Welcome to Fukushim Kenjin Finance

Your Guide to Intelligent Business

Here you will find a detailed account of articles on business and financing. The content here guarantees authenticity and is focused entirely on the solutions of all the obstacles that one is most likely to encounter in the business world.

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We have been a part of the business field for quite a few decades now.

Based on our experience and the articles written by some leading professionals of this field, we have created this website which aims to help out all young individuals out there who are encountered by hurdles in their way to intelligent business and better financing.

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Tips for applying for bad credit loans

Individuals who have bad credit often struggle when applying for loans and need to apply for loans that tend to have higher interest associated with them and often face punitive fines and charges when applying for credit. When applying for bad credit loans there are several factors to keep in mind which should work to improve on the process for doing so and help to obtain better overall results when applying for a loan.

Confront Your Past

When you are applying for a bad credit loan a borrower should perform some basic due diligence on themselves and understand their credit score and history. Obtain a credit report and scan through for inaccuracies and problems in your past. If there are small defaults or non-payments than consider paying them off as small defaults that may cost a relatively minor amount to address can lead to a significantly worse credit score that can be easily avoided. If minor problems like this exist, then proactively handle them before applying for debt. If your legacy debt issues are more significant, build a case history and identify how you fell into debt and what has changed so that you will be able to pay your debt going forward. Some people, as an example, have bad credit or needed to default on debt due to a medical problem or loss of job in the past, but have now turned around their situation and are better able to pay their debt going forward. Being honest with past problems and addressing the issues proactively with the potential lender can help to improve your chances of getting a loan.

Get Organized

Prepare a budget that shows your current income and expenses and identify how you will be able to comfortably be able to pay the debt back with your budget. Provide support for each item including pay stubs, rental agreements, and car loan statements, so that you can provide your lender with information regarding your ability to pay. If you have a detailed plan that addresses your ability to pay your debt than a lender is more likely to lend to you and you can improve on your chances of getting a loan from a company like Zebra Loans or others. Also, provide an explanation of how you will use the loan proceeds and any assets that you can use to pay it off if you need to.

Line Up Support for your Ability to Repay Debt

Lenders want to be repaid. Having support that shows that you will be able to repay your debt will help to improve on the interest rate you pay. Examples of things that will help you is to line up a friend or family member to guarantee your outstanding debt, pledge assets as collateral for your debt, or to have your employer verify your income and good standing in the company. These steps can make it easier to apply for debt even when you have bad credit.

Business Loans from Private Finance Groups

Banks are now replaced by private finance companies in term of providing loans to entrepreneurs who are more inclined towards the reliability of these credit companies when it comes to borrowing money as loans. There are multiple reasons as to why people prefer private finance groups and not the banks anymore.

dollar-1362244_640Easy Loan Procedure

The procedure that private finance groups offer for getting loans is very simple while the ones set up by banks have very strict and complicated policies. This makes most of the individuals stay out of the bank’s loans programs. Unlike the banks, finance companies provide loans to all sorts of business, however, small it may be, the amount though depends upon the type of business.

Guaranteed Loan

Banks tend to check the performance and strength of a business before providing loans and due to this reasons small business seldom ends up getting the amounts they originally asked for. Bank procedures for this purpose are long and troublesome and it is nearly impossible to satisfy the bank in such a manner that you get the capital you primarily asked for. Finance groups on the hand are very generous when it comes to providing loans. The finance companies even provide you with the cash in hand when required which not possible to get from a bank ever.

Low Interest

People are already tired of bank’s cumbersome process to grant loans especially when they have very high interest rates. People are interested in something which offers reasonable loans, consuming less time. For this reason, people have shifted to private finance companies because they promise a much better facility and while banks look for the business that could return with high-interest rates, finance companies focus more on something which can bring benefit to all its customers.


Banks – No more a favorite

Banks are no more considered a favorite place for acquiring business loans and this fact can easily be established by looking at all the businessmen approaching private finance companies for this purpose.   It is evident that the major reason for businessmen to approach finance companies and not the banks is to get easy loans at clearly low-interest rates as compared to those offered by the banks.  The private finance companies are always looking to help people out and for this, they have created online application forms and the option to ask for professional assistance if you seem not to understand the procedure.