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Q: Boutique firm ( Answered 5 out of 5 stars,   22 Comments )
Question  
Subject: Boutique firm
Category: Business and Money > Finance
Asked by: shoaib-ga
List Price: $5.00
Posted: 12 Apr 2006 10:23 PDT
Expires: 12 May 2006 10:23 PDT
Question ID: 718224
I want to know that http://www.commercialfundinginternational.com/real-estate.html
worldwide brokerage organization can arrange only "100% joint ventures
financing to pay for all of the closing costs" for purchase of
residential property of minimum US$ one million  worldwide for
commerial investment ??  Please provide general information about the
above mentioned question.

Request for Question Clarification by denco-ga on 12 Apr 2006 11:25 PDT
Howdy Shoaib,

No, I do not believe that Commercial Funding International, LLC could meet
your usual requirements, in specific, the "no fee" need.  The following is
from their "Contact" page.
http://www.commercialfundinginternational.com/contact.html

"At execution of the formal Application, a Travel Expense and Application/
Due Diligence fee will be required by our underwriting source ..."

Looking Forward, denco-ga - Google Answers Researcher

Clarification of Question by shoaib-ga on 13 Apr 2006 10:48 PDT
Denco resarcher please type the above website address of
www.commercialfundinginternational.com in the search bar of
www.google.com search engine and you would see the following
information in its result page :

Commercial Funding International, LLC- Commercial Real Estate ...We
provide funding for commercial real estate, 100% joint venture
funding, international and project financing, and venture capital.

so therefore Denco researcher it means that above mentioned
international finance brokerage company can arrange above mentioned
joint ventures finance for commercial investment ?? Denco researcher
please provide confirmation about my above statement and thanks and
best regards from Shoaib.

Request for Question Clarification by denco-ga on 13 Apr 2006 11:12 PDT
Howdy Shoaib,

Your original question notes that the financing should "pay for all of the
closing costs" and although it appears that Commercial Funding International
can arrange joint venture financing and 100% loan to cost (LTC) loans, and
they possibly can do a combination of the two, I have provided a link to show
that there would be costs associated with their process that might not be
covered by the financing.

Looking Forward, denco-ga - Google Answers Researcher

Clarification of Question by shoaib-ga on 13 Apr 2006 11:33 PDT
Denco researcher please go to the following webpage address of
http://www.commercialfundinginternational.com/alternative-financing.html
and in that webpage address it is written that :

"We provide a variety of services for individuals and businesses,
finding money outside the traditional lending community. This usually
involves offering cash for all or a portion of incoming payments or
finding money for a purchase. "SOME" of the services offered are
listed below: ETC.

Denco researcher it is also written in the above mentioned webpage
address that  "Business Loans - CFI can help businesses in the lending
process for commercial expenditures. This extends from financing
commercial real estate to acquiring SBA financing for business
development".

Denco researcher you would notice above it is written that only "SOME"
of the services are mentioned in that webpage address so therefore it
means that above mentioned international finance brokerage
organization can arrange unsecured/signature business/personal loans
or working capital loans to pay for "all or any of the costs"
associated with the purchase of real estate for commercial investment.
Denco researcher please provide 'confirmation' about my above
mentioned statement and thanks and best regards from Shoaib.

Clarification of Question by shoaib-ga on 13 Apr 2006 12:23 PDT
Denco researcher please also note that in its following joint ventures
webpage address http://www.commercialfundinginternational.com/joint-venture-financing.html
 it is also written that :

  "In some cases, joint venture financing may be the only way to get
the project funded.

Joint Venture Financing - A Specific Solution
Joint Venture Financing can be a complicated method to structure and
it is not appropriate for all projects. We can look at your specific
situation to see if a joint venture is a viable means of finance. When
it does makes sense, we will advise our clients appropriately, and our
underwriters can help match the right Lender/Investor to the project".

so therefore Denco researcher the above mentioned information means
that 100% joint ventures financing is possible for real estate
projects for commercial investment AND please also note that "minimum"
international real estate loans of the above mentioned international
finance bokerage company is US$ ONE million for commercial investment
as indicated in its following webpage address of
http://www.commercialfundinginternational.com/real-estate.html
Denco researcher thanks for above help and I am looking forward to hearing from you.

Clarification of Question by shoaib-ga on 13 Apr 2006 12:35 PDT
Denco researcher please also open the answer form below to get paid
for above answer and please note that I shall also pay extra money to
you in the form of tip to you for above answer and thanks and best
regards from Shoaib.

Clarification of Question by shoaib-ga on 13 Apr 2006 12:54 PDT
Denco researcher please also note in its following website address of
: http://www.commercialfundinginternational.com/ it is written that :

"In that regard, Commercial Funding International, LLC ("CFI") is not
a Lender but is a small, boutique firm based in Portland, Oregon. We
assist clients with traditional financing requests but our unique
market niche is to help clients with "harder to fund" projects. Even
though the funding request may be more challenging, we roll up our
sleeves and go to work to secure the best rate and terms for that
specific project, given its overall risk assessment.

The major advantage of working with a small company like ours is that
we are dedicated to giving you individualized, personal service to
achieve project funding. To expedite the process, we offer you a
working relationship with a firm dedicated to persistence and
flexibility, where it is not unusual to "think outside the box". Our
creative team can process your file, do the risk analysis, pre-qualify
your project with the appropriate Lender/Investor, and then do the
underwriting and final packaging work required to help get your
project funded".

so therefore the above mentioned information indicates that this
international finance brokerage company has the capability to arrange
100% joint ventures financing for real estate projects of minimum US$
one million for commercial investment and this international finance
brokerage company can also arrange
unsecured/signature business/personal loans or working capital loans
to pay for "all or any of the costs(including any or all  of the costs
of its fees)" associated with the purchase of real estate projects for
commercial investment. Denco researcher please provide "confirmation"
about my above mentioned statement and thanks and best regards from
Shoaib.

Request for Question Clarification by denco-ga on 13 Apr 2006 13:00 PDT
Howdy Shoaib,

I agree that Commercial Funding International, LLC states they can arrange
joint venture financing and 100% loan to cost (LTC) loans.

I have not found a statement on their website that explicitly states that
any joint venture financing would be 100% loan to value (LTV) or LTC, and
I have not found any statement, including your reference to the "Some of
the services offered ..." phrase, that would indicate that any financing
they arrange would include "all or any of the costs" associated with the
purchase of real estate for commercial investment.

If Commercial Funding International, LLC usually would arrange unsecured
or signature business/personal loans or working capital loans, I would
think they would have been more explicit is stating such.

Joint venture financing would probably be the product that they offer that
could possibly address your usual needs.

Looking Forward, denco-ga - Google Answers Researcher

Clarification of Question by shoaib-ga on 13 Apr 2006 13:23 PDT
Denco researcher please open the answer form below to get paid for
above answer and please note that I have increased the price of this
question ID to US$ 5 and thanks and best regards from Shoaib.
Answer  
Subject: Re: Boutique firm
Answered By: denco-ga on 13 Apr 2006 13:35 PDT
Rated:5 out of 5 stars
 
Howdy Shoaib,

I agree that Commercial Funding International, LLC states they can arrange
joint venture financing and 100% loan to cost (LTC) loans.

I have not found a statement on their website that explicitly states that
any joint venture financing would be 100% loan to value (LTV) or LTC, and
I have not found any statement, including your reference to the "Some of
the services offered ..." phrase, that would indicate that any financing
they arrange would include "all or any of the costs" associated with the
purchase of real estate for commercial investment.

If Commercial Funding International, LLC usually would arrange unsecured
or signature business/personal loans or working capital loans, I would
think they would have been more explicit is stating such.

Joint venture financing would probably be the product that they offer that
could possibly address your usual needs.

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 13 Apr 2006 13:47 PDT
Denco resarcher to answer your above statement  please type the above
website address of www.commercialfundinginternational.com in the
search bar of
www.google.com search engine and you would see the following
information in its result page :

Commercial Funding International, LLC- Commercial Real Estate ...We
provide funding for commercial real estate, 100% joint venture
funding, international and project financing, and venture capital.

so therefore Denco researcher it means that above mentioned
international finance brokerage company can arrange "100% joint
ventures finance" for commercial investment ?? Denco researcher
please provide clarification of my above statement and thanks and
best regards from Shoaib.

Request for Answer Clarification by shoaib-ga on 13 Apr 2006 14:02 PDT
Denco researcher you have stated above the following information :

 "No, I do not believe that Commercial Funding International, LLC could meet
your usual requirements, in specific, the "no fee" need.  The following is
from their "Contact" page.
http://www.commercialfundinginternational.com/contact.html

"At execution of the formal Application, a Travel Expense and Application/
Due Diligence fee will be required by our underwriting source ..."

Denco researcher in response to your above statement I agree for the
above mentioned costs for real estate projects but please note that if
"only"  Equity participation is involved but if that international
finance brokerage company can arrange 100% joint ventures financing
for real estate projects  then in this special situation joint
ventures partners would provide financing or loan to pay for "all of
the closing costs" associated  with the purchase of real estate
projects for commercial investment and borrower has to pay nothing for
purchase of real estate projects for commercial investment. Denco
researcher please provide "clarification" of my above mentioned
statement and thanks and best regards from Shoaib.

Clarification of Answer by denco-ga on 13 Apr 2006 20:15 PDT
Howdy Shoaib,

Even though they have the phrase "100% joint venture funding" within their
HTML, Commercial Funding International, LLC does not state that visibly on
their website, so I think it would be a mistake to assume they can make any
such arrangements.

I agree there is always the possibility that joint venture financing will
pay for all of the closing costs of financing, but again, this is not
something that one can assume.

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 19 Apr 2006 18:12 PDT
Denco researcher hello  I hope you would be fine. Please note that
because of some of my personal reasons I could not be able to
correspond with you earlier. Denco researcher I also want to know that
http://www.commercialfundinginternational.com/ international loan and
finance brokerage company can arrange 100% loan-to-value(LTV)
residential  property loans for purchase of residential property for
commercial investment but if it cannot arrange that  100% LTV loans
for purchase of residential           property then I want to know
that this international loan and finance brokerage company can arrange
"50% LTV loan from its one funding source AND 50% LTV loan from its
another funding source" for purchase of  residential   property for
commercial investment ?? Denco researcher thanks for above help and I
am looking forward to hearing from you.

Clarification of Answer by denco-ga on 19 Apr 2006 20:30 PDT
Howdy Shoaib,

I am not trying to be difficult with my clarifications, but if the website
in question does not have the information, there is no way I can make any
"hard" statement for you.  This is one of those cases.

It gets down to working with and negotiating financing sources to arrange
any kind of financing package, and Commercial Funding International is no
different.

I reckon that they could probably arrange a 100% LTV finance package if
the right business opportunity was presented to them.

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 02 May 2006 05:16 PDT
Denco researcher please note tht I shall give you extra US$ in the
form of tip to you for answer of below question. Denco researcher you
have stated above that "any one" international loan and fnance
brokerage company for example above mentioned Comercial funding
international LLC  loan and finance brokerage  company can arrange
"50% LTV loan from its one funding source AND 50% LTV loan from its
another funding source" for purchase of SINGLE  residential   property
for commercial investment so therefore I also want to know that is it
also possible for that "any one" international loan and fnance
brokerage company for example above mentioned Comercial funding
international LLC  loan and finance brokerage  company to arrange 
"50% EQUITY financing or  loan from its one funding source AND 50%
EQUITY financing or loan from its another funding source" for purchase
of SINGLE  residential   property for commercial investment so as to
pay for "all of the closing costs" for purchase of ONE residential
property for commercial investment ?? Denco researcher please provide
"clarification" of my above mentioned statement and thanks and best
regards from Shoaib.

Clarification of Answer by denco-ga on 03 May 2006 11:51 PDT
Howdy Shoaib,

The bottom line is that most any lender or funding source is going to want
to know what other financing is in place for the proposed project.

That said, there is always the possibility, however doubtful, with the right
negotiations that a 50% LTV loan might be obtained from one source, with
another 50% LTV loan being obtained from another source.

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 05 May 2006 02:27 PDT
Subject : EQUITY financing or loan.

Denco researcher you have indicated above it is possible that  "any
one" international loan and fnance brokerage company for example above
mentioned Comercial funding international LLC  loan and finance
brokerage  company can arrange "50% LTV loan from its one funding
source AND 50% LTV loan from its
another funding source" for purchase of SINGLE  residential   property
for commercial investment and I am "satisfied" with your above answer
but please note that second part of my above question is I also want
to know that is it also possible for that "any one" international loan
and fnance brokerage company for example above mentioned Comercial
funding international LLC  loan and finance brokerage  company to also
arrange "50% EQUITY financing or  loan from its one funding source AND
50% EQUITY financing or loan from its another funding source" for
purchase of that SINGLE  residential   property for commercial
investment so as to pay for "all of the closing costs" for purchase of
ONE residential property for commercial investment ?? Denco researcher
thanks for your above help from Shoaib.

Clarification of Answer by denco-ga on 05 May 2006 10:35 PDT
Howdy Shoaib,

If the brokerage association in question, such as Commercial Funding
International, LLC, were to have access to or represent more than one
funding source that provides 50% LTV financing, then it could be a
possibility that the brokerage association might be able to arrange
50% LTV financing from one funding source and a second 50% LTV loan
from another funding source, and meet the financing requirements you
outline.

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 06 May 2006 03:35 PDT
Denco researcher I am satisfied with your above clarification but
Denco researcher please note that I ALSO want to know that  the
brokerage company in question, such as Commercial Funding
International, LLC,  can ALSO arrange "50% EQUITY financing  from its
one funding source AND 50% EQUITY financing from its another funding
source" for purchase of that SINGLE  residential   property for
commercial investment so as to pay for "all of the closing costs" for
purchase of ONE residential property for commercial investment ??
Denco researcher thanks for your above help from Shoaib.

Request for Answer Clarification by shoaib-ga on 06 May 2006 03:42 PDT
Denco researcher please note that I am "not" talking about LTV
mortgage loan for purchase of residential property for commercial
investment in my above clarification but I am "only" talking about 50%
EQUITY FINANCING for purchase of SINGLE  residential property for
commercial investment so therefore please provide the answer about 50%
EQUITY financing only according to the details provided in my above
mentioned clarification ? Denco researcher thanks for your above help
from Shoaib.

Clarification of Answer by denco-ga on 06 May 2006 13:43 PDT
Howdy Shoaib,

If the brokerage association in question, such as Commercial Funding
International, LLC, were to have access to or represent more than one
funding source that provides 50% equity financing, then it could be a
possibility that the brokerage association might be able to arrange
50% equity financing from one funding source and a second 50% equity
loan from another funding source, and meet the financing requirements
you outline.

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 07 May 2006 03:40 PDT
Yorker-ga commenter and Myoarin-ga commenter in response to your below
mentioned comments  please note that international barter business
loan and finance  brokerage company  of  www.1stbroker.com  worldwide
loan and finance  refferal  organization has offered to me for the
PROCESSING of my mortgage loan and my finance requirements to pay for
all of the project costs without any cost to me or the borrower for
purchase of any residential property worldwide for commercial
investment as STATED  below and  both of you can see and read the
terms and conditions of that international barter business loan and
finance  brokerage company below and international barter business 
loan and finance brokerage company can arrange lan and finance
according to my 'needs or desires' so therefore after reading the
below mentioned terms and conditions please inform to me and then
provide to me any clarification of  my below mentioned infrmation and
best regards from Shoaib Sarfraz and I am looking forward to hearing
from both of you :


INTERNATIONAL BARTER ? BUSINESS,

B-2-B Customer-Communication-Center

& Pricing Agency Limited

WORLDWIDE LOANS FROM ESTABLISHED LENDER - 

USD$1 MILLION MINIMUM--Bulletin #360 

We are correspondents with a well established lender who has a track
record of making several thousand loans to clients worldwide since
1980. Their sources of funds, to make loans, are AAA rated banks all
over the world and especially in Europe. Funds used for loans are
clean and cleared. This lender is interested in arranging loans to
clients worldwide which we refer to them.

Terms & Conditions: 

Minimum loan amount is USD$1 million. There is no maximum.

Loans are made for either three, five, seven or ten years.

Current loan rate is 4.8% per year, paid annually in arrears.

Principal is repaid at the end of the loan term.

This lender will make loans for all kinds of purposes including real
estate acquisition, construction and development, business expansion
and acquisition, start-ups, all types of industrial and commercial
loans, special projects like movie production and mining. They will
make loans for all types of humanitarian projects and even loans to
governments and banks.

Loans are made worldwide. There are no geographical restrictions.

Loan applicants are not required to provide any collateral. This
lender uses Credit Insurance at a cost of 2.9% deductible from the
loan amount. Credit Insurance is provided by APIB-Lloyds in London.

Loans are made to virtually all loan applicants The only ones rejected
are those who are found to make fraudulent statements in their
Executive Summary, Business Plan and cash flow projections.

Normal time to funding is 30 to 60 days after receipt of the loan
application and associated documents.

In some cases, the lender will find it more expedient to guarantee a
loan with Bank Guarantees instead of Credit Insurance. This is worked
out case by case with each loan applicant. Bank Guarantees are
provided by this lender?s sister company.

If you wish to apply for funding from this lender, please send the
following documents to International Barter-Business Ltd. by priority
mail or courier. We will accept applications as e-mail attachments
only if ALL documents are sent together in one e-mail attachment.

1. Loan Application addressed to International Barter-Business Ltd. 

2. A well prepared concise Executive Summary and/or Business Plan with
statistics. The lender wants to know the purpose of the loan, the loan
amount needed and how you intend to repay the loan. When seeking to
fund profit-making projects show cash flow projections for three years
or longer. Later in this bulletin we give suggestions on how to
properly prepare an Executive Summary and Business Plan. All documents
must be in English and typed, preferably in 14 point font. Do not send
handwritten documents or documents that are not in the English
language.

3. The borrowing entity must be a Special Purpose Company*, please
send a copy of the Registration Papers of the company.

4. Enlarged color passport copy of the company director or signatory
who will sign the loan agreement and will be responsible for the
repayment of the loan.

5. Send a Corporate Resolution in which the loan application is
authorized and a signatory is appointed to act for and in behalf of
the company.

6. C.V. (Curriculum Vitae) of the director or signatory. (A C.V.
includes a brief life history, job history, and summary of your
achievements and skills.) The Internet has many sites which show how
to properly write a C.V.

7. Letter of Intent--This is a brief document on the borrower?s
letterhead with all contact details including name, mailing address,
phone number, fax, if any and e-mail address, if any. See sample
inside this bulletin. The LOI is addressed ?To the Lender? requesting
the loan amount and the loan term (length of loan) and describing in
one sentence the purpose of the loan.

8. When International Barter-Business Ltd. receives all of the above
mentioned documents, properly prepared, the funding procedure is
started which includes getting all documents to the lender, contact
with the Credit Insurance Company and the Funding Bank. The lender
will contact the borrower to negotiate the terms and conditions of the
loan.

Request for Answer Clarification by shoaib-ga on 07 May 2006 04:48 PDT
Denco researcher please note I am satisfied with your above answer so
therefore Denco researcher please note I want to know that following :

 http://www.globalfinancenetwork.com/loan_application.htm

international loan and finance brokerage organization can arrange "50%
LTV mortgage loan from its one funding source AND 50% LTV mortgage
loan from its
another funding source and 100% joint ventures financing in the form
of Equity without personal guarantees and working capital or/and
unsecured/signature business/personal loans for purhase of residential
real estate projects worldwide for commercial investment ??

Denco researcher I have asked that mentioned question from you in this
question ID because you had provided to me the answer of that global
international finance network organization in my previously posted
question ID and thanks for that help from Shoaib.

Clarification of Answer by denco-ga on 07 May 2006 10:56 PDT
Howdy Shoaib,

This is beyond the scope of the original question.

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 08 May 2006 04:42 PDT
Denco researcher I want to mention that Yorker-ga commenter and
Myoarin-ga comenter have not provided any further comment below in
response to my above statement so therfore I want to know that what
could be the reason for that OR  it may also mean that both of those
commenters have accepted their defeat ? Denco researcher please
response of my above statement and regards from Shoaib.

Request for Answer Clarification by shoaib-ga on 08 May 2006 04:50 PDT
Denco researcher you have stated above the following statement :

"If the brokerage association in question, such as Commercial Funding
International, LLC, were to have access to or represent more than one
funding source that provides 50% equity financing, then it could be a
possibility that the brokerage association might be able to arrange
50% equity financing from one funding source and a second 50% equity
loan from another funding source, and meet the financing requirements
you outline", 

Please note that I am satisfied with your above statement but I also
want to know that from where you have located the above mentioned
statement please provide the website or webpage address in which your
above mentioned statement is written so as to confirm your above
mentioned statement ?? Thanks and regards from Shoaib Sarfraz

Request for Answer Clarification by shoaib-ga on 08 May 2006 07:12 PDT
Myoarin-ga commenter please note that if you want to "confirm" any of
your statement then you would have have to provide "proof" for that
statement so as to confirm any of your statement  so that I should
believe your statement. Myoarin-ga commenter I have noted that  all of
your comments are based on "speculations" so therefore I cannot
believe your statements. Myoarin-ga commenter if you can provide to me
clarification of my above statement then please provide that
clarification and regards from Shoaib.

Request for Answer Clarification by shoaib-ga on 08 May 2006 07:21 PDT
Myoarin-ga commenter I also want to mention that you have "not"
provided the response or answer of the above mentioned information
about international Barter business business loan and finance
brokerage company arranging loan and finance according to the terms
and conditions mentioned in my above clarification so therefore if
possible for you then please also provide the response or answer as
stated above ? I am looking forward to hearing from you.

Clarification of Answer by denco-ga on 08 May 2006 09:46 PDT
Howdy Shoaib,

I would not begin to speculate on the comments or non-comments of others.

As to my statement: "If the brokerage association in question, such as
Commercial Funding International, LLC, were to have access to or represent
more than one funding source that provides 50% equity financing, then it
could be a possibility that the brokerage association might be able to
arrange 50% equity financing from one funding source and a second 50%
equity loan from another funding source, and meet the financing requirements
you outline."

There is no website that will outline every possible finanacing arrangement,
and the above is just one finanacing arrangement that MIGHT be possible.  I
did not and do not make any assessment of the probability of any such type
of arrangement being made.

You continually ask if one type of finanacing or another is POSSIBLE, and the
answer to that question will be, at least from me, to the affirmative, as it
is my experience that lots of things are possible.

Frankly, in your situation, I doubt very much that you will ever find a lender
that will take the chance on your usually proposed project.

With a properly written and dynamic business proposal and plan you might be
able to find some "angel" financing, but there is no easy path to that.

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 13 May 2006 04:56 PDT
Myoarin-ga commenter I want to mention that you have "not"
provided the response or answer of the above mentioned information
about international Barter business business loan and finance
brokerage company arranging loan and finance according to the terms
and conditions mentioned in my above clarification so therefore if
possible for you then please also provide the response or answer as
stated above ? Note :  Myoarin-ga  commenter if you do not provide to
me response of my above clarification then it means that you have been
defeated and I have become victorious.  I am looking forward to
hearing from you.

Clarification of Answer by denco-ga on 13 May 2006 10:44 PDT
Howdy Shoaib,

If you have remarks, etc. for a comment, you should place that remark in
the comment area.  Thanks!

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 20 May 2006 10:09 PDT
Denco researcher hello I hope you would be fine. Denco researcher I
want to mention that Comercial funding international LLC loan and
finance brokerage company does  "not" provides loan amounts of less
than US$  10 million for Latin American countries so therefore if I
ask that brokerage company to INCLUDE my loan amount of US$ 1 million
into any other loan amount of US$ 10 million of any other borrower 
then in this situation that brokerage company would be able to process
my loan amount of US$ 1 million  as stated above  ??  Denco researcher
thanks for your above and I am looking forward to hearing from you.

Clarification of Answer by denco-ga on 20 May 2006 13:14 PDT
Howdy Shoaib,

If you could find another person/borrower seeking financing for a $9M or
larger project, and they would be willing to incorporate your project of
$1M into their project, then it would appear that Commercial Funding
International, LLC would consider such a project.

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 21 May 2006 04:26 PDT
Myoarin-ga commenter according to my opinion your below comment is
wrong because I have now received email message of Jerry O Neil CEO of
Commercial Funding International LLC loan and finance brokerage
company and Jerry O Neil has informed to me in his email message that
my loan amount of US$ 1 million can be included into the loan amount
of US$ 10 million of "any other borrower of Commercial funding
international LLC loan and finance  brokerage company" and Jerry O
Neil has also submitted to me the "forms" in the form of email
attachment for the processing of my loan amount of US$ 1 million for
purchase of residential property located in the prime Cancun resort
area of Mexico country for commercial investment. So therefore
Myoarin-ga commenter according to my opinion you have now once again
failed in your statement below. Myoarin-ga commenter if possible for
you then please provide clarification of my above statement and best
regards from Shoaib.

Request for Answer Clarification by shoaib-ga on 21 May 2006 04:33 PDT
Denco researcher please note that at the following webpage address of
http://www.commercialfundinginternational.com/alternative-financing.html
 it is written that :

 "Business Loans - CFI can help businesses in the lending
process for commercial expenditures. This extends from financing
commercial real estate to acquiring SBA financing for business
development".

so therefore Denco researcher I also want to know that what is the
meaning of above mentioned statement ? Thanks for that help from
Shoaib.

Request for Answer Clarification by shoaib-ga on 21 May 2006 05:07 PDT
Denco researcher please note that I have now increased the price of
Question ID: 726495 to US$ 10 for its answer so therefore Denco
researcher according to my opinion that price is now sufficient  for
the answer of only one sentence in that question ID  and Denco
resarcher if possible for you then please provide the answer of that
question ID and I am looking forward to hearing from you for that
answer and best regards from Shoaib.

Request for Answer Clarification by shoaib-ga on 21 May 2006 05:19 PDT
Denco researcher please note that I have now posted another Question
ID: 730946 in which I need photos of Earth planet taken from Moon so
that I shall be able to see that how does Earth planet looks if Earth
planet is seen from Moon. Denco researcher if possible for you then
please its answer and thanks for that help and best regards from
Shoaib.

Request for Answer Clarification by shoaib-ga on 21 May 2006 05:25 PDT
Denco reearcher I would also now post another question ID in which I
would inquire to provide the photos of "four Moons Of Mars planet"
taken from the surface of Mars planet by robots which had been
previously sent to the surface of Mars planet for search of water in
the Mars planet and the price of that question ID would be US$ 5  so
therefore Denco researcher I want to know that you would be ble to
provide the answer of above mentioned question  so that I should post
above mentioned qestion in this website and I am looking forward to
hearing from you.

Request for Answer Clarification by shoaib-ga on 21 May 2006 09:48 PDT
Denco researcher I have posted another Question ID: 731000 for its
answer about another international loan and finance brokerage company
and the price of that question ID is US$ 5 and Denco researcher if
possible for you then please provide its answer and  I am sure you
would provide its answer with interest and the question in that ID is
totally different from my previous posted questions about loan and
finance and Denco researcher thanks for that help from Shoaib.

Clarification of Answer by denco-ga on 21 May 2006 12:00 PDT
Howdy Shoaib,

The following statement is fairly self explanatory.

"Business Loans - CFI can help businesses in the lending process for
commercial expenditures. This extends from financing commercial real
estate to acquiring SBA financing for business development."

The "SBA" referenced is the "Small Business Administration."
http://www.sba.gov/

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 22 May 2006 08:10 PDT
Denco researcher please note that I have posted another Question ID:
731282 for photos of four Moons of Mars planet as stated above for its
answer so therefore if possible please provide its answer and thanks
for that help from Shoaib.

Request for Answer Clarification by shoaib-ga on 22 May 2006 08:14 PDT
Myoarin-ga commenter please note that you have not provided any
comment for answer of my above clarification so therefore it means
that you have been once again defeated and if possible then please
provide clarification of my above statement and best regards from
Shoaib.

Request for Answer Clarification by shoaib-ga on 22 May 2006 08:20 PDT
Denco researcher please note that you have not provided the answer of
my  Question ID: 731000 for its
answer about another international loan and finance brokerage company
and the price of that question ID is US$ 5 and if possible for you
then please provide its answer and  I am sure you
would provide its answer with interest and the question in that ID is
totally different from my previous posted questions about loan and
finance and Denco researcher thanks for that help from Shoaib.

Clarification of Answer by denco-ga on 22 May 2006 08:42 PDT
Howdy Shoaib,

Perhaps another researcher would be willing to work Question ID: 731000

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 22 May 2006 12:59 PDT
Denco researcher please note that I have incresed the price of
Question ID: 730946 to US$ 5 for its answer and I have also posted
clarification in that question ID for some additional information of
it and Denco researcher thanks for that help from Shoaib.

Request for Answer Clarification by shoaib-ga on 22 May 2006 16:23 PDT
Denco researcher please note that I have posted another Question ID:
731282 for photos of four Moons of Mars planet as stated above for its
answer so therefore if possible please provide its answer and thanks
for that help from Shoaib.

Clarification of Answer by denco-ga on 22 May 2006 16:28 PDT
Howdy Shoaib,

Apologies, but at this time I do not have the time to work your questions.

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 07 Jul 2006 06:48 PDT
Hello dear  Denco researcher I hope you would be fine and you would be
in your excellent health.  Denco researcher I want to clarify all of
the doubts you or myoarin-commenter might have about me because I have
been placing loan questions in this www.answers.google.com website for
many months.  I want to mention that I knew about the following 
Capital Management group or  www.cm-group.com worldwide loan and
finance brokerage organization  even before when you Denco researcher
had  answered my  "first"  question  ID  in this
www.answers.google.com  website and please note that CMG worldwide
loan and finance brokerage company arranges loan and financing for 
"ALL  types of projects  across  the  globe"  in any form to pay for
all of the projects costs even without personal guarantees and CMG
charges only a very small  amount of "processing fees" from the
borrower for arranging any type of loan and finance for projects
worldwide and please note that CMG also charges if required the very
small  fees for  'NEEDS  ANALYSIS'  and please note that if I had
contacted this CMG worldwide loan and finance brokerage company then
there would have been  'NO  NEED'  for me to place loan questions in
this www.answers.google.com commercial website because CMG worldwide
loan and finance brokerage company would have fully informed to me 
about my loan and financing needs according to my needs and desires
but I  want to mention that because of some of my "personal  reasons"
I did not contacted that CMG worldwide loan and finance brokerage
company  but please note that I can contact that CMG worldwide loan
and finance brokerage company at "any time"  and in this way CMG
worldwide loan and finance brokerage company     would  "approve"  for
me loan and finance according to my needs and desires for purchase of
any type of property worldwide for commercial investment.

So therefore Denco researcher if you want to provide answer of my
above mentioned statement then please provide that answer and thanks
and best regards from  Shoaib  and I am looking forward to hearing
from you for that.

Please note that my above information also provides answers to 'ALL' 
of the comments posted by the Myoarin-ga commenter in favour or
against me for loan questions  and if possible for Myoarin-ga
commenter then please also provide clarification of my above mentioned
information and  Regards from Shoaib and I am looking forward to
hearing from you for that purpose.

Request for Answer Clarification by shoaib-ga on 08 Jul 2006 09:58 PDT
Denco researcher if possible for you then please provide response to
my above statement and please note that some problem occured to my
Visa credit card so therefore I could not be able to contact you
earlier and best regards from Shoaib.

Clarification of Answer by denco-ga on 10 Jul 2006 21:32 PDT
Howdy Shoaib,

Your original question was about CFI, so a question about CMG is beyond the
scope of the original question.

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 13 Jul 2006 11:40 PDT
Denco researcher please note that I have posted a very simple 
Question ID: 746015 for its answer so therefore if possible then
please provide its answer and thanks and best regards from Shoaib.

Request for Answer Clarification by shoaib-ga on 13 Jul 2006 11:47 PDT
Denco researcher please note that I have also posted another Question
ID: 744092 in which I need answer about "sugar" in the body of person
so therefore if possible then please also provide its answer and
thanks and best regards from Shoaib.

Clarification of Answer by denco-ga on 13 Jul 2006 20:04 PDT
Howdy Shoaib,

Sorry, but at this time I do not have the time to work your questions.

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 14 Jul 2006 12:54 PDT
Denco researcher I agree with your above statement that you might be
busy for any purpose but Denco researcher please note that I have
"special request" to take a little of your time and provide answer of
those 'very easy question ID' and Denco researcher if required I shall
increase the prices of those question ID and especially that question
ID of 'Sugar' is of specific interest for me so therefore if possible
then please provide its answer and best regards from Shoaib for that
help.

Clarification of Answer by denco-ga on 15 Jul 2006 12:09 PDT
I will see if I can free up some time this coming week, Shoaib.

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 15 Jul 2006 17:37 PDT
Denco researcher if you provide the answers of those two question ID
then I shall immediately give to your answer *****  rating and in this
way you would immediately receive payment for your answers and please
note that I shall not ask for clarifications of those question ID but
if further clarifications are necessary then I shall ask further
clarifications for only two or three days and in this way you Denco
researcher can easily provide answers to those question ID and you can
continue your personal work also and thanks for that help and best
regards from Shoaib.

Request for Answer Clarification by shoaib-ga on 28 Jul 2006 10:19 PDT
Hello  Denco researcher I hope you  would be fine. Denco researcher I
have noted that you have now become active in this website so
therefore please provide the answer of my newly posted very simple 
Question ID: 750417 and its price is US$ 5 and great thanks and best
regards from Shoaib for that help.

Clarification of Answer by denco-ga on 28 Jul 2006 12:47 PDT
Howdy Shoaib,

It appears that Keystroke-ga has already put in some work on the above
question, so I would not want to step in while Keystroke-ga is doing so.

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 29 Jul 2006 08:08 PDT
Denco researcher please note that Keystroke researcher has still 
"not"   provided the answer of my newly posted very simple
Question ID: 750417 and its price is US$ 5  so therefore you should
take on that question  ID and provide its answer  and thanks and best
regards from Shoaib for that help.

Request for Answer Clarification by shoaib-ga on 29 Jul 2006 08:16 PDT
Denco researcher please note that I have also posted another Question
ID: 749462 in which I only need the information about "percentage and
number" of nudists tourists compared to other tourists in the U.S.A. 
country so therefore Denco  researcher according to my opinion there
is 'nothing  wrong' if you provide the answer of that question ID
because I only information that mentioned percentage and number so
therefore if possible then please its answer and thanks and best
regards from Shoaib for that help.

Clarification of Answer by denco-ga on 29 Jul 2006 14:36 PDT
I will see if I can free up some time to take a look at them, Shoaib.

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 30 Jul 2006 10:10 PDT
Denco researcher thanks for your above mentioned response but Denco
researcher please note that I want to ask you a question : Denco
researcher I have noted that you are now not providing answers to my
posted question IDs with attention  so therefore I want to know that
what could be the reason for above purpose so as to solve that purpose
and I also want to know that  you would now not provide answers to my
posted question IDs in the future and if you now does not want to
provide answers to my posted question IDs  OK  then Denco researcher I
shall  now not ask to you further questions for their answer in this
www.answers.google.com  commercial  website ??  Denco researcher I am
looking forward to hearing from you for above purpose.

Clarification of Answer by denco-ga on 30 Jul 2006 12:56 PDT
Howdy Shoaib,

It really gets down to the general appeal of the question, the amount
that I come away with from answering the question, whether I feel there
are going to be excessive requests for clarification, my schedule of
open periods of time, or lack of the same, plus other things that I use
to consider whether I attempt to answer a particular question or not.

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 03 Aug 2006 06:35 PDT
Denco researcher in response to your above mentioned clarification
please note that I have 'increased' the price of the following
Question ID: 746015  to  US$ 10 for its answer and please note
question placed in that question ID is very simple and that question
does not requires excessive clarifications so therefore please answer
that question ID and thanks and best regards from Shoaib and I am
looking forward to hearing from you for above answer.

Clarification of Answer by denco-ga on 03 Aug 2006 13:52 PDT
Howdy Shoaib,

I have answered Question ID: 746015
http://answers.google.com/answers/threadview?id=746015

Looking Forward, denco-ga - Google Answers Researcher
shoaib-ga rated this answer:5 out of 5 stars and gave an additional tip of: $2.00
Denco researcher please accept great thanks for your excellent answer above.

Comments  
Subject: Re: Boutique firm
From: myoarin-ga on 14 Apr 2006 04:07 PDT
 
Dear Shoaib,
From your English style (no complaints), I assume that you are not a
native speaker.  Perhaps it needs to be pointed out that on a website
of the types you have found, including "Commercial Funding
International", when the people say "we can" do something, this is no
promise that they will or, indeed, that they really can.  It is
advertising; they want anyone reading the site to think that they
"can" do everything.
Furthermore, none of these sites are those of actual financers, who
will be the people that actually make the decision.  These sites of
those of brokers, who at best hope that the financers will be
interested in taking on a project that comes through the broker's
site.  These brokers may to some degree help present the information
from someone seeking financing, but they cannot EVER promise that a
financer will do the deal.

It might also be explained that people with a potentially good project
and the experience to make it work, will almost always also have
business experience and an existing business which allows them to deal
directly with financers.  They know that using a broker will cost them
more money and know that if they cannot find financing directly by
themselves, it is most probably a sign that their project is not
attractive to financers.

Having been a banker, I know that financers don't tell people directly
that their project is "bad", that "no one will lend you money for
this"; they explain politely that at the moment they are not making
that kind of loan, or that the project sounds all right, but the bank
must have additional security if it is to finance the project 100%.

Both these points relate to "joint venture financing".  "Joint
Venture" implies that such financing is joining with an existing
business operation, maybe helping to finance an additional store, for
example.  The joint venture financing might cover 100% of the costs
for the purchase of the property and construction of the building, but
the original store owner would then put his name over the door and
operate the store, having demonstrated to the financer with a business
plan that the new store will be a money-making operation.

You don't have to accept my simplified description, but I think that
if you read the definitions of "joint venture" that you can find by
searching with:
define:joint venture

you will see that they all point in the same direction:  two business
entities working together.

I hope this helps you in some way.
Regards, Myoarin
Subject: Re: Boutique firm
From: yorker-ga on 06 May 2006 03:23 PDT
 
Dear Shoaib,

I have seen (and, I think, commented on) some of your other questions
here over the last year. As Myoarin-ga has written, the unfortunate
fact is that the services you are looking for (someone to lend you all
the money you need to purchase property) are simply NOT going to
happen. Not ever. I'm sorry to have to be the one to tell you this,
but it is the truth.

The "official" Google Answers researchers like denco-ga have all been
very polite, and are being very careful in what they write, but the
fact is that ALL of the sites you have been referring to this past
year (including commercial funding international, the Highlander Club,
and the others) are ALL just people trying to trick you. They do NOT
have any money to lend you, they do NOT know any real investors, and
their web sites are only designed to fool you into thinking that they
can get you 'free money'.

The way the trick works is that their web site says things like "100%
joint ventures financing to pay for all of the closing costs" but then
hidden in another place they admit "At execution of the formal
Application, a Travel Expense and Application/Due Diligence fee will
be required by our underwriting source ..."

The trick here is that EVEN if they COULD arrange the "100% joint
venture" (which they CANNOT, because they are people who are just
trying to fool you!), the costs they would pay are the CLOSING costs
at the END of the transaction, but they require that YOU pay the
"Travel Expense and Application/Due Diligence fee" (which is money
that THEY get from YOU) at the time you "submit the formal
application"!

So the trick works like this: YOU pay THEM the fee at the beginning,
and then they tell you that for some reason they cannot find you a
joint venture partner (note that nowhere on their site do they ever
promise in writing that they WILL find you a partner or investor), and
then THEY keep YOUR money, YOU never get ANY money from ANYONE, and it
is all legal.

I wish I could tell you that there were honest, legitimate people to
do what you so much want to find, but those people just do not exist.
Instead, you will find over ten million (!) pages on Google if you
search for the term "free money", and EVERY SINGLE ONE OF THOSE is
just trying to to steal YOUR money.

The only way you are going to be able to make the money you want is
for you to work hard yourself without borrowing money (unless it is
from someone you know, like a family member.) There is a well-known
expression in English that "there is no such thing as a free lunch",
which simply means that nobody is going to give you or lend you money
for free.

It is obvious, however, that you are very ambitious and very
determined to work hard and make money doing business. There is a good
book that you can find on Amazon.com that might help explain to you
how investors work: "Investors in Your Back Yard", which can be found
at this link: http://www.amazon.com/gp/product/1413304206/103-8335890-7167838?v=glance&n=283155

Good luck with your business efforts, and if you would like I can try
to answer more of your questions if you either post another comment
here (so that helpful people like myoarin-ga can also participate in
the conversation) or write me directly at angelinvestor@gmail.com.
Subject: Re: Boutique firm
From: myoarin-ga on 06 May 2006 06:24 PDT
 
Yorker,
I agree with you and hope Shoaib reads and understands your comment.
Unfortunately, I expect that your comment will be removed on Monday because you
have included an email address.

Shoaib,
Yorker is without doubt closer to the online lending scene than I am,
so I trust his comment that all these websites are just trying to get
people to pay them.
Even if this is not the case, even if one or the other site is legitimate, 
when you ask "can they lend/arrange 100% funding", no one can tell you
if they actually will for your project.
As Denco has patiently answered many times, all anyone can read from
the sites is that they say that they can.  Denco's confirmation or
explanation of what the sites say they can do is absolutely no
assurance that they will lend you money, especially if the condition
is 100% financing of the project AND any up front costs.

But to look at the positive side, your insistance on asking about
getting funding of up front costs has probably saved you from wasting
money by paying someone and then discovering the hard way that they
cannot provide the loan.

Regards, Myoarin
Subject: Re: Boutique firm
From: myoarin-ga on 08 May 2006 05:57 PDT
 
Dear shoaib,
I am glad that you have seen Yorker's comment, since it will probably
disappear when people wake up in California.

No, I haven't accepted defeat, but in trying to be polite, I feel
there is a limit to how far I can go in trying to explain why I don't
think you have any chance of getting a loan for your project in any
form.

As mentioned in Yorker's and my comments above  - and also in response
to some of your other questions -  many, if not most, of these sites
aren't serious.  Yorker thinks that none of them are.  But even if
they are, all their claims about being able and eager to lend 100%
loan to value are advertising; you are not the only person who would
love to find 100% financing, but that is not the way lending usually
works.
Denco or anyone else can only repeat what the sites say, so when you
ask for confirmation that they "can" lend, this can only be answered
by agreeing:
"Yes, maybe, they say so," and in some cases being about to point out
all the information about your project and yourself that they will
insist on having,
such as you have listed in your long clarification above.  The other
sites  - if they are serious -  will ask for much the same
information, even if this cannot be seen immediately on the pages of
the site.
As a retired bank credit analyst, I know a bit about how banks look at
loan applications; they want to know who you are, what your experience
is, details about the project, and what their security will be.  A
100% financing for an entirely new project is extremely difficult to
find, virtually impossible to find for a borrower who does not have
experience   - a successful track record on other projects -  and who
cannot immediately demonstrate that he is very familiar the details of
borrowing and how the project will be managed.

From your questions, it does not seem that you have such experience.

As to your last clarification, asking about Denco's earlier statement,
I assume that it is based on experience  - and agree -  but again, the
possibility of this occurring does not say that you can find such
parallel 50/50 financing.
It is, indeed, rather unlikely, because one loan will be secured by a
first mortage on the property, while the other will be secured by a
second mortage.
This means that if the project had difficulties and the property must
be sold, the holder of the first mortgage would get repayment of his
claim before the second lender got anything.  The weak position of the
second lender, makes it very unattractive for anyone to take the risk,
therefore my feeling that such 50/50 financing is very unlikely.

I hope you understand.

Denco has be extremely conscientious with answering your questions,
definitely going beyond the effort suggested by the price.  As I have
mentioned above, the form of your questions, asking if a site "can"
supply financing, does not allow an answer that really gives you more
information than you can find on the site yourself.  That is not very
helpful, and perhaps a bit frustrating for you, but it is all that can
said, unless someone can demonstrate that a website has all the
obvious marks of a scam, which is important but negative additional
information.
No one can tell you if a broker or a lender with a site on the web
WILL actually lend you money.  As Yorker has pointed out, if you
contact the people, they will probably lead you on, making you hope
that they can help you, but at some point they will want money  FROM
YOU, before and without waiting to see if the loan will be made.  They
are in business to make money, even if they are honest, and want
payment for their work, as you discovered on another question.

Experienced people with a good project and track record don't need
website brokers and financers to get their loan.  They know banks and
other lenders who know them and their experience, lenders who have
already worked with them.

Sorry, if I sound discouraging, but I think it is only fair to give
you my opinion so that you can understand a little better what you are
up against in your effort to find financing.

Regards, Myoarin
Subject: Re: Boutique firm
From: myoarin-ga on 08 May 2006 14:35 PDT
 
Shoaib,
You are quite right, I have not provided an answer to the question in
you request for clarification.  I have tried to explain why any
response attempting to answer a question in this form can only repeat
what the website says.  I used the expression "confirm" to mean
repeat, meaning the person answering could only confirm to you that
that is what the site says, perhaps confirming that his and your
understanding is in agreement.
The only way anyone could prove that a site could actually provide the
service advertised is by seeing a loan that it made or brokered,
information that won't be on the web.

GA Researchers are very careful to answer questions precisely,
answering the question as it is stated.  Commenters may take the
liberty of reading something into the question and commenting on that
instead, as I have done, hoping that this adds something to the
questioner's understanding of the subject.
I truly hope that has been the case here.

Regards, Myoarin
Subject: Re: Boutique firm
From: denco-ga on 08 May 2006 16:45 PDT
 
Thanks for the kind comment, 5 star rating and tip, Shoaib.

Looking Forward, denco-ga - Google Answers Researcher
Subject: Re: Boutique firm
From: myoarin-ga on 13 May 2006 05:14 PDT
 
Dear Shoaib,
Yes, you win, I accept defeat.
Myoarin
Subject: Re: Boutique firm
From: myoarin-ga on 20 May 2006 15:39 PDT
 
Shoaib,
I didn't want to come back to this question, but Denco's clarification
to your last proposal about having your loan included with a larger
loan needs more emphasis where it says:  "and they would be willing to
incorporate your proposal ..."  True, but that is NOT going to occur,
it simply will not happen that another borrower includes your project
in his credit request.  Getting a credit approved for one project is
difficult enough; no one would risk having his project complicated by
an including an entirely separate project over which he had no
control.
Sorry, I just don't want you to have an false hopes.

Regards, Myoarin   (ex-banker and credit analyst)
Subject: Re: Boutique firm
From: myoarin-ga on 22 May 2006 08:25 PDT
 
Hi Shoaib,
I will be very happy to be entirely wrong, when I hear that you have
actually had the loan approved.  For the present, I can only wish you
success.
Regards, Myoarin
Subject: Re: Boutique firm
From: shoaib-ga on 22 May 2006 16:31 PDT
 
Myoarin-ga commenter please note that because you have particular
interest for posting comments for my posted questions so therefore  if
possible for you then please provide a comment about my question
posted in the Question ID: 726495 for its answer ?? Myoarin-ga
commenter I am looking forward to hearing from you for that and best
regards from Shoaib.
Subject: Re: Boutique firm
From: myoarin-ga on 22 May 2006 17:19 PDT
 
Shoaib,
See my comment on question 726495.  I am afraid that you will not find it helpful.
I misspelled Yorker-ga's name there.  I suggest you read again his
above comment here.

Regards, Myoarin
Subject: Re: Boutique firm
From: shoaib-ga on 23 May 2006 11:59 PDT
 
Myoarin-ga commenter if possible for you please also provide to me the
"number and names of website addresses" only in my another posted 
Question ID: 729384 for its answer and thanks for that help from
Shoaib and I am looking forward to hearing from you.
Subject: Re: Boutique firm
From: shoaib-ga on 25 May 2006 11:44 PDT
 
Myoarin-ga commenter please note that you have repeatedly said in my
various previous question ID that no international loan brokerage
company in the world arranges loan and finance for free so therefore I
want to CLARIFY your above statement. Myoarin-ga commenter please note
that First Boker Financial LLC worldwide loan and finance refferal
organization is the leading international loan and finance brokerage
organization in the world and  it has received US$  900  Billion  of
funding requests in four years from all over the world and please note
that international loan brokers and international loan consultants or
any other professionals  of it  Does  NOT charge any retainer fees or
application fees or commitment fees or closing fees or any other fees
from the borrower and  its  international loan brokers or 
international loan consultants or any other professionals  are paid 
entirely  from the "lending side"  for arranging loan and finance for
projects worldwide   as it is written in its following webite address 
of http://www.firstbroker.net/index.php/module/Site/action/Page/load/TOC
     and that  First Boker Financial LLC worldwide loan and finance
refferal organization is also  paid  its 1% brokerage commission 
entirely  from the "lending side"  and  I  also want to mention that
the international loan brokers and international loan consultants or
any other professionals of First Broker Finncial LLC worldwide loan
and finance refferal organization are located throghout the world so
therefore  Myoarin-ga commenter it means that there are "many"  
international loan brokers and international loan consultants or any
other professionals  AND  "many" international loan and finance
brokerage companies in the world which does NOT charge any type of
fees from the borrower and those brokerage companies can arrange loan
and finance to pay for all of the projects costs by accepting either
"executive summary  OR  business  plan"  for projects worldwide 
without personal guarantees and without any cost to the borrower so
therefore Myoarin-ga commenter if posible for you then please provide
"clarification" of my above mentioned statement and thanks and best
regards from Shoaib and I am looking forward to hearing from you.
Subject: Re: Boutique firm
From: myoarin-ga on 25 May 2006 14:06 PDT
 
Shoaib,
It sure seems like you have found a site that does include all
brokerage and commission charges in the funding by the lender. 
Congratulations!

Good luck with your project, Myoarin
Subject: Re: Boutique firm
From: shoaib-ga on 26 May 2006 16:49 PDT
 
Myoarin-ga commenter please provide accurate answer of my comment
posted in the Question ID: 729384 for its answer and this is my
"special request" to you for its answer and Myoarin-ga commenter I am
looking forward to hearing from you and thanks for that help and best
regards from Shoaib.
Subject: Re: Boutique firm
From: yorker-ga on 11 Jun 2006 01:41 PDT
 
Hi folks, sorry I've been away for a bit and missed all those comments
back and forth [grin]. Shoaib, I must say that I marvel at your
persistence and am extremely impressed with your 'won't take no'
approach. Myoarin (and especially the diplomatic Denco!) I continue to
be amazed at everyone's restraint and benevolence.

OK, let me take one last attempt at this:

Shoaib, we all understand what you are looking for and hope to get,
but what everyone keeps telling you is, unfortunately, the truth: it
just does NOT exist, or at least not in any way that will ever work
for you. You can continue to spend the next year looking for someone
who will loan you 100% of the money you want, at no cost, and
regardless of your experience, but people like that simply DO NOT
EXIST.

I told you before that all of those 'brokers' are simply tricksters
who are out to get your money. Let me change that slightly, to the
following: anyone or any web site you find who tells you that they can
get you the financing you need is one of the following:

(1) a bad person out to trick you and take your money up front; or
(2) someone who won't do any work, but will happily take a commission
if someone DOES fund you; or
(3) someone who is not necessarily mentally sound

The latest site you pointed us to (First Broker Financial) is actually
BOTH 2 AND 3. If you read their site carefully, you will see that all
they are doing is putting up a web site and hoping that people like
you will submit projects, and then other financial brokers will come
along looking for deals and decide to bring your project to someone
who has money.  Despite all the fancy-sounding words (a lot of which
don't actually make sense), the ONLY thing that First Broker Financial
is doing is making sure that the first everyone does is sign a
contract agreeing that FBF gets 25% of any commissions that anyone
pays.

The bottom line, therefore, is that you can certainly go ahead and
apply through them, but nothing will happen after that, because (a) if
there were any brokers involved, they simply wouldn't fund you, but
more importantly, (b) there likely ARE NO serious brokers who come to
that site! Why do I say that?

Well, this brings us to category #3: instead of being, as you
described it, "the leading international loan and finance brokerage
organization in the world", First Broker Financial is simply one of
several strange little web sites created by a part-time Utah tennis
instructor named Richard Wigley! The other sites he runs include (a) a
similar site that claims to be a worldwide commodity broker; (b) the
site for his tennis coaching company; (c) a 'media services' company
that claims to create websites and do marketing; and (d) a truly
bizarre, New Age web site called "Perisanna" that is filled with some
of the most incomprehensible gobbledygook [that's an English slang
term meaning "confusing garbage"] that I have ever seen. He also
writes a few different blogs on strange, New Age, semi-religious
topics that are also pretty weird.

My guess is that he doesn't have one, single broker signed up on his
system, but that he gets hundreds of sincere people like you
submitting plans because they believe everything on his website. None
of them, I am sure, have ever gotten funded, but that's probably a
good thing. Why? Because in the United States anyone who wants to act
as a broker in the way that this guy is, MUST, by law, register with
the United States Securities and Exchange Commission as an official
"Broker Dealer". And I think it is pretty safe to say that Mr. Wigley
has not.

So, before you go and point me to even more pages on the website which
"prove" that they can do all the things they're claiming, let me
suggest a simple test:

Send an email to First Broker Financial and ask for the following:

1) Proof that they are an SEC-registered Broker/Dealer
2) References from five "principals" like yourself for whom they have
successfully found funding
3) A letter from ANY reputable source (like a government agency or
even the local Better Business Bureau) confirming that they are a
legitimate business.

I will frankly be surprised if they can do any of the above, let alone all three.

Now, having disposed of First Financial, let me again compliment you
on your tenacity, and strongly, STRONGLY suggest that you get a copy
of the book I suggested before: "Investors in Your Back Yard", which
can be found at this link on Amazon:
http://www.amazon.com/gp/product/1413304206/103-8335890-7167838?v=glance&n=283155

The book is a good introduction to how funds REALLY get raised, but
the answer, which you are not going to want to hear, is that that you
will eventually realize that myoarin, denco and yorker are all
correct, and you are just NOT going to find financing over the
Internet.

I honestly wish (as, I'm sure, do the others) that we could be
positive and agree with you. But the reality is that you will really,
really be better off (and much less frustrated!) if you just start
DOING something on your own, no matter how small it is, instead of
fruitlessly chasing "free" money for a grand plan...because, as much
as we would all like it...there just is no such thing [sigh].
Subject: Re: Boutique firm
From: myoarin-ga on 11 Jun 2006 02:51 PDT
 
Very well spoken, Yorker.  I agree entirely and am glad that you have
provided some deeper understanding of the subject.  My compliments to
Denco for his/her "good citizen" efforts.
Regards, Myoarin
Subject: Re: Boutique firm
From: denco-ga on 11 Jun 2006 11:25 PDT
 
Thanks for the 5 star rating and tip, Shoaib.

Looking Forward, denco-ga - Google Answers Researcher
Subject: Re: Boutique firm
From: shoaib-ga on 07 Jul 2006 07:04 PDT
 
Yorker commenter and Myoarin commenter in response to your latest
comments please read my information in my latest clarification above 
about Capital Management Group worldwide loan and finance brokerage
organization  and both of you would find all of the answers of your
questions  in my above clarification and in response to the
information posted by the Yorker commenter about the legal or illegal 
status of First Broker Financial  LLC worldwide loan and finance
brokerage organization Yorker commenter  please "contact" either
"international  police or police of United States of America country"
to check the legal or illegal status of that First Broker Financial 
LLC worldwide loan and finance brokerage organization and after
receiving the "investigation report or information" from police about
above mentioned purpose  then please inform to me about that report or
information and in this way the above mentioned query about legal or
illegal status of that  First Broker Financial  LLC worldwide loan and
finance brokerage organization would  be  "solved" and I am looking
forward to hearing from Yorker comenter for that purpose and regards
from Shoaib.
Subject: Re: Boutique firm
From: myoarin-ga on 07 Jul 2006 09:45 PDT
 
Greetings Shoaib,
To start, First Broker Financial does not yet have to have broken the
law to be a questionable website.

Now to the new website that you have mentioned: Capital Management
Group, CM-group.com.
This website was established on 9 February 2006, will expire on 9
February 2007, and it as all contacts in Tanzania, Africa.
http://who.securepaynet.net/whois.aspx?domain=CM-GROUP.NET&prog_id=shost

Registrant:
Respicius Tibazarwa

Mikocheni
Dar es Salaam 32462
Tanzania

Registered through: Superior Host International
Domain Name: CM-GROUP.NET
Created on: 09-Feb-06
Expires on: 09-Feb-07
Last Updated on: 09-Feb-06

Administrative Contact:
Tibazarwa, Respicius tibaz@raha.com
Mikocheni
Dar es Salaam 32462
Tanzania
255744310076

Technical Contact:
Tibazarwa, Respicius tibaz@raha.com
Mikocheni
Dar es Salaam 32462
Tanzania
255744310076

Domain servers in listed order:
PARK3.SECURESERVER.NET
PARK4.SECURESERVER.NET

There apparently is a "Capital Management Group" in Anaheim, CA, as
this site shows:
http://maps.google.com/maps?oi=map&q=934+S+Flintridgeway,+Anaheim,+CA

But, surprisingly, when you click on it, it only shows a link to a
different website: cashadvance101.com

If it were the same outfit as cm-group.com, it would certainly have
shown that website.
cm-group.com's website looks funny.  All the graphics look like they
have been scanned in, that is "borrowed" from somewhere else. Also,
the press release dates for 2004, and even more suspicious, the
"Management Update" is from June 2002.
You mention that you knew of this Capital Management Group before the
website cm-group.com was established, and also speak of its "worldwide
loan and
finance brokerage organization".  I didn't find "worldwide" on the
site, but may have missed it.  And you repeat the phrase just quoted. 
Are we talking about the same outfit:  cm-group.com?  Or has that "CMG
..." now disappeared?
That would suggest that it was not very successful, at least as an
ongoing concern.  I have to recall Yorker's comments about financial
brokers.

I certainly wouldn't deal with an outfit registered in Tanzania.  I
also have to suspect that cm-group.com would insist on providing a
business plan or needs analysis, and from the way it looks, would ask
for payment in advance.

I am sorry that I cannot support your impression that this site could
find you a loan.

Regards, Myoarin
Subject: Re: Boutique firm
From: shoaib-ga on 08 Jul 2006 09:31 PDT
 
Myoarin commenter you have stated above that CMG worldwide loan and
finance brokerage company is not very successful so therefore please
note that few years before when I was regularly reviewing the website
of that CMG company please note that it was offering  loan and
financing for only "few products" but now that CMG company is offering
loan and financing services for "all types of industries across the
globe" and it is/was stated in its website that "whatever is the need
of borrower  CMG  can assist you" so therefore that sentence and above
statement indicates that NOW  CMG has become  highly successful
compared to its performance previously.  Myoarin commenter personally
speaking you should now straight forwardly accept your defeat because
I have now become successful for that mentioned purpose and best
regards from Shoaib and I am looking forward to hearing from you for
that.
Subject: Re: Boutique firm
From: myoarin-ga on 08 Jul 2006 15:38 PDT
 
Shoaib,
Mybe we are not talking about the same website.
Sure, I will admit defeat.
I wish you success with getting a loan.
Myoarin

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