Thinking about operating a business is not everything. You have to start. Working capital although plays a key role in getting all the necessary components required for operating a business, but I was looking for something else that would help me learn to secure financing for any type of business. To say banks seems the most suitable for this. But I feared that what If they start questioning various things about my business. It is not a bad thing, but sometimes they start doubting over little things. This is why I then immediately went to the black onyx lending team, who made me realize whether lending or leasing equipment is right for my business. This might sound boring to many, but if you wish that your business must flourish, you need to be aware of such important things. Besides it, they helped me in making the availability of money through various non-traditional lending sources which probably fulfilled my business-specific needs. Then what was there slowly and steadily my business also started catching pace like other lending agencies and today I am glad that I consulted the black onyx team because if I would not have done this, then probably I might not have been able to progress so much. read more

It all happened a few years ago when I kick-started my business. To say so, the whole business was in my control and everything was going fine. But I wanted to keep the company's equipment under my authority. I went to many consultants, but unfortunately no one was able to give me an effective solution until I met the black onyx lending team. I had worked with them before and that's why I visited them again, hoping that they would not let me disappoint. So as I was in desperate need of advice for keeping the company's equipment under my control as a whole. I let them know about it and explained them properly. They of course suggested me a suitable option for it, but that was not enough for me. I needed guidance on practical work as well. Well, as they came to know about it, they started connecting me with those lenders with whom financing can be secured. But you know what we managed to connect with those lenders too with whom the management of the business can be operated efficiently. Now, what could have been better than this to me? Thanks, blank onyx for helping me out. You did such a big favor on me which I can never forget. read more

During the initial years, my organization was able to cover all the aspects of financial resources. But as they say, with time, we get to understand the twists of various aspects. After some years of struggle, it seemed like we were experiencing the same. Although it was not that complicated, still as we all know how important is to secure funds and manage their release. This raised a question in front of us. Well, I was not the one to let things get worse. So I straight went to the black onyx lending team, who so far had resolved all my business issues, and this time also when they took control into their hands. Everything got set up once again and started running like a miracle. Yes, monitoring and controlling the expenditures was a bit difficult. But once they secured the investment required to complete the work, budgeting and cost control became so easy with which we were able to predict the cash flow much better than before. Everything became possible due to the efforts made by the black onyx lending team. Otherwise, it would have been difficult for us to manage all this. read more

The business was going fine, and then a time came when we started feeling the need for cash flow and working capital. Although this was not such a big problem, but here the question was about business. So I did not make any delay in consulting the black onyx lending team. Now they are such types of consultants who don't bother helping their customers, and on that day they once again proved it by making me aware of asset-based financing. Yes, it is the only solution to cover up the cash flow and working capital needs and fortunately, the black onyx team helped me determine which transaction can be right for my business. Of course, all this was quite hard to understand. But they made sure to remove all my doubts on this part and also guided me through the transactions at every step and then a time came for which I was waiting all these years. My business got access to all types of financing. In addition to it, when my business started experiencing a high level of customer service my joy knew no bounds. The black onyx team is truly an important asset for every business owner. read more

No matter how much anyone says that capital is the only thing to run a business. Business financing solutions will remain the second most important approach to run a business. I got to know about it from the black onyx lending team, who told me that having this at your side can put you in the driver's seat. Then whether you are looking for a business loan for purchasing the equipment, or for whatever else, it plays a very key role in obtaining these. As I was planning to lease equipment, they first made sure how many types of equipment I am interested to finance. Then they made it clear how much financing will I need for all this. Yes, I got a little worried about hearing the approximate amount, but they supported me at every step including the financing, and also let me know how it can help me in growing my business. Yes, it took some time to reach a level, but today I can say this with a claim that if I am one of the leading businessman from being a small town struggler. It is the efforts of the black onyx lending team, who helped me and my business to reach new heights. read more

Black Onyx and John Sims ate Frauds. Scammers to the core. They will promise to love you project, Have a lender/investor lined up and ready to close in 30 days, but then require a 5 to 20k deposit for(fees). In my case over 18 months later no loans, no investors, and many many lost opportunities and much credibility with brokers. My "contract" even stated fully refundable deposit if project was not CV closed in 90 days. But no refund (yes it was requested in writing via registered mail, email, fax, and phone) had ever come. Many time John has said it's on it's way. But it never does. Except a bad Check a few months back for a fraction of the refund due. Bad people John Sims and Diane Cole! Bad Company Black Onyx! Oh and the good reviews on their website are not real. They finding the companies and owners listed. They are common names that bring up dozens of similar companies. But when you call the multiple people none has ever heard of the listed owner or Black Onyx. FYI a class action Suite is pending. Search Black Onyx Class action to join. read more

I was aware of substantial tax advantages, from which businesses could benefit after leasing the equipment. Still, I thought of consulting the black onyx lending team because most equipment leases are structured and what I wanted was to write it off with the annual lease payments. Besides, as there were restrictions in the tax laws, it was quite difficult for me to write it off like any other legitimate business expense. When I met the black onyx lending team, they told me about "off-balance-sheet financing" and undoubtedly, this gave my business a tremendous advantage. Since then I have not asked for any approval from the management to get the equipment my business needed. In addition, as my business was not that big enough so I did not need to show additional debt on the balance sheet and it also gave me a chance to borrow money in the future if something bad happens. Overall, what I can say is the black onyx lending team better knows how to take care of their potential buyers. Otherwise, businesses shouldn't be craving solutions from them. read more

Unfortunately, a bank can't provide a loan even if a company needs it right away. However, I was still left with one choice to make additional bank credit possible by guaranteeing accounts. After all, I had the Black Onyx Lending team by my side. With factoring, they of course helped me get immediate cash within hours. However, one thing was still there, which was making me feel worried from the inside and it was how to use my hard-earned cash without having to wait to collect from customers. Thanks, to the accounts receivables financing options, about which the black onyx lending team made me aware. It not only created collaterals for a cash advance. They even made my path clear for future borrowing. The best part was, it became the biggest asset for my company with time and I did not even realize when I started expanding and accepting more orders and was finally able to grow my business. With purchase order financing and the guidance of the Black Onyx Lending team, this dream certainly became true for me for which I couldn't be happier. read more

To say, we had a business plan. But unfortunately, I was not able to develop an understanding of the company's core operations and competitive advantages. This is why I started looking for a business consulting agency that can provide me some strategic direction on how to structure, run and grow a business. Very grateful to the black onyx lending team, who offered me a helping hand at that moment when I needed it the most. It is not like I did not know them. I was just not able to get the courage to meet them, the way I misbehaved with them in the last meeting. But now as they were with me at that moment, I just decided to make the most of it. They also guided me with the right strategies that were aimed at how the business will execute. Furthermore, they gave me a sound business plan by which I got sufficient time to properly plan for the future. It sounds a bit selfish, but it built the right foundation for my team and also helped in accelerating results. read more

My business was indeed going damn well. But as they say in business there comes the need for a loan at one time. So like every businessman I also went out in search of it. After all, the only priority for me was to secure financing at that instant. This is why I started getting in touch with many lenders, but it seemed like there was no one to offer loan support for my business. Then fortunately I got the chance to meet the black onyx lending team one day. To say, I got to meet them through one of my friends. But still, it felt as if God had listened. The very next day when I went on to them and told them about my problem, on that very day the real task began. With their strong network of lenders, they started conducting a wide search. Luckily we found some lending partners who were willing to offer SBA loans at reasonable rates. I know how lucky I am and no doubt I truly feel grateful for the opportunity I got from the black onyx lending team. read more

Planning to start a business can be easy. But the main struggle starts with obtaining the financing. Despite trying a lot of ways, when nothing worked in my favor, I started feeling like whether I am doing right by choosing a business. Well, as they say never give up. I decided to make things right and luckily I also got reminded about the black onyx lending team with whom I worked once. My previous experience with them has been outstanding enough. This was why I visited them on the very next day. Their team greeted me, in the same way, the day we first met and you know what? They keep knowledge about all types of financing. What I had needed more? Apart from guiding on competitive pricing, they suggested me some financing options which not only sounded great but also helped my business to flourish. Today I am glad that I achieved what I used to dream about and I wish that the black onyx team grow more and keep serving us like this always. read more

How simple is working capital? Take your current assets minus your current liabilities and the difference should equal your working capital. Unfortunately, it was not that simple if I talk about my company and the reason was negative working capital. Due to this, my company was facing difficulties in getting growth. Yes, I had that spark still inside me who was getting me excited to make it positive, but I needed a consultant who can give me a bit of guidance. I had already made things wrong and I did not want to repeat the same mistake. Black onyx lending team with whom I have worked before not only helped me in fixing the minor mistakes, their ultimate way of directing proved a u-turn to my business. Lastly, they also annualized the bottom line, to let me avail the benefits of positive working capital. Can't understand how to thank them? But their efforts truly boosted my business and helped it in scaling new heights. read more

My financial managers would have helped me in negotiating the term loans if we would not have been confronted by the stone wall from commercial banks. These restrictions also screwed over expectations of ensuring repayment for our company. But our objectives were still clear. Yes, somehow achieving them was not. Still, as the black onyx lending team was by my side, I had some hope. As for the past many years, they have been saving my business. There is no one else like them and on that day when I told them about this problem. The next day they reached out to me just like a friend and helped me to deal with the borrowers. Seeing them working, it appeared as if they are meant to be for this purpose and done it with perfection and not only this. With their arrival, everything just turned into a mystique. Say anything but they very well how to tackle any kind of situation. Otherwise, we would not have been here today. read more

In business, nothing feels more depressing than having the scarcity of funds and it is not like I did not try to sort out this problem. To be honest, I even applied for a loan. But as we all know that a commercial bank can't provide loan funds a growing company needs, I was left in despair. Thanks, black onyx lending team, who changed this despair into a ray of hope, or what I can say is? The thing which the banks were not able to do so far, black onyx did that for me with such ease. They provided me the sources of funds for operating expenses and future growth thereby guiding me about factoring which was the only way for me to get immediate cash. Yes, things were bad and I was even thinking about future borrowing. But factoring brought such a u-turn that it improved my cash flow and now I a thinking of accepting more orders to grow my business. Truly, how time changes, although I was a bit lucky for sure. read more

Say anything, but it is only the working capital than can lead to the company's growth. Yes, it is quite simple, but only then, if you are aware of the calculations included in it. Otherwise, the only choice that remains is to consult a business consultant. Like I did 2 years back when my was facing a hard time while growing. Despite all our efforts, we were not able to maintain a positive score in working capital, and when I came to black onyx lending for help. They not only handled everything like a child's play but also brought my business out of the problems in no time. I will always keep appreciating them for this. Plus the way they guided me on how to turn the cash from working capital to grow my business? It helped me a lot in getting the most out of this option, and no doubt, I achieved a positive score in just a few years. Thanks to the black onyx team for the relentless efforts they put in. read more

I was considering a purchase of commercial real estate and when the black onyx lending team was offering me up to 90% financing. Why would I have turned down such an opportunity? Yes, some were very surprised that whether I will even be able to obtain financing in such a manner. To be honest, I also didn't have an idea, whether I will be able to get it done. But credit goes to the black onyx lending team, who have provided capital to hundreds of start-up businesses as of now and gave me access to all those types of financing which I probably needed for lending purposes. Besides, they offered me a high level of customer service with which I realized why many business-owners value business consultants so much and anyways it was their guidance that helped me avoid all the penalties, and now I believe that as far as business is concerned, there are no more surprises for me anymore. read more

Doing your homework and going to the right bank is of course a great start for commercial lending negotiations. Though it does not sound enough when I applied for a non-obligation loan; a type of loan that is usually secured by collateral. Of course, I followed the necessary instructions and tips. But things were like nothing was working in my favor. Now as I was not in the state of any more delay, this is why I can't resist asking it from the black onyx lending team to whom one of my friends introduced me. Yes, they were a bit surprised when I put this question. Yet they assured me full cooperation and in just a couple of days came with the news that gave me relief, the issuer was convinced and we were looking for the borrower for further compensation. Truly they prove as a real savior for me and are amazing with any type of financing works. read more

Purchasing commercial real estate would have been easy. But when I went for it the first time, I realized how complicated it can be. I mean the documentation, financing, and all. They started making me worried until I met the black onyx lending team. They truly have a very strong network and through that, they have provided consultancy to hundreds of startups worldwide. Well, I was the next on the list. Ultimately they allowed me to obtain the financing by giving me access to different channels. Yes, it appeared something nonsense at first. But with time, when I started experiencing a high level of customer service and competitive pricing for my venture I was at the seventh sky. With a wide selection of financing options, the black onyx lending team became the most important asset for my business, and for this, I will be always grateful. read more

It all started 3 years back when I planned to start a new business. Like every other professional, I also invested money but somehow the strategy failed and I was in debt. May be god helps those who help themselves, unfortunately, nothing was working out in my case neither I had any godfather in business. Eventually, I started making regrets over my decision of doing business. Then one day a friend of mine told me about the black onyx lending team. Yes, I was shattered, but from the inside I still had the fire to get started again. So without wasting much time I visited them and thank their team for understanding the overall situation and providing complete support. This all helped me to bring things back to stability. Such a wonderful team they are when it comes to handling business issues or providing solutions. read more