Traore (AD)

CB = central defender; LB = rear left; RB = right back; CM = central midfielder; CAM = attacking midfielder; CF = centre-forward; LW = left wing; RW = right wing

Barcelona’s current first-choice starting line-up, when fully healthy, currently looks like:

Barcelona projected their starting XI (4-3-3, left to right): Ter Stegen (GK) — Alba, Pique, Araujo, Alves — F. de Jong, Busquets, Pedri — Torres, Aubameyang, Dembele.

]]>