Sean M. Hawver’s Post

Here’s an important lesson from my lending experience: 💡 Sticking to your loan terms without negotiating can be highly advantageous. By adhering to set terms, we’ve streamlined our operations, increased profitability, and avoided unnecessary complications. Here’s why sticking to your terms makes a difference: Avoid negotiating on loan terms. This approach has simplified our business and boosted our profitability. 📈 I had a chance to lower terms for a borrower but chose to stick with standard terms. This decision preserved profit margins and helped streamline processes. 💰 For example, a borrower was concerned about high fees. I decided to stick with 3 points and 14% interest. 📊 As a result, the loan extended beyond initial expectations, proving the value of fixed terms. 🚀 Benefits of Not Negotiating: - Profitability: Ensures consistent earnings and higher profits. 💵 - Efficiency: Simplifies management and reduces administrative work. 🔧 - Systematization: Maintains uniform business processes and aids scaling. 📋 Practical Implication: - Consistency: Uniform terms across loans make management easier. 📅 - Financial Impact: Higher points on large loans significantly boost earnings (e.g., $9,000 vs. $6,000). 💸 Final Takeaway: - Stick to Your Terms: This approach ensures clarity, consistency, and better financial outcomes. 🏆 - Business Strategy: Adhering to set terms improves efficiency and profitability. 🎯 --- P.S. Are you an Accredited Investor looking to earn a 12% return without lifting a finger? Come invest with my team. 💼 https://lnkd.in/gJvxWEdR

For small business, it can be difficult to get funding through banks or mainstream lenders to get that project across the finish line. That's where we believe thinking outside the box is essential. Here's some examples of how our approach to lending made an impactful difference to clients: https://lnkd.in/gER8qwNv

Empowering growth mindset companies to thrive: Strategic partnerships with bankers pave the way for future lending, fueling innovation and expansion. Let's collaborate for success! #GrowthMindset #FinancialStrategy #Innovation

"if you want my business have a human call me back" how this ⤴ turned into a $3M funded loan 😱 one of our ai employees was reaching out to some prospects on behalf of one of our clients in the business lending space the conversation was going pretty well until the prospect finally said "if you want my business have a human call me back" he hung up (this is why voice ai by itself will not work) this is where most people that are using voice ai would have lost the deal either because they have to go through every call recording to figure out what happened during their ai calling campaigns or because realistically they aren't so they would've never been made aware that this happened on one of the calls however, our ai employees are built different you see, voice ai is just a piece of the puzzle and we realized this early on that's why we had to build an entire ai infrastructure to support the voice ai capabilities so at the end of every call it can → transcribe the call recordings → to analyze the outcome → move them to the right pipeline stage → and notify our clients a lot of the times the additional revenue generated isn't specifically a direct cause of the ai agent making a sale rather its caused by the aftermath generated by the volume voice ai can produce such as the → call backs → appt requests → human live transfers → missed call texts → etc in this case, our ai employee immediately notified our client our client immediately called back (speed to lead!!!) and it became a potential $800k loan by the time it was all said and done it ended up being a $3M loan --- want to install our AI client acquisition infrastructure into your business? and automate your entire sales process from cold to sold? dm me 💬

Don't overthink lending; it really isn't difficult, although it often seems overlooked by many business owners. At its core, business lending centers around time in business, cash flow, and stable account balances. Where I see many business owners getting confused is in two main areas: A) They do not plan for lending and impulsively dive into it. B) They do plan for it but choose the wrong lender to work with, resulting in denials or less favorable terms. Lenders don't advertise their strengths or the industries they prefer, which is why having a plan and asking the right questions makes a difference. What questions should you ask? You'll want to know a few things: A) Do they work well with businesses like yours? B) Do they consider business credit scores, or at least ensure they won't report to personal credit in case you can't avoid a personal guarantee? If you prepare for your lending needs, keep your financials organized, maintain stable month-end balances in your main bank account, have a strong business credit score, and a good personal credit score, you will find that lending is quite straightforward.

HOW LONG HAVE YOU BEEN STUCK ON THE "BROKER BUS", WITH THE PROMISE OF FUNDING THAT NEVER MATERIALIZES? Many of the Projects that are presented to us are not new. These are often the stale-dated dreams of entrepreneurs who have been unable to find anyone to finance their project for YEARS. The commonality is that the chosen path is one of utilizing herds of "Free" Brokers to go out and "Find" the money for a fee at closing. Sounds simple and safe. The reality of this situation is that more often than not, your project will never attract any serious money. Your Broker will be unsuccessful, so then he will recruit the aid of another Broker, who also requires a success payment . Then they will recruit a couple more brokers who might be able to bring the financing, while also requires a success payment. Before you know it, you are paying up to 10% for the funds, and some component of equity. Maybe it is time to work with a team that can GUARANTEE YOUR LOAN APPROVAL. - Bring a base deposit of $10M or More. - We will secure your Approval, Term Sheet, and Loan Proposal. - You confirm that your $10M is safely secured in a non-depletion account at a Tier 1 Bank. - We arrange for a Loan Agreement to be drafted for you. - Your Loan begins after the file is cleared through compliance/AML. www.xpatfinancegroup.com It is not much more complicated than this.

For small business, it can be difficult to get funding through banks or mainstream lenders to get that project across the finish line. That's where we believe thinking outside the box is essential. Here's some examples of how our approach to lending, made an impactful difference to clients: https://lnkd.in/gjUz-DbN

Line of Credit or Traditional Loan: Which Lending Option Suits Your Business? Explore the pros, cons, and nuances to make an informed lending decision. https://lnkd.in/d2pyMC6B #Finezza #LendingOptions

Small businesses often ask, "What is an expedited loan?"  Expedited lending effectively removes financial barriers for small businesses, offering them a rapid response to their immediate financial needs and enabling them to focus on growth and innovation.   Check out our full blog post, breaking down the ways expedited lending can simplify and enhance the funding process! 💰💨 For additional insights and resources, visit the following links: Business Financing: https://lnkd.in/gExqKmnT Referral Partner Opportunities: https://lnkd.in/gte9b-BE

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