teef

this seem to be lost a lot on this board.

oh no doubt. the chargers mismanaged that game in the most amazing way. that being said, they still should have won with those turnovers, mismanagement or not. it just feels like the bills tried to lose that game more than the chargers did. that being said, it was a lousy game for both.

when you give up the ball 3 times late in a game and you still win by double digits, it's not a bad thing.

the sausage king of chicago?

it's amazing how some people don't want to give any credit to this. is this a finished product completely? i don't think so yet, but this team is in such a better place than it was before this staff took over. there such a feel with some posters that if buffalo isn't the best team in the nfl this second, it's a complete failure.

are you the heir to the gianelli sausage fortune?

You’re depressed as a fan because the bills aren’t elite yet? I get it, but you’re missing out on a lot of fun. Why let the possibility of losing ruin that for you? The playoffs are an entirely different season.

gene1973 is the only poster that reacted positively to your post. just consider that for a minute.

i lived in boston at the time, and almost got into a brawl with a roommate over that.

is there lots of monster energy drink involved kyle?

good call. i'm going to have my 2 and a half year old son start randomly breaking things so he can become a decent man one day.

you mean like some of the best teams in nfl history? don't we all... so, if we don't blow everyone out, certain posters won't be happy. do you know @Billsfan1972?

this is the stupidest ***** you've ever said on here, and that's saying something.

you realize you can work through anger without breaking *****...you know...in a healthy way?

gene...you and i need to talk.

but you do gene...you sure do.

how do you get through the day?

an the score could have been out of control if the turnovers didn't go down. no excusing the turnovers, but it could have been ugly. right now the bills biggest threat is themselves.

well...i guess it's great that there's a debate on whether a win is sufficient enough.

this is about right.

you can say this is much as you want, but it doesn't make it true. you're trying far too hard here.

showing current production will be the trick. good luck. let me know if you have any questions. my business knowledge is limited outside of what i do, but always let me know. thank you so much for bringing this up. an SBA may be very helpful in navigating this.

you'll likely end up filling out personal financial statements. they'll want to know income of you/spouse, debt remaining on home, cars, credit card, school loans, etc. they'll need to know money in accounts and 401k, as well as any other income, (from rentals an such). once you've filled out one, the rest are all pretty similar. i doubt they'll give you a loan with no collateral, but it can happen. other than my home and school loans, i've taken out 2 other large loans. the first was to buy my business, the second was to build a building. for the business, it had already existed, so we were able to show federal tax returns over 3 years for production. the bank only had to take a chance on me keeping up with that production. there was no collateral for that loan, but that was the 8.25% interest, and i had to stay with that bank for 3 years. fortunately for my profession, it's very easy to get a loan. rarely do we default. the second loan was a bit different. this was for my building, and typically they do want you to cover a portion of the loan/build. i don't remember the percentage, but i think it's in the 10-20% range. i bought the property cash, and then developed the plan for the building with the architects and engineers. i even had the builder picked out, so when i approached the banks, they were happy that work had been done, and allowed my to use that as my "down payment" portion of the loan. typically people will take loans out for the land and development. i'm curious to how they deal with a company that does not yet exist. i'm sure they'll want to see a plan with projections, (they even wanted assumed projections of my profits after i moved into the building). they may want to see some financial coverage from you since there's risk involved, and banks are going to cover themselves. the best thing you can do is have a good accountant as well. they can walk you through the troublesome steps. the loan for my building is covered by Live Oak. they've been great every step of the way, so it's worth giving them a look.

i thank god i like football more than jai alai.

so it sounds lie you just need a working capital loan? no brick and mortar involved. that may make it a bit easier. i think a lot will have to do with the product, if you've actually made a profit on it, and whether you have collateral. my first major loan was a few years out of school, and i really had nothing other than a small home. i was given the loan, but at that time my interest was 8.25%. there may be rules to the loan such as you can only pay interest the first year, you can't prepay for a certain amount of time, and you can't transfer you loan for a period of time. for that first loan, i paid it on time religiously for a couple of year, then sold it to another bank. the rate went to 4.25%, and saved me a ton of money. just be ready for them to undress you financially. they'll want to know where every penny in your life came from over the last few years. shop the loan out as well. you'd be surprised the ways that a loan can be structured. you'll find what's best for you. also, it depends on the size of the loan, but be ready to take out life insurance to secure. if you take part in certain recreational activities, you may want to back off for a while. they'll do a physical, and the screen is usually part of it. i'm not sure if this is what you were asking, but i'll try to answer any questions i can.