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OfflineBroly
eat more lsd
Male


Registered: 11/11/14
Posts: 649
Last seen: 4 years, 6 months
Where and how to get a loan?
    #23540649 - 08/14/16 12:03 PM (7 years, 5 months ago)

What are some good business ideas to get a 10 - 30k loan?

What is the interest of the loan usually, and does it have to be paid monthly ? If you miss a month what would happen?

Thank you


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*Disclaimer* 

Everything written from this account are meant for amusement purposes ONLY.  Everything written or posted from this account are NOT TRUE.


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Invisibletrees
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Registered: 02/08/09
Posts: 9,194
Re: Where and how to get a loan? [Re: Broly] * 1
    #23540658 - 08/14/16 12:06 PM (7 years, 5 months ago)

I'll give you a loan, for every month you miss, you have have to inhale a gallon chemtrail dust.


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Offlinegoldcaphunter
EMS Medic
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Registered: 07/29/12
Posts: 7,432
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Re: Where and how to get a loan? [Re: trees]
    #23540661 - 08/14/16 12:07 PM (7 years, 5 months ago)

Loan shark. Interest rate: your life.


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Invisibleplasma
ɹoʇɐɹǝpoɯ

Registered: 09/17/08
Posts: 10,001
Re: Where and how to get a loan? [Re: trees]
    #23540675 - 08/14/16 12:12 PM (7 years, 5 months ago)

I'm down


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InvisiblePrisoner#1
Even Dumber ThanAdvertized!
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Registered: 01/22/03
Posts: 193,665
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Re: Where and how to get a loan? [Re: Broly]
    #23540690 - 08/14/16 12:17 PM (7 years, 5 months ago)

Quote:

Broly said:
What are some good business ideas to get a 10 - 30k loan?






is $30k actually enough?

let me give you the lowdown on a business loan, you decide to open a restaurant,
it's going to cost you $500k for the building, $150k for your equipment inclusing
POS machines, another $30k for non consumables such as forks, plates, glasses,
etc... you then need the consumable such as napkins, to-go supplies, straws, etc...
let's say that your entire start up cost will be a total of $700k, now let';s look
at other things that people fail to look at in a business loan. you need operating
expenses for a minimum of 6 months, you need both promotion and advertising costs
for 6 months, let's not forget payroll and the most important stuff, the food, your
vendors wont deliver if they arent getting paid


once more, are you sure that $30k is actually enough

Quote:

What is the interest of the loan usually, and does it have to be paid monthly ? If you miss a month what would happen?





if you miss payments then you'll forfeit what ever collateral you put up and your
interest will vary depending on your credit


draft a business plan, a bank wants to see one before they issue a loan


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OfflineBroly
eat more lsd
Male


Registered: 11/11/14
Posts: 649
Last seen: 4 years, 6 months
Re: Where and how to get a loan? [Re: trees]
    #23540707 - 08/14/16 12:21 PM (7 years, 5 months ago)

Quote:

trees said:
I'll give you a loan, for every month you miss, you have have to inhale a gallon chemtrail dust.




I counter your offer , fuck off


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*Disclaimer* 

Everything written from this account are meant for amusement purposes ONLY.  Everything written or posted from this account are NOT TRUE.


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Invisibletrees
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Registered: 02/08/09
Posts: 9,194
Re: Where and how to get a loan? [Re: Prisoner#1]
    #23540709 - 08/14/16 12:23 PM (7 years, 5 months ago)

He needs a loan to make his rap album about drinking chemtrails to see jesus.


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OfflineBroly
eat more lsd
Male


Registered: 11/11/14
Posts: 649
Last seen: 4 years, 6 months
Re: Where and how to get a loan? [Re: Prisoner#1]
    #23540718 - 08/14/16 12:26 PM (7 years, 5 months ago)

Yes man its enough , are they meticulous about making sure the business will work? Or can I come up with any business?

Will they check up on the business?

But trust me its enough , its a small business.

Like would they snag the idea of a vintage clothing shop ?


--------------------
*Disclaimer* 

Everything written from this account are meant for amusement purposes ONLY.  Everything written or posted from this account are NOT TRUE.


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Invisibletrees
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Registered: 02/08/09
Posts: 9,194
Re: Where and how to get a loan? [Re: Broly]
    #23540720 - 08/14/16 12:27 PM (7 years, 5 months ago)

Since you're underage and have no credit history, they won't give you any money at all, no matter what


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OfflineBroly
eat more lsd
Male


Registered: 11/11/14
Posts: 649
Last seen: 4 years, 6 months
Re: Where and how to get a loan? [Re: trees]
    #23540723 - 08/14/16 12:28 PM (7 years, 5 months ago)

Quote]trees said:
He needs a loan to make his rap album about drinking chemtrails to see jesus.




It's funny the more you hate someone it actually shows you care about them. So thanks for the hate , which is basically love.


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*Disclaimer* 

Everything written from this account are meant for amusement purposes ONLY.  Everything written or posted from this account are NOT TRUE.


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Invisibletrees
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Registered: 02/08/09
Posts: 9,194
Re: Where and how to get a loan? [Re: Broly]
    #23540729 - 08/14/16 12:31 PM (7 years, 5 months ago)

I do love you. If you didn't exist, I wouldn't have had all the good laughs at your posts which I enjoy


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InvisiblePatrickKn
I'm a teapot


Registered: 07/10/11
Posts: 20,564
Re: Where and how to get a loan? [Re: Broly]
    #23540741 - 08/14/16 12:33 PM (7 years, 5 months ago)

All dependent on your credit history. If you don't have much of one, you're unlikely to get a business loan I'd think.

Quote:

Broly said:
Yes man its enough , are they meticulous about making sure the business will work? Or can I come up with any business?

Will they check up on the business?




Not as much as they should be, but then they're going to be much stricter than I think you realize at the same time. They don't want the loan to tank, and if you have a bad business plan then it's going to be denied at some point unless you have a way of paying it off without the business being successful.


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Offlinegoldcaphunter
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Registered: 07/29/12
Posts: 7,432
Loc: Massachusetts Flag
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Re: Where and how to get a loan? [Re: Broly]
    #23540900 - 08/14/16 01:42 PM (7 years, 5 months ago)

Quote:

Broly said:
Yes man its enough , are they meticulous about making sure the business will work? Or can I come up with any business?

Will they check up on the business?

But trust me its enough , its a small business.

Like would they snag the idea of a vintage clothing shop ?




Stop being vague about you are interested in getting the loan for and someone might be able to be more helpful.
If you're not 100% POSITIVE on what you want to do with the loan, don't get one.

Also I'm just assuming you're talking USD, in which case even 60-80k could possibly have you dangerously close to failure right off the bat.

Imo the first mistake new business owners make is not putting enough money into the start up. It is an investment...hopefully one that will pay off.


--------------------

The picture to the far left is a reminder to our users to stay safe and healthy, that's my third open heart surgery due to over use of amps. Stay safe kiddos :wink:


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InvisibleMoonshoe
Blue Mantis
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Registered: 05/28/04
Posts: 27,202
Loc: Iceland
Re: Where and how to get a loan? [Re: Broly]
    #23540990 - 08/14/16 02:07 PM (7 years, 5 months ago)

Personally I think being debt free is of the utmost importance and avoiding debt is almost always the best choice if at all possible .


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Everything I post is fiction.


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InvisiblePrisoner#1
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Registered: 01/22/03
Posts: 193,665
Loc: Pvt. Pubfag NutSuck
Re: Where and how to get a loan? [Re: Broly]
    #23541008 - 08/14/16 02:13 PM (7 years, 5 months ago)

Quote:

Broly said:
Like would they snag the idea of a vintage clothing shop ?






done to death. vintage clothing is on it's way out


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Invisibleblackdust
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Registered: 02/28/09
Posts: 8,327
Re: Where and how to get a loan? [Re: Prisoner#1]
    #23541119 - 08/14/16 02:39 PM (7 years, 5 months ago)

Quote:

Prisoner#1 said:
Quote:

Broly said:
What are some good business ideas to get a 10 - 30k loan?






is $30k actually enough?

let me give you the lowdown on a business loan, you decide to open a restaurant,
it's going to cost you $500k for the building, $150k for your equipment inclusing
POS machines, another $30k for non consumables such as forks, plates, glasses,
etc... you then need the consumable such as napkins, to-go supplies, straws, etc...
let's say that your entire start up cost will be a total of $700k, now let';s look
at other things that people fail to look at in a business loan. you need operating
expenses for a minimum of 6 months, you need both promotion and advertising costs
for 6 months, let's not forget payroll and the most important stuff, the food, your
vendors wont deliver if they arent getting paid


once more, are you sure that $30k is actually enough

Quote:

What is the interest of the loan usually, and does it have to be paid monthly ? If you miss a month what would happen?





if you miss payments then you'll forfeit what ever collateral you put up and your
interest will vary depending on your credit


draft a business plan, a bank wants to see one before they issue a loan





i can start a business for $250 here + insurance
equipment and supplies are another story

...OP, start a cheaper business and work your way up
or find a way which you will if your serious enough


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OfflinePatlal
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Registered: 10/09/10
Posts: 44,797
Loc: Ottawa Flag
Last seen: 12 hours, 11 minutes
Re: Where and how to get a loan? [Re: blackdust]
    #23541128 - 08/14/16 02:41 PM (7 years, 5 months ago)

The best way to get a loan is to already have money . Otherwise no bank will loan you anything.


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InvisiblePrisoner#1
Even Dumber ThanAdvertized!
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Registered: 01/22/03
Posts: 193,665
Loc: Pvt. Pubfag NutSuck
Re: Where and how to get a loan? [Re: blackdust]
    #23541179 - 08/14/16 03:00 PM (7 years, 5 months ago)

Quote:

blackdust said:

i can start a business for $250 here + insurance
equipment and supplies are another story





you can get a business license and tax ID number, that's not starting a business


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