Steven O. Ruiz Email & Phone Number

239Loans.com provides access to capital nationwide, via lending and funding partners. We have a local focus on the Southwest Florida market (Lee County, Collier County, Charlotte County) which is where we are based out of in Lehigh Acres (a small town next to the city of Fort Myers).We provide business owners with:- Quick access to short-term capital - Access to traditional lending (SBA, commercial, lines of credit)- Equipment Loans and Financing- Business Credit Lines- Business Acquisition Funding

I SOLVE THE FOLLOWING GENERAL PROBLEM: "I need capital/money/cash for the business... where do I get it???" SOLUTIONS I OFFER: Hard Money. Term Loans (up to 5 years). SBA Loans (up to 10 years). Rates below 1% (and factors as high as 1.5). Unsecured (no collateral needed). Secured (investment rentals or commercial). Cash advance. Credit card split. Fixed ACH. No Personal guaranty cash advance. Monthly, Bi-Monthly, Weekly, Daily payment options. Please call or text me direct to: 786-712-4900

Miami, Fl, Us

My role(s) at One Park Financial was most simply put: to work for the small to medium business owner who needs to secure working capital. I leveraged both in house (and outside) lenders to make sure that the best offers were presented to the business owner. I worked directly with the owners in: - Establishing and maintaining lender relationships - Negotiating better terms for the merchant.- Pipeline Management (making sure deals for the company are moving) - Identifying solutions to merchants with "funding issues". - Closing files over $50k I consistently remained the top closer at that firm, month after month - while managing a team of 8 closers.

Assisted in the sale of the company portfolio. Promoted to new business venture.I hold the title of General Manager for McKenzie Management, d/b/a Apple Car Cash. McKenzie Management, LLC is a responsible Credit Services Organization in the great state of Texas. Under the name of Apple Car Cash, we help consumers get access to cash without the need of any inquiries on their credit, by using the title to their vehicle. I am involved in: - Finding new Lead Sources - Business Development- Sales Management- Escalated Customer Issues- Recovery Management (Repossessions, Auctions) - Working directly with the Owner.Everyday is an adventure, full of surprises and a satisfaction of helping people get the money they desperately need. www.applecarcash.com

- Review individual cases to qualify for the most appropriate debt settlement program that will help the consumer to get out of high interest cycles, with one payment and plan (for combined loans) over the course of 12 to 18 months. - Provide the highest ethical standards in regards to client and their private information. - Consistently ranked as Top 10 % (3 out of 40) performing Consultant in company's debt settlement goals.- Operate in 31 states. - Fully Licensed by the State of FL

US Consultant Inc serves US and International Companies to operate domestically within the United States, more specifically Miami/Doral Florida with a partner office in Sao Paulo, Brazil. I am available for consultative services in: - Incorporation of your business in the United States- Market Research of the United States and Brazil- International Logistics - Worldwide Procurement and Sourcing- Sales in the United States- Sales in Brazil- Training Program and Employee Development Plans

- Brand Development: I helped define the full spectrum of services/process that created the client life cycle, which was important in maximizing sales time. This improved satisfied clients which improved the image of a tarnished/soiled industry.- Strategic Consulting & Management in all facets of the business from service process, implementation of work flow, sales process, script of the sale, client complaints, escalated issues. - Sales Manager to a team of 5 sales persons in an office of 9 people. - Trained New Employees on Sales techniques, coached existing employees. - Processed payments, logged records/books.- Was in charge of office whenever the owner was not present. (70%+)

- Provided Strategic Consulting for Brazilian Companies that wanted to do business in the US and for American Companies that wanted to do business in Brazil. - Business meaning: Market Research, Sales Development, Business Planning and Implementation, Competitor Research.- Provided support for clients in sourcing and procuring industrial materials for export. - Provided Consultation on Logistics and Freight Forwarding.

Fort Lauderdale, Florida, Us

Any and all purchasing requirements. Created an eBay Sales department.