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Small Business Owner

Native American Business Loans

I'm looking for a small business loan to help start a designer furnature business,using metal ,glass and concrete ,which I have already been working with in the commercial flooring business.

KristiS
Here since: Jul 9, 2007
Female, 36
Business Owner
Minden, Louisiana, USA
Languages: English

I am 36 years old and have found myself in quite a mess.  My husband and I own and operate a small business in the town that we live in.  We have done well, but due to some errors that I have made while being away from the office caring for my Grandmother with Alzheimer's  we are in need of help to get our finances reorganized. 

We are believers in God and know that he will get us through this time in our life.  I feel he lead me to this site for help and where I one day can help someone in the same situation I am in now.  If you are unable to help financially a prayer would be much appreciated.

Thank you for taking the time to read this and may God Bless you and your family.

Miracles Happen!
Here since: Apr 16, 2007
Female, 38
Single Mother
Carrollton, Texas, USA
Languages: English

Hello Wonderful, Compassionate World!  Here is my story

Merciful Compassion
'Krapalu'
Showing or giving mercy.

I am a single mother of an amazing little boy, who is the love of my life.  I worked my fingers to the bone in a great career, putting my blood, sweat and tears into a company for over 14 years.  It was the opportunity of a lifetime, and I was able to learn and grow with this company, starting out as a bookkeeper, and moving into a senior executive level.  I purchased our first home on my own, and it was our dream home.

My son's biological father was hardly ever involved in his life, never paid child support, and never helped with my child's insurance or any of the medical bills.  The father only came around to harass me when it was convenient for him.  After several volatile and abusive situations with this man, I finally decided that I needed to take legal action to rid myself of this man before my son witnessed my murder by him.

If anyone is familiar with our judicial system, it is not about right or wrong, or even the truth for that matter.  I hired an attorney to set up a Protective Order and Supervised Visits for my son because his father had already threatened to kill me, kidnap my son, and take him to Mexico where he owns property.   I took the high road during the entire litigation, always believing that the truth prevails.  Boy, was I in for a rude awakening.  The biological father put up the most vicious, vindictive fight against me, concocting the most malicious lies about me and tried to take my son from me.  Unfortunately, he was able to con an attorney to work Pro Bono for him, and I was in for the fight of my life. 

I do not come from a wealthy family at all, and worked very hard for everything that I had.  Well, the opposing counsel pulled many unethical and illegal manuevers during our litigation, and got my son's father out of over $20,000 in back child support, his portion of unpaid medical bills, and forced me to rack up over $200,000 in legal fees.  After four attorneys, selling my beloved home, losing everything I had worked so hard for, and going through my parents retirement funds, I kept custody of my son, but at a very high price.  On top of getting the father out of his financial responsibilities - the opposing counsel also got the child support payments reduced to nothing.  Please note:  the biological father is a trained nurse - but waits tables so he can hide his income and pay the lowest child support possible.

I had to sell my dream home to help pay legal fees in the fight for my child - but the worst part is that my parents had to help me with the rest of the legal fees and went through their entire life savings.  They are both retired and in their 60's and 70's.  They had been very frugal and spent their entire lives saving to have a decent retirement. 

Because of this litigation, my credit has been temporarily ruined after years of a pretty much perfect credit score, I owe my parents over $200,000, and have to start my life completely over from rock bottom.  My biggest heartbreak is that my parents are not even able to enjoy their golden years because of one very bad attorney, and my choice to leave an extremely abusive man.

I have been trying so hard to land a job, but with no luck.  I have asked friends and relatives for help, but no luck there either.

So here I am, On AIDPAGE.  I am completely broke, in serious debt, and desperately need help from any Angels out there.  I am not asking for a handout - I just truly need some help getting back on my feet to be self sufficient again.  My parents need my help.  My son needs me to be strong for him. 

I cherish helping and giving to the homeless.  I am very saddened that I am not in a position right now to be able to give back to those in need, but it is my top priority once I get back on my feet again.  Money and material possessions are worthless unless we continuously give back to those in need.

Thank you for reading my story.  If there is anyway that some Angel out there could see it in their heart to help me, my son, and my parents, the graciousness and gratefulness would be insurmountable. 

I would reciprocate in any way that I could - by providing my business services, running errands, doing odds and ends as a personal assistant - because I absolutely do not expect someone to help me without something in return.  I am a giver, not a taker - making this situation in my life right now very difficult for me.

If you see it in your heart to help our situation, I would be so grateful.  Please, please help us.  I have a PayPal account if anyone would be so kind as to help us.  God Bless All of You!

Thank you again for taking the time to read this!

'Aum' or 'Om'
Literally means "yes, verily." Aum, often spelled Om, is the "breath of life". The most sacred mantra of Hinduism is placed at the beginnings of most sacred writings. Aum represents the Divine and is explained in the Upanishads as standing for the whole world and its parts, including past, present and future. It is from this primal vibration that all manifestation issues forth. Aum's three letters represent the three worlds and the powers of creation, pr

 

 

 

 

 

 

 

 

 

 

 

 

brandy2000
Here since: Feb 4, 2007
Female, 31
small business owner
panama, Oklahoma, USA
Languages: english
A family in need..
Lola
Here since: Jan 21, 2007
Female, 42
artist/sole proprietor
Michigan, USA
Languages: english

single female, moneypit (home) owner, small business owner, no resources (family or men to do labor), I have poor credit due to events that have occurred, no one to turn to for free advise...I was involved in a hit-and-run drunk driving accent which totaled my car so I have one to blame or seek compensation against...I LOVE art and colors, have 2 kitties....I would love a break for ONCE in my life.... I have stuff of value just cannot liquidate it (without losing my butt)...our economy is terrible!...I am just TRYING to make it in the world

 

Drew K's
Here since: Mar 8, 2007
Female, 32
Small Business Owner
arlington, Texas, USA
Languages: English

Drew K's is a small business setting and striving to meet Humongous goals. Long term goals and short term goals. Goals from bringing peace to troubled children to supplying needs of rural and distant citizens in need of help. If anyone can assist Drew K's with or how to get funding to promote our business please help .

I need help to reorganize my financial status.

Hi,

My name is Kristi and I need to make a fresh financial start.  Last year my Grandmother lived with my husband and me for the last eight months of her life.  She had Alzheimer's and we were her care givers.  During this time, I lost touch with things and let some really important things slip my mind.  We own a small business in the town that we live in and when she moved in with us I started working from home.  I made some errors financially that has now left us in a real bind that I can not seem to get us out of.  My husband and I work hard and I am trying desperately to reorganize so we can begin our life again without the huge strain of financial distress that I have caused my family by letting myself get out of touch with reality while my Grandmother was with us.  Any help would be appreciated and once I get back on my feet, I vow to continue visiting this site helping others in my position.  I am in need of $8700.00 to catch up and get my head above the water so I can get back on track.  If financial help is not available then pray will be much appreciated.

Thank you for the time you took to read this.  God says that I can do all things through Christ which strengthens me.  I feel that he lead me to this site.  God Bless you all.

Kristi

Comment: If anyone or organization...
Note: This aidpage was started as a comment on "Home page of Drew K's"

If anyone or organization know how to help me get funding or a grant for my business please help. Thank You!
sunshine10
Here since: Mar 31, 2008
Female, 41
works for k mart, wants her own retail store SPARKLE UNIQUE COLLECTION LLC...
bannock, ohio
Languages: english

i want mine own gift and accessories store to be open up, it is an start up business, i really need an business loan to get mine small business off the ground, the loan of $100,00.00 for the whole start up cost of the retail store, i need all investors, all business loans advisor, mine credit score is 580, and i can not get an loan for mine small start up business. i need all of your help, support, and get me approved for the loan, no matter what you have to do. i am enclosing mine business plan here for you all to read and see what you can do to help get mine small retail store off the ground, it will sales and profit if i can get people to trust and believe in me. thank you again for all of your help and support.

thank you

linda ann stewart

sparkle unique collection LLC... store owner/manager

 


 

To Whom It May Concern: 

This is Linda Ann Stewart, I am giving you an business plan of mine small retail store, for an loan of $100,000.00 to cover inventory starting cost, paid mine employee, the grand opening of the store, advertising, promoting, marketing, ect..  I enclose mine start up cost projections, also, an three year start up business progress, cash flow projections, balance sheet. I hope everything in this business plan, will give the change to know I am very serious about having mine own store, and work very hard at it, to prove to you that I am very serious about being very successful business owner, you will not be disappointed at all, I am a very honest person, with so much passion of being the best business owner, and I have so much ideas in mine accessories & gift retail store, as you look into mine business plan you will see how serious I am on getting mine small business off the ground.

                                                                                                         

The financial part of mine  business  is extremely important to get the funds I need for mine small business. The  projections I will need to make a budget for mine small retail store, That is why mine business plan should be realistic for your company to grant me the funds for mine small retail store. I  want to be successful in mine realistic projections after I  start mine  business. It is better to give you mine honest point of view  when  I start mine own retail store.                                                                                                          Investors like your company will be very interested in how the money will be used and how the business will be doing.  The financial part of the business retail store is more standardized than other sections.   Here are the  financial forms such as cash flow statements, income projections and balance sheets of mine retail store, it will give you an general idea of what mine projections of mine small business is all about.                                                                                         Financial information for this Operation  Business Start Up Costs          POS system                           $2,400.00 Equipment                            $5,950.00 Counter/display/rack/sign  $18,530.00Fixtures                                     $17,300.00 Inventory /startup supplies  $15,775.00 Merchandising                              2,600.00Software                                $1,098 00Consultancy, Fees           $6,365.00                             First 3 month Expense            $10,500.00                                    Total Operation                     $80,518.00                                                                                       start up expense                    $20,518.00  Total Loan Requested:          $   78,518.00 Equity Contribution:           $     2,000.00                              Total Project Cost: $   80,518.00Expected sales from the first three years of operations:  Year 1           -          $ 60,500.00Year 2           -          $ 75,800.00Year 3           -          $ 90,890.00 Purpose of Loan  Ms. Linda Ann Stewart seeks a $78,518.00 Loan to establish a Sparkle Unique Corporation, LLC. In addition Ms. Linda Ann Stewart will contribute $2,000.00 equity for a total project cost of $42,518.00, for which Ms. Linda Ann Stewart will renovate his building, install shelving, a small office Other equipment as mentioned earlier, cash counter, install signage and purchase inventory.   Business Start Up Costs          POS system                           $2,400.00 Equipment                               $5,950.00 Counter/display/rack/sign   $18,530.00 Fixtures                                      $17,300.00 Inventory /startup supplies   $15,775.00 Merchandising                              $2,600.00Software                                $1,098 00Consultancy, Fees           $6,365.00                             First 3 month Expense            $10,500.00                                    Total Operation                     $80,518.00                             Start up expenses                  $20,518.00  I want to thank you for your time your support, and I hope you consider mine business plan the best Investment for your company. This is the best accessories  &  gift retail store you will ever seen, it will make profit, it will be very successful in the next 3 years in business, and will progress until the next 5 to 10 years from now, it is a very unique retail store for all ages, men , women, boy and girl, all holiday’s, for everyone to buy mine products. It is a very unique store, you’ll ever see, please come to mine grand opening and see for you self.  Thank you, Linda Ann Stewart       The SPARKLE UNIQUE CORPORATION, LLC        Business Plan          NOVEMBER 20, 2007     Ms. Linda StewartThe SPARKLE UNIQUE COLLECTIONLLC...P. O BOX 3BANNOCK OHIO 43972Phone: 1 740 312 0750Fax: 1 740 312 0750E-Mail: chipls2002@yahoo.com  Executive Summary Applicant/Company Information  a. Business Name:  SPARKLE UNIQUE COLLCETION LLC...b. Address: P.O. BOX 3 Bannock Ohio 43972c. Phone: (740) 312 0750d. Contact Person: LINDA ANN STEWARTe. Business Structure: LIMITED LIABABILTY CORPORATION (LLC) Banking Information  Bank:  Belmont Savings BankAddress: 3301 Guernsey Street Bellaire, Ohio 43906Phone: (740) 676-1165 Fax:(740) 676-1185 Contact: Marianne DoyleTitle: Marianne Doyle Asst. Vice President  Anticipated Start Date  The Sparkle Unique Corporation, LLC. is prepared to purchase the equipment, fixtures and inventory necessary to begin operations immediately, upon approval of funding.  Estimated time for setup and renovation is 6 - 8 weeks, after the receipt of funds. Business concept  Ms. Linda Ann Stewart recognized a need for a gift and accessories store in the area, as there is no such Store in the Ohio Valley Mall. Ms. Linda Ann Stewart asked residents about the need for a retail store and the community overwhelmingly supported the concept. There are no such stores within an area and the target market will include local residents and the offices around. Ms. Linda Ann Stewart has extensive experience in managing business and has identified four primary categories of product; as  Leather Products           -        Hats, Gloves Costume Jewelry                     Fashion Jewelry, Earrings, Necklace, etcStationery                                Elegant Pens, Themed Notepads etcGifts & Wrapping Supplies               Gift Bags, wrapping paper, tissue etc.    The Principal, Ms. Linda Ann Stewart will, upon approval of funding, will hire, The Store Builder, LLC for professional renovation and setup of the store premises, which include purchasing and installation of the necessary equipment, fixtures, displays and purchase & display inventory.  Business Operations  The store will be open 7 days a week, 10:00 a.m.-9:00 p.m. The Sparkle Unique Corporation, LLC. will be a Gift and Accessories Store located at 218 Bandfield Road, Ohio Valley Mall St. Clairsville, Ohio 43950 The store is centrally located inside the Ohio Valley Mall.  The store will be situated in an 3,500 square foot building that will be leased from Ohio Valley Mall. It will be renovated with the appropriate shelving, displays, cash counter etc required for operation. The premises will include a small back office, storage for the merchandise, an employee restroom. Number of employees The Sparkle Unique Corporation, LLC will have two employees, one full-time and one part-time. Ms. Linda Ann Stewart will be the sole owner and primary operator for The Sparkle Unique Corporation, LLC Ms. Linda Ann Stewart has extensive Business Management experience running own business. Ms. Linda Ann Stewart will assist in daily operations of the store, and will handle bookkeeping and financial reporting. Within three years it is anticipated that the company would analyze the viability of hiring a another part-time employee for 4 hours per day however at this time there are no plans to hire any more employees within the first three years of business.  Management team background and experiences Ms. Linda Ann Stewart has extensive Business Management experience that is crucial to the type of business she is opening. Ms. Linda Ann Stewart experience includes owning & running a retail Business. She has worked in various other businesses for years and is experienced with all aspects of daily operations including ordering, receiving, budgeting, merchandising, and daily banking. Ms. Linda Ann Stewart is particularly skilled in public relations, is very organized, is able to work independently, and is reliable, dependable and hardworking. The Store Builder, LLC will also provide extensive training in dealing with customers, stocking, store procedures and routines, taxes and other business related facets.  A resume and 2 letters of reference are attached in the appendices of this document.     Market Niche:  Local Need:  The primary customer base is the residents of the area. There is no other mall for the neighboring communities. The secondary customer base will be the employees of the six major retailers located in the same mall and employees of other stores in the mall. Local residents in the Ohio Valley Mall area will stop by the store look around and start buying items that they never seen before. There is no other such gift and accessories retail store in the area around, local residents from all walks of life visits the only Mall in the area. Our strategy of keeping unique gifts & items is expected to attract everyone who enters the store. We have plans to price the items reasonably, so as to attract people from all walks of life and budgets. Being the only Mall in the area, the walk in traffic is expected to be feasible for our business, without much investment on outside marketing. Proven Market:  Mall locations have always generated more traffic due to the fact, that people come with an intention of shopping and finding different products, varieties and Services under one roof. Most Malls create attractions for people such as Photographs with Santa in Holiday Season which becomes a great attraction for people with kids to visit Malls. Even in rough weather conditions such as snow, very hot summers, and people prefer to go to Malls with intention to find what they are looking for in one place.  Management Experience:  The experience that Ms. Linda Ann Stewart brings to the endeavor is invaluable, she has business management experience, sales experience, understands the product required in this area as she is a resident of this area for little over 35 years. While residing in the neighborhood, Ms. Linda Ann Stewart has established valuable contacts with the other residents which will be utilize in the new business.  Community Support: Ms. Linda Ann Stewart asked the residents and employees working in the Ohio Valley Mall area and the results indicated that there is an overwhelming support for the concept.    Client Base:  The Sparkle Unique Corporation, LLC has a potential target market, as follows:  ·        2,500 local residents within the 20-block radius·        Mall buildings, Ohio valley plaza mall, 3,579+ employees·        Numerous visitors  Client demographics include local residents from all age groups and social economic ranges, consisting primarily of families. A large secondary target group will be teens specially girls and women who are more interested in gift items and accessories.  The client base covers the area as listed on the map below:                                 The overall map of the city shows the position of store for comparison.                                            Factors for Success The business will succeed due to a variety of factors.  • There in no competition in the targeted market in the retail store.• Strong management work ethic; the owner has many years of retail experience   and has excellent references. • Ms. Linda Ann Stewart experience in Business Management. • Ms. Linda Ann Stewart local contacts. • Proven Market. • Local need. • Community support.  Financial information for this Operation  Business Start Up Costs          POS system                           $2,400.00 Equipment                               $5,950.00 Counter/display/rack/sign   $18,530.00 Fixtures                                      $17,300.00 Inventory /startup supplies   $15,775.00 Merchandising                              $2,600.00Software                                $1,098 00Consultancy, Fees           $6,365.00                             First 3 month Expense            $10,500.00                                    Total Operation                     $80,518.00                                                                                       start up expense                    $20,518.00  Total Loan Requested:          $   78,518.00 Equity Contribution:           $     2,000.00Total Project Cost:           $   80,518.00   Expected sales from the first three years of operations:  Year 1           -          $ 60,500.00Year 2           -          $ 75,800.00Year 3           -          $ 90,890.00  DETAILED BUSINESS PLAN
 Table of Contents  Section A:          Business PlanClick here to post your reply or comment...
chelseyb
Here since: Jan 11, 2008
Female, 24
Loan officer
Languages: English

Hello everyone. I don't have what you would call a sob story, like some, however I am a young business owner and any donations to help me succeed would be greatly appreciated! I started my mortgage company when I was 21. I have had it now for almost 4 years. I've done pretty well, but my bills now are pretty high and I don't have much money to market myself and my company. I would be extremely greatful if anyone would like to help out a fellow business owner and I'm willing to take advice from successful loan officers. I am also looking to network with bankers, realtors, financial advisors so we can hopefully all make each other some money. Thanks for reading my blog. Chelsey

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