Do you need help getting a mortgage loan for your income property?  Do you need help getting a mortgage loan on property for a business startup loan?  Or, do you need help getting a mortgage loan on a piece of property that you are buying for your business or for an investment?

Have you ever considered the most efficient and easiest way in which to get your money?  Do you enjoy going through the complex and lengthy bank process to get your answers which are mostly turn downs in this market?

Hard money loans use an entirely different approach than banks are required to utilize.  The bank looks carefully at you as a borrower and makes its decision based upon your collateral, your income, your credit, your cash balances, your income tax returns, and so on.

Have I exhausted you yet?  I’ve exhausted myself as I’ve been through the process all too often and usually come out wasting time and being very angry at myself for believing that a bank is there to help me solve my need for money fast.

Hard money lending will open your eyes to an entirely new way in which to obtain funds.  And, all without an inspection of you as the borrower.  Hard money is all about the collateral being offered for the loan without regard to your credit or income. How refreshing can it be to get a loan approved within days, no muss, no fuss?

You owe it to yourself to find out about this source of capital before you need it.  There is an easy-to-understand roadmap to this money that will give you thousands of dollars of advice from the expert in the area, an experienced 30 year hard money lender who has seen and lived it all.

Find out and do yourself a favor.

Best, Steve Replin

Steve Replin is the hard money guru and author of Where to Go When the Bank says NO!  His thirty years of experience at evaluating, approving and disapproving loan requests for hard money qualify him to be the expert in the area.  His background in accounting as a CPA, his experience in business as an MBA, and his years of legal practice as a small business and entrepreneurs lawyer make his advice priceless for you.  Avoid mistakes that his book can steer you around.  Don’t get caught in bad circumstances with bad lenders because you go blindly into situations that could have easily been avoided.  This book, and Steve’s consulting availability can help you understand the best path for you to follow for money NOW!

Hard money loans can make the difference between success and failures in today’s economic marketplace. Without banks as lenders, the sources of capital are few and far between. There are no viable sources of business capital to fall back on and therefore, the most exciting resource about which you can learn, is hard money.

Hard money might sound risky for you, the borrower. It may even sound kind of exotic as few people understand how it actually works. It might actually sound like a back alley loan in Brooklyn where you will meet Vito if you don’t pay the loan back in a few days or a week.

In reality, however, hard money is as legitimate and respectable as is any other loan resource. In fact the loan process is the same in some respects, but very different in some important ways that make it perfect for you when you need FAST MONEY!

Loans are closed in the offices of attorneys or title insurance companies just as other loans that you may have gotten in years gone by. The average hard money lender is as sincere about helping you as is your Uncle Eddie or your father. The costs of these loans are moderate and only slightly higher than those of a bank, and then only for a short period of time.

It is a valuable asset for your mental health and for your business well being. The book entitled Where To Go When the Bank Says NO! is an easy-to-understand, fast reading resource that will guide you to the money that you need with the minimum of hassle and time.

Best regards, Steve

Hard money loans are often lifesavers, often deal makers, and always fast capital. Hard money might sound risky for you, the borrower It may even sound kind of exotic as few people understand how it actually works. It might actually sound like a back alley loan in Brooklyn where you will meet Vito if you don’t pay the loan back in a few days or a week. In reality, however, hard money is as legitimate and respectable as is any other loan resource. In fact the loan process is the same in some respects, but very different in some important ways that make it perfect for you when you need FAST MONEY!

The President bravely put himself in front of the American people this evening stating that the key to job growth is tax incentives. The key to job growth was to bring American jobs back home. And, the key to job growth is to raise taxes on the wealthy (this one completely escapes me, by the way).

Why oh why is it so hard to understand that the key to a strong economy is to build a dynamic small business climate that encourages innovation, invention and entrepreneurism?

Small business doesn’t care one bit about tax incentives. What small business needs is access to capital. The concept of tax incentives building a strong job market is a big business view of life; one that only politicians can view from their 10,000 foot look down at life as we know it.

Tax incentives don’t allow you to hire people. Tax incentives don’t allow you to lease a space to do business within. Tax incentives don’t assist you one bit to purchase equipment. If you don’t have the capital to pay for these and other items necessary for business development, all of the tax incentives in the world won’t help.

Why can’t anyone get it right?

Hard money is the bright spot in this political nightmare that we call Washington, DC. Money on demand, which is a reasonable description of hard money after you understand how to access it in the best way is just what the doctor ordered for small business.

My new book entitled WHERE TO GO WHEN THE BANK SAYS NO! is a guidebook to understanding hard money with a roadmap to finding it quickly and safely. This is the solution to the problem of job growth in this country. Let me help you start or grow your business so you can hire people. My book doesn’t tell you about the tax incentives involved in business growth because you don’t care one iota about this topic. Tax incentives don’t pay salaries; don’t buy equipment; don’t pay for advertising; don’t pay for innovation; and so on.

Let me propose the way that YOU can prosper in a nation of out of touch politicians. Let hard money be your solution to the problem of how to obtain capital to follow your dreams.

I’m excited to show you the way. Buy my book now and start your path to successful business development today.

Best regards, Steve

Stephen Replin is known as the Hard Money Guru, a hard money lender with over 30 years of experience lending money to those in need, and a consultant in the areas of finance and business start-up and business growth. He has been speaking and consulting on the topic of alternate finance for the same 30 years and is the author of the only book of its kind on how to navigate the (loan) shark infested waters of hard money: WHERE TO GO WHEN THE BANK SAYS NO! This groundbreaking book can be purchased on Amazon.com or direct through me.

I must admit that I’m truly excited about the prospects of hard money for our country going forward after watching the returns last night in Iowa.

None of these candidates have expressed any thoughts or ideas whatsoever about how they would address the banks bad debt problems, the lack of bank loans for small business, or any way to avoid the prospective problems of higher oil prices, inflation and foreign debt problems.

I see a bright future for hard money as the only viable source of funds for business start-up and growth both in the short and longer term.

The banking system in this country will be imploding due to a swing of the pendulum towards more conservative lending policies to insure the long-term strength of the overall financial system. The unintended detriment is that it leaves new and growing businesses high and dry when it comes to funding.

If one of these candidates actually came up with solutions or suggestions to face these problems directly, the small business sector in this country would have a fighting chance at growth. But, as it stands now, they are more concerned with who is the more conservative candidate and who can win the Christian right vote.

Pardon me saying it, but I don’t think that religion has any place in the politics of government. The government is not there to tell us how to pray, what to do about abortions, education or any of the other states issues. Even worse, is that these candidates believe somehow that the government should be responsible for telling a woman what to do with her body.

Why not deal with more pressing issues?

Wouldn’t it be a breath of fresh air if the candidates addressed the more pressing problems?

For example, why not try to find a solution to continued high unemployment throughout the U.S.? This would be like a breath of fresh air to all of the people employed by a string and to all of those people who are unemployed, especially if it was directed at putting them in a job.

And, what about the deficit? Are we just going to let this issue continue to get worse and worse until we implode like Greece? Apparently so…

Do yourself, and your business, a big favor and read the handwriting on the wall. The economy is not going to get better any time soon, and banking and the entire financial system may become significantly worse for small business.

Educate yourself now about hard money. Let my new book, Where to Go When the Bank Says No!, be the guide book to this incredible source of funding that is easier and faster to get than a bank loan would have been (if you could have gotten one).

I’ll be there to consult with you if you need the help.

Have a happy new year.
Best regards, Steve

Did you ever think that you could follow your dreams of financial independence into the New Year? The most important factor holding you and most others back is the lack of capital. Finding the money to start a business is one of the most difficult parts of the entire process.

The business planning process, which all good business people should complete (even if only in summary form), will generate a schedule of the amount of money needed for your initial expenses, including working capital.

If you were to go to your bank in order to obtain the funds that you believe that you need, the process would take anywhere from 30 to 60 days to either be accepted or denied. During this time, a great location may be taken by someone else, a great deal on inventory or services may be gone, and what might be the worst part of the entire process, your enthusiasm may wane.

The bank will be seeking information about your assets, liabilities, cash flow, credit rating, projections, tax returns for the last three years, business plans, leases for new space, possibly marketing plans, appraisals of your real estate, and so on, for their review before they make the decision to approve your loan. Additionally, they will be reviewing your “banking relationships” which is code for how much money you have and keep in their bank.

Because the federal regulations regarding the qualifications for loan approval are difficult and getting even worse as time goes by, it is highly likely that unless you are a superb candidate in all respects, your application will probably be turned down.

There is another way and a better way, however. Throughout the entire US, there is a group of unaffiliated people and companies who are what we will call alternative lenders. These lenders do not have an interest in your personal qualifications but are much more interested in the collateral that you have to pledge for the money that you need.

In my new book, entitled Where to Go When the Bank Says No! I describe this entire area, its benefits, where to find it, how to avoid the bad lenders, and how best to negotiate with them for your best terms. It is truly a roadmap to getting the money that you need fast.

I’m excited to introduce and explain this resource to you for a lifetime of benefits for your business investments thereafter.

Welcome to the Hard Money Blog featuring news and trends along with my own personal ideas and advice on hard money and alternative business funding sources.

My name is Steve Replin and I’be been in the business of hard money lending for 30 years. As you can imagine, I’ve seen businesses succeed with proper funding while others burn at the stake when they run out of money. I’ve also seen where companies are awarded funding but from the wrong sources resulting in a similar negative outcome.

Half the battle in getting money for your business is knowing what options are available in the first place. Typically, business owners turn to their local bank when the need for money arises. But, you are correct to assume from what you’ve heard on the news that bank loans are very tough to come by these days.

If the money needed is of a smaller amount, usually less than $50,000, the business owner then canvasses his family members for money. But, after that first phone call, word travels faster than you can dial the phone as your relatives spread the viral alert faster than a YouTube video of another cat playing the piano, “Hey ‘cuz…Just wanted to warn you quick not to answer your phone if you get a call from Johnny this week. Yeah, you guessed it…he’s after the family for money again.”

Now, that’s a quick way to not get invited again to Thanksgiving dinner next year!

When the money levels are into the hundreds of thousands or even millions of dollars, the stakes get even greater.

What’s the solution? Hard Money.

Over the course of the next several months I will be engaging in a focused effort to get my message to the business world about the existence of hard money and a new method for acquiring it.

This process is described in great detail in my new book, Where to Go When the Bank Says NO!, which should be owned and read by every business owner who seeks business expansion.

After reading the book, many of my blog posts will make more sense as I will be expanding on the methods and principles I discuss in the book.

The great thing about a blog area like this, though, is that we have the opportunity as fellow business owners to discuss these topics in a public forum. I’d like to encourage you to make comments and ask questions when you see a topic that gets you curious.

And, by all means, if you have an idea for a topic that you would like me to cover in this Hard Money Blog area, please use the contact form to make your suggestion.

Have a great start to 2012 and best of luck in your quest for business funding. My hope is that I can inspire you to take a closer look into the tremendous opportunity awaiting you on the side of hard money. And, remember. When the bank says no, you know where to go.