I just wish every bank, mortgage company and all other money hoarding institutions were dissolved. THEY are the reason this country is fucked up. THEY are the reason the economy sucks, there are no jobs and everyone is fucking broke.
EXCEPT the money hoarders themselves, of course. He who has the gold makes the rules.
We have about $50k in assets. We have credit cards with about $8k+ available credit w/ no balances. We have no debt!! Nick makes $65k for fuck’s sake!
Yet we can’t qualify for even the most modest loan to start up our business. Nothing. Nada. We don’t “qualify” according to SBA standards. What are those standards you ask? GOOD QUESTION. I got lame ass excuses like “not a good business to go into”, “you have had a bankruptcy”, “your score is 150 and it must be over 170 by SBA standards” and the best: “your credit cards are too full”. Really? Zero balance is too full for you, huh? Credit in the 700s is too low for you, huh? You don’t like to fund restaurants, huh? Funny, that is not what I was told in the goddam class I paid $140 to attend. The SBA claims to exist to help small business, but apparently ONLY if your small business is already started up and profitable.
I am so fucking irritated with this country. The fucking money hoarders fucked everything and everybody without lube, but I am the bad guy for saving myself. We got rid of horrible debt and a house worth 30% of what we paid for it TO START OVER. And we did! We are over three years out, debt free and our credit scores are good. But does any of that matter? NOPE. Donald motherfucking Trump has bankrupted MULTIPLE times. I’ll bet HE can get a fucking loan.
The very entity that is supposed to encourage new business startups [SBA] doesn’t want to lend money to the people who are trying to START UP a business! They want you to have six months under your belt first… Um. It’s hard to have six months of business records when you can’t get the money to start the fucking business. Chicken and egg. Old white men fucking over EVERYONE.
I just hate the whole fucking racket. The American Dream is a fucking LIE. You can do everything RIGHT and still have nothing to show for it. We are pretty much fucked at this point. We have the idea and the know how to do it, but with no money, we can’t get started. It’s a bitter fucking pill.
I WILL NOT GIVE UP. There has got to be a way to make this happen. Traditional banks can eat a dick. We’ll just have to find another way. Anyone need a kidney?
Broke motherfuckers start up businesses every day. Broke motherfuckers borrow money every fucking day. It’s too bad I’m not black and I can’t prove my Native American status. Just being female is not enough to “qualify” for any help whatsoever. It’s ridiculous. THIS is why there are so few white female entrepreneurs. WE CAN’T GET ANY HELP!!
I’ve given myself a headache. A rage headache. And I still can’t make my pub happen. This sucks ass. >:(