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Clarity

Glory Bilalli

The picture you present to your banker/investor makes all the difference between a denial, and an approval - you can never make a 1st impression twice!

I can walk you through the process of being able to submit a package that you'll be proud of - and the recipient impressed! All calls will be followed up with a comprehensive list of what your individual package should include, based on your particular deal as revealed during our conversation. Please be sure to check out my LinkedIn profile, so that you can feel confident in my ability to provide you with a much needed value that will save you hours of time - and may even make all the difference to your ultimate success. Thanks!

$1.67/min

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Finance Startup Consulting Small Business Funding Banking Loans Credit Construction Loans Commercial Lending Church

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Contract Sale - Owner Financing

Many times in today's challenging financial times - bank or investor financing may be quite difficult or even impossible to accomplish, for a variety of reasons.
There are many scam artists out there calling themselves "brokers" who offer you the moon - but only end up costing you countless hours of frustration and many times...money.
Your best option may be to negotiate terms directly with the seller - but knowing whats actually feasible or in your long-term best interest may be difficult to determine.
Sellers are also often hesitant to want to accept such offers, but many times can be enticed when they're shown how that can be to their advantage - through time and money. Delayed closings can be very damaging to them, and final transfers may offer hidden tax advantages.
This can also apply to portions of the transaction as well.

I'll be happy to help you explore this option and offer suggestions based on your particular scenario which can help you achieve your dreams and goals - while creating a win/win platform for your deal.

Negotiating Terms or Price

If you are in the throes of negotiating terms for a purchase or a funding project - decades of experience may offer you valuable insights and clever tools to use!
For instance, do you know how to use a "throwout"?

The art of negotiating properly should ultimately be a win/win - with YOU getting what you want, and your counterpart feeling that he got the better deal!
Your relationship will go on for awhile after the handshake, best to keep things on good terms - for the betterment of all involved.
Decades of experience with many successful negotiations can assist you to chart these sometimes choppy seas - with one phone call!

Valuation Determination

How can you determine what is really a "fair price" for a business and/or equipment?
What about "Goodwill" - how much is that worth?
Remainder of a lease?
Or, perhaps its various terms you're struggling with - time is money.
I'll be happy to help you sort through it, and even show you how a carefully crafted offer can reveal hidden intrinsic value - you may not even have considered!

Answers 9
Reviews 8

Answers

Glory Bilalli answered

How should I go about getting funding for an ice rink that I would like to open?

Call me, I'll walk you through the entire process!

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Creative Financing

Grants

Entrepreneurship

Glory Bilalli answered

How do I structure the acquisition of a company in a way that satisfies both the lender and the seller?

Depending on your particular scenario, you may be eligible for SBA7a, or 504 - with only 10% down. Many times you can also get 1/2 of that back at the closing table.
There may also be other options, available as well.
I can help you structure your deal, and also assist you with creating a financing request likely to be approved. You must always have some of "your own skin" in the game, as the days of "100% financing" are long gone.
There are a variety of ways of acquiring your down payment, though - depending on how creative one can get!
Then, of course - you need to know how to "season it" so that it will be acceptable. Commercial financing has many variables to it - and every deal is different. It takes years of experience to acquire the knowledge needed to employ the many various options available, and to know which would be best for any particular deal.
The ultimate in every scenario is to achieve a win/win for all involved.

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Private Equity

Leveraged Finance

Buyouts

Glory Bilalli answered

Should I apply for more than one startup loan at once?

Rather than using a shot-gun approach which could quickly back-fire on you - because "its a small world", I would qualify them and determine the odds of your deal obtaining approval at terms which would be acceptable to you. Typically, providing an executive summary should give them enough information to gauge whether you'd bet a fit - or not.

Additionally, there are many pretender-lenders who are simply brokers promising the world in exchange for upfront fees - who promise you the world with no possibility of ever delivering.
A well presented package with all of the pertinent information will save you countless hours and many headaches, while insuring your loan request the best chance of approval in the shortest amount of time.
There are many pitfalls in the complicated field of commercial financing. Working with a seasoned professional can make all the difference between achieving your goals, or not.
Please feel free to give me a call, and we can discuss your particular scenario to make sure you're on the right path!

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Loans

Financing

Finance

Glory Bilalli answered

Where can I get a confidential draft business plan/idea review, critique, and advising?

The picture you present to your banker/investor makes all the difference between a denial, and an approval - and you can never make a 1st impression twice!

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Startup Consulting

New Business Development

Financial Modeling

Glory Bilalli answered

How do I get $500k - $1m in capital for marketing expenses for 3-6 months?

I would suggest that there are several factors that you must take into consideration to achieve this goal, such as
1) You need to provide a comprehensive loan request which consists of a full package, along with financials with explanations and a solid make-sense plan showing exactly how this capital injection will benefit your company - to assure any investor that they can reasonably expect they will be paid back.
2) Your anticipated time frame for the return of this desired loan is enough to send off red flags to anyone.
3) You absolutely do not have to offer up any equity, provided you can offer a realistic guarantee.

Its difficult to offer you any detailed advice, based on the limited information that you've provided thus far.
Please feel free to contact me, and we can spend a few minutes to determine your best course of action.
Thanks!

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Corporate Finance

Finance

Loans

Glory Bilalli answered

What are the factors to consider when launching two to three startup projects/products under one corporation?

I personally wouldn't advise it - simply from a liability point of view, it seems to me you are defeating the whole point of forming an entity. Furthermore, depending on the products - you may be able to offset taxes using multiple entities...if you're clever.

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Business Development

Management Consulting

Investments

Glory Bilalli answered

Why are there so few women at Clarity?

All my life, I was always considered a "token female" in what had been traditionally a business mainly occupied only by men. International lending was no exception.
I have also found men to be much more willing to venture out into their own business's, with more of an entrepreneurial spirit - than most women.
Therefore, it stands to reason that there would be less women here at Clarity where people share their experience.

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Leadership

Glory Bilalli answered

What's a good source for lawyers that specialize in contract law?

Hello - I would be happy to help you with that, I write contracts that stand-up and can PROVE it (with court documents) on a 7 figure case in which I was the Plaintiff there to defend my contract defended by a licensed attorney who took my case on contingency AND paid the filing fee's!

I offer decades of my own experience...
However, I am not an attorney - but have always had a necessity for them and an enjoyment reading/writing contracts!

Please feel free to contact me, if you feel I may be of assistance.

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Contract Review

Glory Bilalli answered

How should I make a proposition for a promissory note?

A promissory note is not the proper vehicle to use for what you're proposing - and a 20x return is HUGE....way too much!

You'd be amazed at how many times you don't actually need "money" but rather ingenuity to start a business, and also there are a number of grants available from various sources and/or bartering opportunities that can be structured with existing business's for what you need.

I'd be happy to help you explore options - please feel free to call upon me. I've started many businesses of my own over the last four decades, and spent many years assisting others after that - when I was in commercial lending.

It sounds to me like you've got the desire, and you've put some time in - quantifying that is necessary so that you appear to have some skin in the game may prove very useful to you as it will likely improve your chances of persuasion.

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Funding

Reviews

Glory Bilalli is an exceptional professional. Conducts business with efficiency and integrity. Always a pleasure to work with and allows you to have a comfort level in her ability to accomplishing the goal.

Kimberly (Kenton) Reed Source: LinkedIn

Glory is an honest , straight forward person.

bill mueller Source: LinkedIn

Glory is very quick, responsive and has great lending programs.

Jeanne C Source: LinkedIn

Glory has been a valuable resource for myself, my clients and my coworkers for many years. Her extensive knowledge of financing, especially commercial financing alternatives, allows her to provide the best options and resources available to individuals and business entities alike.

Additionally, there is no one better, or more knowledgeable, for church funding. I highly recommend Glory!

Barbara Sizemore Source: LinkedIn

I have known Glory for at least a dozen year and have always been amazed at how creative she can be. She is also a brilliant, well organized, credible and ethical business woman with a variety of talents and skills. I would always trust Glory to know when she can get the job done even if everyone else in the field says it's impossible!

Cheryl Swanson Source: LinkedIn

Glory,
Expertise in the Commercial Mortgage business has very valuable to me and my clients. She knows her stuff!

Bernard Savage
CEO of MyStockLoans.com

Bernard Savage Source: LinkedIn

Glory Has Advertised Her Financial Services With BuyLeaseBuild The Past 7 Years. She Is Honest and Dedicated To Her Clients.

Susan Ward Source: LinkedIn

Glory got us financing on a project that we were beginning to think was impossible. She works hard to get the job done and has specialized skills in closing very difficult deals.

Michael Abraham Source: LinkedIn

Member since April 2015