#asset based lending

[ennovance]

The private-credit craze is spreading to asset-based lending … the global economy’s biggest prize: the U.S. consumer

Banks are less willing to hold these assets, and a handful of funds will become big scale players to fill those gaps

https://www.wsj.com/finance/investing/private-equity-wants-your-credit-card-debt-and-car-loan-and-mortgage-49be8938?st=csl8xdn1flwaabs via @WSJ #banks #loan #car #mortgage #creditecard #autoloan #investments

[shinycolortragedy]

Boost Your Cash Flow: How Factoring Companies in Colorado Can Help

Struggling with slow-paying customers? Receivables factoring can provide immediate cash for your business without adding debt. Learn how partnering with a Colorado factoring company like State Financial can keep your business moving by covering essential costs and fueling growth.

Read more - https://statefinancial.com/receivables-factoring-companies-in-colorado/

[bullventurecapital]

Financing Real Estate Rental Loans California: What Is It?

Whether experienced or a first-time investor, getting the right kind of finance for an investment can spell a whole world of success. The tailor-made real estate investment loans for rental properties help offer the much-needed capital for the acquisition and management of such an asset; this provides numerous advantages that cater to the needs of real estate investors. The importance of financing real estate rental loans California is huge.

Investors can make the most of the type of financing available regarding real estate investments, which is customarily based on the acquisition and holding of rental property. There is an appreciation involving the particular demand in real estate investments, and the lending facilities are well suited for the investor. This can be performed by the provision of flexible loan terms, making it possible to pay interest only, among other things; these facilities are not available with traditional home mortgages.

Loan terms that work for the investor should, therefore, improve an investor's cash flow. Interest-only loans or loans with a longer amortization period could reduce the monthly payment obligation, making cash available for managing the property or even maintaining it, let alone other investment opportunities that could arise. More cash in-flows at this point mean increased chances or rather opportunity capitalization on maintaining and escalating rental property portfolios.

Look for loan specialists in investment lending within the real estate market. One will get a loan, ready to work for you in the rental property market. This approach could include both conventional bank options and private money sources in capturing low rates and favorable terms.

Prepare Solid Financials

They will put your financial stability and the history of your credit under scrutiny, as well as the rental income that this property may produce. Therefore, make sure that you are in sound financial shape with good credit scores, low debt-to-income ratios, and properly documented sources of income and assets. Having a really sound business plan for the property to be rented is also a favorable factor when applying for a loan.

Real estate investment loans in California become one of the most important avenues by which investors finance their rental property. They have financial solutions tailored according to the requirement, competitive interest rates, and the best utilization of the invested capital. Therefore, if this type of financing offers the best advantages and at the same time executes the best practice of obtaining financing, an investor is positioned to take advantage of the most rewarding investing opportunities in the California rental property marketplace.

[ennovance]

The private-credit craze is spreading to asset-based lending … the global economy’s biggest prize: the U.S. consumer

Banks are less willing to hold these assets, and a handful of funds will become big scale players to fill those gaps

https://www.wsj.com/finance/investing/private-equity-wants-your-credit-card-debt-and-car-loan-and-mortgage-49be8938?st=csl8xdn1flwaabs via @WSJ #banks #loan #car #mortgage #creditecard #autoloan #investments

[shinycolortragedy]

Asset-based lending (ABL) is a financing solution where a company uses its assets (such as inventory, accounts receivable, or equipment) as collateral to secure a loan. It’s like unlocking hidden value within your business. Read more- https://statefinancial.com/advantages-of-asset-based-lending-for-small-businesses-in-arizona/

[vivacapital28]

What Is Asset-based Lending

Even when you have a previous relationship with a specific lender, it’s price exploring the marketplace for various options. Asset-based lending is a flexible method to financing a business’s current operations and wishes for future progress. It could present extra favorable financing than conventional loans, likely with sooner processing times and extra competitive pricing and terms asset based loan. Even although a enterprise generates important belongings it might nonetheless expertise money shortages. It might grow so rapidly that the company’s money move just isn't aligned with conventional borrowing requirements. Or the enterprise could have already got a line of credit score from a financial institution but is unable to secure additional funds from them.

Traditional lending fashions would possibly require the owner to sell assets or put money equity into the business in some form to scale back leverage and debt. Another massive distinction is that asset-based lending groups are more snug with leverage. They aren't as leverage-focused as the standard cash flow structure whenever you get above three times the ratio of debt to EBITDA. Asset-based groups don’t focus on this leverage ratio as a end result of they are snug inside the property. ABL groups are collateral centered, not leverage centered.

For businesses susceptible to gaining or dropping capital in waves, factoring could lend stability. Unlike a loan, factoring is a cash advance by yourself cash. The views expressed in this material are the views of the authors and are subject to alter with out discover at any time based on market and other components. All information has been obtained from sources believed to be reliable, but accuracy is not guaranteed.

An example of asset-based loan usage was when the worldwide securitization market shrank to an all-time low after the collapse of funding financial institution Lehman Brothers Holdings Inc in 2008. Within Europe in 2008, over 710 billion euros value of bonds have been issued, backed largely by asset-based loans, similar to residence and auto loans. Asset-based lending commonly references the loan-to-value ratio. Asset-based finance is a loan made to a company that's secured with one of asset based lending the company's belongings, corresponding to gear, machinery, or stock. Asset-based lending is commonly used by small to mid-sized companies to find a way to cover short-term cash circulate calls for. Nothing on this website should be thought-about personalised monetary, funding, authorized, tax or different recommendation.

With the staff we have assembled, you are assured the best perspective into the world during which you do enterprise. Throughout our history, SMBC Group has been a responsible corporate citizen. As a monetary what is asset based lending institution, we’ve all the time understood the position we play in building and sustaining a safer and higher world. Our analysts, economists, and strategists create timely, in-depth analyses of firms, industries, markets and economies.

[cavenasset]

If you looking for the financial institution and you if you fell like truest which one because they cannot do something wrong in the paperwork so if you looking for someone who guide you so cavendish capital provide you the asset based finance & business finance lending & cavendish is institute who guide people about the services & help them borrow the money on assets

[usbridgeloans]

Introducing the “BREFI”, A New Loan Programme by GMG

Over the past 12 months, the most common funding problem is the lack of financing options at the early stages of a real estate project: land acquisition, initial development, real estate purchase before the renovation, equity cash out towards new development, etc.

GMG receives high-value financing requests in almost all major countries, and it’s been very clear that traditional banks are less willing to take on the risk of financing the early stages of a real estate development or project. There has never been a greater need for non-bank alternatives than now.

Many of our high-net-worth clients have relied on the ‘long relationship’ with their banks (Implicit Put option) to be their lender of last resort, and when they are not, there is a scramble for financing options in a short period of time, which we see now. A separate issue is that banks, in general, may require recapitalization from losses due to Covid-19 and are looking to preserve capital.

Bridge Lending (the B part of BREFI).

As many of you know, one of the advantages of bridge loans is that they allow the borrower to secure opportunities that you would otherwise miss. Another advantage is bridge loans allow for flexible payment terms depending on the loan agreements. You can choose to start paying off the loan before or after securing long-term financing.

Also, qualifying and getting approved for a bridge loan takes less time than a traditional loan, giving the borrower the convenience of quickly owning the asset and begin getting the project off the ground with the intention of replacing the bridge loan with a more permanent construction loan, as an example.

GMG BREFI (short for Bridge + Refi).

We created the BREFI to combine 2 types of mortgage origination effort into one single offering to help clients with their initial bridge and onto the next stage of funding, usually a construction or development loan.

For example, in some cases, the initial bridge loan is used to purchase the property or land and prepare it to be “Shovel-ready.” That is land or structure that has plans, zoning, and issued permits in place. Having these ready allows for construction to begin immediately after closing.

A major difference between these two is that new construction loans fund the construction of a new structure, whereas bridge loans allow investors to purchase land or property but typically do not fund any construction costs. A GMG BREFI combines them both into one service offering.

Investors who obtain a bridge loan will usually begin construction after they have refinanced out into their long-term loan.

Typical Bridge Loan

Used to purchase “shovel-ready” land or land with an existing structure for a quick flip

Used to pay off the existing loan by refinancing into another loan

Not normally used to fund construction

Typical Construction Loan

Used purchase “shovel-ready” land or land with an existing structure to tear down and rebuild

Used to pay off the loan upon selling the property

Always used to fund construction

Our team uses GMG BREFI by finding lenders that will take both portions of the funding stack, Bridge + Construction.

Some common uses of GMG BREFI

Purchasing a plot of land to build a new development

Investors looking to purchase a plot of “shovel-ready” land would normally use a construction loan which is not available in this market environment. A BREFI will allow you to acquire the desired land and finance the new development on the property.

Purchasing an existing property (IE en bloc in Singapore) to tear down and build a new one

For clients planning to tear down and rebuild a structure on a piece of land, a BREFI can be used as a financing option.

Financing required to purchase land and begin construction immediately

Property developers who have the required documentation to begin construction on a piece of land can use the BREFI, where typical construction loans are not available with traditional banks. The hardest part of any new construction is getting the needed permits; once this is done, our lenders can disperse the funds in “construction draws” to start building.

For more information about Home Loan In US, Visit the website.

[mostlysignssomeportents]

Everyday homeowners are human shields for Wall Street’s Internet of Shit slumlords

The American Dream, such as it is, used to be two dreams, one based on work and solidarity, the other on asset appreciation and disconnected individualism. We killed the first one.

As the New Deal gave way to the post-war social safety net, Americans discovered two paths to social mobility: they could join a union, and they could buy a home. Joining a union meant that your wages would rise with productivity, and that the democratic ideal that you were meant to approach once every two years at the ballot-box could follow you into the building you spent more waking hours in than any other: your jobsite.

Labor unions used their political power to win labor rights, so that even workers who weren't a union couldn't be arbitrarily fired, or maimed on the job with impunity, or harassed or abused. And while the labor movement was mired in the same racist legacy that every American institution brought forward out of genocide and slavery, where racialized people started unions of their own or demanded representation from the unions who nominally represented them, they thrived.

Then there were houses. On the one hand, owning your home insulated you from the petty tyranny of the landlord, the threat of eviction, rent hikes, indifferent or dangerous building maintenance, and all the other miseries that arise when you think of a building as your home and someone else thinks of it as an asset, and the board is tilted so that they win every argument.

But homeownership wasn't just sold as a way to get out from under scumbag landlords: it was primarily sold as a way to build intergenerational wealth. Your house wasn't just a place to live: it was an asset, and it appreciated.

And if the dividends of labor protection were unevenly distributed between white people and racial minorities, the dividends of home ownership were almost entirely hoarded by white families. Federal policies – redlining – combined with racist lending at the local level, meant that Black families and other racialized groups were stuck in tenancy, while white families build wealth thanks to federal subsidies:

https://web.archive.org/web/20170220005558/https://www.demos.org/sites/default/files/publications/Asset%20Value%20of%20Whiteness.pdf

Those were the two American dreams: a good job and your own home. We killed the first one, and the second one devoured us whole.

Without a strong labor movement, wages stagnated. Corporate power waxed, and with it, the power to pollute, to poison, to maim and to defraud. The labor movement wasn't strong enough to stop Reagan from killing free UC tuition when he was governor of California. It wasn't strong enough to hold back spiraling health care prices. It wasn't strong enough to block the business lobby from neutering antitrust and ushering in four decades of market concentration, market capture and corruption. Workers couldn't save their defined benefits pension and were railroaded into market-based 401(k)s, forcing them to play the stock casino against their bosses, ever the sucker at the poker table.

With stagnant wages and out of control medical, educational and end-of-life bills, homeownership – the thing you do as an individual, where your gain is someone else's loss – became the American secular religion. Your house wasn't just a place to sleep and keep your photo albums: if it appreciated enough, you might be able to liquidate it on your deathbed and pay off your eldercare, your healthcare, your kids' college debt, and leave enough left over for your kids' downpayments.

And so every American who had a home became the enemy of every American who didn't – including one another's children. Every home built threatened your own property values. The racist, batshit American school funding formula, which sees schools funded out of property taxes, meaning the richest kids get the best schools, turned out to be a great way to increase your property values.

Protections for tenants, meanwhile, threatened the entire American way of life – the American dream itself. Every protection a tenant got – protection from eviction or rent hikes, the legal right to a safe and well-maintained home – reduced the value of every home in town.

After all, the better a landlord has to treat their tenants, the less money a landlord can make from a rental property. The less money a landlord can make from a rental property, the less they'd bid on a house like yours if it went up for sale.

And since anyone planning to buy your house to live in it has to outbid a landlord who might want to rent it out, giving tenants any protection threatened everything – the one asset you owned, which was your plan a, b and c for paying off all that health, education, and assisted living debt:

https://pluralistic.net/2021/06/06/the-rents-too-damned-high/

Today, the house-as-asset scam is breathing its last. There are millions more people who need homes than there are homes available. Sure, homelessness is a fantastically complex problem, but you could address every aspect of it – addiction, mental illness, joblessness – and millions of people would still be homeless, because there aren't enough homes for them to live in:

https://headgum.com/factually-with-adam-conover/myths-about-homeless-people-with-dr-margot-kushel

70% of all inflation in 2024 came from the cost of housing; a quarter of that came from illegal collusive behavior by landlords to hike rents:

https://www.thebignewsletter.com/p/up-to-a-quarter-of-rental-inflation

Wall Street landlords have raised gigantic war-chests and are buying up homes at a rate never before seen, converting every available single-family home in many cities from an owner-occupied home to a rental. Private equity and hedge fund landlords have elevated charging junk fees to an absurdist theater project: you pay a "convenience" charge for paying your rent in cash. But also for paying your rent by direct transfer. Oh, and also for paying in cash. When Wall Street is your landlord, your home is a slum, dangerously undermaintained, sometimes lethally so:

https://pluralistic.net/2022/02/08/wall-street-landlords/#the-new-slumlords

Capitalists hate capitalism. The best thing to sell is something your customer can't live without, and that no one else has for sale. That's why "the market" loves private prisons so much:

https://pluralistic.net/2024/04/02/captive-customers/#guillotine-watch

The vast sums Wall Street is putting into buying up all of America's available housing stock is a bet that they can establish regional monopolies over having a home, and charge all the market can bear.

That's the plan at Invitation Homes, a company that was just targeted by the FTC for a slate of eye-watering crimes against the tenants in the 80,000 single-family homes they've acquired:

https://www.ftc.gov/news-events/news/press-releases/2024/09/ftc-takes-action-against-invitation-homes-deceiving-renters-charging-junk-fees-withholding-security

Invitation Homes purchases homes as they come on the market, and they're also a leading customer of the "build-to-rent" housing industry, a fast-growing segment of new housing starts.

Writing about the FTC's enforcement action against Invitation Homes, Matt Soller brings in Starwood Capital Group, who manage Invitation Homes properties, and own 14,000 more homes in the sunbelt. Invitation and Starwood hate the anti-monopoly movement, and Barry Sternlicht, Starwood's billionaire CEO, really hates FTC Chair Lina Khan:

https://www.thebignewsletter.com/p/monopoly-round-up-corporate-slumlords

The FTC complaint lays out a suite of just comically sleazy things ways that Invitation abuses its tenants, starting with false advertising. The company lists its houses at relatively low rents, then charges a large fee to apply to live there. When you pass the application process, you're told the rent is actually much higher, and if you walk away from the deal, you forfeit your application fee. That scam's netted Invitation $18m since 2019.

Stoller really hates junk fees, calling them "convenience fees without any convenience, service charges without any service performed." He lays out Invitation's long list of junk fees, which honestly sound like a list that Chatgpt would spit out if you prompted it for fifty junk fees that wouldn't pass the giggle-test: "utility management fees" "Lease Easy bundle fees," "air filter delivery fee," "smart home technology fees," etc etc.

"Smart home technology fee?" Yeah, Invitation's gone in hard for Internet of Shit smart home tech. The SVP who oversees Invitation's smart home fee program was ordered to "juice this hog" (you guys, juice doesn't come from hogs).

After decades of recruiting everyday American homeowners to demand anti-tenant policies that benefit giant corporations, American tenants have few rights on paper and even fewer in practice. That's left the door wide open for Invitation to abuse their tenants in a myriad of dismal and unimaginative ways: stealing their deposits, trashing their credit reports to retaliate against complaints, illegal evictions, busted appliances, mold, vermin, insects – the whole slumlord playbook.

As Stoller writes, there's a twist: "this landlord isn’t just a random slumlord, it’s one of the biggest Wall Street players in housing."

There are vast fortunes to be made in converting the human right to housing into an asset class, but those fortunes end up in the hands of a very small number of billionaires. On their own, they wouldn't have the political power to dismantle protections for tenants.

Realistically speaking, most kids who grew up in their parents' owner-occupied homes are going to end up tenants, thanks to undersupply and housing inflation. But those kids' parents have spent decades demanding policies to make their homes as valuable as possible – including mortgage tax breaks (but not rent tax breaks!), looser eviction laws, and less enforcement of what few protections tenants have.

Middle class homeowners are the useful idiots and human shields of the billionaires who are determined to force every American under 40 raise their kids in a rented slum full of spiders, ratshit and black mold, which will still cost 60% of their take-home salary.

That's why the FTC's action against Invitation Homes is such a big deal. And as Stoller points out, Chair Khan is really just implementing Kamala Harris's campaign promise to get Wall Street out of the landlord business.

Wall Street's raid on your bedroom and kitchen has inspired a generation of "finfluencer" copycats who buy and flip apartment buildings, sucking ever-larger amounts of cash out of them until they're unfit for human habitation, with mountains of rat-infested garbage ringing their crumbling walls:

https://pluralistic.net/2024/05/22/koteswar-jay-gajavelli/#if-you-ever-go-to-houston

Any future worth living in is going to get housing right. We need to stop thinking of housing as an asset and realize that it is, first and foremost, a human right. That's the premise of my 2023 solarpunk novel The Lost Cause, which just came out in paperback:

https://us.macmillan.com/books/9781250865946/thelostcause

You can't protect yourself from rising seas or rising healthcare bills through individual home-ownership. Solidarity – the kind of solidarity that once powered the union movement, and that is powering it again – is the only way to defeat the housing profiteers. The New Deal wasn't perfect, which is why whatever we do next has to be bigger, further reaching, and more inclusive than what FDR did almost a century ago.

The only minority that should be excluded from the next New Deal is billionaires.

Tor Books as just published two new, free LITTLE BROTHER stories: VIGILANT, about creepy surveillance in distance education; and SPILL, about oil pipelines and indigenous landback.

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/10/01/housing-is-a-human-right/#rentier-tech

Image: Sam Valadi (modified) https://www.flickr.com/photos/132084522@N05/17086570218/

Carlos Delgado (modified) https://commons.wikimedia.org/wiki/File:Wall_Street_-_New_York_Stock_Exchange.jpg

CC BY 2.0: https://creativecommons.org/licenses/by/2.0/

[shinycolortragedy]

Facing financial hurdles? Discover how accounts receivable factoring can be your lifeline, offering flexible funding options to overcome cash flow challenges and propel your business forward.

[asset-based-finance]

Asset-based loans are based on assets, generally accounts receivable and inventory, that are used as collateral. We’ll go into all the ins and outs of asset-based lending to help you determine whether this financing solution is a good fit for your small business.

[olekciy]

    A short reminder that Russia is imperialist, has been imperialist for a long time, and there's no way around that fact.

Sections of the Western left have developed a narrative according to which Russia has been gradually surrounded by NATO and that supposedly "provoked" Putin. It's increasingly difficult to sustain the notion that Russia is simply "defending itself" after 24 February 2022, but the thing is - the invasion did not come out of the blue. One needs a different narrative to understand what Russia actually is: an aggressive imperialist power alongside other imperialisms.

So, a different narrative:

- 1994: Russia, with US support, acquires Ukrainian nuclear arsenal in exchange for the assurances to respect Ukraine's territorial integrity

- 1997: Russia acquires the Sevastopol naval base and almost all of the ships (82%, to be exact)... in exchange for the assurances to respect Ukraine's territorial integrity!

- 2004: Russia meddles in Ukrainian presidential elections, fighting hard to force an undemocratic fraudulent outcome, but fails

- Mid-to-late 2000s: As punishment for Ukraine electing Yushchenko, Russia uses energy blackmail, a form of economic coercion not very different from the IMF and World Bank lending and conditionality

- 2008: NATO refuses to adopt a roadmap towards Ukraine's membership and in effect postpones the decision indefinitely. Ukraine's security is in no way guaranteed, while Russia has already demonstrated the propensity to use coercion to force Ukraine to do its bidding

- 2009: Dmitry Medvedev, then president, writes to Yushchenko that "Russia does not pose and cannot pose any kind of threat to Ukraine", so seeking NATO membership is stupid. Yea, sure

- 2014: Russia, which "does not pose and cannot pose a threat to Ukraine"... annexes Crimea. Really, Dima?? I thought you were for real??

Of course, by annexing Crimea Russia not only makes all the previous statements that it "can never pose a threat to Ukraine" a ridiculous lie, but also breaks the 1994 memorandum and 1997 treaty. "We are the Kremlin. Our word is worth nothing"

- Crimea's annexation provokes armed separatism in Donbas that Russia supports and coordinates, including direct military command and control, and then completely subordinates Donbas "authorities", in effect occupying the region

- Ukraine's still not in NATO, its security is still in no way guaranteed, and the supplies of US weapons only begin in 2018. They are kept to a minimum... out of fear of provoking Russia!

- Nevertheless, on 24 February 2022 Russia launches a full-scale invasion to establish 100% control over all of Ukraine in one way or another. There is literally no military development on the ground that could have provoked the invasion. On Russia's part, it's a war of choice in exactly the same way the invasion of Iraq was a war of choice for the US in 2003.

Now, this is only the general outline. One should add Russia's drowning of Ukraine with spies and agents of influence, money to corrupt Ukrainian politicians and massive acquisition of Ukrainian assets to impose economic and political dependency.

These are well-known facts, but so many on the left refuse to see the story behind them. It's a story of decades of imperialist aggression, culminating in a war that cost 150,000 lives in 2022 alone. Any discussion of left-wing internationalism should begin with recognizing the reality of what Russia is and what it did.

[roukabi]

Back when the Nature Ancient was teased I was really hoping for lemur dragons. These creatures don't look like lemurs, nor do they look like dragons, but I like them. I call them Traipsers.

Design notes/trivia/what-have-yous under the cut:

The lore behind these dragons (though 'dragon' is really stretching it) is that they're compassionate, social creatures who live in troops upwards of 50 individuals. Led by three or four of the wisest troop members, Traipsers are known to lead lost travelers through the Viridian Labyrinth, or even house them temporarily within their canopy cities. In the rarest cases, a troop will gladly adopt rescued dragons and Beastclan into their ranks.

Though their gentle temperaments were widely respected by other rainforest denizens, the introduction of the fiercely combative Wildclaws drove Traipsers into hiding, up the tallest tree boughs of the Behemoth where their less dexterous cousins could not reach. For years and years they stayed out of sight, until strange shifts in the magical ley lines started to disrupt draconic way of life - including for Wildclaws. The Traipsers, despite their history, could not sit by and watch their neighbors suffer, so once again they emerged, ready to lend a helping hand.

Traipsers resemble a cross between tree frogs and lemurs. The long nail on the dragon's index finger is used in scratching, foraging and climbing. A large throat sac can inflate to make riveting ribbiting sounds. But Traipsers' most notable trait is their large head fans, which show off a wide array of colors for courtship and expressive purposes. Despite the dark bases of these fans looking like horns, they are actually mostly muscle, and house the ear canal underneath, similar to an elephant. The fans are attached at the back of the neck, and can move up, down, and side-to-side. The tails are too thin to be prehensile, but they can signal to other members of a troop like a flag.

Many of a Traipser's traits are used less for combat and more for communication, as they have not had natural enemies for most of their existence. In addition, Traipser culture values airtight troop relationships, agreeableness, and personal style. Rude, argumentative, or just plain headstrong Traipsers risk banishment from a troop. Loneliness is the worst kind of torture for a Traipser; without anyone to lend support, a loner tends to withdraw and shut down to the point of neglecting their own needs. It's usually after rescue by another troop that the loner 'learns their lesson' and becomes more agreeable. The generosity of a functioning Traipser society starkly contrasts the suffering of its more hotheaded individuals.

On the subject of style, it's not uncommon for Traipsers to decorate their fans with fruit dyes, leaves, stones, and whatever else catches their eyes. Paintings of family or friendship history are a very fashionable choice. Lairs function similarly, only more permanent and with large hanging nests for troops to cuddle in. The care of hatchlings is a group effort, where the parents will gather their closest friends and family to take turns watching over the young and teaching them about the world. Exposure to a friend group's diverse range of worldviews at a young age helps in forming strong Traipser minds.

Traipsers are not used to fighting, and will typically flee to their troop if confronted. If a troop should face danger, a handful of members will attack the opponent with rapid-fire, dizzying kicks and tail smacks, while the rest guard the weak. Lone Traipsers do not have the luxury of teamwork, and will resort to biting and scratching with their long canines and nails. A particularly desperate Traipser will grapple their opponent and attempt to dislocate or break bones, including the jaw.

Some image assets:

And there you have it! Fanmade dragons. This was a lot to do, I'm not sure if I'll add any more genes/assets. Nothing's set in stone, though! I like making fake things look real.

Traipsers are free-to-use with credit, and you can give them whatever genes or colors you want.

[thesiltverses]

Hi! So, in the most recent episode, Brand says at about the 40:15 mark that “the superstructure swallowed up the base,” and this has left me with a question. Was this a reference to the Marxist idea of the base and superstructure? If so, referring directly to Marx like this is so cool! I’ve always enjoyed the anti-capitalism of The Silt Verses, and I love how that’s really come to the forefront this season (not that it was all that hidden before) and how well the show lends itself to Marxist analysis. Thanks for making such a complex, interesting, and anti-capitalist show!

Hi and thank you so much!

Yeah, it definitely is, although I think I'm stealing Marx' terminology for our own ends rather than meaningfully engaging with it - the whole ep is in many ways a series of digs at UK politics right now, and the sense of both nations as a place that will willingly undermine its own actual assets and prospects in order to preserve the idea of itself and the ideological apparatus that's grown around it is something I was trying to get across there.

[styleslouis]

phil is a leader. he delegates wonderfully, he keeps the morale up, he makes sure they all know that the most important part is they are all having fun. he's diplomatic, he listens to them all, but he also stands up for his team. he gets the job done, but he also keeps them grounded.

cellbit as a second in command is strategic. he's single minded, he is competitive and ruthless, he's great at doing the maths and creating realistic plans that can make them win because of the percentages. he's good at understanding the rules of the game and being one step ahead. he knows how to adapt, but he won't feel remorse about playing to win.

foolish is a builder. he knows how to observe from afar and how to think outside of the box. one of his best assets is playing with luck. he found the fastest horse, he finds 90 diamonds in one single trip, he found the wrecked ship 10 minutes before the time was up by accident. he's adaptable and chaotic and is up to anything they propose.

baghera is the glue that tie them all together. she's a constant presence, she will die to the most random mobs and spend two hours trying to get back to base, but she'll also spend double of that time preparing resources to tasks for everyone else. she's smart and funny and kind but she'll also be the first one to cheer you up when you want to murder or burn things.

charlie is the roleplayer. he's a wildcard. he'll do the tasks and he'll kill people and he'll spend hours mining, but he'll also kidnap an npc just for fun, he'll get emotionally attached to a whale and he'll pole dance to The married man on his team. he'll prioritize having fun and being a breath of fresh air for his teammates.

jaiden is incredible at manipulating and working with the cards she's been given. she'll lend the rope to the rival team just to see how far they'll go. she'll play innocent and the victim and end up running away from two kidnappers while getting away with a goblin that will benefit her own people. she knows how to play two different sides and, in the end, finish with a win for her own, third side.

carre is isolated from the team for most of the time, be it bc of language barrier or bc he doesn't know them that well yet, but he knows how to best spend his time. he will mine as much as he can, he'll listen, he's one of the best at fighting. if needed, you can call and he's ready to come running.

etoiles and roier, having arrived later, blended so well with the team. they're both teamplayers first and foremost. they can and will kill people on sight, but they'll also listen to what the others think about it first. they'll follow the rules and they'll have fun and they'll grind and they're more than capable and they'll give their all to make people happy. they'll make all of their efforts be worth it.

ironmouse and maxo, also arriving later, have all the right vibes for the team. she'll throw herself into the fire and she'll play death matches with baghera and she'll wear the gas mask even before she was choosen to be with them. he'll die to ten different mobs and get killed by his ex and he'll refuse to drink the medicine for rp purposes and he'll bring a giant bomb to the island. they belong.

[bullventurecapital]

The 3 different types of Investment property financing

Real estate investment constitutes one of the most promising and popular types of investment in the contemporary world for those who are ready to buy a rental property or start a new construction – yet, it is one of the most challenging to receive financing for – especially if you do not have a significant amount of money to invest or do not want to risk your own property as collateral. It is here that you can turn to other forms of funding such as an asset-based lending and bridge financing for the cash boost.

At Bull venture Capital, we deal with such non-traditional business financing options, of which include; acquisitions of investment properties or commercial property for renovation, new construction ventures among others. OP: Unlike the traditional bank loans which involve underwriting using personal credit, income and existing assets, our asset based loans focus majorly on the prospects and expected value of the real estate you intend to purchase and develop.

Investment property financing

Investment property financing allows capital acquisition to those who cannot meet requirements of other financing options. It also helps safeguard your own assets from being locked up as security for a new loan. Specific loan programs we offer include:

- Bridge Loans – Working capital financing for acquisition before takeout financing are obtained

- Rehab Loans – Utilize to fund property rehabilitation and enhancement.

- New Construction Loans – Finance ground up development transactions

It is with this spirit that at Bull venture Capital we boast in offering innovative finance solutions no matter the real estate transaction. And we know speed and certainty are the essence when looking for new exciting property deals or construction projects. The funding through our asset based lending programs can take about 1-2weeks to be processed.

Whether you require funding to grow your rental portfolio or for a new development opportunity, please get in touch with us to learn how we can structure a commercial loan that is responsive to your needs and objectives.