AlternativeManilaFolder.com

AlternativeManilaFolder.com Insignia

A business financing back-office for hire

Introductory message
This is the website for a b2b service that creates custom financing solutions for business owners. To be more specific, we are a full-service Alternative Financing Agency that, when taking out a loan, gives you and your business an edge.

What we offer business owners
The support of an Alternative Financing Agent who has access to a proprietary knowledgebase that supplements their expertise and makes them capable of getting your business the best offers available. In addition, we generate interest in your business's financing quickly and efficiently due to having pre-existing business relationships with Alternative Lenders. Not to mention, our compensation is 100% performance based, so there are no upfront fees.

Site purpose
This site was created to be a source of information regarding our services, as well as allow visitors to provide us with their contact details. During your visit, there shouldn’t be any cookies, ads, or surprise redirects, but please let us know if you experience any of the aforementioned inconveniences.

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Behind the scenes, our Alternative Financing Agents are constantly monitoring lending data-sources to collect relevant business financing information. In addition, we correspond with the financing organizations we contract with to continuously update us on what they are looking for in potential clients.

As a business owner, you attempt to carve out a niche for your products or services, and lenders do the same thing. However, sometimes the information about a lender, even if it is on their website, is outdated. As a result, a potential mismatch could occur between a business owner and a lender that can create an unnecessary and stressful misunderstanding.

Fortunately, as part of our service, AFAs conduct an assessment that not only provides you with current information on lending trends, but allows us to find compatible alternative lenders for your business's financing easily. With AlternativeManilaFolder.com, you can cost-effectively find your business the offer it deserves, and NOT have to settle for less.

Values

  • All people who contact us will receive the same consideration for service regardless of any characteristic of who they are or what their business does.

  • Our goal is to assist clients with becoming more knowledgeable, and our efforts will change over time so as to be able to achieve this goal more effectively.

  • We will make every attempt to have good communication, and will try our best to fix any and all misunderstandings.

  • Efficiency is paramount, and every effort will be made to provide a thorough and useful service to businesses.

An explanation of what it is we do here:

First we assess
To learn more about the defining characteristics of your business, and what makes it “tick”, an Alternative Financing Agent conducts an assessment. The assessment is usually done over the phone, but it is NOT a sales call. Since the assessment is intended for information gathering, it can be done using email or direct messaging. The way that we think of the assessment is that it is an interview, and it allows us to increase the efficacy of our answers to your questions.
*Unfortunately, we are not authorized by cell phone companies to text message at this time, but attaining authorization is being worked on currently.

After the assessment…
…we will provide a framework for a financing solution to you. Our financing-solution frameworks are composed of one or more loan product recommendations, as well as an estimated amount of time to fully implement the financing solution. Depending on the time-estimate, we offer one of the following three services that are catalysts for the solutions:

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Financing time-estimate
More than 10-days

What is offered
This service provides guidance to a business owner that makes their business capable of easily taking out the most difficult loan to be approved for; an SBA Micro, 7(a), or 504 loan. The Biz-Bond service is designed to have a business that generates its first revenue today become easily approved for an SBA loan two-years later. Obviously, older businesses would not have to wait two-years, but this service is definitely meant for the long-haul.

Who it helps
Any business owner who is interested in refinancing, consolidating, or taking-on "new" business debt. While using the Biz-Bond service, if your business requires working capital or an equipment lease, then the Biz-Note service will be provided to you automatically.

What it costs
The establishing of an open-line of communication with us by creating a space in our virtual office. To create your space, you are required to provide us a good email address so that we may invite you to the VO. In addition, there is a Primary Questionnaire located within the VO that must be completed.
Financing time-estimate
From 3 to 10-days

What is offered
This service is for when "crunch time" is upon us, and facilitates the rapid movement of files and information. As part of the service, an Alternative Financing Agent is designated as being responsible for your financing solution full-time. The agent will create a credit package, approach alternative lenders with it, attend the necessary meetings on your behalf, and forward any loan-product offers to you. Most importantly, your AFA will adapt and customize their schedule to seamlessly integrate themselves into your day-to-day operations.

Who it helps
Any business owner who is ready to scale their business. Since AlternativeManilaFolder.com is intended to be a long-term service, businesses that choose the Biz-Note service are automatically provided the Biz-Bond service after they complete a deal with a lender.

What it costs
A good email address from you, so that we may invite you to create a space in our virtual office. In addition, you will need to share with your AFA the financial documents for your business that they request. Lastly, for 10 business-days in a row, you need to be able to meet with your AFA within 24-hours after they request to meet with you.
Financing time-estimate
Less than 3-days

What is offered
Here at AlternativeManilaFolder.com we know our limitations, and providing quick financing to businesses is one of them. This service is for emergencies when capital is needed ASAP.

Who it helps
Any business owner who requires capital in less than 72-hours. As mentioned, emergencies happen, and we will refer you to another financing organization that will be capable of providing your business with capital in a relatively short amount of time.

What it costs
You will need to provide us with a good email address so that we may send you a link to a secure online form. The information you provide in the form, along with your consent, will be forwarded to a lender that specializes in short financing turn-around times.

Choose a contact method, then use it for service:

Our business hours are: Monday - Friday from 9:00 a.m. to 5:00 p.m. Central Time

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1) An AFA is a business-financing expert supported by a proprietary knowledgebase, and they will take complete responsibility for finding your business a loan product.

2) AFAs will adapt and customize their schedules to integrate themselves into your day-to-day operations.

3) Lenders consider AFAs to be partnered with them, and as such, they prefer it when a business works with an AFA.

4) All AFAs are thinking long-term, and would rather have a better working-relationship with you than the lenders we contract with.

5) An AFA's compensation is 100% performance-based. This means you do not have to pay an AFA upfront, and we only are compensated if we can successfully finance your business.

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(Phone calls are made sometime before the last 20-mins of the slot)


Call or Text the "Recorded Greetings" Line:
*Sometimes an AFA is available to receive communication through the RG line, but it primarily records greetings made with a phone call or MMS messaging app.
1-855-292-3090

Descriptions of a few loan products:

Keep in mind
Loan products are customized to borrowers. As such, these descriptions are intended to be a starting point for research, and do not refer to specific offers available.

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Business loans
These loans are taken out by the business, and created using the business's credit. They have a maturity date, and could have a fixed or variable interest rate.

SBA loans
The most difficult loan to be approved for, but comes with the best terms. SBA loans require a clearly defined use for the capital, and are guaranteed by the U.S. government.

There are three categories of SBA loans: Micro, 7(a), and 504. As procedure, the SBA stipulates that businesses and their owners must meet certain eligibility criteria. At the same time, lenders must have terms in their offers that adhere to certain standards and criteria depending on how the funds are to be used.
As opposed to purchasing equipment for your business outright, everything from computers to land developing equipment is able to be leased. Equipment leases have high-approval rates due to the equipment acting as its own collateral.
Working-Capital Line of Credit
A working capital LoC is intended to assist a business owner with their overall cash flow management strategy. With working capital, the cash drain associated with making payments on expenses every month becomes less magnified.

Business Credit Card
A credit card is a line of credit. Business credit cards often have rewards points, or "perks", that make using them appealing to a business owner.
This is a specialized lending-product that assists a business with managing their payment-collection risk. Instead of shouldering the burden of waiting 30 to 90 days to collect on your invoices, a lender will purchase the invoices from you "today" for a percentage of what they're worth.

*These loan products are used for Real Estate
With a real estate acquisition loan, any business is able to acquire a piece of property. The purchased property can then be modified or used as-is by the business. Acquisition loans are short-term, and sometimes combined with development and construction loans.
Commercial Development loans are sometimes referred to as, "Land Loans". These loans are meant to develop the land prior to construction. They often are designed to finance larger-scale projects, and could be combined with other loan products.
New Build
After acquiring real estate, a "New Build" loan product can be used to finance the construction of residential dwellings. This type of loan is usually short-term, and finances the entire project from start to finish.

Fix 'n' Flip
When a structure already exists on property zoned for residential use, a "Fix 'n' Flip" loan can be used to rehab or convert the property. The current structure has value, and therefore could improve the terms of the loan.
These loan products match the complexity of commercial real estate projects. Commercial Construction loans are for a large sum of capital, and require the full-details of the project. Due to the many moving parts of a project, these loans could be synthesized with capital from more than one lender, and then are transferred incrementally as the nodes of a project are completed.

About us

My name is Nich R. Babb, and I filed paperwork in Nevada to create AlternativeManilaFolder.com after I took online classes on alternative lending and business credit. I studied finance in college, but had never actively worked in the finance industry.

Most of my professional life has involved working as a caregiver for adults with intellectual or mental health disabilities. It was great work, and taught me a lot about being patient. It even lead me to go back to graduate school to obtain a Masters in Education so that I could become a teacher for students with learning disabilities.

Due to certain unfortunate life circumstances though, I was motivated to change careers. The online classes I took on alternative lending and business credit did not even come close to living up to my expectations. As a result, I used my background in education to create an “Alternative Financing” curricula that I used to train myself. Now, the training is what I use to train others on how to be respectable Alternative Financing Agents.

In all, the way I designed this operation was so businesses will not just be another file or folder on a desktop. We will work to become apart of the solution for your business, and ensure that we do what it takes to earn your respect.

A selfie portrait of Nich R. Babb. The proprietor of AlternativeManilaFolder.com