I want to know that what is "unsecured loan or financing for start-up
business funding" and I also want to know that above mentioned
unsecured loan or financing can be provided according to the following
conditions : No collateral,no income, no fees and no credit history ??

Howdy Shoaib,

Here is the definition of an "unsecured loan" by Investopedia, along with an
additional comment on the subject they have made on their website.
http://www.investopedia.com/terms/u/unsecuredloan.asp

"A loan that is issued and supported only by the borrower's creditworthiness,
rather than by some sort of collateral.  

Generally, a borrower must have a high credit rating to receive an
unsecured loan. Commercial paper is an example of an unsecured loan."

So, by definition, one does not need collateral in order to get an unsecured
loan.  But, also by definition, a lender of an insecured loan will require a
credit check, hence not only a credit history, but a great credit history.

With a great credit history, a lender will expect a source of income.

Fees, as well, are generally collected at some point of the process.

If you need any clarification, please feel free to ask.


Search strategy:

Google search on: "unsecured loan"
://www.google.com/search?q=%22unsecured+loan%22

Looking Forward, denco-ga - Google Answers Reseaercher

---

Request for Answer Clarification by shoaib-ga on 04 Aug 2006 05:22 PDT

Denco researcher in response to your above mentioned answer please
note that premier business  funding company or
  
http://www.premierbusinessfunding.com/html/faq.html

provides working capital or  unsecured personal or business loan for
commercial  investment  according to the following conditions : No
fees, No collateral, No credit history(including bad credit history or
even if credit history is not available) but Premier business funding
company does requires that borrower should have atleast "two months"
of business to qualify for above mentioned working capital or 
unsecured personal or business loan for commercial  investment  and
please note that Premier business funding company  simply purchases
the "future  cash  receivables" of that business for "repayment" of 
its above mentioned working capital or  unsecured personal or business
loan so therefore Denco researcher it means that borrower can get or
receive the  working capital or  unsecured personal or business loan
according to the following conditions : No fees, No collateral, No
credit history or even bad credit history.

Special Note: Please specially note that Premier business funding
company does  "not"  provides  working capital or  unsecured personal
or business loan  for  "start-up  business  funding" and therefore
Premier business funding company requires that borrower should have
atleast 'two  months' of his business so as to qualify for above
mentioned    working capital or  unsecured personal or business loan
for commercial investment. Denco researcher please note that there are
certain companies which lend    working capital or  unsecured personal
or business loan for "start-up business business funding" and please
note that start-up business funding means that borrower would have to
START-UP ANY BUSINESS and therefore it means that borrower does  'NOT'
 have any present income from his business  but that borrower would
receive "future income" from his business after the start of his
future business but please note that lending   working capital or 
unsecured personal or business loan for any start-up business 
involves  'risk'  in any business  and therefore lending working
capital or  unsecured personal or business loan for any start-up
business depends on the "demonstration of excellent business plan of
the borrower" for his business  so that lenders of working capital or 
unsecured personal or business loan should be 'convinced' that
borrower can  REPAY  working capital or  unsecured personal or
business loan from his any start-up business for commercial 
investment ?? Denco researcher I am looking forward to hearing from
you for response of my above  clarification and thanks and best
regards from Shoaib for above purpose.

---

Request for Answer Clarification by shoaib-ga on 04 Aug 2006 05:31 PDT

Denco researcher so therefore it means borrower can get working
capital or  unsecured personal or business loan for any of his
"start-up business"  according to the following conditions : No fees,
No collateral, No credit history or even bad credit history and No
income. Denco researcher I am looking forward to hearing from you for
my above mentioned responses and thanks and best regards from Shoaib
for that.

---

Request for Answer Clarification by shoaib-ga on 04 Aug 2006 05:45 PDT

Denco researcher please note that in the above mentioned website
address of Premier business Funding company it is also written that :

Do you have a question that was not covered in the FAQ?s about funding? 

Please call and have our courteous staff assist you with your financial needs.

Interested in finding out how PBF can help your business?

Please note that above mentioned statement means that Premier business
funding company would also consider lending working capital or
unsecured personal or business loan for even "start-up business
funding" even without any present income of the business of the
borrower  but in this case the borrower would have to show
"demonstration of excellent business plan of his business" so that
Premier busines funding company should be convinced that borrower can
'repay' the  working capital or unsecured personal or business loan
from his start-up business for commercial investment ?? Denco
researcher I am looking forward to hearing from you for my above
mentioned responses and best regards from Shoaib.

---

Clarification of Answer by denco-ga on 04 Aug 2006 10:15 PDT

Howdy Shoaib,

First, Premier Business Funding does not provide unsecured loans, so the
definition and explanation that I provided are not applicable.
http://www.premierbusinessfunding.com/index.html

"Simply put, we purchase your restaurant?s or businesses future receivables.
The business capital you need is not a loan, nor does it require a difficult
approval process.  It is simply a business cash advance against your future
sales, and as such, is not reported to credit bureaus."

There is also this, from their Frequently Asked Questions (FAQ) page.
http://www.premierbusinessfunding.com/html/faq.html

"Do I have to pledge any business assets or personal assets as collateral?

No, The Premier Business Funding product is not a loan.  Therefore, no
callateral [sic] or personal assets are required."

Even though it is has been determined that the Premier Business Funding aite
or process has nothing to do with your original question on unsecured loans,
and thus this should have been placed within another question, I will address
your other points.  These are from the FAQ page as well, and Myoarin points
out some of these same points below.
http://www.premierbusinessfunding.com/html/faq.html

"My personal credit is not the best.  Can I still qualify for funding from
Premier Financial Solutions?

Yes. While personal credit does play a small part in the overall approval
process ..."

This means they do a credit check and there has to be a credit history.

"What are the main requirements to be eligible for funding?

Accept credit cards as a form of payment for customers.  If you are not
currently accepting them, we can assist you in setting up that valuable
payment option.

- Process at least $3,000 per month in credit card sales

- Be in business at least 2 months"

This means you have to have legitimate business already in place, or start
one up, then get that business to where it is doing at least $3,000 in
business on a monthly basis.  In other words, there must be income.

Also keep in mind that it will take far more than $3,000 in monthly income
before Premier Business Funding would provide $250,000.

And even though the Premier Business Funding website states: "Please call
and have our courteous staff assist you with your financial needs." this
does not mean someone can call them and get a different form of financing.

Premier Business Funding wouldn't care if someone has the world's best
business plan, because they are not in the business of funding the start-up
of a business.

Just because a company sells cows for cash, doesn't mean you can call them
and buy a goat from them in exchange for lettuce.

Bottom line is that I disagree completely with your analysis of the Premier
Business Funding website.

Looking Forward, denco-ga - Google Answers Researcher

---

Request for Answer Clarification by shoaib-ga on 04 Aug 2006 12:00 PDT

Denco researcher in response to your above mentioned clarification
please note that information about unsecured/signature business or
personal loan has been provided at the following website address of  
http://www.anycredithistory.com/ and please note that lenders of
unsecured/signature business or personal loan in the above mentioned
website address  can lend  unsecured/signature business or personal
loan according to the following conditions : No collateral, No credit
history or even bad credit history and No fees.

Denco researcher I  also want to know that lenders of the above
mentioned website address can also lend unsecured/signature business
or personal loan for "start-up business funding without any present
income of the business of the borrower"  so therefore  please first
consider my above mentioned clarification for its answer and thanks
and best regards from Shoaib for that help. Denco researcher I am sure
that Myoarin commenter would immediately accept my above mentioned
clarification.

---

Request for Answer Clarification by shoaib-ga on 04 Aug 2006 12:40 PDT

Denco researcher I also want to mention that yes the definition you
have provided above is about unsecured unsecured personal or business
loan but your above mentioned definition about unsecured unsecured
personal or business loan is not about "start-up business funding" so
therefore please also provide definition about unsecured personal or
business loan about start-up business funding and thanks and best
regards from Shoaib for that help.

---

Clarification of Answer by denco-ga on 04 Aug 2006 15:15 PDT

Howdy Shoaib,

Please note that you stated that this question would be "very simple and
that question does not requires excessive clarifications."

Questions about AnyCreditHistory.com would be outside the scope of your
original question, as they at least require a fee.
http://www.anycredithistory.com/payment.htm

"Special Seasonal Price: Only $12.99"

Also note the "fine print" on the page above.

"Sometimes you will not get the loan and we have no control over that.
...
The potential lenders, will want to know more about you and your situation.
They may decide not to offer you a loan. They may or may not pull a credit
report.
...
Note: our guarantee is for regular pricing only and does not apply for
special prices during sale or discount periods."

As for an unsecured loan, it doesn't matter if it is for business start-up
or other purposes, except it might be harder to qualify for such a loan,
as there would generally be little or no credit history.

Looking Forward, denco-ga - Google Answers Researcher

---

Request for Answer Clarification by shoaib-ga on 05 Aug 2006 06:56 PDT

Denco researcher please note that if required I shall pay you extra
money in the form of tip to you so therefore Denco researcher please
note that you have indicated above "As for an unsecured loan, it
doesn't matter if it is for business start-up or other purposes,
except it might be harder to qualify for such a loan, as there would
generally be little or no credit history", so therefore Denco
researcher I want to know that lenders of
http://www.anycredithistory.com/ can provide unsecured/signature
personal or business loan for "start-up business funding" according to
the following  conditions : No collateral, No credit history or even
bad credit history, No fees and No income ??  Denco researcher great
thanks for your above mentioned help and best regards from Shoaib.

---

Clarification of Answer by denco-ga on 05 Aug 2006 12:13 PDT

Howdy Shoaib,

No, from what I have read on their website, I do not believe that the lenders
of AnyCreditHistory.com can provide a unsecured/signature personal or business
loan for start-up business funding under the terms you have stated.

As pointed out before, they have fees.  As Myoarin has pointed out, and I will
here again point out, even though the website tries to suggest otherwise, it
is certain that the lender will want a credit report.
http://www.anycredithistory.com/

"We never pull a credit report, although we suggest you obtain an updated
report which you can fax or mail to lenders because they are going to want to
see it."

I will emphasize: "... because they are going to want to see it."

Note that it does NOT say "MIGHT WANT TO SEE IT" but says "ARE GOING TO WANT
TO SEE IT."

Looking Forward, denco-ga - Google Answers Researcher

---

Request for Answer Clarification by shoaib-ga on 06 Aug 2006 05:34 PDT

Denco researcher in response to your above mentioned answer please
note that in the above mentioned website address of
http://www.anycredithistory.com/ it is written that :

3. Do you have bad credit history, or no credit history?

If so, we can help!

Click Here 
to continue

so therefore it means that lenders of unsecured/signature personal or
business loan in that website address can provide unsecured/signature
personal or business loan with the following condition of 'No credit
history or even bad credit history',

AND 

 it is also written in the above website address that : 

"If you are not sure whether you can be approved by low cost lender,
it's free to apply online click here" and then by clicking at that
link the following website appears :
http://www.ez-personalloans.com/?any  and in that website address it
is written that : unsecured/signature personal or business loan can be
offered according to the following conditions :

 No Obligation 

No Prepayment Penalty  

It's Free to Apply Online Now 

so therefore it means that lenders of unsecured/signature personal or
business loan in that website address can provide unsecured/signature
personal or business loan with the following condition of 'No fees',

AND 

 it is also written in that website address of
http://www.anycredithistory.com/payment.htm :

 Q. I have had bankruptcy, can you help?
A. Most of our customers have bad credit or impaired credit so we
associate with companies who can approve our typical applicant....they
see bankruptcy frequently.

Denco researcher please note that bankrupt business of borrower means
that : borrower or his bankrupt business has  "no income or no
cash/money  available  to pay for anything" so therefore in this
situation if that bankrupt business or that bankrupt borrower applies
for unsecured/signature personal or business loan for start-up
business funding then in this situation that bankrupt business or that
 bankrupt borrower would have to apply for unsecured/signature
personal or business loan for start-up business funding  according to
the following condition :  No income.

So therefore ALL of the above mentioned information indicates that
either lenders of http://www.anycredithistory.com/ or lenders of  any
other companies can provide  unsecured/signature personal or business 
loan for "even start-up business funding" according to the following
conditions : No collateral, No credit history or even bad credit
history, No fees  and No income.

Denco researcher I hope I have clarified all of the above mentioned
information and  if possible for you then please provide clarification
of my above mentioned answer and thanks and best regards from Shoaib.

---

Clarification of Answer by denco-ga on 06 Aug 2006 11:53 PDT

Howdy Shoaib,

Please note that you stated that this question would be "very simple and that
question does not requires excessive clarifications."

I don't know how to make this any clearer.  I will here again point out, even
though the website tries to suggest otherwise, it is certain that the lender
will want a credit report.
http://www.anycredithistory.com/

"We never pull a credit report, although we suggest you obtain an updated
report which you can fax or mail to lenders because they are going to want to
see it."

I will emphasize: "... because they are going to want to see it."

Note that it does NOT say "MIGHT WANT TO SEE IT" but says "ARE GOING TO WANT
TO SEE IT."

The website of EGM Services, Inc.(http://www.ez-personalloans.com/) is NOT
the website of AnyCreditHistory.com, so that is entirely beyond the scope of
the original question, thus I will not comment on it.

AnyCreditHistory.com, which was beyond the scope of the original question as
well, has a fee.

Bankrupt does not mean someone does not have an income.  The vast majority of
people that have gone through bankruptcy go to work everyday and make money.

Looking Forward, denco-ga - Google Answers Researcher

---

Request for Answer Clarification by shoaib-ga on 07 Aug 2006 06:45 PDT

Denco researcher please note that I have posted a new Question ID:
753381 in which I need information about the haunted houses and please
note the price of that question ID is  US$ 7 so therefore Denco
researcher if possible for you  then please provide the answer of that
simple question ID and thanks and best regards from Shoaib.

---

Request for Answer Clarification by shoaib-ga on 07 Aug 2006 06:52 PDT

Denco researcher please note that I have posted a new Question ID:
753384 in which I need information about 'Sugar' in the body of person
and please
note the price of that question ID is  US$ 7 so therefore Denco
researcher if possible for you  then please provide the answer of that
simple question ID and thanks and best regards from Shoaib.

---

Request for Answer Clarification by shoaib-ga on 07 Aug 2006 07:02 PDT

Denco researcher please note that I have paid you extra money in this
question ID  because I had promised with you for that payment. Denco
researcher OK I am satisfied with your answer above but please provide
to me the "difference" between "unsecured/signature personal or
business loan for existing business AND unsecured/signature personal
or business loan for start-up business" ?? Denco researcher thanks for
your above help and best regards from Shoaib.

---

Clarification of Answer by denco-ga on 07 Aug 2006 11:16 PDT

Howdy Shoaib,

There isn't any real difference between an unsecured/signature personal or
business loan for an existing business or an unsecured/signature personal
or business loan for a start-up business, other than an unsecured/signature
personal or business loan for a start-up business might require more
documentation, that is, paperwork, such as an extensive business plan, and/or
source of income and/or credit reports and/or better credit records, etc.

Looking Forward, denco-ga - Google Answers Researcher

---

Request for Answer Clarification by shoaib-ga on 08 Aug 2006 14:51 PDT

Denco researcher I need a little more clarfication from you. Denco
researcher please note that I agree with you that majority of bankrupt
buinesses have some income or some cash/money avalable but please 
note that it is also 'POSSIBLE' that any bankrupt business or bankrupt
borrower has NO INCOME OR NO CASH/MONEY  available and if that happens
then that bankrupt business or bankrupt borrower would have to apply
for unsecured/signature personal or business loan for any of its
start-up business  according to the following condition : No income 
because that bankrupt business or bankrupt borrower has no other
option available so therefore Denco reearcher please provide
claification of my above mentioned statement ??  Denco researcher
thanks for your above mentioned help.

---

Request for Answer Clarification by shoaib-ga on 08 Aug 2006 15:00 PDT

Denco researcher I also want to know  that  lenders  of
unsecured/signature personal or business loan of  the 
www.anycredithistory.com website can provide  unsecured/signature
personal or business loan  to the borrower    according to the
following condition :  No fees  "besides" the  payment of the borrower
for the  one month  membership  fees of  US$  13 of  
www.anycredithistory.com  website  ??  Denco researcher thanks for
that help.

---

Request for Answer Clarification by shoaib-ga on 08 Aug 2006 15:02 PDT

Denco researcher please note that I have posted a new Question ID:
753381 in which I need information about the haunted houses and please
note the price of that question ID is  US$ 7 and  if you need more
money for its answer then I shall increase its price  so therefore
Denco
researcher if possible for you  then please provide the answer of that
simple question ID and thanks and best regards from Shoaib.

---

Request for Answer Clarification by shoaib-ga on 08 Aug 2006 15:04 PDT

Denco researcher please note that I have posted a new Question ID:
753384 in which I need information about 'Sugar' in the body of person
and please note the price of that question ID is  US$ 7 and if you
need more money for its answer then I shall increase its price  so
therefore Denco
researcher if possible for you  then please provide the answer of that
simple question ID and thanks and best regards from Shoaib.

---

Clarification of Answer by denco-ga on 08 Aug 2006 16:29 PDT

Howdy Shoaib,

Please note that you stated that this question would be "very simple and
that [this] question does not requires excessive clarifications."

If someone or a company has no income then that would have to be the terms
that they would use when applying for a loan.  Applying under those terms,
however, would make it an almost certainty that the applicant would not get
a loan.

To analyze the lenders that might be associated with AnyCreditHistory.com
is beyond the scope of your original question, and as Myoarin quite rightly
points out, would require the payment of the fee for me to undertake.

Looking Forward, denco-ga - Google Answers Researcher

---

Request for Answer Clarification by shoaib-ga on 09 Aug 2006 13:19 PDT

Denco researcher please note that I have posted a new Question ID:
753381 in which I need information about the haunted houses and please
note that I have increased the price of that question ID to US$ 10 so therefore
Denco researcher if possible for you  then please provide the answer of that
simple question ID and thanks and best regards from Shoaib.

---

Request for Answer Clarification by shoaib-ga on 09 Aug 2006 13:24 PDT

Denco researcher please note that I have posted a new Question ID:
753384 in which I need information about 'Sugar' in the body of person
and please note that I have increased the  price of that question ID
to US$ 10 so therefore Denco researcher if possible for you  then
please provide the answer of that simple question ID and thanks and
best regards from Shoaib.

---

Clarification of Answer by denco-ga on 10 Aug 2006 12:42 PDT

Howdy Shoaib,

I have posted a request for clarification in Question ID: 753381
http://answers.google.com/answers/threadview?id=753381

Looking Forward, denco-ga - Google Answers Researcher

---

Request for Answer Clarification by shoaib-ga on 12 Aug 2006 09:55 PDT

Denco researcher please note that you were trying to answer  my
another question ID about haunted  houses but you have still  "not" 
provided its answer so therefore please "confirm" this situation and
thanks for that help and best regards from Shoaib Sarfraz

---

Clarification of Answer by denco-ga on 12 Aug 2006 22:04 PDT

Howdy Shoaib,

You are correct in that I have not answered Question ID: 753381
http://answers.google.com/answers/threadview?id=753381

Looking Forward, denco-ga - Google Answers Researcher

---

Request for Answer Clarification by shoaib-ga on 13 Aug 2006 08:24 PDT

Denco researcher I want to know that "why" you have not provided the
answer of that question ID about haunted  Houses and if possible for
you then please provide its answer and thanks and best regards from
Shoaib ??

---

Request for Answer Clarification by shoaib-ga on 14 Aug 2006 09:05 PDT

Denco researcher please take a little of your time and please note
that I have located another  very important lending organization
providing unsecured/signature personal or business loans for any of
the start-up business of the borrower according to the following
conditions : No collateral, Bad credit history or even no credit
hitory, No fees and No income at its follwing website address :

 http://www.americaoneunsecured.com/loans/StartupLoan.aspx

and additional  benefits of the above mentioned unsecured/signature
personal  or business loan for start-up business can be reviewed at
its following webpage  address of :

http://www.americaoneunsecured.com/loans/loanbenefits.aspx

so therefore  Denco researcher it means that it has been 'CONFIRMED'
that any borrower can get unsecured/signature personal or business
loans for any of his start-up business according to the following
conditions : No collateral, Bad credit history or even no credit
hitory, No fees and No income. Denco researcher please provide
"response or answer" of my above mentioned statement and thanks and
best regards from Shoaib. Denco researcher I am sure Myoarin commenter
would now immediately accept his defeat after reading my above
mentioned statement.

---

Clarification of Answer by denco-ga on 14 Aug 2006 13:49 PDT

Howdy Shoaib,

Please note that you stated that this question would be "very simple and
that [this] question does not requires excessive clarifications."

I disagree with your assessment.

No credit history or even bad credit history means no amount is approved.
http://www.americaoneunsecured.com/loans/StartupLoan.aspx

"Approval amounts and interest rates are based on personal credit history."

There are fees.
http://www.americaoneunsecured.com/loans/loanbenefits.aspx

"We support this philosophy by providing our service on a contingency basis;
meaning our consulting fee is only payable if your loan request is approved
and funded."

Looking Forward, denco-ga - Google Answers Researcher

---

Request for Answer Clarification by shoaib-ga on 14 Aug 2006 18:11 PDT

Denco researcher please click the link stating "prequalify now" in the
above website address and then you would see its form at its below
mentioned website address :

https://www.financial-securesite.com/AmericaOneUnsecured/LoanApp1.aspx?LT=S&AID=59871&ID=

and at its form in above mentioned webpage address there is one bar 
stating "select your credit history" and if you click that bar you can
select its link stating "bad credit history" so therefore it means
that above mentioned lending organization can provide unsecured
personal or business loan to the borrower which have bad credit
history or no credit history ??

Denco researcher please note that this lending organization charges
its fees 'only' after the unsecured personal or business loan for the
start-up business  is "approved' for the borrower so therefore it
means that the borrower can ALSO pay for the cost of its fees by
TAKING  the unsecured personal or business loan from the above
mentioned lending organization because unsecured/signature personal or
business loan can be used for "any purpose" so therefore Denco
researcher please provide 'clarification' of my above mentioned
statement and thanks and best regards from Shoaib for that purpose.

---

Clarification of Answer by denco-ga on 14 Aug 2006 20:53 PDT

Howdy Shoaib,

Please note that you stated that this question would be "very simple and
that [this] question does not requires excessive clarifications."

On the "Unsecured Loan Application" page, it does not state the same things
that you state.
https://www.financial-securesite.com/AmericaOneUnsecured/LoanApp1.aspx

It asks for a "Personal Credit Rating" and the "lowest" choice is "POOR"
and not "BAD" or "NONE." These are two very different things, as shown on
the site's "Frequently Asked Questions" (FAQ) page.
http://www.americaoneunsecured.com/loans/faqs.aspx

"How much unsecured money can I borrow?

If you are an individual or start-up business, you may be able to borrow
between $10,000 and $150,000. If you are a business owner with two or more
years in operation, you may be able to borrow between $15,000 and $250,000.
The amount will vary based upon a number of credit attributes.
...
When I pre-qualify, am I guaranteed financing? No.

When we provide you a pre-qualification notice, it simply means that you
have met the minimum credit qualifications required to proceed. You may
barely meet these credit requirements, or you may greatly exceed them. Each
credit situation is different. We only pre-qualify clients that have a better
than likely chance of receiving funding, since our efforts are free until we
successfully help you secure funds.
...
I have a few credit problems, but nothing recent. Can I still apply?

If you have not had a bankruptcy in the last 10 years or any unpaid
collections, charge-offs, tax liens, repossessions, or serious late payments
in the last 7 years, you can apply. Please understand that you still may not
pre-qualify, and even if you do pre-qualify, you may not be eligible for your
maximum stated loan amount."

Let me point out some highlights from the above:

- "The amount will vary based upon a number of credit attributes."
- "We only pre-qualify clients that have a better than likely chance of
receiving funding ..."
- "Please understand that you still may not pre-qualify, and even if you do
pre-qualify, you may not be eligible for your maximum stated loan amount."

All of the above means that you have bad, and especially no credit, you will
not be prequalified, which means no loan.

The best test of my above statement would be for you to apply for a loan
through the above company.

Looking Forward, denco-ga - Google Answers Researcher

---

Request for Answer Clarification by shoaib-ga on 15 Aug 2006 08:12 PDT

When I pre-qualify, am I guaranteed financing? No.

When we provide you a pre-qualification notice, it simply means that you
have met the minimum credit qualifications required to proceed. You may
barely meet these credit requirements, or you may greatly exceed them. Each
credit situation is different. We only pre-qualify clients that have a better
than likely chance of receiving funding, since our efforts are free until we
successfully help you secure funds.

Denco researcher please note that following sentence is written above
: "You "may barely" meet these credit requirements", it means that if
the borrower has "lowest or bad credit history(lowest means poor or
bad)" even then the borrower can apply for unsecured personal or
business loan to the above mentioned lending organization AND Denco
researcher please also note that "may" word written in the above
mentioned sentence also means that if the borrower does 'not' has any
credit history available even then borrower can also apply for the
unsecured personal or business loan for any of his start-up business
according to the following condition : 'No credit history' because if
the minimum credit history was necessary to qualify for the above
mentioned unseured personal or business loan then following sentence
would have been written above  "borrower "must" have minimum credit
score and if the borrower does not have minimum credit score then we
cannot help you" so therefore it means that above mentioned lending
organization can arrange unsecured personal or business loan according
to the following condition : Bad or poor(poor means bad) credit
history or no credit history so therefore please provide clarification
of my above mentioned statement and thanks and best regards from
Shoaib for that help. Note : Denco researcher I also want to know that
what do you say about my statement above for paying of the fees in the
above mentioned way to that lending organization ?? Thanks for that
help from Shoaib.

---

Request for Answer Clarification by shoaib-ga on 15 Aug 2006 08:20 PDT

Denco researcher I also want to mention that "FINAL  APPROVAL" for the
above mentioned unsecured personal or business loan from the above
mentioned lending organization for any of the start-up business of the
borrower would be "dependant" on the "great future business potential"
of the start-up business so as to "repay" the above mentioned
unsecured personal or business loan for commercial  investment.
Regards from Shoaib.

---

Request for Answer Clarification by shoaib-ga on 15 Aug 2006 08:30 PDT

Denco researcher I also want to mention very important thing that
unsecured personal or business loan provided to any of the start-up
business of the borrower ALSO  MEANS  that borrower "might  not" have
any credit history available because that borrower is starting his
business and therefore it is "possible" that borrower might be
starting his business for the "first time" so therefore it is possible
 that borrower might not have any credit history available for any of
his start-up business so therefore unsecured personal or business loan
can be provided to the borrower for any of his start-up business
according to th following condition : No credit history. Denco
researcher please provide clarification of my above statement and
thanks and best regards from Shoaib.

---

Request for Answer Clarification by shoaib-ga on 15 Aug 2006 08:39 PDT

Denco researcher please note that I have placed another Question ID:
756186 and its price is US$ 5 so that I should be able to pay extra
money to you for providing above mentioned  detail answer about
unsecured personal or business loan and you only need to open the
answer form of that question ID to receive that payment and best
regards from Shoaib.

---

Clarification of Answer by denco-ga on 15 Aug 2006 12:41 PDT

Howdy Shoaib,

Please note that you stated that this question would be "very simple and
that [this] question does not requires excessive clarifications."

Perhaps you could provide the meaning of the above statement of yours?

Poor does NOT mean bad.  Bad is worse than poor.

If no credit history was needed then the application would have a selection
of "None" and it doesn't, so a credit history is necessary.

Even if it is a startup business, then the person starting the business will
either need a personal credit history, or need a credit history from a prior
business.

As to being able to pay the fees from the funding amount, without seeing the
actual contract that one would have to sign, I can't say that would be the
case.

Keep in mind what is said on the website in question: "We only
pre-qualify clients that have a better than likely chance of receiving
funding ..."

Do you actually believe that the type of funding that you describe has a
"better than likely chance of receiving funding" from their lenders?

Looking Forward, denco-ga - Google Answers Researcher

---

Request for Answer Clarification by shoaib-ga on 16 Aug 2006 12:09 PDT

OK  Denco researcher in response to your above mentioned clarification
answer please note that there  would be(I am sure) any other lending
sources in the "entire world"  providing unsecured personal or
business loan for any of the start-up business of the borrower
according to the following conditions : No collateral, No credit
history or bad credit history, No fees and No income so therefore
Denco researcher please provide confirmation of my above mentioned
statement and thanks and best regards from Shoaib for that help. Note
: Denco researcher please note that  funding sources throughout the
world can  process every type of funding request of the borrower so
therefore I am "sure" that there would be any other lending sources in
the entire world providing unsecured personal or business loan
according to the above mentioned requirements.

---

Request for Answer Clarification by shoaib-ga on 16 Aug 2006 12:12 PDT

Denco reseacher please also note that I have asked for further 
clarifications in this question ID but I also paid you extra money for
those additional clarifications and best regards from Shoaib.

---

Clarification of Answer by denco-ga on 16 Aug 2006 16:33 PDT

Howdy Shoaib,

I have yet to see a lender that would lend the amount of money that you
usually mention based on "No collateral, No credit history or bad credit
history, No fees and No income" being the sole conditions.

The only assurance that a lender has of being paid back a loan is by an
analysis of credit history or future earnings potential, etc.

Looking Forward, denco-ga - Google Answers Researcher

---

Request for Answer Clarification by shoaib-ga on 17 Aug 2006 10:05 PDT

Denco researcher please note that I have placed another Question ID:
756997 and the price of that question ID is US$ 10 and Denco
researcher please note that I only need 'confirmation' about the
processing of the finance application by that international finance
brokerage organization and if possible for you then please provide
answer of that simple question ID and thanks and best regards from
Shoaib fo that help. Note : Denco researcher please note that
international brokerage organization is my "favourite" so therefore I
have special request to you to provide its answer and thanks and best
regards from Shoaib for that help.

---

Clarification of Answer by denco-ga on 17 Aug 2006 14:27 PDT

Howdy Shoaib,

I have placed a clarification request in Question ID: 756997
http://answers.google.com/answers/threadview?id=756997

Looking Forward, denco-ga - Google Answers Researcher

---

Request for Answer Clarification by shoaib-ga on 18 Aug 2006 19:09 PDT

Denco researcher I have posted another Question ID: 757510 and its
price is US$ 5 and I only need contact address of a person in that
question ID and I hope if possible you can easily provide the answer
of that question ID and thanks for that help and best regards from
Shoaib.

---

Request for Answer Clarification by shoaib-ga on 18 Aug 2006 19:26 PDT

Denco researcher I have posted clarification in my Question ID: 756997
in which I need only contact address of the international loan and
finance broker of that www.icommercialfinancing.com worldwide funding
brokerage organization so if possible then please provide answer of
that question ID and thnks and best regards from Shoaib for that help.

---

Clarification of Answer by denco-ga on 18 Aug 2006 19:40 PDT

Howdy Shoaib,

It appears that pafalafa-ga has a good lead for Question ID: 757510
http://answers.google.com/answers/threadview?id=757510

Looking Forward, denco-ga - Google Answers Researcher

---

Request for Answer Clarification by shoaib-ga on 18 Aug 2006 19:46 PDT

Denco researcher if Pafalafa researcher does not provides further
clarification of that Question ID: 756997  then please if possible you
should take on that question ID for providing its answer and thanks
for that help and best regards from Shoaib.

---

Clarification of Answer by denco-ga on 19 Aug 2006 15:48 PDT

Howdy Shoaib,

You should examine the website that pafalafa-ga references and see
if it answers your question.

Looking Forward, denco-ga - Google Answers Researcher

Denco researcher thanks for your help above.

Hi Shoaib,
I know you don't like my comments, but someone needs to point out that
although your interpretation of what is claimed on Premier Business
Funding's website may be correct, the most significant question on the
FAQs is this, the answer is highlighted by being printed in red:

"What are the main requirements to be eligible for funding?

      Accept credit cards as a form of payment for customers.  If you are not
      currently accepting them, we can assist you in setting up that valuable 
      payment option.

      Process at least $3,000 per month in credit card sales

      Be in business at least 2 months

      Have no liens totaling more than $120,000"

To be eligible for PBF financing, the borrower MUST be a business with
credit card sales and MUST be in business for at least two months,
which means with two months of credit card sales to demonstrate the
volume of such sales processed.

Everything else mentioned on the site is unimportant if these "main
requirements" cannot be met.  PBF will not lend on the basis of "an
excellent business plan", it will lend only on the basis of credit
card receipts.

The reason PBF does not care about the credit standing and debts of
the borrower is because its source of repayment is from other people,
by taking a percentage of the credit card receipts from the business's
customers.
This is PBF's only business.

One could ask if PBF is a legitimate business.  The website was
established in November 2005 and is scheduled to expire in Nov. 2006,
according to Allwhois.

Regards, Myoarin

Shoaib,
You have said above:
"Denco researcher I am sure that Myoarin commenter would immediately
accept my above mentioned clarification.

I am sorry to say that this is wrong.
First, there seems to be an assumption that my opinion would in some
way influence that of Denco.  I am sure that is not the case, and from
my side, I am in complete agreement with Denco's answer.  My previous
comment only supplemented his information.
Second, I do not accept your clarification.  Anycredithistory.com does
not make loans, it only provides links to websites that maybe will do
so, and also FOR A FEE it will accept credit applications that will be
passed on to possible borrowers.
Your statement:  "...No credit history or even bad credit history and
No fees" is wrong.  Despite the whatever may appear elsewhere on the
site, in smaller print it says this:
" We never pull a credit report, although we suggest you obtain an
updated report which you can fax or mail to lenders because they are
going to want to see it.                                    
^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^
If you end up applying with several lenders, you may end up with
several inquiries on your credit record which is not good for your
credit score."

A check of credit history will indeed happen. 
 
This site is trying to attract persons who are desperate for credit,
and it is trying to earn money by taking fees for its service, which
in no way guarantees that a loan will be made.
The smaller print elsewhere on the site says this:
"It can happen. 
Sometimes you will not get the loan and we have no control over that.
It is between you and the lender. You may ask: If it is guaranteed why
would I be turned down? Here is our answer:
	Our guarantee is that if you don't get the loan we refund your fee
within 45 days of purchase. We are not guaranteeing you a loan, that
is impossible, we don't even know anything about you.
	The potential lenders, will want to know more about you and your
situation. They may decide not to offer you a loan. They may or may
not pull a credit report. We suggest having a recent copy of your
credit report that you can fax or mail to a potential lender.
	The lender may not be able to lend the amount you need. But since
there are several to choose from you can move to the next.
	Perhaps you are not in a state where the lender is allowed to lend,
again you would just move to the next lender on the list.
	Maybe you have simply refused to make payments in the past and the
lender does not believe that you will make payments this time either
and might say no. Again this is rare.
	If you are turned down, keep copies of the turndowns (you will need
two letters of denial) and forward them along with your request for a
refund to us.
	Note: our guarantee is for regular pricing only and does not apply
for special prices during sale or discount periods."

The last point is interesting, because anyone needing to try to get a
loan via Anycredithistory.com will sign on for the first fee he sees,
which will be a "special price", i.e., if he doesn't get a loan  -
which is most likely -  he will not be able to get a refund.

As I tried to explain in a comment to another question, when you ask
if a website "can" do something, for lack of proof to the contrary,
the only answer possible is to say that the site seems to say that it
can.  This does not say that it will do so.  In some cases, such as
with Premier Business Funding, we can point out requirements that you
may have overseen.  In other cases, the only way to find out if a site
will really give someone a loan is for them to apply.  But as
Yorker-ga explained, this is very unlikely, since the website that
passes on the loan application will somehow be sure that it gets paid,
regardless of whether or not a loan is made.  The people behind these
sites know that persons coming to them are bad credit risks who are
unlikely to be given a loan.  The websites shout:  "Look here, you can
get a loan even if you have bad credit."
Or they have a name like "anycredithistory".

Regards, Myoarin

Shoaib,
Denco posted the last clarification while I was still writing my comment.
Independently, we both chose to excerpt the same passage from
anycredithistory's website.  I hope that you recognize that we are in
agreement.
Regards, Myoarin

Nowhere on Anycredithistory.com is there an offer for "start-up business funding."

The only place on Anycredithistory's website that deals with business
loans is the one found by clicking on  "Bad Credit Business Loans",
which links to businesstobusinessmarketing.com.
If one posts an application to the this site, it will end up on this page:
http://businesstobusinessmarketing.com/Appeals-For-Loans.htm

To be optimistic, I suppose that some more promising appeals have been
accepted by lenders, i.e., that these are the least promising ones, as
one can understand by clicking on them and reading what the people
want.

HI Shoaib,
I am really curious:  do you want a loan, or do you only want someone
to confirm your interpretation of what the websites say?

If you want a loan, you will have to apply and see what happens.
If you want someone "official"  - like Denco -  to agree with your
reading of the websites, then it does not help, will not change
anything if you repeat your question after someone has said:  "No,
that is not the way it is."

I have spent some time on Anycredithistory (for short, ACH) and looked
at the sites that come up when one clicks on various places.
ACH is aimed at people with bad credit histories, but it has links to
quite respectible lenders, two subsidiaries of the HSBC Group, one to
"Pioneer ..." which seems to be specialized in serving military and GS
(government service) personnel.  If someone can get a loan from one of
these, fine, but ACH does not expect that people using its site will
be able to, so they will come back and click somewhere else that gets
that picture of the guy with the grin and two bundles of dollar bills.
 But the first thing one discovers there is that one has to pay a fee,
and if one reads the fine print, that there is no guarantee that one
will get a loan.
If one clicks to ez-personalloans.com, yes, it says:  "It's Free to
Apply Online Now", but that is just for sending an email.  What
happens then, we don't know, but from all your and our experience with
such sites, ez-p is going to earn something  - a fee -  before one
gets or does not get a loan, and as ACH has warned, lenders will be
wanting credit information.
Ez-p is only a broker, like ACH.  It is also interesting that a click
under the Homeowners portion there reveals that the "merchant" for
that service is no longer participating.  If there ever was a lender
there, they decided that it was not worth bothering with the types of
people applying via ez-p.  That means that they did make credit
checks.

Try to believe me  - do believe Denco -  despite what you want to
read, these websites do not say that you WILL get a loan.  They
cannot, they are just brokers, not lenders.  As I quoted above from
ACH's site:

"Sometimes you will not get the loan and we have no control over that.
It is between you and the lender."

Myoarin

Thanks for the 5 star rating and tip, Shoaib.

Looking Forward, denco-ga - Google Answers Researcher

HI Shoaib,

You have asked:
"Denco researcher I also want to know  that  lenders  of
unsecured/signature personal or business loan of  the 
www.anycredithistory.com website can provide  unsecured/signature
personal or business loan  to the borrower    according to the
following condition :  No fees  "besides" the  payment of the borrower
for the  one month  membership  fees of  US$  13 of  
www.anycredithistory.com  website  ??  Denco researcher thanks for
that help."

Think about the matter for a moment, please.  
You are asking what will happen after someone pays the $13 fee so that
they can apply for a loan.  How can anyone know that without paying
the fee?  ???

As to your preceeding request for clarification:
"...it is also 'POSSIBLE' that any bankrupt business or bankrupt
borrower has NO INCOME OR NO CASH/MONEY  available and if that happens
then that bankrupt business or bankrupt borrower would have to apply
for unsecured/signature personal or business loan for any of its
start-up business  according to the following condition : No income 
because that bankrupt business or bankrupt borrower has no other
option available ..."

You are absolutely correct, BUT no one would lend money to someone in
that situation to those conditions, so the person would NOT get a
loan,
WOULD NOT GET A LOAN.

Myoarin

Myoarin commenter you have quoted my above statement of : "As to your
preceeding request for clarification:
"...it is also 'POSSIBLE' that any bankrupt business or bankrupt
borrower has NO INCOME OR NO CASH/MONEY  available and if that happens
then that bankrupt business or bankrupt borrower would have to apply
for unsecured/signature personal or business loan for any of its
start-up business  according to the following condition : No income 
because that bankrupt business or bankrupt borrower has no other
option available ..."

You are absolutely correct, BUT no one would lend money to someone in
that situation to those conditions, so the person would NOT get a
loan,
WOULD NOT GET A LOAN, 

Myoarin commenter in response to your above statement please note that
"FUTURE  INCOME" of the property  can be used for REPAYMENT  of the
above mentioned  unsecured/signature personal or business loan so
therefore it means that unsecured/signature personal or business loan
can be provided to any bankrupt business or bankrupt borrower for any
of its start-up business according to the following condition :  No
income.

So therefore Myoarin commenter if possible then please provide
response of my above mentioned statement. Myoarin commenter please
note that your answer should be to the point and you should not
provide your above answer based on 'speculations' and thanks and best
regards from Shoaib for that.

Shoaib,
Thanks for reading my comments.
None of my statements are based on speculation.  They are based on
experience as a bank credit officer.

"Myoarin commenter in response to your above statement please note that
"FUTURE  INCOME" of the property  can be used for REPAYMENT  of the
above mentioned  unsecured/signature personal or business loan so
therefore it means that unsecured/signature personal or business loan
can be provided to any bankrupt business or bankrupt borrower for any
of its start-up business according to the following condition :  No
income."

No one in his right mind will lend money to someone or a company that
has gone bankrupt that has no income on the basis of an
"unsecured/signature personal or business loan".  The promise of
"FUTURE INCOME" means nothing.  A person or firm that has gone
bankrupt has demonstrated that it cannot manage its financial affairs.
 There are exceptions, but a new lender, if he thought there was a
good possibility of the loan being repaid, would insist on security,
i.e., NOT unsecured.
You say:  "can be provided to any bankrupt business or bankrupt borrower", 
"... to ANY bankrupt ...".  
"Any" means "every" in this usage.  That is simply not true.

Shoaib, with all respect for the fact that English is not your native
language, if you cannot understand this, or willfully refuse to accept
the explanations you have repeatedly been given, I don't think further
clarifications or comments will help you.

Myoarin

Myoarin commenter in response to your above answer pleae provide to me
 the "website or webpage address" in which it is clearly written that 
"FUTURE  INCOME" of the future property cannot be used for "repayment"
of the unsecured/signature personal or business loan of any bankrupt
business or bankrupt borrower for any if its start-up business VENTURE
according to the following condition : "No present income" so that
Myoarin commenter I should  "believe"  your above mentioned response
or answer and thanks and best regards from Shoaib for that help.

Shoiab,
Of course the website does not say that future income cannot be used, 
but that is entirely immaterial, since no lender is going to give an
unsecured/signature personal or business loan to a bankrupt party.

Looking at the subject from a different angle, lenders do hope that
the borrower will be profitable and have future earnings to repay the
loan  - of course.
It does not need to be said, and no one would say that future income
could not be used to repay the loan.

But that is not the question.

Myoarin

Myoarin commenter in response to your above answer please note that
you have "not" been able to provide any website or webpage address in
which your above mentioned answer has been provided so therefore it
means that your above mentioned answer is 'WRONG' so therefore it
means that unsecured/signature personal or business loan can be
provided to any bankrupt business or bankrupt borrower for any of its
start-up business venture according to the following condition :  "No
present income"  and  "FUTURE  INCOME" of the future  property  can be
used for REPAYMENT  of the above mentioned  unsecured/signature
personal or business loan so therefore Myoarin commenter if possible
for you then please provide 'clarification' of my above statement and
thanks and best regards from Shoaib for that.

Shoaib,
You may THINK I am wrong, because I have not provided a website that
states something, but that does not mean that my statement was wrong.
Just keep on thinking that that a bankrupt person or company with no
income can get an unsecured/signature loan, if you want.
If you are not willing to believe Denco, who said the same, there is
no reason to ask more questions on the subject  - with or without
reference to websites.

I had the impression that you were interested in finding a lender for
a project that you had, and have tried to help you understand that
many of the websites you have asked about are advertising that they
can do something that a closer insight into the websites and a basic
knowledge about lending indicates will not happen.

Apparently, you are not interested in finding a lender, but rather
just interested in showing that if you repeat statements that cannot
be demonstrated to be incorrect, then you can claim that the statement
is correct.

Such a debate is pointless.  You don't learn anything, because you
will not believe what others are telling you.  The only reason to ask
questions is to learn something, not to prove that you can ask a
question that cannot be answered to agree with what you want to hear.

Myoarin

Myoarin commenter in response to your above comment pleae note that if
a borrower "demonstrates or shows excellent business plan" for any of
its start-up business TO the lender of unsecured/signature personal or
business loan  then in this situation the lender of
unsecured/signature personal or business loan would be "convinced"
that borrower can REPAY the unsecured/signature personal or business
loan from any of its start-up business so therefore in this situation
the lender of of unsecured/signature personal or business loan can
provide unsecured/signature personal or business loan according to the
following condition : No income  and please note that "future income"
of the 'future property' can be used for the "repayment" of the above
mentioned  unsecured/signature personal or business loan but I want to
mention that interest rate in this situation might be 'higher'
depending on the 'risk' inolved in the project so therefore Myoarin
commenter if possible then please response for my above mentioned
statement and best regards from Shoaib.   Note: Myoarin commenter
Please note that MISSION OF ANY OF THE LENDERS is to earn money by
lending their money in the form of loans for any of the projects so
therefore some lenders charge high interest rate by lending their
money depending on the "high risk" involved in the project AND some
lenders charge low interest rate by lending their money depending on
the "low risk" involved in the project so therefore it  DOES  NOT
MATTERS to the lenders if the project is start-up or if the project is
existing because the mission of the lenders is to "earn money" by
lending their money in the form of loan.

Myoarin commenter if you are reading my comment then please note that
I have provided above in my last clarification information about
another very important lending organization providing
unsecured/signature personal or business loan to the borrower for any
of his start-up business  according to the following conditions : No
collateral, Bad credit history or even no credit history, No fees and
No income so therefore Myoarin commenter if possible then  please
provide response or answer of my above statement and please note that
I am sure I have become victorious for above mentioned purpose and
best regards from Shoaib.

Shoaib,
I have been away for a couple of days and after your comment on August
10, I decided that any further comment by me would be pointless.
If you feel that you are victorious with this new website, great.  
As Denco has pointed out, the site explains more carefully than most
others that an application or "pre-qualification" is absolutely NO
guarantee that a loan will be approved.
From my way of thinking, until a loan has been approved on the basis you outline:
"No collateral, No credit history or bad credit history, No fees and
No income" -  nothing has been proven, nothing has been demonstrated,
and you are no closer to an answer about whether such a loan will be
offered.

It is just a waste of time to keep asking for information about any of
these websites, since any interpretation of what they say is
meaningless.
The only test of what they tell is actually securing a loan offer.

Myoarin

Myoarin commenter please note that it has been 'proved' that lenders
of above mentioned new website address provide unsecured personal or
business loan for any of the start-up business of the borrower
according to the following conditions : No collateral, No income,
Negotiable fees(see my statement above  how fees can be payable) but
the "only" thing required is that the lenders of the above mentioned
website address "might" not provide unsecured personal or business
loan to that  borrower for any of his start-up business  which does
not have any credit history available so therefore if possible then
please provide clarification of my above mentioned statement and best
regards from Shoaib.

Shoaib
watch out for the lenders who come around and break your legs when you
do not repay their loans


Kemlo