BUSINESS LOANS

Owner Finance is a Certified Business Finance Company (BFC) and part of a prestigious nationwide network of independently owned and operated loan brokerage companies. These companies offer highly personalized service and help cut through the red tape that is often involved in securing business loans from banks and other lending institutions.

As an Owner Finance Consultant , I can now provide this service to my clients

My client’s save time by having their loan or lease directed to the most appropriate funding source. They are not limited to one funding source. A bank has one program; Owner Finance Consultants have hundreds of programs, available for their clients. Clients having access to an Owner Finance Consultant have access to hundreds of funding sources across the United States as well as Canada and the U.K. These funding sources are monitored daily for the best interest rates and terms available to your clients and your business.

Types of Loans an Owner Finance Consultant Can Arrange

Acquisition-Loans Equipment Leasing

Start-up Loans Commercial Property Loans

Inventory Loans Unsecured Borrowing

Accounts Receivable Loans Lines of Credit

Factoring Warehouse Financing

Government Guaranteed Loans Machinery Loans

Working Capital Loans Flooring Lines

Agricultural Loans International Loans

Purchase Order Financing Virtually ANY TYPE BUSINESS LOAN

There has always been financing sources ready to handle any type of legitimate business loan or lease. However most business owners don't know who they are or where to find them. Accountants and other financial consultants can charge businesses exorbitant fees to help find financing, with no guarantee of success. Our fees are normally contingent on the loan funding and in some cases are paid by the lender, costing the client nothing to use your services.

We enjoy the respect of our customers

- And have the testimonials to prove it.

"We're in the retail petroleum business; we own and operate gas stations. Only certain lenders lend in our industry, and if you don't know who they are and how to deal with them, you'll have difficulty getting funded. Our Business Finance Consultant knew who to take our loans to and how to get them approved and funded. We concentrate on our business while he takes care of our borrowings. We're quite pleased." (Barry B.)

"We were pleasantly surprised by what our Business Finance Consultant could do for us without our having to show financial statements. Ours is a professionally managed private corporation and we don't like to show our financials if we can avoid it. Our Business Finance Consultant was able to arrange a lease on a $200,000 production machine for us with only a one-page equipment lease application. The payments were surprisingly reasonable, and the lessor was excellent." (Monica D.)

"We own an office building and it was time for us to refinance it due to a call date. The loan was for $4,500,000. What we enjoyed about our Business Finance Consultant was his professionalism, and that he brought us to an excellent national commercial real estate lender. The rates were better than those available from local banks. We would be pleased to bring our future needs to our Business Finance Consultant, and to recommend others to him; our attorney referred him to us." (Abe F.)

"No one factors the receivables of construction subcontractors, and I couldn't get a bank to lend to me on them. Then last year, a Business Finance Consultant called me and asked if he could be of service on my receivables. He took my receivables to a full service accounts receivable company, and now I can run more jobs. My payments to vendors are up to date, and I am much more profitable. Why didn't I meet him 15 years ago?" (Sally L.)

THE BORROWING PROCESS

FIRST –I WORK DIRECTLY WITH THE CLIENT

SECOND – WE DO NOT ACCEPT DEALS FROM BROKERS OR INVESTORS ACTING ON BEHALF OF THE CLIENT. UNLESS WE ARE DIRECT TO THE CLIENT WE WILL NOT REVIEW THE REQUEST.

1. My Client submits Executive Summary. I fax or Email to my company. This identifies myself as the consultant of record and tells us exactly what my client is trying to accomplish. We then send you a loan specific application for my client to complete. (Executive Summary – a short explanation of who the client is, what they’re trying to do, experience, how much they need and how they will repay the loan.)

2. I send completed application to my company for review.

3. The company will contact my client directly by phone to learn more about the request and will answer any specific questions.

4. My client will be contacted directly for information/documentation required.

5. Loan is processed. (Many equipment leasing sources can approve your clients lease in less than 24 hours.)

6. Client signs the loan documents and loan funds. END OF PROCESS!

7. Owner Finance receives commissions and then funds you.

Robert Skulka,Owner Finance Consultant (907) 382-1045wk# ,fax#(907)276-6262

skultkaman@yahoo.com

645 G Street,suite100,#876

Anchorage,Alaska 99501

Coming together is the Beginning;

Keeping together is the Progress;

Working together is Success.

                           ~Henry Ford

The Old Man and the Dog
by Catherine Moore

"Watch out! You nearly broad sided that car!" My
father yelled at me.

"Can't you do anything right?"

Those words hurt worse than blows. I turned my head toward
the elderly man in the seat beside me, daring me to challenge him. A
lump rose in my throat as I averted my eyes. I wasn't prepared for
 another battle.

"I saw the car, Dad. Please don't yell at me when I'm driving."
My voice was measured and steady, sounding far calmer than I really
 felt.

Dad glared at me, then turned away and settled back. At home I left
 Dad in front of the television and went outside to collect my thoughts.
 Dark, heavy clouds hung in the air with a promise of rain.
The rumble of distant thunder seemed to echo my inner turmoil.

What could I do about him?

Dad had been a lumberjack in Washington and Oregon. He had enjoyed
 being outdoors and had reveled in pitting his strength against the forces
 of nature. He had entered grueling lumberjack competitions, and had
 placed often. The shelves in his house were filled with trophies
that attested to his prowess.

The years marched on relentlessly. The first time he couldn't lift a
 heavy log, he joked about it; but later that same day I saw him outside
 alone, straining to lift it. He became irritable whenever anyone
 teased him about his advancing age, or when he couldn't do something he had
 done as a younger man.

Four days after his sixty-seventh birthday, he had a heart attack. An
 ambulance sped him to the hospital while a paramedic administered CPR
 to keep blood and oxygen flowing. At the hospital, Dad was rushed into
an operating room. He was lucky; he survived.

But something inside Dad died. His zest for life was gone. He
 obstinately refused to follow doctor's orders. Suggestions and offers of help
 were turned aside with sarcasm and insults. The number of visitors
 thinned, then finally stopped altogether. Dad was left alone.

My husband, Dick, and I asked Dad to come live with us on our small
 farm. We hoped the fresh air and rustic atmosphere would help him adjust.
 Within a week after he moved in, I regretted the invitation.

It seemed nothing was satisfactory. He criticized everything I did. I
 became frustrated and moody. Soon I was taking my pent-up anger out on
 Dick. We began to bicker and argue. Alarmed, Dick sought out our
 pastor and explained the situation. The clergyman set up weekly
counseling appointments for us. At the close of each session he
 prayed, asking God to soothe Dad's troubled mind. But the months wore on and
 God was silent. Something had to be done and it was up to me to do
 it.

The next day I sat down with the phone book and methodically called
 each of the mental health clinics listed in the Yellow Pages. I explained
 my problem to each of the sympathetic voices that answered.
In vain. Just when I was giving up hope, one of the voices suddenly
 exclaimed, "I just read something that might help you! Let me go get the
 article." I listened as she read. 

The article described a remarkable study done at a nursing home. All
 of the patients were under treatment for chronic depression. Yet their
 attitudes had improved dramatically when they were given responsibility
 for a dog.

I drove to the animal shelter that afternoon. After I filled out a
 questionnaire, a uniformed officer led me to the kennels. The odor of
 disinfectant stung my nostrils as I moved down the row of pens. Each
 contained five to seven dogs. Long-haired dogs, curly-haired dogs,
black dogs, spotted dogs all jumped up, trying to reach me. I studied
 each one but rejected one after the other for various reasons too big,
 too small, too much hair. As I neared the last pen a dog in the
 shadows of the far corner struggled to his feet, walked to the front of the
 run and sat down. It was a pointer, one of the dog world's
aristocrats. But this was a caricature of the breed. Years had etched
 his face and muzzle with shades of gray. His hipbones jutted out in
 lopsided triangles. But it was his eyes that caught and held my
 attention. Calm and clear, they beheld me unwaveringly.

I pointed to the dog. "Can you tell me about him?" The
officer looked, then shook his head in puzzlement.

"He's a funny one. Appeared out of nowhere and sat in front of the
 gate. We brought him in, figuring someone would be right down to claim
 him. That was two weeks ago and we've heard nothing. His time is up
 tomorrow." He gestured helplessly.

As the words sank in I turned to the man in horror. "You mean you're
 going to kill him?"

"Ma'am," he said gently, "that's our policy. We don't
have room for every unclaimed dog."

I looked at the pointer again. The calm brown eyes awaited my
 decision. "I'll take him," I said.

I drove home with the dog on the front seat beside me. When I reached
 the house I honked the horn twice. I was helping my prize out of the
 car when Dad shuffled onto the front porch.

"Ta-da! Look what I got for you, Dad!" I said excitedly.

Dad looked, then wrinkled his face in disgust. "If I had wanted a dog
 I would have gotten one. And I would have picked out a better specimen
 than that bag of bones. Keep it! I don't want it" Dad waved his arm
 scornfully and turned back toward the house.

Anger rose inside me. It squeezed together my throat muscles and
 pounded into my temples.

"You'd better get used to him, Dad. He's staying!" Dad
ignored me. "Did you hear me, Dad?" I screamed. At those
words Dad whirled angrily, his hands clenched at his sides, his eyes
 narrowed and blazing with hate.

We stood glaring at each other like duelists, when suddenly the pointer
 pulled free from my grasp. He wobbled toward my dad and sat down in
 front of him. Then slowly, carefully, he raised his paw.

Dad's lower jaw trembled as he stared at the uplifted paw Confusion
 replaced the anger in his eyes. The pointer waited patiently. Then Dad
 was on his knees hugging the animal.

It was the beginning of a warm and intimate friendship. Dad named the
 pointer Cheyenne. Together he and Cheyenne explored the community.
They spent long hours walking down dusty lanes. They spent reflective
 moments on the banks of streams, angling for tasty trout. They even
 started to attend Sunday services together, Dad sitting in a pew and
 Cheyenne lying quietly at his feet.

Dad and Cheyenne were inseparable throughout the next three years.
 Dad's bitterness faded, and he and Cheyenne made many friends. Then late
 one night I was startled to feel Cheyenne's cold nose burrowing through
 our bed covers. He had never before come into our bedroom at
night. I woke Dick, put on my robe and ran into my father's room. Dad
 lay in his bed, his face serene. But his spirit had left quietly
 sometime during the night.

Two days later my shock and grief deepened when I discovered Cheyenne
 lying dead beside Dad's bed. I wrapped his still form in the rag rug he
 had slept on. As Dick and I buried him near a favorite fishing hole,
 I silently thanked the dog for the help he had given me in
restoring Dad's peace of mind.

The morning of Dad's funeral dawned overcast and dreary. This day
 looks like the way I feel, I thought, as I walked down the aisle to the
 pews reserved for family. I was surprised to see the many friends Dad and
 Cheyenne had made filling the church. The pastor began his eulogy. It
 was a tribute to both Dad and the dog who had changed his
life. And then the pastor turned to Hebrews 13:2. "Be not
forgetful to entertain strangers."

"I've often thanked God for sending that angel," he
said.

For me, the past dropped into place, completing a puzzle that I had not
 seen before: the sympathetic voice that had just read the right
 article...

Cheyenne's unexpected appearance at the animal shelter ... his calm
 acceptance and complete devotion to my father ... and the proximity of
 their deaths. And suddenly I understood. I knew that God had answered my
 prayers after all.

Life is too short for drama & petty things, so
laugh hard, 

love truly and forgive quickly.

Live While You Are Alive.

Tell the people you love that you love them, at every opportunity.

Forgive now those who made you cry. You might not get a second time.

 
As always, I would love to hear from you.