Different Uses of Graphite

Graphite felt is available in several thicknesses and widths to match the specific application. It is most commonly used as an insulating material, such as cladding, heat shields, or filters. Most of the felt is low density to help improve performance by letting a furnace or similar object heat and cool at a quicker rate. This low density also helps to control and stabilize the temperature to create the atmosphere that is more constant and maintains the more productive heat all the way through.

The felt can have an extra coating which is useful to give more protection against erosion. Graphite felt is made to be easy to cut to size and install in place. Plus, there is a rigid form of this material and created in a variety of shapes, such as rings, cylinders and baffles.

Here are a few of the popular uses of graphite:

Ceramics industry

The use of graphite is common in the ceramics industry to help increase performance while the furnaces are working at high temperatures, as well as giving greater mechanical strength and electrical conductivity.

Automotive industry

Graphite is the preferred material to use in place of asbestos in the automotive industry and can feature in a variety of areas, such as the brake lining and gaskets. Plus, it is a major aspect of brushes used in the electric motors.

Defense Technology

Graphite is a practical choice for a wide range of military aerospace vehicles because of the ability to endure high temperature ranges. Also, this material is a useful choice for space shuttles and applied as surface tiles. The material is very stable with high resistance properties, and can endure temperatures that reach up to 3000 degrees C.

Electronics industry

The use of an ultra-pure form of graphite is becoming more popular in electrical circuitry and components because of the increasing reliance on computers. Also, the graphite is a favored choice for electrical circuits and systems that rely on automation.

In addition to graphite, there is also a carbon fiber felt which is a similar type of material and useful in applications that need high temperature insulation, such as furnaces. This material also has high heat properties even with thin layers to provide the reliable and long-term insulation results. Plus, this material is able to avoid contracting or shrinking to help maintain the consistent heat and avoid issues with hot sports or cavities.

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The 8 Questions You Must Ask Before Working With Any Business Credit Building Company

There are few business credit building companies out there, however, those that are out there are taking advantage of the lack of knowledge from the general public regarding business credit and how to get a business loan.

DON’T LET THEM RIP YOU OFF!

I’m going to try to show how to get unlimited capital for your business…

Without risking your personal assets, lowering your personal credit score, or damaging your personal credit history

These 8 Simple Questions will ensure Your Success Building Business Credit when looking for a Small Business Loan

There are simply too many people who hire business credit building companies that are not happy with the results. Before choosing another company, if you ask these 8 questions you will be assured that you will be working with a legitimate company who can help you build business credit and more importantly get the small business loan you seek. Getting that business loan is after all what you’re looking for, isn’t it?

Why is it so important to work with knowledgeable advisor? Why can’t you do it on your own? The Fair Credit Reporting Act does not apply to the business credit bureaus; this means that if you make a mistake, skip a step, try and take a short cut, your business credit file can be “Red Flagged.” This means your company is prohibited from receiving credit and perhaps that elusive business loan.

There is a proven step-by-step process that MUST be followed if you plan on properly building your business credit and getting working capital. If you don’t follow the proven process then you can be put into the “High Risk” category. When that happens, no lending institution will give you a cash advance or small business loan and there is nothing you can do to remove it.

Make sure to choose a honest credit building company that has the knowledge, experience and proven systems to support you, before you decide whom you will work with, make sure to ask them these 8 vital questions.

Question #1

Will I be obtaining only trade credit or CASH credit?

Be careful, there are a number of companies out there that will only help you obtain trade credit. Trade credit can only be used with the individual creditor, and nowhere else. This is great if you need $3000 of paper products, but is useless if you need payroll loans, inventory loans, or simply to cover business expenses or expand your company.

And if it is CASH credit, will I always need to personally guarantee the application?”

If the company says you will always have to personally guarantee all types of credit – then you are NOT receiving the full benefit of business credit. Keep in mind, the solution must introduce you to business funding services that will not require a personal guarantee, however these non traditional lenders will still be checking your personal credit and need your social security number. They do this to stay in banking compliance.

Question #2:

Will a trained coach show me, step by step, how to incorporate my business and build business credit with an eye to getting that merchant loan or business loan?

My guess is that if you wanted to figure out the intricacies of incorporating your business, and building corporate credit on your own… you would have already done so. (I’ve done it. And believe me… this is NOT stuff you want to muddle through on your own.)

So if you won’t be receiving step-by-step instructions supported by a trained credit coach, resulting in a predictable successful outcome, call another company. (I’ll spell out each step for securing business loans without traditional personal guarantees in crystal clear detail in a later article).

Question #3:

If I get stuck while I’m taking all those necessary steps, will I have to pay you hundreds or even thousands to help me figure it out?

Many companies charge low fees up front and continue to tack on heavy, additional charges each time you call or write for help.

Make sure they deliver everything you need to know to secure a bad credit business line of credit or high risk business loans, all without the traditional personal guarantee. Make sure you will have access to a dedicated coaching advisor and who places no limits on how often you can speak with them.

Question #4:

Will you have the ability to set up capital loans, and monitor the development of your business credit score with all major business credit agencies all within your coaching platform?

Why work with an advisor who is trying to blindly lead you!

Question #5:

When companies promise to get you cash credit, ask them this pointed question: “What type of paperwork is required to get cash lines of credit?

Beware of companies that say it is not required to furnish any financial statements, tax returns, business plans, bank statements, etc., to obtain a small business loan without a traditional personal guarantee. When it comes to getting approvals for cash advance without a traditional personal guarantee, you will need to show that your company is financially responsible and you do this by showing it earns revenue, pays its bills on time and has establish good business credit.

If the company tells you that you can obtain this type of financing without providing any real documents, don’t bother working with them, they are not being honest.

Think about it, is a lender really going to give you hundreds of thousand of dollars without a traditional personal guarantee without you having to show them that you are a “safe-risk?” Over time I will show you exactly what you need to do in order to become a safe risk and secure a small business loan.

Question #6:

How are your coaches paid?

This is a really important question! How would you like to work with someone that could care less if you obtain the business loan you desperately need? Think about it!

Question #7:

When it comes time to apply for a business loan, are you going to pass me off from lender to lender?

This is another very important question. Virtually every credit building company will, when it is time to apply for a business loan, pass you off to one lender to apply, and then tell you to go and apply at the next lender and so on. They literally end up sending you on a wild goose chase and just hope that one of the non traditional lenders can obtain capital loans for you. Does this sound like something a real business credit and financing expert would do?

Question #8:

What kind of a guarantee do you offer?”

It’s critical to get the specifics about guarantees. Because most companies that offer guarantees or promise only that your corporation will get a 80+ Paydex score. While this is a start, it’s not good enough –

If after completing your program, you should have:

Corporate Compliance and documentation review

D&B file and a D&B rating

D&B Paydex Score

Business credit file with Corporate Experian with an intelliscore

Business credit file with business Equifax with the appropriate business credit score.

Trade accounts and/or Vendor Accounts with and without a personal guarantee.

A Business Credit that can be used to leverage financing opportunities

This is not, by any means, a comprehensive list of all the questions entrepreneurs should ask when it comes to building corporate credit. But if you address these costly and dangerous errors, you will be on your way to building a safe, secure, and financially sound business-the business you always dreamed of!

Hopefully, these 8 questions will help ensure that you work with a credit building company that will be honest, upfront as well as help you successfully establish your business credit and leverage it into new small business loans and opportunities for your business.

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Useful Tips for Choosing an Airport Taxi Service

Getting to the airport isn’t the easiest thing and can be more difficult for those travelling with a lot of luggage and family members. One option to forget about the logistics of reaching the airport on time is to make use of an airport taxi service. This can remove a lot of the stress and worry, but is still important to schedule the pickup to match the specific needs.

Here are a few tips to make sure the airport taxi service provides a prompt and timely package:

Plan ahead

A simple step that can make things go smoothly is to book the taxi well in advance. Make sure there is enough time to easily reach the airport without feeling rushed. Try to calculate the travel distance and add an extra hour or more in the event of heavy traffic. Also, if travelling during busy travel times, such as bank holidays, it may be worth adding a little more time.

Pay attention to reputation

Investigate two or three different companies and aim to identify one that is highly rated for providing a reliable deal in the local area. Use online reviews to get an idea of the quality and reputable of a potential company. Find one that has the courteous drivers and appreciated for providing timely pickups and drops-offs.

Most companies are quite similar, so it helps to ring around and get a price for the ride to the airport. Many quote a flat fee to travel from home to the airport, as well as any other pickups on the way. Also, make sure the preferred company has the necessary licensing and credentials to offer this particular type of service.

Amount of space

One of the important things to check is the amount of space for passengers and luggage that the vehicle can accept. The vehicles can vary significantly in size with a standard vehicle able to accept a couple with minimal luggage to the larger vehicle that can easily take six or seven passengers in comfort.

For those travelling with a lot of bags, it may be necessary to ask for a larger vehicle.

Call before pickup

Even if the airport taxi service has been booked and reserved in advance, it still may be worth giving the company a call a few hours before it should arrive at the pickup address to make sure it will be arriving on time.

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Incredible Business Growth With Custom Boxes

Some people are unaware of the little things that make a business move from a small business to a well-recognized business. One of such little, forgettable things is having custom boxes for every business. To confirm the truth about the importance of custom boxes, look around you, and list any five businesses or well-recognised servicing company you know, and you will immediately realize they all have their custom packages which stand as their branding.

For those people who are not conversant with custom boxes, here it is. These boxes in simple words; is your label, your brand, your name, your touch, being handed over to your customers in the form of the packaging used when delivering the goods to your clients. It is actually a box, or package bearing the seal of the company or business.

You might think this will cost so much for your small business, but no it is far cheaper than you thought and the effect it leaves for you is far more valuable. These have lots of benefits, but you will see a few of them listed here.

Benefits of Custom Boxes

1. These boxes give your Customers and excitement: your business can stand out with a unique box or bag the customers receive their goods in. It will amaze you to know that just a beautiful bag or box can make a customer repeat purchase. This little effect speaks volumes, of who you are, and how you value your customers. Everyone wants to be appreciated.

2. Serve as your marketer: Are you having trouble marketing your business without spending so much? Oh, this incredible little move of custom boxes is a marketer, spreads thick of how many people will see your brand name, as customers walk away with your name on them, by holding your bag.

3. Custom boxes spread your brand like a virus. Your business will be in one city, but the custom bag is in another. Don’t worry this means your business is spreading like a virus, and your Company will soon be visited by new customers.

4. These boxes are cheap to get: You don’t need a big business to use these custom boxes. You can use them for every business with customer packages, by hand or shipping. These boxes are cheap to get and won’t bite your business in any way. You can get the right information and do it with the most competitive producers available. This makes you get it, at almost no cost.

5. These create a rewarding excitement: you can’t take the joy and excitement you get when your customers appreciate your custom boxes, you know what they are actually appreciating? Your business. This will overall give your business the needed lift.

Little things are most times the hardest things to do, but now you know better. You can give your business the little push it needs to thrive. Get your custom boxes and let your business go viral.

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Rental Property Management: Is It Really Worth It To Hire This Service?

Why should I hire the services of the rental property management organization to look after my property given on rent? It would be the first question from every landlord who has given his property on rent, if you ask them to use the services of any such group existing in your city. You will agree that when a person lets his house or any part of his house for rent, his main goal is to earn profits from it to enjoy a better life and make payment of his various bills.

Giving a house on rent is one of the oldest practices carried across the world. If there are any used parts at home, people give it on rent to earn extra income from that part. To a certain extent, this practice seems possible to earn more income in short span of time without investing a single penny from the pocket. But, when a person has a huge amount of properties under his possession and he has given all of them on rent, then looking after all those properties at the same time could be complicated for him, until unless he has enough time to look after them or has someone to take the care of those properties in his absence. However, for that it is imperative that either you or the other person taking care of your property should have proper knowledge of handling the property given on rent.

This is mainly because of lots of legal formalities associated with it, moreover, there are certain conditions where being a landlord you have to sort out any issue arising from your property to your tenant. Let us, for instance, say, while giving your house on rent you told your tenant that the house is equipped with an electrical converter to lighten the house during the power cut. But, during power cuts if that electrical converter did not work, then at that time it is obvious that your tenant will call you and complain about that issue. In such situation if he is residing in your house then it will be easier for you to rectify his problem, but if your rented house is quite away from your residence, at that time going out of home to solve the issue of an electrical converter will be laborious and irritating for you. Therefore, to cope with all these issues it will be better for you to acquire the service, property management group to look after all such complicated issues.

The above mentioned illustration of an electrical converter is just an example to understand the relevance of the services offered by a property management group. There is a plethora of services offered by the expert working in these groups. These experts are well-versed with all legal activities which are expected to be performed by the landlord. Do you know, that before allowing someone to live in your house as a tenant it is imperatively expected from the landlord to cross check the background of your prospective tenant? May be your answer is yes, but do you know what to do if your tenant makes excuses in paying the rent on time, or starts making improper use of your prospective tenant. Hiring the services of experts working in property groups will help in overcoming all these problems.

These experts will properly advertise about the availability of your property to rent, conduct their interviews and cross check their credit from the local police station. Will collect rent from them on time. Make regular inspection of your property that it is not being damaged or improperly used by the tenants. Look after their phone calls during odd hours and reach at the site to solve those issues. These experts will also help you in getting your house vacated from the tenants before the expiry of the agreement, in case if you wish to use the house for some personal work. Not only this, if at the end of tenancy agreement your tenants wish to continue the agreement, in that scenario, these experts will get all the paper work done strictly according to the rules and regulations, prescribing the new terms and conditions related to the rent and use of the house.

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A Heartfelt New Year’s Resolution: Show You Care

I heard the sirens behind me before I saw the flashing lights of an ambulance, followed closely by a fire truck. Like everyone else on the roadway, I looked around trying to figure out where the ambulance was heading, and as soon as I saw the lights, eased my car over to the right side of the road. Only the ambulance wasn’t traveling in the direction of traffic, the ambulance was heading for whichever side of the roadway was clear, if only for a few car-lengths – much to the surprise, no doubt, of those in the oncoming lane of traffic.

I figured it must be a truly urgent emergency for the ambulance and fire truck to be commandeering both sides of Pacific Coast Highway. Nonetheless, drivers on either side were nudging their cars onto the side, out of the way. At no time did the ambulance have to blow its horn, slow down, or do anything else to get where it needed to go.

We care. We really do. In moments of crisis, large or small, our respect for one another simply as human beings, shows up. I am reminded of a very touching video posted in the final weeks of the chaotic Presidential campaigns, which featured a woman trying to find the owner of a lost dog found wandering in a parking lot. It was an “equal opportunity” posting, in that the same situation was played out in both Trump and Clinton rallies. The woman wore a “Trump” t-shirt in the Clinton situation, and a “Clinton” t-shirt in the Trump situation. Didn’t matter. People in both rallies, without exception, treated the woman with respect, and tried their very best to help her find the dog’s owner. Small crisis, true, but oh-so-telling.

We care. We really do. So what if, this New Year, we made a resolution to show our caring, our respect for our shared humanity, when it isn’t a matter of a lost dog or tragic accident? What if, just as a matter of course, throughout our most ordinary of days, we made the effort to give people the benefit of the doubt, to assume people are doing their best (including ourselves!), and to respect them, regardless of whether or not we agree with them?

I know, it’s easier to do with lost dogs than it is with co-workers or family, much less strangers who are rude to us or ignore us altogether. But heck, we’re still all in this together, and a little bit of respect and consideration goes a long way.

And who knows? Someone may give you some of that respect and consideration when you least expect it, in a most delightful way.

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How to Live a More Exciting Life With Network Marketing

If you are a network marketing professional then you have the ability to live an amazingly exciting life. In this article, we are going to talk about how to live a more exciting life with network marketing.

When you are working in network marketing you have the ability to be working from anywhere in the world now that we have the internet. There is no reason to be constrained to one area of the world. We can go anywhere in the world and still support our teams and show people how to be successful in our organizations.

If we don’t design it is not going to happen. If you do not know where you want to go, what you want to do and how you want to do it, it’s not going to happen. This is why we need to create dream lines. We need to know what we are going to fill our free time with once we create it. If we don’t know what we are going to do with the free time, we will find something to fill it.

The biggest trap is getting addicted to working for work’s sake. Instead of working for work’s safe we need to create systems that will work for us and fill our time with things we enjoy doing. What are some hobbies that you have? What are some causes you want to help with?

Network marketing allows us to live any lifestyle that we want to live and create passive, residual income but we have to tell life what we want. It is not enough just to have a dream board. You have to have a game plan.

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Online Presence And Reputation Are Key Factors Behind Successful Businesses

Online directories can be quite beneficial for startups and small business firms. Business owners just need to understand how online business directories work. Online directories are site submission services which allow businesses’ sites to be added to particular categories where the websites become easy for interested visitors to search.

Web directories and their importance

Online business directories let the target traffic to search for businesses and websites which they want to know more about or find interesting. Adding a business’s site to an online directory can increase the site’s online visibility. Moreover, online business directories can make it simple and easy to find what people are searching for.

The concept of such business directories is a simple one. These directories are quite similar to the Yellow Pages. Online business directories are just listing places for business websites. Any kind of site can be listed in online directories. Some directories are enormous and cover all topics that people can create websites for. On the other hand, there are small online directories that cover only a particular niche.

Get listed in a web directory to improve your business performance

To keep it straight, online business directories can direct people to any site which they want to find. People just need to search for particular categories or different types of categories till they find the kind of sites they are searching for. When someone browses through an online directory, they will be given lists of sites which relate to their keyword. They will also be given a list of links to the sites. These links will also have short descriptions about the websites. People can go through these descriptions and decide which one they want to choose.

Online reputation is vital any business these days

Exposure is a vital requirement of all kinds of marketing strategies. In fact, when people are more exposed to a business, they most likely will make use of the business’s services. When a business doesn’t have a proper online presence and online reputation, even its existence might not be known to people. If this happens, then business has great chances to become a failure.

Listing businesses’ sites in online business directories can help sites in gaining exposure. Tons of online visitors get to make use of such directories for finding things that interest them. These are prospect buyers who actively search for sites which are related to services or products that one’s business may be all about. Web directories can expose businesses to the target visitors. Hence, websites will get an increased amount of target online traffic. Apart from getting listed in online business directories, it is also important for businesses to have positive reviews online.

What more you need to boost your business

There are a few important reasons why businesses should take advantage of reputable online business directories for getting more prospects. On a daily basis, prospective customers keep searching for different types of business for finding solutions to their problems. This is when they may come across online business directories that may list of the types of sites they are in need of.

Make sure your business has positive reviews online

When potential customers find businesses on the internet, they go through online reviews for making sure that they get in touch with the right company or people. When businesses have good reviews on the internet can build their credibility. Such reviews can also let people know that businesses are reliable so that they can trust them. In addition to increased online exposure and positive reviews, online business directories don’t bother people’s budget.

Money matters at the end of the day

There are loads of online directories which can be used by business owners for free to list their businesses. This is one aspect that makes online directories one best marketing strategies, when it comes to running a business successfully. Any small business owner who wants to improve the online reputation and presence of his or her business may utilize the service of an online business directory.

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The Seven Wonders of the World

The world around is filled with all kinds of wonders and we can gaze at them only by opening our eyes and our hearts. After all you need to believe in magic to be able to believe it. However, if you’re someone who is a bit on the cynical side, we bring to you a list of the wonders that exist all around the world. If you are a fan of archeology, history or travelling you’re definitely going to enjoy this article. Oh and if you plan to travel after reading this, don’t forget to look into Cathay Asia Airlines.

1. The Great Pyramid of Giza
The crown jewel of Egypt and the only surviving architecture from the original Seven Wonders of the Ancient World, this pyramid is truly a sight to behold. This pyramid is said to be built as a tomb to the Egyptian Pharaoh Khufu. The building is approximately 480 feet tall and was the tallest building in the world for more than 3800 years. This pyramid when built was outlined with a limestone casing which with time got destroyed. Now you can only see the casing near the bottom of the pyramid whereas the top exposes us to the inner lining of the pyramid.

2. Petra, Jordan
Petra is often called the city of rose due to the red colored stones that it is made of. This beautiful hidden city is famous for its architectural grace and the water conduit system. Even though the city is located in Jordan, it was actually discovered by a Swiss explorer in the early 19th century. This place is also said to have structures that are more than 2000 years old.

3. Christ the Redeemer, Rio De Janeiro
This miracle took a total of nine years to be constructed due to the its location on the top of a cliff. This is the third largest statue of Jesus in the world. The raw materials for this statue were actually imported from Sweden. This beautiful statue was actually constructed as a sign of peace, to show that Christ loves everyone.

4. The Great Wall of China
This wall that stretches over 8000 kilometers was built over a period of 2000 years and renovated over time by many different Chinese dynasties. It is said that millions of people died while building the wall and that they’re buried within the Wall’s foundations. The Wall is also famous because it is the only structure on Earth that can be seen from the moon without any aids. Fascinating right? Go check it out yourself!

5. The Colosseum
This fighting ground of the roman gladiators took 8 years to build and was designed by the Roman Poet Virgil. The Colosseum has more than 80 entrances and can house 50,000 people at one time. It receives millions of visitors every year and is therefore the biggest tourist attraction in Rome.

6. The Leaning Tower
This beautiful tower located in Pisa is famous because of the way it inclines with height. The architecture has been constructed in a way that makes it feel tilted. If you’re ever in Italy, this is a must place to go to.

7. Taj Mahal
Constructed by an emperor in the memory of his beloved wife, this palace is a symbol of love for the entire world. The intricate architecture and carving inside this Mahal will make you fall in love with it. And if you don’t believe us, why don’t you go see it yourself? All you have to do is book your ticket using Cathay Asia Airlines.

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The Secret My Lawyers & Accountants Didn’t Even Know About – How to Get a Business Loan

Stop! Turn off your cell phone.

Quit tweeting and texting for the next 4 minutes. Grab a cup of coffee.

Shut the door so there are no distractions. This is that important!

Because I’m about to reveal to you the greatest secret to getting a business loan for as much as $25,000, $50,000 or even $250,000 – even when the bank says “NO!” and even if you don’t have perfect credit.

I have to warn you though… Don’t pay attention to the credit card companies. Forget everything you’ve heard. You can actually hurt your chances of getting the small business loan you need if you follow their advice.

It’s true. Why? Because they’re more concerned about raking in record profit margins and reaping huge bonuses! They don’t care about your business or if you get a business loan.

Credit cards companies want you to keep piling up debt on your high-interest personal credit and hold you personally liable for your expenses.

Do you think they really care if it takes you 10, 20 or 30 years to pay it back? Or if lowering your spending limit for no good reason has affected your business? Or if your personal credit is destroyed while you try to build the business of your dreams?

Of course not. Not when it means more money for them! And let’s not leave out the banks. Business lending is at all-time lows. Think they’re interested in taking a risk, however small it may be?

The secret… How to get a Business Loan

But there’s a little known secret that most small and mid-size business owners don’t know about. Heck, even most credit card companies don’t advertise it. I didn’t even know about it and I’d been running businesses for years!

Accountants I’ve used for years weren’t aware of it. Lawyers who I’ve paid up to $700 an hour didn’t know about it. But I’m about to reveal it to you right now and it won’t cost you a penny…

I’m not going to make you read every word of this or make you jump through hoops to get the secret. I know you’re busy so I’m going to give it to you right now and then explain how to make this secret work for you.

Here it is: You can get a small business loan. Usually reserved for large corporations, there’s a 7-step process for small and mid-size business owners to get the business loan they need without a traditional personal guarantee.

Mystery solved! More about that in a moment…

Whether you’re looking for a start up business loan, have an existing business or if you’re buying a business or franchise, you can now access working capital.

Don’t have perfect personal credit? No problem.

It doesn’t even matter if you have less than perfect personal credit. You can still get business financing, whether that’s a merchant cash advance, or business loans with bad credit.

That’s right. You no longer have to rely on your personal credit to finance your business. You can rebuild your personal credit and create a business credit profile to get the business loan you need to grow your business.

Imagine not relying on just personal credit cards to finance your marketing, purchase inventory or pay for expenses… sleep easier every night knowing one misstep won’t cost you your family’s home… and get access to much needed working capital so you can expand. That’s a dream come true for many business owners I work with, especially right now.

Does this sound familiar?

“We’re very sorry to inform you that your credit limit has been reduced due to current economic conditions… “blah, blah, blah!

Take one client we’re working with right now. Mike owns a dozen wireless phone stores. This is his most recent venture after successfully running other small businesses for more than 30 years. And just like he’s always done, he financed his inventory with his American Express card.

Every month he bought $50,000 worth of inventory, sold it and paid it off before the end of the month. But just a few months ago, his purchase was declined. American Express reduced his credit limit from $50,000 to $30,000 without any notice – not because of anything he had done.

The only response he got went something like this: “We’re very sorry to inform you that your credit limit has been reduced due to current economic conditions… ” blah, blah, blah! So he had to scramble to find other ways to finance his inventory. A short while later his $30,000 inventory purchase declined. Why? Because his credit limit was reduced to $20,000. Then his credit was squeezed again to $10,000.

It gets worse. As his credit is getting squeezed American Express is reporting to the other credit bureaus that his credit is being reduced so they also follow suit.

Meanwhile, the amount of debt as a percentage of his total available credit or what’s called his debt utilization rate increases. This is one of the most important indicators creditors look at when evaluating a credit score – and Mike’s personal score was dropping like a brick.

When he came to us, we immediately showed him how he could separate his business credit from his personal credit and his first reaction was, “I didn’t know I could do this. Are you telling me that I could have been building business credit and may still be able to get a small business loan?”

The answer is, “Yes!”

We’re working with him to help him and he’s borrowed $100,000 that does not have a traditional personal guarantee.

You really can get the funding you need without putting your personal credit at risk.

I’ll show you how in just a moment. But first I think it’s important that you know a bit more about me.

I own a firm that specializes in helping business owners get the business loans they need to finance their businesses without sacrificing their personal credit.

If you’re like me you probably thought business funding wasn’t even an option.

As a small business owner (prior to starting my own financing company), I personally guaranteed everything because I thought that’s the way it was done. I even prided myself on how well I did it while growing my Internet marketing business. I started with a $5,000 line of credit on my American Express and I played the 30-day float. Over time, I was regularly spending $300,000 on my card – every month!

If anything went wrong the expenses would have crushed me. I didn’t have that kind of money to cover the costs! Fortunately, I was lucky enough to avoid disaster.

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