Value Capital Funding -July 2020 800-944-6280 JULY 2020


Financing Forum


payments more affordable — and that it takes only days to do so — it can seem too good to be true. Truthfully, debt can be such a paralyzing experience, so we understand this reaction. Currently, there’s some relief from the Paycheck Protection Program and the Coronavirus Aid, Relief, and Economic Security (CARES) Act, but those programs don’t address much of the debt that many small businesses carry. We understand the stress you’re under. When your debt payments aren’t in line with your revenue, you think about it in the shower, in the car, in the kitchen talking with your kids, in the yard playing with the dog, even in bed late at night. You probably even check your business bank balance first thing when you wake up. If this is you, we can help, even if you’ve missed payments or are in default. There are thousands of stories like this playing out in businesses today. Your lenders may be providing temporary relief, but with most states opened for business, that leniency is about to end. And with many lenders drawing payments directly from your business bank account, if you have cash flow issues, this can be a real problem. Recently, we had an opportunity to help a fire restoration business. Before the pandemic, the owner’s cash flow was good and her payments were on time. Then COVID-19 hit, and her revenue dropped significantly. Payments were still due, but they were harder to keep up with. Her debt was over $300,000, and she was repaying over $26,000 a week to her lenders

when she came to us. She desperately needed to restructure her debt.

Value Capital Funding is a family-run commercial financing firm

After only a few days of working with us, her weekly debt payments went down to $10,000. That’s a 60% reduction. Imagine what a tremendous relief this was to her. Many of the business owners we’ve helped say the next step for them would’ve been bankruptcy. Restructuring your debt is a permanent solution that stays in place until the debt is fully paid. Unfortunately, many business owners aren’t even aware that it’s an option for them, but it is, even if you don’t have great credit. So, what is “debt restructuring” exactly? It’s changing the terms of your loan agreement to reduce your payments, which allows you to keep more money in your business. It’s completely doable with the right expertise. We don’t accomplish the impossible — we only accomplish what seems impossible. Resting a bit easier doesn’t have to be too good to be true. Thank you very much for reading our very first newsletter, and from all of us at Value Capital Funding, we look forward to serving you.

with decades of experience in the field. Barry and Ferne have been

in the financial field for years, helping both mom-and-pop businesses and individuals. After a while, they started looking for a change of pace. They’d always wanted to go into business with Jeff, Barry’s brother, but with Jeff’s career as a mortgage loan originator and the couple’s diverse clientele keeping them busy, the timing never seemed right. But once it was, the three created Value Capital Funding and started seeing results right away.

Value Capital Funding specializes in business debt restructuring.

When we say we help restructure your debt to make your



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Tips for Celebrating I KEEPIN’ IT COOL O Since the start, Americans have celebrated the Fourth of July together as families and communities. Although we generally tend to focus on the huge local fireworks displays on Independence Day, with many shows canceled this year, we’re left wondering: What will make the Fourth of July special this year? Despite the tremendous challenges 2020 has presented, we can still find so many worthwhile answers to this question, such as the extra quality time we get with our loved ones. Here are some tips to help you celebrate the Fourth of July at home.

Sometimes, a little change can go a long way. Walmart illustrated this perfectly when the megachain decided to switch to using more energy-efficient lightbulbs and cheaper floor wax. Those two simple substitutions have cut the company’s annual costs by $220 million. Of course, with thousands of stores nationwide, even the smallest savings will have a multiplying effect for a corporation like Walmart, but this lesson can still be applied by small-business owners looking to grow. As a business owner, it can be tempting to lose yourself in the big picture. Milestones like helping more clients, launching new marketing campaigns, and opening another location are the exciting investments that really get a CEO’s blood pumping. But beneath each of these major decisions, there are many minute changes that could save your company time and money. What standard operating procedure (SOP) needs to be made more efficient before you bring on a larger client load? Which social media site will give you the most bang for your marketing buck? How much more will you be spending on toilet paper with two locations? It’s tempting to overlook the minor details, but tackling these inefficiencies could save you more than you expect. If you aren’t one to pore over every expense report and crunch the numbers, you’re not alone. The good news is that most likely, there are members of your team with the perspective and knowledge to help you out. This is especially true when it comes to day-to-day operations. Employees are great at noticing redundancies in SOP, underutilized spaces in the office, and other areas where money may be wasted. Empowering your team to speak up when they notice these money-saving opportunities can do wonders for your bottom line. Saving a few hundred dollars per year on things like lighting and floor wax may not sound impressive, but that’s money you can put toward improving your employee retention, customer experiences, and marketing effectiveness. In today’s competitive market, even the smallest changes can give you a vital edge. How Small Savings Can Make a Huge Difference GROWING YOUR BUSINESS? CHANGE THE LIGHTBULBS


So many American dishes are synonymous with the Fourth of July, but why not try something new and exciting like a homemade s’mores bar? Set up an outdoor firepit, or even use the fireplace, and deck out a nearby table with skewers, marshmallows, graham crackers, chocolate, and any fun flavor variations of those ingredients you’ve been wanting to try. You could even add Nutella or peanut butter to spread on the crackers before you craft your campfire treat.


Recently, due to the pandemic, lenders have stopped lending because they view this economic environment as too high risk to lend to most industries. This is a problem for small-business owners in general, but especially for those with high-cost debt who might believe the only way to get out of their high- cost loans is to get a new, lower-rate loan. How is anyone supposed to keep up with the payments otherwise? The truth is that you don’t need to do that. Debt restructuring can dramatically reduce your debt payments without having to apply for a new loan, and it’s a far less painful process.


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Independence Day at Home ON THE FOURTH OF JULY START A RED, WHITE, AND BLUE WATER BALLOON FIGHT! For many places in the country, July is a very hot month. Why not cool down with some water-filled patriotic balloons and a bit of friendly competition? There are tons of ways to utilize your backyard to create obstacles or hiding places for an exciting battlefield. Maybe you’ve got a few tires you could stack or a jungle gym you can use to create a safety dome! The whole family can get involved, have fun, and — better yet — cool off while you do it.



Many people think they have to be professional musicians to enjoy playing or singing music, but that simply isn’t true. Even the most simple efforts can create beautiful memories with loved ones. And let’s be real: American music is so good, it’s beloved around the world. From your favorite pop classics to the “Star- Spangled Banner,” there are plenty of songs to celebrate at every Fourth of July party. Gerald Stanley Lee might have put it best when he said, “America is a tune. It must be sung together.”

From everyone at Value Capital Funding, we wish you a happy Independence Day!

INGREDIENTS • 2 medium ears of corn, shucked • 1 jalapeño or Fresno chile, seeded and thinly sliced • 1/2 red onion, diced • 1 large tomato, cored, seeded, and finely chopped • 1/4 bunch cilantro leaves, sliced • Juice of 1 lime • Kosher salt, to taste ROASTED CORN SALSA


the process? With a long-term plan for recovery, you’ll come out leaner and meaner as a business. It truly puts you back in control of your finances, and business owners tell us they feel like they can conquer the world again. That mindset alone can change the whole game. It doesn’t take a lot of information to get the process started. At Value Capital Funding, we can

In case you aren’t familiar, debt restructuring is a process of readjusting the terms of your loan to match your current cash flow and avoid bankruptcy. This may entail extending the term of your loan or lowering the interest rate or a combination of both. Why would creditors want to do this? Well, it can be far more profitable for them than if you went bankrupt. More often than not, it’s a win-win for both parties. It just takes the right expert to show you how to navigate the process.


1. Heat a cast-iron skillet to high. Char corn, turning occasionally, for 10–14 minutes until kernels begin to blacken in spots. 2. Using a sharp knife, remove corn kernels from cobs and transfer to a large mixing bowl. 3. With a wooden spoon or potato masher, gently crush corn to release starch and juices. 4. Add jalapeño, onion, tomato, and cilantro. Mix to combine. 5. Top with lime juice and season with salt. 6. Serve alongside your favorite tortilla chips.

get you started on your path to debt restructuring in just days. If you are interested in learning more about debt restructuring, then please let us know. We are available and ready to help!

When small-business owners ask us about debt restructuring, we remind them that the best question they can ask themselves is this: Where will they be at the end of

Inspired by Bon Appétit



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Inside This ISSUE

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Welcome to the Value Capital Funding Family! The Money-Saving Methods Most Entrepreneurs Overlook Tips for Celebrating Independence Day at Home A New Loan Isn’t Always Your Only Option Roasted Corn Salsa Stay Accountable With a Virtual Wellness Challenge

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How to Implement a Virtual Wellness Challenge BE YOUR BEST SELF WITH THE HELP OF OTHERS

week to meet via a video call to share wins and setbacks, discuss necessary changes to the challenge, plan for the next week’s challenge, and offer encouragement. If you really want to up the inspiration, determine a prize to be awarded to the person who actively participates the most. Just be sure you have a tangible way to record and share those results, like video evidence of the activity. A wellness challenge shared among friends and family is a great way to work on your physical or mental well-being and stay connected with loved ones when you aren’t able to visit them in person. That kind of consistent personal connection can be wellness in and of itself.

the challenge is carried out virtually, participants have more freedom and flexibility in their routines without missing out on any of the social interaction that makes it fun. GET STARTED Every challenge should have a quantifiable goal depending on the theme. Challenges like working out for 30 minutes a day, getting seven hours of sleep at night, eating 1 cup of leafy greens with every meal, or meditating for 15 minutes every day are all great examples. Whatever it is, the target should be clear and reasonable in order to encourage maximum participation and low burnout. STAY ACCOUNTABLE Treat the challenge like you would a weekly book club. Set a time every

A lot of people struggle to keep up with a regular wellness routine because they lack accountability to hold them to it. Whether it’s exercise, meditation, or healthy eating, if you go through the process alone, it’s that much harder to will yourself to see it through. But at a time when isolation is still one of the best ways to stay healthy, how can you involve others in your wellness plan? The answer is simple: Create a virtual wellness challenge! UNDERSTAND THE PROCESS A wellness challenge cultivates healthy competition among participants that keeps them motivated to stick with their wellness regimens. Challenges can be fully customized depending on the goals and abilities of those participating, and when


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