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About Us
Integrity Business Re-Search (IBR) was started for the purpose of conducting financial research for businesses that need a straight forward lender or investor – after all you understand your business but finding seasoned investors is time consuming and frustrating. Our consultants work with research centers, commercial, private and public. IBR has worked with underwriters, banks, trade associations, lawyers, accountants, insurance companies and government agencies both domestic and international.
IBR will explain our procedures in locating, questioning and evaluating your possible lender, investor or research center. We do not collect up-front fees and only receive a commission when your project funds. To insure your project will be handled in a timely manner, we register up to 30 new clients each month. |
The Process
In order to represent your new or existing business, we will ask you a distinct group of questions, i.e. business history, staff and management history, trade references, business growth, assets and liabilities and more. Has this project been rejected in the past? If so by who and why? Our office will not contact any possible lender or investor without a clear, precise business plan. In order to consider your project we must evaluate the following 5C’s for business credit:
CHARACTER, CAPACITY, CAPITOL, COLLATERAL, COMMON SENSE
Investors look for Grade A people with grade B projects, not grade B people with grade A projects
Business Questions you need to explain
Investors start underwriting after 5 questions have been presented, answered by you and evaluated by us.
Table of contents Sales and promotions
Executive summary Realistic financial goals
Business information Your market
General Notes
RESEARCH > Our Research is based on the business and personal information you provide. When we receive and evaluate this information we will decide what financial centers, lenders or investors we will contact. IBR’s main concern is to make sure your project is not over exposed. Small projects can receive offers with terms within 3 business days whereas larger projects can take up until 30 days before offers are received.
LOCATE > When we locate a funder who shows serious interest in your industry and they are under contract with us we obtain the necessary information and guidelines needed for underwriting. We then ask the lender when we will receive a Letter of Intent (LOI) or a firm offer for your review.
QUESTIONS >
“What Will You Do, “When” “What If Happens?”
Investors for your business need to know you can identify and solve your daily business problems. Is your business experiencing low sales, market changes, management problems, poor cash flow, advertising not working, low cash reserve, cannot service the debt and more? The “What if” of questions are designed to assist underwriters as to back-up procedures to keep your business in a positive cash-flow. These questions come from IBR and the lenders/investors we are working with. Underwriters agree these questions carry more weight than your spreadsheets or business figures past or present.
ADVICE > The advice you receive from IBR will not guarantee investment offers. We offer practical, institutional and personal opinions. In order to represent your business it may be necessary to contact your accountant, attorney and other persons working with your project.
IBR’s first contact with all investors is crucial so we must be able to satisfy 90% of their questions and show them your potential business growth.
Past Research Projects
Domestic projects start at $50,000.00
International projects start at $1,000,000.00
Conclusion
Business opportunities and growth are created and built over time by people who understand integrated financial projections. Whether you are a new business or an established business superior management and future planning is absolutely essential.
Ignoring the future of your business by not planning accordingly and your business may ignore you. “What you do and how you do it is what really matters.”
Improving Business Through The Power Of Research
Our Privacy Policy
Integrity Business Re-Search respects your privacy and the information you provide. We use reasonable care to protect your information from loss, misuse, unauthorized access, disclosure, alterations and damage to your records. We do not release business or personal records without your consent. We abide with all domestic and international privacy laws.
CHARACTER, CAPACITY, CAPITOL, COLLATERAL, COMMON SENSE
- Character > Borrower’s integrity
- Capacity > Cash flow to service the debt
- Capitol > Borrower’s net worth
- Collateral > Assets to secure the debt
- Common Sense > Good judgment
Investors look for Grade A people with grade B projects, not grade B people with grade A projects
Business Questions you need to explain
Investors start underwriting after 5 questions have been presented, answered by you and evaluated by us.
- Do you know your market {pv +mkt = fv}?
- Do you understand your business financial picture {bfp}?
- Do you have a good marketing plan {gmp}?
- Do you have a strong management team {smt}?
- Do you have a 9 point business plan {9pbp}?
Table of contents Sales and promotions
Executive summary Realistic financial goals
Business information Your market
General Notes
RESEARCH > Our Research is based on the business and personal information you provide. When we receive and evaluate this information we will decide what financial centers, lenders or investors we will contact. IBR’s main concern is to make sure your project is not over exposed. Small projects can receive offers with terms within 3 business days whereas larger projects can take up until 30 days before offers are received.
LOCATE > When we locate a funder who shows serious interest in your industry and they are under contract with us we obtain the necessary information and guidelines needed for underwriting. We then ask the lender when we will receive a Letter of Intent (LOI) or a firm offer for your review.
QUESTIONS >
“What Will You Do, “When” “What If Happens?”
Investors for your business need to know you can identify and solve your daily business problems. Is your business experiencing low sales, market changes, management problems, poor cash flow, advertising not working, low cash reserve, cannot service the debt and more? The “What if” of questions are designed to assist underwriters as to back-up procedures to keep your business in a positive cash-flow. These questions come from IBR and the lenders/investors we are working with. Underwriters agree these questions carry more weight than your spreadsheets or business figures past or present.
ADVICE > The advice you receive from IBR will not guarantee investment offers. We offer practical, institutional and personal opinions. In order to represent your business it may be necessary to contact your accountant, attorney and other persons working with your project.
IBR’s first contact with all investors is crucial so we must be able to satisfy 90% of their questions and show them your potential business growth.
Past Research Projects
- Medical groups
- Bahamas
- Bulk real estate packages
- Private jumbo loans
- Restaurants
- Entertainment
- Transportation
- Equipment leasing
- Factoring
- Private investments
- Debt restruction
- Account receivables
Domestic projects start at $50,000.00
International projects start at $1,000,000.00
Conclusion
Business opportunities and growth are created and built over time by people who understand integrated financial projections. Whether you are a new business or an established business superior management and future planning is absolutely essential.
Ignoring the future of your business by not planning accordingly and your business may ignore you. “What you do and how you do it is what really matters.”
Improving Business Through The Power Of Research
Our Privacy Policy
Integrity Business Re-Search respects your privacy and the information you provide. We use reasonable care to protect your information from loss, misuse, unauthorized access, disclosure, alterations and damage to your records. We do not release business or personal records without your consent. We abide with all domestic and international privacy laws.