Cookie;9:15am

Hey. I talked to the small business counselor yesterday and this is what she said.

you’re gonna need to show your credit report. do you know what yours is? this is the main thing for getting the loan, but not the be all end all. paying off your debt is the main thing. if you show them you’re consistent with the payments, that’s good.

something that’ll help is your banking history. the longer the better. you’ve been with your for years right? any overdrafts? if so, how often? would you say it’s consistent? again, it’s the consistency that they’re looking for.

also, since you’re a woman of color, that will be a benefit for you to get that loan. argh. that sentence sucked. but you get the picture.

if you need a co-signer, i know someone who can do it. she has near perfect credit. she’s older and is looking to invest in a business that she doesn’t have to be hands on with. so it’s perfect formula. her name is, my mom.

i know that might sound weird, but if you need lower interest rates on the payments, someone with her credit, how long she’s banked with her bank, the fact that she’s a woman of color, and that she owns a house, i wouldn’t be surprised if the interest rate would be 0%. just kidding.

plus, i know they say the market is bad right now. but it’s the perfect time to get a loan. i’ve been overhearing these conversations from random economists. i know. how the hell did i end up in those conversations, right? anyway, no one is buying anything. there’s a huge gap in what we have and what we should have. the government is giving us a 600 economical stimulus refund just for filing for 2007 and 2006. by the way, tel lyour mom thanks for doing my taxes. i know she’s up the butt busy coz of tax season and the fact she did it for free is cool. i’ll make her some of my goddess salad. trust me, she’ll love it! anyway, for someone like my mom, it’s the perfect time to get a loan. low, low, low, interest rate. and with what you want to do, i know you’ll make a profit. you’ve done it before. and that’s when you were getting started. and also, think about starting lines of credit.

anyway, i have to get going in a couple of minutes. let me know if this is something you would consider. because i don’t know about you, i don’t have 50,000 dollars in my shoebox. you’re gonna need a loan. but to pay it off, we all can be a little smarter about it.

who knows. Bill might be a good partner in this, too. he’s doing property the way you are talking about it. this might be another lucrative business for us.

i like how things are going. call me up. let’s go get some food soon.