Are Banks Turning You Away? You Might Want To Consider Person To Person Lending

Are Banks Turning You Away? You Might Want To Consider Person To Person Lending
About two years ago I was in the process of searching for
money to help stabilize my companies financial situation.
My bank had refused to extend my line of credit and I had
spent weeks trying to line up a new bank. While I was in
the process of looking for money I ran into a website
called Prosper.com. What an eye opener this site was. Now
at the time I wasn't able to apply for a loan because I was
in the state of Nevada which wasn't at the time covered by
Prosper but I continued to look through the site further
because I was intrigued by what they were doing.

The concept itself is pretty simple. Prosper acts as a
middle man connecting potential borrowers with people
interested in lending money. Imagine it like borrowing
money from a friend. You're in need of a loan. You ask a
buddy if he can loan you some money. But because of how
much you need you can't pay him back all at once. So you
agree to pay back a certain amount each month with interest.

The system works the same as a standard bank loan. Prosper
makes its money by charging a fee on the loan that it takes
out before it transfers you your money. When you ask for a
loan Prosper does all the necessary credit checks and
issues you a credit rating.

The way it works is like this. Say you need to borrow
$5000. You start by signing up at Prosper.com. You next
apply for a loan and state the interest rate you're willing
to pay. Prosper does a credit check and assigns you a
credit rating. You then give prospective lenders a rundown
on what you'd like to use the money for. Then you give a
breakdown of your finances so lenders can see that you have
the ability to repay the loan. Your loan request will then
be posted online. It will then have a certain amount of
time to become fully funded. If it doesn't make the time
limit it will be pulled.

Now don't despair if your loan doesn't become fully funded.
All you have to do is list it again. Your loan just might
need some tweeking. Maybe you need to ask for a smaller
amount of money or offer a higher interest rate. As long as
you show that you have the ability to repay your loan and
you have a decent credit history you should be able to get
what you need.

From a personal perspective I like the idea of helping
people that might truly deserve the help but for one reason
or another have been denied. The loan itself might be for a
small business but many of them are for personal reasons.
So far Prosper has loaned out over one hundred million
dollars and the number grows every day. You could be one of
many that benefits from such a service.

----------------------------------------------------
Cash Miller is an experienced entrepreneur and speaker who
has spent over a decade as a small business owner. His
years of experience in small business cover such topics as
planning, management, marketing, human resources,
ecommerce, and taxation. If you are looking for more
information on this subject and others related to starting
and running a small business you can visit his website at
http://www.SmallBusinessDelivered.com

You MUST Say Yes To The Business (And In-come) Within Your Reach

You MUST Say Yes To The Business (And In-come) Within Your Reach
QUOTE: "The torment of precautions often exceeds the
dangers to be avoided. It is sometimes better to abandon
one's self to destiny." - Napoleon Bonaparte

Have you ever felt on the verge of something big in your
business, that the next level is just within your reach,
and at the same time, wondering if you have what it takes
to make it happen, if you can actually handle it? I've
curiously observed this within the last couple of weeks in
my two MasterMind groups I'm running and with the two
private clients I still have.

I wondered, Why is everyone around me so afraid of the next
level? Why don't they just reach out for it and make it
happen? Well, it dawned on me that my clients are
essentially holding up a mirror for ME too, as deep inside
I've been feeling the same thing.

You see, things have been going great in this business, and
yet, there's this nagging feeling within me that the next
BIG level is about to show up. And at the same time, it
seems I'm being asked by the Universe to really STEP UP my
personal growth. "Healer, heal thyself". I'm seeing how, to
teach others about this 'Marketing and Mindset' stuff on a
GRAND scale, I must surrender even more to what's possible
for me. You'd think this would be easy, but somehow, for
both my clients AND for me, it's still a challenge.

Several experiences have come up recently where my "old"
way of being showed up as no longer valid, especially not
for a business that's about to grow dramatically. And
normally, I take a no-excuses approach to clearing out that
kind of stuff. But this time, the stuff is more lodged in
than normal and I've been battling whether I am "willing"
to do what it takes. I'm questioning my courage this time
around.

And then a good friend sent me a copy of the movie "The
Moses Code" this week, saying knowingly, "This is what you
need, Fabienne". And within chapter 5 of the movie, I broke
down and sobbed. Not from sadness, but for the humbling
potential of what is possible for anyone, for my clients,
and for me. The message of the movie for me was simple: We
all have a destiny for greatness. And as "The Moses Code"
says, it can be a little scary to tackle an idea so big.
The calling for our next stage of evolution (and success)
is always upon us. There is a journey that you are being
asked to take, something very big.

But what's pointed out is that, instead of embracing the
journey, we often say to ourselves, "Who am I to do this? I
don't have what's required. I'm not enough for that." But
the truth is, we must come to the realization that we all
are being called to something great, in our businesses, in
service to others, in our in-come and abundance, in that it
doesn't need to be HARD WORK, and that it's OK that we are
all not PRESENTLY the person able to deliver that destiny.
The thing is, we grow into it as we say "YES" to the
challenge. That's all it takes. Then, everything we need is
then given to us.

Whether you use the word "God" in your everyday language or
not, here's a quote that really moved me and got me to
understand what's going on for many of us:

"God does not call the qualified, it qualifies the Called."

The important thing I realized is that the person who
originally said YES to the call, is not the same person who
will deliver that destiny. We're constantly evolving and
unfolding based on our ability and willingness to say "Yes,
I am willing to go on this journey". What I got clear on
this week is that, when you say YES when called and
challenged to reach the next level, the thing that called
you qualifies you. You will then receive the resources, the
skills, the guidance, the money -- everything shows up. You
then change and grow into the person able to deliver the
destiny. So cool.

The struggle is within the ego that steps in and tries to
protect the comfort zone that we've been accustomed to. The
"old" way of being. And for many, it's mediocrity, struggle
and frustration. You'd think, why are we SO adamant about
holding on to mediocrity or frustration, but if you think
about it, if that's what you've been accustomed to for
years and years, it's the only thing you know. And anything
else involves change. And most people don't like change and
they certainly don't like being outside of their comfort
zone.

The thing is, to reach that next bigger level of greatness,
you must be willing to step outside of your comfort zone
and be willing to make the changes that seem to threaten
your "safe" way of being, knowing that you are always safe
anyway. There is no other way. In fact, if the change is
not made, things may become even more difficult, more
complicated, and more struggle shows up. Until finally your
ego says "OK then, GO!, do what you have to do, I'm done."

The thing is, you DO have what it takes to bring your
business to the next level. So, it's a question of COURAGE
and the willingness to be without your old, frayed security
blanket. And what I know from past experience is that the
"fear of change and the unknown" is much greater than the
actual discomfort of walking into the fear.

So, it's your choice: Greatness or Mediocrity. Which do you
want in your life and in your business?

Your Assignment:

If you haven't yet watched the movie, "The Moses Code", I
highly recommend you get a copy today (amazon.com has it).
As you watch it, get clear on your potential to make a
difference in other people's lives through your business.
Understand that you have the ability and capacity to really
take this "thing" you created to the next BIG level. But
only if you say "yes" to the challenge. I know I will.

----------------------------------------------------
Fabienne Fredrickson, The Client Attraction Mentor, is
founder of the Client Attraction System™ and
http://www.ClientAttraction.com , the proven step-by-step
program to attract more clients, make more m'oney being
self-employed, while having more time off to enjoy it all.
To receive your F.R.E.E. Audio CD by mail and get weekly
how-to articles on attracting more clients, visit
http://www.ClientAttraction.com .