AlternativeManilaFolder.com

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The site’s purpose and a description of our service

Introductory message
This is the website for a b2b credit-assessing service, and it is meant to convey information about who we are and what we do. In addition, this site is intended to fulfill the function of allowing visitors to provide us with their contact information so that we may communicate with them through email or by talking on the phone. During your visit, there shouldn't be any cookies, ads, or surprise redirects. However, please let us know if you experience any of the aforementioned inconveniences.

Summary of our service
The process begins with a business requesting to be assessed. An Alternative Financing Agent will then be assigned to the business who will guide the owner/s through the two phases of the assessment that is described in the "What we do" section of this site. Depending on the results of the assessment, the AFA will either approach alternative lenders to discuss financing solutions or advise the business on methods to improve its credit.

Values

  • All people who contact us will receive the same consideration for service regardless of any characteristic of who they are or what their business does.

  • Our primary objective is to assist clients with becoming more knowledgeable, and our goals will change over time to better achieve this objective.

  • We will make every attempt to communicate effectively, and try our best to remedy any and all misunderstandings.

  • Efficiency is paramount, and every effort will be made to provide a thorough and useful service to businesses.

An explanation of exactly what it is we do here

  • A few manila folders lying on a desk.
    Two-phase assessment

    AlternativeManilaFolder.com takes on the responsibility of assessing a business’s creditworthiness on behalf of contracted financing organizations known as “alternative lenders”. In an attempt to not set anyone up for failure, all businesses are assessed on their individual characteristics, as opposed to being categorized by industry or product. Please note that the assessment is not perfect, and lenders may not be able to make an offer to a business regardless of what it may reveal.

  • Two notebooks and two pens, ready to be used.
    Phase 1: Interview

    An Alternative Financing Agent will be assigned to a business to conduct an interview to learn more about its defining characteristics and financial wellness. Additionally, questions will be asked to get a better idea of the plans for the financing. The questioning itself is not standardized, because the AFA is required to preliminarily evaluate the business, and determine whether it meets current lending criteria or not.

  • A stack of papers in disarray.
    Phase 2: Documents

    Based on the information gathered in Phase 1, the business is provided a list of documents that need to be shared with the AFA using a secure method. The documents on the list typically include business bank statements, and are inspected for authenticity after they are received. If the documents are genuine, then the AFA will assemble a “credit package” for the business that will be sent to lenders for their consideration.

  • Folders, notebooks, pens, and papers uniformly organized inside an open briefcase.
    Distributing credit packages

    Please keep in mind that no two business borrowers are the same, and no two lenders are either. The credit package provides information to alternative lenders about a business’s creditworthiness, but the lenders use their own formulae and criteria to make decisions about them. Regardless of how the credit packages look to the lenders, at the very least they will lead to the lender making an offer; requesting more information; or declining to provide financing.

*Please click below for further explanation of a few key terms italicized above:

All lending begins with the borrower’s credit, and at its simplest, credit is a "score." However, establishing creditworthiness requires a borrower to be interviewed, provide financial-wellness documentation, and even have an underwriting analysis done.
Questions asked during the interview are meant to better understand the business as a whole, and consists of questions about what the business does and how borrowing capital would assist with its initiatives. The answers to the questions are not only meant to evaluate creditworthiness, but allow an AFA to better recommend next steps for the business regarding its financing efforts.
The AFA is required to thoroughly inspect the documents received from the business owner, and ensure that they are authentic and have not been changed. As such, they will guide the business owner through the method for collecting the documents so as to make every effort to have the process go smoothly and efficiently.
Unlike “Traditional Lenders”, alternative lenders are more versatile. They are small and medium sized sales-financing companies that employ lean operations to better compete with industry behemoths. Alternative lenders have a reputation for possibly approving a business who has had their request for financing declined by a traditional lender. The reason for this flexibility is because some will consider lending to a borrower that already has a debt obligation or two.

Methods available to contact us

Our business hours are: Monday - Friday from 9:00 a.m. to 5:00 p.m. Central Time

Information typed below is processed and delivered to us by the company Formspree.io.

*Contact methods are in order from shortest response time at the top to the longest at the bottom, and may change at any moment.

Request a reply email:

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Request a phone call:

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(Phone calls are made sometime before the last 20-mins of the slot)


Message me directly with LinkedIn.com:

Click here for the public profile.


Call or Text the "Recorded Greetings" line:

*Sometimes an agent is available to receive communication through the RG line, but it primarily records greetings made with a phone call or messaging app.

1-855-292-3090

Descriptions of a few lending products

*Lending products are customized to borrowers. As such, these descriptions are intended to be a starting point for research, and do not refer to specific offers available.

Term loans are your standard loan. All loans have “terms”, but the generic term-loan label can be modified by saying, “Short-term,” “Long-term,” or “SBA”. These loans have a clearly defined interest rate, time-frame, and repayment conditions. Additionally, the interest is calculated using the entire amount of the loan as soon as the funds are transferred to the borrower. SBA loans are guaranteed by the federal government’s Small Business Administration where they essentially act like a “co-signer” on a term loan offered by a private lender.
The equipment that a business uses could be leased, or become collateral to “secure” financing. Equipment leasing allows a business to use equipment without having to purchase it outright, and sometimes it is also maintained by the provider. However, if the company has equipment already, they can increase their creditworthiness by “tapping” into its value and using it as collateral. Equipment is not only a company’s vehicles, and could take the form of tools, devices, and instrumentation as well.
A line of credit is a lending product that allows businesses to borrow capital, “as needed”. They are extended to businesses by a bank, supplier, or credit card company. Lines of credit have “limits”, but interest is only calculated on the amount that has been used by the business. Using a “secured” line of credit is a recommended way for a business to build its creditworthiness.
When a business does invoice factoring, they sell invoices that are not due for at least 30 days to a lender. This is considered an “accounts receivable,” lending method, and allows a business to have immediate access to a percentage of the future payments they are supposed to collect. Of course, not every company uses invoices, and for merchants that receive payments through credit card transactions there is a product known as a, “Merchant Cash Advance.” This ‘advance’ involves a lender using a business’s recent sales as an indicator of future sales. MCAs are highly flexible, and will inject working capital into a business in a relatively short amount of time.


*The below lending products are used for financing that involves real estate.

Unlike a mortgage, a “New Build” and “Fix ‘n’ Flip” loan are short-term. New Builds finance projects from the ground up, whereas Fix ‘n’ Flips are for rehabs or conversions. These loan transactions have shorter turn-around times and flexible terms that work for a borrower; not against them.
Property acquisition loans are designed with the investor in mind, and are usually short-term. The loans consider the potential gain from the acquisition, and offer payback options that fit within the borrower’s strategy. Acquisition loans are sometimes combined with development and construction loans. A long-term acquisition loan exists though, and is known as a DSCR Loan, which stands for “Debt Service Coverage Ratio.” This loan requires a lender to use a property’s potential for generating income to determine the terms of the loan.
Commercial development and construction loans are also considered short-term, but they are designed to finance larger-scale projects. A development loan can be referred to as a “land loan,” and involves transferring funds up-front for operations. Construction project plans consist of many nodes though, and therefore construction loan funds are transferred incrementally as the nodes are completed. If before the project begins there are gaps in the financing, then “mezzanine financing,” could be considered to offer an incentive to lenders to fill the gap.
Real estate refinancing is not so much a product as it is a strategy for businesses. By refinancing, a business is able to restructure their financing to lower payments and maybe even take equity out of a project. By approaching a lender with a property that has healthy financial metrics, a business is able to work with a lender to create a refinance solution that fits within their overall objectives.

About us

To be honest, this section should probably be called, "About me," because as of right now AlternativeManilaFolder.com is a sole-proprietorship. With that said, my name is Nich R. Babb, and I filed paperwork in Nevada to create AlternativeManilaFolder.com after I took online classes about alternative lending and business credit. I studied finance in college, but had never actively worked in the finance industry.

Most of my professional life has involved working as a caregiver for adults with intellectual or mental health disabilities. It was great work, and taught me a lot about being patient. It even lead me to go back to graduate school to obtain a Masters in Education so that I could become a teacher for students with learning disabilities. However, towards the end of 2022, my long-time companion passed-away, and it tore me up both inside and out. As a result, I decided to change careers to a profession that did not require the same amount of emotional commitment needed to work with intellectually or mentally disabled people.

While considering my career goals and options, my mind kept going back to my college days of finance. I mean, “...it's 'finance,' nothing could be more void of emotion, right? It's all just numbers and calculations..." I thought maybe that I would learn how to code, and then combine my finance knowledge with cybersecurity. But as I mentioned, I took some online classes on alternative lending, and it really appealed to me because there was that human element associated with it. Working with people was something that I got used to doing while I was a caregiver.

I guess what it comes down to is that I have many transferable skills that relate to this type of work. The way I designed this operation was so businesses are not just going to be another file or folder on a desktop. I will work to become apart of the solution for your business, and do what it takes to earn your respect.

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