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Help~My Husband and I need 100k for a down payment on profitable business, We have applied for several loans.

We have applied for several loans and we have been denied on all of them, I am not sure why as the Business we are looking at is making great money, The owners are willing to do most of the Fiancing for us we just need the down payment. The business is a Dog boarding kennel and it is grossing about 160k a year right now. My husband is in the Military and is going to continue to keep his job, so we would be making way more than enough. I just need help with the Down payment, any ideas?

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We are financial consultants to a group of investors whom we have their consent to manage their funds which is in our custody for cooperation in joint venture business investments.

Our areas of interest include Property Development and real estate, Health Care, Education and training, Mining and exploration, Energy, oil and gas,Technology, Software development, Agriculture, Manufacturing, Finance Services and Leisure.However, all viable proposals within reason will be considered.

Funds shall be made available to you as a direct investment loan at 3% interest rate per annual for a period of 2 or 30 years depending on what you prefer. You may contact us if you have interesting investment proposal for possible business collaboration for our study.

We look forward to your reply to enable us provide you with details or you may visit our website.

Kindly acknowledge receipt of email.

Thank you.

Yours Sincerely
Jesse Peterson
phone: (980) 239-7539

Aug 17, 2017
James Baxter
Baxter Lending
Austin County, TX

We can assist you with either loan or investment. We also lease BG/SBLOC to enable you finance all your project. Get back to me for more via

Jan 4, 2010
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Two websites for possible financing of part of your need for $100k could include and

From a CPA and MBA in Arizona, 5 + years in public accounting, executive in industry now

Dec 31, 2009
Julie A. Barnes, CPA
Small Business Exchange, Inc.
Travis County, TX

Hi Krystle,

As the former wife of a fighter pilot, I can tell you that many banks are just historically xenophobic about the military - it's a hold over from times long since past, but many still view the military as a band of gypsies.

Can you assure a bank that you will be staying at the present location? That is, does your husband plan to retire there? If so, you need to make this perfectly clear. On the other hand, do you only plan to own the business for one tour? If so, the bank quite rightly might consider your ownership a risk.

Do you have any home equity or other property that might collateralize a down payment? Are you a member of a credit union that might help?

I understand your frustration but you need to look at the problem from the lenders' point of view and work on providing some assurances.

You're cordially invited to visit my blog: - where you can find free advice about how to buy a business and the various machinations involved.

Good Luck!
Julie A. Barnes, CPA
President, SBX, Inc.

Dec 31, 2009

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