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Shawn Vaillancourt - EzineArticles.com Expert Author
Born in Salt Lake City, Utah. I attended Valley Christian High School in Cerritos California. I Graduated Cal State Long Beach in December 1999 with a degree in Spanish. I've been earning a living in the lending business since May of 2000. I've got four beautiful children, all of which are girls and a gorgeous wife named Alice.
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Shawn Vaillancourt Email Alerts
- Commercial Trucking Spring 2009 - Can a New Trucking Biz Finance a Truck With Lower Credit
[Automotive:Trucks] Roughly six to eight months ago I remember thinking to myself how much the lending arena had changed for the commercial trucking business. It used to be so easy to get a loan anywhere for a new business looking to buy a semi truck.
- Asset Based Lenders - Will Asset Based Lending Be the Only Option to Fund Equipment & Get Capital?
[Finance:Leases-Leasing] Right now, creditors are getting rid of a lot of the middle of the road programs that enable business owners to finance or lease equipment. Basically, that means that if you don't have A credit (3+ years in business, Good personal credit, solid cash flow, etc.), financing is hard to come by. However, if you own equipment outright, an asset based lending program may be right up your alley.
- Repairing Credit - Repairing Credit Yourself is the Way to Go!
[Finance:Credit-Tips] Repairing Credit is big business. The funny thing is IT'S EASY (with the right knowledge). If your credit needs some TLC, this is the place to start.
- Commercial Truck Financing - Is Anyone Lending Truckers Cash For Trucks in the 2008 Financial Crisis
[Finance:Commercial-Loans] Want to start a trucking company? If you're new in business or ARE going to be new in business, check this out. It's been becoming increasingly more challenging to get financed to buy a truck for a new trucker towards the end of 2008.
- Commercial Trucking - Don't Let a Bankruptcy Discourage You From Starting Your Own Trucking Company
[Business:Entrepreneurialism] Thinking of starting your own trucking company? Had a bankruptcy? Don't be discouraged, you can still finance your first truck by buying from a lender owned inventory.
- Heavy Equipment Leasing & Financing - Finding Financing For Heavy Equipment in a Credit Crunch
[Finance:Commercial-Loans] Imagine this. The year is 2008. The U.S. is in the midst of one of the worst housing crises in ages. There are more foreclosures than ever and it's expected to get worse. Two hundred and sixty or more major mortgage lenders have gone out of business.
- Unsecured Working Capital For Businesses - Does Working Capital Still Exist in 2008?
[Finance:Commercial-Loans] The U.S. is in the midst of a pretty harsh credit crunch. Nearly all types of secured financing have become more challenging to obtain. Car loans are harder to get. Home loans are harder to get. Business financing is harder to get. What about unsecured working capital for businesses? Does that still exist in 2008?
- Owner-Operator Trucking - Special Programs to Help Get Newer Owner-Operator Truckers on the Road
[Finance:Leases-Leasing] Are you thinking of going out on your own as an owner-operator truck driver? If so, this is a must read.
- Commercial Trucking - Don't Let Lack of Down Payment Stop You From Starting Your Trucking Company
[Finance:Leases-Leasing] Why do entrepreneurs decide to go into business for themselves? It's easy; money and freedom. These are two of the best reasons to start your own business. What about you? Have you been thinking you'd like to venture out on your own and start a trucking and hauling business?
- Is Your Business Equipment Rich and Cash Poor?
[Finance:Leases-Leasing] It's not uncommon for small to medium sized businesses to see both good times and bad times. Let's face it, during the good times every piece of the puzzle fits together securely. There is good cash flow, great profit margins, money and/or credit is abundant-you name it. During the bad times either one of these things no longer is true or none of them no longer hold true. If your business is one that has struggled a bit in the past and is currently equipment rich and cash poor, then you can easily turn things around by considering a sale-leaseback on business equipment that you own outright.
- Equipment Financing and a Personal Guarantee - What's the Deal?
[Finance:Leases-Leasing] What's the deal with extending a personal guarantee to secure a loan/lease for your business equipment? Let's find out.
- Five Things to Consider When Acquiring New Business Equipment
[Finance:Leases-Leasing] One of the most important decisions a business owner has to make is one that involves spending money. More specifically...
- Working Capital - Get Working Capital by Selling Your Accounts Receivables Or Factoring
[Finance:Commercial-Loans] Does your business need cash fast? Do you have outstanding invoices? Turn your invoices into instant cash.
- Working Capital, Where is it in 2008? Try an Equipment Sale - Leaseback to Get Working Capital
[Finance:Leases-Leasing] Have you ever had to struggle with a downturn in business or a seasonal slowdown? It can make having enough working capital to begin jobs or fill orders tough. It takes cash to make cash. That's where a sale-leaseback can come in handy. If you need cash or have found yourself in the type of situation mentioned AND own some heavy equipment outright, try a sale-leaseback.
- Construction Equipment Financing - Does Anyone Want to Give New Businesses Financing For Equipment?
[Finance:Commercial-Loans] It has become a lot harder to finance construction equipment. This is particularly true for newer businesses. There is hope. Check out the options available if you select off-lease equipment.
- Felt the Long Haul, Owner-Operator Truck Financing Pinch? There's Hope!
[Finance:Auto-Loans] Are you a long haul, owner-operator trucker? Have you felt the finance pinch? It's been getting harder and harder to get the vehicles financed, but there is hope.
- Cash is King, Right? Wrong - Credit Rules the Roost!
[Finance:Credit] Please don't misunderstand, you should not go buy things you can't afford to pay for. You should, however, build & maintain (or improve) your credit profile by using credit responsibly. When you need the credit to buy a house or a car or a major piece of business equipment, you'll be glad you planned ahead.
- Leasing New Landscaping Equipment - It's the Leased You Can Do For Your Business
[Finance:Leases-Leasing] If you're thinking about starting a landscaping business or already have one and you need some new equipment, consider leasing your new equipment. Acquiring new landscaping equipment in the form of leasing is an excellent way to start or grow your business. There are several benefits of leasing your equipment over paying cash for your new additions.
- Credit Crunch 2008 - A Great Time to Buy, Lease, Or Finance Business Equipment
[Finance:Leases-Leasing] So, you've been toying with the idea of buying some new business equipment. It's been in the back of your mind for some time now. There's always that looming question-Is now the right time? After all, the U.S. economy is on the brink of recession and we're in the middle of an unprecedented credit crunch. Maybe now is not the right time! Think again.
- Maxed Out Credit - A Forgotten Derogatory Credit Item - Learn to Fix Your Credit
[Finance:Credit] When it comes to credit, most everyone knows the obvious do's and don'ts. You know; pay your bills in a timely manner, don't allow your bills to go to collection status, avoid bankruptcy, avoid judgments and liens-the obvious. What about the forgotten derogatory-maxed out credit cards? Yes, this too can be considered derogatory. Most people seem to forget about this and many people don't realize the impact it actually has on your credit.
- Buying an Excavator, Bulldozer, Or Backhoe? An OffLease Dozer, Excavator Or Backhoe is the Way to Go
[Finance:Leases-Leasing] What a great year to buy new equipment for your business. Granted, many companies and many people are struggling, but there are some great incentives to buy new business equipment in the year 2008 (like Section 179 of the Federal tax code- businesses that spend less than $800,000 a year on qualified equipment, can write off up to $250,000 in 2008 compared to $125,000 in 2007). If your business is in a good position or simply needs to buy some heavy equipment like an excavator, bulldozer or backhoe, then buying off-lease equipment is the way to go.
- Excavator Financing - How to Finance Or Lease an Excavator in 2008 With Bad Credit
[Finance:Leases-Leasing] Have you had some trouble obtaining financing for an excavator for your construction or excavation business? If so, you are simply not alone. In a response to America's housing related crisis, there has been a major credit contraction that has trickled down to every type of financing available-including financing an excavator. There is however, good news. There are ways to get financing for your new or used excavator if you have bad credit.
- Bad Credit Costs You Money - Don't Let it & Learn to Fix Your Bad Credit
[Finance:Credit] Let's face it, bad credit costs you money. There are banks and investors that are making money hand over fist because your credit isn't what it should be. The lower your credit score, the more money you shell out to creditors for anything you wish to purchase by using credit. The key is to take control of your credit and learn how to fix it. This can easily be done on your own.
- A Better Beacon Equals Better Business - Learn to Repair Your Credit & Improve Your Bottom Line
[Business] What exactly does better business mean? For a business owner, it really just comes down to profit and revenue. The more the better, right? If a business isn't generating profit, it will soon go out of business or someone within that business will figure out a way to make the business profitable. That being said, a better beacon score means better business.
- Metabolism Maximisers - 5 Hot Metabolism Tips Not in the Form of a Pill
[Health-and-Fitness:Weight-Loss] There are simple yet effective ways boost your body's metabolism. Find out how to send your body's fat lost mechanism to the moon.
- Credit Repair - A Do it Yourself Approach to Fixing Your Credit is the Best Option
[Finance:Credit-Tips] Is your credit report what it should be? No, then please read the following. Good credit can save you hundreds of thousands of dollars in your life time.
- Don't Get Crunched by the Credit Crunch - Crunch Back & Learn to Repair Your Credit
[Finance:Credit] What the heck is a credit crunch and why would I care? Don't let opportunities pass you by because of crummy credit.
- My Credit Stinks - Who Cares? Improving Credit Yourself is Easy
[Finance:Credit-Tips] Don't pay too much for big ticket items because of your crummy credit. Do something about it and keep more of your money and give less to your creditors.
- Order a Free Credit Report - The First Step in Repairing Credit Yourself
[Finance:Credit-Tips] Make sure you choose the best means of getting a free credit report. Learn how right now.
- That Equipment Lease Deal Costs Too Much - Not!
[Finance:Leases-Leasing] Leasing is an excellent choice when a company is in need of new equipment. The most important thing to remember is that the real reason for getting the new equipment is that it's going to make you money, right? Don't exert too much effort focusing on the cost. When you get down to the nitty gritty, the amount of money to be made by purchasing the new equipment is what you're really after, right?
- Got Credit? If Not, Lease Your Equipment With a Collateral Based Program
[Finance:Commercial-Loans] Have you had a hard time getting the equipment your business needs to expand or grow? Do you have additional collateral? If so, you may be in luck.
- Medical Equipment Leasing - Is a Medical Working Capital Loan Better Than Leasing Medical Equipment?
[Finance:Leases-Leasing] Leasing medical equipment has its benefits-that's for sure. Sometimes there are other excellent ways to acquire your medical equipment opposed to just simply leasing the new medical equipment. Let's take a quick look at a loan versus lease situation in the medical field: --When comparing an equipment lease to a working capital loan, the lease has up-front payments. The working capital loan does not.
- Financing Your Way to Economic Vitality - Credit Do's and Don'ts
[Finance:Credit] Often times folks under estimate the power of great credit. Good credit can save you thousands and bad credit can cost you thousands. Get to know your credit and always do what you can to fix and or maintain it.
- Bad Credit? Need Heavy Construction Equipment? Try Leasing!
[Finance:Leases-Leasing] Are you in need of new heavy equipment? Is your credit damaged? If you've had trouble getting a loan for the equipment you need, try leasing it? Aside from relaxed requirements, leasing has many other benefits. Check it out.
- Business Equipment Leasing - Leverage Your Business by Leasing Your Business Equipment
[Finance:Leases-Leasing] One of the main reasons people are in business is to gain or maintain financial or economic vitality. The best way to do this very thing is to properly leverage yourself, especially when acquiring new equipment. This is particularly true when making a larger purchase.
- Equipment Leasing - Ask the Right Questions Upon Executing a Lease
[Finance:Leases-Leasing] Leasing your equipment can be an exceptional way to acquire your business equipment. Before executing that lease, simply ask the right questions.
- Heavy Equipment Leasing - Leasing Your Heavy Equipment is a Great Choice
[Finance:Leases-Leasing] Let's face it, we are all in business to make money-right? That is the very reason that leasing your heavy equipment is the best choice. Compared to purchasing your equipment with a traditional loan, leasing allows you to keep more of your money on hand in your pocket.
- Credit Rehabilitation - If it Hurts, Stop Doing it & Learn to Fix Your Credit
[Finance:Credit-Tips] Depending on the severity of you credit injuries, there is a lot that goes into healing and correcting those injuries. One of the most basic and paramount formulas for fixing loused up credit can be summed up in the following statement; just like a doctor might tell you to adhere to the R.I.C.E. therapy for sprains, one can take a similar approach to credit rehabilitation. For any of you that may not be familiar with R.I.C.E. therapy, it's simply an acronym for rest, ice, compression, and elevation.
- Fixing Your Credit Report - Learn to Repair Your Own Credit
[Finance:Credit-Counseling] Don't let crummy credit stand in the way of living out your dreams. Often times it takes money and credit to purchase the finer things in life such as a home, car, boat, or vacation home. In our current credit market, it's important maintain and improve your credit as much as possible. That way, when an opportunity presents itself, you can seize the day.
- Hurricane Clean Up - Need a Dump Truck to Start a Hurricane Cleanup Business?
[Finance:Commercial-Loans] We are living in interesting times. Higher tier or bank to bank money is tight. In essence, that means after the trickle-down effect borrowing money is tough for the average Joe. The U.S. had gotten smacked by a couple of devastating hurricanes over the last few years and we're still suffering from the ramifications.
- Used Dump Trucks - Are Lenders Giving Out Money For Dump Trucks in the 2008-2009 Financial Fiasco?
[Finance:Leases-Leasing] Despite the 2008/2009 U.S. Financial Fiasco, Lenders are in fact giving out money to help companies finance dump trucks. It's getting harder though. If you have tried and were not able to do so, just know that there are options.
- Oil Drilling Companies - Need Capital? Try a Sale Leaseback on Your Drilling Equipment
[Business:Industrial-Mechanical] Here we are right smack in the middle of the U.S. Presidential election week and HOLY SMOKES, money is tight around here. Have you noticed?
- Magic Weighs 28 Pounds
[Home-and-Family] When it comes to things like the paranormal, ghosts or magic, I'm a bit of a skeptic. Granted, when these things come to mind there is always that little shrieking voice in my head that bellows-what if? When it comes to magic, skepticism tends to overpower the what-ifs.
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