Emry Capital Financing Solutions

Credit score is generated by an algorthm using your credit report. Its main purpose is to help lenders to decide whther to approve loan application and determine the terms of that loan. In other words they are determining risk, how likely is that you will repay your loan. Credit report and credit score is not the same but they are connected. There are three major credit report agencies also known as credit bureaus Equifax, Experian and TransUnion that collect information about you and sell it to other companies. Credit reports show what bureaus knowa bout you. They gather information from many sources. Part of their information they get from lenders. Lenders report loans you took to one or all theree agencies. This also means that your credit report might be different in each agency depending where lender reported it. Some lenders don't do reporting so it is important to work with ones that do if you are trying to build your credit. Other part of information comes from publ...

Your credit score is an important part of your life. Good credit score can help you greatly to achieve your goals. Banks and other financial institutions will review you credit report in order to decide whether to give you a line of credit or a loan. When you are taking out a mortgage, a car loan your credit report has a huge influence on the outcome.  Even potential employer can check your credit score before hiring you.  To be sure that your credit is looking good you should check it periodically. Credit reports sometimes have mistakes in them. Some experts estimate that there are errors in 10 to 33% of credit files. It is better to check it on time and avoid potential problems that can emerge from false credit report. You can check your credit by ordering a copy of your credit report and your score. Some of the reports are free and for others you have to pay. On AnnualCreditReport.com you can get free credit report from nationwide consumer credit reporting compani...

You have probably heard about personal credit score also known as FICO score, especially if you have applied for a credit card, mortgage or some other kind of loan. You know that personal credit is a big deal but do you know that your business is also very important. Regrettably not many businesses are aware of it. Because your business credit report plays a major role in determining whether you can get business loan but it can also be helpful in deciding whether you should provide or refuse credit to your customer. If you want to get a business loan from a bank or another financial institution than you should care about your business credit score. Just like the personal credit score shows how likely you are to repay your debt, business credit shows reliability and  creditworthiness of your business. Good business credit can help you get more favorable payment terms.   For example Emry Capital requires 550+ FICO for a line of credit and 530+ FICO for...

As we mentioned earlier cash flow can cause serious financial troubles and is the most common reason why businesses fail. Some type of businesses like start-ups, construction, seasonal and contract businesses are more likely to have big fluctuations in cash flow. Nevertheless they have to find a way to pay the bills. There are expenses like rent and salaries that you have to pay every month but other unplanned expenses often emerge. Making a financial plan and budget will help you better manage your expenses and avoid cash shortages. Cash flow projection is especially important for start-up businesses since they usually need time to generate positive cash flow. Sometimes even if you make money on paper you can ran out if it and be forced to close the doors of your business. It is very likely that you will find yourself in situation that you need more working capital. Alternative to standard bank loan is business line of credit. Line of credit can help you solve your cas...

Many small businesses have problems with their financial health. You may need to utilize financial statement analysis to diagnose the problem. The three most common ones are debt management, inventory control and collecting accounts receivable and they all can inhibit your business's cash flow. As we mentioned earlier cash flow is the main reason why businesses fail so it's very important  to have positive cash flow and avoid cash shortages. If you already have an existing loan that is causing the problem, you may be able to get a consolidation loan or negotiate the loan terms. Debt consolidation is a form of debt refinancing that involves taking out one loan to pay for many others. It can secure a lower interest rate and convenience of repaying only one loan.Usually you will repay the debt in set amount of time.  If that is not an option for you can renegotiate loan terms. Modification can include the interest rate or the length of the loan, rate s...

Cash flow is the reason why 82% of small businesses fail according to the recent U.S Bank study, either poor cash flow management or poor understand of cash flow management contribute to the failure of business. Cash flow management is the process of tracking how much money is coming in and going out of your business. It includes monitoring, analyzing and optimizing cash flow in order to measure how healthy your business is. You want to prevent negative cash flow especially if you have recently started your business and it is rapidly expanding. As your business grow you will need more cash to for example, hire new employees, advertising, capital investment or to maintain inventory. One of the mistakes is often that you extend credit to your customers. Invoicing is usually done on 30 to 60 day terms and it is not rare for customers to delay payment. If that is your case than invoice factoring is the right solution for you. With invoice factoring you can turn unpaid invoices in...

Growing a business isn't always easy, it takes considerable time and effort as there are many challenges to face. Yet if you do it right all your endeavors and time spent will be worth it. Success doesn't happen overnight but there are several things that you can do in order to attain it. Every aspect of your business is important and deserves attention. Here are some suggestion for you to consider if you are seeking to improve your business Basically every business is selling some product and/or proving some kind of service to clients and customers in exchange for money. Every business also have employees who can vary in number from just a couple to couple of hundreds and more. It is assumed that good service or a product is a base of the business so naturally you want to offer the very best to your customers. The most logical way to do that is to target your demographic and then try to understand what kind of product or service they want. In that way you can comprehe...

If you are small company and even if you are a big company chances are you will need access to capital for various reasons. That is when the business financing also know as corporate finance comes in. When it comes to business finance it means that you will have to think about how to distribute resources, consider debt or equity financing, create economic forecast and plans. Smaller companies have smaller needs and sometimes less options than large companies so they may rely on outside advisers. Reaching for advice from financial advisers with a lot of experience and expertise can be very helpful. Finding the right financing model is of great importance for your business since it can affect its expansion and development. Businesses can seek financing for various reasons. Entrepreneurs have visions and dreams but they need cash to put that ides in motion, from creating the product or service, delivering it to the client or customer to building meaningful relat...

If you have business and you need to raise cash there are two options:debt financing which involves borrowing a fixed sum which is repaid with interest and equity financing where you sell percentage of your business to an investor in exchange for capital. Figuring how to finance your business is an important decision. Essentially you will have to decide  whether you want to pay back a loan or give shareholders a part of your company. Advantages of Debt compared to Equity: Lenders don't have a claim on a part of your business so the debt doesn't dilute your ownership of the company. Which means you will not have to share profits long-term. A lender is entitled only to repayment that you agreed upon plus interest rate. Principal and interest obligations are known amounts which can be predicted and planned for. Interest on the debt can be tux deductible, lowering an actual cost of the loan. Raising capital through debt financing is less complicates and time co...

When a company has to pay for something they have two options, to pay with cash or to finance the purchase. To finance the purchase means that they will get the money from other businesses and sources in return for obligation.  Basically debt financing is when a company  gets a loan and promises to repay the loan over time with interest. Debt refers to the amount of money that has to be repaid and financing refers to providing funds to be used in a business. Companies can use the money to finance short-term needs as well as long term business expenditures. Debt may take a form of a loan or the sale of bonds.   Another way to raise capital is through equity financing; the company raises money by selling ownership shares in a business.   If you compare it with equity finance the good feature of debt financing is that you don't lose ownership of the company. Debt financing is a time-bound activity , where principal must be paid back in full by maturity date alo...

I f you are planning an important business project or venture or if you have some unexpected expenses, line of credit might be the right solution for you. Line of credit should not be confused with loan. Setting a line credit today can enable you to start your dream project or help you deal with (un)planned expenditures. What is a Line of Credit? Line of credit (LOC) is an arrangement between financial institution and a customer that establishes the maximum loan amount that customer can borrow. The borrower can access money "on demand" at any time. What that means? Line of credit is type of revolving credit that does not have a fixed number of payments, unlike the installment credit. You can borrow money, repay it, and borrow it again. Interest is paid only on the money that is actually withdrawn. Lines of credit are extended by banks, financial institutions and other licensed lenders to creditworthy customers. How the Lines of Credit work? Lines of credit consist ...

Identification, analysis and either acceptance or mitigation of uncertainty in investment decision-making. Essentially, risk management occurs anytime an investor or fund manager analyzes and attempts to quantify the potential for losses in an investment and then takes the appropriate action (or inaction) given their investment objectives and risk tolerance. Inadequate risk management can result in severe consequences for companies as well as individuals. This is where we step in as a stakeholder. EMRY as part of its stakeholder duties and responsibilities sits on the Company board and oversees Corporate officers and day to day activities. Usually in a non-pivotal role we do in most cases hold veto power over the Company we are a stakeholder in.  Corporate officers are the people with day-to-day responsibility for running the corporation, such as the chief executive, chief financial officer and treasurer. A corporate officer is a high-level management official of a corpor...

One of the most important distinctions when discussing business practices and business ethics is that between stakeholders and shareholders. While the two sound interchangeable, they are two differentiated concepts, with concern for stakeholders becoming an important point of consideration for increasingly socially conscious businesses and business models. Emry searches for investors in the 0.001 to 4.9% shareholder range of Emry invested companies only. You as a shareholder get the benefits of riding along with us as a stakeholder in the companies we hold positions in.  SHAREHOLDER The definition of a shareholder has remained mostly the same for the greater part of the last few centuries.  Shareholders are those who have invested in a business or company by purchasing shares of that business, and now presumably have a financial interest in that company's success. Shareholders, then, are investors in a company, and can be anyone from active mega-investors who hope to ...

LINE OF CREDIT Quick access to revolving line Credit lines up to $250,000 Only pay for what you use Funds replenish as you pay back No prepayment penalties INVOICE FACTORING Turn unpaid invoices into cash Credit lines up to $5 million Fund only the invoices you want Financing that grows with your business No long-term contracts Get peace of mind when you partner with Emry Capital Easy to get started - Emry Capital makes business funding quick and painless. Apply online and get approved in fast as 20 minutes. Flexible by design - Use your available credit line when you want, for any business need. Enjoy no long-term contracts or prepayment fees. Dedicated advisors - Our advisors are available to walk you through the process and help you obtain the funds you need. "When you run a business like ours, you need the extra cash for backup. I tried our bank and went through all the trouble just to be told we had to wait. Emry Capital has been a great partner to u...