Value Capital Funding - September 2020 800-944-6280 SEPTEMBER 2020


INTRODUCING OUR $100 RESTAURANT GIFT CARD PROGRAM! VCF Has Adapted How We Give Back to the Community During This Pandemic Financing Forum

Every year, our family at Value Capital Funding finds ways to give back to our local community — usually by participating in local events, like the annual Alzheimer’s Walk for a Cure, Habitat for Humanity builds, and runs for the Arthritis Foundation. We’ve also done fundraisers for Women in Distress and local toy drives during the holidays. We love pouring our hearts and hands into volunteer work, but unfortunately, a lot of these activities have been suspended in consideration for public safety (rightfully so!). While the COVID-19 pandemic has hit nonprofits hard, it has also impacted nearly every other industry, especially restaurants. According to the National Restaurant Association, nearly 2 out of 3 restaurant employees have lost their jobs, and the industry will sustain nearly $240 billion in losses by the end of 2020. Restaurants in nearly all states were mandated to close for some period of time, and upon reopening, most were only able to open with limited capacity. So with that in mind, we created a program that we think is a win/win situation for you and for a restaurant in YOUR local community. Value Capital Funding … Get to Know Us Better Value Capital Funding specializes in helping small- business owners nationwide restructure their business debt. This results in payments that are 40%–60% lower than what they are currently paying, without damaging either their personal or business credit. Ninety percent of applicants are approved, and payments are lowered within just days of initial contact with us. We show you what your new debt payments will be so there’s no guesswork involved. Please visit our webpage at to learn more about how these strategies can help your business today. At Value Capital Funding, we don’t accomplish the impossible — we only accomplish what seems impossible.

When you receive a customized Debt

Restructuring Offer Sheet from us showing you what your new, dramatically lower debt payment will be, we’ll give you a $100 gift card to a restaurant of your choice in your local community, whether or not you become our client! It’s as simple as that. YOU pick

the place. WE buy the gift card. So, while we’re helping you lower your debt payments, you’ll be able to support a local business in your community, on us. The gift card is yours to enjoy anyway you want … curbside pickup, takeout, delivery, patio dining or indoor seating. We started this program in the beginning of June, and it’s been met with immense success so far. The positive, and sometimes emotional, reactions of our business owners have truly touched us. We’ve even had people give their gift cards away to family members or friends to pass on the love. This program is our way of giving back to the local communities of our clients across America. We are so excited with the success of the gift card program that we have decided to continue it indefinitely. Naturally, we’ll continue to participate in local backyard events once it’s safe to do so, but we’re proud to say the Community Gift Card Program is here to stay. From everyone at Value Capital Funding, we want to thank you so much for all of your support and making all our services possible! Have a wonderful September.



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Pam Marmon understands what it means to adapt. After growing up in Bulgaria, Marmon had to modify her way of living when she emigrated to the U.S. Today, she’s a CEO, entrepreneur, wife, and mother who believes that change doesn’t have to be difficult. In fact, she’s mastered it. Marmon has even established a company, Marmon Consulting, that helps other companies develop strategies for executing transformation. Pam Marmon’s Outline for Effective Post‑Pandemic Transformation CHANGE CAN BE EASY


In Marmon’s book, “No One’s Listening and It’s Your Fault: Get Your Message Heard During Organizational Transformations,” she outlines her proven methods for effective communication in any company setting, from a major corporation to a family business. Released on March 24, 2020, Marmon’s advice is timely in a period when many business owners are searching for proactive solutions and the next step in finding post-pandemic success. Marmon’s book is the perfect guide for

business leaders who recognize the need for tangible change and want to execute it as effectively as possible.

It’s always a great question for parents to ask themselves: How do we continue our children’s education at home? And, in a time when homeschooling or hybrid education is becoming more popular and even necessary, we’ve had to take on even more of those responsibilities at home. If you’re looking for some extra tips to augment your effort to help your kids, here are a few ideas to get started.

The key, Marmon explains, is to identify your company’s culture and cater your plan’s language to suit what will resonate with your employees the most. This will establish a sense of alignment with your business’s vision and direction, which can be one of the biggest hurdles to overcome. You cannot achieve success in a period of change if your team is doubtful and unwilling. With your company united toward your vision, you can begin to enact real change. However, this is only the beginning. Marmon’s book also outlines how to connect with fellow leaders in your company to develop a framework for growth. By creating a stable foundation and inspiring change, you’ll find this time of major transition to be much smoother than you may have anticipated. As a result, your company will come out on top at the end of the COVID-19 era. Marmon’s mantra is inspiring: “With the proper process, change is not hard.” And with her book, “No One’s Listening and It’s Your Fault,” business leaders can see just how simple change can be.


Dedicate a space in your home specifically for homework! Try to make it feel as comfortable and personable as possible for your child so they’ll actually use it. You might find that the homework station works better in their room or near the kitchen. It all depends on if they can focus in silence or get distracted by certain noise levels and types. Organize the space with labeled bins, and let your child participate in decorating it.


Whether you have to double-check your child’s homework or sign permission slips, making yourself an “inbox” for your kids to use can help them always remember


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Who says a loaded potato has to clog your arteries? In this healthy version that serves four, a sweet potato base is topped with fiber-rich bean salsa.

assignments and paperwork. You could use a folder or a standing paper/folder holder that only costs a dollar at a local dollar store.


• 4 medium sweet potatoes • 1 15-oz can black beans, drained and rinsed • 2 medium tomatoes, diced • 1 tbsp olive oil • 1 tsp cumin • 1 tsp coriander • 3/4 tsp salt • 1/4 cup sour cream • 1/4 cup fresh cilantro, chopped


Although your kids might not be doing presentations at school as often as before, you could still buy extra supplies at home for them to put together anything they need without late-night, last-minute trips to the store (especially in a time where frequent store trips may still be discouraged).



1. With a fork, prick each sweet potato a few times. Microwave the potatoes on high 12–15 minutes, or until cooked through. 2. In a microwave-safe bowl, combine the beans, tomatoes, olive oil, cumin, coriander, and salt. When the potatoes are done, microwave the mixture on high for 2–3 minutes. 3. Cool potatoes slightly, then cut each potato open lengthwise. Pull the halves apart to create space to spoon the warm bean salsa inside. 4.Add a scoop of sour cream to each potato, garnish with cilantro, and serve!

It’s easy to keep track of your child’s day with a written aid — for both you and your child! Best of all, if you use a dry- erase board, you won’t have to rewrite most of the board every week, and you can just change the days. No matter what strategies your family uses, the most important part is gauging what will work best for you and your child. We hope these tips will help your family stay organized this school year!

Inspired by



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Inside This ISSUE

1 2

Introducing Our Community Gift Card Program!

How to Enact Effective Change Keeping Kids Productive This Back-to-School Season at Home

3 4

Easy Stuffed Sweet Potatoes

3 Fun Family Activities for Fall


3 Fun Family Activities for Fall


It’s fall, which means social media will soon be saturated with pictures of your friends enjoying “classic” fall activities. Photos of leaf peeping, apple picking, and the occasional scarecrow run rampant. But rather than following the herd, you can make your family the trendsetter of unique fall activities! Here are a few outdoor endeavors your family will love.

planted in the fall. Do a little research with your family to determine the best time to start planting in your area.

It’s time to freshen up those family pictures hanging around the house. The changing leaves provide a beautiful background for any family portrait. Better yet, the cooler temperatures mean that an outdoor photo shoot won’t be nearly as uncomfortable as it would be in the summer. You can take your pictures by the trees in the front yard or make a daytrip of it. What about pictures at the corn maze or pumpkin patch? It’s never too soon to start planning this year’s holiday card.


Here’s one that’s really off the beaten path: Take your family on an adventure panning for gold! Start by planning a road trip out to an old ghost town. Many of them have great tourist attractions that include gold panning. You probably won’t get rich, but it will still be a fun story. If you’re not able to make the trip, you can always create a gold panning operation at home! Visit activity for a great step-by-step guide on how to go panning for gold in your own backyard.


Fall is the time for harvest, but if you want to enjoy flowers in the spring, it’s also a time for planting. The cooler autumn air is easier on plants, but the soil is still warm enough for roots to grow before the ground freezes for winter. Tulips, daffodils, and hyacinths are all spring bulbs that need to be

Spend this fall outdoors and create great new memories with your family!


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