KC

未來卡帳變現企業融資新途零售服務業乏抵押難借貸

2010-03-18T22:47:00.001-07:00

未來卡帳變現企業融資新途
零售服務業乏抵押難借貸
2010年03月19日

【明報專訊】香港的零售業和服務業因為普遍沒有「磚頭」，存貨又難以用作抵押，故較難向銀行借貸。若是創辦歷史不長，就更加困難了。最近，就有財務機構在香港推出新服務，讓商戶將未來的信用卡簽帳變成現金，作為一種短期融資途徑。究竟這服務有何優缺點，企業使用前又要考慮那些東西？

預資有限公司(Global Merchant Funding Limited)董事總經理單國偉表示，該公司3名創辦人(他和兩名外籍拍檔)，以及部分員工，都曾在銀行業工作。因此，他們知道銀行經營貸款服務的喜好和優先次序。

以他們所知，本地銀行最喜歡做樓宇按揭貸款(因有樓宇作抵押，而且只是借樓價七成)；其次，則是私人貸款(因有稅單、糧單作參考，必要時亦可以申請將借貸者破產)，以及有抵押(如訂單、信用狀、物業或機器等)或擔保的工貿貸款。至於零售和服務業的商戶，本地銀行其實較少貸款給它們，特別是中小規模者。

他指出，本地銀行考慮是否貸款給企業時，普遍會考慮幾個因素﹕第一，是企業有無「磚頭」(物業)作抵押。但本地的零售和服務業卻大多數都是租用舖位；第二，是要看它們的財務報表，是否有穩定的現金流等。但不少零售和服務業商戶的財務報表都做得不太好；有些則為了慳稅，在好景時隱藏盈利，當需要周轉時，銀行便覺得它往績也沒有什麼盈利，而不願意批出貸款；第三，是否已經營了3年或以上。因此，新公司特別難借貸。

貸款後每日從商戶卡帳扣數

該公司在港推出的所謂「卡帳貼現服務」(Merchant Cash Advance)，則是以折扣向商戶購買未來的信用卡營業額，預先提供資金給商戶周轉。然後，該公司則會每日從商戶的信用卡營業額中自動扣起一部分(經銀行安排)，直至收回本金及賺取差價。單國偉表示，這就好像傳統的貼現服務(廠家或貿易公司將客戶的訂單作抵押來借貸)加買賣合約。

也因此，該公司考慮商戶的申請時，最看重的是其每月的信用卡營業額，財務報表反而相對沒有那麼重要，也不需商戶再以其他資產作抵押(因該公司已買下未來某個數額的信用卡營業額)。此外，只要信用卡營業額夠穩定，即使商戶只成立了不足1年，也不成問題。

至於需否商戶的股東作個人擔保，則有時需要(如融資數額較大時)，有時不需要，視乎該公司對商戶的信心有多大(主要還是看其每月的信用卡營業額)。

批核覑重每月信用卡營業額

至於之後的信用卡營業額的拆帳比例，則可由雙方商議，可以是該公司佔小部分，商戶佔大部分；或者是該公司佔大部分，商戶佔小部分。最常見的，是該公司扣除兩成，商戶收取八成。

至於以這方式融資的金額，則由1.5萬元至500萬元都有可能，但需與商戶每個月的信用卡營業額和時間掛鹇。一般來說，該公司會計算到，商戶大約可以在4至7個月付清融資金額和差價。但因為實際的信用卡營業額多少有些變動，所以雙方簽約後，即使商戶遲了付清融資金額和差價，亦不需額外罰款。

貸款公司賺差價最低為5%

至於該公司賺取的差價，最低為5%。由於營業地點對零售業和服務業(特別是飲食業)的顧客流量相當重要，所以該公司審批時，還需要看商戶的租約還有多久到期。

撰文：薛偉傑

奇门旺字研习课程招生--3月22日(星期日) 10:00am-6:00pm，在吉隆坡马来亚大酒店正式开课Qimen Number Prediction Course

2009-03-13T08:04:00.000-07:00

http://fourpillars.ning.com/xn/detail/2009190:Event:18419

We will be conducting Qi Men Number Prediction Course on March 22, 2009 at Hotel Malaya, Kuala Lumpur, from 10 am to 6 pm.

Enrollment and registration starts today. Please book your seats early because we are taking 50 students only. We have prepared notes, seats, foods and coffee for confirmed booking. The Course is conducted in Mandarin.

Kindly call KC 012-6597910 to book your seat. We have also put one this announcement in international forum. You can check: http://fourpillars.ning.com/xn/detail/2009190:Event:18419

奇门旺字研习课程招生

(吉隆坡讯) 为了倡导正统的易经应用之学，SCS易经河洛理数研究中心特开办为期一天的奇门遁甲旺字研习课程，谨订于今年3月22日(星期日) 10:00am-6:00pm，在吉隆坡马来亚大酒店正式开课。

香港著名风水运程大师李丞责师傅曾说过：“奇门遁甲是风水中的高级应用窍门。”据道教传说，九天玄女曾将三式的兵法窍诀传给轩辕黄帝，而奇门遁甲正是三式之首，余者包括大六壬和太乙神数。是故，道门有言：“三式合一，灵验如神。”

本次研习课程特邀请来自东马的数术界后起之秀陈治玮师傅負者責教導。自龙一大师出版《奇门遁甲致富秘笈》一书后，陈师傅精研书中奥义，从中领悟出独到而实用的旺字致富心法要诀。陈治玮师傅有許多中三甲的經歷可以分享及報料。

学习内容丰富，涵盖奇门遁甲基本认知、奇门九宫求财法、万能及多多正字系統实战经验分享、如何利用流年紫白飛星、月星、日星、時星預測財運，聚宝盆49天炼制法。

這是陈治玮师傅第二次從東馬前來，因爲去年尾第一班開課時是爆滿，許多學員都有收穫，因此，要求繼續主辦，陈治玮师傅會與讀者分享他最近發現的三甲測字新系統。

有兴趣参与上述课程者，请联络秘书处：016-6078299，012-6597910。全程学费只收RM380，学员可获得的教材包括：讲义、一個午餐及一個茶點，把握机会，报名从速！更多詳情，請上網查詢http://secretofnumbers.blogspot.com/

Qi Men Number Prediction Course on Dec 28, 2008 at Hotel Malaya(Mandarin Speaking) at 1:30 pm

2008-12-22T21:24:00.000-08:00

Qi Men Number Prediction Course on Dec 28, 2008 at Hotel Malaya(Mandarin Speaking)

奇门旺字研习课程招生

2008-12-19T02:48:00.000-08:00

奇门旺字研习课程招生

(吉隆坡讯) 为了倡导正统的易经应用之学，SCS易经河洛理数研究中心特开办为期一天的奇门遁甲旺字研习课程，谨订于今年12月28日(星期日) 2:00pm-6:00pm，在吉隆坡马来亚大酒店正式开课。

香港著名风水运程大师李丞责师傅曾说过：“奇门遁甲是风
水中的高级应用窍门。”据道教传说，九天玄女曾将三式的兵法窍诀传给轩辕黄帝，而奇门遁甲正是三式之首，余者包括大六壬和太乙神数。是故，道门有言：“三式合一，灵验如神。”

本次研习课程特邀请来自东马的数术界后起之秀陈治玮师傅。自龙一大师出版《奇门遁甲致富秘笈》一书后，陈师傅精研书中奥义，从中领悟出独到而实用的旺字致富心法要诀。

学习内容丰富，涵盖河洛与先后天八卦精义、奇门遁甲基本
认知、奇门九宫求财法、实战经验分享、供奉财神科仪、聚宝盆炼制法等。

有兴趣参与上述课程者，请联络秘书处：016-6078299，012-6597910。全程学费只收RM380，学员可获得的教材包括：讲义、《奇门遁甲致富秘笈》、招财符、五行旺运CD和获赠分析一个月的旺字号码。把握机会，报名从速！

《股》领风骚与超越《孙子》讲座会订于今年12月16日（星期二）晚上8:00-10:00pm在SCS企管咨询中心开讲

2008-12-10T03:06:00.001-08:00

《股》领风骚与超越《孙子》讲座会

(吉隆坡讯) 时值全球股市低靡和经济衰退之际，惟有在实战经验中的创新思维，才能帮助我们异军突起并冲破困境。

有鉴于此，SCS企管咨询中心特举办“《股》领风骚与超越《孙子》”讲座会，谨订于今年12月16日（星期二），晚上8:00-10:00pm在SCS企管咨询中心开讲。

讲座会的主讲人是吴继宗硕士（《股票创富大赢家》作者）和王忠文老师（《易经》讲师与兵法专家）。

讲座会内容丰富，包括：从双星拱月谈全球经济走势、美国经济萧条的省钱招数、大马经济衰退的创业点子、从孙子到陶朱公的兵法演变、如何应用兵法窍诀炒股。

吴继宗也会在讲座会上分享“股市创富新方法—如何在5天内净赚50万”以及《奇门遁甲》如何探股市起伏玄机的创新方法。

他目前是首邦股票行的股票经纪，也是《光明日报》的钟观涛股票专栏，《财经》工商杂志及《新生活报》“投资兵法”的特约作者。他也受邀在988电台为大马股市作评论。他也是中奖部落格“股”领风骚主持人，即http://chartpick.blogspot.com

现场座位有限，报名人数只限五十位。有兴趣参与上述讲座会者，请以短讯报名，或联络秘书处：016-6078299，012-6597910。入场免费，只收基本讲义费RM10。

SCS企管咨询中心地址是3A Jalan SG 1/5, Taman Industri Bolton, 68100 Batu Caves, Selangor（Batu Caves 的Giant 对面）

快快清除卡债

2008-10-01T11:33:00.000-07:00

快快清除卡债

许多人受到卡债的问题困扰，原因是高涨的利息及利上加利的债务。最明智的做法是把你的卡债整合，把利息减低，以便可以在12个月，18个月，24个月，36个月及48个月或60个月清掉，而不是要花20年的时间解决。
债务整合的贷款是要协助你脱离财务困境。想一想，如果你只是每月支付300令吉而不是9000令吉，你每月的现金流不是多出8千700令吉，这样你就可以享受更好的生活品质。

我知道有一个人因为拖欠10000多令吉的卡债，多年来无法清还，但，在接受债务整合方案后，却可以在36个月内解决，而且还节省了2千184令吉44仙。如果你是一个生意人，你可以用这笔你省下的钱，来投资在你的生意赚更多钱。

有人曾对大马股市做过调查，在2000年到2005年期间，有689个股项上升超过一倍。其实，如果你投资1000令吉，而这笔钱翻十次的话，你就已经成为百万富翁。

如果你可以节省2184令吉44仙，而你可以把这笔钱转入股市，而股项的价值又会倍增的话，你会怎样？
1． RM 2184.44
2． RM 4368.88
3． RM 8737.76
4． RM 17,475.52
5． RM 34,951.04
6． RM 69,902.08
7． RM 139,804.16
8． RM 279,608.32
9． RM 559,216.64
10．RM 1,118,433.38

你在翻第九次后，就已经成了百万富翁了。所以，金钱是可以成长的，只是你知道怎样让它成长？
如果你的卡债超过一万令吉，你可以节省更多如果你可以使用分期付款计划(EPP)。

让我提出多一个例子。

如果你拥有银行的信用卡，而你的卡的上限是1万令吉，你欠的卡债是8000令吉，这8000令吉卡债，每月的利息是18%。

如果接受分期付款计划，你可以与银行协商把利息拉低至每年6.7%。每月只需支付266令吉67仙。换句话说，你每年可以节省11.3%利息。

如果你用信用卡领出一万令吉，银行会要你支付5%的支款费用，再加上18%的利息，第一年要支付的费用是23%。

如果你与金融机构协商，你可以把利息拉低至每年6.7%，每个月只付333令吉33仙，并且可以在36个月付清。
当你签署分期付款计划时，你的银行月结单不会出示你拖欠8000令吉(假设是拖欠8000令吉)，你的月结单只会出示(EPP) 1/36，RM266.67, (EPP) 2/36 RM266.67，(EPP) 3/36 RM266.67等等，你只要支付月结单的当月数目，就可以了。

我国有15间金融机构可以接受分期付款计划，让你减轻财务负担。

http://mycreditcardsolution.com/cgi-bin/lyre.cgi/jvm/package/go_homepage.html?pack_id=2476&aff_id=44

经常会问的问题

2008-10-01T11:29:00.000-07:00

经常会问的问题
1 我如何可以减低信用卡利息？
答：我做过很多研究有关信用卡的卡债方案，因此，我可以向你展示如何通过分期付款计划(EPP)去重组你的卡债，并且可以让你少付利息。

2 我可否把未付清的卡债，转到另一张零利息的信用卡呢？
答：当然可以，不过有关银行提供的这些零利息的信用卡优惠，通常是短期的，比如三个月，之后，你仍旧必须支付利息。分期付款 (EPP) 是最好的方案，它让你可以支付较低利息及每月固定的分期付款。

3 我如何完全脱离信用卡的债务？
答：你可以使用分期付款计划(EPP)去把你的卡债整合，以便可以在五年内清还你的债务，当然你必须控制你的消费习惯。
4 申请贷款去清还卡债是明智之举吗？
答：这是明智的，如果你的贷款利息低过信用卡的常年利息(APR)。

5 你是什么背景？
答：我是股票经纪，我也作股票投资的培训，当我为我的在线生意做研究工作时，我发现有些机构可以协助你减少你每月的付款，并且可以让你及早清还卡债。
6 我可否联络你；并且要求你与我分享你对如何使用分期付款计划(EPP)去迅速脱离卡债的研究报告吗？
答：当然可以。我非常乐意与你分享我的研究报告，以便可以让你节省利息的支付。你只要告诉我你信用卡的上限，你未清还的数目；我可以很快的计算，让你知道通过分期付款计划(EPP)，你可以节省多少钱。

http://mycreditcardsolution.com/cgi-bin/lyre.cgi/jvm/package/go_homepage.html?pack_id=2476&aff_id=44

You can take charge of your credit card now and say goodbye to the debt!

2008-09-29T09:08:00.000-07:00

My friend Steven Wong just wrote a guide for our fellow
Malaysians about credit card issue. Have you secured your copy
of Get Out of Credit Card Debt - Guide for Malaysian yet?

Go here now for details:

http://mycreditcardsolution.com/cgi-bin/lyre.cgi/jvm/package/go_homepage.html?pack_id=2476&aff_id=44

A lot of people have been complaint to me about their never-
ending efforts to settle the credit card outstanding. I came
across Steven Wong's latest ebook "Get Out of Credit Card Debt"
and I told them about this.

After they read the ebook guide on how to "Get Out of Credit
Card Debt", right now they are more relief and believe they
are on their way to financial debt free.

They are many questions been asked, and here I would like to
let you know some of the FAQ, continue reading below:

Q1: How do I reduce / refinance my credit card debt?
First, you must consolidate your debts into a lower interest
rate plan, work out an affordable repayment amount, and be
discipline in paying off the loan amount monthly. Plus, you
must learn how to manage your spending by adopting a habit to
clear off your credit card outstanding at the end of every
month and don't let it accumulate again.

Q2: I would always like to maintain more than 2 credit cards
with the objective of keeping them for emergency purposes only,
but it turn out that I use them even during normal shopping
just to enjoy the incentives and points accumulation. This
habit is making me worried as I could not clear off my debt
as I targeted before. Please advise.
Yes, there is nothing wrong to keep credit cards for
emergency use. Why don't you consider saving some cash for
the same purpose while still having your credit cards?

Don't you think cash in your hand is better than your credit
cards? Cash is present money, credit card is future money,
and using future money is much more risky than using present
money.

I agree with you, it is tough to clear any accumulated debt
but still you have to do it. You can stop using the credit
cards for any shopping just because you want to accumulate
the points. Change your habit of spending, pay by cash instead
of credit card unless you have no choice i.e. emergency.
Always make it a point to clear your card outstanding at the
end of every month.

Q3: I've been told that one of the ways to settle my debts is
to transfer my balance to another credit card, which offers
me a certain interest free period.

Does it really help me to save money or it is just another
ploy for the banks to get us to switch? Will this work? Most
people are mislead by the concept of balance transfer. By
transferring the balance from one card to another one, it does
not reduce the debt. It only postpones the repayment period.

The incentive of interest free period usually works for a
short term period (i.e. 1-3 months only) and help you to
reduce little interest only. Most of the time, the credit
card holders will feel relief after they have completed the
balance transfer and happy to pay the minimum amount.

However, once the interest free period is over, you will be
charged the normal interest rates again. Bear in mind that you
will still need to settle the outstanding amount. Unless you
can pay back more during the interest free period, otherwise
you are just merely slow down the repayment period and later
work like mad to pay off your debts. Majority of the people
who fail to see this, and they ended up paying more in future.
You should consider method like EPP, It will not only help
you to save on the interest rates, it can help you to change
your mindset into putting more effort to repay your
outstanding amount, instead of paying only the interests.
Eventually you will be able to get out of debt.

Get Out of Credit Card Debt is the most complete Credit Card
Debt Consolidation guide you can found in the market. You will
be able to know the damn easy way to save thousand dollar of
interest and payoff your credit card debt in 3 years or less.

There are total of 20 FAQ you can find out from this ebook on
how to pay of your credit card fast.

Go here now to secure your copy before it is sold off:

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I hope you will be like many of my friend get out of credit card
debt soon. See you!

Regards,

KC Goh

P. S. This guide has help many people save thousand dollars of
credit card interest and it is only sold for RM78/USD25. Hurry!
obtain your copy before it is sold out.

http://mycreditcardsolution.com/cgi-bin/lyre.cgi/jvm/package/go_homepage.html?pack_id=2476&aff_id=44

Learn more about Credit Card Solution

2008-09-28T08:39:00.000-07:00

Hi,

This is KC GOH here with a quick reminder:
Have you secured your copy of Get Out of Credit Card Debt
- Guide for Malaysian yet?

Go here now for details:

http://mycreditcardsolution.com/cgi-bin/lyre.cgi/jvm/package/go_homepage.html?pack_id=3153&aff_id=44

My friends and relatives have been asking me about Steven
Wong's latest ebook "Get Out of Credit Card Debt" which he
wrote about how he can save RM 2,184.44 credit card interest
and settle RM10,500 outstanding amount in just 36 months.

Based on the survey Steven Wong has made in April 2008, most
of the people tend to ask the similar questions about how to
payoff credit card debt. I think it would be easier if you go
through some of the FAQ below and see if you are too, looking
for the answer for your credit card debt:

Q1: How do I save / reduce my credit card interest rates?

The best way is to look for options that offer lower interest
rate, restructure your credit card debt and make the effort
to pay off the outstanding promptly. Alternatively, you can
consider the (Easy Payment Plan) EPP which offers the benefits
mentioned above. For more info, please refer to the EPP
section in the ebook.

Q2: Is there a way to reduce or skip on the interest charges
on the credit card debt? Secondly, when our credit card debt
accumulated to the point of where we are not able to pay it
off immediately, what will be the plan or solution with the
minimum interest charges for us to pay off our debts?

EPP provides a way to restructure your credit card debts by
converting it into a lower interest repayment plan. With the
fixed installment amount, you will surely know when you are
able to fully settle the loan. The fixed installment amount
is also lower than the 5% minimum monthly payment set by
credit card companies.

Q3: Currently I'm using the balance transfer method with 12
to 24 months option. Is it the same methodology?

Nope, it is not the same method we mentioned here, although we
do have a section highlighting the best balance transfer offer
from the banks.

Q4: How can we have 0% interest monthly repayment when paying
for one outstanding credit card with another credit card?

Many of the 0% interest offered by credit card companies are
for short term repayment i.e. 3 months or less, after that
you will still need to pay the interest on the outstanding.
You can consider EPP which offers you a lower fixed interest
rate and with fixed monthly instalments.

Get Out of Credit Card Debt will reveal you how to save
thousand dollar of interest and payoff your credit card debt
in designated 18, 24, 36, 48 or 60 months.

There are a lot more tips to give you an idea to be the master
of your credit card again!

Go here now to secure your copy before the price goes up:

http://mycreditcardsolution.com/cgi-bin/lyre.cgi/jvm/package/go_homepage.html?pack_id=3153&aff_id=44

Until then!

Regards,
KC GOH

Get out of Credit Card Debt Fast

2008-09-26T11:46:00.000-07:00

Many people have had trouble with credit card debt because of rising interest rates and mounting credit card debt. The sensible thing to do is consolidated your credit card debt, reduced your interest rate so that you will be able to settle in 12, 18, 24, 36, 48 or 60’s months period and not take you twenty years to pay off.

Debt consolidation loan is designed to help you pull yourself out of financial difficulties. Imagine, if you only pay RM 300 per month instead of RM 9000, you would be freeing up a lot of cash flow and you will enjoy better life style.

I have known a case where this guy is able to save RM 2,184.44 interest and is able to pay off the credit card debt within 36 months. If you are a businessman, you could use this money you saved to invest in your business and make more money.

A survey has been done in Malaysian stock market between year 2000 to year 2005, there were 689 counters double their values. If you invest RM 1000 and if your money were to double 10 times, you will become a millionaire.

With the saving of RM 2,184.44, what will happen to your investment if you were to direct this fund to the stock market?

1. RM 2,184.44
2. RM 4,368.88
3. RM 8,737.76
4. RM 17,475.52
5. RM 34,951.04
6. RM 69,902.08
7. RM 139,804.16
8. RM 279,608.32
9. RM 559,216.64
10. RM 1,118,433.28

You will become a millionaire the 9th times when you roll your money. So, money can grow if you know how?

If your debt is more than RM 10,000, you will be able to save more money if you were to engage with easy payment plan (EPP).

Let me give one more example.

Suppose you are holding a bank Credit card and your limit is RM 10,000. Your outstanding amount is RM 8000. With this RM 8000, you are paying 1.5% interest per month and yearly interest charged is 18%.

If you were to take up an easy payment plan, you could negotiate the interest rate to as low as 6.7% and you only pay a monthly payment of RM 266.67. In other words, you are saving 11.3% per year.

If you were to do a cash withdrawal of RM 10,000, the bank will charge you 5% cash withdrawal fee and 18% interest coming up to 23% for the first year.

Again, if you were to negotiate with the financial institution, you can arrange to secure the interest rate to 6.7% per annual for a duration of three years. In other words, you monthly fixed repayment will be RM 333.33 and you can pay off your debt in 36 months.

When you signed up for the easy payment plan, you will not see your outstanding of RM 8000 in your bank statement, instead every month you will see EPP 1/36 RM266.67, EPP 2/36 RM 266.67, EPP 3/36 RM 266.67 and so on and you just pay the outstanding amount.

There are 15 financial institutions than can do the easy payment plan.

Frequently asked questions

2008-09-26T08:37:00.000-07:00

1. How do I reduce my credit card interest rates?

I have done a lot of research on credit card solution and therefore I am able to show you how to restructure your credit card debt under the Easy Payment Plan(EPP) which can save you a lot of interest.

2. Can I transfer the outstanding credit card to another credit card with 0% interest monthly repayment?

Of course, you can. However, these 0% interest offered by the financial institutions are normally for short term repayment only, for example, 3 months and after that you will have to pay the interest for the outstanding. EPP is probably the best solution because it provides you with a lower fixed interest rate and with fixed monthly installments.

3. How can I completely get out of my credit card debt?

You must make use of EPP to consolidate your debts so that you could pay off your debts within 5 years and you must also control your spending habit.

4. Is it advisable to get loans to settle credit cards debt?

Yes, it is perfectly alright if your loan interest is lower than the credit card Annualized Percentage Rate (APR).

5. What is your position?

I am intermediary of the Stock Market and I am also doing stock market training. When I was doing research for my online business, I found out there are actually companies that can help you to reduce your credit card monthly payment and get you out of credit card debt many years earlier.

6. Can I call you and ask you to share with me your research on how to get out of credit card debt fast under the Easy Payment Plan?

Yes, of course. I will be glad to share my research with you so that you will be able to save a lot of money in your interest payment. You need to tell me your credit limit and the amount outstanding in your credit card, I can give you the calculation in a few minutes.

KC

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