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If you are going through a personal injury lawsuit and fed up with waiting for a settlement, you may be considering a lawsuit loan. A lawsuit loan is a non recourse cash advance against a pending or already settled lawsuit. It's important to understand while most people refer to this type of financing as a lawsuit loan, it really isn't a loan. The money is borrowed on a contingency fee basis meaning if you lose your case, you don't have to repay the lender.
Lawsuit loans are commonly referred to as pre settlement funding and post settlement funding. Pre settlement funding are advances against a lawsuit that has not yet reached a settlement. Post settlement funding is provided to those claimants that have recently won a settlement or verdict.
When a person wants to apply for a legal funding they must understand the underlying process. A person will contact a company that is usually is a hedge fund or investment company. The company will ask for general information on the case including access to the attorney handling the case. In order to qualify for an advance the plaintiff must be represented by a lawyer. If the company decides to move forward with the process after the initial conversation with the client, they will contact the attorney and request information on the case. This information is used to evaluate the strength of the case. If the company believes there is value in the lawsuit they will typically contact the attorney and have a short discussion prior to the approval. If the case is approved for a the lawsuit loan company will provide an offer to the client. The offer will include the total amount they are willing to lend (or requested amount) and payment schedule.
A contract will be sent over to your attorney and you will be required to sign the contract. Once you've signed the contract a lien will be put on the suit. This lien assures the lender they will get paid the principle plus interested if you are awarded a settlement or judgment.
The average process can take anywhere from 1-3 days depending upon the accessibility of the attorney.

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Only when people need money, they apply for loans. If they require money very urgently, they cannot resort to the old means of applying as the banks waste a lot of time in completing formalities. 1 Hour Cash Loans are finances which help people get their money at a swift rate.
1 Hour Cash Loans are small-term funds which help the citizen get their money in one hour. After receiving the next pay, the person can return this fund.
The main feature of this finance is that the borrower can avail quick and easy cash. This is mainly due to the absence of any paperwork or documentation of any sort. The candidate can avoid falling into any debt if he pays the entire amount back on time.
People who suffer from a less than perfect credit history due to any arrears or defaults can also apply for quick text loans without any complications of any sort.
However, the candidate will have to pay a comparatively higher interest rate due to the short-term nature of the fund. The borrower should ideally pay the amount back on time or else he will have to pay a penalty and his credit scores will be negatively affected. Those who suffer from a less than perfect credit history can also apply for this fund without any hesitation if any sort. The citizens can apply online and make this service even faster due to the elimination of paperwork.
The citizen can easily apply by using the online services. All he has to do is fill out an online application form and provide details like name, age and so on. Once this is done, the form must be submitted to the lender. The lender will then verify the information and once that is done, the amount will be directly transferred to the borrowers active bank account.

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You are planning to avail a new apartment but are lacking behind financially? Now no worries as Bridging Loans are there to provide you with instant money. They are in a special way designed for purchasing any kind of commercial land or any commercial apartment. They are a help for people with a bad credit record as they are now offering funds for bad credit holders also.
As bad credit holders are open to these contracts, they have a great opportunity to clear all their bad debts. This fund assistance is called as Bridging Loans as they provide cash to cover up your financial gap.
They allow the borrower to avail a big amount as they are to be used for a commercial purpose. Amounts that are borrower are to be refunded in time to avoid any kind of penalty fees. These funds are charged with high interest rates as they are approved in a short span after you place a request.
If the borrower does not refund the amount in the allotted time the borrower does not has any means instead covering it by charging additional fees over the borrowed amount. Hence, to avoid such extra fines you must make sure that you refund the amount in time that is allotted by the lender.
To get good knowledge about these funds the borrower just needs to relax and surf the internet and gain plenty of knowledge about these funds. The internet holds very large knowledge about these funds.
To get such a loan you can apply online or visit the organization in person. Both the means of availing these advances are very easy but only the difference is that the online procedure consumes less amount of time as compared to the fixed method of availing a loan.

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According to the latest ING Direct Financial Wellbeing Index, nearly one in two homeowners is unhappy with their mortgage. Australians are ready to leave their current lenders but are unsure if it is worth their trouble largely due to three main perceived barriers.
Examining the Index, Quick Assist Lending can recite the key points for QTR 4 of 2010 (surveyed in Jan 2011) to be:
* Only 46% of home owners are satisfied with their home loan.
* One in three home owners (31%) is thinking of refinancing.
* For 65% of home owners, exit fees are the main deterrent to refinancing.
* Almost half (46%) say the paperwork involved makes refinancing too hard.
* 30% say there's not enough difference between lenders to make a switch worthwhile.
The Index also looks at and rates the comfort levels across six key areas, credit card, mortgage debt, savings, investments, household income and the ability to pay bills. These areas are ranked on a scale of 1 to 7, 1 being very uncomfortable to 7 being very comfortable. All areas remained constant for QTR 4 of 2010 compared to QTR 3 with only a slight drop in comfort level of mortgage debt.
So with 31% of homeowners thinking of refinancing, what makes them so dissatisfied? It seems they are largely dissatisfied due to a series of interest rate rises announced by the Reserve Bank of Australia and in particular dissatisfied with those bank-led increases during 2010.
And why is it that they do not take action? The most overwhelming reason is exit fees. Is it really worth it, would they be any better off after paying those exit fees and enduring all that time consuming paperwork when there is so little difference between the lenders anyway?
The sad part for the homeowner is that many of the findings are "perceptions" rather than "realities" and that a conversation with a mortgage broker could steer them through points of concern - such as exit fees - that should not necessarily be barriers to switching.
The perception that all lenders are the same has been reinforced by the so called Big Four offering similar products and interest rates. If homeowners are prepared to consider other lenders outside the Big Four, they will be pleasantly surprised to find there are in fact many lenders in the market with very competitive products and interest rates. Moreover, the smaller less known lenders often can be much more flexible in their approach.
With the assistance of an Approved MFAA Mortgage Broker much of the leg work can be removed and brokers are well prepared to help consumers that are concerned about their current lender and are not sure what to do.
Mr. Don Koch, CEO of ING DIRECT said, "The fact is that home loans vary widely and homeowners can potentially save a lot of money. Switching is easier than people think and increasingly a number of lenders are removing exit fees altogether"

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It may seem that there is no help available when you are in debt, have a bad credit rating and more bills arriving that need to be paid and no cash to pay them. As desperate a scenario as this is, it is not an uncommon one in today's economic climate. Many Americans are finding it difficult to maintain a good credit rating. It is therefore useful to know that there are fast bad credit loans available, that may help you in these desperate times.
While it is true that banks and many financial institutions will not authorize borrowed funds, there are many other financial institutions that will. Within an hour it is possible to have a loan approved and in your bank account to enable you to pay off that bill that is causing you so much distress. The repayment and interest rates vary between the lenders, so it is important to carefully look at the terms the loan is being offered at, but once you have selected one that you are comfortable with, the application process is relatively simple.
The requirements to be approved for a bad credit loan may differ between companies, but once approved a loan may improve your repayment history if you pay it back within the required time. Consideration of a loan may be an important move towards a debt free future. Consider discussing the pros and cons of the loan with a financial advisor.
Some lending companies also offer fast consolidation loans, which enable you not only to borrow to cover the debt you are facing, but also to consolidate other loans into one loan and pay off all the loans together. This may provide a longer term solution to a bad credit rating.
The application process for most borrowings is simple. Taking only about 5 minutes you can apply for amounts of cash that may surprise you given your repayment history. Many lenders claim an approval rating of between 75% and 85% of applications, so the chance of your application being rejected is remote when you meet all the requirements.
When you are offered a loan and specific details of the repayment requirements you are able to accept or reject most offers enabling you to be certain you can meet your repayment obligations. Fast bad credits loans are being granted to thousands of people so do not delay and apply today for quick cash to pay your overdue bills.

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Bankruptcy is among the most nerve-racking, credit damaging occurrences a person could undergo. When this happens, your credit rating will be ruined and you will be labeled as high-risk by virtually every loan provider and financial institution. Getting approval for any kind of credit or loan will become nearly impossible. Nevertheless, the options for bankruptcy auto loans are becoming increasingly popular and they are offered by many auto loan companies. These kinds of auto financing programs provide people with bad credit a second chance in order to re-build their bad credit history.
What are the normal requirements for getting a loan approval after bankruptcy?
Even though, the requirements will be different for every loan provider and applicants, common criteria required for approval can include: being employed, having a verifiable income, a citizen of the US and must be eighteen years old.
How is it practical for any loan company to offer people with bankruptcy auto loans?
Whenever you make application for an auto loan, this means that you are applying to get a secured loan. You will be using the vehicle as collateral to guarantee the loan. Therefore, if you are not able to make the repayments for the car loan, the lender has the legal right to claim your vehicle. As a result, it's very important for you to pay the loan timely and in full on a monthly basis. In case that your vehicle is repossessed, this will not only further ruin your credit, but it will be extremely difficult or even impossible for you to get approval for any kind of credit or loan.
What type of interest charges will be linked to loans given after bankruptcy?
Whether you want to purchase a new car or even a used one, you can expect to pay a higher interest rate. For this reason, it is important to make timely repayments to gradually build up your financial standings. There are actually two benefits for this; first your credit rating will be improved. The second one is that after around 12 months of positive repayment record, you will probably have the ability to re-finance your car at a reduce interest rate to get some savings.

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There are people who prefer to build their own property, instead of purchasing one that has already been constructed, and this is where construction loans come in. These kinds of loans are not too different from a mortgage, especially after the whole construction process has been completed. But because the construction loan involves more, there are more specifics that need to be addressed, which means learning all there is to know about commercial and residential construction loans will take a little longer.
Try understanding the different options that you have. You could get a fixed loan (averages 15-30 years in most cases) or get a short term one that you can later refinance into a mortgage. The disadvantage with this is the dual closing costs, and the whole process of applying for a mortgage, which includes things such as pre-qualifying and getting pre-approved.
The lender will have to ascertain that you are in a position to repay any residential or commercial construction loans you get. The purpose of the construction will matter, though the basis of the analysis is consistent. For an individual seeking construction financing for their residence, the lender will mostly look at the income level of the individual. This way, they can establish how much can be repaid, and use this information to chose a suitable loan term, loan period and loan sum, not exceeding the calculated amount, based on income. The same goes for commercial construction financing, as the bank will consider the amount of profit generated by the business and use this to determine the nature of the loan given. Most lenders are often willing to extend construction loans to investors who are simply building to sell. In this case, different factors are considered.
The nature of new construction loans you get from one lender will most likely differ from what another lender has to offer you. This helps emphasize on the importance of looking around for what different lenders have to offer before settling for one final deal. It's also imperative that you find a lender who has been around for sometime. Their experience is something that can help you get through the difficulty you face, since chances are, they have dealt with a case such as yours before.
Things such as a high credit score will definitely help in getting you better rates for the construction loans you qualify for. Ensure you get construction insurance, as the lenders will be quick to insist on it and without it, you will most likely be disqualified.

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It's frightening when you need money in a pinch. Nothing is quite as frustrating as needing money, and not having any idea where to get it. Bank loans are hard to get. Not only do you need a good job and good credit, but you also have to wait for a response. You also can get the money from a family member, but that can cause problems down the line. Car title loans are good alternatives when you want to get the money you need with little hassle. As long as you understand what you're doing, you can benefit from using your car for a loan.
First, using your car for a loan means you don't have to borrow the money from a bank. Most title loan companies don't care that much about your credit rating or employment history. It helps to have a job and good credit. However, the main concern is that you own the title to your car. You'll need the title to get the loan.
The company knows you'll have to repay them or risk losing your car. Giving you this type of loan is low risk for the title company. In most cases, people readily repay the loan so they can keep their cars. The company knows you'll either repay them or they'll make their money back by taking your car. That's why the loans aren't very risky for them.
Second, you must understand that you risk losing your car. Yes, these loans are easy to get. It's true that you can borrow up to the amount your car is worth. It all sounds good, and it can be if you're smart. Before you agree to this loan, make sure you know how you'll repay the money. If you know for a fact that you can repay the money, then one of these loans is a good idea. You can get the money you need when you need it. You then repay the loan when you get the money. Car title loans are a good win-win situation for you if you're certain you can repay the loan. You get the money, and you get to keep your car.

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If an individual catches in any type of financial quandary then one can only rely upon the financial help providers. The financial help providers help the individuals which helps them to get rid of all the financial problems. So, at the hour of need the cheap secured loans are considered as the best ones as they are considered to be cost-effective. The main fact behind the reason that people take help from them is that they have to put collateral as a security against the amount borrowed. It offers a confirmation to the lenders that they will not lose their money and will get something or the else back equivalent to the amount that has been lent if borrower fails to pay back the amount.
By pledging a value asset, a borrower will definitely get money on low prices of interest. It is due to the capacity of proving financial viability. There are various options available with the borrower. For repayment of loan security, one can place any of the precious assets. Assets can be in the form of real estate, home, precious business papers, diamonds or jewelries etc. When one places an asset in front of the lender, the loan provider finds out its true value. Value of ones assets is planned on the grounds of its existing market price.
The amount of loan provided on this basis is always different. It depends on the lender to lender. Some offer high value to the asset whereas some offer low value for the same. Moreover, the amount that a person borrows has to be returned in the time duration that both parties have agreed to. This period is basically five years in minimum. But in some of the special cases, lenders can increase the reimbursement term up to period of 25 years.
It is not that one has to pay only principal amount but one has to pay charges in form of interest in addition to it. These interest rates are fairly cost- effective. So it is fair to say that with introduction of these cheap secured loans, one will get easily get financial help from the money lenders.

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Availing cash advances is very simple and easy. Not just with good scores but even with poor credits one can easily avail this loan. Cash loans for poor credit are constantly searched by the borrowers with bad credit history or the ones who have faced bankruptcy, to fulfill the urgent liquidity requirements. The no credit examination variety of the payday advances is an alluring pick as it offers loans in the range of $50-$500, without any sort of credit- check, for a short-span of time. The reason behind this is online cash finance companies, most often; do not consider the borrower's credit history while evaluating their applications for advances.
Qualifying Criteria: The requirements for these advances are minimal. A borrower should fulfill the below given conditions:

• The person should be above 18 years of age.
• Should have a regular employment and must be earning above $1000/ month.
• Should not have any other unpaid cash debt
• Should have a verification account and must have utilized it for minimum 90 days.
• Can have past bankruptcy or poor credit history but must not have an insolvency (bankruptcy) in-progress. In addition, many loaners providing cash loans for poor credit scores may need that the debtor have a valid government identity proof such as driver's license and reside in an area in which the loaner operates.

The Loan Procedure: The borrower will be required to fill a cash advance application form and submit identification proof and the latest paycheck counterfoil. On approval of the cash debt application, the borrower will be required to sign a cash loan pact and give the post-dated cheque for the principal advance and fees to the loaner. The financial institution will hold this cheque till the due date of the borrower's advance and on that date, the company will deposit the cheque in the bank account for the repayment.
The person going for cash advances for bad credit must borrow only the exact funds required or the funds that a borrower can meet easily on the next payday. These advances even help to tackle all the urgent requirements efficiently and on lower interest rate.

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What is the APR on mortgage loans, you ask? To put it simply, this three-lettered acronym stands for Annual Percentage Rate. This is quite useful in determining which mortgage companies offer the best loans. The APR is a better indicator of the actual mortgage loan cost compared to the interest rate. This is due to the fact that it gives you an estimate of the amount you need to pay in the span of one year. Furthermore, federal law mandates that mortgage companies disclose APRs, together with interest rates, to prospective clients and even to those who already have existing mortgage loans in their company.
What is it exactly?
Before we go on further, let us first establish that the Annual Percentage Rate doesn't affect the monthly payment on mortgage loans. Your loan's a monthly loan payment is a function of the rate of interest and your term's duration. Thus, it is not affected, in any way, by the APR. As you might have noticed, APR and the concept in which it works are perplexing. It also serves to provide an estimate of how much the loan costs. It is important that this figure is being shared to clients as mandated by law to prevent banks and mortgage loan companies from reporting low interest rates while concealing other expenses.
How does it help?
Aside from the fact that the APR prevents companies from deceiving the public, it also serves a variety of functions. Since it provides an estimate of a loan's true cost, people can compare loans from different companies to be able to decide which of them provides deals that are more advantageous on the client's end. However, such a comparison is not easy to establish. This is because different companies use different names for different items. Because of this, it is not uncommon to find different lenders having different computations of APRs. Fortunately, one method may give a solution to this confusing problem. You can ask different mortgagors to provide you a rough estimate of their loan's cost on the same type of loan, meaning the same mortgage loan option and rate of interest. Then, have them compute for their APRs. The lender who has a lower APR then has a cheaper loan cost compared to the other one. Use this method in order to make a rough comparison among lenders. Since the computation is not definite and standardized and the method previously mentioned works in the principle of trust and good faith, it is better to seek the expertise of a loan officer in these instances.

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Be prepared is the notorious Scout's motto, and it's never more true than when dealing with the huge financial investment that comes with property, failure to prepare can lead to foreclosure, bankruptcy or worse. You shouldn't let this deter you however, preparation and knowledge can significantly reduce risk. Adaptability is key in any plan, you need to recognize potential threats and opportunities and know that they won't unhinge your investment.
The best safety buffer in all honesty is to be conservative with your budget, if you're burning all your income on your mortgage and the day job goes under, you could be financially crippled. It's a balancing act of risk vs reward. Some of the more risky options could be investing in short-term high growth areas like mining towns for instance Port Hedland or the Hawsons Iron Ore Project 60km south west of Broken Hill which currently has quite good rental yield, a very low vacancy rate but low capital growth and a declining population.
A closer look reveals LendLease is going to spend $40million building a shopping plaza, Carpentaria Exploration made their announcement about Hawsons in mid-December and then there is also the new Silverton Wind Farm project and its $2.2billion worth of investment which is the kind of cash injection that could turn property prices around as highly paid miners flood the area, if a big company is willing to bet big money, it's usually a good sign.
It should be said that nothing is set in stone, any one of these companies could encounter trouble and cancel their project leaving you with a worthless property in a dead-end town. Damon Nagel, managing director of property investment advisory firm Ironfish, recommends that investors who adopt a long-term view and strive to build a balanced portfolio will achieve the most success. He stresses the importance of strategy
"From the outset, adopt a clearly defined strategy and aim to build a portfolio that will meet your objectives," he says. Property investment can be broken down into three distinct phases - growth, consolidation and income realisation - and your objectives will determine the strategy and the types of property in which you choose to invest.

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If you are looking for ways to borrow money online, then the information you need is right here. We all go through stages of needing money quickly, but it's not always a simple matter. With banks tightening up their lending criteria, you might very well find yourself needing some extra cash and no way to get it. That's where trying to loan money from online, might very well be your only option.
So where do you start with trying to loan money from a company on the internet? Well, you have surely seen those adverts for payday loans and personal loan offers advertised in just about every corner of the internet. That's where you start. But don't be tempted to take the first loan plan you're offered. Borrow money online very carefully as there are many pitfalls of which to be weary.
When you approach your bank or credit card company for a loan, they usually ask you to go through a lengthy process. They want all your financial data, employment history, credit rating and list of assets plus a whole lot more. There's a very good reason for this. Banks are in the habit of making money for themselves and they do that by minimizing their risk. What that means for you is that they will try to only lend money to people that they have confidence in and who can pay it all back.
In contrast, when you loan money from online, the process can be quite short and the amount of information required comparatively little. What does that mean to you? Well it means that you are potentially going to get a loan even though you may not really have the means to pay it back. No, the people who own the company that allow you to borrow money from an internet company are not just being nice. They are hedging their bets by bringing in as many people as possible that could pay back the loans but at a premium interest rate.
You get to borrow money online fairly easily but you will pay through the nose for the privilege. You will also normally have to pay back the loans within a much shorter period of time than if you borrowed on your credit card or made a personal loan from your bank.
So before you take the plunge and accept a loan, do your homework. If you shop around you will discover that there are deals to be had that offer lower interest rates and longer repayment terms. If you borrow money online you can expect to receive anything between a $100 and $1500. If that suits you then go ahead and check all the offers available.
Always do your homework and check out as many offers as you can before committing to one. Your hard work will pay off and you will be able to borrow money from online at a competitive rate. It won't be as cheap as getting money from your personal banker but you won't have to go through all the checks and verifications first, to be eligible for a loan. Borrow online intelligently and you can get a better deal than you thought possible.

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Wikipedia defines a credit crunch as "a reduction in the general availability of loans (or credit) or a sudden tightening of the conditions required to obtain a loan from the banks." This situation is independent of a rise in interest rates and is often accompanied by a flight to quality by lenders and investors. What does the credit crunch mean to those in the commercial finance business these days? Prior to the recent credit crunch, business owners typically sought financing on their own. Loans were easy to come by and inexpensive. During a time of such easy credit, business owners were constantly bombarded by offers to increase credit lines and refinance debt.
Now banks are calling business owners and telling them to find a new bank! Banks are reducing exposure in certain industries, reducing loan-to-value ratios and increasing debt service requirements. Additionally, with the secondary market virtually gone, banks are now forced to keep loans on their balance sheets longer before selling them off to the secondary market. Since they have to season loans longer, banks all across the country are refusing new business as they try to reduce or sell their portfolios. Today a business owner is better off spending more time on improving profitability and less time searching for a new bank or loan. Here's where our graduates come in. Hiring a broker in business finance can save a business owner both time and money.
Brokers have the knowledge, contacts, and experience to source financing more effectively than a business owner. The saying "time is money" is never more true for a business owner than during a credit crunch. Brokers know where to take a deal. Even within certain lending segments one lender may be interested in a particular deal when another is not; this is where a broker's experience can be valuable to a business owner.
Banks need brokers more than ever, too. When losses are up and profits are down, banks need to find ways to source business more effectively and less expensively. Banks are turning to brokers to source loans. Rather than send loan officers out on the street to find quality deals, banks are turning to brokers and the many clients a broker represents. Brokers are attractive to banks because they only pay the broker's commission when a deal closes. Marketing dollars, which fund the broker's commission, are only spent on successful deals. This is a much more efficient and less expensive way to spend marketing dollars as opposed to publication and television marketing campaigns in which the target audience is less focused. Brokers enable a bank to target specific business types and industries.
Banks are also utilizing finance brokers when the tightening credit criteria makes it difficult to service their current customers. Rather than refuse to offer a service or a loan, they can refer their customers to a finance broker and maintain the customer's depository account.

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Recently, there have been some positive reports for Apartment building owners and multifamily investors. An estimated 6M homeowners are now under water and approximately 90% of these homeowners will need about 5 years to break even assuming that the home values will not decline any further. Apparently, most of these home owners have the financial means to continue payments but choose to walk away from their homes. This is certainly beneficial to apartment building owners as some of these 6M+ homeowners will become renters. I've also read reports that about 70% or so of the commercial real estate investors consider buying multifamily properties as they believe apartment building or assisted living sectors are the first to recover. Financing is still difficult in this tight credit market however there are several financing options. Apartment building loans or a multifamily loan can be obtained through different sources such as banks, private lenders, insurance companies, pension funds, government bodies, etc. Besides apartment buildings, multifamily financing can also be received for senior housings, student housings, manufactured housings, as well as affordable housings. And since an investment such as this has to be considerable, it is pertinent that you have your basics in place.
Analyzing the Investment:
Before you look for multifamily or apartment building financing, carrying out a detailed analysis of the property in question is required. The factors that need to be taken into account include the cash flow, the operating expenses, overall rental income, debt service, vacancy loss, etc. A detailed analysis would give you a clear picture of your investment's performance, and would also highlight any area of concern. The next step would be to look for the multifamily or apartment financing options.
The Options:
The various options that a borrower has when it comes to seeking an apartment building loan or a multifamily loan include banks, private investors, Freddie Mac, Fannie Mae, HUD/FHA, etc. With these plethora of options made available, consulting a professional broker/consultancy firm can definitely be helpful. This is also because they can help you understand the various intricacies that are involved in getting the desired loan.
The Intricacies:
For starters, you should know that different lenders and banks have different limits in terms of the minimum and maximum amount that can be made available. Next in line are the various types of loan programs, followed by the different sets of terms & conditions, underwriting methods, interest rates, pre-payment penalties, time period, etc. The interest rate could be as low as 5%, and the loan term could be as long as 25-30 years. Bear in mind that lenders would take factors such as the type of property, its presentation, its location, and well as its condition into consideration before deciding whether financing should be provided.
The Monetary Aspects:
Understand that multifamily financing or apartment building financing is normally available for around 60% - 80% of the property's value, and alternatively this could also be governed by the Debt-Service-Conversion-Ratio (DSCR) of the given property. The DSCR helps determining whether the building would qualify for the loan. A property classified to be in poor or fair condition could require a significantly larger down payment and there is also a possibility that it might not qualify for financing.
Since looking for an apartment building loan or a multifamily loan does need a thorough understanding of the process, an experienced firm can help protect you from unscrupulous elements when you need an acquisition loan or refinance your existing debt.