Shell Beach Capital

COVID 19 and YOUR Business There is a lot of confusion surrounding the differences between the Economic Injury Disaster Loans(EIDL) and the SBA Paycheck Protection Program. What are the terms of each? Which is better for your business? Can you get both? The SBA was supposed to release final PPP regulations on 4-3-2020, but did not. Here is what we currently know about each of these loans:... For EIDL Apply directly through the SBA at sba.gov Loan amount up to $2,000,000 3.75% interest rate for For-Profit companies 2.75% interest rate for Not-For-Profit companies Loan term not to exceed 30 years Uses: payroll, fixed debt, accounts payable, other expenses that can’t be paid because of the disaster’s impact Only available in states with SBA approved declarations of disaster For PPP Apply through SBA approved lenders Loan amount up to $10,000,000 Interest rate of 1% No payments for first 6-12 months, then a two-year term loan Unsecured and no personal guarantee Eligible for loan forgiveness Loan proceeds are only for payroll support including medical leave, costs related to health benefits, employee salaries, mortgage payments, rent, utilities, insurance, and any other debt payments incurred before 2/15/2020 Relief loans are not eligible for business acquisition, real estate purchase, or other typical 7(a) proceeds, but may be eligible for business debt refi’s stay tuned Borrower SBA Guarantee Fee will be waived No prepayment penalties Contact us NOW to make sure you get the right loan for your business. 805-458-5069 or [email protected]

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Insurance Coverage Issues-by Dan Harkey While attempting to complete a loan transaction a borrower questioned why the lender required the property owner/borrower to obtain full replacement cost coverage on a rental dwelling, rather than a fractional amount that would save you money. The property consists of land, physical structures, appurtenances such as fencing, patio covers, and garage. While considering hazard insurance it is understood that the land will not burn down o...Continue reading

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SBA 504 rates are at the lowest ever. 3.5 to 4%! We’ll say it again SBA 504 loans are HOT right now. With the lowest debenture rates ever, more and more business owners are taking advantage of the 504 loan program to create wealth through commercial real estate ownership. If you’re keeping up, I’m sure you’ve seen MANY folks parade the lowest rates ever. You’re going to keep seeing that, too, but here’s why you should call Shell Beach Capital first: We’re overflowing with... experience. There’s a reason why our lenders specialize in SBA loans- specialization is necessary to be the best. My go to prime SBA lender has closed over 5,780 SBA loans, totaling over $23 billion. This isn’t their first rodeo. We also have a subprime SBA lender that will look at projects others won't consider. FICO below 680, forget SBA options at 99% of the lenders out there. Not ours. We have the same goals as you. We know how frustrating it can be to go back and forth with a bank or lender who’s just wasting your time, trying to look busy. We ONLY get paid if your loan closes, so we have the same objective: get it closed quickly and efficiently. We value time, yours and ours. Like I said, we want your loan closed as quick as possible. That’s why our prime lender developed software that can approve your commercial loan in as little as 2 hours. It can’t get much easier than that. I highly encourage you to take advantage of these rates, but they’re only as good as your lender. Make sure you’re borrowing from someone who knows what they’re doing, can close your loan efficiently, and has the same mindset as you. Let Shell Beach Capital finance your business commercial property to ensure you really are getting the best deal. Have any questions or concerns? That’s what we’re here for. Feel free to give me a call, or send a quick email. I’d be happy to go over any details with you to see how we can help you succeed.

Shell Beach Capital is extremely proud to announce our new relationship with Regal Assets. RA is a leader in precious metals investing, and now have a way to invest a portion of your IRA or 401(k) in cryptocurrency! Here is an interesting piece regarding where some experts believe Bitcoin is currently. Need more information? Head over to www.bitcoinira.finance now! Welcome to the Investment Era of Bitcoin By Anthony Bertolino... This is the first part of a continuing series where we will present cutting edge educational materials that prove we have recently entered the Investment Era for Bitcoin and have left the realm of pure speculation. Bitcoin is the first scarce digital object the world has ever seen. It is scarce like Silver & Gold, and can be sent over the internet, radio, satellite etc. We can now utilize models to try and track where fair value might be. Spoiler Alert: Bitcoin looks like it will be going much, much higher in the coming years! Lesson #1: Stock to Flow Stock-to-Flow Ratio is defined as existing inventory compared to annual production. While the economic utility of a consumable good (ex: Oil) is created when it is destroyed or used up, the utility of investment assets like Bitcoin and Gold lies in their possession and later resale. Stock to Flow Bitcoin has proven to have the highest Stock to Flow of investable assets which shows increasing scarcity. Dictionaries usually define scarcity as ‘a situation in which something is not easy to find or get’, and ‘a lack of something’. This scarcity is due to the fact that Bitcoin has unforgettable costliness, because it costs a lot of electricity to produce new Bitcoin. Based on this new Stock to Flow model, Bitcoin fair valuation is currently around $9,000 and is on track to hit $50,000 next year. If we look further out to 2023, it predicts Bitcoin being valued at more than $100,000 per unit. Bitcoin Blocks We are excited to welcome you to the Investment Era of Bitcoin. If you want to learn more, fill out the form at www.bitcoinira.finance to get your free, no-obligation Bitcoin IRA rollover kit from the nation’s most experienced and proven gold retirement company the award winning Regal Assets.

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Interesting read by my colleague Dan Harkey. Time Wasters in Mortgage Lending. The #1 time-waster in the real estate lending business occurs when a borrower’s mortgage broker calls or emails about a loan request, but has little, or no knowledge about the proposed loan transaction. They convey no information about the borrower’s qualification, or the relevant details about the security property. Why do some mortgage brokers merely transport a file with no inquiry? The borrowe...Continue reading

With all of the shortcomings of govt run healthcare, here is a true patient based system. It is in it's infancy so providers are few, but this is an example of what FREEDOM OF CHOICE can mean. https://jointhewedge.com/

I am very happy to announce my new partnership with AB Nicholas. A. B. Nicholas Securities Finance is proud to present the most secure, safe, feature-rich professional securities loan program in the market today, available to all, but built originally for the special requirements of the franchise and commercial real estate client. "We approached the task of creating the perfect stock loan differently from our competitors. Instead of trying to sell them on what the bank wanted to do, we started with what our clients wanted. Then we engineered our securities-based portfolio loan program from the bottom up, assuming nothing was impossible, until we had the perfect loan program and the best licensed institutional lenders and advisers ready to deliver it." The result? LeverageLine. See more about it at shellbeachfinancial.com.

Please visit the totally redesigned Shell Beach Capital website and let me know what you think. shellbeachcapital.com. Thanks!

From MJ Business Daily-The U.S. Food and Drug Administration noted that cannabidiol shouldn’t be a controlled substance, but international treaties require the ...United States to treat it as one, the federal agency said in a 27-page memo written after it approved the first drug made with CBD earlier this year. CBD has negligible potential for abuse, wrote Dr. Brett Giroir, the assistant secretary for health in the U.S. Health and Human Services Department, FDA’s parent agency. Giroir noted that CBD doesn’t meet the description of even the least-restrictive class of controlled substances, Schedule 5, but that international drug treaties require the nation to control the cannabis extract. If those treaties were to change, he added, the above recommendation would need to be revised promptly. The letter was written to advise the U.S. Drug Enforcement Agency about how to classify CBD. Before then, the DEA considered cannabis extracts to be in the most restrictive class of drugs, Schedule 1. The letter was dated May 16 but made public Friday, after the DEA announced that FDA-approved cannabis drugs with no more than 0.1% THC could be classified as Schedule 5. Currently, that definition only applies to Epidiolex. The DEA said that cannabis extracts with more than 0.1% THC will remain on Schedule 1. Epidiolex is manufactured and sold by London-based GW Pharmaceuticals, which derives the extract from marijuana and trades on the Nasdaq as GWPH.