Archive for the ‘how to start a business’ Category:
To jump-start immediately your Lending Investor Business, please use this package of services and softwards to ensure you started on the right foot.
Here is the price list of our services and softwares.
We can discuss this further if you wish.
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How to Start Your Direct Lending Business (Lending Investor)
Aside from being an Energy Technology Expert, Marcial T. Ocampo is also a leading consultant in setting up your own start-up business, especially in direct lending — also called lending investor.
The following is a sample business plan for starting your own direct lending business. With today’s global economic crisis, it is important that credit is made available to small businesses with the least inconvenience and costs which normal banks would not otherwise lend for being too small an amount or for being not credit worthy.
On the other hand, traditional investment outlets provide very low returns that individuals with surplus capital placing their hard-earned savings either earn very low interests or risks in stocks and other high-yield instruments.
This article below will hopefully guide you start your own direct lending business.
Please contact the author below for further help in setting up your own direct lending business, including the needed administrative, loan processing and accounting systems.
For a minimal fee, you will be provided with a Sample Business Plan and a Sample Financial Model for a Lending Investor Business.
For a regular fee, you will be provided further with a spreadsheet for a five-year business plan (income statement and balance sheet) that shows the growth of your business to break-even and to profitability.
This model will provide you the minimum new loan releases and minimum capitalization that will provide sustainable operation to overcome the fixed costs of the direct lending business.
BUSINESS PLAN FOR DIRECT LENDING BUSINESS
In the Philippines, there is a great number of individuals and families that could not secure affordable credit because they are either retired already (over 55-60 years old), temporarily disabled (receiving disability pension for about 12 months), or under employed (receiving less than P15,000 gross income per month).
These individuals are therefore exposed to usury and are forced to borrow money at exorbitant interest rates of over 4% per month from pawnshops and individuals wherein they pawn as security jewelry, cellfones, laptops or desktops, motorcycles or vehicles and house & lot titles as collateral. Sometimes, they borrow at 5%-10% a month from individuals lending money for 1-3 months.
It is in this light that this corporation engaged in lending business aims to help them get affordable credit at 2%-3% per month plus fixed charges (3% service fee, 2% collection fee, 1% credit investigation fee, 1% legal/audit fee, 2.5% marketing/referral fee, documentary stamps [PhP 0.30 per PhP 200 PN amount if more than PhP 100,000], notarial fee [PhP 180 per loan] and creditor’s life insurance [PhP 1.55 per PhP 1,000 outstanding balance], all totaling around 8-9% as one-time fixed charges).
This is still much cheaper than their traditional sources of credit. The retired pensioners usually borrow around PhP 2,000-4,000 per month for a term of around 6 to 12 months. For a 12-month term at 2% per month, this translates to a 2.58% per month average interest. On the other hand, salaried individuals borrow from PhP 4,000-8,000 per month for a term of around 3 to 6 months. For a 6-month term at 2.5% per month, this translates to a 3.85% per month average interest.
Experience has shown that once a private employee (SSS member) or a government employee (GSIS member) retires at the optional age of 60 years old or mandatory retirement of 65 years old, the retiree suddenly loses access to affordable credit. This means that prior to retirement, the employee should ideally have saved money and/or invested his savings in some form such as time deposits, treasury bills, stocks, small business enterprises, apartment rental units, etc. in order to have regular replacement income after retirement.
Fuel & Energy Technology Expert is Here
Marcial Ocampo, your favorite energy technology expert, is here to provide you latest information on:
1) energy and oil prices (international and domestic pump price calculation)
2) renewable energy and non-renewable energy and electricity
3) cost of power generation – capital and O&M cost
4) levelized cost of energy and electricity
5) Philippine energy and electricity demand and supply
6) project finance and financial modeling
7) power plant efficiency and performance
8) project feasibility studies for biofuels and power plant (market, technical, economic and financial)
Examples of Power Generation Technologies in commercial use are as follows:
Oil – Gas Thermal
Reciprocating / Piston Engine:
Small or High-Speed
Large or Slow Speed
Combined Cycle – Waste Heat Boiler
Natural Gas – Simple GT:
Humid Air Turbine (HAT)
Cascaded Humid Air Turbine (CHAT)
Heavy Frame GT
Natural Gas – Combined Cycle GT
Pulverized Coal PC
Integrated Gasification Combined Cycle IGCC
Integrated Gasification Humid Air Turbine IGHAT
Direct Coal-Fired Combined Cycle DCCC
Supercritical & Ultra-Supercritical Coal Comb.
Boiling Water Reactor (BWR), advanced
Pressurized Water Reactor (PWR)
Pressurized Heavy Water Reactor (PHWR)
Advanced Gas-Cooled Reactor (AGR):
– Candu Reactor
High Temp. Gas-Cooled Reactor (HTGR)
Gas Turbine Modular Helium Reactor (GT-MHR)
– Pelton Turbine – 50-6,000 ft head
– Francis Turbine – 10-2,000 ft head
– Propeller Turbine – 10 – 300 ft head:
– Kaplan Turbine
Small / Mini
Compressed Air Energy Storage (CAES) – Huntorf:
– Large CAES
– Small CAES
– Above Ground CAES
Utility Scale Batteries (USB):
– Lead acid
Superconduction Magnetic Energy Storage (SMES)
Dry Steam (Vapor)
Flashed Steam (Single, Double)
Petrothermal (Hot Dry Rock)
Thin film – Amorphous Silicon
Thin film – Indium Diselenide
High Efficiency Multi Junction (IHCPV)
Salt Pond (power + water)
Phosphoric Acid (PAFC)
Proton Exchange Membrane (PEM)
Direct Methanol (DMFC)
Molten Carbonate (MCFC)
Solid Oxide-GT (SOFC-GT)
Co-firing with Coal
Biomass Gasification (BIGCC)
Municipal Waste Treatment
Landfill Gas (40 – 60% CH4)
Anaerobic Digestion Biogas (65% CH4)
Claude (open cycle)
Controlled Flash Evaporation (open)
Anderson (closed cycle)
Oscillating Water Column (OWC)
High Level Reservoir
Float or Pitching Devices
Wave Surge or Focusing (“tapchan”)
Modulated Single Pool w/ Pumped Hydro
Additional technologies provided by readers of this blog:
Waste Heat Recovery: (from Alan Belcher’s comments)
Steam Rankine Cycle (Recycled Energy Development, Inc.)
Organic Rankine Cycle (Ormat Technologies, Inc.)*
Low Temperature Brayton Cycle (Pegasus Energy Project, Inc.)
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