Micro Cap Corporate Finance Newsletter
October
31, 2008
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I'm Bob Koveleskie, founder and president of
Bizfin, a micro cap corporate finance
company working with corporate finance
people across
the United States. We have more than 50
Affiliates who bring deal flow and new
capital sources to us.
We prefer to work with developers and
buyers of major commercial real estate
projects and middle market
companies needing capital for expansion,
M&A, and working capital. We also have
sources for letters of credit,
management buyouts and many
other corporate finance needs and
services. We
do not finance or consult start-up
companies.
Importantly, we have the training,
experience, and affiliations to help you
bring your deals to a resolution. I've
spent. the greater part of my life
working in finance as a stockbroker,
founder and CEO of a regional investment
bank, an investment advisor, a principal
of a registered Broker-Dealer, a
business consultant, a developer and
manager of commercial real estate, and a
General Partner of private placement
syndications, and a university adjunct
instructor of corporate finance. Please
email
me if you need help with a deal.
"There will
come a time when you believe
everything is finished. That will be
the beginning." Louis L'Amour~
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 I'm
David Shaheen a securities attorney.
I have represented many clients in
the negotiations of securities and
business transactions and contracts,
the preparation of Reg D offerings,
Rule 144 opinions and SEC filings,
and structuring of mergers and
acquisitions, sales and venture
capital investments. If I can help
you with legal matters in your
corporate finance deal please feel
free to call me at 202-262-6393.
Go here to read my articles
"To fight and conquer in all your
battles is not supreme excellence;
supreme excellence consists in
breaking the enemy's resistance
without fighting." Sun Tzu~
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"A good listener is not only
popular everywhere, but after a
while he gets to know
something." Wilson Mizner~
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FOUR WAYS TO PROTECT YOUR RETIREMENT
FROM THE ONGOING FINANCIAL CRISIS
By Jennifer Yousfi, Managing Editor,
Money Morning
In the depths of a bear market that
has carved between $500 billion and
$2 trillion from U.S. retirement
accounts so far this year, as many
as two-thirds of all Americans have
stopped contributing to their
retirement plans, a new study shows.
And that's precisely the wrong
decision to make at the wrong time.
No matter how poorly the financial
markets are performing, saving for
retirement has to remain a top
priority.
More
"What we do is more important than
what is done to us." Nikki
Giouanni~
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LIST A
BUSNESS FOR SALE FREE
List your business for sale free in our
BizFinExchange. Check businesses for
sale in most States. Businesses listed
will get exposure to more than 5000
potential buyers and sellers.
List your business for sale
"Preach often--and
sometimes use words." Saint Francis of
Assisi~
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MANAGEMENT
BUYOUT FINANCING
The buy-out will be evaluated,
structured, and financed under the best
possible terms for both parties. Our
team is the best and experienced team of
buyout specialists. Call Bob
Koveleskie at 724-836-6827 or
email us
"Reputation is what others have been led
to believe we are and character is what
we know we are." unknown~
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HOW TO BUY A GOOD
BUSINESS AT A GREAT PRICE
Don't even attempt
to buy a business without first reading
this excelent guide to buying a
business. Just one point could save you
ten of thousands of dollar and more.
There are over 400 pages of proven
strategies covering the entire buying
process.
More
"Hope is often a sedation for the poor."
R~
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SELF FILE
TO BRING YOUR COMPANY PUBLIC
If the objective of your
company is to be public and you are not
large enough to attract a big-time Wall
Street underwriter for a traditional
IPO, you need to consider the
significant benefits of a direct filing
with the SEC as an IPO alternative. I
can help you with legal matters. Please
call me at 202-262-6393 to discuss your
deal. Attorney David ShaheenSelf-Filing
To Go Public
More
"Every decent
man is ashamed of the government he
lives under." H.L. Mencken~
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BRIDGE
LOANS
A bridge loan is
interim financing for an individual
or business until permanent or the
next stage of financing can be
obtained. For same day response
please contact us at
capital@bizfin.com
More
"One only sees
clearly through the heart." French
novelist Antoine de Saint-Exupery~
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AFFORDABLE
BUSINESS PLANS AND OFFERING MEMORANDUMS
There is no reason to look further for a
top business plan writer at the lowest
price. We have done that for you. Have
your business plan done by the best and
largest provider of business and
marketing plans in the US who has helped
thousands of clients fund millions of
dollars using professionally written
plans. They have been writing business
plans since 1979 and have a complete
staff of MBA and Ph.D. consultants,
analysts, writers, researchers, lawyers
and accountants.
Email us
"Don't argue with an idiot, he will just
lower you to his level and beat you with
experience." Author unknown~
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WE HAVE A
CAPITAL SOURCE FOR THE FOLLOWING
PROJECTS
Hotels - Condo with either
irrevocable presales in an amount equal
to 125% of the debt with minimal 20%
deposits in escrow
Hotels - Condo in lieu of presales a
Irrevocable Direct Pay Letter
of Credit for 100% of the debt being
sort after
Retail Shopping Centers - 65% pre-leased
or an Irrevocable Direct
Letter of Credit guaranteeing the rental
stream though lease up
Apartment Complex with 65% pre-leases at
the time of construction
Office Buildings with 85% pre-leased or
an Irrevocable Direct Pay
Letter of Credit guaranteeing the rental
through lease up.
Condominium Projects with 125% of the
debt pre-sold with minimum 20%
irrevocable deposits or an Irrevocable
Direct Pay L/C.
Hotels construction requires 35% to 45%
equity; rates vary from 300
to 400 bps spread over the 90 LIBOR.
Retail construction requires 35% to 40%
equity; rates vary from 275
bps to 350 bps spread over the 90 LIBOR.
Apartment construction requires 25%
minimum equity; rates vary from
250 bps to 325 bps over the 90 day LIBOR
Office Buildings construction requires
25% minimum equity; rates
vary from 250 bps to 350 bps over the 90
LIBOR
Condominium Projects - require 35% to
45% equity; rates vary from
325 bps to 400 bps over the 90 LIBOR
Bridge Loan Program requiring a
collateral instrument at excellent rates
and terms.
FOR CONDOMINUMs AND OTHER THAN
COMMERCIAL PROPERTY, BUYERS MUST
SHOW CREDIT SCORE OF 680+.
If you have interest in any of this
financing, please send an
email to Bob Koveleskie at Bizfin
"If you think things are under control,
you're not going fast enough. Mario
Andretti ~
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WHAT IS PIPE
FINANCING?
PIPE is an acronym (word formed
from the first letters of a term) for a
Private Investment in a Public Entity.
Certain mutual funds and other capital
sources have risk capital that they allocate
for PIPE investments. The mutual fund will
buy a block of stock from a company at a
discount-ranging from 10 percent to 25
percent. The stock is registered to sell and
then hopefully sold at a profit. Often the
financing can be closed in less than a
month. The quick closing is one of the
reasons the public company is willing to
sell the block of stock at a discount.
Time, price, and regulatory issues are
important in the transaction. For a stock to
qualify for PIPE financing the average
trading volume of the stock should be
adequate to sell the block of stock without
depressing the price of the stock
significantly. Although the trading price of
the stock is important when the PIPE is
considered, it is not as important as the
trading range and volume of the stock. There
are two main types of PIPEs - traditional
and structured. A traditional PIPE is common
or preferred. A structured PIPE issues
convertible debt. PIPEs are attractive for
micro cap public companies that have a
difficult time accessing capital.
More
"I touch the future. I
teach." Christa McAuliffe~ |
GET A
LETTER OF CREDIT FUNDED
What is a Letter of Credit? A letter of
credit is a document usually issued by a
bank authorizing the recipient of the
letter (you--the bank's customer) to be
able draw down money up to a specified
amount, in compliance with terms and
conditions specified in the LOC, to
assure a new supplier ("beneficiary" of
the LOC) that it will receive payment
for any goods it delivers to the
you--customer. It's a financial
instrument issued by a bank that
substitutes the bank's credit for the
credit of the bank's customer.
More Information
"Any fool can criticize, condemn, and
complain -- and most fools do." Dale
Carnegie~
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GRAMMAR
A Lot or Allot? A lot (two
words) is an informal phrase meaning "many."
It can take an adjective, for example, "a
sizeable lot." Example: Karl needed a lot of
time for the job. Allot means "to distribute
between or among." It has the same root as
lottery. Example: He allotted three breaks a
day to everyone in the department. Alot does
not exist as a word.
More
Number or Amount? Use
the word amount with quantities that
cannot be counted and number with
quantities that could be counted
one-by-one. Examples: He had a small
amount of ammunition left. He had a
small number of bullets left. This
follows a pattern similar to fewer and
less.
More
Assume or Presume?
Assume has a variety of meanings.
It basically means "to take up or on
oneself," "to suppose or take for
granted," "to pretend," or "to be
taken up." The noun form is
assumption. Presume is related to
and similar to assume, but it has
the sense of doing it beforehand. It
means "to dare or venture without
prior knowledge," "to assume as
believable without direct proof,"
"to take as a premise, subject to
further proof," or "to behave
arrogantly or overconfidently." The
noun form is presumption.
More
There's, Theirs, or Their's?
Theirs is a possessive pronoun.
There's is a contraction for there
is or, rarely, there has. Note the
apostrophe replacing the missing
letter or letters. Their's does not
exist. Examples: That painting is
theirs. (possessive pronoun) There's
more to this than meets the eye.
(contraction of there is).
More
"He who gives
when he is asked has waited too
long." ~Sunshine Magazine
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NEW TERM
Fractal Geometry
A new way of looking at the world; we
have been surrounded by natural
patterns, unsuspected but easily
recognized after only an hour's
training.
More
"Success is not the result of
spontaneous combustion. You must set
yourself on fire." Reggie Leach~
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SPECULATIVE STOCK
SECUREtrac Announces
Contract Win From Pitt County, North
Carolina for Monitoring Center
Intervention iSECUREtrac Corp. (OTC
BB:ISEC.OB Price $0.25 A leader in
electronic monitoring solutions,
announced that Pitt County, North
Carolina has selected iSECUREtrac's
Monitoring Center Intervention (MCI)
Services. Initially, iSECUREtrac's MCI
program will be responsible for
monitoring approximately 80 individuals.
More
Never invest more
than you can afford to lose in a
stock. Bizfin and its affiliates and
family members may hold substantial
shares of this stock and will not
notify you if shares are sold or
bought. Bizfin is not a registered
investment advisor or a
Broker-Dealer and receives no
commissions if you purchase this
stock and will not receive a fee
from Isecuretrac for this
announcement.
"My
life is my message." ~Mahatma
Ghandi~
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ONE-LINERS
"All politicians
should do two terms, the first in office
and the second in jail" Sen. Alan
Simpson ~
"Never let a dog
guard your food or a politician guard
your money." unknown~
"If you want to trace your family
tree, run for public office." Patricia H.
Vance~
"Never believe what a man says if he is
in love, drunk, or running for office."
Unknown~
"Our rights depend on our willingness to
defend them." ACLU~
"The reason it is so difficult to change
the course of our government is because
more than 13 percent of voters are
employed by it, 85 percent sit around
and complain about it, and less than 2
percent try to change it." R~
"...my rights are not negotiable; my
freedom is worth whatever it costs."
Lynn Johnston~ Author of Who's Afraid of
the IRS.
"Every decent man is ashamed of the
government he lives under." H.L.
Mencken~
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WHAT DO YOU THINK ABOUT OUR
NEWSLETTER?
We would appreciate your comments and
suggestions on how we can improve this
newsletter to have you read through
it--every word--, enjoy it, and make you
a more successful and profitable
entrepreneur.
Please tell your friends and colleagues
about our website and newsletter.
Thanks for your help and subscription.
Bob Koveleskie
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TESTIMONIALS
Please take time to visit our
Testimonial section and of course we
would appreciate your
testimonial--THANKS!.
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