Small Lending Business

[OD]

question for lenders, in such cases where you commission an insider from the company where you do business with, how much is the usual percentage do you give the collector?

[sette112096]

^^ maybe you can set aside part of your tubo, example, 50% consider it as tubo talaga while the other 50% i-roll mo na lang at yun ang ipa-utang mo. para sa ganon, may nakikita ka na pera mo, hindi lahat nasa pautangan.

[betty]

question for lenders, in such cases where you commission an insider from the company where you do business with, how much is the usual percentage do you give the collector?

yung sa call center friend ko, sya na nagpatong ng tubo nya.

sette, will try that, thanks

[jmeangeL]

6% sa akin, 4% sa collector ko
simply put, 10% a month

about naman sa pagpapa-ikot ng pera; nagset ako ng target
for example, target mo is 50k ang nakalabas at natubo
iyon lang ang lagi kong i-replenish
kung may natapos na 10k, then dapat may ilabas ulit na 10k to keep the 50k na target

lahat ng excess ay tubo ko na.... weeee!

as time comes, maaari na ring lumaki ang target mo from 50k to 75k to 100k and more

[briefcasediva]

To all our sisses, who's into this. I'm looking for another provider kasi ayoko na dun sa pinagkukuhanan namin. Sobrang they fail sa pagaalaga ng clients nila.

Please PM me your requirements (proof of income, IDs etc) and rates on your end. Short term lang. 2mos. to pay. PDCs issued. Have no qualms starting with a small value with a foreseeable business relationship. If you  know how to take care of your clients, Great! I can refer you to our HR and other companies. To give you an idea, Entry level Positions sa amin earns around 18k min - up. Architects. Engineers. etc.

Thanks for reading! 

[jubeken2005]

Sa mga interesado sa ganitong business, tandaan nyo muna na:
"WALANG NAKUKULONG DAHIL SA PANGUNGUTANG!!!"

Kung mag-oopen ka na isang lehitimong lending business, kaylangan ito ay may permit mula sa munisipyo, rehistrado sa BIR at DTI.
Kaylangan rin ng 2M capital at duly registered sa Bangko Sentral.
Lahat ng transaction ay dapat may resibo at may kaukulang kasunduan.
Iyan ang dahilan kung bakit maraming 5-6 sa Pilipinas.

Sa 5-6 kaylangan mo lamang kausapin ang taong uutang at magkaroon ng kasunduan kung papaano ang magiging sistema ng bayaran.

ROI is super fast.  For example, I have a capital of 4000 and lend it to A and B at 2000 each with an interest of 6% per month for 2months.
The payment is every 15 and 30.  560 for Person A and 560 for Person B.

[2000 + (2000 x 6% x 2)] / 4 = 560

On the 15th of the month, person A and B will each pay 560.  I will have 1120 on hand and decided to lend the 1000 to person at 6% per month for 1month. 

[1000 + (1000 x 6% x 1)] / 2 = 530

On the 30th of the month, Person A and B will each pay 560, while person C will give 530.  I will then have 560 + 560 + 530 + 120 on hand or 1770.  I decided to lend person D the 1500 at 6% per month for 1month. 

[1500 + (1500 x 6% x 1)] / 2 = 795

On the 15th of the 2nd month, Person A and B will each pay 560, while person C will give 530 (person C is now fully paid), person D will pay 795.  I will then have 560 + 560 + 530 + 795 + 270 on hand or 2715.  I lend 2500 to person E at 6% for 2months. 

[2500 + (2500 x 6% x 2)] / 4 = 700

On the 30th of the 2nd month, Person A and B will each pay 560 (fully paid), while person D will pay 795 (fully paid), and person E will pay 700.  I will then have 560 + 560 + 795 + 700 + 215  or 2830

You can go on and just keep the ball rolling.  You can notice that after 2months, I have earned an interest of Person A (60 * 4), Person B (60 * 4), Person C (30 * 2), Person D (45 * 2), Person E (75 * 4) or 930.  My capital is still intact, since I'm just lending it from 1 person to the other.

Sis ask ko lang kasi diba sabi mo sa example mo na 6% per month.

Sa mga interesado sa ganitong business, tandaan nyo muna na:
"WALANG NAKUKULONG DAHIL SA PANGUNGUTANG!!!"

Kung mag-oopen ka na isang lehitimong lending business, kaylangan ito ay may permit mula sa munisipyo, rehistrado sa BIR at DTI.
Kaylangan rin ng 2M capital at duly registered sa Bangko Sentral.
Lahat ng transaction ay dapat may resibo at may kaukulang kasunduan.
Iyan ang dahilan kung bakit maraming 5-6 sa Pilipinas.

Sa 5-6 kaylangan mo lamang kausapin ang taong uutang at magkaroon ng kasunduan kung papaano ang magiging sistema ng bayaran.

ROI is super fast.  For example, I have a capital of 4000 and lend it to A and B at 2000 each with an interest of 6% per month for 2months.
The payment is every 15 and 30.  560 for Person A and 560 for Person B.

[2000 + (2000 x 6% x 2)] / 4 = 560

On the 15th of the month, person A and B will each pay 560.  I will have 1120 on hand and decided to lend the 1000 to person at 6% per month for 1month. 

[1000 + (1000 x 6% x 1)] / 2 = 530

On the 30th of the month, Person A and B will each pay 560, while person C will give 530.  I will then have 560 + 560 + 530 + 120 on hand or 1770.  I decided to lend person D the 1500 at 6% per month for 1month. 

[1500 + (1500 x 6% x 1)] / 2 = 795

On the 15th of the 2nd month, Person A and B will each pay 560, while person C will give 530 (person C is now fully paid), person D will pay 795.  I will then have 560 + 560 + 530 + 795 + 270 on hand or 2715.  I lend 2500 to person E at 6% for 2months. 

[2500 + (2500 x 6% x 2)] / 4 = 700

On the 30th of the 2nd month, Person A and B will each pay 560 (fully paid), while person D will pay 795 (fully paid), and person E will pay 700.  I will then have 560 + 560 + 795 + 700 + 215  or 2830

You can go on and just keep the ball rolling.  You can notice that after 2months, I have earned an interest of Person A (60 * 4), Person B (60 * 4), Person C (30 * 2), Person D (45 * 2), Person E (75 * 4) or 930.  My capital is still intact, since I'm just lending it from 1 person to the other.

Sis ask ko lang kung ito ba ang standard computation kapag magpapautang? Like for example magstart ako magpautang ng 15th at 5% interest lang yung gagawin ko tapos every 30th of the month lang ang singilan paano yung computation?

[jmeangeL]

jubeken, already sent you a PM on how to do it

kahit monthly pa yan or yearly same pa rin ang computation

interest = principal x %rate x number of months or years

total = principal + interest

let us substitute interest on the total equation

total = principal + (principal x %rate x number of months or years)

bakit may divisor? na /4

kasi gusto ng client ko na bayaran ng 2 buwan pero 4 gives, kaya hinati ko sa apat ang total

mahirap ang 1 time payment lalo na kung 1 buwan bago magbayad... tulog ang pera mo nito

kung every 15days magbabayad, ehh di may pera ka ulit para ipa-utang naman sa iba

[silvermist07]

Hi..newbie here. my bf & I are planning to have this business. Guidelines nman from some of our sisses on how to start... it is ok to get the ATM card ng borrower? sure & safe ba un? I have a friend kc working sa bank & she told me na some of their payroll account client nangungutang in exchange of their ATM but after  they will declare sa bank na stolen [textspeak!] ATM card nila kaya un cla pa din [textspeak!] nakakawithdraw ng salary nila. anyone who experienced this situation? TIA...cencia na..

[jmeangeL]

^---maraming gumagawa nyan pero isipin mo na lang kung anong uri ng tao sila.  ito ang mga tao na huwag na huwag mong pauutangin dahil marami silang utang sa ibang tao at hindi marunong magbayad

i'm more than a year in this business, hindi pa nangyari sa akin yan

bihira ako kumuha ng atm ng tao, only for those na uutang ng 5k pataas at hindi ko kasama sa trabaho

else, usapang tao lamang...

kung alam nila na maayos kang kausap at hindi nagagahaman sa pera, mga maaayos lang din ang uutang sa'yo

[betty]

kung alam nila na maayos kang kausap at hindi nagagahaman sa pera, mga maaayos lang din ang uutang sa'yo

i agree...

tip lang din if the bank their using has an online banking din, open ka ng account sa same bank ng payroll nila. para transfer via online na lang, no need to go to the atm. less risk pa.

[silvermist07]

kung alam nila na maayos kang kausap at hindi nagagahaman sa pera, mga maaayos lang din ang uutang sa'yo

oo nga sis..thanks!

[betty]

fat no more, whats the requirement? di ba mahirap?

[cristal28]

sis fat no more ako din interested jan. how can i apply? and okay ba yung payment? how does it work?

[betty]

is this different from the SM Kapartner program?

[jamie_0117]

Na-excite ako sa idea pero ang laki din ng risk.

When you say "small" lending, how small is small? 5k per utang?

[betty]

fatnomore, for the guarantor card, you dont get any members right? no downlines at all?

[FatNoMore]

fatnomore, for the guarantor card, you dont get any members right? no downlines at all?

Yes sis! It is your option sino ang card holders na i aapprove mo
No downlines at all . May application fee and card 50 sa form 100 sa processing fee,good for 1 yr or 2 yrs ang expiration depende sa iaapprove mo

[betty]

uyy nice yan ha.....panong payment? i mean, do they pay directly sa bank or through you?

[cristal28]

sis fat no more additional info naman about the sm guarantor... pano yun invite ko mga frends ko if they want to apply ng card? ganun ba yun?

[angeleyed_princess]

nag ta try ako hanapin sa internet about this sm guarantor card pero wala akong makita... gusto ko sana malaman tungkol dito...
baka may link kayo pa share naman po...tia